Plain English policies
Every document is written to be read once and understood. Exclusions sit next to the cover, not twelve pages later.
Plain English cover, no small print games
Protection for what matters.
Pajong takes the jargon out of insurance so you can see what you are covered for, what you are not, and what it costs, in minutes.
- One page
- Policy summaries you can actually read
- Monthly
- Pay monthly, cancel any time
- Human help
- Talk to a person when you need one
Insurance that behaves itself
Four things we would want from a policy, so they are the four things Pajong is built around.
Cover that fits your life
Start with what you actually need, add products as things change, and drop the ones you have outgrown.
Fast, fair claims
A clear route from first message to decision, with the timings written down so you know where you stand.
Cancel any time
Monthly cover with no exit fees. If Pajong stops being useful to you, leaving takes a couple of clicks.
Cover finder
Answer four quick questions and we will suggest a bundle with an indicative monthly range. Adjust it as much as you like. It is a demonstration, not a quote.
Cover finder
Question 1 of 4
Where are you right now?
This helps us judge how much cover is likely to be useful.
No personal details needed. Nothing is stored.
How it works
Three steps, and you can stop at any of them. Nothing renews without you knowing.
- 1
Tell us about your life, not your paperwork
Where you live, who depends on you, how you work. No policy numbers, no forms to dig out.
- 2
See what is covered, side by side
Each product shows what it pays for and what it does not, in the same words, so comparing is quick.
- 3
Choose, adjust, and keep control
Pay monthly, change your cover as life changes, and see the price move before you commit.
Products
Five products, each doing one clear job. Combine them or take one on its own.
Home
Buildings, contents, or contents only if you rent. Accidental damage is an option, not a hidden extra.
- Fire, flood and theft
- Contents away from home
- Alternative accommodation
Life
A lump sum paid to the people you name, over a term you choose. Written in one page of plain English.
- Fixed or decreasing cover
- Trust set-up included
- Cover review each year
Travel
Single trip or a year of them, with kit and cancellation cover that matches how you actually travel.
- Medical and repatriation
- Delays and cancellations
- Baggage and equipment
Small business
For sole traders and small teams: liability, tools and the cost of being unable to trade for a while.
- Public liability
- Tools and stock
- Business interruption
Gadget
Phones, laptops and the things you carry every day, covered for damage, theft and loss.
- Accidental damage
- Theft and loss
- Worldwide use
Not sure what you need?
The cover finder builds a starting bundle from four questions, then you take it apart until it fits.
Claims promise
The timings we would hold ourselves to, written down. Illustrative for this concept demonstration.
- Step 1
Same day
You tell us what happened, in a message or on the phone. No claim form to download.
- Step 2
Within 2 days
A named person picks up your claim and tells you exactly what they need from you.
- Step 3
Within 10 days
A decision on straightforward claims, with the reasoning in writing.
- Step 4
Within 5 days of approval
Payment sent, or the repair booked with someone local.
Who this is for
Illustrative scenarios, written to show how the products fit together. They are examples, not real customers.
Renting your first flat
Contents and gadget cover, nothing more. Your landlord insures the building, so you only pay for what is yours.
Running a small business
Liability and equipment cover alongside income protection, because a quiet month is easier to plan for than a lost quarter.
Thinking further ahead
Life cover with home and travel, reviewed each year so the amount still reflects what you owe and who relies on you.
About the name
Pajong is a Dutch borrowing associated with the Malay word payung, meaning umbrella or parasol. It also names the ceremonial parasol carried above someone as a mark of protection and rank.
We liked that an umbrella is such an ordinary object with such a clear job. It does not stop the rain. It just means the rain does not land on you. That is the idea we wanted a protection brand to carry, and it is why the umbrella sits at the centre of our mark.
Frequently asked questions
Short answers, in the same plain English as the policies.
Ask us anything
Tell us what you are trying to protect and we will reply in plain English. This is a concept demonstration, so the form does not send anything.
- Plain answers. No sales script, no pressure to buy today.
- No hidden data. This demo keeps everything in your browser.
- Real enquiries. For the brand or the domain, email info@exergist.com.