There is a better way to review your business insurances…

  one no one talks about,

and for good reason…

because it only works when you keep really really quiet about it

or Call 0844 967 0703

Businesses all over the UK are making the same mistake

Businesses large and small across the UK are making the same fundamental mistake when it comes to reviewing their insurances.

A mistake which is costing them both potential savings and better coverage.

And usually because they don’t fully understand how the market works.

“The traditional insurance review simply does not work as well as it should.

You have Insurers that won’t quote,

Brokers that all come back with the same price,

Endless blame-tales about how someone got there first and the market is now blocked;

It feels like minimal improvements for maximum effort.”

Kevin Carrabine

Managing Director, Confidential Solutions

“Most businesses simply don’t know how the Insurance Market works, after all, that’s what they pay their broker for.” Chris Devine

Director, Confidential Solutions

Our mission is to help UK businesses get the best out of their insurance review, using a unique method that keeps your business off the insurers blacklist, your coverage superb, and your premiums low.

If you want to learn the truth behind the UK insurance market, and are ready to try something new. Try a real Confidential Review.

For real business results

What’s Wrong with the Traditional Tender Process?

The structure of the insurance market makes getting the best result for your business via an open-market tender very difficult.

Even when all the signs tell you that you have the best deal in the market, in reality, the tender process has likely prevented you from achieving what could be a substantial saving or improvement in cover.

Here are a quick few reasons why:

You have your expectations, and just as you would expect, insurers have their own targets to hit too.

And so…

Insurers grade brokers.

The in-demand underwriters work with the more profitable brokers (they haven’t got the time not to), and brokers that have a poor sales history are bumped down the pecking order.

Using the traditional open market review process, it is very difficult for a broker to maintain excellent relationships, and more importantly – an excellent reputation, with more than say a half dozen underwriters.

A problem if your business risk would get a better result elsewhere.

Ironically, this is the main reason why businesses review their insurance with other brokers in the first place. And too often, it simply makes the problem worse.


A traditional tender is likely to lead to underwriters losing interest in winning your business because they do not believe they have a real chance to do so.

Reasons for this include:

  1. There are too many insurers involved in the tender
  2. There are too many brokers involved in the tender
  3. They have no price to work towards

Plus they may have lots of alternative quotation requests which take priority because of 1, 2 and 3.

It cannot be stated as fact, but, it is our fundamental belief (and one critical to The Confidential Review process) that hundreds of opportunities are lost each month because underwriters ‘lose interest’ in providing a quotation.

The Confidential Review guarantees the underwriter’s interest in your business.


When an insurance company is approached by a broker for a quotation they will ‘log’ this interest on their system.

This can lead to all sorts of scenarios that are detrimental to your business interests.

For more, see this example of a typical tender process between the insured, broker, underwriter, and insurer.

In an open-market tender, competing brokers will reach out to all their partner insurers with a request for quotation. If the business has already been quoted on for another broker, and the proposal is more or less the same, then the insurer is obliged to come back with the same price.

When the prices obtained by competing brokers are all very similar, this can lead to a ‘Dutch auction’ style frenzy with each broker lowering their price, either by reducing their fee or in giving up commission.

And it is more common than you think for insurance brokers to work at a large loss simply to secure or retain business.

While this may seem like a good result for the business in the short term, the long term effects of the broker bun fight can have negative implications for your business.

This can all be avoided up front by securing a quotation below market rate with The Confidential Review.

Introducing The Confidential Review

“Our entire business model is built to support The Confidential Review, and this is why it is so difficult for our competitors to match our results.

To truly experience the benefits and at zero risk, I suggest that you simply give it a go.”

Kevin Carrabine

Managing Director, Confidential Solutions Ltd

Most businesses tender for insurance just as they would any other service.

However the structure of the insurance market makes getting the best result for your business this way very difficult.

The Confidential Review is a proven process that avoids all the pitfalls of a traditional insurance tender.

But because it is radically different to many standard models, it can seem a little odd at first.

We suggest you take a look at both the reasons why the traditional insurance review is bad news for your business, as well as the high-level overview of The Confidential Review process that we have included below.

Also, the results speak for themselves on our case studies page.


How does The Confidential Review Process work?

The Confidential Review is formed of 6 steps. These are…

1. The Confidential Meeting

…where we fully explain the process and the reasons for the necessary confidentiality.

To protect our joint position in the market, we cannot proceed beyond this stage unless absolute confidentiality has been agreed to.

2. Agree an Objective Price Saving

Working with an expert you put forward an Objective Price Saving.

This is based on your business goals, and what we believe a suitable insurer may be willing to work towards.

3. Select ONE Insurer per Class of Insurance

And obtain the objective price saving or better

4. Wait for Terms from Current Broker

It is important that your current broker exits the market before we move to the next step.

5. Request Contract-Certain Quotation

Up until now, everything has been off the books.

This is where the underwriter holds up their end of the bargain and provides the agreed pricing and terms.

Your business enters the insurer’s system for the first time that year.

6. Appoint Confidential Solutions as Your Broker

Assuming that the Objective Price Saving has been obtained, and this remains an improvement on your current broker’s offering, we’d look to become your appointed broker.

All you have to do is give the go-ahead. We’ll handle the admin work with the insurers for you.

What happens next?

Mid-Term Reviews

Up to quarterly reviews should you desire them, plus assistance from your account manager whenever you need it.

Renewal Terms Presented Well in Advance

This gives you the time to make an informed decision.

Renew & Repeat

for as long as we represent the best value to your business

What The Confidential Review Really Means for You


Get the Saving You Set

Have an underwriter work to your agenda, and be confident that you got better than the ‘market rate’ of a traditional review.

Future Proof Great Results

Ensure long-term interest in your business from the top insurers for your business needs.

No Last-Minute Panic

Close working relationships mean cover issues are sorted fast, and well in advance of renewal.

Claims Get Paid*

The Confidential Review process will ensure that your cover is accurate.

And the underwriter is already on your side.

The RIGHT Insurer for YOUR Business

Yes, The Confidential Review gives you access to all the major global insurers, UK insurers, and the Lloyds Market.

But crucially, it won’t try to access these all at once.

Time to Relax

That’s if you’re not too busy doing other things.

Either way, you will rest assured that you have excellent cover. And no doubt the business will find somewhere to spend those savings!

Book the Confidential Insurance Review

Ready to do it differently this year?

*Important Information:


The Insurance Act 2015 contains new measures which we need to bring to your attention as a Business Insured (i.e. an insured buying insurance wholly or mainly for purpose related to their business).

You have a duty to disclose every material circumstance you know or ought to know, after reasonable search. This applies before the cover is placed, when renewed and if altered at any time during duration of the Policy. A circumstance is material if it would influence an Insurer’s decision whether to accept the risk, including its terms and pricing.

If you are in any doubt whether a circumstance is material to the risk, it should be disclosed, as failure to disclose may entitle your Insurer to either void the Policy from inception or impose different terms.  Any claims made would either not be paid or may be reduced in value.

Where there are Warranties, Conditions Precedent or any onerous conditions applicable to your insurance policy, failure to meet such conditions could invalidate the cover (and hence any claims would be paid), or suspend cover until such warranty etc., is remedied (and any claims during the suspension period may not be paid).