Clear expectations. No jargon. No hidden catches - just a fair, transparent way of working together.
Last updated: 1st Aug 2025
No one loves reading terms and conditions - except maybe our compliance team - but they are important.
This document sets out the terms under which we - Waddle Insurance (trading name of Essential Risk Solutions Ltd) will provide our services to you. It outlines your rights, our obligations, and the basis on which we’ll work together.
We are a whole-of-market, fully advised insurance intermediary. We will:
To work effectively together, you agree to:
Full details of our fees, commission structure, and any applicable cancellation charges are set out in our Advice & Fee Policy.
We take all reasonable steps to identify and prevent conflicts. If one arises, we will disclose it to you and agree how to proceed.
You have statutory cancellation rights with most insurance contracts. We will provide details in your policy documents or you can read more in our Advice & Fee Policy.
These terms are governed by the laws of England and Wales.
Need to speak to us about anything to do with your data, your cover, or just have a question?
We aim to respond to all queries within 24 hours.
