I have used RTIS for a number if years for insurance on my mother's home, and as a sole trader, for…read moreinsurance to help pay my bills if I'm incapacitated. I have always found them to be friendly and helpful. They remind me in plenty of time when renewal dates approach, and never bother me with promotional bumf. A great local business.

I went to First Call after I had a bad experience with my mortgage provider. Their payment…read moreprotection insurance didn't provide sufficient cover for me and the premiums were much more than I expected. The team at First Call went through all the details with me, and arranged a plan that suited me perfectly. I now feel much more at ease, and know that I won't be at risk of losing my home should I be made redundant.

In June of this year I was appointed Company Secretary of The Dolphin Court Management Co Ltd which…read moreowns a block of 5 apartments in Shaldon ( Teignmouth). In looking at the annual cost of the Building and Employers Liability Insurance, it seemed very high. Renewal was due soon so I decided to approach other Brokers and get comparison quotations. Firstly Dolphin Court Management Company do not employ anybody or have a payroll so why were they paying a premium for Employers Liability? The quotations that came back from other Insururance brokers for the Building Insurance only were more than £900.00 less expensive!! (approx. 40%) I telephoned Fidelius and informed them that if they wished us to renew with them they would have to considerably "sharpen their pencil" and remove the unnecessary Employers Liability and at the same time increase the sum assured for the buldings which appeared to low. Fidelius came back with a similar premium to the other brokers ie some £900.00 less expensive. The Company had continually renewed with Fidelius for the last 14 years. I asked the question why the premiums had been so high and despite increasing the sum assured and taking into account the increasing Insurance Premium they had managed to reduce the premium by 40%? The reply I received was 1) " That insurance premiums go up and down" and it means that market has changed. Furthermore that we had removed the Employers Liability which was "an expensive section of the policy" If Building Insurance policy premiums had dropped by 40% then it would have made headline news. Their explanation is simply untrue. I contacted another Broker and requested a quotation for Employers Liability should the Dolphin Court Management Company have directly employed a gardener or a cleaner. The quotation came back as a premium of £81.00 for cover of £10,000,000. How can £81.00 be an expensive part of a premium that was well in excess of £2,000.00?!!! USE FIDELIUS INSURANCE SERVICES AT YOUR PERIL !!!!!!

Although not a farmer, following a recommendation, we use this for our car insurance as prices are…read morecompetitive. They have also paid out without problem to other people we know, and were good when we advised them that someone had written off our car (they didn't need to get involved as the other person admitted liability). I've not actually been in, but dealt over the phone with them, and never had any problem, although sometimes the lines are engaged. The policy also insures me to drive any other car, which has been very handy at times.