Personal FAQs

The taxes are for Insurance premium tax in the UK or the taxes applicable to the country we are insuring in if outside the UK. The other charges are to cover our administration costs as we have no charges for cancelling, making administrative changes to the policy or payment methods, this way we are completely

The maximum amount that can be claimed for valuables is 20% of the sum insured, eg. if you take £20,000 contents cover then you can claim up to £4,000 of valuables,  up to 40% of entertainment equipment (TV’s, computers etc) can be claimed so on this example £8,000. If you insure items away from the

Under our Holiday Home Policy and UK Landlord Policy the minimum amount of contents we can cover is £2,000 under our UK Main Residence Policy the minimum is £10,000. Please note that we do need to insure all of of the contents we can’t cover just a partial amount. If I reduce the buildings cover

Accidental damage cover is for incidents such as red wine being spilt on the sofa or a football kicked through a window. Under our UK Main Residence Policy and UK Landlords Policy this cover is given as standard, under the Holiday Home Policy it is optional, and if taken covers accidents caused by both yourself

Unless your property is listed or built before 1850 (UK only) we calculate the premium using the type of property (detached, terrace etc), approximate year of build, the number of bedrooms and whether there are any outbuildings or a private swimming pool. Claims made within the last five years may also affect the premium, you

In order to quote for listed properties and properties built before 1850 we need a rebuild cost as this is how the premium is calculated. The re-build cost will be shown on your survey.

If pool is damaged by an insured peril and this pollutes the pool then there is cover. Are there any exclusions regarding the swimming pool? The following details the exclusions regarding the swimming pool, and below that what the cover provides. Exclusions: Damage to pool structure, covers, filtration plants, heaters & pumps caused by family

If there is a water or oil leak in the property then the cover will pay for finding the source of the problem.

If you take this policy out paying in sterling then monies you receive in the event of a claim will be paid to you in sterling. If for instance you have £10,000 contents cover and claim to have all of the contents replaced then you will be paid in sterling regardless of the country your

If the other apartments are uninsured then the loss adjustor may take the decision to make a cash payment based on the average of three quotes to rebuild your percentage of the entire block. If for instance it would cost £125,000 to rebuild the whole block and there were four apartments then you would get

Yes. A successful claim will impact on your renewal premium.

No, only Falling trees or branches (including the cost of removal up to £500, lamp posts or telegraph poles, causing damage to the Buildings.