Contact Sign In Add Your Business
Insurance Surgery Insurance Surgery
Call Now
Website
Call
Business Details
26 Years
experience
Trusted Insurance Solutions for Your Protection Needs
The Insurance Surgery has been a trusted name in life and protection insurance for 25 years, specialising in tailored solutions for individuals and businesses. Our expertise extends to covering clients with medical conditions and those in high-risk occupations, ensuring comprehensive protection regardless of personal circumstances. As part of the Protection Distribution Group, we prioritise fair customer outcomes and maintain partnerships with leading insurers to offer exclusive products. Our services encompass life insurance, critical illness cover, income protection, and business protection, all designed to provide financial security and peace of mind.

With a dedicated team of advisers, we offer free, no-obligation advice and handle the entire application process to ensure a seamless experience. Our Price Promise guarantees competitive rates, and we provide free policy reviews to ensure ongoing suitability. Recognised for transparency and customer-centric service, we are members of the British Insurance Brokers Association and the Protection Distribution Group, reinforcing our commitment to industry excellence.
Services
Life Insurance Critical Illness Cover Income Protection Business Protection Travel Insurance
Details
  • Year established: 2000
Highlights and features
  • 25 years Experience With 25 years of specialist life and protection experience, we can find the perfect policy for you.
  • Free advice We always offer free advice and will never charge you for this support.
  • No pushy sales We want the best for you, so will never try any pushy sales techniques.
  • Price promise + 50 gift card If you find a better price elsewhere, we will beat it and give you a 50 gift card.
  • Free No Obligation Policy Reviews To ensure your policy is suitable for your needs, we'll carry out free policy reviews.
Associations and certifications
  • Protection Distribution Group (PDG)
  • British Insurance Brokers Association (BIBA)
Payment methods
  • Cash, Debit cards, Credit cards, Mobile payments
Website
Services
Life Insurance
Life insurance provides financial security for loved ones after your passing, offering a lump sum payout to cover mortgages, debts, education, and funeral costs. At The Insurance Surgery, we specialise in policies tailored to individual needs, including options for those with medical conditions or high-risk occupations. With access to mainstream and specialist insurers, we ensure competitive rates and comprehensive coverage.
Critical Illness Cover
Critical illness cover offers a lump sum payment upon diagnosis of a serious condition like cancer or heart disease, helping to cover medical expenses, mortgage payments, or lost income. We provide standalone policies or add-ons to life insurance, with flexible terms and coverage amounts. Our specialists ensure policies are tailored to individual health histories and financial needs.
Income Protection
Income protection replaces up to 70% of your income if illness or injury prevents work, ensuring financial stability for self-employed individuals or those without employer sick pay. Policies offer deferred periods from day one and can last until retirement. We handle underwriting and paperwork, providing fast quotes and exclusive guaranteed sick pay options.
Business Protection
Business protection safeguards companies against financial loss from key person absence, offering life cover, loan protection, and employee benefits. We provide tailored solutions for SMEs, including relevant life policies and group insurance, with support for medical and financial underwriting. Our service ensures business continuity and employee security.
Travel Insurance
Travel insurance covers pre-existing medical conditions, winter sports, and cruises, with options for single or multi-trip policies. Partnering with Staysure, we offer competitive rates and 20% discounts for UK residents. Coverage includes emergency medical treatment, trip cancellations, and winter sports, with 24/7 assistance and straightforward claims.
Questions
What types of life insurance policies do you offer?
We offer term life, whole-of-life, and over-50s life insurance policies, along with coverage for high-risk occupations and medical conditions.
Can I get income protection if I'm self-employed?
Yes, we specialise in income protection for self-employed individuals, offering policies that replace up to 70% of your income if illness or injury prevents work.
Do you cover pre-existing medical conditions?
Yes, we work with specialist insurers to provide life, critical illness, and travel insurance for clients with pre-existing conditions.
What business protection options are available?
We offer key person insurance, relevant life cover, group life insurance, and business loan protection tailored to SMEs.
How does your Price Promise work?
If you find a cheaper quote elsewhere, we'll beat the price and give you a £50 gift card, ensuring competitive rates without compromising coverage.
Videos
Reviews (26)
Cheeky London
Mar 06, 2023 Report
I was booking travel insurance for my partner who has some health issues so it wasn't a straightforward policy. However, everyone I spoke to at The Insurance Surgery was very helpful, efficient and sensitive to the issues involved. They helped us find the best policy available.
Toby Hand
Jan 03, 2023 Report
If you're looking for life insurance and have been turned down elsewhere, this is the company for you. Julie was super helpful and knowledgeable from the initial call I had with her through to finding the right policy for me. She kept me updated throughout the process, recommended a few options and was very transparent about her action plan to try and find the right deal. Would highly recommend the insurance surgery and, if you're lucky enough to get Julie as your contact, can guarantee you'll be in safe hands. Thanks Julie!
Hannah Quinn
Oct 12, 2022 Report
What an incredible service! I would absolutely recommend the insurance surgery. I was struggling to get insurance applications accepted which caused significant stress as talking about medical/ mental health history and struggles can be very traumatic. As soon as I reached out to the insurance surgery, they acted promptly (calling within an hour) and so informative. Karl Waterhouse acted with such reassurance and sensitivity and completely transformed a difficult scenario into one in which I felt at ease, no judgement and explained everything so thoroughly.

It's most definitely a company who truly live out their ethos and genuinely care about their customers. I can not thank Karl enough for making me feel so looked after and finding the best solution for me at a great price. Truly grateful.
William Beasley
Aug 15, 2022 Report
A1 service from the beginning. My own medical history meant the application took some time but Tom Hayes and his colleagues were there all the way. If you want a competent, professional company to deal with you have found the right one. And the 'icing on the cake' is that I now pay half the amount of my old premiums for twice the cover. 10/10 Many thanks
Honey Dylan
Jul 06, 2022 Report
Megan Hammonds has been brilliant at helping me find the best cover. She is patient, understanding and not at all pushy. High recommended.
Ian Tyler
Jun 17, 2022 Report
Thank you, Julie Arthurs! You provided a great service and I got the life insurance I needed. Pretty much everything was done over the phone and I just had to check and amend the forms before submission to the insurance company. An excellent experience that I am happy to recommend!
Claire Woon
Jun 03, 2022 Report
Finding this service has been amazing. I have MS and could not find the right life insurance or got refused until I came across the Insurance Surgery. Liz was my broker and she was polite, non judgemental, funny, professional, caring and no hard sell. She listened to everything I needed. She went above and beyond and gave me several options to choose from explaining everything. I cannot praise Liz and this company enough and am thankful to have found them.
Alibobs B.
May 16, 2022 Report
Simon was amazing, I struggled getting insurance because of health issues and Simon always keep chasing the companies for me. We finally agreed a great deal and I could not be more happy. Thank you Simon.
Lynda Mcallister
May 07, 2022 Report
Amazing service, My husband and I have been searching for life insurance for him for months and after many many refusals we found the insurance surgery and Neil Cameron. He did it all, he sourced several policies all to meet our needs, always within our budget, he completed all the paperwork and engaged with the insurers, he has given me peace of mind and that is priceless. Neil made the entire process so easy, and never pushed a policy, he went above and beyond for us and made it seem no trouble at all. I will recommend this service to everyone. Thank you so much.
Andrew Hill
Apr 11, 2022 Report
After struggling with different brokers for over 3 years. And always been refused. Julie got me sorted a lot quicker than we thought. she was the first person to ask certain questions and got me sorted in less than 2 weeks. I am now covered! and soo happy Highly recommend! and julie THANKYOU
Adam Spurling
Mar 12, 2022 Report
I cannot rate the Insurance Surgery highly enough. I dealt with Neil Cameron who was patient, really helpful and made the whole the process feel very personal. There was no hard sell and, after taking all my details, he was able to find a cheaper rate than i was currently paying. Neil got everything sorted quickly and efficiently. I will be recommending the insurance surgery to all my friends and colleagues. Thank you very much.
Anne-Marie McBrien
Jan 21, 2022 Report
I am so pleased to be looked after by Neil Cameron at The Insurance Surgery. Great customer service, helpful advice and never ever any pressure! Navigating the difficult world of insurance has been so much easier with his help and patience. I highly recommend this team!
Catherine Glew
Jan 04, 2022 Report
Neil was brilliant, proactive at keeping me up to date and chasing the insurers for progress on my behalf. He managed to secure a great value policy for me and was a pleasure to work with. Would recommend to anyone, particularly people with pre-existing mental health conditions looking for life insurance. Thanks so much!
Miron Ruthayan
Oct 17, 2021 Report
As my mum was diabetic finding an insurer for her by myself was harder than I expected with the final premium being much different to the estimate given. Liz at the Insurance Surgery went through the options and made the process quick and much easier. She found an insurer that suited my mum's needs and within the monthly budget we was after. Will recommend to others.
Thomas Bedford
Aug 23, 2021 Report
Massive, massive thanks to Liz for sorting out my life insurance! After getting declined by multiple insurers, she managed to toil through different providers both quickly and efficiently and find one that was affordable, but had everything I needed. Thanks Liz, you need a pay rise!
Scott Harvey
Feb 02, 2021 Report
Sam Cox was extremely helpful and very thorough with everything over the phone! I have never acquired insurance before but Sam explained everything with ease. He contacted me via email, phone and text which is extremely helpful in my current circumstances of moving house. A credit to your company. Definitely reccomend.
Paul Bonning
Jan 15, 2021 Report
Great service and reduction in premium compared to quote provided directly from the insurance company. Sam Preston was very professional and extremely helpful in getting everything completed in a smooth and timely fashion. Would definitely recommend.
Tom Dean
Jan 15, 2021 Report
A big thank you to Sam for his good advice and patience to secure a life policy to meet my needs at an affordable price. Sam provided me with several options for available types of cover explaining the benefits of each. Yes, there were lots of questions to answer during my telephone interview but this beats form filling at home. I would suggest some preparation beforehand regarding questions relating to health and lifestyle to reduce time spent on the call or calls if needed. Sam was able to give me more than one quote from the biggest insurers and was quite prepared to juggle the figures to match my budget. Again, a big thank you to Sam at the Insurance Surgery for a good deal
Anita Tingle
Sep 19, 2020 Report
Sheryl was so easy to deal. She was professional and knowledgeable but also understanding and showed compassion when necessary. After going through this process with another company which wasn't sorted in 3 months I'm so glad I used the Insurance Surgery in the end, 24 hours and life insurance in place. Thanks Sheryl
Graham Love
Feb 18, 2020 Report
I contacted The Insurance Surgery for Life Insurance, and was dealt with by Sam Preston, he handled my application professionally, and very quickly, I was able to take this policy out after 2 days, from start to finish. Would highly recommend this person and his company. Thanks for a great service.
Jon Wright
Feb 12, 2020 Report
Fantastic service once again from the Insurance Surgery. They managed to get me covered several years ago when diagnosed with diabetes. Was just thinking of updating when I got a call from Sam Preston, who sorted out my requirements quickly and efficiently. Excellent service.
Matt Fitton
Jan 19, 2020 Report
Greg at The Insurance Surgery has been fantastic from start to finish. Unfortunately I had to wait 3 months (due to my circumstances changing) from when I initially spoke to Greg, to when I could take out the insurance. Greg's patience and advice during this time were perfect and made me feel very at ease that I am fully covered at the right price. Thanks for being so understanding and having such good advice at hand. Would recommend to anyone - 100%.
Harry Garner
Dec 02, 2019 Report
My experience was brilliant. I found it particularly tough working through different companies trying to get the specialist insurance that I needed, so it was a great weight off of my mind. Dan (the advisor) was amazing and kept me informed the whole way, he made everything so easy! I would recommend to anyone!
Elaine Petrie
Sep 30, 2019 Report
Sam helped me get a quote for a life insurance policy which I had previous struggled with due to some health conditions - this was done very quickly, and Sam was very accommodating to my working hours and would call me when promised and whenever was convenient to me. Very happy with the price, cover and service received. Would use again for future quotes and would highly recommend.
Tracey Grylls
Sep 08, 2019 Report
Julie A has been fantastic & so helpful, I didn't get the insurance over I wanted but at least I do now have some cover! She is very patient, understanding & determined member of staff, you should be very proud to have her work for you. Thank you for all your time.
Conal Platt
Aug 16, 2019 Report
Dianne Wheeler made everything run smoothly from start to finish. As it was my first ever life insurance policy, she explained everything throughly and found me a great deal having previously been denied insurance. The service is a great help for people like myself and would highly recommend!