Business Details
16 Years
experience
Independent Insurance Protection Experts
Established in 2010, VITA has been providing independent expert advice to UK residents, specialising in protection services that safeguard families, businesses, homes, and incomes. Our team of Chartered Insurance Institute-certified advisers offers tailored solutions through partnerships with major UK insurers, including Legal & General and Aviva. With over 1 billion of cover arranged for clients, we combine technical expertise with a client-centric approach, handling claims personally to ensure policy proceeds deliver as promised.Recognised by Moneyfacts and Health Insurance Awards, our 99% positive customer feedback reflects our commitment to impartial advice and exceptional service. We operate from Cardiff Bay but serve clients nationwide through dedicated advisers, maintaining regulatory compliance under the Financial Conduct Authority. Our founders continue to lead by example, demonstrating unwavering dedication to protecting what matters most in our clients' lives.
Services
Life Insurance
Income Protection
Critical Illness Cover
Business Protection
Home Insurance
Details
- Year established: 2010
Highlights and features
- Award-winning protection specialists with 15 industry awards
- Chartered Insurance Institute-certified protection advisers
- Personalised service with dedicated client advisers
- Partnerships with leading UK insurers including Aviva and Legal & General
- 99% positive customer feedback rating
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Professional advisers
Smooth claims process
Tailored solutions
Impartial advice
Services
Life Insurance
Life insurance provides financial protection for dependents in the event of policyholder death. Our tailored solutions ensure family security through lump sum payouts or mortgage protection. Policies can be structured as term or whole-of-life cover, with options to include critical illness benefits. We work with leading UK insurers to find appropriate solutions for individual circumstances.
Income Protection
Income protection insurance replaces a portion of earnings when illness or injury prevents work. Our policies provide ongoing financial support through monthly payments, continuing until recovery or policy end. Coverage can be tailored to occupation-specific risks, with flexible deferment periods and benefit durations. This essential protection helps maintain living standards during unexpected work absences.
Critical Illness Cover
Critical illness cover provides lump sum payments upon diagnosis of specified serious conditions. Our policies cover major illnesses like cancer, heart attacks, and strokes, offering financial breathing space for treatment and recovery. Coverage can be standalone or combined with life insurance, with options to include multiple condition diagnoses. We help clients understand policy terms and exclusions.
Business Protection
Business protection safeguards companies against financial losses from key person absence or shareholder changes. Our solutions include key person insurance, partnership protection, and business loan cover. These policies ensure business continuity through capital provision for recruitment, debt repayment, or share buyouts. We help business owners protect their assets and maintain operational stability.
Home Insurance
Home insurance protects residential properties against damage to buildings and contents. Our policies cover risks like fire, theft, and weather damage, with optional add-ons for high-value items and legal expenses. We provide tailored solutions for homeowners and landlords, ensuring appropriate coverage levels for property investments. Claims are handled with sensitivity and efficiency.
People
Barry Pappin
Director & Protection Specialist
Barry co-founded VITA in 2010 with Paul Reed, bringing extensive protection expertise. He specialises in business protection solutions and personally handles claims to ensure client support. With a background in financial services, he focuses on delivering impartial advice while maintaining regulatory compliance.
Paul Reed
Director & Protection Specialist
Paul established VITA with Barry Pappin after 15 years in financial services. He specialises in personal protection solutions and maintains active client relationships. His experience includes high street banking roles, identifying market gaps for specialist protection advice. He continues to develop VITA's award-winning service model.
Questions
What types of insurance does VITA offer?
We specialise in life insurance, income protection, critical illness cover, business protection, and home insurance solutions.
Are VITA's advisers qualified?
All our protection advisers hold the Financial Protection unit from the Chartered Insurance Institute.
How does the claims process work?
Our directors personally handle claims, providing support with documentation and ensuring timely policy proceeds payment.
Can I get protection advice online?
While we offer online resources, we recommend speaking directly with our advisers for tailored protection solutions.
Are policies regulated?
Yes, we operate under the Financial Conduct Authority's regulatory framework as an appointed representative of Capital Protect Ltd.
Do you work with UK insurers?
We partner with major UK insurers including Legal & General, Aviva, and Zurich to provide diverse coverage options.
Reviews (4)
Andrew McFarlane
Nov 17, 2021
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Jordan Liddle worked over several months to find me suitable life insurance, given my heart condition. He was meticulous, professional throughout, and didn't give up, even although it looked like a lost cause. Delighted with his service, and with the life cover he helped me get.
Bukky Makinde
Apr 28, 2021
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Positive:Quality
The service was good, helpful and accurate. The advisor explained the service to me and does not use jargon languages.
The service was good, helpful and accurate. The advisor explained the service to me and does not use jargon languages.
Rosaline Agyekum
Apr 27, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Jack was very helpful and carefully explained what information was required. He made sure I had read and understood everything before moving forward with the purchase of my insurance policy. He was very polite and provided an overall great customer service.
Jack was very helpful and carefully explained what information was required. He made sure I had read and understood everything before moving forward with the purchase of my insurance policy. He was very polite and provided an overall great customer service.
Emma Eynon
Jan 18, 2021
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Positive:Professionalism,Responsiveness
Jordan was extremely helpful, he called back several times to find the information we needed from the insurers and to confirm that everything was correct. He got me a great deal considering there were some obstacles. I highly recommend the service.
Jordan was extremely helpful, he called back several times to find the information we needed from the insurers and to confirm that everything was correct. He got me a great deal considering there were some obstacles. I highly recommend the service.
