Contact information
Address: Insure & Go Insurance Services Ltd
Maitland House
Warrior Square
Southend-on-Sea
Essex SS1 2JY
Company profile
Travel insurance specialist InsureandGo was set up with one main aim - to provide convenient high value cover at the lowest prices possible. It is authorised and regulated by the FSA, number 309572.
They offer competitvely priced, comprehensive yet flexible cover that meets your individual needs.
Products and services Insurance
Car Insurance Home Insurance Travel Insurance
Travel medical insurance online, single trips, annual, backpacking, adventure, travel, ski and snowboarding. apply now or compare with our recommended insurers
How are premiums calculated? - In setting premiums for buildings and contents cover, most insurers will start with the postcode of the property to be insured. Postcodes enable insurers to identify a geographical area, thereby allowing premiums to better reflect their claims experience in that locality. However, postcodes have two major disadvantages – first, the insurance industry has no control or influence over the Royal Mail’s allocation of postcodes and second, an individual postcode may contain within its boundary, areas of higher or lower risk than the average. This information is generally not known to individual companies or the industry as a whole.
The postcode is the base upon which insurers calculate premiums. A number of other factors are taken into account when calculating the full premium such as a policyholder’s previous claims history, the sum(s) insured and the nature of the items to be insured.
Not all insurers place particular postcodes in the same rating bands and competition between insurers means premiums can vary considerably for similar risks in the same locality. It is worthwhile shopping around.
Liability - Householders - like everyone else - have a duty to exercise reasonable care in everything they do. If you are careless or negligent, and this results in injury or damage to someone else or their property, then you could be held legally liable for this and have to pay compensation. Contents and buildings policies cover you against this risk. The buildings policy covers you as owner of your home while the contents policy covers you as its occupier.
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