NFRN Mutual Limited - a better alternative to conventional insurance companies

Building - Construction

Is the building of the premises of standard construction with standard roofing? (brick, stone or concrete/slates or tiles)

Yes No
Does the building have any flat roofs?

Yes No

Building – Flooding

Has your shop or the surrounding area (within 500 metres) ever been the subject of flooding?

Yes No

Building – Subsidence

Has the property ever suffered from subsidence?

Yes No

Building – Private Residence

Do you live above the shop?

Yes No
Is there an internal door connecting your shop and your private residence?

Yes No

Building – Other Residence

Other than your own private residential accommodation, is the building occupied solely as a newsagents or are there any other businesses, offices or residential accommodation within the same building?

Yes No

Your Business – Other Activities

Does your business incorporate a sub-post office?

Yes No
Does your business include any activities other than the sale of newsprint, magazines, tobacco, alcohol, sweets, confectionary, groceries and/or lottery tickets at these premises?

Yes No

Your Business – Food

Do you sell any prepared food products other than pre-packed or pre-pared and sealed products?

Yes No
Do you sell any hot food?

Yes No
Do you sell any hot drinks?

Yes No

Your Business – Calor Gas

Are you an agent for Calor Gas or similar gas supply companies?

Yes No
Do you use a calor gas heater or any other heater on the premises which has an exposed heating element or flame?

Yes No

Your Business – ATM Machine

Do you have an ATM machine?

Yes No

Lottery Terminal

Do you operate a lottery terminal?

Yes No

Building – Alarm System

Is your property protected by an intruder alarm system?

Yes No
What type of alarm is it?
Is the alarm approved, installed and on an annual maintenance contract with a NSI/SSAIB approve company?

Building - Shutters

Is your property protected by shutters at the front of the shop?

Yes No

Building – Side/Rear Access

Does your property have any side or rear doors?

Yes No
Are all side and rear doors solid wood?

Yes No
What lock protect the side/rear doors? (type of lock, number of locks etc.)
Do the side and rear doors have any reinforcement?

Yes No
Does your property have any side or rear accessible windows?

Yes No
Are there any doors or accessible windows at the side/rear of the premises which are not protected as discussed above?

Yes No

Building – CCTV

Do you have CCTV?

Yes No

Building – Other Security

Do you have any other security in place that you would like us to take into account?

Yes No

Building – Damage

Do you require cover for the Buildings?

Yes No
What is the rebuild value of the Building?

£
Is the Building of the Premises a Listed Building?

Yes No

Rent Cover

Do you require cover loss of Rent?

Yes No

Fixed Glass & Shop Front Cover

Do you require cover for Fixed Glass and Shop Front?

Yes No
What annual limit would you like for Fixed Glass and Shop Front Cover (all fixed glass, frames, doors, paneling, shutters, blinds and awnings?)

£

Business Contents & Stock Cover

Do you require cover for your Business Contents & Stock?

Yes No
Do you sell or rent any pre-recorded audio & video tapes, cassettes, CDs, DVDs and computer games?

Yes No
What is the replacement value of ALL contents at the premises INCLUDING business contents, equipment and fixtures & fittings, tenants improvements, alterations & decorations but EXCLUDING landlords fixtures & fittings, Money and Stock?

£
What is the MAXIMUM replacement value of Stock held at the premises at any one time, including all cigarettes, tobacco, beers, wines & spirits?

£
What value of your total stock applies to the replacement value of all cigarettes & tobacco held at the premises?

£
What value of your total stock applies to the replacement value of all beers, wines & spirits held at the premises?

£

Business Interruption

Cover is automatically included for Business Interruption which covers your loss of Gross Profit up to £500000 over a 24 month Maximum Benefit Period

Include Exclude

Goods In Transit

Cover is automatically included for Goods in Transit up to a maximum of £2500. This cover excludes losses from any unattended vehicle.

Include Exclude

Money & Assault

What is the MAXIMUM amount of money held in the premises during business hours?

£
What is the MAXIMUM amount of money carried in transit in any one trip?

£
How many times per week do you bank your takings?
What is the replacement value of all stamps, scratch cards, phone cards, travel passes and other cash-equivalent items held at the premises?

£
Do you have a safe at the premises?

Yes No
Cover for money in the premises out of business hours and secured in a locked safe is limited to £1,000 per unspecified safe. Is this sufficient?

Yes No
Special Clauses / Exclusions :
Theft (including Attempted Theft) not involving entry to or exit from a building by forcible and violent means or actual or threatened assault or violence is specifically EXCLUDED.
Money in Transit is subject to the following limits:
Up to £3,000 shall be accompanied by at least one able-bodied adult.
£3,001 to £6,000 shall be accompanied by at least two able-bodied adults.
£6,001 to £10,000 shall be accompanied by at least three able-bodied adults or two able-bodied adults by motor car or in an approved security case.
£10,000 + shall be transported by specialist security carrier.
Assault provides cover for up to £5,000 per unit in the event of death or loss of one or more limbs or eyes as a result of a Robbery. Would you like to include assault cover?

Yes No
How many units would you like?

Deterioration Of Stock

Cover is automatically included up to £2000 for Deterioration of Stock as a result of damage to or breakdown of any Refrigerating Plant. It is a condition of this cover that any Refrigerating Plant over 5 years of age is covered by a maintenance contract with a competent refrigeration engineer.

Include Exclude

Personal Accident

Personal Accident provides cover for up to £10,000 per unit in the event of death or loss of one or more limbs or eyes as a result of an Accident. Would you like to include Personal Accident cover?

Yes No
How many units would you like?
Please list the person/s you would like to cover.

Employer Liability

Employers Liability is included up to £10 million per event.

Include Exclude

Public & Products Liability

Public and Products Liability is included. The Limit of Liability for Public Liability is £2 million per event. The Limit of Liability for Products Liability is £2 million in the aggregate.

Include Exclude

Previous Claims

In the last three years, have you made any claims for any items or events that may be covered by this cover, or have any incidents or losses occurred regardless of whether or not they were covered or claimed for?

Yes No
If YES please give details/dates/amount claimed.

Previous Refusal

Have you or anybody else with an interest in the business ever had any insurance refused withdrawn, or subject to special conditions?

Yes No
If YES please give details.

Bankruptcy

Have you, your business partners or anyone else with an interest in the business ever been declared bankrupt?

Yes No
If YES please give details.

Criminal Convictions

Do you, your business partners or anyone else with an interest in the business have any criminal convictions which have not been spent under the rehabilitation of offenders act?

Yes No
If YES please give details.

Interested Parties

Are there any interested parties to be noted on this cover?

Yes No
Please state name and relationship to you