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CIDRA Disclosure Obligations – Consumers

You must take reasonable care to provide complete and accurate answers to the questions we ask when you take out, make changes to, and renew your policy.

You should be aware that if the information provided by you is not complete and accurate, we may:

  • cancel your policy and refuse to pay any claim, or
  • not pay any claim in full, or
  • revise the premium and/or change any excess, or
  • revise the extent of cover or terms of this insurance.

We recommend that you keep a record (including copies of letters) of all the information you provide to us for your future reference.

Definition of customer: any natural person who is acting for purposes which are outside his trade or profession.


Property Unoccupied Reason


Personal Details

We will never under any circumstances give your email address or details to any third party


Cover Details

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More details

For properties with more than seven bedrooms, please visit www.vasek.co.uk

More details

£1,000,000 cover is provided as standard, including Accidental Damage Cover

If you require a higher sum insured, please visit www.vasek.co.uk

£10,000 cover is provided as standard, FREE of charge when the Buildings are insured, including Accidental Damage Cover

If you require Contents only cover, please visit www.vasek.co.uk

£10,000 cover is provided as standard, FREE of charge when the Buildings are insured, including Accidental Damage cover


Data Protection
It is understood by you that any information provided to us regarding you will be processed by us in compliance with the provision of the General Data Protection Regulation (GDPR), for the purpose of providing quotations, insurance and handling claims, if any, which may necessitate providing such information to third parties. Please be assured that we will not sell your data to any third parties. Please click here to view our Privacy Policy. By agreeing to this declaration, you are consenting to us sending you correspondence relating to this quote

Important Notice
The information you have provided in this submission contains statements upon which we will rely when deciding whether to accept this insurance and the terms on which it may be offered, including the amount of premium payable.

It is very important that the information is complete and accurate. If you are in any doubt at all regarding any of the answers given, you should ask us or your insurance broker.

If any of the information provided by you changes after you purchase your policy or during the period of your policy you must immediately provide us with details of the changes.

We act on a ‘non-advised’ basis which means that we will offer you information about the significant features, benefits, limitations and exclusions of a particular insurance policy(ies), but it is for you to decide by assessing the features, benefits and conditions which of these best suits your requirements. When acting on a ‘non-advised’ basis, we act as Agent of the Insurer (that is to say, we represent the insurer).

We place cover with Pen Underwriting Ltd which is a company in the Gallagher group and acts on behalf of a number of insurers. Where we use other Gallagher companies to place your insurance, we always aim to treat you fairly and we manage all potential conflicts in accordance with our Terms of Business.

Declaration
To the best of my/our knowledge and belief all statements and information provided in connection with this insurance, either orally, electronically or in writing, are true. I/we understand that non-disclosure or misrepresentation of any of the answers given may entitle underwriters to:-

  • cancel my/our policy and refuse to pay any claim, or
  • not pay any claim in full, or
  • revise the premium and/or change any excess, or
  • revise the extent of cover or terms of the insurance.