1. Clockwork Mortgages
City/Town: Galashiels
Postal Code: TD1 1BA
Street Address: 18 Channel St
Country: Scotland
2. Peter Gow – Authorised Utility Warehouse (UW) Partner
City/Town: Inverness
Postal Code: IV3 8PP
Street Address: 42 Nevis Park
Country: Scotland
3. Clockwork Mortgages
City/Town: Hawick
Postal Code: TD9 9EH
Street Address: 30 High St
Country: Scotland
4. SGM Kitchens
City/Town: Aberdeen
Postal Code: AB16 5LU
Street Address: 38 Blackthorn Crescent
Country: Scotland
5. Connect Financial Services
City/Town: Glasgow
Postal Code: G61 4HD
Street Address: 42 Westbourne Crescent
Country: Scotland
6. PPC Help
City/Town: Glasgow
Postal Code: G2 6PH
Street Address: 94 Hope St
Country: Scotland
7. Anchor Health Solutions
City/Town: Aberdeen
Postal Code: AB10 1NP
Street Address: 40 Union Terrace
Country: Scotland
8. Emergency Repair
City/Town: Edinburgh
Postal Code: EH10 6AF
Street Address: 1a-3 Comiston Place
Country: Scotland
9. Drone Scotland
City/Town: Glasgow
Postal Code: G71 7JF
Street Address: 38 St. John’s Boulevard
Country: Scotland
10. Masonry King
City/Town: Shotts
Postal Code: ML7 5LG
Street Address: 17 Lochaber Crescent
Country: Scotland
11. JJK Roofing
City/Town: Lanark
Postal Code: ML11 9QB
Street Address: 201 Greenrig Rd Hawksland
Country: Scotland
12. Arborist Direct Aberdeen
City/Town: Aberdeen
Postal Code: AB10 7BR
Street Address: 21 Craigievar Place
Country: Scotland
13. Trigger Electrical Solutions Ltd
City/Town: Glasgow
Postal Code: G40 4QY
Street Address: 5/2, 1, Auckland Wynd
Country: Scotland
14. Prestige Mortgage Solutions Ltd
City/Town: Glasgow
Postal Code: G74 1QT
Street Address: 60 Reay Avenue
Country: Scotland
15. Cabshield Taxi Insurance
City/Town: Dundee
Postal Code: DD3 7RJ
Street Address: 2 Strathmartine Rd
Country: Scotland
16. Visual Pursuit – Survey, Inspect, Film
City/Town: Glasgow
Postal Code: G69 0NL
Street Address: 121 Glenview Crescent
Country: Scotland
17. Successful Learning Solutions
City/Town: Edinburgh
Postal Code: EH10 4SH
Street Address: 5 Woodburn Terrace
Country: Scotland
18. All Mortgage Solutions
City/Town: Fort William
Postal Code: PH33 6BH
Street Address: Cloysta Cottage Victoria Rd
Country: Scotland
19. Speech Bubble Languages
City/Town: Glasgow
Postal Code: G74 5QD
Street Address: Within The Luna Centre, St. James Avenue
Country: Scotland
20. Leggatts Accountants Ltd
City/Town: Dingwall
Postal Code: IV15 9RT
Street Address: Kempfield Court
Country: Scotland
21. The Underground Garage
City/Town: Aberdeen
Postal Code: AB10 1NP
Street Address: 40 Union Terrace
Country: Scotland
22. Camy’s Car Care Ltd
City/Town: Elgin
Postal Code: IV30 6JL
Street Address: 24 Linkwood Crescent
Country: Scotland
23. Smart Security Services
City/Town: Glasgow
Postal Code: G3 7QL
Street Address: 20-23 Woodside Place
Country: Scotland
24. K M Woods Physiotherapy Ltd
City/Town: Glasgow
Postal Code: G3 7SL
Street Address: 15 Royal Crescent
Country: Scotland
25. Legionellariskandpat.com
City/Town: Aberdeen
Postal Code: AB10 1TX
Street Address: 5 Rose Street
Country: Scotland
26. Clockwork Mortgages
City/Town: Dundee
Postal Code: DD1 3EJ
Street Address: 32 Commercial Street
Country: Scotland
27. My Mortgage Solutions
City/Town: Airdrie
Postal Code: ML6 0AH
Street Address: 56 Stirling Street
Country: Scotland
28. Tay Letting
City/Town: Glasgow
Postal Code: G4 9XA
Street Address: 8 Eagle Street
Country: Scotland
29. Aspire Financial Services
City/Town: Aberdeen
Postal Code: AB25 2YH
Street Address: 123 Rosemount Place
Country: Scotland
30. Clyde Property
City/Town: Glasgow
Postal Code: G12 8TT
Street Address: 145 Byres Road
Country: Scotland
31. Mortgage Advice Bureau
City/Town: Edinburgh
Postal Code: EH2 4LH
Street Address: 110 George Street
Country: Scotland
32. Easy Financial Solutions
City/Town: Cupar
Postal Code: KY15 4BU
Street Address: 25 Bonnygate
Country: Scotland
33. RSB Insurance Brokers
City/Town: Aberdeen
Postal Code: AB10 1TE
Street Address: 99 Union Street
Country: Scotland
34. Granite Mortgages
City/Town: Aberdeen
Postal Code: AB10 1JS
Street Address: 27 Belmont Street
Country: Scotland
35. Murray & Currie
City/Town: Edinburgh
Postal Code: EH2 3NS
Street Address: 60 Queen Street
Country: Scotland
36. Alan Steel Asset Management
City/Town: Edinburgh
Postal Code: EH3 7TT
Street Address: 11-13 Randolph Crescent
Country: Scotland
37. The Mortgage Hub
City/Town: Glasgow
Postal Code: G1 3AB
Street Address: 12 Royal Exchange Square
Country: Scotland
38. Aberdein Considine
City/Town: Aberdeen
Postal Code: AB11 6DN
Street Address: 5 Bon Accord Crescent
Country: Scotland
39. Bannerman Burke Properties
City/Town: Galashiels
Postal Code: TD1 1SE
Street Address: 28 High Street
Country: Scotland
40. Fineholm Letting Services
City/Town: Glasgow
Postal Code: G1 3QQ
Street Address: 114 Union Street
Country: Scotland
41. AIA Insurance
City/Town: Cumbernauld
Postal Code: G67 2RX
Street Address: 30 The Village
Country: Scotland
42. Stonefield Estate Agents
City/Town: Ayr
Postal Code: KA7 2AY
Street Address: 16 Miller Road
Country: Scotland
43. Homesure Mortgages
City/Town: Glasgow
Postal Code: G1 1HA
Street Address: 3 Ingram Street
Country: Scotland
44. Hunters Lettings
City/Town: Aberdeen
Postal Code: AB25 2XN
Street Address: 91 Rosemount Place
Country: Scotland
45. Scotia Mortgages
City/Town: Bridge of Weir
Postal Code: PA11 3NR
Street Address: 45 Main Street
Country: Scotland
46. Tay Mortgages
City/Town: Aberdeen
Postal Code: AB10 1AQ
Street Address: 42 Netherkirkgate
Country: Scotland
47. Martin & Co
City/Town: Aberdeen
Postal Code: AB25 2YH
Street Address: 123 Rosemount Place
Country: Scotland
48. DM Hall
City/Town: Edinburgh
Postal Code: EH12 6DD
Street Address: 17 Corstorphine Road
Country: Scotland
49. Mortgage Centre
City/Town: Stirling
Postal Code: FK7 7NJ
Street Address: 9 Main Street
Country: Scotland
50. McEwan Fraser Legal
City/Town: Edinburgh
Postal Code: EH3 9QG
Street Address: 3 Fountainbridge Square
Country: Scotland
Insurance is an essential part of financial planning, providing individuals and businesses with peace of mind and financial security against unexpected events. In Scotland, the insurance market is diverse, with a range of providers offering various products to meet the needs of residents, businesses, and institutions. These insurance providers offer policies covering health, life, home, car, business, travel, and more. Scotland’s insurance landscape includes both large national insurers and smaller, regional firms. Understanding the key players, types of insurance available, and the factors influencing the insurance market in Scotland can help consumers make informed choices.
The insurance industry in Scotland has grown to be a significant contributor to the country’s economy, particularly in Edinburgh, which is considered one of the major insurance hubs in Europe. The city is home to several prominent insurance firms and hosts a variety of multinational insurance companies. Scotland’s geographical location and regulatory framework make it an attractive market for both domestic and international insurers. The Scottish insurance sector has witnessed steady growth, particularly with advancements in digital insurance offerings and insurtech developments. Major national players, such as Aviva, AXA, and Zurich, have a strong presence in Scotland, providing comprehensive insurance solutions to both personal and commercial customers. Local insurers, such as the Scottish Widows, have a particular historical significance in the country, offering specialized life and pensions services.
The most common types of insurance policies offered by providers in Scotland include life insurance, home insurance, car insurance, health insurance, and business insurance. Life insurance policies, for example, are essential for providing financial protection to families in the event of the policyholder’s death. Various life insurance options, including term life and whole life, are available from a range of providers, each tailored to meet specific needs. Health insurance is another popular choice, providing individuals with quick access to private healthcare, with providers such as Bupa and Vitality offering competitive plans in Scotland.
Car insurance is mandatory in the UK, including Scotland, for drivers of vehicles on public roads. Major car insurance companies, such as Direct Line, Admiral, and LV=, offer various coverage options, including comprehensive, third-party fire and theft, and third-party only policies. Home insurance, including buildings and contents insurance, is also a significant part of the Scottish insurance market. Home insurance policies protect homeowners and renters against losses or damages to their property and belongings. Scottish homeowners often look for policies that provide specific coverage for challenges unique to the region, such as flooding or the risks associated with older buildings. Additionally, flood insurance is particularly crucial in parts of Scotland prone to adverse weather conditions and rising water levels.
Business insurance is another key area of the Scottish insurance market, covering a wide range of risks for small businesses, medium-sized enterprises (SMEs), and large corporations. Policies offered may include public liability insurance, professional indemnity insurance, employers’ liability insurance, and product liability insurance. Business interruption insurance, which covers the loss of income due to unforeseen events such as fire or natural disasters, has grown in importance, particularly following disruptions caused by the COVID-19 pandemic. Many businesses in Scotland also seek cyber liability insurance as part of their overall coverage to protect against digital threats and data breaches.
Travel insurance is also a widely purchased product, offering coverage for cancellations, lost luggage, medical expenses, and emergency evacuations. Providers such as STA Travel, CoverForYou, and others offer tailored plans for travelers, whether they are going on short trips or extended vacations. Travel insurance is particularly important for those traveling abroad, given the potential for medical emergencies or unforeseen events that could lead to costly consequences.
For those living in Scotland, the cost of insurance premiums can vary depending on several factors, including the type of coverage, the individual’s or business’s risk profile, and location. Scotland’s diverse geography plays a role in determining premiums, as areas with higher risks of flooding, harsh weather, or remote locations may lead to higher costs. For example, properties in flood-prone areas or near the coast may incur higher premiums for home insurance. Similarly, car insurance premiums can vary by region, with higher costs often seen in cities like Glasgow and Edinburgh due to greater traffic congestion and accident risks.
One key aspect of insurance in Scotland is the strong regulatory framework set out by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). These bodies ensure that insurers operate fairly and transparently, providing a level of consumer protection. This is especially important in Scotland, where consumers rely on the ethical and regulated operations of insurance companies. Many insurance companies in Scotland, particularly those offering life and pensions products, are also part of the Association of British Insurers (ABI), which sets industry standards and codes of practice to improve consumer confidence and service standards.
The Scottish government has also played a role in shaping the insurance market in the region, with policies related to property ownership, housing, and health insurance influencing the types of coverage available. For instance, Scotland has its own set of rules regarding landlord insurance, which includes regulations on property letting and the rights of tenants. This has led to specific insurance products catering to landlords and tenants within Scotland. Additionally, the Scottish government’s focus on climate change has resulted in a growing emphasis on flood insurance and sustainability in the insurance market. Insurers in Scotland are increasingly looking for ways to address the rising risks associated with extreme weather events, including flooding and storms, which have become more frequent due to climate change.
In recent years, Scotland’s insurance sector has seen a shift towards technology and innovation. Insurtech, the use of technology to disrupt and improve the insurance industry, has led to the rise of new digital-first insurance providers. These companies offer more streamlined and customer-centric insurance experiences, often providing online quotes, instant policy issuance, and fast claims processing. Companies such as Lemonade, Zego, and Urban Jungle are examples of insurtech firms that have started to make waves in the UK, including in Scotland. Their use of AI, big data, and digital platforms enables them to offer cheaper, more personalized insurance policies, making it easier for consumers to manage their insurance needs.
Another notable trend in the Scottish insurance market is the increasing use of telematics-based policies, particularly for car insurance. Telematics, which involves the use of devices installed in vehicles to monitor driving behavior, allows insurers to offer pay-as-you-go or usage-based insurance policies. This can be particularly attractive for younger drivers or those who do not use their vehicles frequently. By monitoring factors such as speed, braking, and driving time, insurers can offer lower premiums for safer drivers.
Overall, the insurance market in Scotland continues to evolve, driven by both traditional providers and new entrants embracing technological innovation. With the right policy, individuals and businesses in Scotland can access comprehensive coverage that provides the financial protection they need in the face of unexpected events. As the industry continues to adapt to new challenges and consumer demands, it is likely that Scotland’s insurance market will remain dynamic, offering a wide range of options for consumers and businesses alike.