Meet the team behind countless 5-star reviews and claims success stories.

Who we are

Umbrella Financial was founded in Cardiff in 2016 by our Managing Director, Matt Collins. In the last five years, Matt’s customer-based approach to business has helped thousands of customers find exactly what they’re looking for through insurance packages, mortgages, will-writing and more.

Now, the Umbrella Financial team is made up of a dedicated team professionals with a total of over 100 years of experience to their name. Depending on what you’re looking for, you’ll be introduced to the right person to help you out. Come and meet them!

Our mission

"Umbrella Financial are on a mission to provide individuals and their families throughout the UK with peace of mind by helping them prepare for the unexpected challenges that life will throw at us." 

Matt Collins

Principal - Managing Director

Umbrella Financial

Meet the team

Matt Collins

Principal - Managing Director

Chris Collins

Head of Mortgages and Protection

Emma Hughes

Case Manager

Beth Phillips

Senior Protection Manager

Jon Kift

Senior Protection Adviser

Tom Dix

Senior Protection Adviser

Cobi Flowers

Senior Protection Adviser

Ben Davies

Senior Protection Adviser

Ben Bridson

Senior Protection Adviser

Ross Mackintosh

Senior Protection Adviser

Jack Maynard

Senior Protection Adviser

5-star service

Throughout Facebook, Google and Word of Mouth, we have consistently hit 5-star reviews across the board, proving that our tailored, relationship-based approach to our many forms of cover is what our customers are looking for. Here’s just a few of the comments our customers have given to us.

"The easiest and stress-free experience"

I contacted Beth for income protection and it was the easiest and stress-free experience. Beth is so lovely to work with, her explanation and breakdown of everything and knowledge are second to none. I can’t thank you or recommend you highly enough! Thank you so much.

Dave Griffiths

"Chris made what is normally a really stressful process feel easy and straightforward."

We have just received our mortgage offer and can not thank Chris Collins enough! Chris made whats normally a really stressful process feel easy and straightforward. Chris maintained a friendly, helpful and proactive service from start to finish. We would not think twice about contacting Chris in the future to help us with any other mortgage-related matters. Thanks again.

Penny Bell

"Emma made the process easy."

Emma was the most fantastic person I have dealt with when dealing in a policy such as this. I was so happy throughout and felt Emma made the process easy and that I was getting the correct product to meet my needs. I have already been recommending Emma to family and friends.

David & Joanna

"Within 24hrs my claim was being processed"

Matt was a massive help, brilliant service from day 1. Called him after I had my accident and within 24hrs my claim was being processed. Would highly recommend them for anyone looking for income protection cover.

George Brimson

"When I needed to claim everything was done smoothly with no fuss."

Matt was faultless through the whole process, he was absolutely outstanding. There was no pushy sales pitch, he advised me on products suitable for my circumstances whilst keeping them within my affordability. I have had my policy for two years (income protection and fracture cover due to rugby) and when I needed to claim everything was done smoothly with no fuss. I had my dislocation payout within 5 working days of claiming.

Luke Myatt


Why choose Umbrella Financial?

Over 100 years experience

Our expert team is waiting to help you and have all the experience you could need to do just that.


We aim to introduce you to the best in the business. There’s no need for a sales-based approach here.

Tailored approach

You tell us your budget and life position, we take care of the rest. You’ll never buy anything you don’t need from us.

Dedicated aftercare

Need help in making a claim? We’re by your side to ensure the providers pay the money you deserve.


Amount of cover on risk


Value of mortgages arranged


Amount of claims paid


Average star rating


Interested in joining the amazing team, here at Umbrella Financial? Think you could add to the high levels of experience we have? We’re always on the lookout for the right people to make our customers journey even stronger, so reach out today if you think that could be you.

We’re looking for people who:

  • Are ambitious and think outside the box.
  • Have a strong moral compass and always want to help.
  • Get on well with people in general.
  • Want to be in control of their own destiny.

Experience and suitable qualifications are preferred, although all training will be required. The bottom line is, Umbrella Financial puts personality first.


What’s in it for you?

Umbrella Financial is always expanding, and we want to bring the best people into the team. As such, we’re willing to offer an attractive package to all of our employees. If you’re successful in your application, you’ll be able to enjoy all of the following:

  • A strong, flexible pay structure that rewards you for the work you put in.

  • Experience in dealing with some of the biggest insurance providers, mortgage lenders and solicitors in the game.

  • Full administrative support so that you can go back to doing what you love best: helping customers.

  • Business development support to help with your personal growth and tailor your journey within the company.

  • A full training package including sales support through to client relationship management.

Whether it’s more information on how our team can help you, or you’d like to tell us how you can help our team, reach out to us today.

Speak with us today.