Are you buying the right cover at the best available price?

After a long period of low insurance rates costs are now rocketing across all lines. The timing could not be worse for hard-hit businesses, but all too often brokers will tell you ‘there’s nothing they can do’ because the market is terrible this year.

We believe that policyholders deserve better and so we developed a unique approach to buying insurance. As a result, on some recent projects we have been able to save our clients between 20% and 50% against the incumbent broker’s estimates.

Changing the way businesses buy insurance

As our recent high-profile report into conflicts of interest in the insurance industry showed, some brokers receive up to 80% of their income from insurers, with only 20% derived from policyholder fees. This insurer income is comprised of commissions and fees for services that are often linked to premiums – meaning they may make more money as your insurance costs increase.

Mactavish treats brokers as the market and runs unique tenders that put brokers and their preferred insurers in head-to-head competition. The results can be astounding – with substantial reductions in cost and critical improvements in terms, giving our clients more reliable insurance while also ensuring that they are not overpaying for it.

How does Mactavish work?

  • We run unique tenders to drive real competition quickly, focusing fully on the two essential matters of price and cover. This avoids slow ‘conceptual’ tenders and accesses the entire insurance market while putting incumbent brokers under immediate pressure to deliver
  • We analyse your risks – working from the ground up rather than starting with standardised frameworks
  • We draft our own wordings so that you know your cover will perform as you expect
  • We negotiate broker agreements (TOBAs) to hold them accountable
  • Mactavish manages the whole process from start to finish, allowing you to get on with protecting and growing your business

Find out how we achieved a 33% saving for a listed company

Mactavish was engaged by a FTSE 250 company with a brief to manage costs while improving the quality and reliability of its cover.

The incumbent broker had told the client that its premiums would increase significantly at renewal and that they would have to move to a standard broker/insurer wording that would not take into account the changes they had previously negotiated.

Mactavish ran a written lines tender creating head-to-head competition between two brokers. The result was a 33% premium saving against the incumbent brokers offer and acceptance of a range of bespoke policy changes that left the client better protected.

On one policy alone, the Mactavish policy was better than the broker wording on 20 points of coverage and law.



Who we work with

Our clients range from FTSE100 companies to SMEs and cover every sector from manufacturing to media. We build long lasting relationships based on trust and tangible results.


Make the change

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