Cleddau Insurance Services
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Cleddau Insurance are one of the leading insurance brokers in Pembrokeshire and Carmarthenshire, offering expert, impartial advice on business, personal and farming insurance. Access to over 100 of the UK's leading insurance companies, specialising in business, farming and personal insurance, enabling us to find the right cover for your needs.

In an age where many policies are bought through online comparison sites, we can get you the right cover and save you money by understanding your exact requirements, offering Home Insurance, Car Insurance, Travel Insurance, Van Insurance and more.Our dedicated team understand the daily challenges of running a farming business. We have established strong relationships with specialist farming insurers in the last 25 years, that offer the most competitive premiums and an efficient claims service.

Whether you're a small, medium or large national business, getting insurance at the right price is important, however ensuring that you are covered through the right policy is paramount.

read more › Established in 1993, and set up by Eirian Page and Andrew North, Cleddau Insurance are proud to remain an owner managed business and are one of the leading insurance brokers in South West Wales. Our two branches in St Clears and Neyland comprise of a team of 17 vastly experienced staff, who provide independent advice on all types of insurance on personal or business purposes. Experience - We have seen many changes in the insurance industry over the last 25 years, we understand what customers require and the most efficient way of achieving their needs.

read more › We have seen many changes over the last 25 years in the personal insurance world, with the introduction of comparison websites allowing customers to arrange their own policies. This method acquiring insurance might work for some, and not for others due to the time constraints of getting the right cover at the most cost-effective price. Cleddau insurance are extremely experienced in this line of work, saving you time, making sure your covered for your needs and they also have exclusive access to some schemes that won't appear on comparison websites.

read more › The biggest advice we can give with our 25 years of dealing with Home Insurance is to make sure you are covered for your needs. With the variety of households in Pembrokeshire and Carmarthenshire, from listed buildings to townhouses, bungalows, smallholdings, etc. You should be cautious about what cover you need as different terms are required for different properties. We have a team of specialists in Home Insurance, saving you time, money and getting the right cover with exclusive deals that don't appear anywhere else in the region.

read more › We'll search multiple insurers to find you a competitive quote covering all eventualities. Considering there have been 1.28 billion vehicles miles travelled in Carmarthenshire in the last year and 0.71 billion in Pembrokeshire, having the right car insurance is vital. Our specialist Car insurance team will take the tedious time-consuming task of looking for affordable car insurance. That's why Cleddau Insurance offers to do all the legwork for you. While it is a legal requirement to be insured to drive on UK roads, it is up to you as to what level of cover to get.

read more › There has been significant growth in Van traffic in the UK whether it is vans for personal or commercial use. If you own a van that's for social, domestic or pleasure, Cleddau Insurance has a host of options making sure you are covered for your needs. Third party, fire and theft insurance covers for any damage you may cause other vehicles and people, as well as incidents including fire and theft. If you use your van for both circumstances, socially and for business purposes for example a builder, ice cream van, etc.

read more › Travel insurance can give you the peace of mind that you need whilst away travelling abroad on your holiday. As soon as you book your holiday, we strongly recommend you to buy travel insurance immediately, giving you cover to make sure that you and your family are protected before your trip starts. Cleddau Insurance have a host of competitive insurance policies designed to provide the best cover to a whole range of situations that can occur, such as lost luggage, cancellations, medical treatment, etc.

read more › Unoccupied insurance covers you when your home or business premise is empty for longer than your standard policy will allow. For example, you normally would only get cover if your home is empty for up to 30 days. Anything that happens outside this period will not be covered. Legal expenses - Any legal fees for situations such as removal of squatters, trespassers, or personal identity theft. Public liability - Any damage caused by your property, for example, roof tile falls and breaks on a car window.

read more › Caravan Insurance is not compulsory however we do recommend you having a policy. Most holiday parks generally require third party cover. Cleddau Insurance have always offered Caravan Insurance and would be more than happy to help get the right cover for your needs. Legally you don't need caravan insurance, however it will not be covered under your typical car insurance. In a situation where you have caused an accident and the caravan is damaged, this will not be covered. On the flip side and an accident was not your fault, the other driver's insurance would likely cover any damage to your caravan.

read more › For a young driver, car insurance can be very expensive and a daunting task, that's where Cleddau Insurance can help. We have been working for over 25 years with the largest UK insurers providing Young drivers the lowest price possible with advice and guidance on how to lower the premium, resulting in some great deals. By law you must have the bare minimum cover which would be Third party, therefore you would probably think it would be the cheapest option? Wrong! Depending on your circumstances, more often than not Comprehensive cover, which covers you for most instances, can actually work out cheaper than Third party.

read more › Unfortunately, when it comes to buying a new car, as soon as it leaves the showroom it starts to depreciate in value. For example, you may purchase a brand-new car for 10,000, after three years it could decrease its value as low 4,000! Meaning any damage or theft to your car could result in you only getting 4000 back! If this is a concern for you GAP insurance is certainly a strong option. GAP insurance is an additional form of insurance to go with your standard car insurance policy. The GAP insurance will cover the difference in value from when you bought your car to the circumstance when you might need a replacement due to an accident, fire, etc.

read more › What is a classic car? Did you know if your car is over 10 years old it can be considered as a classic car by some insurers? This may help you get a better deal on your insurance. If you're over the age of 25 and your car is over 10 years old, with mileage below average there would be a good selection of insurers that would give you a great deal on classic car insurance. Generally, classic car insurance is often cheaper than your standard car insurance, due to the likelihood of the vehicle being maintained well and the mileage is lower than your standard car.

read more › With staycation holidays rising each year in the UK it is very important that your holiday home is covered the right way, whether you rent it out to holiday makers or for your own personal use. Just like home insurance you have building insurance which covers the structure and fittings of the property, and contents insurance, which covers anything that is not fixed, such as sofa, furniture, tv, etc. Other elements to consider is getting the right cover for accidental damage from paying and no paying guests as well as periods when the property is empty.

read more › Being based in Pembrokeshire and Carmarthenshire we are fortunate to be so close to some of the most beautiful sea shores in the UK. Therefore, is an ideal area for anyone who owns a boat. Cleddau Insurance have a range of insurers and deals that are perfect for whatever boat you may have. Although boat insurance is not a legal requirement, however we would strongly recommend it due to any accidents that occur, which is very possible as the UK is seeing an increase in boat sales in the last 10 years.

read more › Whether you're a small independent business or a large national organisation, Cleddau Insurance have 25 years' experience helping businesses by recommending products that have a specific benefit to you. Throughout the whole of Pembrokeshire and Carmarthenshire we have helped a variety of businesses from a small takeaway business to a manufacturing company employing over 200 staff. Business insurance is a way to protect your business and the parties it interacts with from any financial risks. Whether you're self-employed, a small business or an organisation wit multiple offices, business insurance can provide you the support and protection in when facing compensation or legal action.

read more › The demand for holiday lets in South Wales is surging since the pandemic started. There has never been a better time to maximise the value of your holiday home investment by renting it out to paying guests. However, holiday let landlords are leaving themselves exposed by not having suitable holiday let insurance. It is essential that your property is sufficiently insured, to avoid circumstances that could ruin both your property and your guests' holiday. Holiday let insurance covers you and the property that you use to let out to paying guests, friends, and family on a short-term basis.

read more › If you own or run a restaurant, takeaway or caf you should understand the importance of having the right insurance cover. Cleddau Insurance have over 25 years' experience of saving money on your restaurant or takeaway business. Due to the nature of the business all restaurants and takeaways deal with the public all the time, therefore they have responsibility to get the right cover for any potential risks that may occur. For example, you could be held liable if a customer falls or trips in your restaurant, your freezer might breakdown and ruin all your stock or an accidental fire may mean you need to close.

read more › With over 25 years' knowledge and expertise in property insurance, Cleddau Insurance can cover a variety of landlord insurance for professional lets, student lets, holiday home rentals, DSS and unoccupied properties. Landlord insurance is important for anyone who rents out their property. Depending on the tenants, the area, the type of property, there are a few combinations of insurance options which landlords should consider such as loss of rental income, property owners' liability in case you are taken to court for any accidents that occurred in the property.

read more › For more than 25 years' Cleddau Insurance have provided Tradesman Insurance cover on products from public liability cover to bespoke construction cover for some of the largest construction firms in Pembrokeshire and Carmarthenshire. Tradesman insurance is a type of business insurance that provides cover for some of the risks involved working your trade. The most common tradesman this would apply to are builders, carpenters, plumbers, painters and decorators, landscapers, electricians to name a few.

read more › Cleddau Insurance specialise in insurance packages for country pubs, hotels, nightclub, taverns and bars across Pembrokeshire and Carmarthenshire. We have developed strong relationships with a number of insurers providing all our clients bespoke cover so you only pay for what you need. When you are a manager or owner of a hospitality-based business, such as Hotels and Pubs, there are many balls to juggle, insurance being a very important one. This is an area where you deal with the general public on a daily basis meaning there are many risks that could occur that would have a major impact on the business.

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