Insurance FAQs

Your questions answered

We are frequently asked questions about insurance in general and our high value service in particular. While our answers cannot be definitive, we hope they help towards a greater understanding of our business. We shall be adding more answers as more questions come in.

Q. Why should I choose a broker rather than go direct to an insurer?

Q. When it comes to claims, who wins: broker or insurer?

Q. How important is home insurance?

Q. What exactly needs to be covered?

Q. How can I calculate how much cover I need?

Q. How should I allow for the effects of inflation?

Q. Do you offer cover against accidental damage?

Q. How soon can my cover start?

Q. Can I pay my home insurance by instalments?

Q. Are my personal items covered when I take them away from home?

Q. If I have worldwide cover for my personal possessions, will I need travel insurance as well?

Q. Will my children's belongings be covered while they're away at university?

Q. Can you provide cover for my laptop, PDA and mobile phone?

Q. Am I covered by my home insurance if I work at or from home?

Q. What kind of locks should I fit to my windows and doors?

Q. How can I tell if my doors are fitted with five-lever mortice deadlocks?

Q. Will my home insurance cover the contents of my shed and/or garage?

Q. Is cover provided for items in my garden?

Q. Can I get home insurance that will cover me if I rent my house to tenants?

Q. Will my friends' belongings be covered by my home insurance when they stay with me?

Q. Can I opt to pay a voluntary excess?