Why Choose Ownit?

Insurance advice is not about selling you a product - it's a promise that if things go wrong, you and your family will be financially secure.

Ownit advisers take this promise very seriously. We've seen the devastating impact that unexpected injuries, illnesses or deaths can have, and know how reassuring it is when the right insurance policies are in place beforehand.

Our experienced team will meet with you in person to examine your situation and discuss what level of insurance cover you might need. We'll then get back in touch every year to see if any personal circumstances have changed, and to make sure your policies are still appropriate.

If you do ever need to make a claim, Ownit will be there to handle the whole process for you. Having us on your side, and the financial security that insurance policies offer, makes a huge difference when life gets tough.

Ownit Director, Lorna, has been an insurance adviser for over a decade. An impressive 96% of her clients remain on her books year after year and she's won multiple industry awards in recognition of her expertise.

Lorna and her Co-Director, Emily, genuinely care about making sure people are well-looked after when they need it most. They would love to help you 'Own It' when difficulties arise, so get in touch today.

Insurance Policies


How are insurance advisers paid?

Insurance advisers receive a commission directly from the insurance company when a new customer signs up. The commission rates are roughly the same for each insurer, so it does not sway our decision on which policies to recommend. Our service is free to you.

Can I trust an insurance company to pay out?

Yes. Ownit only deals with the best insurance companies who offer the best policies and coverage. Paying monthly or annual premiums can feel like a waste of money, but should you ever need to make a substantial claim it will be worth every cent. Making sure you have the right insurance in place to begin with is the key to ensuring claims are paid out.

Do I need insurance?

If you have financial obligations (like rent or mortgage repayments) or a family who rely upon you and your income, personal insurance is a smart move. The right level of cover will give you financial security if things go wrong. It will also allow your partner to take time off work so you can be together as a family in difficult times. Your health is your most valuable asset thats worth protecting at any age.

How much information do I need to disclose?

The more detail you can provide to our Ownit advisers and your potential insurer, the better. All medical and personal information is strictly confidential. Full disclosure is the best way to ensure any future claims will be paid.

What does an insurance rating mean?

Each insurance company has a rating which indicates their financial strength, stability and vulnerability to adverse market conditions. This is one factor worth considering when choosing which insurance provider to sign up with.

When should I take out personal insurance?

Insurance companies will always exclude pre-existing conditions so the sooner you take out your policies, the better. Think of it like car insurance if you bring in a banged up car, you wont be insured for the dents and damage that already exist. Similarly, if you suffer a major injury or illness and then try to organise insurance, you will not be covered for that condition.

Q: How do I make a claim?

Just give your Ownit adviser a call and we will make the claim on your behalf to ensure the process runs smoothly for you.

What do our clients think?

  • Nicky, Dave and Regan

    'Thank you for getting us signed onto mortgage protection insurance. Sovereign Insurance has been amazing and the process has been so easy! Without the insurance, we would have probably have had to sell our house with Dave not working. I would recommend anyone to get mortgage protection insurance, as you just don't know what is around the corner, and I would also recommend Sovereign Insurance as a provider. Thank you for your good advice.' 

    Nicky, Dave and Regan

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