Pulse Insurance Limited

Pulse Insurance Limited: specialist insurance for risks other insurers decline

Pulse Insurance Limited is a British specialist insurance company, licensed to operate in the UK and Europe, which focuses on covering risks that conventional insurers often decline. Founded in 1998, the company presents itself as an operator with bespoke solutions for individuals and groups, both in the UK and internationally, and has offices in Brackley, London, Norwich and Brussels.

The company describes itself as an award-winning specialist insurance business and states that it was voted as one of the Top 5 Specialty Insurers in the UK in 2024 by Insurance Business Review. Its activity is supported by established partnerships, including with Lloyd's, to address the complex landscape of health-related insurances.

Areas of specialisation

Pulse Insurance's offering is structured into three main divisions: Life & Protection, Specialty Division and Sport & Leisure. Each of them groups products designed for profiles that do not fit the standard criteria of the insurance market.

Life & Protection

This division serves individuals and groups when other insurers decline cover due to lifestyle, medical conditions, working overseas or high sums insured for non-residents. The company states that it specialises in cover relating to inheritance tax, shareholder and investor protection and short-term cover, among others.

The products in this area include:

• Life insurance for people with medical conditions.
• Cover for hazardous occupations.
• Insurance for hazardous sports and pastimes.
• Cover for hazardous countries and travel beyond.
• Income replacement insurance.
• Personal accident insurance.
• Relevant Life (relevant life for businesses).
• Short term life insurance for businesses.
• Group life insurance.
• Gift Inter Vivos (GIV).
• International life insurance.

Specialty Division

Pulse Insurance's specialty division focuses on unique risks and specific sectors. It includes cover for entertainment and special risks, group business travel, GlobeTrotter medical travel insurance, kidnap and ransom insurance, group and individual personal accident and illness, as well as other products available. It also covers short-term income protection and unoccupied property insurance.

Sport & Leisure

This area offers solutions for individuals and groups in the sports and leisure sector. Cover includes individual sports personal accident insurance, leisure travel insurance, and specific policies for sports associations, coaches, clubs, leagues, teams, events and sports and leisure facilities. It is completed with sports travel insurance, general travel insurance and a specific product for Slimming World.

Client profile and underwriting approach

Pulse Insurance targets individuals and businesses that cannot find cover in the conventional market. The company points out that it does not provide advice, but that it tries to be helpful in the process of finding cover. According to its own information, since 1998 it has specialised in finding insurance for the unusual and often succeeds when other insurers will not quote; in more than 80% of cases it can offer an indication of cover.

The company also stresses that, in most cases, the process begins with an initial conversation that allows the client to be told what information will be needed and how the procedure to find suitable cover will work.

Additional products and complementary services

In addition to the main lines, Pulse Insurance's catalogue includes Pulse Health, Cancer Care, County Medical, medical travel insurance, leisure and business travel insurance, and group cover. The company also has claims and complaints sections, downloadable forms, a glossary, FAQs and a news section.

Presence and regulation

Pulse Insurance Limited has been registered in England and Wales since 1998, with its registered office at Oxford Court, St James Road, Brackley NN13 7XY. The company is authorised and regulated by the Financial Conduct Authority (FCA) with reference number 308626. Its website is intended for UK clients under the British regulatory regime, and some of the content may not be related to Lloyd's activities.

Location and contact

Oxford Court, St James Road, Brackley NN13 7XY