Jargon Buster

We’re committed to helping our customers understand insurance. Here’s a list of common words and phrases you will come across in your policy and when making your decisions.
All | A B C D E F I L N P R S U V
There are 2 entries in this directory beginning with the letter S.
Standard Exclusions
Whilst these may vary from one insurance policy to another, generally these are the exclusions applied in all insurance policies and describe in what circumstances a claim may not be paid.
Subrogation
This is when an insurance company has made a claim settlement but feel that the cause of the claim was the fault of someone else and in these circumstances they may then seek to recover all or some of what they have paid.

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BHIB Councils Insurance is a trading name of BHIB Limited. Registered office is AGM House, 3 Barton Close, Grove Park, Enderby, Leicester, LE19 1SJ. BHIB Limited is registered in England and Wales number: 829660 Authorised and regulated by the Financial Conduct Authority. We are covered by the Financial Ombudsman Service. You can find out more at www.financial-ombudsman.org.uk.

BHIB Limited also provide risk management services and guidance which is not regulated by the Financial Conduct Authority. Any protection provided by the Financial Ombudsman Service or the Financial Services Compensation Scheme does not apply to this specific business activity and we will inform you of this before undertaking the business activity.