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FAQ

Policy Level

Who are Archipelago?

We are a new specialist general insurer, not a broker. We provide a flexible multicover policy, tailored to your needs, that covers your property assets, possessions and lifestyle.

We’ve harnessed the power of primary data sources and new technology to create the Archipelago Platform, an automated system, which greatly improves the experience of buying and using General Insurance for both you and your adviser.

We are backed by Arch Insurance (UK) Ltd, a wholly owned subsidiary of Arch Capital Group Ltd, a Bermuda based company with approximately USD11.17Bn in capital (as at 31/12/2018). They provide the security behind your policy.

Arch Capital are rated A+ by Standard and Poors, Fitch and A M Best, and A2 by Moody’s.

What can Archipelago insure?

We can insure your Buildings, General Contents, Valuables, Fine Art, Motor, Travel, Pets and Residential Investment Properties.

How can I purchase my Archipelago policy?

Our policies are only available through carefully selected advisers. We believe in the trust you have in them and the face to face advice they provide.

Does my policy need to include all the risks that you cover?

The only risk that your policy must include is General Contents for your main residence.

Can I be insured for other risks before the General Contents of my main residence?

Yes, if you have already agreed to purchase the General Contents and cover is scheduled to commence within 364 days of the date on which the policy commences.

How long is my quote valid for?

Your quotation is valid for 60 days and is based on an initial 12 month period. All the risks you would like to purchase must commence within this 12 month period for the quotation to be valid.

What does your coverage guarantee mean?

In simple terms it means we will match the cover of your previous provider’s policy. If under the Buildings, General Contents and Valuable Articles, your Liabilities or Motor sections, your Archipelago policy is less favourable than the cover provided by the equivalent section of your policy in force immediately before your Archipelago policy commences, we will provide cover on the basis of your previous policy.

However, this does not apply to: the premium or the excess; any amount insured or limit that you have specified or chosen; or any cover where you have not purchased the equivalent section of cover from us.

How do I add the different risks to my Archipelago policy?

When you take out a policy with Archipelago you can add all your current risks at the outset including the current renewal dates. We will remind you to cancel your current policy when the renewal is due via email. The risk will automatically attach to your Archipelago policy and your schedule of payments will reflect the premium increase for the added risk.

Alternatively, you have the choice to put all your risks on cover with us by cancelling all your current policies at the outset.

Can I cover extended family members or household staff?

You can include extended family members and household staff by adding them as additional insured persons for the risk(s) that you choose.

How is my policy renewed?

There is no annual renewal. However, your adviser will review your policy with you annually to make sure you are fully covered and make any policy changes. We also review the sums insured on which your premiums are calculated to ensure they remain appropriate and will then issue a revised policy schedule.

Can I amend my policy at anytime without charge?

Your policy is fully flexible. You can add or remove risks or change the amount of cover at any time, without any admin charges. For example you can add a second vehicle or a new named driver and we will amend your monthly premium and not charge you any policy administration fees.

Are there standard policy excesses?

Our standard excess of £500 applies to Home, Motor, Investment Property, and Travel. There is a £100 excess for a replacement windscreen and no excess for windscreen repairs. The excess on Pet cover is £100.

Can I choose a higher excess?

Yes, depending on the total premium spent on the policy we will offer you two additional excess options, except on Travel, Pet and Windscreen which remain as standard.

How can I be sure my premiums won’t increase substantially at my first annual policy review?

We want you to be with us for the long term. From the outset we charge you a fair and sustainable premium, which should adjust marginally over time depending on the changing profiles of your risks.

Do you offer any specific multi-risk discounts?

Yes, we offer discounts for two or more cars, two or more Pets and three or more Investment Properties.

Do you charge interest for paying by monthly direct debit?

No, we do not. You can either pay by annual or monthly direct debit with no interest or penalty charges for paying monthly.

How do I make a claim?

We make it easy for you to tell us about any potential claim. We have one dedicated number, answered straight away, for all claims (except medical emergencies abroad).

Everyone insured under your policy receives a Member’s card with contact details to use in the event of a claim.

Our dedicated claims professionals will help you quickly, sensitively and efficiently. They’ll also give you the choice to process your claim online by answering a few questions and uploading images or videos.

Unlike many other insurers, we will not penalise you for telling us about an incident that does not result in a claim.

If I make a claim under the Home cover will this impact the premiums of the other covered risks?

No. We calculate the premiums for each risk separately, therefore a claim under your General Contents would not affect your Motor premium.

Do you provide cover for overseas assets such as property?

We provide cover for UK property and assets. We do not provide cover for overseas Property or Motor in Northern Ireland or outside the UK.

Can I cancel my cover if I want to?

Yes, any individual risk e.g. individual vehicle or product, for example all your vehicles can be cancelled at any time with no notice period or administration fees. We do require 30 days’ notice for cancellation of your whole policy. Please note that cancelling the General Contents on your main residence will result in the cancellation of your whole policy.

We can also cancel your policy by giving you 30 days’ notice (except seven days for Motor). This is unlikely except in the event of non-payment of premiums or material misrepresentation.

Home

Is the coverage for Buildings and General Contents genuinely unlimited?

Yes, for Buildings and all items of General Contents valued at under £20,000, either individually or as a set.

Why don’t you ask me to provide sums insured for Buildings and General Contents?

We believe it’s unfair to ask you to be an expert in these areas or to penalise you for a wrong estimate in the event of a claim. We use expert data providers to profile your risk and if we are wrong it’s our problem, not yours.

Are my outbuildings covered?

Yes, and their contents. We will ask you about the size and type to ensure they are properly covered.

Do you cover swimming pools?

Yes, we just need to know if the pool is outside or inside.

Are my Valuable Articles, Art, and Jewellery covered?

Yes, we only ask you to specify any items valued at more than £20,000 each or as a set. For all other items, we only need their aggregate value.

Can I give you a list of Specified Articles?

Yes, you can ask your adviser to add this and he/she will upload the list into our platform.

Am I covered for Home Emergencies such as burst pipes or a boiler breakdown?

Yes, we include Home Emergency as standard. If we are unable to repair your boiler, we will even pay £500 towards a replacement one.

Do I need a safe, alarm or special window and door locks?

No, we trust you to take the security measures you feel are appropriate.

Are my General Contents and Valuable Items covered away from my home?

Yes, we give you worldwide cover as standard.

Motor

Do you cover young drivers?

Yes, we set out to cover as many of your general insurance needs as possible and recognise this is a problem many of our clients have faced or are about to.

Do all drivers earn a No Claims Discount?

Yes, automatically for all named drivers on an insured vehicle. You will no longer have to nominate just one driver per vehicle to benefit from this.

Do you provide Motor breakdown cover?

Yes, we provide this as standard for both the UK and Europe.

Is there a windscreen excess?

Yes, but only if your windscreen needs replacing, which is £100. If it can be repaired, there is no excess.

Do you insure classic cars?

Yes.

Can you insure my scooter or motorbike?

We currently do not offer motorbike or scooter insurance. We are working with specialists in this sector with the aim of adding this to our product portfolio in the near future

Travel

Is this a worldwide policy?

Yes, automatically for anybody under the age of 75 (subject to our on-line medical screening tool) and includes winter sports. Trips of up to 90 consecutive days are covered as standard and longer periods by agreement.

Cover for a person over the age of 75 will need prior agreement to them being added to the policy.

Do you cover my business travel?

No, this would typically be covered by your employer.

Why will Archipelago’s Travel insurance give me greater peace of mind than my bank or credit card travel cover?

Unless you digest the T&Cs of many ‘packaged’ travel insurance products you’ll not know their limitations and exclusions especially around undeclared medical conditions. And you may miss their requests to update your medical records. At your Archipelago annual review, however, we’ll make sure all your records are up-to-date. Our comprehensive, worldwide cover will give you complete peace of mind. And we handle any claim you might make from start to finish.

Why am I being asked to complete a medical screening?

If you’ve answered ‘Yes’ to certain questions we will ask you to complete a short online medical screening. We need to understand any potential issues up front to ensure any claim progresses swiftly and easily. We expect to accept 95% of all declared medical conditions.

Do you cover off-piste skiing?

Yes, if you are accompanied by any other individual and it is not against the recommended advice of the local authorities.

Pet

Which animals do you cover?

We provide cover for cats and dogs. Unfortunately we are unable to provide cover for pets of 8 years of age or older at the start of the policy.

What level of cover do you provide?

You can choose £4,000, £8,000 or £12,000 of annual cover for veterinary fees.

Investment Property

Can I cover Investment Property held in limited companies or in a trust?

Yes, simply include the company or trust as named insured.

Do you provide Buildings insurance on behalf of shared freeholders?

Yes, if there are not more than five properties within the building.

For more information on joining us as a distribution partner get in contact below