About

Your local, independent insurance brokers

Established in 1997 Impact Insurance is a traditional Insurance Brokers, completely independently owned.

Over the years we have developed relationships with our insurance partners to enable us to offer our customers an insurance policy at the right price.

Impact Insurance is not a Call Centre or a faceless web site only Company, we have experienced people to deal with your enquiries.

1997

Established

6

Experienced Brokers

5-star

Reviews

Why choose Impact Insurance

We understand that all customers’ needs are different, by speaking directly with a member of our team we can establish your exact requirements and ensure your policy is correctly priced.

Insurance is a highly competitive business with many companies fighting for your business. We believe the best way to purchase your Insurance is through a Broker who you can talk to. We can arrange almost any type of insurance to suit your budget.

5/5
“Very good service all round, David was always there explaining everything step by step, and was very helpful, would highly recommend and will certainly be using them in the future.”
Karen, via Google Reviews
5/5
“Best insurance company I have ever delt with. Had me covered within the hour. Friendly staff, knew their stuff. Pleasure to deal with and will definitely be recommending them.”
Millie, via Google Reviews
5/5
“Professional friendly team who will go to the ends of the earth to help the customer. Sam & Connor helped me no end in finding the right policy for my business, even when faced with numerous hurdles. Always on the end of the phone without delay, even answered my queries on their socials out of hours! “
Harry, via Google Reviews
5/5
“When I passed my driving test Impact was the first place I ever went for my car insurance. That was over 5/6 Years ago and since then they have been amazing. The company have this really good atmosphere which is really welcoming. Can’t recommend the place enough 😊🚗”
Kate, via Google Reviews
5/5
“Excellent service by Sam and Mark at impact. Would definitely recommend very approachable and easy to deal with. After having trouble with previous insurance Sam was an absolute star and managed to get a good quote. Easiest company to deal with.”
Craig, via Google Reviews

Need a quote?

You can get a quote online. If filling in forms isn’t your thing, you can call or come down and visit us instead.

Duty of Disclosure

Where the main use of the contract is private.

Your duty to give information

When applying for or amending your insurance policy, we and / or your insurer will ask a number of questions to assess the risk prior to agreeing cover. It is your duty to ensure that you answer all questions raised by insurers or us honestly and reasonably. These questions are designed to enable us or the insurer to obtain a comprehensive picture of the nature of the risk to be insured, and only by asking such questions and receiving answers which are given honestly and with reasonable care, can we or the insurer be in a position to offer terms which are designed to meet your demands and needs.

The reason why this is vital and extremely important is that if you fail to tell us or the insurer something when asked, or, if you answer carelessly or act deliberately or recklessly in making misrepresentations when answering questions, your policy may leave you with no insurance protection; insurers may not pay a part or all of your claim and may cancel your policy. You may find it difficult to re-arrange cover because you did not tell an insurer everything when asked, and you will have to disclose this fact when you reapply for insurance.

FAILURE TO ANSWER QUESTIONS HONESTLY AND REASONABLY, WHEN ASKED, MAY LEAVE YOU WITH NO COVER AND A CLAIM NOT PAID

Duty of Disclosure

Where the main use of the contract is commercial.

It is your duty to ensure that you provide a fair presentation of the risk to underwriters; the objective of a fair presentation is to give us all the information underwriters might need to quote the premium and decide what terms to apply.

You have a duty to disclose every material circumstance that you know or ought to know after a reasonable search. This applies before the cover is placed, when renewed and if altered at any time during the policy period. A circumstance is material if it would influence the underwriters decision whether to accept the risk, including terms and pricing.

If there is any doubt whether a circumstance is material to this risk, it should be disclosed as failure to disclose may entitle insurers to refuse to pay a claim or apply additional terms or reduce the claim payment.

The point of a fair presentation is that it is far better to declare everything at the time of a quotation than to let the insurer find things out at the time of a claim.

FAILURE TO DISCLOSE THESE FACTS MAY LEAVE YOU WITH NO COVER AND A CLAIM NOT PAID.