Why is it so good? What s covered?

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1 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 you need, at a price you want.,000,000 of cover as standard Alternative accommodation Pick your is provided if the home is deemed Core-Cover uninhabitable Contents Cover 2 Personalise your Contents Cover Flexible excess options Includes trace and access Contents Accidental Damage features, walls, windows, doors, outbuildings, garages and events including vandalism or burst pipes. Technology & Entertainment Buildings Cover Buildings Accidental Damage Personal Items Garden Pedal Cycle 3 Add Extra Cover options Legal Expenses Home Emergency provided by DAS provided by DAS

2 Buildings Cover,000,000 of cover as standard Alternative accommodation is provided if the home is deemed uninhabitable Flexible excess options Includes trace and access Buildings Cover protects the property s permanently fixed features, walls, windows, doors, outbuildings, garages and swimming pools against a number of disasters such as fire, storm, flood and subsidence as well as a number of other events including vandalism or burst pipes.

3 Buildings Accidental Damage Covers everything protected by Buildings Cover against accidental damage,000,000 of cover as standard Includes cover for fixed glass Covers accidental damage to drains, pipes and cables For additional protection your customer can add Accidental Damage Cover to any Buildings policy. This will protect everything covered under their Buildings Cover against accidents such as drilling through a pipe or smashing a window. Buildings Accidental Damage also covers the cost of repairing accidental damage to drains, pipes, underground tanks and cables which provide services to the home.

4 Contents Cover Up to 75,000 of cover Increased cover for birthdays and religious festivals New for old cover as standard on all contents Flexibility to add extra contents options Contents Cover protects the things your customers keep in the home, use to furnish the home and which they would take with them if they were to move. For example: furniture, curtains, blinds, rugs, plates and freestanding white goods. To ensure that all your customer s valuables are protected, you can add additional High Risk Items Cover which protects specified valuable items such as clocks, paintings, sculptures, gold items and coin collections. What s next? Once your customer has selected Contents Cover, they can personalise their policy with a selection of cover options to meet their needs. Please note: Contents Cover does not protect items covered under the following additional cover options: Technology & Entertainment, Garden, Pedal Cycles and Personal Items.

5 Contents Accidental Damage Additional protection for your customer s contents against accidental damage Provides the same amount of cover as Contents Cover (up to 75,000) Protects specified High Risk Items Covers the accidental loss of metered water Your customer can add this optional cover to protect their contents against unexpected and unintentional damage, breakage and spills. Contents Accidental Damage provides cover for accidental damage to items such as furniture, clothes (when inside the home), freestanding white goods and the accidental loss of liquefied petroleum gas (LPG) or oil at the home. If your customer chooses to add Garden Cover to their policy, items covered in their garden will also be protected against accidental damage.

6 2 Personal Items Cover Add cover from just.65 per month! Select the amount of cover needed up to 20,000 A further 20,000 of cover for specified items worth over 3,000 Items are covered for up to 60 days overseas Includes Accidental Damage Cover Our Personal Items Cover protects the items your customers carry around with them everyday including jewellery, watches, spectacles, credit/debit cards, cheques, clothing when worn outside the home, disability wheelchairs and even camping equipment when not in use. We offer cover for loss or damage from a wide range of causes including accidental damage. Personalise the amount of cover needed up to 20,000 for items under 3,000. Customers can also add a further 20,000 for specified items valued over 3,000.

7 2 Technology & Entertainment Cover Add cover from just 4.47 per month! Select the amount of cover needed up to 20,000 Items are covered for up to 60 days overseas Includes Accidental Damage Cover Covers music, film and electronic downloads Designed for tech-savvy customers, this cover option protects items such as televisions, home entertainment systems, cameras, portable media players, laptops, tablets, notebooks, mobile phones and musical instruments. It also covers the loss of music, film and electronic data downloaded from a legitimate website. Personalise the amount of cover needed up to 20,000 including 2,500 for loss of music, film and electronic data downloads and,500 for items left in an unattended motor vehicle.

8 2 Garden Cover Add cover from just.58 per month! Select the amount of cover needed up to 20,000 Protect garden furniture against theft, damage, fire and flood We will re-landscape a garden if damaged by the emergency services Garden equipment stored in sheds and garages is covered This option will protect your green fingered customer s treasured trees, plants and hedges as well as equipment, outdoor furniture and portable items including patio heaters, spa pools, play equipment and barbecues. Also, loss or damage caused by the following; fire, explosion, earthquake, falling trees, branches, vandalism, theft and damage caused by the emergency services. Cover starts from,000 and can be increased up to 20,000. If the Contents Accidental Damage option has been added, customers will also benefit from Accidental Damage Cover for their garden.

9 2 Pedal Cycle Cover Add cover from just 2.7 per month! Insure up to 6 bikes valued up to,500 each Bicycles valued between,500-2,500 can be specified on the policy Items are covered for up to 60 days overseas Includes Accidental Damage Cover The Pedal Cycle option provides cover for the loss or damage, including accidental damage, of up to 6 pedal cycles and their accessories. We cover up to 6 pedal cycles valued up to,500 each. Bicycles valued between,500-2,500 can be specified on the policy to receive cover.

10 3 Home Emergency Cover provided by DAS Provides cover for insured incidents that are sudden, unexpected, and require immediate corrective action to: Prevent damage or further damage to the home Make a property safe or secure Relieve unreasonable discomfort, risk or difficulty to an insured person This policy offers 24-hour assistance for home emergencies associated with: Roof damage Plumbing and drainage Main heating system Domestic power supply Toilet unit Home security Lost keys DAS will pay up to 500 (including VAT) for the call-out charge, labour costs, parts and materials to provide help with an insured incident. If the home remains uninhabitable overnight following an insured incident, DAS will pay up to 250 for hotel accommodation on a room-only basis for insured people.

11 3 Legal Expenses Cover provided by DAS Legal Expenses Cover provides confidential advice over the telephone on any personal legal issue under the laws of any EU country, the Isle of Man, the Channel Islands, Switzerland and Norway. It also provides legal costs and expenses to represent you for insured incidents covered by the policy. Legal issues covered by this policy include: Employment disputes Contract disputes Personal injury Clinical negligence Property protection Tax protection Jury service and court attendance Legal defence Identity theft protection The maximum DAS will pay for all claims resulting from one or more event is 50,000.