01  /  Company history

We started because cover should make sense long before the day you need it.

Auto Life Health

We began as a small insurance company with one rule: nobody signs for a policy they cannot explain back to us. In the early years almost every conversation opened the same way, with cover someone had bought and never really read.

As more households joined us across Auto, Life and Health, the same pattern kept surfacing. A fast quote settled the question of the week, but it rarely matched what was actually happening: a first car, a new baby, a diagnosis, a parent moving in.

So we changed how our policies are written. Each one starts with what you are protecting today, then what sits around it, then what could matter in ten years. Internally we call it Today, Around and Ahead. To our members it simply reads like cover that finally makes sense.

“

A policy is only worth what it does on the worst day. Everything we write is built for that day.

From our claims handbook

Licensed 2016 Auto Life Health

Mission, vision, promise, philosophy

What we stand for, in four lines.

What guides every policy
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Mission

Why we exist

To underwrite auto, life and health cover ourselves, so the company that takes the premium is the same one that pays the claim.

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Vision

Where we are going

Cover no one has to decode. Every limit and exclusion on the first page, so a family knows what is protected before they sign.

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Promise

What you can hold us to

A two-page plain-language summary with every policy, and every claim handled in house by people you can actually reach.

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Philosophy

How we decide

We widen cover one line at a time, and only when we can honour it. No add-ons stacked on a plan that will never use them.

02  /  Company standards

We have a simple test for good cover.

A policy should leave you clearer than the quote that produced it. These are the four standards every plan we write is held to before it reaches a member.

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In focus

Plain wording first

Select a standard to bring it into focus 04

Plain wording first

Every policy opens with what is covered and what is not, written in the words you would use yourself. The legal wording still exists, it just stops being the first thing you meet.

01

Good cover is not the longest document in the drawer. It is the one you can act on the moment something goes wrong.

Live Cover radar

Point the radar at what you actually own.

Pick a line and the panel shows how that cover behaves at First Guard: what the policy is built around, and what happens the moment you need to use it.

Auto cover

Vehicles, drivers and the commute they carry.

Life cover

Income, mortgage and the people behind them.

Health cover

Treatment, referrals and the bill that follows.

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Auto - repairs authorised before liability is resolved.

A named handler

A written decision

Direct settlement

04  /  Member stories

A claim is the only honest review of a policy.

Three anonymised examples of how a claim actually ran, one from each line we underwrite. Each one describes what the cover did once the paperwork stopped being theoretical.

01  Auto
02  Life
03  Health
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Story 01  /  Auto

A member was rear-ended on a wet motorway two weeks after adding a second driver to the policy. The other insurer disputed liability, and the car was the only way the household got to work.

What the cover did

A courtesy car the same afternoon, repairs authorised before liability was resolved, and no excess once recovery went through.

Stories are anonymised and shortened. They describe how a claim was handled, not a guarantee of outcome. Every claim is assessed against the wording of the policy in force at the time.

Drag me Anatomy of a claim

Pull the handle across and watch the claim move.

Every First Guard claim runs the same sequence, whether it started with a bumper, a hospital referral or a certificate. Nothing here waits on a department you cannot reach.

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Stage 01 of 05

1

Step
of five

You notify us

One call, one form or one message. A reference number and a named handler exist before that first conversation ends.

Reference and handler issued on the first contact.

Step 01

Notified

Step 02

Handler

Step 03

Assessed

Step 04

Decided

Step 05

Paid

05  /  Questions about us

A few things people usually want to know about us.

Select a question to bring its answer forward.

What does First Guard actually cover?
Who are your plans built for?
Why write auto, life and health under one roof?
How does a claim work?
Do I need to understand insurance terminology?
What should I expect from First Guard?
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What does First Guard actually cover?

We underwrite our own auto, life and health insurance. That means the policy, the pricing and the claim all sit with us, so there is no third party to hand you to when something needs deciding.