Share the Risk
Tell us who relies on the income, the building, the trip, or the business.
Home › Services
Our Services
The path
Four Steps Before Anyone Talks Premium
Get a Free Quote Brief
We send the facts an insurer will ask for, in an order that is easy to complete.
Compare the Promise
Limits, excess, exclusions, and waiting periods sit beside the price.
Keep Support
Renewals and life changes get the same checklist, not a fresh scramble.
Cover map
We Guide You Across the Policies People Actually Buy
Choose a theme. The notes below stay on this page so you can move between them without losing your place.
Why people stay
A Few Reasons Households Keep the Notes
Easy Process
One email thread. A short form. A written brief. You always know which step you are on, and what we still need from you.
01Clear Comparisons
We line up the parts that change a claim: the excess, the limit, the excluded cause, and the time you must wait.
02Steady Support
A new baby, a new van, a longer trip, or a second shop is a reason to reopen the brief, not to start from a blank page.
03Home Insurance, Explained Without the Brochure
Home insurance is usually two promises living in one document. Buildings cover pays toward repairing the structure after a listed event. Contents cover pays toward repairing or replacing the belongings inside. Liability wording may sit beside both, for injury to a guest or damage you cause to someone else's property.
The number people remember is the premium. The numbers that matter in a claim are the sum insured, the excess, and the list of events. A kitchen fire, a burst pipe, a theft, and a storm do not always sit in the same section. Some policies pay the cost to rebuild. Others pay a set amount. Underinsurance is common when the sum insured still reflects an old purchase price rather than today's repair cost.
Aurevia's home review separates the building, the contents, outbuildings, and any room you use for work. We ask about locks, unoccupied periods, and high-value items that need to be named. You leave with questions an insurer should answer before you accept a renewal.
What we look for
- Rebuild cost versus market price
- Single items above a contents limit
- Rooms used for paid work
- Empty-home time limits
Questions people skip
- Was flood or storm bought as an extra?
- Is accidental damage included or optional?
- How are matching sets of tiles or flooring treated?
- What proof of ownership will a claim ask for?
Life Insurance That Matches a Household's Time Horizon
Life insurance pays a sum if the insured person dies during the period the policy describes. Term cover runs for a set number of years, often lined up with a mortgage or the years children depend on earned income. Whole-of-life wording is designed to stay in force for life, usually at a different cost shape.
The useful question is not which product name sounds safer. It is who needs money, for how long, and for which bills. A payout can clear a loan, replace a salary for a few years, or fund care. It cannot do all of those things if the sum was chosen as a round number with no list behind it.
We also look at what the policy will not treat as a straightforward claim: non-disclosure of health history, excluded causes in the early months, and the difference between life cover and a policy that pays on diagnosis of a listed illness. Those are different contracts. Mixing the names up is how families discover a gap too late.
What we look for
- Who is financially affected
- Debts that should end with the payout
- Years of income to replace
- Existing cover through work
Questions people skip
- Term length versus the loan length
- Whether the sum falls over time
- Joint life or two single policies
- What must be disclosed about health
Health Insurance and the Waiting Periods Inside It
Health insurance helps pay for private treatment, or for costs a public system does not fully cover, depending on the contract. The schedule of benefits is the real policy. A headline that says hospital cover can still exclude outpatient scans, named therapies, or treatment the insurer classifies as pre-existing.
Waiting periods are the quiet part. Many contracts will not pay for a condition, a pregnancy, or a particular treatment until a set number of months have passed. Moratorium wording and full medical underwriting reach a similar goal by different routes. We translate whichever route the quote uses.
A review lists who would be covered, which hospitals or networks apply, the excess per year or per claim, and the annual maximum. We also note what happens if you already have cover and you are thinking of switching, because a gap between policies can restart a wait.
What we look for
- Inpatient, outpatient, and therapies
- Excess per person or per family
- Annual and lifetime maxima
- Network or hospital list
Questions people skip
- Pre-existing condition rules
- How long each wait lasts
- Cover while travelling
- What a switch does to waiting periods
Car Insurance Built Around How the Vehicle Is Used
Motor cover is shaped by the vehicle, the drivers, and the use. A policy for commuting is not the same contract as one for occasional weekend driving, and a van that carries tools is not a family hatchback. Third-party wording deals with damage and injury you cause to others. Comprehensive wording can also pay for damage to your own vehicle, usually with an excess.
The assumptions matter as much as the level of cover. Where the car is kept overnight, who else drives it, annual distance, and modifications all change the quote. A wrong assumption can become a reason an insurer later argues the contract was not fairly presented.
We line up the excess, courtesy-car wording, windscreen limits, and what happens if the car is used for paid deliveries even once. Business use is a frequent gap for people who think of the car as personal because it is also the school-run car.
What we look for
- Named drivers and their history
- Private, commuting, or business use
- Overnight storage
- Value and modifications
Questions people skip
- Voluntary versus compulsory excess
- Courtesy vehicle after a claim
- Driving other cars, if offered
- Telematics or mileage conditions
Travel Insurance Before the Tickets Feel Urgent
Travel insurance is a bundle: emergency medical costs, cancellation, delays, baggage, and personal liability, with very different limits in each section. The medical limit is the one that matters if you are far from home. Cancellation is the one that matters if the trip never starts. They should not be judged by a single 'premium travel' label.
Activities, existing health conditions, trip length, and the countries on the itinerary all change the contract. A policy bought for a city break may exclude a scuba day or a high-altitude trek. Annual multi-trip cover has a maximum days-per-trip rule that people notice only when a longer stay is already booked.
We ask you to list medical conditions before you rely on a quote, because non-disclosure is a common reason a medical claim is refused. We also check the excess on medical costs and whether the insurer expects you to call an assistance line before treatment.
What we look for
- Trip length and destinations
- Medical conditions to declare
- Activities on the itinerary
- Cancellation costs already paid
Questions people skip
- Medical limit and excess
- Single trip versus annual cover
- Delay thresholds before a benefit pays
- Baggage single-item limits
Business Insurance That Follows the Way You Trade
A small business rarely needs one policy. It needs a set: property for premises and equipment, liability for injury or damage, professional indemnity if you give advice, and business interruption if a listed event stops trade. Cyber wording and goods in transit appear when the work actually involves them.
The expensive mistake is insuring the shop you imagine rather than the shop you run. Stock values move with the season. Tools go to client sites. A cafe that started catering changed its risk the week the van went into service. The proposal form is part of the contract, so those facts need to be current.
Our business review produces a one-page map: what each section is for, the indemnity limit, the excess, and the exclusion most likely to surprise you. Owners use that map to request quotes that can be compared line by line.
What we look for
- Premises, stock, and portable tools
- Advice or design you are paid for
- Employers and contractors
- How long you could survive closed
Questions people skip
- Public versus professional liability
- Indemnity period for interruption
- Work away from the premises
- Unoccupied or seasonal closure rules
Fire and Property Damage, Read as Its Own Promise
Fire insurance, whether it stands alone or inside a home or commercial property policy, pays for damage caused by fire and often for smoke, fire-fighting water, and explosion if the wording says so. It is not a maintenance contract. Gradual deterioration, scorching from a normal heat source, or a fire you started deliberately will sit outside the promise.
After a serious fire the building sum insured and the debris-removal clause decide whether the settlement rebuilds the property or only contributes. Alternative accommodation or loss of rent may be a separate sub-limit with its own time cap. Contents in outbuildings are another frequent sub-limit.
We look at cooking and heating risks, storage of flammable materials, and any warranty about alarms or inspections. A warranty is a condition you must keep. Missing it can affect a claim even when the fire had another cause, depending on how the clause is written.
What we look for
- Buildings sum and debris removal
- Smoke and water-from-firefighting
- Alternative accommodation limits
- Alarm or inspection warranties
Questions people skip
- Outbuildings and fences
- Stock of fuel or chemicals
- Unoccupancy conditions
- How partial damage is settled
Income Protection When Work Is the Asset
Income protection, sometimes grouped with mortgage-payment cover, is designed to pay a portion of income if illness or injury stops you working for longer than a waiting period. It is not life insurance. The trigger is incapacity, defined in the policy, for a stated occupation or for any occupation. That definition changes the value of the contract more than the monthly benefit does.
People arranging a mortgage often meet a decreasing or short-term version of this idea. It may pay the loan instalment for a limited number of months. That can be useful, and it can also be narrower than the household budget. Rent, food, and childcare do not pause because the mortgage payment is the only benefit.
A review checks the deferred period, the benefit percentage, whether bonuses and overtime count as income, and how a return to partial work is treated. We also note offsets, where other income reduces the benefit. Those offsets belong in the comparison, not in the small print you meet after a claim.
What we look for
- Occupation definition
- Deferred period you could fund yourself
- Benefit as a share of income
- How long payments can last
Questions people skip
- Mortgage-only versus full budget
- Partial return to work
- Other income that offsets the benefit
- Exclusions for pre-existing conditions
Want this turned into a quote brief?
Tell us which panel matches your question. A representative will reply by email. Nothing on this page is itself a policy or a promise that a claim will be paid.