Saga Home Insurance Your Policy Booklet

Size: px
Start display at page:

Download "Saga Home Insurance Your Policy Booklet"

Transcription

1 Saga Home Insurance Your Policy Booklet

2 Contents Page About your home insurance policy 4 Glossary of terms 6 Buildings Essential cover 8 Buildings Essential Plus option 13 Contents Essential cover 14 Contents Essential Plus option 25 Personal Belongings Inside and Outside the Home Cover Personal Belongings - Unspecified Items 27 Personal Belongings - Specified Items 28 Pedal Cycles Outside the Home Cover 30 Garden Cover 31 Contents Page Legal Expenses Cover 33 How to make a claim and how much we will pay 44 How to make a claim - General Conditions 45 How much we will pay - Buildings 46 How much we will pay - Contents 46 How much we will pay - Optional cover 47 General Exceptions 48 General Conditions 50 Help and advice from Saga 51 Protecting your property 52 Combating fraud 53 Certain words, as detailed on pages 6 and 7, have specific meanings in relation to your policy. To help you identify these we have printed them in bold throughout your policy details. Saga Services Limited has arranged for Saga Home Insurance to be insured by the insurer(s) named on your Schedule, with the exception of Legal Expenses Cover, which is underwritten by Acromas Insurance Company Limited Line Wall Road, Gibraltar. Registered Number (Gibraltar). Acromas Insurance Company Limited is authorised by the Financial Services Commission, Gibraltar. Acromas Insurance Company Limited is a member of the Association of British Insurers. These details can be checked on the FCA s register by visiting the FCA s website at or by calling

3 Welcome to Saga Home Insurance. We always aim to provide high levels of care and service for our customers, so we have designed this policy with your needs in mind. Please read your policy documents, together with your policy Schedule and any endorsements, to make sure that the cover you have chosen is the most appropriate for you. Please note that some cover detailed in this booklet is optional and may not be automatically included in your chosen buildings or contents policy. If you are interested in any extra cover, we will be happy to give you a quote. I trust that you will find this policy, together with the special Saga helpline services explained on page 51 of this booklet, gives you the level of protection you want for your home. If you need to make a claim on the policy, you can find details of how to do so in the Information for customers section in your Schedule. Roger Ramsden Chief Executive 3

4 About your home insurance policy The words shown in bold print are defined on pages 6 and 7. The contract of insurance between you and us is made up of this Policy Booklet, your Schedule, and any endorsements shown on your Schedule. We have prepared this policy based on the information that you have given us about yourself, your household and your property. Please let us know as soon as reasonably possible about any changes that affect what you have told us. If you do not tell us, your right to claim may be affected. You should read this Policy Booklet together with your Schedule. Please check them carefully to make sure that they give you the cover you want. If you are unable to comply with any of the policy terms including the endorsements shown on your Schedule and the General Conditions please contact Saga as any failure may result in a claim being rejected or the policy becoming invalid. You agree to pay the premium and to keep to the conditions of the contract of insurance. If you arrange to pay by instalments and do not keep up your payments, you will not be covered by this policy from the date the premium was due. We agree to insure you according to the terms in this Policy Booklet for the sections shown in your Schedule. We will provide cover for any period of insurance for which we have accepted your premium. Unless we have agreed otherwise, this contract will be governed by English Law, and all information and terms regarding this contract are provided in the English language only. Customer service Saga aims to provide you with high levels of service at all times. However, there may be times when you feel that our service has fallen below the standard you expect. If this is the case and you want to complain, we will do our best to try to resolve the situation. If you have a query or a complaint please refer to your Schedule which shows both contact telephone numbers and our address details if you prefer to write to us. If you need to claim Check your Policy Booklet and your Schedule carefully to make sure that the loss or damage is covered under this insurance. Phone the number shown in the Information for customers section of your Schedule as soon as possible to report the loss or damage. We will tell you how to proceed with your claim. You must give the policy number shown on your Schedule each time you write to or phone us. If you are asked to complete a claim form, please fill it in and return it as soon as possible to the address shown on the claim form. You should also enclose any other information you have been asked to provide. (We will not pay for this information unless agreed by us in writing.) Please also read How to make a claim General Conditions on page 45. Renewal process You will be sent a renewal invitation 21 days before your renewal date, which will include details of your premium for the next year. If you pay by Direct Debit, continuous authority credit card or continuous authority debit card Saga will renew your policy each year using the payment details you have given us unless you notify us that you do not want to renew or that you want to renew using a different payment method, in which case if you pay by Direct Debit you will need to cancel your Direct Debit mandate with the bank. Future changes of insurer(s) Your Saga Home Insurance policy is currently provided and insured by the insurer(s) noted on your Schedule as part of an agreement between Saga Services Limited and the insurer(s). At some time in the future Saga may enter into an arrangement with a new provider for all or part of your policy in which case this new provider will offer you new cover to replace your current policy. If this is the case, we will write to you to confirm the details of the new provider, and give you details of any changes to the Terms and Conditions of your policy. You hereby authorise Saga to transfer any personal data to the new provider, and you consent to the new provider being able to offer cover to you. If at any time you wish to withdraw your agreement to this, please let us know by calling Inflation protection - index-linking Index-linking is a monthly adjustment to the sum insured shown on your Schedule. We do not make a charge for index-linking during the period of insurance but each 4

5 time you renew your policy, we will work out your premium again on the new sum insured. Buildings If you have specified your buildings sum insured we will index-link the sum insured shown on your Schedule. We use the House Rebuilding Cost Index prepared by the Royal Institution of Chartered Surveyors or another appropriate index. We do not apply index-linking to our standard limit. Contents If you have specified your contents sum insured we will index-link the sum insured shown on your Schedule. We use the Retail Price Index or another appropriate index. We do not apply index-linking to our standard limits. For your specified items included in the optional Personal Belongings Inside and Outside the Home Cover, we will index-link the sum insured shown on your Schedule, using the Retail Price Index or another appropriate index. Important - Personal information The information you have given us will be held and used to manage your insurance policy and this will include both underwriting and claim handling. For this purpose we may disclose it to other interested third parties - for example, other insurers, regulatory authorities and agents who provide services on our behalf. By accepting this policy you consent to our processing personal data including sensitive data about you and other persons who may be insured under the policy. You understand that all personal data you give to us must be accurate and that you must have the specific consent of those other persons to disclose their personal data. If you contact us electronically, we may store your Internet Protocol (IP) address or your telephone number supplied by your service provider. Insurers pass information to the Claims and Underwriting Exchange Register (CUE), run by Insurance Database Services Ltd. We may search this register as this helps us to check information provided and to prevent fraudulent claims. We may also undertake credit searches and additional fraud searches. Under the conditions of your policy you must tell us about any incident (such as a fire, water damage or theft) which may or may not give rise to a claim. When you tell us about an incident we will pass information relating to it to the register. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and financial crime. Further details explaining how the information held by the fraud prevention agencies may be used can be obtained under the fair processing notices provided in the combating fraud section of this Policy Booklet. We will ensure that any personal data you provide will be held securely and in accordance with the Data Protection Act Sometimes data may be transferred outside the European Economic Area to a third party provider of goods or services that you have requested and which operates outside of that jurisdiction. Any such data will be held securely and to similar standards as required under the Data Protection Act Your calls may be monitored and recorded in order that the service may be improved and to help prevent and detect fraud. We may check information provided or received and we may also undertake additional fraud searches. To assess your insurance application and the terms on which cover may be offered, we may obtain information about you from credit reference agencies to check your credit status and identity. We may use this information to assess which payment options we can offer you. The agency will record our enquiry but this will not affect your credit rating. Your data may be disclosed to regulatory bodies for the purposes of monitoring and/or enforcing compliance with any regulatory rules/codes. It may also be used for marketing, offering renewals, research and statistical purposes and crime prevention. By providing us with your personal data and contact details, you consent to the Saga and Acromas groups of companies and their partners using it to contact you by post, telephone, , SMS or other electronic means, to inform you about any products and services which they consider may be of interest to you. However, you can contact the Saga Data Protection Officer in writing at any time to suppress contact for some or all Saga products. In the case of personal data, with limited exceptions, you have the right to access and if necessary rectify information held about you by formal written application to Saga s Group Data Protection Officer at Enbrook Park, Sandgate, Folkestone, Kent CT20 3SE. 5

6 Glossary of terms Certain words have the following specific meanings wherever they appear in this policy (except the Legal Expenses Cover section) or your Schedule. To help you identify these we have printed them in bold throughout the policy. Accidental damage Unexpected and unintended damage caused by sudden and external means. Administration The amount shown in your documents as an administration fee, fee relating to the amount Saga may charge from time to time for administering your insurance policy. Associated costs The cost of clearing a site, demolition, shoring up or propping up the buildings to carry out repairs. Bedroom A room used as a bedroom or originally intended to be used as a bedroom but now used for other purposes. Bogus officials Anyone falsely claiming to be a representative from an organisation, company or governing body, in order to gain unforced access into your home. Buildings Your home and its permanent fixtures and fittings, boundary and garden walls, gates, hedges, fences, paths, terraces, drives, patios, permanently-built swimming or ornamental pools and their covers, tennis courts, cables, underground pipes and inspection covers, septic tanks and central-heating gas or oil tanks all forming part of the property for which you are legally responsible. These must all be at the address shown in your Schedule. Business Office equipment, furniture and stock (not held for sale). equipment Contents 1. Household goods, including tenant s interior decorations, valuables, personal belongings. 2. Pedal cycles while in the home. 3. Fixtures and fittings which belong to you as tenant of your home. 4. Satellite dishes, radio and television aerials, fittings and masts fixed to your home. 5. Personal money. 6. Credit cards. Contents are only covered if: a) they belong to you; b) you are responsible for them under a hiring or legal agreement; or c) you are legally liable for them. The following are not included as contents: a) Motorised vehicles and their trailers, trailer tents, or their accessories and parts. b) Caravans, horse boxes, or their accessories and parts. c) Aircraft and hovercraft, or their accessories and parts. d) Boats (unless models or hand propelled), boards and any other watercraft designed to be used in or on water, or their accessories and parts. e) Any living creature. f) Business equipment. Credit cards Bank, charge, cheque guarantee, credit, debit and cash dispenser cards you hold for personal purposes. Endorsements An extension or restriction to your policy. Endorsements only apply if they appear in your Schedule. Excess The first part of any claim which you must pay. We show the excess amounts in your Schedule. Fixtures and fittings Built-in furniture, built-in kitchen appliances, fixed glass and sanitary ware, solar panels, pipes, ducts, wires, cables, switches, fires, boilers, radiators, storage heaters, fixed wall, floor and ceiling coverings other than carpets. Ground heave The upward or sideways movement of the site on which your buildings are situated caused by the swelling of the ground. 6

7 Home Insurer(s) Kitchen appliances Landslip Motorised vehicles Personal belongings Personal money The house, bungalow, flat or maisonette shown in your Schedule. Domestic garages belonging to the property. Outbuildings if they form part of the property. The insurer(s) shown in your Schedule. Dishwasher, washing machine, washer dryer, tumble dryer, cooker/ oven/hob/hood, microwave, fridge, freezer or fridge freezer which you own. Sudden movement of soil on a slope or gradual creep of a slope over a period of time. Any electrically or mechanically powered vehicles other than: n vehicles used as domestic gardening equipment within the boundaries of the land belonging to your home; n vehicles designed to help infirm or disabled people (as long as the vehicles are not registered for road use); n golf carts and trolleys; and n pedestrian-controlled toys and models. Clothing (including items of leather and sheepskin) and personal items including sports equipment (other than those excluded under contents) designed to be worn or carried. This does not include: n valuables or personal money; n pedal cycles; and n camping equipment or trailer tents. Cash, current bank and currency notes, cheques, postal and money orders, bankers drafts, premium bonds, savings stamps and certificates, unused current postage stamps, travellers cheques, travel tickets, season tickets, luncheon vouchers, gift tokens, phone cards and trading stamps including television licence, gas, electricity and phone stamps you hold for personal purposes. Personal money does not include: n lottery and raffle tickets; n air miles vouchers and cards; n promotional vouchers and cards; or n credit cards. Policyholder The person(s) named in your Schedule. Property The buildings and the land within its boundary. Saga Saga Services Limited. Schedule The document showing details of the policyholder and the insurance protection provided. Your Schedule is part of this policy and must be read in conjunction with the policy. Settlement The natural movement of new properties in the months and years after they are built. Subsidence Downward movement of the site on which the buildings are situated by a cause other than the weight of the buildings themselves. Sum insured The amount shown in your Schedule as the most we will pay for any number of claims from the same event. Unfurnished When your home is not sufficiently furnished for normal living purposes for more than 60 days in a row. Unoccupied When your home has not been lived in by you, or a person authorised by you, for more than 60 days in a row. Valuables Jewellery, watches, clocks, furs, articles made of gold, silver and other precious metals, precious stones, pictures, works of art and collections of stamps, coins and medals which you own or are in your possession. We, our, us The insurer(s) shown in your Schedule. You, your The person or people shown in the Schedule as the policyholder and your husband, wife or partner, children (including children of your husband, wife or partner and adopted and foster children) and any other person, who permanently live with you in your home. This does not include lodgers and other guests. 7

8 Buildings Essential cover Your Schedule shows if you are covered under this section of the policy and the sum insured. We cover the following We do not cover the following Your buildings The General Exceptions shown on page 48. The excess shown in your Schedule. Fees which you incur: - for preparing your claim; or - without our permission. You are insured against loss or damage to your buildings by the following causes: 1. Fire, smoke, lightning, explosion, earthquake, storm, flood, and smudging as a result of fixed oil-fired central heating. 2. Theft or attempted theft. 3. Escape of water (water damage) as a result of a burst, leaking or overflowing fixed domestic drain, water or heating installation, kitchen appliance or fixed domestic water piping/pipes. This includes damage to any fixed domestic water installation caused by freezing or bursting. 4. Damage caused by oil as a result of a leak from a heating installation or fixed domestic oil piping/pipes. 5. Trace and access. We will also pay up to 5,000 in total for the costs we have agreed to in advance, for locating the source of the water or oil damage including the reinstatement of any wall, flooring or ceiling removed or damaged during the search. You are not insured against loss or damage in the following circumstances: Caused by storm or flood to gates, hedges or fences. If your home was unfurnished or unoccupied at the time of the loss or damage. If your home was unfurnished or unoccupied at the time of the loss or damage. Caused by subsidence, ground heave, settlement or landslip. If your home was unfurnished or unoccupied at the time of the loss or damage. Caused by subsidence, ground heave, settlement or landslip. If your home was unfurnished or unoccupied at the time of the loss or damage. Caused by subsidence, ground heave, settlement or landslip. 8

9 You are insured against loss or damage to your buildings by the following causes: 6. Collision or impact involving: n a vehicle, aircraft or other aerial device (or anything falling from them), or animal; and n breakage or collapse of a television or radio aerial, a satellite dish, or their fittings and masts. 7. Falling trees, branches, lamp posts, telegraph poles, electricity pylons, poles or overhead cables. This includes the cost of removing the object which has caused the loss or damage. 8. Subsidence or ground heave of the site on which the buildings stands, or landslip. 9. Malicious acts or vandalism. You are not insured against loss or damage in the following circumstances: Caused by your pets. Caused by lopping, topping or felling of trees on your property. Loss or damage to boundary and garden walls, gates, hedges, fences, paths, terraces, drives, patios, permanently-built swimming or ornamental pools and their covers and tennis courts unless your home is damaged by the same cause at the same time. Caused by: n coastal or riverbank erosion; n demolition, structural alterations or structural repairs; n faulty design; n foundations which did not meet buildings regulations at the time of construction; n any loss or damage where compensation is provided by contract or legislation; n settlement; n damage to solid floor slabs or damage resulting from their movement unless the foundations under the outside walls of your home are damaged at the same time by the same cause; or n damage to the buildings caused by the action of chemicals or by the reaction of chemicals with any materials which form part of the buildings. If your home was left unfurnished or unoccupied at the time of the loss or damage. Caused by you, or any persons lawfully in your home. 9

10 You are insured against loss or damage to your buildings by the following causes: 10. Riot, civil commotion, strikes, labour or political disturbances. You are not insured against loss or damage in the following circumstances: 11. Accidental damage for which you are legally responsible to cables, underground pipes or underground tanks servicing the property. 12. Accidental breakage of: n f ixed glass in windows, doors, solar panels, fanlights and skylights in your buildings; n mirrors in permanent fixtures and fittings; n sanitary fixtures in your home; or n ceramic hobs in fixed appliances. Caused: n by scratching n if your home was left unfurnished or unoccupied at the time of the loss or damage. 13. Emergency Entry Loss or damage to your home caused by forced entry due to a medical emergency involving you. We also provide the following additional benefits: 14. After loss or damage insured by this section: n associated costs that we agree to in advance; n architect s, surveyor s, consulting engineer s, legal and other fees you have to pay to reinstate the buildings; and n any extra costs you have to pay when reinstating or repairing the buildings to comply with Statutory Building Regulations or Municipal or Local Authority Bye-Laws or EC legislation unless you were given notice of the requirement before the loss or damage took place. Fees that you incur and we have not agreed to in advance. 10

11 You are insured against loss or damage to your buildings by the following causes: You are not insured against loss or damage in the following circumstances: 15. If your home cannot be lived in because of causes 1 to 12 (see pages 8 to 10) the most we will pay for any one claim is 20% of the buildings sum insured shown in your Schedule, for costs we agree to in advance, to cover: n the cost of your alternative accommodation (which is of a similar size and standard to your home) and that of your domestic pets; n any rent that you would have received; n rent you still have to pay including up to two years ground rent. 16. Compulsory Evacuation rent and other accommodation: We will pay this when your home cannot be lived in because you are prevented from doing so by a responsible authority: n following damage to a neighbouring property; or n because of a risk to your health and safety from something external to your home. We will pay the additional costs that we agree to in advance, incurred for a maximum period of 30 days for: n rent you are responsible for paying; and n the cost of your alternative accommodation (which is of a similar size and standard to your home) and that of your domestic pets. 17. If you sell the buildings insured by this policy we will continue to provide cover until the completion of the contract of sale, as long as: n this period is not more than 90 days from the date of exchanging contracts or, in Scotland, the date of conclusion of missives ; and n you have already taken out insurance on your new buildings. 11

12 You are insured against loss or damage to your buildings by the following causes: You are not insured against loss or damage in the following circumstances: 18. If you sell the buildings insured by this policy it will be covered for the benefit of the person who buys it until the completion of the contract of sale or conclusion of missives. This does not apply if the buyer has taken out other insurance. 19. Your legal liability as owner of the buildings: We will insure you for all amounts which you have legal liability to pay as owner but not occupier for accidents which happen in or around the property which result in: n physical injury to or illness of any person; or n loss of or damage to property. There is a limit of 2 million for all claims arising from any one accident plus costs and expenses which we agree to in writing. Your legal liability for buildings you have owned in the past: We will insure your legal liability under Section 3 of the Defective Premises Act 1972 or Section 5 of the Defective Premises (Northern Ireland) Order 1975 as the past owner of any buildings which you lived in at the time of sale or disposal for incidents which happened in or around that buildings and which resulted in: n physical injury to or illness of any person other than your employees; or n loss of or damage to property. This insurance will continue for seven years from the date this policy ends. But it will not apply if your liability is covered under more recently effected or current insurance. There is a limit of 2 million for all claims arising from any one accident plus costs and expenses which we agree to in writing. Liability for: n loss of or damage to property which belongs to or is in the care of you or anyone you employ; or n physical injury to or illness suffered by you or your employees. Liability caused by occupation of any land, buildings or the buildings. Liability as a result of: n your trade, profession or employment other than as owner of the buildings; or n any agreement or contract, unless you would have been liable anyway. Important - liability information Please note that this buildings cover will not cover your legal liability as the occupier of the home or its land. To protect yourself, you will need contents cover that provides occupier s liability. 12

13 OPTIONAL COVER Optional extra covers to your buildings insurance Your Schedule will show whether the following optional extra covers have been added to your policy. This cover is in addition to that outlined on pages 8 to 11. Buildings Essential Plus option Your Schedule will show your cover option as Essential Plus if you are covered under this section of the policy. We cover the following We do not cover the following Your buildings The General Exceptions shown on page 48. The excess shown in your Schedule. You are insured against loss or damage to your buildings by the following causes: 1. Any other accidental loss or accidental damage. Fees which you incur: n for preparing your claim; or n without our permission. You are not insured against loss or damage in the following circumstances: Loss or damage caused by: n wear and tear; n insects, parasites or vermin (other than squirrels); n fungus or mildew; n atmospheric or climatic conditions, frost or the action of light; n alterations, repairs, maintenance, restoration, dismantling or renovating; n any process of cleaning, drying, dyeing, heating or washing; n chewing, scratching, tearing or fouling by pets; n faulty design or workmanship or using faulty materials; n mechanical or electrical breakdowns or failure; n demolition, structural alterations or structural repairs; or n loss or damage caused by settlement. Loss or damage while any part of your home is lent, let, sublet or shared. Loss or damage shown as not insured under paragraphs 1 to 12 (see pages 8 to 10). 13

14 Contents Essential cover Your Schedule shows if you are covered under this section of the policy and the sum insured. The value of any personal belongings and valuables listed specifically on your Schedule will be index linked. Your contents We cover the following Up to 20% of the contents sum insured for any one claim in respect of costs we have agreed to in advance for your alternative accommodation (which is of a similar size and standard to your home) or that of your domestic pets and cost of temporary storage of the contents if your home cannot be lived in as a result of loss or damage insured by this section of the policy. Where they are insured: In your home. While stored in a bank safe deposit or in the strong room of a bank or solicitor s offices. We do not cover the following The General Exceptions shown on page 48. The excess shown in your Schedule. Any amount above the limit shown on your Schedule for a single item, collection or set of valuables or personal belongings unless specified on your Schedule. Financial securities, certificates or documents of any kind, unless they are stored in a bank safe deposit or in the strong room of a bank or solicitor s offices. Shortages of personal money due to errors and/or omissions. You are insured against loss or damage to your contents by the following causes: You are not insured against loss or damage in the following circumstances: 1. Fire, smoke, lightning, explosion, earthquake, storm, flood, and smudging as a result of fixed oil-fired central heating. 2. Theft or attempted theft. The most we will pay for any one claim for loss or damage to contents contained in outbuildings at the property or your domestic garages is 3,000 in total. While your home or any part of it is lent, let, sublet or shared, unless there is forcible and violent entry into or exit from it. If your home was unfurnished or unoccupied at the time of the loss or damage. To valuables or personal money contained in a domestic garage or outbuilding. 14

15 You are insured against loss or damage to your contents by the following causes: 3. Escape of water (water damage) as a result of a burst, frozen, leaking or overflowing fixed domestic drain, water or heating installation, kitchen appliance or fixed domestic water piping/pipes. 4. Damage caused by oil as a result of a leak from a heating installation or fixed domestic oil piping/pipes. 5. A collision or impact involving: n a vehicle, aircraft or other aerial device (or anything falling from them), or animal; and n breakage or collapse of a television or radio aerial, satellite dish, or their fittings and masts. 6. Falling trees, branches, lamp posts or telegraph poles. This does not include the cost of removing the object which has caused the loss or damage. You are not insured against loss or damage in the following circumstances: If your home was unfurnished or unoccupied at the time of the loss or damage. If your home was unfurnished or unoccupied at the time of the loss or damage. Caused by your pets. Arising from felling, lopping or topping of trees. 7. Subsidence or ground heave of the site on which the buildings stand, or landslip. 8. Malicious acts or vandalism. If your home was unfurnished or unoccupied at the time of the loss or damage. Caused by you or any persons lawfully in your home. The erasure or distortion of information on computer equipment. 9. Riot, civil commotion, strikes, labour or political disturbances. 10. Accidental damage to: n domestic electrical or gas equipment or appliances such as televisions, which are not designed to be portable; n satellite dishes and aerials; To electrical or gas equipment designed to be portable. To laptops, netbooks and computer tablets. Caused by: n insects, parasites, or vermin (other than squirrels); n fungus or mildew; 15

16 You are insured against loss or damage to your contents by the following causes: n mirrors, plate glass tops to furniture and fixed glass in furniture; and n ceramic hobs or tops on free-standing cookers. We also provide the following additional benefits: 11. Personal money and Credit cards Financial loss anywhere in the world following the fraudulent use of any credit card. The card must be issued in Great Britain, Isle of Man, Channel Islands or Northern Ireland. The most we will pay for any one claim is 500. Your personal money anywhere in the world up to Deterioration of food Deterioration of food or drink in the freezer or fridge in your home as a result of: n the accidental failure of the freezing unit; You are not insured against loss or damage in the following circumstances: n atmospheric or climatic conditions, frost or the action of light; n alterations, repairs, maintenance, restoration, dismantling or renovating; n any process of cleaning, drying, dyeing, heating or washing; n chewing, scratching, tearing or fouling by pets; n faulty design or workmanship or using faulty materials; n mechanical or electrical breakdowns or failure; or n demolition, structural alterations or structural repairs to your buildings. If your home was unfurnished or unoccupied at the time of the loss or damage. The erasure or distortion of information on computer equipment. To: n films, records, audio or video tapes, computer or compact discs, or cassettes; and n hand-held electronic toys or games. The General Exceptions shown on page 48. Financial loss where: n the loss of the card has not been reported to the police and the card company within 24 hours after discovering the loss; n the card company s terms and conditions have been broken; n you have used the card fraudulently; n there has been unauthorised use by you or your family; or n there has been theft by bogus officials. Shortages of personal money due to errors and/or omissions. Caused by the deliberate act of the supply authority. If your home was unoccupied at the time of the loss or damage. 16

17 You are insured against loss or damage to your contents by the following causes: You are not insured against loss or damage in the following circumstances: n refrigerant fumes; n an accidental power failure. We will also pay the cost of hiring another freezer where we have agreed that this is necessary to try to lessen the claim. The most we will pay for any one claim is Lock replacement The cost of replacing and fitting new locks or lock mechanisms to external doors, windows, intruder alarms and safes installed in your home if the keys are lost or stolen anywhere in the world. The most we will pay for any one claim is Metered water or heating oil Loss of metered water or heating oil following accidental damage to the domestic water or heating installation in your home. The most we will pay for any one claim is 1, Contents in the open The contents are insured while they are outdoors but within the property against loss or damage as a result of causes in paragraphs 1 to 9 of this section (see pages 14 to 15). The most we will pay for any one claim is 1, Contents temporarily removed Loss or damage as a result of causes in paragraphs 1 to 9 of this section (see pages 14 to 15) while the contents are temporarily away from your home but within Great Britain, Isle of Man, Channel Islands, Northern Ireland, Republic of Ireland or continent of Europe. If your home was unfurnished or unoccupied at the time of the loss or damage. Caused by storm, flood or shown as not insured under paragraphs 1 to 9 of this section (see pages 14 to 15). To: n plants, trees, lawn or shrubs; or n valuables or personal money. Shown as not insured under paragraphs 1 to 9 of this section (see pages 14 to 15). Caused by theft unless it involves forcible and violent entry to or exit from a building, other than a building in which you are employed or temporarily living. Contents away from your home for sale or exhibition. 17

18 You are insured against loss or damage to your contents by the following causes: The most we will pay for any one claim is 5,000. But for loss or damage caused by theft or attempted theft to contents contained in a domestic garage or outbuilding, the most we will pay for any one claim is 1,000. You are not insured against loss or damage in the following circumstances: To pedal cycles. To valuables or personal money. To contents temporarily in Halls of Residence or other term-time student accommodation. To contents in a caravan, mobile home or motorhome, unless the caravan, mobile home or motorhome is within the property. 17. Visitors personal belongings Loss or damage as a result of causes in paragraphs 1 to 9 of this section (see pages 14 to 15) to personal belongings belonging to your visitors. The most we will pay for any one claim is 250 for any one visitor. 18. Carer s personal belongings Loss or damage as a result of causes in paragraphs 1 to 9 of this section (see pages 14 to 15) to personal belongings belonging to your carer (who does not live with you permanently) whilst in your home. The most we will pay for any one claim is 250 for any one carer. 19. Theft by bogus officials We will pay up to 250 for the theft of personal money following unforced entry into your home by a bogus official. 20. Medical equipment on loan Loss or damage within Great Britain, Isle of Man, Channel Islands, Northern Ireland and Republic of Ireland as a result of causes in paragraphs 1 to 9 of this section (see pages 14 to 15) to specialist medical equipment (e.g. wheelchair) on loan from a UK-based hospital, local authority, the Red Cross or a relevant mobility shop. The most we will pay for any one claim To personal belongings which: n are covered by other insurance; or n belong to a paying guest or lodger. To personal belongings which: n are covered by other insurance; or n are shown as not insured under paragraphs 1 to 9 of this section (see pages 14 to 15). Where the loss of personal money has not been reported to the police within 24 hours, after discovering the loss. Any item where written proof of the policyholder s legal responsibility for the equipment cannot be provided. When the medical equipment on loan is covered by other insurance. Caused by your pets. Any malicious acts or vandalism caused by you or any person lawfully in your home. 18

19 You are insured against loss or damage to your contents by the following causes: is 5,000. But for loss or damage caused by theft or attempted theft of medical equipment on loan contained in a domestic garage or outbuilding, the most we will pay for any one claim is 3,000. You are not insured against loss or damage in the following circumstances: When there has been a mechanical/electrical failure of medical equipment. If the loss or damage occurs within your home the following exclusions apply: n While your home or any part of it is lent, let, sublet or shared, unless there is forcible and violent entry into or exit from it. n If your home was unfurnished or unoccupied at the time of the loss or damage. 21. Religious festival increase We will increase the contents sum insured shown on your Schedule by 10% during the month of the following religious festivals to cover gifts and extra food and drink you buy: Buddhist - Wesak Christian - Christmas (Orthodox and Western) Hindu - Diwali Islamic - Eid ul-adha and Eid ul Fitr ( Id al-fitr) Jewish - Passover, Rosh Hashanah and Hanukkah Sikh - Vaisakhi (Baisakhi). 22. Wedding or civil partnership increase We will automatically increase the contents sum insured shown on your Schedule by 20% for a month before and after your wedding or civil partnership ceremonies. 23. Fatal accident We will pay 5,000 if the policyholder or their spouse/partner die within 60 days as a direct result of fire, theft or assault by an intruder in the buildings. The most we will pay for any one claim is 5, Household removal While in a furniture store for more than 14 days during the course of removal. 19

20 You are insured against loss or damage to your contents by the following causes: The contents are insured while they are being moved by a professional removal contractor to your new home anywhere in Great Britain, Isle of Man, Channel Islands or Northern Ireland. You are not insured against loss or damage in the following circumstances: Shown as not insured under causes 1 to 10 of this Section (see pages 14 to 16). 25. Home office We will pay up to 5,000 in total for loss or damage to business equipment within your home as a result of causes in paragraphs 1 to 10 of this section (see pages 14 to 16). The most we will pay for any one item is 2, Title deeds We will pay up to 250 to replace the title deeds of your property following loss or damage as a result of causes in paragraphs 1 to 9 of this section (see pages 14 to 15) while they are in your home. 27. Garden Cover We will pay up to 250 in total for loss or damage to hedges, lawns, trees, shrubs and plants that you own, which are outside the buildings but within the boundaries of the property, as a result of causes in paragraphs 1 to 9 of this section (see pages 14 to 15). 28. Your liability to others A. Your liability as occupier of the buildings: We will insure you for all amounts which you have legal liability to pay as Loss or damage not insured under causes 1 to 9 of this section (see pages 14 to 15) n caused by natural ageing; n to trees or shrubs, which is not caused by theft; n caused by domestic animals, birds or pets; n caused by frost; n caused by subsidence, landslip or ground heave unless your home is damaged by the same cause at the same time; n caused by smoke or bonfires; n from light or atmospheric or climatic conditions; n caused by insect, vermin (other than squirrels), rot, mildew, fungus or poisoning. 1. Liability for: n loss of or damage to property (other than temporary holiday accommodation) which belongs to or is in the care of you or anyone you 20

Saga Home Insurance Your Policy Booklet

Saga Home Insurance Your Policy Booklet Saga Home Insurance Your Policy Booklet Contents Page About your home insurance policy 4 Glossary of terms 6 Buildings Standard Accidental Damage cover 8 Buildings Extended Accidental Damage option 13

More information

Landlord s Household Insurance Policy Summary

Landlord s Household Insurance Policy Summary Landlord s Household Insurance Policy Summary This document is a guide to the cover provided under Your Landlords Household policy. It is only a summary and does not contain the full terms and conditions

More information

Broker Direct Home Options Policy Summary

Broker Direct Home Options Policy Summary Broker Direct Home Options Policy Summary This policy summary does not contain full details and conditions of your insurance these are contained in your policy documents. Where a heading in UPPERCASE letters

More information

Haven Home Insurance Policy Key Facts

Haven Home Insurance Policy Key Facts Haven Home Insurance Policy Key Facts Please note that this is a policy summary only and does not contain the full terms and conditions of the contract. Full terms and conditions can be found in the Policy

More information

This policy summary does not contain full details and conditions of your insurance you will find these in your policy wording.

This policy summary does not contain full details and conditions of your insurance you will find these in your policy wording. Summary of Cover This policy summary does not contain full details and conditions of your insurance you will find these in. Your home insurance policy is underwritten by AXA Insurance UK plc. Your Family

More information

Buildings Insurance. Summary of Cover

Buildings Insurance. Summary of Cover Buildings Insurance Summary of Cover Important you should read this Summary of cover Buildings Insurance This leaflet provides a summary of the significant features, benefits and limitations of the cover

More information

Home Insurance Policy. In association with

Home Insurance Policy. In association with Home Insurance Policy In association with Home Insurance Policy The following summary does not contain the full terms and conditions of the contract which can be found in the insuring document, a copy

More information

Holiday Home Insurance

Holiday Home Insurance Holiday Home Insurance Our holiday home insurance policy is designed to provide you with a wide range of standard cover when insuring the buildings and contents of your holiday home in the United Kingdom.

More information

Your summary of cover. Saga Home Insurance

Your summary of cover. Saga Home Insurance Your summary of cover Saga Home Insurance Your introduction to Saga Home Insurance Thank you for your interest in Saga Home Insurance. This guide gives you a summary of our buildings and contents policies

More information

Home Insurance. Our Policy is You

Home Insurance. Our Policy is You Home Insurance Our Policy is You 1 Contents Quick Guide to Home Insurance 2 Why Choose FBD Home Insurance? 4 What is Covered? Buildings 5 What is Covered? Contents 6 Liability Protection 7 Additional Standard

More information

HOME CHOICE INSURANCE POLICY SUMMARY

HOME CHOICE INSURANCE POLICY SUMMARY HOME CHOICE INSURANCE POLICY SUMMARY μ Home Choice Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions

More information

Your summary of cover. Saga Home Insurance

Your summary of cover. Saga Home Insurance Your summary of cover Saga Home Insurance Saga Home Insurance Thank you for your interest in Saga Home Insurance. This leaflet gives you a summary of our buildings and contents policies and the two cover

More information

HOME ADVANTAGE INSURANCE

HOME ADVANTAGE INSURANCE HOME ADVANTAGE INSURANCE Introduction Our Home Advantage insurance is designed to provide you with a wide range of cover when insuring the buildings and contents of your Home, personal possessions, valuables,

More information

Saga Landlord Insurance Your Policy Booklet

Saga Landlord Insurance Your Policy Booklet Saga Landlord Insurance Your Policy Booklet Contents All about Saga Landlord Insurance Welcome to Saga Landlord Insurance 3 Summary of limits 4 Some other information you need to know 5 Your policy in

More information

Plus. Policy booklet. Home Insurance Plus

Plus. Policy booklet. Home Insurance Plus Plus Plus Plus Policy booklet Home Insurance Plus Welcome to AA Insurance Services A warm welcome and thank you for arranging your home insurance with AA Insurance Services. Our aim is to combine value

More information

The policy documentation can also be made available to you in large print, audio or Braille on request via your broker or insurance intermediary.

The policy documentation can also be made available to you in large print, audio or Braille on request via your broker or insurance intermediary. For UK landlords insurance for policy wording reference: LET/0116/PW This Summary This KeyFacts summary does not contain the full terms and conditions of the contract which can be found in the insuring

More information

Countrywide Insurance Services. Home protection plan. Exclusive to Countrywide. Proud to be associated with. www.countrywideinsurance.co.

Countrywide Insurance Services. Home protection plan. Exclusive to Countrywide. Proud to be associated with. www.countrywideinsurance.co. Countrywide Insurance Services Home protection plan Exclusive to Countrywide Proud to be associated with www.countrywideinsurance.co.uk Information booklet Home protection plan information booklet Rebuilding

More information

Your policy summary Buy to Let

Your policy summary Buy to Let Buildings and contents insurance for landlords Your policy summary Buy to Let February 2014 edition Contents How much cover do I need? 3 Features and benefits 4 Policy summary 6 Features and benefits 7

More information

Residential Landlords Insurance. Policy Summary

Residential Landlords Insurance. Policy Summary Residential Landlords Insurance Policy Summary Amlin Residential Landlords Insurance policy summary This insurance is designed to provide you with a wide range of standard cover in connection with the

More information

Household Insurance. A Guide to our Household Policy

Household Insurance. A Guide to our Household Policy Household Insurance A Guide to our Household Policy Household Insurance A Guide to our Household Policy Introduction Insurance Corporation s household policy provides a wide range of essential protection

More information

Home Insurance AXA HomeSafe. Your policy summary

Home Insurance AXA HomeSafe. Your policy summary Home Insurance AXA HomeSafe Your policy summary Summary of cover This policy summary does not contain full details and conditions of your insurance you will find these in your policy wording. Your AXA

More information

Contents Policy Booklet. August 2014. Home Insurance

Contents Policy Booklet. August 2014. Home Insurance Contents Policy Booklet August 2014 Home Insurance WELCOME TO AA INSURANCE SERVICES A warm welcome and thank you for arranging your home insurance with AA Insurance Services. Our aim is to combine value

More information

Tenants Contents Insurance Policy Summary

Tenants Contents Insurance Policy Summary Tenants Insurance Policy Summary This is a summary and does not contain the full terms and conditions of the cover, which can be found in the Tenants Policy Wording version 0709. It is important that you

More information

Your home insurance policy Features and benefits HMP FAB 2014 05 V1.0. FBD Insurance plc is regulated by the Central Bank of Ireland

Your home insurance policy Features and benefits HMP FAB 2014 05 V1.0. FBD Insurance plc is regulated by the Central Bank of Ireland Your home insurance policy Features and benefits HMP FAB 2014 05 V1.0 FBD Insurance plc is regulated by the Central Bank of Ireland FBD has over 40 years insurance experience and today we are one of Ireland

More information

HOME CONTENTS INSURANCE

HOME CONTENTS INSURANCE HOME CONTENTS INSURANCE Low cost peace of mind Easy payment weekly or monthly with your rent No excess payment required if you claim Cover for most household items including TV, video, DVD players and

More information

Plus. Policy booklet. Home Insurance Plus

Plus. Policy booklet. Home Insurance Plus Plus Plus Plus Policy booklet Home Insurance Plus Welcome to AA Insurance Services A warm welcome and thank you for arranging your home insurance with AA Insurance Services. Our aim is to combine value

More information

Holiday Home Insurance

Holiday Home Insurance Holiday Home Insurance Our holiday home insurance policy is designed to provide you with a wide range of standard cover when insuring the buildings and contents of your holiday home in the United Kingdom.

More information

Home Insurance. Your policy summary AXA ABC

Home Insurance. Your policy summary AXA ABC Home Insurance Your policy summary AXA ABC February 2014 Policy summary This policy summary does not contain full details and conditions of your insurance these are located in your policy booklet. This

More information

Policy booklet. Contents Insurance

Policy booklet. Contents Insurance Policy booklet Contents Insurance WELCOME TO AA INSURANCE SERVICES A warm welcome and thank you for arranging your home insurance with AA Insurance Services. Our aim is to combine value for money with

More information

HOME INSURANCE. Your Home Solutions policy summary

HOME INSURANCE. Your Home Solutions policy summary HOME INSURANCE Your Home Solutions policy summary Home Solutions policy summary About your home insurance This is a summary of the cover available under the Home Solutions insurance policy and does not

More information

AXA Exclusive. Information leaflet Home Buildings and Contents Insurance

AXA Exclusive. Information leaflet Home Buildings and Contents Insurance AXA Exclusive Information leaflet Home Buildings and Contents Insurance February 2016 Contents Why choose AXA Exclusive 3 Features and benefits 3 Important information 7 How much cover do I need? 7 Limits

More information

Summary of Cover. Home Insurance

Summary of Cover. Home Insurance Summary of Cover Home Insurance Your introduction to Saga Home Insurance Thank you for your interest in Saga Home Insurance. This guide gives you a summary of our policies and the cover levels available.

More information

HOME INSURANCE HOME SOLUTIONS POLICY SUMMARY: THE IMPORTANT THINGS YOU NEED TO KNOW

HOME INSURANCE HOME SOLUTIONS POLICY SUMMARY: THE IMPORTANT THINGS YOU NEED TO KNOW HOME INSURANCE HOME SOLUTIONS POLICY SUMMARY: THE IMPORTANT THINGS YOU NEED TO KNOW Home insurance policy summary Home Solutions policy summary About your home insurance This is a summary of the Home Solutions

More information

Affordable Home Contents Insurance

Affordable Home Contents Insurance Affordable Home Contents Insurance We remind all tenants and leaseholders to take out household contents insurance. You can do this either through this scheme, arranged by WDH, or by making your own private

More information

Highhouse Home Cover: Summary of Cover Available

Highhouse Home Cover: Summary of Cover Available Highhouse Home Cover: Summary of Cover Available About this Summary of Cover This summary provides key information only about insurers and the insurance cover available within Highhouse Insurance Services

More information

Let Home Insurance. Introduction. Buildings. Significant features and benefits

Let Home Insurance. Introduction. Buildings. Significant features and benefits Let Home Insurance Introduction Our Let Home insurance policy is designed for owners or leaseholders who let out private houses and flats to tenants and wish to insure the buildings and/or contents. You

More information

Holiday Home Insurance PROPOSAL FORM

Holiday Home Insurance PROPOSAL FORM Holiday Home Insurance PROPOSAL FORM Holiday Home Insurance Summary of Cover available There are conditions, limitations, exclusions and excesses within the wording a copy of which will be provided on

More information

Holiday Home Insurance Policy Summary

Holiday Home Insurance Policy Summary Insurance Summary Leisuredays Insurance is underwritten by Royal & Sun Alliance Insurance plc. The Legal Expenses cover is provided by Inter Partner Assist SA, and administered on their behalf by Arc Legal

More information

home insurance Policy summary 24 hour claim notification line 0845 001 0043

home insurance Policy summary 24 hour claim notification line 0845 001 0043 home insurance Policy summary 24 hour claim notification line 0845 001 0043 home insurance A tailored approach Our exclusive insurance product offers you the opportunity to tailor a Buildings and/or Contents

More information

Paragon Advance Landlords Buildings & Contents Policy Underwritten by Zurich Insurance plc. Summary of Cover

Paragon Advance Landlords Buildings & Contents Policy Underwritten by Zurich Insurance plc. Summary of Cover Paragon Advance Landlords Buildings & Contents Policy Underwritten by Zurich Insurance plc Summary of Cover Summary of Cover Important you should read this This leaflet provides a summary of the significant

More information

Name of the insurer The Home scheme is underwritten by Royal & Sun Alliance Insurance plc (RSA).

Name of the insurer The Home scheme is underwritten by Royal & Sun Alliance Insurance plc (RSA). Home Policy Summary This is a summary and does not contain the full terms and conditions of the cover, which can be found in the policy booklet(s). It is important that you read the policy booklet(s) and

More information

Home Insurance. Policy Summary

Home Insurance. Policy Summary 1 Home Insurance Policy Summary Home Insurance Policy Summary Home Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the

More information

BROXTOWE BOROUGH COUNCIL REMINDS ALL TENANTS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE

BROXTOWE BOROUGH COUNCIL REMINDS ALL TENANTS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE BROXTOWE BOROUGH COUNCIL REMINDS ALL TENANTS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE You can do this either through this scheme arranged by the council or by making your own private arrangements. Many

More information

[Choices Extra] SPINE TO BE ADDED BETWEEN FRONT AND BACK COVER

[Choices Extra] SPINE TO BE ADDED BETWEEN FRONT AND BACK COVER SPINE TO BE ADDED BETWEEN FRONT AND BACK COVER [Choices Extra] Tower Insurance Company Limited. Registered in the Isle of Man No. 521 Registered Office Jubilee Buildings, 1 Victoria Street, Douglas, Isle

More information

Home Insurance Policy Summary

Home Insurance Policy Summary Home Insurance Policy Summary The Administrator for this insurance policy is Paymentshield Limited. Please read this document carefully This document provides a summary of cover and does not contain the

More information

TO LET. Your guide to. Saga Landlord Insurance. including the Summary of Cover

TO LET. Your guide to. Saga Landlord Insurance. including the Summary of Cover TO LET Your guide to Saga Landlord Insurance including the Summary of Cover Your introduction to Saga Landlord Insurance Thank you for your interest in Saga Landlord Insurance. This guide gives you a summary

More information

JUST FOR YOU HOME CONTENTS INSURANCE. Low cost peace of mind. Easy payment weekly with your rent. No excess payment required if you claim

JUST FOR YOU HOME CONTENTS INSURANCE. Low cost peace of mind. Easy payment weekly with your rent. No excess payment required if you claim HOME CONTENTS INSURANCE JUST FOR YOU Low cost peace of mind Easy payment weekly with your rent No excess payment required if you claim Cover for most household items including TV, video, DVD players and

More information

Premier Home Insurance Policy Document

Premier Home Insurance Policy Document Premier Home Insurance Policy Document Welcome to your Home Insurance Thank you for taking out Benenden Home Insurance. Please refer to your schedule of insurance to confirm who your policy is underwritten

More information

Home Insurance. Home Insurance. Policy Wording

Home Insurance. Home Insurance. Policy Wording Home Insurance Home Insurance Policy Wording Welcome to your Home Insurance Thank you for taking out Telegraph Home Insurance provided by Hood Group. Your policy is underwritten by RSA, one of the UK s

More information

Guide to Home Buildings and Contents Insurance. April 2012

Guide to Home Buildings and Contents Insurance. April 2012 Guide to Home Buildings and Contents Insurance April 2012 ABI GUIDE TO HOME BUILDINGS REPORT AND ON CONTENTS BOARD EFFECTIVENESS INSURANCE 3 What this guide is for and how it works We, the Association

More information

TENANTS AND LEASEHOLDERS CONTENTS INSURANCE MADE SIMPLE

TENANTS AND LEASEHOLDERS CONTENTS INSURANCE MADE SIMPLE TENANTS AND LEASEHOLDERS CONTENTS INSURANCE MADE SIMPLE in association with Liverpool Mutual Homes has negotiated a Home Contents Insurance Scheme designed specifically for leaseholders and tenants. At

More information

Home Insurance Policy Document

Home Insurance Policy Document Home Insurance Policy Document Page 1 Just the cover you need Welcome to your Home Insurance Thank you for taking out Asda Home Insurance. Please refer to your schedule of insurance to confirm who your

More information

TENANTS CONTENTS INSURANCE MADE SIMPLE

TENANTS CONTENTS INSURANCE MADE SIMPLE TENANTS CONTENTS INSURANCE MADE SIMPLE working with Eastlands Homes has negotiated a Home Contents Insurance Scheme designed specifically for our tenants. At these prices, can you afford not to be insured?

More information

INSURANCE PROPOSAL FORM

INSURANCE PROPOSAL FORM INSURANCE PROPOSAL FORM NOTE: Please fill in this form carefully. We will use the information you give on this form to decide whether we can insure you and to decide the premium and the conditions of insurance.

More information

RESIDENTIAL PROPERTY OWNERS INSURANCE POLICY SUMMARY

RESIDENTIAL PROPERTY OWNERS INSURANCE POLICY SUMMARY RESIDENTIAL PROPERTY OWNERS INSURANCE POLICY SUMMARY RESIDENTIAL PROPERTY OWNERS INSURANCE POLICY SUMMARY This document is a summary of your Policy and other key information about the insurance cover that

More information

LetsProtect Extensive cover for landlords

LetsProtect Extensive cover for landlords Countrywide Insurance Services LetsProtect Extensive cover for landlords Proud to be associated with www.countrywide.co.uk Information booklet LetsProtect information booklet Why choose LetsProtect from

More information

Home. summary of benefits

Home. summary of benefits Risk Covered Fire, explosion and smoke Lightning and thunderbolt Earthquake Theft or attempted theft Riot, civil commotion, labour and political disturbances, vandalism and acts of malicious persons Water

More information

Home insurance. A summary of your cover

Home insurance. A summary of your cover Home insurance A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part of the contract between

More information

Highhouse Let Property Cover: Summary of Cover Available

Highhouse Let Property Cover: Summary of Cover Available Highhouse Let Property Cover: Summary of Cover Available About this Summary of Cover This summary provides key information only about insurers and the insurance cover available within Highhouse Insurance

More information

Seasons Home Insurance Policy

Seasons Home Insurance Policy Seasons Home Insurance Policy www.towergate.co.uk Contents Contents of this booklet 3 Notice to Policyholders 4-5 Definitions 6-7 Buildings Insurance Standard Perils 8-10 Additional Cover 10-11 Liability

More information

Choices Extra Policy Summary

Choices Extra Policy Summary Choices Extra Policy Summary Choices Extra is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable.

More information

TENANTS CONTENTS INSURANCE MADE SIMPLE

TENANTS CONTENTS INSURANCE MADE SIMPLE TENANTS CONTENTS INSURANCE MADE SIMPLE in association with Birmingham City Council has negotiated a Home Contents Insurance Scheme designed specifically for our tenants. At these prices, can you afford

More information

Home Sweet Home. Home Insurance. Your cover

Home Sweet Home. Home Insurance. Your cover Home Sweet Home Home Insurance Your cover A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part

More information

Park Home Insurance. Important Information About Our Insurance: 01 Terms of Business Agreement 02 Summary of Cover. Leisure Home

Park Home Insurance. Important Information About Our Insurance: 01 Terms of Business Agreement 02 Summary of Cover. Leisure Home Park Home Insurance Important Information About Our Insurance: 01 Terms of Business Agreement 02 Summary of Cover Leisure Home i n s u r a n c e Leisure Home i n s u r a n c e Park Home Insurance Terms

More information

Household Contents Insurance Application Form

Household Contents Insurance Application Form Housing Services Household Contents Insurance Application Form Immediate cover. The opportunity to pay fortnightly with rent. Realistic minimum sums insured. New for Old Insurance. in association with

More information

Home insurance. A summary of your cover

Home insurance. A summary of your cover Home insurance A summary of your cover A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part

More information

Home insurance. A summary of your cover

Home insurance. A summary of your cover Home insurance A summary of your cover A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part

More information

A summary of your cover. Section 1 Buildings cover

A summary of your cover. Section 1 Buildings cover A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part of the contract between us. The NatWest

More information

VFM Cover Select is a trading name of QMetric Group Ltd. who are authorised and regulated by the Financial Conduct Authority.

VFM Cover Select is a trading name of QMetric Group Ltd. who are authorised and regulated by the Financial Conduct Authority. This is a summary of cover highlighting the main features and benefits as well as the general conditions and exclusions of this Policy provided by VFM Cover Select. Full terms and conditions can be found

More information

Tenants Contents Insurance Policy Summary

Tenants Contents Insurance Policy Summary Tenants Contents Insurance Policy Summary This document is a guide to the cover provided under Your Tenants Contents policy. It is only a summary and does not contain the full terms and conditions of the

More information

TENANTS CONTENTS INSURANCE MADE SIMPLE

TENANTS CONTENTS INSURANCE MADE SIMPLE TENANTS CONTENTS INSURANCE MADE SIMPLE in association with East Durham Homes has negotiated a Home Contents Insurance Scheme designed specifically for our tenants and leaseholders. At these prices, can

More information

TENANTS CONTENTS INSURANCE MADE SIMPLE

TENANTS CONTENTS INSURANCE MADE SIMPLE TENANTS CONTENTS INSURANCE MADE SIMPLE in association with Sandwell Metropolitan Borough Council has negotiated a Home Contents Insurance Scheme designed specifically for our tenants and leaseholders.

More information

Home Insurance Your policy

Home Insurance Your policy Home Insurance Your policy Policy Home Insurance We (CIS General Insurance Limited) agree with you (the Policyholder named in the Policy Details) that, subject to the General Exclusions, Conditions and

More information

Application Form. Household Contents Insurance

Application Form. Household Contents Insurance JUST FOR YOU HOME CONTENTS INSURANCE Household Contents Insurance Application Form FALKIRK COUNCIL REMINDS ALL CUSTOMERS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE You can do this either through this scheme

More information

Residential Park Home Policy Summary

Residential Park Home Policy Summary Residential Park Home Policy Summary Leisuredays Residential Park Home Insurance is underwritten by Royal & Sun Alliance Insurance plc. The Legal Expenses cover is provided by Inter Partner Assist SA,

More information

BUY TO LET. Buildings and contents insurance for landlords Information leaflet and policy summary December 2007 edition

BUY TO LET. Buildings and contents insurance for landlords Information leaflet and policy summary December 2007 edition BUY TO LET Buildings and contents insurance for landlords Information leaflet and policy summary December 2007 edition Welcome to AXA Welcome to the expertise and quality of the AXA Group Respect With

More information

HARINGEY COUNCIL REMINDS ALL TENANTS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE

HARINGEY COUNCIL REMINDS ALL TENANTS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE HARINGEY COUNCIL REMINDS ALL TENANTS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE You can do this either through this scheme arranged by the Council or by making your own private arrangements. Many tenants

More information

Lifestyle Home Insurance

Lifestyle Home Insurance Name of insurer Lloyd s Syndicate 2001 managed by Amlin Underwriting Ltd through its service company Amlin UK. Household insurance Policy summary Buildings See Section One of the policy wording pages 11

More information

HOME INSURANCE HOME SOLUTIONS POLICY SUMMARY: THE IMPORTANT THINGS YOU NEED TO KNOW

HOME INSURANCE HOME SOLUTIONS POLICY SUMMARY: THE IMPORTANT THINGS YOU NEED TO KNOW HOME INSURANCE HOME SOLUTIONS POLICY SUMMARY: THE IMPORTANT THINGS YOU NEED TO KNOW Home insurance policy summary Contents Home Solutions policy summary Home Solutions policy summary 1 Buildings cover

More information

Age UK Home Insurance Policy Summary

Age UK Home Insurance Policy Summary Age UK Home Insurance Policy Summary What is the Age UK Home Insurance Policy Summary? This is a summary of cover available under Age UK Home Insurance. It outlines the main benefits and exclusions of

More information

Policy Summary. Section 1 - Buildings & Contents Insurance. What different types of cover are available?

Policy Summary. Section 1 - Buildings & Contents Insurance. What different types of cover are available? What different types of cover are available? There are three types of insurance cover available: Buildings insurance, Contents insurance, and Policy Summary This is only a summary of the main policy benefits

More information

AXA Buy to Let Policy Summary

AXA Buy to Let Policy Summary AXA Buy to Let Policy Summary This policy summary does not contain full details and conditions of your insurance - these are located in your policy booklet. This policy is underwritten by AXA Insurance

More information

HOME INSURANCE WHEN THE UNBELIEVABLE HAPPENS ELMO INSURANCE. elmoinsurance.com

HOME INSURANCE WHEN THE UNBELIEVABLE HAPPENS ELMO INSURANCE. elmoinsurance.com HOME INSURANCE WHEN THE UNBELIEVABLE HAPPENS ELMO INSURANCE elmoinsurance.com BECAUSE WE BELIEVE LITTLE THINGS MAKE A BIG DIFFERENCE Elmo Insurance is a respected company linked to global and financially

More information

SUMMARY OF INSURANCE COVER GLASGOW WEST HOUSING ASSOCIATION LTD GLASGOW WEST ENTERPRISES LTD PREPARED BY BRUCE STEVENSON INSURANCE BROKERS LTD 38-40

SUMMARY OF INSURANCE COVER GLASGOW WEST HOUSING ASSOCIATION LTD GLASGOW WEST ENTERPRISES LTD PREPARED BY BRUCE STEVENSON INSURANCE BROKERS LTD 38-40 SUMMARY OF INSURANCE COVER GLASGOW WEST HOUSING ASSOCIATION LTD GLASGOW WEST ENTERPRISES LTD PREPARED BY BRUCE STEVENSON INSURANCE BROKERS LTD 3840 NEW CITY ROAD GLASGOW G4 9JT 0141 354 2883 CE SUMMARY

More information

This policy summary does not contain full details and conditions of your insurance you will find these in your Policy Wording.

This policy summary does not contain full details and conditions of your insurance you will find these in your Policy Wording. Summary of Cover This policy summary does not contain full details and conditions of your insurance you will find these in your. Your Home Insurance policy is provided by Swiftcover Insurance Services

More information

Home Insurance Policy Summary

Home Insurance Policy Summary Protect Home Insurance Policy Summary ridiculouslysensible insurance. N 1 Home Insurance Policy Summary Home Insurance Policy Summary Protect My World is underwritten by Royal & Sun Alliance Insurance

More information

Preferred Choice. Policy Summary

Preferred Choice. Policy Summary Preferred Choice Policy Summary Preferred Choice is underwritten by Tower Insurance Company Limited. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable.

More information

Landlord Insurance Policy Summary

Landlord Insurance Policy Summary Landlord Insurance Policy Summary The Administrator for this insurance policy is Paymentshield Limited. Please read this document carefully This document provides a summary of your cover and does not contain

More information

If you need to make a claim... ... call us straight away on 0844 251 0190. For our joint protection, calls may be recorded or monitored.

If you need to make a claim... ... call us straight away on 0844 251 0190. For our joint protection, calls may be recorded or monitored. If you need to make a claim...... call us straight away on 0844 251 0190. For our joint protection, calls may be recorded or monitored. Home Policy Welcome. We ve got you covered 8. Buildings buildings

More information

Simple. Application Form. Household Contents Insurance

Simple. Application Form. Household Contents Insurance Simple Household Contents Insurance Household Contents Insurance Application Form Please return your application form to: RSA, Direct Group Property Services, 4 Sidings Court, Doncaster DN4 5NU SOUTH LAKES

More information

A summary of your cover

A summary of your cover A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part of the contract between us. The Churchill

More information

Policy booklet. Contents Insurance

Policy booklet. Contents Insurance Policy booklet Contents Insurance WELCOME TO AA INSURANCE SERVICES A warm welcome and thank you for arranging your home insurance with AA Insurance Services. Our aim is to combine value for money with

More information

PROPOSAL FORM FOR HOME INSURANCE

PROPOSAL FORM FOR HOME INSURANCE United Insurance Company PSC PROPOSAL FORM FOR HOME INSURANCE IMPORTANT NOTES Filling and signing this application form does not automatically result in a contract. Insurance becomes in force once United

More information

Home Household Insurance

Home Household Insurance Home Household Insurance Policy Summary The insurance cover for sections A-D is provided by Covéa Insurance plc, Norman Place, Reading, Berkshire, RG1 8DA. The insurance cover for section E Legal Protection

More information

Summary of exclusions and limits Your policy will not pay for the following if caused by any paying guest or tenant: What is covered

Summary of exclusions and limits Your policy will not pay for the following if caused by any paying guest or tenant: What is covered A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part of the contract between us. The Sainsbury's

More information

Residential Property Owners

Residential Property Owners Residential Property Owners Policy Summary The insurance cover is provided by Liberty Mutual Insurance Europe Limited & Aro Underwriting Group Limited The Residential Property Owners policy is a flexible

More information

Saga Home Insurance Premier Your Policy Booklet

Saga Home Insurance Premier Your Policy Booklet Saga Home Insurance Premier Your Policy Booklet Contents Page About your home insurance policy 4 Glossary of terms 6 Buildings Premier 8 Contents Premier 12 Personal Belongings Inside and Outside the Home

More information

1 HOME INSURANCE EXTRA

1 HOME INSURANCE EXTRA 1 HOME INSURANCE EXTRA POLICY SUMMARY. Our Home Insurance Extra policy provides you with home and contents cover. You can also purchase additional sections of cover to tailor the policy to your needs.

More information