Saga Home Insurance Premier Your Policy Booklet

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1 Saga Home Isurace Premier Your Policy Booklet

2 Cotets All about Saga Home Isurace Welcome to Saga Home Isurace 3 Your cover at a glace 4 Coverig your home from top to bottom 6 Some other iformatio you eed to kow 8 Your policy i detail Itroductio 11 Specific policy words ad what they mea 12 Buildigs Premier cover 15 Cotets Premier cover 18 Persoal Belogigs Cover Uspecified items 26 Optioal cover Persoal Belogigs Cover Specified items 27 Pedal Cycles Outside the Home Cover 28 Garde Cover 29 Legal Expeses Cover Cotets How to make a claim 40 How to make a claim Geeral Coditios 41 How much we will pay 42 Geeral Exceptios 44 Geeral Coditios 45 Help ad advice from Saga 47 Protectig your property 48 Saga Services Limited has arraged for Saga Home Isurace to be isured by the isurer(s) amed o your Schedule, with the exceptio of Legal Expeses Cover, which is uderwritte by Acromas Isurace Compay Limited, Lie Wall Road, Gibraltar; Registered Number (Gibraltar). Acromas Isurace Compay Limited is authorised by the Fiacial Services Commissio, Gibraltar. Acromas Isurace Compay Limited is a member of the Associatio of British Isurers. These details ca be checked o the FCA s register by visitig the FCA s website at or by callig

3 Welcome to Saga Home Isurace Thak you for takig out home isurace with Saga. This booklet, together with your policy Schedule ad ay edorsemets, cotais all the iformatio you eed to kow about your Saga Home Isurace policy ad we hope you fid it easy to uderstad. O the followig pages you ll fid a overview of our buildigs ad cotets isurace alog with a diagram showig some of the situatios you are covered for. Please check this to make sure the policy you have chose is appropriate for your eeds. There s some other iformatio we eed to tell you, such as what to do if you re ot happy with your policy, what we do with your persoal iformatio ad how we are doig our best to combat fraud. You ca fid this iformatio o pages Next we tell you more specific iformatio about your policy, icludig a explaatio of words that have particular meaigs i this booklet, before gettig dow to the real detail of exactly what you ca ad ca t claim for. There are some thigs that we always exclude from cover ad these are show i the Geeral Exceptios o page 44; while the Geeral Coditios that follow explai what you eed to do to esure you have the full protectio of your policy. Some of the cover detailed i this booklet is optioal ad therefore ot automatically icluded i your policy. Please refer to your Schedule to see whether you have chose it. If ot, ad you would like to do so, we will be happy to give you a quote. Fially, if you eed to make a claim o your policy, you ca fid details of how to do so o page 40. Roger Ramsde Chief Executive Saga Services Ltd Welcome to Saga Home Isurace 3

4 Your cover at a glace What s covered Maximum amout payable What s covered Maximum amout payable Buildigs Premier cover Rebuildig ad repair costs Sum isured show o policy Schedule Property ower s liability 2,000,000 Alterative accommodatio Up to buildigs sum isured Trace ad access of a water or oil leak Up to buildigs sum isured Accidetal damage Up to buildigs sum isured Emergecy etry Up to buildigs sum isured Lock replacemet Up to buildigs sum isured Damage caused by pets Up to buildigs sum isured Replacemet of matchig pairs ad sets Up to buildigs sum isured Compulsory evacuatio Up to buildigs sum isured Cotets Premier cover New for old cover for cotets Sum isured show o policy Schedule Alterative accommodatio Up to cotets sum isured Replacemet of matchig pairs ad sets Up to cotets sum isured Theft by bogus officials 250 Liability to others 2,000,000 Accidetal damage Religious festivals Weddigs, civil parterships, birthdays or aiversaries Up to cotets sum isured 20% icrease o cotets sum isured durig the moth of ay religious festival 20% icrease o cotets sum isured for oe moth before ad oe moth after Visitors persoal belogigs 1,000 Cotets i the ope 1,000 Lock replacemet Up to cotets sum isured Hedges, laws, trees, shrubs ad plats 1,000 Persoal moey ad credit cards 500 Froze food Up to cotets sum isured Oil ad metered water Up to cotets sum isured Busiess equipmet 5,000 Deeds ad documets 2,500 Damage caused by pets Up to cotets sum isured 4 Your cover at a glace

5 What s covered Maximum amout payable What s covered Maximum amout payable Medical equipmet o loa 5,000 Carers persoal belogigs 250 Liability to domestic employees 10,000,000 Urecovered court awards 2,000,000 (plus other costs ad expeses we have agreed to) Jury service 1,000 ( 25 per day) Movig home cover for ew home Up to 5,000 for furiture, soft furishigs ad kitche appliaces i your ew home Fatal ijury 5,000 Improvemets you make as a teat Up to 10% of cotets sum isured Liability as a teat Up to 10% of cotets sum isured Studet cover 5,000 Persoal Belogigs Cover Uspecified items aywhere i the world 5,000 with 1,000 per idividual item, pair or set. Trauma cover Expeses followig a violet crime: Cousellig fees 500 Temporary accommodatio or security improvemet 500 Necessary coveyacig, removal ad estate agecy fees 5,000 Reward for iformatio followig theft or violece 500 Permaet disability followig a accidet i the home 30,000 for ecessary alteratios Additioal cover optios Persoal Belogigs Cover Specified Up to amout show o policy Schedule items Pedal Cycles Outside the Home Cover Up to amout show o policy Schedule Garde Cover Professioal garde desig fees ad expeses 2,500 Loss or damage to your garde 1,500 Cotets i the ope 2,000 Legal Expeses Cover 100,000 Your cover at a glace 5

6 Coverig your home from top to bottom The cost of alterative accommodatio if the property caot be lived i durig repairs up to sum isured New for old cotets cover, icludig clothig ad lie You are isured agaist water damage caused by leakig or overflowig domestic drais, water or heatig istallatios, kitche appliaces ad fixed domestic water istallatios Cost of replacig ew locks or mechaisms up to cotets sum isured Cover of up to 1,000 for loss or damage to hedges, laws, trees, shrubs ad plats you ow withi the property boudary. 6 Coverig your home from top to bottom

7 Cover for damage to your desktop computer up to cotets sum isured Trace, access ad repair of a water or oil leak up to buildigs sum isured Cover for cotets i your domestic garage or outbuildigs at the property up to cotets sum isured Cover for accidetal damage to your televisio up to cotets sum isured Persoal moey ad credit cards up to 500 Coverig your home from top to bottom 7

8 Some other iformatio you eed to kow Our customer service commitmet to you Saga aims to provide you with high levels of service at all times. However, if you feel that our service has falle below the stadard you expect ad you wat to complai, we will do our best to sort it out quickly. If you have a query or a complait please see your Schedule where you will fid our cotact telephoe umbers as well as our address details if you prefer to write to us. What happes whe it s time to reew your policy We will sed you a reewal ivitatio aroud 21 days before your reewal date, which will iclude your premium for the ext year. If you origially paid for your policy by Direct Debit, or by cotiuous authority credit card or debit card, we will automatically reew your policy usig these paymet details, so you do t eed to do aythig if you wat to reew your policy. However, if you do t wat to reew, or you wat to chage your paymet method, you will eed to cotact us o You will also eed to cacel your Direct Debit madate with the bak. How we use your persoal iformatio The iformatio you have give us ad/or Saga will be held ad used to maage your isurace policy, which will iclude both uderwritig ad claim hadlig. For this purpose we ad/or Saga may disclose it to other iterested third parties, for example other isurers, regulatory authorities ad agets who provide services o our behalf. By acceptig this policy you coset to our processig persoal data icludig sesitive data about you ad other persos who may be isured uder the policy. You uderstad that all persoal data you give to us ad/or Saga must be accurate ad that you have the specific coset of those other persos to disclose their persoal data. If you cotact us ad/or Saga electroically, we ad/or Saga may store your Iteret Protocol (IP) address or your telephoe umber supplied by your service provider. Isurers pass iformatio to the Claims ad Uderwritig Exchage Register (CUE), ru by Isurace Database Services Ltd. We ad/or Saga may search this register as this helps us ad/or Saga to check iformatio provided ad to prevet fraudulet claims. We ad/or Saga may also udertake credit searches ad additioal fraud searches. Uder the coditios of your policy you must tell us ad/or Saga about ay icidet (such as a fire, water damage or theft) which may or may ot give rise to a claim. Whe you tell us ad/or Saga about a icidet we ad/or Saga will pass iformatio relatig to it to the register. If false or iaccurate iformatio is provided ad fraud is idetified, details will be passed to fraud prevetio agecies to prevet fraud ad moey lauderig. Further details explaiig how the iformatio held by the fraud prevetio agecies may be used ca be obtaied uder the fair processig otices provided i the combatig fraud sectio below. We ad/or Saga will esure that ay persoal data you provide will be held securely ad i accordace with the Data Protectio Act Sometimes data may be trasferred outside the Europea Ecoomic Area to a third party provider of goods or services that you have requested ad which operates outside of that jurisdictio. Ay such data will be held securely ad to similar stadards as 8 Some other iformatio you eed to kow

9 required uder the Data Protectio Act Your calls may be moitored ad recorded i order that the service may be improved ad to help prevet ad detect fraud. We ad/or Saga may check iformatio provided or received ad we ad/or Saga may also udertake additioal fraud searches. To assess your isurace applicatio ad the terms o which cover may be offered, we ad/or Saga may obtai iformatio about you from credit referece agecies to check your credit status ad idetity. We ad/or Saga may use this iformatio to assess which paymet optios we ad/or Saga ca offer you. The agecy will record our equiry but this will ot affect your credit ratig. Your data may be disclosed to regulatory bodies for the purposes of moitorig ad/or eforcig compliace with ay regulatory rules/codes. It may also be used for marketig, offerig reewals, research ad statistical purposes ad crime prevetio. By providig Saga with your persoal data ad cotact details, you coset to the Saga group of compaies ad their parters usig it to cotact you by post, telephoe, , SMS or other electroic meas, to iform you about ay products ad services which they cosider may be of iterest to you. However, you ca cotact the Saga Data Protectio Officer i writig at ay time to suppress cotact for some or all Saga products. I the case of persoal data, with limited exceptios, you have the right to access ad if ecessary rectify iformatio held about you by formal writte applicatio to Saga s Group Data Protectio Officer at Ebrook Park, Sadgate, Folkestoe, Ket CT20 3SE. What we do to combat fraud Fair processig otices As part of our fraud prevetio process we will complete a umber of equiries to check the details you provide us with. If false or iaccurate iformatio is provided ad fraud is idetified, details will be passed to fraud prevetio agecies. Law eforcemet agecies may access ad use this iformatio. The isurers ad other orgaisatios may also access ad use this iformatio to prevet fraud ad fiacial crime, for example, whe: checkig details o applicatios for credit ad credit related or other facilities; maagig credit ad credit related accouts or facilities ad recoverig debt; checkig details o proposals ad claims for all types of isurace; checkig details of job applicats ad employees. The isurers ad other orgaisatios may access ad use, from other coutries, the iformatio recorded by fraud prevetio agecies i the Uited Kigdom. If you would like to receive details of the fraud prevetio agecies we use please cotact the Head of Fraud, Ebrook Park, Sadgate, Folkestoe, Ket CT20 3SE. What happes if we chage the uderwriter of your policy Your Saga Home Isurace policy is curretly provided ad isured by the isurer(s) oted o your Schedule, as part of a agreemet betwee Saga Services Limited ad the isurer(s). At some time i the future Saga may eter ito a arragemet with a ew provider for all or part of your policy i which case Some other iformatio you eed to kow 9

10 this ew provider will offer you ew cover to replace your curret policy. If this is the case, we will write to you to cofirm the details of the ew provider, ad give you details of ay chages to the Terms ad Coditios of your policy. You hereby authorise Saga to trasfer ay persoal data to the ew provider, ad you coset to the ew provider beig able to offer cover to you. If at ay time you wish to withdraw your agreemet to this, please let us kow by callig The laguage ad law applicable to this policy The terms ad coditios ad all other iformatio cocerig this isurace are supplied i the Eglish laguage ad we udertake to commuicate i this laguage for the duratio of the policy. Uless we have agreed otherwise, this cotract will be govered by the law of Eglad ad Wales. Iflatio protectio idex-likig Idex-likig is a mothly adjustmet to the sum isured show o your Schedule. We do ot make a charge for idex-likig durig the period of isurace but each time you reew your policy, we will work out your premium agai o the ew sum isured. Buildigs If you have specified your buildigs sum isured we will idex-lik the sum isured show o your Schedule. We use the House Rebuildig Cost Idex prepared by the Royal Istitutio of Chartered Surveyors or aother appropriate idex. We do ot apply idex-likig to our stadard limit. Cotets If you have specified your cotets sum isured we will idex-lik the sum isured show o your Schedule. We use the Retail Price Idex or aother appropriate idex. We do ot apply idex-likig to our stadard limits. For your specified items icluded i the optioal Persoal Belogigs Iside ad Outside the Home Cover, we will idex-lik the sum isured show o your Schedule, usig the Retail Price Idex or aother appropriate idex. 10 Some other iformatio you eed to kow

11 Your policy i detail Saga Home Isurace is a isurace product provided by the isurer show i your Schedule. The isurer has relied o the iformatio ad statemets you gave whe they agreed to provide cover. This iformatio ad statemets, together with this policy wordig ad the policy Schedule, form the isurace policy ad must be read together as oe documet. Please read this Policy Booklet ad your Schedule carefully to make sure they meet your eeds. You agree to pay the premium ad to keep to the coditios of this policy. If you arrage to pay by istalmets ad do ot keep up your paymets, you will ot be covered by this policy from the date the premium was due. The isurer agrees to isure you accordig to the terms, coditios ad exclusios i this Policy Booklet for the sectios show i your Schedule. They will provide cover for ay period for which you have paid or agreed to pay the required premium. Your policy i detail 11

12 Specific policy words ad what they mea This part of the policy sets out the words that have a specific meaig whe relatig to your policy. These words are listed below with the meaig explaied beside them ad, to help you idetify them, they are prited i bold type wheever they appear i the policy. There are other words with specific meaigs listed uder the Legal Expeses sectio o page 30. You should also look at these. Your Schedule will show you if your policy icludes this sectio. Accidetal damage Accidetal loss Admiistratio fee Uexpected ad uiteded damage caused by sudde ad exteral meas. Uexpected ad uiteded physical loss. The amout show i your documets that Saga may charge for admiisterig your isurace policy if you make a chage to your cover, request ew documets or cacel your isurace policy before your reewal date. Bedroom A room used as a bedroom or origially iteded to be used as a bedroom but ow used for other purposes. Bogus officials Ayoe falsely claimig to be a represetative from a orgaisatio, compay or goverig body, i order to gai uforced access ito your home. Buildigs Your home or your ew home, ad its permaet fixtures ad fittigs, boudary ad garde walls, gates, hedges, feces, paths, terraces, drives, patios, permaetly-built swimmig or orametal pools ad their covers, teis courts, cables, udergroud pipes ad ispectio covers, septic taks ad cetral-heatig gas or oil taks all formig part of the property for which you are legally resposible. These must all be at the address show i your Schedule. Busiess equipmet Office equipmet, furiture ad stock (ot held for sale) that belogs to you, you are resposible for uder a hirig or legal agreemet or you are legally liable for. Compulsory evacuatio Cotets Whe your buildigs caot be lived i because you are preveted from doig so by a resposible authority: followig damage to a eighbourig property; or because of a risk to your health or safety from somethig exteral to your buildigs. Aythig which you ow or is i your possessio. Cotets does ot iclude the followig: aythig covered by ay other isurace or more specifically isured by this policy busiess equipmet your home (except fixtures, fittigs ad decoratios belogig to you, where you are the teat) or ay other buildigs motorised vehicles ad their trailers, trailer tets, caravas, horseboxes, aircraft ad boats (uless models or had propelled), or their accessories ad parts ay livig creature trees, shrubs or plats pedal cycles away from the home. Credit cards Bak, charge, cheque guaratee, credit, debit ad cash dispeser cards you hold for persoal purposes. Edorsemets A extesio or restrictio to your policy. Edorsemets oly apply if they appear i your Schedule. 12 Your policy i detail

13 Escape of water Excess Fixtures ad fittigs Groud heave Home Isurer(s) Kitche appliaces Ladslip Motorised vehicles Loss or damage by water as a result of a burst, froze, leakig or overflowig fixed domestic drai, water or heatig istallatio, kitche appliace or fixed domestic water pipig/ pipes. The first part of ay claim which you must pay. We show the excess amouts i your Schedule. Built-i furiture, built-i kitche appliaces, fixed glass ad saitary ware, solar paels, pipes, ducts, wires, cables, switches, fires, boilers, radiators, storage heaters, fixed wall, floor ad ceilig coverigs other tha carpets. The upward or sideways movemet of the site o which your buildigs are situated caused by swellig of the groud. The house, bugalow, flat or maisoette show i your Schedule. Domestic garages belogig to the property. Outbuildigs if they form part of the property. The isurer(s) show i your Schedule. Dishwasher, washig machie, washer dryer, tumble dryer, cooker/ove/hob/hood, microwave, fridge, freezer or fridge freezer which you ow. Sudde movemet of soil o a slope or gradual creep of a slope over a period of time. Ay electrically or mechaically powered vehicles other tha: vehicles used as domestic gardeig equipmet withi the boudaries of the lad belogig to your home; vehicles desiged to help ifirm or disabled people (as log as the vehicles are ot registered for road use); golf carts ad trolleys; ad pedestria-cotrolled toys ad models. New home The private house, its garages ad outbuildigs belogig to the property that you have exchaged cotracts to buy ad will occupy as your permaet home. Persoal belogigs Persoal moey Policyholder Property Saga Clothig (icludig items of leather ad sheepski) ad persoal items icludig sports equipmet (other tha those excluded uder cotets) desiged to be wor or carried. This does ot iclude: valuables or persoal moey; pedal cycles; ad campig equipmet or trailer tets. Cash, curret bak ad currecy otes, cheques, postal ad moey orders, bakers drafts, premium bods, savigs stamps ad certificates, uused curret postage stamps, travellers cheques, travel tickets, seaso tickets, lucheo vouchers, gift tokes, phoecards ad tradig stamps icludig televisio licece, gas, electricity ad phoe stamps you hold for persoal purposes. Persoal moey does ot iclude: lottery ad raffle tickets; air miles vouchers ad cards; promotioal vouchers ad cards; or credit cards. The perso amed i your Schedule. The buildigs ad the lad withi its boudary. Saga Services Limited. Schedule The documet showig details of the policyholder ad the isurace protectio provided. Your Schedule is part of this policy ad must be read i cojuctio with the policy. Settlemet The atural movemet of ew properties i the moths ad years after they are built. Your policy i detail 13

14 Subsidece Dowward movemet of the site o which the buildigs are situated by a cause other tha the weight of the buildigs themselves. Sum isured The amout show i your Schedule as the most we will pay for ay umber of claims from the same evet. Ufurished Whe your home is ot sufficietly furished for ormal livig purposes for more tha 60 days i a row. Uoccupied Whe your home has ot bee lived i by you, or a perso authorised by you, for more tha 60 days i a row. Valuables Jewellery, watches, clocks, furs, articles made of gold, silver ad other precious metals, precious stoes, pictures, works of art ad collectios of stamps, cois ad medals which you ow or are i your possessio. We, Our, Us The isurer(s) show i your Schedule. You, Your The perso or people show i the Schedule as the policyholder ad your husbad, wife or parter, childre (icludig childre of your husbad, wife or parter ad adopted ad foster childre) ad ay other perso, who permaetly live with you i your home. This does ot iclude lodgers ad other guests. 14 Your policy i detail

15 Buildigs Premier cover Your Schedule shows if you are covered uder this sectio of the policy. The most we will pay for ay oe claim is show i the Your cover at a glace sectio. We cover the followig 1. Loss or damage Ay loss or damage to your buildigs, icludig: loss or damage caused by domestic pets; loss or damage caused by scratchig or detig; loss or damage to your home ad laws, trees, shrubs ad plats caused by forced etry due to a medical emergecy ivolvig you; or loss or damage caused by fallig trees, braches, lamp posts, telegraph poles, electricity pylos, poles or overhead cables. This icludes the cost of removig the falle object which has caused the loss or damage; ay costs ad expeses, which we have agreed to, for locatig ad gaiig access to ay leakig water or oil pipe ad repairig it. We do ot cover the followig The Geeral Exceptios show o page 44. The excess show i your policy Schedule (o excess applies to your legal liability). The escape of water excess show i your policy Schedule. The cost of preparig a claim. Loss or damage caused by: subsidece, groud heave or ladslip to boudary ad garde walls, gates, hedges, feces, paths, terraces, drives, patios, permaetly-built swimmig pools or orametal pools, teis courts, septic taks, or cetral-heatig gas or oil taks uless your home is damaged at the same time by the same cause; movemet to solid floor slabs uless the foudatios beeath the outside walls of your home are damaged at the same time by the same cause; settlemet; swellig or shrikig of ifill materials; the coast or river bak beig wor away; storm or flood to timber gates, feces ad hedges; structural chages, structural repairs or demolitio; faulty workmaship, faulty desig or usig faulty materials; loppig, toppig or fellig of trees o your property; malicious acts or vadalism by you or ay persos lawfully i your home; malicious persos or vadals, escape of water or theft whe your home is uoccupied or ufurished; mechaical or electrical fault, failure or breakdow; or wear ad tear. Your policy i detail 15

16 We cover the followig We do ot cover the followig 2. Fees ad other costs Costs ad expeses which we have agreed to for: complyig with statutory or other buildigs regulatios or by-laws; architects, surveyors or other professioal fees; clearig rubble from the site, demolishig or proppig up. 3. Alterative accommodatio Ay costs ad expeses for ret you would have received, ret you still have to pay icludig groud ret, ad alterative accommodatio (which is of a similar size ad stadard to your home) for you ad your domestic pets, which we have agreed to: followig loss or damage to your buildigs; or for a maximum period of 30 days, followig a compulsory evacuatio of your buildigs. 4. Replacemet locks Istallig ew locks or replacig lock mechaisms to your home ad safes ad alarms i your home, if the keys are lost or stole. If you have claimed for istallig ew locks or replacig lock mechaisms to your home uder the Cotets sectio of your policy. 5. Sellig your home Whe you sell your buildigs, we will also cover your buyer util the sale is completed (uless the buyer is isured uder ay other policy). 6. New home Subject to formal acceptace from us of your ew home ad your agreemet to ay terms ad coditios that may apply, we will cover loss or damage to the buildigs of your ew home if you have exchaged cotracts or, i Scotlad, cocluded the missives, but you are ot occupyig as your home. Please cotact us o to Loss or damage to your ew home: if you are ot occupyig your ew home withi eight weeks from the exchage date; caused by water which has leaked or overflowed from, or has froze i, ay fixed domestic drai, water or heatig istallatio, appliace or pipig whe your ew home is ot lived i from the date of exchage 16 Your policy i detail

17 We cover the followig arrage this cover prior to exchagig cotracts o your ew home. We do ot cover the followig of cotracts to your movig i date uless you have arraged to tur off the gas ad water supplies at the mais ad drai the water system, or you have arraged to leave a cetral heatig system workig to prevet freezig, i which case the temperature cotrol must be set to at least 58 degrees Fahreheit (14 degrees Cetigrade) at all times durig the period 1 October to 31 March iclusive; if the buildigs of your ew home are isured uder ay other policy; if the joit rebuildig costs of your buildigs ad your ew home exceed the sum isured limit show o your Schedule; or durig ay reovatio/alteratio to your ew home. 7. Property ower s liability Your legal liability as ower of the buildigs, icludig the lad belogig to the buildigs (ad ay private house previously owed ad occupied or leased ad occupied by you) followig: accidetal death, bodily ijury, illess or disease to ay perso; ad/or loss or damage to property. If you die, we will cover your legal persoal represetatives i respect of your legal liability. This icludes ay claimat costs ad expeses arisig from ay oe accidet. We will also pay defece costs ad expeses, which we agree to i writig. Your legal liability for: accidetal death, bodily ijury, illess or disease to you or your domestic employees; loss or damage to property which you ow or is i your possessio; or faulty work to ay private house previously owed ad occupied or leased ad occupied by you, which happes more tha seve years after this policy expires. Your legal liability arisig from: ay busiess or employmet ivolvig you; ay deliberate act; ay cotract or agreemet uless you would have bee liable ayway if that cotract or agreemet did ot exist; owig, possessig or usig ay of the followig: motorised vehicles; caravas; watercraft (other tha surfboards, widsurfs ad models or toys); or aircraft (other tha models or toys). Your policy i detail 17

18 Cotets Premier cover Your Schedule shows if you are covered uder this sectio of the policy. The most we will pay for ay oe claim is show i the Your cover at a glace sectio. We cover the followig We do ot cover the followig 1. Loss or damage Ay loss or damage to your cotets or busiess equipmet: i your home ad withi the boudaries of the lad belogig to your home icludig loss or damage caused by scratchig or detig, or domestic pets; while they are beig trasferred (i the Uited Kigdom, Chael Islads or Isle of Ma) betwee your home ad your ew home or to or from a furiture storage facility, bak or safe deposit icludig loss or damage caused by scratchig or detig, or domestic pets; or whe you take them away from your home o a temporary basis aywhere i Europe, caused by: fire, smoke, explosio, lightig or earthquake; riot, civil commotio, strike, labour or political disturbace; malicious acts or vadalism; beig hit by aircraft, flyig objects or aythig fallig from them, vehicles, aimals, fallig trees, braches, or aerials, satellite dishes, masts ad their fittigs; storm or flood; subsidece or groud heave of the site o which the buildigs stad or ladslip; water or oil that has leaked from ay fixed domestic water or heatig istallatio, appliace, pipig or drai; or theft or attempted theft. The Geeral Exceptios show o page 44. The excess show i your policy Schedule, except for claims arisig from fatal ijury, your legal liability ad urecovered court awards. The escape of water excess show i your policy Schedule. The cost of preparig a claim. Loss or damage caused by: wear ad tear; mechaical or electrical fault, failure or breakdow; malicious acts or vadalism by you or aybody lawfully i your home; malicious persos or vadals, escape of water or theft whe your home is ufurished or uoccupied. Loss or damage to the cotets while they are away from your home: i a furiture storage facility; by theft uless someoe uses force ad violece to go ito or leave the buildigs; while you are i full-time educatio ad livig away from your home; or caused by storm or flood uless cotaied i the buildigs. 2. Alterative accommodatio Ay costs ad expeses, we have agreed to i advace, for: ret you still have to pay; 18 Your policy i detail

19 We cover the followig We do ot cover the followig alterative accommodatio (which is of a similar size ad stadard to your home) for you ad your domestic pets; the cost of temporary storage of your cotets; followig ay oe claim where your home caot be lived i as a result of loss or damage isured uder your policy. 3. Persoal moey ad credit cards Fiacial loss aywhere i the world followig the fraudulet use of ay credit card. The card must be issued i Great Britai, Isle of Ma, Chael Islads or Norther Irelad. Loss of your persoal moey aywhere i the world. Fiacial loss where: the loss of the credit card has ot bee reported to the police ad the card compay withi 24 hours after discoverig the loss; the card compay s terms ad coditios have bee broke; you have used the card frauduletly; or there has bee uauthorised use by you or your family. Shortages of persoal moey due to errors ad/or omissios. 4. Oil or metered water Loss of oil or metered water from your domestic water or heatig istallatio. 5. Replacemet locks Istallig ew locks or replacig lock mechaisms to your home ad safes ad alarms i your home if the keys are lost or stole. If you have claimed for istallig ew locks or replacig lock mechaisms to your home uder the Buildigs sectio of your policy. 6. Deterioratio of food Deterioratio of food or drik i the freezer or fridge i your home as a result of: the accidetal failure of the freezig uit; refrigerat fumes; or a accidetal power failure. Your policy i detail 19

20 We cover the followig We do ot cover the followig We will also pay the cost of hirig aother freezer where we have agreed that this is ecessary to try to lesse the claim. 7. Garde cover Loss or damage to hedges, laws, trees, shrubs ad plats that you ow, which are outside the buildigs but withi the boudaries of the property caused by: Fire, smoke, lightig, explosio, earthquake, storm, flood, theft or attempted theft, water or oil as a result of a burst, leakig or overflowig fixed domestic drai, water or heatig istallatio, kitche appliace or pipig. Collisio or impact ivolvig: a vehicle, aircraft or other aerial device (or aythig fallig from them), or aimal; breakage or collapse of a televisio or radio aerial, a satellite dish, or their fittigs ad masts; ad fallig trees, braches, lamp posts, telegraph poles, electricity pylos poles or overhead cables. Subsidece or groud heave of the site if your home is damaged by the same cause at the same time. Malicious acts or vadalism, riot, civil commotio, strikes, labour or political disturbaces. Loss or damage to hedges, laws, trees, shrubs ad plats caused: by atural ageig, isect, vermi (other tha squirrels), rot, mildew, fugus or poisoig, frost, smoke or bofires; by domestic aimals, birds or pets; or from light or atmospheric or climatic coditios. 8. Visitors persoal belogigs Loss or damage to your visitors persoal belogigs whilst i your home. 9. Carers persoal belogigs Loss or damage to your carer s (who does ot live with you permaetly) Carers persoal belogigs which are covered by ay other isurace or whilst the property is uoccupied or ufurished. 20 Your policy i detail

21 We cover the followig We do ot cover the followig persoal belogigs whilst i your home. 10. Theft by bogus officials We will pay for the theft of persoal moey followig uforced etry ito your home by a bogus official. 11. Medical equipmet o loa Loss or damage withi Great Britai, Isle of Ma, Chael Islads, Norther Irelad ad Republic of Irelad to specialist medical equipmet (e.g. wheelchair) o loa from a UK-based hospital, local authority, the Red Cross or a relevat mobility shop. Theft of persoal moey by a bogus official where the loss has ot bee reported to the police withi 24 hours after discoverig the loss. Loss or damage to medical equipmet o loa where: writte proof of the policyholder s legal resposibility for the equipmet caot be provided; the medical equipmet o loa is covered by other isurace; it is a result of a malicious act or vadalism caused by you or ay persos lawfully i your home; or there has bee a mechaical ad/or electrical failure of medical equipmet. Ay loss or damage to medical equipmet i your home while your home or ay part of it is let, let, sublet or shared (uless there is forcible ad violet etry ito or exit from it) or if your home was ufurished or uoccupied at the time of loss or damage. 12. Religious festival icrease We will automatically icrease the cotets sum isured show i your Schedule by 20% durig the moth of ay religious festivals to cover gifts ad extra food ad drik you buy. 13. Weddig, civil partership, birthday ad aiversary icrease We will automatically icrease the cotets sum isured show o your Schedule by 20% for a moth before ad after your weddig or civil partership ceremoies, birthdays or aiversaries. Your policy i detail 21

22 We cover the followig We do ot cover the followig 14. Deeds ad documets We will pay to replace deeds ad documets followig loss or damage covered uder this policy while they are i your home. 15. Studet cover Loss or damage to your cotets whe they are temporarily i Halls of Residece or other term-time studet accommodatio where you are studyig, icludig whilst beig trasferred to or from your home, caused by: fire, smoke, explosio, lightig or earthquake; riot, civil commotio, strike, labour or political disturbace; malicious acts or vadalism; beig hit by aircraft, flyig objects or aythig fallig from them, vehicles, aimals, fallig trees, braches, or aerials, satellite dishes, masts ad their fittigs; storm or flood; subsidece or groud heave of the site o which your studet accommodatio stads, or ladslip; water or oil that has leaked from ay fixed domestic water or heatig istallatio, appliace, pipig or drai; or theft or attempted theft. 16. New home Loss or damage i your ew home to furiture, soft furishigs ad freestadig kitche appliaces for seve days prior to movig ito your ew home. Loss or damage: to pedal cycles; to persoal moey ad credit cards; caused by theft or attempted theft uless someoe uses force ad violece to go ito or leave your studet accommodatio. Loss or damage i your ew home: to furiture, soft furishigs ad free-stadig kitche appliaces; caused by water which has leaked or overflowed from ay fixed domestic drai, water or heatig istallatio or pipig whe your ew home is ot lived i durig the seve days prior to your movig i date, uless you have arraged to tur off the gas ad water at the mais ad drai the water system, or you have arraged to leave a cetral heatig system 22 Your policy i detail

23 We cover the followig We do ot cover the followig workig to prevet freezig, i which case the temperature cotrol must be set to at least 58 degrees Fahreheit (14 degrees Cetigrade) at all times durig the period 1 October to 31 March iclusive; occurrig more tha seve days prior to your movig i date. 17. Jury service For each day that you serve as a juror i a court of law we will pay you a amout per day. 18. Trauma cover Followig a violet crime committed agaist you by a third party at your home, we will pay for; professioal cousellig fees; temporary accommodatio up to a maximum of seve days after the evet or to carry out agreed improvemets to physical security at the home; ad ecessary coveyacig, removal ad estate agecy fees if, withi 90 days of the evet, you feel compelled to move house ad had ot already plaed to do so. A reward for iformatio, which leads to the arrest ad covictio of the perso(s) crimially resposible for theft, attempted theft or violece agaist you i the home. Necessary alteratios to the home if you are permaetly disabled as a result of a accidet i the home durig the period of isurace as idicated i your policy Schedule. Your policy i detail 23

24 We cover the followig We do ot cover the followig 19. Fatal ijury Fatal ijury to you i your home as a direct result of fire, explosio, lightig or itruders where death occurs withi twelve moths of such ijury. 20. Liability to others Your legal liability as a private idividual followig accidetal death, bodily ijury, illess or disease to ay perso ad loss or damage to property. If you die, we will cover your legal persoal represetatives i respect of your legal liability. This icludes ay claimat costs ad expeses arisig from ay oe accidet. We will also pay defece costs ad expeses, which we agree to i writig. Your legal liability arisig from: ay busiess or employmet ivolvig you; ay deliberate act; ay cotract or agreemet uless you would have bee liable ayway if that cotract or agreemet did ot exist; owig, possessig or usig ay of the followig: motorised vehicles; caravas; watercraft (other tha surfboards, widsurfs ad models or toys); aircraft (other tha models or toys); the owership of your home ad ay other buildigs or lad; accidetal death, bodily ijury, illess or disease to you; or owig or carig for ay dog referred to i or desigated uder Sectio 1 of the Dagerous Dogs Act 1991 or the Dagerous Dogs (Norther Irelad) Order 1991 SI 2292 (NI 21) or ay subsequet amedig legislatio. The policy therefore excludes the followig breeds: Pit Bull Terrier, Japaese Tosa, Dogo Argetio, Fila Brasileiro ad cross breeds of these with ay other breeds. 21. Liability as a teat Your legal liability for all amouts you have to pay as teat ad ot as ower of your buildigs uder a teacy agreemet for your buildigs followig ay loss or damage. 24 Your policy i detail

25 We cover the followig We do ot cover the followig 22. Liability for domestic employees Your legal liability for all amouts you have to pay as compesatio for causig accidetal death, physical ijury, disease or illess to ay perso i your domestic employmet withi Great Britai, Isle of Ma, Chael Islads or Norther Irelad. This icludes ay claimat costs ad expeses arisig from ay oe accidet. We will also pay defece costs ad expeses, which we agree to i writig. 23. Urecovered court awards Urecovered court awards where you have ot received full paymet withi three moths of the date of the award (o appeal pedig) ad where you would have bee covered for legal liability uder this policy had the award bee made agaist you. Your policy i detail 25

26 Persoal Belogigs Cover Uspecified items (For items worth less tha 1,000 each) This sectio is icluded with ay cotets oly or combied buildigs ad cotets policy. We cover the followig Loss or damage to your valuables ad persoal belogigs aywhere i the world. The most we will pay for ay oe item, pair or set is 1,000. The most we will pay i total for ay oe evet is the amout show i your Schedule. We do ot cover the followig The Geeral Exceptios show o page 44. The first 50 of each claim. Loss or damage to persoal belogigs cotaied i your studet accommodatio while away from your home for the purpose of attedig college, uiversity or boardig school. Loss or damage caused by: wear ad tear, mechaical or electrical fault, failure or breakdow; or ay process of dyeig, washig, cleaig, restorig, reproofig, adjustig, maitaiig, repairig or misuse. Loss or damage to: pedal cycles ad their accessories, campig equipmet, ay livig creature, cotact or coreal leses; furiture, household goods, food or property you ow or use at ay time for busiess, professioal or trade purposes; motorised vehicles, trailers, caravas, boats or ay accessories, keys or associated equipmet; car audio equipmet, audiovisual equipmet (other tha portable items icludig video cameras or camcorders); computer equipmet (other tha laptops, Persoal Digital Assistats ad their accessories) or disks; articles of chia or glass other tha spectacles, watch faces or camera leses; or persoal moey, credit cards, deeds ad documets. 26 Your policy i detail

27 Persoal Belogigs Cover Specified items (optioal cover) This sectio is a additioal cover optio available with ay cotets oly or combied buildigs ad cotets policy. Your Schedule shows if you are covered uder this sectio of the policy ad all items covered by this policy are listed uder the specified item sectio. We cover the followig We do ot cover the followig Loss or damage to specified items show i your Schedule aywhere i the world. The most we will pay for ay oe item is the value show agaist it i your Schedule. The Geeral Exceptios show o page 44. The first 50 of each claim. Loss or damage to specified items cotaied i your studet accommodatio while away from your home for the purpose of attedig college, uiversity or boardig school. Loss or damage caused by: wear ad tear, mechaical or electrical fault, failure or breakdow; or ay process of dyeig, washig, cleaig, restorig, reproofig, adjustig, maitaiig, repairig or misuse. Loss or damage to pedal cycles ad their accessories. Your policy i detail 27

28 Pedal Cycles Outside the Home Cover (optioal cover) This sectio is a additioal cover optio available with ay cotets oly or combied buildigs ad cotets policy. Your Schedule shows if you are covered uder this sectio of the policy ad all pedal cycles covered are listed uder the specified item sectio. We cover the followig We do ot cover the followig Loss or damage to your pedal cycles, icludig their accessories, show i your Schedule while aywhere i the Uited Kigdom, Chael Islads or Isle of Ma. The most we will pay for ay oe pedal cycle ad its accessories is the value show agaist it i your Schedule. The Geeral Exceptios show o page 44. The first 50 of each claim. Ay claim outside the Uited Kigdom, Chael Islads or Isle of Ma uless we specifically agree beforehad to provide cover ad you pay ay extra premium we require. Loss or damage to pedal cycles cotaied i your studet accommodatio while away from your home for the purpose of attedig college, uiversity or boardig school. Motorised pedal cycles. Pedal cycles used for or i practice for racig, pacemakig or testig. Theft or attempted theft of uatteded pedal cycles you leave i a public place, uless the pedal cycle is securely locked to a permaetly-fixed structure by a chai ad padlock or similar lockig device. Cuts to tyres or burst tyres. Loss or damage caused by: aythig which happes gradually such as damage caused by vermi (other tha squirrels), frost, climatic ad atmospheric coditios, light, rustig or corrosio; scratchig or detig; mechaical or electrical fault, failure or breakdow; or ay process of washig, cleaig, restorig, reproofig, adjustig, maitaiig, repairig or misuse. 28 Your policy i detail

29 Garde Cover (optioal cover) This sectio is a additioal cover optio available with ay cotets oly or combied buildigs ad cotets policy. Your Schedule shows if you are covered uder this sectio of the policy. We cover the followig We do ot cover the followig Loss or damage to: plats (icludig shrubs, trees, vegetables ad hedges); turf ad laws; rockeries; pods ad accessories; walls, patios, feces, gates, beehives, cold frames, sheds, greehouses, trellis work, gazebos, pergolas, bird tables ad dovecotes; garde tools ad equipmet; garde furiture ad barbecues; oramets (icludig statues, urs, bird-baths ad gomes); greehouse accessories; all withi the boudaries of the lad belogig to your home ad caused by: theft or attempted theft; fire, smoke, explosio, lightig or earthquake; storm or flood; malicious persos or vadals; wild aimals; accidetal damage; failure of the heatig system i the greehouse; fallig trees or braches; or fallig masory, aerials, satellite dishes, masts or their fittigs. Professioal garde-desig fees ad expeses icurred to retur your garde to its coditio prior to the damage by ay of the causes listed above. The most we will pay for ay oe claim is 2,500. Loss or damage to cotets withi the boudaries of your home, as show i the Cotets sectio, is icreased up to a maximum of 2,000 for ay oe claim. The Geeral Exceptios show o page 44. The first 50 of each claim. Storm damage to feces uless your home is damaged at the same time ad by the same cause. Damage caused by frost, drought, isects ad their larvae, slugs ad sails, rot, mildew ad plat diseases. Ride-o mowers ad their accessories. Ay amout exceedig 1,500 for loss or damage. Ay amout exceedig 2,500 for professioal garde-desig fees ad expeses. Your policy i detail 29

30 Legal Expeses Cover (optioal cover) This Legal Expeses Cover is uderwritte by Acromas Isurace Compay Limited. It is a additioal cover optio available with ay cotets oly, buildigs oly or combied buildigs ad cotets policy. Your Schedule shows if you are covered uder this sectio of the policy. The coditios ad exclusios which apply to this sectio are show o pages 34 to 39. The Geeral Exceptios o page 44 ad the Geeral Coditios o page 45 apply to the whole policy ad should be read i cojuctio with this sectio. Glossary of terms We have defied certai words ad phrases that apply specifically to the Legal Expeses Cover policy. They have the meaigs show ext to them wherever they appear throughout this sectio ad to help you idetify these words we have prited them i bold type. Appoited represetative A solicitor, lawyer or appropriately qualified perso, firm or compay, icludig us, istructed i accordace with Legal Expeses Cover Coditio 2. Represetatio. Date of icidet The date of the evet; or the date of the first evet where there is more tha oe evet arisig from the same cause; or the date o which the cause of actio arises where this relates to the purchase of your home or your secod home; which may lead to a claim uder this policy. Disbursemets Moey spet by the appoited represetative to maage your claim, but ot icludig the appoited represetative s ow fees. Home The house, bugalow, flat or maisoette, icludig domestic garages ad outbuildigs belogig to the home, show i your Schedule. Iquiry Legal claim A iquest held i a Coroer s Court or Fatal Accidet Equiry ito your death; a police ivestigatio ito a allegatio made about you which may lead to you beig prosecuted i a magistrates court or Crow Court or their Scottish equivalets; civil actio beig take agaist you uder Sectio 13 of the Data Protectio Act 1998; or civil actio beig take agaist you for ulawful discrimiatio. Preparig work for egotiatig or defedig your legal rights i a civil court, tribual or arbitratio i the territory, icludig egotiatig a settlemet ad ay hearigs. We also iclude appeals from these hearigs if you tell us you wat to appeal at least six workig days before the deadlie for givig otice of appeal eds ad we cosider the appeal to have reasoable prospects. 30 Your policy i detail

31 Legal costs Legal proceedigs All properly icurred ad proportioate disbursemets, fees ad expeses, charged by the appoited represetative, or icurred uder ay fixed recoverable costs scheme. Ay oppoet s costs which you have bee ordered to pay by a court or other body, or we have authorised. You are ot covered for ay damages, fies or pealties you have to pay. Actio to be take i a court or tribual whe efforts to settle your claim by way of egotiatio have failed. The perso(s) amed i your Schedule. Your home, your secod home ad the lad withi their boudaries, for which you are legally resposible. Where we cosider there is a 51% ad above chace of succeedig with your claim ad eforcig ay award ad that it would be reasoable to advise ay private payig cliet i the same circumstaces to pursue the claim. Saga Services Limited. The documet, which provides a record of your isurace. Your Schedule is part of this policy ad must be read i cojuctio with the policy. A house, bugalow, flat or maisoette, icludig the domestic garages ad outbuildigs belogig to this home, used for domestic purposes ad owed by you; isured by Saga Services Limited ad occupied by you o a regular basis. Territory Vehicle We, our, us You, Your Gibraltar ad the Uited Kigdom meaig Eglad, Wales, Scotlad, Norther Irelad, the Isle of Ma ad the Chael Islads. Ay mechaically propelled motor vehicle (icludig scooters), aircraft or vessel. Acromas Isurace Compay Limited. The policyholder ad their spouse/domestic parter ad ay other relative, (icludig adopted ad foster childre), who permaetly live i your home. Policyholder Property Reasoable prospects Saga Schedule Secod home Your policy i detail 31

32 We cover the followig Legal Expeses Cover Access to a 24-hour legal helplie which provides iitial advice o ay persoal legal matter. Up to 100,000 (icludig VAT) of legal costs for ay oe claim or series of claims arisig from the date of icidet. 1. Death, persoal ijury ad medical egligece Legal costs for you, or i the evet of your death for your persoal legal represetatives, for pursuig a legal claim that arises from a evet, which causes death or bodily ijury to you. 2. Cotract disputes Legal costs for defedig or pursuig a legal claim arisig from a dispute over: you buyig, hirig or leasig ay persoal goods or services; you sellig ay persoal goods; or you buyig or sellig your property. We do ot cover the followig Where the amout i dispute is less tha 100. More tha 100,000 (icludig VAT) of legal costs for all claims that arise from the same date of icidet. Legal costs where reasoable prospects do ot exist. Ay claim relatig to: illess or ijury ot caused by a sudde or specific accidet or that happes gradually; or defece of your legal rights, other tha defece of a couter-claim. Ay claim relatig to: work ad/or advice by a builder or cotractor give to you about the specificatio, desig, plaig, buildig or structural chage i or o your property where the cotract value is over 20,000 icludig VAT; ay disputes relatig to buildigs or lad that is ot your property; subsidece, groud heave or ladslip, miig or quarryig; ay loa, borrowig, stocks, shares, debetures, fuds, pesios, mortgages, trusts of ay kid or other ivestmets; disputes about shareholdig or parterships; disputes betwee a ladlord ad a teat; or a cotract etered ito by or o behalf of you buyig, sellig or retig o domesticated aimals ad livestock. 32 Your policy i detail

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