A health insurance quotation is easier to assess when you compare the cover, eligibility and price on the same basis. If Howard Insurance Services Ltd in South Shields is on your list, this guide sets out what to check.
Publicly available details for Howard Insurance Services Ltd
Public business listings show Howard Insurance Services Ltd based at Cobalt Business Exchange, Cobalt Park Way, Wallsend NE28 9NZ, United Kingdom. At the time of writing it holds a Google rating of 5.0 out of 5 across 2 reviews. Read the reviews on Google directly and consider their date and number before drawing conclusions. Its website is howardinsurance.co.uk if you want to check its own wording first.
Reading public reviews in context
Public sources record a Google rating for Howard Insurance Services Ltd based on 2 reviews. Ratings can be useful context, but read the original reviews and their dates rather than treating a score alone as a recommendation.
Check the policy details side by side
A lower premium does not by itself show whether a policy meets your needs. Check the hospital list, outpatient and diagnostic limits, underwriting terms, and any excess and compare quotations on the same level of cover.
Ask how the quotation was selected
A broker should be able to explain how it selected the policy it presents. Get that explanation in writing, then compare the cover and price with any alternative quotation on the same assumptions.
Your next steps
Howard Insurance Services Ltd is listed as a health insurance option for buyers in South Shields. Local and national brokers can offer different services, so read their terms and compare any quotations on a like-for-like basis.
A practical quote checklist
Whichever broker you use, including Howard Insurance Services Ltd, make sure you get clear answers on:
- the hospital list and any regional restrictions
- outpatient and diagnostic limits
- whether pre-existing conditions are covered or excluded
- the excess and how it applies per claim or per year
Understand fees and broker remuneration
Ask any broker how it is paid and whether it charges fees. The answer should be set out in its client documentation, alongside the service it provides and any relevant disclosure about remuneration.
Ready to explore another option?
The form lets you request contact from one selected FCA-authorised broker. It will explain its service and discuss suitable policies available through it. There is no obligation to buy.
Want another point of reference before deciding? Request a call from one selected FCA-authorised broker, then compare any quotation it provides with the cover and terms you are already considering.
This page is not a rating of Howard Insurance Services Ltd. It is general information based on public business details and a checklist for reviewing insurance quotations.