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 Restaurant Insurance / Pub Insurance policy? Unfortunately your van is not covered under the pub & restaurant 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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I have guest rooms in my Pub, should I cover this under your Guest House policy? We can cover up to 4 guest rooms under our Restaurant Insurance / Pub Insurance policy. If you have between 4 & 12 it is likely that we will be able to help you under our Guest House policy. If you are unsure please contact us on 0845 303 1756.
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What is the maximum 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:

Business Contents
Public & products liability
Employers' liability
Loss of Income
Glass, Goods in Transit and Fixed Signs
Money
Personal Accident (Assault)

You can also insure:

Buildings
Loss of Licence
Personal Accident
Household Contents

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If I use a private vehicle to pick up stock is it covered in transit? Stock in Transit is provided as standard provided that the vehicle is owned or leased by you.
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Is there a limit on the number of covers your Restaurant policy will insure? There is no limit on the number of covers your restaurant does.
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I have a function room in my pub, are there any restrictions on the type of function I am covered for? 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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Are fruit machines and pool tables covered under your Restaurant Insurance / Pub Insurance policy? These can be covered under our business contents section you need to make sure the sum insured adequately reflect the cost of these items.
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We cook certain dishes tableside in our restaurant, am I covered for this? You would have our standard covers which include public & products liability.
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Does your policy cover damage to car parks and external furniture? Our policy would cover damage to car parks provided that the Building section had been taken. Furniture in the open is covered up to £1,000 any one claim.
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We hold public BBQs in the beer garden in the summer, is this covered? Yes this would be covered.
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Our restaurant has outside tables, will this affect the policy? No it will not affect the policy other than in the event of the damage to the tables we would cover you up to a limit of £1,000 any one claim.
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Can I cover more than one premise on your Restaurant Insurance / Pub Insurance policy? At the moment our products can only cater for one Restaurant Insurance / Pub Insurance per policy. However, you can have more than one policy.
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If I obtain an extended licence (past 12am) several times a year, will I still be covered? If your extend your licence for New years eve and Christmas eve then yes. If it is for any other time of year we will not be able to quote.
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Are children's play areas covered under your policy? Yes for both public liability and all property in the open up to £1,000 per claim.
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What sort of entertainment is covered under your Restaurant Insurance / Pub Insurance policy? Darts, bingo, pool, snooker, quiz nights, race nights, televised sporting events or gaming machines and private functions.
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Am I covered for loss of refrigerated stock due to electrical failure (outside of my control)? The deterioration of the stock would be covered up to £15,000
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If I made an insurance claim at the previous pub I owned, do I need to declare it here? Yes you would need to declare in provided that it happened in the last 3 years
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