Independent European specialty underwriter
Where underwriting keeps pace.
Motor and consumer asset protection, across six markets, written and administered by a single house.
Six specialisations, written by a single house.
Motor, consumer assets, home protection, lifestyle, distribution partnerships, and bespoke capacity.
- I Motor & mobility All-risk, MTPL, GAP, MBI, ancillary, fleet, EV specialty.
- II Consumer electronics & appliances Extended warranty underwritten as insurance, not as a service plan.
- III Home & dwelling protection Home appliance breakdown, emergency, landlord, smart home.
- IV Lifestyle & personal assets Agreed-value cover on jewellery, watches, instruments, sports equipment.
- V Distribution partnerships Embedded, OEM white-label, affinity, retailer schemes.
- VI Bespoke capacity Quota-share, programme backing, structured reinsurance.
Structural detail.
The texture of underwriting is not a photograph of an office.
The lap after the stopwatch.
The lap after the stopwatch is the one that actually matters. That is the lap we are designed to underwrite.
We come with questions, not a deck.
Three desks. Three working days to an indicative programme structure.
Partnership
OEM, dealer network, retailer, affinity principal. First conversation is sixty minutes. We come with questions.
[email protected]Capacity
Syndicate, reinsurer, quota-share counterparty. Diligence pack and loss history on request.
[email protected]Claims
Existing partner operational matters. Three-working-day acknowledgement.
[email protected]
Insights.
All quarterly arguments-
Insights · Q3 2025
The bordereau as brand.
Why one schema across six domains is a distribution argument, not a reporting convenience.
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Insights · Q4 2025
Extended warranty is not a service plan. Why the two categories diverge under regulatory stress.
Warranty written as insurance carries capital, reserving, and solvency requirements that a service-plan structure does not.
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Insights · Q1 2026
Why the finance-linked GAP product does not fit a five-year product lifecycle.
Five years of post-regulatory recalibration have flattened the margin curve and shifted the product's useful life from five years to three.