Home Insurance2021-06-21T01:55:44+01:00

Home Insurance

As well as protecting your Business Premises, Inksurance. can also offer cover for your home buildings and contents insurance.

This can cover the structure of your property, (bricks, mortar, roof, Windows) against damage from Fire, Lightning, Explosion, Storm plus accidental damage cover can also be added on.

Contents cover to protect your prized personal possessions and family heirlooms from Fire, theft, flood and accidental damage

The majority of our private household policies include an extension of cover for Legal Expenses which could protect your Company against some or all of the below:

  • Employment disputes
  • Property and landlord and tenant disputes
  • Tax disputes
  • Negotiation cover

Frequently asked questions (FAQ)

Can I cancel my policy if I change my mind?2019-08-07T00:48:54+01:00

Consumer policies tend to have a cooling off period. Some commercial policies will offer a pro rata cancellation refund if cancelled mid-term. Some policies are known as minimum and deposit. This means all the premium is due from the moment you take up the policy with no refunds given. It is always worth consulting with us regarding any questions you have around this. Our aim is always to provide you with the insurance solution which best fits your business and current needs.

What is a minimum and deposit policy?2019-08-07T00:47:43+01:00

This is a non-refundable insurance policy, usually reserved for liability insurance policies.

Do Insurers share information on claims?2019-08-07T00:47:07+01:00

On some occasions they do via selected registers. The best approach is to declare everything you think is relevant, thus removing any concerns you may have about historical data.

Are all policies you sell exactly the same?2019-08-07T00:46:39+01:00

Policies vary greatly. Some products, like high net worth private household policies give very broad cover including warranty free policies whilst other policies may restrict cover to very narrow set of conditions using policy wordings. It is also true that insurers approach to claims handling varies greatly and you should always enquire as to how well an insurer deals with claims.

What is a pro rata refund?2019-08-07T00:46:08+01:00

This is when a proportional amount of the premium is refunded in line with the amount of time that remained on the policy.

Do I need to declare any adverse financial history?2019-08-07T00:45:35+01:00

The answer is an emphatic yes! Most insurers will ask you a direct question in relation to liquidation or bankruptcies, it may be for a limited period or ask you to declare any incidents ever. It’s important to answer the question correctly as this is often an area that comes up when insurers are investigating claims.

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