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Frequently Asked Questions

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  • What is covered by buildings insurance?

    Buildings insurance covers the structure of the home, including any fixtures and fittings. It may also include some appliances if they form part of the property. This could include: oil and gas tanks; septic tanks; permanent swimming pools; hard tennis courts; terraces; patios; drives or paths; car ports; garages or outbuildings; walls; gates; fences; and hedges.

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  • Can I reduce the amount of home insurance cover I have?

    £500,000 cover for buildings and £50,000 cover for contents are our standard levels of cover, and we are unable to decrease this amount. The cover is set at this level as a ‘blanket cover’ so you do not need to provide us with a valuation for your home and its contents on taking out the policy and at renewal, and so you can be safe in the knowledge that you are covered sufficiently.
     
    If your sum insured is more than these limits then it is possible to reduce your sum insured provided that you do not underinsure yourself.
     
    If you feel that your cover is incorrect in anyway and this cannot be answered by our FAQs please contact a member of our customer services team on 0800 519 1020. Lines are open Monday to Friday 8:30am – 6:30pm and Saturday 9am – 3pm.

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  • How do I contact Castle Cover about my policy?

     How you contact us will depend on the nature of your inquiry; for Customer Service issues, call 0800 519 1020 and for Renewals, call 0800 519 4080. Our telephone lines are open Monday to Friday 8:30am – 6:30pm and Saturday 9am – 3pm and our friendly advisers will do their best to answer your query within 48 hours. You can also email us at info@castlecover.com.

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  • How do I add another driver to my policy?

    We need to discuss the details of any driver you wish to add to your policy before confirming if the addition is possible, and also to discuss the amount of any costs incurred.

    This is because we would need to check all of the relevant details with your underwriter.

    If you do wish to add one or more drivers to your policy, please call our Customer Service number on 0800 519 1030, or email us at info@castlecover.co.uk.

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  • Can I amend my car insurance policy?

    If you want to make any changes to your policy - whether it’s to your own personal details or to your level of cover - it is important you that you get in touch with us as soon as possible to ensure your insurance remains valid.

    The quickest way to do this is to call our customer service number on 0800 519 1030 and one of our friendly advisers will be able to guide you through the process. Alternatively, you can also email us at info@castlecover.co.uk stating your name, policy number and query and we will respond to you within 48 hours.

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  • Are my belongings covered outside the home or when I go on holiday?

    Yes. If you take out our Personal Possessions cover option as part of your Castle Cover Contents policy, your personal belongings - including up to £500 cash and £500 on credit cards - will be covered against theft, loss or accidental damage while away from the home.

    This means those valuables you carry as part of your everyday life such as your glasses, MP3 player, or camera, are protected on a day-to-day basis.

    Our Personal Possessions cover has an individual article claim limit of £2,000 with a total limit of £5,000 being applied at any one time while in Europe or anywhere else in the world; it covers the items abroad for up to 90 days during any period of insurance.

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  • Do I need to provide proof of ownership for all of my possessions?

    No. It is not necessary to provide proof of ownership for all of yours or your families possessions covered under your home insurance policy. However, in the event of a claim you may be asked to provide evidence of value and ownership, such as purchase receipts, valuation certificates and instruction manuals.

    If you have specified a "valuable/s" such as jewellery, watches or works of art etc on your policy however it will be essential to provide such documentation.

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  • How do I make amendments to my home insurance policy?

    Amendments can be made by contacting a member of our Customer Service team on 0800 519 1020.  You are advised to get in touch with us straight away should you need to make any amendments to your policy in order to ensure you have adequate cover in place.

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  • Do you offer new for old on insured items as part of your policy?

    Here at Castle Cover, our Home Contents policy provides cover on a "new for old" basis. This means that if your items are lost, damaged or beyond repair, you will receive a brand new replacement.The only exclusion is that there will be a deduction for clothes, furs and household linen.

    Other than those items mentioned, there will be no deduction for all other contents provided they have been maintained in good repair and the total limit is sufficient to cover the full value of the property. However if the item can be repaired, we may choose to have the item repaired.

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  • Can I add a temporary driver to my policy?

    Should you wish to add another driver to your policy on a temporary basis, we will need to check all of the relevant details with your underwriter; it is therefore important that we have all of the necessary information from you.

    To discuss the possibility of adding one or more temporary drivers to your insurance policy, call our Customer Service number on 0800 519 1030 and our friendly staff will be happy to talk you through the process.

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Regal Insurance

Extra cover for Buildings up to £1.5m & Contents up to £500k.

Price Promise

Our great value
premiums are hard
to beat, but if you
find cheaper like–for–like home cover in the first 3 months of your policy, and haven’t made a claim, we promise to refund either the difference or all premiums paid.