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The process of progressing a claim without upfront payment of the excess depends on the insurer and the nature of the claim. It’s essential to understand how insurers and their representatives manage this aspect, as Intelligent Insurance doesn’t directly handle claims. Here’s what you need to know: Varied Practices Insurers may have different practices regarding upfront payment of excess. The claims handler assigned to your case will provide specific details based on the type of claim. Claims Process Explanation Upon reporting a claim, the claims handler will guide you through the process and clarify whether upfront payment of the excess is required. This ensures transparency and helps you understand the steps involved. Insurer’s Decision The insurer ultimately decides when and how the excess is paid. Familiarise yourself with the claims process for a smoother experience when progressing your claim. For detailed information on the claims process, including excess payment, consult with the claims handler assigned to your case. They will provide guidance tailored to your specific situation and type of claim. Please note that claim handling practices may vary, and it’s advisable to refer to the policy documentation for comprehensive details.

Endorsement Significance An endorsement serves to articulate specific terms, requirements, or limitations to your insurance coverage. It provides clarity on areas where the insurer may wish to restrict or define coverage. Limiting Factors Endorsements are in place to address specific concerns or risks. Insurers may choose not to offer coverage or may wish to set specific conditions, reflecting their risk assessment. No General Option In most cases, paying an additional premium does not enable the removal of endorsements. Endorsements are integral to policy terms and conditions, reflecting the insurer’s underwriting decisions. Flood Exclusion Exception The only potential exception relates to the flood exclusion endorsement. If you have a flood exclusion and seek to add this cover, reaching out to our team allows exploration of options. We may assess eligibility for coverage through Flood Re, possibly resulting in a revised premium. Summary Navigating endorsements requires an understanding of their role in policy specifics. While general endorsement removal through additional payment is not applicable, exploring options in specific cases demonstrates our commitment to finding viable solutions for your coverage needs.

You will receive information about any policy endorsements either through the online platform or via email before finalising your insurance purchase. Take a moment to carefully review the details labelled ‘Endorsements’ presented along with the price before making an online purchase. For a comprehensive understanding, you can also locate this information on your Policy Schedule. The full details, including the wording, will be available under the heading ‘Endorsements’. This ensures transparency and allows you to have a clear overview of any special terms or limitations associated with your coverage.

If you’ve forgotten your password, there are two options for resetting it. You can either visit the My Account log-on page and click on the ‘Forgot your password’ button, or use the direct link https://myaccount.intelligentinsurance.co.uk/forgot-password. Simply enter your email address, and within 60 seconds, you’ll receive a password reset email. Open the email and follow the instructions provided to reset your password. Remember to complete the reset within 2 hours, as the reset link will expire after this time. If you haven’t created a My Account logon before, select the ‘Create Account’ option and use the same email address you used when creating your quote/policy.

You cannot change the policy but you can let us know of the changes you wish to make online by completing our amend policy form. To make this as quick and efficient as possible, include in the form as much detail of the change as possible. For example if you have renovation work planned, we would need to know when its starting, how long it’s expected to take, the total value of the works, whether you will live there during the renovation, and what is going to be changed or added to the property (including what is involved in each stage of the renovation i.e. electrics, plumbing, building etc). We would also need to know what the revised rebuilding cost would be.