Our products
Explore the cover we can arrange through licensed insurers. Each product page explains common protection areas, who may need it and how Pendulum supports the decision.
For individuals and families
Cover for your vehicle, home, health, financial obligations and the people who depend on you.
Protection for private and commercial vehicles, from compulsory third-party cover to broader comprehensive protection.
Typical protection areas
Suitable for: Private motorists, commercial vehicle owners and fleet operators.
Cover for a residential building, household contents or both, structured around how you own or occupy the property.
Typical protection areas
Suitable for: Homeowners, landlords and tenants.
Guidance on healthcare plans, provider networks and benefits for individuals and households.
Typical protection areas
Suitable for: Individuals, couples and families comparing health plans.
Protection and savings-linked options designed around dependants, education goals and long-term financial milestones.
Typical protection areas
Suitable for: Parents, income earners and people planning for long-term goals.
Cover intended to support eligible loan obligations after specified events such as death, disability or involuntary job loss.
Typical protection areas
Suitable for: Borrowers, lenders, cooperatives and employee-loan schemes.
For SMEs and organisations
Protection for assets, people, liabilities, goods and the operational risks behind business growth.
Employer-arranged life assurance that provides a defined benefit for eligible employees and their beneficiaries.
Typical protection areas
Suitable for: Employers, associations and organised employee groups.
Protection for business premises, equipment, stock and income exposed to insured physical loss or interruption.
Typical protection areas
Suitable for: SMEs, retailers, manufacturers, offices and multi-location businesses.
Combined property protection against fire, forced-entry theft and selected additional insured events.
Typical protection areas
Suitable for: Shops, offices, warehouses, schools and property-owning organisations.
Protection against specified legal liabilities arising from third-party injury or property damage connected to business activities.
Typical protection areas
Suitable for: Businesses that interact with customers, visitors, contractors or the public.
Cover for specified claims alleging professional error, omission, negligence or breach of professional duty.
Typical protection areas
Suitable for: Consultants, advisers, technology firms and regulated professionals.
Protection against defined direct financial loss caused by fraudulent or dishonest acts of insured employees.
Typical protection areas
Suitable for: Businesses whose employees handle cash, stock, accounts or valuable assets.
Cover for insured goods while being transported domestically by road or other agreed means.
Typical protection areas
Suitable for: Distributors, retailers, manufacturers, logistics businesses and wholesalers.
Protection for goods moving internationally and for vessels, machinery and related marine interests.
Typical protection areas
Suitable for: Importers, exporters, vessel owners, charterers and marine operators.
Broad accidental-loss or damage cover for specified portable equipment and valuable business assets, subject to exclusions.
Typical protection areas
Suitable for: Businesses with laptops, specialist equipment, tools or mobile assets.
A coordinated policy package that combines selected property, liability and operational covers for simpler administration.
Typical protection areas
Suitable for: SMEs seeking several complementary covers under one programme.
For contracts and complex exposures
Contract guarantees and tailored protection for exposures that need a more specialised market approach.
A guarantee supporting an employer or project owner where advance funds are released to a contractor or supplier.
Typical protection areas
Suitable for: Contractors, suppliers, project owners and procurement-led organisations.
A contract guarantee intended to provide agreed financial protection if contractual performance obligations are not met.
Typical protection areas
Suitable for: Construction firms, contractors, suppliers and project owners.
Business-owned protection against the financial impact of losing an individual whose contribution is critical to the organisation.
Typical protection areas
Suitable for: Founder-led firms, partnerships and businesses dependent on specialist expertise.
Risk protection for eligible agricultural activities, assets and production exposures.
Typical protection areas
Suitable for: Farmers, agribusinesses, cooperatives and agricultural lenders.
Advisory support for eligible insurance-based arrangements connected to employee retirement and long-term benefit planning.
Typical protection areas
Suitable for: Employers, associations and organisations reviewing employee benefit programmes.
Need help choosing?
Some exposures overlap more than one policy, and the right structure depends on your circumstances. Tell us what you need to protect and we will help you identify suitable options to discuss with insurers.
