Document of home insurance. Home Insurance. A guide to your cover and how to make a claim. Keep me somewhere safe

Transcription

1 Documet of home isurace Home Isurace A guide to your cover ad how to make a claim Keep me somewhere safe

2

3 Cotets Page Welcome to ABC Isurace 2 Your ABC home isurace policy 3 Fraud prevetio ad detectio 4 Useful iformatio 5 Defiitios 6 Sectio 1 Buildigs 8 Settlig claims Buildigs 14 Sectio 2 Cotets 15 Sectio 3 Persoal Possessios 24 Sectio 4 Pedal Cycles 25 Settlig claims Cotets, Persoal Possessios ad Pedal Cycles 26 Geeral coditios 28 Geeral exclusios 32 Edorsemets 34 How we use your iformatio 42 Importat iformatio 43 Documet of home isurace 1

4 Welcome to ABC Isurace Thak you for choosig to purchase a ABC Isurace policy. Your ABC isurace policy is uderwritte by Liverpool Victoria Isurace Compay ltd. ABC Isurace is part of the Liverpool Victoria group of compaies. Fouded i 1843 Liverpool Victoria, which also trades as LV=, is the UK s largest friedly society ad a major provider of isurace ad fiacial services products. As a friedly society ad mutual, Liverpool Victoria exists wholly for the beefit of its members. It has o shareholders takig a share of its profits. Istead it ivests its profits i makig its products competitive ad deliverig a outstadig customer service. Our claims service goes the extra mile. Committed to doig the right thig for policyholders ABC aim to settle claims quickly, eve i the most difficult circumstaces. If you would like to lear more about ABC Isurace or Liverpool Victoria please visit our websites at: Joh O Roarke Maagig Director Liverpool Victoria Isurace Compay Limited 2 Documet of home isurace

5 YOUR ABC HOME INSURANCE POLICY You should read this documet of home isurace ad the schedule as oe cotract. It is our agreemet with you based o the iformatio you gave us or the iformatio give o your behalf, which is recorded i the statemet of facts. I retur for your premium we will give you isurace for liability, loss or damage which happes durig the period of isurace stated o your schedule. This will be i lie with the sectios of this documet of home isurace, which are show as applyig o your schedule. The laws that apply to this cotract Uless we agree with you to apply the laws of aother coutry, Eglish law will apply to this cotract. All commuicatios will be i Eglish. Joh O Roarke Maagig Director Liverpool Victoria Isurace Compay Limited Documet of home isurace 3

6 FRAUD PREVENTION AND DETECTION 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. We ad other orgaisatios may also access ad use this iformatio to prevet fraud ad moey lauderig, for example, whe: checkig details o applicatios for credit ad credit related or other facilities maagig credit ad credit related accouts or facilities recoverig debt checkig details o proposals ad claims for all types of isurace checkig details of job applicats ad employees Please cotact us at GFC, LV=, Couty Gates, Bouremouth, BH1 2NF if you wat to receive details of the relevat fraud prevetio agecies. We ad other orgaisatios may access ad use from other coutries the iformatio recorded by fraud prevetio agecies. Some of the registers we make use of are: The Claims ad Uderwritig Exchage (CUE), which is ru by Isurace Database Services Ltd. The CUE database is used by the majority of the UK s leadig isurers ad cotais details of most motor ad household isurace claims. Isurace Huter, this is a cetral isurace ati-fraud system to which other isurers also have access. This database is desiged to combat activities such as idetity theft ad moey lauderig. To protect your iterests, we will check ay iformatio provided agaist these registers for completeess ad accuracy. If we fid that false or iaccurate iformatio has bee give to us, or we suspect fraud we will take actio, which ultimately could result i prosecutio. 4 Documet of home isurace

7 USEFUL INFORMATION To make a claim (24 hours a day, 365 days a year) Follow these simple steps: 1. Check you are covered by lookig at this booklet ad your schedule; 2. Call us as soo after the icidet as possible please have your policy details ad iformatio about the claim ready whe you call; 3. Speak to us before you make ay arragemets for replacemet or repair; 4. Do t forget to tell the police whe your property is lost, stole or maliciously damaged. If you have a domestic emergecy (24 hours a day, 365 days a year) If you or your family suffer a domestic emergecy i your home, such as a blocked toilet, hot water or heatig failure, call our Domestic Emergecy Assistace helplie. Please have your policy details ad iformatio about the emergecy ready whe you call. A traied operator will be o had to help ad advise you. If required, they will arrage for emergecy assistace or repairs to be completed by a approved tradesperso. If you use this service, you will be resposible for payig the tradesperso s charges ad ay costs of materials icurred. If the damage is covered by your isurace policy you may be able to claim these costs as part of ay claim you submit. Legal advice (24 hours a day, 365 days a year) Our cofidetial Legal Advice helplie, which is maaged o our behalf by Arc Legal Assistace (Arc), puts you i touch with a qualified legal adviser who ca give you advice o ay persoal legal matter. The service oly provides advice ad does ot cover ay legal costs ad expeses which you may icur as a result of followig the advice. Documet of home isurace 5

8 DEFINITIONS Certai words i this policy ad the schedule have particular meaigs wherever they appear. These meaigs apply to the whole policy uless otherwise stated. Accidetal damage Broker Bedroom Buildigs Claim Cotets Credit cards Documet of home isurace Edorsemet Excess Family Home Damage caused suddely by exteral meas which is ot expected ad ot deliberate. The perso or compay who has issued these documets o our behalf ad who sold you this policy. A room built or coverted for sleepig i, eve if it is used for other purposes. The structure of your home ad its permaet fixtures ad fittigs icludig solar paels ad wid turbies, walls, hedges, gates, feces, swimmig pools/fixed hot tubs/jacuzzis (but ot their covers), teis courts, drives, footpaths, patios, terraces, exteral steps ad permaetly sited septic taks ad fixed cetral heatig gas or oil taks that belog to you or for which you are legally resposible all cotaied withi the boudaries of the lad. Buildigs are ot: televisio or radio aerials; satellite dishes ad their fittigs; carpets(whether fitted or ot). A sigle loss or series of losses arisig from oe icidet. Household goods, valuables, home etertaimet equipmet, office equipmet, pedal cycles, televisio or radio aerials, satellite dishes ad their fittigs, carpets (whether fitted or ot), teats fixtures ad improvemets that belog to you or your family, or for which you are legally resposible whe withi the home. Cotets are ot: motor vehicles, caravas, trailers, watercraft, aircraft ad all their accessories; aimals; busiess stock, equipmet, tools or materials; ay part of the buildigs, icludig decoratios or permaet fixtures ad fittigs. Bak, charge, cheque guaratee, credit, debit ad cash dispeser cards held by you or your family for private purposes. This booklet. A chage i the terms ad coditios of this documet of home isurace that is displayed o the schedule. The amout you have to pay towards a claim. This will be the compulsory excess plus ay volutary excess show o the schedule. Your husbad, wife or parter or civil parter, childre (icludig foster childre), parets ad other relatives who permaetly live with you i the home. The private dwellig ad its domestic garages ad outbuildigs at the isured address show o the schedule. 6 Documet of home isurace

9 DEFINITIONS CONTINUED Home etertaimet equipmet Lad Moey Motor vehicles Radios, televisios, digital-satellite set-top boxes, satellite receivers, home computers, games cosoles, recordig ad audio/visual equipmet, but ot mobile phoes or other had held portable devices. The lad belogig to the home. Cash, bak ad currecy otes, cheques, travellers cheques, postal ad moey orders, bakers drafts, lucheo vouchers, savig stamps ad certificates, bods, curret postage stamps, travel tickets, seaso tickets ad gift tokes belogig to you or your family ad held for private purposes. Ay electrically or mechaically powered vehicle whether licesed for road use or ot, other tha domestic garde machiery, wheelchairs, golf carts or trolleys, battery assisted pedal cycles ad toys or models. Office equipmet Computers, keyboards, visual display uits ad priters, word-processig equipmet, desk-top publishig uits, multi-user small busiess computers ad fax machies used solely for your busiess or professio. Period of isurace Persoal possessios Schedule Statemet of facts Uoccupied Valuables We, us or our You, your The period show o your schedule which the policy covers you for (as log as you pay the premium o time). Clothig, sports equipmet ad other persoal belogigs, which are desiged to be wor or carried that belog to you or your family, or for which you are legally resposible. Persoal possessios are ot: moey ad credit cards; pedal cycles; motor vehicles, caravas, trailers, watercraft, aircraft ad all their accessories; aimals; busiess stock, equipmet, tools or materials; furiture, furishigs ad household goods. This idetifies you, the period of isurace, those sectios of this documet of home isurace that apply, sums isured ad ay edorsemets that apply. The documet cofirmig the iformatio you gave to us whe you applied for, reewed or made chages to this isurace. This icludes iformatio give o your behalf. Not lived i by you or ay member of your family or ay other perso with your permissio. By lived i we mea slept i frequetly. Jewellery, watches, clocks, photographic equipmet (icludig camcorders), televisios ad audio/visual equipmet, furs, items made of gold, silver ad other precious metals, pictures ad other works of art, icludig stamp, coi ad medal collectios. Liverpool Victoria Isurace Compay Limited. The perso or people show o the curret schedule. Documet of home isurace 7

10 SECTION 1 BUILDINGS Your schedule tells you if this sectio of cover is icluded. What is covered Loss or damage to the buildigs caused by: 1. Fire (icludig resultat smoke damage), lightig, explosio or earthquake. 2. Water or oil leakig from ay fixed tak, appliace or pipe. What is ot covered The amout of ay excess show o your schedule. 2. The first 250 of every claim. Loss or damage: by subsidece, heave or ladslip caused by water leakig; to the tak, appliace or pipe itself, uless caused by freezig; after your home has bee uoccupied for more tha 60 days i a row. 3. Theft or attempted theft. 3. Loss or damage: after your home has bee uoccupied for more tha 60 days i a row; while the home is lived i by ayoe other tha you or a member of your family uless violece ad force is used to break ito your home. 4. Storm or flood. 5. Vadalism or malicious damage, icludig riot, civil urest, strikes or labour or political disturbaces. 4. Loss or damage to hedges, gates or feces. 5. Loss or damage after your home has bee uoccupied for more tha 60 days i a row. 8 Documet of home isurace

11 SECTION 1 BUILDINGS CONTINUED What is covered Loss or damage to the buildigs caused by: 6. Beig hit by ay aimal, fallig tree or brach, road vehicle, trai, aircraft or other flyig objects (icludig items dropped from them), televisio or radio aerials, satellite dishes ad their fittigs. 7. Subsidece or heave of the site o which the buildigs stad or ladslip. What is ot covered The amout of ay excess show o your schedule. 6. Loss or damage: to hedges, gates or feces by fallig trees or braches; caused by domestic pets. 7. The first 1,000 of every claim. Loss or damage: caused by coastal or river erosio; caused durig demolitio, structural alteratio or repair work; caused by poor desig, faulty workmaship or the use of defective materials; caused by foudatios which did ot meet buildig regulatios at the time of costructio; where compesatio has bee provided uder ay cotract, legislatio or guaratee; to solid floors ad o load bearig walls uless the foudatios beeath the exterior load bearig walls of your home are damaged at the same time by the same cause; caused by beddig dow of ew structures or the settlemet (ad cosolidatio ad compactio) of made-up groud; Documet of home isurace 9

12 SECTION 1 BUILDINGS CONTINUED What is covered 7. Subsidece or heave of the site o which the buildigs stad or ladslip (cotiued). What is ot covered 7. Loss or damage: to walls, hedges, gates, feces, swimmig pools, teis courts, drives, footpaths, patios, terraces, exteral steps ad permaetly sited septic taks ad fixed cetral heatig gas or oil taks uless the foudatios beeath the exterior load bearig walls of your home are damaged at the same time by the same cause; show as ot isured elsewhere i this documet of home isurace. We also provide the followig additioal cover: Additioal cover: 8. Sellig your home. The buyer will be covered for loss or damage covered by this sectio up to the date the sale completes o your home. 9. Fixed glass ad saitary fittigs. Accidetal damage to fixed glass, saitary fittig ad ceramic hobs formig part of the buildigs. The amout of ay excess show o your schedule. 8. Loss or damage: after your home has bee uoccupied for more tha 60 days i a row; if the home is isured uder aother policy; after the sale has completed. 9. Loss or damage: after your home has bee uoccupied for more tha 60 days i a row; while the home is lived i by ayoe other tha you or a member of your family. 10 Documet of home isurace

13 SECTION 1 BUILDINGS CONTINUED What is covered We also provide the followig additioal cover: 10. Udergroud services. Accidetal damage to cables, udergroud pipes ad drais (ad their ispectio covers) servig your home. What is ot covered The amout of ay excess show o your schedule. 10. The cost of clearig a blockage. 11. Emergecy access. Uavoidable damage caused by the emergecy services whe accessig your home or garde as a result of a emergecy to you or your family. 12. Alterative accommodatio. If your home becomes uihabitable followig loss or damage covered uder this sectio we will pay up to 25,000 durig the period of isurace for: the reasoable extra cost of similar alterative accommodatio for you, your family ad your domestic pets; or loss of ay urecoverable ret (icludig groud ret) due to you. 13. Trace ad access. We will pay up to 5,000 for the cost of removig ad replacig ay part of the buildigs to fid ad repair the source of a water or oil leak from ay fixed tak, appliace or pipe formig part of your home. 13. Loss or damage to the tak, appliace or pipe itself. More tha 2,500 for a water or oil leak outside the home. Documet of home isurace 11

14 SECTION 1 BUILDINGS CONTINUED What is covered We also provide the followig additioal cover: 14. Liability to the public. If followig a accidet someoe dies, is ijured, falls ill or has their property damaged, durig the period of isurace, we will cover your legal liability: as ower of the buildigs ad its lad; uder the Defective Premises Act 1972 or the Defective Premises Measure (Norther Irelad) 1974 for ay home you have previously owed, but ot for more tha 7 years after the isurace has eded or bee cacelled. The most we will pay for ay claim arisig from oe icidet, icludig claimats costs ad expeses is 2,000,000. We may also pay other costs ad expeses icurred with our prior writte permissio. What is ot covered The amout of ay excess show o your schedule. 14. Liability arisig from: the death, bodily ijury or illess of you or a member of your family or domestic staff; loss or damage to ay property you or a member of your family or domestic staff ow, or are resposible for; a agreemet that imposes a liability you would ot otherwise have bee uder; ay professioal, occupatioal or busiess activities; you occupyig the home ad its lad; the cost of puttig right ay fault or alleged fault which, if ot put right, may cause accidetal bodily ijury or disease or accidetal loss of or damage to property. 12 Documet of home isurace

15 SECTION 1 BUILDINGS CONTINUED What is covered Accidetal damage optioal cover Your schedule tells you if this optioal cover is icluded. 15. Accidetal damage. Accidetal damage to the buildigs. What is ot covered The amout of ay excess show o your schedule. 15. Loss or damage: while the home is lived i by ayoe other tha you or a member of your family; caused durig demolitio, structural alteratio or repair work; caused by domestic pets; show as ot isured elsewhere i this documet of home isurace. The cost of maiteace or ormal redecoratio. Documet of home isurace 13

16 SETTLING CLAIMS BUILDINGS This sectio describes how we deal with your claim. If the loss or damage is covered by this isurace we may: arrage for repair or replacemet usig oe of our suppliers; or pay the cost of repair; or make a cash paymet. We will pay the full cost of ay repair or replacemet, icludig ay additioal architects ad surveyors fees, demolitio, removal of debris or local authority costs we have agreed to pay. Repairs completed by our approved suppliers as a result of a claim covered by this isurace, are guarateed for 12 moths. If the damage to the buildigs is ot rebuilt or repaired, or the buildigs were ot i a good state of repair whe damaged, we will pay either: the cost of repair or replacemet less a amout for wear ad tear; or the differece betwee the value of sellig your home o the ope market immediately before the damage ad its value after the damage. The most we will pay will be the buildigs sum isured show o your schedule plus ay amout we agree to pay uder paragraph 12 of this sectio. Ay amout we pay will be reduced by the excess show o your schedule. Uderisurace It is your resposibility to esure that the buildigs sum isured is sufficiet to cover the full cost of rebuildig your home. If the cost of rebuildig the home i the same form, size, style ad coditio as ew is more tha the sum isured show o your schedule, we will reduce the amout claimed i proportio with the uderisurace. For example, if the buildigs sum isured is equal to 75% of the amout eeded to rebuild the buildigs, we will oly pay 75% of your claim. 14 Documet of home isurace

17 SECTION 2 CONTENTS Your schedule tells you if this sectio of cover is icluded. What is covered Loss or damage to cotets i the home caused by: What is ot covered The amout of ay excess show i your schedule. 1. Fire (icludig resultat smoke damage), lightig, explosio or earthquake. 2. Water or oil leakig from ay fixed tak, appliace or pipe icludig up to 5,000 for loss of metered water or oil. 3. Theft or attempted theft. The most we will pay for ay oe claim for cotets i domestic garages ad outbuildigs at the home is 2, The first 250 of every claim. Loss or damage after your home has bee uoccupied for more tha 60 days i a row. 3. Loss or damage: after your home has bee uoccupied for more tha 60 days i a row; while the home is lived i by ayoe other tha you or a member of your family uless violece ad force is used to break ito your home; by deceptio other tha deceptio used solely to eter your home. 4. Storm or flood. 5. Vadalism or malicious damage, icludig riot, civil urest, strikes or labour or political disturbaces. 6. Beig hit by ay aimal, fallig tree or brach, road vehicle, trai, aircraft or other flyig objects (icludig items dropped from them). 5. Loss or damage after your home has bee uoccupied for more tha 60 days i a row. 6. Loss or damage caused by domestic pets. Documet of home isurace 15

18 SECTION 2 CONTENTS CONTINUED What is covered 7. Subsidece or heave of the site o which the buildigs stad or ladslip. What is ot covered 7. Loss or damage: caused by coastal or river erosio; caused durig demolitio, structural alteratio or repair work; where compesatio has bee provided uder ay cotract, legislatio or guaratee. We also provide the followig additioal cover: Additioal cover: 8. Mirrors ad Glass. Accidetal damage to mirrors ad glass or ceramic tops formig part of furiture while i your home. 9. Home etertaimet equipmet. Accidetal damage to home etertaimet equipmet while i your home. The amout of ay excess show i your schedule. 8. Loss or damage while the home is lived i by ayoe other tha you or a member of your family. 9. Loss or damage: while the home is lived i by ayoe other tha you or a member of your family; caused by domestic pets; to computer software or dowloaded iformatio; show as ot isured elsewhere i this documet of home isurace. 16 Documet of home isurace

19 SECTION 2 CONTENTS CONTINUED What is covered We also provide the followig additioal cover: 10. Cotets i the garde. We will pay up to 1,000 for loss or damage to cotets while they are outdoors but withi the boudaries of your lad as a result of a cause listed i paragraphs 1, 2, 3, 5 ad 6 of this sectio. What is ot covered The amout of ay excess show i your schedule. 10. Loss or damage: to trees, shrubs, plats or laws; after your home has bee uoccupied for more tha 60 days i a row; show as ot isured elsewhere i this documet of home isurace. 11. Plats i the garde. We will pay up to 500 for loss or damage to, trees, shrubs, plats ad laws withi the boudaries of your lad as a result of a cause listed i paragraphs 1, 2, 3, 5 ad 6 of this sectio. 11. Loss or damage: caused by fallig trees or braches; after your home has bee uoccupied for more tha 60 days i a row; show as ot isured elsewhere i this documet of home isurace. More tha 250 for ay oe tree, plat or shrub. 12. Loss of keys. We will pay up to 750 for the cost of replacig locks to the exteral doors of your home ad alarms ad safes if your keys are lost or stole. Documet of home isurace 17

20 SECTION 2 CONTENTS CONTINUED What is covered We also provide the followig additioal cover: What is ot covered The amout of ay excess show i your schedule. 13. Alterative accommodatio. If your home becomes uihabitable followig loss or damage covered uder this sectio we will pay up to 15,000 durig the period of isurace for: the reasoable extra cost of similar alterative accommodatio for you, your family ad your domestic pets; or ret which you are cotracted to pay durig the time ecessary to restore the buildigs to a habitable coditio. 14. Fatal ijury. We will pay 5,000 if you or your husbad, wife or parter die withi 12 moths as a direct result of a ijury caused by fire or violece by itruder(s) at your home. 15. Religious festivals ad weddigs. We will icrease the cotets sum isured by 10% for oe moth before ad after a religious festival or weddig day of you or a member of your family, for purchases made for these evets, if withi the period of isurace. 18 Documet of home isurace

21 SECTION 2 CONTENTS CONTINUED What is covered We also provide the followig additioal cover: What is ot covered The amout of ay excess show i your schedule. 16. Froze food. We will pay up to 500 for loss or damage to the cotets of your fridge or freezer caused by a chage i temperature followig breakdow, a domestic fuse blowig, accidetal failure of the public electricity or gas supply or refrigerat leakage. 17. Title deeds. We will pay up to 500 for loss or damage covered by this sectio to replace the title deeds of your home while they are i safekeepig lodged with your bak, mortgage leder, solicitor or i your home. 18. Movig house. We will pay for accidetal loss or damage to your cotets while they are beig moved to your ew permaet home by professioal removal cotractors, icludig while temporarily stored by a storage compay for up to 14 days. 19. Teat s cover. If you are a teat we will pay up to 10,000 for loss or damage covered by this sectio to fixtures ad fittigs you have istalled i your home or for which you are legally resposible. 20. Moey. We will pay up to 500 for loss or damage to moey from the home as a result of a cause listed i paragraphs 1-7 of this sectio. Documet of home isurace 18. Loss or damage: to chia, glass ad brittle items, uless these have bee packed by professioal packers; show as ot isured elsewhere i this documet of home isurace. 20. Losses ot reported to the police withi 24 hours of discovery. Theft by deceptio other tha deceptio used solely to eter your home. 19

22 SECTION 2 CONTENTS CONTINUED What is covered We also provide the followig additioal cover: 21. Dowloaded iformatio. We will pay up to 1,000 for loss or damage to iformatio that you have bought ad stored o your home etertaimet equipmet or mobile phoe as a result of a cause listed i paragraphs 1 to 7 of this sectio. 22. Office equipmet. We will pay up to 5,000 for loss or damage to office equipmet as a result of a cause listed i paragraphs 1 to 7 of this sectio. 23. Temporary removal. We will pay up to 5,000 for loss or damage to your cotets, as a result of a cause listed i paragraphs 1 to 7 of this sectio, while temporarily removed from your home, but still i the British Isles, whe i the followig locatios: i ay private home where someoe is livig; i a bak or safe deposit; i ay trade premises for makig up, alteratio, reovatio, repair, cleaig, dyeig or valuatio; ay buildig i which you or a member of your family work. What is ot covered The amout of ay excess show i your schedule. 21. The cost of remakig a file, tape or disc. Rewritig the iformatio cotaied o your home etertaimet equipmet or mobile phoe. Loss or damage show as ot isured elsewhere i this documet of isurace. 22. Loss or damage show as ot isured elsewhere i this documet of isurace. 23. Loss or damage: to ay cotets take from your home to sell or exhibit; to moey or busiess equipmet; by theft or attempted theft uless violece ad force is used to remove the cotets from a buildig; to pedal cycles; to ay cotets temporarily removed for the purposes of attedig a uiversity, college or boardig school. 20 Documet of home isurace

23 SECTION 2 CONTENTS CONTINUED What is covered We also provide the followig additioal cover: 24. Cotets at uiversity/college. We will pay up to 5,000 for loss or damage to your cotets, as a result of a cause listed i paragraphs 1 to 7 of this sectio, while temporarily removed from the home while kept i ay studet accommodatio or ay buildig i which you or your family study withi the British Isles. 25. Liability to the public. If followig a accidet someoe dies, is ijured, falls ill or has their property damaged durig the period of isurace, we will cover the legal liability of you or your family as: occupiers of the home; private idividuals. The most we will pay for ay claim arisig from oe icidet, icludig claimats costs ad expeses is 2,000,000. We may also pay other costs ad expeses icurred with our prior writte permissio. Urecoverable court awards. We will pay ay amout you, or a member of your family are awarded as damages ad taxed costs by ay court i the British Isles, which, had the positio bee reversed, would have resulted i a claim uder this sectio. What is ot covered The amout of ay excess show i your schedule. 24. Loss or damage: to ay cotets take from your home to sell or exhibit; to moey or busiess equipmet; by theft or attempted theft uless violece ad force is used to remove the cotets from a buildig; to pedal cycles. 25. Liability arisig from: the owership of your home or the owership or occupatio of ay other premises; the death, bodily ijury or illess of you or a member of your family or domestic staff; the owership or use of ay motor vehicle, aircraft, horse draw vehicle, ship, vessel or craft; ay loss or damage to property owed by you or a member of your family or domestic staff, or which they are resposible for; a agreemet that imposes a liability you would ot otherwise have bee uder; ay professioal, occupatioal or busiess activity; Documet of home isurace 21

24 SECTION 2 CONTENTS CONTINUED What is covered 25. Liability to the public (cotiued). Paymet of the award ad taxed costs will be made if you have ot received ay of the amout withi 90 days of the award. If ay part paymet has bee made to you we will pay the balace outstadig 90 days after the last paymet. The most we will pay for ay claim arisig from oe icidet icludig legal costs ad expeses is 2,000, Liability to domestic employees. If followig a accidet durig the period of isurace your domestic employee dies, is ijured, falls ill whilst beig employed by you ad you are foud legally liable, the most we will pay for ay claim arisig from oe icidet, icludig claimats costs ad expeses is 5,000,000. We may also pay other costs ad expeses icurred with our prior writte permissio. What is ot covered 25. Liability arisig from: ay aimal, other tha horses ad domestic pets; ay dog which is desigated dagerous uder the Dagerous Dogs Act 1991; the cost of puttig right ay fault or alleged fault which, if ot put right, may cause accidetal bodily ijury or disease or accidetal loss of or damage to property. 26. Liability that should be covered by compulsory motor isurace or security as required uder ay Road Traffic Act legislatio. Cover applies aywhere i the world as log as you etered ito the cotract of employmet with the employee i the British Isles. 22 Documet of home isurace

25 SECTION 2 CONTENTS CONTINUED What is covered Accidetal damage optioal cover Your schedule tells you if this optioal cover is icluded. 27. Accidetal damage. Accidetal damage to cotets i the home. What is ot covered The amout of ay excess show i your schedule. 27. Loss or damage: while the home is lived i by ayoe other tha you or a member of your family; caused by domestic pets; to computer software or dowloaded iformatio; show as ot isured elsewhere i this documet of home isurace. Documet of home isurace 23

26 SECTION 3 PERSONAL POSSESSIONS (optioal cover) Your schedule tells you if this sectio of cover is icluded. What is covered 1. Persoal possessios. We will pay for loss or damage to persoal possessios i Europe ad up to 60 days worldwide i ay oe period of isurace. 2. Moey ad credit cards. We will pay up to 500 for loss or damage to moey or the uauthorised use of credit cards i Europe ad up to 60 days worldwide i ay oe period of isurace. What is ot covered The amout of ay excess show i your schedule. 1. Loss or damage: from uatteded motor vehicles, caravas or motor caravas uless the item is stored out of sight i a glove or luggage compartmet ad all the doors are locked ad widows fully closed; show as ot isured elsewhere i this documet of home isurace. Accidetal loss or damage to software or dowloaded iformatio. Theft of persoal possessios from ay studet accommodatio or place of study uless violece ad force is used to remove them. 2. Losses ot reported to the police withi 24 hours of discovery. Losses where you have ot kept to the coditios the credit card was issued uder. Credit cards which are lost ad ot reported to the issuig or card registratio compay withi 24 hours of discovery. Uauthorised use of credit cards by a member of your family or domestic staff. 24 Documet of home isurace

27 SECTION 4 PEDAL CYCLES (optioal cover) Your schedule tells you if this sectio of cover is icluded. What is covered We will pay for loss or damage to pedal cycles i Europe ad up to 60 days worldwide i ay oe period of isurace. What is ot covered The amout of ay excess show i your schedule. Loss or damage while racig, pace-makig or takig part i time trials. Theft of ay pedal cycles away from the home, uless locked to a permaet structure. Theft of pedal cycle accessories uless they are stole with the pedal cycle. Motorised pedal cycles other tha battery assisted models. Documet of home isurace 25

28 SETTLING CLAIMS CONTENTS, PERSONAL POSSESSIONS AND PEDAL CYCLES How we will settle claims (applies to sectios 2, 3 & 4). Most isurace compaies ca get discouts o replacig items. This helps to cotrol claim costs ad therefore premiums charged. If the loss or damage is covered by this isurace it is at our optio that we will: pay the cost of repair for items that ca be ecoomically repaired; or replace the item as ew; or make a cash paymet, which may be restricted to the discouted replacemet price we would ormally pay usig our ow suppliers. If the items are ot replaced, the amout we will pay will be based o the market value of the items o the date the loss happeed. For ay claim ivolvig clothig or household lie, we will make a deductio for wear ad tear. We may also make a deductio for wear ad tear for ay items ot i a good coditio. Sectio 2 Cotets what we will pay The cotets sum isured must represet the full replacemet value of your cotets as ew, less a amout for wear ad tear o clothig ad lie. The most we will pay will be the cotets sum isured show o your schedule plus ay amout we agree to pay uder paragraph 13 of this sectio. For ay oe claim, we will ot pay more tha: oe third of the cotets sum isured for uspecified valuables; 1,500 for ay valuable uless the item is specified o your schedule. Ay amout we pay will be reduced by the excess show o your schedule. Uderisurace If the sum isured is less tha the full replacemet cost of the cotets of your home, we will reduce the amout claimed i proportio with the uderisurace. For example if the amout of your cotets cover is equal to 75% of the amout eeded to replace all the cotets, we will pay oly 75% of your claim. 26 Documet of home isurace

29 SETTLING CLAIMS CONTENTS, PERSONAL POSSESSIONS AND PEDAL CYCLES CONTINUED Sectio 3 Persoal possessios what we will pay For ay oe claim, we will ot pay more tha: the sum isured show o your schedule; 1,500 for ay item uless the item is specified o your schedule. Ay amout we pay will be reduced by the excess show o your schedule. Sectio 4 Pedal Cycles what we will pay The most we will pay for ay oe pedal cycle will be the sum isured, less ay excess, both of which are show o your schedule. Specified items I the evet of a claim for ay item specified o your schedule, you will eed to provide proof of value ad owership of that item. To help you do this, we recommed that you keep photos, receipts, valuatios ad istructio booklets. Followig the total loss of a item specified i your schedule, the item will be removed from cover. You must cotact your broker if the item is to be isured agai after replacemet. Idex likig We may icrease your cotets sum isured whe your policy is due for reewal i lie with the Retail Price Idex or aother suitable idex if this is ot available. This does ot apply to persoal possessios, pedal cycles or ay items specified i your schedule. We will ot reduce the cotets sum isured if the relevat idex falls. Documet of home isurace 27

30 GENERAL CONDITIONS Your duty We will oly provide cover uder this isurace if: you or ay other perso claimig uder this isurace has met all the terms ad coditios that apply; ad the iformatio you gave us whe applyig for, amedig or reewig this isurace (show o your statemet of facts), ad whe makig a claim, is true. You must have asked everyoe covered by this isurace ay relevat questios to get this iformatio ad tell us as soo as possible about ay chages which have happeed sice the isurace started or was last reewed. Failure to do so may ivalidate this isurace. Takig care of your property You or ay perso i charge of your property must take reasoable steps ad precautios to: maitai your property i good coditio; ad protect your property from damage or loss; ad recover lost property. You must give us or our agets reasoable access to examie your property. Chages i your circumstaces You must cotact your broker as soo as you kow about ay of the followig chages: you are goig to move home permaetly; someoe other tha you or your family is goig to live i your home; your home is goig to be uoccupied for more tha 60 days i a row; your home will be used for busiess purposes; work is to be doe o your home which is ot routie maiteace, repair or decoratio, for example ay structural alteratio or extesio to your home; 28 Documet of home isurace

31 GENERAL CONDITIONS CONTINUED the umber of bedrooms i your home is chaged; you or ay member of your family has received a covictio for ay offece except for drivig; ay icrease i the value of your cotets or if the rebuildig cost of your home exceeds the sum isured show o your schedule. We may re-assess your cover ad premiums whe we are told about chages i your circumstaces. If you do ot tell us about chages or give us icorrect iformatio, we will be etitled to reject paymet of a claim or a paymet could be reduced. I some circumstaces, your policy might be ivalid, which may result i your policy beig cacelled. Accidet ad claims procedure You or ay other perso claimig uder this isurace must: give us full details of the icidet as soo as possible; sed to us immediately all commuicatios for other people ivolved which must ot have bee replied to; immediately tell us of ad sed to us ay otice of iteded prosecutio, iquest, fatal iquiry or ay writ, summos or process which must ot have bee replied to; give us all the iformatio, evidece ad help we ask for, which may iclude proof of owership ad/or value; tell the police immediately whe property is lost, stole or maliciously damaged ad provide us with the Crime referece umber; tell us if ay lost or stole property is subsequetly recovered. You or ay other perso must ot, without our permissio: egotiate or admit resposibility; or make ay offer, promise or paymet; or make your ow arragemets for repair or replacemet. Documet of home isurace 29

32 GENERAL CONDITIONS CONTINUED We will be etitled to: have total cotrol to carry out, defed ad settle ay claim; take proceedigs i your ame or i the ame of ay other perso claimig uder this isurace, at our ow expese ad for our ow beefit to recover ay paymet we have made. Fraud If you or ayoe actig for you: misrepresets or deliberately fails to disclose relevat facts at ay time that affect either the terms ad coditios, the premium or whether we accept cover; makes a claim i a fraudulet or false way, or where we are give ay documets which are false or stole; We may: cacel or void your policy ad all other policies to which you are coected to with us; ot pay ay claim which is i ay way fraudulet, false, exaggerated; aim to recover ay costs we have icurred ad ot retur ay premium; tell the police if we suspect fraud. Other isuraces If there is ay other isurace coverig the same claim, we will oly pay our share of the claim, eve if the other isurer refuses the claim. 30 Documet of home isurace

33 GENERAL CONDITIONS CONTINUED Cacellatio We or your broker may cacel this isurace: from the commecemet date if you do ot pay your premium; by writig to you givig you seve days otice, at your last kow address. The isurace will ed immediately the seve days otice rus out. Your broker will refud the part of your premium that applies to the remaiig period of isurace. You may cacel this isurace by cotactig your broker. If you have ot made a claim you will be etitled to a refud of the premium paid less a deductio for the days you have bee covered. This deductio will be calculated o a proportioate basis ad will iclude a additioal charge of up to 25 to cover the admiistrative costs to us of processig the isurace. These charges will apply i additio to ay charges made by your broker ad will be subject to Isurace Premium Tax where applicable. Premium default If you do ot pay a premium or premium istalmet this isurace will ot provide cover from the date the paymet was due. Documet of home isurace 31

34 GENERAL EXCLUSIONS We will ot pay for: ay loss or damage that happeed before cover started; ay reductio i value followig a loss or claim; ay loss or damage which results idirectly from aythig isured by this policy; the cost of replacig ay udamaged items which form part of a pair, set, suite or ay other item of a uiform ature, desig or colour; caravas, mobile homes or ay commercial premises; loss or damage deliberately caused by you or your family, or ay other persos residig i your home; loss or damage to ay items used i coectio with ay busiess, trade or professio, except office equipmet i the home; Ay claim arisig from: aythig which happes gradually icludig deterioratio or wear ad tear, settlemet or shrikage; mildew, fugus, climatic or atmospheric coditios, frost, wet or dry rot; ay process of cleaig, repair or alteratio; damage by isects or vermi; electrical or mechaical failure or breakdow; faulty desig, materials or workmaship; computer viruses; pollutio or cotamiatio uless arisig from oil leakig from ay fixed heatig istallatio or from ay domestic appliace i your home durig the period of isurace; war, civil war, terrorism (by uclear ad/or chemical ad/or biological ad/or radiological meas), rebellio or revolutio. 32 Documet of home isurace

35 GENERAL EXCLUSIONS CONTINUED Ay claim arisig from: ioisig radiatio or cotamiatio from uclear fuel or waste, or from the burig or explosio of uclear fuel; the radioactive, toxic, explosive or other dagerous properties of ay uclear istallatio, reactor, or other uclear assembly or its compoet part; ay weapo or device usig atomic or uclear fissio or fusio or radioactive force or matter. Documet of home isurace 33

36 Edorsemets These edorsemets oly are oly applicable if they are oted o your schedule. Please refer to that sectio to see if these apply. Edorsemet 1. Holiday/Secod Home I additio to the coditios ad exclusios oted i the documet of home isurace, the followig coditios ad exclusios also apply: Coditios 1. The home must ot be occupied by ayoe other tha you or your family; 2. If the home is left uoccupied for more the 7 days i a row durig the period 1 October to 31 March iclusive you must: a) tur the water service off at the mais ad drai the water ad heatig system, or b) if the home is cetrally heated, leave the cetral heatig o to a miimum of 5 degrees Cetigrade (41 degrees Fahreheit). Exclusios We will ot pay for: a) the first 250 of ay claim settlemet i additio to ay volutary excess show o your schedule; b) loss or damage to moey ad valuables (as defied i the documet of home isurace). 34 Documet of home isurace

37 Edorsemet 2. Let Property I additio to the coditios ad exclusios oted i the documet of home isurace, the followig coditios ad exclusios also apply: Coditios 1. You must comply with all relevat statutory requiremets, maufacturer s recommedatios ad other regulatios relatig to the use, ispectio ad safety of property ad the safety of persos. 2. Withi 20 days of the home becomig uoccupied or uteated, you must: a) esure that all door ad widow locks ad other protective devices are put ito operatio wheever the home is left uatteded; b) tur the services off at the mais except electricity where eeded to maitai ay fire or itruder alarm system i operatio; c) drai the water ad heatig system; d) arrage for the home to be ispected iterally ad exterally every 7 days by a authorised adult. Exclusios We will ot pay for: a) loss or damage to moey ad valuables (as defied i the documet of home isurace); b) loss or damage to teats cotets & persoal possessios; c) theft or attempted theft uless force ad violece are used to break ito the home; d) the first 250 of ay claim settlemet i additio to ay volutary excess show i your schedule; e) accidetal damage. Documet of home isurace 35

38 Edorsemet 3. Uoccupied Home I additio to the coditios ad exclusios oted i the documet of home isurace, the followig coditios ad exclusios also apply while the home is uoccupied for more tha 60 days i a row: Coditios You must: 1. arrage for the home to be ispected iterally ad exterally every 7 days by a authorised adult; 2. esure that all door ad widow locks ad other protective devices are put ito operatio wheever the home is left uatteded; 3. durig the period 1 October to 31 March iclusive: a) tur the water service off at the mais ad drai the water ad heatig system, or b) if the home is cetrally heated, leave the cetral heatig o to a miimum of 5 degrees Cetigrade (41 degrees Fahreheit). Exclusios We will ot pay for: a) water or oil leakig, theft or attempted theft or vadalism or malicious damage uless the above coditios have bee met; b) theft or attempted theft uless force ad violece are used to break ito the home; c) the first 250 of ay claim settlemet i additio to ay volutary excess show o your schedule; d) loss or damage to moey ad valuables (as defied i the documet of home isurace). 36 Documet of home isurace

39 Edorsemet 4. Restricted Theft Cover I additio to the coditios ad exclusios oted i the documet of home isurace, the followig exclusios also apply: Exclusios We will ot pay for: a) theft or attempted theft uless force ad violece are used to break ito the home; b) loss or damage to cotets & persoal possessios owed by ay lodger, teat or payig guest. Documet of home isurace 37

40 Edorsemet 5. Miimum Security (door & widow locks) This policy will oly provide cover for theft or attempted theft if the followig security is put ito operatio wheever your home is left uatteded. Fial Exit Door a) mortice deadlock with at least 5 levers, or b) locks to a miimum of BS3621, or c) double glazed doors with a 3 poit lockig system, or d) other locks or security devices we agree to i writig. Other Exteral Doors a) mortice deadlocks with at least 5 levers, or b) locks to a miimum of BS3621, or c) double glazed doors with a 3 poit lockig system, or d) other locks plus key operated security devices fitted top & bottom, or e) other locks or security devices we agree to i writig. Widows Key operated widow locks o all basemet, groud floor ad accessible upper floor widows. Time to fit locks We will allow up to 28 days from the date that the edorsemet applies for the locks to be fitted. If the locks are ot istalled withi this time, the policy will ot cover theft or attempted theft from the home. 38 Documet of home isurace

41 Edorsemet 6. Aually Maitaied Bells Oly Alarm This policy will oly provide cover for theft or attempted theft if the followig security is put ito operatio wheever your home is left uatteded ad at ight. A bells oly burglar alarm istalled ad aually maitaied by a NSI/SSAIB approved istaller to BS4737 for existig alarms or a miimum of Grade 2 EN50131 for all ew alarms. Time to istall alarm We will allow up to 28 days from the date that the edorsemet applies for the alarm to be istalled. If the alarm is ot istalled withi this time, the policy will ot cover theft or attempted theft from the home. Edorsemet 7. Aually Maitaied Moitored Alarm This policy will oly provide cover for theft or attempted theft if the followig security is put ito operatio wheever your home is left uatteded ad at ight. A cetrally moitored burglar alarm istalled ad aually maitaied by a NSI/ SSAIB approved istaller to BS4737 for existig alarms or a miimum of Grade 2 EN50131 for all ew alarms. Time to istall alarm We will allow up to 28 days from the date that the edorsemet applies for the alarm to be istalled. If the alarm is ot istalled withi this time, the policy will ot cover theft or attempted theft from the home. Edorsemet 8. Safe We will ot pay for ay claim for theft of specified jewellery or watches from your home uless these items are kept i a locked safe whe ot beig wor. The safe ca be a freestadig, floor or wall safe, but must have a valuables ratig sufficiet to protect the value of jewellery/watches beig stored. Time to istall safe We will allow up to 28 days from the date that the edorsemet applies for the safe to be istalled. If the safe is ot istalled withi this time, the policy will ot cover theft of jewellery/watches from the home whe ot beig wor. Documet of home isurace 39

42 Edorsemet 9. Jewellery (stoe settigs) Coditio It is a coditio of this policy that, for sigle items of jewellery worth more tha 10,000, ay precious stoe settigs are checked by a qualified jeweller every 3 years ad ay defect which is discovered remedied immediately. Edorsemet 10. Security requiremets (garages & outbuildigs) This policy will oly provide cover for theft or attempted theft from garages or outbuildigs if the followig security is put ito operatio wheever your home is left uatteded ad at ight. Exteral doors (icludig ay coectig door to the home) a) mortice deadlock with at least 5 levers, or b) locks to a miimum of BS3621, or c) double glazed doors with a 3 poit lockig system, or d) other locks plus key operated security devices fitted top & bottom. Up ad over doors a) closed shackle padlock ad hasp i additio to ay existig lock, or b) closed shackle padlock ad lockig bar. Widows Key operated widow locks Time to fit locks We will allow up to 28 days from the date that the edorsemet applies for the locks to be fitted. If the locks are ot fitted withi this time, the policy will ot cover theft or attempted theft from garages ad outbuildigs. 40 Documet of home isurace

43 Edorsemet 11. Restricted Cover This policy is restricted to providig cover for: a) fire (icludig resultat smoke damage); b) lightig; c) earthquake; d) explosio. No other isured perils or policy beefits are operative whe this edorsemet is applied. Edorsemet 12. Subsidece exclusio This policy will ot provide cover for: a) ay loss or damage arisig from subsidece, heave or ladslip; or b) ay claim for Alterative Accommodatio if your home becomes uihabitable as a result of Subsidece, Heave or Ladslip. Edorsemet 99. Sectio 5 - Home Legal Expeses (optioal cover) Refer to your policy schedule for cofirmatio if this extesio is icluded withi your policy cover. Documet of home isurace 41

44 HOW WE USE YOUR PERSONAL INFORMATION Data Protectio Act 1998 ad Isurace Admiistratio This iformatio explais how we may use your details ad tells you about the systems we use that allow us to detect ad prevet fraudulet applicatios ad claims. The savigs that we make help us to keep premiums dow. How we may use your persoal data is cotrolled by the requiremets of the Data Protectio Act Liverpool Victoria Isurace Compay Limited is registered for the purpose of processig persoal data. Iformatio provided to us may be held o computer, paper file or other format, whether or ot you purchase a policy. We ll hold this iformatio for a reasoable time to esure we have a clear ad complete history of isurace equiries, applicatios, policy records ad trasactios. We ad our agets (eg service providers that we have agreemets with both withi ad outside the Europea Ecoomic Area) may use this iformatio (some of which may be sesitive data) to process ad admiister your isurace. It may also be used or disclosed to regulators to moitor ad eforce our compliace with ay regulatio. Occasioally, your persoal iformatio may be disclosed to selected third parties who are helpig us improve our service. If you give us your credit card, debit card or bak details we may use it to automatically reew your isurace. We ll oly do this where you say we ca. If your details have bee obtaied through oe of our affiity associatios we may pass some of your iformatio, icludig policy details ad ogoig iformatio, to that affiity orgaisatio for membership, busiess aalysis ad other relevat purposes. If you move to a ew isurer we may cofirm certai details about your isurace to them. We ll oly do this if we re sure it s a geuie request. If we receive a request for policy iformatio by a idividual other tha the policy holder we ll check that the policy holder has give permissio to do this. We wo t use sesitive persoal data for marketig purposes Access to the persoal iformatio we hold about you You ca ask for a copy of the persoal iformatio we hold about you by writig to CCA Departmet, LV=, Couty Gates, Bouremouth, BH1 2NF. This is subject to the provisios of The Data Protectio Act 1998 ad paymet of a fee. 42 Documet of home isurace