Frontier Insurance - London

👍 Reviews 📌 Map ℹ️ Information ⏰ Hours

Address: 1st Floor, Frontier Insurance, 5 St Helen's Pl, London EC3A 6AB, United Kingdom.

Website: frontierinsurance.co.uk
Specialties: Home insurance agency.

Opinions: This company has 115 reviews on Google My Business.
Average opinion: 2.7/5.

📌 Location of Frontier Insurance

Frontier Insurance 1st Floor, Frontier Insurance, 5 St Helen's Pl, London EC3A 6AB, United Kingdom

⏰ Open Hours of Frontier Insurance

Monday: Open 24 hours
Tuesday: Open 24 hours
Wednesday: Open 24 hours
Thursday: Open 24 hours
Friday: Open 24 hours
Saturday: Open 24 hours
Sunday: Open 24 hours

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"content": "

Frontier Insurance stands as a notable entity within the insurance sector, specifically positioned as a dedicated Home Insurance Agency operating from the bustling metropolis of London. While not one of the largest multinational insurance conglomerates, Frontier Insurance has carved out a specific niche, focusing its expertise on residential insurance solutions. Their presence is anchored in the heart of the UK capital, located at 5 St Helen's Pl, occupying the 1st Floor, with the postal address EC3A 6AB, signifying a presence in the City of London, an area historically known for business and finance. This strategic location potentially facilitates access to clients and business partners within a dense commercial and residential environment.

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The company's official online presence is managed through its website, accessible at frontierinsurance.co.uk. This digital platform serves as the primary hub for prospective and existing clients to explore the range of services offered, understand the claims process, find contact information, and potentially initiate an inquiry or quote request. The website design and content are crucial touchpoints for the company's digital marketing strategy and customer engagement.

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Core Business Focus: Specializing in Home Insurance

At the core of Frontier Insurance's operations lies its specialization in Home Insurance. This indicates a focused business model, likely meaning they possess in-depth knowledge and underwriting capabilities specifically tailored to residential property risks across various regions in the United Kingdom. Their expertise would encompass coverage for structures, personal belongings, legal liability, and protection against perils like fire, flood, storm damage (subject to policy terms), and accidental damage.

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As an agency, Frontier Insurance likely functions as an intermediary, collaborating with various insurance Underwriters or insurance group partners. This agency model means clients interact directly with Frontier Insurance representatives for needs assessment, policy customization, explanation of terms and conditions, and assistance with the claims process. Agencies often provide personalized service and convenience for consumers seeking insurance coverage.

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Understanding Their Home Insurance Offerings

Prospective clients seeking Home Insurance through Frontier Insurance would typically be interested in understanding the specific features and benefits of their policies. Key considerations might include:

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Level of Coverage: Determining the extent of protection (e.g., buildings, contents) based on property value and personal needs.

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Additional Coverages: Exploring optional extensions like protection against natural disasters (home flood insurance could be relevant), breakdown cover for delivery vehicles, or protection against malicious damage.

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Premium Costs: Understanding how factors like location (frontierinsurance.co.uk might provide area-specific quotes), property type, security measures, and claims history influence the insurance premium.

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No-Claim Bonus: Information on how driving history might impact home insurance costs.

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Claims Process: Familiarizing themselves with the insurer's procedures for filing and managing claims effectively.

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Customer Service Channels: Knowing how to contact the agency for inquiries, policy management, or support.

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While specific product details are best obtained directly from their website or by contacting the agency, Frontier Insurance's agency status suggests they act as knowledgeable guides through this process.

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Reputation and Market Presence

Assessing the reputation of any insurance provider is crucial for potential customers. Frontier Insurance maintains a physical storefront in St Helen's Place, suggesting a commitment to serving clients locally within easy reach of the City of London. This local presence can be a significant advantage for businesses and residents nearby seeking face-to-face consultations.

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Online presence and customer feedback are vital components of a company's reputation. Frontier Insurance has established a presence on Google My Business, where customers are encouraged to leave reviews. This digital footprint allows potential clients to gauge the experiences of previous policyholders. The platform indicates that Frontier Insurance has accumulated 115 reviews, providing a valuable data point. The average rating derived from these reviews is 2.7 out of 5 stars. This score suggests that customer satisfaction levels may be perceived as moderate to low by a significant portion of their clientele. It is important to note that an average score requires interpretation; it aggregates diverse experiences, and individual reviews can offer more nuanced insights. Consumers exploring Frontier Insurance would be prudent to examine these reviews critically to understand the specific aspects of service, claims handling, and policy value that clients have experienced.

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The aggregation of these reviews on a widely used platform like Google My Business indicates that the company is subject to customer feedback and market scrutiny. The relatively low average score might warrant further investigation by prospective clients, perhaps comparing Frontier Insurance's offerings and customer service approach with those of competitors.

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Information for Prospective Clients

If you are considering obtaining Home Insurance through Frontier Insurance, the following steps can guide your process:

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Visit their Website: Go to frontierinsurance.co.uk to browse their policy types, understand the scope of coverage, and potentially use their online quoting tools if available.

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Contact the Agency: Utilize the contact information provided on their website. Speaking directly with an insurance advisor allows for personalized guidance tailored to your specific property and needs. Discuss coverage limits, exclusions, and potential discounts.

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Inquire About Specific Policies: Ask detailed questions about the terms and conditions, what is included and excluded from the standard policy, premium payment options, and the claims procedure in case of an unfortunate event.

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Compare Quotes: Obtain quotes from multiple insurance providers, including possibly direct insurers, to ensure Frontier Insurance offers competitive rates for the coverage they provide.

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Check Reviews Critically: Review the 115 customer testimonials on Google My Business. Look for patterns in complaints or praise regarding service quality, claim responsiveness, and overall value for money. This information can provide real-world context beyond the average rating.

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Understand the Contract: Before finalizing any policy, read the insurance contract carefully. Ensure you understand all obligations, the insurer's responsibilities, and the process for making a claim.

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Frontier Insurance's focus on home insurance, combined with its location in London and online accessibility, positions it as a potentially viable option for property owners seeking residential coverage. However, like any financial decision involving significant protection, thorough research and direct engagement are essential steps before committing to a policy.

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In summary, Frontier Insurance operates as a specialized home insurance agency based in London, offering coverage tailored to residential properties. Their online presence includes a dedicated website and a Google My Business listing with customer reviews, though the average rating suggests room for improvement in customer satisfaction. Prospective clients are advised to explore their website, contact the agency for personalized advice, obtain quotes, and critically evaluate customer feedback before making an informed decision.

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"summary": "Frontier Insurance is a London-based home insurance agency offering specialized residential coverage. With a UK presence and focus on client interaction, they provide personalized policy guidance but have a moderate Google rating (2.7/5) based on 115 reviews.",
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👍 Reviews of Frontier Insurance

Hugh W.

1/5

Be very careful!

In my experience their policies are misleading and not fair. When I took the policy they stated that burglary is covered for items that 'remain in the house' however they also say that items that You can or do take outside the house…' are not covered. By definition any item which can be stolen MUST be able to be taken outside the house. We fell victim to this contradiction. Even their claims company said that this is a very unusual policy and urged us to challenge it. Although they may be legally correct in refusing such a claim this method of doing business seems very dishonest. Please don't fall for this like we did!

Laurie L.

1/5

Had policy 2 years back with additional Home Emergency Cover. They were unable to respond to a loss of heating and hot water over a very cold spell. Endless poor communication, appointed trades not showing up, one that did eventually show fabricated the works required to fix boiler, in the end with their permission we contacted own plumber and it was fixed on the day. It was my birthday and I was on my annual leave at that time, absolutely ruined by the whole experience. We were without heating and hot water a total of 6 days. Home Emergency Cover useless.

I have recently taken up new home insurance elsewhere and am now annoyed further to discover my home emergency call out with Frontier counted as an insurance claim?!!!

Sandie S.

5/5

I purchased building insurance in January and due to major renovation work - I have now had to take out insurance with another company.
Frontier login was easy, clear and self explanatory. After cancellation it prompted an email to advise what refund I would receive.
I think this is a great service and I would return to Frontier when I renovation work is cmpleted.
Thanks again

Maximus B.

1/5

AVOID! If I could give zero stars, I would.

My experience with Frontier Home Insurance has been nothing short of appalling. I submitted a legitimate claim after a severe leak from the flat above caused significant water damage to my belongings, including contamination from insulation, plaster, and foul-smelling greywater(sewage). Despite providing extensive evidence (photos, videos, receipts, a plumber’s report, and a full itemised inventory), Frontier delayed, deflected, and ultimately refused to honour the policy.

They initially tried to reject the claim on the grounds that I reported it “outside the 28-day window”, even though I acted reasonably and in good faith while waiting for the upstairs neighbour’s insurer to respond. When that excuse failed, they offered to pay 50% of the claim, effectively admitting it was valid, only to then revoke the offer and try to void my entire policy based on a supposed misrepresentation of my insurance history.

Even after I provided written proof from my previous insurer showing I did have valid overlapping cover, Frontier changed their justification yet again, this time claiming that because I hadn’t held the previous policy for exactly 12 months, I was never eligible. That kind of hair-splitting is not just unreasonable, it’s disgraceful.

The way Frontier handled my claim was obstructive, inconsistent, and clearly designed to avoid paying out. They’ve caused me immense stress, wasted countless hours of my time, and left me out of pocket. I’ve now taken the matter to the Financial Ombudsman Service and will be sharing my experience across every platform I can.

Avoid Frontier at all costs. If you ever need to make a claim, you’ll find out just how little they care about policyholders.

Bob C.

1/5

I had a flood 1st Jan 25,only now is building work being done.
With regards contents frontier have shafted me. They contract out their claims to a company called Evolution, and they contract out claim evaluations again, so you don't have a single point of contact. This is my 1st claim on house insurance in 25 yrs, nightmare.
AVOID AT ALL COSTS, ONLY USE Frontier if you dont want to be properly isured.
If I could put ZERO stars I would.

Matthew C.

1/5

Misleading Insurer - reported

I took out an insurance policy. They said because I work from home that my home is a business and that isnt covered. I assume that means if you do any WFH they will us this to invalidate you policy but still take your payment.

I paid for the full year in advance and they refused to send me the invoice

They came up the cheapest on a comparison site. I am now finding out why.

Simon V.

1/5

Before taking out a policy with Frontier read all the reviews below. There is a common theme amongst all who have tried to make a claim – Frontier will do everything they can to welch out of paying. They hide behind having no call centre (for them or their claims management company) and do not respond to email.
I logged a claim in June for a leaking pipe and here I am a week ahead of Christmas, 6 months later with no central heating and 2x young children under the age of 12. They are apparently investigating previous undisclosed claims (which weren’t claims) and have provided no update on how long the investigation will take. Quite what is taking so long I don’t know. I have provided all relevant information and still no response. I have offered to help with the investigation but still no response.
They will no doubt respond to this review in a timely manner with empty, meaningless words thanking me for the feedback and say they’re trying to improve their services. But nothing will change and I’m still left in limbo with no progress to my claim.
All the good reviews they have are from people saying they provided a good price. They’re happy to take your money until you need to make a claim and then it’s worthless. Our case is now being investigated by the Financial Ombudsman. Don’t make the same mistake I did, save yourself time and stress by insuring with someone else. Avoid at all costs.

Jenn Q.

1/5

Was cheap compared to competitors, but the terms and conditions are far more narrow than the other insurance I have quotes for. I cancelled in cooling off period (indeed, same day of purchase) and they are keeping £36 “admin fee”, which I am contesting.