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Brentwood Borough Council

FOI 8039

Insurance

Request

Does your organisation insure with Zurich Municipal via their Select group of policies - Yes/No

If yes, does your organisation have an All Risks - Part K policy under the select group of policies - Yes/No

This is the policy which provides wider perils cover for higher value items and where All Risks cover is needed. It would normally reside under Part K of the select policies but may the contained in another section depending on how your policies are arranged.

If the answer is no to either of the above then please discontinue with this FOI and reply as appropriate.


If you do have an All Risks - Part K (or All Risks policy under another section) then please supply a copy of this document as part of this FOI request and answer the following:

This question relates to the theft cover under the All Risks - Part K (or All Risks policy under another section) of the select policy which has no specific definition of theft within the policy itself. As such it will be necessary to seek clarification by e-mail from your insurers asking them to confirm whether:

a) Theft cover is restricted to forcible and violent entry/exit from the premises.

b) Theft cover is not restricted to forcible and violent entry/exit from the premises ie day time walk-in theft is covered.

This question should be easily answered as your insurers are duty bound under the conditions of the Financial Conduct Authority Handbook which contains fundamental obligations of all firms under the regulatory system. Item 7 refers to Communications with Clients - A firm must pay due regard to the information needs of its clients and communicate to them in a way which is clear, fair and not misleading.

The question therefore is simple and straightforward requiring a yes answer to either a) or b).

If an answer is not forthcoming from your insurers or is unclear then please select

c) No clearly understood answer provided.

Response

Further to your FOI regarding our All Risks policy I can confirm the following:-
• Does your organisation insure with Zurich Municipal via their Select group of policies - Yes
• If Yes, does your organisation have an All Risks - Part K policy under the select group of policies - Yes
• Copy of document was sent as an attachment

With regards to your remaining questions below,

This question relates to the theft cover under the All Risks - Part K (or All Risks policy under another section) of the select policy which has no specific definition of theft within the policy itself. As such clarification may need to be sought from insurers via e-mail on the following point:

a) Is the theft cover restricted to forcible and violent entry/exit from the premises.

b) Is theft not restricted to forcible and violent entry/exit from the premises.

Please see Zurich’s response below:

“We are of the opinion that these questions do not relate to a Freedom of Information request. These are requests for advice about your policy. Whilst in an insurance services context of course we would wish to discuss your policy coverage with you should you have any queries. However we are not in a position to provide advice to a member of the public.”