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Product Range

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Specifically Designed for the Intermediated Market

Household Product Range

S&P have four current product offerings as attractive solutions our intermediaries can offer their clients. These comprise of three residential household buildings and contents products, a landlords buildings and contents product as well as Legal Expenses and Home Assistance cover as add-ons for each of the above.

The nature of our product range mirrors that of the lifestyle of our audiences. We offer a market entry product in Essentials, in Median a product fulfilling the mass market and Ultima which caters for customers who require a more comprehensive level of protection for their home and its contents. Our Lettings product facilitates landlords building and contents requirements.

Multi-Insurer proposition; Elements

Our Elements proposition provides our partners with choice under a common policy wording via a simple, system-driven solution.

The multi-insurer approach of Elements ensures wider quotability and increased competitiveness to the customer. This has been proven within our intermediary channel where the increased quote and conversion rates have helped S&P to grow our new business volumes year on year and increase the number of brokers and networks we work with since launching Elements by 120%.

Product Suite

Median –A bedroom-rated policy that offers £55,000 contents sum insured and a buildings sum insured up to £500,000 on a notional basis.

Essentials – Buildings and contents insurance designed for home owners looking for good, basic home insurance cover at an affordable premium.

Ultima – Aimed at consumers who require a more comprehensive level of protection for their home and its contents. Typically for properties with more than 4 bedrooms, Ultima includes accidental damage cover for buildings and contents, personal belongings and worldwide cover as standard along with a range of other cover options.

Lettings – A policy focused on the landlord market, designed to offer comprehensive cover for people letting out properties. Primarily a buildings policy with cover up to £250,000, it also provides a unique and invaluable element of contents cover for the owner’s fixtures and fittings

Added Value Products

Home Assistance Plus cover offers 24-hour Emergency Assistance for homeowners that gives peace of mind should the customer experience problems for example with their roof, plumbing, power, heating and security systems.

The product will cover costs up to £500 for a call out charge and up to 2 hours labour costs along with parts and materials subject to a maximum of £100.

Family Plus Legal Protection – Great value legal expenses cover for disputes including; employment, contract, tax and property. It also provides cover for ID Theft, income protection for Jury Service and free helplines for Legal, Tax and Medical Advice.

Landlords Home Assistance – Designed specifically for Landlords who want to benefit from 24 hour emergency assistance.

Property Let Legal Protection – Ideal for Landlords looking to protect themselves against disputes with tenants, including evictions and prosecutions.