Lloyd & Whyte Avis 

Sam was absolutely brilliant from start to finish. He was friendly, professional, and took the time to explain everything clearly while helping me arrange my business insurance. The whole process was smooth, and I genuinely felt he was looking for the best option for my business rather than just trying to make a sale.
Excellent customer service throughout. Thank you, Sam—I wouldn't hesitate to recommend you to anyone looking for business insurance.

Great service and expert advice with more complicated house insurance issues.

As secretary of Worthing Musical Comedy Society I have had lots of help from Lloyd & White over many years. Everyone has always been helpful and friendly and none more so than Andrew Scott who recently dealt with our latest renewal, Andrew has answered queries swiftly and efficiently, resolving any concerns.

Lloyd and Whyte have been amazing again this year. Our advisor Lucy Wallace has been absolutely fantastic in helping us get insurance during a difficult time in the business with renovations and development taking place. She made the process an absolute breeze.

I dealt with Oliver for my thatch home insurance who made the process as painless and easy as possible. He was very polite and helped me to make sure I was correctly insured. I strongly recommend Lloyd and Whyte for home insurance,

It was a pleasure dealing with Tracey. She explained things simply and professionally so that I could understand the policy

It was a pleasure dealing with Kathy Middle. She is pleasant, friendly, knowledgeable and at no time did I feel rushed or pressured. She did her best for me until we were both happy with the outcome. I would have no hesitation in recommending her to other clients. All round this an excellent experience.
Dr G Barlow

I have taken over as Treasurer of Holbeton Players and I rang your office to confirm some details about our NODA insurance policy . I spoke to Caitlin Pollard who was extremely helpful and knowledgeable and was able to answer all my enquires.

Megan Tanner was a huge help when needing some guidance about the insurance cover and with the information she provided, we have been able to ensure we’re keeping the safety of the cast as our number 1 priority.

House and contents insurance
I have recently taken out house and contents insurance with Lloyd&Whyte and have been very impressed by the attention to detail and consideration to circumstances Matthew Lindsay has shown, listening to my needs and finding appropriate and competitive cover for my listed property. I would thoroughly recommend.

Your representative was:
Very clear
Very polite
Not talking over me
Listening to me
Helpful, offering to do extra stuff for me
No hurry, giving me time to find information

Always very helpful and come back to my emails promptly- Especially Tania Abd-Alahad Cert CII helpful today.

I have insured my dental practice with Llloyd & Whyte for several years, and have always been very pleased with the service and security it provides me.
Andrew Scott has been particularly helpful recently whilst I updated details regarding my business, and arranged my policy renewal. Thank you

I had the pleasure of working with Alex to review and organise our business insurance, and the experience was excellent from start to finish. As a dental practice owner, it's important to have the right cover in place, and they took the time to understand our business, explain everything clearly, and recommend solutions that suited our needs without any pressure.

Their knowledge, professionalism, and attention to detail gave me complete confidence that our insurance was set up properly. The whole process was straightforward, efficient, and stress-free.

I would highly recommend Alex to any business owner looking for honest, reliable insurance advice and exceptional service.

I am extremely disappointed with my experience with Lloyd & Whyte, specifically with the “Specialist Insurance Adviser”, Billie, whom I spoke to at approximately 13:15 today.

I contacted Lloyd & Whyte following a professional recommendation and fully expected a straightforward process. Unfortunately, based on the service I received, I will not be recommending your company to others.

My insurance requirement was straightforward: public liability insurance only.

To be fair, I completed the enquiry form indicating that I expected to have five employees in the future, so I understand why employers’ liability insurance was mentioned initially. However, that was simply a projection for future business growth and not something I require today. Once I explained that, there was no reason to continue recommending employers’ liability or contents insurance. From that point onwards, it simply felt like upselling rather than listening to what I was actually asking for.

The breakdown in communication occurred when I explained that I required evidence of insurance, not evidence of a quotation.

Billie repeatedly told me this was “not a legal requirement” and suggested I should “Google it.”

Whether it is a legal requirement is beside the point. My NHS contractor application specifically asks for evidence of public liability insurance. I wasn’t seeking legal advice; I was asking a simple due diligence question: if I purchased the policy, would Lloyd & Whyte provide documentation confirming I was insured?

My concern was straightforward. If I purchased the insurance and later had to provide evidence that the policy was in force, I needed to know Lloyd & Whyte could supply it. If they could only provide evidence of a quotation, I risked paying for insurance without being able to progress my application.

I therefore asked, on multiple occasions:

“Once I have purchased the policy, will you be able to provide evidence that I am insured?”

Rather than answering directly, Billie repeatedly returned to saying I would receive evidence of a quotation and that “they won’t ask for anything else.”

With respect, whether somebody else might ask for it was never the question.

The conversation simply went around in circles because the question remained unanswered.

Eventually, after four or five repetitions, Billie finally responded:

“Fine, yeah, we provide it.”

So the answer was “yes” all along.

It is difficult to understand why such a straightforward question required so much unnecessary debate. Had that answer been given at the beginning, Lloyd & Whyte would almost certainly have had an immediate sale. Instead, I was left feeling as though asking perfectly reasonable due diligence questions was somehow an inconvenience.

I would ask that the recording of the call be reviewed, if one exists.

I believe it will clearly demonstrate that I remained calm, patient and polite throughout, despite having to repeat the same question several times. Even at the end of the call, after the frustration had built up, I still wished Billie a great rest of her day. I have no concerns whatsoever about the recording being reviewed because I believe it will accurately reflect both my conduct and the issues I have raised.

What makes this even more disappointing is that I was fully prepared to purchase the policy immediately so I could submit my NHS application without delay. Instead, I finished the call with less confidence in the advice I had been given than when I started.

I had multiple telephone appointments arranged with competing insurance providers later that day. Every one of them answered my due diligence questions directly, professionally and without confusion or unnecessary debate. None of those conversations resembled my experience with Lloyd & Whyte. The contrast could not have been clearer.

I have no issue with being offered genuinely relevant products. However, I do expect a specialist insurance adviser to answer a straightforward due diligence question directly, particularly when it determines whether a customer can proceed with an important NHS application.

I hope this complaint is reviewed alongside the call recording so the quality of advice and communication can be assessed objectively. My issue is not with the insurance product itself. It is with a conversation that should have taken minutes but instead became unnecessarily difficult because a simple question was repeatedly avoided before eventually being answered.

Lloyd & White have been very efficient and helpful with seeking out and arranging the best home cover for me for 10 years or so.
I’ve been looked after by Emily who has helped with moving to new insurers/ underwriters when appropriately and contacted me in a timely manner to renew.
Importantly - they have emphasised and avoided the problem of under insurance which can be a risk when using online comparison sites without a more thorough appraisal of requirements, etc.
Many thanks.

Elliot was really good at communicating and was really helpful

Made the process easy for me and the business

I have always corresponded with Sarah, commercial insurance consultant, regarding our practice insurance. She is very knowledgeable, extremely polite and friendly and always provides valuable information and advice. Highly recommended and with customer services like that we will continue to use Lloyd and Whyte

Elliott Risely was extremely helpful with explaining and arranging the cancellation of our insurance policy due to the sale of our business.

Scott was very helpful and explained my policy renewal documents proffessionally. I have found Lloyd Whyte to be a very helpful company and would highly recommend them.