To help prevent fraud - before requesting your bank details to provide you with a refund by phone, we will always validate with you information that we hold on file; information that only you would know. This information could include your address or specific policy details. Any refund we provide will only be for one
There is a 30 day cooling off period during which you would receive a full refund (as long as no claims are made), if you cancel after this date (Please see the terms and conditions for details). We need to be notified by writing either by post or e-mail with the date of cancellation and
Do you charge any interest? Yes, monthly payments are administered by Premium Credit Limited, interest is charged with a minimum credit fee. Please check with us what the monthly cost would be on your quote. We can also accept direct debits when the policy is taken in euros and paid from a Spanish bank account,
You don’t need to include the extra contents right now, if at a later date you add more furniture then all you need to do is call us and let us know the extra amount required, you then just pay the difference for the increase of cover, there are no additional administrative costs.
Legal expenses cover (Family Legal Protection) is optional and will increase your premium under the Holiday Home, Main Residence, Park Home, Static Caravan and Non-Standard Property Policies, this cover is not available under the Block and Bed & Breakfast Policies. For UK Landlord Policies the additional premium is more specific to landlords requirements such as
The policy does include cover for pedal cycles and personal money (please check policy for amount of cover). We can insure items away from the home which would come under unspecified valuables, however it is worth checking your main residence home insurance as you may already be covered.
If you have covered for accidental damage which includes cover for sanitary ware, mirrors and glass then you are covered. If you choose not to take out accidental damage then glass will be covered under all the other perils. Accidental damage cover for glass/sanitary is limited under the Holiday Home policy, the Bed & Breakfast
We cannot extend storm, subsidence and falling trees damage to these items, but they are still covered for theft, collision damage, fire, falling aerials etc and accidental damage cover.
We do not offer liability cover with contents only - you must have buildings cover to include Public liability.
Domestic servants could be a cleaner or gardener, in the event they are injured on your property and you are found to be liable then you are covered. If you are having professional work carried out such as a builder or plumber then this is not covered as tradesmen should have their own public liability
The excess level on the Holiday Home Policy is either: £/€0/ £/€50/ £/€150/ £/€250 or £/€500 For UK Main Residence Policies and UK Landlord Policies the excess is either: £50/£100/£250/£500/£1,000 For UK Block Policy the excess is either: £0/£100/£250/£500/£1,000/£2,500/£5,000 Depending on which excess level you choose, this applies to all claims with the exception of