home insurance Policy summary 24 hour claim notification line

Transcription

1 home insurance Policy summary 24 hour claim notification line

2 home insurance 24 Hour Claims Helpline: Straightforward claims registration - our specialist claims staff will provide you with the initial advice required to help you make your claim, without the need to complete a claim form. They will then keep you up to date throughout the claims handling process. The policy also automatically provides free 24 hour domestic emergency and legal advice helpline services. What is covered? Buildings Provides cover for the actual structure of your home including its outbuildings, greenhouses, tanks. Contents Provides cover for your household goods and appliances, clothing and personal effects, unlimited frozen food, personal money and credit cards up to 500 (whilst in your home). Limits of cover Some important facts about your Buildings and Contents insurance are summarised below. This summary does not describe all the terms and conditions of your policy. Once cover has incepted, a policy document will be forwarded to you together with your schedule, please take time to read these papers to make sure you understand the cover it provides. In the interim period, a full copy of the Melton Mowbray Home Insurance wording is available upon request. Your Buildings sum insured will r 500,000 (unless otherwise stated in your schedule). Your Contents sum insured will be based on replacement as new of 50,000 (unless otherwise stated in your schedule). Valuables within Contents (gold, silver, gold and silver plated articles, jewellery and furs) up to 7,000 in total with a single item limit of 2,500 within the home. Higher levels of cover can be purchased. Insurers The selling and administration of Melton Mowbray Home Insurance is undertaken by Melton Mowbray Building Society and Arthur J. Gallagher (UK), which is a trading name of Heath Lambert Limited. The home insurance policy is underwritten from a panel of insurers. Details of the insurer applicable to this insurance are stated within your policy schedule. Assistance SA and administered by Arc Legal Assistance Limited. 2

3 The Domestic Emergency policy is arranged by Arthur J. Gallagher (UK), underwritten by Great Lakes Reinsurance (UK) PLC and administered by Aria Assistance, a trading name of Aria Insurance Services Limited. Melton Mowbray Building Society, all panel insurers and Great Lakes Reinsurance (UK) PLC are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Inter Partner Assistance in the UK is a branch of Inter Partner Assistance SA ('IPA'). IPA is authorised by the Belgian National Bank and subject to limited regulation by the Financial Conduct Authority in the UK. Heath Lambert Limited, Aria Insurance Services Limited and Arc Legal Assistance Limited are authorised and regulated by the Financial Conduct Authority. You can check this on the Financial Services Register by visiting the Financial Conduct Authority s website or by contacting the Financial Conduct Authority on

4 BUILDINGS CONTENTS VALUABLES & PERSONAL BELONGINGS AWAY FROM THE HOME Fire, smoke, lightning, explosion or earthquake Escape of water or oil Impact by aircraft or vehicles r r civil commotion or malicious acts rees, telegraph poles, aerials etc. Br res Legal liabilities to others arising from your ownership or occupation of your home (Up to 2,000,000) (Up to 2,000,000) r cables T Loss of meter The cost of r (Up to 12,500) (Up to 12,500) (Up to 750) (Up to 750) (Up to 500) (Up to 500) Within the home (Up to 500 per l cycle) Fatal injury to the insur Fr (Up to 5,000) Mobile phones Withiin the home (Up to 250 per claim) r r (Up to 500 in total) (Up to 500 in total) 4

5 SECTION OF COVER Buildings (Section 1 of Policy Wording) Contents (Section 2 of Policy Wording) Valuables and Personal Belongings (only available when Contents cover is purchased)(section 3 of Policy Wording) General MAIN EXCLUSIONS AND COVER LIMITATIONS W gates and hedges. Cover in r neither any damage caused by coastal or river erosion nor any damage which happens whilst the buildings are undergoing any structural r See also the sections headed General and Policy excesses. We will not pay for mor respect of the theft of Contents from any domestic outbuilding or garage. A deduction for wear and tear will be made in respect of the household linen. We will not pay mor respect of any items of r and mor See also the sections headed General and Policy excesses. We will not pay mor We will also not pay mor rom an unattended motor vehicle. See also the sections headed General and Policy excesses. We will not pay for: any loss or damage which you cause deliberately any loss or damage resulting from wear and tear any loss or damage caused to your Buildings or Contents by the escape of water if your property is unoccupied or unfurnished for more than the cost of repairing or replacing any undamaged part of the Buildings or Contents which is part of a pair set or suit and damage caused by domestic pets. Policy excesses and protected no claims discounts Standard policy excess - you will be r for claims made under each Section of the policy unless otherwise stated in the schedule. Escape of water excess - you will be r for escape of water perils made under each Section of the policy unless otherwise stated in the schedule. Subsidence, landslip and heave excess - you will be r unless otherwise stated in the schedule. Voluntary excess - in retur rease the standard policy r Excess buy back - in return for an additional pr reduce the standar Protected no claims discount - this optional protection is only available if you have been claims-fr r You can make up to one claim in one year and up to two claims in three years and still keep your 5

6 Adequacy of cover To ensure that adequate protection is maintained you will need to periodically review the level of cover and sums insured stated in the schedule and policy wording. Cooling-off period You have the right to cancel this insurance back to the date of inception without giving any reason, providing your instruction to cancel is submitted to Customer Services within 14 days of either: receiving the policy documentation, or the start of the insurance, whichever is later. In this event please return the documents to Melton Mowbray Home Insurance, St Mark s Court, North Street, Horsham, West Sussex, RH12 1RZ, or telephone , and we will refund your premium in full. The refund is subject to no incidents having occurred, which could give rise to a claim. Cancellation period Once the 14 day cooling-off period has expired you may cancel this insurance at any time by contacting Customer Services. On policies where the annual premium has been paid in full (providing no incidents have occurred which could give rise to a claim) a refund of premium will be calculated from receipt of this notice on a pro rata basis. Where the premium is paid by monthly payments the cancellation will take effect from the end of the period for which you have paid and therefore no refund will be due. We or Arthur J. Gallagher (UK), may cancel this insurance by giving you 14 days notice in writing, which Arthur J. Gallagher (UK) will send to the address shown in the schedule. A refund of days notice in writing, which we will send to the address shown in the schedule. A refund of premium will be made for the unexpired period of insurance. 6

7 What to do if you have a complaint Our aim is to ensure that all aspects of your insurance are dealt with promptly fairly. However, if you wish to make a complaint relating to Melton Mowbray Home Insurance, contact: Managing Director, Arthur J. Gallagher (UK), St Mark s Court, North Street, Horsham, West Sussex, RH12 1RZ Or contact our Customer Services team on: Tel no: UK.Horsham_TheMelton@ajg.com If we or Arthur J. Gallagher (UK) cannot resolve the matter to your satisfaction, you may be entitled to refer it to the Financial Ombudsman Service (FOS). For full details of the complaints procedure including how to contact FOS, please refer to your policy schedule. Please quote your policy number and/or mortgage account (where applicable) and/or claims reference number in all correspondence to enable us to deal with your complaint as quickly as possible. Financial Services Compensation Scheme We and Arthur J. Gallagher (UK) are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we or Arthur J. Gallagher (UK) cannot meet the obligations to you. Further information about the Scheme is available from the Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU, telephoning or or you can visit their website 7

8 Lines open Monday to Friday 9am-8pm, Saturday 9am-12pm (Excluding Bank Holidays). Contact your service provider for details of charges, as call costs may vary. To maintain a quality service, calls made may be monitored and recorded. For further details, call into your local branch, visit us at or call our Customer Service Centre on Melton Mowbray Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference Number ). Melton Mowbray Building Society. Registered Office: Leicester Road, Melton Mowbray, Leicestershire, LE13 0DB MELHINSPS/12/2013/V2