Please read our Frequently Asked Questions to help answer any queries you may have. If you cannot find the information you are looking for on our web site, please get in touch through our contact web form.
For business policies:
a) The Property Covered other than listed in b) and c) below, must be valued at their cost price or market value whichever is the least
b) The goods contained in the category 'Office Papers & Documents' must be valued at the new stationery cost
c) Data storage media must be valued at the cost of new blank media
This will depend on the type of claim and the value involved: Where the damage can be economically repaired we will pay the cost of repair. Where the damage cannot be economically repaired and the damaged or lost item can be replaced, we will replace it. If a replacement is not available we will replace it with an item of similar quality. Where we are unable economically to repair or to replace an item with an item of similar quality, we will agree a cash payment with you based on the replacement value. Where we can offer repair or replacement through a preferred supplier, but instead you request and we agree to pay a cash settlement, then the amount will not normally exceed what we would have paid our preferred supplier.
In the event of the total loss or destruction of any article we will not pay more than the new replacement cost of any home contents and personal effects other than:
Insurers may not be able to settle the claim from the information you have given. This is why it is important to:
Insurers may need to send a member of their claims staff or a loss adjuster to find out more about your claim. A loss adjuster specialises in dealing with insurance claims. He or she will report to Insurers who will pay any fee involved.
Insurers may need to contact you for more information. Insurers claims staff take pride in their service and will do all they can to help you.
You are covered for physical loss of or damage arising from fire (and/or the additional perils listed below) to home contents and personal effects (including sport equipment, boats, motorcycles, cycles and trailers) occurring during the period of Insurance shown in the Confirmation of Insurance whilst in transit within an enclosed car or commercial road vehicle:
The additional perils covered are:
This insurance does not cover:
If you have taken out a period with a fixed end date, you may extend your policy at any time by logging into your account and amending the end date of your policy. You can effectively extend your policy from 1 day up to 52 weeks from the time of the amendment.
If you are on a rolling policy then your cover will continue until you cancel the policy, assuming all premiums are paid every 28 days.
Our domestic insurance policy does not cover:
In addition to the domestic exclusions, business policies exclude the following cargo:
The requested cargo must be able to be valued at market value except if the cargo is business records, medical records, receipts, dissertations, plans, manuscripts and the like where it will have to be valued at paper cost.
Ask a question through our contact form or give us a call: Telephone (Monday - Friday, 9.00am - 5.00pm, excluding public holidays): 08000470930
Please note: we are unable to provide quotations by phone.
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