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The above cover relates to the Intasure policy. Full
details of policy cover, limits, exclusions and standard excesses you will be
required to pay in the event of a claim can be found in the policy wording. A
copy can be sent to you on request.
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Frequently Asked Questions
We have listed below a number of the
questions that are often raised when a property is being insured by Intasure.
Q Can we
arrange immediate cover?
A
Yes! We are happy to hold cover over the phone
for a period of 21 days during which time the fully completed proposal
and payment of premium will be required. Remember if you have any queries in
relation to the completion of the proposal then the Sales Team will be happy to
assist.
Q Does the policy provide employer’s liability?
A
Yes! Our policy automatically provides employer’s liability cover up
to £10 million for any domestic staff.
Q How much
should I insure my property for?
A
For your Buildings you need to take into consideration not only the
cost of rebuilding the main property but also any outbuildings, swimming pools,
boundary walls in addition to solicitor’s and surveyor’s fees and demolition
costs. With your Contents you need to consider all household goods and personal
property within your property and how much you would have to pay to replace them
as new. We do make a deduction for wear and tear for clothing and linen.
Q What does “New for old” mean?
A
This means that the item referred to will be replaced for its current
value without a deduction for wear, tear or betterment.
Q Do I need to specify any valuables?
A
We would recommend that you check your main household policy to see if
it covers items outside of your permanent residence. This cover is often
referred to as all risks. If you keep any items permanently in the property and
they exceed the single article limit then we will need to specify them on the
policy schedule.
Q Do I have cover away from my home?
A
Our policy provides cover for your contents whilst within the confines
of your property, as above we would recommend that you speak to the insurers of
your main residence for cover away from the property in respect of valuables and
personal effects.
Q Do I have accidental damage cover?
A
This cover is available at an extra premium. Cover then applies whilst
the property is occupied by the insured and family members. Accidental damage
cover is given to both Buildings and Contents.
Q
Is full cover provided whilst my property is unoccupied?
A
Full cover is provided subject to the security requirements being
complied with and the property being furnished and the water being turned off at
the mains and all equipment drained to its fullest extent if your property is to
be unoccupied for more than 30 days or from the 1st November to the 31st March
inclusive.
Q Is legal cover included within your policy?
A
We offer a free legal advice telephone line that is available 24 hours
a day, seven days a week, 365 days a year!
Q
How much do I have to pay in the event of a claim?
A
For properties in Greece and Italy you will be required to pay the
first £100 of any claim. For all other locations you will be required to pay the
first £50 of any claim. Subsidence Excess £1,000. An increased Policy Excess of
2.5% of the Buildings Sum Insured applies in respect of Portugal earthquake
damage.
Q
What should I do in the event that I need to make a claim?
A
We understand that in the event of an incident occurring then making a
claim can be stressful and we aim to make the process of settling a claim as
quick and painless as possible. You should contact our Claims Team as soon as
you think that you may need to make a claim, they are available from Monday to
Friday 8:30am - 5.00pm on 0845 111 0672 who will be happy to help you and
explain the process that you need to follow - don’t forget that our Helpline is
available outside of normal office hours and the call to them is free! In the
event of a theft, malicious damage, vandalism or loss of property occurring then
you must notify the local police station and obtain a crime reference number
immediately or within 24 hours of the loss occurring or being discovered.
Q Can I pay by monthly Direct Debit?
A
Yes! We are happy to accept payment subject to a completed Direct
Debit Mandate, we don’t charge any interest just a small administration fee of
£1.00 per month which is included within the monthly amount.
Get a Quotation here
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