Stephen Lower and Coronavirus

The Stephen Lower Team

Stephen Lower is open as normal, although as with many companies at present, the vast majority of our Team are now working from home.

Whilst we are endeavouring to maintain our usual unparalleled service levels, please do bear with us if there are any minor hiccups, whilst we adjust to these new ways of working

Our usual contact details still apply:-

Although due to home working, if you need to speak with a particular member of the team, then they may sometimes need to call you back

Coronavirus and customers in temporary financial difficulty

Stephen Lower and our respective insurers recognise that we are all currently living through truly exceptional times.

As part of this, we would collectively like to make it clear that we fully support the Financial Conduct Authority's (FCA's) requirement for insurance companies to provide support for policy holders who are in temporary financial difficulty as a result of the current pandemic.

For example, a policy holder might be struggling to pay their insurance premium because they have either been furloughed or been made redundant as a result of the pandemic.

You may find the FCA's Finalised Guidance on this matter here:-

FCA Coronavirus and Financial Difficulty

(Note that although the FCA's guidance expires on 31st October, they are currently consulting on extending this further)

Should you be a policy holder in such circumstances, then the most important thing is to communicate this to your insurers as soon as possible.

Who to Contact

  • If you obtain your Stephen Lower policy via an insurance broker or managing agent, then generally please contact them in the first instance to discuss your situation

    As your agents, they will be able to advise you accordingly and will contact us on your behalf if appropriate.

    For the avoidance of doubt though, whilst contacting your broker or managing agent is strongly recommended, you MAY, of course, contact us directly (see below) should you prefer

  • If you are a 'direct' customer, then please contact Stephen Lower yourself, as follows:-

    • Phone: 01303 241170

      • Monday to Friday 09:00 - 17:00

      • Ask to speak to a director regarding Covid-related payment issues

    • E:

    • Fax: 01303 850653

Please rest assured that we will act with the upmost discretion and will treat each case on its individual circumstances.

More generally, Axis Capital have their own dedicated web page :-

Axis Capital: Covid resource centre - UK Policy Holders

Property Unoccupancy

Should your property become wholly or partially unoccupied as a result of Coronavirus-related issues, then please refer to the following MS Amlin documents:-

Clearly, these are MS Amlin documents and any reference to notifying MS Amlin should be read as notifying Stephen Lower instead.

Note that properties unoccupied before HM Government's announcement on 23rd March 2020 and those properties which have become unoccupied for non-Coronavirus reasons may be subjected to different terms and requirements.

Should you have any queries regarding this, then please do not hesitate to contact us, using the contact details shown at the top of this page.

T: 01303-241170 | | F: 01303-850653