About Us

Independent Household Insurance Services is a trading name of The Smith & Pinching Group Ltd

At Independent Household Insurance we are constantly showing people what savings there are to be had by doing a thorough market search on their behalf. Premiums charged by different insurers vary quite dramatically. It often comes as quite a surprise to people to see how much they could have saved themselves over the years if they had moved their insurance to a different insurer earlier. Savings do differ from just twenty pounds to several hundred pounds in some cases.

Concerning banks and building societies, please do not think that because they arranged your insurance cover at the same time that you bought your house that you are stuck with insuring with them forever. It is a known fact that, whilst such organisations might be good at arranging mortgages, their insurance schemes, more often than not, are not that competitively priced. It is such independent organisations as ourselves that show people what money can be saved by just taking that little bit of extra care and time to check around.

With everything being done 'in-house', from underwriting decisions to policy issue, we are in a position to give our clients a level of personal service that we defy anyone to better. Clients are encouraged to build up personal relationships with our staff and can ask to speak to an individual member of staff at any time.

We believe that, in a world of computers and e-commerce, one should not forget that people, at the end of the day, still like to deal with people. Technology should be used to better the service given and not take away the person-to-person contact and subsequent relationship which matters in such a complex and important subject as insurance. Our clients know that at any time they can ring our office, get through to the person they want, without undue delay (no complicated phone system), and talk for as long as they like about sorting out their particular query to ensure that their cover meets their exact requirements. Our line of thought is quite simple; to provide such a good service that you are going to recommend us to your friends and relatives.

It is with the above in mind that we invite you to try out our service by completing an enquiry form and submitting it accordingly. One of our staff will then shortly be in contact to provide you with your requested quotation and to answer any questions you might have.

Addendum
Within a matter of just a few years our clients now number several tens of thousands. Our renewal retention (those people who continue to insure through us) is over 94%. We mention this because somewhere, someone must be happy with what we are doing.