Toogoods

Toogoods offer a comprehensive suite of services including commercial insurance, employee benefits, life insurance and mortgage broking.

Clients are a central focus of the Clear business and Toogoods is no exception. The Toogoods team work to ensure they have a thorough understanding of their clients’ needs. It’s important that they offer reliable service and support – not only at the new-business stage, but also at every review and renewal of the policies previously arranged.

About Toogoods

The Toogoods business was formed on family values, proudly portrayed through the family name. Charles Toogood founded the business in 1957. His son, Richard, later took over the running of the business in 1976 and in more recent years, Richard’s son, Peter stepped into the management position.

Toogoods was acquired by Clear in 2025. They continue to trade under the Toogoods name but now, have greater access to specialist knowledge to tailor solutions to the evolving needs of the client.

Private clients

When you have a lifestyle worthy of a little extra protection, that peace of mind comes from tailored, high-net-worth insurance that is right for you and truly protects what’s important.

Due to the complex nature of the affairs of high-net-worth individuals and their families, the issues and challenges faced by clients of Toogoods are unique to individuals.

Clients benefit from a service that has been designed to suit their lifestyle, providing levels of cover that might not otherwise be found on standard insurance policies.

This level of service is exemplified by experienced claims handling, providing a dedicated and proficient claims service concluding your claims as quickly as possible, professionally and without fuss.

Commercial clients

Whether your corporate insurance requirements are of a statutory, financial or tangible nature, Toogoods provide bespoke solutions.

Toogoods focus on building long-term client relationships with companies who are looking for the right insurance solutions for their business needs.

Working closely with you but without taking unnecessary time to do so, Toogoods ask the questions to ensure they understand your business and insurance needs, delivering a truly bespoke solution for you.

The Toogoods team can provide advice and services relating to:

Larger commercial insurance risks

including risk analysis and control

Small and medium sized businesses (SMEs)

Landlords insurance

Toogoods have established an experienced and dedicated property team. The team specialises in providing insurance solutions and advice to landlords, property owners and land owners.

They have several years of experience dealing with ‘non-standard’ properties and wide variety of tenant types including; asylum seekers, charity lets, serviced accommodation and house in multiple occupation (HMOs).

Types of property risks that Toogoods can accommodate:

Residential properties

Commercial properties

Portfolios (including mixtures of residential and commercial)

Unoccupied properties

Properties of non-standard construction

Properties with cladding

Policyholders with poor claims history

Wide variety of tenant types

Landowners liability

Covers that can be selected on a property owners policy are:

Buildings

Landlords contents

Rent receivable

Alternative accommodation

Property owners liability

Employers liability

Legal expenses

Terrorism

Employee benefits

Toogoods can support you in selecting the right employee benefits package and managing these benefits on a day-to-day basis. They also provide ongoing guidance to help you promote these covers effectively across your organisation.

Group life insurance (GLA)

Formerly known as Group Death in Service (GDIS), GLA provides a lump-sum payment if an employee passes away while employed by your business. This payment is made to their chosen beneficiaries, typically a partner or child, to offer financial support at a difficult time.

Private medical insurance (PMI)

PMI offers employees prompt access to private healthcare, including specialist consultations, diagnostic tests and treatment. It is designed to cover the cost of treatment in private hospital or ward, or through a private consultant and practitioner. There is a wide range of benefit options available, to suit your budget and requirements. Prompt treatment supports getting employees back into the business quickly, reducing sickness absence costs.

Dental insurance

Dental insurance works in a similar manner to PMI, offering varying levels of cover. It provides financial support towards the cost of dental treatment carried out by a dentist. With dental charges increasing this supports your employees to ensure they have access to dental treatment.

Employee assistance programme (EAP)

EAPs offer confidential guidance and advice for employees needing help with areas such as mental health, bereavement, financial wellbeing and general personal challenges. They ensure employees have access to professional support when they need it most.

Group income protection (GIP)

GIP provides financial support during long-term sickness or injury by paying a percentage of an employee’s salary after a specified absence period. It offers financial security through regular income payments. This cover will also support the business in employees returning to work.

Group critical illness cover (CIC)

CIC pays a lump-sum benefit if an employee is diagnosed with a medical condition listed under the policy, this can be based on the stage of the illness too. This support can help ease the financial impact of a serious illness.

Health cash plan (HCP)

HCPs give employees set cash pots to support for a range of everyday health and wellbeing costs – most commonly dental, optical and physiotherapy. Many providers also include additional services such as 24/7 digital GP access, EAP support, and discounts across health, retail, travel and lifestyle.

Contact Toogoods

Address

Toogoods, Duncombe House, Ockham Road North, East Horsley, Surrey KT24 6NX

Email

easthorsley@thecleargroup.com

Phone

01483 285363

Need support to secure your mortgage?

C R Toogood & Co Ltd provide specialist independent mortgage advice for everyone, from first time buyers, remortgagers through to experienced buy-to-let landlords. Reach out to the team using the link below.

Mortgages

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Toogoods is a trading style of Clear Insurance Management Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales number: 3712209 Registered Office: 1 Great Tower Street, London, EC3R 5AA.