Insurance can be extremely confusing and complicated, and you need to make certain that you are covered for all possible eventualities – It’s no use having a policy and then making a claim only to find that it is not covered due to something in the small print. Insurance brokers are there to make your life easier so that you can get on with running your business – to ensure that your insurance programme is properly tailored to suit your individual business needs, to make sure that you are fully aware of any terms and conditions that may apply and to provide the best possible cover at the most competitive premium.
We will be in touch with you well in advance of your renewal date. It gives us an opportunity to check if there have been any changes to your business over the previous 12 months and whether any amendments to the cover or sums insured is required before we start the renewal process. We pride ourselves on the procedures that we have in place and always endeavour to provide you with your terms for renewal in good time to give you enough time to consider all the options available.
Most insurance policies include a Minimum Standard of Security Condition which details the basic level of security that is acceptable to them. Although this does vary from insurer to insurer, usually you will be required to at least have:
- Locks on all external doors that comply with British Standards approved locking systems
- Key operated window locks to all ground floor and accessible opening windows
In some cases, insurers may insist on intruder alarm or other forms of protection but if these are conditions of cover, details of these will be included within your quotation.
Failure to comply with the security conditions contained within your insurance policy may invalidate your cover. If you are in any doubt whether you are able to comply, please let us know.
You need to notify us of all material changes to your business/premises or any increases or reductions in sums insured, cover or limits contained within your policy. A material change would be something that would influence the judgement of a prudent underwriter in deciding whether to accept a risk for insurance and on what terms. You have a duty to disclose material facts at the inception, at renewal and in respect of mid-term alterations where there has been a change in risk. Please ring us for more guidance if you are unsure.
Please see the ‘Report a Claim’ section of our website. This gives details of what to do in the event of a claim or incident and also has some downloadable forms to you to complete and return. If the incident arises outside business hours, please also see the ‘Emergency Contacts’ section for mobile phone contacts for use if you require urgent assistance with anything.
Most insurers will accept verbal confirmation of cover so just give us a ring and we can incept cover on your behalf. We will ask for payment details and may require a deposit if the premium is being paid by instalments.
Quotations are usually valid for a period of 30 days. If we have provided you with a quotation and you wish to go ahead after the 30 day period, please let us know. In the majority of situations, the existing quotation will still be available subject to no changes in the risk information or claims and cover being requested within a reasonable time period following the quotation.
This really depends on the complexity and size of your business and the type of insurance required. For some risks, we should be able to give you an indication of premium over the phone but for larger risks, we normally like to visit your business premises so that we can get a good understanding of your business so that we can ensure that you are fully covered. Whether you need cover today or in the future, give us a call.
Any of us would be happy to assist you – you can contact your account executive or account broker directly if you have their details. Alternatively, you can ring the office on 01942 765333 or email one of us via the contacts page of this website. Please note that any alterations advised by email will not take effect until you have received our written confirmation that your insurers have been advised and have confirmed acceptance.