Age UK Home Insurance Policy Summary

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1 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 the policy cover and will refer you to the relevant sections of the policy booklet for further details. This summary also provides details on how to make a claim, cancelling your policy and how to complain if you have a problem. It does not include all the policy benefits, limits and exclusions. Full terms and conditions can be found in the policy booklet, a copy of which is available from Ageas Insurance Limited. About your home insurance contract Age UK Home Insurance is an annual household insurance contract underwritten by Ageas Insurance Limited, apart from the Personal legal protection optional extension of cover, which is underwritten by DAS Legal Expenses Insurance Company Limited. Age UK Home Insurance offers Buildings and Contents cover on a bedroom rated basis. For Buildings we cover properties with a rebuilding value up to 500,000 and for Contents cover up to 60,000. If the cost to replace all your Contents is greater than 60,000 we can provide a special quote. The maximum claim limit for Buildings must be high enough to cover the cost of rebuilding your home and for Contents must be high enough to replace, as new, all the Contents of your home. The different sections or extensions of cover available are Buildings, Contents (both of which allow you to choose whether you include cover for Accidental damage), Unspecified personal belongings, Specified personal belongings, Pedal cycles, Personal legal protection, Static caravans and Touring caravans. The sections or extensions you have chosen and the maximum claim limits are shown on your policy. Main Benefits If you have chosen Buildings cover, we will cover the structure of your home including: outbuildings, garages, garden walls, gates, fences, paths, drives, patios, carports, permanently fixed hot tubs or jacuzzis and hard tennis courts against loss or damage from specific perils (for example fire or malicious damage), as summarised on the next page and detailed in your policy document. If you have chosen Contents cover, we will cover your household goods and personal belongings that you or your family own or are legally responsible for against loss or damage from specific perils (for example fire or malicious damage), as summarised on the next page and detailed in your policy document. If you have chosen Static caravan cover, we will cover your static caravan and if required your caravan equipment against loss or damage from specific perils (for example fire or malicious damage), as detailed in your policy document. If you have chosen Touring caravan cover, we will cover your touring caravan and if required your caravan equipment against loss or damage from specific perils, as detailed in your policy document. AGC062 OCT

2 Significant Features and Benefits The causes covered Buildings Contents Standard Policy Limits Buildings 3 N/A The maximum claim limit shown on your policy Where more information can be found in your policy booklet Trace and access source of leak for escape of water and escape of oil causes 3 N/A Up to the maximum claim limit shown on your policy Property owner s liability 3 N/A 2 Million Contents N/A 3 The maximum claim limit shown on your policy Maximum claim limit for any valuable N/A 3 2,000 Valuables in the home N/A 3 The maximum claim limit is shown on your policy Money N/A Credit cards N/A 3 1,000 Freezer food N/A 3 1,000 Public and personal liability N/A 3 2 Million Unpaid damages N/A 3 2 Million Tenant s liability N/A 3 20% of the maximum claim limit for Contents shown on your policy Loss or damage to Contents during removal 10% increase in the maximum claim limit for religious festivals, birthdays, family wedding and civil partnership ceremonies. on your policy on your policy Counselling Fees N/A 3 1,000 2 AGC062 OCT 2013

3 The causes covered Buildings Contents Standard Policy Limits Where more information can be found in your policy booklet Garden Cover N/A 3 1,500 Accidental breakage to audio and visual equipment, DVD equipment, glass, mirrors and desk top computers. on your policy Fraudulent Use of Credit Cards N/A 3 1,000 Carer s Contents N/A Items covered whilst living in a nursing home, residential care home or staying with family or friends. N/A 3 Up to 20% of the maximum claim limit for Contents shown on your policy Medical Equipment on Loan N/A 3 5,000 Accidental damage to wheelchairs and stairlifts in the home on your policy Rent and alternative accommodation % of the Buildings and/ or Contents maximum claim limit shown on your policy Emergency Unoccupancy Cover 3 3 Up to 90 days full cover Optional covers available Accidental damage to Buildings and Contents 3 3 Up to the Buildings or Contents maximum claim limit shown on your policy Unspecified personal belongings N/A 3 Your choice Specified personal belongings N/A 3 Your choice Pedal cycles N/A 3 Your choice Personal legal protection ,000 Section 3 - Personal legal protection Static caravan 3 3 Your choice Section 4 Static caravan Touring caravan 3 3 Your choice Section 5 Touring caravan AGC062 OCT

4 Significant Exclusions The causes covered Buildings Contents Accidental damage extensions Unspecified personal belongings extension Specified personal belongings extension Pedal cycles extension Personal legal protection Static caravan Touring caravan General policy exclusions applicable to all sections and extensions What is not insured Loss or damage caused by weight of snow. Storm or flood loss or damage to gates or fences. Subsidence caused by settlement, unless the settlement is caused by subsidence of the site on which the buildings stand. Loss or damage caused by weight of snow. Theft or attempted theft when your home or any part of it is lent, let or sublet to or occupied by someone who is not a member of your family, unless force causing damage to the main building of the home was used to get in or out of the building. Damage caused by or resulting from chewing, scratching, tearing or fouling by domestic animals or pets. Damage caused by or resulting from wet rot or dry rot or other gradual causes. Any amount over 1,000 for theft or disappearance of property from unattended locked motor vehicles. Loss or damage caused to dentures while being used for eating and to crowns, caps or fillings in teeth. Any amount over 1,000 for theft or disappearance of property from unattended locked motor vehicles. Loss or damage caused by theft or attempted theft from an unlocked hotel room, motel room, bed-and-breakfast bedroom or other similar temporary lodging. Cuts, bursts or punctures to tyres. Theft or attempted theft of an unattended pedal cycle away from the home unless the pedal cycle is either in a locked building or secured by a suitable chain and padlock (or cycle lock) to a post, cycle rack or immovable object. Costs and expenses before DAS Legal Expenses Insurance Company Limited accept a claim in writing. Malicious damage caused to television sets (and their aerials), satellite receivers or decoders, radios, audio equipment, videorecording equipment, DVD players or desk-top computers when your caravan is unoccupied or while the caravan site is closed. Loss or damage caused by the caravan being stolen at any time, unless it is fitted with a hitchlock or wheelclamp which is working properly. Property more specifically covered by another policy of insurance. Any criminal or deliberate act by you or your family Where more information can be found in your policy booklet Pages Pages Pages 24 and 39 Pages Pages Page 43 Pages Pages Pages Page 16 4 AGC062 OCT 2013

5 Policy Excess The following excesses apply on top of any other excess that may apply (which will be shown in your ). 45 for every incident apart from: Property owner s liability under Section 1 - Buildings. Public and personal liability, Liability for domestic employees, Tenant s liability and Unpaid damages under Section 2 - Contents. Liability to third parties under Section 4 - Static caravan and Section 5 - Touring caravan. 45 for all Touring and Static caravans claims apart from Liabilities to third parties. 1,000 for subsidence, heave or landslip claims. This excess is reduced to 100 if the main building of the home was built within the last 10 years. 245 for escaping water claims made under cause 7 for both buildings and contents sections. Cancellation Procedure You have 14 days from when you receive your policy documents or enter into this contract, whichever is later, to write to us if you want to cancel your policy. This is known as a cooling-off period. If you cancel your policy during this period of time, as long as you have not made a claim we will give you a refund for the period of time that was left on your policy. If any claim has been made during the period of cover provided, we will deduct the cost of any payments made from the refund due. Please see pages 10 and 11 of your policy booklet for the full cancellation procedure. How to make a claim Telephone the claims helpline on ; this line is open 24 hours a day, 365 days a year. Please have your policy details available. We can immediately confirm your claim. Alternatively, you can write to us at the address at the bottom of the next page. Customers who have purchased Personal legal protection and wish to make a claim under this section should call DAS Legal Expenses Insurance Company Limited on See pages 4, 13 and 14 of your policy booklet on how to make a claim and how we will deal with your claim. What to do if you have a complaint Should there ever be an occasion where you need to complain, we will sort this out as quickly and fairly as possible. If your complaint is about the way your policy was sold to you, please contact your insurance agent to report your complaint. If you have a complaint regarding your claim, please telephone us on the number shown in your claims documentation. Alternatively, you can write to us at the address shown below or us through our website at co.uk/complaints (please include your policy number and claim number if appropriate). Customer Services Adviser Ageas Insurance Limited Ageas House Hampshire Corporate Park Templars Way Eastleigh Hampshire SO53 3YA If your complaint is concerning DAS Legal Expenses, please contact them direct: Customer Relations Department DAS Legal Expenses Insurance Company Ltd DAS House Quay Side Temple Back Bristol BS1 6NH Telephone: , Fax: , AGC062 OCT

6 Service standards We will try to resolve your complaint by the end of the next working day. If we are unable to do this, we will write to you within five working days to either: Tell you what we have done to resolve the problem; or Acknowledge your complaint and let you know when you can expect a full response. We will also let you know who is dealing with the matter. We will always aim to resolve your complaint within four weeks of receipt. If we are unable to do this we will give you the reasons for the delay and indicate when we will be able to provide a final response. Financial Ombudsman Service If we cannot resolve the differences between us, you may refer your complaint to the Financial Ombudsman Service (FOS). You can ask the Financial Ombudsman Service to review your complaint if for any reason you are still dissatisfied with our final response, or if we have not issued our final response within eight weeks from you first raising the complaint. You can contact the Financial Ombudsman Service at the address below, however they will only consider your complaint once you have tried to resolve it with us. Financial Ombudsman Service South Quay Plaza, 183 Marsh Wall London E14 9SR Using this complaints procedure will not affect your legal rights. Financial Services Compensation Scheme We are covered by the Financial Services Compensation Scheme (FSCS). If we cannot meet our obligations you may be entitled to compensation under the scheme. For this type of policy, the scheme covers at least 90% of any claim with no upper limit. For further information see or telephone Age UK Home Insurance is provided and managed by Ageas Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority for the underwriting and selling of Ageas general insurance products, Registered office address: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA, England. Registered in England and Wales No Age UK Enterprises Limited is the commercial arm of Age UK. Age UK is a registered trademark of Age UK. The use of the name and logo Age UK is done so under a licence agreement between Age UK and Age UK Enterprises Limited. AGC062 OCT 2013

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