Insurance & Reinsurance Brokers at Lloyd’s
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News

How long can I expect a repair to take?

4 July 2023

We aim to complete all repairs as quickly as possible, but the extent of any damage and the availability of parts will determine how long a repair will take. However…
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I purchased my item via my company’s salary sacrifice scheme, is my item covered?

4 July 2023

Yes, the salary sacrifice agreement document will act as the proof that you own the gadget, and the date of purchase…
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What precautions must I take against theft to be covered?

4 July 2023

You must not deliberately leave items away from your person. If you wish to leave them on open view in a public place then you should take reasonable precautions, for…
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How will a claim that exceeds the amount of cover I have remaining be handled?

4 July 2023

If we are to provide replacement items we will ask you to pay the amount over and above the limit for which we are liable. If the item needs repair…
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Does the insurance cover gifts given to me?

4 July 2023

Yes but you must be the legal owner of the property. In the event of a claim for an item for which you became the legal owner through a gifting…
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How do I prove purchase for a contract phone?

4 July 2023

Where the gadget is provided as part of an ongoing service contract, you will need to provide evidence of that contract showing the gadget provided. We will accept this document…
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Does my travel insurance provide personal liability cover whilst skiing?

20 January 2022

As long as you have opted for winter sports cover the travel insurance policy will provide personal liability cover in the event that you cause accidental injury to a third…
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Will my travel insurance cover me for emergency medical expenses arising from COVID-19 whilst on holiday?

31 March 2021

Cover will be provided for emergency medical expenses arising from COVID-19 provided you have not travelled to or have not remained in any country or area contrary to Foreign…
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Are pre-existing medical conditions covered?

9 December 2020

These schemes are not medically underwritten and as a result most illnesses are covered as standard.  You are not required to declare any pre-existing medical conditions.  However, you should…
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Does the insurance cover my children’s property?

3 November 2020

Yes, provided you have elected employee and immediate family cover and your children do not exceed the age specified in the schedule, and permanently reside with you, their items are…
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