General Information Contents Page General Information 1 Introduction 2 General Definitions 3 General Conditions 7 General Exclusions 11 How to make a Claim 14 Section 1 Building and Tenant rovements 15 Section 2 Contents 19 Section 3 Fine Art 24 Section 4 Valuables 28 Section 5 Liabilities 32 Section 6 Legal Expenses 38 Section 7 Home Emergency Benefit 48 Section 8 Travel 56 Complaints Procedure 77 This policy is a legal contract and it is important that you read it carefully to make sure that it meets your insurance requirements. If it does not meet your requirements or if your insurance requirements change, please let Synergy or your insurance agent know immediately. Synergy will rely on the information provided by you and the accuracy and truthfulness of that information. It is your duty to take reasonable care not to make a misrepresentation before the insurance contract is entered into or varied. If you deliberately or recklessly or carelessly misrepresent any relevant information to Synergy, you may invalidate your policy or your policy may not operate fully. You should read this policy together with your current schedule which gives precise details of the cover. For and on behalf of Synergy Insurance Services (UK) Limited. Emma Bennett Director of Underwriting Page 1 of 80
Introduction In return for payment of the premium shown in the schedule, we agree to insure you, subject to the terms and conditions contained in or endorsed on this policy, against loss or damage you sustain or legal liability you incur for accidents happening during the period of insurance shown in the schedule. The insurance relates ONLY to those sections of the policy which are shown in the schedule as being included. In respect of Sections 1 to 5, the written authority allows Synergy Insurance Services (UK) Limited to sign and issue this wording on behalf of underwriters whose details are shown in the schedule. Underwriters are authorised and regulated by the Financial Conduct Authority (FCA). SEVERAL LIABILITY CLAUSE PLEASE NOTE This notice contains important information. PLEASE READ CAREFULLY The liability of an insurer under this contract is several and not joint with other insurers party to this contract. An insurer is liable only for the proportion of liability it has underwritten. An insurer is not jointly liable for the proportion of liability underwritten by any other insurer. Nor is an insurer otherwise responsible for any liability of any other insurer that may underwrite this contract. The proportion of liability under this contract underwritten by an insurer (or, in the case of a Lloyd s syndicate, the total of the proportions underwritten by all the members of the syndicate taken together) is shown in this contract. In the case of a Lloy syndicate, each member of the syndicate (rather than the syndicate itself) is an insurer. Each member has underwritten a proportion of the total shown for the syndicate (that total itself being the total of the proportions underwritten by all the members of the syndicate taken together). The liability of each member of the syndicate is several and not joint with other members. A member is liable only for that member roportion. A member is not jointly liable for any other member roportion. Nor is any member otherwise responsible for any liability of any other insurer that may underwrite this contract. The business address of each member is Lloy s, One Lime Street, London EC3M 7HA. The identity of each member of a Lloy syndicate and their respective proportion may be obtained by writing to Market Services, Lloyd s, at the above address. Although reference is made at various points in this clause to this contract in the singular, where the circumstances so require, this should be read as a reference to contracts in the plural. Treating customers fairly At Synergy Insurance Services we hold our clients interests uppermost in everything we do, from the design of our products to the delivery of the highest possible standard of service we can achieve. We naturally subscribe to and actively follow the FCA's Treating Customers Fairly initiative. If you would like to know more about our client philosophy or if you have any questions or concerns about our products and services, whether before, during, or after the point of sale, please do not hesitate to contact us at Synergy Insurance Services (UK) Limited, Fountain House, 130 Fenchurch Street, London EC3M 5DJ. Page 2 of 80
General Definitions The following definitions apply to all sections of this policy, with additional definitions applying to Section 6 Legal Expenses, Section 7 Home Emergency Benefit, and Section 8 Travel. Each time one of the words below is used it will have the same meaning wherever it appears in the policy or schedule. To help identify these words they will appear in bold in the policy wording. Act of terrorism An act, including using or threatening to use force or violence, which: is committed by a person or group of people, whether acting alone or in connection with an organisation or government; and is for political, religious, ideological or similar reasons. This includes trying to influence a government or the public or any section of the public. Amount insured The most we will pay as shown in the schedule. The amount applies to each incident of loss and will be automatically restored to the full amount after we pay a loss provided you carry out our recommendations to prevent further loss or damage. Building and tenant ovements The home, including walls, fences, gates, hedges, permanent fixtures and fittings, lifts, domestic fuel tanks, swimming pools, hot tubs, underground service pipes and cables, sewers and drains, terraces, patios, hard tennis courts, driveways, footpaths, alarms, radio and television aerials, satellite dishes, and their fittings and masts. Contents Household goods, clothing and personal property which belong to you or for which you are legally responsible. We do not include within contents: vehicles licensed for road use and their keys and accessories; caravans and their accessories; aircraft; watercraft and their accessories other than surfboards, sailboats and rowing boats and dinghies up to 3.6 metres in length; any item used for business activities other than office equipment and supplies used in the home; trailers, other than trailers and non-motorised horseboxes up to 4.5 metres in length; electronic data other than your personal digital data, music, video and photographs stored on your personal computer; any animal, plant or tree (cover for the garden is under Section 1); land or water. Credit cards Credit, debit, cheque, charge, bank or cashpoint cards all belonging to you. Page 3 of 80
General Definitions Domestic Duties Those duties relating to your home and gardens. who are employed to provide care for you. Domestic duties does not include the duties of those Domestic employee A person who carries out domestic duties for you in your home including housekeepers, nannies, cleaners, gardeners, part-time grooms, butlers, maids, and people employed by you to do domestic duties. Endorsement A change to the terms of the policy agreed by us in writing. Excess The amount for which you are responsible as the first part of each agreed claim. Fine art Individual items, collections and sets that are of particular value due to their historical age, style, artistic merit or collectability for which you are legally responsible including: Antique and designer furniture Paintings, drawings, etches, maps, prints and photographs Rugs and tapestries Books and manuscripts Statues and sculptures Porcelain and glass Clocks, barometers, objets art and curios Precious metals, gold and silver including plate Stamps, coins and medals Wine Collectables We do not cover fine art which is business property or valuables within the fine art section. Home The private dwelling, garages, outbuildings and greenhouses used for domestic purposes at the risk address(es) as shown in the schedule. Incidental farming Part-time farming activities including livery, hunting and shooting carried out by you at the address shown in the schedule, that does not involve the employment of others for more than 1,500 hours during the period of insurance, and where the total gross revenue does not exceed 25,000. Page 4 of 80
General Definitions Loss of sight/eye The complete and irrecoverable loss of sight of one or both eyes. Loss of limb(s) Money In the case of a lower limb, permanent physical severance at or above the ankle or permanent total loss of use of an entire leg or foot. In the case of an upper limb, permanent physical severance at or above the wrist or permanent total loss of use of an entire arm or hand. Cash, cheques, bank drafts, travel tickets, travellers cheques, current postage stamps, savings certificates, premium bonds, postal orders, phone cards, gift vouchers, or other negotiable documents. Outdoor items Garden furniture, ornaments, statues, swings, slides and climbing frames, and all other items normally kept outdoors in the garden of your home. Period of insurance The period of cover shown on your schedule. Policy This insurance document including the schedule and any endorsements. Premium payment We will not make any payment under this policy unless you have paid the premium due to us. If you make a claim under this insurance we will keep the premium that is due to us. If you are paying your premium by instalment we will ask you to either continue paying your premium by instalment or we may deduct any outstanding instalment from any claim payment we have agreed to make. Schedule The most recent schedule issued to you by us showing the persons insured, the period of insurance and your insurance cover. Territorial limit Section 6 for insured events 2 and 4 the United Kingdom, and countries in the European Union. For all other insured events the United Kingdom. Section 7 the United Kingdom. United Kingdom England, Wales, Scotland, Northern Ireland, the Isle of Man, and the Channel Islands. Page 5 of 80
General Definitions Unoccupied The home has not been lived in by you or any person authorised by you for more than sixty (60) days in a row or the property does not have enough furniture to be lived in. Valuables Jewellery, watches, gemstones, guns, furs, cameras and musical instruments. We, us, our All sections certain underwriters as detailed in the schedule You, your Sections 1 5 the person named in the schedule and all permanent members of that pers household including domestic employees who live in the home. Sections 6 and 7 the person(s) named in the schedule to which this policy attaches. Section 8 the person named in the schedule and all permanent members of that pers household including domestic employees who live in the home who are within the age limit. Page 6 of 80
General Conditions The following conditions apply to all sections of this policy, with additional conditions applying to Section 6 Legal Expenses, Section 7 Home Emergency Benefit and Section 8 Travel. Any extra conditions are shown in the sections to which they apply. 1) Assignment You cannot transfer your interest in this policy to anyone else without our written agreement. 2) Building works You must provide us with the full details of any building work over 100,000 in value that is due to take place at any of your residences shown in your policy schedule before the building works begin. Failure to notify us may result in any loss or any ensuing loss directly or indirectly caused by or relating to such building works not being covered under your policy. 3) Cancellation a) Your cancellation You are entitled to cancel this insurance by contacting us within fourteen (14) days of either the date you receive your policy documentation, or the start of the period of insurance, whichever is the later. Provided you have not made any claims, we will refund the premium. You may cancel this policy or any part of it at any time by returning it to us or notifying us in writing of the future date on which the cancellation is to take effect. b) Our cancellation We have the right to cancel your policy at any time by giving you thirty days' notice in writing where there is a valid reason for doing so. We will send our cancellation letter to the latest address we have for you and will set out the reason for cancellation in our letter. Valid reasons may include but are not limited to: Where we have been unable to collect a premium payment. In this case we will contact you in writing requesting payment by a specific date. If we do not receive payment by this date we will write to you again notifying you that payment has not been received and giving you 7 days' notice of a final date for payment. This letter will also notify you that if payment is not received by this date your policy will be cancelled. If payment is not received by that date we will cancel your policy with immediate effect and notify you in writing that such cancellation has taken place; Page 7 of 80
General Conditions Our cancellation cont Where you are required in accordance with the terms of this policy Booklet to co-operate with us, or send us information or documentation and you fail to do so in a way that materially affects our ability to process a claim, or our ability to defend our interests. In this case we may issue a cancellation letter and we will cancel your policy if you fail to co-operate with us or provide the required information or documentation by the end of the seven day cancellation notice period; Where there is a material failure by you to exercise the duty of care regarding your property; Where we reasonably suspect fraud; or Use of threatening or abusive behaviour or language, or intimidation or bullying of our staff or suppliers. Any premium due to you will be calculated on a proportional daily rate basis depending on how long this insurance has been in force. No return of premium will be given if a claim has occurred during the period of insurance. 4) Choice of law This policy will be interpreted and construed in accordance with English law and the parties submit to the non-exclusive jurisdiction of the courts of England and Wales. 5) Claims In the event of a claim or possible claim you must: a) advise the police as soon as reasonably possible if there has been a theft, attempted theft, riot damage, vandalism or any malicious act; b) advise us as soon as reasonably possible; c) not admit or repudiate liability without our written consent; d) send us all documentation relating to any court proceedings as soon as it is received; e) provide all details and evidence as we may reasonable require. We will only ask for information relevant to your claim and we will pay for any reasonable expenses you incur in providing us with the above information as part of your claim. 6) Contracts No person, persons, company or other party who is not named as the insured in this policy shall have any right under the Contracts ( rights of third parties) Act 1999 to enforce any terms and conditions of this policy. This shall not affect any right or remedy of a third party that exists or is available apart from the Act. Page 8 of 80
General Conditions 7) Correct amounts insured When deciding to accept this insurance we expect that the amounts insured will represent the full value of the property insured. We will adjust the amount insured for buildings and contents each month according to an appropriate index. We will not increase your premium for this. 8) Data protection notice We will hold your details in accordance with the applicable data protection law. In accepting your policy, you consent to us using the information we may hold about you for the purposes of providing insurance and handling any claims, and this may mean that we are required or have chosen to give some details to third parties where necessary. To facilitate the provision of insurance and claims services, these third parties may include: insurance regulatory authorities, the police, fraud detection and prevention agencies and databases, third party claims adjusters, the Motor Insurers Bureau, other insurance carriers, and reinsurance companies. We have taken reasonable efforts to ensure security of your personal information and if we do transfer your personal data we will make sure that it is appropriately protected. You have the right to apply for a copy of your information (for which we may charge a small fee) and to have any inaccuracies corrected. We and other organisations may also search agencies and databases to help make decisions about the provision and administration of insurance, credit and related services for you; trace debtors or beneficiaries, recover debt, prevent fraud, manage your accounts or insurance policies and check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity; undertake credit and/or additional fraud searches. 9) Misrepresentation We do not provide cover if you, or anybody acting on your behalf, has failed to take reasonable care not to make a misrepresentation in relation to any relevant information provided by you relating to this policy before inception or variation of your policy. 10) Joint insureds The most we will pay is the relevant amount insured. If there is more than one of you, the total amount we will pay will not exceed the amount we would be liable to pay to any one of you. 11) Maintenance You must maintain your property in a good state of repair and you must repair any partial loss or damage to your property. Page 9 of 80
General Conditions 12) Relevant information We have relied on the information that you have given us (including the information in any proposal form) in deciding to accept this insurance and in setting terms (including premium). You, or any party covered by this insurance policy, must notify us of any relevant information which alters the information previously provided to us; you must take reasonable care not to make a misrepresentation but to ensure that all information you provide is correct, accurate and complete. If you are in any doubt you should speak to us or your insurance agent. If any of the information on which this insurance is based changes, before or during the period of insurance you must tell us. If you are in doubt about any change, or what information may be relevant to your policy, please inform us. We reserve the right to amend the conditions of your policy and the premium. You should keep a record (including copies of letters) of all information supplied to us in connection with this insurance. No change or modification to this policy shall be effective except if confirmed in writing by us or unless covered under the policy changes condition of your policy. 13) Policy period The effective dates of your policy are shown in the policy schedule. Those dates begin and end at 00.01 standard time at the mailing address shown in your policy schedule. All covers on this policy apply only to occurrences that take place during the period of insurance as specified in your policy schedule. 14) Policy changes This policy can be changed only by a written amendment we issue. 15) Transfer of rights If we make a payment under this policy, we will assume any recovery rights you have in connection with that loss, to the extent we have paid for the loss. All of your rights of recovery will become our rights to the extent of any payment we make under this policy. You must do everything necessary to secure such rights, do nothing after a loss to prejudice such rights, and give us all the information and assistance necessary for us to achieve a settlement. 16) Unoccupied home You must tell us if your home is or is likely to be unoccupied. We may then amend the terms of this policy. Page 10 of 80
General Exclusions The following exclusions apply to the whole of this policy apart from Section 6 Legal Expenses, Section 7 Home Emergency Benefit and Section 8 Travel. Any extra exclusions are shown in the sections to which they apply. 1) We do not cover any loss or damage or liability directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority. 2) We do not cover: a) loss or destruction of or damage to any property whatsoever, or any loss or expenses whatsoever resulting or arising therefrom; b) or any legal liability of whatsoever nature; c) or death or injury to any person; directly or indirectly caused by or contributed to by or arising from biological or chemical contamination due to or arising from: terrorism; and/or steps taken to prevent, suppress, control or reduce the consequences of any actual attempted, threatened, suspected or perceived terrorism. For the purposes of this exclusion terroris involving: ans any act(s) of any person(s) or organisation(s) the causing, occasioning or threatening of harm of whatever nature and by whatever means; putting the public or any section of the public in fear, in circumstances in which it is reasonable to conclude that the purpose(s) of the person(s) or organisation(s) concerned are wholly or partly of a political, religious, ideological or similar nature. 3) We do not cover any loss or damage resulting from an error in computer programming or instruction to the computer. 4) We do not cover any loss, damage or liability caused by or resulting from your property being confiscated, taken, damaged or destroyed by or under the order of any government or public authority. 5) We do not cover any loss or damage caused by, or resulting from, defective maintenance or materials, design or workmanship. 6) We do not cover mechanical or electrical faults, breakdown or failure. 7) We do not cover any loss or damage caused by criminal acts, deliberate acts or deliberate omissions by you or anyone acting on your behalf. 8) We do not cover any loss or damage caused by frost. Page 11 of 80
General Exclusions 9) We do not cover any losses that are not directly associated with the incident that caused you to claim, unless expressly stated in the policy. 10) We do not cover: a) loss or destruction of or damage to any property whatsoever, or any loss or expenses whatsoever resulting or arising therefrom; b) any legal liability of whatsoever nature; directly or indirectly caused by or contributed to by or arising from: ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof. 11) We do not cover any loss or damage arising from riot or civil commotion occurring elsewhere other than in the United Kingdom. 12) We do not cover any loss or damage arising from pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds. 13) We do not cover: a) loss or destruction of or damage to any property whatsoever, or any loss or expenses whatsoever resulting or arising therefrom; b) or any legal liability of whatsoever nature; directly or indirectly caused by or contributed to by or arising from: computer viruses, erasure or corruption of electronic data; the failure of any equipment to correctly recognise the date or change of date. For the purposes of this exclusion omputer virus means a corrupting instruction from an unauthorised source that propagates itself via a computer system or network. 14) We do not cover any loss, damage or legal liability occurring before the commencement of this insurance. 15) We do not cover any liability arising directly or indirectly out of exposure to inhalation of, or fears of the consequences of exposure to, asbestos fibres or any derivatives of asbestos. Page 12 of 80
General Exclusions 16) We do not cover the cost of cleaning up, or removal of, or damage to property or any product arising out of any asbestos, asbestos fibres or any derivatives of asbestos. 17) We do not cover any loss or damage or legal liability arising out of the pollution or contamination of air, water or soil unless the pollution or contamination was caused by an accident which happened during the period of insurance and: a) you tell us about the incident as soon as possible but no later than sixty (60) days after the end of the period of insurance; and b) you prove that the contamination or pollution was caused immediately after the accident by a sudden release which could be identified and was not deliberate or expected. 18) We do not cover any claim where you would be entitled to be paid under any other insurance if this policy did not exist, except for any excess above the amount that would be covered under the other insurance. 19) The amount of the policy excess. This exclusion does not apply to any claim we have agreed to pay which is more than 10,000 and which is not subject to a compulsory excess shown in the schedule. 20) Loss or damage caused by: a) chewing, scratching, tearing, denting, or fouling by your pets; b) wear and tear, gradual deterioration, rusting, corrosion, rot, fungus, warping, action of light, moth or vermin, rodents, insects, pests, mould, damp, infestation or climatic conditions; c) faulty workmanship or design, or use of defective materials; d) demolition, structural repairs or any alterations to the buildings. 21) The cost of maintenance or routine redecoration. 22) Loss or damage caused by theft or attempted theft when the property is let or part let unless force and violence is used to gain entry or exit. This exclusion does not apply if the property is let to domestic employees or members of the family. 23) Loss caused by you not receiving goods or services you have paid for through any internet website. 24) Loss or damage caused by coastal or river erosion. 25) Loss or damage when the home is unoccupied by: a) escape of water from fixed tanks or apparatus during the period from November to March unless the system or appliance is turned off and drained or the heating is left on constantly; or b) malicious acts or vandalism; or c) freezing to any fixed water or heating installation; or d) theft or attempted theft. 26) We do not cover trips in USA in excess of 89 days. Page 13 of 80
How to make a Claim 1) Sections 1 4: Home and Contents In the event of a claim please contact your insurance agent in the first instance or call our telephone number below. Our telephone lines are manned twenty four (24) hours a day seven (7) days a week. Telephone number 08458 94 93 93 or if you are calling from abroad +44 20 7264 5099 Email claims@synergyinsurance.co.uk Emergency repairs If emergency repairs are required to prevent further damage you should arrange for them to be completed immediately. Should you require an emergency plumber or electrician please call the emergency number above and simply quote your Home and Contents policy number. 2) Section 5 Liability Claims In the event of someone holding you responsible for injury or damage you must notify us immediately and forward all relevant documentation. You must not admit liability or make an offer or promise of payment without our written consent, otherwise we will not have to pay your claim. Telephone number 08458 94 93 93 or if you are calling from abroad +44 20 7264 5099 Email: claims@synergyinsurance.co.uk 3) Section 6 Legal Expenses Please refer to page 47 of this policy wording. 4) Section 7 Home Emergency Benefit Please refer to page 54 of this policy wording. 5) Section 8 Travel Please refer to page 65 of this policy wording. Loss recovery We reserve the right to pursue, in your name but at our expense, recovery of amounts we may become liable to pay under this policy. In this event you must give us all the assistance we may reasonably require to do this. Payment of your claim You may elect to receive your claim payment by cheque or via electronic fund transfer. Claims Guarantee If we do not pay your claim within four (4) working days after you have agreed our settlement figure, we will pay interest at your ba base rate. We will not do this if your premium payments are not up to date or if your bank is not in the United Kingdom. You must provide your bank details at the time of settlement otherwise this offer does not stand. Page 14 of 80
Section 1 Building and Tenant mprovements What is covered We will pay for all physical loss and damage to your buildings listed in the schedule up to the amount insured during the period of insurance, provided that the loss or damage is not excluded under this section, the general conditions or under the general exclusions. Additional covers 1) Acquired disability We will pay up to 50,000 towards the cost of essential alterations to your home to enable you to live there unassisted following a sudden and unforeseen accident during the period of insurance which results in permanent disability. We will only do this if we agree the contribution prior to the alterations being carried out. If you claim for such loss under Sections 1 and 2, the most we will pay is 50,000. 2) Alternative accommodation If you have to move out of your home, following loss or damage to the buildings, we will pay the reasonable cost of necessary alternative accommodation for you and your domestic pets and horses. We will not pay alternative accommodation for more than three (3) years. 3) Garden cover We will pay the cost of re-landscaping your garden at home if your garden is destroyed by fire, lightning, collision, impact, theft or vandalism. The most we will pay for any one claim is 10% of the buildings sum insured at the location where the loss occurred up to a maximum of 25,000 during any one period of insurance. We will not pay any more than 2,500 for any one plant, tree or shrub. 4) Loss of rent We will pay for rent which you cannot recover as a landlord while your home cannot be lived in due to a loss under this section which we have agreed to pay. We will not pay loss of rent for more than three (3) years. 5) Replacement lock cover If the keys to any external doors and windows, alarm systems and safes are lost or stolen, we will pay the cost of replacing and installing the locks and keys. There is no excess applicable to this cover. 6) Trace and access We will pay the costs incurred to find the source of an escape of water, oil or gas from any fixed domestic water or heating installation and the cost of any subsequent repairs to walls, floors and ceilings. 7) Unfixed building materials We will pay for loss or damage to unfixed building materials and supplies owned by you and kept within the grounds of your home for use in the construction, maintenance or alteration of your home. The most we will pay for any one claim is 25,000. Page 15 of 80
Section 1 Building and Tenant mprovements 8) Sale cover If you are selling the buildings covered under this section, the purchaser will benefit from the cover provided under Section 1 of this policy, between the exchange of contracts and completion, provided that the purchaser completes the purchase and the buildings are not insured elsewhere. Page 16 of 80
Section 1 Building and Tenant mprovements What is not covered The following exclusions apply to the Building and Tenan Improvements section of the policy: We do not cover: 1) Loss or damage caused by coastal or river erosion. 2) Loss of or damage to outdoor items. 3) Loss or damage caused by storm or flood to gates, hedges or fences. 4) Loss or damage caused by subsidence, heave or landslip to: e) patios, terraces, hard tennis courts, swimming pools, ornamental ponds, fountains, cesspits, septic tanks, central heating fuel tanks, footpaths, drives, walls, gates, fences and railings unless the home is damaged at the same time by the same cause; f) solid floor slabs unless the foundations beneath the external walls of the home are damaged at the same time by the same cause. 5) Loss or damage caused by the movement of your buildings, including bulging expansion, shrinking or settling and any consequential cracking or inadequate foundations which do not meet building regulations at the time of construction, unless caused by subsidence, heave or landslip. 6) Loss or damage caused by freezing to swimming pools or hot tubs or loss or damage caused by water leaking from swimming pools or hot tubs. Page 17 of 80
Section 1 Building and Tenant mprovements Basis of claims settlement The sum insured of the buildings must represent the estimated cost of rebuilding the buildings if it were destroyed in a fire, not including fees and extra expenses. 1) Sum insured The sum insured for each building is shown on the policy schedule. Your sum insured may change following a visit from one of our appraisers as well as when the policy renews to take into account inflation. We will pay the cost of repairing, replacing or reinstating the buildings subject to the basis of payment indicated on your schedule. 2) Basis of payment This is indicated on your schedule. 3) Replacement cover We will pay the cost of rebuilding or repairing the damaged building up to the amount insured on the schedule. We expect you to carry out any repair work as soon as is reasonably possible. If you and we agree that it is unreasonable to carry out any repair work then we will pay you an amount that we consider to be fair. We will also pay any fees and extra expenses up to an amount equal to 25% of the insured cost of repairs to the building. 4) Extended replacement If at the time of a loss the replacement cost of your property has increased beyond the amount specified on the schedule, we will pay up to 150% of the amount specified provided that: You have had either a professional buildings valuation carried out within the last five (5) years, or a visit from one of our appraisers to calculate the correct rebuild cost and you have maintained this value annually including adjustments suggested by us, annual inflation costs and re-evaluations, to reflect the full rebuild cost. You have told us about any additions, alterations or improvements you have made to the buildings since the valuation or calculation was carried out and you amended the amount insured to reflect the work done. You reinstate, replace or repair the buildings at the same location. If you do not, payment reverts to a sum insured basis. Your home is not a Grade 1, Grade II* or a Grade A listed building. Page 18 of 80
Section 2 - Contents What is covered We will pay for all physical loss and damage to your contents up to the amount insured anywhere in the world during the period of insurance, provided that the loss or damage is not excluded under this section, the general conditions or under the general exclusions. Additional covers 1) Acquired disability We will pay up to 50,000 towards the cost of essential alterations to your home to enable you to live there unassisted following a sudden and unforeseen accident during the period of insurance which results in permanent disability. We will only do this if we agree the contribution prior to the alterations being carried out. If you claim for such loss under Sections 1 and 2, the most we will pay is 50,000. 2) Alternative accommodation If you have to move out of your home, following loss or damage to the contents, we will pay the reasonable cost of necessary alternative accommodation for you and your domestic pets and horses. We will not pay alternative accommodation for more than three (3) years. 3) Business contents We will pay for loss or damage to business property you own or lease while at your home. 4) Domestic water and oil We will pay for any accidental loss of metered water or oil lost from your fixed domestic water or heating fuel tank occurring during the period of insurance. 5) Fatal injury If you suffer a bodily injury caused as a result of a fire or aggravated burglary at your home during the period of insurance, and you die from that injury within twelve (12) months, we will pay a benefit of 50,000 for each adult that dies. We will not pay this benefit to domestic employees. 6) Loss of personal data If personal data or records stored in a computer in your home are lost as a result of a covered loss, we will pay the cost of reinstating the data or records on your computer. 7) Loss of personal documents If deeds, bonds, securities, or other similar private documents are lost or damaged as a result of a covered loss, we will pay the cost of replacing these personal documents. Page 19 of 80
Section 2 - Contents 8)Freezer contents We will pay for the cost of replacing food in your domestic freezer or refrigerator if it is spoiled by a rise or fall in temperature, provided it is not a deliberate act of the power supply authority. There is no excess applicable to this cover. 9) Marquee cover We will pay up to 25,000 for loss or damage to marquees and their associated lighting, heating and furnishings occurring during the period of insurance, provided that they are not insured elsewhere. 10) Money and credit cards Your money and credit cards are insured against physical loss or physical damage occurring anywhere in the world during the period of insurance. We will pay any amounts that you legally have to pay if your credit cards have been used without your permission after they have been lost or stolen, provided you follow all the terms under which the credit cards were issued. The most we will pay for credit cards, including unauthorised use, in total for each time your credit cards are lost or stolen is 30,000. The most we will pay for money in total for each incident of loss is 10,000. 11) Moving house We will pay for any loss or damage to contents in the course of removal by professional removal contractors between your home and any permanent residence anywhere in the world. 12) New possessions We will pay for loss or damage to your newly acquired contents up to 25% of the total contents sum insured, provided you advise us within ninety (90) days from the date of purchase and you pay the full additional premium applicable. 13) Personal property of visitors We will pay for loss or damage to the personal possessions of your guests and domestic employees who do not live in the home, whilst in any home listed on your schedule. We will not pay for loss or damage to their jewellery, watches, money or credit cards. 14) Rent owed to you If any home on your schedule cannot be lived in due to a covered loss under this policy we will pay for rent that you cannot recover as a landlord. We will not pay rent for more than three (3) years. 15) Rent you owe If any home on your schedule cannot be lived in due to a covered loss under this policy we will pay for rent that you have to pay as a tenant. We will not pay rent for more than three (3) years. Page 20 of 80
Section 2 - Contents 16) Replacement lock cover If the keys to any external doors and windows, alarm systems and safes are lost or stolen, we will pay the cost of replacing and installing the locks and keys. There is no excess applicable to this cover. 17) Student possessions We will pay for any loss or damage to your personal possessions whilst living away from home attending university, college or boarding school, or whilst on a work placement as part of your course or studies. 18) Trace and access We will pay the costs incurred to find the source of an escape of water, oil or gas from any fixed domestic water or heating installation and the cost of any subsequent repairs to walls, floors and ceilings. Page 21 of 80
Section 2 - Contents What is not covered The following exclusions apply to the contents section of the policy: We do not cover: 1) Loss or damage caused by coastal or river erosion. 2) Loss or damage to gardens. 3) Loss or damage to any item being transported unless it is adequately packed and secured depending on the nature of the item and how it is transported. 4) Any property belonging to visitors and domestic employees that are insured elsewhere. 5) Loss or damage to quad bikes, motorbikes or golf buggies whilst they are being used. 6) Loss or damage to rowing boats, dinghies or sailboards while they are being raced. 7) Loss or damage caused by freezing to swimming pools or hot tubs or loss or damage caused by water leaking from swimming pools or hot tubs. Page 22 of 80
Section 2 - Contents Basis of claims settlement The sum insured for contents must represent the full market value, or the cost of replacement, whichever is the greater. 1) Sum insured The sum insured for contents at each home is shown on the policy schedule. Your sum insured may change following a visit from one of our appraisers as well as when the policy renews to take into account inflation. 2) Replacement cover We will decide whether to repair or replace the lost or damaged item or to make a cash settlement based on the replacement cost. We will not make a deduction for wear and tear. The most we will pay is up to the contents sum insured. 3) Special limits cover The following amounts are part of the total sum insured for contents. We will not pay more than the amounts shown for any one claim. valuables, gold and silver - 5,000 outdoor items - 10,000 rowing boats, dinghies, sailboards - 7,500 trailers and non-motorised horseboxes - 7,500 quad bikes, tractors and ride on mowers - 7,500 guns - 5,000 precious metals - 5,000 furs - 5,000 collections - 5,000 money - 10,000 credit cards - 30,000 Page 23 of 80
Section 3 Fine Art What is covered We will pay for all physical loss and damage to your fine art up to the amount insured anywhere in the world during the period of insurance, provided that the loss or damage is not excluded under this section, the general conditions section or under the general exclusions. Additional covers 1) New possessions We will pay for loss or damage to your newly acquired fine art up to 25% of the total fine art sum insured, provided you advise us within sixty (60) days from the date of purchase and you pay the full additional premium applicable. 2) Defective title If during the period of insurance, a person claims that a piece of specified fine art is not rightfully yours and you are required by law to return the item to its rightful owner, because it is proved that you do not have good title to it, we will pay you the amount you paid for it or the value shown in the specification if this is less. We will only do this under the following circumstances: the item was purchased by you during the period that the fine art has been insured with us; and you advise us of the claim during the period of insurance; and you made reasonable enquiries about the ite rovenance before you bought the item. The most we will pay under this extension is 10% of the total amount insured for fine art, but no more than 100,000. This extension does not apply to any items that you inherited or that were given to you. 3) Death of artist If, during the period of insurance the value of any fine art item specified on your schedule has increased due to the death of the artist during that period of insurance, we will pay up to 200% of the sum insured for the item for up to twelve (12) months after the artist death, providing it has been lost or damaged. We will only do this if you can produce an independent valuation or purchase receipt which is not more than three (3) years old at the time of the loss or damage. You must be able to prove the increased value if you claim for the item. The most we will pay under this extension is an extra 100,000 during the period of insurance. Page 24 of 80
Section 3 Fine Art What is not covered The following exclusions apply to the fine art section of the policy: We do not cover: 1) Any loss or damage to stamps or coins caused by: a) fading, creasing, denting, scratching, tearing, thinning, colour transfer, dampness, or temperature extremes; or b) handling or being worked on. Page 25 of 80
Section 3 Fine Art Basis of claims settlement Items, pairs or sets worth more than 50,000 must be specified individually and held on file by us or your insurance agent. For fine art not listed individually in a specification, the full value is the replacement cost or current market value, whichever is the greater. 1) Specified items Those items in respect of which a valuation has been provided by you and accepted by us or a value has been agreed by us. For loss or damage to items specified in your policy we will pay as follows: total loss we will pay the value of that item. For items listed individually, the value is the amount shown for each item in the specification held by us or your insurance agent. partial loss if the item is partly damaged, you may decide whether we repair, replace or pay the value of the damaged item. If you decide to repair the damaged item, we will also pay for any loss in value. The most we will pay in total is the amount shown for each item in the specification held by us or your insurance agent. 2) Unspecified items All items that you have not specified. We will decide whether to repair, replace or make a cash settlement for any lost or damaged item. If we decide to make a cash settlement we will pay the market value of the item on the date of loss. If we decide to repair it we will also pay for any loss in value. The most we will pay for any one item, pair or set is 50,000. 3) Newly acquired items We will treat all newly acquired items as specified items for a period of sixty (60) days from the time of purchase or acquisition. If, after that time, you have not advised us of them individually and we have not agreed individual items, they will be treated as unspecified items. 4) Pairs and sets If any item which has an increased value because it forms part of a pair or set is lost or damaged, any payment we make will take account of the increased value. You may decide if we pay the value of the entire pair or set. The most we will pay is the value of that pair or set. 5) Full payment If we pay the full amount insured for an item, pair or set, then we have the right to take possession of it. Page 26 of 80
Section 3 Fine Art 6) Recovered property If we recover any of your property after a loss, we will write to you at your correspondence address shown in the schedule and you can buy it back from us within sixty (60) days. We will charge: the amount we paid for your claim plus interest; or the fair market value of the item at the time we recover it; whichever is less Page 27 of 80
Section 4 - Valuables What is covered We will pay for all physical loss and damage to your valuables up to the amount insured anywhere in the world during the period of insurance, provided that the loss or damage is not excluded under this section, general conditions or under the general exclusions. Additional covers 1) New possessions We will pay for loss or damage to your newly acquired valuables up to 25% of the total valuables sum insured, provided you advise us within sixty (60) days from the date of purchase and you pay the full additional premium applicable. 2) Defective title If during the period of insurance, a person claims that an item of jewellery is not rightfully yours and you are required by law to return the item to its rightful owner, because it is proved that you do not have good title to it, we will pay you the amount you paid for it or the value shown in the specification if this is less. We will only do this under the following circumstances: the item was bought by you during the period of insurance; you advise us of the claim during the period of insurance; and you made reasonable enquiries about the ite rovenance before you bought the item. The most we will pay under this extension is 10% of the total amount insured for jewellery, but no more than 100,000. This extension does not apply to any items that you inherited or that were given to you. Page 28 of 80
Section 4 - Valuables What is not covered The following exclusions apply to the valuables section of the policy: We do not cover: 1) Loss or damage to any item being transported unless it is adequately packed and secured depending on the nature of the item and how it is transported. Page 29 of 80
Section 4 - Valuables Basis of claims settlement Items, pairs or sets worth more than 25,000 must be specified individually and held on file by us or your insurance agent. For valuables not listed individually in a specification, the full value is the replacement cost or current market value, whichever is the greater. 1) Specified items Those items in respect of which a valuation has been provided by you and accepted by us or a value has been agreed by us. For loss or damage to items specified in your policy we will pay as follows: total loss we will pay the value of that item. For items listed individually, the value is the amount shown for each item in the specification held by us or your insurance agent. partial loss if the item is partly damaged, we will decide whether we repair, replace or pay the value of the damaged item. If we decide to repair the damaged item, we will also pay for any loss in value. The most we will pay in total is the amount shown for each item in the specification held by us or your insurance agent. 2) Unspecified items All items that you have not specified. We will decide whether to repair, replace or make a cash settlement for any lost or damaged item. If we decide to make a cash settlement we will pay the market value of the item on the date of loss. If we decide to repair it we will also pay for any loss in value. The most we will pay for any one item, pair or set is 25,000. 3) Newly acquired items We will treat all newly acquired items as specified items for a period of sixty (60) days from the time of purchase or acquisition. If, after that time, you have not advised us of them individually and we have not agreed individual items, they will be treated as unspecified items. 4) Pairs and sets If any item which has an increased value because it forms part of a pair or set is lost or damaged, any payment we make will take account of the increased value. You may decide if we pay the value of the entire pair or set. The most we will pay is the value of that pair or set. 5) Full payment If we pay the full amount insured for an item, pair or set, then we have the right to take possession of it. Page 30 of 80
Section 4 - Valuables 6) Recovered property If we recover any of your property after a loss, we will write to you at your correspondence address shown in the schedule and you can buy it back from us within sixty (60) days. We will charge: the amount we paid for your claim plus interest; or the fair market value of the item at the time we recover it; whichever is less. Page 31 of 80
Section 5 - Liabilities What is covered If the buildings are covered under Section 1 of this policy, you are automatically insured for your liability as owner of the relevant home. If the contents are covered under Section 2 of this policy, you are automatically insured for the following: Your liability as occupier of the home Your personal liability Your liability to your domestic employees. 1) Your liability as owner/occupier We will indemnify you against any claim that you become legally liable for as owner or occupier, due to an accident which happens during the period of insurance that causes bodily injury or physical damage to property in or around the home, provided that the claim is not excluded under this section, general conditions and/or the general exclusions. 2) Your personal liability We will indemnify you against any claim that you become legally liable for due to an accident which happens during the period of insurance that causes bodily injury or physical damage to property, provided that the claim is not excluded under this section, general conditions and/or the general exclusions. 3) Employ liability We will indemnify you against any claim you become legally liable for due to an accident which causes bodily injury or disease to your domestic employees, provided that the claim is not excluded under this section, general conditions and/or the general exclusions. The accident must happen during the period of insurance and arise from work the domestic employees are employed to do for you in the territorial limits or whilst on temporary trips abroad. Additional covers 1) Acquired land We will indemnify you against bodily injury or physical damage that you become legally liable for as owner of land you acquire during the period of insurance, provided that the land has not been acquired for property development, farming activities or any business pursuits, there are no buildings on it and the claim is not excluded under this section, general conditions and/or the general exclusions. You must notify us within sixty (60) days of the acquisition and pay the full additional premium we require. The most we will pay is 1,000,000. Page 32 of 80
Section 5 - Liabilities 2) Country pursuits We will indemnify you against a claim which you may legally have to pay in connection with or arising from any part-time country pursuits including farming activities, horticultural activities, hunting, shooting, fishing, and the provision of stabling and livery which is all incidental at your home. We will only do this if the hours worked by an employee do not exceed 1,500 hours per year, the total gross annual revenue generated from horticultural activities or caring of animals does not exceed 25,000 per annum and you are not entitled to indemnity under another policy. 3) Defective premises cover We will indemnify you against damages you are legally liable to pay in connection with any house formerly owned or occupied by you and incurred by reason of Section 3 of the Defective Premises Act 1972 or Section 5 of the Defective Premises (Northern Ireland) Order 1975 provided that at the time of the incident giving rise to liability you had disposed of all legal title to and interest in that home, and no other insurance covers the liability. The most we will pay in any one period of insurance is 5,000,000. If you cancel this policy on the sale of your home the cover provided by the Defective Premises Act 1972 will continue for seven (7) years from the cancellation date provided no other policy covers the liability. 4) Golf cover We will indemnify you for the following expenses whilst playing golf or participating in any activity at a golf club, anywhere in the world, unless stated otherwise or an exclusion applies. a) Third party damage We cover all property damage to another pers liability. roperty caused by you, irrespective of legal b) Personal accident We will pay up to 25,000 (or less if limited by law) in the event that you suffer a bodily injury whilst playing golf which results in your: Death Loss of limb(s) Loss of eye(s). Death, loss of limb(s) or loss of eye(s) must occur within twelve (12) months of the date of the incident. c) Hole-in-one cover We will pay you up to 500 for expenses incurred in the event of a e-in-on being achieved by you during an official competition. The score cards and certificate from your club or competition secretary must be submitted to us in the event of a claim. Page 33 of 80
Section 5 - Liabilities 5) Unrecovered damages We will pay for damages and taxed costs which have been awarded to you by a court in the United Kingdom but which have not been paid within three (3) months of the date of the award for: accidental bodily injury, accidental loss or damage to property. Provided that: the damages awarded were not in respect of an incident arising out of your profession, occupation or business; you would have been covered by this policy if you were in the position of the person you are claiming damages against; there is no appeal in progress; the amount payable does not exceed 1,000,000. Page 34 of 80
Section 5 - Liabilities What is not covered The following exclusions apply to the liabilities section of the policy: We do not cover the following: 1) Your liability for bodily injury to you or to your employees, unless they are domestic employees. 2) Your liability for loss or damage to property owned or occupied by or in the custody or control of you, other than property for which you as tenant are legally liable to the owner. 3) Your liability arising from: a) ownership of any dog described in Section 1 of the Dangerous Dogs Act 1991 or specified in the Dangerous Dogs (Northern Ireland) Order 1991 and any amending legislation; b) the ownership or use of a motorised land vehicle other than quad bikes, golf buggies, motorbikes under 51cc, domestic gardening equipment and wheelchairs; c) any aircraft; d) any caravan; e) any motorised vehicle, quad bike, golf buggy, motorbike under 51cc, domestic gardening equipment, wheelchair, trailer or non-motorised horsebox whilst being used on a public road or in circumstances where any Road Traffic Act or similar legislation says that you must have motor liability insurance; f) the ownership, possession or use of any watercraft unless shown on your schedule apart from sailboards, surfboards and hand-propelled boats; g) the ownership, possession or use of any unlicensed firearm; h) any animal other than incidental farming livestock or a horse or domestic pet. 4) Liability arising from a contract or agreement, whether written or not, which imposes a liability which would not have existed without the contract or agreement. 5) Any damages arising directly or indirectly from the transmission of any communicable illness, disease or virus whether transmitted intentionally or unintentionally. 6) Any business activity, profession or occupation or any activity carried out on your land that you derive an income from, other than incidental farming or the use of your home as an office for non-manual work. 7) Any incident occurring outside the period of insurance. 8) Any claims under the golfer cover arising directly or indirectly as a result of a pre-existing medical condition unless declared and agreed by us with any required additional premium paid. Nor will we pay any claims arising from a medical condition which is not substantiated by a written report from the treating doctor confirming your inability to play golf. 9) Any damages, claimant costs or expenses arising from libel, slander or defamation. Page 35 of 80
Section 5 - Liabilities 10) Any damages for you performing or your failure to perform professional services, including advice, for which you are legally responsible or licensed. 11) Your liability for punitive fines, penalties or damages. 12) Your liability arising out of any goods or products designed, manufactured, constructed, altered, repaired, serviced, treated, sold, supplied or distributed by you. 13) Your liabilities arising out of any work your employees do for you other than domestic duties, or incidental farming duties. 14) Your employees work in the United States of America or Canada, after they have been in either or both of these countries for more than eighty nine (89) days in total during the period of insurance. 15) Your liability under the Defective Premises Act for the cost of putting right any fault or alleged fault. 16) Your liability arising out of your ownership, occupation, possession or use of any land or building that is not at the address shown in the schedule other than: any land covered under Additional cover 1) Acquired Land; or damage to property for which you as tenant are legally liable to the owner. Page 36 of 80
Section 5 - Liabilities Basis of claims settlement We will pay up to the limit stated in the schedule for any one accident or claim. Page 37 of 80
Section 6 Legal Expenses: Definitions In addition to the general definitions the following definitions apply to Section 6 of the policy. Each time one of the words below is used it will have the same meaning wherever it appears in Section 6 or the schedule. To help identify these words they will appear in bold in the policy wording. Appointed advisor The solicitor, accountant, or other advisor appointed by us to act on behalf of the insured. Conditional fee agreement The separate agreement between the insured and your appointed advisor for paying his or her professional fees which is an enforceable conditional fee agreement within the meaning of sections 58, 58A, Courts and Legal Services Act 1990 (as substituted and inserted by section 27, Access to Justice Act 1999), the format and contents of which have been agreed to by us before it is entered into. Collective conditional fee agreement The separate agreement between the appointed advisor and us for paying his or her professional fees which is an enforceable conditional fee agreement within the meaning of sections 58, 58A, Courts and Legal Services Act 1990 (as substituted and inserted by section 27, Access to Justice Act 1999) which does not refer to specific proceedings but which provides for your appointed adviso fees and expenses to be payable on a common basis. Insured You, your spouse and other relatives permanently living with you in your principal home in the United Kingdom. Insured event Insurer 1) Employment Disputes Cover 2) Contract Disputes Cover 3) Property Disputes Cover 4) Personal Injury Cover 5) Tax Protection Cover 6) Legal Defence Cover 7) Identity Theft Cover Brit syndicate 2987 at Lloy Legal costs and expenses 1) In respect of all insured events other than as provided for in 2) and 3) below: a) Reasonable legal costs, fees and disbursements reasonably and proportionately incurred by the appointed advisor on the Standard Basis and agreed in advance by us. Page 38 of 80
Section 6 Legal Expenses: Definitions b) Reasonable accountancy fees, disbursements and other costs reasonably incurred by the appointed advisor and agreed in advance by us. c) Other side s costs incurred in civil claims where the insured has been ordered to pay them or pays them with our agreement. 2) In respect of insured events 1, 2 and 4 where the claim is brought within England and Wales and falls outside the jurisdiction of the Small Claims Court or an employment tribunal reasonable legal costs reasonably and proportionately incurred by the appointed advisor on the Standard Basis and agreed in advance by us or in accordance with the Predictable Costs scheme if applicable. 3) In respect of insured event 6) c) II. the insured s loss of earnings. Reasonable prospects of success 1) Civil claims Where the insured has a greater than 50% chance of successfully pursuing or defending the claim. If the insured is seeking damages or compensation, there must also be a greater than 50% chance of enforcing any judgment that might be obtained. 2) Criminal prosecution claims Where the insured pleads guilty, there is a greater than 50% chance of successfully mitigating the insured sentence or fine. 3) Tax claims Any dispute where the insured has a greater than 50% chance of being successful. 4) All claims involving an appeal Where the insured has a greater than 50% chance of being successful. Small Claims Court A court in England and Wales that hears a claim falling under the small claims track in the County Court as defined by Section 26.6 (1) of the Civil Procedure Rules 1999. Page 39 of 80
Section 6 Legal Expenses: Conditions In addition to the general conditions of this policy the following additional conditions apply to Section 6 Legal Expenses. Failure to keep to any of the following conditions may lead the insurer to cancel this section, refuse a claim or withdraw from an ongoing claim. The insurer also reserves the right to recover legal costs and expenses from the insured should this occur. 1) The insured responsibilities An insured must a) observe and keep to the terms of this policy; b) not do anything that hinders us or the appointed advisor; c) tell us immediately after you first become aware of any cause, event or circumstances which could give rise to a claim under this section; d) tell us immediately of anything that may be relevant to the claim; e) cooperate fully with the appointed advisor and us, give the appointed advisor any instructions we require, and keep them updated with progress of the claim; f) provide us with everything we need to help us handle the claim; g) take reasonable steps to recover legal costs and expenses that the insurer pays and pay to the insurer all costs that are recovered should these be paid to you; h) tell the appointed advisor to have the legal costs and expenses assessed or audited if we require; i) minimise any legal costs and expenses and try to prevent anything happening that may cause a claim; j) allow the insurer at any time to take over and conduct in the insured name any claim, proceedings or investigation. 2) The appointed advisor a) In certain circumstances as set out in 2) c) below the insured may choose an appointed advisor. In all other cases no such right exists and we shall choose the appointed advisor; b) Where the insured wishes to exercise their right to choose, they should write to us with their nominated representativ name and address. The insured chosen appointed advisor must agree to act under our standard terms of business and cooperate with us at all times; We may refuse to accept the insured nomination in exceptional circumstances. If we disagree over the appointment of an appointed advisor then we will agree for another suitably qualified person to decide the matter; c) If we agree to start legal proceedings and the court or tribunal requires any representative to be legally qualified, or there is a conflict of interest, the insured may choose a suitably qualified appointed advisor. The right of the insured to choose never applies to Employment Tribunal, Tax or Small Claims Court claims unless there is a conflict of interest; d) If the appointed advisor refuses to continue acting for the insured with good reason, the insured dismisses the appointed advisor without good reason, or the insured withdraws from the claim without our written agreement, cover will end immediately unless we agree to appoint another appointed advisor; e) The appointed advisor must enter into a conditional fee agreement with the insured or a collective conditional fee agreement with us if a claim under insured events 1, 2 or 4 will be decided by a court within England and Wales and falls outside the jurisdiction of the Small Claims Court; Page 40 of 80
Section 6 Legal Expenses: Conditions f) During the course of the relationship with our panel of service providers, we may, for particular types of claim, receive a fee from the appointed advisor to whom the claim is sent. This fee (if it does apply), is a separate arrangement between us and the appointed advisor, and will never compromise you or any claim that you make under the policy. 3) Our consent We must give our written consent to the insured to incur any legal costs and expenses. The insurer does not accept any liability for legal costs and expenses incurred without our written consent. 4) Settlement The insurer has the right to settle the claim by paying the value of your claim; The insured must not negotiate, settle the claim or agree to pay any legal costs and expenses incurred without our written agreement; If the insured refuses to settle the claim following: a reasonable offer, or advice to do so from the appointed advisor; the insurer may refuse to pay further legal costs and expenses. 5) Counsel opinion We may require the insured to obtain and pay for an opinion from counsel regarding the merits or value of the claim. If the opinion supports the insured then the insurer will pay for the opinion. 6) Arbitration If there is a dispute between the insured and us about the handling of a claim or the choice of an appointed advisor, you can make a complaint to us as described on page 76 of this policy and we will try to resolve the matter. If we are unable to satisfy your concerns you can ask the Financial Ombudsman Service to review the complaint. (See page 77 of this policy). 7) Dual insurance The insurer will not pay for any claim covered by another policy, or any claim that would have been covered by any other policy if this policy did not exist. Page 41 of 80
Section 6 Legal Expenses: General Exclusions The following exclusions apply to the whole of Section 6 Page 42 of 80 Legal Expenses: 1) The insurer does not cover legal costs and expenses incurred before we accept a claim. 2) The insurer does cover any actual or alleged act, omission or dispute occurring prior to, or existing at the inception of this section, and which the insured knew or ought reasonably to have known could give rise to a claim under this section. 3) The insurer does not cover any claim where the amount in dispute is less than 100, or if the amount in dispute is payable in instalments then the instalment due and payable at the time of making the claim must exceed 100. 4) The insurer does not cover an allegation or prosecution against the insured involving: a) assault, violence or dishonesty; b) malicious falsehood; c) the manufacture, dealing in or use of alcohol, illegal drugs, indecent or obscene materials; d) illegal immigration; e) offences under Part 7 of the Proceeds of Crime Act 2002 (money laundering offences). 5) The insurer does not cover a dispute with another insured or any members of the insured family. 6) The insurer does not cover an insured event arising from an insured s deliberate or reckless or careless act. 7) The insurer does not cover fines, penalties or compensation. 8) The insurer does not cover a judicial review. 9) The insurer does not cover patents, copyright, trade marks, passing-off, trade or service marks, registered designs, secrecy and confidential information. 10) The insurer does not cover a dispute with us or the insurer not dealt with under Condition 6. 11) The insurer does not cover defamation. 12) The insurer does not cover Group Litigation Orders. 13) The insurer does not cover: a) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; b) radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof; c) war, invasion, acts of foreign enemies, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection or military or usurped power; d) pressure waves from aircrafts or other aerial devices travelling at sonic or supersonic speed; e) any terrorist action (regardless of any other cause or event contributing concurrently or in any other sequence to the liability) or any action taken in controlling, preventing or suppressing terrorist action. If the insurer alleges that by reason of this exclusion any liability or loss is not
Section 6 Legal Expenses: What is covered Following an insured event or more than one insured event that arises from the same original cause the insurer will pay the insured legal costs and expenses up to 100,000 including the cost of appeals provided that: 1) the insured event occurs within the territorial limit; 2) the claim: always has reasonable prospects of success; is reported to us: - during the period of insurance; - immediately after the insured first becomes aware of circumstances which could give rise to a claim under this section; 3) unless there is a conflict of interest the insured always agrees to use the appointed advisor nominated by us in any claim: falling under the jurisdiction of an Employment Tribunal or the Small Claims Court, and/or; prior to the issue of proceedings; 4) any proceedings or hearing are dealt with by a court, tribunal or any other body that we agree to, in the territorial limit; 5) in respect of a claim under insured events 1, 2 or 4 the insured enters into a conditional fee agreement with the appointed advisor or your appointed advisor enters into a collective conditional fee agreement with us if the claim will be decided in a court within England and Wales and falls outside the jurisdiction of the Small Claims Court. Insured events 1) Employment disputes A dispute with the insured current, former or prospective employer relating to their contract of employment or related statutory rights. Provided that in respect of any claim falling under the jurisdiction of an Employment Tribunal the insured agrees to use the appointed advisor nominated by us. An employment dispute is deemed to have occurred once all internal dismissal, disciplinary and grievance procedures as set out in the Advisory, Conciliation and Arbitration Service Code of Practice on Disciplinary and Grievance have been or ought to have been concluded. 2) Contract disputes A dispute arising out of an agreement or alleged agreement which has been entered into by the insured. 3) Property disputes A dispute relating to material property which you own or is your responsibility: a) following an event which causes or could cause physical damage to your material property including your principal home; Page 43 of 80
Section 6 Legal Expenses: What is covered b) following a public or private nuisance or trespass provided that the insured is responsible for the first 250 of each and every claim. 4) Personal injury An event causing the insured personal injury. 5) Tax protection A formal aspect or full enquiry into the insured s personal tax affairs provided that all returns are completed and have been submitted within the statutory timescales permitted. 6) Legal defence a) Work Arising out of the insured s work as an employee: I. prior to being charged when dealing with the police or Health and Safety Executive or others with the power to prosecute; II. a prosecution brought against the insured in a court of criminal jurisdiction; III. a civil action brought against the insured for compensation under section 13 of the Data Protection Act 1998; IV. civil proceedings brought against the insured under legislation for unlawful discrimination. b) Motor A motoring prosecution brought against the insured. c) Other I. a formal investigation or disciplinary hearing brought against the insured by any trade association, professional or regulatory body; II. being absent from work to attend any court, tribunal, arbitration, disciplinary hearing or regulatory proceedings at the request of the appointed advisor or whilst on Jury Service. The amount we pay shall not exceed 100 per day or part thereof less whatever is recoverable from the court or tribunal subject to a maximum of 1,000. 7) Identity theft A dispute arising from the use of the insured fraud or other crimes. personal information without their permission to commit Page 44 of 80
Section 6 Legal Expenses: What is not covered The following extra exclusions apply in addition to the general exclusions under Section 6 Legal Expenses. 1) Employment disputes The insurer does not cover: a) any dispute relating solely to personal injury; b) the defence of any dispute other than defending a counter claim. 2) Contract disputes The insurer does not cover any claim relating to: a) the letting, leasing or licensing of land or buildings where the insured acts as the landlord; b) loans, mortgages, endowments, pensions, or any other financial or investment product; c) a business, venture for gain, profession or employment of the insured; d) contracts involving motor vehicles; e)a settlement due under an insurance policy; f) construction work on any land, or designing, converting or extending any building where the contract value exceeds 5,000 including VAT. 3) Property disputes The insurer does not cover any claim relating to: a) a contract entered into by an insured; b) any building or land other than your principal home; c) a motor vehicle; d) the compulsory purchase of, or restrictions or controls placed on your property by any government, local or public authority; e) defending any dispute under 3) a) other than defending a counter claim. 4) Personal injury The insurer does not cover any claim relating to: a) defending any dispute other than defending a counter claim. Page 45 of 80
Section 6 Legal Expenses: What is not covered 5) Tax protection The insurer does not cover any claim relating to: a) an investigation by the Special Civil Investigation Office or the Special Compliance Office of HM Revenue and Customs; b) an investigation under the Civil Investigation of Fraud procedure; c) the submission of returns or accounts where the HM Revenue and Customs levy a penalty or claim for interest or which contain negligent misstatements; d) a tax avoidance scheme; e) a business or venture for gain of the insured. 6) Legal defence The insurer does not cover any claim relating to: a) driving without motor insurance or a valid driving licence; b) parking offences. 7) Identity theft The insurer does not cover any claim relating to: a) any money claimed, goods, choses in action, or other property or equivalent costs obtained as a result of the identity theft. Page 46 of 80
Section 6 Legal Expenses: How to make a claim Claims procedure If you need to report a claim: Under no circumstances should you instruct your own lawyer as the insurer will not pay the costs incurred and it could invalidate your cover. Please telephone 08458 94 93 93 or if you are calling from abroad +44 20 7264 5099 where we can either take the details over the telephone, or you can request a claims form for completion. Alternatively, you can find further details at www.arag.co.uk/newclaims. Providing we accept a claim, we will arrange for a solicitor to quickly contact you with a view to progressing the case. Basis of claims settlement The maximum legal costs and expenses payable by the insurer in respect of all claims related by time or original cause is 100,000. Page 47 of 80
Section 7 Home Emergency Benefit: Definitions In addition to the general definitions the following definitions apply to Section 7 of the policy. Each time one of the words below is used it will have the same meaning wherever it appears in Section 7 or the schedule. To help identify these words they will appear in bold in the policy wording. Contractor The contractor or tradesman appointed by us to help you. Costs and expenses 1) costs reasonably and properly incurred by the contractor; 2) alternative accommodation costs incurred under insured event 8. Home emergency A sudden unexpected event occurring during the period of insurance which in our opinion requires immediate remedial action in order to: Insurer 1) prevent damage or avoid further damage to the home; and/or 2) render the home safe or secure; and/or 3) restore the main services to the home; and/or 4) alleviate any health risk to you. Brit Syndicate 2987 at Lloyd Insured event Vermin 1) main heating system cover 2) plumbing and drainage cover 3) home security cover 4) toilet unit cover 5) domestic power supply cover 6) lost keys cover 7) vermin infestation cover 8) alternative accommodation cover Brown or black rats, house or field mice, and wasps or hornets nests. Page 48 of 80
Section 7 Home Emergency Benefit: Conditions In additional to the general conditions of this policy the following additional conditions apply to Section 7 Home Emergency Benefit. Failure to keep to any of these conditions may lead the insurer to cancel this section, refuse a claim or withdraw from an ongoing claim. The insurer also reserves the right to recover costs and expenses from you should this occur. 1) Your responsibilities You must: a) observe and keep to the terms of this section; b) not do anything that hinders us or the contractor; c) tell us immediately after first becoming aware of any cause, event or circumstances which could give rise to a claim under this section; d) tell us immediately of anything that may be relevant to the claim; e) cooperate fully with the contractor and us; f) provide us with everything we need to help us handle the claim; g) take reasonable steps to recover costs and expenses that the insurer pays and pay to the insurer all costs that are recovered should these be paid to you; h) minimise any costs and expenses and try to prevent anything happening that may cause a claim; i) allow the insurer at any time to take over and conduct in your name any claim, proceedings or investigation. 2) Our consent We must give you our consent to incur any costs and expenses. The insurer does not accept any liability for costs and expenses incurred without our consent. 3) Settlement You must not negotiate, settle the claim or agree to pay any costs and expenses incurred without our written agreement. 4) Arbitration If there is a dispute between you and us, you can make a complaint to us as described on page 76 of this policy and we will try to resolve the matter. If we are unable to satisfy your concerns you can ask the Financial Ombudsman Service to review the complaint. (See page 77 of this policy). Page 49 of 80
Section 7 Home Emergency Benefit: Exclusions The following exclusions apply to Section 7 Home Emergency Benefit: 1) The insurer does not cover any costs and expenses which have been incurred before we accept a claim. 2) The insurer does not cover an insured event which happens within the first forty eight (48) hours if you incept this policy at a different date from any other related agreement. 3) The insurer does not cover any costs and expenses where there is no one at home when the contractor arrives. 4) The insurer does not cover any matter occurring prior to, or existing at the inception of the policy, and which you knew or ought reasonably to have known could give rise to a claim under this policy. 5) The insurer does not cover any wilful or negligent act or omission or any third party interference or faulty workmanship (including any attempted repair or DIY) which does not comply with recognised industry standards or manufacturer structions. 6) The insurer does not cover a central heating boiler which: a) is more than fifteen (15) years old; b) has not been subject to an annual service in the last twelve (12) months. 7) The insurer does not cover any LPG fuelled, oil fired, warm air, solar and un-vented heating systems or boilers with an output over 60Kw/hr. 8) The insurer does not cover the cost of effecting permanent repairs once the emergency situation has been resolved including any redecoration or making good the fabric of the home. 9) The insurer does not cover the interruption, failure or disconnection of the mains electricity, mains gas or mains water supply. 10) The insurer does not cover damage incurred in gaining access to the home. 11) The insurer does not cover the failure to maintain any system or equipment or the replacement of parts that gradually wear and tear over time. 12) The insurer does not cover garages, outbuildings, boundary walls, fences, hedges, cess pits, fuel tanks or septic tanks. 13) The insurer does not cover the property being left unoccupied for more than thirty (30) days consecutively. 14) The insurer does not cover goods or materials covered by a manufacturer s, suppli or installer s warranty. Page 50 of 80
Section 7 Home Emergency Benefit: Exclusions 15) The insurer does not cover the failure of equipment or facilities which is as a result of them not being installed, maintained or serviced in accordance with statutory regulations or manufacturer instructions, or which is caused by a design fault which makes them inadequate or unfit for use. 16) The insurer does not cover subsidence, landslip or heave. 17) The insurer does not cover property that is not your main residence or that you rent or let. 18) The insurer does not cover replacing or adjusting any decorative part of any equipment. 19) The insurer does not cover: a) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; b) radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof; c) war, invasion, acts of foreign enemies, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection or military or usurped power; d) pressure waves from aircrafts or other aerial devices travelling at sonic or supersonic speed; e) any terrorist action (regardless of any other cause or event contributing concurrently or in any other sequence to the liability) or any action taken in controlling, preventing or suppressing terrorist action. If the insurer alleges that by reason of this exclusion any liability or loss is not covered by this policy, the burden of proving the contrary shall be upon you. 20) The insurer does not cover a claim covered by another policy, or any claim that would have been covered by any other policy if this policy did not exist. Page 51 of 80
Section 7 Home Emergency Benefit: What is covered What is covered Following an insured event resulting from a home emergency the insurer will pay your costs and expenses according to the Basis of Settlement explained on page 53 of this policy provided that: the insured event occurs within the territorial limit; the claim is reported to us - during the period of insurance; - immediately after you first become aware of circumstances which could give rise to a claim under this section; you always agree to use the contractor chosen by us in any claim. You are covered for the following insured events: 1) Main heating system The total failure or breakdown of the main heating system in the home. 2) Plumbing and drainage The sudden damage to, or blockage or breakage or flooding of, the drains or plumbing system likely to cause damage to the home or its contents. 3) Home security Damage to or the failure of external doors, windows or locks which compromises the security of the home. 4) Toilet unit Breakage or mechanical failure of the toilet bowl or cistern resulting in loss of function providing there is no other toilet in the home. 5) Domestic power supply The failure of the hom domestic electricity or gas supply. 6) Lost keys The loss of the only available keys if you cannot replace them to gain access to the home. Page 52 of 80
Section 7 Home Emergency Benefit: What is covered 7) Vermin infestation Vermin causing damage inside the home or a health risk to you. 8) Alternative accommodation Your overnight accommodation costs including transport to such accommodation up to a maximum of 250 following a home emergency which renders the home uninhabitable. Page 53 of 80
Section 7 Home Emergency Benefit: How to make a claim Claims Procedure If there is an emergency in the home please contact us on 08458 94 93 93 or if you are calling from abroad +44 20 7264 5099 as soon as possible providing us with your name, address, postcode, and the nature of the problem. We will record your details and then decide on the best course of action to mitigate your loss and/or repair the damage. If the incident relates to an emergency covered under your policy we will instruct a member of our Emergency Contractor Network. Please note that adverse weather conditions and remote locations may affect normal standards of service. It is important you notify us as soon as possible and do not call out your own contractors as we will not pay the costs incurred and it could invalidate your cover. If you claim for alternative accommodation you should obtain our authority to incur any costs prior to us reimbursing you. If the incident is not covered by this section then we can still provide assistance which will be at your own cost. This may also be an event covered by another section of this policy and we will seek to advise you accordingly. Please note that you should report any major emergency which could result in injury or serious damage to the home, to the Emergency Services or the company that supplied the service. Basis of claims settlement We will pay the following: call-out charge, and/or labour up to a maximum of two (2) hours, and/or parts and materials up to a maximum of 100 towards parts and materials, and/or alternative accommodation costs up to a maximum of 250 subject to a maximum of 1,000 costs and expenses payable by the insurer in respect of all claims related by time or original cause. Page 54 of 80
Section 8 Travel: Important Information Synergy Travel Insurance provides worldwide holiday and business (non-manual) travel cover including travel in the United Kingdom if you stay for at least two (2) nights in pre-booked paid accommodation, during the period of insurance provided no single trip lasts longer than ninety (90) days. You must be domiciled in the United Kingdom. If the trip is not completed within ninety (90) days due to circumstances outside your control, cover will continue for a maximum of thirty (30) days at no additional premium. Any person travelling who is under the age of sixteen (16) years at the commencement of the trip must be accompanied for the entire trip by an adult who is also insured by this section. The maximum age for each insured is seventy five (75) years. Cover is provided for up to thirty (30) days in total for winter sports within the period of insurance. Pregnancy and childbirth We provide cover under Synergy Travel Insurance if something unexpected happens. In particular, we provide cover under Table of Benefits Section B for injuries to the body or illness that was not expected. We do not consider pregnancy or childbirth to be an illness or injury. To be clear, we only provide cover under Sections A and B of this policy, for claims that come from complications of pregnancy and childbirth. Please make sure you read the definition of complications of pregnancy and childbirth on page 58. Health exclusion: We will not pay any claim directly or indirectly caused or contributed to by you, or any person on whose health the trip may depend whose condition may give rise to a claim, if: 1) during the two (2) years prior to the commencement of cover under this section you or any person on whose health the trip may depend has been referred for any treatment, surgery, investigations or follow-ups at any hospital, surgery or clinic for any of the following medical conditions: I. asthma requiring inpatient treatment, bronchitis, any other lung or respiratory condition, cancer, any growth or form of malignancy, diabetes mellitus, epilepsy or fits, any kidney or bladder disorder, any mental or psychological condition; or II. any other medical condition that is ongoing or from which you or the person on whose health the trip may depend has suffered symptoms requiring inpatient treatment during the two (2) years prior to the commencement of cover under this policy and/or any trip. 2) you or any person on whose health the trip may depend, has ever had cardiovascular problems, or other heart conditions, hypertension or any cerebrovascular problems that have occurred at anytime prior to the commencement of cover under this policy and/or prior to any trip. 3) you or any person on whose health the trip may depend has been diagnosed with a terminal condition (including a person travelling with you or a relative). Page 56 of 80
Section 8 Travel: Important Information Activity and sports List Cover is available for the activities and sports listed below. This list is not exhaustive. If you intend to participate in any activity not noted below please contact us to request cover. Abseiling Angling Archery Assault course Badminton Banana boating Baseball Basketball Beach games Bowling Bungee jumping Canoeing Clay pigeon shooting Cricket Curling Cycling (except BMX and/or mountain biking) Deep sea fishing Dinghy sailing Fell walking Fishing Football (amateur) Game hunting Go karting Golf Handball Hiking Horse riding (excluding racing, jumping, polo and eventing) Hot air ballooning (as a passenger) Hovercraft Ice skating Indoor climbing Jet boating Jet skiing (no racing) Karting Kayaking (up to grade 2 only) Kite surfing Land sailing Laser games Mountain biking (no racing) Netball Organised safari (without guns) Orienteering Paint balling Pony trekking Quad biking (no racing) Racket ball Rambling Roller skating (including blading) Rounders Rowing Running (non-competitive) Sailing (with qualified crew, within coastal waters) Scuba diving (to 30 metres and accompanied) Sledging Snorkelling Softball Squash Surfing Swimming Table tennis Ten pin bowling Tennis Trekking (no guides or ropes) Tug of war Volleyball Walking Water polo Water-skiing Whale watching White water rafting (up to grade 4 only) Wind surfing Yachting (with qualified crew, within coastal waters) Page 57 of 80
Section 8 Travel: Important Information Reciprocal health agreement EU, EEA or Switzerland If you are travelling to countries within the European Union (EU), the European Economic Area (EEA) or Switzerland you are strongly advised to obtain a European Health Insurance Card (EHIC). If you do not already have one you can apply by a postal application from your local Post Office or online through www.dh.gov.uk/travellers or by telephoning 0845 606 2030. This will entitle you to benefits from the reciprocal health care arrangements which exist between countries within the EU/EEA or Switzerland. If we agree to pay for a medical expense which has been reduced because you have used either a European Health Insurance Card or private health insurance, we will not deduct the excess under Table of Benefits Section B. Australia If you need medical treatment in Australia you must enrol with a local MEDICARE office. You do not need to enrol when you arrive, but you must do this after the first occasion you receive treatment. In-patient and out-patient treatment at a public hospital will then be available free of charge. Details of how to enrol and the free treatment available can be found in the Health advice for Travellers booklet available from your local Post Office or by visiting either www.dh.gov.uk/travellers or the MEDICARE website on www.hic.gov.au. If you are admitted to hospital you must contact our Medical Assistance company as soon as possible and get their authorisation in respect of any treatment NOT available under MEDICARE. Page 58 of 80
Section 8 Travel: Definitions In addition to the general definitions the following definitions apply to Section 8 of the policy. Each time one of the words below is used it will have the same meaning wherever it appears in Section 8 or the schedule. To help identify these words they will appear in bold in the policy wording. Business colleague Any person employed by the same company as you, whose absence from business for one or more complete days at the same time as you prevents the effective continuation of that business and necessitates the cancellation or curtailment of your trip. Complications of pregnancy and childbirth Complications in pregnancy as diagnosed by a doctor or specialist in obstetric (provided that if you are travelling between twenty eight (28) and thirty five (35) weeks pregnant you obtained written confirmation from a registered medical practitioner of your fitness to travel no earlier that five (5) days prior to the commencement of your trip) during the trip Employee Any person under a contract of employment, service or apprenticeship with you. Excess The first amount of each and every loss that each insured shall pay. Injury A bodily injury resulting from an accident caused by violent, external and visible means and occurring solely and directly and independently of any other cause which occurs at an identifiable time and place within twelve (12) calendar months of the date of the accident. Loss of limb(s) Loss by physical severance at or above the wrist or ankle or the total and permanent loss of use of an entire hand, foot or leg. Loss of sight/eye(s) The complete and irrecoverable loss of sight of one or both eyes. Partner Your spouse, common-law spouse or civil partner. Page 59 of 80
Section 8 Travel: Definitions Permanent total disablement Total disablement which has lasted for twelve (12) consecutive calendar months and entirely prevents you from engaging in any occupation (for which you are suited by education, training or experience) for the remainder of your life. Radiation The emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement, or death, amongst people or animals. Relative Your or your partner parents, brother, sister, son, daughter, adopted or fostered children, grandparent, grandchild, step parent, step child, step brother or step sister. Terrorist activity An act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist activity can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of a terrorist activity can either be acting alone, or on behalf of, or in connection with any organisation(s) or government(s). Trip A holiday or a business trip (non-manual tasks only) which commences and ends in the United Kingdom, including travel in the United Kingdom if you stay for at least two (2) nights in pre-booked paid accommodation. Cover under Table of Benefits Section A commences at the time you book the trip during the period of insurance. Cover commences during the period of insurance when you leave your home or place of work whichever occurs last and ends when you return to your home or place of work or the date shown on the schedule whichever occurs first. Utilisation of biological weapons of mass destruction The emission, discharge, dispersal, release or escape of any pathogenic (di sease producing) microorganism(s) and/or biologically produced toxin(s) (i ncluding genetically modified organisms and chemically synthesised toxins) which are capable of causing incapacitating disablement or death amongst people or animals. Page 60 of 80
Section 8 Travel: Definitions Utilisation of chemical weapons of mass destruction The emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals. Utilisation of nuclear weapons of mass destruction The use of any explosive nuclear weapon or device or the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals. War Any activity arising out of or attempt to participate in the use of military force between nations and will include: Hostilities or warlike operations (whether war be declared or not) Invasion, civil war, rebellion, insurrection, revolution Act of an enemy foreign to your nationality, or the country in, or over, which the act occurs Civil commotion assuming the proportions of, or amounting to, an uprising Overthrow of the legally constituted government Military or usurped power Explosions of war weapons Terrorist activity Utilisation of nuclear, chemical or biological weapons of mass destruction however these may be distributed or combined Murder or assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to your nationality whether war be declared with that state or not. Winter sports Skiing; snowboarding; off-piste skiing and snowboarding except in areas considered to be unsafe by resort management unless with a qualified guide; cross-country skiing; mono-skiing; blading; langlauf; ski boarding; tobogganing and glacier walking or trekking up to 4,000 metres. You, your, insured The person named in the schedule and all permanent members of that pers domestic employees who live in the home who are within the age limit. household including Page 61 of 80
Section 8 Travel: General conditions The following conditions apply to Section 8 Travel: 1) Observance Failure to comply with policy conditions Our liability to make any payment under Section 8 shall be conditional upon your observance of all terms, provisions, conditions and endorsements of Section 8. Where you do not comply with any obligation to act in a certain way specified in Section 8 this may prejudice your position to recover under any claim. 2) Disclosure and representations We shall not be exposed to liability under Section 8 and you shall have no rights hereunder unless at the inception of Section 8 and at the time of any amendment: you were not in breach of any common law duty in regard to misrepresentation, and further; you had no knowledge and had received no information of any relevant matter, fact or circumstances (not being a matter of common knowledge of which we ought, in the ordinary course of business, to know independently) likely to give rise to a loss here under your performance of these obligations shall be a necessary prerequisite to cover, and in any proceedings by you or between you and us the burden shall in all circumstance be upon you to establish that these obligations have been complied with. 3) Travel period Cover in respect of each trip shall commence when you leave your home or place of work whichever occurs last and ends at the time you return to your home or place of work whichever occurs first. 4) Access to additional materials You shall provide us, or our designated representatives, all information, documentations, medical information that we may reasonably require at all reasonable times during the term of Section 8, or until resolution of all claims, whichever is later. 5) Right to medical records and medical examination Following notice of a claim, you shall provide, when requested by us, all authorisations necessary to obtain your medical records. We have the right to have you examined by a physician or vocational expert of our choice, and at our expense, when and as often as we may reasonably request. 6) Limitation In no case shall our liability in respect of you exceed the largest sum insured stated under the relevant section within Section 8. 7) Health declaration If you are over the age of seventy (70) years you must complete a Health Questionnaire form for each period of insurance so we may consider whether any medical terms are to apply. Page 62 of 80
Section 8 Travel: Exclusions The following exclusions apply to Section 8 Travel: We will not pay any claim directly or indirectly caused or contributed to by: 1) war. 2) the use, release or escape of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive contamination; or a) the dispersal or application of pathogenic or poisonous biological or chemical materials; or b) the release of pathogenic or poisonous biological or chemical materials. 3) motor cycling (other than mopeds or motor scooters under 125cc); mountaineering or rock climbing normally requiring the use of ropes or guides; driving a mechanically propelled vehicle in any kind of race; competition in events on snow or ice; freestyle skiing; ski jumping; heli-skiing; ice hockey; the use of bob sleighs and skeletons. 4) you, or any person on whose health the trip may depend whose condition may give rise to a claim, if: a) during the two (2) years prior to the commencement of cover under this section you or any person on whose health the trip may depend has been referred for any treatment, surgery, investigations or follow-ups at any hospital, surgery or clinic for any of the following medical conditions: I. asthma requiring inpatient treatment, bronchitis, any other lung or respiratory condition, cancer, any growth or form of malignancy, diabetes mellitus, epilepsy or fits, any kidney or bladder disorder, any mental or psychological condition; or II. any other medical condition that is ongoing or from which you or the person on whose health the trip may depend has suffered symptoms requiring inpatient treatment during the two (2) years prior to the commencement of cover under this policy and/or any trip. b) you or any person on whose health the trip may depend has ever had cardiovascular problems, or other heart conditions, hypertension or any cerebrovascular problems that have occurred at anytime prior to the commencement of cover under this policy and/or prior to any trip. c) you or any person on whose health the trip may depend has been diagnosed with a terminal condition (including a person travelling with you or a relative). 5) you travelling against medical advice. 6) you travelling for the purpose of receiving medical treatment. 7) you being aware of any medical condition which could reasonably be expected to lead to a claim. Note: You must inform us of any health changes to you or a relative happening after the policy is issued and before you travel. We have the right to alter the terms of cover in this instance. 8) flying, except as a passenger in an aircraft licensed to carry passengers. 9) professional entertaining. 10) travelling to a country where the Foreign and Commonwealth Office have advised against all but essential travel. 11) you being under the influence of, or being affected by alcohol or drugs (unless such drug has been prescribed by a qualified medical practitioner but not for the treatment of drug addiction). Page 63 of 80
Section 8 Travel: Exclusions 12) you attempting to commit or committing intentional self-injury or suicide. 13) the tour operator, airline or any other company, firm or person becoming insolvent, or being Claims Procedure unable or unwilling to fulfil any part of their obligation to you. 14) you taking part in manual labour or in any sport or activity not shown in the Important Information Activity and Sports List 15) any criminal or illegal act by you. 16) your operational duties as a member of the armed forces. 17) your participating in professional sports. 18) Human Immunodeficiency Virus (HIV) and/or Acquired Immune Deficiency Syndrome (AIDS) and/or any HIV or AIDS related illness. 19) your deliberate exposure to exceptional danger (other than in an attempt to save human life). 20) you after the expiry of the period of insurance during which you reach age seventy five (75) years. 21) trips in USA in excess of 89 days. 20) any national or citizen of the United States of America or any insured person who is domiciled in the USA for any trip to or within the USA. Page 64 of 80
Section 8 Travel: How to make a claim If you need to make a claim please call the following numbers: 1) Medical assistance notification In the event of an illness or injury during your trip which will require hospitalisation, in the first instance you must telephone our Medical Assistance line: Telephone number: +44 (0) 20 7264 5099 Fax: +44 (0) 1243 773 169 Email: travelassist@canopius.com 2) All other travel claims Telephone number: 08458 94 93 93 Outside the UK +44 020 7264 5099 Email: claims@cegagroup.com 3) Claims co-operation You shall provide assistance and co-operate with us or our representatives in obtaining any other records we deem necessary to evaluate the incident or claim. In no event shall we be liable to pay any claim hereunder unless you co-operate with us and/or our representatives in the investigation of the claim. 4) Claims notification On the happening of any occurrence likely to give rise to a claim under the policy, it is a condition precedent to our liability that you will ensure that notice is given to us in writing as soon as reasonably possible after the date of the occurrence and in any event within ninety (90) days. Page 65 of 80
Section 8 Travel: Table of Benefits Section Sum Insured Excess A - Cancellation and disruption 1.1 Cancellation, curtailment and get you there expenses 1.2 Additional travel and accommodation expenses 10,000 100 2,500 100 2. Missed departure 750 100 3. Travel delay benefit 50 for the first 12 hour period, 25 for any subsequent period to a maximum of 200 4. Alteration of itinerary 3,000 100 B - Medical, repatriation and other expenses 1. Medical and repatriation expenses 5,000,000 100 2. Emergency return to the United Kingdom 25 5,000,000 100 3. Hospital inconvenience benefit 50 for each completed 24 hour period up to a maximum of 1,000 4. Funeral expenses 10,000 100 C - Personal accident 1. Accidental death 50,000 Nil 2. Loss of one limb or one eye 50,000 Nil 3. Loss of two limbs or both eyes or loss 50,000 Nil of one limb and one eye 4. Permanent total disablement 50,000 Nil D - Delayed baggage and travel documents 1. Delayed baggage 200 25 2. Travel documents 500 100 E - Hijack and kidnap F - Winter sports 100 for each complete 24 hour period up to a maximum of 3,000 1. Equipment hire 35 per day up to a maximum of 250 Nil 2. Ski equipment 500 100 3. Lift pass 300 25 4. Piste closure 50 per day up to a maximum of 300 Nil 5. Avalanche cover 250 50 25 Nil Page 66 of 80
Section 8 Travel Section A: Cancellation and Disruption What is covered 1) Cancellation, curtailment and 'get-you-there' expenses We will pay you the following expenses incurred as the result of any of the Specified occurrences in paragraphs a) to e) below: Up to the sum insured shown in the Table of Benefits Section A, I.I in respect of irrecoverable loss of unused travel and accommodation expenses paid in advance or for which there is a contractual liability consequent upon the cancellation or curtailment of the pre-arranged trip or, if the trip is not cancelled. Up to the sum insured shown in the Table of Benefits Section A, I.2 in respect of reasonable additional travel and accommodation expenses incurred in fulfilling the pre-booked travel and accommodation commitments, including the use of equivalent local accommodation if rendered necessary by an occurrence covered under paragraph e). Specified occurrences: a) you sustaining an injury or becoming ill. b) the death, injury or illness of your relative, fiancé(e) or business colleague or of any person with whom you had arranged to travel, reside or conduct business or the immediate relative, fiancé(e) or business colleague of such person. c) you or any person with whom you had arranged to travel, reside or conduct business being: I. quarantined or called for witness or jury service; II. made redundant, provided that such redundancy qualifies for payment under the United Kingdom's Redundancy Payments Acts; III. called for emergency duty as a member of the armed forces, the defence or civil administration, IV. the police force, or the fire, rescue, public utility or medical services; required to be present at your home or place of business in the United Kingdom following a burglary or major damage caused by storm, flood or fire. d) the cancellation or delayed departure for twenty four (24) hours or more of an aircraft, sea vessel or other publicly licensed form of passenger transport in which you had previously booked to travel, resulting from any of the following contingencies: strike, industrial action, fire, flood, earthquake, landslide, avalanche, volcanic eruption, adverse weather conditions and accident or mechanical breakdown provided always that such contingency had not occurred, commenced or been announced before the booking was made in respect of the flight voyage or journey thus affected. e) major damage caused by storm, flood or fire rendering uninhabitable the accommodation in which you had previously booked to reside during the trip, excluding any waterborne vessel or craft. 2) Missed departure and transport diversion We will pay you up to the sum insured shown in the Table of Benefits Section A, 2 in respect of reasonable additional travel and accommodation expenses incurred by you in fulfilling your pre-booked travel and accommodation commitments: a) if at the commencement of the trip you miss your pre-booked international travel connection from the United Kingdom through disruption of your journey to the United Kingdom departure point occurring as the direct result of: Page 67 of 80
Section 8 Travel Section A: Cancellation and Disruption I. a fellow passenger or a crew member of the conveyance in which you are travelling sustains an injury or becomes ill after such journey has commenced; or II. any of the contingencies specified in subsection 1) d), provided always that such contingency had not occurred, commenced or been announced before the international travel booking was made if the United Kingdom journey is by scheduled public transport services, or before the United Kingdom journey commenced if such journey is by non-scheduled transport. b) if at any time during the trip an aircraft, sea vessel or other publicly licensed passenger conveyance in which you are travelling has to be diverted from its pre-arranged destination as the result of: I. a fellow passenger or a crew member sustaining an injury or becomes ill; or II. any of the contingencies specified in subsection 1) d), provided always that such contingency has not occurred, commenced or been announced before the booking was made in respect of the flight, voyage or journey thus affected. 3) Travel delay inconvenience benefit If you are delayed because of the late departure of an aircraft, sea vessel or other publicly licensed form of passenger transport in which you had previously booked to travel as a result of any of the contingencies specified in subsection 1) d), provided always that such contingency had not occurred, commenced or been announced before the booking was made in respect of the flight, voyage or journey thus affected, we will pay you: on the outward journey at commencement of the trip 50 for the first completed twelve (12) hour period that transport is delayed and 25 for each subsequent completed twelve (12) hour period, up to a maximum of 200 in all. And again for all subsequent journeys during the trip. 4) Alteration of itinerary We will pay you up to the sum insured shown in the Table of Benefits Section A, 4 for reasonable additional travel and accommodation expenses necessarily incurred by you in the alteration of the arrangements of the trip consequent upon you being the victim of a hi-jack, kidnap, terrorist or criminal act, or upon the cancellation of publicly licensed passenger transport services caused by any of the contingencies specified in subsection 1) d), provided that these occur or commenced during the trip. What is not covered We will not pay: 1) the excess amount shown in the Table of Benefits. 2) under subsections 1) d), 2) and 3) for claims arising out of any contingency that had occurred, commenced or been announced before the policy was effected, or the trip booked. 3) claims for cancelling or curtailing your trip due to any medical condition or set of circumstances known to you at the time that the insurance was effected or at the time that the trip was booked, whichever is the later, where such condition or circumstances could reasonably have been expected to give rise to cancellation or curtailment of the trip. 4) claims for you not wanting to travel. 5) losses outside the extent of the contractual liability. Page 68 of 80
Section 8 Travel Section A: Cancellation and Disruption Conditions and Limitations We shall only be liable: 1) to the extent of the contractual liability. 2) for claims arising from delayed departure under subsection 1) d) and 3) if you have obtained written confirmation from the Carriers or their Agents stating the actual date and time of departure and the reason for the delay. For the purposes of claims payment under these subsections the period of delay shall be taken as commencing at the departure time of the conveyance as specified in the booking confirmation supplied to you. 3) under subsection 2) a) if in the selection of the route, means of travel and time of departure you have done all things reasonable and practicable to minimise the possibility of late arrival at the United Kingdom departure point. 4) for claims under subsection 2) a) attributable to mechanical breakdown of non-scheduled transport if you have obtained a garage or motoring organisation report confirming the date, cause and time of such breakdown. Page 69 of 80
Section 8 Travel Section B: Medical, Repatriation and Other Expenses What is covered We will pay up to the sum insured shown in the Table of Benefits in respect of: 1) Medical and repatriation expenses (B, 1) The following expenses necessarily incurred outside the United Kingdom or within the Channel Islands as the result of you sustaining an injury or becoming ill during the trip: a) your medical, hospital and treatment expenses (including additional travel and accommodation expenses). b) your additional repatriation expenses; including compulsory quarantine. c) emergency dental treatment for the immediate relief of pain. d) accompanying medical attendants if agreed by prior consultation between your attending physicians and us or our appointed advisors. e) reasonable travel and accommodation expenses of a relative or friend (not necessarily an insured) who on medical advice is required to travel to, remain with or escort you. 2) Emergency return to the United Kingdom (B, 2) We will pay additional travel and accommodation expenses incurred by you following: a) the death or serious illness or serious injury of your relative, fiancé(e) or business colleague necessitating your presence in the United Kingdom. b) burglary or major damage at your home or place of business in the United Kingdom. c) the death or serious illness or serious injury of an accompanying insured, or the repatriation of such person as provided for in paragraphs 2) a) and 2) b) above. 3) Hospital inconvenience benefit (B, 3) We will pay 50 for each completed twenty four (24) hour period that you spend as a hospital in-patient outside the United Kingdom as the result of you sustaining an injury or becoming ill during the trip, up to a maximum of 1,000. 4) Funeral expenses (B, 4) The cost of transporting your remains or ashes to your former place of residence in the United Kingdom if you die during the trip, and/or the cost of burial or cremation if this takes place in the country abroad where the death occurred to a maximum of 10,000. Page 70 of 80
Section 8 Travel Section B: Medical, Repatriation and Other Expenses What is not covered We will not pay: 1) the excess amount shown in the Table of Benefits. 2) the cost of any medication, consultation or treatment the need for which could reasonably have been foreseen by you at the time that the trip commenced, nor for any travel, accommodation or other expense incurred in connection therewith. 3) normal pregnancy without any accompanying injury, illness or disease. 4) any expense incurred after you have returned to the United Kingdom or incurred after a period of twelve (12) calendar months has elapsed following the date on which the insured injury, illness or contingency first occurred or commenced during the trip whichever shall occur the sooner. 5) any claim that comes from pregnancy or childbirth, unless a medical practitioner confirms that the claim comes from complications of pregnancy or childbirth. 6) any medical expenses for more than twelve (12) months after incurring the first expense. Page 71 of 80
Section 8 Travel Section C: Personal Accident What is covered We will pay you the sum insured shown in the Table of Benefits Section C, 1-4 if at any time during the trip you sustain an injury as a result of an accident which results in your death or disablement. For insureds under sixteen (16) years of age at the date of the accident the Death Benefit is limited to 5,000 and all other benefits are reduced by 50%. For insureds over the age of sixty five (65) years of age at the date of the incident accidental permanent total disablement is deleted. Exposure Accidental death or permanent total disablement solely as a result of unavoidable exposure to severe weather conditions shall be deemed to be an injury. Disappearance If you disappear during the trip and if, after a reasonable period of time has elapsed and all available evidence examined, there is reason to presume that your death has occurred in accordance with the terms, provisions and conditions of Table of Benefits Section C, the accidental death benefit shall become payable. If at any time after such payment you are found to be living, the benefit sum paid shall be refunded to us. Conditions and Limitations 1) In no case shall our liability in respect of you exceed in total the largest sum insured applicable under any one of the items comprising the Table of Benefits. 2) No claim shall be payable under more than one item in the Table of Benefits in respect of the same injury. 3) In the event that an injury results in your death within thirteen (13) weeks of the date of an injury and prior to the settlement of a claim for disablement under items 2, 3 or 4 of the Table of Benefits Section C, the accidental death benefit shall be payable. 4) In the event of a claim our appointed medical advisor(s) shall be allowed to examine you as often as may be deemed necessary. 5) For the purpose of Table of Benefits Section C: a) Loss of a limb(s) shall mean the permanent and complete loss of or loss of use of a limb or limbs at or above the ankle or wrist. b) Loss of an eye(s) shall mean permanent and total loss of sight without hope of improvement; in both eyes, if your name is added to the Register of Blind Persons on the authority of a registered qualified ophthalmic specialist; or in one eye, if the degree of sight remaining after correction is 3/60 or less on the Snellen Scale. Page 72 of 80
Section 8 Travel Section D: Delayed Baggage and Travel Documents What is covered 1) Delayed baggage (D,1) We will pay up to the sum insured shown in the Table of Benefits Section D, 1 in respect of the cost of immediate necessities purchased or hired by you if on arrival at your outward destination you are deprived of your travel baggage for more than twelve (12) hours because of temporary loss or misdirection by the Carriers. 2) Travel documents (D, 2) Loss of passports, driving licences, green card, petrol coupons, travel tickets and ski passes occurring during the trip, including expenses directly consequent upon such loss. Cover in respect of travel documents shall commence at the time of their collection or receipt by you or seventy two (72) hours prior to planned commencement of the trip, whichever is the later. What is not covered We will not pay: 1) the excess amount shown in the Table of Benefits. 2) any loss not reported to the police within forty eight (48) hours of discovery. 3) confiscation or detention by Customs or other Authority. Page 73 of 80
Section 8 Travel Section E: Hi-Jack and Kidnap What is covered To pay the sum insured shown in the Table of Benefits Section E for each complete day that you are detained as the result of a hi-jack or kidnapping occurring during the trip. Page 74 of 80
Section 8 Travel Section F: Winter Sports What is covered 1) Equipment hire We will pay the sum insured shown in the Table of Benefits Section F, 1 for the hiring of replacement equipment if your skis, poles, snowboards, boots or bindings are lost or delayed for more than twelve (12) hours during your outward or onward trip. 2) Ski equipment We will pay up to the sum insured shown in the Table of Benefits Section F, 2 for theft or accidental damage to your specialist ski equipment which you have taken on the trip. 3) Lift pass We will pay up to the sum insured shown in the Table of Benefits Section F, 3 for the loss or theft of any unexpired period of your lift pass (based on a pro-rata calculation on the original value of the lift pass). 4) Piste closure If all lifts in your pre-booked ski resort are closed due to a lack of snow which means you have to travel to an alternative resort for skiing, we will pay up to the sum insured shown in the Table of Benefits Section F, 4 for one of the following: travel costs to the nearest available ski resort; or if you are unable to ski at a different resort the extra cost of acquiring a new or extended ski pass. 5) Avalanche cover We will pay up to the sum insured shown in the Table of Benefits Section F, 5 for necessary and reasonable extra travelling and accommodation expenses if your arrival or departure from your prebooked ski resort is delayed by more than twelve (12) hours due to an avalanche. Page 75 of 80
Section 8 Travel Section F: Winter Sports What is not covered We will not pay: 1) Equipment hire any claim not supported by a written report from the carrier responsible for the delay or damage to your skis or ski boots; any claim resulting from theft. 2) Ski equipment the excess amount shown in the Table of Benefits; more than 500 for any single article or pair; theft from a public place or where the equipment is left unattended when not in a locked and secure location; any accidental damage whilst your equipment is in use. 3) Lift pass the excess amount shown in the Table of Benefits. 4) Piste closure any claim not supported by a written statement from the management of the resort confirming the reason for the piste closure and the duration of the piste closure; any costs incurred at ski resorts less than 1,000 metres above sea level; any claim where the piste closure was public knowledge prior to the trip. 5) Avalanche cover the excess amount shown in the Table of Benefits; any costs incurred at ski resorts less than 1,000 metres above sea level. Page 76 of 80
Complaints Procedure Synergy is committed to providing you with the highest standard of service at all times and will make every effort to meet the high standards Synergy has set. If you have any cause to believe that Synergy has not attained the high standards that Synergy has set itself, and you have cause for complaint, in the first instance you or your insurance agent may contact Synergy at the following address: Synergy Insurance Services (UK) Limited Fountain House 130 Fenchurch Street London EC3M 5DJ Telephone: 08458 94 93 93 or if you are calling from abroad +44 20 7264 5099 Fax: 020 7283 9872 Email: complaints@synergyinsurance.co.uk Sections 1 5 and 8 After this action if you are still not satisfied with the way in which a complaint has been handled, you may ask the Policyholder and Market Assistance department at Lloy to review your case. Their address is: Policyholder and Market Assistance Lloy Market Services Lloy One Lime Street London EC3M 7HA Telephone: 020 7327 5693 Fax: 020 7327 5225 Email: complaints@lloyds.com Section 6 ARAG is committed to providing a first class service at all times. However, if a complaint arises, this should be addressed to our Customer Relations Department where we will arrange to have it reviewed at the appropriate level. They can be reached in the following ways: Customer Relations Department ARAG plc 9 Whiteladies Road Clifton Bristol BS8 1NN Telephone: 0117 917 1561 (hours of operation are 9am-5pm, Monday to Friday excluding bank holidays, for our mutual protection and our training purposes, calls may be recorded). Email: customerrelations@arag.co.uk Page 77 of 80
Complaints Procedure Section 7 In the fir using the number you rang to report your home emergency claim. They will try to address your complaint straight away. If in the course of those discussions its becomes clear that the matter cannot be resolved to your satisfaction, details of your complaint will be passed to ARAG's Customer relations Department for review at the appropriate level. ARAG will also contact you to let you know that they are reviewing your complaint. Alternatively you can contact ARAG's Customer Relations Department using the contact details shown for complaints about section 6 above. Section 6 & 7 Should you remain dissatisfied you may be entitled to pursue your be reached in the following ways: can Policyholder & Market Assistance Market Services, Lloyd's Fidentia House Walter Burke Way Chatham Maritime Kent ME4 4RN Telephone: 0207 327 5693 Fax: 0207 327 5225 Email: complaints@lloyds.com your satisfaction then you may refer it to the Financial Ombudsman Service (FOS) provided that it falls within their jurisdiction. They can be contacted at: Financial Ombudsman Service Exchange Tower Harbour Exchange Square London E14 9SR Telephone: E-mail: 0800 023 4567 if calling from a landline or 0300 123 9123 if calling from a mobile complaint.info@financial-ombudsman.org.uku rights. Page 78 of 80
Complaints Procedure These procedures do not affect your right to take legal action. For more information about your statutory rights you should contact your local Citizens Advice Bureau or your local authority Trading Standards Department. Synergy Insurance Services (UK) Ltd is covered by the FSCS. You may be entitled to compensation from the scheme if Synergy Insurance Services (UK) Ltd cannot meet its obligations. This depends on the type of business and the circumstances of the claim. Insurance arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance arranging is covered for 100% of the claim, without any upper limit. Further information is available at www.fscs.org.uk or by contacting the FSCS directly on 020 7892 7300. Page 79 of 80
Notes Synergy Premier Home & Contents Policy Wording 04/15