Tools of Trade Insurance Policy. Alarm, Fire & Security Industry. TOOLS OF TRADE INSURANCE SISS/TT/2010/01 Page 1 of 8
|
|
- Brenda Wilkins
- 8 years ago
- Views:
Transcription
1 Tools of Trade Insurance Policy Alarm, Fire & Security Industry Page 1 of 8
2 Your Insurance Policy Thank you for choosing Security Industries Specialist Services to arrange your insurance. We are dedicated to provide a high level of service offering specialist insurance protection for clients within the Security and Fire protection industry. This policy is a contract between you and insurers and has been accepted taking into consideration the information you have provided us. Insurers have relied on this information in formulating this contract and it is therefore extremely important that you ensure all material information including sums insured remain current. Please read the schedule and policy documents carefully to ensure that all details are correct and advise us immediately should any correction or amendment be required. Please keep these documents in a safe place as Insurers will refer to them in the event of any claims or circumstances that may arise. Signed for SISS and on behalf of insurers Security Industries Specialist Services 7d Cranmere Road Okehampton Devon EX20 1UE Page 2 of 8
3 Definitions Certain words within these documents have special meaning and will be interpreted and defined as follows Tools Portable powered or non powered hand held tools used in the course of your Trade, occupation or business. Minimum Excess The minimum amount you are responsible for which will be deducted from each and every claim payment made under this policy. Coinsurance Variable amount you are responsible for which will be deducted from each and every claim payment made under this policy. Policy Period The period that this policy provides insurance protection You The insured person or business to which this insurance applies as named in the schedule Insurer Great Lakes Reinsurance Plc Transit From the place of purchase or collection to the place of work or site and within the confines of your vehicle Policy Schedule Document stating limits, sums insured and details applicable to this insurance The Insurance Insurers hereby agree to indemnify the insured against accidental loss of or damage to property from whatsoever cause arising and occurring during the period of insurance within the geographical limits to a maximum sum insured as stated in the schedule, except as where specified and subject to the following terms, conditions and limitations. Limit of Liability Insurers liability in respect of any one occurrence will not exceed the sums insured as stated in the policy schedule and will be conditional upon the insured s compliance with the terms and conditions of this policy Page 3 of 8
4 Geographical Limits Anywhere in the United Kingdom, Isle of Man or Channel Islands and in any country within the European Union for up to 60 days per year Law Applicable The parties are free to choose the law applicable to this insurance. Unless specifically agreed to the contrary, this will be English Law Reinstatement (Partial Loss or Damage) In consequence of any partial loss or damage to property insured under this policy not exceeding 75% of the total sums insured, automatic reinstatement of limits without additional premium is agreed Reinstatement (Total Loss or Damage) In consequence of any total loss or damage to property insured under this policy exceeding 75% of the total sums insured, reinstatement of limits and any additional premium calculated at the same rate, is at the discretion of insurers. Replacement Basis Following loss, destruction or damage to property insured by this policy and subject to it s terms, conditions and limitations, insurers will at their discretion a) pay the cost of repair b) pay the cost of replacing as new c) make a cash payment Conditions If the Insured, or anyone acting on behalf of the insured, makes a claim under this policy knowing the claim to be false or fraudulent in any respect or if any damage is caused by the willful act or with the connivance of the insured, Insurers will not pay the claim and all cover under this policy will cease. This policy shall be voidable in the event of any misrepresentation, misdescription or non-disclosure of any material information or facts. Page 4 of 8
5 The insured must give immediate notice to Security Industries Specialist Services of any change in circumstances which may increase the possibility of loss, destruction or damage covered under this policy The insured at their own expense:- a) take all reasonable precautions to prevent loss, destruction or damage b) keep the property insured in a satisfactory state of repair c) comply with all statutory requirements and all other safety regulations imposed by any authority If at the time of any loss, destruction or damage covered by this policy there is any other insurance in force which covers the same loss, destruction or damage, Insurers liability will be limited to its rateable proportion only In the event of any loss, destruction or damage to the insured property Insurers will be entitled to enter any building where such loss, destruction or damage has occurred and to take and keep possession of such property insured and to deal with the salvage in a reasonable manner and this policy shall be proof of leave and license for such purpose. No property shall be abandoned to insurers. General Exceptions Insurers shall not be liable for any loss, destruction or damage to any property or any expense or consequential loss directly or indirectly caused by or contributed to, by, or arising from the following a) ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or component thereof c) confiscation, nationalization or requisition by order of any government, municipal, local or customs authority or purchase repossession d) loss, erasure, distortion or corruption of any data or information resulting from any cause whatsoever including virus and / or date changes e) atmospheric or climatic conditions condensation or any other gradually operating cause mould, fungi, rust, rot, corrosion, moth, insects, vermin or pests f) inherent vice, latent defect, defective design, mechanical or electrical defect or derangement g) depreciation or diminution of value Exclusions Loss of any item insured under this policy is excluded unless the item is:- a) contained in a locked vehicle whereby all windows and other openings are fully closed and all security devices are in operation and items are not left on general display within the vehicle Page 5 of 8
6 b) contained within a locked storage unit or building Any loss, damage or destruction as a result of:- a) wear, tear, or gradual deterioration b) Deliberate loss or mysterious disappearance c) Consequential loss d) Legal liabilities Any self propelled and / or ride on tool, machine or item of plant Claims For any event or circumstance that could give rise to a claim being made under this policy, the insured must:- a) inform Security Industries Specialist Services at their earliest possible convenience b) where applicable notify the Police and provide details of the Police Crime reference number c) submit all relevant particulars and proofs relating to the circumstance in writing as may reasonably be required by insurers or their agents or representatives. d) retain all insured damaged property for inspection Cancellation You may cancel this policy within 14 days of receipt of this document and a full refund of the applicable premium will provided subject to there having been no losses or claims. This policy may also be cancelled at any other time at your request in writing subject to insurers receiving or retaining the appropriate level of premium as may be adjusted on a pro rata basis. This policy may also be cancelled by or on behalf of insurers by thirty days notice being given in writing to the insured at his last known address, and the premium hereon shall be adjusted on the basis insurers shall receive or retain the appropriate pro rata premium. Notice shall be deemed to be duly received in the course of the post if sent by pre-paid letter properly addressed. In the event of any claims under the policy, the policy will be deemed to be fully earned and no refund will be made. Page 6 of 8
7 Customer Service Information This Policy has been arranged through:- Security Industries Specialist Services 7d Cranmere Road Okehampton Devon EX20 1UE Security Industries Specialist Services is a trading style of Apex Insurance Services Ltd., an appointed representative of Crispin Speers & Partners Ltd which is authorised & regulated by the Financial Services Authority - FSA reference number You can find this on the FSA register at Apex Insurance Services Ltd, Registered in England number Registered office: St. Clare House, Minories, London, EC3N 1PE The Insurer Great Lakes Reinsurance Plc via Contessa Ltd Suite th Floor 1 Lime Street London EC3M 7HA Complaints Both Security Industries Specialist Services and Insurers aim to give its policyholders a high level of service at all times. If there are occasions when we do not meet your standards please contact Security Industries Specialist Services in the first instance at the address shown above. We will handle your complaint as follows:- We will acknowledge within five working days and advise you of the name and title of the person who is handling your complaint. We will deal with your complaint as quickly as possible and aim to provide you with a formal response within twenty working days of receipt of the complaint. If compensation or redress is appropriate we will provide details with our response. If we feel your complaint is not justified full reasons for our decision will be provided to you. If we are unable to resolve your complaint within twenty working days we will write to you and explain why we have been unable to resolve the issue. We will also advise you when you can expect to receive our final response. Page 7 of 8
8 If you remain dissatisfied you have the option of contacting the Financial Ombudsman Service. Their address is: South Quay Plaza 183 Marsh Wall London E14 9SR Tel: Our response to your complaint will always provide you with a copy of the Financial Ombudsman Service explanatory leaflet. Data Protection The defined terms used in this section shall have the meaning given to those terms in the Data Protection Act 1998 (as may be amended from time to time). In the course of providing insurance services to the INSURED, the insurer may have access to Personal Data. The INSURED warrants that it shall have obtained all necessary authorisations and approvals from Data Subjects prior to disclosing any Personal Data to the insurer (whether such disclosure is made directly by the INSURED to the insurer or indirectly by the INSURED to any agent acting on behalf of the INSURED or the insurer). The insurer shall be the Data Controller of any Personal Data provided to it. The insurer undertakes that it shall only use any Personal Data provided to it for the purposes of performing its services in connection with its contract of insurance with the INSURED. This will include the processes of underwriting, administration and claims assessment as well as any necessary services ancillary thereto. The insurer will hold all Personal Data provided to it securely and shall limit access to such Personal Data to those who have a need to see it. The INSURED hereby consents to the insurer sharing any Personal Data provided to it with its group companies, agents, reinsurers, claims handlers, loss adjusters, medical professionals and other professional advisors, healthcare management companies and any other necessary service providers with whom the insurer contracts in connection with the contract of insurance between the INSURED and the insurer The INSURED acknowledges that the insurer may be required as a matter of law or regulation to disclose Personal Data provided to it to a Court of law or regulatory body such as the Financial Services Authority or any other public body or authority of competent jurisdiction and the insured hereby consents to any such disclosure. The INSURED acknowledges that the insurance industry maintains certain registers for the purposes of fraud prevention and hereby consents to the insurer sharing Personal Data provided to it with fraud prevention agencies and other insurance companies for the purposes of fraud prevention and to validate your claims history. Page 8 of 8
R&Q Commercial Risk Services Limited Contractors All Risks and Liability Combined Insurance Summary of Cover
R&Q Commercial Risk Services Limited Contractors All Risks and Liability Combined Insurance Summary of Cover June 2012 Edition Contractors All Risks and Liability Combined Insurance Policy Overview About
More informationContractors Plant and Equipment Insurance Policy
Contractors Plant and Equipment Insurance Policy Please read this Policy carefully to ensure that it meets your requirements This policy the Schedule (including any Schedule issued in substitution) and
More informationSISS TRADES & PROFESSIONS LIABILITY INSURANCE Summary of Cover
SISS TRADES & PROFESSIONS LIABILITY INSURANCE Summary of Cover This is a basic summary of the benefits, features, limitations and exclusions of the cover provided and does not contain the full terms and
More informationThank you for choosing Trinity Lane Insurance Company Limited for your helmet and leathers insurance.
Thank you for choosing Trinity Lane Insurance Company Limited for your helmet and leathers insurance. This document sets out what is and what is not covered, together with the sum insured and any special
More informationTOP-UP EXCESS PUBLIC LIABILITY POLICY
ACE European Group Ltd. ACE Building, 100 Leadenhall Street, London, EC3A 3BP. 020 7173 7000 tel. 020 7173 7800 fax www.aceeurope.co.uk ACE European Group Limited is authorised and regulated by the Financial
More informationR&Q Commercial Risk Services Limited Liability Combined Insurance Summary of Cover
R&Q Commercial Risk Services Limited Liability Combined Insurance Summary of Cover March 2014 Edition Contractors All Risks and Liability Combined Insurance Policy Overview About R&Q This Insurance product
More informationOnline Motor Excess Protect Insurance. Policy Wording
Online Motor Excess Protect Insurance Policy Wording Motor Excess Protect Insurance Policy Wording Introduction Thank you for choosing Motor Excess Protect Insurance. The information in this policy wording
More informationPROPERTY DEVELOPMENT CONTINGENCY INSURANCE. Your Policy Terms and Conditions September 2013 Edition
PROPERTY DEVELOPMENT CONTINGENCY INSURANCE Your Policy Terms and Conditions September 2013 Edition WELCOME TO AXA Introducing AXA One of the world s largest insurers With more than 50 million customers
More informationPier Insurance Policy Wording
Contents: Pier Insurance Policy Wording Summary of Cover: Sections A Terms of Business B Terms & Conditions C Key Facts D Demands & Needs statement 1 Electronic Equipment Terms & Conditions Definitions
More informationCommercial & Motor Trade Excess Reimbursement Policy Wording. Please refer to Your Certificate of Insurance for confirmation of coverage details
Please refer to Your Certificate of Insurance for confirmation of coverage details This is Your Commercial & Motor Trade Excess Reimbursement Insurance Policy. It contains details of cover, conditions
More informationMotor Excess Protect Insurance Policy Wording
Motor Excess Protect Insurance Policy Wording www.cvd-insurance.co.uk Motor Excess Protect Insurance Policy Wording Introduction Thank You for choosing Motor Excess Protect Insurance. The information in
More informationMotor Excess Protection Insurance
Motor Excess Protection Insurance For Private Cars, Motorcycles and Commercial Vehicles. Questor Insurance Services Limited First Floor Suite West A Orchard House, Station Road Rainham, Kent ME8 7RS United
More informationAsda Value Car Insurance. Excess Protection. money
Asda Value Car Insurance Excess Protection money Contents page number Motor Excess Protection Policy Wording... 3 Introduction... 3 Regulatory Information... 3 Your Insurer... 3 What Makes up this Policy?...4
More informationOnline Home and Contents Excess Protect Insurance. Policy Wording
Online Home and Contents Excess Protect Insurance Policy Wording Important Numbers Claims Helpline 0844 225 9653 Scheme Number 10033 Customer Services 0845 683 0743 Home Excess Protect Insurance Policy
More informationIn-Car Gadget Insurance
In-Car Gadget Insurance www.greeninsurancecompany.co.uk Contents About This Policy 2 Introduction 2 Definitions 2 What is Covered? 3 What is Not Covered? 3 4 How Can I Claim? 4 Conditions 4 5 Cancellation
More informationMATERIAL DAMAGE AND BUSINESS INTERRUPTION INSURANCE SUGGESTED WORDINGS
MATERIAL DAMAGE AND BUSINESS INTERRUPTION INSURANCE SUGGESTED WORDINGS Competition Law Compliance: This document has been produced by the ABI to assist members in their handling of a particular matter.
More informationCENTRAL. Hire Car Cover Comprehensive
ST CENTRAL Hire Car Cover Comprehensive Page 1 of 11 1 st Central Hire Car Policy - Comprehensive Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been
More informationCONTRACTORS ALL RISKS EXCESS OF LOSS INSURANCE POLICY
ACE European Group Ltd. 2 nd Floor, 5 George's Dock, International Financial Services Centre, Dublin 1. 01 440 1700 tel 01 440 1701 fax www.aceeurope.ie ACE European Group Limited is authorised by the
More informationCAR PROTECT GAP. General Asset Protection Insurance
CAR PROTECT GAP General Asset Protection Insurance HOW TO CONTACT US By Telephone Claims & Technical Queries Line - 015313000 - Option 2 Customer Services - 015313000 - Option 3 By Email Customer Services
More informationExcess Professional Indemnity Insurance
Excess Professional Indemnity Insurance Contents A warm welcome to Vela Underwriting 3 Making yourself heard 4 Excess Professional Indemnity Insurance Policy 5 Section 1 Definitions 8 Section 2 The Cover
More informationFleet Excess Protect
Fleet Excess Protect Policy Wording Thank you for choosing Fleet Excess Protect Insurance. The information in this policy wording contains important information and we have made it as easy as possible
More informationCORPORATE LAPTOP / IPAD INSURANCE
CORPORATE LAPTOP / IPAD INSURANCE CERTIFICATE OF INSURANCE THIS IS TO CERTIFY THAT in accordance with the authorisation granted under Contract WH00012AI09 to the Undersigned by the Insurers, and in consideration
More informationIRONSHORE INSURANCE SERVICES LLC
IRONSHORE INSURANCE SERVICES LLC ONE STATE STREET, 7 TH FLOOR, NEW YORK, NY 10004 ADMINISTRATOR FOR PEMBROKE MANAGING AGENCY - LLOYD S Syndicate 4000 UMR# B6081NB000441A GENERAL SPECIE INSURANCE POLICY
More informationQUEST - QBE COMPREHENSIVE MOTOR INSURANCE MASTER POLICY
QUEST - QBE COMPREHENSIVE MOTOR INSURANCE MASTER POLICY CONTENTS PAGE SECTION 1: LOSS OR DAMAGE TO VEHICLE 1 INSURING CLAUSE 1 AUTOMATIC EXTENSION 1 LIMIT OF INDEMNITY 1 EXCLUSIONS 1 EXCESS FOR SECTION
More informationNon-Negligent Damage Liability Insurance Policy For Contractors / Civil Engineers
ACE European Group Ltd. The ACE Building, 100 Leadenhall Street, London, EC3A 3BP. 020 7173 7000 Tel 020 7173 7800 Fax www.aceeurope.co.uk ACE European Group Limited is authorised by the Prudential Regulation
More informationEmployers Liability Policy of Insurance
Employers Liability Policy of Insurance EMPLOYERS' LIABILITY POLICY OF INSURANCE MSI Corporate Capital Limited as the Underwriting Member of MIT Syndicate 3210 at Lloyd s hereinafter referred to as the
More informationLost Key Protection. Assists you to get home safely Recovers your lost or stolen keys Protects you and your keys
Lost Key Protection Assists you to get home safely Recovers your lost or stolen keys Protects you and your keys lost Key Protection This insurance policy has been arranged by Qdos Broker & Underwriting
More informationLorega Master Schedule Commercial Loss Recovery Insurance Policy version 2.3
Willis Insolvency Scheme Lorega Master Schedule Commercial Loss Recovery Insurance Policy version 2.3 This Master Schedule is issued under the terms and conditions of the Binding Authority Agreement granted
More informationOctagon Insurance Lost Key Protection. Assists you to get home safely Recovers your lost or stolen keys Protects you and your keys
Octagon Insurance Lost Key Protection Assists you to get home safely Recovers your lost or stolen keys Protects you and your keys lost Key Protection This Octagon insurance policy has been arranged by
More informationMobile Device Insurance Silver Cover Provided by A1Comms trading as Buymobiles.net
Important Information Policy Wording Definitions What is covered What is not covered Mobile Device Insurance Silver Cover Provided by A1Comms trading as Buymobiles.net Below is a list of what information
More informationCARD BASED LIFE ASSURANCE
CARD BASED LIFE ASSURANCE We, the Underwriters, will pay the Sum Assured mentioned in the Certificate to the Person or Persons to whom the same is therein expressed to be payable under production of proof
More informationNext Directory RPC Policy Document
Introduction to the insurance This is your policy document for your product valued up to but not exceeding 150 and should be read in conjunction with your certificate of insurance. In return for the payment
More informationExcess Professional Indemnity. Policy document
Excess Professional Indemnity Policy document Contents A warm welcome to Zurich 3 Your Excess Professional Indemnity policy 3 Section 1 Definitions 5 Section 2 The Cover 5 Section 3 Provisions 6 Section
More informationGarden Protect Policy Document
Garden Protect Policy Document www.greeninsurancecompany.co.uk Contents What is Garden Protect 2 Contract of Insurance 2 Summary of Cover (Limits and Excesses) 2 Definitions 3 Governing Law 3 Cancellation
More informationKey Cover Policy Document
Key Cover Policy Document www.greeninsurancecompany.co.uk The Green Insurance Company Key Cover has been designed to look after you in the event your keys are lost, stolen or broken. Your Key Cover Policy
More informationinsurance details barclaycard commercial
insurance details This policy covers: Barclaycard Commercial Purchasing Cards Barclaycard Commercial PurchaseControl Cards Barclaycard Precisionpay Barclaycard Payables barclaycard commercial Contents
More informationMotor Excess Protection
Motor Excess Protection Insurance DOCUMENTS Contents Excess Protection Policy Wording 1 Definitions 1 Making a claim 2 Cover Provided 3 What is not covered (Exclusions) 3 Conditions Applicable 4 Complaints
More informationExcess Professional Indemnity policy
Excess Professional Indemnity policy Contents A warm welcome to Vela Underwriting 3 Making yourself heard 4 Your Excess Professional Indemnity Insurance Policy 5 Section 1 Definitions 8 Section 2 The Cover
More informationMr and Mrs Sample and future owners or occupants of the Property and Your/their mortgage lender(s).
Absentee Landlord Indemnity Insurance Policy This Policy is the contract between You and the Insurer and it includes the Schedule and any endorsement, extension, plan or appendix issued with it. We have
More informationCLEMENTS WORLDWIDE TERM LIFE INSURANCE PROGRAM FOR IEEE MEMBERS
CLEMENTS WORLDWIDE TERM LIFE INSURANCE PROGRAM FOR IEEE MEMBERS We, the Underwriters, will pay the Sum Assured mentioned in the Certificate to the Person or Persons to whom the same is therein expressed
More informationHelmet & Leathers Insurance
Helmet & Leathers Insurance Contents Your Demands and Needs 2 Definitions 2-3 Eligibility 3 What is Covered 4 What We Will Not Cover 4-5 General Exclusions 5 General Conditions 5-6 How to Make a Claim
More informationGadget Insurance. Terms and Conditions. @ w. phone: email: web
phone: email: web @ w Customer Services 1890 818 040 customerservicesire@protectyourbubble.com www.protectyourbubble.com Gadget Insurance Terms and Conditions Gadget Insurance Terms and Conditions This
More information24 7 HOME RESCUE DOMESTIC APPLIANCES SERVICE CONTRACT TERMS AND CONDITIONS
24 7 HOME RESCUE DOMESTIC APPLIANCES SERVICE CONTRACT TERMS AND CONDITIONS This Service Contract is provided by 247 Home Rescue Limited, whose Registered Office is 3 Petre Road, Clayton Le Moors, Lancashire,
More informationPolicy Summary. Holiday Home
Policy Summary Holiday Home Leisuredays Holiday Home Insurance is underwritten by Royal & Sun Alliance Insurance Plc (RSA). The Legal Expenses optional cover is arranged by LawShield UK Limited with UK
More informationDemands and Needs Statement
Modifications Cover Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been fitted with non standard parts or modifications which are lost or damaged as a
More informationHome Insurance. Your Home Emergency policy summary.
Home Insurance Your Home Emergency policy summary. Bank of Scotland Home Emergency policy summary. Bank of Scotland Home Emergency is underwritten by Royal & Sun Alliance Insurance plc. It is an annual
More informationMotor Vehicle Excess Protection Policy Wording
Motor Vehicle Excess Protection Policy Wording www.greeninsurancecompany.co.uk Contents Demands and Needs Statement 2 Insurer 2 What makes up this policy? 2 Changing your mind Your right to cancel 2 Definitions
More information1) Uninsured Loss Recovery An event causing damage to the insured vehicle and/or personal property in or on it
MOTORING LEGAL SOLUTIONS MCE ASSIST THIS IS YOUR INSURANCE POLICY This policy is evidence of the contract between you and the Insurer. Following an Insured Event the Insurer will pay the Insured s Legal
More informationYou should read this Summary of Cover in conjunction with your Policy Schedule and Policy Wording.
Summary of Cover iprism Retail Policy About Your Policy This document provides a summary of the cover provided by the iprism Retail Policy. This summary is provided to you for information purposes only
More informationBusiness Insurance Business equipment section
Business Insurance Business equipment section Contents of this section Meaning of defined terms 1 What is covered 3 What is not covered 4 Section conditions 6 Meanings of defined terms These meanings apply
More informationMobile Device Insurance Platinum Cover Provided by A1Comms trading as Phones.co.uk
Important Information Policy Wording Definitions What is covered What is not covered Mobile Device Insurance Platinum Cover Provided by A1Comms trading as Phones.co.uk Below is a list of what information
More informationAviva Motor Policy Summary and Important Information
Aviva Motor Policy Summary and Important Information This is a summary of the policy and does not contain the full terms and conditions of the cover which can be found in the policy documentation. It is
More informationIf you have an accident call us straightaway on 0844 251 0190. For our joint protection, calls may be recorded and/or monitored. Your policy summary
If you have an accident call us straightaway on 0844 251 0190. For our joint protection, calls may be recorded and/or monitored. Your policy summary Your policy summary 2. Your policy summary 5. Important
More informationKey Protection Policy Wording
Key Protection Policy Wording This Policy has been arranged by Motorplus Limited and Boomerang-Tag Limited with Qdos Broker & Underwriting Services Limited and is underwritten by UK General Insurance Limited
More informationBank of Ireland Insurance Services Limited ( BIIS )
Bank of Ireland Insurance Services Limited ( BIIS ) Terms of Business Our legal name is Bank of Ireland Insurance Services Limited The Terms of Business set out below provides the basis on which BIIS will
More informationThe Royal Bank of Scotland Purchasing Card
The Royal Bank of Scotland Purchasing Card Your Insurance Policy for (Visa) This leaflet clearly explains the details of the (Visa). Please read it so that you know what is covered and keep it in a safe
More informationThis must be kept with the policy, and contains Your details, details of the Equipment and the Period of Insurance.
Albion AmTrust International Underwriters Limited agrees to Indemnify You as hereinafter provided in accordance with and subject to the terms exclusions and conditions set out herein. THE UNDERWRITER This
More informationCLIENT TERMS OF BUSINESS AGREEMENT
CLIENT TERMS OF BUSINESS AGREEMENT General Information Seascope Insurance Services Limited (SIS) is an independent Lloyd s broker and is not tied to any one insurer. SIS has received a Grant of Permission
More informationDepot/Shop Insurance. Supporting the work of POLICY SUMMARY
Depot/Shop Insurance Supporting the work of POLICY SUMMARY Depot and Shop Insurance made simple Unity Insurance Services has created a no nonsense answer to insuring shops and depot operations in the United
More informationCONTRACTORS ALL RISKS INSURANCE POLICY
CONTRACTORS ALL RISKS INSURANCE POLICY WHEREAS THE INSURED named in the Schedule hereto has made to Cumberland Insurance & Reinsurance Company Limited (hereinafter called "the Insurers") a written proposal
More informationINDIA MOTOR TARIFF w.e.f 01.07.2002 - Policy wording STANDARD POLICY FORM FOR MOTOR TRADE INTERNAL RISKS
INDIA MOTOR TARIFF w.e.f 01.07.2002 - Policy wording STANDARD POLICY FORM FOR MOTOR TRADE INTERNAL RISKS Whereas the insured by a proposal and declaration dated as stated in the Schedule which shall be
More informationProperty Owners Insurance Policy Summary
Property Owners Insurance Policy Summary This is a Policy Summary only and does not contain full terms and conditions of the contract of insurance. These can be found in the Policy document, a copy of
More informationBefore the Event Legal Expenses Insurance Policy Summary
Before the Event Legal Expenses Insurance Policy Summary PROVIDED BY AMTRUST EUROPE LIMITED This is a summary of the main features of the Before the Event Legal Expenses Insurance Policy arranged by AmTrust
More informationCorporate Liability Waiver insurance
Eurocard Corporate Liability Waiver insurance FEBRUARY 2012 Eurocard 2 Definitions 1. Cardholder shall mean any person authorised by the to use MasterCard Business/ Corporate/ Purchasing Cards / Purchasing
More informationKeycare Cover. terms and conditions
Keycare Cover terms and conditions Demands and Needs Statement This policy meets the demands and needs of an individual wishing to protect themselves against the associated costs following the loss or
More informationBurglary Insurance Policy Wordings
Burglary Insurance Policy Wordings 1 of 7 Burglary Insurance Policy In consideration of Your having paid the premium for the policy period stated in the Schedule or for any further period of insurance
More informationMOTORCYCLE INSURANCE POLICY (SAMPLE)
MOTORCYCLE INSURANCE POLICY (SAMPLE) SAMPLE COLONIAL MOTORCYCLE POLICY 1 COLONIAL MOTOR CYCLE COVER The Colonial Insurance Company Ltd. (hereinafter referred to as Colonial ) agrees to provide insurance
More informationYour Summary of Cover
SPECIALIST INSURANCE FOR STUDENTS Your Summary of Cover Plus Top Up Covers Available To You For Additional Cost Group Scheme for University of Edinburgh Master Policy Number: EDBH2014, academic year 2014/2015
More informationPRODUCT LIABILITY INSURANCE (Richard Oliver Version)
(Richard Oliver Version) OPERATIVE CLAUSE The Underwriters will indemnify the Assured against their legal liability, whether by way of claims made against them or by way of loss or expense incurred by
More informationPersonal Jewelry Insurance Policy
Personal Jewelry Insurance Policy Please read your entire policy carefully This is a jewelry repair or replacement policy Table of Contents Page Agreement.. 1 Definitions.. 2 Property Covered..2 Property
More informationMOTORCYCLE HELMET & LEATHERS AND PERSONAL ACCIDENT INSURANCE DOCUMENTS
MOTORCYCLE HELMET & LEATHERS AND INSURANCE DOCUMENTS Six Wheel Multi-Bike Off Road Custom Future Classic Classic Vintage CONTENTS Helmet & Leathers and Personal Accident insurance 1 Claims procedure &
More informationMotorcycle Policy Summary and Important Information
Motorcycle Policy Summary and Important Information This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be found in the policy documentation. It is
More informationWelcome to Computer Insurance Provided by Loyal Insurance Services Ltd trading as Insurance 2 Go
Introduction Welcome to Computer Insurance Provided by Loyal Insurance Services Ltd trading as Insurance 2 Go This insurance policy provides insurance for your Computer, as detailed in your Certificate
More informationEMPLOYER S LIABILITY INSURANCE SCHEDULE TO THE POLICY
[ 1 Stables Court, The Parade, Marlborough, Wiltshire. SN8 1NP Telephone: 01672-512512 Fax: 01672-516660 www.lycetts.co.uk e-mail: piers.plunket@lycetts.co.uk EMPLOYER S LIABILITY INSURANCE SCHEDULE TO
More informationTerms of business agreement - Commercial clients
Terms of business agreement - Commercial clients Please read this document carefully. It sets out the terms on which Finch Insurance Brokers Ltd agree to act for clients and contains details of our responsibilities
More informationYour policy summary. If you have an accident...call us straight away on 0844 891 5391.
Your policy summary If you have an accident...call us straight away on 0844 891 5391. For our joint protection, calls may be recorded and/or monitored. Your policy summary 2. Your policy summary 5. Important
More informationPhotographic Alliance of Great Britain Clubs Public/Products Liability
Underwritten by Photographic Alliance of Great Britain Clubs Public/Products Liability Policy Summary Arranged by 2 Photographic Alliance of Great Britain Public/Products Liability Policy Summary Photographic
More informationCARRIERS LEGAL LIABILITY INSURANCE POLICY
CARRIERS LEGAL LIABILITY INSURANCE POLICY In consideration of Your having paid the premium, We will indemnify You in respect of loss or damage to Your assets mentioned in the Schedule caused by one or
More informationALL RISKS INSURANCE POLICY
THE ALL RISKS INSURANCE POLICY 1 COMPANY LOGO TO P.O BOX ALL RISKS INSURANCE POLICY Policy Number: Period of Insurance: From: To: (Both dates inclusive) And any subsequent period for which the Insured
More informationWelcome to the Business 2 Business (B2B) Mobile Phone Insurance Cover Provided by Loyal Insurance Services Ltd trading as Insurance2Go
Welcome to the Business 2 Business (B2B) Mobile Phone Insurance Cover Provided by Loyal Insurance Services Ltd trading as Insurance2Go 1 Introduction This insurance policy provides insurance for your mobile
More informationGroup Life Assurance. Registered Policy Terms and Conditions. GLA Policy Conditions and Definitions/06.11(4)
Group Life Assurance Registered Policy Terms and Conditions GLA Policy Conditions and Definitions/06.11(4) GENERAL CONDITIONS 1. PERIOD OF POLICY Subject to the provisions of these General Conditions this
More informationEmployers Liability Policy specimen
Employers Liability Policy Royal & Sun Alliance Insurance plc (No. 93792). Registered in England & Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation
More informationCONTRACTORS ALL RISKS INSURANCE POLICY
CONTRACTORS ALL RISKS INSURANCE POLICY WHEREAS the Insured named in the Schedule by a proposal and declaration which shall be the basis of this contract and is deemed to be incorporated herein has applied
More informationContractors All Risks Policy
Contractors All Risks Policy Whereas the Insured named in the Schedule hereto has made to the Etiqa Insurance Pte. Ltd. (hereinafter called the Company ) a written proposal by completing a Questionnaire
More informationMOTOR TRADE INSURANCE POLICY
MOTOR TRADE INSURANCE POLICY WHEREAS the Insured by a proposal and declaration which shall be the basis of this contract and is deemed to be incorporated herein has applied to the Company for the insurance
More informationKey Protection Policy Booklet
Key Protection Policy Booklet Your cover and what it includes Saga Select s Key Protection is administered by Keycare Ltd. Our Key Protection provides valuable cover for the recovery and replacement of
More informationPersonal Accident - Understanding the Policy
Household Personal Accident Policy www.greeninsurancecompany.co.uk Household Personal Accident Policy Summary Policy Summary About this document Please note that this policy summary does not contain the
More informationwww.startrescue.co.uk 01
INTRODUCTION This policy summary provides key information about the Uninsured Loss Recovery Policy, which you should read. For full terms and conditions of the policy please refer to the policy document
More informationExcess Protection Insurance Policy
Excess Protection Insurance Policy Table of Contents SECTION 1: Policy Structure 2 SECTION 2: Definitions 3 SECTION 3: Eligibility 4 SECTION 4: General conditions of cover 5 SECTION 5: Exclusions 6 SECTION
More informationBell does not make personal recommendations as to the suitability of the Policy to individual circumstances.
Car Hire Cover Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been rendered a total loss in a road traffic accident or stolen recovered incident or had
More informationPUBLIC & PRODUCTS LIABILITY INSURANCE
PUBLIC & PRODUCTS LIABILITY INSURANCE ASSURED: SCHEDULE TO THE POLICY POLICY NUMBER: BUSINESS: PERIOD OF INSURANCE: From: To: (both dates inclusive) INDEMNITY LIMITS: Section: A: Section B: Section C:
More informationHome 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 informationReplacement Vehicle Van Insurance Policy
Replacement Vehicle Van Insurance Policy Express Insurance Services - Replacement Vehicle Policy Summary Express Insurance Services - Replacement Vehicle Insurance Policy Policy Summary This is a summary
More informationPart A Everest Home Emergency Insurance Policy
Part A Everest Home Emergency Insurance Policy IMPORTANT INFORMATION Some important facts about your Everest Home Emergency insurance are summarised below. This summary does not describe all the full terms
More informationTERMS OF BUSINESS AGREEMENT
Insurance and Reinsurance Brokers Iris Insurance Brokers Ltd 7 th Floor, New London House 6 London Street, London, EC3R 7LP United Kingdom. Tel: +44 (0)20 3178 7872 Fax: +44 (0)1702 431 644 Email: mail@irisib.com
More informationAbout Union Income Benefit Holdings Ltd. Contents. UIB Treating Customers Fairly
Life Cover Contents Title Page About Union Income Benefit Holdings Limited 1 Policy Summary 2 Welcome 3 Definitions 3 Life Cover Policy Wording The cover we provide 4 Return of Premiums 4 What we do not
More informationCERTIFICATE OF INSURANCE- MOTORIST LEGAL EXPENSES. Claims Agent PCLE Ltd, PCLE House, Invar Business Park, Invar Road, Swinton, Manchester M27 9HF.
CERTIFICATE OF INSURANCE- MOTORIST LEGAL EXPENSES DEFINITIONS Claims Agent PCLE Ltd, PCLE House, Invar Business Park, Invar Road, Swinton, Manchester M27 9HF. Defendant The person, company or partnership
More informationCLIENT AGREEMENT. Candid Financial Advice Limited 95A High Street Thame Oxfordshire OX9 3EH
Candid Financial Advice Limited 95A High Street Thame Oxfordshire OX9 3EH CLIENT AGREEMENT 1. This document sets out the basis on which we will conduct business with you and on your behalf. It is an important
More informationIn-Car Gadget Insurance
In-Car Gadget Express Services - In-Car Gadget Contents About This Policy Introduction Definitions What is Covered? What is Not Covered? How Can I Claim? Conditions Cancellation Consumer Act Complaints
More informationEXTENDED WARRANTY POLICY WORDING
EXTENDED WARRANTY POLICY WORDING Underwritten by Guardrisk Insurance Company Limited, an Authorized Financial Services Provider, FSP license number 75. Tracker Agility (Pty) Limited is an Authorized Financial
More information