all the insurances you need - and all straight to the point www.starlimited.co.uk
contents It was nice to make such a big saving and in just one phone call. ST&R cut my home insurance costs by a third. VW, Hampshire 1 3 5 Real Peace-of-Mind A Better Service Our Insurance Vault The advice I ve received from ST&R over the years has been outstanding both in terms of personal insurance and cover for my business. 7 9 11 13 Your Mortgage Point Life Cover Income Protection Business Protection Discover the ST&R service for yourself today. Simply call 01772 280 718: JO, Lancashire 15 Our People for New Sales select option 1 17 Frequently Asked Questions for Customer Services select option 2 19 Discover ST&R for Claims Help and Support select option 3
You want great insurance and real peace-of-mind? LET'S GET STRAIGHT TO THE POINT One stop for all your insurance needs. Gadget, Home, Health, Life, Travel, Pet, Car, Business and more we ve got it all covered. Automatic insurance renewal reminders. Never miss a renewal date again when you download our free app or via your vault account online. Just imagine dealing with an insurance broker that really does take care of everything. A broker that not only works harder to find the most competitive insurance products to meet your needs, but also provides free 24/7 access to Our Insurance Vault a safer place to store all your insurance policies online. A broker that understands that you want quick, honest, expert and jargon-free insurance advice rather than spending hours on the phone or trawling through price comparison websites. Established in 2012, to offer a new standard in the world of insurance, that broker is ST&R. Wide range of insurance providers. Totally independent, we ll search out the most competitive, best quality insurance products to suit your needs. Multi-insurance savings. Enjoy additional savings when you take out more than one policy with us. Free, safe online storage. Keep all your insurance policies safe in one place through Our Insurance Vault. Unique SOS (Serious On Savings) insurance app. Simply send us a snap of your policy for a rapid, hasslefree comparison quote. Business and landlord insurances. See how we can provide the specialist cover you need for less. We deal directly with insurers and underwriters. Get a prompt decision, even if you ve been refused cover elsewhere. First-class customer care, advice and claims support. Our highly trained team of insurance ST&R s is only a phone call away. A broker that automatically notifies you when it s renewal time then completes a wide range of searches without any obligation, all to make sure you re getting the very best cover. Read on to discover how getting the best value cover you need has never been easier. 1 2
everything we do points to a better service - OUR GOAL IS TO BE YOUR TRUSTED, ONE-STOP INSURANCE PROVIDER Over 50 s Insurance Health Insurance Landlord Insurance Non-Standard Life Insurance Life Insurance Income Protection Within the first two years of operating, more than 20,000 individuals, landlords and businesses discovered that we offer a much simpler way to find the quality insurance products they need. Totally independent, our wide range of product searches means we are almost always able to offer greater choice and value. Our simple, straightforward application processes mean that in most cases cover can be arranged during your call. And because we do all the hard work, you can forget having to compare the market online or spending hours on the phone gathering quotes. Perhaps most importantly, dealing with ST&R ensures you gain the peace-of-mind in knowing that you will be protected by quality insurance products each carefully matched to your requirements. Factor in our multi-policy discounts (where your various insurance products don t have to be from the same insurer) and it s easy to see how making us your broker really does pay. Home Insurance Business Protection Critical Illness Travel Insurance Pet Insurance Gadget Insurance Decisions in Principle (DIPS) & Mortgages 3 4
Our Insurance Vault - the safe, free place for all your insurance documents At ST&R we simply use our expertise to help our customers enjoy better value, better quality insurance products. Extremely helpful and saved me 144! As my home has a flat roof, getting competitive insurance cover hasn t always been easy. So when ST&R said they d be able to reduce the cost of my buildings and contents insurance, I was naturally dubious. ST&R were true to their word and came back with an option that was not only as good as my previous cover but saved me 144 a year. My ST&R advisor was friendly, helpful and really knew his stuff. He wasn t at all pushy. The whole process was trouble-free and he genuinely wanted to help. Through our sister company Our Insurance Vault, we offer free online storage for all your insurance records and not just the policies that are arranged through us. Safe, secure and totally confidential, you can upload and access all your policies and even compare insurance deals in just a few clicks. What s more, the benefits don t end there. Our Insurance Vault will send you reminders at renewal time. Plus you ll receive better deals on expiring policies from your very own ST&R consultant. Safely store all your ST&R insurance policies in our secure online vault. Upload all your other insurance documents to your own personalised vault free of charge. Always know exactly where your policy documents are whenever you need them. Accident away from home? Access your policy documents immediately. Protect your documents even if paper copies are lost or destroyed. Receive personalised alerts from us at renewal time. 24 Hour Access. The Your Vault app is the first insurance app of its kind, giving easy, instant access to Our Insurance Vault from your smartphone or tablet. Thanks to the app s built-in SOS (Serious On Savings) service, we can even send you competitive comparison quotes. All we need is a picture of your insurance policy! Download the Your Vault app free from the App Store. NC, Hampshire 5 6
your mortgage point ensuring your home financials are always on point We make the mortgage process as quick and easy as professionally possible. Whether you are a first time buyer, looking at a New Build home, re-mortgaging an existing property or considering a Buy To Let, the first thing you need is a Decision in Principle (DIP) to see if you are eligible for the loan. We have helped people who are buying ex-council houses, flats, high rise and those who may have been denied mortgages previously. That s because we consider your individual circumstances, not just your credit profile. All income types covering employed, self-employed, temporary/zero-hour contracts, DWP benefits, or pension. Impaired Credit History catering for small or life events and Debt Management Plans can be considered too. CCJs and Defaults accepted (even in the last 12 months). We can provide a Decision for 249 or a Lifetime decision option for 999, which allows you to get a decision for any future re-mortgage s or purchase s for a residential or BTL property. Therefore allowing you to complete a purchase or re-mortgage without any charge from us again! Either option allows you a full mortgage and protection review. What s more, when you get the keys to your new home or the re-mortgage is completed, we could send you 250 of high street vouchers T s & C s apply. Terms and Conditions* 250 of high street vouchers will be offered to you if we look after all of your mortgage and protection policies. 7 8
life, critical and serious illness cover Outstanding personal and business insurance advice. The advice I ve received from ST&R over the years has been outstanding, in terms of both personal insurance and cover for my business. They have arranged my life insurance, provided critical illness cover for my family, insured our cars and taken care of my buildings and contents cover. Their considerable knowledge regarding tax matters has also been incredibly helpful. It was only when I was diagnosed with a particularly rare form of cancer a few years ago and needed quite specific insurance advice that I realised just how committed they are to providing first-class customer service. ST&R is a fantastic company. I recommend them without hesitation. Life Insurance ST&R is a market leader in setting up Life Insurance policies. Such policies are designed to pay out a tax-free cash lump sum in the event of you being diagnosed with a Terminal Illness or in the event of your death. At inception, you choose the amount of cover you want and for how long you want it, with the aim of providing financial stability to your family. Critical Illness ST&R is also a market leader in setting up Critical Illness Insurance policies. A Critical Illness policy is designed to pay out a tax-free cash lump sum in the event of you meeting a medical condition as defined by your chosen insurance provider. Serious Illness ST&R has the expertise to set up a policy for you that will pay out a tax-free cash lump sum in the event of you meeting a defined medical condition. Unlike a Critical Illness policy, a Serious Illness policy pays out a proportionate amount depending on the severity of your condition. In the event that your condition gradually deteriorates, the pay-out you can receive increases. ST&R provides a wide range of insurance products for our business including relevant life cover, key person insurance, shareholder protection and our death in service scheme. JO, Lancashire - GI, Preston 9 10
your income, protected - afford to live when you re unable to work Are you risking your income? Take a look at some of the figures we have taken from the Drewberry Insurance Protection Survery 2015. 7% 20% have had an Income Protection policy have had to take 3 months or more off work due to sickness or injury 36% 58% have had to take a month or longer off work due to sickness or injury receive 3 months or less sick pay from their employer The misconception with Income Protection is that it is only really needed if you are self-employed. In reality the risk of falling unwell or sustaining an injury that prevents you from working, is one which affects any employed person. Statutory Sick Pay (SSP) in the UK was set at 88.45 per week at the end of 2016. If you re employed, this is paid by your employer for up to 28 weeks (6 and a half months) but not all employers pay it for that long, or at all. Plus, it only equates to 2,476.60. If you are self-employed, this cannot be paid by your clients. Income Protection is designed to provide you with a replacement salary during your recovery period to allow you to afford to live, pay household bills and mortgage payments, and can be as affordable as 5 per month. www.starlimited.co.uk 24% receive no sick pay at all 29% have less than one month s income in savings 55% only have up to 3 months income in savings We are offering an exclusive 10% off income protection policies for existing customers and family members. APPLY NOW 11 12
business insurance - MAKING THE WELFARE OF YOUR BUSINESS OUR BUSINESS Key person cover and continuity planning Shareholder protection policies Wealth management Tax-efficient relevant life planning Succession strategies and planning True insurance experts, James and his team are very thorough in everything they do for us and exceptionally professional. We first began working with ST&R when they appointed us as their accountants about four years ago. They are experts in a number of areas and, thanks to their close links with underwriters, can often arrange cover where it has previously been refused particularly where health matters are involved. We like their philosophy. They do a sterling job for us. We know from experience just how much hard work goes into establishing, building and growing a successful business. That s why we believe we re uniquely placed to help protect the future of the business you ve worked so hard to build. Through a no-obligation business health check, carried out by one of our Business Protection Specialists, we ll aim to identify all the potential issues that could impact your business and provide a range of affordable options. At ST&R we can set up a Relevant Life Plan to provide cover for your outstanding mortgages, car finance and any other debts. It can even be in place if you just want to leave something extra behind for your children. This means that should something happen, you will always have the peace-of-mind that you and your family will remain financially secure. If you currently have personal life insurance, or life and critical illness cover, that is not set up as a Relevant Life Plan, speak to us today and let us save you money! At ST&R we believe it s time to put life cover on expenses! A Relevant Life Plan is a very costeffective way of providing personal life cover, or life and critical illness cover, to anyone in your company - including director/shareholders. The rules allow for personal life insurance to be run through your business. With corporation tax relief available and no additional income tax or NI to pay, it is incredibly tax efficient - you can save up to 49% when compared to a standard plan! Our health check will establish if: Your company is protected from financial losses should you or a key person die, or be diagnosed with a terminal or critical illness. Your company has the funds to repay all loans, corporate debts and director s loans if one of the shareholders dies or suffers a critical illness. Your company has the funds and supporting legal framework to purchase the shares from a shareholder if they are diagnosed with a critical illness and wish to resign. GI, Preston 13 14
THE people behind our ST&R SERVICE Steve Lomas Group Chief Operating Officer James Slater Group Chief Executive Officer ST&R is the brainchild of James Slater. James has spent more than 20 years working in the Financial Services sector. Always believing there was a much better way to provide insurance products, he created ST&R in 2012. James also set up Our Insurance Vault and ST&R s fully accredited NVQ training academy where the insurance ST&R s of tomorrow are taught. James says I established Our Insurance Vault because I wanted to create a safe place for our customers to store their insurance policies with the benefit of 24/7 access and to make getting the best deal at renewal time extremely simple and straightforward. Natasha Slater Group Chief Financial Officer Group Co-founder Natasha shares James s passion for offering outstanding products, value and customer service. She takes care of all financial aspects of the group businesses, and assists with their smooth day-to-day running. Everything we do is for the benefit of our customers, she says. When you have family-run and owned businesses, it s extremely important to provide a firstclass service and recognise the considerable responsibility of helping people select the most suitable insurance products. Steve worked with James for many years before helping him build ST&R, Our Insurance Vault and ST&R s training academy. Steve s focus is centred on the quality of advice given to customers. I like to save customers money, but not at the cost of cover, he says. Steve is also passionate about the ST&R Academy and the career opportunities it provides locally. We have always believed that our best people are our homegrown talent, he adds. Sarah Griffiths Sales Director Just like Steve, Sarah has been with ST&R since the outset and brings real stability and knowledge to the business. Calling on her many years of providing expert insurance advice, Sarah knows exactly what customers are looking for and how to provide it. Sarah s goal is to make sure all ST&R employees meet the high expectations set by James. Sarah says James expects the highest standards and supports us all in ensuring they are met. Training tomorrow s ST&R s We run our own training academy for apprentices and new recruits. In short, it s your guarantee that whenever you call us now or in the future you ll speak to a highly experienced advisor. 15 16
frequently asked questions - get ready to enjoy the st&r service Choose ST&R for your insurance needs and you ll receive first-class service from day one. We re renowned for looking after our customers and want you to know that we ll never be more than a phone call away. If you have any questions about your ST&R policies, please don t hesitate to get in touch. In the meantime, here are just a few of the questions that are often asked by our customers How will I receive my insurance documents? When you take out a new policy with us, we ll aim to issue your documents in as little as 48 hours. Your policy documents will be safely stored online in your personal vault account and we ll email details of how to access them. It really is very simple. If you d prefer to receive your documents by post, they will normally be with you within 3 working days. Our Insurance Vault looks really useful. Is it free? Yes, this service is completely free. Every time we issue insurance documents to you, we will upload them into your personal vault account for you to review and download whenever you need them. You can also upload insurance documents from other insurance companies to the vault for safekeeping. How do I contact your Service Team? Whatever the question or query, simply call 01772 280 718 to speak to a member of our highly trained Service Team. If your query is about an existing ST&R policy, please have the policy number to hand. I want to amend a policy. What should I do? Just call our Service Team on 01772 280 718. In most cases, they will be able to make any changes right away, to ensure that you continue to enjoy complete peace-of-mind from a policy that fully meets your needs. How do I make a claim? Most important of all, don t panic. If possible, have your policy details to hand or access them via Our Insurance Vault then give us a call as soon as possible on 01772 280 718. We aim to help settle all claims quickly even in the most complex of cases. How can I make sure I never miss a renewal? We ll always contact you in good time before a renewal is due. Download the Your Vault app and we ll even send reminders direct to your phone. What is a Trust and do I need one? A Trust is a legal arrangement that allows you to gift the proceeds of your life policy to another person or persons. Unlike a Will, it cannot be contested. When you take out life insurance, it s important to also think about setting up a Trust. Putting your policy In Trust puts you in control of who will benefit from your policy and how much they will receive. A Trust helps ensure faster payment to your beneficiaries and that no inheritance tax liability occurs. How do I set up a Trust? We offer a free, dedicated Trust service and can help you throughout the process of arranging for your life policy to be written into Trust. We have our own in-house accountant and work in partnership with a firm of solicitors. For a guide on how to set up a Trust yourself, download our Trust Form at www.starlimited.co.uk Will I receive a discount for having more than one policy with you? At ST&R we believe in rewarding loyalty. That s why we offer generous multi-product discounts. To benefit, you ll simply need to take out one of our protection products such as life insurance. You will then be entitled to savings off all of our general insurance products. Can I cancel my life cover at any time? Of course. If at any time you decide that you no longer require your life cover or feel that it no longer meets your needs, you can cancel it free-of-charge. If your needs have changed, however, please let us know so that we can look at more suitable options. Call us on 01772 280 718 to find out more. 17 18
Isn't it time you discovered our ST&R service? Thank you for taking the time to read our brochure. We hope that we have shown how we do things just that little bit differently all to bring you better quality insurance products, great service and exceptional value for money. Discover the ST&R service for yourself today. Simply call 01772 280 718: for New Sales select option 1 for our Customer Services select option 2 for Claims Help and Support select option 3 Whatever your insurance requirements, choosing ST&R means access to some of the very best known names, all without having to shop around. Our close relationship with many leading underwriters also means you ll find we can often arrange cover even if you have previously been turned down for health or other reasons. We are directly authorised by the Financial Conduct Authority to advise on all protection and general insurance products. In short, we are the one-stop shop for all your insurance needs. Specially chosen points of interest for you... 19 20
access your policies day or night Download the Your Vault app for free from the App Store. All the insurances you need - and all straight to the point Service Team 01772 280 718 info@starlimited.co.uk ST&R Limited is regulated by the Finance Conduct Authority (FCA No. 591815) Copyright ST&R Limited. 21