Our Story
Where it began
The business began with Ralph, known for being meticulous and deeply knowledgeable. He built his reputation on doing things properly, paying attention to detail, and making sure clients were genuinely looked after.
At the time, the business operated as Transport and Allied Insurance Brokers.
Rachael calls him “the professor,” and that description has always stuck because it reflects the standard he set from the very beginning.
A different strength
Rachael joined later when he needed help. It was not a strategic decision at the time, but it changed the business in an important way.
Where Ralph brought precision and depth of knowledge, Rachael brought humanity, empathy, and a natural ability to connect with people. Clients felt that straight away.
What that created
Over time, that combination became the foundation of the business. Rachael describes it simply as the professor and the caretaker.
It is the balance of expertise and care, where things are not only done correctly but also handled in a way that makes people feel supported. That is what clients came to trust.
From what it was to
what it became
As the business evolved, so did its identity.
From Transport and Allied Insurance Brokers, it became R+R Insurance Advisers, named after the two people who shaped it.
Not just a change in name, but a reflection of how the business had grown. From a traditional brokerage into something more personal, more connected, and more human.
The baton that changed everything
Over time, the baton was passed.
What Ralph built through precision and discipline is now carried forward by Rachael, with that same standard, combined with her strength in care and connection.
And that moment did more than shift leadership.
It made something clear.
The business had evolved beyond what its name and brand represented.
Why Rare exists
Over time, the baton was passed.
What Ralph built through precision and discipline is now carried forward by Rachael, with that same standard, combined with her strength in care and connection.
And that moment did more than shift leadership.
It made something clear.
The business had evolved beyond what its name and brand represented.
What they saw
Through working closely with clients, one thing became consistently clear. Most people do not fully understand their insurance.
They feel unsure about what they are covered for, rely on assumptions, and often only discover gaps when something goes wrong. That is where stress and confusion begin.
What Rare became
known for
So the role evolved beyond simply arranging policies. The focus became helping clients understand what they have, what it means, and what to expect when it matters.
That means guiding them from the beginning through to a claim, advocating for what is fair and reasonable, and taking responsibility for making sure things are handled properly. Clients should feel completely looked after.
What it stands
for today
Today, Rare represents the next chapter.
It builds on everything that came before it, while making that promise clearer and more intentional.
A balance of precision and care.
Clarity and calm.
Expertise and humanity.
It is what allows clients to feel understood, supported, and confident in decisions that are often complex and uncertain.
Where it is going
What started as a way of doing things properly has grown into something more.
A belief that business can do more than solve problems. It can create connection.
The same care that shows up in how clients are looked after now extends into the community, because the goal is not just better insurance.
It is a world where people feel supported, understood, and connected.
The people behind Rare
Rachael Clay
Director
Rachael leads Rare with the same combination that built its reputation. Deep knowledge of how insurance actually works and a genuine commitment to making sure clients feel completely looked after. She is the person you will speak to and the standard setter for how things are done here.
Rachael
Insurance Adviser
Rachael leads Rare with the same combination that built its reputation. Deep knowledge of how insurance actually works and a genuine commitment to making sure clients feel completely looked after. She is the person you will speak to and the standard setter for how things are done here.
Ralph Watson
Founder
Ralph built the foundation this business stands on. His standard for doing things properly, with precision and care, shaped everything that came after. He remains a trusted voice in the background, the Professor who set the bar.
