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Insurance Advisor · Perth, Scotland

Insurance made simple — friendly advice, no jargon.

Hi, I'm Joanna Kołodziej. I help families, drivers and small business owners across Perth and Perthshire find policies that actually protect them — without the confusing language or hidden costs.

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Services

Insurance that fits the way you live.

I work with leading UK insurers, so I can compare the market and find the cover that matches your situation and budget — not the other way around.

Home Insurance

Buildings, contents and liability cover for your home — tailored to your property and lifestyle.

Car Insurance

Car policies for UK and international licence holders — compared across leading insurers to get the best deal.

Business Insurance

Cover for self-employed and small businesses: public liability, employers' liability, tools & van cover.

Life & Health

Life insurance, critical illness and private healthcare plans designed around your family's needs.

Travel Insurance

Single-trip and annual cover for travel within the UK and abroad — medical, baggage and cancellation included.

Landlord & Let

Comprehensive protection for landlords renting out property in Scotland — your investment covered end to end.

About me

Why clients choose to work with me.

I've lived in Scotland for over a decade and I understand life here — whether you're raising a family in Perth, running your own business, or balancing ties between the UK and home abroad. Insurance can feel complicated; my job is to make it simple and relevant to you.

As an independent advisor I work with the UK's leading insurers. I'm not here to sell a single brand — I'm here to find the policy that fits you.

  • Clear, friendly advice

    I explain every policy term in plain English (or Polish) — no small print surprises.

  • Independent recommendations

    I'm not tied to a single insurer. I compare the market and recommend what genuinely suits you.

  • Support at claim time

    I help you file claims and deal with the insurer step by step — you're never on your own.

  • Local to Perth

    We can meet at your place, a café, or online — whatever works for you.

Service area

Perth, Perthshire & beyond — online too.

I'm based in Perth and cover the surrounding towns across central Scotland. Live further away? No problem — most things can be sorted by phone, email or video call.

  • Perth
  • Scone
  • Bridge of Earn
  • Methven
  • Stanley
  • Auchterarder
  • Crieff
  • Dunkeld
  • Blairgowrie
  • Kinross
  • Dundee
  • St Andrews
FAQ

Questions I hear a lot.

Short, honest answers. Anything missing? Just ask.

Is the first conversation really free?

Yes — the first chat is always free and with no obligation. I'll listen to your situation, answer your questions, and only suggest next steps if they genuinely help you.

How do you choose which policy to recommend?

I compare cover from several providers based on what fits your needs — price matters, but so do excesses, exclusions and claim support. I'll walk you through the differences in plain English so you can decide with confidence.

I already have insurance. Is it worth speaking with you?

Absolutely. A quick review often uncovers gaps, overlaps or savings. If your existing policy is the best fit, I'll say so — no pressure to switch.

What happens if I need to make a claim?

I'll talk you through the process and help you prepare everything your insurer needs. Having someone in your corner makes a stressful moment a lot easier.

Do you speak Polish?

Yes — I work in both English and Polish. Many of my clients prefer to discuss the details in their first language, and that's completely fine.

How do we get started?

Send a message through the form below, or give me a call or WhatsApp. We'll book a short chat at a time that suits you — in person, by phone or over video.

Contact

Let's talk about your cover.

The first chat is always free and no-obligation. Tell me a little about your situation and I'll put together options for you to compare.

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