{"id":170,"date":"2025-05-13T14:11:55","date_gmt":"2025-05-13T13:11:55","guid":{"rendered":"https:\/\/spencerhayesprotect.co.uk\/?page_id=170"},"modified":"2025-05-14T12:38:26","modified_gmt":"2025-05-14T11:38:26","slug":"frequently-asked-questions-faqs","status":"publish","type":"page","link":"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/frequently-asked-questions-faqs\/","title":{"rendered":"Frequently Asked Questions (FAQ&#8217;s)"},"content":{"rendered":"<section class=\"l-section wpb_row height_auto width_full\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_2 laptops-cols_inherit tablets-cols_1 mobiles-cols_1 valign_middle type_boxes reversed stacking_default\" style=\"--columns-gap:0px;\"><div class=\"wpb_column vc_column_container us_custom_5a240cfb has_bg_color stretched\"><div class=\"vc_column-inner\"><\/div><\/div><div class=\"wpb_column vc_column_container us_custom_b056428e\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h3>FAQ&#8217;s<span style=\"color: #8e9cb1;\">.<\/span><\/h3>\n<p>Frequently asked questions, and our answers.<\/p>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"w-tabs accordion toggle_style_1 has_scrolling remove_indents\" style=\"--sections-title-size:inherit;--sections-gap:0.5rem;\"><div class=\"w-tabs-sections titles-align_none icon_plus cpos_right\"><div class=\"w-tabs-section\" id=\"u03f\"><button type=\"button\" class=\"w-tabs-section-header\" aria-controls=\"content-u03f\" aria-expanded=\"false\"><h6 class=\"w-tabs-section-title\">Can I change my policy later?<\/h6><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-u03f\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span>Circumstances can change in the blink of an eye and it is important to review your policy every so often to ensure it still meets your current circumstances, this can be for a whole variety or reason so if your unsure give us a call and we&#8217;ll be delighted to assist you.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"q1cd\"><button type=\"button\" class=\"w-tabs-section-header\" aria-controls=\"content-q1cd\" aria-expanded=\"false\"><h6 class=\"w-tabs-section-title\">What happens if I miss a payment?<\/h6><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-q1cd\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span>If you find yourself in financial difficulty just give us a call and we will guide you with the best advice, normally you can reinstate your policy with no penalty for a short period and continue your cover if a payment is missed and you catch up.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"s32d\"><button type=\"button\" class=\"w-tabs-section-header\" aria-controls=\"content-s32d\" aria-expanded=\"false\"><h6 class=\"w-tabs-section-title\">How do I file a claim?<\/h6><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-s32d\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><div class=\"p-rich_text_section\">You can either give us a call within operational hours whereby will assist you straight away or contact your provider directly.<\/div>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"p517\"><button type=\"button\" class=\"w-tabs-section-header\" aria-controls=\"content-p517\" aria-expanded=\"false\"><h6 class=\"w-tabs-section-title\">What policy is best for me?<\/h6><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-p517\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><div id=\"message-list_1747144719.982389\" class=\"c-virtual_list__item\" tabindex=\"0\" role=\"listitem\" aria-setsize=\"-1\" data-qa=\"virtual-list-item\" data-item-key=\"1747144719.982389\">\n<div class=\"c-message_kit__background c-message_kit__background--hovered p-message_pane_message__message c-message_kit__message\" role=\"presentation\" data-qa=\"message_container\" data-qa-unprocessed=\"false\" data-qa-placeholder=\"false\">\n<div class=\"c-message_kit__hover c-message_kit__hover--hovered\" role=\"document\" aria-roledescription=\"message\" data-qa-hover=\"true\">\n<div class=\"c-message_kit__actions c-message_kit__actions--default\">\n<div class=\"c-message_kit__gutter\">\n<div class=\"c-message_kit__gutter__right\" role=\"presentation\" data-qa=\"message_content\">\n<div class=\"c-message_kit__blocks c-message_kit__blocks--rich_text\">\n<div class=\"c-message__message_blocks c-message__message_blocks--rich_text\" data-qa=\"message-text\">\n<div class=\"p-block_kit_renderer\" data-qa=\"block-kit-renderer\">\n<div class=\"p-block_kit_renderer__block_wrapper p-block_kit_renderer__block_wrapper--first\">\n<div class=\"p-rich_text_block\" dir=\"auto\">\n<div class=\"p-rich_text_section\">Contact our team today to discuss the policies that are best suited for your specific requirements.<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_medium color_primary\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h5 style=\"text-align: center;\">Need to ask a question?<\/h5>\n<p style=\"text-align: center;\">If you would like to ask us a question, don&#8217;t hesitate to get in touch!<\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"w-popup us_custom_eb849559 w-btn-wrapper align_center\"><button class=\"w-popup-trigger type_btn w-btn us-btn-style_7\" style=\"font-size:1.2rem\" aria-label=\"Contact Us\" type=\"button\"><span class=\"w-btn-label\">Contact Us<\/span><\/button><div class=\"w-popup-overlay\" style=\"background:rgba(0,0,0,0.85);\"><\/div><div class=\"w-popup-wrap layout_default position_center-center\" role=\"dialog\" aria-modal=\"true\" aria-label=\"Popup\" style=\"--title-color:#ffffff;--title-bg-color:var(--color-content-primary);--content-color:var(--color-content-text);--content-bg-color:var(--color-content-bg);--popup-width:600px;--popup-padding:5%;--popup-wrap-padding:1.5rem 0;\"><button aria-label=\"Close\" class=\"w-popup-closer\" type=\"button\"><\/button><div class=\"w-popup-box animation_fadeIn closerpos_outside with_title\"><div class=\"w-popup-box-h\"><div class=\"w-popup-box-title\">Ask a Question<\/div><div class=\"w-popup-box-content\"><div class=\"wpcf7 no-js\" id=\"wpcf7-f15-o1\" lang=\"en-GB\" dir=\"ltr\" data-wpcf7-id=\"15\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/protect\/wp-json\/wp\/v2\/pages\/170#wpcf7-f15-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"15\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_GB\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f15-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<p><label> <strong>Full Name *<\/strong><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"general-fullname\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"general-fullname\" \/><\/span> <\/label>\n<\/p>\n<p><label> <strong>Business Name (if applicable)<\/strong><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"general-businessname\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"general-businessname\" \/><\/span> <\/label>\n<\/p>\n<p><label> <strong>Email Address *<\/strong><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"general-emailaddress\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"general-emailaddress\" \/><\/span> <\/label>\n<\/p>\n<p><label> <strong>Telephone Number *<\/strong><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"general-telephonenumber\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" autocomplete=\"tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"general-telephonenumber\" \/><\/span> <\/label>\n<\/p>\n<p><label> <strong>Preferred Contact Method *<\/strong><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"general-preferredcontactmethod\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"general-preferredcontactmethod\"><option value=\"\">&#8212;Please choose an option&#8212;<\/option><option value=\"Email\">Email<\/option><option value=\"Telephone\">Telephone<\/option><option value=\"Either (Email or Telephone)\">Either (Email or Telephone)<\/option><\/select><\/span><br \/>\n<\/label>\n<\/p>\n<p><label> <strong>Message *<\/strong><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"general-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"general-message\"><\/textarea><\/span> <\/label>\n<\/p>\n<div class=\"wpcf7-turnstile cf-turnstile\" data-sitekey=\"0x4AAAAAACbFPo8WjfEL0QQ-\" data-response-field-name=\"_wpcf7_turnstile_response\"><\/div>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Submit\" \/>\n<\/p><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"2\"\/><script>\ndocument.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );\n<\/script>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-separator size_small\"><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"FAQ&#8217;s. Frequently asked questions, and our answers. Can I change my policy later?Circumstances can change in the blink of an eye and it is important to review your policy every so often to ensure it still meets your current circumstances, this can be for a whole variety or reason so if your unsure give us...","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-170","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-json\/wp\/v2\/pages\/170","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-json\/wp\/v2\/comments?post=170"}],"version-history":[{"count":7,"href":"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-json\/wp\/v2\/pages\/170\/revisions"}],"predecessor-version":[{"id":179,"href":"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-json\/wp\/v2\/pages\/170\/revisions\/179"}],"wp:attachment":[{"href":"https:\/\/dev.spencerhayesgroup.co.uk\/protect\/wp-json\/wp\/v2\/media?parent=170"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}