Tenants Home Contents Insurance Application Form

Transcription

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

2 Viewpoint Housing Association have been working with UK General Insurance to design a Home Contents Insurance scheme for our tenants. This leaflet gives you a summary of the cover provided and shows how much it will cost. There are no hidden costs and what you see is what you pay. Payment is easy and paid along with your rent and services charges. How to calculate your Sum Insured Go through each room in your home and add up how much it would cost to replace all of your belongings. The table below will help you calculate this. Lounge TV, DVD, audio and visual equipment Other valuables Kitchen Appliances Cooking utensils etc Cleaning equipment Food and drink Other valuables Hall, stairs and landing Dining Room Bathroom Fixtures and fittings Bedrooms Linen and bedding TV, DVD, audio and visual equipment Valuables Other rooms Total sum insured Replacement Cost

3 What it will cost The table below shows how much the cover will cost. The standard cover includes full Accidental Damage cover and up to 1000 Personal Possessions. There is the option to add cover for Wheelchairs and Hearing aids and increase the sum insured for Personal Possessions for an extra cost. Please refer to the summary of cover for details on what is covered. Sum Insured Monthly Charge 10, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Hearing Aids & Wheelchairs Extension Monthly Charge 1, , , Personal Belongings Extension Monthly Charge 2, , All premiums are inclusive of Insurance Premium Tax at the current rate

4 Summary Of Cover Please note, this is only a brief summary of what the policy covers. Full details are detailed within the policy wording. A copy of the wording is available upon request. Your household contents and personal belongings - furniture, TV, clothing, carpets and electrical goods - are insured against loss or damage while they are in your home. The insurance covers specified circumstances including theft, vandalism, fire, flood and escaping water (e.g. from a washing machine or bath) Tenants liability - Up to 20% of the sum insured for damage to buildings and internal decorations Accidental damage to the contents of your home Freezer contents - Contents Sum Insured Locks and keys - Up to Accidental Death benefit as a result of an accident in the home, while travelling as a fare paying passenger by train, bus or taxi or an assault in the street. Contents whiles in the open on the land belonging to your home are insured against loss or damage in specified circumstances including theft, fire and flood - up to 250 Student possessions which belong to or are the legal responsibility of students while temporarily removed from your home to student lodgings are insured against loss of or damage in specified circumstances including theft, fire and flood - up to 2500 Theft of money by bogus officials - up to 300 Trees, shrubs, plants hedges and lawns on the land belonging to your home are insured against specified circumstances including theft, fire and vandalism - up to 250 Valuables are items which are particularly prone to theft, such as jewellery, watches clocks, articles of precious metal, pictures, works of art and stamp, coin and medal collections. Valuables are covered in total up to 1/3 of the contents sum insured and a single item limit of 1,250 applies Excess There is an Excess of 50 for every claim made under this policy Optional Extras Personal Belongings, Hearing Aids and Wheelchairs - up to 3000 worth of cover for each one can be selected to cover these items in or away from the home. Please note this Policy is not a maintenance contract, it does not cover all losses. The Policy does not cover: Loss or damage by scorching without a fire actually starting Loss or damage by wear and tear, maintenance, electrical, mechanical or electronic breakdown, leaks and anything which happens gradually, radioactive contamination, war risks, sonic bangs, pollution or contamination, rot, date change and computer viruses and terrorism. Any items used for business or professional purposes Losses by certain causes when the home has been unoccupied for more than 45 days in a row VP0001A 01/12

5 Application Form Name of Applicant 1 (Mr/Mrs/Miss/Ms) Date of Birth Name of Applicant 2 (Mr/Mrs/Miss/Ms) Date of Birth Joint applicants must be named and must sign this form otherwise cover for them will not be in force. Address of your home to be insured Occupations: Applicant 1: Applicant 2: Rent Reference Number Telephone Number Amount of insurance cover required (to the nearest 1,000) Do you require the extension in cover for Personal Belongings? (to the nearest 1000 see cost of cover tables) Do you require the extension in cover for Wheelchairs? (to the nearest 1000 see cost of cover tables) Do you require the extension in cover for Hearing Aids? (to the nearest 1000 see cost of cover tables) Date you want the insurance to start from Postcode (Cover cannot be backdated, and only commences after the application has been accepted by Viewpoint Housing Association) Whenever we ask questions on the application form about your family, we mean you or any of the following people providing they normally live with you; your husband, wife or partner; children (including foster children) your relatives; your domestic employees 1. Have you or any member of your family who normally live with you at your current address or elsewhere: a. Had any household contents claims in the last 5 years? You must tell us about all claims made even if declined, withdrawn or if no payment or benefit was received. b. Ever had insurance cancelled, declined or declared void or had special terms or conditions applied? c. Ever been convicted of any criminal offence (please ignore any parking/motoring offence that did not involve a custodial sentence or any offences which are spent under the Rehabilitation of Offenders Act 1975) 2. Has your property not been affected by flood within the last 10 years and is not within 400m of a river, stream or an area exposed to flooding? 3. Will the home be left unoccupied for a total of more than 45 days in a year? If you have answered yes to the above questions, please give details on a separate sheet of paper. It is important that the Sum Insured is sufficient to replace ALL household goods and personal belongings If the Sum Insured is inadequate, you will have to bear a proportion of any claim. Signature of Applicant 1 Signature of Applicant 2 Date Date

6 Important Information This Policy is arranged by UK General Insurance Ltd on behalf of Ageas Insurance Limited, Registered in England No Registered Office: Ageas House, Tollgate, Eastleigh, Hampshire, S053 3YA. UK General Insurance Limited and Ageas Insurance Limited are authorised and regulated by the Financial Services Authority. This can be checked on the FSA s register by visiting the FSA s website at or by contacting them on Cancelling the Policy If having examined your policy you decide not to proceed with the insurance, you will have 14 days to cancel it starting on the day you receive the policy documentation. On receipt of your written notice, we will refund any premiums already paid, unless we have already been notified of a claim. You may cancel your policy by giving us 14 days notice in writing. We will confirm cancellation in writing. If you do not receive written confirmation of cancellation it may mean your cover has not been cancelled so You should contact us. You may have to continue to pay premiums until you receive our acknowledgement. We can cancel your policy by giving you at least 14 days notice at your last known address. This will not affect your rights to make a claim for any event that happened before the cancellation date. If we cancel your policy we may refund premium paid for the remainder of the current period of Insurance. Compensation Scheme Ageas Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim. You can get more information about compensation scheme arrangements from the FSCS or visit Data Protection Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area. VP0001A 01/12