Tips, guidance and ultimate recommendations
We’ve redesigned insurance, so that it works for you
Insurance is traditionally complicated, opaque and time-consuming. We have redesigned it so that it works for you. Whether it’s your home, jewellery or artwork, you can have the peace of mind that it’s covered under a single policy.
Regulated by the FCA | Underwritten by A Rated insurers
Jargon unpacked
The insurance market can be full of jargon and acronyms. Below is a list of some of the language out there, and what it actually means.
This is unexpected, unintended damage. For example, spilling red wine on the carpet.
Insurance that covers damage or losses for all events except those specifically excluded. Simply put if it’s not mentioned in your policy wording, it’s covered.
This is common on standard insurance policies, if you claim and you are underinsured then the insurer can choose to reduce the payout in proportion to the amount that you are underinsured for.
For example, if you have £100k of contents and only choose £50k of cover, on a claim the insurer might decide that you are only 50% covered and therefore only pay 50% of the claim being £25k.
All permanent structures at the address including your primary residences, outbuildings, gates, and fences.
Cover for when a domestic employee (for example, your cleaner) is injured in the course of their employment with you.
