Ant Insurance, is the trading name of FIUK.com Ltd and as an Appointed Representative, we are permitted by the Financial Services Authority to arrange general insurance contracts. Please see our FSA Status Page for more information.

We began trading in early 2000, pioneering internet based standalone Mortgage Protection and Loan Protection via our trading name of FreeInsuranceuk.com and offering the consumer an alternative to high priced high-street policies. At that time, consumers had little or no choice other than to buy expensive policies attached to either their loans or their mortgages.

We prided ourselves on keeping a small, tight-knit company and listening to our customers needs and by doing so began to understand that they wanted greater flexibility and choice. We realized that "one size insurance" did not fit all and we therefore looked at ways to provide the option to tailor policies to suit the individual needs of each person whilst still keeping premiums at the lowest level possible.

We worked exclusively with a new underwriter to create an Income Protection Insurance (ASU) policy that provided the innovative and unique option of 3 and 6 month benefit periods to combine with the industry standard of 12.

In June 2006 we therefore launched Ant Insurance.co.uk with the unique 3 and 6 month benefit periods and age-banded premiums. The success of the age-banding and choice of benefit periods prompted us to then launch a new Mortgage Payment Protection policy in late 2007 to compliment and run alongside our Income Protection Insurance.

We were delighted to find that our efforts were acknowledged when we received the What Mortgage Magazine Insurer of the Year Award for 2007 and 2008. We regularly topped the Defaqto and FSA tables as the cheapest provider of payment protection but we have never compromised the quality of our cover to maintain these premiums. The extensive and positive media coverage that we have received, and continue to receive, acknowledges that we continue to provide competitive and innovative products.

The "credit crunch" in late 2008 caused underwriters to re-evaluate their products and we felt that the products we were now able to offer were no longer as competitive as they once were. We therefore searched the market in an effort to offer our customers not only value for money but an excellent product. Therefore in March 2009 we were delighted to offer a highly competitive Mortgage Protection Insurance followed in May 2009 by an Income Payment Protection Insurance both underwritten by certain underwriters at Lloyds of London. In doing so we continued our history of bringing affordable but comprehensive cover to the payment protection internet market.

In April 2010 Ant Insurance agreed to become Appointed Representatives of Columbus Travel Insurance Services Limited which is authorised and regulated by the Financial Services Authority, FSA Reg. No. 311897.  As their Appointed Representative we can continue to provide highly competitive, affordable and excellent quality payment protection products.