Please find the latest information below for Aviva commercial policy holders only.

As always if you have any queries or questions please do not hesitate to contact one of our team on their normal telephone numbers or e mail

 

1.      Support on Temporarily Unoccupied Buildings
 
Based on your feedback, we’ve updated our position on Temporarily Unoccupied Buildings.Our cover will now continue to apply to clients who have followed Government advice to close their premises temporarily for a period of up to 90 consecutive days. There is therefore no need to immediately notify us that your insured premises has closed temporarily due to the COVID-19 outbreak.For further information on how you and your client’s can protect your business assets, please refer to the Aviva Pandemic Disease Loss Prevention standards.
 
2.      Support on Working from Home
 
In addition to this, to support you, we’re automatically extending our existing policy cover to provide the same level of protection business clients currently enjoy so that you can carry out your normal business activities at home and the homes of employees.This extension applies to the following covers where you’re insured under the existing policies;
1. Business Equipment
2. Employers Liability
3. Public Liability
 
We’ll also provide cover for business equipment whilst in transit to and from homes. All we ask is that you take reasonable precautions to protect your assets and employees during this time. Any existing policy terms, conditions and exclusions will remain unaltered and apply to respective homes. There will of course be no additional charge for this cover. This extension will apply until further notice and we’ll contact you 30 days prior to this extension of cover being withdrawn.
 
 

Change in business use

If you notify us of changes to your business due to the impact of COVID-19 e.g. where a restaurant has closed but is now operating as a takeaway or changing manufacturing to support production of ventilators for the NHS, we’ll look to offer risk management guidance and support. This will be subject to the existing terms and conditions in the policy.

We’ll also look to be flexible and where possible, not charge any additional premiums.
We’ve seen some fantastic examples of this in action and we’ll wholeheartedly continue to support you to trade where we can.

 
Motor fleet clients
We’ll be happy to amend your policy cover to reflect the ‘laid up’ vehicles and provide your with an appropriate difference in risk premium. This will apply to policies on both a declaration basis and as and when basis.

The vehicles will remain “laid up” until you inform us that you wish to place the vehicles back on full cover. At this time, an additional premium would be payable. For policies subject to declaration we will take into account any refund made when we calculate the final year-end declaration adjustment.

Please note, special type and agricultural vehicles are excluded from these arrangements.

 
Minifleet clients
We will provide an appropriate difference in risk premium. The vehicles will remain “laid up” until you place the vehicles back on full cover.
At this time an additional premium would be payable.
 
Motor trade clients
As we hold additional covers for your business (such as Property insurance) we’ll recalculate the premium by removing any vehicles that are notified as off road from the ‘Road Risks’ section and move the exposure to the Property section, ensuring that the Sums Insured adequately reflect the additional exposure.

As there’s no need to insure the vehicle for road use and any potential third-party claims, this will result in a return of premium for you. Please note, we’re only able to offer this option where the SORN vehicle is being stored at the commercial premises. When the vehicles are ready to go back on the road, we’ll increase the cover back to the level required.

 
For more info please contact us on 01392 426046 or email hello@northcottbeaton.co.uk