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Corornavirus About Us Contact Links Terms of Business


Independent Supportive Knowledgeable Experienced Competitive


Simon Brown Insurances Ltd are an independent insurance broker with access to many of the leading insurers and market specialists offering standard and niche products to meet your specific requirements

insurance policy


Our usual opening hours are:-

Mon - Fri 09.00 - 17.00

Sat 09.00 - 12.00

You can find us at:
55a High Street Dunmow CM6 1AE.
We're opposite the War Memorial

War Memorial


Dear Customers

We are now working remotely and can only deal with your enquiries by phone, email or post - the office will not be open. If you need to make a payment this should be by card, bank transfer or cheque. If however you have no other option than to pay by cash please ring us to discuss how this can be arranged.

Please do your utmost to adhere to government advice and social distancing

Thank you for your understanding.




About Us

Established in 1989 the company steadily grew its client base and from 2002 acquired the businesses of Channel Rogers Ltd, Brian Mitchell Insurances and Wynburgh Insurance Agency, becoming incorporated in 2003.

We offer a friendly, personal and professional service with competitive rates on most aspects of Personal and Commercial insurance for individuals and businesses locally and throughout the UK

There are plenty of reasons why it pays to use Simon Brown Insurances, here are just a few.

- We stop your insurance headaches. As you'll probably agree, insurance is something which people tend to find uninteresting and sometimes confusing, especially when it comes to choosing the right cover. With our years of experience we will help you find that cover.

- We strive to offer you the best terms and cover available at all times. Once we've got you we don't want to lose you!

- We are always here to help you. Should the worst happen and you find yourself needing to make a claim, we can provide you with advice on the claims process, be it assisting you with the claim form or providing additional information to the insurance company.

- Simon Brown Insurances are an independent insurance broker with access to many of the leading insurers and market specialists offering standard and niche products to meet your specific requirements.


Contact us

Give us a call - 01371 874776

Send us an email - info@simonbrown.com

Alternatively come and see us at 55a High Street Dunmow CM6 1AE

We're opposite the War Memorial

Terms of Business

Accepting our Terms of Business

By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to these Terms of Business. If you are unsure about any aspect of our Terms of Business or have any queries regarding our relationship with you, please contact us at the above address.

The Financial Conduct Authority

Simon Brown Insurances Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Register number is 304903. Our permitted business is advising, arranging, dealing as agent and assisting in the administration and performance of general insurance contracts. You may check this on the FCA's register by visiting the FCA website, www.FCA.org.uk/register or by contacting the FCA on 0800 111 6768.

Our Service

Our role is to advise you and make suitable recommendation after we have assessed your needs. In situations where we are able to arrange insurance for you but do not offer advice, we shall confirm the position to you in writing. We will not in any circumstances act as an insurer nor guarantee or warrant the solvency of an insurer. We select insurance products from a range of insurers but, for certain products, we may only deal with a single insurer or select from a limited number of insurers.

Complaints and compensation

We aim to provide you with a high level of customer service at all times, but if you are not satisfied, contact us: In writing: Simon Brown Insurances Ltd, 55aHigh St, Dunmow CM6 1AE. By phone: 01371 874776 By e-mail: info@simonbrown.com If you are still not satisfied, you may refer the matter to the Financial Ombudsman Service (except in the case of a business with a group annual turnover of £6.5 million or more, a charity with an annual income of £6.5 million or more, or trustees of a trust with a net asset value of £5 million or more). We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of insurance, size of business (if a commercial customer) an the circumstances of the claim. Further information about compensation scheme arrangements is available from the FSCS.

Payment for our services

We normally receive commission from the insurers or product providers. In addition to premiums charged by Insurers we make the following charges to cover the administration of your insurances: New business & Renewals - £25 unless otherwise stated; Mid term adjustments - £10; Replacement of lost certificates - £10; Mid Term refunds - we repay commission on the return premium to your insurer and this will be deducted from the final amount due to you, subject to a minimum deduction of £10; Dishonoured cheques - £10; Late payment - £10.00 plus interest at 8% calculated on a daily basis will be applied. Bad debts - Where a premium or fee becomes outstanding we reserve the right to impose an administration charge and interest as well as additional costs made by Third Parties to recover the debt. For some insurances we will agree individual fees with clients for New Business and Renewal. The specific amount and purpose of any additional charges will always be advised to you in advance. You will receive a quotation which will tell you the total price to be paid, showing any fees, taxes and charges separately from the premium, before your insurance arrangements are concluded.

Handling Client Money and/or Insurer Money

Our financial arrangements with most insurance companies are on a "Risk Transfer" basis. This means that we act as agents of the insurer in collecting premiums and handling refunds due to clients. In these circumstances such monies are deemed to be held by the insurer(s) with which your insurance is arranged. However, if Risk Transfer does not apply, such monies will be held by us in a Statutory Trust account set up in accordance with FCA rules. For the purpose of some transactions, client money may pass through other authorised intermediaries before it is received by the insurer. Interest will not be paid to customers in respect of money held in client bank accounts.

Cancellation of Insurances

You should make any request for the cancellation of a policy in writing and any relevant certificate of insurance should be returned to us or to the insurer concerned. The terms of your policy may allow insurers to retain the premium in full or to charge short-period premiums in the event of cancellation before the policy expires.

Conflict of interests

Occasions can arise where we or one of our clients or product providers will have a potential conflict of interest with business being transacted for you. If this happens and we become aware that a potential conflict exists, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. In circumstances where we feel we cannot continue providing services to you, we will give you a minimum of 7 days notice.

Termination of authority

You may terminate our authority to act on your behalf with 14 days notice or otherwise agreed without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to these terms of business unless otherwise agreed in writing. You will be liable to pay for any transactions or adjustments effective prior to termination and we will be entitled to retain any and all fees or brokerage payable in relation to policies placed by us prior to the date of termination.

Your responsibilities

You are responsible for answering any questions in relation to any proposal for insurance cover honestly and to the best of your knowledge, providing complete and accurate information which insurers require. This also applies to your responses in relation to any assumptions you may agree to in the process of applying for insurance cover. This is particularly important before taking out a policy and at renewal or if you make a mid-term amendment to your policy. If you are a commercial customer, please be reminded you are responsible for providing complete and accurate information which insurers required at inception, renewal, and throughout the life of the policy. If you fail to disclose any required information material to the insurance this could invalidate the policy and mean that claims may not be paid. You should check all details on any proposal form or Statement of Facts and pay particular attention to any declaration you may be asked to sign. You should read all insurance documentation issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention should be paid to any warranties and conditions as failure to comply with them could invalidate your policy. You should take note of the required procedures in the event of a claim, which will be stated in the policy documentation. Generally insurers require immediate notification of a claim or circumstance that might lead to a claim. You should inform us immediately of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. If you are unsure about any matter, please contact us for guidance.

Confidentiality of personal details

All personal information is treated by us as confidential and is processed in accordance with the relevant legislation. We will not use or disclose personal information without your consent, other than in the normal course of arranging and administering your insurances, except where we are compelled by law (including by regulators or law enforcement agencies) to disclose such information. In such instances personal information held by us may be disclosed on a confidential basis, and in accordance with the Data Protection Act 1998, to such third parties.

Claims handling arrangements

We will employ due care and skill if we act on your behalf in respect of a claim. If we act on behalf of an insurer in negotiating and settling claims we will inform you that we will be acting on behalf of the insurer, not yourselves, at the point of claim.

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