Terms & Conditions

Ashburnham Insurance Services is regulated and Authorised by the Financial Services Authority. Our FSA registration number is 300777. You can check this on the FSA register or by calling the FSA on 0845 606 1234. We have our terms of business available online.

This quick quote system is designed to give an indicated premium, not a guaranteed figure.

The following presumptions are made in order to provide you with a quick quotation:

• You are not a property developer
• Your property is occupied by the tenant number and type you indicate
• You have a short term, 6 months or more lease agreement direct with the tenant(s) occupying the property
• Your lease agreement with the tenant(s) occupying the property does not allow the tenant(s) to sublet
• Your tenant(s) will not be allowed to cook in any area other than a clearly designated cooking area or in an area where a fire officer has given written approval.
• Your property is a standard construction, 2 storey house with no commercial business use and no structual alterations, or major renovation work affecting load bearing walls has been undertaken, in progress or planned.
• Your property is in a good state of repair and this is how it will be maintained
• Your property is heated solely by oil and/or electricity and/or mains gas and/or solid fuel
• Your property is not in an area/position likely to be subject to flooding or where flooding has occured
• Your property is not close to a cliff, quarry or other excavation
• Your property is showing no signs of existing or previous damage by subsidence, heave of landslip.
• Your property has not been underpinned.
• Your property has no flat roof
• You (or any director/partner of your company) have not suffered any loss, incurred liability, whether insured or not during the last 3 years with regards to the risks proposed (at any property) or had any claims made against you.
• You (or any director/partner of your company) have not been convicted of, or are in the course of being charged with, any offence(excluding driving offences).
• You (or any director/partner of your company) have not been declared bankrupt or been a director of a company which went into liquidation.
• You (or any director/partner of your company) have not had any insurance declined, cancelled, refused or has any special terms applied by any insurer for the risks proposed.

It is your responsibility to disclose any material facts which could affect any quotation or policy.

While we do provide a link to the BCIS for an estimated rebuild value we cannot guarantee how accurate the figure given will be. For an accurate reinstatement value for your property you should obtain a full building survey from a qualified professional. Under insuring your property will result in a claim being repudiated or only a percentage of the claim being paid.

You can view the cover provided by the insurers we deal with via our cover details page.

Automated submission or requests of data to or from this website to obtain quotations, rates, terms or any other information is not allowed.