If it matters to you, it matters to us.

Transcription

1 Home insurance

2 If it matters to you, it matters to us. We can provide you with a range of home insurance options to bring you and your family more peace of mind. Your home is probably the most valuable thing you have. We ll help you rest easy, by covering what matters. So although we can t be there to stop a spillage, divert a water leak or prevent damage to plants in your garden, we can provide cover to help put it right. Home insurance policies are underwritten by U K Insurance Limited. Home Emergency and Legal Assistance are underwritten by DAS Legal Expenses Insurances Company Limited. Our discounts on home insurance could save you money 20% introductory discount when you take out new buildings and contents cover together. Minimum premiums apply. Discount does not apply to Home Emergency or Legal Assistance. Up to 35% no claim discount on your annual home contents insurance premium and up to 10% no claim discount on your annual buildings insurance premium with us if you have been claim-free for up to 5 years. Minimum premiums apply. Discount does not apply to Home Emergency or Legal Assistance. nationwide.co.uk/insurance in branch

3 Insure your home and what s in it We offer two policies to choose from. So you can pick the cover that suits your lifestyle and your budget. Limits and exclusions apply, refer to the policy document or policy summary for more information at nationwide.co.uk/homeinsurance under the Important Information section. Our highest level of cover Building sum insured unlimited for eligible properties* Contents sum insured up to 100,000 Matching sets and suites so if one part of your matching living room or bathroom suite is damaged and can t be repaired or replaced, we ll pay the cost of a whole new set Accidental damage including damage by pets which might occur if they re occasionally mischievous Cover for your personal possessions away from the home like your mobile phone or designer sunglasses up to 5,000 (single item limits apply) Contents in the garden like your new gas BBQ, lawnmower or patio furniture up to 6,000 Essentials Our standard level of cover Building sum insured up to 1 million for eligible properties* Contents sum insured up to 50,000 Contents in the garden like your new gas BBQ, lawnmower or patio furniture up to 1,000 Cost of fixing the damage caused to trace and access a leak up to 5,000 Theft and loss of keys up to 500 Optional extras: Accidental damage to either building and contents and Personal Possessions cover away from home can both been added for an additional premium. * Providing the property is not listed or built before 1760 and does not have more than 6 bedrooms. Cost of fixing the damage caused to trace and access a leak up to 10,000 Theft and loss of keys up to reasonable cost * Providing the property is not listed or built before 1760 and does not have more than 6 bedrooms.

4 What we cover Here are highlights of our policies and what they cover. These should be read in conjunction with the policy document or policy summary which contain further information about the features, benefits and limits and exclusions that apply. Please ask in Branch or go online: nationwide.co.uk/homeinsurance for a copy of the policy summary. Buildings Essentials Features Explained Please note that exclusions and limits apply Key Features Building sum insured limit 1 million Unlimited Provides cover for standard construction properties Accidental damage (buildings) Optional Standard From putting your foot through the loft to spilling paint down the outside of your house, covers the cost of replacing or repairing Accidental damage caused by pets Cover for damage caused by pets if they re occasionally mischievous Theft/loss of keys 500 Reasonable cost Covers the cost of replacing locks and keys if your keys are lost or stolen Other Features Trace and access 5,000 10,000 Covers the cost of fixing the damage caused to access a leak Property owners' liability 2 million 5 million Covers you and family living with you against a claim or lawsuit resulting from injuries or property damage to others caused accidentally by you Alternative accommodation 25,000 50,000 If you need to move out of your home because of an insured event like fire or flooding, you have cover for the cost of alternative accommodation No Claim Discount No Claim Discount of 10% on buildings cover for customers who have been claim-free for 5 years. If you haven't reached 5 years of no claims yet, you will still be entitled to a discount for being claim-free for a year or more. Minimum premiums apply. Discount does not apply to Home Emergency or Legal Assistance No Claim Discount Protection Optional Optional No Claim Discount Protection: Option to protect the No Claim Discount (for an additional premium) for customers with a No Claim Discount of 5 years or over Contents Essentials Features Explained Please note that exclusions and limits apply Key Features Contents sum insured limit 50, ,000 Contents cover is provided as standard with the option to increase the amount Valuables in the home 30% of contents sum insured Single item limit 2,000 30% of contents sum insured Single item limit 4,000 Such as jewellery, watches, coins and medals that belong to you Personal possessions Optional 2,500 Standard 5,000 Which you wear or carry outside of your home such as digital cameras Bicycles in the home Up to contents sum insured Up to contents sum insured Covers the cost of replacing your bicycles if they are stolen or damaged in the home Accidental damage (contents) Optional Standard Covers the cost of replacing or repairing, such as a red wine spill on your rug Matching sets and suites If one part of a matching set is damaged and can't be repaired or replaced we'll pay the cost of a whole new suite Theft/loss of keys 500 Reasonable cost Covers the cost of replacing locks and keys if your keys are lost or stolen Accidental damage caused by pets Cover for damage caused by pets if they re occasionally mischievous Other Features TV and video accidental damage (AD) If AD selected Cover for accidental damage to home entertainment equipment such as your TV Plants in the garden 1,000 ( 250 maximum per plant) 2,500 ( 500 maximum per plant) Cover for loss or damage to plants in your garden. Includes trees and shrubs Digital information 1,000 3,000 We ll replace things you ve bought and downloaded online, including music, films and games Contents in the garden 1,000 6,000 Cover for your contents outside, whilst in the boundaries of your home, such as your BBQ, lawnmower or patio furniture Contents temporarily removed 5,000 10,000 Cover for items you temporarily remove from your home within the British Isles Contents in outbuildings 2,500 5,000 Cover for the cost of replacing your contents if they are stolen from a garage or outbuilding, for other perils, such as fire, your contents would be covered up to your contents sum insured amount. Student belongings 5,000 10,000 If you have children studying away from home (within the British Isles), their belongings are covered for loss and damage No Claim Discount No Claim Discount of 35% on contents cover for customers who have been claim-free for 5 years. If you haven t reached 5 years of no claims yet, you will still be entitled to a discount for being claim free for a year or more. Minimum premiums apply. Discount does not apply to Home Emergency or Legal Assistance No Claim Discount Protection Optional Optional No Claim Discount Protection: Option to protect the No Claim Discount (for an additional premium) for customers with a No Claim Discount of 5 years or over

5 Home insurance cover benefits explained Buildings Cover Covers the cost of rebuilding your home and any outbuildings (including patios, drives and permanent fixtures and fittings) as a result of fire, storm, flood, theft, vandalism, escape of water or subsidence. We will provide an unlimited sum insured for Home Insurance or up to 1 million with Essentials for eligible properties (providing the property is not listed or built before 1760 and does not have more than 6 bedrooms). Contents Cover Provides cover against theft, vandalism, fire, storm, flood and escape of water for all your household goods including non-permanent fixtures and fittings and personal belongings that are in your home, garage and shed. On a new-for-old basis, we will provide cover for up to 100,000 on and 50,000 on Essentials. Cover for theft from a garage or outbuilding is limited to 5,000 for and 2,500 for Essentials. Valuables Cover for any of your valuable items that are kept in your home such as jewellery, pieces of art or even a coin collection. We automatically provide cover for up to 30% of your contents sum insured but we do need to know about any items that are worth that little bit more just to be sure that they are covered. So let us know about any item that is worth more than 2,000 as it may need to be listed on your policy. Personal Possessions Cover for any of your possessions that are designed to be worn, used or carried outside of the home such as your mobile phone, laptop or even your designer sunglasses. We will provide cover for up to 2,500 on Essentials if you choose to add it. With the cover is included automatically up to 5,000. Please let us know about any personal possession that is worth more than 2,000 as it may need to be listed on your policy. Bicycles If you re a cyclist and are in need of cover for your bicycle away from the home then you ll be pleased to know that they are included as part of our personal possessions cover. We will provide cover for up to 500 per bicycle on Essentials if you choose to add personal possessions cover to your policy, and up to 1,000 per bicycle automatically on. You ll need to let us know about any of your bicycles that are worth more than 500 to ensure they are specifically covered by your policy. Accidental Damage Provides you with additional insurance against accidental damage to your building and contents, for example; if you were to drill through a pipe or wall (buildings), spill paint on your carpet or accidentally damage your home entertainment equipment (contents). We will provide Accidental Damage cover as standard on and as an optional extra with Essentials (additional premiums apply). Policy Excess You can select a policy excess on both and Essentials. These are in multiples of 50, from This is the amount you will need to pay towards the cost of a claim. The following compulsory excesses apply to both Home Insurance and Essentials. These are not in addition to the policy excess you have chosen: Subsidence, heave and landslip 1,000 Escape of water 350 No Claim Discount Provides you with a discount on your premium of up to 10% of Buildings and up to 35% on Contents as a reward for not making a claim on your policy. Ranging from 1 to 5 years, the discount is available at point of purchase and during the lifetime of the policy and is offered under Home Insurance and Essentials. Minimum premiums apply. Discount does not apply to Home Emergency or Legal Assistance.

6 Home insurance additional cover options Legal Assistance cover With optional Legal Assistance cover you can call a team of lawyers for legal support. You ll be covered for legal costs up to 50,000 to negotiate your legal rights in the following situations: employment contract disputes goods or services contract disputes bodily injury to you property disputes, including nuisance and trespass defence of prosecutions against you as an employee defence of motoring prosecutions defence of personal tax enquiries. We will provide cover if your claim has reasonable chances of success, as assessed by us or a law firm appointed by us and the incident occurred during the period of cover by your Nationwide home insurance. Further limits and exclusions apply, please see the policy document for details. Legal Assistance add for per year. Making a claim on Legal Assistance will not affect your home insurance no claims history. No Claim Discount Protection When you have reached five years without making a claim, you will also have the option to protect the no claim discount for an additional premium. This means you will be able to make a claim against your policy without losing your no claim discount. Conditions apply. Home Emergency cover With optional Home Emergency cover you ll receive 24 hour assistance if a home emergency occurs and you need a tradesman to make your home safe, secure and prevent further damage. You are covered for up to 500 to deal with emergency problems such as: roof damage plumbing and drainage problems main heating system failure domestic power supply failure toilet unit damage or failure damage to doors and windows loss of keys vermin infestation. You are covered for incidents that are sudden, unexpected and require immediate corrective action. You are not covered for day to day maintenance of your property. Further limits and exclusions apply, please see the policy document for details. Home Emergency add for per year. Making a claim on Home Emergency will not affect your home insurance no claims history. You work hard for your home. Our home insurance works hard for you. All call centres are UK based and if you have a home emergency you can call the 24 Hour Home Emergency helpline and be put in touch with a qualified tradesperson who can help. Plus, if you needed to move out of your home because of an event like fire or flooding, you have cover for the cost of alternative accommodation (limits apply). So you, your family and even your family pets would have a place to call home while your house is put right. Home Emergency and Legal Assistance are underwritten by DAS Legal Expenses Insurance Company Limited. The legal advice service is provided by DAS Law Limited and/or a preferred law firm on behalf of DAS.

7 Visit nationwide.co.uk/insurance Call Just ask in branch When you have finished with this leaflet please recycle it. Nationwide cares about the environment this literature is printed in the UK with biodegradable vegetable inks on paper from well managed sources. We are able to provide this document in Braille, large print or audio format upon request. Your local branch will arrange this for you or you can contact us on All national calls from a BT landline are charged at a local rate, calls from other networks may vary. International call charges apply when phoning from abroad. When calling from a mobile, your operator s call charges will apply. Nationwide home insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England and Wales No U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Calls may be recorded. Home Emergency and Legal Assistance are underwritten by DAS Legal Expenses Insurance Company Limited. The legal advice service is provided by DAS Law Limited and/or a preferred law firm on behalf of DAS. Nationwide Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number You can confirm our registration on the FCA s website, or by contacting the FCA on Nationwide Building Society. Head Office: Nationwide House, Pipers Way, Swindon, Wiltshire SN38 1NW. P2431 (April 2016)