Mission
Help people choose insurance they can describe in their own words. If a client cannot explain a benefit to someone they love, the conversation is not finished.
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About Us
We started CebaPay because too many households were signing cover they could not explain a week later. The desk still exists for that one reason.
Our story
A Desk Built Around the Policy, Not the Poster
CebaPay began more than thirty years ago as a small review table. Advisors sat with families, read the wording out loud, and refused to move on until the exclusions made sense. The name came later. The habit stayed.
Today the same table holds life, health, home, motor, travel, and income files. We are not a catalogue. We are the people who slow a decision down until it fits the household in front of us. A policy is a promise with edges. Our work is to show those edges while there is still time to choose differently.
Households change. Children arrive, parents age, homes are bought and sold, jobs shift from a salary to a studio, trips get longer. A cover that was honest five years ago can be the wrong shape now. That is why every file has a renewal note, not just a payment reminder.
- ✓Plain-language summaries kept with the original wording.
- ✓A named guide who can reopen the file without starting over.
- ✓Claim support that explains outcomes, including declines.
What we hold ourselves to
Mission, Promise, and Measure
Promise
We will name the limits, the waiting periods, and the events that are outside the policy before we talk about a monthly figure. Surprise belongs nowhere near a claim.
Measure
We count files that have a written reason for every cover kept or declined, and claim files that open with a person, not a ticket number alone.
A short history
How the Desk Grew
The reading table
Three advisors start reviewing life policies line by line with young families who had been sold a sum assured and little else.
Home and motor join the file
Clients ask us to look at the house and the car with the same patience. We add property and motor guides rather than sending people elsewhere without notes.
Health, explained slowly
Hospital limits and outpatient caps become a standing workshop. Priya’s team builds the comparison sheets we still use.
Travel and income
Longer trips and independent work change the questions. We add travel medical reviews and income protection that matches real benefit periods.
One named guide
Every household file has a person who can retell the decision. The tools are newer. The standard is the same conversation we started with.
Who we sit with
Households, Not Segments
We guide first-time buyers of life cover, people remortgaging a home, drivers comparing repair choices, travellers leaving for a month, and anyone whose income would stop if illness lasted longer than their savings.
We also sit with people who already hold policies and suspect the paperwork no longer matches their life. Bringing an old document is welcome. We read what you have before we suggest anything new.
CebaPay does not replace the insurer that issues a contract. We prepare you for that contract: what it is likely to say, which questions to ask, and which documents a claim will want. When a policy is issued, the wording of that policy governs. Our notes are there so you can recognise it.
Request a conversationHow a file moves
Four Meetings, Then a Living Note
Picture
People, property, income, and trips. We write the risks you already know about.
Options
Two or three cover shapes, with exclusions visible, not hidden in a footnote.
Decision
You choose. We record the reason, including covers you deliberately skip.
Aftercare
Renewal, a life change, or a claim reopens the same note with the same guide.