Essential
A single, well-understood policy.
$28 / month example
- One cover type, such as contents or third-party motor
- Written list of exclusions
- Email claims desk
- Standard excess
Pricing
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Illustrations
Example contributions, not a final price
The figures below are examples for a standard risk so you can see the shape of our plans. Your illustration will change with age, sums insured, excess, claims history, and the honesty of the facts you share. Taxes or levies, where they exist, are added on the quotation, not hidden inside these examples.
Household Shield
The plan most families compare first.
$74 / month example
- Life or home paired with a second cover
- Beneficiary or contents worksheet
- Named adviser
- Excess you choose within a range
Premises & Firm
For a shop, studio, or workshop.
$120 / month example
- Property and liability shaped to the work
- Optional interruption section
- Certificate wording for a lease
- Claims partner for the file
| What you are comparing | Essential | Household Shield | Premises & Firm |
|---|---|---|---|
| Best starting point | One clear need | A household with shared bills | A premises or a small firm |
| Named adviser | On request | Included | Included |
| Written decline reasons | Yes | Yes | Yes |
| Example only | Yes | Yes | Yes |
Examples assume a straightforward risk and a mid-range excess. They are not an offer and they do not include every fee a schedule might show.
Our promise is to make complex insurance language readable, to answer claim questions in writing, and to show the price of cover before you commit.
Every illustration separates the insurance contribution from taxes or fees that must be added. If a number on our pricing page is only an example, we say so.
You will know what we still need from you, why a decision is waiting, and where to write if you disagree. The claims desk is claims@bfdwinery.com.
Advisors are asked to list what they recommended and what they deliberately left out. That note belongs to you.