Important information about your insurance
Dear IBT member,
When Philip Williams became part of Howden in 2022, we joined an expert insurance group of talented people with the freedom and support to do what we do best: safeguard you and your interests. Since then, with even greater access to major insurance markets, our team has used our strong insurer relationships, global expertise, and specialist knowledge to achieve the most effective outcomes for you.
To complete our successful integration into the Howden Group, the regulated entity behind the brand will change from Philip Williams (G INS) Management Ltd (“Philip Williams”) to Howden UK Brokers Limited (“Howden”) on 23 February 2026.
What this means for you
Rest assured it will be business as usual for you. There will be no change to the way your insurance is managed, and you will continue to receive the same high level of service you are used to from the same people you do now.
The Philip Williams name will remain, and all correspondence you receive from us will continue to be Philip Williams branded. While overall you will experience business as usual, there are a few changes that we would like to bring to your attention.
Your personal data
All data relevant to the policy/ies arranged by Philip Williams will transfer to Howden and, from 23 February 2026, Howden will assume responsibility for your policy/ies. If you have any concerns about the transfer of policy/ies and data to Howden, please let us know before 23 February 2026 by emailing enquiries@philipwilliams.co.uk. If we do not hear from you, we will take this as being your implied consent to the transfer.
Like us, Howden takes the security of your information very seriously and will always treat your personal details with respect. You can read their Privacy Notice, which explains how Howden treats your data, here. A paper copy can be provided upon request.
Updated Terms of Business Agreement
The Howden Terms of Business Agreement (“TOBA”) can be found here. Please read this carefully as it sets out the terms and conditions upon which Howden will act on your behalf in arranging and administering your insurance contracts. We would draw your attention to Section 5 ‘Your Obligations’ and Section 20 ‘Limitation of Liability’. A paper copy can be provided upon request.
Your current Philip Williams TOBA will continue to apply to any existing policies which were placed prior to 23 February 2026, and the Howden TOBA will apply from renewal. If a mid-term adjustment results in the cancellation of your existing policy and the setting up of a new policy, the Howden TOBA will apply from the start date of the new policy.
Your premium payments
The way you pay your premiums will continue as normal. However, from 23 February 2026, Philip Williams is changing payment processor for Direct Debit payments. The new processor, Go Cardless, will be responsible for all Direct Debit collections from this date. Read their privacy notice here. If you currently pay by Direct Debit, the following will apply.
There is no action required from you to continue paying by Direct Debit, and the change will not affect the service you receive in any way.
If your next payment is currently due for collection between 18 and 24 February, please note your next collection date will change to Wednesday 25 February as part of the transfer process. From March onwards, and for everyone else, payments will continue to be taken on your usual payment date. We will notify you at least 3 working days in advance of any changes to your payment date or amount.
The only other change you will notice is it may appear differently on your bank statement and you will receive new notifications before payment. Rest assured you will continue to see Philip Williams on your bank statement, but it will have a new reference number that will help should there be any queries about your payments.
All your payments will continue to be fully protected by the Direct Debit Guarantee below. If you have any questions about this change, please contact us on 01925 604421.
If you pay us by any other method, when you have your first interaction with us after 23 February 2026 (this could be your next renewal, a new quote, or a mid-term adjustment), we will provide the relevant bank account details at that time to allow payment to be made.
Please quote your Organisation or Scheme name/number when making any payments.
Rest assured that if you inadvertently pay your premium into the incorrect bank account, we will transfer your money into the correct account – by making any such payment to either company, you are authorising that company to transfer the monies to the correct account.
What happens next?
You do not need to do anything – your existing cover is unaffected by this change. When your policy/ies is due for renewal, we will contact you as normal.
We are delighted to have you with us as a client and hope you remain for many years to come. If you have any concerns, we look forward to hearing from you.
Kind regards,
| Steve Williams CEO Philip Williams (G INS) Management Limited |
Warren Dickson CEO, Corporate & Commercial Howden UK Brokers Limited |
