Takeaway — Frequently Asked Questions

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  • I have a vehicle for my Takeaway Shop. Can that be covered under a Takeaway Shop insurance policy?
    Unfortunately, no. Any vehicles are not covered by Takeaway Shop coverage, but our insurance provider does offer vehicle insurance as a separate product. Please contact us for more information.
  • I have guest rooms at my Takeaway Shop. Can this be covered under a Takeaway Shop policy or will I have to purchase separate Guest House Insurance?
    Under our Takeaway Shop Insurance, we can cover up to four guest rooms within your establishment. If you have between 4-12 rooms, it is likely that our Guest House policy will apply to you. Please contact us for more information.
  • How many staff can I employ under Takeaway Shop coverage?
    There are no limitations to staff numbers, but as part of your application we will ask you how much you pay in staff wages per year.
  • I drive a private car to do deliveries and pick up items for the Takeaway Shop. Is the stock in transit covered under the Takeaway Shop Policy?
    Stock in Transit is standard under Takeaway Shop coverage as long as the vehicle is owned or leased by you as the business owner.
  • I have a function room at my establishment for private and special events. Are there restrictions on what type of functions I can hold there?
    This will depend on what the function room is used for. It is likely it is able to be covered, but when you apply for coverage, our customer service representative will enquire about its uses to determine if we can insure it.
  • I own more than one Takeaway Shop. Can multiple locations be covered by one policy?
    At this time, our policies cover only one Takeaway Shop per insurance policy.
  • We lost power and suffered loss of refrigerated items. Are we covered for the loss of these items from the lack of electrical power that was outside of my control?
    We provide coverage for up to £10,000 loss of refrigerated items.
  • made an insurance claim, do I need to inform you of this when applying for a policy?
    It is important that any claims made within the last 5 years are declared at the time application; failure to declare a claim, may invalidate your insurance cover.
  • If I receive a quote for insurance coverage, how long is it valid for? How far in advance can I request a quote?
    Your insurance coverage quote is valid for 30 days from the day you receive it; you can only request a quote within 30 days in advance.
  • Will I receive an email confirming my insurance coverage? Are the documents available to print?
    Yes, a confirmation email will be issued within 48 hours of the successful purchase of your insurance policy. Documents confirming the level of cover will be included with the confirmation email and should be thoroughly checked upon receipt. Any queries or discrepancies should be reported immediately to ensure that your cover is unaffected. Once you are in receipt of your confirmation email, your documents can be accessed, downloaded or printed by accessing your account using the login and password you created when obtaining your quote.
  • If I renew my policy, do I receive any new documents?
  • I don’t have an email address. Do I need one to obtain a quote?
    A valid email address is required in order to obtain an online quote. If you do not have one, you can still obtain an insurance quote by calling us directly on 0333 300 3444 during our opening hours; Monday to Friday 09.00am – 5.30pm.
  • What are the coverage exclusions?
    Your policy documents will include any related exclusions, terms and conditions. For particular questions regarding your policy and any exclusions, please contact our customer service representatives.
  • What is the standard excess?
    The policy excess is found within your policy documents on the ‘Your Summary’ page. If you have any additional questions, please contact us.
  • What is an Employer Reference Number (ERN)?
    The ERN or Employer Reference Number is also known as the Employer PAYE Reference, is given to every business that is registered with HM Revenue & Customs (HMRC) as an employer. Businesses that pay any employee above the PAYE threshold are required to have an ERN, which is the reference number for their employees’ income tax and national insurance contributions.
    The ERN is printed on mandatory documents including the P45, P60, P11/D, and on most pay slips. The format of the ERN is usually 999/XX99999 or 999/X99999.
    Some businesses are not assigned an ERN because all employees (including labour only subcontractors, trainees and apprentices) are paid below the PAYE threshold.
  • Why is my Employer Reference Number needed for an insurance quote?
    If you select Employers’ Liability and your business is not exempt from holding a HM Revenue & Customs (HMRC) Employer Reference Number (ERN), you’ll need to tell us your ERN.
    We need to give Employers’ Liability insurance policy details including, where appropriate, your ERN, to the
    Employers’ Liability Tracing Office (ELTO) who will add the details to their electronic database. The database helps people who have suffered injury or disease at work in the UK quickly and easily find the insurance company, which was providing Employers’ Liability insurance at the time their injury or disease was sustained.
  • What is the Employers’ Liability Tracing Office (ELTO)?
    The Employers’ Liability Tracing Office (ELTO) is a service set up by the insurance industry. It helps people who have suffered injury or disease at work quickly and easily find the relevant insurance company. To do this, ELTO needs insurance companies to collect their customers’ Employer Reference Number (ERN) where cover for Employers’ Liability has been included. For more information, please visit www.elto.org.uk.
  • What form of payment do you accept?
    We accept payments via direct debit or credit/debit cards. We accept Visa, Mastercard, Maestro and Visa Electron. We do not accept cheques or cash.