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Frequently Asked Questions (FAQ)
Q1. Can I insure a single item under this policy? Q1. Can I insure a single item under this policy? A. Yes - this policy can insure a single item (e.g. an engagement ring) or a whole collection. You should purchase a sufficient number of Units (each worth £5,000) to allow adequate cover for the replacement value of the item or items that you wish to insure with Connoisseur. Please remember that in the current financial climate replacement costs are likely to increase rather than decrease, so you also allow for a factor of currency fluctuations or other kinds of inflation during the policy year when selecting the correct number of Units for your needs. Q2. Does the Policy cover Fire, Theft, Water Damage and Accidental Damage? A. Yes - a specimen policy wording is available under Policy Wording heading. Q3. I have an alarm, but it is not NSI/NACOSS or SSAIB approved, do I still qualify for a Connoisseur Policy? A. Provided that your security meets our requirements in other respects (e.g. adequate locks), you can purchase up to 2 units of cover (£10,000) without the need for an approved alarm. If you require higher limits please complete the Contact Us section of this website, or you can call us on 01306 734 600 Q4. What kind of collections can I insure under this policy? A. You can insure almost any type of collection, apart from live animals and motor vehicles. Q5. Which section would I put a model railway collection under? A. If each item is worth less than £500, insure as "Collectables". Insure larger valued items as "Others". Q6. What is Treen? A. We define treen as items that have been produced from turned, or more rarely carved wood. We will also cover small wooden boxes under this category. Q7. I have a mixed collection of ceramics, posters, paper weights and costume jewellery, all items being worth less than £500 each. Which section should I use? A. "Collectables", however you may find it cheaper to insure some items under the specific headings if you have a large collection. Q8. Will this policy affect my existing Household Insurance Policy? A. It would be wise to inform your insurers that you are considering a separate insurance policy for your collections. Specialist insurance policies of this nature have been available for many years and most insurers are more interested in insuring your general contents. If you encounter a problem with your existing insurers, we will be happy to quote terms for your general household insurance requirements, to include your collection, under either the Sterling Executive Home or Executive Plus policies. Q9. Can I insure jewellery and watches that I wear everyday? A. Yes, but please note that we can normally only cover these up to a maximum limit of £20,000. Call us if you require a higher limit and we will try to adapt the policy to meet your requirements. You may also find it more economic to insure such items as part of the Sterling Executive Home or Executive Plus policies. Q10. Do I have to fit an approved safe for my jewellery and watches? A. The maximum amount we will pay for losses to jewellery and watches is £20,000 unless such items are kept in a locked safe. Q11. Can I change from UK to worldwide cover during the course of the policy period? A. Yes - you can do this from your "Personal Menu" (which is password protected). You will be charged Pro Rata terms at the higher (double) premium until the next renewal. Please note that, once you have upgraded to Worldwide Cover, there is no financial benefit in reverting to UK cover prior to the Renewal date. Q12. What is the "Personal Menu"? A. Once you have purchased a policy, you are given a unique username and password. This enables you to make changes to your policy at anytime online via the "Personal Menu" which you will see once you have logged in. Q13. What happens if I change my correspondence or e-mail address? A. You should notify us of any change to your correspondence or e-mail address. Please do this from your online "Personal Menu" or write to us at: Connoisseur Policies Ltd Q14. What happens at Renewal? A. You will automatically receive a Renewal Invitation 21 days before Renewal (and 3 days before Renewal if you have not responded) and you can pay your Renewal Premium with a Debit or Credit Card of your choice. Q15. What happens if I forget my password? A. Click on Forgotten your Password and it will be e-mailed to you. If you have a question that is not answered above, or you are still unclear, please contact us by Email or call us on 01306 734 600 |