Kew Insurance Services
'Stay Secure' with 'Simply Secure'

FAQ's

Frequently Asked Questions

 

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FAQ's

Home insurance can seem complex, at times to many people, and here at Kew we are often asked the same questions on a regular basis.

So because of this, we have decided to answer these frequently asked questions to help you have a smoother process when it comes to your home insurance.


1. I have found a cheaper quote elsewhere, can you beat it?

We have a ‘Price Match’* facility whereby we aim to match – and often beat -quotes you may find elsewhere. To implement this, you must have had a claims-free history for the past 3 years, and any alternative quote must be on a like-for- like basis.


2. Is there a reward for loyalty to the company?

On the two-year anniversary of your insurance payments, if you call us within 30 days, you may secure a glorious mystery gift from Kew!
We recently sent out gifts to six members of our VIP club, who enjoy a claims-free history. They were delighted to have received a surprise gift of chocolates and sparkling wine, courtesy of Kew.


3. I am a Landlord, can Kew Insurance cater for my insurance needs?

Kew’s 'Simply Secure' policies offer a bespoke Building insurance product for landlords.


4. My home is a brand new home. Is there anything special you can offer me in terms of price for my home insurance?

Yes. Kew’s 'Simply Secure' policy can offer three months totally free home cover for a brand new home**.


5. Is there anything that makes Kew Insurance’s team stand out from their competitors?

Yes! We value customer service above all else. Our customer-focused team won the inaugural “Best Business” title from the Richmond Chamber of Commerce.


6. What is Personal Possession cover?

Personal Possessions cover is insurance cover specifically designed to protect your clothing, personal belongings and valuables, up to a value of £1,500 per item, whilst these items are away from the insured property address. In most cases, this section cover will be offered at £2,000, but can be increased should you require a higher level of cover.


7. What does the term “Specified Items” mean?

Specified Item section is a cover specifically designed to cover your personal belongings and valuables, with a per item value of £1,500 or more, whilst these items are away from insured property address. In most cases, you will need to discuss your specific requirements with your broker.


8. Why would the insurance company need a valuation certificate?

A valuation certificate is used to confirm the following:-

·         Proof of existence – Confirming that the item exists

·         Proof of ownership – Confirmation that the insured owns this item

·         Confirmation of value



9. What does voluntary excess mean?

A voluntary excess, is a terms used to describe the first amount payable by you (the insured) following a loss/claim. A voluntary excess will be the amount you have selected to pay, following a loss/claim (ie. £100, £200, etc.), and will be added to a compulsory excess (compulsory excess defined below).


An example:-

Voluntary excess selected                              :           £  50.00

Compulsory excess applied                            :           £100.00

Total excess payable, following a claim         :           £150.00


10. What does compulsory excess mean?

A compulsory excess, is a terms used to describe the first amount payable by you (the insured) following a loss/claim. A compulsory excess will be the amount which the insurer applies to the policy, following a loss/claim (ie. £100, £200, etc.), and will be added to any voluntary excess (voluntary excess defined above) you may have selected at the time of quotation and issue of the policy.

An example:-

Voluntary excess selected                              :           £  50.00

Compulsory excess applied                            :           £100.00

Total excess payable, following a claim         :           £150.00


 *'Price Match' is based on 'like-for-like' cover; terms & conditions apply.
**Subject to meeting underwriting criteria and meeting terms and conditions, insured property must be less than five years old.


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