From
£6.49/month
Trustpilot
4.9/5
Underwriter
SAGIC
Founded
c. 2011
Reviewed by Karen Purnell, Editor · Last checked 11 September 2026
Surewise is a specialist UK insurance intermediary — trading name of Sure Wise Limited — focused on niche products including mobility scooters, storage and carers/PA insurance. It's FCA-authorised (firm reference 618327) and its carers policies are underwritten by SAGIC, the Salvation Army General Insurance Corporation, whose profits support The Salvation Army's charitable work.
Is Surewise carers insurance any good?
Yes, based on independent review scores: Surewise holds an “Excellent” rating on Trustpilot, sitting at around 4.9/5 across several thousand reviews — among the strongest scores of any provider we compare for carers cover, and notably higher than some of the other options on this page.
How much does Surewise carers insurance cost?
Surewise prices by employment status rather than a single flat rate: cover starts from £6.49 a month for self-employed carers and PAs, and from £5.17 a month for those buying employer's liability cover to insure a carer they employ directly. That range makes it one of the more affordable options once you account for the exact cover you need.
What does Surewise cover?
Surewise's carers and PA policies include:
- Public liability insurance (self-employed carers and PAs)
- Employer's liability insurance up to £10 million (for those employing a carer, including via direct payments)
- Personal accident and legal expenses cover on selected policies
- No excess to pay on claims
- Cover tailored at quote stage for self-employed, employed, agency and direct-payment arrangements
Because Surewise separates its self-employed and employer products, it's worth choosing the right one at quote stage rather than assuming one policy covers both situations.
Surewise pros and cons
Pros
- Separate self-employed and employer products, so you're not overpaying for cover you don't need
- No excess on claims
- Consistently excellent independent review scores
- Underwriter profits support charity (SAGIC/Salvation Army)
Cons
- Headline price depends on which policy (self-employed vs. employer) you need — check both before assuming the cheaper one applies to you
- Professional indemnity is not automatically bundled — confirm it's included if you provide health-related tasks
- Cover levels and inclusions should be checked at quote stage, as they vary by arrangement
Our verdict on Surewise
Surewise is a strong starting point for carers and PA insurance, particularly if you know whether you need self-employed public liability or employer's liability cover — its pricing structure rewards buyers who pick the right product. Backed by consistently excellent review scores and a charitable underwriter, it's a sensible first quote to get.
Pricing and review scores correct at time of writing (September 2026) and sourced from Surewise's own website and Trustpilot. Policy terms and prices are set by Surewise and may change — always check current details directly with the provider before buying.