A Guide to Accommodation for Students in Wolfson College 2012-13

A Guide to Accommodation for Students in Wolfson College 2012-13

2 Contents 1. Accommodation at Wolfson College 3 1.1 Prices 3 1.2 Couples and Families 4 1.3 Termly licence versus period licence 4 1.4 Insurance 5 1.5 Definitions 5 1.6 Security 5 1.7 Fire Safety 6 2. The Houses 7 2.1 Williams House 8 2.2 Chadwick House 8 2.3 Barton House 9 2.4 Norton House 9 2.5 Plommer House 10 3. East Court & Toda House 11 3.1 East Court (M, N, O, P staircases) 12 3.2 Toda House 13 4. West Court 14 4.1 A block 14 4.2 C, D, E, F, G staircases 15 4.3 H, J, K, L staircases 15 5. The Western Field 17 5.1 R block 18 5.2 S block 18 5.3 T block 19 5.4 V block 19 6. Family Flats 20 7. The Rules 21 8. Accreditation Network UK 23 Appendix A: the College site 24 Appendix B: Room Licences 25 B1 Termly Licence 25 B2 Period Licence 28 Appendix C: Insurance 31 C1 Student Insurance Flyer 32 C2 Student Contents Policy Summary 33 C3 Student Contents Insurance Policy 36

3 1. Accommodation at Wolfson College There are 412 units of accommodation at Wolfson for students, mainly for single occupation but some for couples, accommodating up to 432 in total. In addition there are five family flats. This Guide tells you more about this accommodation and enables you to make an informed choice if you are applying for accommodation in 2012 13. 1.1 Prices When you rent a room at Wolfson College, the price includes the following: electricity, gas, water, computer network access, insurance, cleaning and consumables such as toilet paper. The insurance cover is explained in 1.4 and in Appendix C. The rent does not include bed linen, but this can be provided at a cost of 9.40 per two weeks. Rooms include telephone points, and telephones can be hired at 2.00 per month. These allow for free calls to all numbers on the University network and free incoming calls, as well as enabling calls to outside lines using a phone card. When comparing the room rents at Wolfson with private accommodation in Cambridge, please bear in mind what is included in the price: the cost of utilities such as gas and electricity is often extra and can be considerable. When looking at the prices at other Cambridge colleges, computer network access is often charged as an extra, and the free insurance cover is very valuable. Another thing to bear in mind is that Wolfson does not charge a Kitchen Fixed Charge, which many colleges do, so there are no hidden extras. As a student, you will not be liable to pay the local Cambridge City Council tax (although any nonstudent partners in College flats may be liable). There are six main prices. All prices are per week: Price 1: 86.87 (95 units) Price 2: 99.12 (41 units) Price 3: 111.72 (248 units) Price 4: 140.00 (8 units) Price 5: 161.00 (7 units, for couples) Price 6: 234.50 (12 units, for couples) Price 1 rooms are single study bedrooms with shared bathroom facilities. Price 2 rooms are small single study bedrooms with en suite bathroom facilities; or a small shared set (two study bedrooms sharing bathroom facilities and a kitchen, this being the price per study bedroom). Price 3 rooms are standard single study bedrooms with en suite bathroom facilities; or a standard shared set (two study bedrooms sharing bathroom facilities and a kitchen, this being the price per study bedroom); or standard single study bedrooms in the houses. Price 4 rooms are self contained single studio flats; or large single study bedrooms in Barton House. Price 5 rooms are for couples, either double studio flats or large bedrooms in houses. Price 6 rooms are for couples, large self contained double flats. There is also a flat in Plommer House, PH4, suitable for a couple, priced between Price 5 and Price 6 at 2 times Price 2. All rooms, whether ensuite or not, have their own wash basin (with the exception of one room in Chadwick House).

4 1.2 Couples and Families Couples where both partners are Wolfson students The options for couples where both partners are current Wolfson students are: Price 5 large rooms in Houses or double studio flats J21 or J22 Price 6 large double flats in S or T Flat PH4 in Plommer House These rooms are provided with either double beds or two single beds together. Also, the shared sets in Prices 2 and 3 can be taken by two Wolfson students to create a flat, as follows: Price 2 shared sets in N Price 3 shared sets in R or S In such cases, the College can move the two single beds into one bedroom to create a double bed, leaving the other bedroom as a separate study. Couples where only one partner is a Wolfson student The only options for couples where only one partner is a current Wolfson student are: Price 5 large rooms in Houses or double studio flats J21 or J22 Price 6 large double flats in S or T Flat PH4 in Plommer House Families There are five Family Flats which are suitable for a couple plus two children. Only one partner needs to be a current Wolfson student. The price in 2012-13 is 257.60 per week. See section 6 of this Guide for further detail. 1.3 Termly licence versus period licence Students can have either a termly licence or a period licence. A termly licence is ideal for undergraduate (BA) courses and some Masters courses, and is just for the University term. This means the student has to vacate their room, and the room will be used by other guests out of term. A termly licence gives residence for Full Term only plus the preceding weekend and the Friday night at the end of term, as follows: Dates of Full Term 2012-2013: Dates for Termly licences: 2 October to 30 November 2012 (Michaelmas) Arrive 29 September and leave 1 December 2012 15 January to 15 March 2013 (Lent) Return 12 January and leave 16 March 2013 23 April to 14 June 2013 (Easter) Return 20 April and leave 15June 2013 Termly licences are not available in the five houses covered in section 2 of this Guide or in the large flats in S & T or in the Family Flats. Only period licences are available in these cases. A period licence runs for 12 months from 29 September, with one month s notice required. Period licences are not available in V for new residents. See Appendix B for examples of termly and period licences.

5 Accommodation is available from 29 September 2012. Accommodation is available before 29 September for those students who have a pre sessional/orientation course or if their academic course requires them to arrive earlier. 1.4 Insurance The College recognises that many students fail to take out adequate insurance for their personal possessions. The College has, therefore, taken out an insurance policy on behalf of, and for the benefit of, those Wolfson students who rent a room in College. Details of the policy are given in Appendix C. You should look at this carefully, and decide if the level of insurance cover is suitable for your needs. You have the option to increase the level of cover on, for example, your laptop computer or bicycle. 1.5 Definitions First floor Please bear in mind that in the UK the ground floor of a building is known as the ground floor, and the next floor up is the first floor. So a two storey building will have a ground floor and a first floor. No building in Wolfson has more than three storeys, i.e. ground floor, first floor and second floor. Bathroom A bathroom is a room with a bath or shower in it. There will not necessarily be a toilet in such a room. Ensuite An ensuite room is a bedroom which has its own toilet and shower. Studio Flat and Flat A studio flat has a bedroom, a kitchen and a bathroom. Double flats also have a separate study/living room. 1.6 Security Keys, Doors & Windows You will be issued with a key to your room. You should lock your door at all times even when nearby in a kitchen or bathroom. Cambridge is a city and opportunist thieves operate as in any city; and laptop computers and mobile devices are particularly susceptible to theft. Your key also locks your nearest communal kitchen (where applicable) and you are strongly encouraged to lock your kitchen after use, because unfortunately theft of food can take place in student communities. In many of the accommodation buildings your key also operates the lock on the ground floor entrance to the building. Where this is the case it is very important that you do not disable the lock or prop the door open by doing so you would be compromising the security of the building as a whole. By keeping ground floor entrances locked (where applicable), you are greatly reducing the chances of theft, and you are also enhancing your own personal security. Rooms on ground floors are particularly vulnerable if windows are left open when the room is empty. Residents in ground floor rooms should always close their windows when leaving their rooms. Indeed, all residents are advised to close their windows when leaving their rooms in case of high winds.

6 Termly tenancies If you have a termly tenancy, you must remove all your possessions from your room and kitchen at the end of the term, because your room will be occupied by someone else during the vacation. Gates and CCTV CCTV cameras are used throughout the College site for your security, and CCTV footage is monitored regularly by the Porters, who have the overall responsibility for security in the College. The gates at the Selwyn Gardens entrance are locked at night and at weekends, and entry is by the College card. 1.7 Fire Safety With a large population living in close proximity on a small site, there is always a real risk of fire. All residents must play their part in minimising this risk. Here are some examples of what you can do to help: never leave cooking unattended in a kitchen do not use cooking equipment in your room do not leave heated hair devices (straighteners, curlers, tongs) unattended do not use unsafe or untested electrical equipment, and do not overload electrical sockets do not store combustible materials, including piles of paper do not use naked flames (eg candles) do not smoke in any room, and do not disable smoke or heat detectors do not leave items in corridors or stairways keep all fire doors closed at all times, especially kitchen doors (never wedge them open) do not tamper with fire safety equipment (extinguishers, fire blankets) report anything that looks unsafe or hazardous to the Porters

7 2. The Houses There are five former domestic houses in Wolfson which have been adapted for student accommodation: Williams House and Chadwick House on the Barton Road side; Barton House and Norton House on the Barton Close side; Plommer House on the Selwyn Gardens side Termly licences are not available in these houses only period licences. These houses are shown on this plan:

8 2.1 Williams House This house is named after the late Professor Sir David Williams, President of Wolfson College 1980-1992. It has six bedrooms, two on the ground floor and four on the first floor, as follows: Ground floor Room WH1 Price 5 (double accommodation for a couple) Room WH2 Price 3 First floor Room WH3 Price 3 Room WH4 Price 1 Room WH5 Price 3 Room WH6 Price 1 (this room is particularly small) On the ground floor there is a kitchen and a shower room with toilet; and on the first floor there is a toilet and a bathroom. All rooms have their own wash-basin. 2.2 Chadwick House This house is named after the Reverend Professor Owen Chadwick, the Chair of the Trustees of University College, as Wolfson College was known from its foundation in 1965 until being re-named Wolfson College in 1973. It has six bedrooms, two on the ground floor and four on the first floor, as follows: Ground floor Room CH1 Price 5 (double accommodation for a couple) Room CH2 Price 3 First floor Room CH3 Price 3 Room CH4 Price 3 Room CH5 Price 3 Room CH6 Price 1 (this room has no wash-basin, and is particularly small) On the ground floor there is a kitchen, a toilet, and a bathroom with bath, shower and toilet; and on the first floor there is a toilet and a bathroom. All rooms have their own wash-basin, except CH6.

9 2.3 Barton House This house became available for student accommodation for the first time in 2011. It is named after the village of Barton, which lies to the west of the College and which gives its name to Barton Road and Barton Close, which act as the south and east boundaries of the College s site. It can be entered either from the College site or from Barton Close. It has six bedrooms, two on the ground floor and four on the first floor as follows: Ground floor Room BH1 Price 4 Room BH2 Price 3 First floor Room BH3 Price 4 Room BH4 Price 3 Room BH5 Price 2 Room BH6 Price 3 On the ground floor there is a kitchen, a dining room, a toilet and a shower room with toilet; and on the first floor there is a toilet, a bathroom with bath and shower, and a bathroom with bath and toilet. All rooms have their own wash-basin. On the first floor there is also a small room, which is for general use as a study. Students are not permitted to park cars in Barton Close. 2.4 Norton House This house is named after Frederick Norton, one of the first Fellows of the College. It can be entered either from the College site or from Barton Close. It has eight bedrooms, four on the ground floor and four on the first floor, as follows: Ground floor Room NH1 Price 5 (double accommodation for a couple) Room NH2 Price 1 Room NH3 Price 3 Room NH4 Price 3 First floor Room NH5 Price 5 (double accommodation for a couple) Room NH6 Price 1 Room NH7 Price 3 (with own ensuite facilities) Room NH8 Price 1 On the ground floor there is a kitchen, a shower, and a toilet; and on the first floor there is a toilet, a bathroom, and a shower room with toilet. All rooms have their own wash-basin. Students are not permitted to park cars in Barton Close.

10 2.5 Plommer House This house is named after Dr Hugh Plommer, a founding Fellow of the College. The ground floor is used for offices and meeting rooms. There are seven rooms for accommodation on the first and second floors, as follows: First floor Room PH1 Price 3 Room PH2 Price 3 Room PH3 Price 3 Room PH4 Price 2 times 2 (flat for a couple) Second floor Room PH5 Price 3 Room PH6 Price 5 (double accommodation for a couple) Room PH7 Price 3 On the first floor there is a kitchen and a bathroom with toilet; and on the second floor there is another kitchen and a bathroom with toilet. All rooms have their own wash-basin. PH4 is a flat for a couple, with a large bed-sitting room, a kitchen and a bathroom.

11 3. East Court & Toda House On the eastern side of the College there are two purpose-built accommodation blocks, as shown on this plan:

12 3.1 East Court (M, N, O, P staircases) This building is designed along the typical Cambridge model of staircases. Each letter is a separate staircase, which does not inter-connect with its neighbouring staircase. Each staircase in this building has two entrances, one into East Court and one into Lee Court. Half the rooms have a view of East Court and half have a view of Lee Court. M staircase There are 11 small ensuite rooms, as follows: Ground floor First floor M1 to M4 Price 2 M5 to M7 Price 2 Second floor M8 to M11 Price 2 There is a kitchen on the first floor. Although all the rooms are ensuite, there is also a shower room with toilet on the ground floor and a bathroom with toilet on the second floor. N staircase There is a mixture of small shared sets and single studio flats, as follows: Ground floor First floor N1F & N1B Price 2 (shared set) N4F & N4B Price 2 (shared set) N2 & N3 Price 4 (single studio flats) N5 & N6 Price 4 (single studio flats) Second floor N7F & N7B Price 2 (shared set) N8 & N9 Price 4 (single studio flats) Although each shared set or flat has its own bathroom facilities, there is also a bathroom (without toilet) on each of the first and second floors.

13 O staircase There are 15 study bedrooms and two small ensuite rooms, as follows: Ground floor First floor O1 to O6 Price 1 O7 to O11 Price 1 Second floor O12 Price 2 (small ensuite) O13 to O16 Price 1 O17 Price 2 (small ensuite) NB Rooms O1, O6 and O11 have their own showers. On the ground floor there is a shower room with toilet. On the first floor there is a kitchen, a shower room (with no toilet), and a toilet. On the second floor there is bathroom with toilet, and a toilet. P staircase There are 11 small ensuite rooms as follows: Ground floor First floor P1 to P3 Price 2 P4 to P7 Price 2 Second floor P8 to P11 Price 2 There is a kitchen on the ground floor. Although all the rooms are ensuite, there is also a shower room with toilet on the ground floor and a bathroom with toilet on the second floor. 3.2 Toda House Toda House was built in 1993 with funding from the Toda Corporation of Japan. There are 10 standard size ensuite rooms as follows: Ground floor TH1 to TH4 Price 3 First floor TH5 to TH10 Price 3 There is a kitchen on the ground floor.

14 4. West Court There are accommodation blocks on three sides of West Court, as shown on this plan: 4.1 A block A&B block is a two-storey building at the front of the College, with A on the ground floor and B on the first floor. The B floor contains flats for use by Visiting Fellows, while the A floor contains student accommodation. There are 9 study bedrooms, A1 to A9, all Price 1. There is a kitchen, and three shower rooms with toilets.

15 4.2 C, D, E, F, G staircases This building is designed along the typical Cambridge model of staircases. Each letter is a separate staircase, which does not inter-connect with its neighbouring staircase. Each staircase in this building has two entrances, one facing West Court and one facing the Western Field. Half the rooms face West Court and half face the Western Field. The layout for each staircase is identical, as follows: Ground floor First floor Rooms 1 & 2 Price 1 (facing West Court) Room 5 Price 1 (facing West Court) Rooms 3 & 4 Price 1 (facing the Western Field) Rooms 6 & 7 Price 1 (facing the Western Field) Shared Shower room with toilet Shared Kitchen for the staircase; Shower room with toilet Second floor Room 8 Price 1 (facing the Western Field) Room 9 Price 1 (facing West Court) Room 10 Price 2 (small ensuite; facing West Court) Room 11 Price 2 (small ensuite; facing the Western Field) Shared Bathroom with toilet 4.3 H, J, K, L staircases H staircase This building is designed along the typical Cambridge model of staircases. Each letter is a separate staircase, which does not inter-connect with its neighbouring staircase. Each staircase in this building has two entrances, one facing inwards (West Court / Western Field), one facing outwards to the back of the College; and therefore half the rooms face inwards and half outwards. The layout for K and L staircases is the same, and H and J staircases are each different, as follows: NB: H staircase is being converted from shared sets to single ensuites in the summer of 2012. Ground floor First floor Rooms 1 & 2 Price 3 (facing Western Field) Rooms 4 & 7 Price 3 (facing back) Room 3 Price 3 (facing back) Rooms 5 & 6 Price 3 (facing Western Field) Shared Kitchen for the staircase Shared Bathroom (no toilet) Second floor Rooms 8 & 11 Price 3 (facing back) Rooms 9 & 10 Price 3 (facing Western Field)

16 J staircase Ground floor First floor J1 Price 1 (facing the Western Field) J7 Price 1 (facing the Western Field) J2 to J5 Price 1 (facing back) J8 to J12 Price 1 (facing back) J6 Price 1 (facing West Court) J13 Price 1 (facing West Court) Shared Bathroom with toilet; shower room with toilet Shared Kitchen for the staircase; two shower rooms with toilets; two separate toilets Second floor J14 Price 1 (facing the Western Field) J15 to J19 Price 1 (facing back) J20 Price 1 (facing West Court) J21 Price 5 (double studio flat; facing the Western Field) J22 Price 5 (double studio flat; facing West Court) K & L staircases NB: Rooms 7 11 are being renumbered from 2012-13. Ground floor Rooms 1 & 3 Rooms 2 & 4 Price 3 (facing back) Price 3 (facing West Court) Second floor Rooms 8 & 11 Price 3 (facing back) Rooms 9 & 10 Price 3 (facing West Court) First floor Room 5 Rooms 6 & 7 Shared Price 3 (facing back) Price 3 (facing West Court) Kitchen for the staircase; bathroom (no toilet)

17 5. The Western Field Unlike the older blocks C to P, which follow the traditional Cambridge staircase model, the newer blocks R to V have horizontal corridors as well as vertical stairways, making it possible to walk between any two rooms in R, S, T or V without having to go outside.

18 5.1 R block The even-numbered rooms face inwards into the Western Field, and the odd-numbered rooms face outwards to the back of the College. There is a lift in R block. Ground floor First floor R100A & B Price 3 (shared set) R200A & B Price 3 (shared set) R101A & B Price 3 (shared set) R201A & B Price 3 (shared set) R102A & B Price 3 (shared set) R202A & B Price 3 (shared set) R103 to R114 Price 3 (ensuites) R203 to R216 Price 3 (ensuites) Shared Kitchen Shared Kitchen Second floor R300A & B R301A & B R302A & B R303 to R316 Shared Price 3 (shared set) Price 3 (shared set) Price 3 (shared set) Price 3 (ensuites) Kitchen 5.2 S block The even-numbered rooms/sets face inwards into the Western Field; and the flats and the odd-numbered rooms/sets face outwards to the western boundary of the College. Termly licences are not available in the six double flats SF1-SF6 only period licences. Ground floor First floor SF1 & SF2 Price 6 (double flats) SF3 & SF4 Price 6 (double flats) S100A & B Price 3 (shared set) S200 to S219 Price 3 (ensuites) S101 Price 3 (ensuite) Shared Kitchen; bathroom with toilet S102A & B Price 3 (shared set) S103 Price 3 (ensuite) Second floor S104A & B Price 3 (shared set) SF5 & SF6 Price 6 (double flats) S105A & B Price 3 (shared set) S300A to S307B Price 3 (shared sets) S106A & B Price 3 (shared set) S308 to S311 Price 3 (ensuites) S107A & B Price 3 (shared set) Shared Kitchen; bathroom with toilet S108 Price 3 (ensuite) S109A & B Price 3 (shared set) S110 to S113 Price 3 (ensuites; there is no S112) Shared Kitchen; bathroom with toilet

19 5.3 T block Unlike S block and V block, which run north to south, T block runs east to west. The majority of the rooms either face north into the Western Field or face south towards the Chancellor s Centre and Fuchs House; while some rooms are at the back of the building towards the western boundary of the College. An impressive octagon divides the inner rooms from those towards the western boundary. Rooms T101, T201 and T301 and all the flats are at the back of the building. All other rooms are on the inner side of the building, where even-numbered rooms face north and odd-numbered rooms face south. Termly licences are not available in the six double flats TF1-TF6 only period licences. Ground floor First floor TF1 & TF2 Price 6 (double flats) TF3 & TF4 Price 6 (double flats) T101 to T115 Price 3 (there is no T102 or T103) T201 to T215 Price 3 Shared Kitchen; bathroom with toilet Shared Kitchen; bathroom with toilet Second floor TF5 & TF6 Price 6 (double flats) T301 to T315 Price 3 Shared Kitchen; bathroom with toilet 5.4 V block Ground floor V101 to V108 Price 3 Shared These rooms use the kitchen on the first floor First floor V201 to V210 Price 3 (there is no V203) Shared Kitchen (shared with the ground floor) Second floor V301 to V310 Price 3 (there is no V303) Shared Kitchen Period licences are not available in V block for new residents only termly licences.

20 6. Family Flats There are five family flats in the south-west corner of the College, as shown here: Each flat comprises a large bedroom and a small bedroom, a living/dining room, a study, a kitchen and a bathroom. In the small bedroom you can have either a single bed or two bunk beds. There is a laundry room with washing machine and dryer; and a garden with a children s swing. Flats 1 and 2 are on the ground floor, and flats 3 and 4 are on the first floor. Flat 5 is mainly on the first floor, with an entrance hall and study on the ground floor. The rent for a family flat in 2012-13 is 257.60 per week. Termly licences are not available in the Family Flats only period licences.

21 7. The Rules Furniture & Furnishings You may not bring your own furniture into your room. Furniture provided by the College cannot be removed from your room. All rooms have curtains and are fully carpeted. Beds have mattresses, two pillows (allergy-free filling), duvet and bedspread. You may hire College bed linen (duvet cover and pillow-cases) and have the College launder it ( 4.70 per week and linen is changed fortnightly) or bring your own bed linen. There are selfservice laundries with washing machines and tumble dryers. Crockery, cutlery, cooking utensils and towels are not provided by the College. Heating Central heating is provided in all College living areas from October (sometimes September) through to April (sometimes May). Electrical items There are sockets for electrical equipment such as radios, CD players etc., which should normally be used with headphones unless you intend to play them at a low volume. Certain models of table top fridges are allowed, but other electrical appliances, such as electric fires, non-approved fridges, cookers, rice cookers, toasters, kettles, hobs and microwave ovens, etc., are not allowed for safety reasons and will be removed from your room by College Staff. The use of multiple sockets is only allowed for computers and computerrelated items (such as a printer). All portable electrical appliances should have a current Portable Appliance Test (PAT) certificate which the student is required to provide. If in doubt about electrical loading, please check with the Clerk of Works first. The College reserves the right to remove any electrical equipment from a resident s room if it is deemed to be unsafe. This is often necessary when a resident tries to use electrical equipment from outside the UK which does not conform to UK safety standards, for example if it is not correctly wired, fused or earthed. Cleaning College cleaners clean the rooms during the week (Monday to Friday). Residents are responsible for the tidiness of their own rooms, washing up their dishes, making their beds, and helping to keep any communal area clean and tidy. Keys You will receive one room key on arrival. There is a charge for providing a duplicate key if the original is lost. Giving notice of vacating a room Residents must give a minimum of one month s notice if they wish to vacate a room. Anyone vacating a room without due notice (one month) will be charged. Changing rooms Normally a change of room is not permitted. But if you have a special reason for wanting to move, you should speak to your Tutor. Damage Any damage to rooms will have to be paid for by the occupant(s). If damage to rooms or staircases is not traceable to individuals, costs may be charged equally among all residents on that staircase.

22 Cooking Please note that cooking is only allowed in the designated kitchen for your room. Cooking in your room is not allowed. Smoking Please note that smoking is not permitted in any rooms in the College at all. Candles etc Please note that you are not permitted to use any lighted candles, joss sticks or other naked flames of any kind in the accommodation. Guests You are allowed occasional overnight guests. No guest can stay for more than three nights in any seven and you cannot have guests for more than ten nights in any month. Bicycles You cannot keep a bicycle in your room. If you have a particularly valuable bicycle which you would like to store securely, please ask the Porters.

23 8. Accreditation Network UK Under the terms of the Housing Act 2004, Wolfson College is required to be licensed either with an approved Code of Standards (typically UUK or ANUK/Unipol) or with the local authority. Wolfson is licensed with ANUK (Accreditation Network UK). ANUK has overall responsibility for administering the Code of Practice. This includes: maintaining a list of all institutions signed up to the Code, and all buildings within those institutions covered by the Code; liaising with other bodies over areas where the Code is only applicable in parts; and periodically reviewing the Code. This review will be undertaken by a standing committee representing relevant stakeholder groups, including University management, students and specialist professions (e.g. facilities managers, maintenance etc). In this task, they will take note of significant complaints made by students concerning non-observance, other breaches noted by internal or external audits, and reports from bodies such as the Office of the Independent Adjudicator. If necessary, the committee may undertake further investigation, and then issue remedial proposals. In extreme cases, the committee may decide that a higher educational institution is no longer compliant with the Code, at which stage responsibility may pass to an alternate body, such as the Local Authority, to impose changes. In registering with the ANUK Code of Practice, the College undertakes that: all the accommodation registered with ANUK meets the standards and accords with the procedures set out in the Code; an appropriate complaints procedure is in place, integrated into normal College practices with a procedure for reporting back to ANUK on any significant complaints relating to the Code; auditors will consider the College s management of its student accommodation in relation to the Code, advising HEFCE and ANUK as appropriate. For further details on ANUK, visit: www.anuk.org.uk

24 Appendix A: the College site

25 Appendix B: Room Licences B1 Termly Licence ACCOMMODATION LICENCE (Termly Licence) 1. Particulars 1.1 Date of this Licence : 1.2 The Owner : The President and Fellows of Wolfson College in the University of Cambridge 1.3 The Licensee : 1.4 The Owner permits the Licensee to occupy the Property set out in 1.5, or such other Property as the College may from time to time allocate for the Licensee's occupation. 1.5 The Property : Room number: Building: Wolfson College, Cambridge 1.6 Licence Periods : MICHAELMAS TERM 2012: Start date: End date: 29 September 2012 (from 2pm) 1 December 2012 (until 10am) LENT TERM 2013: Start date: End date: 12 January 2013 (from 2pm) 16 March 2013 (until 10am) EASTER TERM 2013: Start date: End date: 20 April 2013 (from 2pm) 15 June 2013 (until 10am) 1.7 Accommodation Charge: X (per week) The Accommodation Charge is payable three monthly in advance, and within fourteen days of the presentation of an account by the Owner unless otherwise agreed in writing. If payment is not made within such period, interest at the rate of 8% above bank base rate may be charged by the Owner at the Owner's discretion.

26 1.8 Notice Period : If the Licensee wishes to terminate this Licence, the Licensee must give a minimum of one month's notice. The Licensee will be charged in full during such notice period. 1.9 Contents : All items now at the Property which remain the property of the Owner. 2. Definitions and Interpretation 2.1 A reference to the Property includes reference to any part or parts of the Property, including the communal facilities in the Building in which the Property is located, and to the Contents of the Property. 2.2 Where two or more persons comprise the Licensee, agreements on their part shall be joint and several. 3. The Agreement 3.1 The Licensee may only occupy the Property while he or she is a student who is pursuing a course of study provided by the Owner or by the University of Cambridge, and for the Licence Periods only or for such other periods as may be agreed by the Owner. This Agreement shall immediately terminate if the Licensee shall cease to pursue such course of study or if he or she shall cease to pay the Owner's fees for such a course of study or if he or she shall be rusticated or sent down by the Owner. 3.2 The Licensee is entitled throughout this Licence to use all communal facilities within the Building including the most convenient bathroom and kitchen but excluding any room not designated for communal use provided that all of the restrictions and requirements in this Licence apply equally to the communal facilities. 4. The Licensee's Obligations The Licensee agrees with the Owner as follows: 4.1 To pay the Accommodation Charge payable as set out in clause 1.7 above. 4.2 Not to use the Property in such a way as to cause damage to it or to the Contents or to cause annoyance or danger to other Licensees or neighbours and without prejudice to the generality of the foregoing not to overload or misuse any services supplying the Property. 4.3 Not to smoke in the Property. Not to use any naked flame in the Property. Not to cook in the Property or in any part of the Building other than that provided specifically for the purpose of cooking. Not to use any cooking equipment other than that provided in the Building. Not to bring into the Property an electric heater or any other heating device. 4.4 Not to damage or remove any of the Contents in or from the Property and not to bring into the Property any additional furniture or fittings without the prior written approval of the Owner. Not to keep a bicycle in the Property. 4.5 Not to carry out any decoration, maintenance or alterations to the Property, without the prior written approval of the Owner.

27 4.6 Not to carry on any trade or business in the Property and to use the Property only for residential purposes. 4.7 To observe all statutory or other obligations relating to his or her occupation of the Property and in particular to pay local and other taxes where failure to pay such taxes would result in the Owner being liable to pay such taxes, if appropriate, and to obtain an appropriate licence for viewing any television channels in the Property. 4.8 To observe the Rules issued by the Owner from time to time (the Rules) [but for the avoidance of doubt where there is inconsistency between the Rules and this Agreement, this Agreement prevails] which shall be deemed to be incorporated herein. The Rules are set out in A Guide to Accommodation for Students in Wolfson College. 4.9 Not to keep any pets in the Property other than a guide dog for which the prior written approval of the Owner has been given. 4.10 To deliver up the Property at the end of each Licence Period clean, tidy and in accordance with the foregoing stipulations, reimbursing the Owner for the cost of making good any damage where necessary and for the replacement of any of the Owner's fixtures and fittings furniture or effects or Contents broken, lost, damaged or destroyed during these Licence Periods or the Licensee's occupancy whichever is the longer. 4.11 To allow unrestricted access to the Building for the Owner's representatives, any staff of the Owner, Licensees of other parts of the Building or others so entitled and to permit the Owner or its agents to enter the Property at all reasonable times for the purposes of inspecting the Property or carrying out works to the Property or allowing prospective Licensees or tenants to view the Property. 5 The Owner's Obligations 5.1 The Owner agrees with the Licensee to insure the Property and the Contents against loss or damage by fire and all the other risks usually covered by a normal comprehensive policy. For the avoidance of doubt the Licensee should be aware that such insurance does not cover his or her own possessions. 6. Alienation 6.1 The Licensee agrees with the Owner not to assign, underlet, share or part with possession of the Property or the Contents or any part or parts thereof save that non-paying guests are permitted to share occupation of the Property for not more than three nights in any consecutive seven up to a maximum of ten nights in a calendar month. 7. Forfeiture 7.1 If the Licensee is in breach of any terms or conditions of this Licence the Owner may terminate this Licence and remove the Licensee from the Property. SIGNED on behalf of the Owner SIGNED by the Licensee

28 B2 Period Licence ACCOMMODATION LICENCE (Period Licence) 1. Particulars 1.1 Date of this Licence : 1.2 The Owner : The President and Fellows of Wolfson College in the University of Cambridge 1.3 The Licensee : 1.4 The Owner permits the Licensee to occupy the Property set out in 1.5, or such other Property as the College may from time to time allocate for the Licensee's occupation. 1.5 The Property : Room number: Building: Wolfson College, Cambridge 1.6 Licence Period : Start date: (from 2pm) End date: (until 10am) 1.7 Accommodation Charge: X (per week) The Accommodation Charge is payable three monthly in advance, and within fourteen days of the presentation of an account by the Owner unless otherwise agreed in writing. If payment is not made within such period, interest at the rate of 8% above bank base rate may be charged by the Owner at the Owner's discretion. 1.8 Notice Period : If the Licensee wishes to terminate this Licence, the Licensee must give a minimum of one month's notice. The Licensee will be charged in full during such notice period. 1.9 Contents : All items now at the Property which remain the property of the Owner. 2. Definitions and Interpretation 2.1 A reference to the Property includes reference to any part or parts of the Property, including the communal facilities in the Building in which the Property is located, and to the Contents of the Property. 2.2 Where two or more persons comprise the Licensee, agreements on their part shall be joint and several.

29 3. The Agreement 3.1 The Licensee may only occupy the Property while he or she is a student who is pursuing a course of study provided by the Owner or by the University of Cambridge, and for the Licence Period only or for such other period as may be agreed by the Owner. This Agreement shall immediately terminate if the Licensee shall cease to pursue such course of study or if he or she shall cease to pay the Owner's fees for such a course of study or if he or she shall be rusticated or sent down by the Owner. 3.2 The Licensee is entitled throughout this Licence to use all communal facilities within the Building including the most convenient bathroom and kitchen but excluding any room not designated for communal use provided that all of the restrictions and requirements in this Licence apply equally to the communal facilities. 4. The Licensee's Obligations The Licensee agrees with the Owner as follows: 4.1 To pay the Accommodation Charge payable as set out in clause 1.7 above. 4.2 Not to use the Property in such a way as to cause damage to it or to the Contents or to cause annoyance or danger to other Licensees or neighbours and without prejudice to the generality of the foregoing not to overload or misuse any services supplying the Property. 4.3 Not to smoke in the Property. Not to use any naked flame in the Property. Not to cook in the Property or in any part of the Building other than that provided specifically for the purpose of cooking. Not to use any cooking equipment other than that provided in the Building. Not to bring into the Property an electric heater or any other heating device. 4.4 Not to damage or remove any of the Contents in or from the Property and not to bring into the Property any additional furniture or fittings without the prior written approval of the Owner. Not to keep a bicycle in the Property. 4.5 Not to carry out any decoration, maintenance or alterations to the Property, without the prior written approval of the Owner. 4.6 Not to carry on any trade or business in the Property and to use the Property only for residential purposes. 4.7 To observe all statutory or other obligations relating to his or her occupation of the Property and in particular to pay local and other taxes where failure to pay such taxes would result in the Owner being liable to pay such taxes, if appropriate, and to obtain an appropriate licence for viewing any television channels in the Property. 4.8 To observe the Rules issued by the Owner from time to time (the Rules) [but for the avoidance of doubt where there is inconsistency between the Rules and this Agreement, this Agreement prevails] which shall be deemed to be incorporated herein. The Rules are set out in A Guide to Accommodation for Students in Wolfson College. 4.9 Not to keep any pets in the Property other than a guide dog for which the prior written approval of the Owner has been given.

30 4.10 To deliver up the Property at the end of the Licence Period clean, tidy and in accordance with the foregoing stipulations, reimbursing the Owner for the cost of making good any damage where necessary and for the replacement of any of the Owner's fixtures and fittings furniture or effects or Contents broken, lost, damaged or destroyed during this Licence Period or the Licensee's occupancy whichever is the longer. 4.11 To allow unrestricted access to the Building for the Owner's representatives, any staff of the Owner, Licensees of other parts of the Building or others so entitled and to permit the Owner or its agents to enter the Property at all reasonable times for the purposes of inspecting the Property or carrying out works to the Property or allowing prospective Licensees or tenants to view the Property. 5 The Owner's Obligations 5.1 The Owner agrees with the Licensee to insure the Property and the Contents against loss or damage by fire and all the other risks usually covered by a normal comprehensive policy. For the avoidance of doubt the Licensee should be aware that such insurance does not cover his or her own possessions. 6. Alienation 6.1 The Licensee agrees with the Owner not to assign, underlet, share or part with possession of the Property or the Contents or any part or parts thereof save that non-paying guests are permitted to share occupation of the Property for not more than three nights in any consecutive seven up to a maximum of ten nights in a calendar month. 7. Forfeiture 7.1 If the Licensee is in breach of any terms or conditions of this Licence the Owner may terminate this Licence and remove the Licensee from the Property. SIGNED on behalf of the Owner SIGNED by the Licensee

31 Appendix C: Insurance C1 C2 C3 Note: Student Insurance Flyer Student Contents Policy Summary Student Contents Insurance Policy The terms and conditions shown are for the policy year 2011-12 and may change for 2012-13. This document will be updated accordingly if any such changes are made by the insurance company. (This note is dated 27 April 2012)

Other covers available FEATURES & BENEFITS Personal Possessions Cover Covers your valuables, personal effects and clothing against accidental damage or loss while in or away from the home. Freezer Food Loss or damage caused by a rise or fall in temperature. Money & Credit Cards Loss of money or loss resulting from a credit card being lost or stolen and then used fraudulently. Pedal Cycles Loss or damage to any pedal cycle belonging to your family. Full Accidental Damage Over and above our standard cover, this provides extra protection: e.g. knocking over a vase. SIGNIFICANT EXCLUSIONS OR LIMITATIONS Property more specifically insured Musical instruments must be specified See Standard Cover above. Policy Excess as shown on schedule. Claims over the policy limit in the schedule. Loss or damage resulting from the deliberate act of any power supply authority or their withholding or restricting of power. Policy Excess as shown on schedule. Claims over the policy limit in the schedule. Policy Excess as shown on schedule. Limit as per policy schedule with option to increase Theft of unattended cycles unless in a building or securely locked to immovable object. Policy Excess as shown on schedule. See Standard Cover above. Also, excludes damage to clothing & food and damage caused by pets. Policy Excess as shown on schedule. POLICY SECTION Personal Belongings - Cover B&C Contents Cover D Personal Money & Credit Card Cover E Pedal Cycles Cover F Contents Cover A General Conditions & Exclusions The following apply to the policy as a whole regardless of the specific cover you have selected. For full details of these and other exclusions and limits please read the policy document. General Conditions & Exclusions No cover is provided for wear and tear, maintenance or anything that happens gradually. If you leave your home unoccupied for more than 45 consecutive days, let it to anyone or use your home, contents or personal belongings for trade, professional or business purposes, some covers will be restricted and some will not apply. Excesses & Limits Policy Section Your policy may be subject to an excess, which is the amount you must pay in the event of a claim. Also, certain claims limits may apply. These will both be shown in your policy schedule. Policy Section All Sections Policy Section All Sections Important Information Your right to cancel the policy If having examined your policy documentation you decide not to proceed with the insurance, you may cancel it within the first 30 days under the terms of your policy. You also have a statutory right to cancel the policy within 14 days starting on the day you receive the policy documentation. To cancel please write to the address or call the number shown on your policy schedule. On receipt of your notice, we will refund any premiums already paid, except when you have already made a claim under your policy. Claims Claims will be handled at the address shown on your Schedule. Should you wish to claim under your policy you should call N W BROWN INSURANCE BROKERS LIMITED on 01223 720352 and ask for the household claims department. You must give us any information or help that we ask for. You must not settle, reject, negotiate or agree to pay any claim without our written permission. Full details of how to claim are included in the policy. v.1.1 09/10 Page 2 of 3 Statutory Status Disclosure Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised and regulated by the Financial Services Authority.

Our complaints procedure We aim to provide you with a first class service. If we have not delivered the service that you expect or you are concerned with the service provided, we would like the opportunity to put things right. Our complaints process Initially please raise your concerns with your usual business contact. If your complaint is not resolved or you are not happy with our response and the course of action proposed, you can progress your complaint to our Customer Relations Office. A separate investigation will then be carried out in an attempt to resolve your complaint and a final decision issued. However, if resolution is not possible they will issue a response within 8 weeks of your original complaint. Customer Relations Contact Details: Customer Relations Office, Dean Clough Industrial Park, Bowling Mill, Halifax HX3 5WA 01422 325060 01422 325146 customerrelationsoffice@uk.royalsun.com What to do if you are still not satisfied If you are still not satisfied Royal & Sun Alliance is regulated by the Financial Services Authority whose arbitration service is the Financial Ombudsman Service, and you may be able to refer your complaint to them. Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR 0845 0801800 enquiries@financial-ombudsman.org.uk www.financial-ombudsman.org.uk Your rights Your rights as a customer to take legal action remain unaffected by the existence or use of any complaint procedures referred to above. However, the Financial Ombudsman Service will not adjudicate on any cases where litigation has commenced. Compensation Royal and Sun Alliance Insurance plc. is a member of the Financial Services Compensation Scheme (FSCS). This scheme provides compensation in case any of its members go out of business or into liquidation and are unable to meet any valid claim under its policies. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. The first 2,000 of a claim is protected in full. Above this threshold, 90% of the remainder of the claim will be met. For compulsory classes of insurance, 100% of the claim will be met without any upper limit. Further information about compensation scheme arrangements is available from the FSCS. Financial Services Authority as an insurance company and, with effect from 14th January 2005, to undertake insurance mediation under Registration No. 202323. You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234. For your protection, telephone calls may be recorded and may be monitored. v.1.1 09/10 Page 3 of 3 Statutory Status Disclosure Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised and regulated by the Financial Services Authority.

STUDENT CONTENTS INSURANCE Arranged by N W Brown Insurance Brokers Ltd Authorised and regulated by the Financial Services Authority Registered Office:Richmond House, 16-20 Regent Street, Cambridge, CB2 1DB Registered in England No.1149934 Underwritten by Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised and regulated by the Financial Services Authority Sept 10

PLEASE READ THIS POLICY WORDING (AND YOUR SCHEDULE WHICH FORMS AN INTEGRAL PART OF THE POLICY) TO ENSURE THAT IT MEETS YOUR REQUIREMENTS Royal & Sun Alliance Insurance plc (herein called the Company) and the Insured agree that This Policy the Schedule (including any Schedule issued in substitution) and any Memoranda shall be considered one document and any word or expression to which a specific meaning has been attached shall bear such meaning wherever it appears The Proposal or any information supplied by the Insured shall be incorporated in the contract The Company will provide the insurance described in this Policy subject to the terms and conditions for the Period of Insurance shown in the Schedule and any subsequent period for which the Insured shall pay and the Company shall agree to accept the premium. CONTENTS DEFINITIONS PAGE 2 GUIDANCE WHEN MAKING A CLAIM PAGE 3 GENERAL CONDITIONS PAGE 3 CLAIMS CONDITIONS PAGE 5 COVER A CONTENTS PAGE 7 COVER B&C PERSONAL POSSESSIONS PAGE 10 COVER D - FREEZER CONTENTS PAGE 11 COVER E PERSONAL MONEY & CREDIT CARDS PAGE 11 COVER F PEDAL CYCLES PAGE 11 COMPLAINTS PROCEDURE PAGE 12 Definitions The words or expressions listed below have the following meaning wherever they appear in this Insurance the Schedule or any Endorsement relevant to this Insurance. Policyholder/you Insured Company/we Endorsement Period of Insurance Policyholder s Contribution British Isles House Home Unfurnished Money Valuables The Person(s) named as Insured in the Schedule. You, your spouse, children, parents and other relatives who normally reside with you. Royal & Sun Alliance lnsurance plc. Any alteration made to this Insurance which has been agreed by us in writing. The period shown in the Schedule and any further period for which we accept your premium. The first part of any claim which you have to bear. England, Scotland, Wales, Northern Ireland, (the Republic of Ireland), the Isle of Man and the Channel Islands. The private dwelling at the address shown in the Schedule. The house together with its garages and outbuildings, all used for domestic purposes. Without sufficient furniture and furnishings for normal living purpose. Current legal tender, cheques, postal and money orders, trading stamps, stamps which are not part of a stamp collection, premium bonds, certificates and travellers cheques. Jewellery, watches, clocks, articles of precious metal, pictures and furs. Sept 10

Guidance When Making a Claim Conditions that apply to the policy and in the event of a claim are set out in your policy booklet. It is important that you comply with all policy conditions and you should familiarise yourself with any requirements. Directions for claim notification are included under claims conditions. Please be aware that events that may give rise to a claim under the insurance must be notified as soon as reasonably possible although there are some situations where immediate notice is required. Further guidance is contained in the policy booklet. Claims conditions require you to provide us with any reasonable assistance and evidence that we require concerning the cause and value of any claim. Ideally, as part of the initial notification, you will provide: Your name, address, and your home and mobile telephone numbers Personal details necessary to confirm your identity Policy number The date of the incident The cause of the loss or damage Details of the loss or damage together with claim value if known Police details where applicable Names and addresses of any other parties involved or responsible for the incident (including details of injuries) and addresses of any witnesses This information will enable us to make an initial evaluation on policy liability and claim value. We may, however, request additional information depending upon circumstances and value which may include the following: Original purchase receipts, invoices, instruction booklets or photographs Purchase dates and location of lost or damaged property For damaged property, confirmation from a suitably qualified expert that the item you are claiming for is beyond repair Sometimes we may wish to meet with you to discuss the circumstances of the claim, to inspect the damage, or to undertake further investigations. Preferred Suppliers We take pride in the claims service we offer to our customers. Our philosophy is, where possible, to repair or replace lost or damaged property or vehicles and we have developed a network of contractors, repairers and product suppliers dedicated to providing claim solutions. Where we can offer repair or replacement through a preferred supplier but, on request, we agree to pay our customer a cash settlement, then payment will normally not exceed the amount we would have paid our preferred supplier. General Conditions 1 This Policy shall be voidable in the event of misrepresentation misdescription or non-disclosure in any material particular 2 Observance of the terms of this Policy relating to anything to be done or complied with by the Insured is a condition precedent to any liability of the Company except in so far as is necessary to comply with the requirements of any legislation enacted in Great Britain Northern Ireland the Channel Islands or the Isle of Man relating to compulsory insurance of legal liability to employees 3 The Insured at his own expense shall A) take all reasonable precautions to prevent or diminish loss destruction or damage or any occurrence or cease any activity which may give rise to liability under this Policy and to maintain all buildings furnishings ways works machinery plant caravans and vehicles in sound condition and must comply with reasonable requirements and directions given by the Company or a veterinary surgeon acting on behalf of the Company B) as soon as possible after discovery cause any defect or danger to be made good or remedied and in the meantime shall cause such additional precautions to be taken as the circumstances may require 4 This policy shall be avoided if A) any alteration be made in the Premises or property therein the occupation of any Insured Person or any other circumstances whereby the risk is increased at any time after the commencement of this insurance unless its continuance be admitted by memorandum signed by or on behalf of the Company Sept 10

5 This Policy shall be avoided if the Insured s interest ceases and nothing herein contained shall give any right against the Company to any person other than the Insured except to a transferee approved by the Company 6 This Policy may be cancelled (A) by the Company giving 30 days notice in writing to the Insured at its last known address Thereupon the Insured shall become entitled to a proportionate return of premium (B) by the Insured giving 30 days notice in writing to the Company at the address shown in the Schedule provided an undertaking in accordance with General Condition 6 is not in force The Insured shall be entitled only to a return premium in accordance with the Company s usual short period scale provided that no claim has been made in the then current Period of Insurance 7 Law Applicable Clause Unless the parties have agreed otherwise in writing any dispute concerning the interpretation of the Policy shall be governed and construed in accordance with English law and shall be resolved within the nonexclusive jurisdiction of the courts of England and Wales. 8 Your duty to prevent loss or damage The Insured must take all reasonable steps to prevent loss, damage or accidents and maintain the insured property in a sound condition. 9 Transfer of Interest You may not transfer your interest in this Insurance without our written approval. Special Note With the exception of General Condition 8 the Conditions and Exclusions of this Insurance override the General Conditions and Claims Conditions. Keeping us informed We have issued this Insurance on the information that you have given us about yourself, your family and your property. Please, therefore, let us know immediately of changes that affect what you have told us; for example, if anything happens to change the use, the nature or the amount of the property insured. Exclusions which apply to the whole of Home Insurance Radioactive Contamination Any expense, consequential loss, legal liability or any loss or damage to property directly or indirectly caused by or contributed to by a) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel, b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof. War Risks Any consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power. Sonic Bangs Loss or damage by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speeds. Sept 10

Claims Conditions 1 If the claim be in any respect fraudulent or if any fraudulent means or devices be used by the Insured or anyone acting on his behalf to obtain any benefit under this Policy or if any loss destruction or damage be occasioned by the wilful act or with the connivance of the Insured all benefit under this Policy shall be forfeited 2 On the discovery of any circumstance or event which may give rise to a claim under this Policy the Insured shall A) notify the Company in writing forthwith B) give immediate notice to the Police Authority in respect of loss destruction or damage (other than by fire or explosion) caused by malicious persons or thieves if insured by this Policy C) carry out and permit to be taken any action which may be reasonably practicable to prevent further loss destruction or damage and to minimise or check any interruption of or interference with the Business or to avoid or diminish the loss D) as soon as possible after discovery cause any defect or danger to be made good or remedied and in the meantime shall cause such additional precautions to be taken as the circumstances may require E) within 30 days of the circumstances or event or of the expiry of the Indemnity Period or such further time as the Company may allow at his own expense deliver to the Company i) full information in writing of the claim ii) iii) details of any other insurance relating to the claim if demanded a statutory declaration of the truth of the claim and of any matter connected with it 3 If the Company elects or becomes bound to reinstate or replace any property the Insured shall at his own expense produce and give to the Company all such plans documents books and information as the Company may reasonably require the Company shall not be bound to reinstate exactly or completely but only as circumstances permit and in reasonably sufficient manner and shall not in any case be bound to expend in respect of any one of the items insured more than the sum insured thereon 4 A) On the happening of any loss destruction or damage in respect of which a claim is or may be made under this Policy the Company and every person authorised by the Company may without thereby incurring any liability and without diminishing the right of the Company to rely upon any conditions of this Policy enter take or keep possession of the building or premises where the loss destruction or damage has happened and may take possession of or require to be delivered to them any of the property hereby insured and may keep possession of and deal with such property for all reasonable purposes and in any reasonable manner This condition shall be evidence of the leave and licence of the Insured to the Company so to do the Insured or anyone acting on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in doing any of the above-mentioned acts then all benefit under this Policy shall be forfeited the Insured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not B) No admission offer promise payment or indemnity shall be made or given by or on behalf of the Insured without the written consent of the Company which shall be entitled to take over and conduct in the name of the Insured the defence or settlement of any claim or to prosecute any claim in the name of the Insured for its own benefit and shall have full discretion in the conduct of any proceedings and in the settlement of any claim The Insured shall give all such assistance as the Company may require 5 The Insured shall at the Company s request and expense do and concur in doing and permit to be done all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated upon the Company paying for or making good any loss under this Policy whether such acts and things shall be or become necessary or required before or after the Company indemnifies the Insured 6 Not applicable to Money Personal Accident and Personal Injury (Robbery) Insurance If at the time of any claim there is any other insurance covering the Insured s interest in the property lost destroyed or damaged or the same legal liability the Company s liability under this Policy shall be limited to its rateable proportion of such claim. If any such other insurance is subject to any condition of average this Policy if not already subject to any condition of average shall be subject to average in like manner If any other insurance effected by or on behalf of the Insured is expressed to cover any of the property hereby insured but is subject to any provision whereby it is excluded from ranking concurrently with this Policy either in whole or in part or from contributing rateably to the loss destruction or damage the Company s liability hereunder shall be limited to such proportion of the loss destruction or damage as the sum hereby insured bears to the value of the property

7 Not applicable to Liability Personal Accident Personal Injury (Robbery) and Legal Expenses Insurance If any difference shall arise as to the amount to be paid under this Policy (liability being otherwise admitted) such difference shall be referred to an arbitrator to be appointed by the parties in accordance with the statutory provisions in that behalf for the time being in force Where any difference is by this condition to be referred to arbitration the making of an award shall be a condition precedent to any right of action against the Company 8 Applicable only to Liability Insurance Every letter claim writ summons and process in connection with the event shall be forwarded to the Company immediately on receipt The Insured shall also give the Company written notice immediately the Insured has knowledge of any prosecution or inquest in connection with any occurrence which may give rise to liability under this Policy 9 Applicable only to Personal Accident and Personal Injury (Robbery) Insurance All certificates information and evidence required by the Company shall be furnished free of expense to and in the form prescribed by the Company The Insured Person shall as often as required submit to medical examination on behalf of and at the Company s expense in connection with any claim The Insured s or the Insured s personal representative s receipt shall discharge the Company The Insured Person or the Insured Person s personal representative shall have no right to claim from or sue the Company If the Insured comprises more than one party having an interest in the Insured Person the Benefit shall represent the total amount payable in respect of that Insured Person for all interests covered by this insurance 10 Reporting A Claim Contact N W BROWN INSURANCE BROKERS LTD on 01223 357131 and request the household claims department or alternatively write to HOUSEHOLD CLAIMS, N W BROWN INSURANCE BROKERS LTD, RICHMOND HOUSE, 16 20 REGENT STREET, CAMBRIDGE, CB2 1DB If loss, damage or liability occurs which may result in a claim under this Insurance, the action you must take depends upon the type of claim Riot - tell us immediately. Loss of credit cards - tell the issuing authority immediately and tell us as soon as possible. Accidental loss outside the home, theft, malicious damage or vandalism - tell the Police immediately and tell us as soon as possible. Legal liability for injury or damage - tell us immediately and provide full details in writing as soon as possible, send us immediately any writ, summons or other legal document served on you or your family. Any other claims - tell us as soon as possible. 2 You must provide us, at your expense, with all the details and evidence which we ask for concerning the cause and amount of any damage or injury. Rights and Responsibilities 3 We may enter any building or caravan where loss or damage has occurred and deal with the salvage but no property may be abandoned to us. 4 The Insured must not admit, reject or negotiate on any claim without our written consent. 5 We may take over and conduct in the name of the Insured, with complete and exclusive control, the defence or settlement of any claim. 6 We may also start legal action in the name of the Insured (but at our expense and for our own benefit) to recover from others, compensation in respect of anything covered by this Insurance. 7 The Insured must give us all the help and information we may need to settle or defend any claim or to start legal proceedings. Other Insurances 8 If at the time of any incident which results in a claim under this Insurance, there is any other insurance covering the same damage or liability or any part of it, we will only pay our rateable proportion of the claim. Arbitration 9 Where a claim has been accepted under this Insurance but there is disagreement over the amount to be paid, the matter will be referred to an arbitrator in accordance with the statutory provisions then current. If this happens, an award must be made by the arbitrator before legal proceedings can be commenced. Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St Mark s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised and regulated by the Financial Services Authority. UKC00035B DEC 2007

Cover A: Insurance of the Contents By Contents we mean household goods and personal effects which belong to or are the legal responsibility of the Insured, visitors personal effects up to 250 and deeds and documents up to 1000. High Risk Items are television, radio, recording and audio equipment, jewellery, gold, silver and articles of precious metal, personal computers, clocks, watches, cameras, furs, pictures, works of art and curios, stamp, coin and other collections. When in your home the Contents are insured against loss or damage by the following causes: Exclusions Motor vehicles (other than gardening machinery and pedestrian controlled vehicles), caravans, trailers, aircraft, hovercraft or boats or parts or accessories for any of them Swimming Pool covers Pets and livestock Securities of any kind Property more specifically insured. The Policyholder s Contribution shown below applies to all causes other than 20. Exclusions 1 Fire, lightning, explosion or earthquake 2 Storm or flood. 3 Water escaping from fixed water or heating installations, washing machines or dishwashers. Oil escaping from a fixed heating installation 4 Riot, civil commotion, strikes or labour disturbances 4 Loss or damage occurring in Northern Ireland 5 Malicious persons or vandals 5 Loss or damage occurring in Northern Ireland. Loss or damage caused by any of the Insured or by tenants. 6 Theft or attempted theft 6 Loss by deception unless only entry is gained by deception Loss or damage caused by any of the Insured or by tenants. Where there is no forcible and violent entry or exit, except where occupant is inside. 7 Subsidence and/or heave of the site on which your home. 7 Loss or damage resulting from movement of solid floor slabs, unless the foundations beneath the external walls of your home are damaged by the same cause and at the same time 8 Falling television or radio aerials, aerial fittings or masts. 9 Falling trees or branches. 10 Collision involving aircraft or aerial devices or anything dropped from them, vehicles or animals 11 If your house is made uninhabitable by any cause insured by paragraphs 1-10, we will pay the reasonable additional costs of comparable accommodation incurred during the period necessary to restore your house to a habitable condition. 12 Accidental breakage of mirrors, plate glass tops to furniture and fixed glass in furniture. 13 Accidental damage to televisions, audio, video and computer equipment. 13a Tenant s cover - if you are the tenant of your home, we will pay for Accidental loss/damage caused by the policyholder(s) to the landlords contents, fixtures and fittings, greenhouses and sheds, part of the structure, decorations, of your home that you are responsible for as a tenant under a tenancy agreement. 14 Accidental damage to Contents not listed in paragraphs 12 and 13 Paragraph 14 applies only to policies in which the Cover stated in the Schedule confirms Accidental Damage Loss or damage resulting from: - coastal or river erosion - demolition of or structural alteration or structural repair to your home - faulty workmanship or the use of defective materials 10 Loss or damage caused by domestic pets. 11 Any amount exceeding 20% of the Sum Insured on Contents, applicable at the time the loss or damage occurred, subject to any Inflation Protection adjustment. 13 Damage by wear and tear, depreciation, gradually operating cause, process of cleaning, repair or restoration, mechanical or electrical breakdown. Items damaged outside the home. 13a The most we will pay is 5000.00 14 Damage to clothing and contact lenses. Deterioration of food. Damage while your house or any part of it is sublet. Damage by wear and tear, depreciation, insects, vermin, atmospheric or climatic conditions, gradually operating cause, process of cleaning, dyeing, repair or restoration, mechanical or electrical breakdown. Damage by a cause listed in paragraphs 5, 6 or 7 and which is specifically excluded in that paragraph B001150A HOME (TENANTS CONTENTS) August 2006

When not in your home, the Contents are insured against: 15 Loss or damage by any cause insured by paragraphs 1-10, occurring in the open within the boundaries of the land belonging to your home. 16 Loss or damage by any cause insured by paragraphs 1-10, occurring while temporarily removed: A) within the British Isles into any bank, safe deposit occupied private dwelling or into any building where the Insured is residing or carrying on business B) elsewhere within the British Isles. Exclusions 15 Any amount exceeding 250 16 Any amount exceeding 15% of the Sum Insured on Contents Loss or damage in any furniture depository by theft, except where there is forcible and violent entry into or exit from a building by collision whilst in transit or on the person by riot, civil commotion and malicious persons in the Republic of Ireland 17 Accidental loss or damage when in transit by land from your home, for permanent removal to another home in the British Isles, by professional removal contractors 18 Accidental loss of the keys to the external doors of the home, or to safes or alarms in the home. Accidental damage to the locks of the external doors to your home or to safes and alarms in the home. 17 Loss or damage to china, glass, earthenware and other items of a brittle nature unless they have been packed for removal by professional packers. Property in, or transit to or from, any depository Any amount exceeding 500 in any one Period of Insurance. Loss or damage caused by any process of repair or restoration. The cost of repairing mechanical breakdown. Claims Settlement We will pay for the replacement of the lock mechanism or at our option, we will change the locks. 19 Accidental damage to external television satellite receiving equipment permanently fixed to the home and professionally installed Any amount exceeding 250 Loss or damage caused by wear and tear, depreciation, atmospheric or climatic conditions, gradually operating cause, mechanical or electrical breakdown. Loss or damage occurring while the house has been left unfurnished. Claims Settlement We will pay the cost of replacement as new (or at our option replace as new) except for items that can be economically repaired where the cost of repair will be paid. The Insured is indemnified against liability at law: 20 For damages and/or claimant s costs in respect of accidental bodily injury (including death, disease or illness) or accidental damage to material property, occurring during any Period of Insurance incurred: a) solely as occupier (not as owner) of the home and its land b) solely in a personal capacity (not as occupier or owner of any buildings or land) c) as an employer to an employee. The limit of indemnity for all damages and claimant s costs resulting from one original cause is: A) 10,000,000 in respect of accidental bodily injury to employees under a contract of service to the Insured and arising out of and in the course of such employment. B) 5,000,000 in respect of accidental damage to material property or other accidental bodily injury. The Company will also pay defence costs and expenses incurred with the Company s written consent. The total amount payable for any one cause in respect of: A) above and or Liability Insurance Section 1 (if Insured) shall not exceed 10,000,000 inclusive of all defence costs and expenses incurred with the Company s written consent B) above and or Home Insurance Covers G and I, and or Liability Insurance Section 2 (if Insured) shall not exceed 5,000,000. Paragraph 20 includes indemnity after the Insured s death to legal personal representatives in respect of liability incurred by the Insured and covered by the Policy, provided that the legal personal representatives observe the terms of the Policy so far as they can apply. Exclusions 20 Damage to property belonging to or held in trust by or in the custody or control of any of the Insured. Injury or damage arising out of the employment profession or business of any of the Insured. Injury (except to an employee) or damage arising out of ownership, possession or use by or on behalf of any of the Insured of mechanically propelled vehicles (except gardening machinery and pedestrian controlled vehicles), lifts, caravans, aircraft, hovercraft or boats (other than hand propelled boats). Liability assumed by agreement, unless the liability would have existed without the agreement. Injury (including death, disease or illness) to any of the Insured. Liability resulting directly or indirectly from the transmission of any communicable disease by any of the Insured. Injury to any employee for which the Insured is required to arrange motor insurance or security in accordance with any road traffic legislation within the European Community. B001150A HOME (TENANTS CONTENTS) August 2006

Policyholder s Contribution (where applicable) to this Cover as shown in the Schedule Claims Settlement Accidental Damage Cover We will pay the cost of replacement as new, except for i. household linen and clothing, where a deduction for wear and tear will be made ii. items that can be economically repaired (including household linen and clothing) where the cost of repair will be paid iii. deeds and documents where we will pay only the value of the deed or document as stationery and for any expenses incurred in obtaining a copy of or re-writing the deed or document and re-stamping. If, at the time of any loss or damage, the Sum Insured on Contents is less than the cost of replacing all the Contents as new (less an allowance for wear and tear on items of household linen and clothing), we will pay the cost of replacement as new, less a deduction for wear and tear. We will not pay for the cost of replacing or repairing any undamaged part of the contents which forms part of a suite or part of a common design or function when the damage is restricted to a clearly definable area or to a specific part. The maximum amount payable in respect of any one claim under paragraphs 1-10, 12-14 and 17 is the Sum Insured (less any Policyholder s Contribution), subject to any limit stated in the Schedule By household linen we mean towels, bed and table linen. Index Linking We will adjust the Sum Insured on the Contents and the High Risk Limits monthly as shown in the Schedule. Your annual premium will be based on the adjusted Sum Insured and Limits. B001150A HOME (TENANTS CONTENTS) August 2006

Covers B and C: Insurance of Personal Possessions By Personal Possessions we mean valuables, personal effects and clothing belonging to the Insured or for which the Insured is legally responsible in or away from the home. The property is insured against Loss or damage within the British Isles and while temporarily elsewhere in the custody or control of the Insured, provided that the period for which the Insured is outside the British Isles does not exceed 60 days in any Period of Insurance. The maximum amount payable in respect of property taken abroad shall be the limit shown in your schedule. Exclusions Motor vehicles, pedal cycles, caravans, trailers, aircraft, hovercraft or boats or parts or accessories on or in any of them. Pets and livestock. Securities, documents of any kind, money or credit cards. Unless specified in the Schedule, china, glass, earthenware and other items of a brittle nature, household goods, domestic appliances, contact lenses, camping equipment or musical instruments or documents of any kind. Damage to external television satellite receiving equipment. Property more specifically insured. On unspecified valuables, personal effects and clothing, the Policyholder s Contribution shown on the schedule. Exclusions Items stolen from a vehicle unless in a locked glove or luggage compartment and concealed from sight. Loss by deception unless only entry to the home is gained by deception. Loss or damage caused by wear and tear, depreciation, insects, vermin, atmospheric or climatic conditions, gradually operating cause, process or cleaning, dyeing, repair, alteration, restoration, mechanical or electrical breakdown, delay, confiscation or detention by order of the Government or Public or Police Authority. Loss or damage by riot or civil commotion outside England, Scotland, Wales, the Isle of Man or the Channel Islands. Policyholder s Contribution (where applicable) to these Covers as shown in the Schedule Claims Settlement We will pay the cost of replacement as new, except for i. clothing, where a deduction for wear and tear will be made. ii. items that can be economically repaired (including clothing), where the cost of repair will be paid. The maximum amount payable in respect of any one claim is the Sum Insured (subject to any Limits) stated in the Schedule. Index Linking We will adjust the Sums Insured and the Limit (under Cover B) monthly as shown in the Schedule. Your annual premium will be based on the adjusted Sums Insured and Limit. B001150A HOME (TENANTS CONTENTS) August 2006

Cover D: Food in your Freezer By food in your freezer we mean food in your home contained in a domestic deep freezer cabinet which is not more than 15 years old. Food in your freezer is insured against: Loss or damage caused by a rise or fall in temperature. Exclusions Loss or damage resulting from the deliberate act of any power supply authority or the withholding or restricting of power by such an authority. Loss or damage caused by riot or civil commotion in Northern Ireland. Claims Settlement We will pay the cost of replacement and, if incurred, the reasonable cost of hiring temporary alternative freezer space. The maximum amount payable in respect of any one claim is the Sum Insured stated in the Schedule. Index Linking We will adjust the Sum Insured monthly as shown in the Schedule. Your annual premium will be based on the adjusted Sum Insured. Cover E: Personal Money and Credit Cards By Personal Money we mean money belonging to the Insured kept and used solely for private; social and domestic purposes. Personal Money is insured against: Loss within the British Isles and while temporarily elsewhere in the custody or control of the Insured, provided that the period for which the Insured is outside the British Isles does not exceed 60 days in any Period of Insurance. The Policyholder s Contribution shown below. Loss due to confiscation, to depreciation in value or to errors or omissions in receipts, payments or accountancy. Loss due to riot and civil commotion outside England, Scotland, Wales, the Isle of Man or the Channel Islands. Policyholder s Contribution applicable to this Cover as shown in the Schedule. Claims Settlement We will pay the amount of the money lost. The maximum amount payable in respect of any one claim is 250 By Credit Cards we mean any credit, cheque, bankers or cash card issued in the British Isles to the Insured. The insurance is against: Financial loss resulting from any Credit Card being stolen or accidentally lost and subsequently used by someone other than the Insured. Claims Settlement We will pay the amount for which the Insured is responsible, provided the Insured has complied with all the terms and conditions under which the card is issued. The maximum amount payable in respect of any one claim is 500. Cover F: Your Pedal Cycles By pedal cycles we mean any pedal cycle including accessories belonging to the Insured. Value of accessories will be included within value of cycle on schedule. Exclusions Motor-assisted pedal cycles. The Policyholder s Contribution shown below Pedal cycles are insured against: Loss or damage within the British Isles and while temporarily elsewhere in the custody or control of the Insured, provided that the period for which the Insured is outside the British Isles does not exceed 60 days in any Period of Insurance. Exclusions Theft unless by violent and forcible entry or exit to a building or if securely locked to an immovable object. Accessories unless stolen with the pedal cycle. Loss or damage while being used for racing. Loss or damage caused by wear and tear, depreciation, atmospheric or climatic conditions, gradually operating cause, repair or mechanical or electrical breakdown. Loss or damage caused by riot or civil commotion outside England, Scotland, Wales, the Isle of Man or the Channel Islands. Policyholder s Contribution applicable to this Cover as shown in the Schedule. Claims Settlement We will pay the cost of replacement as new, less a deduction for wear and tear, except for pedal cycles that can be economically repaired where the cost of repair will be paid. The maximum amount payable in respect of any one claim for each pedal cycle is as shown in the schedule. B001150A HOME (TENANTS CONTENTS) August 2006

Complaints Procedure We aim to provide you with a first class service. If we have not delivered the service that you expect or you are concerned with the service provided, we would like the opportunity to put things right. Our complaints process Initially please raise your concerns with your usual business contact. If your complaint is not resolved or you are not happy with our response and the course of action proposed, you can progress your complaint to our Customer Relations Office. A separate investigation will then be carried out in an attempt to resolve your complaint and a final decision issued. However if resolution is not possible they will issue a response within 8 weeks of your original complaint. Customer Relations Contact Details Customer Relations Office Royal & Sun Alliance Insurance plc Bowling Mill Dean Clough Industrial Park Halifax HX3 5WA Tel: 0800 1076160 Fax: 01422 325146 e-mail: halifax.customerrelationsoffice@uk.royalsun.com What to do if you are still not satisfied If you are still not satisfied Royal & Sun Alliance Insurance plc is regulated by the Financial Services Authority whose arbitration service is the Financial Ombudsman Service and you may be able to refer your complaint to them. Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Tel: 0845 0801800 e-mail enquiries@financial-ombudsman.org.uk web: www.financial-ombudsman.org.uk Your rights Your rights as a customer to take legal action remain unaffected by the existence or use of any complaints procedures referred to above. However the Financial Ombudsman Service will not adjudicate on any cases where litigation has commenced For your protection, telephone calls may be recorded or monitored. B001150A HOME (TENANTS CONTENTS) August 2006