All the protection you need

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "All the protection you need"

Transcription

1 Insurance

2 All the protection you need When it comes to protecting what matters most, from the future of your family to your home and its contents, we can help you find the cover you need. To find out more you can go to barclays.co.uk/insurance call us on *, or visit us in branch.

3 Contents 03 Find the right insurance for you Finer Home Insurance Travel insurance Personal accident insurance Life insurance Other policies

4 Finer Home Insurance 04 Home insurance at a level that suits you When you need to make a claim we are there for you. Our claims team is available 24/7, 365 days a year. Contents insurance Switching promise 50,000 Standard cover for possessions in your home for theft and damage caused by fire and flood amongst other risks that are listed within policy documents. Cover can be increased up to 80,000 if required. 3,000 For the theft of belongings in garages and outbuildings. Damage by other insured events, such as fire, is covered up to the contents sum insured. 10,000 For unspecified valuables such as jewellery and works of art (single items worth more than 2,500 can be specified on your policy). Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. barclays.co.uk/homeinsurance * in branch

5 Finer Home Insurance 05 Optional extras for an additional premium Accidents Choose from two levels of cover: First level covers damage to mirrors, fixed glass in furniture and non-portable home entertainment equipment. Second level covers all other accidental damage to contents in the home. Worldwide Worldwide cover for loss or damage to personal belongings including clothing, jewellery, mobile phones, MP3 players, tablets, sports and photographic equipment choose your level of cover up to 10,000. Bike protection Worldwide pedal cycle cover to insure your bike for loss or damage at home and away choose your level of cover up to 2,500. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. How to apply in branch * barclays.co.uk/homeinsurance Remember to have the following to hand: Details of your property and its contents. Any claims made in the past five years, including dates and amounts claimed.

6 Finer Home Insurance 06 Buildings insurance 500,000 Standard cover for damage caused to your home by fire, flood, storm and subsidence, amongst other risks that are listed within the policy document. Legal liability Switching promise Up to 2 million to cover your legal liability as owner for incidents at the property. Up to 100,000 To cover the cost of alternative housing for you and your pets in the event of your home being uninhabitable due to an insured event. Optional extras for an additional premium Accidents Choose from two levels of cover: First level covers accidental damage to fixed glass and bathroom fittings. Second level covers accidental damage occurring to all of your building, and its fixtures and fittings, not already covered by your buildings policy. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. barclays.co.uk/homeinsurance * in branch

7 Finer Home Insurance 07 Optional extras for both building and contents insurance for an additional premium Emergency Home emergency cover up to 1,000 for call out, parts and labour, including central heating failure, blocked drains and problems with vermin such as rats or wasps inside your property. Legal expenses Up to 50,000 to pay for a qualified person to act on your behalf in the event of an employment, consumer, personal injury, or property dispute. Plus, you can call 24 hours a day for confidential legal advice on personal matters. Matching items Cover for undamaged items that form part of a set, suite or pair, should one item be damaged and cannot be repaired or replaced with a match. Protected no claims Safeguard your accumulated no claims discount if you have been insured and claims-free for five years. Switching promise We promise to reimburse any cancellation fees, should you have to pay any to your existing insurer when you switch your home insurance to us. A cancellation fee is a fee charged by your previous insurer for cancelling your insurance and does not include any broker fees or premium you are due to pay. You ll need to give us evidence of cancellation and confirmation of the fee paid to qualify. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. How to apply in branch * barclays.co.uk/homeinsurance Remember to have the following to hand: Details of your property, including construction type and year of build. Any claims made in the past five years, including dates and amounts claimed. The rebuild cost of your property.

8 Finer Home Insurance 08 Finer Home Insurance for bespoke high-value protection Contents insurance Contents cover worth 80,000 and above. Worldwide cover Cover for your personal belongings wherever you are in the world. Pairs, sets and suites We will replace a whole matching set if just one damaged item cannot be replaced. Student cover Up to 5,000 cover for members of your household in full-time education. Fine Arts and Antiques Optional cover on artworks and antiques for loss or damage in your home or elsewhere, if temporarily removed. There is a single article limit of 15,000 unless individually specified. Will rise up to 200% of amount insured if value increases on death of artist. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. How to apply in branch * barclays.co.uk/finer Remember to have the following to hand: Details of your property, including construction type and year of build. Any claims made in the past five years, including dates and amounts claimed. The rebuild cost of your property.

9 Finer Home Insurance 09 Buildings insurance For properties with a rebuild value of over 500,000. Re-landscaping Up to 25,000 for re-landscaping your garden after fire, explosion, malicious persons, riot, being hit by vehicles, animals or aircraft, or up to 5,000 for theft or attempted theft. Second home Cover can include second homes buy-to-let properties and weekend homes in UK, France, mainland Spain, Republic of Ireland, or Portugal. Leaks Up to 15,000 for costs of tracing and assessing water leaks. Public liability cover 24/7 Claims helpline available 24 hours a day, 365 days a year, with a dedicated claims manager to handle your claim from start to finish. Worth up to 10 million. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. How to apply in branch * barclays.co.uk/finer Remember to have the following to hand: Details of your property, including construction type and year of build. Any claims made in the past five years, including dates and amounts claimed. The rebuild cost of your property.

10 Travel insurance 10 Travel insurance to suit your holiday plans Your trip, your insurance Choose either Single or Annual Multi- Trip insurance and between three levels of cover Travel Essentials, Travel and Travel Plus. Cover Travel Essentials Travel Travel Plus Medical emergency & repatriation expenses Cancellation/ cutting short your trip 1 million 5 million 10 million 500 2,500 5,000 Travel delay Delayed baggage Personal baggage (optional) 500 1,250 1,500 Personal money (optional) Personal liability 1 million 2 million 2 million Legal expenses 10,000 15,000 25,000 Independent Traveller cover Travel Plus and Travel Insurance both come with cover for independent travellers, which protects against unforeseen events such as airline strikes, airport closures or an epidemic. Excesses apply under some sections of cover. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. barclays.co.uk/travelinsurance * in branch

11 Travel insurance 11 Optional extra cover for an additional premium Wedding Additional cover for wedding rings and gifts if you re getting married overseas. Winter sports Protection against injury, loss or damage of equipment, unused hire costs and piste closure. Golf Cover for equipment, replacement hire costs and green fees. Business Covering you if you re travelling on business (available on Annual Multi-Trip policies only). Travel policy ages Policies available to those aged for Single-Trip, for Annual Multi-Trip and under- 16s if they are on a family policy. If you re over 79 we can still help you to find cover just call us on *. Extended Trip travel insurance Medical and cancellation Up to 5 million cover for medical emergencies and repatriation, and up to 3,000 cover if you have to cancel or cut short your trip. Independent Traveller cover See table for details days Worldwide cover for days for travellers aged 40 and under at the start of their trip. Optional cover Options available for personal money, personal baggage and winter sports. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. barclays.co.uk/travelinsurance * in branch

12 Personal insurance 12 Personal accident insurance if the unexpected happens Personal Accident Plan Financial protection against any immediate financial difficulties you encounter after an accident or injury. Up to 250,000 Claim a lump sum, depending on the extent of your injury, up to 250,000 for Gold Cover. No medical You can get cover in minutes. Choice Choose from two levels of accident insurance cover. Instant cover We won t keep you waiting. 24/7 Coverage 24 hours a day, 365 days a year, almost anywhere in the world. Family cover You have the option to include cover for your partner and children aged six months to 23 years (children have reduced levels of cover please see the policy summary for details). Don t miss out You can receive your benefits on top of any other insurance, compensation or state benefits to which you re entitled. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. barclays.co.uk/healthinsurance * in branch

13 Life insurance 13 Life insurance to protect your loved ones Life insurance Tailored cover so you can keep caring for your family whatever happens. Lump sum A cash lump sum if you die before your policy ends, or if you are diagnosed with a terminal illness before the last 12 months of your policy and you are not expected to live more than 12 months. Fast cover Get a quick quote in two minutes, in branch or on the phone, and be covered in 15 minutes years Cover can be taken from the age of and must finish by the age of 70. Barclays Life Insurance is provided by Aviva Life and Pensions UK Limited. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. barclays.co.uk/lifeinsurance * in branch

14 Life insurance 14 Tailored benefits Up to 500,000 Cover can be provided from a minimum of 5,000 up to a maximum of 500,000 dependent upon age. Term cover Choose from Level, Family Decreasing or Mortgage Decreasing Term cover. Sole/joint names Cover can be taken in sole or joint names. Choice Choose your level of cover, or the amount you want to pay every month. 6 a month Premiums start from 6 a month and are guaranteed not to change during the life of the policy. From one to 51 years The term of cover can be from one to 51 years. Barclays Life Insurance is provided by Aviva Life and Pensions UK Limited. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. How to apply in branch * Remember to have the following to hand: the names of any illnesses that run in your family. information about any medication you re currently taking or treatment you re having. your doctor s details.

15 Life insurance 15 Mortgage Life or Life with Critical illness cover designed to help protect your mortgage, helping to keep the family home. Life Cover Life Cover pays out a lump sum if you die during the length of the policy or are diagnosed with a terminal illness and you are not expected to live more than 12 months. Terminal Illness Cover is not available during the last 12 months of your policy. Life with Critical Illness Cover Life with Critical Illness Cover pays out a lump sum if you die during the length of the policy, or are diagnosed with a terminal illness or with one of the specified critical illnesses. Terminal Illness Cover is not available during the last 12 months of your policy. Sole or Joint You can have cover on a joint or sole basis dependent upon your needs. Term Cover You can choose from level or decreasing cover dependent upon the mortgage repayment method. Complete retailer If you are interested in cover that could be used to help repay your mortgage debts, our Mortgage advisors can offer free advice on Life insurance with or without Critical Illness Cover From 6 a month Premiums start from 6 a month and are guaranteed not to change during the life of the policy, unless you make a change to the policy. Policies are provided by Legal & General Speak to one of our Mortgage Advisors at your local branch or call us on * barclays.co.uk/homeinsurance * in branch

16 Other policies 16 Other policies you may find useful Student Possessions Insurance Up to 500 Flexible cover Money Computer Individual items covered up to 500 each (or more if you specify separately). You can choose the limit of the cover you want, between 2,000 and 8,000. You can claim up to 100 for personal money that is lost or stolen, and up to 500 for fraudulent use of credit and debit cards anywhere in the world. Optional cover for loss or damage to your personal computer equipment within the UK (between 500 min and 2,000 max). Up to 250 Up to 1,000 Protection Portable Accidental damage cover for home entertainment equipment, mirrors and glass. Tenant s liability cover including cover for loaned college property and library books. Protection against fire, theft, flood, civil unrest and other risks. Option to extend cover to portable items including mobile phones. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. barclays.co.uk/studentinsurance * in branch

17 Other policies 17 Business Insurance tailored for your business Run a business and want to protect it from risks? Barclays Business Insurance (brought to you and provided by Allianz) is designed to help you. Insurance packages Choose the most relevant package for your trade or profession, with no need to select individual covers. Each package includes key covers for your chosen industry and you ll have the option to include extra protection to tailor the package to your needs. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. How to apply in branch barclays.co.uk/businessinsurance

18 Other policies 18 Insurance packages Complete contractor Complete business Complete motor trade Complete property owner For construction trades or professional services. For manufacturing, assembling, warehousing and other businesses. Specialised cover for those in the motor trade. Insurance for landlords of commercial and residential properties. Complete office For all types of offices and surgeries. Complete retailer For shops, restaurants and bars. Complete homeworking For those who work from home. Individual cover Choose individual covers to build your own package. Select from 23 different types of cover. Terms, conditions and exclusions apply. Please read the policy document and summary so you know what s covered and what s not. How to apply in branch barclays.co.uk/businessinsurance

19 Terms and conditions Data Protection Act Under the Data Protection Act you have a right of access to certain personal records. Should you wish to exercise this right, please write to the Data Protection Team, Barclays Bank PLC, Knutsford, Cheshire WA16 9EU, quoting ref. APP99. A fee will be charged for this service. Barclays Bank PLC is covered by the Financial Ombudsman Service (UK branches only). Disclosure (in relation to insurance cover provided as part of the Barclays Current Account range) You are responsible for providing complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy, and when you renew your insurance. It is important that you ensure that all statements you make on the proposal forms, claim forms and other documents are full and accurate. If you fail to disclose any information to your insurers, this could invalidate your insurance cover and could mean that part or all of the claim may not be paid. Governing law (in relation to insurance cover provided as part of the Barclays Current Account range) If you buy insurance in the United Kingdom, you can choose which law will apply to your policy. Unless you and the Insurer make a written agreement saying otherwise before the policy is issued, the law of England and Wales will apply. The governing law for Aviva Life Insurance is the law of England and Wales only, so for Life Insurance and Over 50 s Life Assurance English law will apply. The Direct Debit Guarantee This Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own Bank or Building Society. If the amount to be paid or the payment date changes, you will be told of this in advance by at least 14 days as agreed. If an error is made by the company or your Bank or Building Society, you are guaranteed a full and immediate refund from your branch of the amount paid. You can cancel a Direct Debit at any time by writing to your Bank or Building Society. Please also send a copy of your letter to the originator/company. Your feedback We want to hear from you if you feel unhappy with the service you have received from us. Letting us know your concerns gives us the opportunity to put matters right for you and improve our service to all our customers. You can complain in person at your branch, in writing, by or by telephone. A leaflet detailing how we deal with complaints is available upon request in any of our branches, from the Barclays Information Line on * or at barclays.co.uk Alternatively, you can write to Barclays, Leicester LE87 2BB. If we do not resolve your complaint internally to your satisfaction, you may be able to refer it to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR (Tel: *). The Financial Ombudsman Service is an organisation set up by law to give consumers a free and independent service for resolving disputes with financial firms. Details of those who are eligible complainants can be obtained from the Financial Ombudsman Service.

20 If you want to talk through or find out more about anything in this brochure, visit any branch, call us or visit our website. Online barclays.co.uk/insurance By phone * Visit us in branch To get this in Braille, large print or audio call * (via Text Relay) or visit barclays.co.uk/accessibleservices Call monitoring and charges information * Calls may be recorded and/or monitored for security and training purposes. Calls to 0800 numbers are free from a UK landline. For BT residential customers calls to 0845 numbers will cost no more than 4.1p per minute, plus a 15p call set-up fee (current at October 2013). The price of non-bt lines may differ. The insurer of Student Possessions Insurance and the insurer of Barclays Home Insurance is Gresham Insurance Company Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered Office: 8 Surrey Street, Norwich, Norfolk NR1 3NG. Registered in England, Registered No Barclays Travel Insurance is administered by FirstAssist Insurance Services which is a trading style of Cigna Insurance Services (Europe) Limited. Cigna Insurance Services (Europe) Limited is authorised and regulated by the Financial Conduct Authority. This policy is underwritten by Great Lakes Reinsurance (UK) PLC, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Barclays Personal Accident Insurance is arranged by Barclays Insurance Services Company Limited and underwritten by Aviva Insurance Limited. Aviva Insurance Limited. Registered in Scotland, No Registered Office: Pitheavlis, Perth PH2 0NH is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Barclays Insurance Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register No ). Registered in England, Registered no: Registered Office: 1 Churchill Place, London E14 5HP. The insurer for Life Insurance and Critical Illness Cover mortgage-linked is Legal & General Assurance Society Limited, who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Barclays Bank PLC act as an introducer to Allianz Insurance plc for Barclays Business Insurance which is arranged, administered and underwritten by Allianz Insurance plc (registered number 84638), registered office 57 Ladymead, Guildford, Surrey GU1 1DB. Allianz Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number Barclays Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No ). Registered in England. Registered No Registered Office: 1 Churchill Place, London E14 5HP. Item ref: Created: 01/14

Choices Extra Policy Summary

Choices 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 information

Home and Legacy Ultra Home Policy Summary

Home 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 information

1 HOME INSURANCE EXTRA

1 HOME INSURANCE EXTRA 1 HOME INSURANCE EXTRA POLICY SUMMARY. Our Home Insurance Extra policy provides you with home and contents cover. You can also purchase additional sections of cover to tailor the policy to your needs.

More information

Buildings Insurance If you select Buildings Insurance, the following will automatically be included:

Buildings 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 information

Home Insurance. Policy Summary

Home Insurance. Policy Summary 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

More information

Your Summary of Cover

Your 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 information

Paragraph A Loss or Damage What you are covered for:

Paragraph 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 information

Home and Legacy Prestige Home Policy Summary

Home 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 information

Buildings Insurance If you select Buildings Insurance, the following will automatically be included: Significant Exclusions or Limitations

Buildings 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 information

Clearchoice Policy Summary

Clearchoice 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 information

Home insurance. A summary of your cover

Home 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 information

Home Insurance Policy Summary

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 information

HOME INSURANCE ESSENTIALS POLICY SUMMARY.

HOME 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 information

Home Insurance Policy Summary

Home 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 information

HOME CHOICE INSURANCE POLICY SUMMARY

HOME 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 information

Home Household Insurance

Home 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 information

POLICY SUMMARY. Flybe Travel Insurance

POLICY SUMMARY. Flybe Travel Insurance Flybe Travel Insurance POLICY SUMMARY The purpose of this Policy Summary is to help you understand the insurance by setting out the significant features, benefits, limitations and exclusions. You still

More information

Car Insurance. Summary of Cover

Car Insurance. Summary of Cover Car Insurance Summary of Cover Summary of cover Important you should read this This leaflet provides a summary of the key features, benefits and limitations of the cover provided by the Zurich Insurance

More information

Saga Annual Multi-trip Travel Insurance

Saga Annual Multi-trip Travel Insurance Saga Annual Multi-trip Travel Insurance Important information for customers Important information for customers Saga Services ed is a wholly owned subsidiary of Acromas Holdings ed and is registered in

More information

my Aviva flex Critical illness

my Aviva flex Critical illness Critical illness Critical illness through my Aviva flex Critical illness through my Aviva products How can I get Aviva critical illness cover deals as an Aviva employee? Critical Illness can be selected

More information

BMW HOME INSURANCE POLICY SUMMARY.

BMW HOME INSURANCE 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 terms can be found in the Policy Wording,

More information

Countrywide 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. 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 information

Your ufirstgold Travel Insurance Policy Summary

Your ufirstgold Travel Insurance Policy Summary Your ufirstgold Travel Insurance Policy mary Please read this document carefully. It is a Policy mary only and does not detail the full terms and conditions of the insurance policy. Full details of the

More information

home insurance Policy summary 24 hour claim notification line 0845 001 0043

home insurance Policy summary 24 hour claim notification line 0845 001 0043 home insurance Policy summary 24 hour claim notification line 0845 001 0043 home insurance A tailored approach Our exclusive insurance product offers you the opportunity to tailor a Buildings and/or Contents

More information

SUMMARY OF COVER. Foundation Home Insurance

SUMMARY OF COVER. Foundation Home Insurance SUMMARY OF COVER Foundation Home Insurance Towergate Underwriting Household Foundation - Policy Summary Some important facts about your Towergate Underwriting Household Foundation insurance are summarised

More information

Car Solutions Insurance. Summary of Cover

Car Solutions Insurance. Summary of Cover Car Solutions Insurance Summary of Cover Summary of cover Important you should read this This leaflet provides a summary of the key features, benefits and limitations of the cover provided by the Zurich

More information

Home insurance. A summary of your cover

Home 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 information

KIT & HOME CONTENTS INSURANCE Policy Summary

KIT & 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 information

Features of a NatWest Essentials Home Contents Insurance Policy

Features of a NatWest Essentials Home Contents Insurance Policy 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 the policy booklet and policy schedule

More information

my Aviva flex and my Aviva products

my Aviva flex and my Aviva products and my Aviva products For more detailed comparison information on the products available, follow these links GN20704 (05/2015) Life insurance Life insurance through my Aviva flex Life insurance through

More information

Home Insurance. Important information. Just ask. including your Policy Summary

Home 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 information

Paragon 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 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 information

If it matters to you, it matters to us.

If it matters to you, it matters to us. Home insurance If it matters to you, it matters to us. We can provide you with a range of home insurance options to bring you and your family more peace of mind. Your home is probably the most valuable

More information

Home Sweet Home. Home Insurance. Your cover

Home 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 information

Profile Household Insurance

Profile Household Insurance Profile Household Insurance Policy Summary The Profile Insurance policy is a bedroom rated policy offering cover for loss or damage to buildings and/or contents up to the stated limits. Optional features

More information

Your Policy Conditions

Your Policy Conditions Provided by Friends Life Life Insurance Your Policy Conditions Key features of Tesco Bank Life Insurance Inside you ll find full details about Tesco Life Insurance. Key features of Tesco Bank Life Insurance

More information

Residential Park Home Policy Summary

Residential 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 information

BMW HOME INSURANCE POLICY SUMMARY.

BMW HOME INSURANCE POLICY SUMMARY. BMW HOME INSURANCE 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 terms

More information

Age UK Home Insurance Policy Summary

Age 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 information

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with?

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with? Terms of Business The Financial Conduct Authority is the independent watchdog that regulates financial services. Contained in this document is information which the Financial Conduct Authority requires

More information

Residential Property Owners

Residential Property Owners Residential Property Owners Policy Summary The Residential Property Owners Policy is a flexible Policy offering cover on a sum insured basis for loss or damage to buildings and/or contents. It is designed

More information

Haven Home Insurance Policy Key Facts

Haven 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 information

Landlord s Residential Property Insurance Policy Summary

Landlord 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 information

Broker Direct Home Options Policy Summary

Broker 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 information

Home insurance. A summary of your cover

Home 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 information

OAK. HIGH VALUE HOME INSURANCE policy summary OAK UNDERWRITING PLC

OAK. 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 information

Home Household Insurance

Home Household Insurance Home Household Insurance Policy Summary The Home Insurance policy is a flexible policy offering cover on a sum insured basis for loss or damage to buildings and/or contents. You specify the levels of cover

More information

Cover specific features and benefits

Cover specific features and benefits Holman Underwriting Castle Plan Home Insurance Policy Policy Summary of Cover ABOUT THIS DOCUMENT Please note that this cover summary does not contain the full terms and conditions of the contract of insurance,

More information

Age UK Home Insurance Policy Summary

Age 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 information

Countrywide Mortgage Services. Your guide to insurance

Countrywide Mortgage Services. Your guide to insurance Your guide to insurance Your guide to insurance This guide provides an overview of the different types of insurance products available through Countrywide; each of which have been designed to ensure that

More information

home insurance Policy summary 24 hour claim notification line 0845 001 0043

home insurance Policy summary 24 hour claim notification line 0845 001 0043 home insurance Policy summary 24 hour claim notification line 0845 001 0043 home insurance 24 Hour Claims Helpline: 0845 001 0043. Straightforward claims registration - our specialist claims staff will

More information

Section 1: Buildings. What is covered. Loss or Damage What you are covered for: Additional Cover Extra benefits included as standard:

Section 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 information

Key features of the Mortgage Protection Plan

Key features of the Mortgage Protection Plan IMPORTANT INFORMATION This information may be downloaded to your PC in whole or in part provided that any reproduction or copy, or any derivative, is true to the original, and it is EITHER used for personal

More information

Lifestyle Home Insurance

Lifestyle Home Insurance Name of insurer Lloyd s Syndicate 2001 managed by Amlin Underwriting Ltd through its service company Amlin UK. Household insurance Policy summary Buildings See Section One of the policy wording pages 11

More information

Terms and conditions

Terms and conditions Terms and conditions The Financial Conduct Authority is the independent watchdog that regulates financial services. Contained in this document is information which the Financial Conduct Authority requires

More information

Policy summary. Inside you ll find a summary of Tesco Bank Travel Insurance. Travel Insurance

Policy summary. Inside you ll find a summary of Tesco Bank Travel Insurance. Travel Insurance Policy summary Inside you ll find a summary of Tesco Bank Travel Insurance Travel Insurance Tesco Bank Travel Insurance policy summary This is a travel insurance policy summary only and does not contain

More information

Student Product Insurance. Policy Summary

Student 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 information

Public Liability Insurance for Start Ups. Policy Details (including Policy Summary pages 1-2)

Public Liability Insurance for Start Ups. Policy Details (including Policy Summary pages 1-2) Public Liability Insurance for Start Ups Policy Details (including Policy Summary pages 1-2) Policy Summary This is a Policy Summary only and does not contain full terms and conditions of the contract

More information

Landlord Insurance Policy Summary

Landlord Insurance Policy Summary Landlord Insurance Policy Summary The Administrator for this insurance policy is Paymentshield Limited. Please read this document carefully This document provides a summary of your cover and does not contain

More information

AXA Exclusive. Information leaflet Home Buildings and Contents Insurance

AXA 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 information

Your Policy Conditions

Your Policy Conditions Provided by Friends Life Life Insurance Your Policy Conditions Key features of Tesco Bank Life Insurance Inside you ll find full details about Tesco Life Insurance. Key features of Tesco Bank Life Insurance

More information

Fleet Excess Protect

Fleet Excess Protect Fleet Excess Protect Policy Wording Thank you for choosing Fleet Excess Protect Insurance. The information in this policy wording contains important information and we have made it as easy as possible

More information

Home Insurance AXA HomeSafe. Your policy summary

Home Insurance AXA HomeSafe. Your policy summary Home Insurance AXA HomeSafe Your policy summary Summary of cover This policy summary does not contain full details and conditions of your insurance you will find these in your policy wording. Your AXA

More information

Residential Property Owners

Residential 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 information

HOME 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 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 information

If it matters to you, it matters to us.

If it matters to you, it matters to us. Home insurance If it matters to you, it matters to us. We can provide you with a range of home insurance options to bring you and your family more peace of mind. Your home is probably the most valuable

More information

NWBIB Ltd Residential Property Owners Policy Summary

NWBIB Ltd Residential Property Owners Policy Summary NWBIB Ltd Residential Property Owners Policy Summary This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be found in the policy documentation. It

More information

HOME INSURANCE MADE SIMPLE

HOME INSURANCE MADE SIMPLE HOME INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance TAKE COVER AT HOME! What would you do if your home was flooded or struck by lightning or your valuables were

More information

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

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 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 information

Summary of exclusions and limits Your policy will not pay for the following if caused by any paying guest or tenant: What is covered

Summary 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 information

This policy summary does not contain full details and conditions of your insurance you will find these in your Policy Wording.

This 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. Your Home Insurance policy is provided by Swiftcover Insurance Services

More information

redbrick Specialist Insurance for Landlords Our experience is your security landlords insurance

redbrick Specialist Insurance for Landlords Our experience is your security landlords insurance redbrick landlords insurance Specialist Insurance for Landlords Our experience is your security redbrick landlords insurance Welcome to Redbrick Landlords Insurance Investing in property is a significant

More information

Your Home Insurance Policy Summary

Your 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 information

Bright Home Insurance Policy Summary

Bright Home Insurance Policy Summary Bright Home Insurance Policy Summary This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be found in the policy documentation. It is important that

More information

A summary of your cover. Section 1 Buildings cover

A 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 information

Name of the insurer The Home scheme is underwritten by Royal & Sun Alliance Insurance plc (RSA).

Name 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 information

Personal Travel. Insurance. Insurance. Travel Insurance. Your guide to Travel Insurance, Policy Summary and other important information

Personal Travel. Insurance. Insurance. Travel Insurance. Your guide to Travel Insurance, Policy Summary and other important information Personal Travel Insurance Insurance Travel Insurance Your guide to Travel Insurance, Policy Summary and other important information YOUR GUIDE TO TRAVEL INSURANCE About Our Insurance Services In the following

More information

A summary of your cover. Section 1 Buildings cover

A 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 information

Car Solutions Prospectus and Summary of Cover. What you need to know

Car Solutions Prospectus and Summary of Cover. What you need to know Car Solutions Prospectus and Summary of Cover What you need to know 2 We recognise that you re probably more passionate about your car than you are about your car insurance. That s why we re here to make

More information

Profile Household Insurance

Profile Household Insurance Profile Household Insurance Policy Summary The Profile Insurance policy is a bedroom rated policy offering cover for loss or damage to buildings and/or contents up to the stated limits. Optional features

More information

Park Home Insurance. Important Information About Our Insurance: 01 Terms of Business Agreement 02 Summary of Cover. Leisure Home

Park Home Insurance. Important Information About Our Insurance: 01 Terms of Business Agreement 02 Summary of Cover. Leisure Home Park Home Insurance Important Information About Our Insurance: 01 Terms of Business Agreement 02 Summary of Cover Leisure Home i n s u r a n c e Leisure Home i n s u r a n c e Park Home Insurance Terms

More information

Drive Policy Summary. You can select the cover that suits your needs, from:

Drive 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 information

About our Insurance Services

About our Insurance Services 1 About our Insurance Services In the following section we/us refers to Barclays Bank PLC and Barclays Insurance Services Company Limited. Barclays Bank PLC arranges home insurance through Barclays Insurance

More information

Your policy summary Buy to Let

Your 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

how the One account works all your questions answered 08456 000 00 1 oneaccount.com

how the One account works all your questions answered 08456 000 00 1 oneaccount.com how the One account works all your questions answered 08456 000 00 1 oneaccount.com Contact us By telephone 08456 000 00 1 By typetalk 08456 000 00 1 By textphone 08456 10 10 56 By post By web The One

More information

Policy Summary for Over 50s Life Insurance Plans

Policy Summary for Over 50s Life Insurance Plans Policy Summary for Over 50s Life Insurance Plans 1. Fixed Plan 2. Increasing Plan 3. Funeral Plan This is an important document, which you should read carefully so that you understand what you are buying

More information

Policy Summary. Single Trip and Annual Multi Trip - Benefits

Policy Summary. Single Trip and Annual Multi Trip - Benefits Policy Summary This document outlines the main benefits and restrictions associated with your Travel Insurance cover. It does not reference all of the benefits, terms, conditions, limitations, exceptions

More information

Post Office Life Insurance

Post Office Life Insurance Post Office Life Insurance Key Information Pack Contents 1. Information Disclosure Document Pg 2 2. Data Protection statement Pg 3 3. Customer Due Diligence Prevention of Money Laundering statement Pg

More information

A summary of your cover

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 of the contract between us. The Churchill

More information

Policy Summary for Over 50s Life Insurance Plans

Policy Summary for Over 50s Life Insurance Plans This is an important document, which you should read carefully so that you understand what you are buying. Please keep together with your Policy Terms and Conditions, in a safe place, for future reference.

More information

personal savings accounts

personal savings accounts Important information about personal savings accounts STANDARD LIFE CASH SAVINGS A DIVISION OF BARCLAYS 152970.indd 1 06/07/2010 08:07 152970.indd 2 06/07/2010 08:07 Changes to the interest rates on our

More information

Your Summary of Cover

Your Summary of Cover SPECIALIST INSURANCE FOR STUDENTS Your Summary of Cover Plus Top Up Covers Available To You Group Scheme Master Policy Number: CAMP2014, academic year 2014/2015 IMPORTANT: PLEASE READ CAREFULLY TO ENSURE

More information

Preferred Choice. Policy Summary

Preferred 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 information

Home Insurance. Your policy summary AXA ABC

Home 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 information

Policy Summary for Over 50s Fixed Life Insurance Plan

Policy Summary for Over 50s Fixed Life Insurance Plan Policy Summary for Over 50s Fixed Life Insurance Plan This is an important document which you should read carefully so that you understand what you are buying and help you decide whether our Over 50s Fixed

More information

AXA Buy to Let Policy Summary

AXA 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 information

VFM Cover Select is a trading name of QMetric Group Ltd. who are authorised and regulated by the Financial Conduct Authority.

VFM Cover Select is a trading name of QMetric Group Ltd. who are authorised and regulated by the Financial Conduct Authority. 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 information

HOME INSURANCE. Your Home Solutions policy summary

HOME 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 information

Landlords Insurance. Policy Summary. Page 1

Landlords 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 information

Stay safe and protected with EBS home insurance

Stay safe and protected with EBS home insurance Where Family Counts Insurance EBS Home Insurance Stay safe and protected with EBS home insurance GET THREE MONTHS FREE * COVER Lily looks after her brother Tynan at Dublin Zoo, 2008. EBS. Helping families

More information