About Us


TopQuotes gets you the best insurance quotes from leading insurance companies, without you having to deal with dozens of different agents, who only work for one insurance company.

No wonder TopQuotes is already Cyprus fastest growing brokerage!!

We were the first intermediary to represent all the top UK and Cypriot insurers and we are very proud that we are still the only British firm licensed by and registered with the Cypriot Government.

Who we are

TopQuotes has three directors, Laurence Besemer, Sheila Cowan and Mark Davies.

Laurence first came up with the ideas and thinking behind TopQuotes in 2005 when the regulations governing insurance intermediaries in Cyprus were changed following ascension to the EU.

Since then all insurance intermediaries have had to be full time professionals, licensed and registered with the Cypriot authorities. Insurance intermediaries are not allowed to engage in any other activity and you should only ever buy insurance from a registered intermediary. Buying though a non-registered sub agent may be illegal and could result in an invalid policy.

Laurence was born in London in 1960. He grew up in Enfield.

He has worked in the insurance industry for 34 years in the UK, Asia and Europe.

He owns property in Cyprus as well as being the founder of TopQuotes. Together with his wife and daughters, he spends roughly half the year there. The rest of the time is spent in the UK, looking after TopQuotes‘ clients in the UK.

He has been a Fellow of the Chartered Insurance Institute since 1995.

Sheila was born and educated in Ireland. After obtaining her degree in nursing she worked initially in various hospitals in and around Dublin until 1986 after which she traveled to Australia and on a 12 month working visa toured the whole of Australia working in various hospitals.

After a short stint nursing in Iraq, Shelia moved to Saudi Arabia and worked 10 years for ARAMACO, the world’s largest oil & gas company, in a supervisory capacity in the Intensive Care Unit of the company’s hospital.

She relocated to Cyprus with her husband in 2000 and played a key role in the initial setting up of TopQuotes Insurance, she is also a major shareholder in the Company.

Sheila has been with TopQuotes for 10 years and is a member of the Chartered Insurance Institute, achieving the Cert CII qualifications and is registered and licensed in Cyprus.

Mark was born in Cardiff, South Wales, educated in the UK and started his career with the NatWest Group in 1976.

Mark has now established the new Ariannol Group, TopQuotes Associate company, following the management buy out of Horizon in Cyprus.

Mark is a Chartered Fellow of the Chartered Institute for Securities and Investment, and is a member of the Institute of Financial Services. He enjoys rugby, football, golf, swimming and reading.
Our links

Ariannol

Please click here for a link to our sister company, Ariannol, who provide Trust and Corporate structures, Company Administration, Financial and Estate planning, Life Insurance, Wills and Executor Services.
We look forward to hearing from you and looking after all your future insurance needs.