FAQs

The questions

  1. Who can apply for this insurance product?
  2. How do I pay for the insurance policy?
  3. What is Insurance Levy?
  4. What is an excess?
  5. When does the insurance policy and cover start?
  6. How will I receive my insurance policy documents?
  7. How does the insurance renewals process work?
  8. What if I want to amend my insurance policy?
  9. What if I want to cancel my insurance policy?
  10. How do I make a claim on my insurance?
  11. How do I make a complaint?
  12. What if I am unable to meet the policy acceptance criteria?
  13. What activities are not covered under the policy?

The answers

Who can apply for this insurance product?

The Unity insurance product has been specifically designed for counsellors, therapists, educators, trainers and supervisors in the health and wellbeing sector, who undertake one or more of the following activities. A recognised qualification from an accredited body which directly relates to the activities to be insured must also be held during the life of the policy.

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How do I pay for the insurance policy?

The insurance policy premium is to be paid in full on an annual basis via either credit or debit card.

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What is Insurance Levy?

Insurance Levy is payable at a 5% rate and will be included within the premium of our quotations. This levy comprises of 3% Government Levy and 2% Insurance Compensation Fund (ICF) levy.

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What is an excess?

This is the amount you have to pay towards each agreed claim. The excess for each cover section of your policy will be clearly shown on your policy schedule.

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When does the insurance policy and cover start?

The policy will begin on the day you have requested it to start and will continue for a period of 12 months. You will be required to renew your policy at each anniversary, providing payment for the next period of insurance.

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How will I receive my insurance policy documents?

Your policy documents will be emailed to you immediately after you have completed your online purchase. If you do not receive your policy documents then please contact us by telephone on 1800 201 062.

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How does the insurance renewals process work?

The policy will be on an annual basis which means that you will need to renew your policy each year. You will be able to do this simply by logging in to the administration section of the website and paying the premium for the new policy period. You must ensure that you tell us of any changes to your activities as described in your insurance policy as this may affect your cover.

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What if I want to amend my insurance policy?

If you want to amend your policy, you will simply need to log in to the Members area of the website in order to make the appropriate change, however you may be required to contact us for certain changes - this will be made clear to you when making your request.

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What if I want to cancel my insurance policy?

If you would like to cancel your policy, you will simply need to contact us by telephone on 1800 201 062. In the event that you do change your mind after purchasing your policy, you have 14 days to cancel the policy and, providing that no claims have been made, receive a full refund. After that period you can cancel your policy by giving 30 days notice and you will receive a refund of the premium for the remaining portion of the period of insurance after the effective date of cancellation for which you have already paid.

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How do I make a claim on my insurance?

Claiming couldn't be easier. Please visit our dedicated 'Claims page' for more information

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How do I make a complaint?

Hiscox aims to ensure that all aspects of your insurance are dealt with promptly, efficiently and fairly. At all times Hiscox are committed to providing you with the highest standard of service. If you have any concerns about your policy or you are dissatisfied about the handling of a claim and wish to complain you should, in the first instance, contact Hiscox Customer Relations in writing at:

Hiscox Customer Relations
Hiscox House
Sheepen Place
Colchester
CO3 3XL
United Kingdom

Or by telephone on +44 (0) 1206 773 705
Or by email at customer.relations@hiscox.com.

If you are dissatisfied with the way Hiscox customer relations handle your complaint you may be eligible to refer your complaint to the Financial Ombudsman Service Bureau. Further details will be provided at the appropriate stage of the complaints process. This complaint procedure is without prejudice to your right to take legal proceedings.

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What if I am unable to meet the policy acceptance criteria?

If you are unable to meet any of the acceptance criteria during the application process, your details will be referred to us for review. We will then contact you to confirm your policy terms and conditions

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What activities are not covered under the policy?

As with any insurance policy, there are certain exclusions. For a full list of what is and what is not covered, you can review the policy wording here

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