Pub Insurance 4u FAQs

You can get a quote by clicking here and filling in our simple to use online form, or by clicking any of the "get a quote" buttons throughout our site.

If there's anything you're unsure of give us a call on 01773 810072, one of our advisors will be happy to help.

If you'd prefer for us to give you a call, you can request a callback and we'll give you a call back at a time that suits you.

You can ask for a reminder for cover in the future. Start a quote and choose "I don't need a quote yet". We'll email you to remind you about getting a quote.

Before your policy expires we will contact you about renewal and may ask you to confirm or update your premises and trading details, including any claims or changes to your business.

Once you accept and pay, your cover continues and updated documents are normally emailed to you. Tell us about changes to your premises, stock, or activities so your renewal stays accurate.

Questions about renewal? Call 01773 810072, use our contact page, or request a callback.

Use the claims contacts on your policy schedule and wording. For a step-by-step overview, see our pub insurance claims guide. If you are unsure who to notify, call 01773 810072.

Cover levels depend on the type of work you do, your contracts and any obligations from clients or sites. Our advisors can talk through your options and explain how to decide on an appropriate limit. See our full FAQ for more detail.

If you're looking for other options, you'll find that many industry organisations and professional bodies will likely be able to offer useful advice.

Yes. We offer insurance for pubs, cocktail and wine bars, tapas venues, nightclubs and other licensed premises.

Yes. Pub Insurance 4u is a product of C I 4 U GB Nationwide Limited which is authorised and regulated by the Financial Conduct Authority 496879. Registered in England No. 06671640.

From standard public and product liability policies, to policies including additional insurance such as property damage, stock cover and much more — select what you need on the form. Your quotation and schedule confirm what is insured.

If you need any additional insurance cover, or want to discuss unusual features that need to be considered, one of our advisors will be happy to help. Please call us on 01773 810072 to discuss any specific insurance requirements.

We offer the option to set up payment via direct debit, so you can spread the cost of your policy throughout the year, subject to policy terms and minimum premium requirements. Instalments are arranged when you accept your terms, not via an online checkout on this site.

Buildings — the structure and landlord-type fixtures if you are responsible for them. Contents — furniture, equipment, and fixtures you own or are responsible for inside the premises. Wet stock — drink stock (and related stock covers where offered).

Not every quote includes every section automatically. Select what you need on the form, and check your schedule. If you are unsure whether you or your landlord insure the building, check your lease before you buy.

Not always. Activities away from the usual bar area — beer gardens, marquees, festivals, outside catering, or one-off events — can change your liability exposure. Declare them on the quote or tell us mid-term if you add them later.

Until an activity is accepted and shown on your schedule, do not assume it is covered. Unusual events may need referral — use request a callback or contact.

UK law generally requires employers’ liability if you employ anyone (with limited exceptions). Casual, part-time, kitchen, bar, and many family-working arrangements can still count — do not assume “casual” means no EL.

Answer the employee and helper questions on the quote form accurately. Whether EL is included, and at what limit, is shown on your quotation and schedule — confirm before you rely on cover for staff. If you are unsure how to classify someone, contact us on 01773 810072 before you bind.

After purchase, download or request your certificate and schedule via Email my documents and supply what the licensing authority or landlord has asked for. Your quotation and schedule confirm what is insured — limits, sections, and named insured — so check they match the notice before you submit proof.

If they need a specific limit or wording that is not already on your documents, tell us exactly what the notice says so we can confirm whether we can meet it — do not assume cover exists until it is accepted and shown on the schedule.

Do not edit certificates yourself. For cancellations that affect licence proof you already submitted, notify the authority as their process requires.

Prefer to call us? Our lines are open Mon–Fri, 8am–8pm (UK time). We are closed on weekends and UK bank holidays unless we publish otherwise.

If you request a callback, choose a day and time slot that suits you. We call you back from our outbound number during Mon–Fri, 8am–5pm and aim to call within your chosen window (afternoon slots run until 5pm). If we miss you, we will try again or leave a message where we can.

Outside those hours, use the contact form at contact us or start a quote online where available. We will pick up your message on the next working day.

Important: if you need to notify a claim or an emergency, do not wait for a sales callback. Use the insurer contact details on your policy documents, and see our claims guide.

Cover starts from the start date and time on your policy schedule, once we have accepted your application and your payment is sorted (for example your first payment has cleared, or a direct debit plan is set up as shown when you bought cover).

An unpaid quote is not insurance. You are not covered until your schedule says cover has started.

Your policy documents are normally emailed once payment is accepted and your application is accepted, so you can check the start date on your schedule straight away. That date can be the same day or a future date you chose — you are only covered from that date and time.

If we send you terms to review before you take out cover, we confirm the start date when your policy is in place.

Always read your schedule and policy documents. If anything looks wrong, contact us immediately via contact or 01773 810072.

Cooling-off and cancellation depend on your policy documents and Terms of Business for that policy — they are not the same for every insurer or product we arrange. Read the terms we send you (or ask us) to confirm whether you have a cooling-off period, when it starts, and what refund deductions may apply. Do not assume a 14-day cooling-off unless your documents say so.

If you need to end the policy, you can ask us from your policy page. We'll email a code to confirm it's you. Cover continues until we confirm that request.

If a claim has been made, or you know about something that could lead to a claim, contact us instead. Cover stays in place until we have looked at it with you.

After any cooling-off period ends, cancellation rules depend on your policy documents and Terms of Business. Some policies allow mid-term cancellation with a charge for the time you were insured; others differ. Check your documents or ask us to confirm what applies to your policy.

You can also reach us via contact, 01773 810072, or the path described in your documents. Please have your policy number ready.

If you have already given a certificate to someone who asked for proof of cover, tell them promptly if cover ends.

Full detail: your policy documents and our Terms of Business.

You can start a change from the link in your policy email.

1. Open your policy.
2. Choose Make a change.
3. Enter the code we email to you before you continue.

You can ask us to change your name, title, email, phone, or address. Your policy does not change until we confirm that request.

Tell us as soon as something important changes, including a change you cannot make on that page. Do not wait until renewal. Work or a cover level you never told us about can leave a gap if a claim happens.

Changes we need to know about include:

• A new name, email, phone, or address
• A new premises or trading address
• More staff, or employers' liability if you employ people
• A higher cover limit

For a change you cannot make on your policy page, contact us via contact or 01773 810072 with your policy number and what has changed.

We will confirm whether cover can be extended, whether an extra premium applies, and we will reissue documents after any change is accepted.

Until a change is accepted and shown on your schedule, do not assume you are covered for the new activity.

Start with Email my documents: Email my documents. Once you have paid and your policy is in place, your certificate of insurance and schedule are normally emailed to you. You can request them again through that tool without waiting on the phone.

Your quote and schedule show your cover limits, sections, and who is insured. Check they match what the third party asked for before you send proof.

Send them the certificate or evidence of cover their checklist names. Do not alter a certificate yourself.

If they need special wording on the policy, a higher limit, or someone else named on the cover that is not on your documents yet, contact us via contact with the exact request and your policy number. Do not assume you are covered until the change is accepted and shown on your schedule.

More help: FAQs and claims guide if the request relates to a claim rather than proof of cover.

There is no customer login and no online account. The staff sign-in page is not for customers.

Your policy page opens from the link in the email we sent when your cover was set up. That link is personal to you. It is not a sign-in page.

To have your certificate and schedule emailed again, use Email my documents. You do not need a password.

If you were part-way through a quote, use the continue link in the email we sent you. If you still cannot find the email, contact us.

Start a quote using our online form. An advisor will review your details and contact you with terms. You then accept and pay using the options in those terms.

You may need to speak to us sooner if your situation is complex or needs special cover wording. Use request a callback or contact, or call 01773 810072 during Mon–Fri, 8am–8pm.

Answer the quote form honestly, and read your policy documents when your cover is active.

Plan the start date of your new Pub Insurance 4u policy to line up with when your existing cover ends (or the date you agree to cancel it).

Do not cancel your old policy until your new policy has started — check your new schedule — unless the Terms of Business on your old policy say otherwise and you have taken advice.

When you switch, tell us about previous claims, times cover was refused or cancelled, and anything important the new application asks about.

If you are unsure about dates, contact us via contact or 01773 810072 before you cancel anything.

Insurance Premium Tax (IPT) is a UK government tax charged on most general insurance premiums. It is not a broker fee and not optional for eligible policies.

Your quote and documents should show IPT in the price breakdown where it applies. Check the breakdown so you compare like-for-like.

If a line on your invoice is unclear, ask us via contact with your quote or policy reference.

Claims / incidents: notify the insurer using the contact details on your policy documents. Do this promptly. Follow our claims guide.

Sales, quotes, mid-term changes, and general policy questions: call 01773 810072 (lines open Mon–Fri, 8am–8pm), contact, or request a callback (callbacks Mon–Fri, 8am–5pm).

Documents and certificates: use Email my documents first.

Please do not use the sales number as your first step for a claim emergency. Notify the insurer using your policy documents first, then contact us if you need help understanding next steps.

You can usually start a quote without every document to hand. Having these ready speeds things up:

• Business basics and what you do
• Staff numbers, and employers' liability if you employ anyone
• Your insurance history
• Any cover limit a contract or premises owner has asked for
• Premises details, buildings and contents, wet stock, and licensing if the form asks

Start at our online quote form (or contact / callback if you cannot buy cover online on the site).