Following Government advisory on COVID-19, we have temporarily closed our office premises as a safety measure for our staff and stake holders. During this period, our services will continue uninterrupted as our dedicated and customer centric work force will function as usual to provide optimum policy and claim services by working from their homes.
Hotels, Guest and Public Houses Insurance - New India Assurance UK

Hotels, Guest and Public Houses Insurance

This specially developed policy lets you get on with your day to day business and leaves us at New India to deal with the unexpected. Designed specifically for Hotels, Guest and Boarding Houses and Public Houses, it combines your essential business insurances in one document.

When you take out a policy you will gain access to free Emergency Assistance and Legal & Tax Advice Helplines along with a Business Legal Services website resource all operated by ARAG Plc.

Premium payments:

We understand the financial impact that Covid-19 is having on individuals and businesses across the country. A question you may be asking is:

‘As a result of Covid-19 what happens if I can’t afford to pay for my policy?’

Most of our Commercial and Retail Insurance policies are arranged via insurance brokers/MGAs, so in the first instance please contact your broker/MGA to discuss your needs and what assistance may be available.

If you have a direct debit under a Regulated Credit Agreement with New India Assurance and need our assistance please contact us on 01473 233626 between 9 am to 5pm Monday to Friday (excluding Bank Holidays).

FCA Test case:

Due to the widespread impact of the COVID-19 pandemic and the extent of repudiated insurance claims for business interruption, the Financial Conduct Authority (FCA) has decided to intercede in this matter.  They are seeking to obtain legal Judgment on how a number of insurance products should respond to the COVID-19 outbreak and the subsequent Government Coronavirus Regulations.  These are referred to as the “test case”.

Whilst the policy wording issued by ourselves is not one for consideration by the test case, once Judgment and any subsequent appeal process is complete in the test case, it is expected the outcome will provide significant guidance for the need to review claims made under similar circumstances and similar policy wordings.

The FCA’s intended timetable for the test case review should see an initial decision (subject to possible appeal) in mid to late July 2020.  Thereafter, should there be a need to review the decision on claims of our Policyholders, we will contact our Policyholders individually.

In the meantime, you can keep up-to-date with the developments of the FCA’s test case review via their website  We will also be updating this website with any significant developments in the test case.

For further information please refer to the following links:

Our standard policy includes cover for;  

  • Contents and Stock with an option to extend to include cover for Household Contents, Tenants Improvements or Guests Effects
  • Seasonal Stock Increase of 50% for November/December and 20% for January and 14 days prior to and Bank Holiday
  • Escape of draught beer, minerals and other draft beverages (excluding spirits) from storage containers and connected apparatus
  • Accidental Damage to underground pipes, services and cables
  • Cover for Stock temporarily removed for catering at local events or functions
  • Replacement of locks at the property following theft of keys up to £500
  • Loss of metered water up to £5,000
  • Breakage of fixed glass and signs
  • Loss of Income and Additional Expenditure – standard limit of £600,000 with 24 months maximum Indemnity Period, with option to increase.
  • Extensions include loss of income due to Denial of Access, Accidental Failure of public utilities, Notifiable Diseases, Defective Sanitation, Vermin or Pests and Murder or Suicide.
  • Costs of Alternative Accommodation expenses for residential owner, steward or manager up to £25,000
  • Money up to £3,000 with option to increase
  • Cover for bodily injury sustained directly as a result of assault or violence in connection with Theft
  • Public and Products Liability £2,000,000
  • Employers Liability £10,000,000
  • Extension to include liability for the provision of bar and catering facilities at local events

Further options available to include cover for;

  • Damage to Buildings including Debris Removal and Architects and Surveyors Fees
  • Deterioration of frozen and chilled Stock following breakdown of refrigeration equipment up to £5,000
  • Reduction in the value of the business following loss of licence up to £100,000
  • Loss or damage to Goods in Transit (including whilst loading and unloading) up to £5,000
  • Loss of money or other property following dishonesty of employees up to £10,000
  • Legal Costs and Expenses up to the Limit of Indemnity selected relating to Employment Disputes, Employment Compensation Awards, Tax Protection, Property Disputes, Tenancy Protection, Compliance and Regulation, Directors Protection, Statutory Licence Protection and Contract & Debt Recovery.

Suitable Risks;

  • Bed & Breakfast / Guest House
  • Hotel (including those accommodating DSS referrals)
  • Public House (including those with entertainment and/or restaurant facilities)
  • Wine Bar / Late Bar
  • Social Club

Positive Features;

  • Low claims frequency
  • Trading history and experience
  • Superior security features
  • Overnight occupancy
  • Low flood risk
  • Low Subsidence risk

Unacceptable Features;

  • Non-Standard Construction
  • Unoccupied risks
  • Sports Facilities
  • Unspent Criminal Convictions
  • Previous Liquidation / Bankruptcy / CVA


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Claims Information

Our Claim Promise

Attending to claims promptly, handling them efficiently through reputed, reliable and well-known firms of Loss Adjusters and settling the claims in a just, equitable and fair manner is New India’s philosophy to claims.

We handle claims with understanding, sympathy and appreciation of the claimant’s situation.

Making a Claim

  • Please report your claim immediately in accordance with your policy conditions to your Broker and to The New India Claims department using the number supplied below.
  • To ensure a faster, easier service please make sure you have your policy number and any other relevant details to hand.
  • In the event of any loss by theft or malicious damage to your property, this should be reported to the police immediately.
  • A claim form must be duly completed and submitted to The New India Claims department using the address or fax number below within 60 days of the loss/damage.

Please do not delay in contacting your Broker or the Claims Department of New India as soon as you are aware of a claim or possible claim, even if all the above information is not immediately available.

Commercial Claims Office