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

Transcription

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

2 Leisure Home i n s u r a n c e Park Home Insurance Terms of Business Agreement 01 The Financial Conduct Authority From 1/4/2013 The Financial Conduct Authority is the independent watchdog that regulates financial services. Leisure Home Insurance is an appointed representative of Leisure Home Insurance PLC which is authorised and regulated by the Financial Conduct Authority. Our FCA Register number is You can check our status at: or by contacting the FCA on Our permitted business includes advising, arranging, dealing in and assisting with the placing & administration of General Insurance policies. Confidentiality & data protection We will treat all your personal information as private and confidential to us and anyone else involved in the normal course of arranging and administering your insurance, even when you are no longer a customer. We will not give anyone else any personal information except on your instructions or authority, or where we are required to do so by law, or by virtue of our regulatory requirements. We may use information we hold about you to provide information to you about other products and services, which we feel may be appropriate to you. Under the Data Protection Act 1998 you have the right to see personal information about you that we hold in our records. If you have any queries please write to us at our usual office address. Our service We are a specialist insurance intermediary, who acts on our customers behalf in arranging insurance. Our services include: advising you on your insurance needs; arranging your insurance cover with insurers to meet your requirements; and helping you with any ongoing changes you have to make. As part of our service, we will act on behalf of the insurers when handling claims, however we will tell you what your responsibilities are in relation to making claims. Whose products we offer We offer a variety of products, all of which are provided by certain underwriters at Lloyds. The service we will provide you with We will advise and make a recommendation for you after we have assessed your demands and needs. Our advice will be confirmed in a demands & needs and suitability statement, giving reasons for our recommendation. As part of our service, and to speed up the claims process, we normally settle small claims in-house. When doing so, we are acting on behalf of the insurer and, if you feel that we are not treating you fairly, you have the right to refer the claim to them. What you will pay for our services We usually receive a commission from the insurer with whom we place your business and do not charge arrangement fees. Refund policy & charges Mid term cancellations are refunded on a pro-rata basis. We will charge a 25 administration fee. The minimum amount refundable is 12 after deduction of our administration fee. If you wish to cancel your policy mid-term, please advise us of the date you wish cover to stop. If this request is given verbally you will also need to advise us by way of letter, fax or . Any amount due will be refunded via the payment method chosen when cover began, unless agreed otherwise. The specific charge and purpose of any additional charges will always be advised to you in advance. What to do if you have a complaint Our aim is to provide a first class service, however, if you wish to register a complaint, please contact us by writing to: Mr. S. Munro, Leisurefame House, 37 Clacton Road, St.Osyth, Essex. CO16 8PA Or; by phone: , by fax: , or by steve.munro@nacoservices.com 02 Important Information: Park Home Insurance

3 We will provide you with a copy of our full complaints procedure and respond to you as a matter of urgency, and always within 2 working days. Your complaint may be forwarded to Lloyd s for consideration, but in any event you will receive a final response within eight weeks. If your complaint relates to activities or services provided by another party, we will ensure that it is appropriately forwarded, and will track the progress of the complaint and responses of that party. If you remain dissatisfied after the final response has been issued, you have six months in which to refer the matter to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. The FOS Consumer Helpline is: Their address is: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR Your right to cancel You have the right to cancel your policy during a period of 14 days from either the day of purchase of the contract or the day on which you receive your policy document, whichever is the later. Providing you have not made a claim we will refund the premium. If you wish to cancel a policy you must advise us in writing, prior to expiry of the 14-day cancellation period, to our usual office address. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS is the UK s compensation fund of last resort for customers of authorised financial services firms. For more information please go to their website - Payment options We accept payment by Credit Card, Debit Card, Cheque, Postal Order or Cash at the office. If you choose to pay by Credit Card there will be a fee, which will not exceed We may also offer you the facility to pay by monthly instalments. This service is provided by NACO Finance Limited. Please be aware that failure to pay instalments may result in the cancellation of your insurance policy. We will give you full information about your payment options when we discuss your insurance in detail. Language used The English language will be used for all communications, the contractual terms and conditions, and any information we are required to supply to you, before and during the duration of the contract. Information on how we treat payments you make to us Under the terms of our agreement with certain underwriters at Lloyds with whom we place business, we receive premiums you pay to us as Agent of the Insurer. All insurance premiums you pay to us are protected in a Trust Account until we pay the insurer. Age limits Our Park Home Policy is available on homes that are 20 years or younger. Consumers responsibility to provide information You must take reasonable care to answer all questions honestly and to the best of your knowledge, and if you volunteer any other information, you must ensure that the information is not misleading. If any information that you have provided to us changes before you take out your insurance, during the life of the policy or at renewal, you must inform us of the change. If you deliberately, recklessly or carelessly misrepresent any information in relation to this insurance then your policy may be cancelled, or treated as if it never existed, or your claim rejected or not fully paid. Version B Jan 14 Important Information: Park Home Insurance 03

4 Leisure Home i n s u r a n c e Park Home Insurance Summary of Cover 02.1 This summary provides key information only about insurers and the insurance cover available within the Leisure Home Insurance policy. This summary does not contain the full terms and conditions of the insurance, which can be found in the policy. The policy is available on our website - if internet access is not available to you we will supply a copy upon request, but if you are in any doubt as to the cover afforded you should consult us on About the insurer: All of Leisure Home Insurance PLC s policies are underwritten by certain Underwriters at Lloyd s. Both the Society of Lloyd s and Underwriters at Lloyd s are authorised and regulated by the Financial Conduct Authority. The cover available: This insurance policy is tailored for owners on UK parks who use their units as their main residence. Our service commitment to you: Our aim is to ensure that all aspects of your insurance are dealt with promptly, efficiently and fairly. At all times we are committed to providing you with the highest standard of service. If you have any questions or concerns about your policy or the handling of a claim you should: In the first instance please contact us by writing to: Mr. S. Munro, Leisurefame House, 37 Clacton Road, St.Osyth, Essex. CO16 8PA Or; by phone: , by fax: , or by steve.munro@nacoservices.com We will provide you with a copy of our full complaints procedure and respond to you as a matter of urgency, and always within 2 working days. Your complaint may be forwarded to Lloyd s for consideration, but in any event you will receive a final response within eight weeks. If your complaint relates to activities or services provided by another party, we will ensure that it is appropriately forwarded, and will track the progress of the complaint and responses of that party. If you remain dissatisfied after the final response has been issued, you have six months in which to refer the matter to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. The FOS Consumer Helpline is: Their address is: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR 04 Important Information: Park Home Insurance

5 Your total peace of mind: We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS is the UK s compensation fund of last resort for customers of authorised financial services firms. For more information please go to their website - The law applicable to this insurance: English law will apply to this policy. In this policy the term English law includes Scottish law for policyholders based in Scotland. Home: The structure of your home which is occupied by you as a private dwelling. This includes its fixtures and fittings, steps, skirting, sheds, storage boxes, decking, verandahs, porches, awnings, flotation devices, services and any unfixed furniture the manufacturer provided at the time you bought the home. Contents: Household goods and all other personal, property you own or are responsible for contained within the home excluding: motor vehicles, caravans, trailers, watercraft, boats, canoes, sailboards, hovercraft, aircraft and their parts and accessories. Any living thing other than house plants kept in the home. Plans, drawings, deeds, documents, securities or certificates of any kind which are not defined as money, property held or used wholly or partly for business or professional purposes. Policy excess: The standard policy excess is 100. Duration of this insurance: The period of insurance will be for 12 months unless otherwise agreed by us. The period of insurance will be shown in the schedule. Cooling off period: You have the right to cancel your policy within 14 days of you paying the premium or receiving your policy document, whichever is later. As long as you have not made a claim within this period, we will refund the premium. How to make a claim under this insurance: Naturally we hope you won t have any accidents or misfortune, but if you do and wish to make a claim under this insurance please call us on as soon as possible. Version B Jan 14 Important Information: Park Home Insurance 05

6 Leisure Home i n s u r a n c e Park Home Insurance Summary of Cover 02.1 Key Benefits: Home and contents are covered for loss or damage caused by: Fire, explosion, smoke, lightning and thunder, earthquake, aircraft and other flying devices. Theft or attempted theft. Riot, civil commotion, strikes, labour and political disturbances. Vandalism and acts of malicious persons. Water escaping from water tanks, pipes, fixed equipment or fixed heating installations. Storm and weight of snow Falling trees or branches. Impact by any vehicle, animal or by articles dropped or falling from them. Flood Subsidence, heave or landslip of the land on which the buildings stand. Significant Exclusions or Limitations: a) While the home is unoccupied, b) Occurring while the home or any part of it b) is lent, let or sub let c) The excess a) Caused by any person lawfully in the home, b) While the home is unoccupied. c) The excess a) While the home is unoccupied. b) The excess The excess The excess a) By insects birds or domestic pets. b) The excess The excess An excess of 500 each and every loss Policy Section: 06 Important Information: Park Home Insurance

7 Key Benefits: Home and contents are covered for loss or damage caused by: Accidental damage. Contents in the open. Contents stored in outbuildings. Debris removal & resiting costs. Domestic freezer contents. Replacement of locks following theft or loss of keys. Your legal liability up to 5,000,000 for any one accident or series of accidents arising out of one event. Significant Exclusions or Limitations: a) Frost, damp, corrosion, rust, wet or dry rot, a) fungus, insects, vermin, woodworm, a) domestic pets, wear and tear, the cost of a) repairing or replacing electrical or mechanical a) equipment following its breakdown or a) misuse, faulty workmanship, defective a) design or the use of defective materials, a) any process of cleaning, dying, repair, a) renovation or alteration, occurring while a) the home is unoccupied, occurring while a) the home or any part of it is lent, let a) or sub-let, to domestic pets or livestock. b) Damage caused as a result of other b) damage specifically excluded elsewhere b) in this policy. c) The excess. Other than money, up to Loss or damage caused by storm or flood. Up to Up to 15,000. Up to 300 Up to 250 Liability arising from your trade, profession or employment, ownership, use or possession of mechanically propelled vehicles other than domestic garden equipment. Policy Section: Page 11 Page 12 Page 16 Page 12 Page 13 Page 13 Page 14 Personal Possessions Cover is available at an additional cost, please contact us for more information. Version B Jan 14 Important Information: Park Home Insurance 07

8 How to get in touch with us Version 1b Jan 14