Frequently Asked Questions
We have listed below a number of the questions that are often
raised when a property is being insured. If any specific question
is not answered below then please do not hesitate to contact us on
08707 707 183.
How do I obtain a quotation?
By telephoning 08707
707183 Monday-Friday 8.45am to 5.15pm
What information do I need for a buildings insurance
quotation?
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/.
What information do I need for a contents quotation?
The new for old value of all household
goods within the property (a wear and tear deduction is made for
clothing and linen).
Do I need public liability insurance?
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.
Are domestic staff covered by employers liability
insurance?
Yes, our policy includes cover up to
£10million.
Is accidental damage cover included?
Buildings insurance automatically includes
accidental damage. Contents insurance normally includes accidental
damage but a quotation without accidental damage can be provided if
required.
Is theft cover provided?
Full theft cover without the necessity of
security requirements is normally provided, including theft by the
guest.
What cover is provided when the property is unoccupied?
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.
Am I covered for loss of income?
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.
How much do I have to pay in the event of a claim?
Normally the first £100 of each claim
increased to £1000 for subsidence claims.
Is there a no claims discount?
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.
How quickly can I arrange cover?
Immediate cover can be arranged subject to
payment of premium.
Make an enquiry