Frequently Asked Questions

By telephoning 08707 707183 Monday-Friday 8.45am to 5.15pm

The rebuild cost of your buildings including outbuildings etc and demolition costs, solicitors and surveyors fees. A guide can be obtained by visiting http://www.abi.org.uk/.

The new for old value of all household goods within the property (a wear and tear deduction is made for clothing and linen).

Yes - your property is commercially let and this cover is essential to protect against claims made for injury to a guest or damage to their property.
Our policy provides cover of £5million.

Yes, our policy includes cover up to £10million.

Buildings insurance automatically includes accidental damage. Contents insurance normally includes accidental damage but a quotation without accidental damage can be provided if required.

Full theft cover without the necessity of security requirements is normally provided, including theft by the guest.

Full cover is provided subject to the public services (gas/electric/water) being turned off and the water system drained or a temperature of 55 degrees Fahrenheit (13 degrees Centigrade) being maintained if the property is unoccupied for more than 7 days during the period 1st October - 31st March.

Yes - if the property becomes uninhabitable due to fire or certain other perils and you cannot let your property - our policy provides up to £25,000 cover for your loss of income.

Normally the first £100 of each claim increased to £1000 for subsidence claims.

No claims discount can be built up over a period of three years. We can also offer discount for first time owners if you are claim free on your main residence insurance.

Immediate cover can be arranged subject to payment of premium.