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Is my PC covered?
Yes, the Castle Cover Home Contents policy automatically provides cover
for home computers. If you have a portable/laptop computer and require
protection for outside of the home, you will need to take out our optional
Personal Possessions cover as part of your home contents policy.
If the replacement
value exceeds £1500, we are unable to offer cover
online - please call us for a quote on 0800 519 50 50.
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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 option as part of your Castle
Cover Contents policy, your personal belongings (including up to £500
for Money and £500 for Credit Cards) will be covered against theft,
loss or accidental damage away from the home.
This has an individual
article limit up to £2,000 with a total limit
of £5,000 of cover at any one time whilst in Europe or anywhere else
in the world for up to 90 days during any period of insurance.
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What
type of home insurance cover is available to me?
Castle Cover offers standard building insurance,
contents insurance and buildings and contents insurance with cover levels of up to £50,000
for contents and £500,000 for buildings.
Castle Cover also offers Full
Accidental Damage Cover, Pedal Cycle Cover, Personal Possessions Cover,
Family Legal Protection, Home
Emergency Cover and Garden
Cover as add-ons
to your policy
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What is Family Legal Protection Cover?
Family Legal Protection provides up to £50,000 cover for you in
legal costs. This cover helps you to pursue claims for death or personal
injury and any disputes arising from contracts for goods and services,
selling of goods, the rightful occupation or ownership of your home
and contracts of employment.
Also, a free 24-hour Legal Helpline is provided.
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Is
a bicycle theft covered by my contents insurance?
Pedal bikes are not covered within our standard policy and should be specified when the policy is taken out to insure them against theft
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Do
I need to specify all of my valuable items such as furniture and
stereo equipment?
No. You only need to specify items that are worth more than £2,000
and fall under our definition of a ‘Valuable’. We define
Valuables as jewellery, watches, furs, items or sets or collections
of gold, silver or other precious metals, works of art, sets of stamps
or coins or medals all belonging to you or any member of your family.
If you have any items to be specified, please call one of our friendly
and knowledgeable advisers on 0800 519 50 50
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Can
I insure my property if it is let to tenants?
The standard Castle Cover buildings and contents
policy does not provide
cover for tenanted properties. However, we are able to offer insurance
for buy-to-let properties under a separate policy. Please contact one
of our advisers on 0800 519 50 50.
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Do
you offer a new for old policy?
The Castle Cover Home
Contents policy provides cover on
a ‘new for old’ basis. The only exclusion is that
there will be a deduction for clothes, furs and household linen.
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.
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Do
I need to provide proof of ownership for all of my possessions?
No. 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. It is essential to provide such documentation
for any valuables specified on the policy, such as jewellery, watches
or works of art.
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Can
I insure a property that is not my permanent residence?
Yes, we may consider this; however this is subject to terms and conditions.
(Non permanent residence i.e. Let property, Holiday Home) which will
need to meet our underwriting criteria. Please contact one of our team
on 0800 519 50 50.
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Can
I arrange insurance cover just for my personal items?
Yes, provided you take out a home contents
policy with Castle Cover.
You can cover your Personal Possessions from loss or damage away from
the home (individual article limit up to £2,000 with a total
limit of £5,000 of cover at any one time whilst in Europe or
anywhere else in the world for up to 90 days during any period of insurance.)
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Do
you give a no-claims discount on home insurance?
Yes, Castle Cover offer a No Claims Discount, providing you have not
made any claims in the last 3 years on your home
insurance.
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In
which cases do I need to tell you about the individual value of
my contents?
The items we class as Valuables are jewellery (including
costume jewellery), articles of or containing gold, silver or other
precious metals, cameras (which include video cameras, camcorders and
digital cameras), binoculars, watches, furs, painting and other works
of art, collections of stamps, coins and medals are automatically covered
for up to £2,000 each, subject to an overall valuables limit. Any
individual valuables with a replacement value exceeding £2,000
will need to be specified on the policy separately. Please call us
if you need any valuables specified.
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Will
having a burglar alarm system reduce my annual contents premium?
Yes, you will receive a discount if you have and use an intruder alarm
that is installed and maintained by an NSI approved company. If we
apply a discount, there will be an expectation that the security measures
must be operational at all times, otherwise you may have to pay a heavier
excess, or in some cases, the claim may be refused
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If
I have a mortgage, will you note the lender’s interest on
my policy?
Yes, this will be included on your policy when you take out a building
cover with us.
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Will
my policy include any excesses?
Yes, there is a standard excess of £50 for buildings and contents.
We also offer a voluntary excess of £250. The excess for subsidence,
heave and landslip is £1,000.
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How
do I make a claim on my Home policy?
By telephoning us on the helpline number shown in
your policy schedule.
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How
do I contact Castle Cover Insurance by telephone?
For home insurance, please contact 0800 519 50 50
For car insurance, please contact 0800 519 50 60
For travel insurance, please contact 0800 519 60 70
For pet insurance, please contact 0870 243 5216