Toby helped us with a number of policies from life and trauma to ACC. We found his approach friendly and thorough making sure all bases where covered properly. We really appreciated the extra effort and time taken to make sure things were done properly, as our family has seen first hand what can happen when inappropriate cover is put in place. Toby has even been helped my brother with his claim. I would highly recommend Toby to anyone setting up cover, whether its your first time arranging cover, or you think you are already well covered as we did. One friendly easy to understand meeting with Toby and you will know what is really needed and possibly even save money.