UK Independent. Sourced. Primary. · Est. 2024

Hine Insurance Brokers Limited | Insurance Brokers | Manchester | Est. 2001

Hine Insurance Brokers Limited is a insurance brokers registered in Manchester, established 2001. View company details, send a free enquiry and verify FCA status. Kaeltripton Financial Index.

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Hine Insurance Brokers Limited

Insurance Brokers · Manchester · Est. 2001

25 years
Active Trading
Active
CH Status
04340771
Company No
2024
Accounts to

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Company Registration Details

Registered company nameHine Insurance Brokers Limited
Companies House number04340771 →
Company typePrivate Limited Company (Ltd)
Registered address79-81 School Lane, M20 6WN
City / RegionManchester
Date incorporated2001
Years trading25 years
CH statusActive
SpecialismRecorded activity: 65120
Index statusClaim this listing →

About Hine Insurance Brokers Limited

Established in 2001, Hine Insurance Brokers Limited has over 25 years of trading history, placing it among the more experienced firms in its sector. This longevity reflects sustained client confidence and a track record of adapting to the evolving UK regulatory and market environment.

The Kaeltripton Financial Index records 639 insurance brokers nationally, 17 of them in Manchester.

Authorisation checks are free and immediate on the FCA register; unauthorised distribution is unlawful.

What Insurance Brokers Do

Brokers assess the risk, recommend cover levels and place the policy with a suitable underwriter. Commercial policies are often arranged through intermediary chains, which makes the broker's own standing important.

Advice is the distinction: an intermediary evaluates the risk presented rather than merely retrieving prices.

How to Choose the Right Insurance Broker

The right broker for a landlord portfolio differs from the right broker for a manufacturing risk. Ask how claims are supported: advocacy at claim stage is where broking proves its value.

Brokers are typically remunerated by commission built into the premium; fees, where charged, must be disclosed.

Frequently Asked Questions

What is the difference between an insurance broker and a comparison website?
The distinction is advice: comparison sites present prices, while a regulated broker evaluates your circumstances, recommends suitable cover and stands behind that recommendation under FCA suitability rules.
Do I need to use an FCA-regulated insurance broker?
Anyone arranging insurance for clients in the UK must hold FCA authorisation, so an unregulated intermediary should not be arranging your cover at all. Check any firm's status on the Financial Services Register before proceeding.
How are insurance brokers paid?
Most placements carry insurer-paid commission inside the premium; some firms charge fees as well. Either way, disclosure is a regulatory obligation, request it in writing.
What should I bring to a first meeting with an insurance broker?
For personal cover: current policy documents, five years of claims history, and details of what you are insuring. For commercial: company details, turnover, existing schedules and claims experience, plus anything unusual about the risk.
Can an insurance broker help me if my claim is rejected?
Yes, claims advocacy is core to the service: the firm can review the insurer's reasoning, challenge the decision with policy-wording arguments, and escalate to the Financial Ombudsman Service where appropriate.

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Important notice: The information on this page is drawn from the Companies House public register. Kaeltripton.com operates as an independent directory and has no affiliation with Hine Insurance Brokers Limited or any firm listed. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

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