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On this page, you’ll find links to discover more about our various insurance products, as well as forms you can complete to send us your details so we can give you a quote. If you don’t like forms and prefer a personal touch, you can always contact us and we’d be happy to walk you through the process.

Commercial Insurance

Private Insurance

Car Insurance

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Home Insurance

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Some of our services are provided or quoted for by third parties, and clicking on the links may take you to third-party websites.

Third-party websites are not operated by Impact Insurance and may not follow the same security, privacy and accessibility standards as those of our pages. Impact Insurance acts an introducer to these services.

Travel Insurance

Important information:

Travel Insurance is provided by Just Travel Cover, a trading name of Just Insurance Agents Limited. Just Insurance Agents Limited is authorised and regulated by the Financial Conduct Authority under reference number 610022. Just Insurance Agents Limited is registered in England and Wales. Company Registration Number 05399196. Impact Insurance may receive a commission for introducing customers to Just Insurance Agents Limited. All policies purchased via the link above are contracts between yourself and Just Insurance Agents Limited. Impact Insurance cannot service these policies.

Temporary Car/Van Insurance

Important information:

Temporary Car/Van Insurance is provided by GoShorty™. GoShorty is authorised and regulated by the Financial Conduct Authority under reference number 751221. GoShorty is a registered trademark. GoShorty is a trading style of Complex to Clear Group Limited registered in England and Wales. Company Registration Number 05044963. Data Protection Registration ZA456686. © GoShorty 2023. Impact Insurance may receive a commission for introducing customers to GoShorty. All policies purchased via the link above are contracts between yourself and GoShorty. Impact Insurance cannot service these policies.

Don't see the kind of insurance you need?

Not to worry. We can offer a tailored insurance quote based on your specific requirements. You can call us on 01204 848481 or if you would rather meet in person, you can visit us.

For all your insurance needs.

Impact Insurance Services (Bolton) Limited are authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 304613.
Registered Address: 67 Chorley Old Road, Bolton BL1 3AJ. Registered in England with company no. 04939219.
Members of the Society of Insurance Broking.

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.

Commercial Insurance

Motor Trade

Commercial Vehicle

HGV and Haulage

Liabilities

Motor Fleet

Property

Specialist

Private Insurance

Car Insurance

Home Insurance

Travel Insurance

Temporary Car/Van Insurance

Don't see the kind of insurance you need?

Insurance Services

Company Information

Duty of Disclosure

Duty of Disclosure