Village Hall insurance policies are now invariably arranged with a three-year Long Term Agreement (or Long Term Undertaking). This means that you have committed to remain with that insurer for the three year period. The advantage of this is that you receive a premium discount in exchange for your loyalty – the discount can range from 5% to 15%, depending upon the insurer. Indeed, some insurers allow a five-year term which carries an even greater discount. Insurers offer these agreements in order to benefit from the guarantee of your business. Their part of the bargain is that they are not allowed to increase the premium rate for the duration of the agreement. In other words, if their rat

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34a Hiltingbury Road, Chandler's Ford, Eastleigh, SO53 5SS

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