Refined is an exclusive division of Surgeon Insure specifically designed to protect your high value assets including property, contents over £75,000 and prestigious vehicles over £50,000.


Motor Insurance

Finding specialist Vehicle Insurance for your Prestigious Vehicles, Supercars and Hypercars valued over £50,000 is time consuming. Cosmetic Insure have a team of advisors who have exclusive access to insurers who provide a policy that can be tailored to you.

High performance and Prestige cars

Classic Cars

Rare Super Cars

Collectors Cars

Agreed value

Cherished plate cover, up to £10,000

Modified or imported prestige vehicles

Comprehensive cover as standard

Unlimited cover for driving in Europe

Multi car policies available



At Refined by Surgeon Insure we provide specialist insurance for all your requirements an ensuring peace of mind especially in the event of a claim when you need it most.


Home Insurance

Time is as precious as your valued possessions and property, Refined by Surgeon Insure have an expert team of specialists ready to ensure you are fully protected. If your contents cover exceeds £75,000 you need a specialist provider, Refined by Surgeon Insure have bespoke packages available to meet all of your requirements.



Art, Antiques, Collectables




Garden Machinery



Main home, 2nd Home, UK and Overseas holiday Homes and let properties

Includes Cyber Insurance as standard – cover for cyber ransoms, crimes, hacks and virus infections



Life Insurance

Life insurance protects your loved ones after you’ve gone. If the worst were to happen our life insurance policy gives you peace of mind that any financial commitments are taken care of – from your mortgage, childcare costs, funeral expenses to debts and household bills – We’ve got you covered.



We can provide cover from as little as £5 per month for £100k cover - that's as little as 17p a day!


(price may vary based on age, gender, medical history, health and level of cover)