Householder's Insurance Policy Insurances Effected at Lloyd's

Transcription

1 Householder's Insurance Policy Insurances Effected at Lloyd's BROKER

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3 Contents page number Introduction and Preamble 1 Section One Buildings 2 Section Two Contents 5 Section Three Accidents to Domestic Staff 9 Section Four Legal Liability to the Public 10 Section Five Valuables and Personal Effects 12 Section Six Pedal Cycle Extension 13 Section Seven Money and Credit Cards 13 Section Eight Accidental Damage Extension Buildings 14 Section Nine Accidental Damage Extension Contents 14 Definitions of Geographical Limits which are Stated in this Insurance 15 General Conditions and Exclusions 16 Additional Clauses 17 Small Additional or Return Premiums 19 Householder s Insurance Certificate June 2004

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5 Introduction The Insured is requested to read the Policywording and Schedule and/or Certificate of Insurance and if it is incorrect, return it immediately for alteration. In all communications the policy number appearing in line one of the Schedule should be quoted. In the event of the happening of any occurrence likely to result in a claim under this Insurance, immediate notice should be given to: Willis Limited Preamble Please read the Schedule and/or Certificate of Insurance and make sure it meets your requirements. The insured having paid or agreed to pay the premium, the underwriter will provide insurance against loss, damage or injury which may occur during the period of insurance in accordance with the sections specified in the schedule subject to the exclusions, conditions and endorsements of this Policy. The proposal and declaration completed by the insured is the basis of and forms part of this contract. The Policy, schedule and endorsements shall be read together as one contract. This Policy is issued and administered by Willis Limited on behalf of the underwriters. Douglas Elliot Willis Limited Friars Street Ipswich IP1 1TA Householder s Insurance Certificate June

6 Section One Buildings The Marginal Notes are intended for guidance only. They do not form part of this Insurance, nor do they claim to be an exact description of its meaning. Definition of Standard Construction This Section covers the buildings of the private dwelling(s) situated within the premises named in the schedule, constructed of brick, stone or concrete and the external surface of the roof constructed of slates, tiles, concrete, asphalt or of any entirely incombustible mineral ingredients. Also covered are: (a) interior decorations and landlord's fixtures and fittings within the buildings (b) domestic outbuildings and garages of standard or non-standard construction, domestic fixed fuel oil tanks, swimming pools, tennis courts, paved patios and terraces, paths, drives, walls, gates, fences and hedges all owned by the Insured or for which the Insured is legally responsible and within the premises named in the schedule. Perils and Specific Exclusions The Buildings are covered against loss or damage directly caused by: 1. Fire, Lightning, Explosion or Earthquake. 2. Aircraft and other aerial devices or articles dropped therefrom. 3. Storm, Tempest or Flood. Exclusions applicable to peril 3 (a) Subsidence, Landslip or Heave, other than as covered under Peril 9 (b) loss or damage to gates, fences and hedges (c) the first 25 of each loss or damage sustained (d) frost. 4 Escape of Water from fixed water tanks, apparatus or pipes. Exclusions applicable to peril 4 (a) Subsidence, Landslip or Heave. other than as cover under Peril 9 (b) loss or damage whilst the Buildings are unfurnished for more than 30 consecutive days (c) the first 25 of each loss or damage sustained. 5 Escape of Oil from domestic fixed fuel oil tanks, apparatus or pipes. 6. Theft or attempted Theft. Exclusions applicable to peril 6 loss or damage (a) whilst the Buildings are unfurnished for more than 30 consecutive days (b) whilst the Buildings are let or sub-let unless such loss or damage is consequent upon violent and forcible-entry or exit. 7. Impact by any vehicle or animal. Exclusions applicable to peril 7 the first 25 of each loss or damage caused by any vehicle or animal belonging to or under the control of the Insured or any permanent member of the Insured's household. 2 Householder s Insurance Certificate June 2004

7 Section One Buildings (continued) 8. Any person taking part in a riot, violent disorder, strike, labour disturbance, civil commotion or by any person of malicious intent. Exclusion applicable to peril 8 loss or damage whilst the buildings are unfurnished for more than thirty consecutive days. 9. Subsidence, Landslip or Heave of the site upon which the buildings stand. Exclusions applicable to peril 9 (a) loss or damage to domestic fixed fuel oil tanks. swimming pools, tennis courts, paved patios and terraces, paths, drives, walls, gates, fences and hedges unless the main building is also affected at the same time by the same peril (b) any claim for which compensation has been provided for under any contract or legislation (c) loss or damage whilst the buildings are undergoing any structural alterations, repairs or extensions (d) loss or damage due to coastal erosion (e) the first 1,000 of each loss or damage sustained. 10. Accidental Breakage or collapse of radio and television aerials, satellite dishes, their fittings and masts, that are fixed to the buildings. Exclusion applicable to peril 10 Fire or damage to radio and television aerials satellite dishes, their fittings and masts. 11. Falling Trees, Telegraph Poles and Lamp Posts. Exclusions applicable to peril 11 (a) loss or damage to gates, fences, (other than chain link fences pertaining to a tennis court) and hedges, by falling trees (b) the first 25 of each loss or damage sustained. 12. Smoke Damage resulting from a defect in any fixed domestic heating installation. Exclusions applicable to peril 12 loss or damage caused by: (a) wear and tear and gradual deterioration (b) gradual emission. Accidental Breakage of Fixed Glass Double Glazing and Sanitary Fixtures Accidental Damage to Supply Pipes Cables and the Like Loss of Rent and Additional Costs of Alternative Accommodation This Section also includes: A. Accidental Breakage of fixed glass, double glazing (including the cost of removing or breakage of replacing frames), solar panels, sanitary fixtures and ceramic hobs all forming part of the buildings. Exclusion applicable to A loss or damage whilst the buildings are unfurnished for more than 30 consecutive days. B. The cost of repairing Accidental Damage (including necessary replacement and/or adjustment) to all and/or any part of the systems of drainage, sewage, water, telephone cables, underground television cables, gas and/or electric mains and pipes belonging to and in connection with the insured buildings either in or on the premises, or outside or in the public thoroughfare so far as the Insured may be legally liable. C. Loss of Rent which the Insured is unable to recover, and Additional Costs of Alternative Accommodation necessarily incurred by the Insured as owner, but not as occupier, of the buildings, in consequence of the buildings becoming uninhabitable following damage caused by any of the insured perils, provided that the Underwriters' liability does not exceed 20% (twenty per cent) of the sum insured on such buildings and is limited to the period the buildings are uninhabitable. Householder s Insurance Certificate June

8 Section One Buildings (continued) Metered Water D. Increased Metered Water Charges incurred by the Insured, resulting from an escape of water which gives rise to an admitted claim caused by any of the perils insured. The Underwriters' liability shall not exceed 500 in any period of insurance or in the aggregate if both Sections One and Two are covered by this Insurance. Additional Expenses E. Expenses Necessarily Incurred, following damage to the buildings by any of the insured perils, in connection with the removal of debris and/or demolition, shoring up or propping of the damaged parts of the buildings; any extra cost of reinstatement of the destroyed or damaged buildings made necessary to comply with Government or Local Authority requirements, but not when notice has been served prior to the time of loss; and Architects', Surveyors', Legal and other fees necessarily incurred in the reinstatement of the buildings. Exclusion applicable to E any expenses incurred in the preparation of a claim or an estimate of loss. Reinstatement Condition F. In the event of loss or damage to the buildings stated in the schedule, the Underwriters will pay the full cost of repair at the time of such loss or damage, provided that the buildings are maintained in a good state of repair; that they are insured for the full cost of reconstruction in their present form; and that reinstatement shall have been effected. If the buildings are not in good repair, the Underwriters will make a deduction for wear and tear and gradual deterioration. Automatic Reinstatement of sum insured G. The sum insured under this Section shall not be reduced following the payment of a claim provided that the Insured shall agree to carry out the Underwriters' recommendations to prevent further loss or damage. Index-linking on Buildings Special Condition Condition (Average) Contracting purchaser H. It is understood and agreed that the sum insured by Section One buildings will be adjusted each month in accordance with the House Rebuilding Cost Index issued by the Royal Institute of Chartered Surveyors or its equivalent. Index linking of the sum insured will continue during repair or reinstatement following loss or damage, until expiry of this Insurance, provided the sum insured at the tune of loss or damage represents the full rebuilding cost and that the Insured ensures that the work is carried out without undue delay. No additional premium will be charged for each monthly increase but at each renewal the premium will be calculated on the revised sum(s) insured. Special Condition In respect of each premises separately, the liability of the Underwriters for any loss or damage shall not exceed the respective sum insured specified in the schedule, nor shall it exceed such proportion of the said loss or damage as the said sum bears to the total value thereof. A contracting purchaser shall enjoy the benefit of this Section until completion of the sale purchaser provided that the buildings are not otherwise insured and that the date of completion is during the currency of this insurance. Note The cover provided by this Section is also subject to the General Conditions and Exclusions of this Insurance. 4 Householder s Insurance Certificate June 2004

9 Section Two Contents Definition of Standard Construction This Section covers the contents of the buildings of the private dwelling(s) situated within the premises named in the schedule which are constructed of brick, stone or concrete and the external surface of the roof constructed of slates, tiles, concrete, asphalt or of any entirely incombustible mineral ingredients. Also covered are the contents of domestic outbuildings and garages of standard or non-standard construction situated within the premises named in the schedule. Definition of Contents The word "Contents" means household goods and all other personal property, tenant's fixtures and fittings, including radio and television aerials, satellite dishes, their fittings and masts, that are fixed to the buildings, all of which are owned by or are the legal responsibility of the Insured or of any permanent member of the Insured's household. Exclusions applicable to definition of contents Specific Sub-Limits Perils and Specific Exclusions (a) motor vehicles (other than domestic gardening implements), caravans, trailers or water craft, and accessories attached thereto (b) animals (c) any part of the buildings (d) any property specifically insured against such loss or damage as is covered hereby under any other insurance. Underwriters' liability in respect of each private dwelling, and elsewhere as hereinafter defined, shall not exceed during the period of this insurance: (a) 1,000 in respect of property in the open but within the confines of the premises. This limit shall not apply to radio and television aerials, satellite dishes, their fittings and masts, that are fixed to the buildings (b) 250 in respect of cash, currency, bank notes, credit cards, negotiable documents, coins or stamps not forming part of a coin or stamp collection (c) 500 in respect of deeds, registered bonds and other personal documents (d) 2,000 in respect of stamps or coins forming part of a collection (e) 5,000 or 15% (fifteen per cent) of the sum insured on contents whichever is the less in respect of gold, silver, gold and silver plated articles, jewellery and furs (f) 1,000 in respect of domestic fuel oil in fixed tanks. The contents are covered against loss or damage directly caused by: 1. Fire, Lightning, Explosion or Earthquake. 2. Aircraft or other aerial devices or articles dropped therefrom. 3. Storm, Tempest or Flood Exclusions applicable to peril 3 loss or damage to property in the open except radio and television,aerials. satellite dishes their fittings and masts that are fixed to the buildings. 4. Escape of Water from fixed water tanks, apparatus or pipes. 5. Escape of Oil from domestic fixed fuel oil tanks, apparatus or pipes. 6. Theft or attempted Theft. Exclusion applicable to peril 6 loss or damage whilst the buildings are LET OR SUB-LET unless such loss or damage is consequent upon violent and forcible entry or exit. Householder s Insurance Certificate June

10 Section Two Contents (continued) 7. Impact by any vehicle or animal. Exclusion applicable to peril 7 the first 25 of each loss or damage caused by any vehicle or animal belonging to or under the control of the Insured or any permanent member of the Insured's household. 8. Any person taking part in a riot, violent disorder, strike, labour disturbance, civil commotion or by any person of malicious intent. 9. Subsidence, Landslip or Heave of the site upon which the buildings stand. Exclusions applicable to peril 9 (a) any claim for which compensation has been provided for under any contract or legislation (b) loss or damage whilst the buildings are undergoing any structural alterations, repairs or extensions (c) loss or damage due to coastal erosion. 10. Falling Trees, Telegraph Poles and Lamp Posts. 11. Smoke Damage resulting from a defect in any fixed domestic heating installation. Exclusions applicable to peril 11 (a) wear and tear and gradual deterioration (b) gradual emission. Contents Away from the Premises Frozen Food This Section also includes: A. The contents, if and so far as these are not otherwise insured whilst temporarily removed from the premises, against loss or damage 1. caused by any of the perils insured under this section (a) in any occupied private dwelling (b) in any building where the Insured or any permanent member of the Insured's household is residing or is employed (c) in any trade building for the purpose of valuation, repair, alteration, cleaning or processing (d) in any furniture depository, up to a limit of 20% (twenty per cent) of the sum insured on contents (e) whilst deposited for safe custody in any hotel, inn, lodging house, club, bank or safe deposit. 2. Elsewhere caused by the perils of Fire, Lightning, Explosion, Aircraft or Earthquake only. 3. During the process of the removal and transit following permanent change of residence or whilst in transit to and from any bank, safe deposit or furniture depository, caused by the perils of Fire, Lightning, Explosion, Aircraft, Earthquake, Theft or attempted Theft only. The cover provided under this Sub-Section 'A' shall exclude: (a) contents outside the United Kingdom or Ireland (b) Cash, currency, bank notes, credit cards or negotiable documents. B. The contents of frozen food cabinet(s) or domestic refrigerator(s) up to but not exceeding 200 in all against deterioration or putrefaction due to a change in temperature following: 1. breakdown of the refrigeration machinery 2. failure of the public electricity or gas supply 3. the action of refrigerant fumes escaping from the equipment 6 Householder s Insurance Certificate June 2004

11 Section Two Contents (continued) 4. The blowing of domestic fuses. Exclusions applicable to peril 4 Accidental Damage to Certain Equipment (a) the deliberate act of any electricity or gas supply authority or the exercise by any such authority of its power to withhold or restrict supply (b) the failure of the electricity or gas supply due to strikes or any other withdrawal of labour by employees of any electricity or gas authority. C. 1. Accidental Damage by external and visible means to audio and audio visual units, television sets, video recorders, telephones, microwave ovens and home computers but only whilst in the private dwelling(s) situated within the premises named in the schedule. Exclusion applicable to peril C.1. Breakage of Glass Loss of Keys Rent Additional Costs Liability as Tenant for Loss or Damage to the Building Liability as Tenant for Cost of Repairing Underground Pipes and Cables damage too tapes, discs or computer software. 2. Accidental Breakage of mirrors, glass tops and fixed glass in furniture, ceramic hobs and of fixed glass and sanitary fixtures forming part of the buildings situated within the premises named in the schedule, the property of the Insured or for which the Insured is legally responsible and is not otherwise insured. D. Costs necessarily incurred up to but not exceeding 500 in all for replacing locks to safes, external doors and alarms of the private dwelling(s) stated in the schedule following loss of the keys to such safes, locks and alarms. E. Rent up to twelve months for which the Insured is liable as occupier if the buildings are rendered uninhabitable by any of the insured perils, not exceeding 25% (twenty five per cent) of the sum insured on contents of the buildings damaged or destroyed. F. Additional Costs of alternative accommodation necessarily incurred by the Insured as occupier, but not as owner, if the buildings are rendered uninhabitable by any of the insured perils, not exceeding 20% (twenty per cent) of the sum insured on contents of the buildings damaged or destroyed. G. The Insured's legal liability as tenant, up to 10% (ten per cent) of the sum insured under Section Two, for loss or damage to the buildings caused by any of the insured perils Exclusions applicable to peril G (a) for loss or damage caused by Fire, Lightning or Explosion to the buildings other than the building landlord's fixtures and fittings (b) arising from Subsidence, Landslip or Heave (c) caused by any person of malicious intent (d) whilst the buildings are insufficiently furnished for normal habitation (e) for the first 25 of loss or damage caused by Escape of Water from fixed water tanks, apparatus or pipes, Storm, Tempest or Flood, falling trees or parts thereof, telegraph poles and lamp posts. H. The Insured's legal liability as tenant for The Cost of Repairing accidental damage to domestic fuel oil pipes, underground water supply pipes, underground gas pipes, sewers, drains, underground electricity or telephone cables, underground television cables for which the insured is responsible. Wedding Gifts I. Wedding Gifts the property of the Insured or any member of the Insured's family permanently residing with the Insured, not exceeding 10% (ten per cent) of the sum insured on the contents of the buildings or 2,500, whichever is the less, following loss or damage by any of the insured perils occurring during the period of one month before and after the wedding of the Insured or any member of the Insured's family permanently residing with the Insured, and within the period of this insurance. Householder s Insurance Certificate June

12 Section Two Contents (continued) Christmas Gifts Metered Water Fatal Injury Basis of Settlement Condition Automatic Reinstatement of sum insured Index-linking on Contents J. Christmas Gifts the property of the Insured or any member of the Insured's family permanently residing with the Insured, not exceeding 10% (ten per cent) of the sum insured on the contents of the buildings or 2,500, whichever is the less, following loss or damage by any of the insured perils occurring (during the months of December and January) within the period of this Insurance. K. Increased Metered Water Charges incurred by the Insured, resulting from air escape of water which gives rise to an admitted claim caused by any of the perils insured. The Underwriters' liability shall not exceed 500 in any period of insurance or in the aggregate if both Sections One and Two are covered by this Insurance. L. Fatal Injury to the Insured, or to the Insured's resident partner, or both, occurring at the premises named in the schedule, occasioned by outward and visible violence caused by Burglars or by Fire, provided that: (a) death ensues within twelve months of such injury (b) the liability of the Underwriters shall be 10,000 for each person insured. M. In the event of the total loss or destruction by any of the insured perils of, any article insured under this section, the basis of settlement shall be the cost of replacing the article new, provided that the article is substantially the same as but not better than the original article when new. This basis of settlement shall not apply to wearing apparel more than two years old or separately specified items. N. The sum insured under this Section shall not be reduced following the payment of a claim provided that the Insured shall agree to carry out the Underwriters' recommendations to prevent further loss or damage. O. It is understood and agreed that the sum insured by Section Two Contents will be adjusted each month in accordance with the Consumer Durables Section of the Retail Price Index prepared by the Department of Employment or its equivalent. No additional premium will be charged for each monthly increase but at each renewal the premium will be calculated on the revised sum(s) insured. Special Conditions (Average) Special Condition In respect of each premises separately, the liability of the Underwriters for any loss or damage (Average) shall not exceed the respective sum insured stated in the schedule, nor shall it exceed such proportion of the said loss or damage as the said sum bears to the total value thereof. Note The cover provided by this Section is also subject to the General Conditions and Exclusions of this Insurance. 8 Householder s Insurance Certificate June 2004

13 Section Three Accidents to Domestic Staff The Cover Provided This Section indemnifies the Insured against legal liability, including costs and expenses incurred by the Insured with the Underwriters' written consent, whether under any statute or at common law for damages in respect of: Bodily Injury by Accident or Disease occurring during the currency of this Insurance anywhere in the World to any domestic staff of the Insured employed in connection with the premises named in the schedule of which the contents are insured under Section Two; in connection with any temporary residence; or in connection with any car (whether as chauffeur or otherwise) which is used by the Insured or by any permanent member of the Insured's household. The Limit of Liability The maximum Limit of Liability in respect of employers liability claims is 2,000,000 any one accident or series of accidents arising from any one event. Exclusions applicable to the limit of liability (a) any injury sustained whilst employed in connection with any car which is being used for racing, pace-making or speed-testing (b) any injury or illness caused directly or indirectly by the transmission of venereal disease, Acquired Immune Deficiency Syndrome (AIDS) or AIDS related complex (ARC) (c) any injury in Canada or the United States of America after the total period of stay in either or both countries has exceeded 30 (thirty) days in any one period of Insurance. Note The cover provided by this Section is also subject to the General Conditions and Exclusions of this Insurance (Except Number 3). Householder s Insurance Certificate June

14 Section Four Legal Liability to the Public Terms of Cover The Limit of Liability Cover Provided Owners' and Occupiers' Liability Personal Liability This Section shall apply in the following manner: (a) where the buildings Only are insured herein, the Insured's legal liability as Owner Only but not as Occupier is covered under `A' below but no indemnity whatsoever is given in respect of `B' below (b) where the contents Only are insured herein, the Insured's legal liability as Occupier Only but not as Owner is covered under `A' and `B' below (c) where both the buildings and contents are insured herein, the Insured's legal liability as Owner or Occupier is covered under `A' and `B' below. The Limit of Liability in respect of all claims under this Section shall not exceed 2,000,000 any one Accident or series of accidents arising out of any one event in the United Kingdom or 1,000,000 elsewhere in the world, plus the costs and expenses incurred by the Insured with the Underwriters' written consent in the defence of any such claim. Indemnity is provided under this Section for Bodily Injury by Accident or Disease or Damage to Property happening during the period specified in the schedule for which legal liability may attach as follows: A. To the Insured as owner or occupier of the buildings in respect of accidents occurring in or about the premises named in the schedule or B. To the Insured and any member of the Insured's family residing within the Insured's household (who shall be regarded for the purposes of this Section as if he or she were the Insured) for accidents occurring anywhere in the World. No cover is afforded hereunder for accidents occurring in Canada or the United States of America unless the Insured (as defined in `B' above) is not entitled to indemnity in respect of such accident under any other insurance (including but not limited to any travel insurance). No cover shall in any event be afforded to the Insured (as defined in `B' above) in respect of accidents occurring in Canada or the United States of America after the total period of stay in either or both countries has exceeded 30 (thirty) days in any one period of Insurance. Exclusions applicable to B This Section does not indemnify the Insured or any member of the Insured's family residing within the Insured's household against any liability 1. for bodily injury by accident or disease to any person who, at the time of sustaining such injury, is engaged in the Insured's service, or to any member of the Insured's family or household 2. arising directly or indirectly out of the transmission of venereal disease, Acquired Immune Deficiency Syndrome (AIDS) or AIDS related complex (ARC) by Any Person named hereunder 3. for damage to property belonging to or in the care, custody or control of the Insured or a member of the Insured's family or household or a person in their service 4. arising out of or incidental to any profession, occupation or business 5. which has been assumed under contract and would not otherwise have attached 6. arising out of the ownership, possession or operation of: (a) any mechanically propelled or horsedrawn vehicle other than a domestic gardening implement operated within the Insured's premises and pedestrian-controlled gardening implements operated elsewhere (b) any power operated lift (c) any Aircraft or watercraft, other than manually operated rowing boats, punts or canoes (d) any animal other than cats, dogs or horses 10 Householder s Insurance Certificate June 2004

15 Section Four Legal Liability to the Public (continued) 7. Dangerous Dogs Act 1991 Exclusion Clause This insurance does not cover any liability arising directly or indirectly from any dog which is designated dangerous under the Dangerous Dogs Act arising out of the ownership, occupation, possession or use of any land or buildings not situated within the premises named in the schedule. Liability under the Defective Premises (Northern Ireland) Order 1975 This Section also includes: The Insured's legal liability incurred by virtue of Section 3 of the Defective premises Act 1972 or Article 5 of the Defective premises (Northern Ireland) Order 1975 in connection with any private dwelling which has been disposed of by the Insured and which, prior to such disposal, was occupied for private residential purposes by the Insured Exclusions applicable to liability under the Defective Premises (Northern Ireland) Order 1975 Reverse Personal Liability (a) any liability where the Insured is entitled to indemnity under any other insurance (b) any claim for the cost of remedying any defect or alleged defect which, if not remedied, may cause, an accident resulting in injury or damage as aforesaid. The Insured being awarded damages and taxed costs in any court of law in the United Kingdom in respect of bodily injury or damage to property as described in Paragraph `B' (Personal Liability), in circumstances which, had the position of the Insured and the responsible party been reversed, would have entitled the Insured to an indemnity within the terms limits and exclusions of this Section, and the Judgement not being subject to an Appeal pending and remaining unsatisfied in whole or in part three months after the date of the said award, the Underwriters will pay the outstanding amount of the Judgement to the Insured subject to the limits of liability under this Section. Having made the payment hereunder, the Underwriters shall be entitled at their own expense and for their own benefit to enforce the Insured's unsatisfied rights against the Judgement Debtor. Note The cover provided by this Section is also subject to the General Conditions and Exclusions of this Insurance. Householder s Insurance Certificate June

16 Section Five Valuables and Personal Effects The Cover and Limits Provided This Section covers Physical Loss of or Damage to the property described in the attached schedule and/or specification(s) from any cause, except as hereafter specified, but is limited to the sums Insured and the Geographical Limits stated therein. Exclusions applicable to the cover and limits provided Replacement Clause Condition Relating to Pairs and Sets Condition of Average Personal Effects not Separately Specified Cover Restrictions on Jewellery outside the UK This Section does not cover (a) any loss or damage if the Insured is engaged in or in any way connected with any form of professional entertaining (b) breakage of articles of a brittle nature other than jewellery and spectacles, unless such breakage is caused by burglars, thieves or Fire (c) loss or damage caused by moth, vermin wear and tear, gradual deterioration, electrical or mechanical breakdown or derangement (d) damage to or deterioration of any article directly caused by the actual process of dyeing, cleaning, repair or renovation (e) loss of cash, currency, bank notes, credit cards, or negotiable documents (f) damage to guns caused by rusting or bursting of barrels (g) breakage of sports equipment whilst in use (h) any loss of or damage to contact, corneal or micro-corneal lenses (i) the first 25 of each loss or damage to unspecified items. The Underwriters shall be entitled at their sole option to replace or repair any article lost or damaged whether wholly or in part or to pay cash. Where any insured item consists of articles in a pair or set, valued 5,000 or over, this Section shall not pay: (a) more than the value of any particular part or parts which may be lost or damaged (without reference to any special value which such article or articles may have as a pair or set) (b) more than a proportionate part of the insured value of the pair or set. Any Item of the specification(s) which covers articles with no individual sum insured is subject to Average: that is to say, if the total value of all articles covered by such Item is, at the time of loss or damage, greater than the sum insured, the Insured shall be entitled to recover only such proportion of the loss or damage as the sum insured bears to the total value. However, if the property described in the specification(s) shall include any item of Personal Effects, and such Personal Effects be lost or damaged elsewhere than at the Insured's premises, then, for the purpose of applying Average (as above), no account shall be taken of the amount of the Insured's Personal Effects at the Insured's premises at the time of the loss or damage. It is hereby understood and agreed that at all times when the Jewellery hereby insured is taken outside the United Kingdom then the exclusion set forth in the undernoted Baggage Clause shall apply and when 3,000 or more of the said Jewellery is taken outside the United Kingdom then the exclusion set forth in the undernoted Hotel/Motel (Jewellery) Clause shall also apply. Exclusions applicable to cover restrictions on Jewellery outside the U.K. Baggage Clause This Insurance EXCLUDES losses of Jewellery from Baggage unless carried by hand and under the personal supervision of the Insured. Hotel/Motel (Jewellery) Clause This insurance EXCLUDES loss of or damage to Jewellery from or in hotel or motel rooms whilst left unattended by the Insured unless the said Jewellery is contained in a locked safe or vault. Note The cover provided by this Section is also subject to the General Conditions and Exclusions of this Insurance. 12 Householder s Insurance Certificate June 2004

17 Section Six Pedal Cycle Extension In consideration of the additional premium paid it is agreed that Section Two extends to cover Pedal Cycle(s) anywhere in the United Kingdom or Ireland, including transit between, against: 1. Loss or Damage by Theft or any attempt thereat Exclusion applicable to 1 accessories unless the Cycle(s) is/are stolen at the same time. 2. Accidental Damage whilst the said Cycle(s) is/are used by the Insured or by any member of the Insured's family, not exceeding the value of the Cycle(s) stated in the schedule. Exclusions applicable to 2 (a) wear and tear, electrical or mechanical breakdown or derangement (b) damage to tyres or lamps, or other accessories, unless the Cycle itself is damaged at the same time (c) loss or damage whilst the Cycle(s) is/are used for racing or pacemaking or is/are let out on hire or is/are used other than for private purposes. Note The cover provided by this Section is also subject to the General Conditions and Exclusions of this Insurance. Section Seven Personal Money and Credit Cards Extension Section Two of this certificate extends to cover loss of or damage to Personal Money comprising Cash (Notes and Coins), Cheques, Postal and Money Orders, National Savings Stamps and Certificates, Unused Postage Stamps, Travellers Cheques, other negotiable documents, Travel Tickets and Credit Cards, held for social, domestic and charitable purpose. In respect of Credit Cards the Underwriters will only indemnify the Insured against any loss for which the Insured is responsible as a result of misuse by any unauthorised person(s) following loss or Theft of any Credit Card together with all costs and expenses incurred with their written consent, arising before the Credit Card Company has received notification of the loss provided the Insured shall comply with all terms and conditions under which the Credit Card was issued. Exclusions applicable to Personal Money and Credit Cards Extension This Section does not cover: (a) shortages due to error or omission (b) depreciation in value (c) losses covered by any other insurance or insurances except in respect of any excess of the amount of which would have been payable under such other insurance or insurances if this insurance had not existed (d) losses not reported to the police, and in the case of Credit Cards, to the issuing Company, within 24 hours of discovery (e) the first 10 of each and every loss (except by Fire) (f) any amount in excess of 250 in all unless of otherwise stated in the schedule and an additional premium paid. The liability of the Underwriters shall not exceed the sum insured nor extend beyond the Geographical Limits stated in the schedule. Note The cover provided by this Section is also subject to the General Conditions and Exclusions of this Insurance. Householder s Insurance Certificate June

18 Section Eight Accidental Damage Extension buildings In consideration of the additional premium paid this certificate extends to cover the buildings insured by Section One against: Accidental Damage by external and visible means. Exclusions applicable to Accidental Damage Extension Buildings: (a) any loss or damage or proportion thereof specifically excluded under Section One (b) settlement, shrinkage, collapse or cracking (c) loss or damage arising out of faulty workmanship, specification, design or materials, inherent vice or latent defect (d) loss or damage whilst the buildings are undergoing alterations, repairs, extensions or any other process (e) loss or damage caused by or arising from wear and tear, gradual deterioration, infestation, rust, corrosion, wet or dry rot, climatic or atmospheric conditions, damp, inherent vice, mould, frost, moth or vermin (f) loss or damage arising out of mechanical or electrical breakdown or derangement (g) loss or damage to outbuildings and garages of non-standard construction, swimming pools, tennis courts, paved patios and terraces, paths, drives, walls, gates, fences and hedges (h) loss or damage whilst the buildings are let or sub-let in whole or in part (i) the cost of maintenance (j) the first 50 of each loss or damage sustained. Note The cover provided by this Section is also subject to the Conditions of Section One (buildings) and to the General Conditions and Exclusions of this Insurance. Section Nine Accidental Damage Extension Contents In consideration of the premium paid this certificate extends to cover the contents insured by Section Two contained in the buildings of the private dwelling situated within the premises named in the schedule against Physical Loss or Damage. Exclusions applicable to Accidental Damage Extension Contents: (a) any loss or damage or proportion thereof specifically excluded under Section Two (b) loss or damage caused by or arising from wear and tear, gradual deterioration, infestation, rust, corrosion, wet or dry rot, climatic or atmospheric conditions, damp, inherent vice, mould, frost, moth or vermin (c) damage to or the deterioration of any article caused by the actual process of dyeing, cleaning, repair or renovation (d) loss or damage arising out of mechanical or electrical breakdown or derangement (e) any amount in excess of 5,000 in all in respect of porcelain, china, glass, jade and ivory (f) loss of or damage to contact, corneal or micro-corneal lenses (g) loss or damage whilst the private dwelling is let or sub-let in whole or in part (h) the first 50 of each loss or damage sustained. Note The cover provided by this Section is also subject to the Conditions of Section Two (contents) and to the General Conditions and Exclusions of this Insurance. 14 Householder s Insurance Certificate June 2004

19 Definitions of Geographical Limits Which are Stated in This Insurance 1. The words "United Kingdom" shall be deemed to include the Isle of Man and the Channel Islands, including transits between. 2. The word "Europe" shall be deemed to include: (a) all Mediterranean islands (b) all countries with a Mediterranean shoreline (c) the Canary Islands (d) Madeira (e) Ireland, including transits between, and (f) elsewhere in the world, for up to but not exceeding 60 days in all during the period of insurance stated in the schedule. Householder s Insurance Certificate June

20 General Conditions and Exclusions General Conditions (applicable to all Sections except as hereinafter expressly varied) Duty of Insured Cancellation Clause 1. The Insured shall take all reasonable steps to prevent loss, damage or accident and maintain the buildings in a sound state of repair. 2. This insurance may be cancelled by or on behalf of the Underwriters by 30 days' notice given in writing to the Insured at their last known address, and the premium shall be adjusted on the basis of the Underwriters receiving or retaining pro-rata premium. This insurance may also be cancelled at any time at the request of the Insured in writing to the Broker who effected the insurance, and the premium shall be adjusted on the basis of the Underwriters receiving or retaining the customary short term premium. "Notice" shall be deemed to be received if sent by recorded delivery post properly addressed. General Exclusions Radioactive Contamination and Nuclear Assemblies Exclusion Sonic Bang Exclusion War Exclusion Date Change Computer Failure Contracts (Rights of Third Parties) Act 1999 Clarification Claims Condition Non-Contribution Clause Procedure Notification Procedure-Subrogation Fraudulent Claims 3. In respect of all Sections other than Section Three this insurance does not cover: (a) (1) loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or any consequential loss (2) any legal liability of whatsoever nature directly by or indirectly caused by or contributed to by or arising from: i) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel (ii) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof. (b) loss or damage or liability directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority 4. Loss or damage or liability arising from equipment, integrated circuit, computer chip, computer software and any other computer related equipment which fail to recognise the date change to the year 2000 or any other date. 5. Any loss or damage or liability arising from equipment, integrated circuit, computer chip, computer software or any other computer related equipment caused by computer failure, computer error or any other malfunction. 6. A person who is not a party to this insurance has no right under the Contracts (Right of Third Parties) Act 1999 to enforce any terms of this insurance, but does not affect any right or remedy of a third party which exists or is available apart from that act. 7. There shall be no liability under this insurance in respect of any claim where the Insured is entitled to indemnity under any other insurance except in respect of any excess beyond the amount which would have been covered under such other insurance had this insurance not been effected. This clause does not apply to Fatal Injury (Section Two L). 8 The Insured shall as soon as reasonably practicable give to the Underwriters notice in writing, with full particulars, of the happening of any occurrence likely to give rise to a claim under this insurance; of the receipt by the Insured of notice of any claim; and of the institution of any proceedings against the Insured. 9. The Insured shall not admit liability for nor offer to agree to settle any claim without the written consent of the Underwriters, who shall be entitled to take over and conduct in the name of the Insured the defence of any claim, and to prosecute in the Insured's name, for the Underwriters' benefit, any claim for indemnity or damages or otherwise against any third party, and shall have full discretion in the conduct of any negotiations and proceedings and the settlement of any claims. The Insured shall give to the Underwriters such information and assistance as the Underwriters may reasonably require. 10. If the Insured shall make any claim knowing the same to be false or fraudulent, as regards amount or otherwise, this insurance shall become void and all claims hereunder shall be forfeited. 16 Householder s Insurance Certificate June 2004