THE SPECIFYING SCRIPT

Transcription

1 THE SPECIFYING SCRIPT

2 Contents Act 1: Lets talk 3 Act 2: How might that conversation go? 5 Act 3: Out and about 8 Act 4: When should you specify items? 12 THE SPECIFYING SCRIPT 2

3 Act 1: Let s TALK It s important to chat to your clients, especially about the things that might not be covered as standard by their insurance.

4 ACT 1: LET S TALK Having a conversation with your client means you ll be adding value and they ll be getting the right price and advice. For example IF THEY HAD CERTAIN ITEMS STOLEN FROM THEM, SUCH AS... SPECIAL EDITION ROLEX ORIGINAL PIECE OF ART THEY MAY NOT BE COVERED This guide is designed to make it much easier to have the conversation with your clients, by going over when it s appropriate to specify items. THE SPECIFYING SCRIPT 4

5 How Act 2: MIGHT THAT CONV ERSA TION GO?

6 ACT 2: HOW MIGHT THAT CONVERSATION GO? CONTENTS Well first, it would be a good idea to find out if your client has any individual valuables. These will need to be specified if they re worth more than our 2,500 trigger point. Valuables include: Don t forget PRECIOUS METAL AND STONE JEWELLERY WATCHES WORKS OF ART COMPUTER & PORTABLE ELECTRIC EQUIPMENT These items need to be specified with a clear description of the item and value. For example: Diamond necklace, 5,150. The maximum we will cover all valuables in the home for is 15,000 with Home Insurance and 22,500 for Home Insurance Plus. THE SPECIFYING SCRIPT 6

7 ACT 3: HOW MIGHT THAT CONVERSATION GO? What ELSE? Money up to 500 is also included in our Contents cover Secondly, you need to ask your client if they have any other high value items. Our Home Insurance covers other contents within the home as standard, up to 15,000 per item. This includes items like a DESIGNER SOFA HI-SPEC TV SMEG FRIDGE GOOD TO KNOW If 15,000 per item is not quite enough there s the option to choose Home Insurance Plus which will cover individual items up to 22,500. THE SPECIFYING SCRIPT 7

8 Act 3: So, you ve got that part out of the way, what s next? UT and ABOUT

9 Both money and unauthorised credit card use up to 500 can also be covered under Personal Possessions Finally, if the client has opted for Personal Possessions cover, you ll need to find out if they have any personal possessions that need specifying. These are items normally used or worn outside the home, like: JEWELLERY CLOTHING EXPENSIVE PORTABLES MOBILE PHONES* (UP TO 250) PUSH BIKES* (UP TO 500) *Mobile phones or push bikes over these limits can be covered, but will need to be specified with a clear description of the item and value. For example: Black, Apple iphone 6 ref 26778, 650. THE SPECIFYING SCIPT 9

10 ACT THREE: OUT AND ABOUT With Personal Possessions, your client will need to specify individual items if they are worth more than the 2,500 trigger point, excluding mobiles and push bikes. 2 UP TO 15,000 We can provide UP TO 22,500 ON HOME INSURANCE ON HOME INSURANCE PLUS This covers either a single item or maximum for multiple items under Personal Possessions. SOMETHING ELSE Some items that can t be covered under our Personal Possessions cover include musical instruments, camping equipment and dentures. It s also worth noting, we can t cover motorised or mechanically assisted vehicles, other than garden machinery or motorised and electric wheelchairs under Contents or Personal Possessions. THE SPECIFYING SCRIPT 10

11 ACT THREE: OUT AND ABOUT If they ASK... Q. What excess do I pay if I need to claim for personal possessions? A. You pay the excess that has been selected for your contents cover Q. What do I do if I don t have anything that hits the trigger point? A. Don t specify, but consider if an unspecified level of cover is required. See T&Cs for more information. THE SPECIFYING SCRIPT 11

12 Act 4: WHEN SHOULD YOU SPECIFY ITEMS? Here s a handy tool to help you check if an item needs specifying or not. CONTENTS PERSONAL POSSESSIONS START Is the item to be covered both in and away from the home? IN & AWAY? IS IT WORTH OVER 250? IS IT A MOBILE PHONE? VALUABLES ITEMS OF PRECIOUS METAL OR STONE JEWELLERY WATCHES WORKS OF ART COMPUTER EQUIPMENT PORTABLE ELECTRICAL EQUIPMENT, OTHER THAN TVs OR RADIOS SPECIFY DON T SPECIFY IS IT A PEDAL CYCLE? IS IT WORTH OVER 2,500? IS IT WORTH OVER 500 IS IT WORTH OVER 2,500? SPECIFY DON T SPECIFY SPECIFY DON T SPECIFY

13 the end Paymentshield and the Shield logo are registered trademarks of Paymentshield Limited (registered number ) which is a company registered in England and Wales at Paymentshield House, Southport Business Park, Wight Moss Way, Southport, PR8 4HQ. Authorised and regulated by the Financial Conduct Authority. Telephone calls to Paymentshield may be recorded for training and quality. Paymentshield Limited (02/17).