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From a cracked windscreen to a storm-damaged roof, the value of insurance shows up when something has already gone wrong. Tell us what you want to protect and we will reply with options, not a script.
30years of experience
About our company
We’re Committed to Provide Best Insurance Service
BFDLife was founded in 1992 to give households a calmer way to buy cover. We still sit with the same questions: who depends on you, what could you not replace from savings, and which exclusions would surprise you on a bad day?
- Contributions explained before you accept
- Licensed advisers and written recommendations
- Claims decisions explained in plain language
- No pressure to add cover you do not need
Jonah EllisChief Executive, BFDLife
Our services
Better Insurance for Everyone
Choose a place to start. Each guide explains what the cover is for, what it usually leaves out, and how to ask for a personal illustration.
Why families stay
Main Reason to Choose Us
People stay because the person who explained the policy is still there when a claim opens. We publish the scale of the practice so you can judge it, and we keep the explanations specific.
1.8 millionPolicies supported
940,000Claims settled
4,200+Partner workshops
96.4%Claims paid ratio
- Financial protection shaped around real bills
- A named adviser on every quotation
Since 1992
Quality Insurance Since 1992
Four promises sit under every schedule we issue. Open a question to see how that promise works on an ordinary Tuesday, not only in a slogan.
Life, home, motor, health, travel, family protection, business, and landlord property. You can start with one.
Use the quote form or write to hello@bfdwinery.com. A question is not an application and it does not start cover.
Yes. Family protection is a planning session that lines up the policies you already have before suggesting anything new.
You’ve got a friend in us.Write any time. We reply by email.
Hannah Cho’s claims desk coordinates the file and writes the decision. You are not passed between unnamed inboxes.
Reply to the decision and ask for a review. We will say what extra document would change the answer, if one would.
To help people transfer the losses they cannot carry, and to leave the small losses in the household budget when that is wiser.
No. Advisors list what they left out, and why. A shorter policy can be the better recommendation.
On a written illustration before you accept. Example figures on the pricing page are labelled as examples.
They are listed in the quotation pack. If a sentence is unclear, ask before you accept. We would rather explain it twice.
Testimonials
What They’re Talking About Our Company
“
I asked for home and life cover in the same week. The note I received listed what was duplicated and what was missing. I bought less than I expected, and I understood every line.
Robert MickPolicyholder
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Our annual travel plan was explained against the health cover we already held. The gap was a winter-sports declaration, which we added before the trip rather than after a booking.
Maren ColeTravel client
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The motor schedule finally matched who actually drives the vans. When a windscreen cracked, the claims note told me what to photograph and the decision arrived in writing.
Samir AdeyemiWorkshop owner
Readers’ plain-language mark
Household clients voted our quotation letters the easiest to reread six months later, which is when most people actually need them.
Claims clarity commendation
An independent panel noted that declined claims from our desk still explained the policy clause in everyday words.
Find a local-minded adviser
Tell us what you want to protect. A named person will write back with questions, not a script.
Request guidanceFrom the desk
Guides worth reading before you buy
How to read a policy schedule without getting lost
Read more +
What a motor claim file should include
Read more +Covering a household that is still growing
Read more +Workshops and mutual partners we coordinate with
NorthlineHarbor MutualWaylineAlder & OakArven Group