Our Private Health & Group Travel Insurance Products
We offer a wide range of comprehensive private health and group travel insurance policies, so we’ve got you covered no matter what.
Expert Insurance for Your Needs
Experience the tailored care and expertise of Hepburns. We’re more than brokers; we’re your personal insurance confidants for life’s complexities.
FAQs
Have a question about your private health or group travel insurance policies?
We may have the answer already. See answers to our most frequently asked questions below.
Do I have a No Claims Bonus?
We do apply a No Claims Bonus to our home insurance policies. This is 1 year 15%, 2 years 20%, 3 years 25%. The amount of discount is noted on Home Insurance Statement of Facts. If you have any query about this please call us on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday.
Do I have Personal Legal Expenses cover?
If legal expenses cover is included on your policy it will be shown on your policy schedule. Alternatively please call us on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday.
Do you do Excess insurance?
We do not have any insurers available to us covering Excess insurance at this time
How will a claim affect my policy?
The effect of a claim varies depending on your claim history and if you have protection in place at the time of the claim. Please call one of our brokers on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday and we can advise you on your individual situation.
What is an excess?
An excess is the first amount of each claim that you must pay. We will deduct the amount of the Policy Excess from the settlement of your claim, or alternatively the appointed specialist or supplier will collect this amount from you on our behalf.
What is a No Claims Bonus?
A No Claims Bonus is a discount you get for being claim free for 1 to 6 years.
What is No Claim Bonus Protection?
No claims bonus protection gives protection against losing your no claims bonus in the event of a fault claim. We add it at no additional cost once you reach the maximum no claims bonus and provides protection against two fault claims in a five year period. Any further claims would then result in the loss of your no claim bonus. For more information on how your no claim bonus is affected in a claim situation please see your policy wording.
Why do I have Employers liability cover?
We include Employer’s liability in all our policies to protect you and your family where you are responsible for an employee’s illness, injury or death. This includes cover for domestic employees such as a cleaner, driver or people employed by you under contract, for example a builder or plumber. There is no additional charge for the standard level of cover and it cannot be excluded
