Find answers to your questions outlined by the services we offer.
Yes, you can include a variety of vehicles under policy; however, you must specify the level of coverage for each.
Argus offers the option to specify named drivers on your policy or to have a policy allowing any driver to drive your vehicles.
Yes. The company, directors of the company, owners or partners of the business must be listed as the registered owners of the vehicles in order to receive a motor fleet policy.
Your insurance adviser at Argus Insurance can assist you with making amendments to your policy, such as changing vehicles, updating the motor insurance database or amending drivers.
Yes, if you have 5 or more vehicles.
Buildings insurance covers the structure of the building, together with its fixtures and fittings: it covers the cost of repair or rebuilding after fire or weather damage, for instance. Contents insurance covers the contents of the commercial building that you own or for which you are responsible.
It covers the main structure of your investment. If it were to subside, burn down or be damaged or destroyed by extreme weather, the policy will cover the costs of rebuilding or repair. It also normally covers any permanent fixtures.
Contents insurance covers the contents of the building that you own or for which you are responsible. This may include items such as furniture or carpets. Contents coverage is applicable to those contents that are damaged or lost as a result of a fire, theft and special perils. You may be asked to specify certain items on the policy and you may be asked to make additional security provisions such as locks or a burglar alarm.
A good buildings or contents insurance company knows that a well-handled claim usually results in a happy customer. We will first want to make sure your claim is valid and covered by your policy terms. When that is done, we will want to settle the claim as quickly as possible—especially in extreme cases. Generally, a claim is settled within a few weeks of the policyholder making it.
Buildings insurance covers the structure of the building, together with its fixtures and fittings: it covers the cost of repair or rebuilding after fire or weather damage for instance. Contents insurance covers the contents of the building that you own or for which you are responsible.
Business insurance covers your business in the event of an emergency or unforeseen circumstances. It can provide peace of mind that your business will be able to continue to operate should anything happen to your property or equipment, and that any potential claims would be met if a third party was injured on your premises.
Most policies include an excess, which is the amount to be paid by the policyholder in the event of a claim.
This provides cover 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.
This insures you against claims for compensation from employees following injury for which you are legally liable.
Yes, if your business operates from more than one premises we can usually cover them under one policy. Please refer to our experienced commercial team.
At present, there is no legislation in force in Gibraltar stipulating that boat owners take out any coverage, not even for liability insurance.
Argus are one of a few insurers in Gibraltar who handle all claims locally. Our experienced claims team is supported by a carefully selected, network of surveyors and repairers. Decisions are made swiftly, and locally, and are backed by the Argus Customer Charter. Please feel free to complete a claim form.
If the vessel is over 12 years old, we would require an "out of water" survey with a surveyor of your choice. We would be happy to provide details of qualified surveyors operating locally. Otherwise, no survey is required if the boat is in sound, seaworthy condition.
The standard policy covers third-party liabilities of £250,000 but coverage can be arranged for higher limits where necessary.
It is similar to a motor policy in the sense that it can be arranged to cover damage to your boat, as well as protecting your liabilities to third parties against damage or injury, for which you were responsible. Coverage can be tailored to your individual needs; and we would be pleased to provide further details.
We require your full name, date of birth and country of residency.
Yes, pre-existing medical conditions must be declared upon each and every renewal.
You will need to complete an application form and provide copies of all certificates to be able to send to the Underwriters in the UK.
This would depend on your age, area of travel and whether you require a trip travel or annual policy.
No, individuals over 18 must purchase their own policies.
No, travel insurance has to be taken out before departure from your country of residence.
You would need to contact the Insurers directly who will ask you questions and send you a claim form.