Q. Does the policy restrict cover as to the number of Carers employed?
A. No - all Personal Assistants employed by the policyholder are covered. |
Q. Is Indemnity provided for activities outside of the policyholders residence?
A. Yes – the territorial limits under the policy are as follows:- anywhere within Great Britain, Northern Ireland, the Channel Islands or the Isle of Man. Temporary visits anywhere in the world provided that the policyholder is normally
resident in and traveling from the aforesaid countries and any Carer is employed in the
aforesaid countries |
Q. Does the policy provide cover for Guardians, Persons deemed to have the Power of Attorney and/or other Principals including Charities and the like distributing Direct Payments?
A. Yes - the policy automatically incorporates an ‘Indemnity to Principal’ clause as follows:‘In the event of any claim for which the policyholder would be entitled to receive indemnity under this policy being brought or made against any Public or Local Authority or other Principal we will indemnify the said Public or Local Authority or other Principal against such claim and/or any costs, charges and expenses for such claims’ |
Q. Does the policy contain an upper or lower age restriction in terms of the Carers employed
A. No - as long as the policyholder is complying with current UK employment legislation indemnity is provided. |
Q. Does the policy exclude Children receiving Direct Payments
A. No – there is no age restriction. |
Q. Does the policy cover care recipients with Challenging Behaviour?
A. This is an area where insurers are taking a ‘guarded’ approach. Each case will have to be referred to insurers with the possibility of cover being granted depending on the ‘merits’ of the case. |
Q. Can cover be provided for more than 1 service users in the same household ?
A. Yes - cover can be provided for up to 3 service users within the same household at no additional cost. Please contact us for a quotation where cover is required for 4 people within the same household. |
Q. Is there a Short-Term Policy option available ?
A. Yes – A Short Term Policy is now available for 30 days at a cost of £36.00 |
