We can help you with other Home and Travel Insurance

Home Insurance

We work in conjunction with our sister business, R K Shipman, home insurance specialists with over 40 years’ experience helping people with their home insurance - no matter how unusual your home or your circumstances. 

The R K Shipman team are based in our offices in Cheltenham and offer a personal, friendly service. They will get to know you and your individual home, offering a choice of competitively priced products from leading and specialist insurers that have been carefully designed to meet your needs, lifestyle and budget. 

R K Shipman can arrange insurance for all types of homes, no matter how big or small, old or modern, including apartments, coach houses, bungalows, terraced, semi-detached and detached homes. 

They can also offer specialist cover for:

High value homes

Designed for people with home contents over £75,000 the policy includes worldwide “All Risks” cover for:

  • • Buildings
  • • Contents
  • • Fine Art and Antiques
  • • Valuables

Your policy automatically includes cover for: 

  • • Liability to the Public and Domestic Staff
  • • Home Emergency
  • • Legal Expenses
  • • Identity theft
  • • Cyber


  • Listed homes

R K Shipman have years of experience insuring listed buildings so you can relax knowing that if you need to make an insurance claim for damage to your home, repairs will be carried out in keeping with the building’s heritage, using recommended building contractors, traditional building methods and the right materials to comply with regulations.

Cover specifically designed for your unique listed home includes: 

  • • Loss or accidental damage to your buildings, contents, fine art, antiques and valuables anywhere in the world
  • • Unlimited sum insured so you don’t have to worry about rebuilding costs
  • • Alternative accommodation for you and your pets for up to 3 years to allow repairs to take place to the required standard
  • •Home Cyber to provide protection for computer virus removal following a cyber attack, fraud and telephone hacking


  • Holiday Homes

Holiday Home Insurance is designed for apartments, cottages, chalets or houses. 

Whether the property is used by you and your family or let to paying guests, there is more risk involved compared to your main home. 

Properties may be left empty for long periods and be susceptible to damage such as theft, malicious damage or escape of water which may go unnoticed. 

And if a holiday home is let to paying guests, your insurance will cover liability if someone is injured through your negligence, for example tripping on a loose carpet and also covers damage to the contents of the home. 


  • Let property

R K Shipman can arrange insurance for landlords letting residential properties in the UK – whether you let one property or have a portfolio of properties. 

They can cover all tenancy agreement periods and a wide variety of tenants including students, DSS benefits and multiple tenants. 

Cover automatically includes Legal Expenses, and we offer optional Rent Guarantee cover to protect you if a tenant defaults on the rent.


  • Rooms let via airbnb

Short term renting of rooms through online websites like airbnb continues to grow in popularity but inviting paying guests into your home can invalidate your home insurance. 

Most standard household insurance policies will exclude cover if your home is used for business purposes and theft or accidental damage to property by paying guests is often a specific exclusion. 

Whilst airbnb provides hosts with cover for damage to property by guests, this still leaves hosts without cover if a guest injures themselves in the home through negligence, for example like slipping on a loose carpet. 

R K Shipman can arrange home insurance that specifically covers renting rooms to paying guests.


  • Home affected by subsidence

R K Shipman is able to provide cover for homeowners who have a history of subsidence or who live in an area prone to subsidence. 

Whilst many insurers are not prepared to offer this cover, we have many years of experience and expertise in this area and can arrange insurance for most homes affected by subsidence and also advise on measures to help prevent future subsidence. 


  • Homes in areas prone to flooding

R K Shipman considers each flood risk individually, reviewing the previous history of flooding at the property or in the area, so they can arrange the best possible cover for your home. 

Insurers can take a different view on the flood risk of individual post codes so even if you have been refused cover elsewhere R K Shipman may still be able to help. 


  • Homes undergoing building work

Designed for both occupied and unoccupied homes undergoing renovation, insurance can be arranged to cover the length of the building work. 

Cover will include public liability insurance to protect you if someone is injured at your property during the renovation and also cover legal costs in the event of a contract dispute.


  • People who run a business from home

Most standard household insurance policies will exclude cover if your home is used for business purposes. 

At R K Shipman we can arrange home insurance that includes cover for stock and office equipment and liability for any third any claims against you, especially vital if customers of your business visit your home. 

All businesses whether clerical or not can be considered.


  • Unoccupied property ( short term or long term)

Home insurance usually restricts cover for properties that are left unoccupied for over 30 consecutive days. R K Shipman can arrange insurance specifically designed for unoccupied residential properties to protect your home against damage from things like escape of water, theft or malicious damage. 

We offer 3 levels of cover giving you a choice to suit your needs and budget.

You can also choose: 

  • • Short term cover for 3 or 6 months, which is useful if you are responsible for property that is in the course of probate or for let properties that are in between tenants. 
  • • Long term cover for up to 12 months at a time for properties that may be undergoing renovation, for example.


  • Steel , timber frame or prefabricated homes 

It can be difficult to obtain insurance for homes built from non-standard materials as some insurers consider the structures as higher risk or temporary.

R K Shipman has many years’ experience arranging insurance for steel, timber frame and prefabricated homes and understand they may have the same life expectancy as a brick built property.

Our friendly, experienced team can arrange insurance for most styles of home, both old and new.


  • People with past claims or convictions

If someone has a history of previous household insurance claims or unspent convictions this needs to be disclosed when taking out home insurance and some providers may refuse to insure your property in these circumstances. 

R K Shipman are able to arrange home insurance for people who have had multiple claims in the past 3 years or who have a conviction or live with someone who has a conviction. 

All enquiries will be handled discreetly and sensitively by the friendly, experienced home insurance team.


 You Choose How to Deal With Us

As well as offering a choice of policies we offer a choice in how you deal with us, so you can pick the one that best suits you.


Telephone us Free on 0800 038 5264 between 9am and 5pm Monday to Friday. If these times are not convenient, leave a message with our friendly answering service and we can call you back at anytime to suit you.


Why not come and see us – we can talk in a relaxed, comfy environment over a cup of real coffee and discuss your requirements. We offer free parking, enabling you to walk around the lovely town of Cheltenham afterwards. Browse our fabulous shops or enjoy lunch at one of the many attractive cafes and restaurants. To book an appointment just call, write or email – or you can just turn up, although we may not always be able to guarantee a car park space if you don’t pre-book.

View our office address and map


Many people still like to send and receive letters – including us! We can send you a proposal form and you can return it freepost with your payment. Just let us have your name and address and we’ll send you the forms.


The internet is the increasingly modern way to transact business and buy goods and services. In the interim, please contact R K Shipman via email at  info@rkshipman.co.uk  for any insurance quotation enquiries.

Travel Insurance

Paul Baker Insurance Services also offers competitively priced travel insurance that may be of particular interest to our customers as it includes single trip cover with no age limits and most pre-existing medical conditions can be covered. 

Travel insurance is offered in conjunction with Just Travel Cover, an established specialist travel insurance broker, whose policies are underwritten by Axiom Underwriting Agency Limited. 

Key Features include: 

  • • Single trip cover with no age limits
  • • Annual cover available for 31 - 93 days
  • • 98% of pre-existing medical conditions covered
  • • 5 star Defaqto rated products
  • • Specific cover available for cruises
  • • Winter sports cover available
  • • Terrorism cover available in respect of cancellation, curtailment & travel delay
  • • Up to £3000 baggage per person
  • • Up to £15 million medical expenses
  • • Increased cancellation cover up to £50,000 per person available
  • • Connecting flights cover, uninhabitable accommodation cover and end supplier failure

You can obtain quotes from multiple insurers within minutes and cover and documents can be arranged immediately. 

Request a Quote

Telephone us Free on 0800 038 5090 between 9am and 5pm Monday to Friday. If these times are not convenient, leave a message with our friendly answering service and we can call you back at anytime to suit you.