About Us

AntInsurance.co.uk is the trading name of FIUK.com Ltd . We are authorised and regulated by the Financial Services Authority No 313773. You can check this on the FSA Register by visiting the FSA's website: www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234

We began trading in early 2000 pioneering internet based standalone Mortgage Protection and Loan Protection via our trading name of Freeinsuranceuk.com and offering the consumer an alternative to high priced High Street policies. At that time consumers had little or no choice other than to buy expensive policies attached to either their loans or their mortgages. It took a while for people to realize that online alternative options were available but finally we, and those that followed us, were acknowledged.

"A few companies sell standalone PPI policies, which are usually much cheaper than lenders own policies. The cheapest is currently Freeinsuranceuk" Sunday Express March 2003.

We prided ourselves on keeping a small, tight knit company, not resorting to call centres but keeping everything "in house". This allowed us to listen to our customers needs and begin to understand that they wanted greater flexibility and choice. We realized that "one size insurance" did not fit all and we therefore looked at ways to provide the option to tailor policies to suit the individual needs of each person whilst still keeping premiums at the lowest level possible.

We approached Assurant Solutions, part of a global insurance group who had been operating in the UK since 1972 and who had expertise in underwriting protection insurance, along with a growing reputation of creating insurance policies tailored to individual circumstances. We worked exclusively with them to create an Income Protection Insurance (ASU) policy that provided the innovative and unique option of 3 and 6 month benefit periods to combine with the industry standard of 12.

In June 2006 we therefore launched Ant Insurance.co.uk with new age banded premiums. The new benefit periods proved immediately popular and confirmed the consumers need for an opportunity to have some cover rather than no cover at a premium that was affordable.

"Most policies provide 12 months cover, however it's worth asking yourself how long it will really take you to find another job. The latest Labour Market Trends report from the Office of National Statistics reveals that 63% of the unemployed find work within six months of losing their job. The only company currently offering a choice of repayment periods is newly launched AntInsurance.co.uk that offers a short-term 'band aid' option of three or six months cover, as well as the standard 12. This option offers the cheapest standalone protection, and is useful if your employer already provides a favourable redundancy or accident package of if you only need short term cover to get yourself back up on your feet and working" Mortgage Magazine

The ant insurance internet site was created solely with the consumer in mind with clear, helpful advice and easily accessible information. "Thank you for an easy to understand on-line application and clear information. I would also like to congratulate you on the sincere helpful advice by telephone. Excellent service all round with clear guidance." Suzanne, Cambridge. Both the clarity of the site and the flexibility of the policy options were a breakthrough in terms of online payment protection insurance.

"Antinsurance.co.uk maintains good value for all its customers by passing on the cost savings of its online approach, and is founded on the premise that insurance should be affordable and appropriate for those who need it most. Insolvency, for example, is most prevalent amongst younger people , and so AntInsurance.co.uk offers age-based pricing with the lowest premiums for its youngest customers" Mortgage Solution Online

The success of the age-banding and choice of benefit periods prompted us to then launch a new Mortgage Payment Protection policy in late 2007 to compliment and run alongside our Income Protection Insurance.

We are a company constantly striving to produce protection policies relative to the consumer's individual needs. Again we listened to our customers and began to understand the sense of annoyance felt by those who received good company sick pay benefits and therefore could not claim in the same time frame as others. They felt unhappy at paying the same premium for less cover. We looked at the problem and again, uniquely, in November 2007, proudly launched our new Income Protection Insurance and Mortgage Payment Protection policy designed solely for both public and private sector employees who receive more than one months full pay whilst off sick. This product offered the unique option of combining the benefit of back to day one unemployment cover with accident and sickness cover deferred to match their sick pay entitlement. By once more listening to our customers and understanding our market we have again pioneered a policy that will meet their needs

"Assurant Solutions, a specialist in creating, underwriting and administering niche insurance protection products, has created a new scheme on behalf of Ant Insurance specifically. The new scheme is the first ASU (Accident, Sickness and Unemployment) income protection insurance product that takes employer benefit periods into consideration and only charges workers for the cover they need. Assurant Solutions, will also manage claims and administration for the scheme".

In 2007 we were delighted that our efforts were acknowledged and to receive the What Mortgage Magazine Insurer of the Year Award for 2007 and 2008. We regularly top the Defaqto and FSA tables as the cheapest provider of payment protection but we have never compromised he quality of our cover to maintain these premiums.

We are a forward thinking company with flexible, comprehensive and robust policies at affordable and highly competitive premiums, underwritten by Assurant Solutions whose parent company, Assurant Inc, is listed on the New York Stock Exchange under the symbol AIZ.

We are confident that our products provide the best possible payment protection and we look forward to continuing to break new ground and create new products but never forgetting our customers and continuing to listen to their needs and their requirements.