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Insurance Advisor · Perth, Scotland

Insurance,
protection and
peace of mind.

I help families, drivers and small business owners across Perth and Perthshire find the right cover to protect what matters — clear advice, in English and Polish.

Get in touch Our services
Our Products and Services

Insurance and protection
tailored to you.

I work with leading UK insurers so I can compare the market and recommend the cover that fits your situation — not the other way around. Get in touch to find out more about the following:

Home Insurance

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

  • Buildings & contents
  • Accidental damage
  • Home emergency cover

Car Insurance

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

  • Comprehensive cover
  • International licences
  • Young & new drivers

Business Insurance

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

  • Public & employers' liability
  • Tools & van cover
  • Professional indemnity

Life & Health

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

  • Life insurance
  • Critical illness cover
  • Private healthcare

Travel Insurance

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

  • Single-trip & annual
  • Medical & cancellation
  • Family & business travel

Landlord & Let

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

  • Buildings & contents
  • Loss of rent
  • Landlord liability
About

Here for you,
for life's journey.

Who I am

I'm Joanna Kołodziej, an independent insurance advisor based in Perth, Scotland. I've lived here for over a decade and I understand life on the ground — whether you're raising a family, running your own business, or balancing ties between the UK and abroad.

What I do

I offer advice on a range of insurance and protection products that can support you to reach your personal goals. Whether you're buying your first home or simply want peace of mind, I'll work with you to find the best solutions suited to your needs and help put you in control of your plans.

Clear advice

Every policy term explained in plain English — or Polish. No jargon, no small-print surprises.

Independent

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

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Commercial Lending and most Buy to Let mortgages are not regulated by the Financial Conduct Authority.

"For us, financial advice is personal."

— The Openwork Partnership
In Partnership

Part of
The Openwork Partnership.

I am proud to be part of The Openwork Partnership — one of the UK's largest and longest-established financial advice and investment companies. Through many changes and challenges we have been a constant presence for over 45 years, serving two generations of clients together.

Every firm is individual and distinct, yet we share values and standards with each other — for the benefit of our clients. As a partnership we work together to:

  • Maintain the highest standards of compliance and regulation.
  • Fully research the financial products available and work with product providers to secure the best solutions for clients.
  • Access correct training and professional development.
  • Sustain quality standards in the advice we give our clients.

I care about the personal difference I can make helping my clients and their families look forward to a better future with confidence and optimism. If it matters to my clients, it's a matter of personal importance to me.

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.

Get in touch

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