Log Cabin insurance FAQ's
Frequently Asked Questions
We have listed below a number of the questions that are often raised when a
Log Cabin is being insured.
If your question is not answered then please do not hesitate
to contact our Sales Team on 0845 111 0680.
They are available Monday to Friday 8:30am to 9.00pm.
Q Can Intasure arrange immediate cover?
A Yes! We are happy to hold cover over the phone
for a period of 21 days during which time the fully completed proposal and payment of premium will be
required. Remember if you have any queries in relation to the completion of the proposal then the Sales Team
will be happy to assist.
Q Does the policy provide employer's liability?
A Yes! Our policy automatically provides employer's liability cover up to £5 million for any domestic staff.
Q How much should I insure my Log Cabin for?
A For your Buildings you need to take into consideration not
only the cost of rebuilding the main property but also any outbuildings, swimming pools, boundary walls in addition
to solicitor's and surveyor's fees and demolition costs. With your Contents you need to consider all household
goods and personal property within your property and how much you would have to pay to replace them as new.
We do make a deduction for wear and tear for clothing and linen.
Q What does "New for old" mean?
A This means that the item referred to will be replaced for its current value without a deduction for wear, tear or betterment.
Q Do I need to specify any valuables?
A We would recommend that you check your main household policy to see if it covers items outside of
your permanent residence. This cover is often referred to as all risks.
If you keep any items permanently in the property and they exceed the single article limit then we will need to specify them on the policy schedule.
Q Do I have cover away from my Log Cabin?
A Our policy provides cover for your contents whilst within the
confines of your Log Cabin, as above we would recommend that you speak to the
insurers of your main residence for cover away from the property in respect
of valuables and personal effects.
Can I have accidental damage cover?
A This cover is available at an extra premium. Cover then
applies whilst the property is occupied by the insured and family members. Accidental damage cover is given to both Buildings and Contents.
Q Is full cover provided whilst my Log Cabin is unoccupied?
A Full cover is provided subject to the security requirements being complied with and the property
being furnished and the water being turned off at the mains and all equipment drained to its fullest extent
if your property is to be unoccupied for more than 30 days or from the 1st November to the 31st March
inclusive.
Q How much do I have to pay in the event of a claim?
A For properties in Greece and Italy you will be required to pay the first £100 of any claim. For all other locations
you will be required to pay the first £50 of any claim. Subsidence Excess £1,000. An increased Policy Excess of
2.5% of the Buildings Sum Insured applies in respect of Portugal earthquake damage.
Q What should I do in the event that I need to make a claim?
A
We understand that in the event of an incident occurring then making a claim can be stressful and we aim to make the process of settling a claim as quick and
painless as possible.
You should contact our Claims Team as soon as you think that you may need to make a claim, they are
available from Monday to Friday 8:30am - 5.00pm on 0845 111 0672 who will be happy to help you and
explain the process that you need to follow - don't forget that our Helpline is available outside of normal office
hours and the call to them is free! In the event of a theft, malicious damage, vandalism or loss of property occurring then you must notify the
local police station and obtain a crime reference number immediately or within 24 hours of the loss occurring or being discovered.
Q Can I pay by monthly Direct Debit?
A Yes! We are happy to accept payment subject to a completed Direct Debit Mandate, we don't charge any
interest just a small administration fee of £1.00 per month which is included within the monthly amount.
Q In the event that I need to cancel my cover what do I do?
A If you need to cancel cover then simply notify us in writing of the reason for cancellation and state the date
that you need cover to cease from - remember that if your policy is in more than one name then everyone will need to sign the letter!
If you have any other queries or wish to discuss any of the points covered above further then please don't hesitate to contact the
Sales Team on 0845 111 0680 or send an email to admin@intasure.com
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