Home Insurnce Contents Policy PLEASE KEEP YOUR POLICY IN A SAFE PLACE
Contents Introduction 1 How your cover works 2 Chnges tht you must tell us out 2 Mking clim 2 Complints procedure 2 Sfety precutions 2 The mening of words 3 Section 1 Contents 4 Section 2 Occupier s personl nd employer s liilities 10 Section 3 Personl possessions nd money 11 Section 4 Home legl dvice 13 Section 5 Home legl protection 13 Section 6 Home emergency ssistnce 13 Generl exclusions 14 Generl conditions 15
Introduction This is your Cornhill Direct Contents policy, plese red it crefully nd keep it in sfe plce. Mke sure tht you hve the cover you need. Your schedule shows the sections of the policy you hve chosen, the sums insured nd ny specil terms tht pply to your policy. Plese check your schedule nd your personl detils form crefully to mke sure tht s fr s you know the informtion you hve supplied is correct. Rememer, you must tell us if this informtion chnges or is incorrect. If you don t, you my find tht you re not covered if you need to clim. The Importnt Informtion Notice issued with your documents lso forms prt of your policy. Plese lso red it crefully. If you hve ny questions, plese contct us on 0844 391 4108 nd our Customer Service tem will e plesed to help. Signed on ehlf of Allinz Insurnce plc Andrew Torrnce Chief Executive 1
How your cover works We will insure you under the conditions of your policy (for those sections nmed in the schedule) for ny insured event which tkes plce during the period of insurnce nd for which you hve pid premium. Your policy ends t midnight on the lst dy of ech period of insurnce. The period of insurnce is shown in your schedule. Chnges you must tell us out You hve told us certin fcts out: your home; nd the people who live within your home. You must tell us s soon s resonly possile out ny chnges, which lter these fcts. Generl condition 15 lists the types of chnges tht you must notify us out. If you do not tell us out chnges, you my find tht you re not covered if you need to clim. Mking clim We hve enclosed clims guide telling you how to mke clim. Complints procedure Our im is to get it right, first time, every time. If we mke mistke, we will try to put it right promptly. We will lwys confirm to you the receipt of your complint within five working dys nd do our est to resolve the prolem within four weeks. If we cnnot, we will let you know when n nswer my e expected. If we hve not sorted out the sitution within eight weeks, we will give you informtion out the Finncil Omudsmn Service. If you hve complint plese contct our Customer Stisfction Mnger t: Cornhill Direct 2530 The Qudrnt Aztec West Almondsury Bristol BS32 4AW Phone: 0844 391 4108 Emil: Complints@cornhilldirect.co.uk Using our complints procedure or referrl to the Finncil Omudsmn Service does not ffect your legl rights. Finncil Services Compenstion Scheme If Allinz is unle to meet its liilities you my e entitled to compenstion under the Finncil Services Compenstion Scheme (FSCS). Further informtion out compenstion scheme rrngements is ville t www.fscs.org.uk, y emiling enquiries@fscs.org.uk or y phoning the FSCS on 0800 678 1100 or 0207 741 4100. Sfety precutions We offer the following hints on precutions worth tking. Fire prevention Check your electricl equipment regulrly. Mke sure tht you use the correct fuses nd do not overlod the circuits. Ask for the help of qulified electricin if you re not sure. If you leve the property for more thn 24 hours, unplug ll unnecessry pplinces. Fires often hppen in kitchens. You cn put out chip pn fires y shutting out the ir. Cover the pn with lid or thick dmp cloth. Do not use wter or try to crry the pn out of doors. Flood 1 Gther essentil items together either upstirs or in high plce. 2 Fill jugs nd sucepns with clen wter. 3 Move your fmily nd pets upstirs, or to high plce with mens of escpe. 4 Turn off gs, electricity nd wter supplies when floodwter is out to enter your home if sfe to do so. 5 DO NOT touch sources of electricity when stnding in floodwter. 6 Keep listening to locl rdio for updtes or cll Floodline 0845 988 1188. 7 Floodwter cn rise quickly, sty clm nd ressure those round you. Cll 999 if you re in dnger. 8 Avoid wlking or driving through floodwter. 9 Keep children nd vulnerle people wy from floodwter. 10 Wsh your hnds thoroughly if you touch floodwter. Wter dmge Lg exposed wter pipes nd tnks in the roof re nd tps in the grge or outuildings. Cut off the wter nd drin the system if you leve the property without het in winter or leve it unoccupied for more thn 30 dys in row. If pipes freeze, despite your precutions, thw them out using hot wter ottles. Never use lowlmp. 2
Know your own property Keep detiled description of your property (including seril numers nd photogrphs, where possile). It will help you nd the police fter theft. If you cnnot provide good enough description, it hmpers the police in their work s items they elieve to e stolen cnnot e positively identified nd the thieves prosecuted. It lso mens tht lot of stolen property recovered y the police is never climed ecuse the owners cnnot identify it s elonging to them. Keep invoices s proof. Security When you go wy on holidy: stop newspper nd milk deliveries (do not tell lot of people tht you re going wy); nd plce ny silver nd vlules, which re not eing tken or worn, into sfe custody with nk or other suitle plce. Mke sure, efore you leve, tht ll doors nd windows re closed nd locked. Sfes Sfes offer n dditionl level of protection for your vlules ginst thieves. A sfe should e crefully chosen tking into considertion the vlue of the items intended to e locked within, where it is to e locted within your property nd ny future purchses of vlules tht you my mke. Sfes re normlly wrded 'csh rting' which indictes the mximum level of csh tht should e held within. The csh rting will e sed on the sfe s ility to withstnd fire nd ttck. For most sfes, the wrded csh rting cn e multiplied y ten in order to find the equivlent vlules limit e.g. Csh rting 1,000 = Vlules rting 10,000. A sfe supplier will e le to dvise you on the type of sfe tht is est for your needs. Further informtion on protecting your home cn e found on the following Home Office wesites: www.crimereduction.homeoffice.gov.uk/cpghs.pdf nd www.homeoffice.gov.uk/secureyourhome The mening of words If we explin wht word mens, tht word hs the sme mening wherever it ppers in your policy or schedule (other thn sections 4 nd 5). These words re highlighted in old throughout your policy. We hve defined the most common words elow: Allinz, we, Allinz Insurnce plc. us, our You, your the person nmed s the policyholder in the schedule, their prtner nd memers of their fmily permnently living with them t their home ddress shown in the schedule. Schedule printed document showing the sections of the policy you hve chosen, the sums insured nd ny endorsements tht pply to your policy. Storm strong winds in excess of 47 knots (54 MPH) tht my e ccompnied y hevy rin, snow or sleet. Insured Event loss, dmge, injury or liility rising from the listed events. Unfurnished not hving enough furniture to live in permnently. Unoccupied not hving een lived in for more thn 60 dys in row. Endorsement chnges to the terms of your policy which will e shown in your schedule or continution schedule. Policy the contrct of insurnce etween you nd us. Wter Tle the top level of underground wter where the soil is in permnent stte of sturtion. The tle my rise or fll depending on the level of precipittion tht infiltrtes from upper lyers of soil (unsturted soil). We explin other words t the eginning of ech section. To help you throughout this policy we hve printed wht is not covered in coloured oxes. 3
Section 1 Contents The mening of words Your home privte home t the ddress of the contents insured shown in the schedule, uilt of rick, stone or concrete nd roofed with slte, tile, metl, concrete, sestos or sphlt (or other roofing mterils if prt of flt roofed extension tht is no lrger thn 25 squre metres). It lso includes domestic grges nd outuildings on the sme premises used in connection with your home. This includes grges on nery sites used for domestic purposes. Contents household goods, office equipment nd personl elongings which you own or re responsile for, in your home. This includes: 1 fixtures nd fittings other thn lndlord s fixtures nd fittings; 2 television, stellite nd rdio receiving erils, eril fittings, solr pnels, wind turines nd msts fixed to your home; 3 phones; 4 vlules jewellery, gold nd silver rticles (including plted rticles) wtches, gemstones, clocks, furs, pictures, sculptures, other works of rt nd collections of stmps,medls nd coins. 5 gs nd electric cookers nd meters; 6 ll equipment you own or for which you re responsile nd use in connection with registered disility including ny fixtures nd fittings instlled nd not covered y your uildings policy; 7 lminted, wooden effect or vinyl floor coverings tht could resonly e removed nd re used; 8 crpets. Office equipment Computers, externl hrd drives, memory sticks, softwre, printers, fx mchines, photocopiers, typewriters, telecommunictions equipment nd office furniture used in your home in connection with your usiness or jo ut not worth more thn 7500 in totl; Contents does not include: property you hve insured under ny other policy; securities (finncil certifictes such s shres nd onds), certifictes nd documents (except those covered under event 22); mechniclly propelled or ssisted vehicles (which includes dult s nd children s motor vehicles, dult s nd children s motor cycles nd go krts) or their prts nd ccessories. Grdening mchinery nd wheelchirs re covered; crvns nd trilers or their prts nd ccessories; ircrft, hovercrft nd wtercrft (which includes silords, windsurfers nd models) or their prts nd ccessories; Lottery tickets nd rffle tickets; lminted, wooden effect or vinyl floor coverings tht could not resonly e removed nd reused; nimls; Wht is covered ny prt of the structure of your home (centrl heting system, ceiling, wllpper or similr except those covered under event 26); or property which you own or use t ny time for usiness, professionl or trde purposes (except for office equipment). Your policy covers loss of or dmge to contents cused y events: 1 to 10 nd 12 to 34 if your schedule shows tht you hve stndrd cover; or 1 to 34 if your schedule shows tht you hve ccidentl dmge cover. y ll of the following events The totl of the compulsory nd voluntry excess figures (s shown in your policy schedule) for ech insured event other thn Event 23. Loss, dmge, injury or liility shown in the generl exclusions. Events 1 Fire, lightning, explosion, erthquke. Smoke. Loss or dmge cused y smoke rising from nything which hppens grdully. Dmge cused y het where fire or lightning is not present. 2 Aircrft nd other flying ojects or rticles dropped from them. 3 The contents eing hit y: c vehicles; nimls; or flling trees or rnches. Loss or dmge cused y domestic nimls. Loss or dmge cused y felling or lopping trees. 4
4 5 6 Theft or ttempted theft. Any theft or ttempted theft which does not involve force or violence to get into or out of your home while you hve tennt, lodger or pying guest. Loss or dmge cused fter your home hs een left unfurnished or unoccupied for more thn 60 dys in row. Any mount over 7,500 for loss of or dmge to contents contined in your grges, greenhouses or outuildings. Loss or dmge cused y theft or ttempted theft from ny unttended vehicle unless ll windows nd sunroofs re securely closed nd ll doors nd the oot re locked. Contents must e completely hidden within the vehicle in glove comprtment, locked luggge comprtment or locked oot. Any mount over 1,000 for theft or ttempted theft from ny unttended vehicle. Mlicious people. Loss or dmge cused fter your home hs een left unfurnished or unoccupied for more thn 60 dys in row. Loss or dmge cused y tennt, lodger or pying guest. Wter leking or overflowing from wter tnks, pprtus or pipes or fixed heting instlltions or fixed wter tnks or fish tnks. Loss or dmge cused fter your home hs een left unfurnished or unoccupied for more thn 60 dys in row. The first 250 of ech clim. Loss or dmge cused y the filure or lck of pproprite selnt nd/or grout. Dmge cused y rivernk or the cost eing worn wy. Destruction or dmge to or resulting from solid floor sls moving unless the foundtions eneth the outside wlls of the uilding re dmged y the sme cuse t the sme time. Dmge cused y new structures edding down or newly mde up ground settling. 11 Accidentl loss or dmge (your schedule will show cover s ccidentl dmge if this event is insured y your policy). Property not inside your home. Contct lenses. Property insured under event 27. Loss or dmge while you hve tennt, lodger or pying guest living in your home. Loss or dmge cused y norml settlement. Loss or dmge cused y wer nd ter other thn loss of or dmge to ny item resulting from wer nd ter to clsp, setting or other fstening, crrier or continer. Loss or dmge cused y rot, mildew, rust, corrosion, insects, woodworm, vermin, dyeing, clening, repir or renovtion. Loss or dmge cused y electronic, electricl or mechnicl rekdown or filure. Loss or dmge cused y fulty design, specifiction, mterils or workmnship. Loss or dmge which hppens grdully, or loss of vlue. Loss or dmge cused y overwinding nd dmge to the inside of wtches or clocks. Loss or dmge cused y domestic nimls. The exclusions tht pply to events 1 to 10 lso pply to event 11. 7 8 Storm or Flood. Loss or dmge cused when the storm conditions re not met. Loss or dmge cused y frost. Loss or dmge to cellrs nd sements due to rise in the wter tle. Anything which hppens grdully. Riot, civil commotion, strikes, lour or politicl disturnces. 9 Oil leking from domestic heting instlltion t your home. Dmge cused to the instlltion. Television, stellite nd rdio receiving erils, eril fittings, solr pnels, wind turines nd msts reking or collpsing. 10 Susidence or heve of the site on which the uildings stnd, or lndslip. 12 Belongings you remove from your home. We will cover contents you temporrily remove from your home ginst loss or dmge resulting from events 1 to 3 nd 5 to 9. Contents will lso e covered ginst event 4 if the theft is from: ny nk or sfety deposit ox; privte home in which someody is living; ny uilding where you re employed or crrying on usiness; or ny other uilding if force or violence is used to get into or out of the uilding. Contents you remove to sell, exhiit or property kept in furniture storge units (unless it is covered under events 17 nd 18). Storm or flood for property not inside uilding. Csh, nk nd currency notes nd stmps. Contents covered under event 29. Any mount over 20% of the contents sum insured. Contents inside the oundries of the lnd elonging to your home. 5
13 Property of resident domestic stff. We will py for loss or dmge cused y ny of the events insured y this section to clothing nd personl elongings of your domestic stff while in your home or in ny privte home, ording house, lodging house, hotel or inn in which your stff re living with you. Csh, nk nd currency notes nd stmps. Property insured under ny other policy. 14 Home entertinment equipment nd computers. We will py for ccidentl loss of or dmge to television sets, video recorders, DVD plyers, gmes consoles, rdios, recording nd other udio equipment nd computer equipment in your home. Dmge to discs, records, cssettes, softwre, memory crtridges, flsh drives, tpes, loss of recording or dt. Electronic, electricl or mechnicl rekdown or filure including equipment filing to recognise ny dte. Wer nd ter. Dmge cused during ny process of clening, repir, ltertion, or from n item eing operted incorrectly. Dmge cused y domestic nimls. Dmge cused y tennt, lodger or pying guest. 15 Downloded Audio/Visul files We will py to replce leglly downloded udio/visul files lost s result of events 1 10 insured y this section. Any mount over 1,000. 16 Accidentl rekge of mirrors or glss. We will py for ccidentl rekge of mirrors, plte glss tops to furniture, fixed glss in furniture nd cermic hos while in your home. Loss or dmge cused fter your home hs een left unfurnished or unoccupied for more thn 60 dys in row. 17 House removl. We will py for ccidentl loss of or ccidentl dmge to contents while they re: eing moved y professionl removl contrctors to your new home in Gret Britin, Northern Irelnd, the Chnnel Islnds or the Isle of Mn; or in temporry storge for up to seven dys in furniture storge unit. Loss or dmge to vlules. Loss or dmge if you hve other insurnce. Crcking, scrtching or rekge of chin, glss or other rittle rticles unless they re pcked y professionl pckers. Loss or dmge while your contents re trnsported y se. Loss or dmge to office equipment. 18 Contents in furniture storge unit. While your contents re temporrily stored in furniturestorge unit in Gret Britin, Northern Irelnd, the Chnnel Islnds or the Isle of Mn for up to 92 dys we will py for loss or dmge y: fire, explosion, lightning, erthquke or smoke; or theft or ttempted theft which involves force nd violence to get into or out of the furniture storge unit. Vlules. Loss or dmge if you hve other insurnce. Loss or dmge in the first seven dys the contents re in storge (except s provided y event 17 of this section). Anything which hppens grdully. 19 Contents in the grden. We will py for loss of or dmge to contents, grden furniture nd grden ornments y ny of the events 1 to 10 insured y this section if you leve them in the open within the grounds of your home. Contents in or on motor vehicles, crvns, trilers or motor cycles. Trees, shrus nd plnts. Any mount over 750. 20 Loss of metered wter nd domestic heting oil. We will py for loss of metered wter or domestic heting oil due to your domestic wter or heting instlltions eing dmged. 21 Weddings, Civil Prtnerships nd Religious Festivls We will utomticlly increse the Contents sum insured y 10% for one month efore nd one month fter the dy of wedding, civil prtnership or religious festivl to cover presents ought or received for tht occsion providing this flls within the period of insurnce. 6
22 Deeds nd documents. We will py for loss or dmge y events 1 to 10 to documents (other thn money), which you own, while they re in your home or in sfe deposit, nk or solicitor s strongroom. 23 Compenstion for your deth. We will py 5000 if you die s result of violence from thieves or fire tht occurs within your home. For us to py clim, your deth must hppen within three months of the incident. 24 Counselling victims. If you suffer emotionl stress s result of n event insured y this section, we will py you the cost of ny professionl counselling which is recommended y qulified medicl prctitioner nd which we hve pproved efore you receive counselling. Any mount over 1500. 25 Rent. If your home is dmged y ny of the events insured y this section nd it cnnot e lived in, we will py for: ny rent you my hve to continue to py; resonle other expenses you hve to py for other ccommodtion ut only for the period necessry to put your home ck in fit stte to live in; c resonle expenses you hve to py for suitle ccommodtion for your domestic pets; nd d the necessry cost of temporrily storing your contents. Any mount over 20% of the sum insured y this section. 26 Tennt s liility. We will py ll mounts for which you re responsile s tennt (nd not s owner) for the following. Loss of or dmge to your home directly cused y: 1 fire, lightning, explosion, erthquke, ircrft, storm or flood; 2 ursting, leking or overflowing wter tnks, pprtus or pipes; 3 oil leking from ny fixed heting instlltion; 4 theft or ttempted theft; 5 television, stellite nd rdio receiving erils, eril fittings nd msts reking or collpsing; or 6 smoke. We will py ll mounts for ccidentl rekge of ll fixed glss including doule glzing, fixed snitry fittings forming prt of your home nd glss in solr pnel units. c We will py for ccidentl dmge cused y externl mens: 1 to underground wter, gs, sewer, or drinpipes, underground electricity nd telephone cles which rech from your home to the pulic supply; nd d 2 cess pits, septic tnks nd drin inspection covers. Accidentl dmge to fixed tnks, pprtus or pipes cused y internl stress due to freezing, overheting or excessive wter pressure. Loss or dmge cused fter your home hs een left unfurnished or unoccupied for more thn 60 dys in row. Any mount over 10% of the contents sum insured. Loss or dmge cused y frost, lndslip, susidence or heve. For event 266 only nything which hppens grdully. 27 Food in freezers. Loss of or dmge to food in freezer within your home cused y rise or fll in temperture or contmintion y the refrigernt or refrigernt fumes. Loss or dmge s result of delierte ct y you or the power supply compny. Loss or dmge due to deliertely clening or defrosting the pplince. Loss or dmge cused fter your home hs een left unfurnished or unoccupied for more thn 60 dys in row. 28 Loss or theft of keys. We will py the costs of replcing keys nd locks if keys to outside doors nd windows or to domestic sfes nd lrm systems within your home re stolen or ccidentlly lost. 29 Students personl elongings. Loss or dmge resulting from events 1 to 10 when you re living wy from your home while ttending college or university. Any mount over 3000. Any theft or ttempted theft which does not involve force nd violence to get into or out of uilding. 30 Trnsporting your wheelchir. We will py the costs of trnsporting you nd your wheelchir (including powered chirs) to your home if the chir is: ccidentlly dmged nd is unsfe or cnnot e used; or lost or stolen. Any mount over 250. 7
31 Shopping. Loss of or dmge to food nd other goods while you re trnsporting them from the shop where you ought them to your home. Any mount over 250. Loss or dmge cused y theft or ttempted theft from ny unttended vehicle unless ll windows nd sunroofs re securely closed nd ll doors nd the oot re locked. The contents must e completely hidden within the vehicle in glove comprtment, locked luggge comprtment or locked oot. Loss of or dmge to food from defrosting. Loss or dmge you cnnot provide receipts for. 32 Plnts. We will py for loss or dmge cused y events 1, 2, 3, 4, 5, 8 nd 10 insured y this section to trees, shrus, hedges, ushes, lwns nd plnts within the grounds of your home. Any mount over 500. Loss or dmge cused fter your home hs een left unfurnished or unoccupied for more thn 60 dys in row. Dmge cused y weight of snow. 33 Visitor s personl elongings. We will py for loss or dmge cused y events 1 to 10 insured y this section to your visitor s personl elongings whilst in your home. Any mount over 1000. Items covered y other insurnce. Personl elongings of pying guest or permnent guest. 34 Jury Service We will py up to 20 per dy for ny finncil loss resulting from you or your prtner eing clled for jury service. Any mount over 400. Expenses tht cn e recovered from ny other source. Security condition (See lso generl condition 1) If your schedule sys tht you hve lock discount, n lrm discount or tht you must hve compulsory security, you must keep to our security conditions. We will not py the first 250 of ny clim when it is s result of someone entering your home if you hve not kept to the security conditions elow. This is dditionl to ny excesses tht my pply. 1 Locks discount if we hve llowed you premium discount for locks, you must use ll the door nd window locks whenever you leve your home unttended. 2 Alrm discount if we hve llowed you premium discount ecuse your home is fitted with n intruder lrm which is mintined ech yer, you must set the lrm whenever you leve your home unttended. 3 Compulsory security if your schedule shows tht your policy depends on you following our minimum security stndrds then you must do the following: the door used s the finl exit door should e secured y mortise lock with t lest five levers, or other security dedlock which meets or is etter thn, BS3621 (thief resistnt locks) or key operted integrl multi point locking system; ll other outside doors unless they re secured s in ove, must e secured y dedlock nd key operted security olts tht re fitted on the top nd ottom of ech door; c ll opening ground floor windows nd other ccessile windows must e secured y key operted locks; nd d ptio doors must e secured y either key operted integrl multi point locking system or y key operted locks fitted t the top nd ottom of ech sliding door. Limits The most we will py for the following property is shown elow. 1 35% of the sum insured y section 1 Contents for jewellery, gold nd silver rticles (including plted rticles), wtches, clocks, furs, pictures, sculptures, other works of rt nd collections of stmps, medls nd coins not insured under section 3 Personl possessions. 2 15% of the sum insured y section 1 Contents for ny one item or collection mentioned in limit 1 ove. 3 500 for csh, nk or currency notes, cheques, postl or money orders, postge stmps, Ntionl Svings stmps nd certifictes, trveller s cheques, gift vouchers (suject to proof of purchse or ownership) premium onds, luncheon vouchers, nd credit, csh or cheque crds. 4 Any permnent repirs mde y our suppliers re gurnteed. 8
How we settle clims See lso generl exclusion 5 nd generl condition 3. 1 Items other thn clothing nd household linen. We will py to replce items which re totlly lost or destroyed. The replcement item will e sed on the specifiction of the originl item. We will not tke off ny mount for wer nd ter or loss of vlue s long s: the sum insured is enough to replce the insured property; nd the replcement is crried out stright wy. If you do not replce the insured property which is totlly lost or destroyed stright wy or if the sum insured is not enough to py for replcing the insured property, the mount we will py will e mrket vlue of the items. We will py to repir dmged items. 2 Clothing nd household linen. We will py to replce items which re destroyed. We will tke off n mount for wer nd ter or loss of vlue. We will py to repir dmged items. 3 We will py to remove deris. 4 Any permnent repirs mde y our suppliers re gurnteed. Index linking We will chnge your sum insured for contents in line with the Consumer Price Index. We will not chrge you n extr premium for ny increses in your sum insured due to index linking during ech period of insurnce. When we invite you to renew your cover, we will show you your updted sum insured nd premium for the following period of insurnce. We my use nother pproprite index s the sis for djustment. Index linking will not pply if you hve edroom rted policy. No clim discount When we work out the renewl premium you need to py to renew your policy, we will give you discount (s long s the insurnce hs een in force for 12 months nd you renew the policy for similr period) if you do not clim in the previous period of insurnce under section 1 Contents, section 2 Liilities nd section 3 Personl Possession. If you do mke clim the premium you need to py to renew your policy my e incresed s result. Mtching sets nd suites We will tret n individul item of mtching set of rticles or suite of furniture s single item. We will py you for dmged items ut not for the other pieces of the set or suite which re not dmged. Sum insured The sum insured you choose must e equl to the current replcement vlue of the contents within your home. We will not py more thn the sum insured for loss of or dmge to the property y ny of the events 1 to 17. 9
Section 2 Occupier s, personl nd employer s liilities The mening of words Injury odily injury including deth nd disese. Your home the privte home nd ll lnd elonging to it t the ddress of the insured property shown in the schedule. Dngerous niml Wht is covered n niml defined s dngerous in the Animls Act 1971 or dog of type descried in section 1 of the Dngerous Dogs Act 1991 or ny susequent legisltion. Your policy provides cover cused y the following events which hppen during the period of insurnce. We will py ll mounts you leglly hve to py s: compenstion nd climnt s costs nd expenses; nd legl costs nd expenses you py with our written permission in connection with defending ny clim. If you die, your personl representtive will hve the enefit of this section for ny liility you hve tht is covered y this section. Events 1 Occupier s nd personl liility We will cover liility rising s the result of ccidentl injury to ny person nd ccidentl loss of or dmge to property: ecuse you live in your home (not s owner); or while you, s privte individul, re in or wy from your home (not s owner). more thn three months, we will py you the mount of unpid compenstion or costs. We will only do this if: this section would hve pplied hd the wrd een mde ginst you rther thn to you; there is no ppel outstnding; nd we mke pyment under this event, nd you or your personl representtives trnsfer ny rights you hve under the judgement to us. 4 Temporry ccommodtion Points 2 nd 4e of wht is not covered (shown elow) will not pply to ccommodtion you temporrily live in for less thn three months. 5 Employer s liility We will py ll mounts you re lile for if ny employee is injured rising out of his or her employment under contrct of service or pprenticeship in connection with your home or privte household. Points 1 to 4 of wht is not covered (shown elow) nd generl exception 2 of this policy will not pply to this event. 1 Any liility you hve under ny greement unless you would hve the sme liility if the greement did not exist. 2 Any liility for loss of or dmge to ny property elonging to you or you re in chrge or control of (unless this is covered under event 4). 3 Any liility for injuring n employee rising s result of you employing them under contrct of service or pprenticeship (unless this is covered under event 5). 4 Any liility cused y or rising out of the following. 2 Trvel overses We will cover liility for injury, loss or dmge which hppens during ny journey or temporry visit to ny country in the world in which you do not own property if you live in: Gret Britin; Northern Irelnd; the Isle of Mn; or the Chnnel Islnds. 3 Court wrds you cnnot recover If you get judgement from ny court in Gret Britin, Northern Irelnd, the Isle of Mn or the Chnnel Islnds for compenstion nd climnt s costs nd expenses for injury or loss of or dmge to property ginst ny compny or individul sed in the countries nmed ove nd tht judgement is not pid for c You owning, possessing, or using (other thn s pssenger): ny mechniclly propelled vehicle or ny triler ttched to it (other thn pedestrin controlled grden tools, powered wheelchirs or ride on grden tools which re not licensed for rod use nd do not need Certificte of Motor Insurnce); ircrft nd model ircrft; or hovercrft or wtercrft (other thn ny hndpropelled ot, pontoon, silord or surford or ny ot hired for no more thn 12 hours nd which is under 18 feet long nd cnnot trvel fster thn 17 knots). You owning, possessing, or using dngerous niml or specilly controlled dog. Using ny horse for hunting, rcing or polo. 10
d e f g h Any pssenger lift which you re responsile for mintining other thn stirlifts nd other similr equipment which cn only crry one person. You owning, eing tennt or living on ny lnd or uilding other thn your home. You owning, possessing, or using firerm other thn licensed sporting guns nd irguns. Escpe of n niml or nimls from lnd on which they re usully kept (other thn from your home). Any wilful or mlicious ct. 5 Any liility which is insured y or would e insured y ny other policy if this section did not exist. 6 Any liility rising directly or indirectly out of your jo, usiness, trde or profession. 7 Any liility if you re injured (this does not pply to event 3, court wrds tht you cnnot recover). 8 Any liility for fines, penlties or liquidted dmges or ggrvted, punitive or exemplry dmges or ny dmges resulting from multiplying the compenstory dmges. 9 For event 3 only ny liility if the person owing you money is lso insured y this policy. 10 Loss, dmge, injury or liility shown in the generl exceptions. 11 For event 5 only ny liility for cusing the deth of or injuring ny employee if they hve driven or een pssenger in motor vehicle if you need insurnce under the Rod Trffic Act. Limit of liility We will not py more thn 2,000,000 under events 1, 2, 3 nd 4 of this section for ll compenstion nd climnt s costs nd expenses for ny one clim or series of clims rising out of ny one event. We will not py more thn 10,000,000 under event 5 of this section for ll compenstion nd climnt s costs nd expenses for ny one clim or series of clims rising out of ny one event. Section 3 Personl possessions nd money This section nd the insured events only pply when shown in your schedule. The mening of words Geogrphicl limits Unspecified personl possessions the British Isles, Europe, Mediterrnen cost nd islnds, Mdeir nd Cnry Isles. nywhere else in the world (for up to 60 dys in ny one yer of insurnce) if you re trvelling. clothing, ggge, personl items you normlly wer or crry (including gold nd silver items), jewellery, furs, wtches, photogrphic equipment, inoculrs, telescopes, portle stereo nd udio equipment, sports equipment nd pedl cycles with n individul vlue under 1,000, which you own or for which you re responsile. Money csh, nk or currency notes, cheques, postl or money orders, postge stmps, Ntionl Svings stmps nd certifictes nd trveller s cheques. Your home the privte home nd ll lnd elonging to it t the ddress of the insured property shown in the schedule. Credit Crds credit, csh, chrge or cheque gurntee crds. Specified personl possessions Wht is covered property shown in the personl possessions summry ttched to your schedule, which you own or for which you re responsile. Event 1 Unspecified personl possessions, money nd credit crds Accidentl loss of or dmge to unspecified personl possessions nd money while you re within the geogrphicl limits of this section. Event 2 Specified personl possessions Accidentl loss of or dmge to specified personl possessions while you re within the geogrphicl limits of this section. 11
Events 1 nd 2 Property you cn insure under section 1, event 27 food in The first 50 of ech clim. freezers. Money nd Credit Crds insured under event 1 will not include Loss, dmge, injury or liility shown in the generl loss: exceptions. Loss of or dmge to ts, hockey sticks, golf clus, fishing equipment nd rcquets whilst you or nyody with your permission re using them. Loss of or dmge to skiing or underwter equipment whilst you or nyody with your permission re using it. Loss or dmge cused y norml settlement, wer nd ter, other thn loss of or dmge to ny item resulting from wer nd ter of clsp, setting, or other fstening, crrier or continer. Loss or dmge cused y rot, mildew, rust, corrosion, insects, woodworm, vermin, dyeing, clening, repir or renovtion. Loss or dmge cused y electronic, electricl or mechnicl rekdown or filure. Loss or dmge cused y fulty design, specifiction, mterils or workmnship. Loss or dmge which hppens grdully or loss of vlue. Loss or dmge cused y overwinding nd dmge to the inside of wtches or clocks. Loss of or dmge to musicl instruments cused y tmospheric conditions or very hot or very cold tempertures. Breking musicl instrument strings or reeds. Loss or dmge cused y theft or ttempted theft from ny unttended vehicle unless ll windows nd sunroofs re securely closed nd ll doors nd the oot re locked. Personl possessions must e completely hidden within the vehicle in glove comprtment, locked luggge comprtment or locked oot. Any mount over 1,000 for theft or ttempted theft from ny unttended vehicle. Theft or ttempted theft which does not involve force nd violence to get into or out of your home while you hve tennt, lodger or pying guest. c d Limits cused y shortges due to mistkes or neglect; due to loss in vlue; not reported to the police within 24 hours of discovering the event; nd cused y credit, csh or cheque crds not eing reported to the issuing uthority s soon s you discover the loss or s soon s their office hours llow. Event 1 Unspecified personl possessions The most we will py for ny one item or set of items is 2000. Event 1 Money The most we will py is 500. Event 1 Credit Crds The most we will py is 1000. Index linking We will chnge your sum insured for this section in line with the Consumer Price Index. We will not chrge you ny extr premium for ny increses in your sum insured due to index linking during ech period of insurnce. When we invite you to renew your cover, we will show you your updted sum insured nd premium for the following period of insurnce. We my choose nother pproprite index when we djust your sum insured. How we settle clims The wy we settle clims will e the sme s tht under section 1 Contents. Theft of pedl cycle ccessories unless stolen with the cycle. Theft of pedl cycle unless you hve used lock to secure the cycle when it is left unttended elsewhere thn t your home. Loss or dmge cused fter your home hs een left unfurnished or unoccupied for more thn 60 dys in row. Property insured s unspecified personl possessions under event 1 will not include the following: Cmping equipment, dentures, pedl cycles with n individul vlue over 1000, vehicles nd their prts, wtercrft, ircrft, musicl instruments used professionlly or semi professionlly, firerms, domestic pplinces, furniture, furnishing nd household goods, or equipment or goods used in connection with your usiness, trde or profession. Event 1 The most we will py for this event is the sum insured shown in your schedule. Event 2 The most we will py for ech item shown in your personl possessions summry schedule is the sum insured shown ginst ech item. 12
No clims discount When we work out the renewl premium you need to py to renew your policy, we will give you discount (s long s the insurnce hs een in force for 12 months nd you renew the policy for similr period) if you do not clim in the previous period of insurnce under section 1 Contents, section 2 Liilities nd section 3 Personl Possessions. If you do mke clim the premium you need to py to renew your policy my e incresed s result. Section 4 Home legl dvice Lwphone. This policy includes ccess to Lwphone to give dvice, 24 hours dy, 365 dys yer, on ny personl legl mtter. The dvice you get from Lwphone will lwys e ccording to the lws of Gret Britin nd Northern Irelnd. We my record the clls for your nd our mutul protection nd our trining purposes. Lwphone: 0870 241 4140. When you cll Lwphone we will sk you for your reference numer which is 36285 nd you will then e sked for rief summry of the prolem nd these detils will e pssed on to n dviser who will return your cll. Section 5 Home legl protection This section only pplies to you when it is shown in your policy schedule. If you re covered y this section you will hve een provided with seprte ooklet, plese red it crefully. Section 6 Home emergency ssistnce This section only pplies when shown in your schedule. If you re covered y this section you will hve een provided with seprte ooklet, plese red it crefully. 13
Generl exclusions pplying to ll sections of this policy (other thn to sections 5 nd 6) This policy does not cover the following. 1 Wr nd other hostilities Dmge, liility, deth, injury, disility or ny loss cused directly or indirectly y wr, invsion, ct of foreign enemy, hostilities (whether wr e declred or not), civil wr, reellion, revolution, insurrection or militry or usurped power. 2 Terrorism Loss, dmge, cost or expense of whtever nture directly or indirectly cused y, resulting from or in connection with ny ct of terrorism, regrdless of ny other cuse or event contriuting t the sme time or in ny other sequence to the loss. An ct of terrorism mens the use, or thretened use, of iologicl, chemicl or nucler force y ny person or group of people, whether cting lone or on ehlf of or in connection with ny orgnistions or governments committed for politicl, religious, ideologicl or similr purposes including the intention to influence ny government or to put the pulic or ny section of the pulic in fer. 3 Rdioctivity Dmge to ny property, ny legl liility or ny loss directly or indirectly cused y: ionising rdition or contmintion y rdioctivity from ny nucler fuel, or from ny nucler wste from urning nucler fuel; or the rdioctive, toxic, explosive or other dngerous properties of ny explosive nucler mchinery or ny prt of it. 7 Loss of vlue Loss of mrket vlue fter n item is repired or replced. 8 Pollution or contmintion We will not py for dmge cused y or resulting from pollution or contmintion, other thn dmge cused y: pollution or contmintion which results from dmge y cuse which is insured y this policy; or dmge y cuse which is insured y this policy which results from pollution or contmintion. 9 Existing dmge Loss, dmge, injury or liility s result of n event which hppened efore the cover under this policy strted. 10 Grdul dmge Loss or dmge cused y nything tht hppens grdully. 11 Dte recognition nd computer viruses Loss of or dmge (including ccidentl dmge) to or rekdown of ny electronic equipment, cused directly or indirectly y: it filing correctly to recognise or process ny dt representing dte or prt of dte; or computer viruses. Electronic equipment includes: ny computer equipment, system or softwre; nd ny product, ccessory, equipment or mchinery contining, connected to or operted y dt processor chip. 12 Confisction Loss or dmge cused y officils or uthorities confiscting or holding your property. 4 Sonic ngs Loss or dmge y pressure wves cused y ircrft nd other flying ojects. 5 Delierte ct Loss, dmge, injury or liility: resulting from theft or ttempted theft y you; or resulting from delierte ct y you, your domestic stff or ny tennt, lodger or pying guest. 6 Deception Loss or dmge tht you suffered s result of eing deceived into knowingly prting with your property. 14
Generl conditions pplying to ll sections of this policy (other thn to sections 5 nd 6) 1 Resonle precutions You must keep insured property in good stte of repir nd tke ll resonle steps to prevent ccidents, injury, loss nd dmge. 2 Clims If you need to mke clim, you must do the following: Tell us s soon s possile out the event nd give us ny informtion we my need. Tell the police out ny dmge cused y theft, ttempted theft, mlicious people or if property is lost outside your home. Allow us to enter, tke or keep possession of ny insured property where the dmge hs hppened. We cn lso del with ny insured property in ny wy we think is pproprite. However, you must not ndon ny property nd leve it to us. Crry out nd llow us to tke ny ction we need to prevent more dmge. Tell us s soon s resonly possile out ny prosecution, inquest or enquiry connected with ny injury or dmge insured y this policy. Not py or offer or gree to py ny money or dmit responsiility without our permission. Allow us, in your nme, to tke over nd control ll negotitions nd proceedings which my rise for ny clim. Allow us to tke ny necessry ction to pursue nd enforce your rights ginst ny other person. We will py ny costs or expenses involved. We will not py ny clims under this insurnce unless you hve kept to this condition. If we hve lredy pid for clim or mke mistken pyment, you must repy us. 3 Repiring or replcing property If we re going to repir or replce ny insured property, you must give us ny plns, documents, ooks nd informtion we sk for. We will repir or replce the property s fr s it is resonly prcticl to do so. The most we will py for ny one item is the sum insured. opertionl costs which is suject to minimum mount pyle of 25 plus Insurnce Premium Tx t the previling rte except where n incident hs occurred which my give rise to totl loss clim, in which cse the full nnul premium my e pyle to us. If you choose to cncel this policy, ny dditionl optionl extrs will lso e cncelled. 6 Cncelltion (outside the Reflection Period) We my cncel this policy y giving seven dys notice in writing. You my cncel this policy y giving us notice in writing. If you cncel the policy we will provide pro rt refund sed on the nnul premium pyle less 10 chrge, s long s you hve not climed during the current period of insurnce. Where n incident hs occurred which my give rise to clim the full nnul premium my e pyle to us. If the mount due when you cncel the policy is more thn the mount you hve pid, you must py the difference. 7 Frud If you mke clim which is t ll flse or frudulent, or support clim with ny flse or frudulent sttement or documents, you will lose ll enefit nd premiums you hve pid for this policy. If you frudulently provided us with flse informtion, sttements or documents we my record this on nti frud dtses, we my lso notify other orgnistions. The Dt Protection Notice issued with your schedule provides dditionl informtion. 8 Premium You must py the premium or ny greed instlment when we sk. 9 Automtic reinsttement If you mke clim, we will not utomticlly reduce the sums insured y sections 1 nd 3 of this policy, s long s: the mounts to e reinstted during ny one period of insurnce re not more thn the mount of the sum insured; nd you tke ny resonle mesures we suggest to prevent further dmge. 10 Choice of lw Unless we gree otherwise: 4 Other insurnce If t the time of ny clim you hve other insurnce covering the clim, we will only py our shre of the clim. the lnguge of the policy nd ll communiction relting to it will e English; nd English lw will pply to this contrct of insurnce. 5 Reflection period You my cncel this policy within 14 dys of the dte you receive it. You cn do this y contcting us t the ddress shown t the ck of this policy. If you choose to do this, you re entitled to refund of the premium you hve pid for this insurnce. We will only chrge pro rt premium plus 15 to cover our 11 Pying premiums y instlments If you py your premium y direct deit or y ny other instlment method: should you cncel the policy you will e required to py ll future premium instlments up to wht would hve een the renewl dte. You will lso e required to py ll other 15
premiums you my owe. If you re due return premium under condition 6 of this policy your instlments will e djusted; nd we hve the right to tke ny premiums you hve not pid from ny clims pyment. If you do not py n instlment on the dte it is due, this will give us the right to cncel this policy from the dte premium ws due to e pid. 12 Administrtion chrges We cn mke resonle dministrtion chrges. 13 Contrcts (Rights of Third Prties) Act 1999 Under the Contrcts (Rights of Third Prties) Act 1999 or ny susequent legisltion, only you nd we my enforce ny terms of this policy. This will not ffect ny rights third prties (people other thn you nd we) hve under other lws. 14 Informtion nd declrtions We will only give you the cover descried in this policy if the informtion nd declrtions you hve supplied to us: orlly; electroniclly; or in writing t our request re complete nd correct s fr s you know. 15 Chnges you must tell us out The following re exmples of the types of chnges you need to s soon s resonly possile notify us out: permnent chnge of ddress; if your home is to ecome unoccupied for more thn 60 dys; if your home is to ecome unfurnished permnently; if your home is going to e used s holidy home; if your home is to ecome let out to tennts or shred with lodgers; if your home is not in good stte of repir; work tht is going to e done to your home which is not routine repir, mintennce or decortion; the numer of edrooms in your home is going to chnge; use of your home or prt of it for trde, usiness or professionl purposes. You do not need to notify us: if no one visits your home (including stff) in connection with the trde, usiness or profession; nd provided only clericl work is crried out. The conviction or pending prosecution of you for ny criminl offence (other thn motoring offences or ny offence clssed s spent under the Rehilittion of Offenders Act 1974) or ny susequent legisltion. If you re in dout s to whether the chnges my ffect the insurnce, then plese tell us. If you do not tell us out chnges, you my find tht you re not covered if you need to clim. 16 Automtic Renewl If you py your premium y instlment when your policy is due for renewl we will renew it for you utomticlly, this sves you the worry of rememering to contct us prior to the renewl dte. We will write to you efore the policy expires with full detils of your next yer s premium nd policy conditions. If you do not wnt to renew this policy, ll you need to do is cll us on 0844 391 4108 to let us know. Should we decide tht we will not renew your policy we will notify you in writing prior to the renewl dte. The utomtic renewl process only pplies if premium is pid y instlment. Adequte home insurnce cover is essentil in protecting your property nd the contents inside it ginst mny unexpected events such s flood, susidence, theft or storm. Individul insurers will form their own view on wht is n cceptle risk to them nd this my ffect your ility to otin cover with nother insurer. Plese mke sure tht you hve rrnged dequte lterntive insurnce efore llowing this policy to lpse. 17 Joint nd dditionl policyholders If there re two or more policyholders nmed on the policy, either my mend the policy, mke clim, remove policyholder or cncel the policy. Notes We hve used some specific terms in the policy wording nd the following re explntions to help you understnd them. These explntions do not form prt of the policy wording. Liquidted dmges These re dmges where the mount to e pid for filing to keep to the terms of contrct hs een greed y the people involved in the contrct, t the time the contrct ws mde. Punitive or exemplry dmges These re dmges tht re wrded to punish you s well s compenste the other person if you did nything deliertely. Aggrvted dmges These re dmges tht re wrded when your ehviour or the circumstnces of cse increse the injury to the other person ecuse they re humilited, distressed or emrrssed. Multiplying compenstory dmges In some res of the world the mount of money wrded s compenstion is sometimes multiplied two, three or more times s punishment to you. 16
Peel off nd keep your hndy Cornhill Direct Helpline crd somewhere sfe. Then you lwys know how to contct us. You my lso wish to sve these numers onto your moile phone. PLEASE STICK CARD HERE
How to contct us 0844 391 4108 Home Insurnce Customer Helpline Open 8m 8pm Mondy Fridy 9m 3pm Sturdy 0844 391 4110 Home Clims Helpline Open 8m 6pm Mondy Fridy 9m 1pm Sturdy To improve our customer service, clls my e recorded or monitored www.cornhilldirect.co.uk Cornhill Direct is trding nme of Allinz Insurnce plc registered in Englnd no 84638 t 57 Ldymed, Guildford, Surrey, GU1 1DB, United Kingdom. Allinz Insurnce plc is uthorised nd regulted y the Finncil Services Authority, registrtion numer 121849 nd this cn e checked y visiting the FSA wesite t www.fs.gov.uk or y contcting the FSA on 0845 606 1234. DIG1105/11 10.11