plug into our home and landlord s insurance

Size: px
Start display at page:

Download "plug into our home and landlord s insurance"

Transcription

1 plug into our home and landlord s insurance

2 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 and Landlord s Insurance products. These products offer enhanced cover options, increased flexibility and be available exclusively via Inertia Online. Our Home Insurance is now underwritten by a panel of insurers with the benefit of a common policy wording: Not yet registered for Inertia Online? Don t worry, contact us on for help activating your account. Our landlords Insurance product is also underwritten by a panel of insurers. In order to start selling our Home Insurance product, your business* will need to agree to our updated terms of business. *If you are directly authorised these updated terms of business must be agreed by someone within your business with FCA controller status. For appointed representatives, the updated terms of business must be accepted by your Network. Please contact your Network if you are unsure if you can have access to our new Home Insurance Product

3 What s different? Our Home & Landlord s Insurance offers: Buildings sum insured increased to 400,000 for Home and Landlord s Insurance (Home Insurance can be increased to 600,000 for an additional premium) Choice to pay annually (via Direct Debit or credit#/debit card) as well as by monthly Direct Debit* The option to pay over 10 or 12 months A greater choice of excess** amounts (available in 50 increments from ) Trace & access cover up to 5,000 for home insurance and 2,500 for landlords insurance for tracing and accessing leaking water or oil from pipes, tanks and fixed heating systems PLUS: Our Landlords Insurance allows you to add malicious damage by tenants to the policy HOME INSURANCE FEATUREs! Trace & access cover up to 5,000 for tracing and accessing leaking water or oil from pipes, tanks and fixed heating systems #Credit Card transactions are subject to 1.5% charge *Monthly installments are subject to a charge for credit **The excess for the buildings is separate to the excess for the contents. If a claim occurs affecting both Buildings & Contents, the single higher excess will apply. (Our standard excess is 100. Escape of water claims carry a minimum excess of 250 or the amount stated in your client s certificate, whichever is greater. Subsidence claims under buildings insurance carry a minimum excess of 1,000).

4 Home insurance additional features ü Replacement items settled on a new for old basis if they cannot be economically repaired ü Contents sum insured up to 50,000 which can be increased to 75,000 for an additional premium ü A 2,500 increase in contents cover for one month before and one month after a family birthday, wedding/civil ceremony, or religious festival celebrated by the policyholder ü Up to 2,000,000 Property Owner s Liability Cover ü Up to 60,000 alternative accommodation (or up to 90,000 with extra cover) for your clients and their pets under Buildings and 10,000 under Contents ü Up to 2,000 for loss or damage to your client s trees, shrubs, plants, hedges and lawn under Buildings and up to 1,500 under Contents ü Up to 15,000 for your client s valuables ü Up to 5,000 per item for your client s unspecified contents ü Up to 2,000 per item for jewellery, gold and silver articles, furs, clocks, watches, pictures, other works of art, sculptures and collections of stamps, medals or coins unless specified ü Up to 3,000 theft cover for items in your client s garage or outbuildings ü Cover for replacement of food from your client s freezer that has been spoilt by accidental change in temperature ü Replacement locks covered as standard up to 750 under buildings and up to the sum insured under contents Remember: your client can further enhance their policy with our range of optional extras which include accidental damage, personal possessions, home emergency and legal expenses cover. What s not covered? As with all insurance policies there are certain circumstances when your client will not be able to make a claim. These include the following: ü Any loss or damage caused by wet rot or dry rot ü General wear and tear ü Storm or flood damage to fences, hedges and gates ü Loss or damage by some events which occur after the insured property has been unoccupied for more than 60 days Full details of the exclusions which apply are provided in our Policy Document.

5 Quote & application process Step 1: Login Obtaining a quotation is quick and easy! Simply log in to Inertia Online via If you need to activate your account either click on Need to activate your Account from the home page or visit Step 3: Quote Enter all the client information then click Get Quotes. We will search our panel of insurers and provide you with the lowest premium available. You are then able to tailor the quote by choosing the preferred payment frequency and method along with a choice of optional extras. Step 2: Start Quote Select Home Insurance then Start New Quote. Step 4: Apply Finally, provide the remaining information we need to set up the policy i.e. address and payment details, then submit the application online.

6 FAQs Can my customer still choose between BestQuote and FreeFirst payment options? We will still offer a choice of payment options for customers wishing to pay by monthly Direct Debit although these will no longer be named BestQuote and FreeFirst. Customers will now be offered one annual premium with a choice of three payment methods. They can choose to pay in one lump sum, over 12 monthly direct debit payments or they can select our two months payment free option which gives them the choice to defer their first two monthly payments and pay over 10 monthly payments. The cost of the cover commences from the start of the insurance policy therefore the total amount payable for customers choosing to pay over 10 months will be the same as if they paid over 12 months, meaning the monthly payments will be higher for customers paying over 10 months. Monthly payment options are subject to a Consumer Credit Agreement with an associated charge for credit. Will my customer be eligible for cover? Our new home insurance product has almost identical eligibility questions as our classic product but with more insurers competing for your customer s business the coverage available for your geographical region or clientele will be increased. Are there any additional checks on the customer and does this impact their credit file? Only if the customer accepts to have additional checks completed will Aviva perform a Quotation search to enable them to offer your client their cheapest premium. This will leave a soft footprint on your customer s credit file which whilst being visible to the customer and other credit providers (on request of the individual s file) will only show that a quotation has been requested and will not impact the customer s credit rating. How can my customer pay for their policy? Your customer can now choose to pay annually by annual Direct Debit, debit or credit card (subject to a handling charge of 1.5% to cover merchant transaction fees) or by monthly Direct Debit subject to a Consumer Credit Agreement with an associated charge for credit. how will renewal effect customer pricing? Paymentshield will closely monitor customer pricing and do all we can to keep the price your customer pays as competitive as possible on renewal. One way in which we have done this is by introducing a re-broke feature. Provided the customer has opted in to re-broke and not made a claim, we will ask our panel of insurers to offer their best rate. Subject to meeting our criteria, your customer may then have the option of remaining with the renewal price offered by their current insurer, or taking any lower price that is offered by another of our panel. In addition to our re-broke feature, our insurer and pricing initiatives should all help increase customer retention.

7 Will my customer receive a refund if they wish to cancel? Our home insurance product has a 30 day cooling off period during which your customer can cancel the policy back to the start date for a full refund, unless they have made a claim during this period, less any administration charges and also a cancellation fee may apply. After this period, your customer will be offered a pro-rata refund based on the premiums paid, less any administration charges. A cancellation fee may also apply. Is the policy subject to mid term amendment or cancellation fees? We do not charge customers to make changes to their policy mid-term. The charges applicable to the policy are an annual administration charge and a cancellation charge which may be applied should your customer cancel before the renewal date. If a customer is paying by monthly Direct Debit, they may be required to settle the balance of the premium on a pro-rata basis for the period of time they have been on cover for. This also applies to customers who choose to defer their first two monthly payments; which includes if they cancel prior to any payments being received. If the customer pays by monthly Direct Debit, their payments will be subject to a Consumer Credit Agreement with an associated charge for credit. All Charges are stated within the policy documentation. If my customer has a claim, when will their No Claim Discount (NCD) be reduced? As our home insurance policies are provided on an annual basis, should your customer have a claim their No Claim Discount (NCD) entitlement will be reduced by 2 years at the next renewal. At the following renewal, provided there are no further claims, the NCD will increase by 1 year. Who will handle my customers claims? The insurer your customer chooses will handle the claim from first notification through to repair/replacement. What policy documentation will my customer receive when they purchase a policy? Your customer will receive the Policy Document together with the following documents: Policy Certificate - containing the customer s details and chosen cover options Insurer Schedule - this shows the insurer(s) for your policy and important contact details Statement of Fact - details the information you and/or your customer have told us Statement of Price - showing the annual premium amount for their policy If your customer has chosen a monthly payment option, they will also receive a Consumer Credit Agreement outlining the monthly payable amount including the charge for credit. Will there be any changes to my Commission Payments? All current commission options are available to you under the new product, however the way that commission payments and clawback liabilities are calculated will be slightly different as the product has an annual contract of insurance. In addition, should the customer choose our two months payment free option your commission will now only be paid from month three following the customer s first payment; you will of course receive your full annual commission paid over the remaining 10 months of the policy term.

8 For all queries regarding Paymentshield Buildings & Contents insurance please contact our Broker Support Team on or visit our website at paymentshield.co.uk/plugin This document is intended solely for use by Directly Authorised or Exempt Firms as defined by the Financial Conduct Authority and should not be given to the general public. Paymentshield and the Shield logo are registered trademarks of Paymentshield Limited (registered number ) which is a company registered in England and Wales at Paymentshield House, Southport Business Park, Wight Moss Way, Southport PR8 4HQ. Authorised and regulated by the Financial Conduct Authority. Telephone calls to Paymentshield may be recorded for security purposes and monitored under our quality control procedures. Paymentshield Limited PSL/00165 (02/15).

Home Insurance Policy Summary

Home Insurance Policy Summary Home Insurance Policy Summary The Administrator for this insurance policy is Paymentshield Limited. Please read this document carefully This document provides a summary of cover and does not contain the

More information

Home Insurance Policy Summary

Home Insurance Policy Summary Protect Home Insurance Policy Summary ridiculouslysensible insurance. N 1 Home Insurance Policy Summary Home Insurance Policy Summary Protect My World is underwritten by Royal & Sun Alliance Insurance

More information

Home Insurance AXA HomeSafe. Your policy summary

Home 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 information

How To Get A Vfm Cover Select Policy For A Year

How To Get A Vfm Cover Select Policy For A Year 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

More information

Preferred Choice. Policy Summary

Preferred Choice. Policy Summary Preferred Choice Policy Summary Preferred Choice is underwritten by Tower Insurance Company Limited. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable.

More information

specialist landlords insurance

specialist 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 information

HOME CHOICE INSURANCE POLICY SUMMARY

HOME 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 information

Home Insurance. Policy Summary

Home Insurance. Policy Summary 1 Home Insurance Policy Summary Home Insurance Policy Summary Home Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the

More information

This policy summary does not contain full details and conditions of your insurance you will find these in your policy wording.

This 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 information

Summary of Cover. Home Insurance

Summary 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 information

Home insurance. A summary of your cover

Home insurance. A summary of your cover Home insurance A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part of the contract between

More information

Summary of exclusions and limits Your policy will not pay for the following if caused by any paying guest or tenant: What is covered

Summary of exclusions and limits Your policy will not pay for the following if caused by any paying guest or tenant: What is covered A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part of the contract between us. The Sainsbury's

More information

An insurance package designed for flat owners and residents of blocks of flats.

An 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 information

Broker Direct Home Options Policy Summary

Broker 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 information

Your summary of cover. Saga Home Insurance

Your 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 information

A summary of your cover. Section 1 Buildings cover

A summary of your cover. Section 1 Buildings cover A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part of the contract between us. The NatWest

More information

AXA Exclusive. Information leaflet Home Buildings and Contents Insurance

AXA 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 information

Choices Extra Policy Summary

Choices 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 information

AXA s Flats Insurance Policy brought to you by Property UK offers you comprehensive standard cover plus optional extras.

AXA 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 information

About Your Simple Insurance Policy. Landlords Buildings & Contents Legal Expenses Rent Guarantee Home Emergency Cover

About Your Simple Insurance Policy. Landlords Buildings & Contents Legal Expenses Rent Guarantee Home Emergency Cover About Your Simple Insurance Policy Landlords Buildings & Contents Legal Expenses Rent Guarantee Home Emergency Cover About Your Simple Insurance Policy The Financial Conduct Authority The FCA is the independent

More information

Age UK Home Insurance Policy Summary

Age 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 information

Home Insurance. Important information. Just ask. including your Policy Summary

Home Insurance. Important information. Just ask. including your Policy Summary Home Insurance Important information including your Policy Summary Just ask Demands and Needs This product meets the demands and needs of someone wishing to insure their home and contents for events such

More information

A summary of your cover

A summary of your cover A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part of the contract between us. The Churchill

More information

Haven Home Insurance Policy Key Facts

Haven 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 information

Home Insurance. Your policy summary AXA ABC

Home Insurance. Your policy summary AXA ABC Home Insurance Your policy summary AXA ABC February 2014 Policy summary This policy summary does not contain full details and conditions of your insurance these are located in your policy booklet. This

More information

Home Sweet Home. Home Insurance. Your cover

Home Sweet Home. Home Insurance. Your cover Home Sweet Home Home Insurance Your cover A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part

More information

Age UK Home Insurance Policy Summary

Age 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 information

home insurance Policy summary 24 hour claim notification line 0845 001 0043

home insurance Policy summary 24 hour claim notification line 0845 001 0043 home insurance Policy summary 24 hour claim notification line 0845 001 0043 home insurance A tailored approach Our exclusive insurance product offers you the opportunity to tailor a Buildings and/or Contents

More information

HOME CONTENTS INSURANCE

HOME 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 information

Buildings Insurance If you select Buildings Insurance, the following will automatically be included:

Buildings 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 information

Home Insurance Policy Summary

Home Insurance Policy Summary Home Insurance Policy Summary Page 1 Just the cover you need Home Insurance Thanks for choosing ASDA Home Insurance. It s a good feeling when you know the things you really value are protected, isn t it?

More information

NWBIB Ltd Residential Property Owners Policy Summary

NWBIB 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 information

Your summary of cover. Saga Home Insurance

Your 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 information

Tenants Contents Insurance Policy Summary

Tenants 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 information

A summary of your cover. Section 1 Buildings cover

A summary of your cover. Section 1 Buildings cover A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part of the contract between us. The NatWest

More information

Home. summary of benefits

Home. 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 information

Premier Home Insurance Policy Summary

Premier Home Insurance Policy Summary Premier Home Insurance Policy Summary Home Insurance Thanks for choosing Benenden Home Insurance. It s a good feeling when you know the things you really value are protected, isn t it? That s why we let

More information

Your 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 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 information

Home insurance. A summary of your cover

Home insurance. A summary of your cover Home insurance A summary of your cover A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part

More information

This policy summary does not contain full details and conditions of your insurance you will find these in your Policy Wording.

This 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 information

Home and Legacy Ultra Home Policy Summary

Home and Legacy Ultra Home Policy Summary Home and Legacy Ultra Home Policy Summary This is a policy summary only and does not contain the full terms and conditions of the contract. It does not form part of the contract between you and us. Full

More information

1 HOME INSURANCE EXTRA

1 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 information

If it matters to you, it matters to us.

If 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 information

Home insurance. A summary of your cover

Home insurance. A summary of your cover Home insurance A summary of your cover A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part

More information

SUMMARY OF COVER. Foundation Home Insurance

SUMMARY 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 information

Park Home Insurance. Important Information About Our Insurance: 01 Terms of Business Agreement 02 Summary of Cover. Leisure Home

Park Home Insurance. Important Information About Our Insurance: 01 Terms of Business Agreement 02 Summary of Cover. Leisure Home Park Home Insurance Important Information About Our Insurance: 01 Terms of Business Agreement 02 Summary of Cover Leisure Home i n s u r a n c e Leisure Home i n s u r a n c e Park Home Insurance Terms

More information

Paragraph A Loss or Damage What you are covered for:

Paragraph 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 information

If it matters to you, it matters to us.

If 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 information

Landlord s Household Insurance Policy Summary

Landlord 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 information

Let Property FlexiLet Buildings and Contents Insurance Summary of Cover

Let 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 information

Paragon Advance Landlords Buildings & Contents Policy Underwritten by Zurich Insurance plc. Summary of Cover

Paragon Advance Landlords Buildings & Contents Policy Underwritten by Zurich Insurance plc. Summary of Cover Paragon Advance Landlords Buildings & Contents Policy Underwritten by Zurich Insurance plc Summary of Cover Summary of Cover Important you should read this This leaflet provides a summary of the significant

More information

The policy documentation can also be made available to you in large print, audio or Braille on request via your broker or insurance intermediary.

The 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 information

TO LET. Your guide to. Saga Landlord Insurance. including the Summary of Cover

TO LET. Your guide to. Saga Landlord Insurance. including the Summary of Cover TO LET Your guide to Saga Landlord Insurance including the Summary of Cover Your introduction to Saga Landlord Insurance Thank you for your interest in Saga Landlord Insurance. This guide gives you a summary

More information

HOME INSURANCE ESSENTIALS POLICY SUMMARY.

HOME 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 information

Realty Classic. High Value Home and Worldwide Possessions Insurance Policy Summary. Arranged by Realty Insurances

Realty Classic. High Value Home and Worldwide Possessions Insurance Policy Summary. Arranged by Realty Insurances Realty Classic High Value Home and Worldwide Possessions Insurance Policy Summary Arranged by Realty Insurances Realty Insurances Limited Realty Insurances Limited is an independent firm of Chartered insurance

More information

Landlord s Residential Property Insurance Policy Summary

Landlord s Residential Property Insurance Policy Summary Landlord s Residential Property Insurance Policy Summary Landlord s Residential Property Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each

More information

R.T. Williams Advantage Home Insurance Underwritten by Zurich Insurance plc

R.T. Williams Advantage Home Insurance Underwritten by Zurich Insurance plc R.T. Williams Advantage Home Insurance Underwritten by Zurich Insurance plc Summary of cover Insurance Brokers Ltd Important you should read this Your policy will normally run for 12 months unless you

More information

Residential Property Owners

Residential Property Owners Residential Property Owners Policy Summary The Residential Property Owners Policy is a flexible Policy offering cover on a sum insured basis for loss or damage to buildings and/or contents. It is designed

More information

Holiday Home Policy Summary 1

Holiday Home Policy Summary 1 Holiday Home Policy Summary (Version: September 2014) Welcome to AIG Holiday Home Cover. The purpose of this policy summary is to briefly outline to you the significant features, benefits, limitations

More information

Home Insurance. Our Policy is You

Home 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 information

AXA Exclusive. Information leaflet Home Buildings and Contents Insurance

AXA Exclusive. Information leaflet Home Buildings and Contents Insurance AXA Exclusive Information leaflet Home Buildings and Contents Insurance February 2014 Contents Why choose AXA Exclusive 3 Features and benefits 3 Important information 7 How much cover do I need? 7 Limits

More information

Name of the insurer The Home scheme is underwritten by Royal & Sun Alliance Insurance plc (RSA).

Name of the insurer The Home scheme is underwritten by Royal & Sun Alliance Insurance plc (RSA). 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 the policy booklet(s) and

More information

Proposal Form. Home Contents Insurance

Proposal Form. Home Contents Insurance Proposal Form Home Contents Insurance 1 HOME CONTENTS INSURANCE Welcome FirstPort Home Contents Insurance With FirstPort Insurance Services you can enjoy peace of mind knowing that your most treasured

More information

LANDLORDS INSURANCE POLICY SUMMARY LANDLORDS INSURANCE KEY FEATURES.

LANDLORDS INSURANCE POLICY SUMMARY LANDLORDS INSURANCE KEY FEATURES. 1 LANDLORDS INSURANCE POLICY SUMMARY LANDLORDS INSURANCE KEY FEATURES. LANDLORDS INSURANCE INTRODUCTION 1 ABOUT LEGAL & GENERAL. The Legal & General Group, established in 1836, is one of the UK s leading

More information

Simple. Application Form. Household Contents Insurance

Simple. Application Form. Household Contents Insurance Simple Household Contents Insurance Household Contents Insurance Application Form Please return your application form to: RSA, Direct Group Property Services, 4 Sidings Court, Doncaster DN4 5NU SOUTH LAKES

More information

Landlords Insurance. Policy Summary. Page 1

Landlords Insurance. Policy Summary. Page 1 Landlords Insurance Policy Summary Page 1 Landlords Insurance Policy Summary Your Landlords Insurance Underwriter is Aviva. Your Landlords Insurance is an annual contract and may be renewed each year subject

More information

POLICY SUMMARY. Landlords insurance. We have designed this policy to protect the property and your contents.

POLICY SUMMARY. Landlords insurance. We have designed this policy to protect the property and your contents. POLICY SUMMARY. Landlords insurance We have designed this policy to protect the property and your contents. POLICY SUMMARY. This policy summary is only a brief guide to your cover and exclusions. You can

More information

A nice and simple guide to Median. Buildings & Contents Insurance. Underwritten by

A nice and simple guide to Median. Buildings & Contents Insurance. Underwritten by A nice and simple guide to Median Buildings & Contents Insurance Underwritten by A nice and simple guide to Median Median is a simple and straight-forward home insurance policy. It s ideal for the typical

More information

Holiday Home Insurance Policy Summary

Holiday Home Insurance Policy Summary Insurance Summary Leisuredays Insurance is underwritten by Royal & Sun Alliance Insurance plc. The Legal Expenses cover is provided by Inter Partner Assist SA, and administered on their behalf by Arc Legal

More information

Home Insurance Policy. In association with

Home 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 information

Home and Legacy Prestige Home Policy Summary

Home and Legacy Prestige Home Policy Summary Home and Legacy Prestige Home Policy Summary This is a policy summary only and does not contain the full terms and conditions of the contract. It does not form part of the contract between you and us.

More information

Clearchoice Policy Summary

Clearchoice Policy Summary Clearchoice Policy Summary Clearchoice Home Insurance, with the exception of the Family Legal Care section, is underwritten by Royal & Sun Alliance Insurance plc. The Family Legal Care section of this

More information

Affordable Home Contents Insurance

Affordable Home Contents Insurance Affordable Home Contents Insurance We remind all tenants and leaseholders to take out household contents insurance. You can do this either through this scheme, arranged by WDH, or by making your own private

More information

Residential Property Owners

Residential 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 information

Source. Product training guide

Source. Product training guide Source Product training guide How to use The Source Online To start placing cases immediately, you ll need to log in using your unique numerical broker ID and password. If you don t have yours please contact

More information

Tenants Contents Insurance Policy Summary

Tenants 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 information

Simple. Application Form. Household Contents Insurance

Simple. Application Form. Household Contents Insurance Simple Household Contents Insurance Household Contents Insurance Application Form Please return your application form to: RSA, Direct Group Property Services, Quay Point, Lakeside Boulevard, Doncaster

More information

Rental Home Policy Summary 1

Rental Home Policy Summary 1 Rental Home Policy Summary (Version: September 2014) Welcome to AIG Rental Home Cover. The purpose of this policy summary is to briefly outline to you the significant features, benefits, limitations and

More information

R.T. Williams Advantage Home Insurance summary of cover. Underwritten by Zurich Insurance plc

R.T. Williams Advantage Home Insurance summary of cover. Underwritten by Zurich Insurance plc R.T. Williams Advantage Home Insurance summary of cover Underwritten by Zurich Insurance plc Important you should read this Your policy will normally run for 12 months unless you or we choose to cancel.

More information

BROXTOWE BOROUGH COUNCIL REMINDS ALL TENANTS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE

BROXTOWE 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 information

Buildings Insurance. Summary of Cover

Buildings Insurance. Summary of Cover Buildings Insurance Summary of Cover Important you should read this Summary of cover Buildings Insurance This leaflet provides a summary of the significant features, benefits and limitations of the cover

More information

Your Home Insurance Policy Summary

Your 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 information

home insurance Policy summary 24 hour claim notification line 0845 001 0043

home insurance Policy summary 24 hour claim notification line 0845 001 0043 home insurance Policy summary 24 hour claim notification line 0845 001 0043 home insurance 24 Hour Claims Helpline: 0845 001 0043. Straightforward claims registration - our specialist claims staff will

More information

Insure As U Go Buildings & Contents Insurance

Insure As U Go Buildings & Contents Insurance 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 Ltd. Full terms and conditions can be found in the UKG

More information

Your policy summary Buy to Let

Your policy summary Buy to Let Buildings and contents insurance for landlords Your policy summary Buy to Let February 2014 edition Contents How much cover do I need? 3 Features and benefits 4 Policy summary 6 Features and benefits 7

More information

Policy Summary Hospitality Insurance Underwriting Agencies (HIUA) Insurance Policy for Guest Houses

Policy Summary Hospitality Insurance Underwriting Agencies (HIUA) Insurance Policy for Guest Houses Policy Summary Hospitality Insurance Underwriting Agencies (HIUA) Insurance Policy for Guest Houses The information provided in this policy summary is key information you should read This Policy Summary

More information

Buildings Insurance If you select Buildings Insurance, the following will automatically be included: Significant Exclusions or Limitations

Buildings Insurance If you select Buildings Insurance, the following will automatically be included: Significant Exclusions or Limitations clearch ice policy summary Clearchoice Home 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 then

More information

Tenants Home Contents Insurance Application Form

Tenants Home Contents Insurance Application Form Tenants Home Contents Insurance Application Form PLEASE RETURN YOUR COMPLETED APPLICATION FORM TO: Viewpoint Housing Association, 4 South Oswald Road, Edinburgh, Lothian, EH9 2HG Viewpoint Housing Association

More information

HOME INSURANCE EXTRA KEY FEATURES. INSURANCE. SAVINGS. INVESTMENT MANAGEMENT.

HOME INSURANCE EXTRA KEY FEATURES. INSURANCE. SAVINGS. INVESTMENT MANAGEMENT. 1 HOME INSURANCE EXTRA KEY FEATURES. INSURANCE. SAVINGS. INVESTMENT MANAGEMENT. 1 HOME INSURANCE EXTRA INTRODUCTION ABOUT LEGAL & GENERAL. The Legal & General Group, established in 1836, is one of the

More information

Lifestyle Home Insurance

Lifestyle Home Insurance 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

More information

Residential Park Home Policy Summary

Residential Park Home Policy Summary Residential Park Home Policy Summary Leisuredays Residential Park Home Insurance is underwritten by Royal & Sun Alliance Insurance plc. The Legal Expenses cover is provided by Inter Partner Assist SA,

More information

THURROCK COUNCIL REMINDS ALL CUSTOMERS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE

THURROCK COUNCIL REMINDS ALL CUSTOMERS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE THURROCK COUNCIL REMINDS ALL CUSTOMERS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE Many customers believe that Thurrock Council automatically insure their furniture, belongings and decorations against fire,

More information

HOME INSURANCE. Your Home Solutions policy summary

HOME INSURANCE. Your Home Solutions policy summary HOME INSURANCE Your Home Solutions policy summary Home Solutions policy summary About your home insurance This is a summary of the cover available under the Home Solutions insurance policy and does not

More information

The policy summary for your home insurance premier cover

The policy summary for your home insurance premier cover The policy summary for your home insurance premier cover The policy summary for your M&S Home Insurance Premier Cover This is a summary of the M&S Home Insurance Premier Cover policy which is underwritten

More information

Simple. Application Form. Household Contents Insurance. Please return your application form to your local housing office

Simple. Application Form. Household Contents Insurance. Please return your application form to your local housing office Simple Household Contents Insurance Household Contents Insurance Application Form Please return your application form to your local housing office LEEDS CITY COUNCIL REMINDS ALL CUSTOMERS TO TAKE OUT HOUSEHOLD

More information

HOME INSURANCE HOME SOLUTIONS POLICY SUMMARY: THE IMPORTANT THINGS YOU NEED TO KNOW

HOME INSURANCE HOME SOLUTIONS POLICY SUMMARY: THE IMPORTANT THINGS YOU NEED TO KNOW HOME INSURANCE HOME SOLUTIONS POLICY SUMMARY: THE IMPORTANT THINGS YOU NEED TO KNOW Home insurance policy summary Home Solutions policy summary About your home insurance This is a summary of the Home Solutions

More information

Guide to Home Buildings and Contents Insurance. April 2012

Guide 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 information

TENANTS CONTENTS INSURANCE MADE SIMPLE

TENANTS 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 information

Comprehensive Landlord Insurance Policy Summary

Comprehensive Landlord Insurance Policy Summary Comprehensive Landlord Insurance Policy Summary This document provides a summary of the cover provided. Full details can be found in the policy wording, which is available online at homelet.co.uk or by

More information

Landlord Underwriting Guide

Landlord 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 information