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FAQs

What type of Home Insurance cover can I get?

You are able to select from Buildings only, Contents only, or a combined policy of Buildings and Contents. Whichever type of policy you decide on, Accidental Damage cover for both Buildings and Contents is included as standard, you can choose to tailor your policy to suit your needs and requirements, such as adding Personal Possessions cover in order that these items would be covered away from the home.

Can I insure my Home if it is used for Business?

We are happy to insure your home and its contents if the business use is confined to routine paperwork, telephone calls and computer work. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.

When will I receive my Insurance Documents?

You will be able to download your policy schedule and associated documents immediately cover has been accepted.

How can I Pay for my Insurance Policy?

By using your Debit or Credit card

Refunds

Please note; you have the right to cancel your policy and receive a full refund of any payment you made to us by means of your Debit or Credit card providing this is received by us within 14 days of the date cover commenced and has been requested by you in writing to us by e mail at info@barninsurance.com cancellation of polices after this period will be on a pro-rata basis.

 

What's the maximum number of Bedrooms you will cover me for?

We provide cover for Barn Conversions with up to 6 bedrooms. If you have more than 6 bedrooms please e mail info@barninsurance.com where an advisor will be able to assist you.

Can I get a Discount?

We offer customers up to 45% discount off their premiums; the actual discount given will depend upon their individual circumstances.

What are the Contents and Buildings Sum Insured limits?

The policy we arrange has a minimum contents sum assured of £15,000 with a maximum limit of £100,000 without the need for referral. The minimum buildings sum assured is £100,000 and has a maximum limit of £1,000,000 without the need for referral. If a higher sum insured is required please e mail or telephone with the details. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.

Does the Contents cover include Accidental Damage?

Accidental Damage for Contents is included. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.

Are the contents in my Garage and Outbuildings covered within this policy?

Contents in Garages, Outbuildings and Sheds are covered within the contents section of the policy for loss or damage up to £1,000 or 3% of the contents sum assured (whichever is the greater). These amounts may be increased for an extra payment and are also subject to the physical security being adequate. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.

Are my Keys covered in the policy?

If your keys are stolen or accidentally lost then we will pay up to £250 for the cost of replacing and fitting new locks and keys. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.

What is IPT?

IPT (Insurance Premium Tax) is a tax levied by the Government on all insurance contracts, the current tax rate is 6% of the premium. 

 

 

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