Insurance Services

Q. How will my insurance be affected if I am working from home temporarily?

A. If you are undertaking clerical work, there is no need to inform us of this change and your cover will not be affected. If this becomes permanent or you have visitors to the home in connection with your work it is important that you let us know as this may impact your cover.

Q. How will my insurance be affected if my employment status has temporarily changed?

A. If this change is due to the Covid-19 situation then there is no need to inform us. As above, if the change becomes permanent, it is important that you let us know.

Q. What if the insured property is unoccupied?

A. Many insurers place conditions on a policy for inspections in the event a property is unoccupied for over 60 days. We appreciate it may be very difficult to inspect the property currently due to social distancing and safeguarding measures outlined by Her Majesty’s Government therefore we have sought flexibility from insurers. The following would be considered good practice

  • Where it may be safe to do so we would encourage the stop cock to be turned off to prevent any possible water damage
  • When social distancing and safeguarding measures are lifted we would expect the unoccupied property to be inspected again, in line with your policy conditions

Q. What would happen if I needed to claim and required alternative accommodation?

A. Should you be unfortunate enough to suffer damage to your property where you (or tenants, if you let your property) need to move in to alternative accommodation, then your policy will still cover this (up to the limits in your policy wording), including taking precautions should you be self-isolating

Q. Am I covered for deep cleaning if someone in my household has been diagnosed with Covid-19?

A. Your insurance does not provide cover to deep clean your property, in the event someone in the household has had Covid-19

Q: What should I do if I need to make a claim under my existing property insurance policy?

A: Please contact your insurer directly. Their claims number will be listed in your 'Insurer Contact Information’ Document.

We are regularly liaising with insurer partners to ensure they are continuing to meet service levels

Q: What should I do if I need to make a change to my property insurance policy?

A: Either call us on 01392 849750 or email us at brt@first2protect.co.uk  Please note that it may take us longer to respond than would otherwise be the case. Please bear with us.

Q: What if I am experiencing financial difficulties and cannot pay my property insurance premium?

A: Either call us on 01392 849750 or email us at brt@first2protect.co.uk  Please note that it may take us longer to respond than would otherwise be the case. Please bear with us.

We may be able to make adjustments to ensure premiums remain affordable, whilst ensuring continuing cover

Q: What will happen at renewal of my property insurance policy? Will this be affected by the
Coronavirus?

A: Your renewal invitation will be issued as per your preferred delivery method. We would like to make you aware that we offer an electronic delivery option for providing your policy documentation. At your renewal date, you will receive an email with a link to your personalised vault. When you log into the vault, an SMS code will be sent to the mobile number we hold on your file to provide your password. Signing up to this delivery method would ensure that you still receive your policy documentation in the event that there are any disruptions to standard postal services. Please contact us for this.

If paying by direct debit, your policy will renew automatically. If paying by single annual payment, you will need to contact us on 01392 849750 to make payment to ensure continuation of cover. Please note that it may take us longer to respond than would otherwise be the case. Please bear with us.

Q: What if I need to cancel my property insurance policy?

A: Either call us on 01392 849750 or email us at brt@first2protect.co.uk  Please note that it may take us longer to respond than would otherwise be the case. Please bear with us.

Q: I am a new property insurance customer. Will my policy start automatically as agreed?

A: If you have already agreed to start your policy automatically, this will continue to be the case. You will receive your policy documentation when the policy is made live.

If you have any concerns, call us on 01392 849750 or email us at insuranceservices@first2protect.co.uk  Please note that it may take us longer to respond than would otherwise be the case. Please bear with us.

Q: What should I do if I have a personal/health situation which is making it harder to communicate with you about my property insurance policy?

A: If you can call us on 01392 849750 or email us at brt@first2protect.co.uk

Any information that is disclosed will be treated as strictly confidential and will help us to provide a better service.