Specialist Insurance Solutions for Solicitors

Hi, I’m Rob, founder of Insuristic.

If you and your team are losing hours every week chasing quotes, checking cover suitability, scrambling for firm credit cards, and generally worrying if a policy will respond if there is a claim, and not cause issues for your clients, your firm and your PI, I built Insuristic for you.

When I lost my mom at the start of my Insuristic journey, I identified a real issue for solicitors and lay executors when arranging insurance during the probate process.  Product availability was poor for lay executors, and for solicitors, insurance took up way too much of their time.

So, I made it my mission to fix this.  I pivoted my business to focus mostly on the Probate market. Insuristic became the first Insurance Broker in the UK to offer a full quote and buy journey for unoccupied property and legal indemnity Insurance for law firms and lay executors.

Our policies are exclusive to Insuristic; they can be arranged in a couple of minutes and offer broad cover.  The customer journey differs depending on who arranges the insurance, so we built separate products for lay clients and solicitors.

If you want smarter insurance solutions, without commitments or costs, keep watching this video series, which is designed for you to either watch in one go or come back to when you have

We provide a free, unlimited-user platform that cuts your administration time to a couple of minutes per client. I’m not talking about a 'request a quote' form, I mean a full quote-and-policy issue system.

We have removed from of the biggest friction points from our Probate Pro and Unoccupied Care Pro products, such as:

1. Time Reduction: Most policies can be ordered online in less than 2 minutes.
2. Simplified Payments and Accounting: You don't need to find a credit card to buy cover. Instead, every policy on our platform can be issued immediately. You get the cover your client needs instantly, and we bill you on a monthly account.
3. No Property Inspections: Keeping on top of what property has been inspected is a nightmare when you have lots of clients, and can create a PI risk for your firm. We’ve removed the requirement for inspection evidence. You no longer have to track if a client visited the property to ensure the policy is valid.
4. No Water System Drain downs: If draining water systems is a hassle for you or your clients, we can provide a generous £10,000 of escape of water cover. In return, the policy will require that heating be kept at a constant 15°C between the end of October and the end of March, leaving the loft hatch open.
5. Broking Support: For complex cases that don’t fit the platform, you will get full broking support from our underwriting team at SJL Insurance, who will compare the market for you and provide advice.
6. Claims – If you have a claim, you don’t deal directly with the insurer. Instead, SJL Insurance will assist you every step of the way, offering advice, saving you time by assisting with loss adjuster surveys, negotiating fair settlements and more.

And for our Estate Protect Legal Indemnity Insurance, simple estates can be quoted in seconds, not days or weeks. 

• You can arrange Missing Will, Missing Beneficiary, Early Distribution and Section 27 Insurance, either as a combined policy or standalone.
• When arranging Missing Beneficiary insurance, we don’t need to see the genealogy report or family tree. Provided there are no known issues, we can quote and issue a policy immediately, and for estates under £350,000, we can quote with just a verified family tree confirming there are no likely issues.
• When arranging Section 27 Insurance but haven’t got a liability report, we can quote without one but keep in mind it is always cheaper to have a report.

In our subsequent videos, I am going to show you how easy it is to get a quote and administer a policy with Insuristic.

If at any point, you like what you see, just fill in the form below. We’ll get your firm set up, and you can start reclaiming those lost hours today. No cost, no contract, just smarter insurance.

We have discussed how Insuristic can help you streamline your insurance needs. Now, let's look at how easy it is to get a quote.  Whether you are insuring an empty property in probate or insuring for someone in care, you need to be careful about gaps in cover and underinsurance.

Our Probate Pro and Unoccupied Care Pro products are designed to help you eradicate these risks and get cover in under 2 minutes. Our system is designed for speed. There are no long forms or 'questions designed to catch you out.

First, log in, click Get Quote at the top of the screen and choose the product you need.

Complete the short form to generate a quote. 

Add in the executor details, the name of the executor, their date of birth, then the insured name.

Enter some basic information about the property, then answer the declaration questions about the state of repair, construction etc.

Click Get quote to generate a quote.

From here, you can edit the quote, which will take you back to the previous screen.

View your quote, the cover and all the policy documents.

You then have two options:

1. save the quote and get a formal quote by email. You can return to it later by searching with your quote ID to make any amendments or put the policy on cover without rekeying.
2. If you like the quote, select proceed to put the property on cover
   1. select choose this option to add it to your account, and receive your policy documents automatically via email.
   2. All the policy and quote documents will be stored against the client record

If the property risk is complex and refers to the underwriter, such as if the property is in poor state of repair, has non-standard features, is in a flood area, etc., our underwriters at SJL Insurance will take your enquiry offline, providing a fully advised broking service so you don’t have to. 

Key Policy Benefits

Let's now discuss our key policy benefits. You will usually find our cover is broader than what your clients will find online if they choose to insure themselves.  Our quote process is designed for law firms insuring at arm's length. 

As such: We don’t ask about the types of locks on windows and doors, as you likely don’t know.  We just need to know whether the property is secure, in a good state of repair and free from subsidence.

Underinsurance is a big PI risk for solicitors and executors.  Risk Management firm, Risk Stops data shows that as many as 8/10 properties in the UK are underinsured, with the resulting claims shortfall posing a significant financial liability for you and your clients.

If you don’t know the rebuild cost, we can quote on the number of bedrooms, providing a blanket of £750,000 buildings insurance cover.   If this is enough to rebuild the property, you have avoided the underinsurance risk. If you have an accurate rebuild cost, you can use it instead for a more accurate price.

Now lets talk about the key features of our solicitor-focused cover. We provide broad cover that reflects the strength of your professional involvement, reducing the risk of gaps in cover and underinsurance.

There are no compulsory property inspections. You no longer need to track if a client visited the property to keep the policy cover valid.

There are No compulsory water system drain-downs: provided your client maintains the heating at 15°C and keeps the loft hatch open between the end of October and the end of March, they will receive a generous £10,000 of escape-of-water cover.

We include £10,000 Contents Cover included as standard: If you need more cover, you can pay to increase it up to £30,000.

If there are planned renovations, we can still cover the existing building with no increase in cost and without referral to the underwriter, provided there are no structural alterations or extensions to the property, and the project is less than £50,000. 

You can insure for 3, 6, 9 or 12 months, with the option to extend cover as often as needed and there are No cancellation fees if the policy needs to be cancelled earlier than planned.

If the policy cancels early without claim, we will provide you with a pro-rata refund that represents the value of the unused cover. You will struggle to find a comparative solution anywhere else.

If you aren’t already using Estate Protect, I can imagine it can take hours, days, or even weeks to source the legal indemnity insurance policies you need to protect your PI and your clients' liabilities. 

And when you do get quotes, the cost can often be a barrier when discussing the cover with your clients.  So, it is understandable that the policies available often aren’t offered to every client, as it takes too long, and the cost means this is often lost time for no gain.  

I built Estate Protect to change that. Enabling Solicitors to quickly get quotes and issue policies for estates with no known issues up to £3 million.

Whether you need Missing Beneficiary, Missing Will, Early Distribution, or Section 27 Insurance, you can now get a quote in about 50 seconds and another 10 seconds to put the policy on cover. No losing time on phone calls, emails to underwriters, or chasing and discussing quotes.

As you can see from the video playing on the right, in the short time it took me to explain this to you, a quote has been done and put on cover.  Just imagine how much time you will save, as well as providing affordable insurance to your clients.

Estate Protects Key Features:

Estate Protect has many benefits for your firm and your clients, starting with

• Lower cost for Solicitors: significant discounts for insurance administered by Solicitors. So, your clients are unlikely to get cover anywhere near the same price if they bought direct from Insuristic’s website, which may also help your conversations about instructing your firm for full estate administration services.
• Perpetual Cover: Unlike some market policies that cap cover to 10 years, our cover runs in perpetuity. It never expires, which is essential for Missing Will or Missing Beneficiary Insurance claims that can surface years later.
• No Excess: Our policy is excess-free, so there is nothing for your client or the firm to pay in the event of a claim. Which means that you can move on, safe in the knowledge that the insurer handles all claims from the point of notification.
• Protecting your PI: our slick system helps protect your PI as it enables you to offer a quote to every client you deal with. If they don’t permit you to take out the cover and there is a claim, there is no recourse to your firm, as it was their choice.  If you didn’t offer the cover, they can allege you failed in your duty of care to properly advise them and protect their risks.

Further benefits for your clients:

Now, let's discuss some further benefits, starting with when your clients want you to distribute the estate early, which I suspect is common, as most people want their inheritance tomorrow.

• Early Distribution: I’m sure every client wants their inheritance tomorrow. By offering a combined policy, including Early Distribution Insurance for estates with no known Inheritance Act-related issues, you can distribute as soon as you are ready, without needing to make your clients wait for the six-month statutory waiting period to end.  A real differentiator if you advertise this up front, since many of your competitors aren't advertising speedy distribution.
• No need for Section 27 Notices: You can arrange Section 27 Insurance, without placing a Section 27 notice or expensive local newspaper ads. Unlike a notice, the insurance policy protects personal representatives and beneficiaries from unknown creditor claims, whilst speeding up estate distribution, as you don’t need to wait two months for a Section 27 Notice to expire.
• Lower Missing Beneficiary Insurance for estates under £350,000: We help you simplify Missing Beneficiary Insurance for estates under £350,000. If the cost of a genealogy report is not appropriate, you can arrange cover after a genealogist has produced a verified family tree and confirmed there are no issues worthy of further investigation.  As you're the experts, we don’t need to see a copy of the family tree or genealogy report; just retain it in your file in case of a claim.

I’m confident that Estate Protect will save your team a huge amount of work, whilst providing access to a broad range of affordable policies for your clients. If you want access to Estate Protect for you or your team, just fill in the sign-up form on this page. We’ll get your firm set up, and you can start reclaiming those lost hours today. No cost, no contract, just smarter insurance

We like to keep our accounting process as simple as possible.

Billing & Payments: Every time you take out a policy, you’ll receive an invoice via email alongside your documents. Don’t worry - you don’t need to pay this straight away.

Instead, we’ll send a consolidated account statement to your nominated email address, usually within the first two weeks of the following month, making things easy for your accounts team.

When you’re ready to pay, please use the reference number found in the header of your ‘on cover’ or ‘quote’ email. Please avoid using the policy number.

Cancellations If you ever need to cancel a policy, we’ve made it easy with two options:

1. Simply reply to your original ‘on cover’ email.
2. Or, visit insuristic.co.uk/customer-support, click ‘Cancel Policy’ and submit the form.

Whichever route you choose, just let us know the cancellation date and the reason, for example, if the property has been sold or tenanted. It really is as simple as that.

If you haven’t claimed, we will issue a pro rata refund to your account, representing the value of any unused cover. We process refunds quickly, usually within a working day or two.

Insuristic has significant experience with large or complex estates, such as those valued at over £3 million or those involving known risks. Because of their nature, these risks won’t fit the automated Estate Protect quote journey.

Instead, we provide a dedicated online data capture tool. You can submit the estate details in a few minutes, with guidance on the information we need.  You can also upload supporting documents, such as copies of Wills or Genealogy Reports.

Once submitted, we handle all technical queries and negotiations with the underwriters, freeing you up to focus on your legal work. When we have the right level of information, quote turnaround is quick—typically within 24 to 48 hours

Common Scenarios that might need this approach are: When a beneficiary is known but cannot be found.  You’ll need a genealogy report for the underwriters to review that also proves that all avenues to find the beneficiary have been explored. 

Excluded Dependents Another common scenario is when a dependent has been excluded from the Will, including a spouse or former spouse, or civil partner, 

Or a child, including: stepchildren adopted children and children who were treated as children by the family of the deceased;

Or Someone else who was financially dependent on the deceased, such as a parent or a sibling.

Missing Will: Another scenario could be if there is a known Will, but it cannot be found or traced by the family or the National Will Register.

These scenarios don’t have to halt the estate's distribution. Provided there hasn't already been a formal claim or a threat of legal action, it can be possible to underwrite the risk and issue a policy that allows you to move forward with Insurance.

Insuristic excels in assisting with large and complex estates. If you have a challenging case on your desk, perhaps now is the time to sign up to work with us.  Fill in the sign-up form on this page, and we will be in touch.

It’s becoming increasingly common for a property in probate to be occupied, whether by a dependent, a family member, or a beneficiary. These scenarios are insurable, provided the occupants have the Personal Representative’s permission to live there.

The challenge with a standard home insurance policy:

However a standard home insurance policy is rarely suitable for two reasons:

1. Insurable Interest: Firstly, the occupants do not legally own the building and therefore have no insurable interest.
2. Risk Profile: Secondly, most insurers view non-owner occupants as a higher risk for issues like malicious damage, theft and a general lack of care at the property.

As such, many insurers will decline to insure occupied probate property.

Why Landlord's Insurance often isn’t appropriate

A Landlord insurance policy often isn’t appropriate either because it typically requires a formal tenancy agreement with a minimum duration, which is rare in family-based scenarios.

Of course, if the property was tenanted in the deceased's lifetime, and already insured on a landlord's policy, all you may need to do is update the insurer that the property now needs to be insured in the name of the estate.

When this scenario becomes uninsurable

However occupied property in probate isn’t always insurable. It is important to note that if an occupant is living at the property without the Personal Representative’s permission, perhaps during an eviction process, cover is generally unavailable due to the heightened risk of malicious damage and theft.

The Insuristic Solution

When the scenario is insurable, we treat it as an advised sale using a bespoke offline product. We make the process quick and easy for you.  When logged in to the portal, fill in the short Occupied Probate Property Insurance enquiry form.

Once submitted, a member of our underwriting team at SJL Insurance will call you to discuss the specifics and provide a tailored solution. We take away the hassle and, most importantly, ensure the property is insured correctly.

I hope you have found these videos useful.  If you would like to sign up to use Insuristic’s portal, all you need to do is to sign up and fill in your contact information.

You will then be emailed to finalise the sign-up process, either for yourself or for everyone in your team. All we need is for you to reply to the email with the first names, surnames, and email addresses of everyone who needs access to the portal.

Once we receive your email, we will set up each person's account and send them a welcome email with instructions for logging in.

We will then follow up with an email with further helpful resources and personal contact details of someone in the team who can provide support if you need help.

We are confident that Insuristic’s products will save your team a lot of time whilst protecting your PI and providing smarter insurance solutions for your clients, so why not sign-up today?