Making insurance easy, keeping premiums down and paying claims fast.
Smart Loyalty has selected initio as its insurance partner for House, Contents and Car insurance. They have speciality Landlord and Holiday Home products that are also worth taking a look at. Initio consistently outperforms other house insurers on price, coverage and claims responsiveness.
As a member in one of Smart Loyalty’s reward programmes you receive:
Rebuild or repair your house and other structures up to your replacement value.
Replace or repair lost or damaged belongings on a new-for-old basis.
Cover legal costs if an accident injures someone, or causes damage to other's property.
You pick the value within a range we provide, and that's the value - no argument.
Don't pay an excess for damage to windscreens, windows or driving lights.
Your vehicle is covered for both personal and some business use - like inspecting and maintaining your rental properties.
Its the most common question we get, so we've built this guide to help you compare.