Frequently asked questions
Claims | Church Insurance | Home Insurance | General
Claims
How do I make a claim?
For more details on how to make a claim, please visit the making a claim section of this site. Alternatively call our claims department on 01274 700 700 (Monday to Friday 9.00am to 5.00pm)
Who should I contact out of hours if I need assistance?
If you need assistance you may wish to call one of the helplines shown below. These are free and confidential services offering help and advice to policyholders. They help with a wide range of events and emergencies such as building damage, burst pipes, a blocked drain or a broken window. These services are available 24 hours a day, 365 days a year.
| Home Assistance call: |
0800 1388 112 |
| Home Glass Replacement call: |
0800 1388 113 |
| Church Assistance call: |
0800 1388 114 |
| Church Glass Replacement call: |
0800 1388 116 |
| Home and Church Counselling call: |
0800 1388 115 |
Please do not use these helplines to report an insurance claim.
For more information click here
What is an excess ?
All our policies include a policy excess. This is the first part of any claim that you have to pay yourself. Details of your excess can be found on your policy schedule.
Does my claim affect my No Claims Bonus?
For each and every claim made under ANY section of your policy, your no claims discount may be affected.
If my claim is accepted, how will it be paid?
Settlement will be paid by cheque, either to you or your contractor, minus the excess.
How can I send in documentation or an estimate to support my claim?
You can send us documentation by post to Claims Department, Congregational & General Insurance plc, Currer House, Currer Street, Bradford BD1 5BA.
Email claims@cgins.co.uk or fax to 01274 370 754, please ensure that you write your claims reference on all correspondence.
What is a loss adjuster?
A loss adjuster is an independent claim specialist who investigates claims and recommends a fair settlement.
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Church Insurance
Do you only insure Congregational churches?
No, we are specialists in insuring almost all places of worship.
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.
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.
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.
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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Home
What does building insurance cover?
It covers your home, its permanent fixtures and fittings and decorative finishes, patios, terraces, hard sports courts, sunken swimming pools, ornamental ponds, fountains, cesspits, septic tanks, central heating fuel tanks, paths, drives, walls, gates, fences, railings, lampposts and in so far as they are fixed to the building, solar panels and wind turbines all contained within the boundaries of the land. It doesn't include contents or items such as satellite television receiving equipment, television or radio aerials, aerial fittings, aerial masts or plinths.
How much should I insure my contents for?
Cover provided by our policy is based on replacing contents on an old for new basis except for clothing and linen where a deduction for wear and tear will be made – your contents Sums Insured should reflect this and contents should be insured for the amount it would cost to replace them as new. Our nest policy you will automatically insure your contents up to £50,000.
Do you offer accidental damage cover?
Yes, it is automatically covered on the Nest policy and is offered on Home Choice as an optional extension for an additional premium.
How do I know my sums insured is up to date?
Your sum insured will automatically be adjusted monthly in line with House Rebuilding Cost Index and the Durable Household Goods section of the General Index of Retail Prices. We would encourage you to review your Sums Insured annually to ensure that they represent the correct rebuilding and replacement cost at risk. To ensure your home is properly covered, please visit the rebuild cost calculator http://abi.bcis.co.uk/.
Do you charge for making amendments to my policy?
No administration fee is charged for a mid-term adjustment, however a minimum premium increase of £10.50 (including insurance premium tax) will be applied.
Would I get an additional discount for buildings and contents insurance?
Yes. A discount will be applied to any combined quotation offered.
How can I renew my policy?
Approximately 4 weeks before your policy expires, we’ll send your renewal documents by post. They will include details on 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.
What must I do if my circumstances change during the period of insurance?
You must tell us of any changes in the information you provided to us, including the sums insured. We then may need to re-assess your premium. If you do not advise of any changes this may affect your cover or any future claim you wish to make.
How do I cancel my policy?
If you decide that our policy doesn’t meet your needs you need to return it to us or your intermediary with 14 days or receipt of your documentation. If you choose to do this you will be entitled to a refund of your premium. We will charge a pro-rata premium for the time on cover, plus £15 to cover our operational costs, subject to a minimum amount, please see policy document for full details.
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