Saga Home Insurance Premier Your Policy Booklet

Transcription

1 Saga Home Isurace Premier Your Policy Booklet

2 Cotets All about Saga Home Isurace Welcome to Saga Home Isurace 3 Your cover at a glace 4 Coverig your home from top to bottom 6 Some other iformatio you eed to kow 8 Your policy i detail Itroductio 11 Specific policy words ad what they mea 12 Buildigs Premier cover 15 Cotets Premier cover 18 Persoal Belogigs Cover Uspecified items 26 Optioal cover Persoal Belogigs Cover Specified items 27 Pedal Cycles Outside the Home Cover 28 Garde Cover 29 Legal Expeses Cover Cotets How to make a claim 40 How to make a claim Geeral Coditios 41 How much we will pay 42 Geeral Exceptios 44 Geeral Coditios 45 Help ad advice from Saga 47 Protectig your property 48 Saga Services Limited has arraged for Saga Home Isurace to be isured by the isurer(s) amed o your Schedule, with the exceptio of Legal Expeses Cover, which is uderwritte by Acromas Isurace Compay Limited, Lie Wall Road, Gibraltar; Registered Number (Gibraltar). Acromas Isurace Compay Limited is authorised by the Fiacial Services Commissio, Gibraltar. Acromas Isurace Compay Limited is a member of the Associatio of British Isurers. These details ca be checked o the FCA s register by visitig the FCA s website at or by callig

3 Welcome to Saga Home Isurace Thak you for takig out home isurace with Saga. This booklet, together with your policy Schedule ad ay edorsemets, cotais all the iformatio you eed to kow about your Saga Home Isurace policy ad we hope you fid it easy to uderstad. O the followig pages you ll fid a overview of our buildigs ad cotets isurace alog with a diagram showig some of the situatios you are covered for. Please check this to make sure the policy you have chose is appropriate for your eeds. There s some other iformatio we eed to tell you, such as what to do if you re ot happy with your policy, what we do with your persoal iformatio ad how we are doig our best to combat fraud. You ca fid this iformatio o pages Next we tell you more specific iformatio about your policy, icludig a explaatio of words that have particular meaigs i this booklet, before gettig dow to the real detail of exactly what you ca ad ca t claim for. There are some thigs that we always exclude from cover ad these are show i the Geeral Exceptios o page 44; while the Geeral Coditios that follow explai what you eed to do to esure you have the full protectio of your policy. Some of the cover detailed i this booklet is optioal ad therefore ot automatically icluded i your policy. Please refer to your Schedule to see whether you have chose it. If ot, ad you would like to do so, we will be happy to give you a quote. Fially, if you eed to make a claim o your policy, you ca fid details of how to do so o page 40. Roger Ramsde Chief Executive Saga Services Ltd Welcome to Saga Home Isurace 3

4 Your cover at a glace What s covered Maximum amout payable What s covered Maximum amout payable Buildigs Premier cover Rebuildig ad repair costs Sum isured show o policy Schedule Property ower s liability 2,000,000 Alterative accommodatio Up to buildigs sum isured Trace ad access of a water or oil leak Up to buildigs sum isured Accidetal damage Up to buildigs sum isured Emergecy etry Up to buildigs sum isured Lock replacemet Up to buildigs sum isured Damage caused by pets Up to buildigs sum isured Replacemet of matchig pairs ad sets Up to buildigs sum isured Compulsory evacuatio Up to buildigs sum isured Cotets Premier cover New for old cover for cotets Sum isured show o policy Schedule Alterative accommodatio Up to cotets sum isured Replacemet of matchig pairs ad sets Up to cotets sum isured Theft by bogus officials 250 Liability to others 2,000,000 Accidetal damage Religious festivals Weddigs, civil parterships, birthdays or aiversaries Up to cotets sum isured 20% icrease o cotets sum isured durig the moth of ay religious festival 20% icrease o cotets sum isured for oe moth before ad oe moth after Visitors persoal belogigs 1,000 Cotets i the ope 1,000 Lock replacemet Up to cotets sum isured Hedges, laws, trees, shrubs ad plats 1,000 Persoal moey ad credit cards 500 Froze food Up to cotets sum isured Oil ad metered water Up to cotets sum isured Busiess equipmet 5,000 Deeds ad documets 2,500 Damage caused by pets Up to cotets sum isured 4 Your cover at a glace

5 What s covered Maximum amout payable What s covered Maximum amout payable Medical equipmet o loa 5,000 Carers persoal belogigs 250 Liability to domestic employees 10,000,000 Urecovered court awards 2,000,000 (plus other costs ad expeses we have agreed to) Jury service 1,000 ( 25 per day) Movig home cover for ew home Up to 5,000 for furiture, soft furishigs ad kitche appliaces i your ew home Fatal ijury 5,000 Improvemets you make as a teat Up to 10% of cotets sum isured Liability as a teat Up to 10% of cotets sum isured Studet cover 5,000 Persoal Belogigs Cover Uspecified items aywhere i the world 5,000 with 1,000 per idividual item, pair or set. Trauma cover Expeses followig a violet crime: Cousellig fees 500 Temporary accommodatio or security improvemet 500 Necessary coveyacig, removal ad estate agecy fees 5,000 Reward for iformatio followig theft or violece 500 Permaet disability followig a accidet i the home 30,000 for ecessary alteratios Additioal cover optios Persoal Belogigs Cover Specified Up to amout show o policy Schedule items Pedal Cycles Outside the Home Cover Up to amout show o policy Schedule Garde Cover Professioal garde desig fees ad expeses 2,500 Loss or damage to your garde 1,500 Cotets i the ope 2,000 Legal Expeses Cover 100,000 Your cover at a glace 5

6 Coverig your home from top to bottom The cost of alterative accommodatio if the property caot be lived i durig repairs up to sum isured New for old cotets cover, icludig clothig ad lie You are isured agaist water damage caused by leakig or overflowig domestic drais, water or heatig istallatios, kitche appliaces ad fixed domestic water istallatios Cost of replacig ew locks or mechaisms up to cotets sum isured Cover of up to 1,000 for loss or damage to hedges, laws, trees, shrubs ad plats you ow withi the property boudary. 6 Coverig your home from top to bottom

7 Cover for damage to your desktop computer up to cotets sum isured Trace, access ad repair of a water or oil leak up to buildigs sum isured Cover for cotets i your domestic garage or outbuildigs at the property up to cotets sum isured Cover for accidetal damage to your televisio up to cotets sum isured Persoal moey ad credit cards up to 500 Coverig your home from top to bottom 7

8 Some other iformatio you eed to kow Our customer service commitmet to you Saga aims to provide you with high levels of service at all times. However, if you feel that our service has falle below the stadard you expect ad you wat to complai, we will do our best to sort it out quickly. If you have a query or a complait please see your Schedule where you will fid our cotact telephoe umbers as well as our address details if you prefer to write to us. What happes whe it s time to reew your policy We will sed you a reewal ivitatio aroud 21 days before your reewal date, which will iclude your premium for the ext year. If you origially paid for your policy by Direct Debit, or by cotiuous authority credit card or debit card, we will automatically reew your policy usig these paymet details, so you do t eed to do aythig if you wat to reew your policy. However, if you do t wat to reew, or you wat to chage your paymet method, you will eed to cotact us o You will also eed to cacel your Direct Debit madate with the bak. How we use your persoal iformatio The iformatio you have give us ad/or Saga will be held ad used to maage your isurace policy, which will iclude both uderwritig ad claim hadlig. For this purpose we ad/or Saga may disclose it to other iterested third parties, for example other isurers, regulatory authorities ad agets who provide services o our behalf. By acceptig this policy you coset to our processig persoal data icludig sesitive data about you ad other persos who may be isured uder the policy. You uderstad that all persoal data you give to us ad/or Saga must be accurate ad that you have the specific coset of those other persos to disclose their persoal data. If you cotact us ad/or Saga electroically, we ad/or Saga may store your Iteret Protocol (IP) address or your telephoe umber supplied by your service provider. Isurers pass iformatio to the Claims ad Uderwritig Exchage Register (CUE), ru by Isurace Database Services Ltd. We ad/or Saga may search this register as this helps us ad/or Saga to check iformatio provided ad to prevet fraudulet claims. We ad/or Saga may also udertake credit searches ad additioal fraud searches. Uder the coditios of your policy you must tell us ad/or Saga about ay icidet (such as a fire, water damage or theft) which may or may ot give rise to a claim. Whe you tell us ad/or Saga about a icidet we ad/or Saga will pass iformatio relatig to it to the register. If false or iaccurate iformatio is provided ad fraud is idetified, details will be passed to fraud prevetio agecies to prevet fraud ad moey lauderig. Further details explaiig how the iformatio held by the fraud prevetio agecies may be used ca be obtaied uder the fair processig otices provided i the combatig fraud sectio below. We ad/or Saga will esure that ay persoal data you provide will be held securely ad i accordace with the Data Protectio Act Sometimes data may be trasferred outside the Europea Ecoomic Area to a third party provider of goods or services that you have requested ad which operates outside of that jurisdictio. Ay such data will be held securely ad to similar stadards as 8 Some other iformatio you eed to kow

9 required uder the Data Protectio Act Your calls may be moitored ad recorded i order that the service may be improved ad to help prevet ad detect fraud. We ad/or Saga may check iformatio provided or received ad we ad/or Saga may also udertake additioal fraud searches. To assess your isurace applicatio ad the terms o which cover may be offered, we ad/or Saga may obtai iformatio about you from credit referece agecies to check your credit status ad idetity. We ad/or Saga may use this iformatio to assess which paymet optios we ad/or Saga ca offer you. The agecy will record our equiry but this will ot affect your credit ratig. Your data may be disclosed to regulatory bodies for the purposes of moitorig ad/or eforcig compliace with ay regulatory rules/codes. It may also be used for marketig, offerig reewals, research ad statistical purposes ad crime prevetio. By providig Saga with your persoal data ad cotact details, you coset to the Saga group of compaies ad their parters usig it to cotact you by post, telephoe, , SMS or other electroic meas, to iform you about ay products ad services which they cosider may be of iterest to you. However, you ca cotact the Saga Data Protectio Officer i writig at ay time to suppress cotact for some or all Saga products. I the case of persoal data, with limited exceptios, you have the right to access ad if ecessary rectify iformatio held about you by formal writte applicatio to Saga s Group Data Protectio Officer at Ebrook Park, Sadgate, Folkestoe, Ket CT20 3SE. What we do to combat fraud Fair processig otices As part of our fraud prevetio process we will complete a umber of equiries to check the details you provide us with. If false or iaccurate iformatio is provided ad fraud is idetified, details will be passed to fraud prevetio agecies. Law eforcemet agecies may access ad use this iformatio. The isurers ad other orgaisatios may also access ad use this iformatio to prevet fraud ad fiacial crime, for example, whe: checkig details o applicatios for credit ad credit related or other facilities; maagig credit ad credit related accouts or facilities ad recoverig debt; checkig details o proposals ad claims for all types of isurace; checkig details of job applicats ad employees. The isurers ad other orgaisatios may access ad use, from other coutries, the iformatio recorded by fraud prevetio agecies i the Uited Kigdom. If you would like to receive details of the fraud prevetio agecies we use please cotact the Head of Fraud, Ebrook Park, Sadgate, Folkestoe, Ket CT20 3SE. What happes if we chage the uderwriter of your policy Your Saga Home Isurace policy is curretly provided ad isured by the isurer(s) oted o your Schedule, as part of a agreemet betwee Saga Services Limited ad the isurer(s). At some time i the future Saga may eter ito a arragemet with a ew provider for all or part of your policy i which case Some other iformatio you eed to kow 9

10 this ew provider will offer you ew cover to replace your curret policy. If this is the case, we will write to you to cofirm the details of the ew provider, ad give you details of ay chages to the Terms ad Coditios of your policy. You hereby authorise Saga to trasfer ay persoal data to the ew provider, ad you coset to the ew provider beig able to offer cover to you. If at ay time you wish to withdraw your agreemet to this, please let us kow by callig The laguage ad law applicable to this policy The terms ad coditios ad all other iformatio cocerig this isurace are supplied i the Eglish laguage ad we udertake to commuicate i this laguage for the duratio of the policy. Uless we have agreed otherwise, this cotract will be govered by the law of Eglad ad Wales. Iflatio protectio idex-likig Idex-likig is a mothly adjustmet to the sum isured show o your Schedule. We do ot make a charge for idex-likig durig the period of isurace but each time you reew your policy, we will work out your premium agai o the ew sum isured. Buildigs If you have specified your buildigs sum isured we will idex-lik the sum isured show o your Schedule. We use the House Rebuildig Cost Idex prepared by the Royal Istitutio of Chartered Surveyors or aother appropriate idex. We do ot apply idex-likig to our stadard limit. Cotets If you have specified your cotets sum isured we will idex-lik the sum isured show o your Schedule. We use the Retail Price Idex or aother appropriate idex. We do ot apply idex-likig to our stadard limits. For your specified items icluded i the optioal Persoal Belogigs Iside ad Outside the Home Cover, we will idex-lik the sum isured show o your Schedule, usig the Retail Price Idex or aother appropriate idex. 10 Some other iformatio you eed to kow

11 Your policy i detail Saga Home Isurace is a isurace product provided by the isurer show i your Schedule. The isurer has relied o the iformatio ad statemets you gave whe they agreed to provide cover. This iformatio ad statemets, together with this policy wordig ad the policy Schedule, form the isurace policy ad must be read together as oe documet. Please read this Policy Booklet ad your Schedule carefully to make sure they meet your eeds. You agree to pay the premium ad to keep to the coditios of this policy. If you arrage to pay by istalmets ad do ot keep up your paymets, you will ot be covered by this policy from the date the premium was due. The isurer agrees to isure you accordig to the terms, coditios ad exclusios i this Policy Booklet for the sectios show i your Schedule. They will provide cover for ay period for which you have paid or agreed to pay the required premium. Your policy i detail 11

12 Specific policy words ad what they mea This part of the policy sets out the words that have a specific meaig whe relatig to your policy. These words are listed below with the meaig explaied beside them ad, to help you idetify them, they are prited i bold type wheever they appear i the policy. There are other words with specific meaigs listed uder the Legal Expeses sectio o page 30. You should also look at these. Your Schedule will show you if your policy icludes this sectio. Accidetal damage Accidetal loss Admiistratio fee Uexpected ad uiteded damage caused by sudde ad exteral meas. Uexpected ad uiteded physical loss. The amout show i your documets that Saga may charge for admiisterig your isurace policy if you make a chage to your cover, request ew documets or cacel your isurace policy before your reewal date. Bedroom A room used as a bedroom or origially iteded to be used as a bedroom but ow used for other purposes. Bogus officials Ayoe falsely claimig to be a represetative from a orgaisatio, compay or goverig body, i order to gai uforced access ito your home. Buildigs Your home or your ew home, ad its permaet fixtures ad fittigs, boudary ad garde walls, gates, hedges, feces, paths, terraces, drives, patios, permaetly-built swimmig or orametal pools ad their covers, teis courts, cables, udergroud pipes ad ispectio covers, septic taks ad cetral-heatig gas or oil taks all formig part of the property for which you are legally resposible. These must all be at the address show i your Schedule. Busiess equipmet Office equipmet, furiture ad stock (ot held for sale) that belogs to you, you are resposible for uder a hirig or legal agreemet or you are legally liable for. Compulsory evacuatio Cotets Whe your buildigs caot be lived i because you are preveted from doig so by a resposible authority: followig damage to a eighbourig property; or because of a risk to your health or safety from somethig exteral to your buildigs. Aythig which you ow or is i your possessio. Cotets does ot iclude the followig: aythig covered by ay other isurace or more specifically isured by this policy busiess equipmet your home (except fixtures, fittigs ad decoratios belogig to you, where you are the teat) or ay other buildigs motorised vehicles ad their trailers, trailer tets, caravas, horseboxes, aircraft ad boats (uless models or had propelled), or their accessories ad parts ay livig creature trees, shrubs or plats pedal cycles away from the home. Credit cards Bak, charge, cheque guaratee, credit, debit ad cash dispeser cards you hold for persoal purposes. Edorsemets A extesio or restrictio to your policy. Edorsemets oly apply if they appear i your Schedule. 12 Your policy i detail

13 Escape of water Excess Fixtures ad fittigs Groud heave Home Isurer(s) Kitche appliaces Ladslip Motorised vehicles Loss or damage by water as a result of a burst, froze, leakig or overflowig fixed domestic drai, water or heatig istallatio, kitche appliace or fixed domestic water pipig/ pipes. The first part of ay claim which you must pay. We show the excess amouts i your Schedule. Built-i furiture, built-i kitche appliaces, fixed glass ad saitary ware, solar paels, pipes, ducts, wires, cables, switches, fires, boilers, radiators, storage heaters, fixed wall, floor ad ceilig coverigs other tha carpets. The upward or sideways movemet of the site o which your buildigs are situated caused by swellig of the groud. The house, bugalow, flat or maisoette show i your Schedule. Domestic garages belogig to the property. Outbuildigs if they form part of the property. The isurer(s) show i your Schedule. Dishwasher, washig machie, washer dryer, tumble dryer, cooker/ove/hob/hood, microwave, fridge, freezer or fridge freezer which you ow. Sudde movemet of soil o a slope or gradual creep of a slope over a period of time. Ay electrically or mechaically powered vehicles other tha: vehicles used as domestic gardeig equipmet withi the boudaries of the lad belogig to your home; vehicles desiged to help ifirm or disabled people (as log as the vehicles are ot registered for road use); golf carts ad trolleys; ad pedestria-cotrolled toys ad models. New home The private house, its garages ad outbuildigs belogig to the property that you have exchaged cotracts to buy ad will occupy as your permaet home. Persoal belogigs Persoal moey Policyholder Property Saga Clothig (icludig items of leather ad sheepski) ad persoal items icludig sports equipmet (other tha those excluded uder cotets) desiged to be wor or carried. This does ot iclude: valuables or persoal moey; pedal cycles; ad campig equipmet or trailer tets. Cash, curret bak ad currecy otes, cheques, postal ad moey orders, bakers drafts, premium bods, savigs stamps ad certificates, uused curret postage stamps, travellers cheques, travel tickets, seaso tickets, lucheo vouchers, gift tokes, phoecards ad tradig stamps icludig televisio licece, gas, electricity ad phoe stamps you hold for persoal purposes. Persoal moey does ot iclude: lottery ad raffle tickets; air miles vouchers ad cards; promotioal vouchers ad cards; or credit cards. The perso amed i your Schedule. The buildigs ad the lad withi its boudary. Saga Services Limited. Schedule The documet showig details of the policyholder ad the isurace protectio provided. Your Schedule is part of this policy ad must be read i cojuctio with the policy. Settlemet The atural movemet of ew properties i the moths ad years after they are built. Your policy i detail 13

14 Subsidece Dowward movemet of the site o which the buildigs are situated by a cause other tha the weight of the buildigs themselves. Sum isured The amout show i your Schedule as the most we will pay for ay umber of claims from the same evet. Ufurished Whe your home is ot sufficietly furished for ormal livig purposes for more tha 60 days i a row. Uoccupied Whe your home has ot bee lived i by you, or a perso authorised by you, for more tha 60 days i a row. Valuables Jewellery, watches, clocks, furs, articles made of gold, silver ad other precious metals, precious stoes, pictures, works of art ad collectios of stamps, cois ad medals which you ow or are i your possessio. We, Our, Us The isurer(s) show i your Schedule. You, Your The perso or people show i the Schedule as the policyholder ad your husbad, wife or parter, childre (icludig childre of your husbad, wife or parter ad adopted ad foster childre) ad ay other perso, who permaetly live with you i your home. This does ot iclude lodgers ad other guests. 14 Your policy i detail

15 Buildigs Premier cover Your Schedule shows if you are covered uder this sectio of the policy. The most we will pay for ay oe claim is show i the Your cover at a glace sectio. We cover the followig 1. Loss or damage Ay loss or damage to your buildigs, icludig: loss or damage caused by domestic pets; loss or damage caused by scratchig or detig; loss or damage to your home ad laws, trees, shrubs ad plats caused by forced etry due to a medical emergecy ivolvig you; or loss or damage caused by fallig trees, braches, lamp posts, telegraph poles, electricity pylos, poles or overhead cables. This icludes the cost of removig the falle object which has caused the loss or damage; ay costs ad expeses, which we have agreed to, for locatig ad gaiig access to ay leakig water or oil pipe ad repairig it. We do ot cover the followig The Geeral Exceptios show o page 44. The excess show i your policy Schedule (o excess applies to your legal liability). The escape of water excess show i your policy Schedule. The cost of preparig a claim. Loss or damage caused by: subsidece, groud heave or ladslip to boudary ad garde walls, gates, hedges, feces, paths, terraces, drives, patios, permaetly-built swimmig pools or orametal pools, teis courts, septic taks, or cetral-heatig gas or oil taks uless your home is damaged at the same time by the same cause; movemet to solid floor slabs uless the foudatios beeath the outside walls of your home are damaged at the same time by the same cause; settlemet; swellig or shrikig of ifill materials; the coast or river bak beig wor away; storm or flood to timber gates, feces ad hedges; structural chages, structural repairs or demolitio; faulty workmaship, faulty desig or usig faulty materials; loppig, toppig or fellig of trees o your property; malicious acts or vadalism by you or ay persos lawfully i your home; malicious persos or vadals, escape of water or theft whe your home is uoccupied or ufurished; mechaical or electrical fault, failure or breakdow; or wear ad tear. Your policy i detail 15

16 We cover the followig We do ot cover the followig 2. Fees ad other costs Costs ad expeses which we have agreed to for: complyig with statutory or other buildigs regulatios or by-laws; architects, surveyors or other professioal fees; clearig rubble from the site, demolishig or proppig up. 3. Alterative accommodatio Ay costs ad expeses for ret you would have received, ret you still have to pay icludig groud ret, ad alterative accommodatio (which is of a similar size ad stadard to your home) for you ad your domestic pets, which we have agreed to: followig loss or damage to your buildigs; or for a maximum period of 30 days, followig a compulsory evacuatio of your buildigs. 4. Replacemet locks Istallig ew locks or replacig lock mechaisms to your home ad safes ad alarms i your home, if the keys are lost or stole. If you have claimed for istallig ew locks or replacig lock mechaisms to your home uder the Cotets sectio of your policy. 5. Sellig your home Whe you sell your buildigs, we will also cover your buyer util the sale is completed (uless the buyer is isured uder ay other policy). 6. New home Subject to formal acceptace from us of your ew home ad your agreemet to ay terms ad coditios that may apply, we will cover loss or damage to the buildigs of your ew home if you have exchaged cotracts or, i Scotlad, cocluded the missives, but you are ot occupyig as your home. Please cotact us o to Loss or damage to your ew home: if you are ot occupyig your ew home withi eight weeks from the exchage date; caused by water which has leaked or overflowed from, or has froze i, ay fixed domestic drai, water or heatig istallatio, appliace or pipig whe your ew home is ot lived i from the date of exchage 16 Your policy i detail

17 We cover the followig arrage this cover prior to exchagig cotracts o your ew home. We do ot cover the followig of cotracts to your movig i date uless you have arraged to tur off the gas ad water supplies at the mais ad drai the water system, or you have arraged to leave a cetral heatig system workig to prevet freezig, i which case the temperature cotrol must be set to at least 58 degrees Fahreheit (14 degrees Cetigrade) at all times durig the period 1 October to 31 March iclusive; if the buildigs of your ew home are isured uder ay other policy; if the joit rebuildig costs of your buildigs ad your ew home exceed the sum isured limit show o your Schedule; or durig ay reovatio/alteratio to your ew home. 7. Property ower s liability Your legal liability as ower of the buildigs, icludig the lad belogig to the buildigs (ad ay private house previously owed ad occupied or leased ad occupied by you) followig: accidetal death, bodily ijury, illess or disease to ay perso; ad/or loss or damage to property. If you die, we will cover your legal persoal represetatives i respect of your legal liability. This icludes ay claimat costs ad expeses arisig from ay oe accidet. We will also pay defece costs ad expeses, which we agree to i writig. Your legal liability for: accidetal death, bodily ijury, illess or disease to you or your domestic employees; loss or damage to property which you ow or is i your possessio; or faulty work to ay private house previously owed ad occupied or leased ad occupied by you, which happes more tha seve years after this policy expires. Your legal liability arisig from: ay busiess or employmet ivolvig you; ay deliberate act; ay cotract or agreemet uless you would have bee liable ayway if that cotract or agreemet did ot exist; owig, possessig or usig ay of the followig: motorised vehicles; caravas; watercraft (other tha surfboards, widsurfs ad models or toys); or aircraft (other tha models or toys). Your policy i detail 17

18 Cotets Premier cover Your Schedule shows if you are covered uder this sectio of the policy. The most we will pay for ay oe claim is show i the Your cover at a glace sectio. We cover the followig We do ot cover the followig 1. Loss or damage Ay loss or damage to your cotets or busiess equipmet: i your home ad withi the boudaries of the lad belogig to your home icludig loss or damage caused by scratchig or detig, or domestic pets; while they are beig trasferred (i the Uited Kigdom, Chael Islads or Isle of Ma) betwee your home ad your ew home or to or from a furiture storage facility, bak or safe deposit icludig loss or damage caused by scratchig or detig, or domestic pets; or whe you take them away from your home o a temporary basis aywhere i Europe, caused by: fire, smoke, explosio, lightig or earthquake; riot, civil commotio, strike, labour or political disturbace; malicious acts or vadalism; beig hit by aircraft, flyig objects or aythig fallig from them, vehicles, aimals, fallig trees, braches, or aerials, satellite dishes, masts ad their fittigs; storm or flood; subsidece or groud heave of the site o which the buildigs stad or ladslip; water or oil that has leaked from ay fixed domestic water or heatig istallatio, appliace, pipig or drai; or theft or attempted theft. The Geeral Exceptios show o page 44. The excess show i your policy Schedule, except for claims arisig from fatal ijury, your legal liability ad urecovered court awards. The escape of water excess show i your policy Schedule. The cost of preparig a claim. Loss or damage caused by: wear ad tear; mechaical or electrical fault, failure or breakdow; malicious acts or vadalism by you or aybody lawfully i your home; malicious persos or vadals, escape of water or theft whe your home is ufurished or uoccupied. Loss or damage to the cotets while they are away from your home: i a furiture storage facility; by theft uless someoe uses force ad violece to go ito or leave the buildigs; while you are i full-time educatio ad livig away from your home; or caused by storm or flood uless cotaied i the buildigs. 2. Alterative accommodatio Ay costs ad expeses, we have agreed to i advace, for: ret you still have to pay; 18 Your policy i detail

19 We cover the followig We do ot cover the followig alterative accommodatio (which is of a similar size ad stadard to your home) for you ad your domestic pets; the cost of temporary storage of your cotets; followig ay oe claim where your home caot be lived i as a result of loss or damage isured uder your policy. 3. Persoal moey ad credit cards Fiacial loss aywhere i the world followig the fraudulet use of ay credit card. The card must be issued i Great Britai, Isle of Ma, Chael Islads or Norther Irelad. Loss of your persoal moey aywhere i the world. Fiacial loss where: the loss of the credit card has ot bee reported to the police ad the card compay withi 24 hours after discoverig the loss; the card compay s terms ad coditios have bee broke; you have used the card frauduletly; or there has bee uauthorised use by you or your family. Shortages of persoal moey due to errors ad/or omissios. 4. Oil or metered water Loss of oil or metered water from your domestic water or heatig istallatio. 5. Replacemet locks Istallig ew locks or replacig lock mechaisms to your home ad safes ad alarms i your home if the keys are lost or stole. If you have claimed for istallig ew locks or replacig lock mechaisms to your home uder the Buildigs sectio of your policy. 6. Deterioratio of food Deterioratio of food or drik i the freezer or fridge i your home as a result of: the accidetal failure of the freezig uit; refrigerat fumes; or a accidetal power failure. Your policy i detail 19

20 We cover the followig We do ot cover the followig We will also pay the cost of hirig aother freezer where we have agreed that this is ecessary to try to lesse the claim. 7. Garde cover Loss or damage to hedges, laws, trees, shrubs ad plats that you ow, which are outside the buildigs but withi the boudaries of the property caused by: Fire, smoke, lightig, explosio, earthquake, storm, flood, theft or attempted theft, water or oil as a result of a burst, leakig or overflowig fixed domestic drai, water or heatig istallatio, kitche appliace or pipig. Collisio or impact ivolvig: a vehicle, aircraft or other aerial device (or aythig fallig from them), or aimal; breakage or collapse of a televisio or radio aerial, a satellite dish, or their fittigs ad masts; ad fallig trees, braches, lamp posts, telegraph poles, electricity pylos poles or overhead cables. Subsidece or groud heave of the site if your home is damaged by the same cause at the same time. Malicious acts or vadalism, riot, civil commotio, strikes, labour or political disturbaces. Loss or damage to hedges, laws, trees, shrubs ad plats caused: by atural ageig, isect, vermi (other tha squirrels), rot, mildew, fugus or poisoig, frost, smoke or bofires; by domestic aimals, birds or pets; or from light or atmospheric or climatic coditios. 8. Visitors persoal belogigs Loss or damage to your visitors persoal belogigs whilst i your home. 9. Carers persoal belogigs Loss or damage to your carer s (who does ot live with you permaetly) Carers persoal belogigs which are covered by ay other isurace or whilst the property is uoccupied or ufurished. 20 Your policy i detail

21 We cover the followig We do ot cover the followig persoal belogigs whilst i your home. 10. Theft by bogus officials We will pay for the theft of persoal moey followig uforced etry ito your home by a bogus official. 11. Medical equipmet o loa Loss or damage withi Great Britai, Isle of Ma, Chael Islads, Norther Irelad ad Republic of Irelad to specialist medical equipmet (e.g. wheelchair) o loa from a UK-based hospital, local authority, the Red Cross or a relevat mobility shop. Theft of persoal moey by a bogus official where the loss has ot bee reported to the police withi 24 hours after discoverig the loss. Loss or damage to medical equipmet o loa where: writte proof of the policyholder s legal resposibility for the equipmet caot be provided; the medical equipmet o loa is covered by other isurace; it is a result of a malicious act or vadalism caused by you or ay persos lawfully i your home; or there has bee a mechaical ad/or electrical failure of medical equipmet. Ay loss or damage to medical equipmet i your home while your home or ay part of it is let, let, sublet or shared (uless there is forcible ad violet etry ito or exit from it) or if your home was ufurished or uoccupied at the time of loss or damage. 12. Religious festival icrease We will automatically icrease the cotets sum isured show i your Schedule by 20% durig the moth of ay religious festivals to cover gifts ad extra food ad drik you buy. 13. Weddig, civil partership, birthday ad aiversary icrease We will automatically icrease the cotets sum isured show o your Schedule by 20% for a moth before ad after your weddig or civil partership ceremoies, birthdays or aiversaries. Your policy i detail 21

22 We cover the followig We do ot cover the followig 14. Deeds ad documets We will pay to replace deeds ad documets followig loss or damage covered uder this policy while they are i your home. 15. Studet cover Loss or damage to your cotets whe they are temporarily i Halls of Residece or other term-time studet accommodatio where you are studyig, icludig whilst beig trasferred to or from your home, caused by: fire, smoke, explosio, lightig or earthquake; riot, civil commotio, strike, labour or political disturbace; malicious acts or vadalism; beig hit by aircraft, flyig objects or aythig fallig from them, vehicles, aimals, fallig trees, braches, or aerials, satellite dishes, masts ad their fittigs; storm or flood; subsidece or groud heave of the site o which your studet accommodatio stads, or ladslip; water or oil that has leaked from ay fixed domestic water or heatig istallatio, appliace, pipig or drai; or theft or attempted theft. 16. New home Loss or damage i your ew home to furiture, soft furishigs ad freestadig kitche appliaces for seve days prior to movig ito your ew home. Loss or damage: to pedal cycles; to persoal moey ad credit cards; caused by theft or attempted theft uless someoe uses force ad violece to go ito or leave your studet accommodatio. Loss or damage i your ew home: to furiture, soft furishigs ad free-stadig kitche appliaces; caused by water which has leaked or overflowed from ay fixed domestic drai, water or heatig istallatio or pipig whe your ew home is ot lived i durig the seve days prior to your movig i date, uless you have arraged to tur off the gas ad water at the mais ad drai the water system, or you have arraged to leave a cetral heatig system 22 Your policy i detail

23 We cover the followig We do ot cover the followig workig to prevet freezig, i which case the temperature cotrol must be set to at least 58 degrees Fahreheit (14 degrees Cetigrade) at all times durig the period 1 October to 31 March iclusive; occurrig more tha seve days prior to your movig i date. 17. Jury service For each day that you serve as a juror i a court of law we will pay you a amout per day. 18. Trauma cover Followig a violet crime committed agaist you by a third party at your home, we will pay for; professioal cousellig fees; temporary accommodatio up to a maximum of seve days after the evet or to carry out agreed improvemets to physical security at the home; ad ecessary coveyacig, removal ad estate agecy fees if, withi 90 days of the evet, you feel compelled to move house ad had ot already plaed to do so. A reward for iformatio, which leads to the arrest ad covictio of the perso(s) crimially resposible for theft, attempted theft or violece agaist you i the home. Necessary alteratios to the home if you are permaetly disabled as a result of a accidet i the home durig the period of isurace as idicated i your policy Schedule. Your policy i detail 23

24 We cover the followig We do ot cover the followig 19. Fatal ijury Fatal ijury to you i your home as a direct result of fire, explosio, lightig or itruders where death occurs withi twelve moths of such ijury. 20. Liability to others Your legal liability as a private idividual followig accidetal death, bodily ijury, illess or disease to ay perso ad loss or damage to property. If you die, we will cover your legal persoal represetatives i respect of your legal liability. This icludes ay claimat costs ad expeses arisig from ay oe accidet. We will also pay defece costs ad expeses, which we agree to i writig. Your legal liability arisig from: ay busiess or employmet ivolvig you; ay deliberate act; ay cotract or agreemet uless you would have bee liable ayway if that cotract or agreemet did ot exist; owig, possessig or usig ay of the followig: motorised vehicles; caravas; watercraft (other tha surfboards, widsurfs ad models or toys); aircraft (other tha models or toys); the owership of your home ad ay other buildigs or lad; accidetal death, bodily ijury, illess or disease to you; or owig or carig for ay dog referred to i or desigated uder Sectio 1 of the Dagerous Dogs Act 1991 or the Dagerous Dogs (Norther Irelad) Order 1991 SI 2292 (NI 21) or ay subsequet amedig legislatio. The policy therefore excludes the followig breeds: Pit Bull Terrier, Japaese Tosa, Dogo Argetio, Fila Brasileiro ad cross breeds of these with ay other breeds. 21. Liability as a teat Your legal liability for all amouts you have to pay as teat ad ot as ower of your buildigs uder a teacy agreemet for your buildigs followig ay loss or damage. 24 Your policy i detail

25 We cover the followig We do ot cover the followig 22. Liability for domestic employees Your legal liability for all amouts you have to pay as compesatio for causig accidetal death, physical ijury, disease or illess to ay perso i your domestic employmet withi Great Britai, Isle of Ma, Chael Islads or Norther Irelad. This icludes ay claimat costs ad expeses arisig from ay oe accidet. We will also pay defece costs ad expeses, which we agree to i writig. 23. Urecovered court awards Urecovered court awards where you have ot received full paymet withi three moths of the date of the award (o appeal pedig) ad where you would have bee covered for legal liability uder this policy had the award bee made agaist you. Your policy i detail 25

26 Persoal Belogigs Cover Uspecified items (For items worth less tha 1,000 each) This sectio is icluded with ay cotets oly or combied buildigs ad cotets policy. We cover the followig Loss or damage to your valuables ad persoal belogigs aywhere i the world. The most we will pay for ay oe item, pair or set is 1,000. The most we will pay i total for ay oe evet is the amout show i your Schedule. We do ot cover the followig The Geeral Exceptios show o page 44. The first 50 of each claim. Loss or damage to persoal belogigs cotaied i your studet accommodatio while away from your home for the purpose of attedig college, uiversity or boardig school. Loss or damage caused by: wear ad tear, mechaical or electrical fault, failure or breakdow; or ay process of dyeig, washig, cleaig, restorig, reproofig, adjustig, maitaiig, repairig or misuse. Loss or damage to: pedal cycles ad their accessories, campig equipmet, ay livig creature, cotact or coreal leses; furiture, household goods, food or property you ow or use at ay time for busiess, professioal or trade purposes; motorised vehicles, trailers, caravas, boats or ay accessories, keys or associated equipmet; car audio equipmet, audiovisual equipmet (other tha portable items icludig video cameras or camcorders); computer equipmet (other tha laptops, Persoal Digital Assistats ad their accessories) or disks; articles of chia or glass other tha spectacles, watch faces or camera leses; or persoal moey, credit cards, deeds ad documets. 26 Your policy i detail

27 Persoal Belogigs Cover Specified items (optioal cover) This sectio is a additioal cover optio available with ay cotets oly or combied buildigs ad cotets policy. Your Schedule shows if you are covered uder this sectio of the policy ad all items covered by this policy are listed uder the specified item sectio. We cover the followig We do ot cover the followig Loss or damage to specified items show i your Schedule aywhere i the world. The most we will pay for ay oe item is the value show agaist it i your Schedule. The Geeral Exceptios show o page 44. The first 50 of each claim. Loss or damage to specified items cotaied i your studet accommodatio while away from your home for the purpose of attedig college, uiversity or boardig school. Loss or damage caused by: wear ad tear, mechaical or electrical fault, failure or breakdow; or ay process of dyeig, washig, cleaig, restorig, reproofig, adjustig, maitaiig, repairig or misuse. Loss or damage to pedal cycles ad their accessories. Your policy i detail 27

28 Pedal Cycles Outside the Home Cover (optioal cover) This sectio is a additioal cover optio available with ay cotets oly or combied buildigs ad cotets policy. Your Schedule shows if you are covered uder this sectio of the policy ad all pedal cycles covered are listed uder the specified item sectio. We cover the followig We do ot cover the followig Loss or damage to your pedal cycles, icludig their accessories, show i your Schedule while aywhere i the Uited Kigdom, Chael Islads or Isle of Ma. The most we will pay for ay oe pedal cycle ad its accessories is the value show agaist it i your Schedule. The Geeral Exceptios show o page 44. The first 50 of each claim. Ay claim outside the Uited Kigdom, Chael Islads or Isle of Ma uless we specifically agree beforehad to provide cover ad you pay ay extra premium we require. Loss or damage to pedal cycles cotaied i your studet accommodatio while away from your home for the purpose of attedig college, uiversity or boardig school. Motorised pedal cycles. Pedal cycles used for or i practice for racig, pacemakig or testig. Theft or attempted theft of uatteded pedal cycles you leave i a public place, uless the pedal cycle is securely locked to a permaetly-fixed structure by a chai ad padlock or similar lockig device. Cuts to tyres or burst tyres. Loss or damage caused by: aythig which happes gradually such as damage caused by vermi (other tha squirrels), frost, climatic ad atmospheric coditios, light, rustig or corrosio; scratchig or detig; mechaical or electrical fault, failure or breakdow; or ay process of washig, cleaig, restorig, reproofig, adjustig, maitaiig, repairig or misuse. 28 Your policy i detail

29 Garde Cover (optioal cover) This sectio is a additioal cover optio available with ay cotets oly or combied buildigs ad cotets policy. Your Schedule shows if you are covered uder this sectio of the policy. We cover the followig We do ot cover the followig Loss or damage to: plats (icludig shrubs, trees, vegetables ad hedges); turf ad laws; rockeries; pods ad accessories; walls, patios, feces, gates, beehives, cold frames, sheds, greehouses, trellis work, gazebos, pergolas, bird tables ad dovecotes; garde tools ad equipmet; garde furiture ad barbecues; oramets (icludig statues, urs, bird-baths ad gomes); greehouse accessories; all withi the boudaries of the lad belogig to your home ad caused by: theft or attempted theft; fire, smoke, explosio, lightig or earthquake; storm or flood; malicious persos or vadals; wild aimals; accidetal damage; failure of the heatig system i the greehouse; fallig trees or braches; or fallig masory, aerials, satellite dishes, masts or their fittigs. Professioal garde-desig fees ad expeses icurred to retur your garde to its coditio prior to the damage by ay of the causes listed above. The most we will pay for ay oe claim is 2,500. Loss or damage to cotets withi the boudaries of your home, as show i the Cotets sectio, is icreased up to a maximum of 2,000 for ay oe claim. The Geeral Exceptios show o page 44. The first 50 of each claim. Storm damage to feces uless your home is damaged at the same time ad by the same cause. Damage caused by frost, drought, isects ad their larvae, slugs ad sails, rot, mildew ad plat diseases. Ride-o mowers ad their accessories. Ay amout exceedig 1,500 for loss or damage. Ay amout exceedig 2,500 for professioal garde-desig fees ad expeses. Your policy i detail 29

30 Legal Expeses Cover (optioal cover) This Legal Expeses Cover is uderwritte by Acromas Isurace Compay Limited. It is a additioal cover optio available with ay cotets oly, buildigs oly or combied buildigs ad cotets policy. Your Schedule shows if you are covered uder this sectio of the policy. The coditios ad exclusios which apply to this sectio are show o pages 34 to 39. The Geeral Exceptios o page 44 ad the Geeral Coditios o page 45 apply to the whole policy ad should be read i cojuctio with this sectio. Glossary of terms We have defied certai words ad phrases that apply specifically to the Legal Expeses Cover policy. They have the meaigs show ext to them wherever they appear throughout this sectio ad to help you idetify these words we have prited them i bold type. Appoited represetative A solicitor, lawyer or appropriately qualified perso, firm or compay, icludig us, istructed i accordace with Legal Expeses Cover Coditio 2. Represetatio. Date of icidet The date of the evet; or the date of the first evet where there is more tha oe evet arisig from the same cause; or the date o which the cause of actio arises where this relates to the purchase of your home or your secod home; which may lead to a claim uder this policy. Disbursemets Moey spet by the appoited represetative to maage your claim, but ot icludig the appoited represetative s ow fees. Home The house, bugalow, flat or maisoette, icludig domestic garages ad outbuildigs belogig to the home, show i your Schedule. Iquiry Legal claim A iquest held i a Coroer s Court or Fatal Accidet Equiry ito your death; a police ivestigatio ito a allegatio made about you which may lead to you beig prosecuted i a magistrates court or Crow Court or their Scottish equivalets; civil actio beig take agaist you uder Sectio 13 of the Data Protectio Act 1998; or civil actio beig take agaist you for ulawful discrimiatio. Preparig work for egotiatig or defedig your legal rights i a civil court, tribual or arbitratio i the territory, icludig egotiatig a settlemet ad ay hearigs. We also iclude appeals from these hearigs if you tell us you wat to appeal at least six workig days before the deadlie for givig otice of appeal eds ad we cosider the appeal to have reasoable prospects. 30 Your policy i detail

31 Legal costs Legal proceedigs All properly icurred ad proportioate disbursemets, fees ad expeses, charged by the appoited represetative, or icurred uder ay fixed recoverable costs scheme. Ay oppoet s costs which you have bee ordered to pay by a court or other body, or we have authorised. You are ot covered for ay damages, fies or pealties you have to pay. Actio to be take i a court or tribual whe efforts to settle your claim by way of egotiatio have failed. The perso(s) amed i your Schedule. Your home, your secod home ad the lad withi their boudaries, for which you are legally resposible. Where we cosider there is a 51% ad above chace of succeedig with your claim ad eforcig ay award ad that it would be reasoable to advise ay private payig cliet i the same circumstaces to pursue the claim. Saga Services Limited. The documet, which provides a record of your isurace. Your Schedule is part of this policy ad must be read i cojuctio with the policy. A house, bugalow, flat or maisoette, icludig the domestic garages ad outbuildigs belogig to this home, used for domestic purposes ad owed by you; isured by Saga Services Limited ad occupied by you o a regular basis. Territory Vehicle We, our, us You, Your Gibraltar ad the Uited Kigdom meaig Eglad, Wales, Scotlad, Norther Irelad, the Isle of Ma ad the Chael Islads. Ay mechaically propelled motor vehicle (icludig scooters), aircraft or vessel. Acromas Isurace Compay Limited. The policyholder ad their spouse/domestic parter ad ay other relative, (icludig adopted ad foster childre), who permaetly live i your home. Policyholder Property Reasoable prospects Saga Schedule Secod home Your policy i detail 31

32 We cover the followig Legal Expeses Cover Access to a 24-hour legal helplie which provides iitial advice o ay persoal legal matter. Up to 100,000 (icludig VAT) of legal costs for ay oe claim or series of claims arisig from the date of icidet. 1. Death, persoal ijury ad medical egligece Legal costs for you, or i the evet of your death for your persoal legal represetatives, for pursuig a legal claim that arises from a evet, which causes death or bodily ijury to you. 2. Cotract disputes Legal costs for defedig or pursuig a legal claim arisig from a dispute over: you buyig, hirig or leasig ay persoal goods or services; you sellig ay persoal goods; or you buyig or sellig your property. We do ot cover the followig Where the amout i dispute is less tha 100. More tha 100,000 (icludig VAT) of legal costs for all claims that arise from the same date of icidet. Legal costs where reasoable prospects do ot exist. Ay claim relatig to: illess or ijury ot caused by a sudde or specific accidet or that happes gradually; or defece of your legal rights, other tha defece of a couter-claim. Ay claim relatig to: work ad/or advice by a builder or cotractor give to you about the specificatio, desig, plaig, buildig or structural chage i or o your property where the cotract value is over 20,000 icludig VAT; ay disputes relatig to buildigs or lad that is ot your property; subsidece, groud heave or ladslip, miig or quarryig; ay loa, borrowig, stocks, shares, debetures, fuds, pesios, mortgages, trusts of ay kid or other ivestmets; disputes about shareholdig or parterships; disputes betwee a ladlord ad a teat; or a cotract etered ito by or o behalf of you buyig, sellig or retig o domesticated aimals ad livestock. 32 Your policy i detail

33 We cover the followig 3. Protectio of property Legal costs for pursuig a legal claim ad/or arragemet of mediatio for a dispute relatig to your property which you ow or is your resposibility: followig a evet which causes or could cause physical damage to your property; or followig a public or private uisace or trespass, icludig if there are squatters i your property. 4. Employmet Legal costs for pursuig a legal claim arisig from a dispute with your employer as a employee uder your cotract of employmet. 5. Employee defece Legal defece if a evet arises from your work as a employee, which leads to: you beig prosecuted i a magistrates court or Crow Court; civil actio beig take agaist you uder Sectio 13 of the Data Protectio Act 1998; or civil actio beig take agaist you for ulawful discrimiatio. We do ot cover the followig Ay claim relatig to: a cotract etered ito by you; ay buildigs or lad ot show as your property; ay public or private plaig matter; the compulsory purchase of, or restrictios or cotrols placed o your property by ay govermet, local or public authority; the actual, plaed or proposed costructio, closure, demolitio, adoptio or repair of buildigs, housig, roads or bridges by ay govermet, local or public authority; ay work by order of ay govermet, local or public authority; miig subsidece; or defedig ay dispute other tha defedig a couter claim. Ay claim relatig to: disputes uder a cotract of employmet which occur withi 90 days of the start date of this Legal Expeses Cover; the Equal Pay Act 1970 (or amedig laws); travellig expeses, allowaces or compesatio paymets for beig off work; or ay discipliary procedures brought agaist you by your employer, or ay iteral grievaces brought by you. Ay claim relatig to: parkig or obstructio offeces; or claims agaist you as a Director or Officer of ay compay. Your policy i detail 33

34 Legal Expeses Cover Exclusios You should read these exclusios carefully together with the Legal Expeses Cover Coditios ad Legal Expeses Cover Geeral Coditios. The Geeral Coditios ad Geeral Exceptios of your Saga Home Isurace policy also apply to your Legal Expeses Cover ad these should also be read carefully. Please also refer to How to make a claim. We do ot cover the followig: 1. Legal costs for a legal claim arisig from: a. where the date of icidet arose prior to the commecemet of this Legal Expeses Cover; b. where the relevat period for brigig a legal claim has passed; c. a appeal where you did ot claim origially uder this policy ad were ot represeted by us; d. ay request to appeal advised to us less tha six workig days before the deadlie to appeal eds; e. ay eforcemet actio relatig to a claim ot origially covered uder this policy ad where you were ot represeted by us; or f. ay additioal legal costs icurred by ay represetative beyod those we would ormally pay uder Legal Expeses Cover coditio 2 Represetatio. 2. Ay claim relatig to: a. ay legal costs which you icur before we have accepted your claim; b. ay icidet that occurs outside of the territory; c. Actios which ivolve idividuals other tha you who may beefit from ay work udertake by a appoited represetative, or where the actio is covered by a Group Litigatio Order. d. where the amout i dispute is less tha 100; e. ay amout which you caot recover from aother isurace policy because a isurer refuses or reduces a claim you have made; f. ay disagreemet over a cotract of isurace which relates oly to the amout of your claim; g. a deliberate or crimial act or omissio or crimial prosecutio of you or ay proceedigs i a court of crimial jurisdictio; h. judicial reviews; i. your affairs if they are i the hads of a isolvecy practitioer by court order or by agreemet with your creditors; j. ay busiess, professio or trade or ay veture for gai icludig lettig the property; k. damages, fies or pealties you have to pay; l. a vehicle you are buyig, fiacig, sellig, hirig or is owed by you or for which you are resposible or you are drivig, operatig, cotrollig, usig or repairig. You are covered as a passeger i a vehicle that is ot owed or drive by you; m. the aulmet of your marriage or civil partership, divorce, judicial separatio, livig together, maiteace, custody access, fiacial arragemets, acillary relief (dividig moey ad property followig divorce), residece orders, cotact orders, specific issue orders, prohibitive steps orders, adoptio or other family law matter;. wills or probate; o. libel, defamatio or slader; p. patets, copyright, desig rights, trade marks, service marks, character or merchadise marks or ay other form of itellectual property; q. secrecy, cofidetiality agreemets or computer software or data protectio; r. ay evet resultig i suspesio of membership or expulsio from a club or society; s. professioal egligece of ay solicitor, lawyer or appropriately qualified perso, firm or compay actig o your behalf i relatio to a claim uder this policy; t. professioal egligece of ay solicitor, lawyer or appropriately qualified perso, firm or compay actig o your behalf where the origial matter, for which they were istructed is ot covered uder this policy; u. where your oppoet is also isured uder this policy; 34 Your policy i detail

35 v. ay disputes with us or ay other compay owed by Saga plc; or w. ay referral to the Europea Court. Legal Expeses Cover Coditios You should read these coditios carefully together with the Legal Expeses Cover Exclusios ad Legal Expeses Cover Geeral Coditios. The Geeral Coditios ad Geeral Exceptios of your Saga Home Isurace policy also apply to your Legal Expeses Cover ad these should also be read carefully. Please also refer to How to make a claim. 1. Claims You must: a. cotact us as soo as possible after aythig happes which may lead to a legal claim; b. have submitted a completed legal expeses claim form withi 180 days of the date of icidet which you may claim for uder this policy. If you submit your legal expeses claim form outside of this period ad there are reasoable prospects, we will progress your legal claim, but we will ot pay for ay legal costs icurred as a result of your delay. A legal claim will oly be cosidered oce a fully completed legal expeses claim form has bee received by us. For iformatio, please refer to How to make a claim ; c. make every effort to provide all documets ad/or ay iformatio requested by us or your appoited represetative i a timely maer so as ot to prejudice your case or icur uecessary costs; d. do everythig you ca to keep legal costs as low as possible or avoid legal proceedigs; e. cosider with us ad/or your appoited represetative all approaches to settle the dispute without legal proceedigs; f. co-operate with us ad your appoited represetative ad give proper istructios to us or to the appoited represetative, icludig full ad correct iformatio; g. tell your appoited represetative, as quickly as possible about ay otificatio of commeced legal proceedigs (claims forms, summos), likely prosecutio or other commuicatio you receive to do with the claim; h. sed your appoited represetative all the iformatio or documets they require to support your claim at your ow expese; i. tell us ad/or your appoited represetative about ay offer to settle the claim or ay paymet made ito court; j. provide all ecessary assistace to your appoited represetative to hadle the claim ad keep us up to date with the progress of your claim; k. go to ay meetigs if you are asked to do so which are relevat to the legal claim; l. sed us all bills for legal costs from your appoited represetative as quickly as possible after you receive them; m. if we ask, you must request ad the sed the appoited represetative s bill to either a appoited law costs draughtsperso or to court or the appropriate local Law Society to be taxed or certified at our cost; ad. pay us ay legal costs you may recover. You must ot: a. admit ay resposibility, dey ay claim, egotiate or make a offer or promise to pay or do aythig which may harm your claim without our writte permissio; b. agree to ay offer of settlemet without our writte permissio; c. act differetly from the way your appoited represetative has agreed with you to proceed; or d. refuse or eglect to comply with court rules. What we will do: a. we will review the fully completed legal expeses claim form ad cosider i its etirety, the total value of the claim, the complexity of the issues, the importace of the issue, the fiacial positios of the parties ivolved ad the legal costs ivolved; ad b. if there are reasoable prospects of pursuig your claim ad of Your policy i detail 35

36 eforcig ay judgmet or award we will advise you of the most suitable actio. 2. Represetatio If your legal claim has reasoable prospects we will choose a appoited represetative to act o your behalf. The arragemet we have with our appoited represetatives does ot restrict their idepedece ad you will at all times receive the best advice for you. You may choose aother represetative if there is a coflict of iterest with a represetative appoited by us, or there is a iquiry or legal proceedigs are about to be commeced. If you do exercise your right to choose a represetative: i. the represetative you choose will become the appoited ii. represetative. you must otify us as soo as possible of the ame, address ad cotact details of the appoited represetative. iii. you will be required to esure that the appoited represetative complies as appropriate with the terms of this policy o your behalf by: a) keepig us updated regularly with the progress of your legal claim; b) keepig us iformed regularly of legal costs icurred; c) iformig us of ay settlemet offers made to or by you; ad d) keepig us regularly updated ad iformed of other thigs regardig the coduct of your legal claim which may lead to a outcome or a cost that is ot aticipated at the commecemet of your legal claim. With your prior agreemet we will be etitled to cotact your appoited represetative to discuss, ad if possible agree, the rates that will be paid by us to the appoited represetative for actig o your behalf. The amout that we will pay i respect of legal costs (meaig those properly icurred ad proportioate fees ad expeses charged by the appoited represetative) shall ot i ay circumstaces exceed hourly rates i lie with those published i the Seior Courts Cost Office Guide for Summary Assessmets of Costs, which your appoited represetative will have readily available ad which you should ask to see. The rate applicable will be the guidelie rate at the time the work was coducted, for the locatio i which your appoited represetative carries o busiess or o your home address (whichever is the lower) ad for the grade of fee earer which is appropriate for the ature or complexity of the case or task beig performed. If your appoited represetative refuses to accept the guidelie rates, you will be liable to pay the appoited represetative ay differece betwee what we pay ad the amout sought by the appoited represetative. 3. Usig the appoited represetative a. We will be able to talk to the appoited represetative at all times ad get ay iformatio, report, documet, correspodece or advice to do with a claim from them. However, if the appoited represetative cosiders your iterest would be affected by givig ay documets or iformatio to us, we will ot see them. You must give the appoited represetative istructios for this purpose. b. We must be advised as quickly as possible if there are o loger reasoable prospects ad o further legal costs should be icurred without our coset. If you withdraw from a legal claim c. The appoited represetative will act for you durig your claim. If, at ay stage, you ited to withdraw istructios please cotact us as soo as possible i order for us to cosider your itetio ad its potetial result. If the appoited represetative withdraws from a legal claim d. If the appoited represetative refuses to act for you, you must tell us immediately. If this is for reasos related to the reasoable prospects of your claim or other reaso relatig to your etitlemet to cover uder this policy, you must tell us ad give the appoited represetative permissio to share those reasos with us. If, after reviewig the 36 Your policy i detail

37 iformatio, ay ew represetative cofirms that you have otherwise complied with the policy coditios, you will be etitled to appoit a ew appoited represetative i accordace with Coditio 2 Represetatio. 4. Our rights We are etitled to: a. take legal actio at our expese ad for our beefit, but i your ame, to recover ay paymet we have made uder this policy; b. receive from you ay iformatio we may eed; c. liaise with the appoited represetative ad receive ay iformatio or documets relevat to your claim; d. get the appoited represetative s opiio o the chaces of your case succeedig ad ay judgmet beig eforced; ad e. decide ot to commece or to termiate a legal claim at ay time ad pay you up to or equal to the amout that you are claimig for or the amout beig claimed agaist you. This coditio does ot affect your rights to take separate legal actio or to complai to the Fiacial Ombudsma Service. 5. Withdrawal of assistace by us We may at ay time withdraw our support for your claim: a. if we or your appoited represetative decide that there are o loger reasoable prospects for success or eforcemet of ay judgmet or potetial judgmet are isufficiet to justify our cotiuig support; b. if we or your appoited represetative feel that your iterests are better served by other meas; c. followig your refusal to accept ay settlemet of your claim recommeded by us or your appoited represetative; d. if you act i a way which may prejudice the settlemet of your claim; or e. if you fail to co-operate with us or the appoited represetative or fail to follow their advice. I that case, we will write ad explai our reasos for withdrawig support ad i the evet of you actig i a maer prejudicial to your claim or failig to co-operate as stated above, we reserve the right ot to meet ay further legal costs or expeses icurred ad to seek reimbursemet from you of all costs paid uder the policy. If you or we disagree, we ca both refer the matter to arbitratio accordig to Legal Expeses Cover Coditio 9 Arbitratio. 6. Recovery of paymets made The paymet of claims is depedet o: a. you providig all ecessary assistace to us ad to your appoited represetative to eable us to recover for our beefit the amout of ay paymets uder this policy; ad b. where a perso is ordered or agrees to pay your legal costs ad expeses, ad compesatio, either i full or by istalmets, these istalmets will be paid to us util we have recovered the total amout that the other perso was ordered or agreed to pay by way of legal costs ad expeses charges. 7. Appoited represetatives costs, witess costs ad other expeses We will ot pay ay costs ad/or expeses: a. which you or your represetative icur before we have accepted your claim; b. as a result of your failig to provide istructios or iformatio to the appoited represetatives; c. as a result of you actig agaist your appoited represetative s advice or i a way which may prejudice the settlemet of the claim; or d. as a result of you or ayoe actig for you makig a claim that is false or fraudulet i ay way. If you or we disagree about ay costs uder 7b) or c) above, we ca both refer the matter to arbitratio accordig to Legal Expeses Cover Coditio 9 Arbitratio. 8. Other isurace If you claim uder this policy for somethig which is also covered by aother isurace policy, you must provide us with full details of the other isurace Your policy i detail 37

38 policy. We will oly pay our share of ay claim. 9. Arbitratio This policy wordig advises whe a dispute betwee you ad us may be referred to a arbitrator. Should arbitratio be required, the matter may be referred to a arbitrator who will be a solicitor or barrister who you ad we agree o i writig. If we caot agree, the Presidet of the local Law Society or the Bar Coucil will decide o a arbitrator. The decisio of the arbitrator will be fial ad bidig ad he or she will decide who should pay the costs of the arbitratio ad resolvig the disagreemet. If costs are awarded agaist you, they are ot covered uder this policy. This coditio does ot affect your rights to take separate legal actio or to complai to the Fiacial Ombudsma Service. 10. Law applicable Uless we have agreed otherwise, this cotract will be govered by Eglish Law ad all the iformatio ad terms regardig this cotract are provided i the Eglish laguage oly. Legal Expeses Cover Geeral Coditios 1. The isurace cover this policy provides depeds o the terms ad coditios i this Policy Booklet. You must comply with these terms ad coditios to have the full protectio of your policy. It is your duty to provide us with correct iformatio ad aswer our questios with reasoable care ad hoestly, truthfully ad completely. If you, or ayoe actig for you, have deliberately misrepreseted the aswer to our questios, or misrepreseted ay aswers provided to olie questios by maipulatig a aswer ad these aswers have: iflueced our decisio to provide you with isurace we would otherwise ot have agreed to provide, or iflueced the terms ad coditios o which we have provided cover, or preveted us from chargig the correct premium, we will treat your policy as if it ever existed ad retur ay premium you have paid for the policy, uless we have idetified a false or fraudulet claim whe Legal Expeses Cover Geeral Coditio 2 will also apply. If the misrepresetatio is ot deliberate but is careless we will either: treat your policy as if it ever existed ad retur ay premium you have paid for the policy if we would ot have accepted the risk had you give the correct iformatio; or amed your policy details to record the correct iformatio, apply ay terms that would have bee applied had you give the correct iformatio, ad charge ad collect ay additioal premium due. Saga will also charge a admiistratio fee. 2. Fraudulet claims If we discover that you, aybody isured by this policy or ayoe actig for you has kowigly: made a fraudulet or false claim i full or i part or exaggerated the amout of the claim; misrepreseted ay aswers to our questios or withheld ay relevat iformatio i order to ifluece us to accept a claim; provided false or ivalid documets i support of a claim; or followig a allegatio or suggestio of fraud by us or aother isurer, withdraw a claim, had a claim refused or declied or had a policy cacelled or made void, we will ivestigate the claim ad this could result i legal actio by us. We may: treat your policy as if it ever existed from the date of the fraud or misrepresetatio ad retai ay premium you have paid for these policies; serve you with a seve-day otice of cacellatio o all other policies that you hold with us; ad pass details to the Police ad fraud prevetio agecies; or refuse to pay the whole of your claim if ay part is i ay way fraudulet, 38 Your policy i detail

39 false or exaggerated ad recover from you ay costs that we have icurred. 3. Cacellatio Procedures are explaied below depedet o who ivokes cacellatio. a) The policyholder If you eed to cacel this policy cotact Saga o or write to Saga at Saga Services Limited, Middelburg Square, Folkestoe, Ket CT20 1AZ. Where you cacel the Saga Home Isurace policy the this Legal Expeses Cover will also be cacelled o the same date. You will, for a period of 14 days from the date you receive the policy documetatio or the date you eter ito the cotract (whichever is later), have a right to cacel this policy ad receive a refud. This refud will be subject to a charge for the period of cover you have received except where cover has ot commeced prior to the ed of this 14-day period, i which case you will be etitled to a full refud of the premium you have paid. Beyod the above period, you may cacel this isurace at ay time, but o refud will be provided to you. b) The isurer We may cacel this isurace by sedig at least seve days writte otice to your last kow address. A pro rata premium refud will be allowed from the date of cacellatio, o deductio will be made for commissio ad a refud will be allowed regardless of whether a claim has bee made uder the policy. Ay such cacellatio by you or us will ot affect ay rights ad resposibilities arisig before cacellatio takes place. How to make a claim If you wish to make a claim call us as soo as possible o our 24-hour legal helplie so that our legal team ca advise you of the ext steps. We will arrage legal represetatio for you where appropriate. If you wat to make a claim uder your Legal Expeses Cover, you will eed to complete our legal expeses claim form, providig full details i writig, so that our legal experts ca review the iformatio provided ad determie whether the evet is covered ad reasoable prospects apply. A legal claim will oly be cosidered oce a fully completed legal expeses claim form has bee received by us. To obtai our legal expeses claim form please call us o from the UK or from abroad or write to us at: Saga Legal Expeses, 8 Bedford Park, Croydo, Surrey CR0 2AP Claim details ca also be ed to [email protected] You must give the policy umber show o your Schedule each time you write to or telephoe us. Help ad advice from Saga Saga kows that you may eed practical help at ay time, ight or day, so we have arraged this useful helplie that you ca use 24 hours a day, 365 days a year. 24-hour legal advice helplie from the UK or from abroad You ca receive cofidetial legal advice over the phoe o ay persoal legal problem, such as eighbour disputes or cosumer law, from our qualified legal experts. We offer advice relatig to laws of the territory. There is o limit to the umber of calls you ca make ad you ca rest assured that your coversatio will be treated i the strictest cofidece. The Saga helplie does ot provide cover for ay costs you have to pay because you followed the advice give. Your policy i detail 39

40 How to make a claim 1. If a evet happes for which you wat to make a claim, first check your Schedule ad policy to make sure that the evet is covered. 2. Please read the Geeral Exceptios o page 44 ad the Geeral Coditios o page 45 for details of the claims coditios. For Legal Expeses claims please also read the coditios o pages 35 to If the evet is covered, or if you are i ay doubt, call the relevat umber show i your Schedule. Our claims uit will take details of the evet ad tell you whether your claim is covered. Wheever possible, we accept claims without the eed for a claim form. However, we may ask you to fill i ad retur a claim form, which we will ormally sed to you withi two workig days of your call. 4. After your call, oe of several thigs will happe but at all times you will be guided by your icidet maager. If repairs are eeded, we may arrage for a cotractor approved by us to call. We will try to do this withi two workig days of you makig your claim. The cotractor will draw up a quote for repairs ad should start work at a time that is coveiet to you. Whe the repair is fiished, the cotractor will sed the ivoice straight to us so we ca pay it. We may arrage to sed you, ad if appropriate have istalled, replacemet goods (such as domestic appliaces, furishigs, saitary ware ad kitche uits) ad/or issue vouchers to the same replacemet value from a supplier approved by us. Or, we may agree to pay you cash for your claim ad we will sed you a cheque or pre paid card. If we ask, you eed to give us ay evidece to support your claim, such as estimates, photographs or ivoices. We will cofirm exactly what we eed. Sometimes we will eed to ask a idepedet loss adviser to assess the loss or damage. If so, we will tell you ad arrage for the loss adviser to cotact you withi two workig days. The loss adviser s role is to assess the claim, cofirm what actio you eed to take, ad recommed to us how to deal with the claim. The loss adviser, o our behalf, may arrage for repairs or replacemet to be carried out ad agree with you the amout we should pay for the claim. Please remember you are resposible for payig ay excess that applies to your claim. The excess is the first amout of each claim you have to pay. If you make a claim uder more tha oe sectio for loss or damage that happes at the same time by the same cause, we will take off a excess for each sectio. We will decide the most we will pay before takig off the excess. Claims history Depedig o the circumstaces ad umber of claims you make, we may apply additioal terms to your policy or reduce the cover that we are prepared to offer you at your ext reewal date. 40 Your policy i detail

41 How to make a claim Geeral Coditios 1. Claims your duty For iformatio o the claims procedure ad how we settle your claim, please read page 40. Whe you kow you may have to claim uder this policy, you must: tell us as soo as reasoably possible; tell the local police as soo as possible after you become aware that somethig is lost or if you suspect theft, attempted theft or malicious damage, ad keep a ote of ay referece umber give to you; take all reasoable steps to recover ay property which has bee lost; whe asked, sed us all the documets ad iformatio (icludig writte estimates ad proof of owership or value) we may eed; ad sed us ay writte claim made agaist you ad give us full details i writig of ay verbal claim made agaist you. Ay costs icurred for sedig us the required iformatio will be reimbursed by us. You must ot: respod to ay claim made agaist you or admit or dey resposibility or egotiate or settle ay claim made agaist you without our writte permissio; or leave property for us to deal with uless you have our permissio. 2. Claims our rights We ca do the followig: We ca take legal actio at our expese ad for our beefit, but i your ame, to recover ay paymet we have made uder the policy. We ca egotiate, defed or settle i your ame ay claim made agaist you. We are etitled to the remais of ay isured property for which we have paid a claim. I some istaces your claim may be hadled o our behalf by Saga. 3. Recovery of lost or stole property If ay lost or stole property is recovered you must let us kow as soo as reasoably possible. If the property is recovered before paymet of the claim you must take it back ad we will the pay for ay damage. If the property is recovered after paymet of the claim it will belog to us but you will have the optio to retai it ad refud i full ay claim paymet to us. 4. Other isurace If you have ay other isurace coverig aythig isured by this policy, we will pay oly our share of ay claim. 5. Takig care You must take care to prevet or reduce ay loss, destructio, damage or ijury ad maitai aythig covered by this isurace. Your policy i detail 41

42 How much we will pay Buildigs Premier cover If you suffer loss or damage to ay of your buildigs, at our optio we will: pay the cost of repairig or rebuildig; repair or rebuild; or make a cash paymet for the loss or damage. If repair or rebuildig work is ot carried out, we will pay a amout to cover the reductio i market value of your buildigs resultig from the loss or damage. We will ot pay more tha the cost to us (after ay discout available from our approved suppliers) of repairig or rebuildig the buildigs. I the evet that parts of your buildigs are damaged ad caot be repaired ad, if the damaged item is part of a set ad we caot arrage a exact replacemet, we will replace the whole set as ew. It is your resposibility to keep your home i a good state of repair. Please esure that roofs, particularly flat roofs, are ot showig sigs of wear ad tear or tiled roofs do ot have tiles missig. Your policy does ot cover claims arisig from wear ad tear or gradual deterioratio. We may take off a amout for wear ad tear if: the buildigs are i a poor state of repair; or the cost of rebuildig the buildigs i the same form, size, style ad coditio as whe ew is more tha the sum isured show o your Schedule at the time of loss or damage. The most we will pay for ay oe evet is show o page 4 (uless a differet amout is show o your Schedule). We will ot reduce these limits if you make a claim. If you specify your sum isured ad the rebuildig value of your buildigs is more tha our stadard limit, we will idex-lik the amout for which your buildigs are isured. We will cotiue to idex-lik the sum isured show o your Schedule after you claim for loss or damage isured uder buildigs cover while the buildigs are beig repaired or rebuilt, as log as you take all reasoable steps to make sure the work is carried out straight away. Cotets Premier cover If you suffer loss or damage to ay of your cotets, at our optio we will either: repair (usig a supplier approved by us); or pay the cost of repairig; or arrage for the replacemet as ew usig a supplier approved by us. This may ivolve the issue of vouchers or pre paid cards; or pay the cost of replacig as ew; or make a cash paymet for; the loss or damage. Where we ca offer to repair or replace through our approved suppliers, but we agree to make a cash paymet, the paymet will ot exceed the amout we would have paid the approved supplier. If we caot offer to repair or replace through our approved suppliers, we will pay the full replacemet cost with o discout applied. I the evet that your cotets are lost or damaged, if the lost or damaged item is part of a set ad we caot repair the damaged item or arrage a exact replacemet, we will replace the whole set as ew. You will receive ew for old cover o all your cotets (where repair or replacemet is ot possible) icludig clothig ad lie, however we may take off a amout for wear ad tear if the cost of replacig all your cotets as ew is more tha the sum isured show o your Schedule at the time of loss or damage. The most we will pay for ay oe evet is show o pages 4 ad 5 (uless a differet amout is show o your Schedule). The most we will pay for ay oe valuable is 2,500 uless it has bee specified by you ad is show o your Schedule listed as a specified item. 42 Your policy i detail

43 Optioal cover If you suffer loss or damage to ay of your cotets, at our optio we will either: repair (usig a supplier approved by us); or pay the cost of repairig; or arrage for the replacemet as ew usig a supplier approved by us. This may ivolve the issue of vouchers or pre paid cards; or pay the cost of replacig as ew; or make a cash paymet for; the loss or damage. Where we ca offer to repair or replace through our approved suppliers, but we agree to make a cash paymet, the paymet will ot exceed the amout we would have paid the approved supplier. If we caot offer to repair or replace through our approved suppliers, we will pay the full replacemet cost with o discout applied. I the evet that your cotets are lost or damaged, if the lost or damaged item is part of a set ad we caot repair the damaged item or arrage a exact replacemet, we will replace the whole set as ew. The most we will pay for ay oe evet is show o page 5 (uless a differet amout is show o your Schedule). We will ot reduce these limits if you make a claim, uless the claim is to do with the total loss or a specified item, pair or set or pedal cycle. Your policy i detail 43

44 Geeral Exceptios that apply to the whole policy This policy does ot isure the followig: 1. Ay loss or damage caused deliberately by you or ay perso actig o behalf of you. 2. Ay property (which is ot busiess equipmet) or moey you ow, hold i trust or use i coectio with ay busiess, professio or trade. Nor, ay legal liability arisig directly or idirectly from ay busiess, professio or trade. 3. Ay property or liability isured uder a more specific policy. 4. Ay fall i market value as a result of repairs or reistatemet. 5. Loss or damage as a result of delay, cofiscatio or detetio by order of ay govermet or public authority. 6. Loss where property is obtaied by ay perso usig ay form of paymet which proves to be couterfeit, false, fraudulet, ivalid, ucollectable, irrecoverable or irredeemable for ay reaso. 7. Icidets which took place before the start of this isurace. 8. Ay cosequece of war, ivasio, act of foreig eemy, hostilities (whether war be declared or ot), civil war, rebellio, revolutio, isurrectio or military or usurped power. 9. Ay legal liability, loss or damage to ay property, or ay resultig loss or expese directly or idirectly caused by or cotributig to or arisig from: ioisig radiatio or radioactive cotamiatio from uclear fuel or uclear waste; or the radioactive, toxic, explosive or other hazardous properties of explosive uclear equipmet or its uclear parts. 10. Ay loss, damage or legal liability directly or idirectly caused by pollutio or cotamiatio uless caused by: a sudde ad uexpected accidet which ca be idetified; or oil leakig from a domestic oil istallatio at your home. 11. Loss or damage arisig from: gradually operatig causes wear ad tear corrosio, deterioratio or similar causes wet or dry rot. 12. Loss, damage, cost or expese of whatever ature directly or idirectly caused by, resultig from or i coectio with ay act of terrorism regardless of ay other cause or evet cotributig at the same time or i ay other sequece to the loss. For the purpose of this exceptio a act of terrorism meas the use, or threateed use, of biological, chemical ad/or uclear force by ay perso or group of people whether actig aloe or o behalf of or i coectio with ay orgaisatio(s) or govermet(s) committed for political, religious, ideological or similar purposes icludig the itetio to ifluece ay govermet ad/or to put the public or ay sectio of the public i fear. 44 Your policy i detail

45 Geeral Coditios that apply to the whole policy You must comply with these coditios to have the full protectio of your policy. If you do ot comply with them, we may cacel the policy, refuse to deal with your claim or reduce the sum of ay claim paymet. 1. The policyholder ca trasfer the policyholders iterest i this isurace to someoe else with our writte permissio. 2. Cacellatio If you o loger feel the policy is right for you, you may cacel it withi 14 days of receivig your policy documets ad o admiistratio fee will be charged. If cover has ot yet commeced, you will receive a full refud of the premium. If the isurace cover has commeced, your isurer will give you a pro-rata refud o your premium based o the cover you have had. After the first 14 days, if the policy o loger meets your eeds, you ca still cacel it at ay time. As log as you have ot made a claim uder the policy, or a claim has ot bee made agaist you, your isurer will refud the uused part of your premium. If you have made a claim, or a claim has bee made agaist you, you will ot receive a refud. Saga will charge a admiistratio fee of 35. You ca telephoe Saga o or write to Saga at Saga Services Limited, Middelburg Square, Folkestoe, Ket CT20 1AZ to cacel your policy. Cacellatio is effective from the date your letter is received. Please ote that, if you amed or cacel your policy durig the period of cover as show o your Schedule ad have paid by credit card or cheque, we will be uable to refud ay amouts of 5 or less. Similarly, if you make ay chages to your policy or cacel it durig the policy year, we will oly request ay paymet from you if the amout is over 5. Saga will deduct a admiistratio fee from your refud. We or Saga may cacel this policy by givig you seve days otice by recorded delivery letter. We will sed this otice to your last kow address. We or Saga may cacel this policy by givig you seve days otice by recorded delivery letter to your last kow address as a result of, but ot limited to, oe of the followig reasos: chage i your circumstaces that result i a icrease i risk which we are uable to isure; failure to provide us or Saga with iformatio we or Saga have requested that is directly relevat to the cover provided uder this policy or ay claim; a breach of ay terms or coditios of your policy; we act uder Geeral Coditio 3 Fraudulet Claims; you do ot pay ay policy premium requested or, if applicable, stop payig the istalmet premiums; use or threat of violece or aggressive behaviour agaist our or Saga s staff, cotractors or property; the use of foul or aggressive laguage. This will ot affect your right to make a claim for ay evet that happeed before the cacellatio date. If we cacel the policy we will refud premiums already paid for the remaider of the curret period of isurace, provided o claim has bee made durig the curret period of isurace. 3. Fraudulet claims If we discover that you, aybody isured by this policy or ayoe actig for you has kowigly: made a fraudulet or false claim i full or i part or exaggerated the amout of the claim; misrepreseted ay aswers to our questios or withheld ay relevat iformatio i order to ifluece us to accept a claim; provided false or ivalid documets i support of a claim; or followig a allegatio or suggestio of fraud by us or aother isurer, withdraw a claim, had a claim refused or declied or had a policy cacelled or made void, we will ivestigate the claim ad this could result i legal actio by us. Your policy i detail 45

46 We may: treat your policy as if it ever existed from the date of the fraud or misrepresetatio ad retai ay premium you have paid for these policies; serve you with a seve-day otice of cacellatio o all other policies that you hold with us; ad pass details to the Police ad fraud prevetio agecies; or refuse to pay the whole of your claim if ay part is i ay way fraudulet, false or exaggerated ad recover from you ay costs that we have icurred. 4. You must do all that you ca to avoid ijury, loss or damage ad protect your property. 5. Chages i circumstaces You must tell us as soo as reasoably possible if your circumstaces chage or if ay of the iformatio show i your Statemet of Isurace or Schedule chages durig the period of isurace. Chages that must be advised iclude the followig: you will be leavig the property uoccupied for more tha 60 days; ay work plaed at the property other tha routie repair ad maiteace (uless the routie repair ad maiteace requires the erectig of scaffoldig); the umber of bedrooms i the property has chaged; you or ayoe permaetly livig with you is covicted of ay offece (except motor offeces) or receives a Couty Court Judgemet or declares bakruptcy; the value of your cotets or the rebuildig cost of your property chages; chage to the occupacy of the property e.g. lodgers stayig at the property; chage of occupatio for you or aybody specified o your Schedule; chage of address. This is ot a full list ad you should let us kow if ay of the details you have already give us chage. Oce you have told us about a chage we will reassess your cover ad premium. Should we be uable to cotiue cover we will advise you as per Geeral Coditio 2 - Cacellatio. If you do ot iform us, it is possible that a claim will ot be covered. 6. Save for the rights grated to Saga uder this cotract ay perso or compay who is ot a party to this cotract does ot have ay rights they ca eforce uder this cotract by virtue of the Cotracts (Rights of Third Parties) Act 1999 except those they have by law. 7. Fiacial Services Compesatio Scheme We are covered by the Fiacial Services Compesatio Scheme (FSCS). You may be etitled to compesatio from this scheme if we caot meet our obligatios. This depeds o the type of isurace ad the circumstaces of your claim. Further iformatio about compesatio scheme arragemets is available from the FSCS website 46 Your policy i detail

47 Help ad advice from Saga This advice sectio is to help you ad it does ot form ay requiremet or exclusio as part of the policy. Saga kows that you may eed practical help at ay time, ight or day, so we have arraged these useful helplies which you ca use 24 hours a day, 365 days a year. 24-hour tax advice helplie You ca receive cofidetial advice over the telephoe o persoal tax matters. Specialists are available to give iformatio ad advice o persoal tax problems, ad the tax implicatios of a variety of subjects such as ivestmets, property, trusts, iheritace ad pesios. There is o limit to the umber of times you ca use this service. 24-hour cousellig helplie You ca take advatage of our cofidetial cousellig service over the telephoe icludig, where appropriate, oward referral to relevat volutary or professioal services (at your expese). Calls to this service are ot recorded. Cousellors are qualified ad experieced members of The British Associatio for Cousellig ad Psychotherapy ad are covered by their code of Ethics ad Practice. They are traied to liste ad guide o ay rage of emotioal issues, icludig relatioships, bereavemet, depressio, stress ad axiety. I the evet of a trauma, for example burglary, muggig, or illess, cousellors will talk you through your problems ad help you fid ways of overcomig them. There is o limit to either the legth of your calls, or how ofte you ca use this service. Saga Legal Services sagalegalservices.co.uk The easy way to create official legal documets. If you eed to make a Will, write a letter of complait or draft a legal documet, Saga s Legal Service website cotais a wide rage of professioally writte legal documets that you ca adapt quickly ad easily to suit your eeds. Our olie solicitor ca the check your documet i complete cofidece, help you perfect it ad sed you the fial versio to sig ad use. Saga offers a wide rage of documets free to its customers with Legal Expeses Cover, or for a small fee for o Legal Expeses Cover policyholders. Your policy i detail 47

48 Protectig your property If you are ufortuate eough to suffer loss or damage to your property, your isurace policy ca help put thigs right. However, eve settlig a claim quickly may ot compesate you for the worry ad icoveiece you have suffered. I may cases, you ca prevet loss or damage, so we have listed below some hits to help you protect your property. Fire Make sure that you have proper fire guards for ay ope fires. Check all electrical ad heatig appliaces regularly, especially if you use portable heaters. Make sure that you use the correct fuses ad do ot overload the circuits. Switch off power poits whe you are ot usig them ad remove plugs from all wall sockets at ight, especially televisio sets ad electric blakets. Make sure you get your electrical wirig checked from time to time. Kitches are a major source of fires, so always keep a extiguisher ad a fire blaket hady for a emergecy. Never leave the room if you have a chip pa o. Fit a smoke alarm. Carry out regular checks to make sure that the alarm is workig. Sweep chimeys. Flood If you thik a flood is likely, take as may of your possessios as possible upstairs. Burst pipes Lag all your water pipes ad taks that you ca get to, ot forgettig the loft. If your pipes freeze, tur off the water at the mais ad thaw them out slowly usig hot water bottles. Never use a blowlamp or heater with a aked flame. Theft Fit good-quality locks to all your doors ad widows. Keep doors ad widows locked, especially whe you go out. Fit a chai ad door viewer so you ca check the idetity of callers. (This is like a peep-hole which lets you see callers without beig see). Never let ayoe ito your home if they caot prove their idetity. Leave a light o if you go out i the eveig. Close ad lock your garage, shed ad other outbuildigs whe you are ot usig them. Lock away garde equipmet ad tools, especially ladders. Do ot leave keys outside your home. Whe you go away, cacel all deliveries ad ask a fried or eighbour to move letters off your doormat ad keep a eye o your home. Keep valuables out of sight. Valuatios These ca help keep your policy up to date by esurig that your specified items are adequately covered. Fially, keep a detailed descriptio ad photographs of your property. If you do eed to make a claim, this will help us hadle your claim quickly ad will also help the police i their ivestigatios. If you eed ay more advice, we will be pleased to help. 48 Your policy i detail

49 Notes Your policy i detail 49

50 Notes Your policy i detail

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52 Helplie (Please have your policy umber to had whe callig) Customer service For questios about your policy Moday to Friday 8.30am to 5.30pm, Saturday 9am to 1pm. This Policy Booklet is also available i large prit, audio ad Braille. If you require ay of these formats please cotact us o If you have a hearig or speech impairmet, you ca also cotact us by ig [email protected] Saga Services Limited is a wholly owed subsidiary of Saga plc ad is registered i Eglad ad Wales (Compay No ). Registered Office: Ebrook Park, Sadgate, Folkestoe, Ket CT20 3SE. Authorised ad regulated by the Fiacial Coduct Authority. CSB-HM1286 May 2015 HP/PB/PR/A5/515