Frequently Asked Questions

If you have any questions at all then please do not hesitate to contact us…

General Questions

1. Do Town & Country pass on my details to anyone else?
No. We do not pass on your personal details to any third parties. This includes all details such as email address and telephone number. See our privacy policy

Travel Questions

1. What’s the difference between standard and double cover?
The difference between the two is the level of cover. Quite simply Doublecover offers you double the protection for things such as medical expenses and travel delays but without double the cost. To see a compartitive table for both levels of cover please see the following page

2. I have a medical condition, can I be still take out travel insurance?
The insurance contains certain exclusions relating to existing health conditions that affect you, your travelling companions or anyone else upon whom your travel plans may depend. Please read the information on this page. If you have any questions or doubts then call one of the team on 01805 624310.

Household Questions

1. How much do I need to insure my home for?
For contents insurance, you should insure the contents of your home for how much it would cost you to replace them new today.

For buildings insurance, you should insure your home for its full re-building cost. This is how much it would cost to rebuild your home if it was totally destroyed, which is different to the market value of your home.

You can find your home?s rebuilding cost on the Valuation Report – or Survey – you had done when you took out your mortgage (although, if it is more than a couple of years old, it might need to be increased to take account of inflation)

Motor Questions

1. What are the differences between Comprehensive, Third Party, Fire and Theft and Third Party Only cover?
Comprehensive:
This covers damage to your car (whether it is your fault or not), personal injury costs and any third party’s vehicle and property. This cover is the most expensive type and you should consider taking it if you have a quality car or if you have purchased your car on credit (because if the car is a write-off you will need to pay for it.)

Third party, fire and theft:
If your car is old or of low-value then comprehensive cover may not be the best buy. Third party, fire and theft covers all eventualities apart from the cost of your vehicle.

Third party only:
This is the legal minimum and the cheapest cover available. If your car is burnt, damaged or stolen, you are not insured. Again, it should be bought by those with low-value cars.