Insurance Premium Finance.
Keys Finance is a leading independent premium finance provider founded in 1991. As proud BIBA Associate Members, we are dedicated to being the preferred premium finance partner for commercial insurance brokers, not just for today but for the long term.
Commercial Premium Finance built for brokers.
We specialise in funding commercial insurance premiums. Whether you’re a small community insurance broker serving local businesses or a regional corporate brokerage with a wider reach, our commitment is constant with a service that is fast, flexible, and built around you and your clients. We are proud to deliver premium finance with a premium service.
As we are independently owned, we make decisions quickly, adapt fast, and provide responsive, personalised support to brokers across the UK. Our long-standing commitment to the commercial insurance sector gives us the scale, resilience, and infrastructure to confidently support high-volume business and complex corporate requirements
Why choose Keys Finance.
We work in close partnership with insurance brokers,taking the time to understand your objectives and deliver a tailored premium finance faciltiy that integrates seamlessly into your brokerage.
Same-day underwriting
In most cases, underwriting decisions & CDD checks are provided on the same day. Our commercial focus and experienced team enable us to act swiftly while maintaining underwriting discipline and clarity.
Dedicated relationship support
Each broker maintains a dedicated point of contact. We focus on continuity and promptness, making sure you always deal with someone who understands your business.
We do not operate in a call centre environment, so you can expect consistent, direct communication with our team
Competitive brokerage terms
Finance rates and facility structures are customised specifically to your brokerage.
Transparent client charging
We operate with a fair, honest, and transparent finance charge structure that helps brokers maintain trust with their clients.
A simple and structured premium finance process.
Our insurance premium finance facility is designed to be simple, secure, and efficient, from proposal submission to premium settlement.
The process follows three clear steps:
Enter client and premium details via our secure online submision portal.
Your client will recieve a link to their premium finance agreement via email to review and sign their agreement.
Once the agreement is signed, premium settlement is made on the agreed date, enabling you to proceed with certainty.
Behind the process is dedicated support from a responsive team that understands your brokerage and commercial client base.
Efficient systems. Clear communication. Predictable outcomes.
Industry partnerships.
Our dedication to the broker market is demonstrated through the organisations we collaborate with.
As BIBA Associate Members, we take pride in supporting the professional standards and development of the UK insurance broker community.
Our collaboration with Touchstone Underwriting unites like-minded businesses with a common focus on supporting brokerages of all sizes across the UK to flourish through quality products and excellent service.
These partnerships demonstrate our long-term commitment to the commercial insurance sector and our dedication to upholding trusted relationships within it.
Premium Finance. Premium Service.
A stable and responsive underwriting approach.
Commercial markets change. Premium sizes fluctuate. Economic conditions evolve.
Our independence enables us to respond swiftly while upholding underwriting discipline and consistency. As we focus solely on commercial insurance premium finance, our decisions are guided by sector expertise rather than broad retail lending frameworks.
We deliver speed and clarity without sacrificing long-term stability.
Supporting brokers across the UK and Ireland.
With offices in Belfast and London, Keys Finance supports commercial insurance brokers throughout the UK and Ireland.
We collaborate with a carefully chosen panel of broker partners, cultivating relationships founded on transparency, service, and long-term growth.
Speak to a premium finance specialist.
If you are looking for a stable, independent insurance premium finance partner with commercial expertise and a long-term outlook, our team is prepared to discuss your needs.