Coronavirus Update

The whole Cherish team is now working from home using secure IT servers. We are all striving to maintain our usual response times for enquiries. However, please be patient with our staff if you experience an unexpected delay.

Our contact details remain unchanged, including any direct details you have.

COVID-19 cover

Please note the following guidance relating to Cherish products offering COVID-19 cover.

Cherish home insurance policies
Unoccupied PropertyPolicy numbers starting CH, CR, CS, FE, FK and GP issued or quoted up to 30/04/2020:
If the insured property has not been lived in for more than 60 consecutive days as a direct result of Coronavirus (for example, due to enforced quarantine, travel restrictions, cancellations or self-isolation) the insured will remain fully covered until it is safe for them to return. There is no need to inform us.
Policy numbers starting CR and CS quoted and issued after 01/05/2020:
For all new Second Home and Residential Landlord business after 01/05/20, our usual policy terms and conditions have been reinstated to the Unoccupied definition. This does NOT affect policies beginning with CH, FE, FK and GP.
Cherish HomeNo specific cover for illness or disease.
Cherish Home B&BNo specific cover for illness or disease.
Cherish Residential LandlordNo specific cover for illness or disease.
Cherish Second Home - Family & FriendsNo specific cover for illness or disease.
Cherish Second Home - Family, Friends & Paying GuestsThere is cover for Loss of hiring charges and Alternative accommodation up to 20% of the buildings sum insured, or 20% of the contents sum insured if buildings not insured, as a result of notifiable disease, but this must occur at the insured home. Our view is that there are only very limited circumstances in which this cover may operate in the current outbreak.

Cherish does not hold claims-settling authority, so the final settlement or repudiation of claims will be made by AXA. The above information is therefore provided as guidance only.