Home Insurance. Policy Summary

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1 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 terms and conditions then applicable. You can select contents, buildings and legal expenses insurance and you may also add further benefits to provide cover to suit your needs. Full details of what you have chosen are shown in either your personal quotation or policy schedule. The following tables provide only a summary of the main policy benefits and the terms and conditions. For full details of these and all the terms and conditions that apply you should read the policy document, a copy of which will be provided on completion of your contract or at any time on request. On receipt of your policy documentation, you will have time to decide if you wish to cancel the policy see Your right to cancel the policy for more information.

2 2 Home Insurance Policy Summary Table 1 Contents Insurance If you select Contents Insurance, the following will automatically be included: Features and Benefits Significant Exclusions or Limitations Policy Section New For Old Covers the contents in your home against loss or damage by fire, flood, storm, theft, escape of water and other similar causes. If the sum insured selected is less than the full replacement value, your claim may be reduced. Contents excludes items included in the selectable options for Technology & Entertainment, Garden and Personal Items covers. Contents Freezer Food Loss or damage caused by a rise or fall in temperature. Religious Festivals, Weddings, Civil Partnerships and Birthday Gift Increases The amount insured is increased for one month before and after the event. High Risk Items Clocks, paintings, works of art, stamps or coin collections are insured for a total value of 7,500. You can increase this cover if you wish. A limit of 3,000 applies. You must tell us if any item you own is worth more than 1,500. Contents Contents Contents Clerical Business Equipment Business furniture, office machines and stationery are covered for accidental damage. A limit of 5,000 applies. Contents

3 3 Home Insurance Policy Summary Table 1 Contents Insurance (continued) You may choose to add the following covers to Contents Insurance: Features and Benefits Significant Exclusions or Limitations Policy Section Contents Accidental Damage Provides accidental damage protection to your contents and covers accidental loss of metered water, liquid petroleum gas or oil. A limit of 5,000 applies to loss of metered water. A limit of 2,000 each for liquid petroleum gas or oil. Contents excludes items included in the selectable options for Technology & Entertainment, Garden and Personal Items covers. Contents Accidental Damage Technology & Entertainment Covers most items of technology and entertainment equipment found in the home against loss or damage while in or away from the home in the British Isles and up to 60 days worldwide. A limit of 1,500 applies to items left in an unattended motor vehicle. Technology & Entertainment excludes items included in the selectable options for Garden and Personal Items covers. Technology & Entertainment

4 4 Home Insurance Policy Summary Table 1 Contents Insurance (continued) You may choose to add the following covers to Contents Insurance: Features and Benefits Significant Exclusions or Limitations Policy Section Garden Covers trees, shrubs, plants, hedges and lawns, gardening equipment (including motorised gardening equipment) and garden furniture. A limit of 5,000 applies to garden relandscaping. Accidental damage is not covered unless the Contents Accidental Damage is chosen. Garden excludes items included in the selectable options for Technology & Entertainment and Personal Items covers. Garden Personal Items Covers clothing, jewellery, watches, medals, money, credit cards and items which your family normally wear or carry, plus sports equipment, pedal cycles and camping equipment against loss or damage while in or away from the home in the British Isles and up to 60 days worldwide. A limit of 1,500 applies to items left in an unattended motor vehicle. A limit of 500 applies to loss of money or credit cards. A limit of 500 applies per pedal cycle unless specified. Personal Items excludes items included in the selectable options for Technology & Entertainment and Garden covers. Personal Items You can choose to cover: unspecified items only unspecified and specified items specified items only Unspecified items are those worth less than 1,500 each a minimum sum insured of 500 applies to these items in total although this amount can be increased if you wish. Specified items are those worth more than 1,500 each and these items must be listed individually.

5 5 Home Insurance Policy Summary Table 2 Buildings Insurance If you select Buildings Insurance, the following will automatically be included: Features and Benefits Significant Exclusions or Limitations Policy Section Structure Damage Covers the buildings of your home and other permanent structures on your land such as its garages and outbuildings, drives, walls, fences and gates against damage by fire, flood, storm, subsidence and other similar causes. Damage caused to fences or gates by storm or flood is excluded. For subsidence claims you must pay the first 1,000. Damage caused by structures bedding down or newly made-up ground settling. Damage caused by sulphate reacting with any materials from which your home is built. Buildings You may choose to add the following cover to Buildings Insurance: Features and Benefits Significant Exclusions or Limitations Policy Section Buildings Accidental Damage Covers the accidental breakage of windows and sanitary ware and damage to drains, pipes, cables or underground tanks. Damage or breakage while your home is unoccupied. Damage by gradual deterioration which has caused an installation to reach the end of its serviceable life. Buildings Accidental Damage

6 6 Home Insurance Policy Summary Table 3 Home Emergency Assistance & Legal Expenses s These may be included once you select Buildings and/or Contents Insurance. Features and Benefits Significant Exclusions or Limitations Policy Section Home Emergency Assistance Covers emergency advice and certain repairs if immediate action is necessary. A limit of 500 applies to any one claim. Anything that could be foreseen. Home Emergency Assistance Legal Expenses Gives you and your family up to 50,000 Legal Expenses cover for disputes in relation to: Personal Injury Consumer Protection Residential Employment Tax Excludes some small claims and those without a reasonable chance of winning. Excludes pre-existing disputes and any starting within 90 days unless in connection with a contract starting after cover was taken out. Legal Expenses

7 7 Home Insurance Policy Summary Table 4 General Conditions and Exclusions The following apply to the policy as a whole regardless of the specific cover you have selected. For full details of these and other exclusions and limits please read the policy document. General Conditions and Exclusions No cover is provided for wear and tear, maintenance or anything that happens gradually. If you leave your home unoccupied for more than 60 days in a row, let it to anyone, or use it for trade, professional or business purposes, some covers will be restricted and some will not apply. Policy Section See Sections specified in Tables 1 to 3 Excesses and Limits Your policy will be subject to an excess, which is the amount you must pay in the event of a claim. Also, certain claims limits may apply. These will both be shown in your policy documentation. Policy Section See Sections specified in Tables 1 to 3

8 8 Home Insurance Policy Summary Important Information Your right to cancel the policy If having examined your policy you decide not to proceed with the insurance, you will have 14 days to cancel it starting on the day you receive the policy documentation. To cancel please write to the address or call the number shown on your policy schedule. On receipt of your notice, we will refund any premiums already paid, except when you have already made a claim under your policy. Claims Claims will be handled at the address shown on your Schedule. Should you wish to claim under your Home Insurance policy you should call the Claims Helpline on as soon as possible. You must give us any information or help that we may reasonably ask for. You must not settle, reject, negotiate or agree to pay any claim without our written permission. Full details of how to claim are included in the policy document. Complaints We aim to give customers a high standard of service at all times. If you are unhappy with the service provided for any reason or have cause for complaint you should initially contact the person who arranged the policy for you or the manager of Royal & Sun Alliance Insurance plc at the address shown on your quotation or schedule, as appropriate. They will tell you what they will do to resolve your concerns and how long it will take. In the unlikely event that you remain dissatisfied and wish to make a complaint under either the Home Insurance policy or the Legal Expenses section of the policy, please contact us at the appropriate address below. If the Customer Relations Office cannot resolve the matter to your satisfaction, we will provide you with our final response so that you can, if you wish, refer the matter to the Financial Ombudsman Service at the address below. If you make a complaint, your right to legal action against us is not affected. Compensation Royal & Sun Alliance Insurance plc is a member of the Financial Services Compensation Scheme (FSCS). This provides compensation in case any member goes out of business or into liquidation and is unable to meet any valid claims against its policies. You may be entitled to compensation if we cannot meet our obligations, depending on the circumstances of the claim. Further information about the compensation scheme can be obtained from the FSCS. Home Insurance Legal Expenses Financial Ombudsman Service Customer Relations Manager RSA Bowling Mill Dean Clough Industrial Park Halifax HX3 5WA Customer Services Dept Legal Expenses Division FirstAssist Insurance Services Ltd Marshall s Court Marshall s Road Sutton Surrey SM1 4DU Insurance Division The Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR

9 9 Home Insurance Policy Summary Other Important Information Premiums and payments Premiums are inclusive of Insurance Premium Tax. You may pay for your policy either annually or by monthly instalments. Annual premiums may be paid by direct debit, credit/debit card or by cheque. Monthly instalments can only be paid by direct debit. Renewing your policy At least 21 days before each policy renewal date we will tell you the premium and terms and conditions that will apply for the following year. If you wish to change or cancel the cover then please tell us before the renewal date. If you pay by direct debit we will renew the policy automatically and continue collecting premiums unless you notify us that you wish to cancel the policy. This will also apply to payments by credit/debit card, if you have previously given us permission. For other payment by cheque or credit/debit card, you must submit a further payment if you wish to renew the policy. You will have 14 days to cancel the policy after the renewal date and receive a refund of any premiums paid, as described in Your right to cancel the policy above. Termination of the contract You may cancel the contract by giving us 14 days notice in writing. If you cancel the policy you may be entitled to a refund of premium provided that no claim has been made during the current period of insurance. We may cancel this policy by giving you at least 14 days notice at your last known address. This will not affect your right to make a claim for any event that happened before the cancellation date. If we cancel the policy we may refund premiums already paid for the remainder of the current period of insurance. The law and language applicable to the policy Both you and we may choose the law which applies to this contract. However, unless you and we agree otherwise, the law which applies is the law applicable in the part of the United Kingdom, Channel Islands or the Isle of Man in which you live. Full details will be provided in your policy documentation. The language used in this policy and any communications relating to it will be English. RSA Home Insurance is underwritten by Royal & Sun Alliance Insurance plc which is authorised and regulated by the Financial Services Authority as an insurance company and to undertake insurance mediation under Registration No You can check this on the FSA s Register by visiting the FSA s website gov.uk/register or by contacting the FSA on

10 10 Home Insurance Policy Summary How we use your Information Please read the following carefully as it contains important information relating to the details that you have given us. You should show this notice to any other party related to this insurance. Who we are Home Insurance is underwritten by Royal & Sun Alliance Insurance plc. You are giving your information to Royal & Sun Alliance Insurance plc, which is a member of the RSA Group of companies (the Group). In this information statement, we, us and our refers to the RSA Group of companies unless otherwise stated. How your information will be used and who we share it with Your information comprises of all the details we hold about you and your transactions and includes information obtained from third parties. If you contact us electronically, we may collect your electronic information identifier e.g. Internet Protocol (IP) address or telephone number supplied by your service provider. We may use your information to help us: Assess financial and insurance risks; Recover debt; Prevent and detect crime; Develop our services, systems and relationships with you; Understand our customers requirements; Develop and test products and services. We do not disclose your information to anyone outside the group except: Where we have your permission; or Where we are required or permitted to do so by law; or To fraud prevention agencies and other companies that provide a service to us, our partners or you; or Where we may transfer rights and obligations under this agreement. We may transfer your information to other countries on the basis that anyone we pass it to, provides an adequate level of protection. In such cases, the Group will ensure it is kept securely and used only for the purpose for which you provided it. Details of the companies and countries involved can be provided on request. We would like to keep you informed (by phone, post, or text) of selected products and services available from us and our carefully chosen suppliers. If you would prefer not to receive this information from us and have not previously advised us of this, please let us know when you contact us. From time to time we may change the way we use your information. Where we believe you may not reasonably expect such as change we shall write to you. If you do not object, you will consent to that change. We will not keep your information for longer than is necessary.

11 11 Home Insurance Policy Summary How we use your Information (CONTINUED) Sensitive Information Some of the information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions). We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to carry out the services described in your policy documents. Please ensure that you only provide us with sensitive information about other people with their agreement. Fraud prevention agencies If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example when: Checking details on applications for credit and credit related or other facilities; Recovering debt; Checking details on proposals and claims for all types of insurance; Checking details of job applicants and employees. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies. Claims History Insurers pass information to the Claims and Underwriting Exchange Register (CUE) run by Insurance Database Services Ltd (IDS Ltd). Under the conditions of your policy, you must tell us about any incident (such as fire, water damage, theft or an accident) which may or may not give rise to a claim. When you tell us about an incident, we will pass information relating to it to the register. How to contact the Data Protection Liaison Officer On payment of a small fee, you are entitled to receive a copy of the information we hold about you. If you have any questions, or you would like to find out more about this notice you can write to: Data Protection Liaison Officer, Customer Relations Office, RSA, Bowling Mill, Dean Clough Industrial Estate, Halifax HX3 5WA. Please contact the Data Protection Liaison Officer at the address below if you want to receive details of the relevant fraud prevention agencies.

12 12 Home Insurance Policy Summary Royal & Sun Alliance Insurance plc (No ). Registered in England and Wales at St. Mark s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised and regulated by the Financial Services Authority. For your protection, telephone calls will be recorded and may be monitored. FPS00373 January 2010

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