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Personal insurance that fits your life, not a template
Most insurance websites ask you twenty questions and spit out a price. They don’t ask about the age of your roof. They don’t know that your second home sits empty five months a year. And they don’t care that your contents are worth more than average because you’ve spent years collecting things that matter to you.
We think you deserve better than that. Cotter Insurance works differently. You tell us what you need, and we connect you with the right specialist insurer for your situation. That means you’re not scrolling through a list of generic results. You’re matched with cover that actually fits, from insurers who understand your type of risk.
It’s a simpler way to find the right personal insurance. And it starts with a conversation, not a form.
What personal insurance do you need?
Home Insurance (Buildings and Contents)
Cover for your home, its structure, and everything inside it. We match you with insurers who account for your property type, its…
Holiday Home Insurance
Second homes and holiday properties need specialist cover. Your cottage might sit empty for months. You might let it through Airbnb. It…
High Value Home Insurance
If your property has higher rebuild costs, or you’ve got valuable contents like fine art, antiques, or jewellery, standard policies cap out…
Landlords Insurance (Residential Let)
Cover for properties you let to tenants. That means buildings, contents, liability, rent guarantee, and legal expenses. Tell us about your portfolio,…
Motor Insurance
Car, van, and motorbike insurance from specialist providers. We’ll find cover that reflects your driving history, your vehicle, and how you actually…
Travel Insurance
Single trip or annual multi-trip. Medical expenses, cancellation, baggage, and personal liability. We also connect you with insurers who cover pre-existing medical…
Caravan and Motorhome Insurance
Touring caravans, static caravans, motorhomes, and campervans. Covers accidental damage, theft, storm damage, public liability, and contents. Whether yours lives on a…
Boat and Marine Insurance
Hull, machinery, trailer, and marine liability for boats, yachts, and personal watercraft. If you’re on the water, you need cover from insurers…
Tell Us What You Need
Describe your situation, and we’ll match you with the right specialist insurer. It takes minutes, it’s free, and there’s no obligation.
Why use Cotter Insurance?
Generic insurance websites work on averages. They’re designed for average houses with average contents in average locations. But not everyone is average. And if your situation is even slightly unusual, those websites tend to fall short.
A thatched cottage in Suffolk has nothing in common with a new-build in Milton Keynes when it comes to insurance. A holiday home on the Welsh coast is a completely different proposition to a flat in Birmingham. And a boat moored in Devon needs a different cover than a car parked in a garage. Generic policies miss these differences. We don’t.
- Specialist connections. We match you with insurers who understand your specific risk, including specialist markets that most people wouldn’t find on their own.
- Cover that fits. We focus on what’s actually covered and what’s excluded, not just the headline price. The cheapest policy is rarely the best one.
- Clear information. We explain what each type of cover does, what it doesn’t do, and what you actually need. No jargon, no hard sell.
- Ongoing support. When something goes wrong, we’ll help point you in the right direction. You’re not left navigating a call centre on your own.
Do you have non-standard insurance needs?
Standard insurance websites handle standard risks well enough. Where they fall short is anything that doesn’t fit neatly into their forms. These are the areas where we add the most value, because we know which specialist insurers to connect you with.
Older and listed properties
Period homes, listed buildings, thatched roofs, stone construction, properties without a damp-proof course. These need specialist insurers who understand non-standard construction and can price rebuild costs accurately. We’ll match you with one.
High value contents
Art, antiques, jewellery, collectables, wine. Standard content limits cap out quickly. High-value policies provide adequate cover and often include agreed value, so there’s no argument about what something is worth at claim time.
Coastal and flood-risk properties
Some insurers refuse to quote. Others load premiums beyond reason. We work with specialist insurers who assess coastal and flood risk fairly and offer cover at realistic prices. Tell us about your property, and we’ll find the right one.
FAQs
You tell us what you need covered, and we connect you with the right specialist insurer. We don’t sell policies directly. Instead, we match your situation with insurers who understand your type of risk, so you get cover that actually fits. It’s free to use and there’s no obligation.
Yes. Flood-risk properties are insurable. Some national insurers won’t quote or will charge unreasonable premiums, but specialist insurers understand flood risk and price it fairly. We’ll connect you with one who does.
You do. A standard home policy assumes you live there full time. If it sits empty for more than 30 days, most policies restrict or void cover entirely. Your holiday home needs its own specialist policy, and we can match you with the right insurer for it.
You’ll need specialist insurance. Standard policies may exclude certain risks or underestimate rebuild costs. We connect you with insurers who specialise in non-standard construction, so you’ll get accurate cover that reflects your property.
No. It’s completely free to use. You tell us what you need, we connect you with the right insurer, and there’s no charge for the service. The insurer pays us a referral fee, so it costs you nothing.
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Contact Us
Describe your situation, and we’ll match you with the right specialist insurer. It takes minutes, it’s free, and there’s no obligation.
Phone
01736 753223