Business Details
50 Years
experience
Your Trusted Insurance Brokers in Harpenden
Established in 1976 as Jackman Smith & Co, our company rebranded as The Insurance Store Ltd in 2007. With over four decades of experience, we specialise in providing tailored insurance solutions for individuals and businesses across St Albans, Harpenden, and surrounding areas. As FCA-authorised brokers, we work with leading insurers to secure competitive rates for car, home, business, and specialist insurance policies. Our team prioritises face-to-face and telephone consultations to understand client needs, offering expert advice that often surpasses price comparison websites.We maintain strong relationships with major insurers and utilise advanced technology like Smart Witness to protect clients' no claims bonuses. Our commitment to transparency, regulatory compliance, and customer satisfaction has cemented our reputation as trusted local insurance specialists.
Services
Car Insurance
Home Insurance
Business Insurance
Landlord Insurance
Motorbike Insurance
Taxi Insurance
High Net Worth Cover
Details
- Year established: 1976
Highlights and features
- We've been providing insurance solutions since 1976 with FCA regulation
- Our brokers beat price comparison website rates for major insurers
- Personalised service through face-to-face or telephone consultations
- Specialist knowledge in high net worth property and vehicle insurance
- Smart Witness technology protects taxi drivers' no claims bonuses
Associations and certifications
- Financial Conduct Authority
Services
Car Insurance
We provide comprehensive car insurance solutions including third party, third party fire and theft, and fully comprehensive policies. Our brokers specialise in finding competitive rates for standard vehicles, classic cars, and commercial vehicles. With access to major insurers, we often secure better rates than price comparison websites while offering personalised advice to ensure appropriate coverage levels.
Home Insurance
Our home insurance policies protect buildings and contents against risks including fire, flood, theft, and subsidence. We offer standard, accidental damage, and all risks cover options tailored to individual needs. As local experts, we understand property requirements in St Albans and Harpenden, providing specialist advice for unique properties while ensuring competitive pricing through our insurer relationships.
Business Insurance
We offer tailored business insurance solutions covering material damage, business interruption, employers' liability, and goods in transit. With 30+ years' experience serving local businesses, our brokers create policies that protect against financial loss while offering optional extras like computer cover and legal expenses. Our specialist knowledge ensures appropriate protection for shops, offices, and professional practices in the St Albans area.
Landlord Insurance
Our landlord insurance policies protect rental properties against damage, loss of income, and legal liabilities. We provide coverage for various tenancy types including student lets and holiday rentals. With options for multiple properties and unoccupied buildings, our brokers offer tailored solutions that protect both residential and commercial investment properties across Harpenden and surrounding regions.
Motorbike Insurance
We specialise in motorbike insurance for sports bikes, scooters, and quads, including helmet and leathers cover. Our policies cover 16 common modifications as standard, with options for multi-bike policies and ultimate bike protection. With access to leading insurers, we provide competitive rates for moped, scooter, and high-performance motorcycle insurance while offering specialist advice for all rider requirements.
Questions
How can you offer better rates than price comparison websites?
As independent brokers with direct relationships with major insurers, we access exclusive deals not available online. Our local expertise allows us to negotiate competitive rates tailored to specific client circumstances.
What areas do you cover for home insurance?
We primarily serve St Albans, Harpenden, Hatfield, Watford, and Welwyn Garden City. Our local knowledge ensures we understand specific property risks and insurance requirements in these areas.
Are you regulated by any official body?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under reference number 468604, ensuring we meet strict professional standards.
What specialist insurance options are available?
We offer high net worth cover for valuable items including fine art, jewellery, and classic vehicles. Our policies provide agreed value cover with no excess deductions for total loss claims.
How do you handle taxi insurance claims?
We work with approved repairers and provide 5-10 million public liability cover. Our Smart Witness technology helps protect taxi drivers against fraudulent claims while maintaining no claims bonuses.
