Lifestyle Home Insurance

Transcription

1 Name of insurer Lloyd s Syndicate 2001 managed by Amlin Underwriting Ltd through its service company Amlin UK. Household insurance Policy summary Buildings See Section One of the policy wording pages 11 to 15 The information provided in this summary is key information about your policy that you should read. The summary does NOT contain the full terms, conditions, excesses and exclusions. These are detailed in the policy wording a copy of which is available on request. Significant or unusual exclusions Loss or damage to the home, decorations, tenants improvements, fixtures, fittings, permanently installed lighting, swimming pools, tennis courts, driveways, footpaths, patios, terraces, walls, gates, fences, hedges, fixed fuel tanks, underground service pipes and cables, sewers, drains, septic tanks, hot tubs and wind turbines. Costs you have to pay to restore your garden following loss or damage by fire, lightning, explosion, aircraft, earthquake, theft or malicious damage. Loss of rent due to you or the cost of alternative accommodation while the home is being repaired following an insured event. Costs you have to pay for finding the source of oil or water leaks within the home. Increased metered water charges you have to pay for escape of water following an insured event. Loss or damage to new fixtures and fittings, fitted furniture and fitted appliances within the home waiting to be installed. 500 any plant, shrub or tree. 5,000 or up to 5% of the buildings sum insured, whichever is the greater, during the period of Up to 25,000 during the period of Up to 10,000 in total during the period of 10,000 in total. There is no cover for loss or damage while installing the fixtures and fittings. There is no cover for property left in the open. Costs of upgrading your alarm and security systems following a physical criminal assault on you at the home. In addition we will also pay up to 500 for professional private counseling fees following a physical criminal assault on you at the premises. Costs towards essential alterations to the home following an identifiable permanent physical injury to you caused by a sudden and unexpected accident happening within the home. Up to 10,000 in any one period of There is no cover for any costs unless you obtain our agreement first. There is no cover following any domestic disputes. Up to 15,000 in any one period of There is no cover for any costs unless you obtain our agreement first. In the event the buildings of your home are damaged beyond economical repair, and permission to rebuild is refused by your local authority, we will agree to pay up to 125% of the rebuilding cost of your home to help you purchase a similar property in the same area, subject to the sum insured shown in your schedule corresponding to a professional valuation (to be provided by you) which is less than five years old. Amlin UK is a trading name of Amlin UK Limited. Amlin UK Limited is wholly owned by and an Appointed Representative of Amlin Underwriting Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under reference number Amlin UK Limited is registered in England No Registered office: St Helen s, 1 Undershaft, London EC3A 8ND. AUK Lifestyle Key Facts LLUC Page 1 of 5 July 2015

2 Contents See Section Two of the policy wording pages 16 to 19 Loss or damage to household goods and personal possessions, which belong to you or for which you are responsible, while at the home and, as long as these are not already insured, while they are temporarily away from the home anywhere in the world. Contents also includes - tenants fixtures and fittings; and - radio and television aerials, satellite dishes, their fittings and masts which are attached to the home. Garden furniture, garden machinery, fixed statues, ornaments etc. kept in the open but within the premises. Money. Unauthorised use of credit cards following loss or theft. Deeds, registered bonds and other personal documents. Collections of stamps or coins. Gold and silver. Jewellery and furs. Domestic fuel in fixed tanks. Pedal cycles. Computer software (including the cost of restoring computer files). Replacement locks following theft or loss of keys. Rent you have to pay for living in other accommodation if the buildings cannot be lived in following loss or damage. Cost of using alternative accommodation if the buildings cannot be lived in following loss or damage. Up to 25% of the contents sum insured for new items you have bought but which you have not told us about yet. Wedding, anniversary, birthday, religious or other celebration gifts bought by you but not yet given (or which have been bought for you). Increased metered water charges you have to pay after water escapes, which gives rise to a claim. Personal property of guests up to 5,000 for each person and personal property of domestic staff (who do not live in the property) up to 2,500 for each person. Loss or damage to marquees and associated equipment, which are being temporarily loaned to you and for which you are responsible, while at the premises. Loss or damage to the belongings of your parents or grandparents who are living in a residential nursing or care home. 10,000 in total. 2,500 in total. 25,000 in total. 7,500 in total. 2,500 in total. Up to 7,500 during the period of After 60 days of buying the item if you have not told us about doing so. More than 750 any one item. There is no cover for losses which happen away from the premises. There is no cover - if any other insurance is in place. - if you fail to keep to manufacturer s or owner s written instructions. Up to 7,500 during the period of For any amount over 1,000 for valuables. There is no cover for money or credit cards. AUK Lifestyle Key Facts LLUC Page 2 of 5 July 2015

3 Liabilities See Sections Three and Four of the policy wording pages 20 to 23 Accidents to domestic staff. Legal liability to the public. 10,000,000 for any one accident or series of accidents arising out of any one event. 5,000,000 for any one accident or series of accidents arising out of any one event. Valuables, antiques, works of art, gold and silver See Section Five of the policy wording pages 24 to 26 Loss or damage to valuables, antiques and works of art, gold and silver listed in the schedule while they are temporarily away from the home. Cover for new items you have bought but which you have not told us about. We will automatically increase the insured value of any item listed in the specification for works of art by up to 200% if the artist dies during the period of We will only do this for the 6 months immediately following the death of that artist and provided that you can produce an independent professional valuation or a purchase receipt which is not more than 3 years old at the time of loss or damage. More than 5,000 in respect of any one item of valuables or gold and silver unless otherwise stated in the schedule. More than 15,000 in respect of any one item of antiques or works of art unless otherwise stated in the schedule. More than 25% of the sum insured under each section for valuables, antiques and works of art, gold and silver. There is no cover after 60 days of purchase if you have not told us about buying the item. More than 50,000 in total during any period of If during the period of insurance, someone claims that any item listed in the specification for antiques or works of art is not rightfully yours and you are legally obliged to return the item to its rightful owner because it is proved that you do not have good title to it, we will pay you the amount you paid for it, or the value shown in the specification if it is less. More than 25,000 in total during any period of There is no cover unless you prove that you made enquiries about where the item came from before you bought it. There is no cover unless you bought the item during the period that the antique or work of art has been insured with us. There is no cover unless you told us about a claim during the period of AUK Lifestyle Key Facts LLUC Page 3 of 5 July 2015

4 Legal expenses See Section Six of the policy wording pages 27 to 37 Personal injury - your death or personal injury caused by a specific and unforeseen event. Consumer contracts - disputes arising out of customer contracts entered into by you for the purposes of buying, selling or hiring goods or services. Domestic property protection - disputes arising out of your property at the home. Employment disputes arising from your contract of employment. Employer defence - representing you at an employment tribunal in respect of an action brought by a domestic employee of yours. Legal defence - your prosecution in a criminal court or in a civil court arising from your employment. Legal defence - your prosecution arising from a motoring offence. HM Revenue & Customs - an examination into your personal tax affairs by HMRC. School admission disputes - appeal against your local education authority arising out of failure to conform to its admission policy. Probate - probate disputes. Motor insurance database disputes. Identity theft - your becoming the victim of identity fraud up to 15,000. Identity theft - the fraudulent use of the identity of your motor car or motor cycle. Stress, psychological or emotional injury. Any gradually operating cause. Any claim involving a motor vehicle. Any works undertaken by or under order of government or local authority. Amounts in dispute under 250. Disputes with your landlord or disputes where you are a landlord. Allegation of less favourable treatment between men and women in respect of terms and conditions of employment. Legal expenses where you are entitled to a grant of legal aid. Any claim where prosecution is for driving whilst under the influence of alcohol, non-prescription drugs or without Claims where the Special Compliance Officer is investigating your personal tax affairs. Where your child is under 5 years old. If a valid will has not been made, concluded or cannot be traced. Identity theft connected with your business profession or occupation. Data Protection Act - action against a person or organisation that has broken the provisions of the Data Protection Act 1998 which has resulted in you suffering a financial loss. Unless a limit is specifically referred to above, we will pay up to 75,000 any one claim. In addition, before proceeding with a claim, there must be reasonable prospects of success or reasonable prospects of recovery from the other party. Telephone Helplines See Section Seven of the policy wording page 38 This section provides a 24 hour telephone helpline to assist you with the following. Domestic emergencies (such as a fire or flood at your home). Bereavement counselling. Legal tax and debt advice. The service offered by the helplines is free and there is no limit to the number of times it may be used but the service is restricted to advice, information or assistance given on the telephone and/or a referral service to external professionals. You will be responsible for the fees and charges incurred from any service that they have referred you to. However, it may be possible to claim for the cost of using a referral involving a domestic emergency if it is caused by an event insured by the policy. AUK Lifestyle Key Facts LLUC Page 4 of 5 July 2015

5 Excesses Unless otherwise stated on your schedule, the following excesses apply to each and every loss. Section excess applies, other than in respect of subsidence, landslip or heave, where 1,000 excess applies. Section excess applies. Section 3 No excess applies. Section 4 No excess applies. Section excess applies, other than for specified items where no excess applies. If a claim is more than 10,000 we will not take off any excess unless you have chosen a voluntary excess or we have applied a compulsory excess as shown in your schedule. If you claim for the same incident under more than one section and an excess is shown under more than one section, we will only apply one excess. Procedures and contacts DURATION OF THIS INSURANCE The Lifestyle policy is issued for a twelve month period. The expiry date will be shown on your schedule. CANCELLATION RIGHTS You may cancel this insurance within 14 days of you buying this insurance or the day on which you receive the insurance documents, whichever is later. We will provide a full refund of the premium paid. We can decide not to refund any premium if you have made a claim on this To cancel the policy outside of this period, please refer to the cancellation rights on page 6 of the policy wording. CLAIMS If you need to make a claim please refer to the how to make a claim document enclosed with your Lifestyle home insurance document. COMPLAINTS PROCEDURE Amlin s aim is to ensure that all aspects of your insurance are dealt with promptly, efficiently and fairly. At all times Amlin are committed to providing you with the highest standard of service. If you have any questions or concerns about your policy or the handling a claim you should, in the first instance, contact Amlin or your broker where applicable. In the event that you remain dissatisfied and wish to make a complaint, you can do so at any time. Making a complaint does not affect any of your legal rights. Amlin s contact details are: A: Amlin Complaints, Amlin Underwriting Limited, St Helen s, 1 Undershaft, London EC3A 8ND E: complaints@amlin.com P: +44 (0) F: +44 (0) If your complaint cannot be resolved by the Complaints Department within two weeks, or if you have not received a response within two weeks you are entitled to refer the matter to Lloyd s. Lloyd s will then conduct a full investigation of your complaint and provide you with a written final response. Lloyd s contact details are: A: Complaints, Lloyd s, One Lime Street, London EC3M 7HA E: complaints@lloyds.com P: +44 (0) F: +44 (0) Details of Lloyd s complaints procedures are set out in a leaflet Your Complaint How We Can Help available at and are also available from the above address. If you remain dissatisfied after Lloyd s has considered your complaint or if you have not received a written final response within eight weeks from the date Amlin received your complaint, you may be entitled to refer your complaint to the Financial Ombudsman Service who will independently consider your complaint free of charge. The Financial Ombudsman Service contact details are: A: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR P: (Mobile) (Outside UK) +44 (0) F: +44 (0) W: E: complaint.info@financial-ombudsman.org.uk Please note: You must refer your complaint to the Financial Ombudsman Service within six months of the date of our final response The Financial Ombudsman Service will normally only consider a complaint from private individuals or from a business that has an annual turnover of less than 2 million Euros and fewer than 10 employees FINANCIAL SERVICES COMPENSATION SCHEME Amlin UK Limited are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if Amlin UK Limited cannot pay a claim to you under this contract. If you are entitled to compensation under the scheme, how much compensation you would receive would depend on the nature of this contract. You can get more information about the scheme from the Financial Services Compensation Scheme (10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU and on their website at AUK Lifestyle Key Facts LLUC Page 5 of 5 July 2015