Premium Savings - If you are claim free for three years and this can be
confirmed in writing, we will discount your
initial premium by 10%. After that the discount will be increased by 5% a
year in years four and five to a maximum of
20%. A claim will initially result in the loss of this special discount but
it will build up again over a five year period. By
insuring both buildings and contents together, you qualify for an additional
5% discount. Finally, you may substantially
reduce your annual premium if you agree to increase the policy excess beyond
the minimum of £100.
Interest free credit - You may choose to pay your premium in twelve interest
free monthly instalments or one annual
direct debit. This applies not only to all the insurances you have with us
but also, should you decide to make use of the Gurr Johns valuation service, the valuation fee.
Optional annual travel for the family - At a an exceptionally competitive
premium, this option provides family cover
for holiday and business trips anywhere in the world. Winter sports may be
included as may extra children and adults.
Optional motor breakdown cover - Our specially rated stand-alone motor
breakdown cover is provided by RAC. It
covers roadside, at home rescue, nationwide recovery and European cover.
Optional pleasure craft covers - A further option available to our clients,
is a range of specialist insurances for sailing,
motor and speedboats as well as small or inland water craft anywhere in the
world. Competitively priced, these are
arranged for us by Haven Knox-Johnson, one of the leading pleasure craft
insurers at Lloyd’s.
Legal protection - Your policy includes up to £75,000 per claim for legal
costs and tax investigations. There is also a 24
hour confidential telephone service for personal legal and tax advice.
Assistance and information helplines - These telephone services are
available 24 hours a day for immediate advice and
assistance with domestic crises, finding cover for absent staff, health
advice, sourcing out-of-hours vets and totally
confidential counselling service.
Homesitters - Homesitters Limited are offering our clients a specially
reduced tariff if you employ their carefully vetted
short-term caretakers to look after your home - and your pets - when you are
away. Because this proven service also
enhances the security of your home, we will take this into account when
calculating your renewal premiums.
Valuations - As a result of special arrangements negotiated with Gurr Johns,
the prestigious independent firm of
specialist valuers, you may spread the cost of their fee by extending your
interest free monthly payments to include it. In
addition Oak will, until renewal and subject to certain limits and
conditions, waive part or all of the resulting
additional premium.