Home, Contents, Motor Vehicle, Boat, Caravan, House Removal, Goods in Transit…in fact you name it and we can insure it!
At Thorners we pride ourselves on being able to provide Fire and General cover to suit individuals, families and businesses alike. From your home, precious contents, cars and boats to tailored insurance to meet the needs of businesses, we have insurance cover available to meet your needs. When we review your requirements we will also look for ways to make the premium affordable. This can include:
- Increasing the excess
- Spreading the payments
- Restricting who can drive a vehicle
- Maximising multiple policy discounts
- Utilising premium savings for alarms in cars and homes
Contents cover requires constant monitoring as you are always updating items. Even if you are renting, contents cover is important as it gives you public liability cover. Remember to show us copies of any specific valuations for special items like jewellery so that we can include them. Did you know that your carpet , drapes and light fittings form part of your contents cover and if you don’t have “new for old regardless of age” cover you could face a significant shortfall on any claim?
| Duty of disclosure |
You are required to tell us of anything you know, or ought to know, that may affect the decision of a prudent insurer whether to accept your insurance, or renew your policy, and if so, on what terms. If you have not disclosed all material information, or if you have misrepresented that information, then an insurer is entitled to cancel the policy retrospectively from the beginning.
In simple terms you need to tell us about any convictions, traffic offences and claims or other material information and keep us informed so that we can make sure your policies are valid at all times.
Could you face coming home to this.
This client said that they couldn’t believe how helpful the Thorners team were at coordinating a hassle free settlement after their major loss. The insurer even noted that they had forgotten to claim for shoes!
Reviewing your home and contents cover may be time well spent.
Super Gold card holders discounts apply to some insurance cover so remember to tell us if you are a card holder.
Call us today for a quote and policy review.