Following the recent government instruction to stay at home to control the spread of Coronavirus, we have fully closed our office with all staff now working remotely from home. This means that we are not currently able to open incoming telephone lines however we are still offering a full service online and can help with any query so do not hesitate to get in touch here via Online Chat or visit Contact Us for other ways to reach us. Please see our Coronavirus page for more information.

David Holden


David began his professional insurance career in 1976.

David founded and has been the fundamental driving force behind some of the UK’s best known and respected insurance businesses. SAGA Services, RIAS and Insure4Retirement were all started and developed by David based upon the principles of providing high standards of customer care and excellent value for money products.

David applies close scrutiny to all parts of the business and is responsible for developing Intelligent Insurance as a contemporary brand, challenging the traditional world of insurance. He has an in-depth understanding of the insurance marketplace along with a fresh vision.

Philip Davies


Phil joined Intelligent Insurance during its start-up phase and brings 20 years financial services experience within FTSE organisations including Close Brothers and HSBC.

Prior to Intelligent Insurance he was Finance Director at Insure4Retirement and previously has held a range of finance and operational board positions. Phil is a Chartered Accountant having begun his career with Ernst & Young in London.

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