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Lloyd Vine
  • Home
  • Insurance
    • Business Protection >
      • Key Person Insurance
      • Shareholder Protection
    • Commercial Insurances >
      • Manufacturing
      • Construction
      • Trades Liability Plus
    • Employee Benefits >
      • Group Income Protection
      • Group Life
      • Group Private Medical
      • Relevant Life Cover
    • Holiday Insurance
    • Home Insurance >
      • Home Insurance
      • High Net Worth Home Insurance
    • Motor Insurance >
      • Motor Insurance
      • Young Drivers
    • Personal Protection >
      • Critical Illness Cover
      • Income Protection
      • Life Assurance
    • Private Medical Insurance
    • Professional Indemnity
  • Investment
    • Pension & Retirement >
      • Auto Enrolment
      • Company Pensions
      • Flexi-Drawdown Pension
      • Group Personal Pension
      • Pension Annuity
      • Personal Pension
      • Self-Invested Personal Pension
    • Savings & Investments >
      • Investment Bonds
      • Investing For Children
      • ISA (individual Savings Account)
      • Lifetime ISA
  • Mortgages
    • Your Home Mortgage >
      • Introduction
      • Property Surveys
      • Mortgage Consultation
    • Buy To Let >
      • Buy to Let Types
      • Portfolio Landlords
    • Commercial Mortgages >
      • Commercial Mortgages
      • Limited Company Buy to Let
    • Holiday Home Finance
    • Let to Buy
    • Second Home
    • Self Build
    • Mortgage Calculator
  • Quotes
    • Conveyancing
    • Life Insurance
    • Mortgage Protection Life Cover
    • Income Accident & Sickness Pay Cover
    • Family Income Protection
    • Protection Quotation Form
    • Whole Life Quotation Form
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  • Contact Us
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About Us

Lloyd Vine has traded for over thirty three years. We have built a reputation based on trust and personal service. We are totally independent. We work exclusively for our clients and would urge everyone to understand this most important distinction from many other ways to purchase your financial services.

We have stood firm to our belief in providing a vital service to both businesses and private individuals, making sure that their insurance and financial arrangements meet their demands and needs. Insurance & Financial Services can be extremely complex, with contracts containing many terms, conditions, exclusions and warranties, which is why it's in your best interest to obtain professional advice.

We are directly authorised and regulated by the Financial Conduct Authority. This provides our clients with absolute security. The Financial Conduct Authority regulate many areas of the financial services market and we are authorised to give you investment, insurance and mortgage advice. A copy of our Client Agreement which includes our Initial Disclosure Document and Terms of Business can be found by clicking on the Documents menu item.

We have embraced technology, but do not subject you to it. We still offer a personal service with no telephone queues.  
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Independent Financial Advice Fees

Leading up to 2013 the Financial Conduct Authority (FCA) carried out  a RETAIL DISTRIBUTION REVIEW. Changes were designed to ensure independent investment Financial Advisers acted as professionals. This resulted in a higher level of qualifications being required and the stopping of commissions payments on all new investments. This means advisers now charge fees for their advice and services.

Both ourselves and our clients far prefer this change. Clients know without doubt that the advice is sound and unbiased and cannot be influenced by any differences in commission. 

Free advice? You will not obtain specific free financial advice and certainly not proper advice. You should be extremely wary of anyone offering free advice. To advise you properly a lot of work has to be carried out including collecting all your financial & family (and/or business) information. Firms offering free advice will offer little at your first meeting and usually make the highest charges for completing any work thereafter. If you think about it, how can anyone truly advise you on a first meeting when they know nothing about you?

We can offer prospective clients a free meeting. This isn’t designed to give you specific advice about your situation. It’s a chance to see how we work, how much we charge and for you to get a sense of whether you feel comfortable with us. If all is okay, then we may collect some of your details ready to progress further. We agree fees with you for any further instructions, before any committment. Please follow this link to understand a little more.

Lloyd Vine's fees are extremely competitive as we strive to keep our overheads down for the benefit of our clients. They are usually well below the average recorded at Unbiased.com. If you are considering appointing an Independent Financial Adviser, make sure you ask what their ongoing fees will be for carrying out certain works. 

If you would like to read more about the FCA review of the professional status of Independent Financial Advisers, please click here.

Please note. Not all our services are subject to charges and you will always be fully informed in advance if charges apply and how much. 

T H E   T E A M

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Adrien Vine ACII, DiIP, Cert CII(MP)
Partner
Chartered Insurance Practitioner
​Independent Financial Adviser
​adrien.vine@lloydvine.co.uk
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George Jubb BSc, Cert CII(MP)
Mortgages & Protection Insurances
george.jubb@lloydvine.co.uk
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Francesca Horn
Commercial & General Insurances
francesca.horn@lloydvine.co.uk

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Yvonne McGill
Commercial & General Insurances
​yvonne.mcgill@lloydvine.co.uk
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​
Kerri Whelan
Personal Insurances
​kerri.whelan@lloydvine.co.uk
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​Sue Vine
Accounts & HR
​sue@lloydvine.co.uk

Lloyd Vine Insurance Brokers & Independent Financial Advisers are directly authorised and regulated by the Financial Conduct Authority. 146521.
Copyright All Rights Reserved © 2017 Lloyd Vine Insurance Brokers


Hours

M-F: 9am - 5pm

Telephone

023 80601601

Email

mail@lloydvine.co.uk

About Us


  • Home
  • Insurance
    • Business Protection >
      • Key Person Insurance
      • Shareholder Protection
    • Commercial Insurances >
      • Manufacturing
      • Construction
      • Trades Liability Plus
    • Employee Benefits >
      • Group Income Protection
      • Group Life
      • Group Private Medical
      • Relevant Life Cover
    • Holiday Insurance
    • Home Insurance >
      • Home Insurance
      • High Net Worth Home Insurance
    • Motor Insurance >
      • Motor Insurance
      • Young Drivers
    • Personal Protection >
      • Critical Illness Cover
      • Income Protection
      • Life Assurance
    • Private Medical Insurance
    • Professional Indemnity
  • Investment
    • Pension & Retirement >
      • Auto Enrolment
      • Company Pensions
      • Flexi-Drawdown Pension
      • Group Personal Pension
      • Pension Annuity
      • Personal Pension
      • Self-Invested Personal Pension
    • Savings & Investments >
      • Investment Bonds
      • Investing For Children
      • ISA (individual Savings Account)
      • Lifetime ISA
  • Mortgages
    • Your Home Mortgage >
      • Introduction
      • Property Surveys
      • Mortgage Consultation
    • Buy To Let >
      • Buy to Let Types
      • Portfolio Landlords
    • Commercial Mortgages >
      • Commercial Mortgages
      • Limited Company Buy to Let
    • Holiday Home Finance
    • Let to Buy
    • Second Home
    • Self Build
    • Mortgage Calculator
  • Quotes
    • Conveyancing
    • Life Insurance
    • Mortgage Protection Life Cover
    • Income Accident & Sickness Pay Cover
    • Family Income Protection
    • Protection Quotation Form
    • Whole Life Quotation Form
    • Travel Insurance
  • Contact Us
  • News
  • Documents