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Welcome to our Frequently Asked Questions

Due to the wide range of products and services we offer we have categorised the questions into related groups.

Motor Insurance

What does GAP stand for?
What is a policy excess?
What are the different levels of cover on car insurance?
What types of cover does Henderson Insurance offer on motor insurance?
Why do I need motor insurance?

Home Insurance 

What is Homeowners Insurance?
Do I need to be a Homeowner to take out home insurance?
Can I cover a building I let out on a standard home insurance policy?
Is it compulsory to take Building Insurance with my mortgage provider?
What is Home Insurance?

Landlord Insurance 

What does Landlord Insurance cover?
What is Landlord Insurance?
Buy to Let Insurance - What are the basics?

Business Insurance 

What is an SME?
What is Business Insurance?

Shop Insurance 

What does shop insurance cover?

Liability Insurance 

What limit of indemnity do I require?
What cover do I need for a limited company or business?
What cover do I need as a sole trader or partnership?
What is Liability Insurance?

Property Owners Insurance / Buy to Let Insurance

Please see Landlord Insurance above. 

Complaints and Compensation 

How do I make a complaint?
Latest News

How whiplash reforms will affect insurance claims 

The whiplash reforms have been introduced by the Government to change the way that low value personal injury claims following road traffic accidents are managed. These changes will only affect road traffic accident claims that occur in England and Wales.

The reforms were broadly outlined in the Civil Liability Act 2018, which were initially proposed by the Government in November 2015. The aim is to tackle the increasing number and escalating costs of road traffic accidents (RTAs) and whiplash-related claims, as well as ensuring that compensation awarded is proportionate to the level of injury suffered. read more

Source: QBEeurope.com email 26/05/2021 with link 

Mandatory five-year electrical safety check regulations to be enforced in England

The Government has proposed detailed regulations for enforcing mandatory five-year electrical safety checks in the private rented sector from July this year. 

The Electrical Safety Standards in the Private Rented Sector (England) Regulations 2020 were laid in Parliament yesterday. They require approval from both the House of Commons and the House of Lords before they come into force. read more

Source: NLA website - Article Posted 14 Jan 2020



Customers Comments

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"I would just like to say that each time I have emailed Henderson’s Insurance I have had a fast response and the service I have been given has been great, not many times that happens these days so thank you for your time. Kind Regards, Hayley Scott."