Elderly or disabled customers

Any changes made to your home to help elderly or disabled members of your family would be covered under the normal terms of your policy, but...

Childminders

We'll only allow clerical work related to your client's business at their home to be covered. Therefore we can't provide a quote if your cli...

Solar panels

If your client owns solar panels and they're attached to their home or fixed to the ground within the boundaries of their home, we'd cover t...

Students

FFor Home Insurance policies beginning with PNL/PS/ or Tenants Contents policies beginning TC/PS/: There's an additional level of cover...

Tools

Paymentshield contents policies covers tools within your client's home, but only for personal use.Tools are not covered for:- Personal posse...

Working from home

If your client works from home, they'll be covered under their policy, as long as it's only clerical work that they're doing.Cover isn't aff...

Lodgers

Typically we're unable to provide cover if the client has a lodger. An exception to this is where somebody may be living in the property in ...

Travel insurance contribution

Travel insurance contributions shouldn’t affect your client's no claims discount on their Home and Contents insurance policy.When claiming u...

Transferring residential cover - ensuring cover is held on both properties

If your client is an existing Paymentshield customer and is in the process of moving home, we can transfer their cover to their new home whi...

Motorised vehicles

Our contents insurance provides cover for:- Motorised/electric wheelchairs- Garden machinery- Motorised/electric wheelchairs and garden mach...

Homes let out on occasional basis - home insurance

Our panel of insurers will continue to insure policyholders who let out their homes on an occasional basis for events such as The Open Champ...

Loss from communal areas

Items left in common parts of a building, often found in places such as a block of flats, aren’t covered under the general contents cover of...

Pedal cycles

Home Insurance:For new business, Contents Insurance covers pedal cycles (bicycles) within the home up to the contents sum insured limit.&nbs...

Holiday homes

If you want to insure a second home which isn't permanently lived in or is a weekend or holiday home, Paymentshield can't offer cover for th...

Contents during removal

Our contents cover includes;'Loss or accidental damage to your client's contents while they are being moved by professional removers from th...

Unoccupied at start date - home insurance

You need to tell us if your property is going to be unoccupied when taking out a policy, and by this we mean "When your home is not going to...

Home emergency

Home Emergency provides cover for one of our approved contractors to call-out to your client's home, as well as the charge for any parts/mat...

Legal expenses

What is this type of insurance?This Legal Expenses insurance policy provides legal expenses cover for your client, their spouse or partner, ...

Renovations & alterations - home insurance

When you're taking out Paymentshield Home Insurance, if you're having renovations or alterations done to your property, please check the inf...

E-bikes

We don't cover any form of electrical bikes including hybrid electric bikes. You'll need to seek special insurance for these. &nbs...

Worldwide belongings - tenants contents

Worldwide Belongings covers the clients household personal items, which are normally worn, used or carried when away from the home, includin...

Customer has valuables insured elsewhere, can they still have Paymentshield policy?

For new business, if your client has a valuable item or items combined insured elsewhere that total more than the 30% of their contents sum ...

Changing address on a tenants contents policy

Your clients Tenants Contents Insurance is transferrable, so they can take their policy with them. To update their policy, advise them to ca...

Personal possessions - home insurance

For new business, if your client requires cover for personal belongings away from their home, you can select personal possessions. Pers...

Personal possessions exclusions & limitations

If you choose to add our personal possessions optional extra to your policy, it covers you for accidental damage, theft or loss of your pers...

Jewellery lost in the home

If the customer has selected Personal Possessions the loss of a ring would be covered up to the value of £2,500 unless specified. The loss o...

Unoccupancy - home insurance

Policies on 'PNL/PS' terms:If the property is going to be unoccupied for more than 60 days, we can continue to offer cover until renewal. Ho...

Business equipment at home

We can cover business equipment if your client is working from home.This includes computer equipment such as laptops, tablets, printers, pho...

Mobility scooters

Unfortunately we cannot provide cover for mobility scooters either under our standard Contents insurance or our optional personal possession...

Freezer & fridge contents

Contents Insurance covers loss or damage to food in a freezer within the home. Examples of what's covered include:- A change in the temperat...

Wedding & birthday gifts

For one month before and one month after your clients wedding, civil ceremony, birthday or a religious festival their contents sum insured i...

Sports equipment

Sports equipment is covered under Contents insurance or Personal Possessions cover, if selected.Please be aware we do not cover any damage t...

Guns

Home InsuranceGuns can be covered in the home as a content and away from the home under Personal Possessions, If selected. Please refer to t...

Ukrainian Refugees

Following the heart-breaking events happening in Ukraine, we want to help our customers show their support for those who have had to flee th...

Mobile phones - tenants contents

Mobile phones are covered in the home up to £2,500 unless specified on the policy.They can also be covered for Accidental Damage if selected...

Bathroom - definition

Bathrooms include wet-rooms, ensuites, toilet rooms and shower rooms. They do not include:- Utility rooms that only contain a sink.- Be...

Shrubs and plants

Shrubs and plants are covered under both the buildings and contents sections of our household policy wording. This ensures that shrubs and p...

Declaring bedrooms on Tenants Contents

Regardless of how many bedrooms are occupied as part of their tenancy agreement. You should always put the total number of bedrooms in the p...