Gallagher is the UK branch of the international insurance broking giant Arthur J Gallagher. Their UK headquarters are in London.
They offer Personal Insurance such as Home, Motor and Golfers Insurance.
As a broker, Gallagher passes on customers to a number of insurance companies who underwrite the resulting policies. These underwriters include large insurance companies such as Ageas, Allianz, and RSA.
Our product ratings for Gallagher
Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.
Home emergency cover
1 product reviewed
Boiler Breakdown Cover
1 product reviewed
Gallagher
Classic Home Emergency Cover
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£50.00
|
| No claims period (Boiler) |
2.00
|
| Boiler repair cover limit |
£1,000.00
|
| No claims period |
2.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
£250.00
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Broker
|
| Maximum excess |
£0.00
|
| Premium (maximum excess applied) |
£50.00
|
| Underwriter |
ARAG PLC
|
| Unoccupied period |
60
|
| Individual call out cover limit for boiler repairs |
£1,000.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£50.00
|
| Boiler age exclusions |
No exclusion
|
| No claims period for boiler replacement |
2.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
£250.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
£250.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
£250.00
|
| Boiler replacement (BER) within 8-10 years cover limit |
£250.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£4.00
|
| Primary flue | Yes |
| Boiler controls | Yes |
| Alternative accommodation cover |
Sum insured
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service |
Optional
|
| Repairs guarantee |
12 months
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-03-09
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | Yes |
| Security | Yes |
Home insurance (building and contents)
9 products reviewed
Buildings insurance
4 products reviewed
- Classic Home Insurance Policy (Pen Underwriting Ltd)
- Classic Home Insurance Policy (Covea)
- Classic Home Insurance Policy (Ageas)
- Classic Home Insurance Policy (Prestige)
Gallagher
Classic Home Insurance Policy (Pen Underwriting Ltd)
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£250.00
|
| Matching sets (Buildings) | No |
| Frozen pipes | Yes |
| Trace and access |
£5,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
Gallagher
Classic Home Insurance Policy (Covea)
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£250.00
|
| Matching sets (Buildings) | No |
| Frozen pipes | Yes |
| Trace and access |
£5,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
Gallagher
Classic Home Insurance Policy (Ageas)
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£250.00
|
| Matching sets (Buildings) | No |
| Frozen pipes | Yes |
| Trace and access |
£5,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
Gallagher
Classic Home Insurance Policy (Prestige)
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£250.00
|
| Matching sets (Buildings) | No |
| Frozen pipes | Yes |
| Trace and access |
£5,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
Contents insurance
4 products reviewed
- Classic Home Insurance Policy (Pen Underwriting Ltd)
- Classic Home Insurance Policy (Covea)
- Classic Home Insurance Policy (Ageas)
- Classic Home Insurance Policy (Prestige)
Gallagher
Classic Home Insurance Policy (Pen Underwriting Ltd)
| Feature | Value |
|---|---|
| Matching sets (contents) | No |
| Theft from outbuildings |
£10,000.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£500.00
|
| Property owner liability |
£2,000,000.00
|
| Escape of water excess (minimum) |
£250.00
|
Gallagher
Classic Home Insurance Policy (Covea)
| Feature | Value |
|---|---|
| Matching sets (contents) | No |
| Theft from outbuildings |
£10,000.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£500.00
|
| Property owner liability |
£2,000,000.00
|
| Escape of water excess (minimum) |
£250.00
|
Gallagher
Classic Home Insurance Policy (Ageas)
| Feature | Value |
|---|---|
| Matching sets (contents) | No |
| Theft from outbuildings |
£10,000.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£500.00
|
| Property owner liability |
£2,000,000.00
|
| Escape of water excess (minimum) |
£250.00
|
Gallagher
Classic Home Insurance Policy (Prestige)
| Feature | Value |
|---|---|
| Matching sets (contents) | No |
| Theft from outbuildings |
£10,000.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£500.00
|
| Property owner liability |
£2,000,000.00
|
| Escape of water excess (minimum) |
£250.00
|
Home Legal Cover
1 product reviewed
Gallagher
Personal Legal Cover
| Feature | Value |
|---|---|
| Limit of indemnity per claim |
£50,000.00
|
| Employment - employee | Yes |
| Property damage | Yes |
| Contract disputes - pursue | Yes |
| Property disputes | Yes |
| Standard advisors cost |
N/A
|
| Employment - excess |
£0.00
|
| Contract disputes - defend | Yes |
| Data protection | No |
| Jury service - maximum indemnity limit |
£2,000.00
|