Private Clients Home Insurance Policy

Transcription

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2 Contents Pge Introduction 1-2 Definitions 3-5 Generl conditions 6 How we will del with your clim Sections One to Five 7 How to mke clim 8 Generl exclusions 9 Section One Buildings Section Two Contents Section Three - Accidents to domestic stff 19 Section Four Legl liility to the pulic Section Five Vlules, ntiques nd works of rt, gold nd silver Section Six Legl Expenses Section Seven Helplines Section Eight Home emergency Section Nine Trvel Septemer 2014

3 1 Introduction Welcome to your Mrkhm Privte Clients high vlue Home insurnce policy. The policy is Underwritten y Amlin s Syndicte 2001 t Lloyds of London, who hve over 20 yers experience insuring high vlue homes for the ffluent individul or fmily. This policy of insurnce, schedule nd ny endorsement pplying to your policy forms your Mrkhm Privte Clients Home Insurnce document. This document sets out the conditions of the contrct of insurnce etween you nd us. In return for pyment of the premium shown in the schedule, we gree to insure you, suject to the terms nd conditions contined in or endorsed on this policy, ginst loss or dmge you sustin or legl liility you incur for ccidents hppening during the period of insurnce s shown in the schedule. This is leglly-inding contrct of insurnce etween you nd us. This insurnce does not give or intend to give rights to nyone else. No one else hs the right to enforce ny prt of this insurnce. When drwing up this insurnce, we hve relied on the informtion nd sttements which you gve in the proposl form (or sttement of fct) on the dte shown in the schedule. The insurnce reltes only to those sections of the policy which re shown in the schedule s eing included. Plese red the whole document crefully nd keep it in sfe plce. It is importnt tht - you re cler which sections you hve sked for nd wnt to e included; - you understnd wht ech section covers nd does not cover; nd - you understnd your own duties under ech section nd under the insurnce s whole. Plese contct your roker or insurnce dviser immeditely if this document is not correct or if you would like to sk ny questions. Detils of our regultor Amlin Underwriting Limited (who mnges the Lloyd s Syndicte 2001 who provide this insurnce) is uthorised y the Prudentil Regultion Authority nd regulted y the Finncil Conduct Authority nd Prudentil Regultion Authority under reference numer You cn visit the Finncil Conduct Authority wesite t or you cn phone them on Finncil Services Compenstion Scheme Amlin Underwriting Limited is covered y the Finncil Services Compenstion Scheme. You my e entitled to compenstion from the scheme if Amlin Underwriting Limited cnnot py clim to you under this contrct. If you re entitled to compenstion under the scheme, how much compenstion you would receive would depend on the nture of this contrct. You cn get more informtion out the scheme from the Finncil Services Compenstion Scheme 10th Floor, Beufort House, 15 St Botolph Street, London EC3A 7QU nd on their wesite t 1 Septemer 2014

4 2 Introduction (continued) Complints procedure If you hve ny questions or concerns, you should contct your roker or insurnce dviser. If you re unle to resolve the mtter with your roker or insurnce dviser nd wnt to mke forml complint, you cn do so t ny time y referring the mtter to either Syndicte 2001 (the Insurer) Complints Tem which is mnged y Amlin Underwriting Limited t E-mil: ulcomplints@mlin.co.uk Telephone: +44 (0) Address: Amlin Underwriting Limited, St Helen s, 1 Undershft, London EC3A 8ND or Lloyd s Policyholder nd Mrket Assistnce Tem t E-mil: complints@lloyds.com Telephone: +44 (0) Fx: +44 (0) Address: Policyholder nd Mrket Assistnce Mrket Services, Lloyd s, One Lime Street, London EC3M 7HA Detils of Lloyd s complints procedures re set out in leflet Your Complint How We Cn Help ville t nd re lso ville from the ove ddress. If you remin disstisfied fter Lloyd s hs considered your complint, you my hve the right to refer your complint to the Finncil Omudsmn Service. Cooling off period You my cncel this insurnce within 14 dys of you uying this insurnce or the dy on which you receive the insurnce documents whichever is lter. We will provide full refund of the premium pid. We cn decide not to refund ny premium if you hve mde clim on this insurnce. 2 Septemer 2014

5 3 Definitions Whenever the following words pper in this insurnce they will hve the menings shown elow. Antiques nd works of rt Buildings Business Business contents Contents Individul items, collections nd sets of prticulr vlue due to their ge, style, rtistic merit or collectility including furniture, designer mde furniture, pintings, drwings, ojets d rt, chin, glss, porcelin, sculptures (inside or outside the home nd within the premises), rugs, tpestries, clocks nd rometers which elong to you or for which you re leglly responsile s long s it is not usiness property. The following, which you own or for which you re leglly responsile within the premises nmed in the schedule.. The home within the premises nmed on the schedule, its decortions nd tennts improvements; fixtures nd fittings ttched to the home (including rdio nd televsion riels, solr pnels, stellite dishes, their fittings nd msts); underground service pipes nd cles, sewers, drins nd septic tnks; nd permnently instlled lighting, swimmings pools, tennis courts, drivewys, footpths, ptios nd terrces, wlls, gtes, fences, hedges, fixed fuel tnks, professionlly nd permnently instlled hot tus nd wind turines used for domestic purposes only. Any professionl ctivity or non-mnul usiness crried out t your home. Furniture nd equipment, sttionry, office supplies, softwre, records nd documents in the home which elong to the usiness or for which the usiness is leglly responsile. Household goods nd personl possessions, which elong to you or for which you re leglly responsile, normlly kept within the home. Contents includes tennts fixtures nd fittings; wine; guns; nd rdio nd television erils, solr pnels, stellite dishes, their fittings nd msts which re ttched to the home. Limits for certin contents We will py up to 25,000 for grden furniture, permnently fixed sttues nd ornments nd other similr items which re normlly kept outdoors nd grden mchinery, while in the open ut within the premises. This does not pply to rdio nd television erils, solr pnels, stellite dishes nd their fittings nd msts which re ttched to the home. We will py up to 7,500 in totl for money. We will py up to 35,000 for credit crds, ut we will only py mounts you leglly hve to py, s result of unthorised use, fter the crds hve een lost or stolen. However you must keep to ll the terms nd conditions under which the credit crds were issued. We will py up to 10,000 for deeds nd regsitered onds nd other personl documents. We will py up to 5,000 for stmps or coins forming prt of colleciton. We will py up to 10,000 for gold nd silver. We will py up to 10,000 for vlules. We will py up to 10,000 for domestic fuel in fixed tnks. We will py up to 7,500 for computer softwre (including the cost of restoring computer files) during the period of insurnce. Contents does not include Motor vehicles (other thn qud ikes, golf uggies or trilers up to 12,500 in totl while in locked uilding, electric wheelchirs or items designed for child to use), crvns or their ccessories; ny niml, plnt or tree; ircrft; wtercrft (other thn dinghies, rowing ots or silords up to vlue of 10,000 in totl while they re in locked uilding); ny prt of the uildings; 3 Septemer 2014

6 4 Definitions (continued) ny property held or used for usiness purposes other thn office equipment; or ny property insured under ny other insurnce. Computer viruses Credit crds Endorsement Grden An instruction from n unuthorised source tht spreds itself over computer system or network nd corrupts informtion. Credit crds, chrge crds, deit crds, cheque gurntee crds nd csh-dispenser crds. A chnge in the terms nd conditions of this insurnce. The ground next to your home nd within the premsies nmed in the schedule which is used only for growing flowers, plnts, trees, shrus, fruit nd vegetles (ut not s usiness); nd s plce to relx nd enjoy. The grden does not include woods pddocks. Gold nd silver Home Home office usiness Incidentl frming Money Period of insurnce Premises Snitry wre Schedule Stndrd construction Tennts improvements Terrorism This includes gold nd silver plted items. The privte dwelling uilt of stndrd construction nd the grges nd outuildings used for domestic purposes t the premises shown in the schedule. Office work crried out in your home. Frming crried out y you on prt time sis t the ddress shown in the schedule s long s ny people you employ for this purpose do not work more thn 2,000 hours etween them during the period of insurnce. All of the following held or used for privte purposes. Current legl tender, cheques, postl nd money orders. Postge stmps not forming prt of stmp collection. Svings stmps nd svings certifictes, trvellers cheques. Premium onds, luncheon vouchers nd gift tokens. Trvel tickets. The length of time for which this insurnce is in force, s shown in the schedule nd for which you hve pid nd we hve ccepted premium. The ddress which is nmed in the schedule. Wshsins, sinks, idets, lvtory pns, cisterns, shower trys, shower screens, ths nd th pnels. The schedule is prt of this insurnce nd contins detils of you, the premises, the sums insured, the period of insurnce nd the sections of this insurnce nd ny endorsements which pply. Built of rick, stone or concrete nd roofed with sltes, tiles, sphlt, metl or concrete. Altertions nd decortions, which hve een mde y you or previous occupier which re not insured under ny other insurnce. Any ct(s) including ut not limited to 1 the use nd/or thret of force or violence; or 2 the cusing, occsioning nd/or thretening of hrm of whtever nture nd y whtever mens y ny person or group(s) of persons, whether cting lone or on ehlf of or in connection with ny orgnistion(s) or government(s) committed for politicl, religious, ideologicl, ethnic or similr purposes including the intention to influence ny government nd/or to put the pulic or ny section of the pulic in fer. 4 Septemer 2014

7 5 Definitions (continued) United Kingdom Englnd, Wles, Scotlnd, Northern Irelnd, the Isle of Mn nd the Chnnel Islnds. Vlules jewellery including unset precious or semi precious stones; wtches with n individul vlue of 5,000 or more; nd furs. We, us or our You, your or insured Your roker or insurnce dviser Lloyd s Syndicte 2001, mnged y Amlin Underwriting Limited through its service compny Amlin UK Limited. The person or people nmed in the schedule nd ll memers of their fmily (including your nnny nd other domestic stff) who permnently live in the home. The person or people who rrnged this insurnce for you. 5 Septemer 2014

8 6 Generl conditions We will tret ech home included under this insurnce s if seprtely insured. A Cncelltion cluse 1 You my cncel this insurnce t ny time y writing to your roker or insurnce dviser. Any return premium due to you will depend on how long this insurnce hs een in force nd whether you hve mde clim. 2 We my lso cncel this insurnce y giving you 30 dys notice in writing. Any premium due to you will depend on how long this insurnce hs een in force. B Contrcts (Rights of Third Prties) Act 1999 A person who is not directly involved in this insurnce hs no right under the Contrcts (Rights of Third Prties) Act 1999 to enforce ny term of this contrct. However, this does not ffect ny of their rights which exist prt from the Act. C Dt Protection Act 1998 We will hndle ny informtion you hve given, in line with the conditions of the Dt Protection Act To provide insurnce nd hndle clims, we my need to provide this informtion to other people. D Index-linking Ech month we will link the sums insured in Section One (uildings) nd Section Two (contents) to the relevnt indexes elow. Section One (uildings) The House Reuilding Cost Index issued y the Royl Institute of Chrtered Surveyors Section Two (contents) The Consumer Durles Section of the Generl Index of Retil Prices or similr index we hve chosen. We will not chrge you ny extr premium for ny monthly increse. However, whenever you renew this insurnce, we will work out the premium using the new sums insured. For your protection, if the index flls elow zero, we will not reduce the sum insured. E F Lw which pplies to this insurnce You nd we cn choose the lw which pplies to this insurnce document. Unless we hve greed differently with you, this insurnce will e governed y English Lw. Your duties 1 You must tke ll resonle steps to prevent loss, dmge or n ccident nd keep the uildings in good stte of repir. 2 You must tell your roker or insurnce dviser immeditely if you stop using the home s your permnent home; or regulrly leve the home without nyone living in it. When we receive this notice, we cn chnge the conditions of this insurnce. 3 You must tell your roker or insurnce dviser efore you strt ny conversions, extensions or other structurl work to the uildings nd ny works involving the use or ppliction of het. When we receive this notice, we cn chnge the conditions of this insurnce. 4 You must keep the sums insured t level which represents the full vlue of the property. Full vlue should represent the following. For uildings the full reuilding cost including removl of deris nd professionl fees. For contents the current cost s new. For ntiques nd works of rt, vlules, gold nd silver the current mrket vlue. If you fil to keep ny of these duties nd this results in loss or dmge, we my not py your clim. 6 Septemer 2014

9 7 How we will del with your clim under Sections One to Five A B Defending clims We my tke full responsiility for deling with, defending or settling ny clim in your nme; nd tke ny ction we consider necessry to enforce your rights or our rights under this insurnce. Other insurnce We will not py ny clim if ny loss, dmge or liility covered under this insurnce is lso covered totlly or prtly under ny other insurnce except for ny excess eyond the mount which would hve een covered under the other insurnce if this insurnce did not exist. This cluse does not pply to ftl injury (Section Two Extension H). C D Frudulent clims If you, or nyone cting for you, mke clim knowing it to e flse or frudulent in ny wy, this insurnce will no longer pply nd we will not py ny clims. Excess Unless otherwise stted on your scheudle, the following excesses pply for ech nd every loss. Section One Section Two Section Three Section Four Section Five 250 excess pplies, other thn in respect of susidence, lndslip or heve, where 1,000 excess pplies. 250 excess pplies, other thn lock replcement where no excess pplies. No excess pplies. No excess pplies. 250 exceess pplies, other thn for specified items where no excess pplies. If clim is more thn 10,000, we will not tke off ny excess unless you hve chosen voluntry excess or we hve pplied compulsry excess s shown in your schedule. If you clim for the sme incident under more thn one section nd n excess is shown under more thn one section, we will only pply one excess. 7 Septemer 2014

10 8 How to mke clim We im to provide first clss service. Your clim will e hndled promptly nd with due cre nd professionlism. We will lso ensure you re kept informed of the progress of your clim. The Clims Tem is open 24 hours dy, 365 dys yer. In the event of clim or possile clim under this insurnce plese contct the Clims Tem either y phone on: or in writing to: 2 Birtley Courtyrd, Brmley, Surrey, GU5 0LA. Your Clims Tem will record your notifiction. dvise you wht will hppen next uthorise you to undertke ny emergency mesures necessry to secure your proeprty or prevent further loss or dmge. In the event of home emergency You my use the 24 hour helpline following n emergency in the home for which trdesmn s ssistnce is required. The helpline will source nd deploy n pproved trdesmn to your home. We will py the following: the cll out chrge nd the cost of up to 2 hours lour; the cost of prts nd mterils up to mximum of 500 (including VAT); nd in ll up to 1,500 (including VAT). Where pproprite, we my sustitute deploying trdesmn with the provision of technicl dvice over the phone giving you the mens to rectify the prolem yourself. Simply phone nd when prompted quote Domestic Helpline. It is importnt tht you re fmilir with your clims duties, which re shown elow. Your duties 1. You must notify the Clims Tem s soon s resonly possile giving full detils of wht hs hppened. 2. You must provide the Clims Tem with full detils of wht hs hppened within 30 dys nd provide ny other informtion we my resonly require including proof of ownership nd vlue. 3. You must inform the Police s soon s resonly possile following mlicious cts, violent disorder, riots or civil commotion, theft, ttempted theft or loss of property. 4. You must immeditely forwrd to the Clims Tem, if clim for liility is mde ginst you, ny letter, clim, writ, summons or other legl document you receive. 5. You must not dmit liility or offer or gree to settle ny clim without our written permission. If you fil to comply with ny of the ove duties, your clim my not e pid. 8 Septemer 2014

11 9 Generl exclusions A Aircrft pressure wves We will not py for loss, destruction or dmge directly occsioned y pressure wves cused y ircrft nd other eril devices trvelling t sonic or supersonic speeds. B Biologicl, chemicl, or nucler contmintion We will not py for 1 loss or destruction of or dmge to ny property whtsoever, or ny loss or expenses whtsoever resulting or rising therefrom; 2 ny legl liility of whtsoever nture; or 3 deth or injury to ny person directly or indirectly cused y or contriuted to y or rising from iologicl or chemicl contmintion due to or rising from i ii terrorism; nd/or steps tken to prevent, suppress, control or reduce the consequences of ny ctul, ttempted, thretened, suspected or perceived terrorism. For the purposes of this exclusion terrorism mens ny ct(s) of ny person(s) or orgnistion(s) involving the cusing, occsioning or thretening of hrm of whtever nture nd y whtever mens; or putting the pulic or ny section of the pulic in fer in circumstnces in which it is resonle to conclude tht the purpose(s) of the person(s) or orgnistion(s) concerned re wholly or prtly of politicl, religious, ideologicl or similr nture. C D E F G Electronic dt We will not py for 1 loss or destruction of or dmge to ny property whtsoever, or n loss or expenses whtsoever resulting or rising therefrom; or 2 ny legl liility of whtsoever nture directly or indirectly cused y or contriuted to, y or rising from i computer viruses, ersure or corruption of electronic dt; or ii the filure of ny equipment to correctly recognise the dte or chnge of dte. Existing nd delierte dmge We will not py for loss or dmge 1 occurring efore cover strts or rising from n event efore cover strts; 2 cused deliertely y you or ny person leglly residing t the premises nmed in the schedule; or 3 for ny indirect losses which result from the incident tht cused you to clim. Rdioctive contmintion nd explosive nucler ssemlies We will not py for 1 loss or destruction of or dmge to ny property whtsoever, or n loss or expenses whtsoever resulting or rising therefrom; or 2 ny legl liility of whtsoever nture directly or indirectly cused y or contriuted to, y or rising from i ionising rditions or contmintion y rdioctivity from ny nucler fuel or from ny nucler wste from the comustion of nucler fuel; or ii the rdioctive, toxic, explosive or other hzrdous properties of ny explosive nucler ssemly or nucler component thereof. Wr We will not py for ny loss or dmge or liility directly or indirectly occsioned y, hppening through or in consequence of wr, invsion, cts of foreign enemies, hostilities (whether wr e declred or not), civil wr, reellion, revolution, insurrection, militry or usurped power or confisction, ntionlistion, requisition or destruction of or dmge to property y or under the order of ny government or pulic or locl uthority. Indirect loss or dmge We will not py for ny loss or dmge tht is not directly ssocited with the incident tht cused you to clim, unless expressly stted in this insurnce. 9 Septemer 2014

12 10 Section One Buildings Plese red your schedule to see if this section pplies. Wht is covered. This insurnce covers the uildings for loss or dmge. Wht is not covered. We will not py for loss or dmge directly or indirectly cused y or rising from 1 conversions, extension or other structurl work to the uildings or ny works involving the use or ppliction of het; 2 wrping, shrinking or norml settlement or collpse; 3 moth, vermin, wer nd ter, infesttion, corrosion, dmp, wet or dry rot, mould or frost or nything which hppens grdully; 4 misuse or fulty design, workmnship or mterils; 5 dryness, dmpness, extremes of temperture or exposure to light 6 your domestic nimls chewing, scrtching, tering or fouling; or 7 pollution or contmintion of ny kind other thn s result of oil escping from fixed domestic heting instlltion t the premises. c d e for the cost of generl mintennce, electricl or mechnicl fults or rekdown. for loss or dmge cused y storm, flood or weight of snow to gtes, fences nd hedges. for loss or dmge cused y frost other thn to fixed wter tnks, pprtus or pipes. for loss or dmge while the uildings re not furnished enough to e normlly lived in unless the loss or dmge is cused y 1 fire, lightening, explosion or erthquke; 2 ircrft nd other flying devices or items dropped from them; 3 storm, flood or weight of snow; 4 ny vehicle or niml hitting the uilding; or 5 susidence or heve of the site upon which the uildings stnd or lndslip. 10 Septemer 2014

13 11 Section One Buildings (continued) Wht is covered. This insurnce covers the uildings for loss or dmge. Wht is not covered. We will not py f for loss or dmge cused y susidence or heve of the site on which the uildings stnd or lndslip 1 to domestic fixed fuel tnks, swimming pools, tennis courts, drivewys, footpths, ptios nd terrces, wlls, gtes, fences nd hedges, permnently-instlled hot tus nd wind turines unless the privte dwelling is lso ffected t the sme time y the sme event; 2 to solid floor, unless the wlls of the privte dwelling re dmged t the sme time y the sme event; 3 if compenstion hs een provided for (or would hve een if it wsn t for this insurnce) under ny contrct or gurntee or y lw; 4 while the uildings re undergoing ny demolition, ltertion, extension or repirs; 5 due to fulty design, workmnship or mterils; or 6 s result of the cost or rivernk wering wy. g h for loss or dmge cused y frost to permnently instlled hot tus. for loss or dmge where you sign n greement with contrctor which needs specific or joint insurnce without getting our greement first. 11 Septemer 2014

14 12 Section One Buildings (continued) Wht is covered. This section of the insurnce lso covers the following. Wht is not covered. We will not py A 1 Loss of rent due to you nd ground rent pyle to you which you cnnot recover; nd 2 the extr costs of using other ccommodtion, for you nd your domestic nimls, s similr to your existing ccommodtion s possile which you hve to py while the uildings cnnot e lived in following loss or dmge tht is covered under Section One. 3 the extr costs for up to 60 dys of other ccommodtion for you nd your domestic nimls, s similr to your existing ccommodtion s possile, due to locl or police uthority preventing you from living in your home ecuse of loss or dmge to neighouring property. for loss of rent for more thn 60 months. for the extr costs of other ccommodtion for more thn 60 months. If you clim for costs of other ccommodtion under Sections One nd Two, we will not py for costs of other ccommodtion for period of more thn 60 months in totl. B C During the period of insurnce, for ny costs which you hve to py for finding the source of ny wter or oil which hs escped from ny fixed tnks, pprtus, pipes or ny fixed domestic heting instlltion. Up to 50,000 during the period of insurnce, for incresed metered wter chrges you hve to py fter wter escpes, which gives rise to clim we ccept under Section One. more thn 50,000 for wter lek outside the home if you clim for loss under Sections One nd Two, we will not py more thn 50,000 in totl during the period of insurnce. D Costs you hve to py to restore your grden following loss or dmge y fire, lightening, explosion, erthquke, ircrft nd other flying devices, theft or ttempted theft, or dmge cused y mlicious people or the emergency services. for more thn 2,500 for ny plnt, tree or shru. for more thn 10% of the uildings sum insured during the period of insurnce. E Anyone uying your home who will hve the enefit of Section One until the sle is completed or the insurnce ends, whichever is sooner. if the uildings re insured under ny other insurnce. 12 Septemer 2014

15 13 Section One Buildings (continued) Wht is covered. This section of the insurnce lso covers the following. Wht is not covered. We will not py F Expenses you hve to py nd which we hve greed in writing for 1 rchitects, surveyors, consulting engineers, lnd gents nd legl fees; 2 the cost of removing deris nd mking the uilding sfe; nd 3 costs you hve to py to keep to ny government or locl uthority requirements for ny expenses for prepring clim or n estimte of loss or dmge; or for ny costs if government or locl uthority requirements hve een served on you efore the loss or dmge. following loss or dmge to the uildings which is covered under Section One. G Up to 25% of the uildings sum insured for ny one clim for loss or dmge to new fixtures nd fittings, fitted furniture nd fitted pplinces within the home which re witing to e instlled, s long s you let us know within 21 dys of delivery. for ny loss or dmge cused while instlling the fixtures nd fittings; or for property left in the open. H 1 Up to 15,000 in ny one period of insurnce towrds the cost of upgrding your lrm nd security systems following physicl criminl ssult on you t the home. for ny cost unless you otin our greement first; or following ny domestic disputes. I J K 2 In ddition, we will lso py up to 2,500 for professionl privte counselling fees following physicl criminl ssult on you t the home. Up to 25,000 in ny one period of insurnce towrds essentil ltertions to the home following n identifile, permnent physicl injury to you cused y sudden nd unexpected ccident hppening within the home. Up to 10% of the uildings sum insured following loss or dmge tht is covered under Section One in ny one period of insurnce to permnent fixtures removed from the uildings for up to 60 dys for repir, restortion or sfekeeping. Up to 2,500 towrds the cost of repiring your home s result of loss or dmge following forcile entry to your home to ttend medicl emergency. for ny cost unless you otin our greement first. for loss or dmge of ny item of fixtures eing trnsported unless it is suitly pcked nd secured, given the nture of the item nd how it is eing trnsported. for ny mount over 50, Septemer 2014

16 14 Conditions tht pply to Section One Buildings only Settling clims How we del with your clim 1 If your clim for loss or dmge is covered under Section One, we will py the full cost of the repir s long s the uildings were in good stte of repir immeditely efore the loss or dmge; nd the dmge hs een repired or loss hs een reinstted. We will tke n mount off for wer nd ter from the cost of ny replcement or repir if immeditely efore the loss or dmge the uildings were not in good repir. 2 Where you hve professionl vlution for your home, completed within the lst five yers, tht we hve seen nd pproved nd the sums insured reflect this, tking into considertion n mount for index linking, we will py for the cost of reuilding or repiring dmge tht is covered under this insurnce. We will only do this if you tell us out ny dditions, ltertions or improvements you hve mde since the vlution ws crried out nd you hve mended the sum insured to tke into ccount ny such dditions, ltertions or improvements. We will not offer this cover if your home is grde 1 or grde A listed. 3 In the event the uildings of your home re dmged eyond economicl repir, nd permission to reuild is refused y your locl uthority, we gree to py up to 125% of the reuilding cost of your home to help you purchse similr property in the sme re, suject to the sum insured shown in your schedule corresponding to professionl vlution, completed within the lst five yers, tht we hve seen nd pproved. If loss is pid under this insurnce, you will ssign ll title to the premises to us nd py us, in ddition, ll monies you my receive s slvge. 4 We will deduct the pplicle excess from the greed settlement of your clim s shown on pge 7. Your sum insured 5 We will not reduce the sum insured under Section One fter we hve pid clim s long s you gree to crry out our recommendtions to prevent further loss or dmge. Limit of insurnce 6 We will not py more thn the sum insured for ech premises shown in the schedule other thn in ccordnce with condition 2 nd 3 ove. 14 Septemer 2014

17 15 Section Two Contents Plese red your schedule to see if this section pplies. Wht is covered. This insurnce covers the contents for loss or dmge while t the home nd, s long s these re not lredy insured, while they re temporrily wy from the home nywhere in the world. Wht is not covered. We will not py for loss or dmge directly or indirectly cused y or rising from 1 conversions, extensions or other structurl work to the uildings or ny works involving the use or ppliction of het; 2 moth, vermin, wer nd ter, infesttion, corrosion, dmp, wet or dry rot, mould or frost or nything which hppens grdully; 3 misuse or fulty design, workmnship or mterils; 4 dryness, dmpness, extremes of temperture or exposure to light; 5 your domestic nimls chewing, scrtching, tering or fouling; 6 dyeing, clening, repiring, renovting, restortion or eing worked on; or 7 pollution or contmintion of ny kind. c d for the cost of generl mintennce. for loss or dmge cused y mechnicl or electricl fults or rekdown. for loss or dmge cused y susidence or heve of the site upon which the uildings stnd or lndslip 1 to solid floors, unless the wlls of the privte dwelling re dmged t the sme time y the sme event; 2 if compenstion hs een provided (or would hve een, if it wsn t for this insurnce), under ny contrct or gurntee or y lw; 3 while the uildings re undergoing ny demolition, ltertion, extension or repirs; 4 due to fulty design, workmnship or mterils; or 5 s result of the cost or rivernk wering wy. e for loss or dmge which we specificlly exclude elsewhere under Section Two. f for loss or dmge to ny item eing trnsported, unless it is suitly pcked nd secured, given the nture of the item nd how it is trnsported. 15 Septemer 2014

18 16 Section Two Contents (continued) Wht is covered. This section of the insurnce lso covers the following. Wht is not covered. We will not py A B C Accidentl rekge of 1 fixed glss nd doule glzing; nd 2 snitry wre forming prt of the uildings which you re leglly responsile for s tennt nd do not hve other insurnce for. Rent you hve to py s occupier if the uildings cnnot e lived in following loss or dmge tht is covered under Section Two. The extr costs of using other ccommodtion for you nd your domestic nimls, s similr to your existing ccommodtion s possile, which you hve to py for if the uildings cnnot e lived in following loss or dmge tht is covered under Section Two. rent for more thn 60 months. for the extr costs of other ccommodtion for more thn 60 months. If you clim for costs of other ccommodtion under Sections One nd Two, we will not py for costs of other ccommodtion for period of more thn 60 months in totl. D You for your incresed cost of crrying on your home office usiness cused only nd directly y the following. Loss or dmge to your uildings or usiness contents which is covered under this insurnce; or ccidentl filure in the supply of gs, wter, electricity or telephone service to your home for more thn 72 consecutive hours during the period of insurnce. Cover will strt from the dte on which the loss or dmge hppens or the service interruption strts. It will continue until you re le to strt work t your home gin ut no longer thn 12 months. The mount we py will e the extr necessry nd resonle costs you hve to py to continue your home office usiness, less ny svings which result from the reduced costs nd expenses during the time your work is interrupted. for ny mount over 25,000; or for ny incresed cost of crrying on your home office usiness directly or indirectly cused y or resulting from n ct of terrorism. E Your legl responsiility s tennt for loss or dmge to the uildings cused y loss or dmge tht is covered under Section Two.. for ny mount over 1,000,000.. for loss or dmge cused y fire, lightning or explosion to the uildings other thn to the lndlords fixtures nd fittings. c. for loss or dmge rising from susidence, heve or lndslip. 16 Septemer 2014

19 17 Section Two Contents (continued) Wht is covered. This section of the insurnce lso covers the following. Wht is not covered. We will not py F Up to 25,000 during the period of insurnce for wedding, nniversry, irthdy, religious or other celertion gifts ought y you ut not yet given (or which hve een ought for you). for loss or dmge which we specificlly exclude elsewhere under Section Two. G H Up to 25% of the contents sum insured for new items you hve ought ut which you hve not told us out yet. Ftl injury to you cused y fire t the premises or ssult elsewhere within the United Kingdom provided tht deth ensues within twelve months of injury. We will py 1 125,000 for ech insured person over 16 yers; nd 2 5,000 for ech person under 16 yers t the time of their deth for loss or dmge which we specificlly exclude elsewhere under Section Two. fter 60 dys of uying the item if you hve not told us out doing so. I J K L M N O Costs you hve to py for replcing locks to sfes, lrms nd outside doors nd windows in the home following theft or loss of keys. Up to 50,000, during the period of insurnce, for incresed metered wter chrges you hve to py fter wter escpes, which gives rise to clim we ccept under Section Two. Personl property of guests up to 5,000 for ech person nd personl property of domestic stff (who do not live in the property) up to 2,500 for ech person. Up to 30,000 during the period of insurnce, for loss or dmge to mrquees nd ssocited equipment, which re eing temporrily loned to you nd for which you re responsile, while t the premises Up to 7,500 during the period of insurnce, for loss or dmge to the elongings of your prents or grndprents who re living in residentil nursing or cre home. Up to mximum of 25,000 rnsom if you re the victim of kidnp during the period of insurnce. Contents of your refrigertor nd or freezer cused y their ccidentl filure. if you clim for loss under Sections One nd Two, more thn 50,000 in totl during the period of insurnce. c c for losses which hppen wy from the premises. for loss or dmge which we specificlly exclude elsewhere under Section Two. more thn 750 for ny one item. if there is ny other insurnce in plce. for loss or dmge which we specificlly exclude elsewhere under Section Two. if you fil to keep to the mnufctures or owners writte instructions. for ny mount over 1,000 for vlules. for money nd credit crds. For kidnp expenses incurred due to ny kidnp nd rnsom occurrence cused y you, fmily memer or covered reltive, whether cting lone or in collusion with others. for loss or dmge which we specificlly exclude elsewhere under Section Two. P Contents elonging to permnent memers of the home whilst temporrily wy in full time edidction. c d for loss dmge or liility in the United Sttes of Americ or Cnd. for loss or dmge we specificlly exclude elsewhere under Section Two. for money or credit crds. if there is ny other insurnce in plce. 17 Septemer 2014

20 18 Conditions tht pply to Section Two Contents only Settling clims How we del with your clim 1 If you clim for loss or dmge to the contents, we will repir, replce or py for ny item covered under Section Two. 2 Where you hve professionl vlution, crried out within the lst three yers, which hs een pproved y us nd the sums insured reflect this, tking into considertion n mount for index linking, we will py the cost of replcement or repir for dmge up to 150% of the sum insured mentioned within the vlution. 3 We will deduct the pplicle excess from the greed settlement of your clim s shown on pge 7. Your sum insured 4 We will not reduce the sum insured under Section Two fter we hve pid clim s long s you gree to crry out our recommendtions to prevent further loss or dmge. Limit of insurnce 5 We will not py ny more thn the sum insured for ech premises shown in the schedule other thn in ccordnce with condition 2 ove. 18 Septemer 2014

21 19 Section Three Accidents to domestic stff Plese red your schedule to see if this section pplies. This Section pplies only if the contents re insured under Section Two. Wht is covered. We will py for mounts you ecome leglly lile to py, including costs nd expenses which we hve greed in writing, for odily injury y ccident hppening during the period of insurnce nywhere in the world to your domestic stff employed in connection with the premises shown in the schedule. Wht is not covered. We will not py for odily injury rising directly or indirectly from ny motorised or horse-drwn vehicle other thn domestic grden equipment used within the premises; nd pedestrin-controlled grden equipment, electric wheelchirs or items designed for child s use whilst elsewhere. c from ny communicle disese or condition. in Cnd or the United Sttes of Americ fter the totl period of sty in either or oth countries hve exceeded 60 dys in the period of insurnce. Limit of insurnce We will not py more thn 10,000,000 for ny ccident or series of ccidents rising out of ny one event, plus the costs nd expenses which we hve greed to in writing. 19 Septemer 2014

22 20 Section Four Legl liility to the pulic Plese red your schedule to see if this section pplies. Prt A Prt A of this section pplies in the following wy. If the uildings only re insured, your legl liility s owner only ut not s occupier is covered under Prt A i elow. If the contents only re insured, your legl liility s occupier only ut not s owner is covered under Prt A i nd Prt A ii elow. If the uildings nd contents re insured, your legl liility s owner or occupier is covered under Prt A i nd Prt A ii elow. Wht is covered. We will py you Wht is not covered. We will not py you for ny liility i OR ii s owner or occupier for ny mounts you ecome leglly lile to py s dmges for odily injury; or dmge to property cused y n ccident hppening t the premises during the period of insurnce. s privte individul for ny mounts you ecome leglly lile to py s dmges for odily injury; or dmge to property c d for odily injury to 1 you; 2 ny other permnent memer of the home; or 3 ny person who t the time of sustining such injury is engged in your service. for odily injury rising directly or indirectly from ny communicle disese or condition. for dmge to property owned y or in the chrge or control of 1 you; 2 ny other permnent memer of the home; or 3 ny person engged in your service. in Cnd or the United Sttes of Americ fter the totl period of sty in either or oth countries hve exceeded 60 dy in the period of insurnce. cused y n ccident hppening nywhere in the world during the period of insurnce. e rising directly or indirectly out of ny mnul usiness or employment other thn incidentl frming. f which you hve ssumed under contrct nd which would not otherwise hve ttched. g rising out of ny criminl cts. 20 Septemer 2014

23 21 Section Four Legl liility to the pulic (continued) Prt A Wht is covered. Wht is not covered We will not py for ny liility h i j k l rising out of your ownership, possession or use of 1 ny motorised vehicle other thn qudikes, golf uggies, domestic grdening equipment, motorised wheelchirs or moility scooters nd motorcycles under 51cc provided tht you, or someone cting with your permission, re not using them on ny pulic rod where the Rod Trffic Act or similr legisltion sys you must insure them. For the vehicles listed in the exception we will not py more thn 5,000,000 for ny one ccident or series of ccidents rising out of ny event, plus the costs nd expenses which we hve greed in writing. 2 ny ircrft or wtercrft other thn mnully operted rowing ots, punts or cnoes, silords or dinghies under 15 feet. 3 ny niml other thn incidentl frming livestock or horse or domestic pet, provided such pet is not dog treted s dngerous under the Dngerous Dogs Act 1991 or similr legisltion. 4 ny power operted lift. in respect of ny kind of pollution or contmintion other thn 1 cused y sudden, identified ccident which hppens in it s entirety t specific moment of time during the period of insurnce t the premises nmed in the schedule; nd 2 reported to us not lter thn 30 dys from the end of the period of insurnce in which cse ll such pollution or contmintion rising out of such ccident shll e deemed to hve hppened t the time of such ccident. rising out of your ownership, occuption, possession or use of ny lnd or uilding tht is not within the premises. if you re entitled to indemnity under ny other insurnce, including ut not limited to ny horse or trvel insurnce, until such insurnce(s) is exhusted. rising out of ny goods or products designed, constructed, mnufctured, ltered, repired, serviced, treted, sold, supplied or distriuted y you. 21 Septemer 2014

24 22 Section Four Legl liility to the pulic (continued) Prt B Wht is covered. Wht is not covered. We will py for sums which you hve een wrded y court in the United Kingdom nd which still remin outstnding three months fter the wrd hs een mde provided tht 1 Prt A ii of this section would hve pid you hd the wrd een mde ginst you rther thn to you; 2 there is no ppel pending; nd 3 you gree to llow us to enforce ny right which we shll ecome entitled to upon mking pyment. Prt C Wht is covered. We will py for Wht is not covered. We will not py ny mount you ecome leglly lile to py under section 3 of the Defective Premises Act 1972 or Article 5 of the Defective Premises (Northern Irelnd) Order 1975 in connection with ny home previously owned nd occupied y you. for ny liility if you re entitled to pyment under ny other insurnce. for the cost of repiring ny fult or lleged fult. Limit of insurnce We will not py in respect of pollution or contmintion. More thn 10,000,000 in ll. in respect of other liility covered under Section Four. More thn 10,000,000 for ny one ccident or series of ccidents rising out of ny one event, plus the costs nd expenses which we hve greed in writing, other thn under Prt B where we will not py more thn 5,000,000 ny one event. 22 Septemer 2014

25 23 Section Five Vlules, ntiques nd works of rt, gold nd silver Plese red your schedule to see if this section pplies Wht is covered. Wht is not covered. This section of the insurnce covers the following. We will not py A B Vlules listed in the schedule (or specifiction ttched) ginst loss or dmge nywhere in the world; 1 ntiques nd works of rt listed in the schedule (or specifiction ttched); nd 2 gold nd silver listed in the schedule (or specifiction ttched) ginst loss or dmge within the home nd, s long s these re not lredy insured, while they re temporrily wy from the home nywhere in the world. c d e for loss or dmge directly or indirectly cused y or rising from 1 moth, vermin, wer nd ter, infesttion, corrosion, dmp, wet or dry rot, mould or frost or nything which hppens grdully; 2 misuse or fulty design, workmnship or mterils; 3 dryness, dmpness, extremes of temperture or exposure to light; 4 your domestic nimls chewing, scrtching, tering or fouling; 5 dyeing, clening, repiring, renovting, restortion or eing worked on; or 6 pollution or contmintion of ny kind. for loss or dmge cused y mechnicl or electricl fults or rekdown. for loss or dmge to ny item eing trnsported unless it is suitly pcked nd secured, given the nture of the item nd how it is eing trnsported. more thn 15,000 in respect of ny one item of vlules or gold nd silver unless otherwise stted in the schedule. more thn 30,000 in respect of ny one item of ntiques nd works of rt unless otherwise stted in the schedule. 23 Septemer 2014

26 24 Section Five Vlules, ntiques nd works of rt, gold nd silver (continued) Wht is covered. Wht is not covered. We will not py This section of the insurnce lso covers the following. A We will cover new items you hve ought ut which you hve not told us out yet. c for loss or dmge which we specificlly exclude elsewhere under Section Five. more thn 25% of the sum insured under this section for vlules, gold nd silver nd ntiques nd works of rt. fter 60 dys of purchse if you hve not told us out uying the item. B We will utomticlly increse the insured vlue of ny item listed in the specifiction for works of rt y up to 200% if the rtist dies during the period of insurnce. We will only do this for the 6 months immeditely following the deth of tht rtist. c more thn 100,000 in totl during ny one period of insurnce. for loss or dmge which we specificlly exclude elsewhere under Section Five. if you re unle to provide professionl vlution or purchse receipt nd proof of incresed vlue which is less thn three yers old t the time of ny loss or dmge. C If during the period of insurnce, someone clims tht ny item listed in the specifiction for ntiques nd works of rt is not rightfully yours nd you re leglly oliged to return the item to its rightful owner ecuse it is proved tht you do not hve good title to it, we will py you the mount you pid for it or the vlue shown in the specifiction if this is less. c d more thn 100,000 in totl during ny one period of insurnce. unless you prove tht you mde enquiries out where the item cme from efore you ought it. unless you ought the item during the period tht the ntiques nd works of rt hve een insured with us. unless you told us out clim during the period of insurnce. D Where your schedule sttes tht vlules re insured in your nk, we gree to cover them up to mximum of 50,000 for loss or dmge whilst temporrily removed from your nk or sfe deposit for up to 30 dys in ny one period of insurnce without our prior greement. for loss or dmge 1 unless you hve professionlly instlled sfe t the home; or 2 unless items re worn, in your custody nd control or in the sme room s you, t the time tht loss or dmge tkes plce. 24 Septemer 2014

27 25 Conditions tht pply to Section Five Vlules, ntiques nd works of rt, gold nd silver only How we del with your clim 1 Vlules We will repir replce or py for ny item tht is lost or dmged. Where you hve professionl vlution, crried out within the lst three yers, which hs een pproved y us for specified item (nd which is specified for the correct vlue), we will py the cost or replcement or repiring ny dmge up to 150% of the item s specified vlue. 2 Gold nd silver, ntiques nd works of rt In the event of prtil loss or dmge, we will py ll costs nd expenses you hve necessrily incurred, with our consent, in restoring the item(s) dmged plus ny resulting deprecition in vlue ut not more thn the sum insured for the dmged item(s). In the event of totl loss or destruction of item(s), we will py the sum insured for such item(s) or their mrket vlue t the time of loss, whichever is the less. Where you hve professionl vlution, crried out within the lst three yers, which hs een pproved y us for specified item (nd which is specified for the correct vlue), we will py the cost of replcement or repiring ny dmge up to 150% of the item s specified vlue. 3 Vlules, gold nd silver, ntiques nd works of rt If, following clim, you cn produce professionl vlution (not more thn five yers old) which hs een pproved y us, nd is dted prior to the loss, we will tret the sum insured s utomticlly greed. 4 We will deduct the pplicle excess from the greed settlement of your clim s shown on pge 7. Limit of insurnce 5 We will not py more thn the sum(s) insured shown in the schedule unless we gree otherwise. 25 Septemer 2014

28 26 Section Six Legl Expenses Plese red your schedule to see if this section pplies. Additionl definitions to this Section. The definitions pplying to the whole policy s stted in pges 3 to 5 shll include the following in respect of this section only. Collective conditionl fee greement Conditionl fee greement Dte of occurrence Employee Seprte greement etween us nd the nominted representtive for pying his or her professionl fees which is n enforcele conditionl fee greement within the mening of section 58, 58A, Courts nd Legl Services Act 1990, the formt nd contents of which hve een greed to y us efore it is entered into. Seprte greement etween you nd the nominted representtive for pying his or her professionl fees which is n enforcele conditionl fee greement within the mening of section 58, 58A, Courts nd Legl Services Act 1990, such greement only to e in the form provided y us. For clims involving criminl ct rought under insured incident 6, the dte when it is lleged you egn the criminl ct. For clims rought under insured incident 7, the dte tht you were first notified y HM Revenue & Customs tht n extensive exmintion is to tke plce. For ll other clims, the dte t which the cuse of ction first rose. A person employed y you to crry out domestic duties for your household. Geogrphicl limits 1 For insured incidents prgrphs 1 nd 2 the Europen Union, the Chnnel Islnds, the Isle of Mn, Alni, Andorr, Bosni-Herzegovin, Croti, Girltr, Icelnd, Liechtenstein, Mcedoni, Monco, Montenegro, Norwy, Sn Mrino, Seri, Switzerlnd nd Turkey (west of the Bosphorus). 2 For insured incidents not referred to in 1 ove - the United Kingdom. Goods Legl dvice service Contents s descried in the definitions pplying to the whole policy document. Legl dvice service provided on our ehlf which my e contcted y telephoning the numer t the end of this section. 26 Septemer 2014