COVID 19 Coronavirus response

Fiveways Insurance is committed to the safety of all of our customers as well as our staff members. Following the latest Government advice, we will be taking measures to ensure that we act responsibly to reduce the risk to everybody.

From Monday 23rd March we shall: (1) Close the office to all customers, clients and visitors (2) Our offices will be manned by half of our staff whilst the other half will work from home (3) We will rotate the staff working from home with working from the office on a regular basis

Foremost in our mind is the safety of all our staff, families and clients but we will still be here to provide the excellent service and advice that you have come to know us for.

You can still telephone us on the normal office telephone number and you will still speak to your usual account handler and of course you can email us.

During this period of uncertainty we would prefer to keep in contact with our clients via email as we do not know if and for how long the postal service will be able to continue and do not wish for any important communications to be disrupted.

We remain committed to servicing your insurance needs and responding to any queries or concerns that you have about your policy cover and insurance requirements.

God bless, and please keep safe.

Coronavirus Information and Guidance pack

FAQs

General

How can we contact you?

We have moved all of our staff to home working but you can still contact us through the usual channels:

NEWPORT OFFICE:                                                                   STAFFORD OFFICE:

T: 01952 812380                                                                       T: 01785 251790

E: enquiries@fivewaysinsurance.co.uk                                E: stafford@fivewaysinsurance.co.uk

How will Fiveways continue to look after my insurances?

Whilst all our advisers are working from home, they have full access to the office systems, telephone, email as well as full access to the Insurers. We will still provide New Quotations, carry out Renewal Reviews and administer all renewals and changes to your policies. Please continue to contact us through the usual channels:

NEWPORT OFFICE:                                                                   STAFFORD OFFICE:

T: 01952 812380                                                                       T: 01785 251790

E: enquiries@fivewaysinsurance.co.uk                                E: stafford@fivewaysinsurance.co.uk

Motor

My vehicle MOT is due to be renewed?

The Government have agreed to postpone MOT Testing for 6 months and so your current MOT will remain valid for 6 months beyond it’s original test date. Insurers have agreed to temporarily waive the requirement for the vehicle to have a valid MOT certificate until it reaches it’s new expiry date. Remember that the requirement to ensure that your vehicle is in a roadworthy condition still applies. Vehicle repair and servicing garages, as well as Tyre Fitters remain open to carry out essential repairs to ensure your vehicle remains is a roadworthy condition.

I am not doing as may miles at the moment during the lockdown?

Please contact our office to update your mileage expectations. We are able to reduce then mileage on your policy and increase it back up at a later stage once the restrictions are lifted.

I am not using my vehicle at all at the moment. Can I cancel my policy?

The vehicle must remain insured at all times unless you have formally applied to the DVLA to SORN your vehicle. If the vehicle is SORN, please contact us and provide evidence of the SORN confirmation. We can arrange for your cover to be reduced to Accidental Damage Fire & Theft or if you really do not want any cover, we can cancel the policy altogether.

I am volunteering to deliver food / medical supplies to the Vulnerable.

Insurers have agreed that your policy cover will not be affected by using the vehicle for such purposes, although they still need to be advised. Please contact us to discuss your individual circumstances.

My policy only includes Commuting to and from one permanent place off work but I am now having to work from other offices/shops/factories.

Insurers have confirmed that they will extend your policy cover without charge for the period of the restrictions, but they do need to be advised and note your policy accordingly. Pleas contact us to discuss your individual circumstances.

I have come out of retirement to work in the Health Service.

Insurers have agreed to extend your policy cover to provide the necessary business use without charge, but they do need to be advised and note your policy accordingly. Please contact us to discuss your individual circumstances.

Home

I am now working from home. Do I need to tell my insurers

Insurers have agreed to extend your Home Insurance policy to cover Clerical work from home without charge but they do need to be advised. Please contact us to discuss your individual circumstances.

My second home / holiday home is unoccupied and I am not able to visit to check on it.

Most policies include a requirement to check on your unoccupied property once every 7 or 14 days. During the current movement restrictions, most Insurers have agreed to suspend that condition. The period of the suspension and other terms vary between insurers and all require to be advised. Please contact us to discuss your individual circumstances.

My tenants have moved out of my let property and left it unoccupied.

Most policies include a requirement to check on your unoccupied property once every 7 or 14 days. During the current movement restrictions, most Insurers have agreed to suspend that condition. The period of the suspension and other terms vary between insurers and all require to be advised. Please contact us to discuss your individual circumstances.

Business

My business has temporarily closed and all staff are working from home.

Most Insurers allow for Home Working and will extend the cover on computer equipment whilst temporarily removed. You do need to advise your insurers and so we would ask that you contact us to discuss your individual circumstances.

My business premises is now unoccupied whilst everyone works from home.

Most policies include a requirement to check on your unoccupied property once every 7 or 14 days. During the current movement restrictions, most Insurers have agreed to suspend that condition. The period of the suspension and other terms vary between insurers and all require to be advised. Please contact us to discuss your individual circumstances.

My business has suffered significant loss of income as a result of the Coronavirus. Will my policy pay out for loss of income?

Many policies provide ‘Business Interruption’ cover but generally Business Interruption claims can only be made following physical damage to your premises. Some policies have extensions to the Business Interruption section of cover which might cover losses as a result of Government action to close your premises or as a result of a Disease but generally the Disease cover is restricted to a specified list of notifiable diseases. Coronavirus COVID -19 is not one of the specified notifiable diseases because until recently the Government hadn’t classified it as a notifiable disease. For most policyholders, the unfortunate fact is that cover is not available for loss of income resulting from COVID-19. Please see our Business Interruption Cover Blog explaining the situation.