Garden Protect Policy Document

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1 Garden Protect Policy Document

2 Contents What is Garden Protect 2 Contract of Insurance 2 Summary of Cover (Limits and Excesses) 2 Definitions 3 Governing Law 3 Cancellation 3 What is covered 4 What is not covered 4 Claims conditions 4 5 Claims procedure 5 General conditions 5 Complaints procedure 5 Compensation Scheme 6 Data Protection Act

3 What is Garden Protect This policy meets the demands and needs of those who wish to insure against the cost of replacing garden plants and contents which are stolen or damaged. The Green Insurance Company does not make personal recommendations as to whether this policy suits individual circumstances. Contract of Insurance Garden Protect insurance is arranged by Business & Domestic Insurance Services with UK General Insurance Limited on behalf of Ageas Insurance Limited. Registered in England No Registered Office: Ageas House, Tollgate, Eastleigh, Hampshire SO23 3YA. Business and Domestic Insurance Services is a trading style of Motorway Direct Plc. who are authorised and regulated by the Financial Services Authority, registration number: , Registered Office: 1 Waterside Court, Bold Street, Sheffield, S9 2LR. UK General Insurance Limited and Ageas Insurance Limited are authorised and regulated by the Financial Services Authority, registration numbers and (respectively). Business & Domestic Administration Services supported by Trent-Services (Administration) Ltd who are authorised and regulated by the FSA under registration no Trent Lodge, Stroud Road, Cirencester GL7 6JN. Company no This can be checked on the FSA register by visiting the FSA s website at or by contacting them on Summary of Cover (Limits and Excesses) This is to certify that we, in consideration of the premium specified in your covering letter, agree to cover you on this insurance for: Garden Cover Limits Excess Loss or damage to garden contents shed, fencing, walls and gates (including decking) tools and machinery garden furniture (including barbeque) statues and ornaments limit per plant, tree or shrub re-landscaping fees 1500 or 2,500 in total in one policy year as stated in your covering letter up to 1,000 up to 750 up to 500 up to 500 up to 500 up to Customer Service

4 Definitions Where we explain what a word means that word will appear highlighted in bold print and will have the same meaning wherever it is used in this policy. Administrator Cover is administered by Business & Domestic Administration Services, Trent Lodge, Stroud Road, Cirencester GL7 6JN. Telephone no: Consequential loss You are not covered for any other costs that are directly or indirectly caused by the event which led to your claim unless specifically stated in this policy. Covering letter Confirmation of cover detailing the limit of liability and premium. Garden Means shed, fencing, walls & gates (including decking), tools and machinery, garden furniture (including barbeque), statues & ornaments, plants, trees or shrubs and lawns normally kept outdoors but within the boundaries of your home. Home Your usual place of residence in the United Kingdom including its outbuildings at the address shown in the covering letter. Limit of liability The maximum amount that can be claimed under this policy as stated in the covering letter up to a total value of 1500 or 00 in any 12 month period. Period of insurance This insurance runs along with The Green Insurance Company policy and if the home insurance policy is cancelled/not renewed, all cover under this insurance will end. Premium Means the amount payable by either a single or monthly payment that you have agreed to pay The Green Insurance Company for insurance cover under this policy. We/our/us/insurer UK General Insurance Limited on behalf of Ageas Insurance Limited. You/your/insured The person named in the covering letter. Governing Law Unless we agree with you otherwise this policy will be subject to English Law and the jurisdiction of English courts. Cancellation We hope you are happy with the cover this policy provides. However, if after reading this policy, this insurance does not meet with your requirements, please call The Green Insurance Company on or return it to The Green Insurance Company, 1 Masterton Way, Tannochside Business Park, Glasgow G71 5PU within 14 days of receipt and they will refund your premium. After this you may cancel the insurance cover at any time by calling or writing to The Green Insurance Company, however the full premium will be charged. The insurer and The Green Insurance Company is not bound to accept renewal of any insurance and may at any time cancel this insurance by sending 14 days notice to the insured at their last known address. Provided the premium has been paid in full (and no claims have been made) the insured will be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the insurance. Customer Service

5 What is covered Loss of or damage to the garden by the following causes: 1. Fire, lightning, explosion or earthquake. 2. Riot. 3. Malicious damage. 4. Collision by vehicles or aircraft. 5. Storm or flood. 6. Theft or attempted theft. 7. Falling trees or branches, lamp posts or telegraph poles. 8. Accidental damage to items covered in the garden. What is not covered 1. Malicious damage caused by you or a member of your family, tenants or paying guests. 2. Damage by birds, animals or insects including domestic pets. 3. Frost damage. 4. Any claim within the first 30 days of the inception date of the policy. 5. The first of each and every claim. 6. Theft of tools or machinery that have not been secured in a locked building whilst not in use. 7. Damage to the garden caused by the escape of water or oil from any fixed water or heating installation or domestic appliance. 8. The intentional act or wilful neglect of the insured. 9. War, invasion, terrorism, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection or military or usurped power confiscation, or nationalisation, civil commotion. 10. Consequential loss. 11. Any legal liability of whatsoever nature directly or indirectly caused by or contributed to, by or arising from ionising radiations or contamination by radioactivity from the combustion of nuclear fuel. 12. Damage caused by pressure waves of an aircraft or other aerial device travelling at sonic or supersonic speed. 13. Liability, which attaches by virtue of an agreement but which would not have attached if the agreement did not exist. 14. Legal Liability of any nature. Claims conditions Please read the following carefully as you need to meet with the conditions of this insurance in order to make a claim. 1. You must notify the Police as soon as you are aware if any property is lost, stolen or maliciously damaged. 2. You must report any claim to the administrator as soon as reasonably possible and provide all information and assistance which we may reasonably require. 3. If you claim for an item under shed, fencing, walls & gates (including decking), tools & machinery, garden furniture (including barbeque), statues & ornaments you will need to provide proof of the items value. To help you do this we recommend that you keep dated photos and copies of receipts. 4 Customer Service

6 4. You must take all reasonable steps to recover any lost or stolen property and advise the administrator without unnecessary delay if the property is returned to you. 5. We will decide whether to repair or replace any item that is lost or damaged or, if it cannot be repaired or replaced, we will pay an amount equivalent to the value of the item at the date of loss or damage. 6. We will not pay for the cost of replacing any undamaged items which form part of a set or pair. UK General Insurance Limited is an agent of Ageas Insurance Limited and in the matter of a claim act on their behalf. Claims procedure You must report any claim to the administrator as soon as reasonably possible, please quote your name, address and Green Insurance Company Household policy number. You may contact the administrator Monday to Friday between 9.00am and 5.00pm on: Telephone: Calls may be recorded for training and compliance purposes. General conditions 1. If you or anyone acting for you makes a claim under this policy knowing the claim to be false, we will not pay the claim and all cover under the policy will cease. 2. All tools and machinery insured under this policy shall be maintained in good condition and used only in accordance with the manufacturer s instructions. Complaints procedure It is our intention to give you the best possible service but if you do have any questions or concerns about this insurance or the handling of a claim you should in the first instance contact the Managing Director of Business & Domestic Insurance Services. The contact details are: The Managing Director, Business & Domestic Insurance Services, 1 Waterside Court, Bold Street, Sheffield, S9 2LR. Tel: Fax: Please ensure your Green Insurance Company Household policy number is quoted in all correspondence to assist a quick and efficient response. In the event you remain dissatisfied you can contact the following: Customer Relations Manager, UK General Insurance Limited, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds LS10 1RJ. Tel: If it is not possible to reach an agreement, you have the right to take your complaint to the Financial Ombudsman Service. The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, Docklands, London, E14 9SR. Tel: The above complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau. 3. Yo u must take reasonable precautions to prevent accidents, loss or damage. 5

7 Compensation Scheme Your insurer is covered by the Financial Services Compensation Scheme (FSCS) which means that you may be entitled to compensation if they are unable to meet their obligation to you. Further information about this is available from the Financial Services Authority or the FSCS. The contact information is: The FSCS, 7th Floor, Lloyds Chambers, Portsoken Street, London, E1 8BN. Tel: Data Protection Act 1998 Please note that any information provided to us will be processed by us and our agents in compliance with the Data Protection Act Information is processed for the purpose of providing insurance and handling claims, if any, which may require us to pass such information to third parties. 6 Customer Service

8 TGIC GPD/1012 The Green Insurance Company 1 Masterton Way Tannochside Business Park Uddingston G71 5PU Registered in Scotland Company number SC VAT number Registered Office 1 Masterton Way Tannochside Business Park Glasgow G71 5PU The Green Insurance Company is an insurance intermediary, authorised and regulated by the Financial Services Authority. For your protection and ours, calls may be recorded.

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