Art & Private Client insurance policy SUMMARY OF COVER

Transcription

1 Art & Private Cliet isurace policy SUMMARY OF COVER

2 2 SUMMARY OF COVER DIOCESAN SCHOOLS LEGAL EXPENSES INSURANCE

3 ART AND PRIVATE CLIENT POLICY SUMMARY SUMMARY OF COVER 3 Policy ref: ME /16 What is a policy summary? This documet provides key iformatio about the Ecclesiastical Art ad Private Cliet isurace policy. Please ote that this policy summary does ot cotai the full terms ad coditios of this cotract. These ca be foud i the Art ad Private Cliet policy wordig which is available o our web-site at ecclesiastical.com/ images/art-ad-private-cliet-policy-documet.pdf. If you have ay questios please cotact your isurace broker. Policy ame: Art ad Private Cliet policy. Type of isurace: Home ad cotets isurace. Uderwritte by: Ecclesiastical Isurace Office plc. Helplies ad legal expeses; provided i partership with DAS Legal Expeses Isurace Compay Limited. Travel cover; provided i partership with Speciality Assist Limited, Isurace Admiistratio Services Ltd ad TAMIS. Duratio of your policy: 12 moths from the start date show o your policy schedule. Reewal of your policy: We will sed you otice that your policy is approachig reewal at least 21 days before it is due. Your requiremets may chage over time, so you may beefit from reviewig the value, cover ad level of service provided by your policy.

4 4 SUMMARY OF COVER ART AND PRIVATE CLIENT POLICY SUMMARY Sigificat features ad beefits The Art ad Private Cliet policy is specifically desiged for people with higher value homes or possessios, or for people with listed or period properties or cotemporary homes. Key beefits iclude: Broad cover: Buildigs are isured for all risks All risks for your cotets ad portable possessios, wherever they are i the world Exteded paymet for buildigs if you have accepted our valuatio (or where we ve accepted a alterative valuatio you ve supplied) we will, where ecessary, pay more tha the sum isured to rebuild your property - this applies eve for Grade I listed buildigs Exteded paymet for persoal valuables ad art & atiques if you hold a valuatio which is less tha 3 years old, we will pay the value of the item at the time of loss or damage eve if it is more tha the value show i the valuatio, up to a additioal 50% for each item ad 100,000 i total Persoal valuables, art & atiques are isured o the basis of your valuatios, you do t have to sed us these i advace Persoal valuables, you oly have to tell us about idividual items, pairs or sets worth more tha 17,500 Art ad atiques, you oly have to tell us about idividual items, pairs or sets worth more tha 30,000 Excesses of 500 or less are waived for buildigs ad cotets claims over 10,000 Temporary accommodatio for up to 5 years ad 1,000,000 followig damage to your home Busiess cover ca be icluded i most cases, provided you ve told us about it Liability covers, icludig busiess public liability, idemity limit 10,000,000 Public liability cover for lad ot located at your home, idemity limit 2,000,000 Legal expeses, icludig employmet ad cotract disputes, 100,000 idemity for most covers - 50,000 idemity for iheritace disputes ad defective title A wide rage of helplies from home emergecy to legal advice Trustees ad officers idemity cover, 25,000 idemity A carig ad expert approach: Ecclesiastical is owed by a charity ad doates all surplus profits back to the commuity We have expert i-house art ad private cliet claims hadlers who ca access specialist coservators ad craftsme Our ow i-house surveyors are experieced i valuig all types of heritage ad cotemporary buildigs Additioal cover available at a extra cost Aual travel cover for family members amed o the schedule

5 ART AND PRIVATE CLIENT POLICY SUMMARY SUMMARY OF COVER 5 Sigificat or uusual exclusios/limitatios: For most claims you will have to pay the excess (the first amout of each claim) the stadard excess is 500 for property claims ad 1,000 for subsidece, heave ad ladslip The above excesses may vary by your choice or by our uderwritig decisio, all excesses that apply to you will be show i your quotatio ad policy schedule Uder Exteded paymet for buildigs, there is o limit to the extra we will pay uless your property is valued i excess of 10,000,000 i which case a limit of 30% applies There are some exclusios to all risks cover icludig: maitaiig buildigs or cotets, wear ad tear, atmospheric ad climatic coditios, gradual causes, faulty workmaship, mechaical or electrical breakdow, property beig cofiscated, coastal or river erosio, for full details see Uisurable risks uder the This policy does ot cover sectio of your policy Each sectio of the policy also icludes exclusios specific to that sectio uder the headig of What is ot covered The sums isured you have chose are show i your policy schedule, i additio there are stadard limits i the policy which are show i the policy alogside the cover to which they relate or i the Specific limits part of How we will pay your claim These limits iclude 50,000 for bridges, 100,000 for culverts ad 10,000 for quad bikes (which are covered oly whe stored i your buildigs) For legal expeses, if you choose ot to use DAS s preferred law firm, we ll oly pay based o the amout we would have paid DAS s preferred law firm ad we exclude claims which do ot have reasoable prospects of success For Defective title cover uder Legal expeses (which helps you with disputes over the owership of art you have purchased) it is a requiremet that the art has bee purchased i the UK If you have the optioal travel cover, at all times you must tell us if ay of the persos to be icluded have certai medical coditios, are uder medical ivestigatio, are awaitig tests or have received a recet chage i medicatio, these are as fully listed i Coditio 3 of the Travel sectio Travel cover excludes travel agaist medical or Foreig or Commowealth Office advice ad withi 12 weeks of the expected date of birth if you are pregat Travel cover ceases for a isured perso oce they reach the age of 76 Cacellatio rights: You have a right to cacel the policy withi 14 days of receivig your policy documets. This is show i your policy uder the headig Cacellig your policy i the Geeral Coditios. This Geeral Coditio also explais your right to cacel outside of the coolig off period ad our right to cacel your policy uder certai circumstaces.

6 6 SUMMARY OF COVER ART AND PRIVATE CLIENT POLICY SUMMARY Claims service: You ca make a claim through your isurace broker or directly, usig your preferred method from the Makig your claim sectio of the policy. This cotais full details of all the ways to claim, icludig UK ad o-uk telephoe umbers ad addresses. The mai telephoe cotact umbers are: For all claims other tha home emergecy, legal expeses or travel: Call us o For Home emergecy claims: Call DAS Legal Expeses Isurace Compay Limited o For legal expeses claims: Call DAS Legal Expeses Isurace Compay Limited o For 24 hour emergecy travel assistace ad advice: Call the Assistace Compay o + 44 (0) Complaits: If you are uhappy with our products or service, please cotact us as soo as possible. You ca complai i writig or verbally at ay time to: For all complaits other tha Legal expeses ad Home emergecy complaits: Ecclesiastical Isurace Office plc Beaufort House Bruswick Road Gloucester GL1 1JZ Tel Complaits@ecclesiastical.com For Legal expeses or Home emergecy complaits: DAS Legal Expeses Isurace Compay Limited DAS House Quay Side Temple Back Bristol BS1 6NH Tel customerrelatios@das.co.uk Our promise to you: We will aim to resolve your complait withi oe busiess day. To resolve your complait we will Ivestigate your complait diligetly ad impartially withi Ecclesiastical Keep you iformed of the progress of the ivestigatio For more complex issues, we may eed a little loger to ivestigate ad we may ask you for further iformatio to help us reach a decisio Respod i writig to your complait as soo as possible

7 ART AND PRIVATE CLIENT POLICY SUMMARY SUMMARY OF COVER 7 If you re ot satisfied with our respose, or we have ot completed our ivestigatio after eight weeks, we ll iform you of your right to take the complait to: Fiacial Ombudsma Service Exchage Tower Lodo E14 9SR Tel: complait.ifo@fiacial-ombudsma.org.uk Website: This complaits procedure does ot affect your right to take legal proceedigs. Fiacial Services Compesatio Scheme (FSCS): The FSCS is the idepedet body, set up by Govermet, which gives you your moey back if your authorised* fiacial services provider goes bust. The FSCS protects a rage of products for both idividuals ad small busiesses. Limits apply depedig o the product you have bought. The FSCS does ot charge idividual cosumers for usig its service. The FSCS caot help you if the firm you have doe busiess with is still tradig. For further iformatio o the scheme you ca visit the website at or write to them at: Fiacial Services Compesatio Scheme 10th Floor, Beaufort House 15 St Botolph Street Lodo EC3A 7QU. Tel: or Fax: equiries@fscs.org.uk The FSCS ca oly pay compesatio for customers of fiacial services firms authorised by the PRA or the FCA. Law applyig The policy will be govered by Eglish law uless you live i Scotlad i which case the law of Scotlad will apply (except the Legal expeses sectio which is subject to the law of that part of the Uited Kigdom, Chael Islads or Isle of Ma where you ormally live). I the case of a dispute as to which law applies, it will be Eglish law.

8 Ecclesiastical Isurace Office plc (EIO) Reg. No Ecclesiastical Isurace Group plc (EIG) Reg. No Ecclesiastical Life Ltd (ELL) Reg. No E.I.O. Trustees Ltd Reg. No All compaies are registered i Eglad at Beaufort House, Bruswick Road, Gloucester, GL1 1JZ, UK. EIO ad ELL are authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority. Ecclesiastical Isurace Office plc /1/0716