Tobell Insurance Services

Guaranteed Asset Protection

Predominantly sold in the motor market the product covers any shortfall between the first party insurance claims and the unpaid loan balances or the original purchase price of the asset covered. The product is increasingly popular with finance houses to protect against bad debts and motor dealerships as an attractive add on to their after sales services.

Return to Invoice

A product which will cover any shortfall between the amounts received from your motor vehicle policy for your vehicle if it is written off and the original retail price of the vehicle at new. An increasingly attractive product for dealer and vehicle owner

Vehicle Replacement Insurance

A member of the GAP product family.  A VRI policy is designed to cover any shortfall between, the amount received from your motor insurer when your vehicle is written off, and the cost of a replacement vehicle of a similar age and mileage as when it was purchased.

Hybrid GAP or Retail Price Protection

Hybrid gap is a product which combines the benefits of the traditional Guaranteed Asset Protection insurance cover and a Return to Invoice product.  The policy will pay out whichever amount would be higher under the individual GAP or RTI policies.

Warranty

Tobell Insurance Service provides a broad scope of warranty products and covers in regions across the world accessing financially strong and expert insurance capacity to deliver market leading products at attractive terms. Tobell Insurance Services has built a reputation for innovation across the spectrum of warranty covers.

Mechanical Breakdown Insurance

Traditionally applied to used goods, MBI is an extended warranty that will cover the replacement of specific parts and components on your vehicle and the associated labour costs to carry out the replacement work. Schemes can run for a defined term and period over and above the manufacturer’s warranty. We can provide either named components, or all mechanical & electrical covers.

Brown and White Goods Extended Warranty

We can provide a range of products to cover the breakdown or failure of domestic white or brown goods, over a specified period of cover, be it 12, 24 or 36 months. The products can be designed to suit the client’s needs and Tobell Insurance Services has established a track record for our innovation in the warranty marketplace.

Assistance

We can provide a comprehensive suite of motor assistance covers which can provide a powerful additional service for motor firms and dealerships at point of sale. The products can be adapted to suit the needs of specific dealerships and clients and are sourced from market leading underwriters.

MOT

We can offer a broad product which will protect policyholders from the costs of their vehicle failing their MoT due to a list of proscribed issues. The policy will cover the costs of repairs to remedy the fault.

Tyre Insurance

We offer a market-leading product which will cover the costs of repair or replacement of a vehicle’s tyres due to accidental or malicious damage. The product can be tailored to the client’s needs in terms of limits on tyre numbers or claim limit throughout the period of the cover.

Key cover

With continual enhancements in vehicle security the sophistication of the entry and ignition systems mean that the complexity and importance of the vehicle’s keys continues to increase. We can provide a product that will cover the cost of the repair or replacement of a key accidentally lost or damaged.

Mobile Phone

Programs covering Accidental Damage, Theft and Mechanical and Electrical Breakdown. With the enhancement of mobile phone technology the costs of handsets continue to rise. We can cover a comprehensive suite of products which will cover the handset for replacement and repair.

Life

We provide a range of life covers which provide a broad section of choice in terms of premium levels, along with sums and terms assured. We access some of the market’s leading underwriters to offer innovative products which recognise the changing needs of our clients and the policyholders.

Accident Sickness & Unemployment

Our range of products will provide policyholders with a choice of ASU covers which can best suit their needs and their budgets. The products will provide a monthly sum which will cover mortgage or rental payments and other expenses to cushion the impact of the loss of working income.

Redundancy

In an ever more competitive economic environment we provide products which will protect policyholders against the financial impact of redundancy. Our ability to access a wide range of market enable Tobell insurance Services to build a product which meets the need of the widest section of policyholders.

Salary Gap

This innovative product will cover any shortfall between the wages of a subsequent job if you are made redundant from your current role at the time of the policy being taken out. If you are made redundant and the salary of your next job is lower than the one you were forced to leave the cover will be enacted once the job has been started and will provide the sum required to address the shortfall for a period up to two years.

Special Risk

Tobell Insurance Services has built its reputation in the provision of special risk covers. Our innovative approach and experience in the market enables Tobell Insurance Services to create covers which are ahead of their time and will meet the needs of the policyholders in changing time with changing liabilities and exposures.

Insurance Backed Guarantee

In tough economic times contractors and tradesmen are under pressure to keep their businesses alive. Our Insurance Backed Guarantee will provide additional piece of mind that any issues or liability with previously carried out work that could arise after a firm has ceased trading be it through, liquidation, or the retirement or death of the company principle will be