Home & contents
Buildings, contents and the awkward extras — bikes, instruments, a studio at the bottom of the garden. We check the sums insured actually match what it would cost to rebuild and replace.
PersonalIndependent insurance adviser
The cover you have, explained properly.
Hartwell & Moss reads the small print so you don't have to. Tell us what you own, what worries you and when your renewal lands — we come back with options in plain English.
Independent, so the recommendation follows the risk — not a single insurer's list.
What we place
Six lines of cover, one adviser
Personal and small commercial risks, arranged across a panel of insurers. If something you need sits outside this list, say so in your enquiry and we'll tell you honestly whether we can help.
Motor
Everyday cars, second vehicles and classics kept for weekends. Named drivers, mileage and where the car sleeps all move the price, so we get them right the first time.
PersonalRenters
Contents cover written for people who don't own the walls, including shared flats, deposits and accidental damage to a landlord's fittings.
PersonalLife & income
Term life, critical illness and income protection arranged around a mortgage or a young family, with the exclusions read out loud before anything is signed.
ProtectionSmall business
Public liability, professional indemnity, stock and tools for sole traders, studios and shops. Sensible limits rather than the largest number available.
CommercialTravel
Single-trip and annual cover, including declared medical conditions, winter sports and the camera bag that travels with you.
PersonalHow it works
Three steps, no pressure
From first message to documents in your inbox, you deal with one person and one thread. Nothing is bound until you say so.
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Tell us what you need covered
Send the short form below, or forward your current schedule. We'll ask a handful of follow-up questions and nothing you don't need to answer.
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We compare and translate
We gather terms from our panel and set them side by side — excess, exclusions, claim limits — with the differences written in ordinary sentences.
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You choose, we handle the paperwork
Pick the option that fits. We arrange the policy, store the documents and put a note in the diary well before your renewal date comes round again.
What you get
Four things we hold ourselves to
Plain-English wording
Every recommendation comes with a short summary of what is covered, what is not, and the excess you would actually pay.
One named contact
The person who quotes your cover is the person who answers when you write back. No queue, no reference number.
An annual review
Before renewal we check whether the cover still matches your life — a new room, a new job, a car that finally left.
Support at claim time
If you need to claim, we help you assemble the evidence and stay on the thread with the insurer until it closes.
The adviser
Nora Hartwell
I spent nine years inside insurers' claims teams before opening this practice, which is a polite way of saying I have read a great many policies at the worst possible moment.
That experience shapes how I quote. I look at what a wording does when something goes wrong, not only at the premium on the front page — and I would rather tell you a cheaper policy has a gap in it than win the business quietly.
"A policy is only as good as the sentence you'll need on your worst day. I read that sentence first."
Nora HartwellFounder & Adviser
Questions
Before you write to us
Does the advice itself cost anything?
No. We're paid by the insurer when a policy is placed, and we tell you what that
arrangement looks like before you commit to anything. If we can't improve on what you already
hold, we'll say so and there's nothing to pay.
Can I switch before my renewal date?
Usually, yes. Most policies can be cancelled mid-term with a pro-rata refund,
though some carry an administration fee. We check your current terms first and only suggest
moving early when the maths genuinely works in your favour.
What should I have ready?
Your current schedule if you have one, the renewal date, and a rough idea of
values — rebuild cost for a home, purchase price for a vehicle, stock and equipment totals for a
business. Estimates are fine at this stage; we'll refine them together.
How quickly will I hear back?
Enquiries are answered in the order they arrive, normally within one working
day. If your renewal is close, mark it in the message and we'll move you up the list.
Request a quote
Start with a few details
Five fields is enough to begin. We'll reply with any follow-up questions and, where we can, an indication of what your options look like.
- A reply from Nora, not an automated quote engine.
- No cover is arranged and nothing is charged until you confirm.
- Your details are used for this enquiry only.