Frequently Asked Insurance Questions

Find out what different types of insurance are and what they cover.

What is Unoccupied Property insurance?

Unoccupied Property insurance is designed to cover homeowners who's home is left unoccupied for longer periods of time. Unoccupied properties are more likely to targeted by vandals, squatters and thieves - causing damage to homes. Policies can also protect against flood, fire and storms.

What is Static Caravan insurance?

Static caravan insurance is designed to cover caravans fixed in one place (for example parkhomes). Policies keep your static caravan covered even if you aren't there or don't take your caravan on the road. Based on the policy selected, it can extend from accidental cosmetic damages to contents replacement and can keep static caravans covered for damage resulting from natural causes.

What is Shop insurance?

Shop insurance is a specialist insurance designed to cover the key risks of a retail business; including content within the premises, income if unable to trade and liability towards people and property. Depending on the level of cover required, policies can cover types of insurance such as Stock and Contents, Business Interruption and Public Liability.

What is Landlords insurance?

Landlords insurance is a specialist insurance designed to cover property owners from monetary losses connected to their rental properties. Policies cover the building and depending on the cover selected, can cover any contents that belong to the landlord inside.

What is Campervan insurance?

Campervan insurance is a legally-required specialist insurance designed to cover campervan drivers and owners for liability to others. Depending on the level of cover selected, it may also protect policy-holders against theft and at-risk damage. European cover can also be included.

What is Motorhome insurance?

Motorhome insurance is a legally-required specialist insurance designed to cover motorhome drivers and owners for liability to others. Depending on the level of cover selected, it may also protect policy-holders against theft and at-risk damage. European cover can also be included.

What is Motor Fleet insurance?

Motor Fleet insurance is specifically designed to cover businesses that own numerous vehicles under one policy. Vehicles can include cars, vans, lorries, minibuses and HGVs. Policies can range from Fully Comprehensive to Third Party Only. It can cover fixed to named drivers for specific vehicles or any driver to drive any vehicle.

What is Minibus insurance?

Minibus insurance is designed to cover minibus drivers for both private and commercial use; it may be for charities, schools or other business reasons. Cover can can include Public Liability cover, EU cover and Breakdown protection, plus cover for Any Driver or Named Drivers too

What is Imported Car insurance?

Imported Car insurance is a specialist insurance designed to cover any type of car that has been imported from abroad or isn't UK registered. Policies can cover grey imports that haven't been EU-approved, or parallel imports which are brought in from other EU countries.

What is Horsebox insurance?

Horsebox insurance is a specialist insurance designed to cover a range of horseboxes; from 3.5 tonne vehicles to large HGVs. Policies can protect you against third party, fire and theft or be fully comprehensive.

What is Driving School insurance?

Driving School insurance is a specialist insurance designed to cover Driving Schools that employee PDI and ADI approved instructors. This type of policy could ensure that instructors are covered to use their vehicle with any examiner or driver.

What is Courier Van insurance?

Courier Van insurance is a specialist insurance designed to cover couriers for a range of risks; including damaged, stolen or lost cargo. Courier Van insurance policies are best suited to divers who use their van to transport customers' goods in exchange for money.

What is Convicted Driver insurance?

Convicted Driver insurance is designed to cover drivers with a criminal conviction - whether it's a conviction related to driving or a minor offence which has no bearing on how you drive. A criminal conviction generally makes it difficult to get motor insurance and can often be relatively expensive. Types of Convicted Driver insurance can include insurance for disqualified or banned drivers, insurance for drink drivers (DR10 etc) or insurance for speeding drivers.

What is Commercial Property insurance?

Commercial Property insurance is designed to cover all types of commercial property. Commercial property insurance protects companies against such things as fire, theft and natural disaster. This type of insurance is carried by a variety of businesses, including manufacturers, shops and charities. ‍

What is Catering Van insurance?

Catering Van insurance is a specialist insurance designed to cover sole or fleets of vehicles operating in trades such as Ice Cream vans, Burger vans and Fish & Chips vans.

What is Caravan insurance?

Caravan insurance is designed to cover your caravan and belongings should something go wrong. Policy features can include European, accidental damage and storm cover. Types of caravans that can be covered are motorised caravans, static caravans and touring caravans.

What is Block of Flats insurance?

Block of Flats insurance is a specialist insurance designed to cover a range of property types; including residential or housing apartment blocks and houses converted into flats. Policies can be taken out by leaseholders, management companies or freeholders.

What is Taxi insurance?

Taxi insurance is a specialist insurance that covers drivers of many types of taxis; the two most recognisable being Public and Private hire.Depending on the policy and the drivers circumstances, policies can cover named driver, policy-only and all-drivers. Vehicles covered can include minicabs, black cabs and hackney carriages.

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