Residential Abortive Transaction Insurance - Buyer (All Transactions)

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1 Residential Residential Abortive Transaction Insurance - Buyer (All Transactions) Thorogood & Co, Woking DX: Woking 12 Fax / Telephone: Client Ref: STL Reference: Received Date: 20/02/2015 Property: 19 Cotleigh Road, London, NW6 2NL Name and Address of Policy Provider: Northcott Beaton Ltd Fore Street, Heavitree, Exeter, Devon, EX1 2RR Complete searches on property online ontime STL Group plc Edbrooke House DX: Woking 12 St Johns Road Tel: Woking Fax: Surrey GU21 7SE

2 Residential Abortive Transaction Insurance Buyers Key Facts Document This policy summary gives key information about DAS Residential Abortive Transaction Insurance which you should read. It does not contain the full terms and conditions of the policy, which you can find in the DAS Residential Abortive Transaction Insurance policy document. Unless otherwise agreed with the person who sells you this insurance, your cover will be valid for one year. DAS Residential Abortive Transaction Insurance is a legal expenses insurance contract. It will help you by providing protection for costs and expenses if your property purchase does not complete for reasons which are insured under the policy. Features and Benefits For the insured incidents listed below we will pay your costs and expenses in the event of a claim The failure to purchase the property following: The vendor withdrawing the property from sale following receipt and acceptance of an alternative offer from another buyer Significant Exclusions and Limitations Maximum costs payable are 1500 The cost of obtaining information or documents to support your claim Where to find this in your policy wording Page 4, What we will pay Page 4, What is not (a) your withdrawal from the purchase of the property because of; - An adverse legal search - the mortgage lender s valuation of the property being less than 90% of the sum you have offered - your (or the vendors) employers relocation not completing, - your (or the vendors) involuntary unemployment and - your (or the vendors) death, unforeseen illness or bodily injury caused by a sudden or specific incident Any claim resulting from voluntary redundancy. Cost and expenses incurred before the start of this policy. Any property used for business or commercial use. Any claim arising from or relating to flooding, potential flooding or the property being classified on a flood risk area. Page 4 What is not (b) Page 4, What is not (c) (k) (l)

3 Costs and Expenses Conveyancing fees, mortgage arrangement fees, lender fees, valuation report, homebuyer s survey fees, legal fees and disbursements incurred by you in the purchase of the property. Countries covered England and Wales Page 2, The meanings of words in this policy Page 2, The meanings of words in this policy Counselling Service Our qualified counsellors provide over the phone support in dealing with worrying problem. Available 24 hours, seven days a week. Page 8 Cancellation rights We hope you are happy with the cover this policy provides. However, you can cancel the policy without notice within 14 days of taking it out. After this you can cancel it at any time by telling the person who sells you the policy, but you must give 14 days notice of cancellation. You can ask the person who sells you this insurance about getting a refund of premium if you cancel the policy. Making a claim You must give DAS details of any claim as soon as possible. You can telephone us on to make a claim. At this point we will not be able to tell you whether you are covered but we will pass the information you have given to our claims handling teams and explain what to do next. Lines are open 24 hours a day, 365 days a year. Calls may be recorded. Complaints If you have a complaint about our service or about the way we have treated you, please write to our Customer Relations Department at our Head Office address shown below. Alternatively you can telephone us on or us at A copy of our internal complaint-handling procedure is available on request. If you are still not satisfied, you can contact the Financial Ombudsman Service at: South Quay Plaza, 183 Marsh Wall, London E14 9SR They can also be contacted by telephone on Their website is at

4 Using this service does not affect your right to take legal action. Our head and registered office DAS Legal Expenses Insurance Company Limited, DAS House, Quay Side, Temple Back, Bristol BS1 6NH DAS is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if DAS cannot meet its obligations. This will be dependent on the type of business and the circumstances of the claim. You can get more information about the compensation scheme arrangements from the FSCS website, DAS Legal Expenses Insurance Company Limited. Head and registered office: DAS House, Quay Side, Temple Back, Bristol BS1 6NH. Telephone Fax: Website: Registered in England and Wales. Company Number DAS Legal Expenses Insurance Company Limited is authorised and regulated by the Financial Conduct Authority.

5 Residential Abortive Transaction Insurance Buyers Policy

6 Counselling helpline service Call We will provide you with a confidential counselling service, 24 hours a day, seven days a week, over the phone including, where appropriate, referral to relevant voluntary or professional services. Any costs incurred when using the referral services will be your responsibility. We will not accept responsibility if the Helpline Service is unavailable for reasons we cannot control. The meaning of words in this policy The following definitions apply to this policy and shall keep the same meaning wherever they appear in this policy in bold: Costs and expenses Conveyancing fees, mortgage arrangement fees, mortgage lenders valuation, home buyer s, survey fees, legal fees and disbursements incurred by you in the purchase of the property. Countries covered England and Wales. Date of occurrence The date you are aware, or should be aware, that the purchase of the property will not be completed. Date of issue The date you instruct your solicitor to start the conveyancing work to complete the purchase of the property. If the property is purchased at an auction, the date of issue will be the date of the auction where your bid successfully won the auction. Legal search Regulated and Official Drainage search, Regulated and Official Local Authority search, Local Land search and Land Registry search. Property The property as declared to us. Period of insurance 365 days from the date of issue. We, us, our, DAS DAS Legal Expenses Insurance Company Limited. You, your The person/s who have taken out this policy. 2

7 Welcome to DAS Thank you for taking out a DAS Home Buyers policy. You are now protected by Europe s leading legal expenses insurer. To make sure you get the most from your DAS cover, please take time to read this policy which explains the contract between you and us. Useful information 1. You are the only person able to report a claim under this policy, if you wish to make a claim under your policy, please phone us on When making a claim please include a copy of the letter appointing your solicitor to purchase your property, an invoice detailing the costs to be claimed, and confirm the reasons why the purchase did not proceed. 3. We will give you a claim reference number. At this point we will not be able to tell you whether you are covered but we will pass the information you have given us to our claims handling teams and explain what to do next. Alternatively, you can your claim to us at Problems We will always try to give you a quality service. If you think we have let you down, please write to our Customer Relations Department at our Head Office address shown below. Or you can phone us on or us at Details of our internal complaint-handling procedures are available on request. If you are still not satisfied, you can contact the Insurance Division of the Financial Ombudsman Service at: South Quay Plaza, 183 Marsh Wall, London E14 9SR. You can also contact them on: (free from a landline) or (free from some mobile phones). Website: Using this service does not affect your right to take legal action. Paul Asplin Chief Executive Officer, DAS Group Our Head and Registered Office: DAS Legal Expenses Insurance Company Limited, DAS House, Quay Side, Temple Back, Bristol BS1 6NH. Registered in England and Wales, number Website: DAS Legal Expenses Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. 3

8 Our agreement What we will pay We will pay costs and expenses incurred following an insured incident, provided that the most we will pay for all claims resulting from one or more event arising at the same time or from the same originating cause is 1,500, provided that: (a) the premium has been paid; and (b) the date of occurrence is during the period of insurance. Insured incidents To make a claim call What is covered What is not covered Home buying costs (1) The failure to purchase the property following: (a) the vendor withdrawing the property from sale following receipt and acceptance of an alternative offer from another buyer. (b) your withdrawal from the purchase of the property because of; (i) an adverse legal search, or (ii) the mortgage lender s valuation of the property being less than 90% of the sum you have offered. (c) your or the vendor s withdrawal from the purchase of the property because of your or the vendor s: (i) employers relocation not completing, (ii) involuntary unemployment, (iii) death, unforeseen illness or bodily injury caused by a sudden or specific accident. (a) The cost of obtaining information or documents to support your claim. (b) Any claim resulting from voluntary redundancy. (c) Cost and expenses incurred before the start of this policy. (d) Fines, penalties, compensation or damages which you are ordered to pay by a court or other authority. (e) Any legal action that you take which we have not agreed to, or where you do anything that hinders us (f) A dispute with us not otherwise dealt with under Condition 5. (g) Any claim relating to any illness, injury or condition you had before the start of this policy. (h) Any claim relating to psychological injury or mental illness. (i) Any defect in a title which can be rectified or for which an insurance policy can provide cover for. 4

9 To make a claim call What is covered What is not covered (j) A claim caused by, contributed to by or arising from: (i) ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel (ii) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear part of it (iii) war, invasion, foreign enemy hostilities (whether war is declared or not), civil war, rebellion, revolution, military force or coup (iv) pressure waves caused by aircraft or any other airborne devices travelling at sonic or supersonic speeds. (k) Any property used for business or commercial use. (l) Any claim arising from or relating to flooding, potential flooding or the property being classified on a flood risk area. 5

10 Policy Conditions 1. Observance of policy terms You must: (a) keep to the terms and conditions of this policy (b) take reasonable steps to avoid and prevent claims (c) take reasonable steps to avoid incurring unnecessary costs (d) send everything we ask for, in writing; (e) report to us full and factual details of any claim as soon as possible and give us any information we need. 2 Your responsibilities You must co-operate fully with us and must keep us up-to-date with the progress of the claim. 3 Offers to settle a claim (a) You must tell us if anyone offers to settle a claim and you must not negotiate or agree to a settlement without our written consent. (b) If you do not accept a reasonable offer to settle a claim, we may refuse to pay further costs and expenses. 4 Withdrawal of Coverage If you settle or withdraw a claim without our agreement, or do not give suitable instructions to us, or your solicitor, we can withdraw cover and will be entitled to reclaim from you any costs and expenses we have paid. 5 Arbitration If there is a disagreement between you and us about the handling of any claim that is not resolved through our internal complaints procedure, you can contact the Financial Ombudsman Service for help. A disagreement may also be referred to an independent arbitrator. The arbitrator will be a Barrister chosen jointly by us and you. If there is a disagreement over the choice of arbitrator, we will ask the Chairman of the Bar Council to decide. If the arbitrator finds in our favour, you will be responsible for the costs of arbitration. 6 Termination of policy You can cancel this policy by telling us within 14 days of taking it out or at any time afterwards as long as you tell us at least 14 days beforehand. We can cancel this policy at any time as long as we tell you at least 14 days beforehand. 7 Fraudulent claims We will, at our discretion, void the policy from inception, or from the date of claim, or alleged claim, or we will not pay the claim if: (a) a claim made by you to obtain benefit under this policy is fraudulent or intentionally exaggerated, whether material or not; or (b) a false declaration or statement is made in support of a claim. 8 Claims under this policy by a third party Apart from us, you are the only person who may enforce all or any part of this policy and the rights and interests arising from or connected with it. This means that the Contracts (Rights of Third Parties) Act 1999 does not apply to the policy in relation to any third-party rights or interest. 9 Other insurances If the insurance provided by this policy is also covered by another policy, or would have been covered if this policy did not exist, we will only pay our share of the claim, even if the other insurer refuses the claim. 6

11 10 Applicable law This policy will be governed by the law of England and Wales. 11 Period of insurance The period of insurance will end 365 days after the date of issue of the policy or when you make a claim, whichever happens first and is not renewable. Data protection To provide and administer the legal expenses insurance we must process your personal data (including sensitive personal data) that we collect from you in accordance with our Privacy Policy. To do so, we may need to send your information to other parties, such as lawyers or other experts, the court, insurance intermediaries, insurance companies, appointed service providers or members of the DAS UK Group. In doing this, we will comply with the Data Protection Act Unless required by law or by a professional body, we will not disclose your personal data to any other person or organisation without your written consent. For any questions or comments, or requests to see a copy of the information we hold about you, please write to the Group Data Protection Controller at our DAS Head Office address. 7

12 Your important information Claims helpline Call when you need to make a claim Counselling helpline Call for confidential counselling Homebuyers (Ins buyers)/das10799/mar14

13 Residential Abortive Transaction Insurance Keyfacts

14 Residential Abortive Transaction Insurance Key Facts Document This policy summary gives key information about DAS Residential Abortive Transaction Insurance which you should read. It does not contain the full terms and conditions of the policy, which you can find in the DAS Residential Abortive Transaction Insurance policy document. Unless otherwise agreed with the person who sells you this insurance, your cover will be valid for one year. DAS Residential Abortive Transaction Insurance is a legal expenses insurance contract. It will help you by providing protection for costs and expenses if your property purchase does not complete for reasons which are insured under the policy. Features and Benefits For the insured incidents listed below we will pay your costs and expenses in the event of a claim Buyers The failure to purchase the property following: The vendor withdrawing the property from sale following receipt and acceptance of an alternative offer from another buyer your withdrawal from the purchase of the property because of; - An adverse legal search - the mortgage lender s valuation of the property being less than 90% of the sum you have offered - your (or the vendors) employers relocation not completing, - your (or the vendors) involuntary unemployment and - your (or the vendors) death, unforeseen illness or bodily injury caused by a sudden or specific incident Sellers The failure to sell the property following: your withdrawal from the sale of the property because of; Significant Exclusions and Limitations Maximum costs payable are 1500 The cost of obtaining information or documents to support your claim Any claim resulting from voluntary redundancy. Cost and expenses incurred before the start of this policy. Any property used for business or commercial use. Any claim arising from or relating to flooding, potential flooding or the property being classified on a flood risk area. Fines, penalties, compensation or damages which you are ordered to pay by a court or other authority. Any legal action that you take which we have not agreed to, or where you do anything that hinders us A dispute with us not otherwise dealt with under Condition 5. Where to find this in your policy wording Page 4, What we will pay Page 4, What is not covered Page 4 What is not covered Page 4, What is not covered covered

15 Residential Abortive Transaction Insurance Key Facts Document -an adverse legal search, or -the mortgage lender s valuation of the property being less than 90% of the sum you have accepted. -structural defects leading to a revised valuation of the property -your or the buyer s withdrawal from the sale of the property because of your or the buyer s: -employers relocation not completing, -involuntary unemployment, -death, unforeseen illness or bodily injury caused by a sudden or specific accident. Costs and Expenses Conveyancing fees, mortgage arrangement fees, lender fees, valuation report, homebuyer s survey fees, legal fees and disbursements incurred by you in the purchase of the property Countries covered England and Wales Counselling Service Our qualified counsellors provide over the phone support in dealing with worrying problem. Available 24 hours, seven days a week. Any claim relating to any illness, injury or condition you had before the start of this policy. Any claim relating to psychological injury or mental illness. Any defect in a title which can be rectified or for which an insurance policy can provide cover for. A claim caused by, contributed to by or arising from: -ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel -the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear part of it -war, invasion, foreign enemy hostilities (whether war is declared or not), civil war, rebellion, revolution, military force or coup -pressure waves caused by aircraft or any other airborne devices travelling at sonic or supersonic speeds. -Any property used for business or commercial use. (l) Any claim arising from or relating to flooding, potential flooding or the property being classified on a flood risk area. Page 2, The meanings of words in this policy

16 Cancellation rights We hope you are happy with the cover this policy provides. However, you can cancel the policy without notice within 14 days of taking it out. After this you can cancel it at any time by telling the person who sells you the policy, but you must give 14 days notice of cancellation. You can ask the person who sells you this insurance about getting a refund of premium if you cancel the policy. Making a claim You must give DAS details of any claim as soon as possible. You can telephone us on to make a claim. At this point we will not be able to tell you whether you are covered but we will pass the information you have given to our claims handling teams and explain what to do next. Lines are open 24 hours a day, 365 days a year. Calls may be recorded. 4

17 How to make a complaint If you have a complaint about our service or about the way we have treated you, please write to our Customer Relations Department at our Head Office address shown below. Alternatively you can telephone us on or us at A copy of our internal complaint-handling procedure is available on request. If you are still not satisfied, you can contact the Financial Ombudsman Service at: South Quay Plaza, 183 Marsh Wall, London E14 9SR They can also be contacted by telephone on Their website is at Using this service does not affect your right to take legal action. Our head and registered office DAS Legal Expenses Insurance Company Limited, DAS House, Quay Side, Temple Back, Bristol BS1 6NH DAS is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if DAS cannot meet its obligations. This will be dependent on the type of business and the circumstances of the claim. You can get more information about the compensation scheme arrangements from the FSCS website, DAS Legal Expenses Insurance Company Limited. Head and registered office: DAS House, Quay Side, Temple Back, Bristol BS1 6NH. Telephone Fax: Website: Registered in England and Wales. Company Number DAS Legal Expenses Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. 5

18 Agent s Address FLP5/Classic/KF/DAS7863/Oct13

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