Quote FAQ’s:

Please follow the links below to get answers to common questions

We are an independent specialist insurance department store. We stock standard products, but also build our own specialist insurance products. This is one of them! We are here to help.

Absolutely, our product is designed for both single items and collections, so you have the flexibility to insure as much or as few items as you see fit. Whether it’s an engagement ring or a Rolex, you have the cover at your fingertips with our product.

Our coverage for any single item is up to £20,000. If your sum insured is larger, please call for a bespoke quote from an account manager on 0845 355 1150

This is simply more than one item, it can be any combination of insured items for either gentlemen or Ladies items.

Our coverage for collections is up to £40,000. If your collection’s sum insured is larger, please call for a bespoke quote from an account manager on 0845 355 1150

Yes, this is £49.99 for all single item insurance products and £125.00 for collections of more than one item.

No, there is no excess for this policy. Good news!

Yes, you have unlimited worldwide coverage, see the wording for details.

No. Once you are insured, cover commences straight away, subject to the terms, warranties and conditions laid out in the wording and contract of insurance.

Yes absolutely. We can insure single items or collections for both men and women and any combination thereon.

Yes. When you purchase the item and have it in your possession, you have the “insurable interest”, as soon as you give this item to the “bearer”, you have joint insurable interest. We need to know about the bearer, so that they can make a claim as well. You'll notice we ask you to specify whether the item added (during our quote process) belongs to "the policyholder" or their partner. If there are any problems, call our hotline.

These are eligibility questions employed by the underwriter, they are no designed to trip you up or alienate you. It is merely the terms of the product. They are required for all online purchases. If you “fail” an eligibility question, it is possible we can still help you over the phone. We’ll just need a little bit more information. Give us a call and let us help you.

Yes. For all items with insured values greater than £5,000 we’ll need a copy of the sales invoice. You can simply post this to us or scan it as an attachment, placing your customer reference number in the “subject bar” to insurance4everyone@baonline.co.uk. Retain this receipt at all times in case of a claim.

Our claims are managed by a third Party agency, you can call them 24/7 on 0845 355 1150.

You policy is subject to the standard, FSA guideline, “cooling off” period. See our wording for details. Once that period has expired, you may cancel your policy at any time, this may be subject to a cancellation fee at the underwriter’s discretion. You can call us for more details on your cancellation rights.

Catlin Insurance Company (UK) Ltd are the insurer that underwrites these products. They are responsible for paying any claims accrued. Catlin are known as a “London Market” insurer and have a security rating of 'A' (Strong) from Standard & Poors rating agency.

Berkeley Alexander administer the customer service activity for insurance4everyone. They are our eyes, ears and personality on the telephone line. Berkeley Alexander is part of one of the largest insurance brokers in the country and has been servicing UK insurance needs for over 30 years. They are authorised and regulated by the Financial Services Authority.