Estimated reading time: 3 minutes
A retired GP living just outside St Andrews had spent many years working from a purpose-built surgery attached to his home. After retiring, he decided to let the consulting room to another GP.
However, his current insurer advised they could no longer provide cover due to ‘new information’ about the property. With renewal due the next day, the situation could easily have become stressful. Fortunately, the insurer helped by giving him the contact number for BIBA’s Find Insurance Service – a simple step that made all the difference.
The retired GP reflected: “If I hadn’t got that number, what would I have been doing? I’d have been Googling… trying to find where to go next.”
Calling BIBA immediately eased the pressure. A knowledgeable and empathetic adviser assessed his needs and referred him to Howden Insurance. Howden quickly arranged a new policy covering his home, contents, and the attached surgery. The transition was smooth, and his premium dropped from around £1,500 to £900.
“I fell off my chair when they told me the price. I thought it must be per month, but no – it was for the year.” The process also prompted him to complete a full household inventory for the first time, giving both him and his new insurer peace of mind that everything was properly covered.
What could have turned into weeks of stress was resolved in just a couple of hours. “BIBA proved incredibly helpful right away… it certainly saved me a lot of hassle,” he said.
He was impressed not only by the outcome but by how simple the journey was, concluding:
“It’s an amazing service, free of charge.”
This experience highlights the value of signposting. Instead of leaving him stranded, the insurer pointed him in the right direction, and BIBA’s Find Insurance team quickly connected him with the right specialist insurance broker.
FAQ’s
Yes. BIBA’s Find Insurance Service is built precisely for scenarios like this: when a standard insurer cannot continue cover, FIS matches customers with specialist brokers who can.
The Find Insurance Service is a free helpline and online tool that connects customers with specialist brokers. Whether someone is struggling to get cover due to medical history, flood risk, age, or niche business activities, the FIS helps them find a broker with the right expertise.
It’s quick, simple, and proven to work:
Customers call 0370 950 1790 or visit www.biba.org.uk/find-insurance
The team gathers key details about their insurance needs
They are then matched with a specialist broker who can help
In the past 12 months, BIBA has had over 429,000 enquiries across the whole of its Find Insurance Service, marking the highest number in a year to date. This includes over 9,500 enquiries for Flood Insurance and over 89,000 enquiries for Travel Insurance with medical conditions. By signposting, brokers ensure every customer has options.
