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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