Update on Coronavirus (Covid-19)

On the 18th May 2020, the Financial Conduct Authority introduced new measures for insurance and premium finance firms to help clients in financial difficulty.  Should you be experiencing financial hardship, or if things change at work or home, we may be able to help by: 

  • Re-assessing your demands & needs 

  • Reviewing levels of cover 

  • Adding or removing optional covers such as legal expenses

  • Adding or removing people on your policy 

Where amendments to your insurance cover does not alleviate your payment difficulties, you should contact your finance provider directly as further support may be available, which could potentially include: 

  • The possibility of deferring payments (refer to FAQ’s)

  • Reduced repayments, or rescheduled term 

  • Waiving missed or late payment fees

  • Amending your repayment date without any cost

  • Reducing interest payments

It is important that customers do not leave themselves uninsured, so we encourage you to contact us to discuss the options available if you are struggling to afford your payments during this uncertain time. 

Post and paper-based documents

We continue to handle all post (incoming and outgoing), and paper-based documents such as cheques, as quickly and efficiently as possible to ensure they are processed in a timely manner to safeguard policy cover. Should you have any concerns about instructions or cheques you have sent which may not have been processed, or documents you believe you are due from us, please contact us urgently. ​

Clients experiencing financial difficulties

Frequently asked questions

Specifications:


Interior color: Willamette
Exterior color: Earth Gray

Base Weight: 1161 lbs / 526.5 kg
Exterior Overall Length: 127" Exterior Width (w/o opt awning): 83" *Batwing awning has approximately 118sq feet of space beneath Exterior Height (w/o opt roof tent): 81" *Roof top tent is rated for 2 adults and 1 child Interior Floor Length: 74.25" Interior Height: 78" Interior Floor Width: 47.5"
Secondary passenger side storage 5.7 cubic feet Fresh Water Capacity: 4.9 Gals Sleeps:4-6




Standard Options:


RVIA Code Compliant 175W Renergy Monocrystalline Solar Panel 24” Entry Door with Friction Hinge & Window 4 Person Dinette with Sleeper Conversion Aluminum Exo- Skeleton Framing Assist Bar with Bottle Opener Clear View Windows w/Screen & Solar Reflective Shade Decorative Interior Composite Panel Dual 5lb Propane Tanks with Vented Compartment Fire Extinguisher Gear Locker - 5 Cubic Feet of lockable storage Gel Coat Fiberglass Exterior & Roof HB Compass Removable Marine Flooring Hybrid Composite Construction LED Ceiling Strip Lights with Built in Switch Lifesaver Portable 4.9 Gal Jerry Can W/Charcoal Filter & Spray Wand Moon Roof w/Screen & Solar Reflective Shade Pendleton Indoor/ Outdoor Fabrics Portable Goal Zero Yeti 1000 Lithium Power Station Dual 110V Outlets USB Outlet Port Ratchet Tie Down System Sink Cover Smoke, Gas & Carbon Monoxide Detectors Solar Porch Light with Motion Sensor Solar Powered Vent with Intake/Exhaust & Light Stainless Sink w/Direct Exterior Drain




Available Options:


Dometic CFX3 75L Fridge/Freezer with WiFi Gear Locker - Slide out tray with storage Newport Real Flame 4.5BTU Gas Fireplace

Hanging Storage Bag - Add Driver Side

Hanging Storage Bag - Passenger Side

Portable Wave 3 - 3K BTU Heater Portable Dometic 2.6 Gal Toilet Portable Indoor/Outdoor Gas Cooktop Removable Camper Jacks Rhino Rack Batwing 270 degree Compact Awning Roost Roof Top Tent w/Int Access Hatch Roto Pax 2G Water Pack - Driver Side Roto Pac 2G Water Pack - Passenger Side Washington State Code Tag





Temporarily closed or unoccupied properties during COVID-19

1st September 2020

Guidance for managing temporarily closed or permanently unoccupied properties during the COVID-19 pandemic.

With the advent of the COVID-19 pandemic in the UK many organisations are implementing contingency plans such as home-working, skeleton staffing, social distancing and cleansing regimes to maintain operations.

However, for some organisations this is not possible, and following the latest government advice some workplaces will now temporarily shut down for a period of time.

Buildings, whether temporarily closed or permanently unoccupied can be at greater risk from the likes of arson, antisocial behaviour such as vandalism or squatters, theft, and escape of water.

During the months of the Covid lockdown, most insurers did not apply certain standard restrictions in policies for unoccupied properties. This extension to covers granted by insurers has generally come to an end. This means that buildings that still remain closed will now be treated in line with its normal approach to unoccupied buildings, which have reduced levels of cover. Clients should review their circumstances and contact us if premises remain unoccupied or indeed if they are unsure of any aspect of their insurance cover.

Top 5 priorities for temporarily closed properties

 

Temporarily closed properties - temporarily closed means premises temporarily closed solely due to the COVID-19 outbreak. 

In the context of a temporary closure, here are the top priorities to help you keep your property safe.

1. Protect against electrical fires - turn off and unplug electrical equipment

 

Electrical equipment should be turned off and unplugged, and electrical systems isolated at the main fuse board, with the exception of critical business infrastructure required to allow the continuance of the organisation's operations and support temporary home working arrangements;

 

  • intruder alarms

  • fire alarms 

  • sprinkler installations

  • other fire suppression security or other risk protection systems or devices

       which should be maintained to ensure they continue to fully and effectively protect the property at all times. 

2. Guard against escape of water losses

 

Where there will be no need to re-enter the premises during the period of temporary closure turn off water supplies at the mains (and where reasonable to do so drain down water systems). We recognise it may not always be appropriate to turn off or drain down water systems. Where this is the case a minimum temperature of 7⁰C (45⁰F) should be maintained within the property. 

3. Protect against arson

 

Remove internal waste and position external bins as far from the property as possible, ideally securing bins in place. 

4. Inspect weekly

 

Unoccupied property should be inspected weekly, provided travel required to carry out inspections is in line with the latest government advice. 

 

Where this is not possible at the present time the inspections should be reinstated once travel restrictions are lifted.

 

Any damage to the building or fitted security devices identified at the time of inspection should be rectified as soon as is reasonably possible.

 

You should also remove any accumulation of post from any letterbox during each inspection, along with any other action considered appropriate to minimise the risk the property can be easily identified as being temporarily closed. 

5. Update risk assessments

 

Review and update risk assessments for the property to reflect the temporary closure, focusing on any additional precautions that might be necessary to secure the premises and protect people from danger.

 

 

We would also encourage you to continue to monitor and follow the latest government advice, as the situation is evolving rapidly. 

Clarification on Business Interruption cover following the outbreak

of Covid-19

March 17th 2020

Irrespective of whether or not the Government orders closure of a business, the vast majority of firms won’t have cover that will enable them to claim on their insurance to compensate for their business being closed by the Coronavirus (Covid-19)

 

Standard Business Interruption cover – the type the majority of businesses purchase – does not include forced closure by authorities as it is intended to respond to physical damage at the property which results in the business being unable to continue to trade.

 

A small number of business may have cover in place that will specifically provide for Business Interruption arising from notifiable diseases. However, this type of extension is not commonly included as standard and would usually only cover specified known diseases, often within a reasonable geographical area of the business.  Standard Business Interruption insurance policies are designed and priced to cover standard risks and are therefore unlikely to provide cover for the effects of global pandemics like Covid-19.

As always, we are here to give advice and will always check individual policies on your behalf

We know your business often depends on our ability to provide reliable, uninterrupted service so in light of the recent developments around Coronavirus disease (COVID-19), we would like to share with you the measures we are taking to ensure service continuity.
 
Specifically we have made investments in our technology infrastructure to ensure we can operate all our business critical systems remotely to allow us to deliver a near normal service level. This will ensure we’re able to provide you with seamless service should any of our staff need to work remotely (e.g. due to self-isolation, school closures, etc.) or should we decide to close our office and/or switch to a remote working model. 
 
We have tested our business continuity strategies and can confirm we can provide ‘business as usual’ should our entire workforce need to work remotely. In the event of this happening, we would operate as follows:
 

  • Staff would have full remote access to our systems.

  • Phones would divert calls, allowing continuous phone access to our teams and ensuring all skill groups would continue to work.

  • All tools for managing enquiries, quotes, new business, etc. would be accessed by our team remotely.

  • All technical staff will have the ability to access the service systems required to provide ongoing support to our clients remotely.

 
As always, we remain committed to supporting your business with an unparalleled level of service and will continue to monitor the situation, providing you with updates appropriately and promptly.
 
If you have any questions, please contact us on 0191 3830401
 

 

Castle Insurance Services is a trading name of Castle Insurance Services (North East) Limited - Registered Office - 15 Marshall Terrace, Gilesgate, Durham DH1 2HX  England

 

Castle Insurance Services (North East) Ltd is an independent intermediary dealing with selected insurers and is authorised and regulated by the Financial Conduct Authority - Registration Number 501457

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