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Insuring Today's Diversity

The UK's award-winning insurance provider

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Emerald has launched the 50Fund – giving 5% of insurance premiums to grassroots women’s and LGBT+ organisations globally. Find out more...

HOME
INSURANCE

  • FREE home emergency and legal expenses
  • Cover for hate crime, social media defamation and discrimination
  • Call centre and claims handling staff specially trained in diversity
  • Optional cover for accidental and pet damage
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WEDDING
INSURANCE

  • Worldwide cover from £49**
  • For weddings, civil partnerships or conversions including receptions
  • Legal expenses cover against discrimination
  • Cancellation cover up to £100k
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TRAVEL
INSURANCE

  • £3,000 of cover from only £7.14***
  • Structured for single parents and diverse families
  • 24/7/365 global medical emergency cover
  • No need to declare HIV in most cases
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PET
INSURANCE

  • Four levels of cover up to £7,500
  • Monthly instalments at no extra charge
  • 10% multi-pet discount
  • Cover from £1.75 per week****
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AS SEEN IN

UNIQUE INSURANCE MADE FOR YOU

FOCUS ON INCLUSION

Tailored policies built for all

  • 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
  • Travel policy covers foster, adopted and surrogate children

SPECIALISED CUSTOMER SERVICE

Reflecting today's diversity

  • Call centre staff trained to make you feel comfortable, whoever you are
  • No need to come out to our call centre if you are LGBT
  • One of the first insurers to enable customers to identify as 'Mx'
  • Special travel policy pricing for single parent families

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 today's society
  • Our call centre and claims handling staff undergo Emerald-specific diversity training to meet the needs of ALL our 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

MORE THAN AN INSURER. AN ADVOCATE.

We're a trusted and passionate presence within the community. Our partners include:

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Travel

Life

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©2020 Emerald Life Limited. All rights reserved. This website contains information on the products and services of Emerald Life only unless otherwise stated. Emerald Life Limited is registered in the UK under number 07201151, registered address 286 Queensbridge Road, London E8 3NH.

Emerald Life Limited is an Appointed Representative of Commercial and General Limited, which is authorised and regulated by the Financial Conduct Authority and appears on the Financial Services Register under number 300001, registered address 17 Teddington Business Park, Station Road, Teddington, Middlesex, England, TW11 9BQ. Emerald Life Limited is an Introducer Appointed Representative of Sterling Client Services Limited, who is authorised and regulated by the Financial Conduct Authority and appears on the Financial Services Register under number 628324, registered address Norman Place, Reading, Berkshire, United Kingdom, RG1 8DA. FCA authorisation can be checked on the Financial Services Register at https://register.fca.org.uk/ or by calling them on 0800 111 6768.NOTE: where percentage discounts are offered on premiums, they do not apply to all components of Emerald’s home and travel policies and so discounts offered may not be exact but an approximation.