Herbert Insurnace Logo
Hero image

Questions & Answers

Will my premiums be cheaper if I put all my insurances together with one insurer?
Generally, yes, you will get a package discount

Do you have a facility for paying monthly premiums?
Yes, we simply amortise your premium over twelve months and we call it Premium Funding.  (conditions apply)

Do I get a discount if I have an alarm?
Yes. You will get a premium discount on your domestic contents

Are my children’s belongings covered under my contents policy?
Yes, if the children are still living at home.

How can I reduce my premiums?
You can opt for a voluntary excess which will give you a discount.

What does comprehensive Motor insurance cover?

  • Accidental damage to your car
  • Accidental damage caused by your car to vehicles or property belonging to someone else.
  • Damage to your car in a natural disaster
  • Loss or damage to your car from theft or fire

Do I pay an excess on windscreens?
With most insurers you don’t have to pay an excess and your no-claim discount will not be affected.

How do I know how much to insure my car?
To make sure you have enough cover, ask a Licensed Motor Vehicle Dealer (LMVD) or vehicle valuer for its current retail market value.

What is market value?
If the car is written off, you will be paid what the car would have been worth on the retail market at the time of the loss.  Subject to sum insured – less the policy excess applicable.

Insurance News

  • Richard Ward visits Warsaw and Zurich

    Richard Ward has been visiting Lloyd’s offices in Warsaw and Zurich and giving lectures on the topic of risk at the cities leading universities. Starting in Poland, Richard hosted a reception at the W more...

  • Falling from grace: the high price of fame

    Disgraced sports personalities like Tiger Woods can prove a costly burden for their backers. Since the story broke of indiscretions in his personal life in December, it is estimated that shareholders more...

  • Lord Levene visits Japan and South Korea

    Lloyd’s Chairman, Lord Levene, was in Japan and South Korea last week where he opened the new Lloyd’s Japan office and hosted an event with Korean Re, Lloyd’s – A Working Partnership. The visit starte more...

  • Pole dancing? Lloyd’s has it covered

    As people look for ever more imaginative ways to keep fit, pole dancing has become an increasingly fashionable way to exercise. The steamy dance-form, more often associated with a certain type of gent more...

  • Predicted UK civil litigation crisis passes

    In the mid 2000s, it was predicted that the relaxation of rules on how court actions in the UK are funded would open the floodgates to a torrent of corporate litigation. It was said British companies more...

  • 60 seconds with...Emily Freeman

    Lloyds.com speaks to Emily Freeman, executive director for technology and media risks at Lloyd's broker Lockton, on cyber risk, mobile technology and Bach. You work in such a fast moving sector, how d more...