Life, business and risk rarely stand still. The right insurance advice helps you move forward with greater confidence. Advanta Risk provides specialist insurance broking for individuals, families and businesses, helping you protect what matters through clear advice, carefully arranged cover and hands-on support when it is needed most.
As an independent general insurance broker, we work across a broad range of personal and commercial insurance needs, from high-value homes, vehicles, travel and private medical cover to business assets, liabilities, professional risks and claims handling.
Our role is to understand your circumstances, identify the risks that matter, and arrange cover that is appropriate, robust and built around you.
Because Advanta Risk sits within the wider Advanta Group, our advice can also connect with Advanta Wealth, Advanta Mortgages and protection planning where appropriate, giving you a more joined-up view of your financial life.
Protecting what matters most
Your home, possessions, vehicles and lifestyle deserve cover that reflects how you live, not a standard policy that only answers part of the need.
Advanta Risk helps you arrange personal insurance for your home, contents, valuables, cars, motorcycles, motorhomes, holiday homes, yachts, boats and other specialist assets.
We take time to understand your requirements, explain your options clearly, and help ensure your cover remains suitable as your circumstances change.
Clear cover for health, travel and time away
Travel and health insurance should give reassurance, not add complexity.
Advanta Risk helps clients arrange single-trip and annual travel cover, including options for more complex requirements such as pre-existing medical conditions. We can also support with private health insurance, helping you understand the cover available and how it may support access to treatment, care and medical services.
Whether you are arranging cover for a family holiday, regular travel or private medical needs, we’ll guide you through the options with clarity and care.
Insurance built around the realities of your business
Every business carries risk. The right insurance helps protect your people, property, operations and reputation when the unexpected happens.
Advanta Risk provides commercial insurance advice across a wide range of business needs, from familiar covers such as property, employers’ liability, public liability, professional indemnity and motor fleet to more specialist areas including management liability, cyber and crime, engineering, marine cargo, contractors’ all risks and environmental pollution.
We work with you to understand how your business operates, where your exposures sit, and what cover is appropriate, so your insurance programme is practical, considered and aligned to the risks you face.
On your side when it matters
A claim is often the moment when your insurance matters most. It is also when clear advice and experienced support can make the greatest difference.
Advanta Risk supports you through the claims process, helping you understand what is required, manage communication with insurers and challenge outcomes where appropriate. We support clients by ensuring insurers deal with claims fairly, swiftly and in your best interests.
Whether the claim relates to your home, possessions, business or operations, we help reduce complexity and keep the process moving, so you are not left to deal with it alone.
Insurance is built on detail, but trust is built through people.
The Advanta Risk team brings specialist knowledge across personal lines, commercial insurance and claims support, with named advisers who take time to understand your needs and provide continuity over time.
Advanta Risk exists to help clients protect the things they have worked hard to build.
Our approach starts with understanding: your circumstances, your risks, your existing arrangements and what you need your insurance to do. From there, we help you identify appropriate cover, explain the options clearly and support you throughout the life of the policy.
Where needed, we can also work alongside Advanta Wealth and Advanta Mortgages specialists, helping ensure your protection arrangements sit within a wider view of your personal or business finances.
The outcome is advice that feels practical, personal and joined up — with support in place not only when cover is arranged, but when it needs to respond.
Have a question about your insurance cover, responsibilities or claims process? These frequently asked questions are designed to help you understand the essentials before speaking with one of our brokers.
Your home is at risk if you do not keep up the repayments on your mortgage. Investments can go down as well as up; therefore, investment values do change and are not guaranteed. The content of this website does not constitute advice.
Commercial
The right insurance depends on the nature of your business, your sector, your people, your assets and the risks you face. Many businesses need some combination of property, liability, professional indemnity, cyber, motor fleet, management liability or specialist sector cover. We’ll help you review what is appropriate for your circumstances.
Your level of cover should reflect the true value of what is being protected and the potential cost of a claim. This may include property values, revenue exposure, legal liabilities, contract requirements and the cost of business interruption. We can help you assess this properly.
Some forms of business insurance may be legally required, depending on your circumstances. Employers’ liability, for example, is compulsory for many businesses with employees. Other covers may be required by contracts, landlords, lenders, regulators or professional bodies.
The type and level of insurance cover you may require will depend on the nature of your business, the activities you undertake and the risks involved. Different sectors can face different exposures, so insurance needs will vary between businesses such as hotels, contractors, professional services firms, retailers, landlords and fleet operators.
It can, if the right business interruption or related cover is in place. This type of insurance is designed to help protect income if your business cannot operate as normal following an insured event. The detail matters, so it is important to review sums insured, indemnity periods and policy wording carefully.
Personal Lines
You should tell your broker or insurer as soon as possible. Unoccupied properties can carry different risks, and insurers may apply specific conditions around security, inspections, heating, maintenance or cover restrictions.
Buildings insurance usually covers the structure of your property, including permanent fixtures. Contents insurance covers possessions within the home, such as furniture, electronics, clothing and valuables. Many clients need both.
Yes. Building works, renovations or structural changes can affect your insurance. You should let us know before work begins so we can check whether your existing cover remains suitable.
Not always. Driving other vehicles cover varies by policy and is often subject to strict conditions. You should check your certificate of motor insurance or speak to us before assuming you are covered.
Yes. You should disclose motoring convictions, penalty points or relevant driving history when arranging or renewing cover. Failure to do so could affect the validity of your insurance.
Requirements can change, so it is always best to check before travelling. We can help you understand what documentation may be needed for your destination and vehicle.
If you are an existing Advanta Risk client, contact your broker as soon as possible. We’ll explain what information is needed, help you understand the process and support you in communicating with the insurer.
