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Do you only insure Congregational churches? | What is a long-term undertaking? | Does the loss of no claims Bonus affect the LTU?
How can I renew my policy? | What must I do if my circumstances change?
 Do you only insure Congregational churches?
No, we are specialists in insuring almost all places of worship.
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What is a long-term undertaking?
A long-term undertaking (LTU) is an agreement between a church and an insurer to commit to renewing an insurance policy for a set number of years (typically five) on the basis of the same rate and premium discount.
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Does the loss of No Claims Bonus affect the LTU?
No, because the actual rate applied to the policy will have remained unchanged and so the LTU is completely unaffected.
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How can I renew my policy?
Approximately 4 weeks before your policy expires, we’ll send your renewal documents by post. They will give details of how to renew and how much your annual premium will be.
If you pay your premium by direct debit, we will automatically renew your policy. We will notify you of our intention to do this before your policy expires and give you details of the renewal terms, including any changes to policy cover. If you do not wish to renew your policy, you should tell us before the date. If you don’t tell us and your policy is renewed, we’ll continue to make deductions from your bank account for the new premium.
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What must I do if my circumstances change during the period of insurance?
You must tell us of any changes to the information you gave to us when you applied for the existing policy, including the sums insured. We will review this information and may need to re-assess your premium. If you do not advise us of changes this may result in the wrong terms being quoted and could affect any future claim you wish to make.
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