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Household - Buildings
| Cover against loss or damage to the structure of your home
including permanent fixtures and fittings such as baths and
toilets, fitted kitchens, bedroom cupboards and Interior decorations.
Policies will usually extend to include outbuildings such as
garages, greenhouses and garden sheds. The sum insured must
be calculated carefully to avoid claim payments being reduced
because of underinsurance and assistance can be found on the
web site for the Association of British Insurers at www.abi.org.uk
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Household - Contents
| A home contents policy covers just about everything you would
take with you if you moved. Furniture, furnishings, household
goods, kitchen equipment, food and drink, televisions, video,
computer and audio equipment, clothing, personal effects and
valuables up to stated limits. Boats, caravans and motor vehicles
are usually insured separately. Policies can usually be extended
to cover accidental damage or loss of valuable items that you
may take out of your home. This "All Risks" extension
can cover such items as jewellery, cameras and sports equipment. |
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Private & Classic Car
| The Road Traffic Act requires all motorists to be insured
against their liability for injuries to others (including passengers)
and for damage to other people's property resulting from use
of a vehicle on a road. It is an offence to drive it without
insurance. The three main cover options are Comprehensive, Third
Party Fire and Theft and Third Party only. We can also offer
a separate Legal Fees Protection to assist with the recovery
of uninsured expenses in the event of a non-fault accident. |
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Let Property
| Cover available to meet a range of different circumstances
from property owners wishing to let their own home or another
property on a long or short-term basis or as a holiday let. |
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Landlord Insurance UK | Links | Forum - Landlord Insurance Guides, Links, Information and Forum (NB. Chiltern Insurance cannot be held responsible for third party sites that are not controlled by us)
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LandlordZONE™
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Travel
| A variety of products are available to the private traveler
ranging from single trip policies to annual multi-trip policies
for individuals who take more than one trip abroad each year.
Package cover usually provides for sections such as medical
expenses, personal liability, personal accident, cancellation
and curtailment, money, baggage and repatriation. |
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Personal Accident & Illness
| This type of policy pays regular cash benefit to a person
unable to work as a result of an accident or sickness. This
is especially valuable if you are self-employed and would have
no income if disabled or sick. Personal accident policies are
arranged for one year and are renewable at the option of the
insurer. If you are sick or injured, regular payments are usually
made on a weekly basis up to a maximum number of weeks (usually
52 or 104). There will normally be a deferred period (such as
7 days) before payments start. A lump sum may also be payable
on death or specified disabilities such as loss of a limb or
eye. For a more long-term solution a Permanent Health Insurance
policy should be considered, as this would normally continue
until retirement age. |
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Private Medical/Health
| Private medical insurance is designed to cover treatment for
curable, short-term illness or injury (commonly known as acute
conditions). It provides the reassurance of knowing that treatment
is available promptly. This can be particularly valuable to
small employers as it enables them to better manage employee
absence and illness. Different policies will cover different
optional treatments. However, some illnesses or treatments will
not be covered by any PMI policy. Private medical insurance
is arranged for one year at a time. |
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Pets/Equine
| Policies are available to cover the unexpected vets bills
generated from that other member of the family the dog or cat
against a range of risks including Illness/Accident, Early Death,
Loss by Theft or Straying, Third Party Claims, Boarding Fees,
Advertising & Reward. Horses can also sustain injury and
horses and tack get stolen. Cover is available to cover the
horse, rider and saddlery and tack and includes Public Liability. |
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Marine Craft
| Policies available for all classes of yacht, motorboat and
cruiser including accidental damage cover, theft, third party
& passenger liability. |
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