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Vulnerable Clients

At Howden, we are committed to providing quality products and services for all our clients. We work in an open and responsible way that builds the trust and respect of those we value and aim to ensure that everyone is provided with good product and service choices and communicated with in a way that best suits that individual. Ultimately, we always want you to make good buying decisions and have a positive experience when dealing with us.

Identifying clients in vulnerable circumstances

Although you might not see yourself as vulnerable there are lots of different reasons that you might benefit from a little extra help, and we’d like to be able to offer it to you when it’s most needed. From a permanent disability, mental illness or learning issues to a temporary inability to pay your bills or a change in circumstances such as bereavement. We are here to help.

Looking after our clients

Our colleagues receive training on how to help vulnerable and disabled clients. We are constantly looking for ways to make your insurance purchase as simple as possible so if there is a way of improving our service and support to you, please let us know at client.support@howdeninsurance.co.uk

You may have dyslexia and find it difficult to read from the white paper your documents are printed on. Ask us about having information printed on a different coloured paper or in large print. If it helps you, it makes us happy.

‘Cost of living – if you are struggling to continue your insurance cover or if your insurance premium is paid by Direct Debit, and you are struggling to make repayments, please contact us so that we can discuss what options are available to you. ’

There are all sorts of ways we can help so please let us know.

How we record your information

Howden will only record information about a client’s vulnerability or disability which is relevant to the services that we provide. Further details about the information that we store can be found in our Privacy Policy.

Appointing someone to act on your behalf:

Managing your insurance policy or application

If you need assistance in managing your policy, you can notify Howden and request a Delegated Authority on your record.

Power of Attorney

If a client has a Power of Attorney who wants to act on their behalf, we will need a certified copy of the LPA certificate to be sent to the branch/branches that hold your policy/policies.

Dealing with bereavement

We understand how difficult it can be when a friend or family member has passed away. Our colleagues are here to help you liaise with your insurance company.

Who do I contact?

Simply call your local branch to notify them. Details of our branches can be found on our website, you don’t even need to be aware of the original branch. Just provide us with the details and we’ll deal with the rest for you.

What we’ll need

The policyholder’s name, postcode and date of birth.

What happens next?

We will ask you to supply a copy of the death certificate and we will discuss the ongoing policy with you to get the right outcome.

Providing Information in different formats

If you require any information in a different format, including large print or on coloured paper please contact your local branch.

Monitoring our policy

Howden regularly review our colleagues’ performance and work closely with third parties to ensure we are meeting the needs of all our clients. We will regularly review this policy and the procedures in line with it.

Talk to the experts and let us find the right policy for you

Try us out and see how we can help make finding the right insurance cover that little bit easier for you.

Cardiff 02920 626 226
Newport 01633 250 282
Ystrad Mynach 01443 816 099

What Our Customers Say

Google Reviews
79 Reviews

Mal Elwood

1 year ago

"Very efficient, always friendly and helpful. I have used Watkin Davies for years, and they have always been competitive. I received great support recently when I had to make a claim, so I'd highly recommend them."

A Ali

1 year ago

"I was very impressed with the quality of the service - it was outstanding. The advisor, Ms Spear went above and beyond to give me the best driving insurance policy. The policy I have received is exactly what I was looking for. Thank you so much Ms Spear!"

Adam Kearns

1 year ago

"I've used Instructorcover Plus for my driving instructor insurance for a number of years. Not only are prices competitive, even at renewal, but customer service is fantastic. Call operators are always cheerful and incredibly helpful. Everything is always sorted in a single call, saving valuable time. Highly recommend."

Macca Ginger

1 year ago

"Absolutely superb service from the team, particularly Natalie. Very easy and simple process"

steve rudgley

1 year ago

"As aways very efficient"

Barrie P

1 year ago

"I have used InstructorcoverPlus for my driving tuition insurance for a number of years. Their prices are always competitive and everyone I speak to is friendly and helpful."

Kathryn Parkes

1 year ago

"Ceri was very helpful and knowledgeable on the phone"

John Gabriel

10 months ago

"Karrie Brewer was so helpful today, especially as one insurance company would not quote, so had to shop around for us, many thanks"

Sulman Khosty

10 months ago

"Kelly is amazing. Very helpful and friendly, did a great job today with helping me out to get insured. Amazing service!"

Andy Amadi

11 months ago

"Great service. Got my first driving instructor insurance with this firm. Price was competitive and customer service provided by Jane was great. I will definitely recommend the service."

Lynne Turner

1 year ago

"Team were very helpful when it came time to renew my policy, taking the time to check and make any amendments needed. Would highly recommend."

Nikki Mellin

1 year ago

"5 stars!"

Pam Durbin

1 year ago

"Excellent service from Watkin Davies as per usual. I love the way they do all the hard work researching best quotes and provide you with your options. All the staff are very friendly and professional, I have to highlight Ceri who always does a fantastic job for me and my family."

Steve P

1 year ago

"Really helpful and efficient customer service, friendly and knowledgeable too. I would highly recommend InstructorcoverPlus."

Ricki Dango

1 year ago

"I m a returning customer and what a wonderful experience. Emma is new to her role but she was very helpful and polite throughout. She got the quote done very quickly and managed to beat all my other quotations. I therefore didn't have to waste any more time. Further she offered me three instalments at 0% which is helpful in this current economic climate. The paperwork was sent straight away. Highly recommended."

Gary Williams

1 year ago

"Once again, could not have been more helpful! Still a pleasure to speak to a 'real person' who knew what they were talking about!"

About Watkin Davies

Watkin Davies Insurance Consultants is an independent Insurance Broker and a trading name of A-Plan Holdings, our head office is in Cardiff, in the village of Whitchurch close to the M4 motorway. The business was established by Roger Watkins in 1978 and is the trusted insurance broker to many individuals and businesses throughout the UK. We are proud of our independent status and pride ourselves on our customer service.


  • We are proud of our claims service, our aim is to provide our customers with a first class service and ensure settlement is met within our customers expectations.
  • We have a highly skilled team, working hard to understand our customers requirements and needs & pride ourselves on customer service.
  • We have access to a comprehensive panel of insurers that allow us to provide cover you need at a competitive premium.
  • The business was established by Roger Watkins in 1978 and is the trusted insurance advisor to many individuals and businesses throughout the UK.

Watkin Davies & InstructorcoverPlus is a trading name of A-Plan Holdings, which is authorised and regulated by the Financial Conduct Authority No. 310164. Registered in England and Wales under company registration number 750484. Registered Office: 2 Des Roches Square, Witney, OX28 4LE. Calls may be monitored and recorded for quality assurance purposes.
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