Home & contents
Buildings, contents and the awkward extras — a home office, a bicycle, the tools in the shed. We set the rebuild figure together so you are not underinsured on the one day it matters.
01
Independent · Home · Auto · Life
Insurance that fits the life you actually live
I am Rowan Ilesby, an independent agent working with a shortlist of insurers I trust. You tell me what needs protecting; I come back with options in plain language and explain the trade-offs before you sign anything.
One contact
The same person handles your quote, your renewal and your claim question.
Plain wording
Every quote comes with a short note on what is excluded, not just what is included.
No pressure
Compare, ask questions, sit on it. A quote is a starting point, not a commitment.
02
What I cover
Three lines of cover, arranged properly
Most households need some mix of these. Where they overlap, I make sure you are not paying twice for the same protection.
Auto
Everyday driving, a second car, a young driver joining the policy. I compare excess levels and repair terms side by side, because the cheapest premium is rarely the cheapest claim.
Life & family
Term life, income protection and critical illness, sized to the things that would still need paying: the mortgage, school costs, the gap while someone gets back on their feet.
03
How it works
From first message to renewal
Nothing is automated behind the scenes. Here is the whole process, so you know what you are agreeing to before you start.
1
Tell me the shape of it
Send the form below with what you want covered and when your current policy renews.
2
A short conversation
We talk through the details that change the price: usage, occupants, prior claims, what you would self-fund.
3
Options, side by side
You get a comparison with the excess, limits and exclusions written out — not just three numbers.
4
Set up and check back
I handle the paperwork, then review it before renewal so the policy keeps matching your life.
04
About
An agent, not a call centre
Lime Margin is a one-person practice. I started it after too many years watching good people buy cover they did not understand, and then find out at the worst possible moment. The fix is unglamorous: fewer clients, longer conversations, and quotes written so a person can read them.
- Independent. I am not tied to a single insurer, so I can say when a policy is the wrong fit.
- Exclusions up front. Every recommendation names what is not covered before you decide.
- Support at claim time. If something happens, you get help assembling the claim, not a reference number.
05
Questions
The things people ask first
If yours is not here, put it in the message box below and I will answer it directly.
Does it cost anything to get a quote?
No. Quotes and the conversation around them are free, and there is no obligation to take one up. If you decide to proceed, I will explain exactly how I am paid on that policy before anything is signed.
I am mid-policy. Can I still switch?
Usually yes, though it is not always worth it. Send me your renewal date and I will tell you honestly whether to move now or wait — sometimes the cancellation terms outweigh the saving.
What do you need from me to start?
To begin, just the basics: what you want covered and roughly when it renews. Later I will ask for your current schedule of cover and any claims history, since those drive the pricing.
What happens if I need to claim?
Contact me first. I will walk you through what the insurer will ask for, help you gather the evidence, and stay on the file until it is settled or properly explained.
Do I have to bundle everything with one insurer?
Not at all. Bundling sometimes lowers the total and simplifies renewals, but it can also mean accepting a weaker policy on one line. I will show you both arrangements and let you choose.
06
Get a quote
Tell me what needs protecting
One short form. I read every message myself and reply with either a set of options or the questions I need answered first.
- No obligation and no follow-up sequence — one reply, then it is your move.
- Not sure which cover you need? Choose “Not sure yet” and describe the situation.