Q: What if I don't have an email address?
Q: How long is a quote valid for?
Q: How far in advance can I get a quote?
Q: What if I don't know the date of my claim?
Q: What if I don't know the amount of my claim?
Q: What if the cause of my claim is not there?
Q: How many claims can I have?
Q: What are the exclusions on this policy?
Q: What are the standard excesses?
Q: Do you accept cheques or cash?
Q: What does public liability cover?
Q: What does employer's liability cover?
Q: What if I haven't got a business name?
Your Business
Q: Can you cover my van under the hotel policy?
Q: What if my hotel type is not on the list?
Q: I have more than one hotel, can I insure with Direct Line for Business?
Q: What do I do if I have multiple trades i.e. hotel attached to a pub?
Q: Is there a limit to the number of staff I can employ?
Q: What covers are available under this product?
Q: What is the maximum number of bedrooms I can cover on a Hotel policy?
Q: Is my restaurant covered under the Hotel policy?
Q: I have a function room in my hotel, am I covered for private functions?
Q: I arrange excursions for my guests, am I covered for this?
Q: Does your policy cover damage to the Hotel car park and grounds?
Q: My guest house is only open for the summer season, will you still be able to quote?
Q: I live in a part of my Hotel, is this area covered under your Hotel policy?
Q: I do the cooking for my guests in the kitchen of my private part of the hotel, is this covered?
What if I don't have an email address?
You will need to enter a valid email address to obtain a quote. If you do not have an email address you can still obtain a quote and buy a policy by calling us on 0845 303 1756. Calls may be recorded.
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How long is a quote valid for?
Your quote will be valid for 30 days from the day you receive it.
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How far in advance can I get a quote?
You can get a quote up to 30 days in advance.
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What if I don't know the date of my claim?
If you are unsure of the date of your claim(s) please contact your current or previous insurance provider to find out. Alternatively you can enter an approximate date and then contact us on 0845 303 1760 to amend your claims details with the correct information. Calls may be recorded.
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What if I don't know the amount of my claim?
If you are unsure what the amount of your claim(s) is please contact your current or previous insurance provider to find out. Alternatively you can enter an approximate cost and then contact us on 0845 303 1760 to amend your claims details with the correct information. Calls may be recorded.
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What if the cause of my claim is not there?
If you can not find the cause of you claim from the list provided, please contact us on 0845 303 1756 for help. Calls may be recorded.
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How many claims can I have?
You can provide us with up to four claims within the last 3 years. In the majority of cases we will be able to help, but our ability to provide a quote will depend on the information you supply. Unfortunately, if you have more than four claims we will not be able offer a quote
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What are the exclusions on this policy?
Please refer to the policy summary document where we detail the general exclusions. For more details please refer to your policy wording or call our customer services department on 0845 303 1756. Calls may be recorded.
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What are the standard excesses?
Your individual excesses will be found in the 'Your Summary' page when you have completed the quote details or alternatively please call us on 0845 303 1756. Calls may be recorded.
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Do you accept cheques or cash?
No, we only accept payments by direct debit and credit/debit cards. Cards that are accepted are MasterCard, Visa Electron, Visa, Maestro and Solo card.
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What does public liability cover?
This provides protection against your legal liability for death or bodily injury (other than to an employee) and / or loss or damage to third party property arising out of the operation of your business.
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What does employer's liability cover?
This protects you against claims for compensation from employees following injury for which you are legally liable
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What if I haven't got a business name?
If you do not have a business name then please enter your full name instead.
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Your Business
Can you cover my van under the hotel policy?
Unfortunately your van is not covered under the hotel policy but Direct Line does offer van insurance as a separate product. If you would like to get a quote you can do this online or call us on 0845 303 1756. Calls may be recorded.
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What if my hotel type is not on the list?
If you cannot find your exact hotel type, or one that best matches what you do, on the list provided please call us on 0845 303 1756. Calls may be recorded.
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I have more than one hotel, can I insure with Direct Line for Business?
At the moment our products can only cater for one hotel per policy. However, you can have more than one policy.
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What do I do if I have multiple trades i.e. hotel attached to a pub?
If you have more than four bedrooms (but less than 12) with a bar or restaurant it is likely that we will be to cover you with our Hotel product. If your business is mainly selling food or drink and you have up to 4 bedrooms it is likely we will be able to cover on our Pub & Restaurant product. If you are unsure please call us on 0845 303 1756
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Is there a limit to the number of staff I can employ?
There is no limit to the number of staff you can employ but we will ask you how much you pay in wages throughout the year.
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What covers are available under this product?
Our policy provides the following as standard:
You can also insure:
- Buildings
- Loss of Licence
- Personal Accident
- Household Contents
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What is the maximum number of bedrooms I can cover on a Hotel policy?
We can cover Hotels with up to 12 bedrooms.
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Is my restaurant covered under the Hotel policy?
We can cover restaurants that are either open to residents or non-residents please make sure you select the right hotel type. If you are unsure please contact us on 0845 303 1756
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I have a function room in my hotel, am I covered for private functions?
It is likely that we will be able to cover the function room but it does depend on what you use it for. During your quotation we will ask you about its use if you are unsure please contact us on 0845 303 1756.
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I arrange excursions for my guests, am I covered for this?
Unfortunately if you arrange any excursions away from your premises we will not be able to quote.
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Does your policy cover damage to the Hotel car park and grounds?
Yes it does provided that you have taken buildings cover and it is subject to our normal terms, conditions and exclusion please see our policy wording for full details
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My guest house is only open for the summer season, will you still be able to quote?
No, we would expect the business to be open all year round and cannot insure Hotels that close for more than 21 days a year.
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I live in a part of my Hotel, is this area covered under your Hotel policy?
You would be covered for public liability in case a member of the public wanders in. However, you would not be covered for your personal contents unless you take our household contents cover.
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I do the cooking for my guests in the kitchen of my private part of the hotel, is this covered?
Yes it would be for our standard covers.
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