Step by step
Step 1
If you're a committee member/director of a residents'
association/company which is responsible for a private road or
estate in England or Wales, and you'd like to find out about PRS
insurance, please start by reading the information on this
website.
The pages in this section will tell you about the different
sorts of cover offered by our basic policy - and the additional
covers which we can also provide on request. Please also look
at our FAQ
pages on insurance, for the answers to many regular
queries.
And please read our Terms and Conditions, and our Regulatory
Information pages, both of which are important. Please
note especially our rules in relation to contacts.
Step 2
Ask us for a quick quotation, using the quick quotation form in
the panel to the right- please don't use the aplication form! If
there are any special features or hazards which may affect the
risk, please let us know, so that we can consult the insurers.
We normally send with quotations, by email or on CD:
- Our brochure and the insurers' brochure
- The Policy Document
- A (blank) Schedule (the Policy Document and Schedule need to be
read together)
- but please let us know if you would like more (or less)
information. Acceptance of risk is subject to the completion and
approval of a Statement of Fact (i.e. application) form.
Step 3
If your association/company has decided to go ahead with PRS
insurance please use the application form which starts on our home
page, where it says "Apply online".
As you go through the form you can choose to have PRS insurance
or PRS membership or both. Membership is a valuable addition
to insurance: please see our Membership pages for full details.
Alternatively, if you prefer to fill in a paper form, we can
email you a form to print off, or we can send one by post - just
let us know.
Please remember that an insurance contract is a contract "of the
utmost good faith": it's the responsibility of the person
seeking cover to make full disclosure, so that the insurers can
assess the risk. If you're unsure about what needs to be disclosed,
please let us know.
You can start cover at any time; but please note that, for
reasons of administrative efficiency, we run policies to the end of
a month - for example, 10 March 2011 to 31 March 2012 - premiums
being calculated on a pro rata basis. Don't send any money -
we will work out the cost, and send an invoice in one of our new
binders.
Step 4
Please pay promptly! Paying by cheque usually suits our
insurance clients; but if you would prefer to pay by BACS
transfer just let us know and we will send the necessary
details.
On receipt of payment we will send a "live" Schedule, which will
contain the name of your association/company, levels of cover,
dates etc. The Policy Document and the Schedule, together with the
application form, contain the contract of insurance.
Step 5
Don't forget to ask us for a code so that you can register and
log on to the insurance pages of our website (and our members'
pages if you've also taken out membership). These contain
background information, explanation of claims procedure, how
renewal works, etc.
Last Updated: 29 February 2012