Public liability insurance usually covers you when you are being held responsible to a person or property, as the owner or occupier of your home. For example, buildings insurance usually covers you as the owner of the home for claims such as a tile falling off of your roof and injuring a visitor. Contents insurance …
An Endorsement is a term used to describe an amendment to a policy document.? An endorsement is sometimes referred to as an Addendum. Its purpose is to record any change to the original terms of the insurance so as to reflect the negotiated agreement between the parties.? An endorsement may either be attached to the …
You should contact the insurance company so they can update the policy.? There may be certain endorsements which they will add to the policy.
Your buildings insurance should cover the full rebuilding cost of your home (including garages and outbuildings) and not the market value, which could be very different.? Assessing the full rebuild cost of your property can be difficult.? The Association of British Insurers (ABI) have a calculator you can use.? Please note you have to register …
If your home or any part of it is lent or let you should check with your insurer because this may affect your cover.? Some insurers may not be able to offer cover.
If you have approved security locks or a professionally installed and annually maintained alarm system, some insurers may be able to discount your premium.
You are unable to insure the contents of fully-furnished rented accommodation.? This is usually the Landlord or Managing Agent’s responsibility. You can insure your own personal contents as normal.
This depends on your insurer.? You will need to check with your insurer. Moving home can affect your premium because of the change of postcode and the associated risks which are taken into account when setting a premium.
Some policies such as Barclays You Shaped and TSB Pick and Protect offer cover to meet your requirements.? This might be for personal items, gadget, etc.
You can take out contents and buildings policies separately if you wish, simply select the cover required when obtaining a quote. Please see our other question?