Updated on 6th May 2026

In 2025 our Find Insurance Service received around 430,000 enquiries from consumers and businesses looking for insurance. Customers who have nonstandard insurance requirements often believe that they cannot get cover, because standard providers or policies do not meet their needs. However, cover is available from brokers, and below you can read about how our specialist insurance brokers have helped customers to find a wide range of insurance to help provide the protection that they need.

Estimated reading time: 2 minutes

Disclaimer: The following case studies involve real-life individuals. To protect their privacy, certain details have been altered or omitted. All individuals were contacted after providing feedback.

Ad Campaign

Ben The Broker

Through our Find Insurance Service we can connect you with brokers who take the time to understand your business and find insurance that truly fits. It’s quick and easy.

And Ben? He’s not a real person, but he is the relatable, human face representing friendly, knowledgeable BIBA insurance brokers who are focused on getting you the right cover for your business and budget

FAQ’s
What types of insurance can BIBA help me find?

FIS can help you find almost any type of insurance, including:
Travel insurance (including with medical conditions), Flood insurance for high‑risk properties, Motor insurance (young drivers, older drivers, imported vehicles), Business & liability cover, Home and unoccupied property insurance, Protection / life insurance, Armed Forces‑specific cover…

Do you offer travel insurance for people with medical conditions?

Yes, BIBA has an FCA‑recognised Travel Medical Directory specifically for customers with serious medical conditions. Travel: Medical Conditions Brokers – BIBA

Can BIBA help with flood insurance?

Yes, the Flood Insurance Directory helps homeowners in flood‑prone areas find specialist insurers who can provide appropriate cover. Buildings/Contents: Flood Zone Brokers – BIBA

Do you support insurance for Armed Forces members and families?

Yes, BIBA maintains an Armed Forces Directory offering flexible solutions for service personnel and veterans. Armed Forces Cover Providers – BIBA

What is the difference between a broker and an insurer?

A broker searches the market for you and provides advice; an insurer sells a single brand of insurance. BIBA brokers are regulated, experienced, and able to handle non‑standard risks.

What if I’ve already been declined by another insurer?

You may still be able to get cover. Many people contact FIS after being refused elsewhere; brokers often arrange solutions when standard insurers cannot.

Do you have real examples of customers you’ve helped?

Yes, BIBA has resolved over 3.3 million enquiries and helped customers such as:
Flood‑risk homeowners, Travellers with complex medical conditions, Older drivers, People needing niche business insurance…

What is BIBA’s Find Insurance Service (FIS)?

A free, impartial service that signposts people and businesses to specialist brokers when they can’t find cover in the standard market.

Become a BIBA member

Membership that gives you more. We support, protect, represent and promote brokers. Our experienced and dedicated team are here to help you!

Find out more
We are temporarily unable to take AMEX payments on our website, please email [email protected] if you wish to raise any concerns.

Sorry for any inconvenience caused.

We are sorry but our website is experiencing some technical issues, and we are working to resolve these as quickly as possible. This is connected to the national outage of the Cloud Flare service which is impacting many other websites.

If you have an urgent enquiry, please use the following contacts

For BIBA members - 0344 7700 266

For our Find Insurance Service – 0370 950 1790

For press enquiries please email – [email protected]