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Insurance for your Managed Development property

Deacon, the blocks of flats insurance specialists are delighted to be associated with Charles White.
With over 20 years’ experience we believe no one is better placed than us to provide this service for you.
We aim to offer you a complete property insurance solution and service of the highest level.

Service

Here at Deacon, we are proud of the relationships we build and develop with our customers, something we’ve been excelling at for over 20 years.

Should you need to contact us, you can speak to our dedicated service team on 01202 449 655 or

Email: cwsupport@deacon.co.uk
Web: www.deacon.co.uk

To view your policy and levels of cover please click on policy wording PDF.

Claims

Need to make a claim?

You want making a claim to be as straightforward and stress-free as possible and so do we. Deacon has been awarded Delegated Authority from most of our insurers, we can act on their behalf to process and pay most claims without delay.

Follow these steps

1. Call us as soon after the incident as possible providing us with your policy number which is contained on your renewal schedule - Tel: 01202 449 655
2. Give as much information about the incident as you can
3. Speak to us before you make any arrangement for replacement or repair
4. Ensure that you notify the police if theft or malicious damage is involved

You can also let us know about your claim, by completing our downloadable claim form.

Your signature is required on this document so either:

• Print the form and fax back to us on 01202 449 602
• Scan and email to: cwclaims@deacon.co.uk
• Post to: The Claims Team, Deacon, Freepost BH341, Bournemouth, BH8 8ZZ

Should you need any more information, please call 01202 449 655 or email us cwclaims@deacon.co.uk

Products

We also offer a range of additional policies designed to give you complete peace of mind:

• Contents insurance
• 24 hours emergency Assistance
• Directors and Officers
• Engineering & Inspection Insurance

And of course, our Blocks of Flats Insurance.

Deacon Insurance, a trading name of Barbon Insurance Group Limited, is one of the UK’s largest blocks of flats specialists for property insurance. We currently provide buildings cover for property valued at over £25 billion. For more information please visit www.deacon.co.uk

Frequently Asked Questions

Where can I get a copy of my building policy wording?

Follow the link for an electronic copy
To request a hard copy contact your property Manager at Charles White 0131 447 8191
or Deacon on 01202 449655

Why has the premium increased?

Your policy is rated on:

• Construction of building
• Age - date built
• Area – subsidence (inner city increased theft and malicious damage)
• Individual information - previous claims history – occupancy (unoccupied/rented)

In the current market all insurers are maintaining or increasing their rates as the industry as a whole addresses the changes in the property insurance market.

Why am I paying for cover I don’t need?

The benefits of placing the development cover with an Insurance specialist (www.deacon.co.uk) means that some features and benefits of the policy have no influence on the rating of the policy (see why has my premium increased).

What is the difference between Declared Value and Sum Insured?

DV - This is the cost to reinstate the property insured at the time the policy commences.

SI - Includes a 50% uplift on the DV to cater for increased inflation throughout the period of insurance

Is the Declared value adequate?

This has been calculated on a survey arranged by your Property Manager Charles White Ltd who plan to have such surveys carried out every 3-5 years to ensure the DV is continuously assessed.

My flat is unoccupied, who should I inform?

Please contact your property manager at Charles White

What should I do if I am letting out my property?

Please contact your Property Manager at Charles White – In most cases if you are letting out your flat (professional tenants) there will be no extra cost to you and the cover should be adequate.

What is my policy excess?

An excess is the first portion of a claim which the insured is responsible to pay and is the joint liability of all Co Proprietors within the policy unless the Co Proprietors have collectively agreed otherwise prior to the policy commencing. Upon settlement of your claim, we shall notify Charles White of your excess so that they may deal with the excess accordingly.

How will a claim affect my premium?

The frequency, type and value of claims made during the course of a policy may affect premiums and therefore each premium is calculated on an individual basis and you’ll be notified of any changes prior to your renewal date.

When can I have my repairs carried out?

If you have had to pay a tradesman to make urgent emergency repairs to prevent further loss or damage, you should ask for and keep hold of any receipts or invoices they provide you.

For non-urgent repairs or replacement, please follow the instructions we give you. We may ask you to provide estimates or to appoint someone to see the damage on our behalf before agreeing to any work.

Do you have approved suppliers and specialists?

Upon submission of your claim, Deacon can provide you with a list of Charles White approved contractors should you wish to obtain quotations from them for works required.

How long will it take to process a claim?

Some claims are more straight forward than others. We can advise you as to an indication of timescales as your claim progresses.

How will my claim be paid?

Once your works have been authorised, we will request sight of the contractor’s invoice who have carried out the works to your satisfaction. We will issue payment directly to the contractor and advise Charles White of the excess applicable so they may deal with the excess accordingly.

Tips

Read our Water Damage Prevention Tips (PDF)

Claims History

One of the conditions of your policy is that you must tell us about any insurance related incidents (such as fire, water damage, theft or an accident) whether or not they gave rise to a claim. When you tell us about an incident we will store the information on a database.

We may search databases:

• when you apply for insurance
• in the event of any incident or claim or
• at time of renewal

On payment of a small fee you are entitled to receive a copy of the information we hold about you. If you have any questions, or you would like to find out more about your rights. You can write to the Data Protection Officer at:

Deacon, Oxford House, Oxford Road, Bournemouth BH8 8HA or
call us FREE on 08000 92 93 94

Your information may be shared within the Barbon Insurance Group for reporting and analytical purposes only. Deacon will never sell, or pass on your details, (even to sister companies within the Barbon Insurance Group) for marketing purposes.