Team notes
Underwriter confirmations, referral routes and caveats — everything the desk knows that isn't in the wording.
Dominic
AXA · Unoccupied days limit
Only 30 days. Flag this early on any client mentioning extended travel or a second property — it's the most common gap we hit.
Dominic
AXA · Single article limit
£15,000 single article is genuinely strong for a mid-market product — worth leading with for clients with one high-value item.
Priya
Aviva · Pedal cycle limit
Cycle limit went up to £5,000 in the July wording. Good fit for the Petersfield cycling club members who came to us in the spring.
- Dominic
Agreed — but check the locked-to-an-immovable-object condition with them before we place it.
- Dominic
Priya
Zurich · Unoccupied days limit
90 days is the strongest unoccupancy allowance on the panel outside Hiscox — our go-to for the Suffolk second-home clients.
Marcus
Covéa · whole insurer
Covéa's underwriters have been flexible on unoccupancy where a keyholder inspection schedule is in place. Worth a call before we rule them out on the 45-day limit.