Penny & Wells Ltd

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Penny & Wells Ltd

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.

20/12/2025

Another great turnout this year for the Eastleigh Rotary annual Christmas Santa Sleigh routes around Eastleigh and Chandlers Ford. Over £1300 raised with the help of Eastleigh Scouts, which will go to good causes which both organisations support - including local & national charities and scouting initiatives. Network Magazines Limited

30/06/2025

I often say, if you can smash it, crash it, flood it or burn it, we can find insurance to protect it.

Some things can be harder to find cover for, and sometimes you might wish to combine multiple things into one policy. I’m just a click or a call away and I can get that done for you.

Do you have a collection or an item you’re not sure how to cover? I love a challenge – reach out and let’s talk.

26/06/2025

Your recommendations are the best form of support, and I appreciate every one! Building trust, and providing a service you can count on, is always top of my list.

⭐⭐⭐⭐⭐ “Adam has been nothing short of outstanding recently when helping me with various insurances. I also recommended him to a friend where he was absolutely excellent. I have no hesitation to recommend Adam to everyone I know and intend to do so.” – Daniel

23/06/2025

Time is ticking, and you don’t have to waste it on searching through insurance policies. Get an insurance broker on board and let them sort through the options for you.

You’ll know yourself, having your own area of expertise – in your industry you can get things done faster and more thoroughly because you have years of experience, and access to contacts who can smooth the way.

It's the same for me. I’ve worked in insurance for over thirty years, and as an insurance broker I can source you the most suited policies, at the best value, efficiently and fuss-free.

Save time and energy – give me a call!
https://pennyandwells.co.uk/

19/06/2025

Having an independent insurance advisor is a benefit, because unlike agents who represent specific companies, I work for YOU. I provide unbiased expertise to help you navigate the complex insurance landscape. Together we secure the right level of coverage for your needs and budget.

Ready to talk insurance? Call, message or email – I’m here to help.

16/06/2025

You don’t have time to sit in a call centre queue. Even if you do, I’m pretty sure you don’t want to.

Most people feel fine about their insurance company choice until the day they try to make a claim or ask a question. On that day, if the call centre queue doesn’t deter them, the red tape and terms will do it.

Some insurance companies have excellent systems in place – but if you want to skip the queues entirely then an insurance broker service might be for you.

Look me up here, I’m ready to help:
https://pennyandwells.co.uk/

12/06/2025

There’s no doubt, taking out insurance can feel a bit unsettling, especially if you’re not familiar with particular terms or policies. It’s part of my job to remove any niggling worries for you. I can answer questions, offer advice and generally set your mind at ease, every step of the way.

⭐⭐⭐⭐⭐ “Adam gives you great peace of mind knowing that your home is insured properly which you would never get if buying insurance online. Expert advice and service.” – George’s Rockstars

09/06/2025

Keep the good bits. Discard the bits you don’t need.

When you’re looking for insurance online, policies might have elements missing that you need, but you take it because it seems to have most of what you DO need…

But then you have to look elsewhere to find policies which can fill up the gaps.

As an independent insurance broker, I can combine your cover – tailoring your policies to your unique requirements and ditching what you don’t need. Instead of juggling multiple insurers, you’ll only need my number in your phone when you have a question.

However you like to communicate, reach out to me – email, whatsapp, phone – I’m not far away.

05/06/2025

A Maximum Indemnity Period (MIP) is the time during which claims can be made under a policy following a loss. If a MIP expires claim payments cease, even if the sum insured has not yet been exhausted.

Therefore, MIPs must account for worst-case scenarios. This includes considering a vast range of circumstances that can add significant time to an organisation’s recovery. Here are just a few examples:

🟪 Thinking and decision time
🟪 Making planning enquiries and applications
🟪 Environmental issues
🟪 Meeting strict listed-building requirements
🟪 Long lead times for replacing plant, machinery and other essential property
🟪 Discovery of hazardous materials, such as asbestos
🟪 Potential Health and Safety Executive (HSE) inquiries or proceedings
🟪 Seasonality – a loss may cause a business to miss important trading periods

Preparing for a worst-case scenario shouldn’t start at the beginning of a claim - it should begin at the outset of cover. If you’re not sure your MIP is long enough, talk to me.

02/06/2025

Ghost Brokers – have you heard of them? The Insurance Fraud Bureau (IFB) has detected an increase in ghost broker activity in recent years, and young motorists are being warned to watch out for their fake car insurance policies.

Ghost brokers alter policy details to make them appear cheap and it may only be when someone tries to make a claim that they realise the policy is not valid.

Here are some Ghost Broker Red Flags shared by the Independent:

🚩The policy may be unrealistically cheap, with an upfront quote.
🚩The seller only wants to communicate in private direct messages on social media or WhatsApp.
🚩The advert may look unprofessional.

Read more and explore the “Stop! Think Fraud” campaign here:
https://www.independent.co.uk/news/uk/home-news/hanson-abi-yougov-city-of-london-police-association-of-british-insurers-b2750158.html

29/05/2025

To everyone who has ever left a review for me on my Google page, Thank you! It’s very much appreciated!

⭐⭐⭐⭐⭐ “Adam was fantastic from start to finish and provided my business with exactly what we needed, not just what we wanted. He took the time to understand our business, our challenges and then provided solutions which worked for us. It was great working with Adam and we'll be working with him again for our other insurance needs in the future.” – Jon

27/05/2025

A Fantastic Night for The Point Eastleigh!
Penny & Wells Insurance Brokers were thrilled to sponsor the networking event at The Point Eastleigh — and what an incredible turnout! It was fantastic to see so many local professionals and businesses connecting, sharing ideas, and building new relationships.
We were also treated to an inspiring and energetic talk from Roger Lamb, a business coach and professional actor, who brought valuable insights with a touch of theatre!
The speed networking session was a real highlight — fast-paced, fun, and full of opportunity.
We’re already excited to announce that our next event is in the works for September. Watch this space!

The Point BNI Royal Wessex Voice FM Networking Chandlers Ford (NCF) Members Group

Address

440 The Grange
Romsey
SO510AE

Telephone

+442382516756

Website

http://pennyandwells.co.uk/

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