At Refined by Cosmetic Insure we provide specialist insurance for all of your personal insurance requirements and ensure peace of mind especially in the event of a claim when you need it most.

Refined is an exclusive division of Cosmetic Insure specifically designed to protect your high value personal assets including property, contents over £75,000 and prestigious vehicles over £50,000.

Home Insurance

    Time is as precious as your valued possessions and property, Refined by Cosmetic Insure have an expert team of specialists ready to ensure you are fully protected. If your contents cover exceeds £75,000 you need a specialist provider, Refined by Cosmetic Insure have bespoke packages available to meet all of your requirements.


    • Buildings
    • Contents
    • Art, Antiques, Collectables
    • Jewellery
    • Watches
    • Guns
    • Garden Machinery
    • Staff
    • Events

    Main home, 2nd Home, UK and Overseas holiday Homes and let properties

    Includes Cyber Insurance as standard – cover for cyber ransoms, crimes, hacks and virus infections.


    Motor Insurance

    Finding specialist Vehicle Insurance for your Prestigious Vehicles, Supercars and Hypercars valued over £50,000 is time consuming.

    Cosmetic Insure have a team of advisors who have exclusive access to insurers who provide a policy that can be tailored to you.

    • High performance and Prestige cars
    • Classic Cars
    • Rare Super Cars
    • Collectors Cars
    • Agreed value
    • Cherished plate cover, up to £10,000

    • Modified or imported prestige vehicles

    • Comprehensive cover as standard

    • Unlimited cover for driving in Europe

    • Multi car policies available

    Life Insurance

    Life insurance protects your loved ones after you’ve gone. If the worst were to happen our life insurance policy gives you peace of mind that any financial commitments are taken care of – from your mortgage, childcare costs, funeral expenses to debts and household bills – We’ve got you covered.

    We can provide cover from as little as £5 per month for £100k cover – that’s as little as 17p a day!

    (price may vary based on age, gender, medical history, health and level of cover)