Schemes

Schemes are specialist insurance solutions designed around a specific group of customers, where they don't quite fit into the requirements of a standard product.

Schemes support niche sectors, bespoke products or distinctive customer needs, delivered in partnership between the broker and insurer.

At Intact Insurance, we work shoulder-to-shoulder with our broker partners to co-create and underwrite these schemes. It’s a true partnership – your expertise and client insight, backed by our promise of being dedicated to delegated and to thrive through connection.

We help build confidence in great service and empower brokers to grow.

We provide the framework and support to help you create and grow schemes that offer more value to your clients and more opportunity to you. It’s how we build for the long term.

Our portfolio spans a wide range of sectors, from niche customer needs to complex commercial specialisms.

Here are just a few of the areas where we’ve helped brokers turn smart ideas into successful schemes:

• Property and real estate: From landlords and residential property owners to blocks of flats and managing agents – including buildings with mixed occupancy or leasehold complexities.
• Motor trade: Supporting a range of schemes, from specialist traders and prestige vehicles, to lease companies, electric vehicles (EVs) and classic car arrangements.
• Trades, construction and engineering: We back brokers serving contractors, tool and plant hire, and engineering segments, with the flexibility to reflect how these businesses operate.
• Professional and financial services: From Directors and Officers (D&O) and crime to liability-based schemes, we work with brokers targeting niche financial or consultancy audiences.
• Marine and goods in transit: Including pleasure craft, marine trades, and goods-in-transit schemes – built with brokers who know the nuances of these specialist risks.
• Education and training providers: Backed by deep broker relationships, we support schemes for schools, nurseries, childminders and education-related bodies.
• Health and wellbeing: Covering everything from healthcare and cosmetic clinics to broader lifestyle and wellbeing sectors, such as dentists, chiropractors and homeopaths.
• Charities and membership organisations: Supporting a range of not-for-profits as well as other charity sectors.
• Commercial portfolios and miscellaneous: We also support more complex or blended commercial risks where traditional open-market approaches don’t fit.

A niche insurance scheme refers to a specialised insurance product tailored to meet the unique needs of a specific group or sector within the UK market.

They provide specialised coverage, addressing specific risks or needs that might not be covered under traditional insurance policies.

For example:

• Hobbyists
• Healthcare practitioners
• Charities
• Schools
• Funeral directors
• Caravan park owners

Although we're looking for 'niche', we're still passionate about supporting customers who may fall just outside.

If your customer's business doesn't target any specific group or sector in the UK, or the products are variants of products that are commonly offered in UK markets, that's OK. We may still consider it for an exclusive scheme, as long as it fits within one of the following sectors:

• Property owners
• Management protection
• Motor trade
• Blocks of flats

We get to know your business and your customers, so we can develop the right product for yours and their needs.

If growth has plateaued, let’s uncover what’s holding it back. Whether it’s market access, pricing, underwriting, or operational hurdles.

With our sector experience, deep trading relationships and data-driven insight, we’ll go back to basics and ensure your scheme is built on solid foundations from which to grow.

Our team will work with you to fully immerse themselves in your business, your market and with your customers. We'll listen, learn and work closely with you and your team to provide the tools, insight and support to empower you to grow.  

We focus on sustainable, profitable growth, not just top-line numbers. If you feel there’s untapped potential, we’ll support you with performance insights, capacity planning and wider market benchmarking to help drive value for both sides.

Great service should feel like a relationship, not a transaction. With Intact Insurance, you’ll have access to a dedicated team that knows your market, responds with urgency and delivers on promises – day in, day out.

We build strong, consistent touchpoints with our partners so you’re never left chasing support. From onboarding to day-to-day service, referrals and claims, we tailor what we do to match your business and your customers – not the other way around.

If your current experience feels distant or inconsistent, it might be time for a fresh start with a partner who actually feels like part of your team.

From day one, we provide clear data expectations, regular market intelligence (MI) packs and access to a relationship manager who understands your portfolio. It’s about giving you visibility and tools to make informed decisions.

If the energy’s dropped, the relationship feels distant, or your scheme’s simply moved on – let’s talk. Whether you need fresh thinking, closer collaboration or just a partner who shows up.

As one of our partners recently said:

“We went through a thorough tender process and the collaborative approach between ourselves and [Intact Insurance] has been impressive. Onboarding, developing, and launching a new product can be challenging with new partners, but [they] have handled this seamlessly and understood what we wanted to achieve.” – Mike Hudson, Managing Director, Q Underwriting.

We’ll take time to understand what’s working, what’s not and how to make your next move seamless.