Perplexed by unclear insurance terms?

There are many insurance terms used in your policy documents that you may not be familiar with. Here are a few that frequently come up in conversations with our customers, and the explanations we give:

3 things you need to know when buying a gift this Mother’s Day

1.       Don’t buy extra insurance cover if you don’t need it Your jeweller will usually try to sell you insurance at the same time as the jewellery, but you may be buying something you don’t need.  If you are purchasing a high value item, you can usually add it to your existing home insurance policy…

Security made simple

You may have heard of insurers referring to minimum security, but what is it and when do insurers require it? Locks that would comply with minimum security to all final exit doors for most insurers would include; approved to British Standard (BS3621). 

How secure is your home?

Crime including theft and attempted theft at the home unfortunately is on the increase, with a rise of 7.8% of theft incidences from January 2016 to January 2017. Maximum security at your home could rapidly reduce the risk of theft and malicious damage, so it would be in your best interests to at least know…

Home insurance FAQs – flat owners

This week a lot of PolicyCastle customers living in flats have asked us questions about how they should complete some of the sections on PolicyCastle’s short application form for home insurance. So we have put the answers to these frequently asked questions in this article, to help others looking for the same information.

Saint Patrick’s Day!

One of the most favoured holidays across the world whether you’re Irish or not, Saint Patrick’s Day is worth joining the Irish cheer, who are charmed for celebrating in true Gaelic style. Just in London alone there are many events that will be going on from 17th March and over Saint Paddy’s weekend, including, a…

The building bricks, how to be covered whilst works are in progress

Looking to do some improvements or renovations to your property? Whether the works require you to vacate your property or not, always advise your insurer prior to the works beginning.  Be prepared to have a Schedule of Works to hand, showing full details of the works to be carried out. 

Conceal and protect, how to keep your property safe when it’s unoccupied

If your property has been unoccupied for more than one policy year some standard insurers will not offer renewal on properties that will remain unoccupied long-term, or cover will likely be restricted to Fire, Lightning, Earthquake and Explosion only (FLEE).  If you are looking for more extensive level of cover you may need to seek…

Is the home covered after a bereavement?

Losing a loved one is a difficult time, but even more so when needing to sort out any admin left behind and this can make such a time even more distressing, so it will always ease a stressful situation if you can be aware before. If your family member has sadly passed away and there…