Document of Insurance. Keep me safe. Home Insurance

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1 Documet of Isurace Keep me safe Home Isurace

2 Welcome to LV= We re delighted you ve chose us Thak you for buyig a LV= isurace policy. We re really pleased that you ve chose us for your home isurace eeds ad we re cofidet you ll be happy with the cover ad service you receive. This booklet cotais everythig you eed to kow about your isurace ad how to cotact us. So make sure you keep it safe with your home isurace schedule. Exceptioal service Our claims service goes the extra mile committed to doig the right thig for you, we ll aim to settle claims quickly ad efficietly, eve i the most difficult circumstaces. If you ever eed to make a claim, just call our friedly UK call cetre o Discouts Do t forget that as a LV= customer you ll receive a discout o some other great LV= isurace products. We hope you ll cotiue to be a LV= customer for may years to come. 1 DOCUMENT OF INSURANCE HOME

3 Cotets Page Welcome to LV= 1 Summary of policy limits 3 Your home isurace policy 4 Useful iformatio 4 Defiitios 6 Buildigs 8 1. Fire 8 2. Water or oil leakig 8 3. Theft 8 4. Storm or flood 8 5. Subsidece, heave or ladslip 8 6. Vadalism or malicious damage 9 7. Impact 9 8. Sellig your home 9 9. Accidetal damage to fixed 9 glass ad saitary fittigs 10. Accidetal damage to cables, udergroud pipes ad drais Uavoidable damage caused by the emergecy services Accidetal damage (optioal cover) Alterative accommodatio Loss of keys Plats i the garde Trace ad access Liability to the public 11 Settlig claims Buildigs 11 Cotets Fire Water or oil leakig Theft Storm or flood Subsidece, heave or ladslip Vadalism or malicious damage 14 Page 7. Impact Accidetal damage to mirrors ad glass Accidetal damage to home etertaimet equipmet Accidetal damage (optioal cover) Cotets i the garde Plats i the garde Loss of keys Alterative accommodatio Fatal ijury Special evets Froze food Title deeds Movig house Teat s cover Moey ad credit cards Dowloaded iformatio Visitor belogigs Temporary removal Cotets at uiversity/college Liability to public Liability to domestic employees 18 Persoal possessios (optioal cover) 18 Pedal cycles (optioal cover) 19 Settlig claims Cotets, Persoal possessios ad Pedal cycles 19 Home emergecy (optioal cover) 21 Geeral exclusios Home emergecy 25 Geeral coditios Home emergecy 26 Geeral exclusios 28 Geeral coditios 29 How we use your persoal iformatio 33 DOCUMENT OF INSURANCE HOME 2

4 Summary of policy limits The followig is oly a summary of the mai policy limits. You should read the rest of this policy booklet for the full terms ad coditios. Sectio of cover Limit of cover Buildigs (if selected) Buildigs Accidetal damage to udergroud drais/pipes Alterative accommodatio 25,000 Plats i the garde Trace ad access Refer to your schedule Liability to the public 2,000,000 Cotets (if selected) Cotets Valuables Office equipmet 5,000 Cotets i the garde 1,000 Plats i the garde Fatal ijury 5,000 Alterative accommodatio 25,000 Froze food 500 Title deeds 750 Teat s cover 10,000 Moey ad credit cards 500 Dowloaded iformatio 1,000 Visitor belogigs 1,000 Temporary removal 5,000 Cotets at uiversity/college 5,000 1,000 (for clearig a blockage) 1,000 ( 250 for ay oe plat, tree or shrub) 5,000 ( 2,500 for a leak outside your home) Refer to your schedule Refer to your schedule Liability to the public 2,000,000 Liability to domestic employees 10,000,000 Persoal possessios (if selected) Persoal possessios Moey ad credit cards 500 Sigle item limit Pedal cycles (if selected) Pedal cycles Home emergecy (if selected) Home emergecy 500 1,000 ( 250 for ay oe plat, tree or shrub) Refer to your schedule Refer to your schedule Refer to your schedule 3 DOCUMENT OF INSURANCE HOME

5 Your home isurace policy Please read this documet of isurace ad the schedule as oe documet. This is your cotract of isurace with us. I retur for your premium we ll give you isurace cover as set out i this booklet accordig to the cover selectios ad period of isurace show o your schedule. Your policy is uderwritte by Liverpool Victoria Isurace Compay Ltd. Our commitmet to you We ll always: make sure all the iformatio we give you is clear ad accurate be fair ad reasoable act promptly Useful iformatio To make a chage (Mo - Fri 8am - 9pm, Sat 8am - 5pm, Su ad bak holidays 9am - 5pm) To make a claim (24 hours a day, 365 days a year) Follow these simple steps: 1. Check you are covered by lookig at this booklet ad your schedule; 2. Call us as soo after the icidet as possible please have your policy details ad iformatio about the claim ready whe you call; 3. Speak to us before you make ay arragemets for replacemet or repair; 4. Do t forget to tell the police whe your property is lost, stole or maliciously damaged. How to make a complait If you wish to make a complait, please cotact us by phoe o , for TextDirect please dial first, or write to us. If you prefer to write, please address your letter to: The Customer Relatios Maager, LV=, Couty Gates, Bouremouth, BH1 2NF. Please quote the policy umber i all correspodece. For more iformatio, please visit the complaits sectio o our website: LV.com/complaits A copy of our iteral complaits procedure is available o request. If we caot resolve your complait, you may refer your complait to the Fiacial Ombudsma Service withi 6 moths of receivig our fial respose letter. The address is: Fiacial Ombudsma Service, Exchage Tower, Harbour Exchage Square, Lodo E14 9GE. For more iformatio please visit Telephoe: (free for people phoig from a fixed lie, for example, a ladlie at home) or (free for mobile-phoe users who pay a mothly charge for calls to umbers startig 01 or 02) or Makig a complait will ot affect your right to take legal actio. DOCUMENT OF INSURANCE HOME 4

6 What happes if we ca t meet our liabilities? If we ca t meet our liabilities, you may be able to claim from the Fiacial Services Compesatio Scheme (FSCS). There are differet levels of compesatio depedig o what kid of isurace you have. Home isurace is covered for 90% of the claim as it s a o-compulsory isurace product. You ca get further iformatio from: Fiacial Services Compesatio Scheme, 10th Floor Beaufort House, 15 St Botolph Street, Lodo, EC3A 7QU. Phoe or If you have a domestic emergecy (24 hours a day, 365 days a year) If you or your family suffer a domestic emergecy i your home, such as a blocked toilet, hot water or heatig failure, call our Domestic Emergecy Assistace helplie. Please have your policy details ad iformatio about the emergecy ready whe you call. A traied operator will be o had to help ad advise you. If required, they will arrage for emergecy assistace or repairs to be completed by a approved tradesperso. If you use this service, you will be resposible for payig the tradesperso s charges ad ay costs of materials icurred. If the damage is covered by your isurace policy you may be able to claim these costs as part of ay claim you submit. Home emergecy cover If you ve chose to iclude our optioal Home emergecy cover (this will be show as covered o your schedule), you may be covered for emergecy repair costs up to 500, which iclude call out, parts, labour ad VAT. For full details of what is ad is t covered, please see your home emergecy cover sectio i your documet of isurace. If the damage is also covered by your home isurace policy you may be able to claim for ay emergecy repair cost i excess of 500 as part of ay claim you make. Legal advice (24 hours a day, 365 days a year) Our cofidetial Legal Advice helplie, which is maaged o our behalf by Arc Legal Assistace (Arc), puts you i touch with a qualified legal adviser who ca give you advice o ay persoal legal matter. The service oly provides advice ad does ot cover ay legal fees ad expeses which you may icur as a result of followig the advice. To be covered for legal fees ad expeses, you eed to have purchased our optioal Legal expeses isurace. Idetity fraud assistace helplie (24 hours a day, 365 days a year) You may call oe of our desigated idetity fraud experts to obtai cofidetial advice o ay matter relatig to idetity fraud, or call them as soo as you become aware that you or your family are or may be a victim of idetity fraud. If you are a victim of idetity fraud i the UK, you will be assiged a persoal case hadler who will work with you to resolve the situatio. Please ote that this service does ot cover ay fiacial loss or costs you may icur as a result of idetity fraud. 5 DOCUMENT OF INSURANCE HOME

7 Defiitios Wherever these defiitios appear i this documet of isurace, they have the same meaig. Accidetal damage Claim Documet of isurace Excess Family Heave Home Home etertaimet equipmet Idetity fraud Ladslip Limit of cover Moey Office equipmet Period of isurace Schedule damage caused suddely by exteral meas which is ot expected ad ot deliberate. a sigle loss or series of losses arisig from oe icidet or illess. this booklet. the first amout of ay claim you must pay. you, your spouse/parter ad ay other relatives or ay other perso, who is ot a payig guest, all permaetly livig withi your home. upward movemet of groud. the private property at the address show o the schedule, together with its garages ad domestic outbuildigs. radios, televisios, digital, cable ad satellite decoders/receivers, home computers, laptops, tablets, otebooks, e-readers ad games cosoles. Video, DVD, record, tape ad CD players. a perso or group of people kowigly usig a meas of idetificatio belogig to you without your kowledge or permissio with itet to commit or assist aother to commit a illegal act. movemet of groud dow a slope. the most we will pay i respect of ay claim, less ay excess. cash, bak ad currecy otes, cheques, postal ad moey orders, bakers drafts, lucheo vouchers, savig stamps ad certificates, bods, curret postage stamps, travellers cheques, travel tickets, seaso tickets ad gift tokes belogig to, or the resposibility of, you or your family. computers, keyboards, moitors, priters, word-processig equipmet, desk-top publishig uits, multi-user small busiess computers ad fax machies. the legth of time that the cotract of isurace applies for. This is show o your schedule. you; the period of isurace; those sectios of this documet of isurace that apply; limits of cover; ay coditios which may vary the terms of this documet of isurace. DOCUMENT OF INSURANCE HOME 6

8 Settlemet Subsidece Uoccupied Valuables We, us, or our You, your dowward movemet of groud as a result of ormal cosolidatio ad compactio of the soil by the weight of the buildigs withi 10 years of costructio. dowward movemet of groud other tha by settlemet. ot lived i by you or a member of your family or ay other perso with your permissio or does ot have sufficiet furiture or services for ormal livig purposes. Lived i meas slept i frequetly. Regular visits or occasioal overight stays are ot accepted as livig i the property. jewellery, watches, furs, items made of gold, silver ad other precious metals, pictures ad other works of art, icludig stamp, coi ad medal collectios. Liverpool Victoria Isurace Compay Limited. the perso or people show o the curret schedule. 7 DOCUMENT OF INSURANCE HOME

9 Buildigs This sectio oly applies if selected by you ad show as covered o your schedule. Buildigs are the structure of your home, icludig: permaet fixtures ad fittigs icludig solar paels ad wid turbies; saitary ware such as baths, basis, bidets, toilets or showers; walls, gates, feces (but ot hedges, trees, shrubs, laws or plats); domestic outbuildigs ad private garages that form part of your home; swimmig pools (but ot their covers), teis courts; drives, footpaths, patios ad terraces; permaetly sited septic taks ad fixed cetral heatig gas or oil taks; all beig property belogig to you or for which you are legally resposible. We will provide the followig cover for ay loss or damage to the buildig up to the limit of cover show o your schedule: 1. Fire (icludig resultat smoke damage), lightig, explosio or earthquake. 2. Water or oil leakig from ay fixed tak, domestic appliace or pipe, but ot: subsidece, heave or ladslip caused by escapig water; damage to the tak, appliace or pipe itself, uless caused by freezig; damage caused by the failure, wear ad tear or lack of groutig or sealat; after your home has bee uoccupied for more tha 60 days i a row (uless the Isurace coditios show o your schedule shows aythig differet). 3. Theft or attempted theft, but ot: while your home is lived i by ayoe other tha you or a member of your family uless violece ad force is used to break ito your home; after your home has bee uoccupied for more tha 60 days i a row (uless the Isurace coditios show o your schedule shows aythig differet). 4. Storm or flood, but ot: loss or damage to gates or feces; the cost of the removal of a tree or brach, uless its fall has caused damage to the buildig itself. 5. Subsidece or heave of the site o which the buildig stads or ladslip, but ot: if the mai structure of your home or domestic outbuildigs is ot damaged at the same time, by the same cause; coastal or river erosio (uless the Isurace coditios show o your schedule shows aythig differet); where compesatio has bee provided uder ay cotract, legislatio or guaratee; durig demolitio, structural alteratio or repair work; DOCUMENT OF INSURANCE HOME 8

10 damage to solid floors ad o load bearig walls uless the foudatios beeath the exterior load bearig walls are damaged at the same time by the same cause; damage caused by beddig dow or settlemet of made groud; damage caused by poor workmaship, poor desig or faulty material, icludig iadequate costructio of foudatios; damage caused by the failure to follow good buildig practice at the time of desig or costructio; ay loss or damage show as ot isured elsewhere i this documet of isurace. 6. Vadalism or malicious damage, icludig riot, civil urest, strikes or labour or political disturbaces, but ot after your home has bee uoccupied for more tha 60 days i a row (uless the Isurace coditios show o your schedule shows aythig differet). 7. Impact by ay aimal, fallig tree or brach, road vehicle, trai, aircraft or other flyig objects (icludig items dropped from them), televisio or radio aerials, satellite dishes ad their fittigs, but ot: damage to gates or feces by fallig trees or braches; damage by domestic pets; the cost of the removal of a tree or brach, uless its fall has caused damage to the buildig itself. 8. Sellig your home. The buyer will be covered for loss or damage covered by this isurace up to the date the sale completes o your home, uless the buildigs are isured by aother policy. If you are buyig aother property to live i, which we have agreed to isure, we will cover your ew property for loss or damage uder this sectio for up to 90 days from the date cotracts are exchaged or, i Scotlad, the date your offer is accepted. But ot: if the property is isured uder aother policy; if the property is uoccupied for more tha 60 days i a row; after the sale or purchase has completed. 9. Accidetal damage to fixed glass, saitary ware, solar paels ad ceramic hobs formig part of the buildig, but ot: damage that happes while the property is occupied by ayoe other tha you or a member of your family; if your home has bee uoccupied for more tha 60 days i a row (uless the Isurace coditios show o your schedule shows aythig differet). 10. Accidetal damage to cables, udergroud pipes ad drais (ad their ispectio covers) servig your home. We will also pay up to 1,000 for the cost of breakig ito ad repairig a udergroud pipe to clear a blockage betwee the mai sewer ad your home if roddig or other covetioal methods of ublockig have bee usuccessful. 9 DOCUMENT OF INSURANCE HOME

11 11. Uavoidable damage caused by the emergecy services whe accessig your home or garde as a result of a emergecy to you or your family. 12. Accidetal damage (optioal cover) to the buildig, but ot: while your home is lived i by ayoe other tha you or a member of your family; the cost of maiteace or ormal redecoratio; damage caused durig demolitio, structural alteratios or repairs; ay loss or damage show as ot isured elsewhere i this documet of isurace. The followig cover is also icluded up to the limits show: 13. Alterative accommodatio. If your home becomes uihabitable followig loss or damage covered uder this sectio we will pay up to 25,000 durig the period of isurace for: the extra cost of similar alterative accommodatio for you, your family ad your domestic pets; or loss of ay urecoverable ret (icludig groud ret) due to you. 14. Loss of keys. We will pay for the reasoable cost of replacig locks to the exteral doors of your home ad alarms ad safes if your keys are lost or stole. 15. Plats i the garde. We will pay up to 1,000 for loss or damage to hedges, trees, shrubs, plats ad laws withi the boudaries of your home by: But ot: Fire, lightig, explosio or earthquake; Vadalism or malicious damage; Impact; Theft or attempted theft. more tha 250 for ay oe tree, plat or shrub; impact by fallig trees or braches; ay loss or damage show as ot isured elsewhere i this documet of isurace; if we pay for hedges, trees, shrubs, plats or laws uder the cotets sectio as a result of the same icidet. 16. Trace ad access. We will pay up to 5,000 for the cost of removig ad replacig ay part of the buildigs to fid ad repair the source of a water or oil leak from ay fixed tak, appliace or pipe formig part of your home. But ot: damage to the tak, appliace or pipe itself; more tha 2,500 for a water or oil leak outside your home. DOCUMENT OF INSURANCE HOME 10

12 17. Liability to the public. If followig a accidet someoe dies, is ijured, falls ill or has their property damaged, durig the period of isurace, we will cover your legal liability: as ower of the buildig ad its lad; uder the Defective Premises Act 1972 or the Defective Premises Measure (Norther Irelad) 1974 for ay home you have previously owed, but ot for more tha 7 years after the isurace has eded or bee cacelled. The most we will pay for ay claim arisig from oe icidet, icludig claimats costs ad expeses is 2,000,000. We may also pay other costs ad expeses icurred with our prior permissio, withi this limit. We will ot pay for: the death, bodily ijury or illess of you or a member of your family or domestic employees; loss or damage to ay property you or a member of your family ow or are resposible for; ay liability resultig from a agreemet you have with aother party; ay liability arisig from ay professioal, occupatioal or busiess activities; the cost of puttig right ay fault or alleged fault which, if ot put right, may cause accidetal bodily ijury or disease or accidetal loss of or damage to property; ay liability covered by ay other isurace. Settlig claims - buildigs This sectio describes how we deal with your claim. If the loss or damage is covered by this isurace we will agree with you whether to: arrage for repair or replacemet usig oe of our suppliers; or pay the cost of repair; or make a cash paymet. We will pay the full cost of ay repair or replacemet, icludig ay architects ad surveyors fees, demolitio, removal of debris or local authority costs we have agreed to pay. Repairs completed by our approved suppliers as a result of a claim covered by this isurace, are guarateed for 12 moths. If the damage to the buildigs is ot rebuilt or repaired, or the buildigs were ot i a good coditio whe damaged, we will pay either: the cost of repair or replacemet less a amout for wear ad tear; or the differece betwee the value of sellig your home o the ope market immediately before the damage ad its value after the damage. Cash paymets If we ca offer a repair or replacemet through oe of our suppliers ad you choose ot to have the item repaired or replaced, we ll ot pay more tha the amout we would have paid our supplier. 11 DOCUMENT OF INSURANCE HOME

13 If we re uable to offer repair or a equivalet replacemet is ot available, we ll pay the earest cash equivalet or curret market value of the item at the time of the loss or damage. Excesses that apply If your schedule shows that you have to pay a excess, this is the amout you must pay as the first part of ay claim. The most we will pay for ay claim is the limit of cover, less ay excess. Matchig Sets ad Suites If you make a claim for ay damaged item that forms part of a matchig floorig, bathroom suite or kitche, we will cotribute 50% towards the cost of replacig ay udamaged items which are part of the same set or suite if a repair or replacemet for the damaged item is ot available. If you make a claim for damaged fitted floorig that matches a adjoiig room, we will cotribute 50% towards the cost of replacig the udamaged floorig i the adjoiig room if repair or replacemet of the damaged floorig is ot available. We will ot pay for replacig floorig to other udamaged rooms. Your policy does ot cover claims arisig from wear ad tear or gradual deterioratio. It is your resposibility to keep your home i a good coditio. Please read the Geeral exclusios sectio for further details. Idex likig The buildigs limit of cover may be icreased durig the period of this isurace i lie with the House Rebuildig Cost Idex prepared by the Royal Istitutio of Chartered Surveyors. You must let us kow immediately about ay alteratio to the buildig which icreases its value beyod the limit of cover. DOCUMENT OF INSURANCE HOME 12

14 Cotets This sectio oly applies if selected by you ad show as covered o your schedule. Cotets are: household goods; valuables, but ot more tha the limit show o your schedule; home etertaimet equipmet (if a limit applies this is show separately o your schedule); office equipmet, but ot more tha 5,000 i total; moey ad credit cards; pedal cycles; televisio or radio aerials, satellite dishes ad their fittigs; teat s fixtures ad improvemets; all beig property belogig to you or your family, or for which you or they are legally resposible whe withi your home. Cotets are ot: motor vehicles (icludig motor cycles, quad bikes ad motorised scooters), caravas, trailers, watercraft, aircraft ad all their accessories; aimals; busiess stock, equipmet, tools or materials; ay part of the structure of your home, icludig decoratios or permaet fixtures ad fittigs. We will provide the followig cover for ay loss or damage to the cotets i your home up to the amout of cover show o your schedule: 1. Fire (icludig resultat smoke damage), lightig, explosio or earthquake. 2. Water or oil leakig from ay fixed tak, domestic appliace or pipe, icludig loss of metered water or oil but ot: after your home has bee uoccupied for more tha 60 days i a row (uless the Isurace coditios show o your schedule shows aythig differet); damage caused by the failure, wear ad tear or lack of groutig or sealat. 3. Theft or attempted theft from the cofies of your home, icludig losses from your garages ad outbuildigs, but ot: while your home is lived i by ayoe other tha you or a member of your family, uless violece ad force is used to break ito your home; after your home has bee uoccupied for more tha 60 days i a row (uless the Isurace coditios show o your schedule shows aythig differet). 4. Storm or flood 5. Subsidece or heave of the site o which the buildig stads or ladslip but ot coastal ad river erosio (uless the Isurace coditios show o your schedule shows aythig differet). 13 DOCUMENT OF INSURANCE HOME

15 6. Vadalism or malicious damage, icludig riot, civil urest, strikes or labour or political disturbaces, but ot after your home has bee uoccupied for more tha 60 days i a row (uless the Isurace coditios show o your schedule shows aythig differet). 7. Impact by ay aimal, fallig tree or brach, road vehicle, trai, aircraft, or other flyig objects (icludig items dropped from them), but ot damage caused by domestic pets. 8. Accidetal damage to mirrors ad glass or ceramic tops formig part of furiture while i your home, but ot while your home is lived i by ayoe other tha you or a member of your family. 9. Accidetal damage to home etertaimet equipmet while i your home or garde, but ot: while your home is lived i by ayoe other tha you or a member of your family; damage to computer software or dowloaded iformatio; damage to had held game cosoles, digital cameras, video cameras, mobile phoes, smart phoes ad had held multi-media players such as MP3/4 players, uless sectio 10 (Accidetal damage) has bee icluded ad is showig as covered o your schedule; ay loss or damage show as ot isured elsewhere i this documet of isurace. 10. Accidetal damage (optioal cover) to the cotets i your home or garde, but ot: while your home is lived i by ayoe other tha you or a member of your family; damage to computer software or dowloaded iformatio; ay loss or damage show as ot isured elsewhere i this documet of isurace. The followig cover is also icluded withi your cotets up to the limits show: 11. Cotets i the garde. We will pay up to 1,000 for loss or damage to ay cotets withi the boudaries of your home by: Fire, lightig, explosio or earthquake; Vadalism or malicious damage; Impact; Flood; But ot: Theft or attempted theft. loss or damage to hedges, trees, shrubs, plats or laws; after your home has bee uoccupied for more tha 60 days i a row (uless the Isurace coditios show o your schedule shows aythig differet); ay loss or damage show as ot isured elsewhere i this documet of isurace. DOCUMENT OF INSURANCE HOME 14

16 12. Plats i the garde. We will pay up to 1,000 for loss or damage to hedges, trees, shrubs, plats ad laws withi the boudaries of your home by: But ot: Fire, lightig, explosio or earthquake; Vadalism or malicious damage; Impact; Theft or attempted theft. more tha 250 for ay oe tree, plat or shrub; impact by fallig trees or braches; ay loss or damage show as ot isured elsewhere i this documet of isurace; if we pay for hedges, trees, shrubs, plats or laws uder the buildigs sectio as a result of the same icidet. 13. Loss of keys. We will pay for the reasoable cost of replacig locks to the exteral doors of your home ad alarms ad safes if your keys are lost or stole. 14. Alterative accommodatio. If your home becomes uihabitable followig loss or damage covered uder this sectio we will pay up to 25,000 durig the period of isurace for: the extra cost of similar alterative accommodatio for you, your family ad your domestic pets; or ret which you are cotracted to pay durig the time ecessary to restore the buildig to a habitable coditio. 15. Fatal ijury. We will pay 5,000 if you or your husbad, wife or parter die withi 12 moths as a direct result of a ijury caused by fire or violece by itruder(s) at your home. 16. Special evets. We will icrease the cotets limit of cover by 10% for oe moth before ad after a religious festival or special evet of you or a member of your family, for purchases made for these evets, if withi the period of isurace. 17. Froze food. We will pay up to 500 for loss or damage to the cotets of your fridge or freezer caused by a chage i temperature followig breakdow, a domestic fuse blowig, accidetal failure of the public electricity or gas supply or refrigerat leakage. 18. Title deeds. We will pay up to 750 for loss or damage covered by this isurace to replace the title deeds of your home while they are i safekeepig lodged with your bak, mortgage leder, solicitor or i your home. 19. Movig house. We will pay for accidetal loss or damage to your cotets while they are beig moved to your ew permaet home by professioal removal cotractors, icludig while temporarily stored by a storage compay for up to 14 days. But ot: loss or damage to chia, glass ad brittle items, uless these have bee packed by professioal packers; ay loss or damage show as ot isured elsewhere i this documet of isurace. 15 DOCUMENT OF INSURANCE HOME

17 20. Teat s cover. If you are a teat we will pay up 10,000 for ay loss or damage covered by this isurace to ay fixtures ad fittigs you have istalled i your home or for which you are resposible. 21. Moey ad credit cards. We will pay up to 500 for the accidetal loss or theft of moey from your home or the uauthorised use of a charge, credit or debit card followig them beig stole from your home (uless the Isurace coditios show o your schedule shows aythig differet) i ay oe period of isurace but ot; loss or theft ot reported to the police withi 24 hours of discovery; charge, credit or debit cards which are lost ad ot reported to the issuig or card registratio compay withi 24 hours of discovery; uauthorised use of charge, credit or debit cards by a member of your family or domestic employees. 22. Dowloaded iformatio. We will pay up to 1,000 for loss or damage to iformatio that you have bought ad stored o your home etertaimet equipmet or mobile phoe as a result of a cause listed i paragraphs 1 to 7 of this sectio. But ot: the cost of remakig a file, tape or disc; rewritig the iformatio cotaied o your home etertaimet equipmet; ay loss or damage show as ot isured elsewhere i this documet of isurace. 23. Visitor belogigs. We will pay up to 1,000 for loss or damage to your visitors persoal belogigs (other tha moey ad valuables), as a result of a cause listed i paragraphs 1 to 7 of this sectio, whilst your visitor is i your home. 24. Temporary removal. We will pay up to 5,000 for loss or damage to your cotets, as a result of a cause listed i paragraphs 1 to 7 of this sectio, while temporarily removed from your home, but still i the British Isles, whe i the followig locatios: i ay private home where someoe is livig; i a bak or safe deposit; i ay trade premises for makig up, alteratio, reovatio, repair, cleaig, dyeig or valuatio; But ot: ay buildig i which you or a member of your family work. ay cotets take from your home to sell or exhibit; loss or damage to moey or busiess equipmet; theft or attempted theft uless violece ad force is used to remove the cotets from a buildig; loss or damage to pedal cycles; ay cotets temporarily removed for the purposes of attedig a uiversity, college or boardig school. DOCUMENT OF INSURANCE HOME 16

18 25. Cotets at uiversity/college. We will pay up to 5,000 for loss or damage to your cotets, as a result of a cause listed i paragraphs 1 to 7 of this sectio, while temporarily removed from your home while kept i ay studet accommodatio or ay buildig i which you or your family study withi the British Isles. But ot: ay cotets take from your home to sell or exhibit; loss or damage to moey or busiess equipmet; theft or attempted theft uless violece ad force is used to remove the cotets from a buildig; loss or damage to pedal cycles. 26. Liability to the public. If followig a accidet someoe dies, is ijured, falls ill or has their property damaged aywhere i the world, durig the period of isurace, we will cover the legal liability of you or your family as: occupiers of your home; private idividuals. The most we will pay for ay claim arisig from oe icidet, icludig claimats costs ad expeses is 2,000,000. We may also pay other costs ad expeses icurred with our prior permissio, withi this limit. We will also pay ay amout you, or a member of your family are awarded as damages ad taxed costs by ay court i the British Isles, which, had the positio bee reversed, would have resulted i a claim uder this sectio. Paymet of the award ad taxed costs will be made if you have ot received ay of the amout withi 90 days of the award. If ay part paymet has bee made to you we will pay the balace outstadig 90 days after the last paymet. The most we will pay for ay claim arisig from oe icidet is 2,000,000. We will ot pay for ay liability arisig from: the owership of your home or the owership or occupatio of ay other premises; the death, bodily ijury or illess of you or a member of your family or domestic employees; the owership or use of ay aircraft, motor vehicle (icludig motor cycles, quad bikes ad motorised scooters), horse draw vehicle, ship, vessel or craft; loss or damage to ay property you or a member of your family ow or are resposible for; a agreemet you have with aother party; a icidet which is covered by ay other isurace; ay professioal, occupatioal or busiess activity; ay aimal, other tha horses ad domestic pets; ay dog which is desigated dagerous or allowed to be dagerously out of cotrol uder the Dagerous Dogs Act; the cost of puttig right ay fault or alleged fault which, if ot put right, may cause accidetal bodily ijury or disease or accidetal loss of or damage to property. 17 DOCUMENT OF INSURANCE HOME

19 27. Liability to domestic employees. If followig a accidet durig the period of isurace your domestic employee dies, is ijured or falls ill whilst beig employed by you ad you are foud legally liable, we will pay up to 10,000,000 for ay claim arisig from oe icidet, icludig claimats costs ad expeses. We may also pay other costs ad expeses icurred with our prior permissio, withi this limit. Cover applies aywhere i the world as log as you etered ito the cotract of employmet with the employee i the British Isles. Persoal possessios (optioal cover) This sectio oly applies if selected by you ad show as covered o your schedule. Persoal possessios are: persoal belogigs, which are desiged to be wor or carried. The most we will pay for ay oe item is show o your schedule; moey ad credit cards take away from your home, but ot more tha 500 for each; all beig property belogig to you or your family, or for which you or they are legally resposible. Persoal possessios are ot: motor vehicles (icludig motor cycles, quad bikes ad motorised scooters), caravas, trailers, watercraft, aircraft ad all their accessories; busiess stock, equipmet, tools or materials (uless we have agreed to provide this cover ad it is icluded o your schedule); aimals; pedal cycles or their accessories (uless show as covered i your schedule uder persoal possessios cover); furiture, furishigs ad household goods; We will provide cover for ay loss or damage to persoal possessios i Europe ad up to 60 days worldwide i ay oe period of isurace. We will ot pay for: losses from uatteded vehicles, caravas or motor caravas uless the item is stored out of sight i a glove or luggage compartmet ad all the doors are locked ad widows fully closed; theft of ay studet belogigs stole from ay o self cotaied accommodatio uless violece ad force is used to remove them; theft of ay items used i coectio with ay busiess, trade or professio uless violece ad force is used to remove them; accidetal loss or damage to software or dowloaded iformatio; losses for moey if ot reported to the police withi 24 hours of discovery; charge, credit or debit cards which are lost ad ot reported to the issuig or card registratio compay withi 24 hours of discovery; uauthorised use of charge, credit or debit cards by a member of your family or domestic employee; DOCUMENT OF INSURANCE HOME 18

20 moey ad credit cards if we have agreed to a claim uder the cotets sectio as a result of the same icidet; ay loss or damage which is covered by aother isurace. Pedal cycles (optioal cover) This sectio oly applies if selected by you ad show as covered o your schedule. Pedal cycles beig property belogig to you or your family, or for which you or they are legally resposible. The most we will pay for ay oe pedal cycle ad its accessories is the value show agaist it o your schedule. We will provide cover for ay loss or damage to pedal cycles i Europe ad up to 60 days worldwide i ay oe period of isurace. We will ot pay for: theft of ay pedal cycles away from your home, uless locked to a immovable object or withi a locked buildig; theft of pedal cycle accessories uless they are stole with the pedal cycle; loss or damage whilst racig, pace-makig or takig part i time trials; motorised pedal cycles. Settlig claims cotets, persoal possessios ad pedal cycles This sectio describes how we deal with your claim. If the loss or damage is covered by this isurace we will agree with you whether to: arrage for repair or replacemet usig oe of our suppliers; or pay the cost of repair or replacemet; or make a cash paymet. We ll take off a amout for wear ad tear for clothig ad also if it is: ot i a good coditio; or ot replaced. You caot claim for ew items if repair is ecoomically possible or if you replace the item with a secod had oe. Repairs completed by our approved suppliers as a result of a claim covered by this isurace, are guarateed for 12 moths. Cash paymets If we ca offer a repair or replacemet through oe of our suppliers ad you choose ot to have the item repaired or replaced, we ll ot pay more tha the amout we would have paid our supplier. If we re uable to offer repair or a equivalet replacemet is ot available, we ll pay the earest cash equivalet or curret market value of the item at the time of the loss or damage. Excesses that apply If your schedule shows that you have to pay a excess, this is the amout you must pay as the first part of ay claim. The most we will pay for ay claim is the limit of cover, less ay excess. 19 DOCUMENT OF INSURANCE HOME

21 Your policy does ot cover claims arisig from wear ad tear or gradual deterioratio. It is your resposibility to keep your cotets, persoal possessios ad pedal cycles i a good coditio. Please read the Geeral coditios ad Geeral exclusios sectios of this booklet for further details. Proof of value I the evet of a claim for ay valuable or jewellery item show o your schedule, you will eed to provide proof of its value ad owership of that item. This evidece must be i the form of a professioal valuatio or purchase receipt. Failure to provide this evidece could affect the outcome of the claim. Limit of cover The limit of cover show o your schedule must represet the full replacemet value of all your cotets as ew (apart from clothig where you may take off a amout for wear ad tear). This cotets limit must iclude all your cotets withi your home, your valuables, etertaimet items, persoal possessios take away from your home ad all your pedal cycles. Uder isurace If the limit of cover is less tha the full replacemet cost of the cotets of your home, we will reduce the amout claimed i proportio with the uder isurace. For example if the limit of your cotets cover is equal to 75% of the amout eeded to replace all the cotets, we will pay oly 75% of your claim. Matchig Sets ad Suites If you make a claim for ay damaged item that forms part of a matchig set or suite, we will cotribute 50% towards the cost of replacig ay udamaged items which are part of the same set or suite if a repair or replacemet for the damaged item is ot available. If you make a claim for a damaged carpet that matches a adjoiig room, we will cotribute 50% towards the cost of replacig the udamaged carpet i the adjoiig room if repair or replacemet of the damaged carpet is ot available. We will ot pay for replacig udamaged carpets i ay other rooms. You must tell us if the value of your cotets icrease beyod the limit of cotets cover stated o your schedule. Please esure that the limit of cover for your persoal possessios is adequate. Idex likig The limit of cover show o your schedule may be icreased durig the period of isurace i lie with the Retail Price Idex or aother suitable idex if this is ot available. We may update your limit of cover whe your policy is due for reewal. This does ot apply to persoal possessios or pedal cycles. We will ot reduce the limit of cover if the Retail Price Idex falls. DOCUMENT OF INSURANCE HOME 20

22 Home emergecy (optioal cover) This sectio oly applies if selected by you ad is show as covered o your schedule. Home emergecy isurace is desiged to complemet your home isurace ad provide beefits ad services, which are ot ormally available uder home isurace. However, please remember this is ot a home maiteace cotract ad it is ot iteded to cover routie home maiteace which you should carry out or pay for (such as servicig of your cetral heatig system) ad the replacemet of parts that ted to wear out over a period of time. The isurace covers the cost of emergecy assistace as a result of a emergecy at your home, which occurs withi the period of isurace stated o your schedule ad as log as you keep to the policy coditios. How to claim Cotact our home emergecy claim umber o as soo as you discover the emergecy ad please have your home isurace policy umber available whe you call. The service is available 24 hours a day, 365 days a year. If a emergecy could result i serious damage or dager you should immediately report it to the gas, electricity or water compay, the local authority or the emergecy services. If you smell gas or discover a leak, you should call Natioal Grid o Defiitios Wherever these defiitios appear i this home emergecy sectio, they have the followig meaig ad are i additio to the defiitios show at the begiig of this documet of isurace. Approved repairer A perso, compay or orgaisatio we authorise to carry out repair work. Beyod ecoomical repair Whe the cost of repairig your boiler is more tha the cost of replacig it or if replacemet parts are ot readily available. Draiage system Draiage pipes ad sewers that you have legal resposibility for withi the boudaries of your home or beyod the boudary that do ot joi a public sewer. Emergecy A sudde ad uforesee icidet at your home which, if ot dealt with quickly, will: make your home usafe or isecure; cause damage to your home ad/or its cotets; or leave your home without essetial services. Emergecy assistace Work carried out by a approved repairer to resolve the immediate emergecy. This may ivolve a temporary or permaet repair. 21 DOCUMENT OF INSURANCE HOME

23 Essetial services The draiage system, mai heatig system, iteral gas, electricity or water supply where o reasoable alterative exists ad the service is ecessary to prevet a emergecy. Home maiteace Work you must arrage ad pay for to maitai your property i good coditio ad keep ay systems ad appliaces i good workig order, ad which is ot covered uder this home emergecy isurace. A regular boiler service i accordace with the maufacturers guidelies will help to prevet a emergecy occurrig. Examples of home maiteace iclude: servicig your mai heatig system icludig the cost of parts ad labour required as a result of ay service; the cost of power flushes to remove sludge or corrosio from a mai heatig or iteral plumbig system; the cost of ay test, survey or search required to trace ay fault after we have resolved the immediate emergecy by completig a temporary repair; the cost of updatig or improvig your home s essetial services such as replacig lead pipes, re-wirig (icludig replacemet fuse boxes or cosumer uits); the cost of removig debris from gutters ad drai pipes; the cost of replacemet parts or materials that ted to wear out over a period time such as roofig materials, tap washers, mixer valves ad shower pumps. Iteral plumbig Water supply pipes ad taps beyod the mais stopcock, icludig storage taks, ad saitary ware (e.g. baths, basis ad toilets) that you have legal resposibility for ad that are withi your home, but ot udergroud water supply pipes. Mai heatig system The mai hot water or cetral heatig system i your home that you have legal resposibility for. But ot: boilers over 15 years old; warm air, solar or uder-floor systems; oil fired, LPG or propae systems. Permaet repair Work eeded to put right ay loss or damage to your home caused by the emergecy. Where possible, we will look to complete a permaet repair if this ca be carried out durig the same visit ad at a similar cost to a temporary repair. However, there will be times whe this wo t be possible such as: where a permaet repair ivolves home maiteace, which you must arrage ad pay for; where the loss or damage is ot covered uder this home emergecy sectio, for example, repairs to a damaged ceilig ad cotets followig a burst pipe; ay loss or damage to decoratios, fixtures, fittigs ad outside surfaces such as paths, drives ad patios, which are disturbed, removed or replaced i the process of providig emergecy assistace. DOCUMENT OF INSURANCE HOME 22

24 You may be able to claim these costs back if the loss or damage is covered uder your home isurace. We will advise you if you eed to make a home isurace claim ad help you through this process. Temporary repair A repair that will resolve the immediate emergecy but may eed to be replaced by a permaet repair. Pests Bees, wasps, horets, rats, mice, squirrels. What is covered I the evet of a emergecy at your home, we will: tell you how to protect yourself ad your home before help arrives; orgaise ad pay for a approved repairer to provide emergecy assistace, up to a maximum of 500 (icludig call out, parts, labour ad VAT) for ay oe emergecy. We will pay for emergecy assistace for the followig isured evets: 1. Heatig. Failure of the mai heatig system i your home, but ot: boilers over 15 years old; warm air, solar or uder-floor systems; oil fired ad LPG or propae systems; boilers that have ot bee serviced withi the last three years. If the approved repairer determies that failure has occurred as a direct result of the boiler ot beig serviced withi the last three years, we will ot pay the cost of ay parts ad labour costs required to fit them; the cost of replacig water storage taks, cylider taks, outside overflows, showers (icludig mixer valves ad shower pumps), radiators, storage or pael heaters; breakdow, loss or damage to domestic appliaces or udergroud water supply pipes; ay fault that does t result i a failure of the mai heatig system, such as oisy pipe work or where a timer has failed, but where hot water ad heatig are still available; repair of a boiler that is beyod ecoomical repair. I this situatio, we will esure your home is safe ad, if required, the approved repairer will provide you with a quotatio for a suitable replacemet. We will also pay you up to 500 towards the cost of replacig your boiler, providig the curret boiler has bee serviced withi the last three years. 2. Iteral plumbig ad draiage system. Damage to or failure of iteral plumbig ad draiage system at your home, but ot: the cost of repairig or replacig ay mai heatig system compoet, which may be covered uder sectio 1 Heatig; leakig or drippig taps or showers that eed a ew washer; the cost of replacig water storage taks, cylider taks, outside overflows, macerators, showers (icludig mixer valves ad shower pumps), radiators ad saitary ware (e.g. baths, basis ad toilets); breakdow, loss or damage to domestic appliaces, or udergroud water supply pipes; a shared draiage system where it jois the public sewer. 23 DOCUMENT OF INSURANCE HOME

25 3. Electrical system. Failure of the permaet electrical system that you have legal resposibility for from the electric meter i your home to fuse boxes, sockets, switches ad light fittigs. But ot: the failure of a sigle light or socket uless the failure is i a kitche or bathroom or the fault has caused the whole circuit to fail; the cost of repairig or replacig ay mai heatig system compoet, which may be covered uder sectio 1 Heatig; the cost of replacig macerators, radiators, showers (icludig shower pumps), storage or pael heaters; the cost of replacig light bulbs or decorative light fittigs; wirig for telephoes, TV aerials, satellites or cable services; failure of burglar alarm systems or CCTV equipmet; breakdow, loss or damage to domestic appliaces. 4. Iteral gas supply. Failure of the iteral gas supply that you have legal resposibility for from the gas meter i your home to oe or more appliaces, but ot: the cost of repairig or replacig ay mai heatig system compoet, which may be covered uder sectio 1 Heatig; breakdow, loss or damage to domestic appliaces. 5. Roofig. Sudde ad uexpected roofig problems such as leaks or tiles blow off durig a storm or bad weather, but ot: where there is o immediate risk of iteral damage to your home or its cotets such as where oly dampess is preset; where the approved repairer is ot able to idetify where water is eterig your home ad there is o visible damage to the roof. Emergecy assistace may ivolve a temporary repair such as fittig a tarpauli to prevet water eterig your home. Please ote that you may have to arrage ad pay for home maiteace work i order to complete a permaet repair. If the loss or damage is covered uder your home isurace such as storm damage, you may be able to make a claim for the costs of a permaet repair. 6. Loss of keys. Where the keys to your home have bee lost or stole ad you are t able to gai access to it. The approved repairer will help you get back ito your home ad replace ay locks damaged i the course of gaiig etry, or ay locks where the oly key has bee lost or stole. 7. Home security. Broke or damaged widows ad doors that compromise the security of your home or prevet you from gaiig access. But ot loss or damage to boudary walls, gates, hedges or feces. The approved repairer will make your home safe ad replace ay glass or locks that have bee broke or damaged. 8. Pest ifestatio. Assistace with the removal of pests from your home, but ot if you have ot followed the approved repairer s recommedatios o prevetig ad cotrollig pests. DOCUMENT OF INSURANCE HOME 24

26 Geeral exclusios home emergecy (see also the Geeral exclusios which apply to the whole policy) We will ot pay: ay emergecy which happes before cover starts, or arises as a result of circumstaces kow to you before cover starts; the cost of emergecy assistace before we have accepted a claim; a emergecy if your home has bee uoccupied for more tha 60 days i a row; the cost of emergecy repairs to a property that you ret out or let; a emergecy arisig from the discoectio, iterruptio or breakdow of the gas, water or electric supply caused by or the resposibility of ay public service compay, or ay equipmet they are resposible for; ay subsequet claim relatig to the same problem where home maiteace has ot bee carried out i order to prevet the emergecy recurrig; ay home maiteace which you should carry out or pay for (such as servicig of the mai heatig system); the replacemet of parts or materials that ted to wear out over a period of time such as roofig materials, tap washers, mixer valves ad shower pumps; the cost of further work if our approved repairer has resolved the immediate emergecy by completig a temporary repair; the cost of repairs more specifically isured elsewhere i this documet of isurace or ay other policy; ay wilful or egliget act by you, your family or ay residet(s). 25 DOCUMENT OF INSURANCE HOME

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