NFU MUTUAL BESPOKE HOME INSURANCE

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1 NFU MUTUAL BESPOKE HOME INSURANCE

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3 NFU MUTUAL BESPOKE HOME INSURANCE Your home and your possessions are valuable and no doubt extremely important to you. That s why you need to know that you have the right level of protection in place and that we ll take good care of you when you need us. NFU Mutual Bespoke home insurance gives you this reassurance. Defaqto 5 Star rated, our home insurance cover is designed for people with higher value homes and contents, worth a minimum of 100,000, which may include fine art. We work closely with you to tailor your home and contents cover to your unique needs, so that your home and possessions are appropriately protected against the unexpected. HERE WHEN YOU NEED US MOST... You can be confident that if you need to use your insurance, we ll support you and your family with our no-quibble claims philosophy and our network of experts. We ll help you get back to normal life as quickly and as smoothly as possible.

4 With over 100 years experience in specialist insurance, we use our comprehensive expertise and resources to give you protection and service when you need it most. Where appropriate we provide recommendations to help reduce the risk of something happening which may lead to you making a claim. This includes recommendations on security and protection such as locks, alarms and mitigating fire risks.

5 WORKING WITH YOU FOR REAL PEACE OF MIND HELPING YOU CHOOSE THE RIGHT COVER For robust home and contents protection, it s essential to get the right cover in place at the start. Our expert advisers will take the time to thoroughly understand your needs either face to face or over the phone before recommending the best cover for you. We believe that a thorough understanding of the finer details of your needs are important, so NFU Mutual Bespoke is only available through our advisers who can provide comprehensive advice, and not online. We have over 320 branches throughout the UK, so your adviser will have a deep understanding of your local area, as well as the expertise to advise you on the most appropriate cover. TAKING CARE OF CLAIMS If you need to claim on your insurance, your dedicated claims team are there to support you through the process. Your local NFU Mutual adviser will manage smaller claims and, where a larger claim occurs, a dedicated claims team is appointed. No matter how large or small the claim, your claims team will work with a network of experts and specialist suppliers to take care of your claim quickly and effectively. Whether it s securing your house after a break-in, sensitively restoring a piece of fine art or making sure family life can continue smoothly if your home is uninhabitable, we ll manage every step for you. A survey of Which? members showed NFU Mutual is the best company to deal with for both home and car insurance claims*. *Source: Which? Claims satisfaction survey, May 2013.

6 NFU Mutual Bespoke has been rated 5 Star by independent financial research company Defaqto. This means we provide one of the most comprehensive policies there is HIGH NET WORTH HOME INSURANCE

7 TAILORED COVER We help you tailor your cover so it s right for your unique needs. You can choose the elements that are important to you from our extensive range of features and benefits and our maximum compulsory excess is just 250 for any claim. PROTECTING YOUR HOME We offer comprehensive protection for buildings of a wide variety of ages, sizes and styles, including listed buildings. If you have more than one property that you want to protect, NFU Mutual Bespoke can also accommodate additional UK based properties as well as your main residence. Our NFU Mutual Bespoke home insurance includes a wide range of features. Trace and access Quickly finding the source of an oil or water leak is vital to limit the damage to your property and its contents. We cover costs for tracing the source of a leak and make good any damage caused by the search. Alternative accommodation If you can t live in your home because of an event you have covered with us, we ll pay reasonable rent and accommodation costs for a similar property for up to three years. Protection from underinsurance If you find your buildings are underinsured, we ll pay the full cost of rebuilding or repairing any damage. As long as at the start of your policy or subsequent renewal you ve had a professional, independent, rebuilding cost valuation which is no more than three years old, and the amount we insured your buildings for at the time is at least the recommended value. For listed buildings, we ll pay up to 125% of the insured rebuilding cost your building is insured for. Going green In the event of a total loss, if you need to completely rebuild your property, you may want to include green building materials that weren t originally part of the building we ll pay up to 50,000 towards this. We ll also pay 10% of your claim for damage of buildings (up to 5,000) if you want to upgrade your property with solar, wind or geothermal energy-generating systems. Home emergency To help you and your family get back to normal in an emergency, we provide immediate hands-on assistance through our dedicated helpline which is open 24 hours a day, 365 days a year. This could vary from a break down of a boiler covered by your policy in the middle of winter, to securing your property after a break-in. Whether it s through our list of approved contractors or one you ask us to consider, we ll take care of things for you.

8 If you have domestic employees and want to ensure you are appropriately covered, NFU Mutual Bespoke provides up to 100,000 cover for employment contract disputes with domestic employees. In addition, the policy provides up to 10 million for employers liability including legal fees, costs and expenses.

9 PROTECTING YOUR CONTENTS HELPING YOU CHOOSE THE RIGHT COVER Of course, your possessions are equally as important as the building they re in. So we ll help tailor your cover to your specific needs. Features include: Worldwide contents cover Your possessions will be covered if you take them overseas or to another property in the UK other than your main residence. And then, when you renew your policy, we will review your cover with you. Fine art and collections cover If you ve invested in a collection such as antiques, paintings, wine or porcelain, you ll want to make sure it s protected with our fine art and collections cover. Among other things, this will cover the cost of restoration or reimburse you for the loss up to the value you agree with us. Garden cover You have up to 50,000 cover for the contents in your garden. All trees, plants, shrubs and lawns are also covered for up to 500 each, up to a total of 50,000. The possessions of those around you We can also cover family living at another address, for example children studying away from home. And we ll cover possessions (except for money) for parents, step-parents and grandparents who need to go into residential care for up to 10,000. Your cover can even protect the possessions of visitors to your property. Having your home and contents accurately valued is a vital part of getting the right cover in place, and it s not always easy to do. That s why we offer access to a panel of experienced valuers throughout the UK. From valuing fine art and collections to estimating the cost of rebuilding your property, for a fee, you can work with an independent valuer to make sure your assets are correctly valued. With this, your adviser can help you to ensure you have the appropriate cover in place.

10 Your lifestyle may mean that you have needs that require further specialist advice and cover. As well as advising on your home insurance, we can also arrange protection for items that may not be covered by NFU Mutual Bespoke such as overseas holiday homes and large boats. In doing this, we apply the same meticulous attention to detail.

11 YOU CAN TRUST US WITH THE THINGS THAT MATTER TO YOU With over 320 branches across the UK, we re not just a voice at the end of the phone. Our experienced advisers have in-depth knowledge of your local area and are committed to making sure you have the right policy and cover for your needs. We have over 100 years worth of knowledge and expertise in providing specialist insurance advice. As a reliable and prudent company with excellent financial stability, you can be confident you re in safe hands. Giving our customers value for their money is an important part of who we are and that s why we re fully committed to our mutual status. We re run in the interests of our customers, not shareholders. This is demonstrated by our Mutual Bonus which, when awarded, comes through as a discount on your insurance premiums from the very first renewal of your policy. We were named Best Financial Services Provider at the 2013 Which? Awards.

12 THE NEXT STEPS Full terms and conditions can be found in the policy wording. For more information, please contact us or visit Here are our details nfumutual.co.uk NFU Mutual is The National Farmers Union Mutual Insurance Society Limited (No ). Registered in England. Registered office: Tiddington Road, Stratford upon Avon, Warwickshire CV37 7BJ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. A member of the Association of British Insurers. For security and training purposes, telephone calls may be recorded and monitored. BES/BRO/0214