Rafael Ortega, Commercial Lines Director
Keystone Cover

Rafael Ortega

Rafael looks after business clients, from sole traders to companies with sixty staff. He is the person who asks what you actually do before pricing anything, because the answer changes which insurers will quote and what they will exclude.
LinkedIn
@
rafaelortega
Instagram
What we cover

Work with Rafael on your cover

Every policy below is placed and looked after by the team, from the first quote to the claim.
Home insurance
Buildings and contents cover compared across our panel, with accidental damage explained before you choose.
Learn more
Motor insurance
Car, van and multi-car cover priced across 30+ insurers, with the excess and extras set out side by side.
Learn more
Business insurance
Liability, indemnity, stock and premises cover for small companies, arranged by a broker who asks what you do.
Learn more
Life insurance
Term and whole-of-life cover, priced across the market and recommended in writing, with no pressure.
Learn more
Travel insurance
Single-trip and annual cover with medical limits you can read, for families, over-65s and existing conditions.
Learn more
Health insurance
Private medical cover compared by hospital list, excess and outpatient limits, so you know what you pay for.
Learn more
What you get

What comes with every policy

Whichever insurer you end up with, the service around the policy is ours. These four things come as standard.
Talk to a broker
A named broker
One person who knows your file and answers the phone, from the first quote to the renewal.
Whole-of-market comparison
Quotes from a panel of 30+ insurers, with the differences between them explained side by side.
Claims support
We manage the claim with the insurer for you and chase it until it is settled.
A renewal review every year
Six weeks before renewal we re-run the market and tell you, in writing, whether it is worth moving.