Details
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Who is covered?
The insurance policy is arranged by Leisure Guard (a business name of Business Brokers Limited) and underwritten by UK General Insurance Limited. The administrator is Rock Insurance and all parties are regulated by the Financial Conduct Authority.
How do I cancel my insurance?
You can cancel your insurance within 14 days (or later) of receiving your insurance documents without giving a reason. If you do not file a claim and you do not intend to file a claim, you will receive a full refund of all premiums paid. To cancel your policy, please contact the administrator and return your insurance documents.
How long is the coverage period for my annual policy?
If you choose an annual coverage period, coverage begins at the time of purchase or renewal and continues for 12 months after receipt of your premium. To ensure your continued coverage, Rock Insurance Services Limited will automatically renew your policy when your policy runs out, unless you notify them otherwise.
How to get a refund?
You can also cancel your policy at any time after the initial 14-day cooling-off period. If your coverage is on a rolling monthly basis, there will be no refunds as you are only paying for coverage that has already been received. If you pay your premium each year and don't make any claims, you will receive a pro-rated refund of your annual premium less the administration fee charged by the administrator, equal to £10.
Does a home insurance policy cover my gadget?
If your home insurance policy includes "away-from-home personal effects coverage" or "all risks coverage," you should check to see if it covers them. Typically, items under Personal Items or All Risks Insurance will only cover theft or accidental damage, but not breakdowns, and home insurance policies typically have higher deductibles than Leisure Defender insurance.