Source. Product training guide

Size: px
Start display at page:

Download "Source. Product training guide"

Transcription

1 Source Product training guide

2 How to use The Source Online To start placing cases immediately, you ll need to log in using your unique numerical broker ID and password. If you don t have yours please contact agency.admin@thesource.co.uk Once logged in, you ll see the details below. A dark grey coloured button indicates the section that you are currently working on. The indicator strip will turn from red to green when all of the required information is complete. Likewise, the subsection tabs will show an X rather than a tick when the data capture is incomplete. You can save a quote at any stage in the process using the Save tab on the right hand side of the screen. A word of warning though! If you exit without pressing the Save button, you will lose all input data, however, you will be prompted. Residents These are questions relating to whoever PERMANENTLY lives at the property. 2 Source Product Training Guide

3 Declarations These questions relate to the property to be insured. All of the declarations default to YES, however, if any of the declarations are not true then please amend. You will be asked at the bottom of the page to confirm that all declarations are correct, this is important as an incorrect answer may invalidate a future claim. Applicants Please enter the basic details about the applicants to be named on the policy. The named applicants should be the parties who have a financial interest in the property and are named on any mortgage. Source Product Training Guide 3

4 Property This is the basic information about the property. Cover If you know when the policy is to start, you can enter it here. If not, you can tick the box for to be advised and then enter the date at a later stage (quote valid for 90 days). NB: The start date can also be added at the end of the quote, just before submission. Please Note: We offer a facility for your client to receive their documentation electronically via our secure online portal called edocs. If your clients wish to take advantage of this you will be asked for their address later in the quote process. 4 Source Product Training Guide

5 Buildings Cover There is a rebuild calculator built into the system which takes into account the year of build, the number of bedrooms and the postcode giving you the rebuilding cost of the property automatically utilising the building cost information service, an online rebuild database created and maintained by the Royal Institute of Chartered Surveyors. This can however be manually overridden if you need to adjust the figure given. You may find at quote results stage that despite you or the system entering a rebuilding cost, the sum insured will have automatically defaulted to the bedroom rated figure of the insurer. But don t worry as the system will automatically default to the cheapest premium with the highest cover available. Accidental Damage Buildings This is an optional extra, e.g. putting your foot through the ceiling when you are in the attic. The insurers product does include an element of AD as standard; damage to fixed glass, sanitary fittings, ceramic hobs, cables, underground pipes and drains. Excess The system will default to an 150 excess as this is the most common however you can select a higher or lower excess depending on your clients requirements. A higher excess will reduce the premium. The total excess will be the voluntary and compulsory combined. No Claims Discount (NCD) Some insurers offer a discount where the client has not made a claim in the previous 1 to 6 years. Claims are applicable to the client not the property. Contents Cover You can leave the contents sum insured as 0 and The insurers will automatically give the client their minimum CSI e.g. 40, This can be increased up to 150,000. However, entering a lower contents figure than 45,000 may reduce the premium Accidental Damage Contents This is an optional extra, e.g. spilling red wine on the carpet. The insurers product does include an element of AD as standard; damage to mirrors and glass or ceramic hobs plus accidental damage to home entertainment equipment. Valuables If the client has any item worth 1000 or more and the item is in one of the following categories; Articles of Gold & Silver Precious Metals Jewellery and Watches Furs Pictures & Works of Arts Collections of Stamp and Coins Clocks Medal Collections Photographic equipment (Including camcorders) then you will need to individually list them in the valuables section and ensure the total valuables is noted in the box of which includes x of valuables This is not premium bearing but the insurers will need to know. Source Product Training Guide 5

6 Personal Posessions Cover This is cover away from the home (WORLDWIDE). Unspecified these are items that are worth under 1500 that the client wants covered away from the home at any one time. For example, mobile phone, ipad etc. You will need to enter a monetary value here, a minimum of 2,500 and a maximum of up to 50% of the contents sum insured. Specified these are items that are worth 1500 and over which the client wants insured away from the home. N.B. If a client wants cover for an item inside AND outside the home which is worth 1500 or more, you will need to list it in BOTH the valuables and specified personal possessions sections you are not duplicating the cover but insuring the item for their full value inside and outside the home. Security ALARM to qualify for the discount, the alarm needs to have an annual maintenance contract and the firm carrying out the maintenance must belong to one of the following organisations; NSI: National Security Inspectorate NACOSS: National Approval Council of Security Systems SSAIB: Security Systems and Alarm Inspectorate Board LOCKS to qualify for the locks discount, all accessible windows need to have key operated window locks and all doors need to be secured by a deadlock and be fitted top and bottom with security bolts. N.B. The client will need to be aware that the locks and the alarm will need to be put into full and effective operation every time they reside at night or leave the property. If they are not willing to do this, DO NOT TICK THE BOXES as may affect any theft claims. This adds an endorsement on to the policy. Home Emergency Cover This is an optional extra the client can have which includes up to 500 (inclusive of 1 hour labour) of cover for the following emergencies; Water supply system failure (including blocked toilets and external drains within the boundaries of the property) Electricity failure Gas leak Primary heating failure or breakdown Failure Damage to, external door & window locks Pest infestation (wasp/hornet s nests, house/field mice, cockroaches and rats) N.B. There is no excess for this cover. The client can also claim multiple times and it would have no effect on their no claims discount. There is also no lengthy waiting period as the client can claim within 48 hours of the inception date. 6 Source Product Training Guide

7 Quote Results The insurers will quote on both a bedroom rated and sum insured rated basis. Documentation Our system automatically creates full compliance documents so there is no additional work you need to do. Source Product Training Guide 7

8 Insurer BSI CSI Aviva YH 500,000 75,000 Aviva Bright 500,000 35,000 Axa First 350,000 35,000 Axa Extra 1mil 75,000 Covea 500,000 50,000 S- Peg by Ageas) 650,000 65,000 L+G 800,000 40,000 LV 1mil 40,000 Sentinel by Ageas) 50,000 50,000 Ageas 400,000 50,000 Buildings AD as standard AD to cables and underground pipes, fixed glass, solar panels, fixed baths and shower screens NO ACCIDEN- TAL DAMAGE AS STANDARD AD to cables, underground drains, pipes or tanks AD to cables and underground pipes, greenhouses, conservatories AD to fixed glass, solar panels, any cables and underground service pipes AD to to underground pipes, undeground gas pipes and underground cables AD to undeground pipes, fixed glass and ceramic hobs AD to fixed glass, ceramic hobbs, underground pipes and drains AD to drain damage, pipes, underground tanks and fixed glass AD to external cables, fixed glass, solar panels and skylights Insurer Aviva YH Aviva Bright Axa First Axa Extra Covea S- Peg by Ageas) L+G LV Sentinel by Ageas) Ageas Contents AD as standard AD to radios, televisions, home computers, CCTV, fixed glass and mirrors NO ACCIDEN- TAL DAMAGE AS STANDARD NO ACCIDEN- TAL DAMAGE AS STANDARD AD to radios, televisions, home computers, CCTV, fixed glass, mirrors and portable computers AD to radios, televisions, home computers, CCTV, fixed glass, mirrors and games consoles NO ACCIDEN- TAL DAMAGE AS STANDARD AD to business equipment, TVs, computers, mirrors and fixed glass AD to mirrors, glass and damage to home entertainment equipment AD to TVs, home computers, mirrors and fixed glass AD to mirrors, glass, home computer and game console equipment EOW Excess Alternative accomodation Insurer Legals Trace and Access Outbuildings (theft) Insurer Contents in the open Garden cover Money Credit Cards Insurer Freezer Food ,000 Aviva YH 75,000 5,000 2,500 Aviva YH 2,000 NO COVER 750 Cover only if included in PP cover Aviva YH 1, % of buildings sum insured Aviva Bright 75,000 5,000 2,500 Aviva Bright 1,000 NO COVER 500 Cover only if included in PP cover Aviva Bright 1, ,000 Axa First 75,000 5, Axa First NO COVER NO COVER Axa First CSI % of buildings sum insured Axa Extra 75,000 5,000 CSI Axa Extra 1, for plants and trees 500 1,000 Axa Extra CSI ,000 Covea 75,000 5,000 2,000 Covea 500 NO COVER Covea ,000 S- Peg by Ageas) 75,000 5,000 2,500 S- Peg by Ageas) 1, for trees, shrubs, plants and lawns 500 5,000 S- Peg by Ageas) 1, ,000 L+G 75,000 5,000 6,000 L+G 1,000 1, ,000 L+G 1, ,000 LV 75,000 5,000 2,500 LV 1, for plants in the garden 500 Cover only if included in PP cover LV % of buildings sum insured Sentinel by Ageas) 75,000 5,000 5% of CSI Sentinel by Ageas) 1, for plants, lawns, bushes, shrubs and trees Sentinel by Ageas) Yes, within reason Ageas 75,000 5,000 CSI Ageas 1, for flowers, plants, shrubs or trees in pots 750 1,000 Ageas CSI 8 Source Product Training Guide

9 Sales Tips, Selling Techniques and Policy Benefits Quote for the clients needs; doesn t have to be like for like if they didn t need that much cover to begin with e.g. if they don t need 75,000 for contents then don t quote for it and explain to them why it s not necessary. It is important to check the client doesn t have certain items covered elsewhere (e.g. A 6,500 Rolex may be insured with the jeweller so it would not need to be insured under personal possessions section of the household policy as well). This would be classed as dual insurance and the specified insurance (i.e. the jewellers) would always be liable to pay out over the house insurance policy anyway. Always offer everything to the client (this is a part of treating customers fairly also) but be mindful of the standard levels the insurers will give and what the clients actually needs e.g. an 85 year old couple may not need/ want extended accidental damage for their contents. Check the comparison chart/quote summary and advise the client of all the additional levels of cover the insurer gives as standard; a lot of the big insurers shout about levels of cover that most insurers give as standard anyway e.g. 500 for plants. Trace and Access Trace and Access provides cover for tracking and tracing leaks to or from pipe work and other services, plus related items up to the amount of 5,000. Insurance policies that do not include Trace and Access cover would cover the cost of repairing the water damage but would not cover the cost of finding the leak, which is in most cases the biggest cost. It is, perhaps, better explained by way of an example. If a householder has hidden pipes in their bathroom - maybe routed in the walls or under the floors - and one of these bursts or leaks, Trace and Access covers them for the cost of the damage caused by the burst and the cost of finding the pipe, including perhaps any re-tiling or re-laying flooring necessary. The insurers include Trace & Access as STANDARD, up to 5000 cover for the cost of removing and replacing any part of the building to find and repair the source of the water or oil leak and up to 2500 for a leak outside of the home this section of cover provides peace of mind and IS OF NO EXTRA COST TO THE CLIENT. Source Product Training Guide 9

10 Legal Cover The cost of taking legal action can be prohibitive. If the client would struggle financially to claim for such events like unfair dismissal from work or a dispute with a tradesman, legal expenses insurance could help them cover the cost of making a claim. The insurers product includes up to 75,000 worth of legal cover as standard giving the client peace of mind. Comparison Sites and their Pitfalls Clients who search for their insurance on a price comparison website may not realise that they might obtain multiple footprints on their credit file which can affect any mortgage offer they may have or any future application for credit. Clients who have quoted online will usually have higher excesses as they select their voluntary excess but there is normally a compulsory excess added on top which some customers do not realise until they come to claim. Ask them, would they be able to pay 400 up front to start the claim process? Clients who obtain their insurance from these sites can find they are not adequately covered. Sometimes valuable elements of cover are stripped out to reduce the premium and make the policy appear more competitive. This is disastrous for customers when they come to claim. Sometimes the answers to important questions default automatically (e.g. the property is occupied during the day). This may invalidate any claim if untrue. When clients log on to these sites, 100s of companies obtain access to their personal information. They are unable to easily opt out receiving marketing from these firms. Do they really want to be bombarded with telephone calls, s and post? Objection Handling I don t have a spare 30 a month to pay for something that may never happen Empathise with the client Money is tight, however do you think you could afford to replace all of your contents in the event of a fire or a flood? There have been some high profile cases of significant losses due to the floods in 2013 and 2014, I doubt many of those claims could have been paid by the policyholder as they were tens of thousands of pounds. Could they replace their television, laptop or mobile phone if they were burgled? It is important to ask these questions! That is too expensive, I am only paying 15 a month. If what the clients are paying sounds too cheap, tell them it does. Mr Client trace and access is such an important part of an insurance policy. Many of these cheap policies do not cover it. If you had a leak and a wall had to be knocked down or a floor taken up to find where the leak was coming from, could you really afford to pay for that damage to be repaired? By paying a few extra pounds per month, it is peace of mind that you are fully insured. Your property and possessions are your biggest expense so it s so important to make sure you are adequately covered. Ultimately, your client may compromise cover for a cheaper premium and they need to be aware of the potential dangers of this approach. I have to have my insurance with my mortgage company as it s a condition on the mortgage I have It maybe a requirement to HAVE insurance but the lender CANNOT demand it is with them as it is not treating the customer fairly. 10 Source Product Training Guide

11 I have already renewed with my existing insurer Ask the client when their renewal date is. By law, insurance companies have to give the client at least a 14 day cooling off period during which the client can cancel the policy without question. Well Mr Client, I appreciate you have already renewed however you will have a 14 day cooling off period with your current provider so if I can take a few basic details from you, I can see if we can save you some money and discuss your options. Premium Credit Household insurance is an annual policy. If your client wishes to pay monthly there is a small credit charge for this and a credit agreement will be established as there is a charge for the facility. Source use Premium Credit who provide this facility. Premium Credit will handle the direct debit on our behalf. We have a direct link to them via their online systems whereby we can check ANY details that they can. The client will not have to ever call them; anything can be actioned through through us, the Source. We also have a designated telephone line to Premium Credit. Premium Credit will always write out to the client to advise who they are and how much the monthly payment will be. If an address is provided at submission of the policy, Premium Credit will always the client in the first instance. They will also enclose a signed credit agreement that they client MUST sign and return. Credit Agreement The first credit agreement letter will ask the client to go online and sign electronically. However if the client cannot or does not want to sign the online version, a paper copy will be sent to them 7-10 days later. If the credit agreement is not signed, then Premium Credit will charge a 10 fee; this would be refunded in most cases however once the agreement has been signed. The first payment will be taken either 7-10 days after submission or at inception, whichever is the latter. The direct debit date can be changed once the first payment has been collected. If the client calls Premium Credit to change the date they will be charged 5, however if they call us to do this for them there is no charge. There will be 12 monthly instalments and the client will always pay in advance never in arrears (e.g. a payment that goes out on 2nd Jan will cover client until 2nd Feb). This means that if the client does cancel the policy mid term, they would not owe any money. Source Product Training Guide 11

12 Premium Credit Charges There is an 11% charge to pay via monthly direct debit. This charge however is INCLUDED in the monthly amount that is displayed on the quotation results screen THERE ARE NO EXTRA HIDDEN CHARGES. Worldpay The client can avoid any charges if they choose to pay the annual premium in full. Simply enter the client s card details online and submit the application, we will then take the payment. They can of course also pay by cheque. How to use Source Online (ASU) These questions relate mainly to the applicants current work situation 12 Source Product Training Guide

13 How to use Source Online (ASU) (Continued). Basic applicant details Income protection Source Product Training Guide 13

14 How to use Source Online (ASU) (Continued). Mortgage Payment Protection Quote Results 14 Source Product Training Guide

15 How to use Source Online (ASU) (Continued). Comparison of cover Source Product Training Guide 15

16 thesource.co.uk Drake House Plymouth Road Penarth, Cardiff CF64 3TP

plug into our home and landlord s insurance

plug into our home and landlord s insurance plug into our home and landlord s insurance Welcome Choice to pay annually (via Direct Debit or credit/debit card) as well as by monthly Direct Debit! Paymentshield is excited to introduce you to our Home

More information

HOME INSURANCE MADE SIMPLE

HOME INSURANCE MADE SIMPLE HOME INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance TAKE COVER AT HOME! What would you do if your home was flooded or struck by lightning or your valuables were

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

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. 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

If it matters to you, it matters to us.

If it matters to you, it matters to us. Home insurance If it matters to you, it matters to us. We can provide you with a range of home insurance options to bring you and your family more peace of mind. Your home is probably the most valuable

More information

If it matters to you, it matters to us.

If it matters to you, it matters to us. Home insurance If it matters to you, it matters to us. We can provide you with a range of home insurance options to bring you and your family more peace of mind. Your home is probably the most valuable

More information

Paragraph A Loss or Damage What you are covered for:

Paragraph A Loss or Damage What you are covered for: Your Policy Summary Please read this document carefully which provides a summary of cover. It does not show all of the benefits, exclusions or limits. Please refer to your policy booklet and policy schedule

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

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

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

specialist landlords insurance

specialist landlords insurance landlords key facts specialist landlords insurance LetRisks Landlords Insurance Key Facts LetRisks Specialist Landlords Insurance is underwritten by Electrical Contractors Insurance Company Limited (ECIC)

More information

THURROCK COUNCIL REMINDS ALL CUSTOMERS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE

THURROCK COUNCIL REMINDS ALL CUSTOMERS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE THURROCK COUNCIL REMINDS ALL CUSTOMERS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE Many customers believe that Thurrock Council automatically insure their furniture, belongings and decorations against fire,

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

me Insurance Proposal for Home Insurance Home Insurance Proposal for Proposal for COSMOS INSURANCE COMPANY PUBLIC LTD HEAD OFFICE

me Insurance Proposal for Home Insurance Home Insurance Proposal for Proposal for COSMOS INSURANCE COMPANY PUBLIC LTD HEAD OFFICE Proposal for Proposal for Proposal for Home Insurance Home Insurance me Insurance COSMOS INSURANCE COMPANY PUBLIC LTD HEAD OFFICE 46, Griva Digeni Avenue, 1080 Nicosia, P.O.Box 21770, 1513 Nicosia Tel:

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

Home Insurance Guide

Home Insurance Guide Home Insurance Guide Exceptional Service For over 30 years, we have taken pride in developing market-leading products to meet your customers home insurance requirements and our new home insurance product

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

Home Contents Insurance

Home Contents Insurance Home Contents Insurance The Consumer Council WATER VANDALISM FURNITURE THEFT FIRE A guide for people who rent their home Home Contents Insurance A step-by-step guide on what to do Step 1 Read over A guide

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

Simple. Application Form. Household Contents Insurance. Please return your application form to your local housing office

Simple. Application Form. Household Contents Insurance. Please return your application form to your local housing office Simple Household Contents Insurance Household Contents Insurance Application Form Please return your application form to your local housing office LEEDS CITY COUNCIL REMINDS ALL CUSTOMERS TO TAKE OUT HOUSEHOLD

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

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

Clearchoice Policy Summary

Clearchoice Policy Summary Clearchoice Policy Summary Clearchoice Home Insurance, with the exception of the Family Legal Care section, is underwritten by Royal & Sun Alliance Insurance plc. The Family Legal Care section of this

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, Quay Point, Lakeside Boulevard, Doncaster

More information

What do I need to know about Home Insurance? What are the Cover Assumptions? What is the policy excess?

What do I need to know about Home Insurance? What are the Cover Assumptions? What is the policy excess? What do I need to know about Home Insurance? Our Home Insurance policy summary documents (accessible below) briefly outline for you the significant features, benefits, limitations and exclusions of our

More information

Stay safe and protected with EBS home insurance

Stay safe and protected with EBS home insurance Where Family Counts Insurance EBS Home Insurance Stay safe and protected with EBS home insurance GET THREE MONTHS FREE * COVER Lily looks after her brother Tynan at Dublin Zoo, 2008. EBS. Helping families

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

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

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: Newham Council, Income Collection Service, Bridge House, 320 High Street, Stratford,

More information

Home Insurance Proposal Form

Home Insurance Proposal Form Home Insurance Proposal Form Home Insurance Proposal Form Proposal Form There are conditions, limitations, exclusions and excesses within the wording, a copy of which will be provided on request. A copy

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

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 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

HIGH VALUE HOUSEHOLD INSURANCE FACT FINDER

HIGH VALUE HOUSEHOLD INSURANCE FACT FINDER HIGH VALUE HOUSEHOLD INSURANCE FACT FINDER Genavco Insurance Limited Michael s House 10-12 Alie Street London E1 8DE Tel: 020 7702 4300 Fax: 020 7702 4585 HVHIFFv1 Page 1 of 1 02/09 HOUSEHOLD INSURANCE

More information

Buildings Insurance If you select Buildings Insurance, the following will automatically be included:

Buildings Insurance If you select Buildings Insurance, the following will automatically be included: Adelaide Homeshield Policy Summary Homeshield 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 Home Contents Insurance Application Form

Tenants Home Contents Insurance Application Form Tenants Home Contents Insurance Application Form PLEASE RETURN YOUR COMPLETED APPLICATION FORM TO: Viewpoint Housing Association, 4 South Oswald Road, Edinburgh, Lothian, EH9 2HG Viewpoint Housing Association

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

KC Crystal. Home Insurance Proposal Form

KC Crystal. Home Insurance Proposal Form KC Crystal. Home Insurance Proposal Form Household Claims Helpline Open 24 hours a day, 365 days a year 0845 122 3019 Page 2 HH94 Jul 2014 KC Crystal Proposal Form All sections must be completed. If necessary,

More information

Household Insurance Quote Form

Household Insurance Quote Form Household Insurance Quote Form Ref: Babraham 2015 Please complete all of the following information in order for us to provide you with our most competitive quotation. Personal Details: Title: Full Name:

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

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. Important information. Just ask. including your Policy Summary

Home Insurance. Important information. Just ask. including your Policy Summary Home Insurance Important information including your Policy Summary Just ask Demands and Needs This product meets the demands and needs of someone wishing to insure their home and contents for events such

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

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

JUST FOR YOU HOME CONTENTS INSURANCE. Low cost peace of mind. Easy payment weekly, monthly or annually. No excess payment required if you claim

JUST FOR YOU HOME CONTENTS INSURANCE. Low cost peace of mind. Easy payment weekly, monthly or annually. No excess payment required if you claim HOME CONTENTS INSURANCE JUST FOR YOU Low cost peace of mind Easy payment weekly, monthly or annually No excess payment required if you claim Cover for most household items including TV, video, DV D players

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

A simple guide for Home Insurance

A simple guide for Home Insurance A simple guide for Home Insurance Barr Financial Services is regulated by the FSA. FAS no. 506976. INTRODUCTION Buying a new home is a very exciting time and often certain important things like insurance

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

HOME INSURANCE ESSENTIALS POLICY SUMMARY.

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

More information

Home Insurance Questionnaire Republic of Ireland

Home Insurance Questionnaire Republic of Ireland Home Insurance Questionnaire Republic of Ireland Home Insurance Policy Questionnaire There are conditions, limitations, exclusions and excesses within the wording, a copy of which will be provided on request.

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

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

Premier Home Insurance Policy Summary

Premier Home Insurance Policy Summary Premier Home Insurance Policy Summary Home Insurance Thanks for choosing Benenden Home Insurance. It s a good feeling when you know the things you really value are protected, isn t it? That s why we let

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

Proposal Form. Home Contents Insurance

Proposal Form. Home Contents Insurance Proposal Form Home Contents Insurance 1 HOME CONTENTS INSURANCE Welcome FirstPort Home Contents Insurance With FirstPort Insurance Services you can enjoy peace of mind knowing that your most treasured

More information

Home and Legacy Ultra Home Policy Summary

Home and Legacy Ultra Home Policy Summary Home and Legacy Ultra Home Policy Summary This is a policy summary only and does not contain the full terms and conditions of the contract. It does not form part of the contract between you and us. Full

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

Why is it so good? What s covered?

Why is it so good? What s covered? Personalised Home Insurance in 3 steps With over 30 years experience protecting homes, we understand what our Buildings Cover home insurance, we let you create a personalised policy by selecting the cover

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

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

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

Home Insurance Policy Summary

Home Insurance Policy Summary Home Insurance Policy Summary Page 1 Just the cover you need Home Insurance Thanks for choosing ASDA Home Insurance. It s a good feeling when you know the things you really value are protected, isn t it?

More information

Landlord s Residential Property Insurance Policy Summary

Landlord s Residential Property Insurance Policy Summary Landlord s Residential Property Insurance Policy Summary Landlord s Residential Property Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each

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

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

Buildings Insurance If you select Buildings Insurance, the following will automatically be included: Significant Exclusions or Limitations

Buildings Insurance If you select Buildings Insurance, the following will automatically be included: Significant Exclusions or Limitations clearch ice policy summary Clearchoice Home 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 then

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

PRODUCT GUIDE FOR ALL YOUR PROPERTY INSURANCE NEEDS

PRODUCT GUIDE FOR ALL YOUR PROPERTY INSURANCE NEEDS PRODUCT GUIDE FOR ALL YOUR PROPERTY INSURANCE NEEDS Owner Occupier Insurance Rent & Legal Protection Insurance Commercial Property Insurance Non Standard Property Insurance Working from home RENTGUARD

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

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

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 Questionnaire Republic of Ireland

Home Insurance Questionnaire Republic of Ireland Home Insurance Questionnaire Republic of Ireland Home Insurance Policy Republic of Ireland Questionnaire There are conditions, limitations, exclusions and excesses within the wording, a copy of which will

More information

Guide to home insurance

Guide to home insurance Guide to home What is home? Home is an umbrella term that usually applies to two things: buildings and contents. These two types of policy can be bought separately or together, and they cover your home

More information

P A L L A D I U M H o m e I n s u r a n c e P r o p o s a l F o r m

P A L L A D I U M H o m e I n s u r a n c e P r o p o s a l F o r m P A L L A D I U M H o m e I n s u r a n c e P r o p o s a l F o r m P R O V I D I N G P E A C E O F M I N D The Proposer You must take reasonable care to provide complete and accurate answers to all questions.

More information

Home Insurance Choices Proposal Form.

Home Insurance Choices Proposal Form. Home Insurance Choices Proposal Form. This policy is provided and administered by Legal & General Insurance. Points to remember when completing this form: You need to fully complete all the sections on

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

JUST FOR YOU HOME CONTENTS INSURANCE

JUST FOR YOU HOME CONTENTS INSURANCE HOME CONTENTS INSURANCE JUST FOR YOU Low cost peace of mind Easy payment weekly, fortnightly, monthly or annually No excess payment required if you claim Cover for most household items including TV, video,

More information

The Consumer Council. Consumer. for life. Shopping for home contents insurance for people who rent their home VANDALISM THEFT FIRE

The Consumer Council. Consumer. for life. Shopping for home contents insurance for people who rent their home VANDALISM THEFT FIRE The Consumer Council Consumer for life Shopping for home contents insurance for people who rent their home WATER VANDALISM FURNITURE THEFT FIRE An educational pack for tutors and family workers www.consumercouncil.org.uk

More information

Home Insurance - A Guide to Understanding Your Policy

Home Insurance - A Guide to Understanding Your Policy HOME INSURANCE WHAT YOU NEED TO KNOW @BritishInsurers @BritishInsurers 1 Every day, home insurers pay out over 8 million to customers. Unwelcome events, such as flooding or fire, highlight how essential

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

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

Common Questions About Home Insurance. April 2012

Common Questions About Home Insurance. April 2012 Common Questions About Home Insurance April 2012 ABI COMMON QUESTIONS ABOUT HOME INSURANCE 3 Buildings Insurance Should I insure my building s structure for the market value or rebuilding cost? You should

More information

An insurance package designed for flat owners and residents of blocks of flats.

An insurance package designed for flat owners and residents of blocks of flats. Flats Insurance Summary of Cover An insurance package designed for flat owners and residents of blocks of flats. Why choose AXA s Flats Insurance? AXA s Flats Insurance Policy offers you comprehensive

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

www.elmoinsurance.com Home Insurance

www.elmoinsurance.com Home Insurance Home Insurance Because we believe little things make a big difference Elmo Insurance is a respected company linked to global and financially strong reinsurers. Through a commitment to financial strength,

More information

Your Guide To Premiums, Excesses,

Your Guide To Premiums, Excesses, Your Guide To Premiums, Excesses, Discounts and Claims Payments Home & Contents Insurance CONTENTS Your guide to Premiums, Excesses, Discounts and Claims Payments 1 Premiums 1 How various factors affect

More information

Residential Property Owners

Residential Property Owners Residential Property Owners Policy Summary The Residential Property Owners Policy is a flexible Policy offering cover on a sum insured basis for loss or damage to buildings and/or contents. It is designed

More information

Your Home Insurance Policy Summary

Your Home Insurance Policy Summary Your Home Insurance Policy Summary Premier Select Cover John Lewis Home Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to

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

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

Independent consumer guide to home insurance

Independent consumer guide to home insurance Independent consumer guide to home insurance Who we are and what we do We regulate financial services firms in Ireland including banks, building societies, insurance companies, brokers, moneylenders, investment

More information

A Small guide to some Insurance products that you have heard of, but, not sure what they mean!

A Small guide to some Insurance products that you have heard of, but, not sure what they mean! A Small guide to some Insurance products that you have heard of, but, not sure what they mean! Helping you to understand Insurance Please find our guide to some Insurance Products which we know you have

More information

Freetime Home Insurance. Proposal Form

Freetime Home Insurance. Proposal Form Freetime Home Insurance Proposal Form Freetime Home Insurance Proposal Form Please read the Policy Summary prior to completing this proposal form. A specimen Policy document setting out full terms 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

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

LANDLORD INSURANCE MADE SIMPLE

LANDLORD INSURANCE MADE SIMPLE LANDLORD INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance PROTECT YOUR ASSETS There's more to being a landlord than earning rent. You need to juggle lots of things

More information

HOME INSURANCE CHOICES

HOME INSURANCE CHOICES HOME INSURANCE CHOICES POLICY SUMMARY. Our Home Insurance Choices 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

Section 1: Buildings. What is covered. Loss or Damage What you are covered for: Additional Cover Extra benefits included as standard:

Section 1: Buildings. What is covered. Loss or Damage What you are covered for: Additional Cover Extra benefits included as standard: Policy Summary Please read this document carefully, which provides a summary of cover. It does not show all of the benefits, exclusions or limits. Please refer to your policy booklet and policy schedule

More information