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Q. Why do we need insurance?

A. Insurance is there to provide protection for yourself, your investment and your business. Disaster could take any form; car breaks down, roof leaks, a major home fire, an automobile accident that leads to a legal action and someone in the family becomes ill. Insurance gives you peace of mind and you know that if anything happens to you, your family or your business that you will be financially secure.

Q. How to inform the motor claim process happen?

A. Call us immediately and we can get your claim started straight away, even if you don’t have all of the information available you can still report the claim. We can then take the stress of your claim away from you. Even if you have an accident when most garages are closed, our 24 hour accident recovery helpline can arrange assistance to recover your car and help arrange onward transportation. By calling us you can be sure that we are aware of the incident and are in a position to represent your best interests. We’re also available to advise you on what your policy covers you for.

Q. What are the benefits of life assurance?

A. Life Insurance provides the dual benefits of savings and security. Life Insurance not only provides for financial support in the event of untimely death but also acts as a long term investment. You can meet your goals, be it your children’s education, their marriage, building your dream home or planning a relaxed retired life, according to your life stage and risk. Life Insurance is one of the best instruments for retirement planning. The money saved during the earning life span is utilized to provide a steady source of income during the retired phase of life.

Q. What are the advantages of insurance?

A. The Insurance has become an integral part of business and human life. The following are the advantages of insurance: I. Providing Security II. Spreading Risk III. Source for Collecting Funds IV. Encourage Savings

Q. What is Third Party Liability Insurance?

A.Third party liability insurance is a vehicle insurance that covers an insured if his vehicle caused harm to someone else or caused damage to property and he is held legally responsible.

Q. How much should I insure my buildings and contents for?

A. Buildings This should be insured for the cost of rebuilding (not the current market value), which can usually be found on the buyers’ report or survey you got when you bought the property (although, if this was not in the last few years, the amount will need to be increased to take inflation into account).

Contents As a guide, contents are all of the items you would be likely to take when moving out, including carpets, curtains, furniture, electrical appliances, valuables, clothing and personal items. You should insure your contents for the total amount it would take to replace them at today’s prices.

Q. Does my policy include accidental damage?

A.Buildings If you have taken out Buildings cover, your policy covers you as standard for accidental damage to fixed glass and sanitary ware. If you want full accidental damage for accidents such as putting your foot through the loft, you will need to choose this extra option.

Contents If you have taken out Contents cover, your policy covers you as standard for accidental damage to your home entertainment equipment. If you want full accidental damage cover for all of your contents, for accidents such as spilling paint on the carpet, you will need to choose this extra option.

Q. Do I get any No Claims Discount on Home Insurance?

A. Yes, the discount you will get will depend on how many years you have held Home Insurance without making a claim.

Q. Do I have Windscreen cover?

A. If you are Fully Comprehensive you are automatically covered for windscreen cover, this is subject to the applicable excess and providing you use an approved repairer. Please refer to your policy book for more details. If you have Third Party Fire and Theft or Third Party Only cover we can offer windscreen cover as an optional extra, for full policy details, conditions and limitations, please refer to our optional extras section.

Q. Is anyone who drives my car covered?

A. In most cases, yes, as long as they have the permission or reasonable belief from the insured that they can use the vehicle. The insured is the person named on the insurance policy and their spouse if applicable.

Q. Can I increase my insurance coverage?

A. Depending on the type of policy you have, you may be able to increase your coverage within that policy or you may purchase additional policies to increase your coverage.

Q. What factors generally drive life assurance calculations?

A. Premium rates for life insurance are typically based on factors such as:

  • Age, gender, height, and weight
  • Health status, including whether or not you use tobacco or nicotine
  • Participation in high-risk activities or occupations