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

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1 This is a summary of cover highlighting the main features and benefits as well as the general conditions and exclusions of this Policy provided by VFM Cover Select. Full terms and conditions can be found in the VFM Cover Select Policy booklet that will be provided when you purchase your Policy or at any time on request. You will also receive a Policy Schedule showing the specific details of your Policy and the cover(s) you have selected. It is important that you read the Policy documents carefully when you receive them. VFM Cover Select is a trading name of QMetric Group Ltd. who are authorised and regulated by the Financial Conduct Authority. This insurance is provided by VFM Cover Select underwritten by UK General Insurance (Ireland) Limited. Type of Insurance: Period of cover: Household Insurance 12 months Main Benefits of the Policy Features and Benefits of the Policy Standard Policy Limits Where to find information in Section 1 - Buildings Buildings Sum Insured covers the structure of your Buildings against loss or damage Up to the Buildings Sum Insured shown on your Policy Schedule Alternative accommodation if your Building becomes uninhabitable following damage covered under the Buildings section Up to 100,000 Cover number 13 Tracing and accessing the source of water or oil leaks Up to your Buildings Sum Insured Cover number 15 Accidental damage to mains services Up to your Buildings Sum Insured Cover numbers 11 Property owner s liability Up to 2,000,000 Cover number 18 Replacement of locks and keys Up to 250 Cover number 17 1

2 Main Benefits of the Policy Features and Benefits of the Policy Standard Policy Limits Where to find information in Section 2 - Contents Contents Sum Insured covers loss or damage to your Contents whilst in your home Up to the Contents Sum Insured shown on your Policy Schedule Valuables in the home Business Equipment Alternative accommodation if your home becomes uninhabitable following damage covered under the Contents section Up to 2,000 for any one item, with a maximum of 10,000 in total unless additional specific cover is chosen Up to 1,000 Up to 10,000 Section 2 - Contents Cover number 12 Money Credit cards Personal liability to the public Theft of Contents from a locked outbuilding (excluding pedal cycles) Pedal cycles in the home (including in locked outbuildings Up to 250 Up to 1,000 Up to 2,000,000 Up to 500 Up to 1,000, or the amount shown in your Policy Schedule, whichever is the highest Cover number 14 Cover number 14 Cover number 20 Cover number 4 Section 2 - Contents Deep freezer contents Up to 300 Cover number 13 Automatic increase in Contents Sum Insured for weddings, birthdays and religious festivals to cover gifts Up to 10% of the Contents Sum Insured shown on your Policy Schedule Cover number 18 Visitors personal effects Replacement of locks and keys Up to 350 Up to Cover number 17 Cover number 19

3 Additional Cover - These covers only apply if shown in the Policy Schedule Additional Cover Features and Benefits Additional Accidental damage to Buildings and/ or Contents Personal Possessions away from home within the United Kingdom and also up to 30 days anywhere in the world Additional Cover Policy Limits Up to the Buildings Sum Insured and/or Contents Sum Insured shown on your Policy Schedule Items you have specified that are worth over 2,000 each, as shown on your Policy Schedule. Items worth less than 2,000 that you have not specified are covered within the total limit you have selected, as shown on your Policy Schedule, subject to the following limits: Where to find information in - Optional Cover number 12 and/or Optional Cover number 10 Optional Covers for Your Contents, Option A Money up to 250 Credit cards up to 1,000 All other items - 2,000 Pedal Cycles away from home within the United Kingdom and also up to 30 days anywhere in the world Up to the amount shown on your Policy Schedule Optional Covers for Your Contents, Option B 3

4 General Conditions and Exclusions General Conditions and Exclusions General Policy Exclusions applicable to all sections What is NOT insured Any deliberate act by you or your family Where to find information in General Exclusions Section Loss or damage caused by; Radioactive contamination War Terrorism Gradual deterioration, maintenance or wear and tear Faulty workmanship Pollution The excess you have chosen in addition to any excess we have quoted. Excesses are shown on your Policy Schedule Buildings Loss or damage that occurs when the Building is Unoccupied or Unfurnished for more than 30 days Section 1 The first 1,000 of any claim for subsidence At least the first 500 of any claim for escape of water or oil See your Policy Schedule At least the first 250 of any claim for Accidental Damage See your Policy Schedule Storm or flood damage to domestic fixed fuel oil tanks in the open, drives, patios and terraces, gates, hedges and fences, swimming pools and hard tennis courts Contents Loss or damage that occurs when the Building is Unoccupied or Unfurnished for more than 30 days At least the first 500 of any claim for escape of water or oil Section 2 See your Policy Schedule At least the first 250 of any claim for Accidental Damage See your Policy Schedule Storm or flood damage to Contents in the open. 4

5 General Conditions and Exclusions General Conditions and Exclusions Contents (continued) What is NOT insured Loss or damage caused by theft or attempted theft where there is no violent or forcible entry or exit Where to find information in Loss or damage caused by theft, attempted theft, malicious damage or vandalism by any person lawfully in your home Loss or damage caused by mechanical or electrical breakdown or failure Accidental Damage Extensions At least the first 250 of any claim for Accidental Damage Loss or damage caused by domestic pets, including chewing, scratching, tearing or fouling Optional Cover Number 12 and/or Optional Cover Number 10 Loss or damage caused by vermin, insects, fungus, wet or dry rot Personal Possessions away from home within the United Kingdom and also up to 30 days anywhere in the world Loss or damage caused by theft from unattended road vehicles unless the vehicle is securely locked and the items are out of sight Loss or damage to sports equipment when it is being used Optional Covers for Your Contents, Option A Loss or damage to musical instruments whilst in transit unless they are placed in a suitable protective container Loss or damage to pedal cycles Pedal Cycles away from home within the United Kingdom and also up to 30 days anywhere in the world Loss or damage caused by cuts, bursts or punctures Theft unless in a locked building or securely locked to an immovable object Optional Covers for Your Contents, Option B Loss or damage while being used for racing, pace-making, testing of any kind, taking part in trials or competitions 5

6 Household Insurance Information we need to know about You must take reasonable care to provide complete and accurate answers to the questions we ask when you take out, make changes to and renew your insurance. If you have misrepresented any facts or circumstances which might affect our decision to provide insurance or the terms of that insurance, or you have made a false claim, we may refuse to pay a claim or treat this insurance as though it had never existed. without their written permission. Full details of how to claim are included in the policy booklet. If you need to make a complaint It is the intention to give you the best possible service but if you do have any questions or concerns about this insurance or the handling of a claim you should follow the Complaints Procedure below. Please ensure your policy number is quoted in all correspondence to assist a quick and efficient response. We strongly advise our customers to review their policy each year to ensure they have adequate cover in place. Your right to cancel the policy If you decide that for any reason, this policy does not meet your insurance needs then please return it to your agent within 14 days of issue. On the condition that no claims have been made or are pending, you will be entitled to a pro-rata return of premium. If you wish to cancel your policy after 14 days, on the condition that no claims have been made or are pending, you will be entitled to a pro-rata return of premium and you may be charged a cancellation fee by Policy Expert. If you have made a claim on this policy there will be no refund. If you need to make a claim Claims will be handled by Trinity Claims at the address shown in your policy booklet. Should you wish to claim under your VFM Cover Select policy you should call the Trinity Claims Helpline on or by submitting a claim in writing as soon as possible and within 30 days of the event. Complaints Procedure: If your complaint is about the way the policy was sold to you, please contact the agent: Head of Customer Relations Policy Expert Silbury Boulevard Milton Keynes MK9 2AF Tel: If your complaint is about the handling of your claim, please write to: Customer Services Manager Trinity Claims PO Box 568 Tonbridge Kent TN9 9LT Tel: You must give Trinity Claims any information or help that they may reasonably ask for. You must not settle, reject, negotiate or agree to pay any claim 6

7 If your complaint is about your policy, please contact: The Customer Relations Department QMetric Group Limited Dukes Place London EC3A 7LP If we have provided you with our final response and you remain dissatisfied, you may refer your complaint to the Financial Ombudsman Service (FOS). The FOS is an independent body that can arbitrate on complaints after we have provided you with written confirmation that our internal complaints procedure has been exhausted. Financial Services Compensation Scheme UK General Insurance (Ireland) Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim. You can get more information about compensation scheme arrangements from the FSCS or visit their website, at Financial Ombudsman Service The Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Tel: Fax: Please note that you have 6 months from the date of our final response in which to refer to your complaint to the FOS. Your statutory rights are not affected if you choose to follow the complaints procedure above. For further information about your statutory rights, contact your local authority Trading Standards Service or the Citizens Advice Bureau. Important Note: the FOS can only consider your complaint if you have already given us the opportunity to resolve it. 7

8 VFM Cover Select is a trading name of QMetric Group Limited, the registered office of which is at Dukes Place, London, EC3A 7LP. Registered in England and Wales, company no QMetric Group Limited is authorised and regulated by the Financial Conduct Authority (FCA). FCA registered number: Visit for more information. 8 VFMCSKFH0613

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