Penny & Wells Ltd

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Penny & Wells Ltd

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Please contact Penny & Wells for a no-obligation chat.

Penny & Wells Ltd are an independent insurance brokerage with access to over 240 insurance providers, specialising in Personal, Private Client and Commercial Insurances.

01/11/2026

🔨 Planning a renovation or extension?
Building works can significantly affect your insurance cover - and standard home policies often don't cover properties undergoing major works. It's essential to speak to a broker before work starts, not after something goes wrong.

We specialise in building works insurance - get in touch before you break ground.
📞 pennyandwells.co.uk

27/10/2026

💡 Insurance news and tips - updated regularly on our website.
Whether you're a homeowner, landlord or property investor, our news section covers topics that matter to you.
🔗 pennyandwells.co.uk/news

26/10/2026

🙏 We're genuinely grateful for every kind word our clients share.

Thank you, Robyn. I really appreciate your taking the time to send your feedback.

If you'd like the same experience, we'd love to hear from you.
https://pennyandwells.co.uk/

21/10/2026

⚠️ Are you sure your home is insured for the right amount?

Lots of homeowners set their buildings cover based on what their property is worth - but that's not the figure that matters. What counts is the rebuild cost, and for many homes it's a very different number.

Underinsurance is one of the most common - and costly - mistakes we see. If you're not sure your cover adds up, get in touch and we'll help you check. 👇
🌐 pennyandwells.co.uk

17/10/2026

📋 Managing an HMO comes with a unique set of responsibilities - and your insurance should reflect that.

Standard buy-to-let policies aren't built for Houses in Multiple Occupation. The occupancy profile, the regulatory requirements and the risk profile are all different and only specialist HMO insurance properly accounts for that.

At Penny & Wells, we have the experience to make sure you're covered correctly as both a property owner and a landlord.
Get in touch to find out more.
🌐 pennyandwells.co.uk

07/10/2026

🔔 Did you know there's a shipwreck at the heart of the insurance world?

In 1799, HMS Lutine was carrying a fortune in gold and silver across the North Sea when she was caught in a storm and sank off the Dutch coast. All but one of her 240-strong crew were lost - and so was the entire cargo.

Lloyd's of London, which had insured the cargo, paid the claim in full within two weeks of the disaster. That single act cemented the reputation of the insurance industry - proof that when it matters most, a good insurer pays.

The ship's bell was later recovered and hung in Lloyd's Underwriting Room, where it was traditionally struck once for the loss of a ship and twice for a safe return. It still hangs there today. A great story - and a reminder of what insurance is really about.
🌐 pennyandwells.co.uk

(Image credit: Londonist.com)

06/10/2026

Kind words from Harry, who trusted Penny & Wells to sort out his insurance properly.

Whilst I am always happy when I can save people money, what is far more important is helping them to make sure they have the right cover – just in case they ever need it. I was very pleased to be able to do that for Harry.

Straightforward, honest advice - that's always been our promise.

We'd love to help you next. 🔗 pennyandwells.co.uk

04/10/2026

🔐 Did you know October is Cyber Security Awareness Month?

Cyber threats aren't just a big-business problem: small and medium-sized businesses are increasingly in the crosshairs too. Phishing, ransomware, data breaches: the risks are real and growing.

The best place to start is simply knowing what to look out for. We've put together some practical guidance on our website this month - take five minutes to have a read and share it with your team.

One more piece of good news worth knowing: cyber security insurance has become more accessible and more competitively priced in recent years so if it's something you've looked at before and moved on from, it might be worth revisiting.
🔗 https://pennyandwells.co.uk/stay-alert-to-cyber-attacks/

01/10/2026

☕ Insurance was born in a coffee shop - and we think that's worth knowing (because today is International Coffee Day!).

In 1686, Edward Lloyd opened a coffee house on Tower Street in London. It became a popular place for sailors, merchants and shipowners, and Lloyd provided them with reliable shipping news.

Over time, merchants began offering to share the risk of voyages in exchange for a fee - and an industry was born. That coffee shop by the Thames became the centre of marine intelligence and founded the modern insurance industry.

More than 330 years later, the principle is exactly the same: someone takes on your risk, so that if the worst happens, you're not facing it alone.

That's what we do at Penny & Wells - just without the coffee shop. Though we're always happy to chat over a coffee. ☕

🌐 pennyandwells.co.uk

Address

440 The Grange
Romsey
SO510AE

Telephone

+442382516756

Website

http://pennyandwells.co.uk/

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