Frequently Asked


We can insure your Buildings, General Contents, Valuables, Fine Art, Motor, Travel, Pets and Residential Investment Properties.

No minimum premiums, but you do have to purchase Contents cover in your main residence as a minimum requirement

The only risk that your policy must include is General Contents for your main residence.

Yes, if you have already agreed to purchase the General Contents and cover is scheduled to commence within 364 days of the date on which the policy commences.

You have the option to cancel all your current policies with other providers and start all risks with Archipelago at the same time, alternatively you can attach each one to your Archipelago policy as they expire and come up for renewal. We suggest you provide your adviser with the current policy renewal dates, who will enter these into the Archipelago platform which then calculate how the monthly premium changes as each risk attaches over the coming 12 months

Yes, all you need to do is give us 30 days’ notice of your intention to cancel. We can also cancel by giving you 30 days’ notice, but we are unlikely to do this except where we have not received premium from you

No, we use multiple data sources through our intelligent platform to derive these values and on which we base your premium.

No minimum premiums, but you do have to purchase Contents cover in your main residence as a minimum requirement

Yes, we just need to know if the pool is outside or inside.

Yes, we only ask you to specify any items valued at more than £20,000 each or as a set. For all other items, we only need their aggregate value.

Yes, you can ask your adviser to add this and he/she will upload the list into our platform.

Yes, we include Home Emergency as standard. If we are unable to repair your boiler, we will even pay £500 towards a replacement one.

No, we trust you to take the security measures you feel are appropriate.

Yes, we give you worldwide cover as standard.

Yes, if there are not more than five properties within the building.

Unless you digest the T&Cs of many ‘packaged’ travel insurance products you’ll not know their limitations and exclusions especially around undeclared medical conditions. And you may miss their requests to update your medical records. At your Archipelago annual review, however, we’ll make sure all your records are up-to-date. Our comprehensive, worldwide cover will give you complete peace of mind. And we handle any claim you might make from start to finish.

If you’ve answered ‘Yes’ to certain questions we will ask you to complete a short online medical screening. We need to understand any potential issues up front to ensure any claim progresses swiftly and easily. We expect to accept 95% of all declared medical conditions.

We provide cover for UK property and assets. We do not provide cover for overseas Property or Motor in Northern Ireland or outside the UK.

No. We calculate the premiums for each risk separately, therefore a claim under your General Contents would not affect your Motor premium.

No, we do not. You can either pay by annual or monthly direct debit with no interest or penalty charges for paying monthly.

Yes, we offer discounts for two or more cars, two or more Pets and three or more Investment Properties

We want you to be with us for the long term. From the outset we charge you a fair and sustainable premium, which should adjust marginally over time depending on the changing profiles of your risks.

Yes, depending on the total premium spent on the policy we will offer you two additional excess options, except on Travel, Pet and Windscreen which remain as standard.

Our standard excess of £500 applies to Home, Motor, Investment Property, and Travel. There is a £100 excess for a replacement windscreen and no excess for windscreen repairs. The excess on Pet cover is £100.

Your policy is fully flexible. You can add or remove risks or change the amount of cover at any time, without any admin charges. For example you can add a second vehicle or a new named driver and we will amend your monthly premium and not charge you any policy administration fees.

There is no annual renewal. However, your adviser will review your policy with you annually to make sure you are fully covered and make any policy changes. We also review the sums insured on which your premiums are calculated to ensure they remain appropriate and will then issue a revised policy schedule.

We believe it’s unfair to ask you to be an expert in these areas or to penalise you for a wrong estimate in the event of a claim. We use expert data providers to profile your risk and if we are wrong it’s our problem, not yours.

Yes, for Buildings and all items of General Contents valued at under £20,000, either individually or as a set.

Items below £20,000 do not need to be specified, items above this are fine but you need to give us some details about them.

We recommend that you opt out of that as it may have less preferential terms to the cover that we provide, and also so that you only have one number to call for all of your claims.

Yes, we provide this as standard in the UK and Europe, we provide provide you with one phone number that will be able to deal with any issues. You will be able to receive assistance accross the whole of europe and can guarantee someone will be able to come for you.

Yes, we set out to cover as many of your general insurance needs as possible and recognise this is a problem many of our clients have faced or are about to.

Yes, our product is specifically designed to look after all aspects of our clients’ needs, just give us a call to let us know.

Yes, to all named drivers on an insured vehicle.

Yes, but only if your windscreen needs replacing, which is £100. If it can be repaired, there is no excess.

Yes, we offer tank drain and flush as part of the policy.

You can include extended family members and household staff by adding them as additional insured persons for the risk(s) that you choose.


We currently do not offer motorbike or scooter insurance. We are working with specialists in this sector with the aim of adding this to our product portfolio in the near future.


Yes, automatically for all named drivers on an insured vehicle. You will no longer have to nominate just one driver per vehicle to benefit from this.