Property Owner s Summary of Cover

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1 Property Owner s Summary of Cover The following is a summary of the policy and does not contain the full terms and conditions, which can be found in the policy. It is important that you read the policy document carefully when you receive it. Name of Insurer: Aviva Insurance Limited. Registered in Scotland, No Registered Office: Pitheavlis, Perth PH2 0NH. Authorised and regulated by the Financial Services Authority. Type of Insurance and Cover: This policy is designed to meet the insurance needs of both residential and commercial property owners, including: Financial Institutions Property Owning Companies Property Management Companies Private Individuals Residents Associations This policy allows you to select from a wide range of covers to tailor your policy to your business insurance needs Key Covers, Features and Exceptions: Your policy includes the following key covers, features and exceptions which are detailed in your policy documentation..

2 Asset Protection Covers, Features and Benefits Property Damage All Risks comprising of: Fire, Lightning, Earthquake, Explosion, Aircraft, Riot, Civil commotion, Strikes, Locked-out workers, Persons taking part in labour disturbances or malicious persons, Storm or Flood, Falling trees, Escape of water from any tank apparatus or pipe, Impact, Sprinkler leakage and Theft plus Accidental Damage, Subsidence and Terrorism Cover for buildings in the period between exchange of contract and completion Cover for Architect s and Surveyor s fees following a total loss Up to 5,000 for replacement of locks if keys are lost due to Theft or Attempted Theft Cover for the contents of common parts included as standard up to the sum insured Removal of debris following a loss Legal expenses for eviction of squatters up to 2,500 Tenant s debris removal up to 25,000 Trace and Access cover up to 50,000 Up to 500 for the cost of Tree Felling, Lopping or Removal if such trees are deemed to be an immediate threat to life or property Please refer to the Property Damage Section of the Policy Wording Wear and tear, gradual depreciation, faulty or defective workmanship, design or materials Mechanical breakdown or electrical failure Pollution or Contamination Acts of Fraud or Dishonesty Theft or attempted theft by any person lawfully in the premises, where you or your partners, directors, employees or household members are involved or from any building not capable of being locked Bursting of tanks and pipes whilst the premises are unoccupied or disused Fire Damage involving the application of heat Damage to gates, fences or moveable property in the open by weather related incidents Unoccupancy conditions The first part of any claim (the policy excess) Up to 500 for the removal of insect nest Reasonable costs of removing and clearing property from the premises as a result of Fly Tipping, up to a maximum of 5,000 The cost to restore damage to the property following the use of the property by tenants for the illegal cultivation of drugs Unauthorised use of electricity, gas or water Risk protection equipment cost of refilling, recharging or replacement following damage

3 Asset Protection Continued Unoccupied premises Once the property has been unoccupied for 45 consecutive days the following conditions must be adhered to: Properties to be inspected internally and externally at least once a week and a written record to be kept Newspapers, correspondence and any other combustible items to be removed on such visits All external doors and windows must be securely locked and all letterboxes and openings must be sealed The property must be maintained in a good state of repair In Summer Months (1 April 31 October) Water must be turned off at the main stopcock In Winter Months (1 November 31 March) Water must be turned off and either drained down or adequate heating left on to prevent the freezing of pipes Glass cover Glass cover features and benefits Cover for breakage (and the cost of boarding up) of all internal or external glass at the premises including: - Sanitary Fittings - Damage to the window and door frames up to 2,000 Breakage of glass in light fittings, vehicles, vending machines or signs Damage to glass by scratching, gradual deterioration or wear and tear, or change in colour or finish Breakage of glass whilst the property is unoccupied or by workmen effecting repairs or alterations The first part of any claim (the policy excess)

4 Revenue Protection Revenue Protection and Business Interruption Business Interruption: Interruption to your business following an insured loss under the Property Damage Section which results in the shortfall in your rental income during the period of insurance you have selected Please refer to the Business Interruption Section of the policy wording Losses excluded under the Property Damage Section of the policy Cover Includes: Indemnity of rental income up to 20% of the building Sums Insured following Damage that results in the property being in an un-liveable condition subject to a maximum indemnity period of 12 months Payment of expenses which continue to be incurred despite a reduction in rental income Any additional expenses which assist in preventing or reducing a drop in rental income, such as the cost of provisional repairs Accountant s fees incurred by you in producing information required by Aviva Loss of income due to damage to a nearby property which prevents tenants gaining access to the premises A reduction in income due to accidental failure of the public electricity, gas, water or telephone supply at the terminal end of the supplier s feed to your premises Loss of rent due to damage at managing agent s premises

5 Legal Liabilities Property Owner s Liability Covers Protection against your legal liability for personal injury to third parties and loss or damage to their property including; obstruction, trespass, nuisance, interference, wrongful arrest and eviction Cover Includes: Actions under the Defective Premises Act Contingent Motor Third Party Liability arising out of the use of vehicles now owned by you within the UK Liability for employee s and visitor s personal belongings Legal costs and expenses defending prosecutions under all relevant Health & Safety legislation Associated court attendance costs Legal liability for financial loss, subject to a maximum in any one period of insurance of 500,000 Please refer to the Property Owner s Liability Section of the policy booklet The first part of any claim (your excess) Cover for acts of terrorism is limited to 2,000,000 per event or the amount stated on the schedule, whichever is lower Loss or damage to property in your custody or control or to products supplied Liability arising out of products supplied in the knowledge that they could affect the navigation, propulsion or safety of any aircraft or other aerial device Injury to employees Pollution unless caused by a sudden and identifiable incident Exposure to, inhalation of, fears of the consequences of exposure to/inhalation of, costs incurred in repairing, removing, replacing, recalling, rectifying, reinstating or managing any property arising out of the presence of Asbestos. Duration of the Policy The policy will remain in force for 12 months from the date of commencement or renewal of the policy, or as otherwise shown on your policy schedule. Cancellation There are no cancellation rights under this policy. How to Claim If you need to make a claims please call our claims line on Our line operates 24 hours a day, 365 days a year. Please have your policy number to hand when calling. For our joint protection telephone calls may be recorded and/or monitored.

6 Complaints Procedure We hope that you will be very happy with the service that we provide. However, if for any reason you are unhappy with it, we would like to hear from you. In the first instance, please contact your insurance adviser. We are covered by the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may refer it to this independent body. Following the complaints procedure does not affect your right to take legal action. Financial Services Compensation Scheme We are members of the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from this scheme if we cannot meet our obligations, depending on the type of insurance and the circumstances of your claim.

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