2016 Star Ratings Home Insurance Discussion paper
|
|
- Jared Hoover
- 7 years ago
- Views:
Transcription
1 2016 Star Ratings Home Insurance Discussion paper Defaqto Limited All rights reserved. No parts this publication may be reproduced in any form by any means, whether electronic, mechanical, optical or any other, or be stored in a retrieval system without the express written permission the publisher. The publisher has taken all reasonable measures to ensure the accuracy the information and Ratings in this document and cannot accept responsibility or liability for errors in or omission from any information given and for any consequences arising.
2 About this document This document outlines the key developments and trends that will inform the criteria we use for the 2016 Star Ratings for Home Buildings Insurance and Home Contents Insurance and, based on these, sets out the areas where we would like to consult the industry as part ensuring that our ratings process remains robust and transparent. 2
3 Key developments and trends The market We have reviewed developments in the home insurance market, considering legislation and regulation, provider changes, and home buildings and contents insurance products and propose the following changes to our ratings for 2016: We have reviewed the assumed sum insured which is used to determine the DNA score for a number criteria within the Star Ratings. Our research has shown that the average minimum sum insured provided across the contents market is increasing. Therefore, we are proposing to raise the assumed sum insured from 40,000 to 50,000 for contents cover only We have also reviewed the DNA scoring applicable to minimum excess for both buildings and contents and have amended the DNA scoring applicable We have noticed an increase in the number providers fering Technology & Entertainment Equipment as an option and are proposing to amend our existing criteria to reflect this. The current criterion TV or Video Accidental Damage does not accurately represent the cover fered across the market and therefore we are looking to widen the with the Star Rating criteria 3
4 Legislation and regulation The main focus in this area remains the FCA review into the sale add-ons and its intended ban on optout sales. This review continues to influence our Star Ratings and we are therefore proposing to amend the criteria which relates to the limit indemnity and number perils covered for both Home Emergency and Legal Expenses We have noted a number providers fer different levels cover, particularly in the home emergency market, therefore our research will be based on the highest level Home Emergency and Legal Expenses cover available Providers We reviewed how the make-up distribution has changed in the standard home insurance market over recent years, comparing 2015 to Total distributor numbers have remained fairly static over the period, with 164 distributor brands today compared to 173 in 2010 This summary figure masks some major changes with 55 the distributors in 2010 no longer selling home insurance as at Also 48 the distributor brands in 2018 did not exist in 2010 Products/propositions We looked at the way in which providers' products and propositions are changing over time and noting the way that certain covers which were traditionally included as a standard benefit is now being stripped out and fered on an optional basis. We have noted a change in the way that products are including cover for accidental damage for Technology and Entertainment equipment with this being increasingly fered as an optional cover Accidental damage to glass and mirrors also shows a similar trend, up from 5% in 2010 to 21% in
5 Key implications for the 2016 Ratings process Product area weightings The criteria have been split into the following areas in order to show the weightings for each within the ratings: Rating area - Home Buildings Insurance 2014 No % Star Rating Features 2015 No % 2016 No % Policy Cover - Availability 3 9% 2 7% 2 6% Policy Cover 16 50% 16 53% 16 52% Policy Excesses/Terms 6 19% 6 20% 7 23% Policy Add-Ons 5 16% 4 13% 4 13% Helpline Services 2 6% 2 7% 2 6% Total % % % Rating area - Home Contents Insurance 2014 No % Star Rating Features 2015 No % 2016 No % Policy Cover - Availability 9 16% 7 13% 7 12% Policy Cover 29 50% 29 52% 28 49% Policy Excesses/Terms 14 24% 14 25% 16 28% Policy Add-Ons 4 7% 4 7% 4 7% Helpline Services 2 3% 2 4% 2 4% Total % % % At each Star Rating review we consider market changes and the relevance these factors. As you can see the statistics above demonstrate that we will only change the criteria should the need arise following market changes or amendments, or potential amendments in legislation. 5
6 What does good look like? For 2016 we see no need to change the core criteria for 4 or 5 star products from those which are currently being applied. Home Buildings Insurance Core criteria set for the following Policy Cover Buildings Accidental Damage Alternative Accommodation Glass Breakage Burst Pipes Underground Services Public Liability Defective Premises Policy Excesses/Terms Sum Insured Protection Home Contents Insurance Core criteria set for the following Policy Cover Contents Accidental Damage Money in the Home Contents in the Open Theft from Outbuildings Alternative Accommodation Loss Water Freezer Contents Personal Liability Employers Liability Personal Possessions Money Away from Home Policy Excesses/Terms Sum Insured Protection 6
7 Areas for discussion These are the areas where Defaqto would like to discuss their proposals, and receive any feedback that you might have. Proposed increase to the contents assumed sum insured Amendments to the DNA scoring Alternative Accommodation Amendments to the DNA scoring Minimum Excess New Criterion - Repairs Guarantee Period New Criterion - Combined Excess Home Emergency Cover Home Legal Expenses Insurance New Criterion - Technology and Entertainment New Criterion - Claims Helpline Following a review the market we propose to increase the assumed sum insured for contents from 40,000 to 50,000 Following a review our DNA Structure we propose to change the scoring for this feature. This will also impact the minimum level cover required to meet the 5 and 4 Star Criteria test. Following a review the market we propose to amend the DNA structure applicable to Minimum Excess within both the buildings and contents Star Rating We propose to remove the current Repairs Guarantee criterion from both the Buildings and Contents Star Rating. We propose to reflect the period guarantee rather than the availability for buildings cover only. We propose to introduce a new criterion considering how excesses are applied when a claim is made under more than one section cover. Where multiple levels cover are available we intend to show the maximum limit indemnity and perils available. Where multiple levels cover are available we intend to show the maximum limit indemnity and perils available. We intend to replace the TV and Video Accidental Damage criterion with a feature looking at the wider area Technology and Entertainment. This will consider the availability Accidental Damage cover and will be supplemented by a further feature detailing whether any restrictions are imposed. We propose to include a criterion considering whether a 24 hour claims helpline is available We would also welcome your feedback on the whether the FCA review into the sale add-on products should have a greater influence on our Star Ratings. Star Rating Methodology For 2015 and the proposed 2016 Star Rating criteria we have reduced the overall emphasis on these products. We would like to encourage all providers to contribute their thoughts on whether we should continue to include add-on products as part the overall future home insurance Star Rating proposition. 7
8 Appendix: Proposed 2016 criteria Based on the above analysis, we propose including the following criteria in our assessment process for the 2016 Ratings (core criteria are in bold text; new criteria are highlighted in green). Proposed criteria Home Buildings Insurance Sum Insured Protection Buildings Minimum Excess Buildings Accidental Damage Combined Excess Loss Rent Subsidence Excess Alternative Accommodation Additional Accidental Damage Excess Glass Breakage Minimum Escape Water Excess Burst Pipes Public Liability Underground Services Defective Premises Blockage Sewer Pipe Legal Expenses Limit Trace and Access Number Legal Expenses Perils Emergency Access Gardens Emergency Repairs Helpline Emergency Access Building Repairs Guarantee Period Loss Keys Cover Home Emergency Limit Loss Keys Number Home Emergency Perils Theft Keys Cover Legal Helpline Theft Keys Unoccupancy Period Sale Home 24 Hour Claim Helpline The table below sets out the 2015 criteria that we are planning to remove for Criteria planned for removal Home Buildings Insurance Repairs Guaranteed 8
9 Proposed criteria Home Contents Insurance Sum Insured Protection Freezer Cover Wear and Tear - Clothing Freezer Contents Wear and Tear - Age Temporary Removal Wear and Tear - Linen Student Belongings Cover Wear and Tear - Furs Student Belongings Wear and Tear - Cycles Visitors Effects Contents Accidental Damage Number Special Events Covered Glass Breakage Special Events Increase Technology & Entertainment - Acc Damage House Removal Technology & Entertainment Cover Basis Business Equipment Valuables Inner Limit Business Equipment Sum Insured Single Item Limit Tenants Liability Valuables Single Limit Personal Liability Money in the Home Employers Liability Digital Information Personal Possessions Pedal Cycles Total Single Item Away from Home Loss Keys Cover Money Away from Home Loss Keys Contents Minimum Excess Theft Keys Cover Combined Excess Theft Keys Additional Accidental Damage Excess Contents in the Open Minimum Escape Water Excess Theft from Outbuildings Legal Expenses Limit Plants in the Garden Number Legal Expenses Perils Alternative Accommodation Emergency Repairs Helpline Loss Oil Cover Legal Helpline Loss Oil Home Emergency Limit Loss Water Cover Number Home Emergency Perils Loss Water Unoccupancy Period Title Deeds Reinstatement 24 Hour Claim Helpline 9
10 The table below sets out the 2015 criteria that we are planning to remove for Criteria planned for removal Home Contents Insurance TV or Video Accidental Damage Repairs Guaranteed 10
2015 Home Buildings Insurance Review
2015 Star Ratings Home Insurance Discussion Paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical, optical
More information2016 Star Ratings Landlord Home Insurance Discussion paper
2016 Star Ratings Landlord Home Insurance Discussion paper Defaqto Limited 2015. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,
More information2016 Star Ratings Home Emergency Cover Discussion paper
2016 Star Ratings Home Emergency Cover Discussion paper Defaqto Limited 2015. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,
More information2015 Star Ratings Motorbike Insurance Discussion Paper
2015 Star Ratings Motorbike Insurance Discussion Paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,
More information2015 Star Ratings Commercial Vehicle Insurance Discussion paper
2015 Star Ratings Commercial Vehicle Insurance Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,
More information2015 Star Ratings Boiler Breakdown Cover Discussion paper
2015 Star Ratings Boiler Breakdown Cover Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,
More informationHow To Change Home Insurance
2016 Ratings roundtable meetings Home Insurance Session I Hosted by Angela Pilley and Anna-Marie Duthie Insight Analysts (General Insurance) Purpose Outline and discuss the key issues impacting the 2016
More information2015 Star Ratings. Car Insurance. Discussion paper
2015 Star Ratings Car Insurance Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical, optical
More information2015 Star Ratings Business Insurance Discussion paper
2015 Star Ratings Business Insurance Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,
More information2015 Star Ratings Motor Fleet Insurance Discussion Paper
2015 Star Ratings Motor Fleet Insurance Discussion Paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,
More information2016 Star Ratings Pet Insurance Discussion paper
2016 Star Ratings Pet Insurance Discussion paper Defaqto Limited 2015. All rights reserved. No parts this publication may be reproduced in any form by any means, whether electronic, mechanical, optical
More information2016 Star Ratings Motor Fleet Insurance Discussion paper
2016 Star Ratings Motor Fleet Insurance Discussion paper Defaqto Limited 2015. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,
More information2016 Diamond Ratings Multi-Asset Income Generating Funds Discussion paper
2016 Diamond Ratings Multi-Asset Income Generating Funds Discussion paper Defaqto Limited 2015. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic,
More information2015 Star Ratings Travel Insurance Discussion paper
2015 Star Ratings Travel Insurance Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical, optical
More informationHOME CHOICE INSURANCE POLICY SUMMARY
HOME CHOICE INSURANCE POLICY SUMMARY μ Home Choice Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions
More information2015 Star Ratings. Credit Cards. Discussion paper
2015 Star Ratings Credit Cards Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical, optical
More informationPark Home Policy Summary
Insuring Your Dream Park Home Policy Summary This is a summary and does not contain the full terms and conditions of the cover, which can be found in the Policy booklet(s). It is important that you read
More information2015 Star Ratings. Current Accounts. Discussion Paper
2015 Star Ratings Current Accounts Discussion Paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical, optical
More informationHOME CONTENTS INSURANCE
HOME CONTENTS INSURANCE Low cost peace of mind Easy payment weekly or monthly with your rent No excess payment required if you claim Cover for most household items including TV, video, DVD players and
More informationHome Insurance. Our Policy is You
Home Insurance Our Policy is You 1 Contents Quick Guide to Home Insurance 2 Why Choose FBD Home Insurance? 4 What is Covered? Buildings 5 What is Covered? Contents 6 Liability Protection 7 Additional Standard
More informationHousehold Insurance. A Guide to our Household Policy
Household Insurance A Guide to our Household Policy Household Insurance A Guide to our Household Policy Introduction Insurance Corporation s household policy provides a wide range of essential protection
More informationYour home insurance policy Features and benefits HMP FAB 2014 05 V1.0. FBD Insurance plc is regulated by the Central Bank of Ireland
Your home insurance policy Features and benefits HMP FAB 2014 05 V1.0 FBD Insurance plc is regulated by the Central Bank of Ireland FBD has over 40 years insurance experience and today we are one of Ireland
More informationAn insurance package designed for flat owners and residents of blocks of flats.
Flats Insurance Summary of Cover An insurance package designed for flat owners and residents of blocks of flats. Why choose AXA s Flats Insurance? AXA s Flats Insurance Policy offers you comprehensive
More informationHome Contents Insurance Scheme
Home Contents Insurance Scheme Many tenants wrongly believe that Plymouth Community Homes insure their home contents for them this is not the case. We do not insure your furniture, belongings or decorations
More informationTenants Contents Insurance Policy Summary
Tenants Insurance Policy Summary This is a summary and does not contain the full terms and conditions of the cover, which can be found in the Tenants Policy Wording version 0709. It is important that you
More informationTenants Contents Insurance Policy Summary
Tenants Contents Insurance Policy Summary This document is a guide to the cover provided under Your Tenants Contents policy. It is only a summary and does not contain the full terms and conditions of the
More informationHousehold Contents Insurance. Application Form
Household Contents Insurance Application Form JUST FOR YOU HOME CONTENTS INSURANCE REMINDS ALL TENANTS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE You can do this either through this scheme arranged by the
More informationParagraph A Loss or Damage What you are covered for:
Your Policy Summary Please read this document carefully which provides a summary of cover. It does not show all of the benefits, exclusions or limits. Please refer to your policy booklet and policy schedule
More informationAXA s Flats Insurance Policy brought to you by Property UK offers you comprehensive standard cover plus optional extras.
Flats Insurance Summary of Cover March 2014 AXA s Flats Insurance Policy brought to you by Property UK offers you comprehensive standard cover plus optional extras. Someone to Help You When You Need It
More informationAge UK Home Insurance Policy Summary
Age UK Home Insurance Policy Summary What is the Age UK Home Insurance Policy Summary? This is a summary of cover available under Age UK Home Insurance. It outlines the main benefits and exclusions of
More informationThis policy summary does not contain full details and conditions of your insurance you will find these in your policy wording.
Summary of Cover This policy summary does not contain full details and conditions of your insurance you will find these in. Your home insurance policy is underwritten by AXA Insurance UK plc. Your Family
More informationHaven Home Insurance Policy Key Facts
Haven Home Insurance Policy Key Facts Please note that this is a policy summary only and does not contain the full terms and conditions of the contract. Full terms and conditions can be found in the Policy
More informationHollard Limit Section
Hollard Limit Section LIMIT SECTION MAXIMUM LIMIT / RAND Household contents Comprehensive cover Valuable items without proof of ownership Theft of outdoor furniture, laundry, garden tools and implements
More informationHome Insurance Policy. In association with
Home Insurance Policy In association with Home Insurance Policy The following summary does not contain the full terms and conditions of the contract which can be found in the insuring document, a copy
More informationBusiness Combined Insurance. Summary of cover
Business Combined Insurance Summary of cover Property damage section Insurance cover to protect buildings, contents, stock and other items against damage caused by an insured peril Wording options Basis
More informationResidential Landlords Insurance. Policy Summary
Residential Landlords Insurance Policy Summary Amlin Residential Landlords Insurance policy summary This insurance is designed to provide you with a wide range of standard cover in connection with the
More informationLandlord Insurance. Summary of cover
Landlord Insurance Summary of cover March 2013 Why choose AXA s Landlord Insurance policy? The Landlord Insurance offers a range of covers and caters for a variety of customers, from individuals who own
More informationSummary of Cover September 2013 Edition
Surgeries Insurance Policy Summary Surgeries Insurance Summary of Cover September 201 Edition An insurance package for doctors, dentists and vets. Why choose AXA s Surgeries Insurance Package? AXA s Surgeries
More informationThis policy summary does not contain full details and conditions of your insurance you will find these in your Policy Wording.
Summary of Cover This policy summary does not contain full details and conditions of your insurance you will find these in your. Your Home Insurance policy is provided by Swiftcover Insurance Services
More informationLandlord Insurance. Summary of cover. October 2013. 35039_ACLD0520ZB_BRO_A5.indd 1 23/10/2013 16:20
Landlord Insurance Summary of cover October 2013 35039_ACLD0520ZB_BRO_A5.indd 1 23/10/2013 16:20 Why choose AXA s Landlord Insurance policy? The Landlord Insurance offers a range of covers and caters for
More informationHome Insurance AXA HomeSafe. Your policy summary
Home Insurance AXA HomeSafe Your policy summary Summary of cover This policy summary does not contain full details and conditions of your insurance you will find these in your policy wording. Your AXA
More informationRESIDENTIAL PROPERTY OWNERS INSURANCE POLICY SUMMARY
RESIDENTIAL PROPERTY OWNERS INSURANCE POLICY SUMMARY RESIDENTIAL PROPERTY OWNERS INSURANCE POLICY SUMMARY This document is a summary of your Policy and other key information about the insurance cover that
More informationPollution or contamination unless arising from a defined peril. Malicious damage in Northern Ireland
Owners This document is a guide to the cover provided under your Owners policy. It is only a summary and does not contain the full terms and conditions of the contract. For full of your cover please read
More information2015 Star Ratings. Life Assurance. Discussion paper
2015 Star Ratings Life Assurance Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical, optical
More informationYOUR GUIDE TO PREFERRED CHOICE HOME INSURANCE. Together, we ve got it covered.
YOUR GUIDE TO PREFERRED CHOICE HOME INSURANCE Together, we ve got it covered. WELCOME TO PREFERRED CHOICE WHO IS IT FOR? Preferred Choice is RSA s home insurance product for mid net worth customers who
More informationHigh Net Worth home insurance guide August 2012
High Net Worth home insurance guide Sponsored by www.defaqto.com/gi/free-guides About Defaqto We are an independent financial research and software company. We specialise in collecting, researching and
More informationLet Property FlexiLet Buildings and Contents Insurance Summary of Cover
Let Property FlexiLet Buildings and Contents Insurance Summary of Cover www.towergate.co.uk Towergate Underwriting Let Property Flexilet Policy Summary Summary of Cover 1. Some important facts about your
More informationSUMMARY OF COVER. Foundation Home Insurance
SUMMARY OF COVER Foundation Home Insurance Towergate Underwriting Household Foundation - Policy Summary Some important facts about your Towergate Underwriting Household Foundation insurance are summarised
More informationChoices Extra Policy Summary
Choices Extra Policy Summary Choices Extra is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable.
More informationAXA Exclusive. Information leaflet Home Buildings and Contents Insurance
AXA Exclusive Information leaflet Home Buildings and Contents Insurance February 2016 Contents Why choose AXA Exclusive 3 Features and benefits 3 Important information 7 How much cover do I need? 7 Limits
More informationYour summary of cover. Saga Home Insurance
Your summary of cover Saga Home Insurance Saga Home Insurance Thank you for your interest in Saga Home Insurance. This leaflet gives you a summary of our buildings and contents policies and the two cover
More informationplug into our home and landlord s insurance
plug into our home and landlord s insurance Welcome Choice to pay annually (via Direct Debit or credit/debit card) as well as by monthly Direct Debit! Paymentshield is excited to introduce you to our Home
More informationHome. summary of benefits
Risk Covered Fire, explosion and smoke Lightning and thunderbolt Earthquake Theft or attempted theft Riot, civil commotion, labour and political disturbances, vandalism and acts of malicious persons Water
More informationNWBIB Ltd Residential Property Owners Policy Summary
NWBIB Ltd Residential Property Owners Policy Summary This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be found in the policy documentation. It
More informationJUST FOR YOU HOME CONTENTS INSURANCE. Low cost peace of mind. Easy payment weekly, monthly or annually. No excess payment required if you claim
HOME CONTENTS INSURANCE JUST FOR YOU Low cost peace of mind Easy payment weekly, monthly or annually No excess payment required if you claim Cover for most household items including TV, video, DV D players
More informationSummary of Cover. Home Insurance
Summary of Cover Home Insurance Your introduction to Saga Home Insurance Thank you for your interest in Saga Home Insurance. This guide gives you a summary of our policies and the cover levels available.
More informationLandlord Underwriting Guide
Landlord Underwriting Guide Definitions/Excesses The Allianz Landlord Insurance Policy is designed for people who own individual properties or for those who own multiple properties. The Policy provides
More informationYour summary of cover. Saga Home Insurance
Your summary of cover Saga Home Insurance Your introduction to Saga Home Insurance Thank you for your interest in Saga Home Insurance. This guide gives you a summary of our buildings and contents policies
More informationHOME ADVANTAGE INSURANCE
HOME ADVANTAGE INSURANCE Introduction Our Home Advantage insurance is designed to provide you with a wide range of cover when insuring the buildings and contents of your Home, personal possessions, valuables,
More informationOptima Property Blocks of flats (all risks)
Optima Blocks of flats (all risks) This document is a guide to the cover provided under your Optima Blocks of Flats (All Risks) policy. It is only a summary and does not contain the full terms and conditions
More informationTowergate Underwriting Household Towergate Platinum - Policy Summary
Towergate Underwriting Household Towergate Platinum - Policy Summary Some important facts about your Towergate Underwriting Household Towergate Platinum insurance are summarised below. This policy summary
More informationAge UK Home Insurance Policy Summary
Age UK Home Insurance Policy Summary What is the Age UK Home Insurance Policy Summary? This is a summary of cover available under Age UK Home Insurance. It outlines the main benefits and exclusions of
More informationCountrywide Insurance Services. Home protection plan. Exclusive to Countrywide. Proud to be associated with. www.countrywideinsurance.co.
Countrywide Insurance Services Home protection plan Exclusive to Countrywide Proud to be associated with www.countrywideinsurance.co.uk Information booklet Home protection plan information booklet Rebuilding
More informationAn Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc.
Office Insurance Summary of Cover September 201 Edition An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc. Why choose AXA s Offices
More informationHOME INSURANCE ESSENTIALS POLICY SUMMARY.
HOME INSURANCE ESSENTIALS POLICY SUMMARY. Our Home Insurance Essentials policy provides you with home and contents cover. You can also purchase additional sections of cover to tailor the policy to your
More informationProperty Owner s Summary of Cover
Property Owner s Summary of Cover The following is a summary of the policy and does not contain the full terms and conditions, which can be found in the policy. It is important that you read the policy
More information2016 Star Ratings General Insurance Add-Ons Discussion paper
2016 Star Ratings General Insurance Add-Ons Discussion paper Defaqto Limited 2015. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,
More informationme Insurance Proposal for Home Insurance Home Insurance Proposal for Proposal for COSMOS INSURANCE COMPANY PUBLIC LTD HEAD OFFICE
Proposal for Proposal for Proposal for Home Insurance Home Insurance me Insurance COSMOS INSURANCE COMPANY PUBLIC LTD HEAD OFFICE 46, Griva Digeni Avenue, 1080 Nicosia, P.O.Box 21770, 1513 Nicosia Tel:
More informationspecialist landlords insurance
landlords key facts specialist landlords insurance LetRisks Landlords Insurance Key Facts LetRisks Specialist Landlords Insurance is underwritten by Electrical Contractors Insurance Company Limited (ECIC)
More informationHighhouse Home Cover: Summary of Cover Available
Highhouse Home Cover: Summary of Cover Available About this Summary of Cover This summary provides key information only about insurers and the insurance cover available within Highhouse Insurance Services
More informationHOME INSURANCE WHEN THE UNBELIEVABLE HAPPENS ELMO INSURANCE. elmoinsurance.com
HOME INSURANCE WHEN THE UNBELIEVABLE HAPPENS ELMO INSURANCE elmoinsurance.com BECAUSE WE BELIEVE LITTLE THINGS MAKE A BIG DIFFERENCE Elmo Insurance is a respected company linked to global and financially
More informationGuide to Home Buildings and Contents Insurance. April 2012
Guide to Home Buildings and Contents Insurance April 2012 ABI GUIDE TO HOME BUILDINGS REPORT AND ON CONTENTS BOARD EFFECTIVENESS INSURANCE 3 What this guide is for and how it works We, the Association
More informationThe policy documentation can also be made available to you in large print, audio or Braille on request via your broker or insurance intermediary.
For UK landlords insurance for policy wording reference: LET/0116/PW This Summary This KeyFacts summary does not contain the full terms and conditions of the contract which can be found in the insuring
More informationBuildings Insurance If you select Buildings Insurance, the following will automatically be included:
Adelaide Homeshield Policy Summary Homeshield is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable.
More informationBROXTOWE BOROUGH COUNCIL REMINDS ALL TENANTS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE
BROXTOWE BOROUGH COUNCIL REMINDS ALL TENANTS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE You can do this either through this scheme arranged by the council or by making your own private arrangements. Many
More informationShops Insurance. Summary of Cover September 2013 Edition. An Insurance Package for Retailers and Franchises. Why choose AXA s Shops Insurance Package?
Shops Insurance Summary of Cover September 201 Edition An Insurance Package for Retailers and Franchises. Why choose AXA s Shops Insurance Package? AXA s Shops Insurance Package offers you generous levels
More informationTENANTS CONTENTS INSURANCE MADE SIMPLE
TENANTS CONTENTS INSURANCE MADE SIMPLE in association with Birmingham City Council has negotiated a Home Contents Insurance Scheme designed specifically for our tenants. At these prices, can you afford
More informationHome Insurance. Introduction. Home policy summary. Buildings. Significant features and benefits
Home Insurance Introduction Our Home insurance policy is designed to provide you with a wide range of standard cover when insuring the buildings and contents of your home, personal possessions, valuables,
More informationResidential Property Owners
Residential Property Owners Policy Summary The insurance cover is provided by Liberty Mutual Insurance Europe Limited & Aro Underwriting Group Limited The Residential Property Owners policy is a flexible
More informationProperty Owner s Guide.
Property Owner s Guide. commercialexpress.co.uk Welcome to the Commercial Express Property Owner s Guide. As a market leading Managing General Agent, we specialise in offering high quality, tailored insurance
More informationTENANTS AND LEASEHOLDERS CONTENTS INSURANCE MADE SIMPLE
TENANTS AND LEASEHOLDERS CONTENTS INSURANCE MADE SIMPLE in association with Liverpool Mutual Homes has negotiated a Home Contents Insurance Scheme designed specifically for leaseholders and tenants. At
More informationAn Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc.
OFFICE INSURANCE Summary of Cover June 2005 Edition An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc. Why choose AXA s Offices
More informationTENANTS CONTENTS INSURANCE MADE SIMPLE
TENANTS CONTENTS INSURANCE MADE SIMPLE working with Eastlands Homes has negotiated a Home Contents Insurance Scheme designed specifically for our tenants. At these prices, can you afford not to be insured?
More informationLandlord s Household Insurance Policy Summary
Landlord s Household Insurance Policy Summary This document is a guide to the cover provided under Your Landlords Household policy. It is only a summary and does not contain the full terms and conditions
More information1 HOME INSURANCE EXTRA
1 HOME INSURANCE EXTRA POLICY SUMMARY. Our Home Insurance Extra policy provides you with home and contents cover. You can also purchase additional sections of cover to tailor the policy to your needs.
More information2015 Star Ratings. Income Protection. Discussion paper
2015 Star Ratings Income Protection Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,
More informationIf it matters to you, it matters to us.
Home insurance If it matters to you, it matters to us. We can provide you with a range of home insurance options to bring you and your family more peace of mind. Your home is probably the most valuable
More informationTENANTS CONTENTS INSURANCE MADE SIMPLE
TENANTS CONTENTS INSURANCE MADE SIMPLE in association with Sandwell Metropolitan Borough Council has negotiated a Home Contents Insurance Scheme designed specifically for our tenants and leaseholders.
More informationwww.elmoinsurance.com Home Insurance
Home Insurance Because we believe little things make a big difference Elmo Insurance is a respected company linked to global and financially strong reinsurers. Through a commitment to financial strength,
More informationPROPOSAL FORM FOR HOME INSURANCE POLICY
PROPOSAL FORM FOR HOME INSURANCE POLICY Name: Address: P. O. Box: Tel. No. Office: Res: Occupation Address of Dwelling at which the insurance is required: House/Office No. Bldg. No Road No. Block No Area
More informationTENANTS CONTENTS INSURANCE MADE SIMPLE
TENANTS CONTENTS INSURANCE MADE SIMPLE in association with East Durham Homes has negotiated a Home Contents Insurance Scheme designed specifically for our tenants and leaseholders. At these prices, can
More informationWORKING FROM HOME. Summary of Cover
WORKING FROM HOME Summary of Cover An insurance package for your business available for many occupations where the business is home based. Why choose AXA s Working From Home Package? Tailor-made for Your
More informationPay As You Go Home Contents Insurance
Pay As You Go Application Peace of mind at an affordable cost # Personal Details PLEASE USE CAPITAL LETTERS WHEN FILLING IN THIS FORM Are you a tenant of the London Borough of Camden? Your Full Name (Mrs/Ms/Miss/Mr/other)
More informationRESIDENTIAL PROPERTY OWNERS INSURANCE POLICY SUMMARY
RESIDENTIAL PROPERTY OWNERS INSURANCE POLICY SUMMARY RESIDENTIAL PROPERTY OWNERS INSURANCE POLICY SUMMARY This document is a summary of your Policy and other key information about the insurance cover that
More informationYour Home Insurance Policy Summary
Your Home Insurance Policy Summary Premier Select Cover John Lewis Home Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to
More informationBroker Direct Home Options Policy Summary
Broker Direct Home Options Policy Summary This policy summary does not contain full details and conditions of your insurance these are contained in your policy documents. Where a heading in UPPERCASE letters
More informationIf it matters to you, it matters to us.
Home insurance If it matters to you, it matters to us. We can provide you with a range of home insurance options to bring you and your family more peace of mind. Your home is probably the most valuable
More informationHome Insurance. Policy Summary. This policy summary is liable to alteration from time to time. January 2013 cancelling all previous issues
Home Insurance Policy Summary This policy summary is liable to alteration from time to time. January 2013 cancelling all previous issues Use of your Personal Information Please take a few minutes to read
More information2015 Star Ratings. Critical Illness Cover. Discussion paper
2015 Star Ratings Critical Illness Cover Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,
More informationLetsProtect Extensive cover for landlords
Countrywide Insurance Services LetsProtect Extensive cover for landlords Proud to be associated with www.countrywide.co.uk Information booklet LetsProtect information booklet Why choose LetsProtect from
More information