Thompson & Richardson have a dedicated Personal Insurance Lines team, providing advice and solutions on a wide range of insurance products particularly suited to the needs of individuals. As a leading independent insurance intermediary in Lincolnshire we take the time to understand the needs of each customer and match them to a range of suitable products, most of which are not available direct from insurance companies:
Private Car Insurance
In addition to covering low-risk drivers Thompson & Richardson's approved panel of insurers can cover high-value vehicles, drivers with multiple motoring convictions, ex-company car drivers and commercial vehicles used only for pleasure purposes.
If an accident results in a car being written-off a Motor policy will only pay the value of the car at the time. This can leave a considerable amount to be found so that a replacement car can be purchased. Guaranteed Asset Protection Insurance, or GAP Insurance, is a useful extra cover when buying a car as it pays the difference between the insurance settlement and the cost of your replacement car up to a pre-determined amount. Thompson and Richardson specialise in GAP Insurance.
Vehicle Breakdown Insurance
Suitable for any car and small commercial vehicles Thompson & Richardson offer a RAC-backed breakdown policy. Thompson & Richardson cover Home Start, Roadside Assistance, Recovery, Onward Travel in the UK and across Europe.
Whether a one-bedroom flat in Lincoln, a country estate in rural Lincolnshire or anywhere in between, we will tailor a suitable policy to meet your requirements. As well as Buildings and Contents, Thompson & Richardson can include cover for children at college or university, family heirlooms and jewellery. Some policies can include insuring second homes in the UK or abroad, Fine Art and antiques insurance, Legal Expenses and Identity Fraud insurance.
Personal Accident Insurance
For self-employed people an injury or illness can mean an immediate loss of earnings. Thompson & Richardson can arrange Personal Accident insurance, with optional sickness cover, to provide a temporary replacement for loss of earnings through an accident or illness. Thompson & Richardson policies usually operate twenty-four hours a day so even accidents not at work are covered.
Mobile home ownership is a popular way to holiday in the UK and in Europe. Thompson & Richardson offer touring and static caravan insurance cover and contents insurance for loss or damage.
From a short break to a gap year travelling around the World or even one policy for several trips in a year, we can arrange a comprehensive range of cover to include costly medical expenses, loss of the holiday due to cancellation, baggage and money insurance and even provide protection against natural disasters such as volcanic ash clouds. Other insurers completely exclude pre-existing medical conditions but Thompson & Richardson’s panel of insurers can underwrite most medical histories to give travellers extra peace of mind when away from home.
Classic Car Insurance
Classic car owners need extra protection not available from a standard private car policy. Cover from our panel recognises the care given to a cherished piece of motoring history by agreeing its value at the beginning of each year. With a range of limited annual mileages available and discounts for vintage cars, the Thompson & Richardson Classic Car policy can even insure the value of the car's number plate.
Our motorcycle insurance products cover everything from a scooter to a large touring bike and trailer. Thompson & Richardson policies can also cover classic motorcycles for an agreed value.
Owning a dog or a cat can be expensive, especially if an accident occurs which needs attention from a vet. Thompson & Richardson Pet Insurance product offers a wide range of cover including veterinary fees, advertising and reward costs for lost pets, third party liability for dogs and a payment if the worst occurs and the dog or cat is stolen, or dies following an accident.