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These programmes are composites drawn from the kinds of work Butlington advisors do. They are illustrations of method, not a guarantee that an identical loss will be paid.
A household schedule separated buildings, contents, and alternative accommodation before the wet season. When wind opened the roof, the family already knew the excess, the drying steps, and which contractor notes to keep. Temporary housing was arranged against the stated limit, not negotiated from scratch.
Outcome: repairs tracked to a written scope, with photos at each stage.
A small delivery workshop insured three vans with named drivers and a courtesy-vehicle rule. One van was struck at a junction. The claims guide sent it to a repair partner, shared part lists, and kept the other two vehicles earning.
Outcome: downtime matched the interruption days the owner had budgeted.
A family compared two hospital lists before a planned procedure. The chosen plan named the facility, the daily room limit, and the specialist fee cap. Pre-authorisation was requested with the clinical notes the schedule asked for.
Outcome: the invoice matched the benefit table the family had highlighted.
Two travellers declared a managed condition and added cover for trekking before tickets were final. A clinic visit abroad was paid inside the medical limit, and the unused return nights were assessed under trip interruption, not guessed at the counter.
Outcome: a written split between paid costs and the traveller’s share.
A design studio insured equipment, public liability, and a 90-day interruption period. After a water leak from the floor above, stock and machines were listed against the schedule and client deadlines were covered only for the insured days.
Outcome: the team reopened with a documented equipment replacement list.
A couple matched term life and income protection to the years a home loan would remain. Beneficiaries were named, and the disability definition was read aloud in the meeting. The premium was accepted only after the exclusion for a disclosed hobby was written on the summary.
Outcome: a schedule the couple could explain without the advisor in the room.
None of them began with a claim. They began with a meeting that forced the awkward lines into the open: excesses, waiting periods, named people, and the costs the policy will never pay. When the event arrived, the paperwork was familiar.
If you want a programme shaped the same way, start with the quote form or write to the contact desk. Bring any schedule you already hold. We will tell you if the current wording is already enough.
