About R T Waters

R T Waters was founded in 1960 by Robin Waters. In 2014, the company was acquired by Graeme and Sara Olsen who continue to manage the business with the values introduced by Robin, focusing on expert advice with personal service. In 2020, Trevor Hayter MD was promoted to the board of directors and became a shareholder.

Located in Leatherhead, R T Waters Ltd is a personal and commercial insurance broker with more than 100 years of combined employee experience. We blend a professional approach with a personal level of service, to ensure our clients benefit from policies which tie in perfectly with their specific needs. Our team is always on hand to help.

We have High Street premises which welcome clients in Surrey. Regional and nationwide clients can also speak to one of our team on the telephone. We also offer an out-of-hours helpline. R T Waters Ltd also provides face-to-face appointments with our home insurance brokers or commercial insurance brokers for a more personal service.

We’ve added the personal touch to insurance for over 60 years so, when only the best will do, R T Waters Ltd has the expertise to match you up with a policy that fits in perfectly with the way you live, work or drive.

Company Testimonials

We pride ourselves on offering a personal service with expert advice. Don’t just take our word for it. Here is what a few of our clients have to say about us:

“During my time with R T Waters I have been seriously impressed with the service Angel Rogers has provided arranging my insurance renewals. As well as being so friendly on the phone whenever we speak, she is always exceptionally diligent making sure every detail is correct on my policies. I feel everything is taken care of so I don’t have to worry. Recently, Angel went the ‘extra mile’ for me arranging personal and business travel insurance cover. It took almost a week of back and forth with the underwriters but Angel kept at it in a way many brokers would not have done and ultimately I emerged with a policy which allowed me to feel confident of the cover whilst abroad on my travels. For the foreseeable future I will continue to use Angel as my broker for all my insurance renewals, as given the level of service I receive, I would be mad not to do so!”

Sam Smith

“Goldex Investments Group Ltd is the largest UK Costa Franchise and we have been working with R T Waters for many years. The continuous support and advice that the team at R T Waters offer is second-to-none; they are always on hand to offer assistance to our offices, whilst dealing with all our insurance needs. We wouldn’t have any hesitation in recommending the services they provide.”

Goldex Investments Group Ltd, A Costa Franchise Partner

“Working with R T Waters in particular Rebecca Barrett is effortless. Knowing all our polices are tendered annually gives us valve for money. Having a point of contact handling the day to day queries are equally important as the bigger picture. I value the speed or service and attention to detail.”

Emilio Aleo, Bristal Investments / Leisure inc Knightsbridge Ltd

“Sterling have enjoyed a strong and long term relationship with R T Waters and value them as a Partner. We find them professional, friendly and efficient.”

David Sweeney, Sterling Insurance Group

“I have been a customer of R T Waters for many years. I have always found them to offer a professional, polite and personal service whilst remaining competitive with their quotes. The thing I like the most is that you can pick the phone up at any time, and you will speak to a sensible human being who is always able to answer your questions. You never get put on hold for ages and then get put through to some call centre on the other side of of the world. Recently I needed to make arrangements for a rather complicated insurance policy for an elderly aunt of mine, and once again all my questions were answered, the advice I needed was given, and the policy was put in place within the space of an hour. Thank you very much to everyone involved, and long may you continue to prosper.”

Mr S Mowbray, Epsom, Surrey

“We have worked closely with Rebecca and R T Waters over the years, who has always gone above and beyond resolving our commercial and private insurance issues. Rebecca always applies her excellent commercial awareness and personable skills ensuring that all of our matters are effectively resolved. It is always a pleasure working with Rebecca!”

Kafeel Khan Managing Director, Goldex Investments Essex Ltd T/A Costa Coffee

“This is now the second year I worked with Georgeeana on getting the best buildings insurance deal. It was again a smooth experience. Georgeeana is very responsive, always trying to accommodate the last changes or new information. I feel I have the best deal on the market. I would highly recommend working with her.”

Margarita Madrid

“I have various policies with you as does my daughter and I just wanted to express my appreciation for the help given to us by your Angel Rogers. I have worked in insurance broking all my life before retiring and with some very large companies and it is so different dealing with a small caring and very efficient company where the customer really is looked after, we have many somewhat complex policies and your company have never failed yet in finding a market for us. Thank you once again for all your help and please pass this message on to your caring and efficient staff.”  Regards David

David Cole

Proud BIBA Member

At R T Waters Ltd, we understand how important it is to be careful when choosing an insurance broker. Whether you require a home insurance broker or a commercial insurance broker, your eventual choice plays a vital role in protecting everything you value, and all of the things you’ve worked so hard for over the years. As a car insurance broker too, our own services extend to cover the needs of all customers and clients in the Leatherhead area.

Like any reputable home or business insurance broker, R T Waters Ltd has British Insurance Brokers Association (BIBA) membership. For your peace of mind, you should always choose an insurance broker with BIBA accreditation.

Why is BIBA Membership Important?

As the UK’s premier insurance intermediary organisation, BIBA represents the interests of both brokers and their clients. Whether you choose R T Waters Ltd as a home insurance broker, a commercial insurance broker, a car insurance broker or a combination of all three, we always put your interests first.

This includes providing advice, managing risk and, of course, offering the most suitable insurance cover to homeowners, businesses and drivers in all parts of Leatherhead.

In short, BIBA is the leading voice of the insurance sector so, while our home and business insurance brokers ensure you have the best protection, BIBA oversees the interests of all parties involved. To gain BIBA membership, home and commercial insurance brokers must meet stringent criteria. A key aspect of this is complying with a Code of Conduct.

From business and home insurance brokers, all the way through to car insurance brokers, BIBA advises its members to:

  • Abide by all necessary laws, regulations and principles. In the case of personal and business insurance brokers, there should never be any compromises in adhering to regulatory principles and the law

  • Act with honesty and integrity. All car, home and commercial insurance brokers, whether in locally or in any other UK location, should conduct themselves in a trustworthy, fair and transparent manner

  • Act in the best interests of the client. Home insurance brokers and business insurance brokers have a duty to make good decisions based on the client’s personal priorities, needs, circumstances and concerns

  • Act with care, diligence and skill. Put simply, BIBA members must operate to the highest standards at all times. You should expect nothing less from any home, business or car insurance broker in the Leatherhead area

BIBA membership represents the gold standard for any home or commercial insurance broker. At R T Waters Ltd, we strongly advise against working with any broker who doesn’t hold this accreditation. With High Street premises in Leatherhead, our home insurance brokers, and our team of business insurance brokers, have a proven track record for delivering first-class services in all neighbouring Surrey areas.

We even have useful information and access to a handy client portal on our company website.