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Caring - Understanding - Reliable - Advice

Protection Insurance Experts

Are you wanting to provide some financial protection to your family if you pass away? Or have some financial security if you fall ill and are unable to work?

Our team advise on personal, business and group protection insurance. Our knowledge of life insurance, critical illness cover and income protection, has led to us winning multiple national and local awards, for our ability to truly help our clients to protect themselves and their family.

Cura was setup in 2012 by Alan and Kathryn Knowles, and having worked within insurance since 2005, they have trained and grown a team of insurance experts, to support you. We are based in the seaside town of Filey and are proud that our work has led to us being recognised as a leading protection expert within the UK.

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Life Insurance

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Critical Illness Cover

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Income Protection

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We speak with over

35 insurers

to find the right one for you and your loved ones

High Risk Insurance

Have you been refused Life Insurance, Critical Illness Cover or Income Protection? Are you concerned that you might struggle to get cover because of your health, occupation, pastimes or travel?

We understand how important insurance is and how difficult it can be to get the cover if you have pre-existing medical conditions, a hazardous occupation, take part in dangerous sports or frequently travel abroad.

My name is Mike and I have been a client of Cura for about 12 months now. I needed Cura’s help because I was utterly frustrated. I was wanting life insurance because we had bought a new house. And my experience of buying that new house with the insurance provider had been utterly as frustrating as when I bought my first house 25 years ago.

In terms of getting the life insurance I needed, they took me through the whole process and as people will know there are a lot of forms. And a lot of questions that had to be answered. But working with Alan. He knew the ones that were absolute had to be answered in relation to my disability. And in relation to the impact of my disability on the question that got asked. But actually what he didn’t do and what he said he did not need to do was necessarily pry further than the questions that needed answering and for some that where it was clear that my disability did not have any material impact we were able to move on. So for me it was a hugely, hugely impressive customer experience. I felt like Mike rather than an individual who was disabled who was begging to get life insurance and who accepted because I was disabled my premiums were going to be much higher.

Terms of the final outcome Cura absolutely got me where I needed on all fronts and at a price which was comparable with non-disabled people. And in a way in which I came out of the experience really feeling like I was a valued customer and I have to say to you in all my experience with insurance previously, that has never been the case. I don’t think I would have got such a good outcome. If I hadn’t been working with Alan and Cura because I think in terms of the market and this is me honestly, and I know the insurance industry quite well, they get it. They absolutely get it and they put themselves in the shoes of the customer. They understand the rules and the boundaries and the questions that have to be asked, some of the sensitive questions some of the more private questions that have to be asked and I understand that but the way it was said, the boundaries, the sensitivities, it made it a really different experience and if other disabled people can have an experience that I have and they can replicate it and I’m sure Cura can, there is a huge, huge market opportunity for Cura with thousands of disabled people, who just like me want a good quality customer experience.

The best thing about working with Cura, is that they first and foremost understand disability. They understand customer service. They understand what good customer service means for disabled people. And they understand insurance and the way in which insurance has to be introduced to disabled people including those sensitive questions, but done in a way that makes the customer really feel valued. The words I would use to describe Cura and Alan, innovative, creative, if I can use a phrase, they get it.

Health Conditions

Have you had a serious medical condition such as cancer, stroke, diabetes, HIV or heart disease?
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High Risk Occupations

Do you have a hazardous occupation? For example a deep sea diver, offshore worker or are you part of the Armed Forces (RAF, Navy, Army)?

Foreign Travel

Do you frequently travel abroad or visit potentially dangerous countries such as Afghanistan, Libya or Iraq?
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Hazardous Pastimes

Do you partake in dangerous activities or hazardous pastimes such as motor sports, private aviation, diving or sailing?
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