We Insure EXTRA - Insuring Beyond Insurance
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FAQs​

Your Insurance Questions, Clearly Answered.

Common Questions

Most Popular Questions

Can’t find what you’re looking for? Our team is always happy to help — get in touch directly or request a free quote today.

An insurance broker like We Insure Extra acts on your behalf — not on behalf of an insurer. We search across a wide panel of leading UK insurers and Lloyd's of London markets to find the most suitable policy for your needs and budget. Unlike going directly to an insurer, a broker gives you access to a far wider range of products, impartial advice, and expert support throughout the life of your policy.

Yes. We Insure Excess Limited, trading as We Insure Extra, is an appointed representative of EvolveU (UK) Limited, which is authorised and regulated by the Financial Conduct Authority (FCA). You can verify our details on the Financial Services Register at fca.org.uk/register under reference 607575. This means you benefit from full FCA consumer protections when dealing with us.

Getting a quote is simple. You can:

We aim to respond to all quote requests within one business day, and in many cases the same day.

We offer a comprehensive range of commercial and personal insurance products, including:

  • Fleet Cover & Commercial Vehicle Insurance
  • Commercial Combined & Combined Liability
  • Professional Indemnity & Directors and Officers
  • Cyber Insurance & Business Continuity Planning
  • Property Owners, Buildings & Contents
  • Motor Traders, Office & Retail Insurance
  • Group Private Medical & Early Termination Insurance
  • Goods in Transit, Contractors Combined & more

In the event of a claim, contact us as soon as possible — do not admit liability to any third party without speaking to us first. You can notify us by:

  • Calling our office on 0121 401 1313
  • Emailing info@weinsureextra.com with full details
  • Logging a claim through your insurer's 24-hour claims line (details on your policy schedule)

We will assign a dedicated claims handler to guide you through the entire process from start to settlement.

A claim may affect your premium at renewal, as insurers take your claims history into account when calculating your risk profile. However, the impact varies widely depending on the type and severity of the claim, your insurer, and your existing no-claims history. Our brokers will always shop the market at renewal to ensure you receive the most competitive premium available, regardless of any claims.
 
 
 
 
 
 
 
Yes. If your circumstances change during the policy year — such as taking on new staff, adding vehicles to your fleet, or moving premises — you should inform us as soon as possible so we can update your policy accordingly. Some mid-term adjustments may result in an additional premium, while others may lead to a refund. Failing to notify us of material changes could invalidate your cover.
 
 
 
 
 
 
Yes. We understand that managing business cash flow is important, which is why we offer flexible monthly payment options through approved premium finance providers. Monthly instalments are available on most commercial policies. Please note that premium finance is a credit arrangement and interest charges will apply. Full details will be provided at the point of quotation.
 
 
 
 
 
 
 
 
 
 
 
We will contact you well before your renewal date — typically 30 to 45 days in advance — with a renewal quotation. At this stage, we conduct a full market review to ensure your premium remains competitive. We will also review your cover to make sure it still meets your needs. You should never allow your policy to auto-renew without checking that the terms and price are still right for your business.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Yes, you have the right to cancel your policy. Within the first 14 days (the cooling-off period), you can cancel for any reason with a pro-rata refund, less a charge for the days covered. After 14 days, cancellation terms vary by insurer — some charge a short-period premium rather than providing a pro-rata refund, and an administration fee may apply. Please refer to your policy schedule or contact us for specific details.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Yes. If you employ one or more members of staff — including part-time, temporary, or contract workers — you are legally required under the Employers' Liability (Compulsory Insurance) Act 1969 to hold a minimum of £5 million employers' liability cover. Failure to do so can result in fines of up to £2,500 per day. Most commercial combined and business insurance policies include this cover as standard.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Professional indemnity (PI) insurance protects your business against claims made by clients for negligence, errors, or omissions in the professional advice or services you provide. It is essential for consultants, contractors, accountants, architects, IT professionals, solicitors, and many other service-based businesses. Some professional bodies and client contracts also require you to hold PI cover as a condition of working with them. Speak to our team to find out whether PI is right for your profession.
 

Cyber insurance protects your business from the financial impact of cyber attacks, data breaches, and digital threats. This includes the cost of:

  • Investigating and responding to a cyber incident
  • Notifying affected customers and regulators (as required by GDPR)
  • Recovering lost or corrupted data
  • Business interruption caused by a cyber event
  • Third-party liability claims from affected clients

In 2024, over 50% of UK businesses reported experiencing a cyber incident. Cyber cover is no longer optional — it is an essential part of any modern business insurance programme.

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