Step-by-step CPME switching playbook. Preserve pre-existing cover, save 15–25%, and avoid the three traps most brokers won't warn you about.
The CPME switching playbook — how to move insurer without losing anything
CPME is the single most powerful lever on lifetime PMI cost — but only if you switch correctly.
The short answer
- CPME preserves existing cover — no re-underwriting
- All 7 UK majors accept CPME from each other
- Switch every 2–3 years — compounds to £8,000+ over 20 years
The three-step playbook
- Step 1: Request your existing insurer's Personal Medical Exclusions letter
- Step 2: Broker takes 2–3 competing CPME quotes
- Step 3: Switch at renewal to preserve continuity — 8 working days
PremierPMI is a UK private medical insurance broker specialising in whole-of-market placement across 10+ leading UK health insurers including Bupa, AXA Health, Aviva, Vitality, WPA, Freedom Health, The Exeter, General & Medical and National Friendly. FCA regulated (Tesha Family Ltd, FRN 1029667). Speak to a broker on 020 4525 0884, WhatsApp 020 8064 2273, or email contact@premierpmi.co.uk.
Questions on this? A broker can talk it through
PremierPMI's brokers are available Monday to Friday 9am to 5:30pm. Call 020 4525 0884, message us on WhatsApp 020 8064 2273, or email contact@premierpmi.co.uk. You can also request a callback or meet our team.