The award-winning, inclusive insurance provider

Closing the gap between real people and financial services
Specially-trained call centre and claims handlers
Specific cover in the case of discrimination

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AS SEEN IN

HOME
INSURANCE

Contents cover up to £150,000
Cover from homophobic or hate crime
Optional legal expenses cover against discrimination

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TERM LIFE
INSURANCE

Cover from £10,000 to £250,000
Flexible policy period 1-10 years
Eight simple questions - get a quote in minutes

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WEDDING
INSURANCE

For weddings, civil partnerships or conversions
Legal expenses cover against discrimination
Cover for two bride or two groom outfits

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TRAVEL
INSURANCE

Confidential online medical screening including for HIV
Structured for single parents and diverse families
24/7 helpline with in-country support if detained / assaulted because of your sexuality

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PET
INSURANCE

Four levels of cover up to £7,500
Monthly payments at no extra charge
10% multi-pet discount

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UNIQUE INSURANCE
MADE FOR YOU

LGBT FOCUS

Tailored policies built for you

Secure and confidential process with specially trained staff
Legal expenses cover for discrimination claims
Cover for many medical conditions including HIV with no automatic premium hikes

SPECIALISED CUSTOMER SERVICE

Sensitive to LGBT needs

No assumptions made as to gender or sexuality
No need to come out to our call centre
One of the first insurers to enable customers to identify as 'Mx'

INSURANCE THAT MEETS YOUR NEEDS

Emerald exists because of the disappointing experiences that many of us have had when buying insurance

We have removed discriminatory terms in our policies; terms that still exist with other insurers
We have added in features that reflect the diversity of the modern LGBT community
Our call centre and claims handling staff undergo Emerald-specific training on the needs of LGBT customers

Read our story

AN EQUAL EXPERIENCE

Insurance brokers just haven't kept up. There's a lack of understanding on the reality about being HIV+ and the medication available today.

Paul Fleming

Fundraising & Communications Director

It was very quick and easy to get my cover and very cost competitive too. Even though we aren't LGBT we like the important work they are doing to end discrimination.

Rebecca Hooper

Senior Environment and Energy Adviser

I’m very excited about a gay friendly insurer that will understand the needs of its customer base and target audience.

Matt Cain

Novelist / Writer / Journalist

THE STATS

39%

Of LGBT community members would change call centre language so the opposite sex of partners is not presumed *

68%

Of LGBT customers feel that their financial services provider is not taking serious steps to understand them **

79%

Of LGBT community members would change the way insurance companies treat their community *

Emerald Life offers insurance that specifically focuses on the needs of the gay and lesbian community.

* Emerald Life & YouGov ** Nationwide Building Society

YOU'LL REALLY LIKE US

Daniel Clayton

I've just bought home insurance from Emerald, very easy to use website and it's great that you can add legal cover too! It's about time we saw financial services companies reaching out to LGBT customers.

Tracy Hague

Emerald's website was easy to navigate, the policy was very clear and it took minutes to complete the transaction. In comparison to other products on the market it is good value for money.

Matt Cain

I’m very excited about a gay friendly insurer that will understand the needs of its customer base and target audience.