Home Insurance. Policy Summary
|
|
- Adele Caldwell
- 7 years ago
- Views:
Transcription
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
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 informationChoices 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 informationBuildings 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 informationBuildings 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 informationClearchoice 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 informationHome 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 informationPremier 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 informationPreferred 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 informationResidential 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 informationHOME 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 informationLandlord 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 informationKIT & HOME CONTENTS INSURANCE Policy Summary
1 Kit & Insurance Policy Summary KIT & HOME CONTENTS INSURANCE Policy Summary This Kit & Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each
More informationDrive Policy Summary. You can select the cover that suits your needs, from:
Drive Policy Summary Drive 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
More informationHome Insurance. Your Home Emergency policy summary.
Home Insurance Your Home Emergency policy summary. Bank of Scotland Home Emergency policy summary. Bank of Scotland Home Emergency is underwritten by Royal & Sun Alliance Insurance plc. It is an annual
More informationVolvo Car Insurance DESIGNED WITH YOU IN MIND 7 DAYS FREE DRIVEAWAY WITH VOLVO CAR INSURANCE. 60958_453131A_BRO.indd 1 2/12/08 16:45:32
Volvo Car Insurance DESIGNED WITH YOU IN MIND 7 DAYS FREE DRIVEAWAY WITH VOLVO CAR INSURANCE 60958_453131A_BRO.indd 1 2/12/08 16:45:32 60958_453131A_BRO.indd 2 2/12/08 16:45:38 7 Days Free Driveaway with
More informationPolicy Summary. Holiday Home
Policy Summary Holiday Home Leisuredays Holiday Home Insurance is underwritten by Royal & Sun Alliance Insurance Plc (RSA). The Legal Expenses optional cover is arranged by LawShield UK Limited with UK
More informationStudent Product Insurance. Policy Summary
Student Product Insurance Policy Summary Student Product 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
More informationVAN CHOICE INSURANCE POLICY SUMMARY
BUSINESS VAN CHOICE INSURANCE POLICY SUMMARY µ BUSINESS Van Choice Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the
More informationDrive. Policy Summary
1 Drive Policy Summary Drive Policy Summary Drive 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 informationPhotographic Alliance of Great Britain Clubs Public/Products Liability
Underwritten by Photographic Alliance of Great Britain Clubs Public/Products Liability Policy Summary Arranged by 2 Photographic Alliance of Great Britain Public/Products Liability Policy Summary Photographic
More informationHoliday Home Insurance Policy Summary
Insurance Summary Leisuredays Insurance is underwritten by Royal & Sun Alliance Insurance plc. The Legal Expenses cover is provided by Inter Partner Assist SA, and administered on their behalf by Arc Legal
More informationLandlords Insurance. Policy Summary. Page 1
Landlords Insurance Policy Summary Page 1 Landlords Insurance Policy Summary Your Landlords Insurance Underwriter is Aviva. Your Landlords Insurance is an annual contract and may be renewed each year subject
More informationYour 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 informationHow To Get A Police Mutual Car Insurance Policy
Police Mutual Car insurance Policy Summary Police Mutual Car insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms
More informationHome 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 informationFull details of what you have chosen are shown in your personal quotation and policy schedule.
CAR INSURANCE SUMMARY μ Car 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
More informationName of the insurer The Home scheme is underwritten by Royal & Sun Alliance Insurance plc (RSA).
Home Policy Summary This is a summary and does not contain the full terms and conditions of the cover, which can be found in the policy booklet(s). It is important that you read the policy booklet(s) and
More informationHome 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 informationVOLVO CAR INSURANCE. Your complimentary 7 Day Driveaway cover
VOLVO CAR INSURANCE Your complimentary 7 Day Driveaway cover VOLVO CAR INSURANCE DESIGNED FOR YOU AND YOUR VOLVO You ve made a great choice in buying a Volvo. Now we are giving you the opportunity to make
More informationCAR INSURANCE POLICY SUMMARY
CAR INSURANCE SUMMARY μ Car 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
More informationHomeworkers. Policy Summary
Homeworkers Policy Summary 2 Homeworkers Policy Summary Homeworkers Policy Summary Your RSA Homeworkers Policy is an annual contract which may be renewed each year subject to your needs and our terms and
More informationMINI FLEET. Policy Summary
MINI FLEET Policy Summary 2 Mini Fleet Policy Summary MINI FLEET Policy Summary Your RSA Mini Fleet Policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions.
More informationRealty Classic. High Value Home and Worldwide Possessions Insurance Policy Summary. Arranged by Realty Insurances
Realty Classic High Value Home and Worldwide Possessions Insurance Policy Summary Arranged by Realty Insurances Realty Insurances Limited Realty Insurances Limited is an independent firm of Chartered insurance
More informationYour Summary of Cover
SPECIALIST INSURANCE FOR STUDENTS Your Summary of Cover Plus Top Up Covers Available To You For Additional Cost Group Scheme for University of Edinburgh Master Policy Number: EDBH2014, academic year 2014/2015
More informationHaven 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 informationA summary of your cover. And important information
A summary of your cover And important information Policy Summary Argos Pet Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract that provides cover for the cost of
More informationspecialist 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 informationProTeCTInG You and Yours
VolVo Car InsuranCe ProTeCTInG You and Yours Free 7 DaY DrIVeaWaY CoVer, WITH VolVo Car InsuranCe VolVo Car InsuranCe ProTeCTInG You and Yours Just like your Volvo, Volvo Car Insurance has been designed
More informationA QUICK GUIDE TO HOME EMERGENCY. This booklet contains: Information about our insurance services Policy summary Other important information.
A QUICK GUIDE TO HOME EMERGENCY. This booklet contains: Information about our insurance services Policy summary Other important information. ABOUT OUR INSURANCE SERVICES. 1. The Financial Conduct Authority
More informationMAKING MUSIC INSURANCE SCHEME Policy Summary
MAKING MUSIC INSURANCE SCHEME This is a policy summary only and does not contain the full terms and conditions of the policy. Full terms and conditions can be found in the policy document, a copy of which
More informationproperties Policy Summary
properties Policy Summary 2 Properties Policy Summary Properties Policy Summary Your RSA Properties Policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions.
More informationCountrywide Insurance Services. Home protection plan. Exclusive to Countrywide. Proud to be associated with. www.countrywideinsurance.co.
Countrywide Insurance Services Home protection plan Exclusive to Countrywide Proud to be associated with www.countrywideinsurance.co.uk Information booklet Home protection plan information booklet Rebuilding
More informationHow To Get A Vfm Cover Select Policy For A Year
This is a summary of cover highlighting the main features and benefits as well as the general conditions and exclusions of this Policy provided by VFM Cover Select. Full terms and conditions can be found
More informationCrystal Insurance Scheme
TC10022A.qxd:TC0632 8/9/11 09:45 Page 1 Contents Insurance for Tenants Prospectus and Application Form The affordable way to protect your possessions TC10022A.qxd:TC0632 8/9/11 09:45 Page 2 Have you ever
More informationTHURROCK 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 informationHOTELS & RESTAURANTS. Policy Summary
HOTELS & RESTAURANTS Policy Summary 2 Hotels & Restaurants Policy Summary HOTELS & RESTAURANTS Policy Summary Your RSA Hotels & Restaurants Policy is an annual contract which may be renewed each year subject
More informationHome Household Insurance
Home Household Insurance Policy Summary The insurance cover for sections A-D is provided by Covéa Insurance plc, Norman Place, Reading, Berkshire, RG1 8DA. The insurance cover for section E Legal Protection
More informationHome 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 informationSimple. 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 informationParagraph 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 informationSimple. 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 informationHome and Legacy Prestige Home Policy Summary
Home and Legacy Prestige 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.
More informationOAK. HIGH VALUE HOME INSURANCE policy summary OAK UNDERWRITING PLC
OAK HIGH VALUE HOME INSURANCE policy summary OAK UNDERWRITING PLC High Value Home Insurance Policy Summary This document is an overview providing key information about our product. Please see our wording
More informationBroker Direct Home Options Policy Summary
Broker Direct Home Options Policy Summary This policy summary does not contain full details and conditions of your insurance these are contained in your policy documents. Where a heading in UPPERCASE letters
More informationBusiness. Policy Summary
Business Policy Summary 2 Business Policy Summary Business Policy Summary Your RSA Business Policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions.
More informationPolicy Wording Essential Contents Insurance
Policy Wording Essential Contents Insurance Important numbers Here's a handy list of Essential Contents Insurance phone numbers Customer Service Helpline For any general enquires or if you wish to cancel
More informationYour 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 informationThis 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 informationAXA Buy to Let Policy Summary
AXA Buy to Let Policy Summary This policy summary does not contain full details and conditions of your insurance - these are located in your policy booklet. This policy is underwritten by AXA Insurance
More informationHome Insurance Policy. In association with
Home Insurance Policy In association with Home Insurance Policy The following summary does not contain the full terms and conditions of the contract which can be found in the insuring document, a copy
More informationHome 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 informationResidential Property Owners
Residential Property Owners Policy Summary The insurance cover is provided by Liberty Mutual Insurance Europe Limited & Aro Underwriting Group Limited The Residential Property Owners policy is a flexible
More informationWhy 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 informationRoyal & SunAlliance Insurance Group. Foreign Unit Travel Insurance Scheme Summary of Insurance
Royal & SunAlliance Insurance Group Foreign Unit Travel Insurance Scheme Summary of Insurance Personal Accident, Sickness, Temporary Life and Travel Insurance Policy The following provides a summary of
More informationHome 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 informationHome 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 informationYour 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 informationAXA 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 informationA 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 informationSummary 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 informationPOLICY SUMMARY Please read carefully and retain. Property Insurance for Landlord s Buy to Let
POLICY SUMMARY Please read carefully and retain Property Insurance for Landlord s Buy to Let Property Insurance for Landlord s Buy to Let Policy Summary GENERAL This insurance is designed to provide You
More informationSimple. 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 informationCrystal Insurance Scheme. Contents Insurance Prospectus and Application Form. The affordable way to protect your possessions
Contents Insurance Prospectus and Application Form The affordable way to protect your possessions Have you ever thought... what would happen if you had a burglary? How would you replace your precious possessions?
More informationTENANTS 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 informationBROXTOWE 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 informationHOME INSURANCE APPLICATION FORM
HOME INSURANCE APPLICATION FORM Sesame Insure ref no: Firm name: Please complete this form, remembering to sign and date the Declaration at the end. Write in capital letters and tick the boxes as appropriate.
More informationTENANTS 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 informationParagon Advance Landlords Buildings & Contents Policy Underwritten by Zurich Insurance plc. Summary of Cover
Paragon Advance Landlords Buildings & Contents Policy Underwritten by Zurich Insurance plc Summary of Cover Summary of Cover Important you should read this This leaflet provides a summary of the significant
More informationLiabiLity insurance. Policy Summary
LiabiLity insurance Policy Summary 2 Liability Insurance Policy Summary LiabiLity insurance Policy Summary this is an annually renewable Liability insurance underwritten by Royal & Sun alliance insurance
More informationHOME INSURANCE. Your Home Solutions policy summary
HOME INSURANCE Your Home Solutions policy summary Home Solutions policy summary About your home insurance This is a summary of the cover available under the Home Solutions insurance policy and does not
More informationAge UK Home Insurance Policy Summary
Age UK Home Insurance Policy Summary What is the Age UK Home Insurance Policy Summary? This is a summary of cover available under Age UK Home Insurance. It outlines the main benefits and exclusions of
More informationA 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 informationHome 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 informationAffordable 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 informationTENANTS CONTENTS INSURANCE MADE SIMPLE
TENANTS CONTENTS INSURANCE MADE SIMPLE in association with East Durham Homes has negotiated a Home Contents Insurance Scheme designed specifically for our tenants and leaseholders. At these prices, can
More informationSection 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 informationTO 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 informationHome Insurance. Your policy summary AXA ABC
Home Insurance Your policy summary AXA ABC February 2014 Policy summary This policy summary does not contain full details and conditions of your insurance these are located in your policy booklet. This
More informationTENANTS 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 informationTENANTS 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 informationA 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 informationHOME INSURANCE HOME SOLUTIONS POLICY SUMMARY: THE IMPORTANT THINGS YOU NEED TO KNOW
HOME INSURANCE HOME SOLUTIONS POLICY SUMMARY: THE IMPORTANT THINGS YOU NEED TO KNOW Home insurance policy summary Contents Home Solutions policy summary Home Solutions policy summary 1 Buildings cover
More informationHARINGEY 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 informationAge UK Home Insurance Policy Summary
Age UK Home Insurance Policy Summary What is the Age UK Home Insurance Policy Summary? This is a summary of cover available under Age UK Home Insurance. It outlines the main benefits and exclusions of
More informationSimple. 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 informationJUST 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 informationHOME 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 informationHOME INSURANCE HOME SOLUTIONS POLICY SUMMARY: THE IMPORTANT THINGS YOU NEED TO KNOW
HOME INSURANCE HOME SOLUTIONS POLICY SUMMARY: THE IMPORTANT THINGS YOU NEED TO KNOW Home insurance policy summary Home Solutions policy summary About your home insurance This is a summary of the Home Solutions
More informationOAK. High value home insurance POLICY SUMMARY
OAK High value home insurance POLICY SUMMARY High value home insurance Policy Summary The High Value Home Insurance policy is underwritten by Oak Underwriting plc on behalf of Royal & Sun Alliance Insurance
More informationYour 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