A health insurance quotation is easier to assess when you compare the cover, eligibility and price on the same basis. If Lycetts in Gateshead is on your list, this guide sets out what to check.
Publicly available details for Lycetts
Public business listings show Lycetts based at Bank House, Pilgrim St, Newcastle upon Tyne NE1 6QF, United Kingdom. At the time of writing it holds a Google rating of 3.7 out of 5 across 3 reviews. Read the reviews on Google directly and consider their date and number before drawing conclusions. Its website is lycetts.co.uk if you want to check its own wording first.
Reading public reviews in context
Public sources record a Google rating for Lycetts based on 3 reviews. Ratings can be useful context, but read the original reviews and their dates rather than treating a score alone as a recommendation.
Questions about insurer choice and service
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.
Compare more than the premium
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.
Before you choose a policy
A good broker will walk you through these without being asked. If they do not, ask anyway:
- 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
Questions about fees and remuneration
Broker remuneration and fees can vary. Before proceeding, ask for the broker's terms of business and read the disclosures that apply to the quotation you receive.
Choosing the service that suits you
If you live or work in Gateshead, use the firm's own documentation to understand its service. You can then decide whether an additional quotation would be useful for your circumstances.
Compare another quotation on the same basis
You can request a call from one selected FCA-authorised broker through the form on this page. It can discuss suitable policies available through its service; compare any options it provides with other quotes on the same basis.
There is value in asking the same questions of more than one service. Request a call from one selected FCA-authorised broker and compare the answers, policy documents and price on a like-for-like basis.
We do not make a recommendation about Lycetts or any insurance policy. Consider the policy documents and advice provided by an authorised firm before buying.