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The response is always prompt, friendly and efficient, even out of hours. We feel really well looked after.  Southdown Farms

GENERAL FAQs

Why should I choose Alan & Thomas?

As a leading Chartered Insurance Broker, Alan & Thomas has a specialist team of advisors that can arrange comprehensive and competitive insurance cover for all types of businesses and private client requirements. Our insurance products are designed to be bespoke for every one of our customers, and we work closely with some of the UK’s leading insurers to tailor our cover to the exact requirements of each individual client, ensuring it fits in with their lifestyle and needs.


Are your quotes free?

Absolutely – all of our quotes are completely free of charge and there is no obligation to accept. We are here to work alongside you and find an insurance policy that suits your needs.


Can I get cover immediately?

Absolutely, speak to one of our advisors today who will be able to organise the cover you need and collect your payment over the telephone.


What type of insurance will I need for my business?

If you are unsure in any way of which insurances your business may need, speak to one of our expert advisors directly who can help you find the right insurance policy for you.

How do I have to pay for my insurance?

We currently accept a range of payment options, but the most common is via debit or credit card over the telephone. Alternatively, you can always send us a cheque in the post. We also offer the option to spread your payments across several interest-free monthly instalments, subject to status. Speak to a member of our team for more information.


Can I cancel my policy at any time?

Yes, we do provide the option for policy cancellation at any time – if you would like to do this, please speak to one of our advisors directly.


How do I make a claim?

In the unfortunate event you need to make a claim, Alan & Thomas has a team of dedicated claims advisors who are experienced and knowledgeable in this aspect of insurance. Simply call us directly and one of our specialist claims advisors will manage the claim on your behalf.


What is an excess?

An excess is defined as an amount that would need to be paid by you in the event of an insurance claim. This is something that is agreed before you sign up for your insurance policy and can be tailored to suit your budget and needs.


AIRCRAFT FAQs

Where does my insurance allow me to fly?

When setting up a new aircraft or helicopter insurance policy, our advisors will discuss your individual requirements to create a policy that will suit your needs. As such, we will outline the regions within which you will be permitted and protected when flying in, and this can range from just the UK to Europe and further afield.

Do I need insurance if I rent or borrow an aircraft?

Absolutely – unfortunately it is a common belief that you will automatically be covered under the insurance policy of the owner, but this is not always the case. If you are unsure of what insurances may be required when renting or borrowing an aircraft, please speak to one of our insurance experts who can advise you accordingly.

My aircraft is not currently being flown – does it still need insurance?

It is not a requirement for an aircraft to be insured in this situation, however your aircraft will need to be insured to the minimum legal levels required before any flight is undertaken. If you are unsure of your exact insurance requirements, please speak to a member of the Alan & Thomas Insurance team.

CHARITY FAQs

We aren’t a registered charity – can you still insure us?

Yes we can - many of our existing clients are small charities, local groups or community organisations that are new to the industry and still too small to be considered a registered charity. If you are unsure of your insurance requirements, please speak to our expert advisors directly.

What cover limit should I choose?

Before arranging any insurance, we would recommend you check with your relevant client or industry body to ensure you have the minimum level of cover in place to satisfy any regulatory requirements first. If you are unsure of what this means or this is the first time you have arranged cover for a charity, give some consideration to a worst-case scenario situation and the associated costs that could be involved for your charity or organisation. We offer a range of cover limits, so speak to one of our experienced advisors for further assistance.

We don’t currently have a regular meeting place – can you still insure us?

Absolutely – we already provide insurance to hundreds of small charities and community groups that don’t have specific meeting place and instead choose to rotate between several different venues such as village halls, community centres or members’ homes. Speak to one of our advisors to find out more.

BUSINESS FAQs

What is business insurance?

Business insurance is the title given to any form of insurance that is specifically tailored to protect a business in the event of an unforeseen accident or event. It is designed to protect your business against the financial implications that could arise from a claim, meaning it is something you would hopefully never have to call upon! However, for some industries and businesses it is a legal requirement before trading can begin.

Why should I insurance my business?

There are several reasons to consider business insurance. The first is that it may be a legal requirement with your industry, such as a retailer holding legal liability insurance. Secondly, taking out business insurance can help to prevent financial losses impacting your businesses when events that are out of your control occur, for example a flood. It is also important to protect both your employees and your customers in the event of an unforeseen incident.

What are the basic insurances my business needs?

Unfortunately, as businesses vary so significantly from industry to industry, there is no standard set of insurances that will give your business complete coverage. As a result, it is important to create a policy that is tailored to your exact requirements, so speak to one of our advisors who can discuss this with you.

How do I choose the right insurances for my business?

In a complicated marketplace, it is important to break down the jargon and understand exactly what risks your business could face. Our advisors are experienced and knowledgeable in all aspects of business insurance, having already helped hundreds of clients in a similar position to you. Provide us with honest, accurate information and we can help ensure your business is fully protected with a suitable insurance policy.

How much does business insurance cost?

Our expert advisors will be able to advise you of an appropriate price for your business insurance based on the information you provide to us when making an application. They will take into consideration all aspects of risk including any business-specific risks, your assets, your employees and any previous business insurance claims. Once a price has been agreed, we can proceed with completing your policy.

How often should I review my business insurance?

We would always recommend that you review your business insurance at least once a year. It would also be prudent to review your insurance needs as your organisation grows, taking on new employees or moving to larger premises for example. If you are unsure in any way, please contact a member of our team directly.

Do I need to insure my commercial vehicles?

Absolutely – it is a legal requirement for all commercial vehicles to be covered with the appropriate insurance. Each vehicle should be covered for accidental damage, fire and theft. If your business uses a fleet of cars of vans, it may be more cost-effective to consider a multi-vehicle insurance – speak to one of our expert advisors who can help you with this.

What is a business continuity plan?

Having a suitable business continuity plan can make all the difference when it comes to protecting your business. If your organisation was affected by a natural disaster or the death of a key employee, a business continuity plan would lay out the relevant guidelines for all employees so that operations could continue in an appropriate manner, minimising any losses and ensuring you can continue to trade.

I work from home – am I covered under my home insurance?

Unfortunately many standard home insurance policies exclude property that is used solely for business purposes. In order to guarantee all your assets would be protected in the event of an incident, speak to a member of our business insurance team directly.

PRESTIGE VEHICLE FAQs

What is a no-claims bonus?

For every year that you hold car insurance and don’t make a claim, you’ll be entitled to a discount on your policy in the following year – referred to as a no-claims bonus. The amount of bonus relates to the number of years you go without a claim up to a maximum of five years, where drivers can expect to receive around 60 – 65% off their insurance premiums.

Can I protect my no-claims bonus?

If you are involved in an accident that was fully or partially your fault, it’s likely that you’ll be at risk of losing your no-claims bonus. If the accident was not your fault, you will usually maintain your discount at the expense of the driver at fault. We offer additional protection to safeguard your no-claims bonus even if you were to make a claim, meaning you would continue to enjoy a discount going forward. To add this to your policy, speak to one of our advisors directly.

Does my vehicle need a tracking system to qualify for insurance?

The majority of insurers will stipulate that any vehicle valued over £50,000 will require a tracking device fitted for their insurance to remain valid in the event of a claim.

I’ve had claims/convictions before, do I need to declare them?

At the time of quotation, it is a requirement that all previous claims or driving convictions are declared. Any previous claims or convictions that are discovered during the claim process could invalidate any insurance and you would therefore lose any compensation entitlement.

What cover level should I choose?

All the prestige vehicle insurance policies we arrange are on a comprehensive basis only.

Does my prestige vehicle insurance allow me to drive other cars?

Yes - the majority of the insurance policies we arrange permit you to drive other vehicles in a comprehensive only basis.