COMPREHENSIVE BUILDINGS Insurance Polcy
INDEX A gude to your Polcy The Contract of Insurance Page Contract of Insurance 1 Defnton of words 2 General Exclusons 4 General Condtons 6 Secton 1. Buldngs Insurance 7 Cover 8 What you should do when makng a clam 13 Complants Procedure 13 Endorsements 14 The Polcy s a contract between the Polcyholder and the Insurer. The Insurer wll provde cover as descrbed n the polcy, and any endorsement, aganst loss, damage or legal lablty whch may occur durng any perod for whch we have accepted a premum Insurers Allanz Insurance plc: POLICY NUMBER SP/11068010 1. Important Please make sure you notfy Ross & Lddell, n wrtng, f: -. Anythng happens to change the use or nature of your home. You do anythng whch may affect ts rebuldng cost for example, extendng the property Please note that the consent of Ross & Lddell must frst be obtaned before any alteratons are made to the property.. You leave your home unoccuped for more than 30 days Ross & Lddell wll let you know any specal condtons whch apply to your nsurance whle you are away. The amount nsured for buldngs s ndex-lnked, but you must ensure that at all tmes the amount nsured represents the full rebuldng cost of your home. Ths cover apples only to fully completed propertes. 1
Defntons of Words Certan words or phrases have the same meanng wherever they are used n the polcy. These meanngs are Defnton gven here. of Words 1. The polcyholder/you Ross & Lddell and any person or persons named and lsted n Ross & Lddell s records as beng nsured by ths polcy. 2. We/Us/the Insurer Allanz Insurance plc 3. Polcy The Master polcy ssued by the Insurer and held by Ross & Lddell. 4. Other Interests The nterests of any propretor, lessor/landlord, debtor (other than the polcyholder) or other person or party lsted n Ross & Lddell s Insurance Records. 5. Ross & Lddell s Insurance Records The detals kept and mantaned by Ross & Lddell for each home nsured under ths polcy. 6. Schedule/Confrmaton of Renewal The Schedule form part of ths polcy and provdes detals of the Polcyholder, the perod of Insurance, the Property nsured and any endorsements applcable and should, therefore, be retaned. 7. Your household You, members of your famly lvng permanently wth you and your domestc employees. 8. Unted Kngdom Great Brtan (.e. England, Scotland, Wales, the Isle of Man, the Channel Islands) and Northern Ireland. 9. Buldng/Home Unless more specfcally descrbed bult manly of brck, stone, concrete or other non-combustble materals. Includes communal televson and rado recevng aeral, satellte dshes and related fttngs, fuel tanks and ancllary equpment. 10. Your Home/Buldngs/Property The Prvate house or Self Contaned Flat, or any other property accepted by Ross & Lddell for Insurance purposes under ths Polcy, and the fxtures and fttngs, outbuldngs, garages and greenhouses, all desgned and used for domestc purposes only, swmmng pools, hard tenns courts, terraces, patos, drveways, footpaths, walls, gates, hedges and fences, lamp posts, street furnture, canopes, fxed sgns, ppng, ductng, cables, wres, systems for preventon of fre and theft and contents of common stars all wthn the same ste at the address shown n Ross & Lddell s Insurance Records. 11. Perod of Insurance The perod shown n Ross & Lddell s Insurance Records and any further perod for whch we accept the premum. 12. Sum Insured The amount nsured, together wth any adjustments for ndex lnkng, s the maxmum amount payable for all clams arsng out of any one ncdent. The amount nsured for buldngs must be adequate to rebuld you buldngs as new, ncludng professonal fees, ste clearance costs and statutory costs. The amount nsured wll contnue n full followng payment of any clam. 13. Index-Lnked The amount nsured s lnked to the Housng Cost Index publshed by the Buldng Cost Informaton Servce of the Royal Insttuton of Chartered Surveyors, and wll be adjusted automatcally annually n lne wth movements of ths ndex. These adjustments wll contnue after nsured loss or damage has occurred provded that: - 2. The amount nsured was adequate at the tme of loss or damage.. You take all reasonable steps to ensure that rebuldng or repar s completed wthout unnecessary delay. You wll be notfed of the updated amount nsured and Correspondng premum for the followng perod of nsurance n May next year. 14. Rebuldng Cost The full cost of rebuldng all the buldngs n the same form, sze, style and condton as when new, ncludng the cost of complyng wth the local authorty and other statutory requrements, fees and assocated costs. 15. Unoccuped Any perod exceedng 30 consecutve days durng whch the Buldng s not beng lved n by you or any of your household. 16. Unfurnshed Any perod exceedng 30 consecutve days durng whch the Buldng s nsuffcently furnshed for full habtaton. 17. Act of Terrorsm Acts of persons actng on behalf of, or n connecton wth, any organsaton whch carres out actvtes drected towards the overthrowng or nfluencng, by force or volence, of Her Majesty s government n the Unted Kngdom or any other government. 18. g costevent of CUPIED All ndvdual losses arsng n respect of a contnuous perod of 72 hours of whch the proxmate cause s the same Act of Terrorsm. The date and tme that any such perod of 72 hours shall commence shall be set by the Insurer.
Defntons Contd. 19. Terrtoral Lmts England and Wales and Scotland but not the terrtoral seas adjacent there to as defned by the terrtoral Seas Act 1987: - Ths shall nclude the Channel Tunnel up to the fronter wth the Republc of France, as set out by the Treaty of Canterbury. For the avodance of doubt, ths excludes Northern Ireland, the Isle of Man and the Channel Islands. 20. General Cover Polcy Ths Polcy Where the cover by ths Polcy s lmted to the Terrorsm Insurance Secton only, the polcy or polces specfed n the Terrorsm Insurance Secton of the schedule to ths polcy 21. Property Insured a) Property as detaled n the Schedule to any General Cover Polcy but excludng property nsured under: - v Marne, Avaton or Transt polcy Motor Insurance polcy (other than Motor Trade polcy) Road Rsks Secton of a Motor Trade polcy Rensurance polcy or agreement Whether such polcy or agreement ncludes cover for an Act of Terrorsm or not b) Any land or buldng whch s nsured n the name of an ndvdual and s occuped by that ndvdual for resdental purposes, unless: - 22. Damage Insured under the same polcy as the remander of the buldng whch s not a prvate resdence The buldng s a block of flats Any Nuclear Installaton or Nuclear Reactor. Loss or destructon of, or damage to Property Insured. 23. Consequental Loss Loss resultng from nterrupton of the Busness carred on by the Insured at the Premses n consequence of loss or destructon of or damage to property used by the Insured at the Premses for the purpose of the Busness 24. Nuclear Installaton Any nstallaton of such class or descrpton as may be prescrbed by regulatons made by the relevant Secretary of State from tme to tme by statutory nstrument, beng an nstallaton desgned for or adapted for the producton or use of atomc energy the carryng out of any process whch s preparatory or ancllary to the producton or use of atomc energy and whch nvolves or s capable of causng the emsson of onsng radatons the storage, processng or dsposal of nuclear fuel or of bulk quanttes of other radoactve matter, beng matter whch has been produced or rradated n the course of the producton or use of nuclear fuel. 25. Nuclear Reactor Any plant (ncludng any machnery, equpment or applance, whether affxed to land or not)4esgned or adapted for the producton of atomc energy by a fsson process n whch a controlled chan reacton can be mantaned wthout an addtonal source of neutrons. 26. Vrus or Smlar Mechansm Program code, programmng nstructon or any set of nstructons ntentonally constructed wth the ablty to damage, nterfere wth or otherwse adversely affect computer programs, data fles or operatons, whether nvolvng selfreplcaton or not. The defnton of Vrus or Smlar Mechansm ncludes but s not lmted to trojan horses, worms and logc bombs. 27. Hackng Unauthorsed access to any computer or other equpment or component or system or tem whch processes, stores, transmts or retreves data, whether the property of the Insured or not. 28. Denal of Servce Attack Any actons or nstructons constructed or generated wth the ablty to damage, nterfere wth or otherwse affect the avalablty of networks, network servces, network connectvty or nformaton systems. Denal of Servce Attacks nclude, but are not lmted to, the generaton of excess traffc nto network addresses, the explotaton of system or network weaknesses, and the generaton of excess or non-genune traffc between and amongst networks. 3
GENERAL EXCLUSIONS The followng exclusons apply to your polcy as a whole. 1. War rsks Any consequence of war, nvason, act of foregn enemy, hostltes (whether war be declared or not), cvl war, rebellon, revoluton, nsurrecton or mltary or usurped power, or mltary force. 2. Sonc booms Damage caused by pressure waves from arcraft and other aeral devces travellng at sonc or supersonc speeds. 3. Radoactve contamnaton a) loss or any damage to any property, or any resultng loss expense or any consequental loss b) any legal lablty drectly or ndrectly caused by, or contrbuted to, by, or arsng from: -. Ionsng radaton or contamnaton by radoactvty from any nuclear fuel or from any nuclear waste from the combuston of nuclear fuel.. The radoactve, toxc, explosve or other hazardous propertes of any explosve nuclear assembly or nuclear component of such an assembly. 4. Rot or cvl commoton Loss or damage drectly or ndrectly caused by, or contrbuted to, by, or arsng from rot or cvl commoton outsde the Unted Kngdom. 5. Sezure or confscaton Loss or damage to any property caused durng sezure or Confscaton or attempts at ether of these by Customs or any other Authortes. 6. Other exclusons Loss or damage to any property caused by: - v Wear and tear, deprecaton or normal deteroraton Faulty workmanshp, defectve desgn or the use of defectve materals Dmnuton n value followng repar, replacement or renstatement Delberate acts of adult members of your household 7. Polluton or Contamnaton Polluton or contamnaton unless caused by: - A sudden and unforeseen and dentfable accdent Leakage of ol from any fxed heatng nstallaton wthn your Home 8. Excess The frst 250 of each and every loss, or seres of losses arsng out of one occurrence, where the 80% Condton of Average apples under the Clams Settlement Clause. 9. Date recognton Falure or nablty of any equpment or any computer program to recognse or correctly to nterpret or process any date as the true or correct date or to contnue to functon correctly beyond that date. Ths shall not exclude any resultng loss or damage otherwse nsured by ths polcy. AL CONDITIONS 10. E.Rsks Loss or destructon of or damage to any property whatsoever, or any loss or expense whatsoever resultng or arsng there from, or any consequental loss of whatsoever nature, caused by or consstng of or arsng drectly or ndrectly from: - a) Erasure, loss, dstorton, corrupton or unauthorsed access to or modfcaton of nformaton on computer systems or other records, programs or software by roters, strkers, locked-out workers, persons takng part n labour dsturbances or cvl commotons, or malcous persons b) Other erasure, loss, dstorton, corrupton or unauthorsed access to or modfcaton of nformaton on computer systems or other records, programs or software unless resultng from loss, destructon, damage or any consequental loss not otherwse excluded by ths Polcy c) msnterpretaton, use or msuse of nformaton on computer systems or other records, programs or software unless resultng from loss, destructon, damage or any consequental loss not otherwse excluded by ths Polcy d) Loss or, destructon of or damage to any computer equpment, component, system or tem whch processes, stores, transmts or retreves data, or to any part thereof, whether the property of the Insured or not, whether tangble or ntangble and ncludng wthout lmtaton any nformaton, programs or software, or any loss or expense whatsoever resultng or arsng there from where such loss, destructon, damage or expense s caused by or conssts of or arses drectly or ndrectly from: programmng or operator error v The cost of general mantenance or upkeep of the buldng. GENER 4 Vrus or Smlar Mechansm (as defned below) Hackng (as defned below) v Malcous persons
GENERAL EXCLUSIONS Contd. e) Any consequental loss of whatsoever nature caused by or consstng of or arsng drectly or ndrectly from: - any acton taken n controllng, preventng or suppressng any act of Terrorsm, or n any other way related to such act of Terrorsm I. Programmng or operator error II. Vrus or smlar mechansm (as defned below) III. Hackng (as defned below) IV. Malcous persons Unless resultng from loss, destructon, damage or any consequental loss not otherwse excluded by ths Polcy. For the purposes of Exclusons and : - Vrus or Smlar Mechansm means any program code, programmng nstructon or other set of nstructons ntentonally constructed wth the ablty to damage, nterfere wth or otherwse adversely affect computer programs, data fles or operatons (whether nvolvng self replcaton or not), ncludng but not lmted to Trojan Horses, Worms or Logc Bombs. Hackng means unauthorsed access to any computer or computer equpment, component, system or tem, whether the property of the Insured or not, whch processes, stores, transmts or retreves data. 11. Terrorsm (Not applcable to Employers Lablty, Publc Lablty, Products Lablty, Personal Accdent, Sckness and Travel, Road Rsks, Self Hre or Terrorsm [nsured as a separate secton] nsurances.) Ths Polcy does not cover: A). a) n respect of England, Wales and Scotland but not the terrtoral seas adjacent thereto as defned by the Terrtoral Sea Act 1987: Loss or destructon or damage or any consequental loss of whatsoever nature, drectly or ndrectly.caused by, resultng from or n connecton wth: - Any Act of Terrorsm, regardless of any other cause or event contrbutng concurrently or n any other sequence to such Act of Terrorsm any acton taken n controllng, preventng or suppressng any act of Terrorsm, or n any other way related to such Act of Terrorsm In respect of A) above an Act of Terrorsm (Terrorsm) means:- Acts of persons actng on behalf of, or n connecton wth, any organsaton whch carres out actvtes drected towards the overthrowng or nfluencng, by force or volence, of Her Majesty s government n the Unted Kngdom or any other government de jure or de facto. B). n respect of terrtores other than those stated n A) above: Loss or destructon or damage or any consequental loss of whatsoever nature, drectly or ndrectly caused by, resultng from or n connecton wth: - any act of Terrorsm, regardless of any other cause or event contrbutng concurrently or n any other sequence to such act of Terrorsm In respect of B) above an act of Terrorsm (Terrorsm) means:- An act, ncludng but not lmted to the use of force or volence and/or the threat thereof, of any person or group(s) of persons whether actng alone or on behalf of or n connecton wth any organsaton(s) or government(s), commtted for poltcal, relgous, deologcal or smlar purposes ncludng the ntenton to nfluence any government and/or to put the publc or any secton of the publc n fear. In any acton, sut or other proceedngs where the Insurer alleges that by reason of ths excluson any loss or destructon or damage or any consequental loss s not covered (or s covered only up to a specfed lmt of la the burden of provng to the contrary shall be upon the Insured. In the event any part of ths excluson s found to be nvald or unenforceable, the remander shall reman n full force and effect. Exclusons for Secton 23 The Insurer wll not pay for: - 1. Dgtal and Cyber Rsk Excluson any losses whatsoever drectly or ndrectly caused by or contrbuted to by or arsng from or occasoned by or resultng from: - Damage to any computer or other equpment or component or system or tem whch processes, stores, transmts or receves data or any part thereof whether tangble or ntangble (ncludng but wthout lmtaton any nformaton or programs or software) and whether the property of the Insured or not, where such Damage s caused by Vrus or Smlar Mechansm or Hackng or Denal of Servce Attack: Or: Consequental Loss drectly or ndrectly caused by or arsng from Vrus or Smlar Mechansm or Hackng or Denal of Servce Attack 2. Rot, Cvl Commoton and War Any losses whatsoever occasoned by rot, cvl commoton, war, nvason, act of foregn enemy, hostltes (whether war be declared or not), cvl war, rebellon, revoluton, nsurrecton or mltary or usurped power 3. Terrtoral Lmts Any losses whatsoever arsng drectly or ndrectly from any cover or extenson of Premses provded by the General Cover Polcy to locatons outsde the Terrtoral Lmts 12. Fraud We wll not make any payment under your polcy and all cover Wll end f, whether before or after a loss you, an nsured person anybody actng on your or ther behalf has ntentonally concealed or msrepresented any materal fact or crcumstance, engaged n fraudulent conduct, or made false statements relatng to ths nsurance. You should show ths notce to anyone who has an nterest n the property nsured under the polcy
GENERAL CONDITIONS The followng condtons apply to your polcy as a whole. 1. Notfyng a clam a) What you must do You must tell us n wrtng as soon as possble after any loss, damage or accdent. You must also tell us f you know of any wrt, summons or prosecuton. Every communcaton relatng to a clam must be sent to us wthout delay. b) Do Not Negotate You, or any other person nsured under ths polcy, or anyone else actng on your behalf, must not negotate, admt or repudate any clam wthout our wrtten consent. c) Tell the polce and obtan a Crme Reference No. You must tell the polce about all ncdents of theft, attempted theft or vandalsm, or loss, damage or njury caused by malcous persons. 2. We are enttled to a) take over and conduct n your name, or n the name of any other person nsured by ths polcy, the defence or settlement of any legal acton b) Take proceedngs at our own expense and for our own beneft, but n your name, or n the name of any other person nsured by ths polcy, to recover any payment we have made under ths polcy to anyone else. c) Receve all necessary nformaton and assstance from you and any other person nsured by ths polcy. 3. Your duty of care You and your household must undertake to mantan your property n a good state of repar and take all reasonable steps to prevent njury, loss or damage. 7. Extensons and Improvements You must nform Ross & Lddell of any extensons or mprovements to your home durng the perod of nsurance. We reserve the rght to alter the terms of your polcy mmedately we are notfed of any such changes. 8. Notfyng a change You must notfy us as soon as possble about any change n the nformaton gven to us whch s relevant to ths polcy. Falure to do so may nvaldate your polcy or may result n your polcy not operatng fully. We reserve the rght to alter the terms of your polcy at any tme should we become aware of any fact whch may affect the cover provded by your polcy. 9. Adequacy of Amounts Insured You must ensure that the amounts nsured are mantaned at an adequate level at all tmes. The amount nsured for buldngs should be suffcent to rebuld your home as new, ncludng the cost of professonal fees, clearance costs and statutory costs. 10. Cancellaton We may cancel the polcy by gvng 30 days notce by recorded delvery letter to the address shown on your latest schedule. 11. Unoccupancy For the purposes of Cover Clauses 6) & 16)c) the property shall not be regarded as unoccuped where the sad unoccupancy arses as a result of renovaton or refurbshment works beng carred out by Contractors employed by or on behalf of the Insured. 12. Automatc Waver of Subrogaton Rghts Any release from lablty entered nto by the Insured shall not affect ths Polcy or the rght of the Insured to recover hereunder. 4. Salvage We may enter any buldng where loss or damage has occurred and deal wth any salvage n a reasonable manner. However no property may be abandoned to us. 5. Other nsurances f at the tme of any ncdent whch results n a clam under ths polcy, there s any other nsurance coverng the same Loss, damage or lablty, we wll pay only our rateable share. 6. Dsagreement over amount of clam Where a clam has been accepted but there s dsagreement over the amount to be pad, the matter wll be referred to an arbtrator apponted n accordance wth current statutory provsons. When ths happens, an award must be made before proceedngs are started aganst us.
Secton 1 Buldngs Insurance The nsurance provded under ths polcy s operatve durng the perod of nsurance and s subject to the lmts and any excluson shown n Secton 1, General Condtons (see page 4) and General Exclusons (see page 3). 1. Clams Settlement Clause It s hereby agreed that, n the event of the property nsured beng destroyed or damaged, the bass upon whch the amount payable under the Polcy s to be calculated, shall be the renstatement of the property destroyed or damaged, subject to the followng Specal Provsons, and subject also to the Terms and Condtons of the Polcy, except nsofar as the same may be vared hereby. For the purposes of the nsurance under ths Memorandum renstatement shall mean: The carryng out of the aforementoned work, namely:- a) Where property s destroyed, the rebuldng of the property, f a buldng or, n the case of other property, ts replacement by smlar property, n ether case n a condton equal to, but not better or more extensve than, ts condton when new. b) Where property s damaged, the repar of the damage and the restoraton of the damaged porton of the property to a condton substantally the same as, but not better or more extensve than, ts condton when new. 2. Specal Provsons a) The work of renstatement (whch may be carred out upon another ste and n any manner sutable to the requrements of the nsured subject to the lablty of the Insurer not beng thereby ncreased) must be commenced and carred out wth reasonable despatch otherwse no payment beyond the amount whch would have been payable under ths Secton f ths Memorandum had not been ncorporated theren, shall be made. b) When any property nsured under ths Memorandum s lost, damaged or destroyed n part only, the lablty of the Insurer shall not exceed the sum representng the cost whch the Insurer could have been called upon to pay for renstatement f such property had been wholly destroyed. c) No payment beyond the amount whch would have been payable under ths Secton f ths Memorandum had not been ncorporated theren, shall be made untl the cost of renstatement shall have been actually ncurred. If, at the tme of the loss, the sum representng eghty per cent of the costs whch would have been ncurred n renstatement f the whole of the property covered had been destroyed, exceeds the sum nsured thereon at the tme of any loss, or at the commencement of any destructon of or damage to such property, then the nsured shall be consdered as beng ther own nsurer for the dfference between the sum nsured and the sum representng the cost of renstatement of the whole of the property, and shall bear a rateable proporton of the loss accordngly. e) No payment beyond the amount whch would have been payable under ths Secton f ths Memorandum had not been ncorporated theren shall be made f, at the tme of any destructon or damage to any property nsured hereunder such property shall be covered by any other nsurance effected by, or on behalf of, the Insured whch s not upon the dentcal bass of renstatement as set forth heren. f) Where, by reason of the above Specal Provsons, no payment s to be made beyond the amount whch would have been payable under ths Secton f ths Memorandum had not been ncorporated theren, the rghts and labltes of the Insurer and the Insured n respect of the destructon or damage shall be subject to the Terms and Condtons of the Polcy, ncludng any Condton of Average theren, as f ths Memorandum had not been ncorporated theren. g) No payment wll be made for the replacement of, or work on, any undamaged tems or remanng part of the nsured property solely because they form part of a set, sute, group or collecton of artcles of a smlar nature, colour, pattern or desgn. h) The Sum Insured on the nsured property wll be renstated automatcally from the date of notfcaton of any clam under ths Secton 3. Foundaton Clause In respect of any sum nsured on Buldngs hereof subject to any Condton of Average, those portons of the foundatons and ncombustble floors of buldngs ( other than machnery foundatons ) more than 8cms below the level of the floors of the lowest storeys ( whether such floors consttute the floorng of basements or otherwse) excluded from ths nsurance, except where such portons are wthn a radus of 60cms around and below any structural column or smlar superstructure support. d) Each sum nsured under ths Memorandum s declared to be separately subject to the followng Condton of Average (unless such sum s nsured on a Frst Loss bass, as shown on the Schedule), namely: -
7 Cover Your polcy nsures loss or damage caused by the followng: - 1. Fre, lghtnng, earthquake, thunderbolt and exploson. 2. Rot, cvl commoton, labour and poltcal dsturbances and malcous persons excludng: - a) All such loss, destructon or damage n Northern Ireland. b) Loss, destructon or damage by malcous persons durng any perod n excess of 30 days when the buldng s left unoccuped. c) Loss or damage caused by the occupers of your Insured Property. d) The frst 250 of each and every loss or seres of losses, arsng out of one occurrence, n respect of malcous damage. 3. Arcraft and other aeral devces or artcles dropped from them 4. Theft or attempted theft excludng: a) Loss or damage occurrng durng any perod n excess of 30 days when the buldng s left unoccuped. b) Loss or damage caused by the occupers of your Insured Property. 5. Leakage of ol from any fxed heatng nstallaton 6. Burstng, leakng or overflowng of water tanks, ppes or apparatus excludng: - a) Destructon or damage occurrng durng any perod n excess of 30 days when the buldng s left unoccuped. b) 200 maxmum excess per unt/flat 7. Storm or flood excludng: - a) Destructon or damage by subsdence, heave or landslp b) Destructon or damage to gates, hedges and fences. 8. Impact wth the buldng by any road vehcle, tran or anmal or marne vessel. 9. Breakage of recevng aerals, aeral fttngs and masts. 10. Fallng trees excludng: - a) Destructon or damage to gates, hedges, fences durng fellng or loppng operatons. b) The cost of removng fallen trees unless they have gven rse to a vald clam under the polcy. 11. Subsdence or heave of the ste on whch your buldng stands, or by landslp excludng: - a) The frst 1,000 of each clam. b) Destructon or damage caused by: - Coastal and/or rverbank eroson Defectve desgn or nadequate constructon of foundatons Demolton, structural alteraton or structural repar c) Swmmng pools, terraces, patos, drveways, footpaths, walls, gates, hedges and fences, unless your prvate resdence s also damaged at the same tme d) Sold floor slabs, unless the foundatons beneath the exteror walls are damaged at the same tme. 12. All other Accdental Loss or Damage excludng:- a) The cost of mantenance and normal redecoraton or reparng or replacng electrcal or mechancal equpment followng breakdown or msuse. b) Loss or damage by wear, tear, atmospherc or clmatc condtons, normal settlement or shrnkage, wet or dry rot, vermn nsects, fungus or any gradually operatng cause. c) Loss or damage caused by faulty workmanshp, defectve desgn or the use of defectve materals. d) Frost damage to terraces, patos, drveways, footpaths, garden walls, and hedges. e) Destructon or damage occurrng durng any perod n excess of 30 days when the property s left unoccuped. f) Any loss or damage specfcally excluded elsewhere n ths polcy. 13. Insurance for Underground Servces We wll pay the cost of reparng accdental breakage of underground servce ppes and cables for whch you are legally responsble, excludng: - a) Any costs ncurred n clearng a blockage whch has not drectly resulted n damage to the servce ppe tself
14. Insurance for Glass and Santary Fxtures The followng damage to fxed glass the nsurer wll pay the cost of: a) Any necessary temporary boardng-up of broken glass pendng full replacement b) Removng and re-fxng wndow fttngs and other obstacles to replacng broken glass and replacng alarm fol letterng, pantng, embossng, slverng or other ornamental work on glass c) Damage to framework and to Contents caused by broken glass d) Santary fxtures The Insurer wll not pay for Damage exstng pror to ncepton of ths secton. 15. Loss of rent or alternatve accommodaton Up to 25% n total of the sum nsured on your buldng for: - a) Loss of rent as a result of any of your buldng beng made unnhabtable from any cause covered by ths secton OR b) The necessary cost of alternatve accommodaton and temporary storage of furnture ncurred by any owner or lessee of any buldng rendered unnhabtable, or to whch access s dened from any cause covered by ths secton. 16. When the Buldng s unfurnshed or unoccuped The buldng s fully nsured for up to 30 consecutve days from the day t becomes unfurnshed or unoccuped. After 30 consecutve days, ths polcy does not nsure: - a) Breakage of or damage to fxed glass and santary fxtures b) Loss or damage, other than by fre or exploson, caused by theft or attempted theft, vandalsm or acts of malcous persons. c) Damage caused by burstng, leakng or overflowng of water tanks, ppes or apparatus. d) Damage caused by leakage of ol from any fxed heatng nstallaton, ppes or apparatus. 17. Insurance when your home s beng sold When you have agreed to sell your home, the buyer wll have the beneft of ths nsurance untl completon of the sale. Your rghts and labltes, and those of the nsurer, wll not be affected by the nsurance provded under ths polcy. Ths tem does not apply f the buldngs are nsured under any other polcy. 18. Professonal fees and Other Costs a) Professonal Fees We wll pay archtects fees, surveyors fees, legal fees and any other fees necessary to rebuld, replace or repar your buldngs after loss or damage nsured by ths polcy. b) Clearance Costs We wll pay the cost of removng debrs, dsmantlng, demolshng, shorng-up or proppng-up your buldngs after loss or damage whch s nsured by ths polcy. You must obtan our consent before any work of ths knd commences, unless mmedate acton s requred n the nterests of safety c) Subject to the Specal Condtons set out below, cover for Buldngs and Contents ncludes an amount n respect of any addtonal cost of renstatement whch s ncurred solely by reason of the necessty to comply wth Buldng or other regulatons under or framed n pursuance of any act of Parlament, wth Bye-Laws of any Publc Authorty or to comply wth the Stpulatons of European Unon legslaton, n respect of - lost, destroyed or damaged Property - undamaged portons of such Property Excludng A. the cost ncurred n complyng wth such regulaton, Bye-Laws or Stpulatons. n respect of Damage occurrng pror to the grantng of ths cover.. n respect of damage not covered by ths secton. under whch notce has been served upon the nsured before the date of the damage v. n respect of undamaged Property other than undamaged portons of Property Damaged B. the addtonal cost that would have been requred to make good the Property Damaged to a condton equal to ts condton when new, had the necessty to comply wth such Regulatons, Bye-Laws or stpulatons not arsen. C. the amount of any charge or assessment arsng out of captal apprecaton, whch may be payable n respect of the property, by reason of complance wth any such Regulatons, Bye-Laws or stpulatons.
Specal Condton 1. The work of renstatement must be commenced and carred out wth reasonable delay and n any case must be completed wthn twelve months after damage, or wthn such further tmes as the nsurer wll allow, and may be carred out upon another ste (f such Regulatons, Bye-Laws or Stpulatons so necesstate), subject to there beng no resultng ncrease n the lablty of the Insurer. 2. If the lablty of the Insurer s reduced by the applcaton of any terms and condtons of ths Secton or of the Polcy (other than as a result of ths clause) the lablty of the Insurer under ths clause wll be reduced n proporton. 3. The Most the nsurer wll pay for any one clams n respect of undamaged portons of the property other than foundatons s 15% of the total amount for whch the nsurer would have been lable had the Property been wholly destroyed. 4. All the terms and condtons of ths secton and of the polcy shall apply to any clams payable under the provsons of ths clause, other than where they are expressly vared by the terms of ths clause. c) Lablty arsng from your trade, professon or employment or that of any member of your household other than as owner of the buldngs. d) Lablty arsng from any agreement or contract unless lablty would have exsted otherwse. 20. Your lablty as the owner of your prevous homes We wll nsure your lablty under Secton 3 of the Defectve Premses Act 1972 or Secton 5 of the Defectve Premses (Northern Ireland) Order 1975, as owner of any prevous home whch you occuped at the tme of sale or dsposal, for accdents happenng n and around that home whch result n: - a) Bodly njury or llness of any person, other than your employees. b) Loss of or damage to property. Ths Defectve Premses Act nsurance wll contnue for a perod of seven years from the date ths polcy expres or s cancelled. However, ths nsurance wll not apply f your lablty s covered under a more recently effected or current polcy. Your polcy does not nsure: - a) Loss of or damage to property whch belongs to or s n the care of: - Your household Any other person lvng permanently wth you 19. Property Owners lablty Insurance Your lablty as owner of your present home. We wll nsure you, as owner, for all sums whch you become legally lable to pay for accdents happenng n and around your home whch result n: - a) Bodly njury or llness of any person, other than your employees or your household b) Loss of or damage to property Your polcy does not nsure: - a) loss of or damage to property whch belongs to or s n the care of : -. your household. any other person lvng permanently wth you Any person employed by you or any member of your household. The total amount payable under tem 19 of your polcy for all clams made aganst you and/or any member of your household arsng from any one occurrence wll not exceed 5,000,000. We wll also pay any extra costs and expenses awarded aganst your household or ncurred by your household wth our wrtten consent. 21. Insurance for Irrecoverable Court Awards We wll pay all sums whch your household has been awarded n a Unted Kngdom Court and whch have not been pad to your household wthn three months of the date of the award. We wll only make ths payment f tem 19 of ths polcy would have nsured your household had the award been made aganst your household rather than n your household s favour. Ths tem wll not apply: - any person employed by you or any member of your household a) When the ncdent whch prompted the court proceedngs occurred outsde the perod of nsurance. b) Lablty arsng from the ownershp or occupaton of any land or buldng other than: -. Your home. Any prvate resdence temporarly occuped by, but not owned by you, or a member of your famly lvng permanently wth you for resdental purposes. 9 Any prevous home whch you occuped mmedately pror to ts dsposal or sale and for whch you may be lable under the Defectve Premses Act 1972 or the Defectve Premses (Northern Ireland) Order 1975. b) If there s an appeal pendng. The total amount payable under ths tem of your polcy wll be lmted to 5,000,000 for any number of clams arsng from one ncdent. We wll also pay any extra costs and expenses ncurred after the date of judgement, provded your household has our wrtten consent. 22. Trace and Access Up to 5,000 for reasonable costs ncurred n locatng the source of damage caused by escape of water from any tank, apparatus or ppe or leakage from any ol-fred heatng nstallaton.
23. Contract Works Cover for Buldngs ncludes any permanent or temporary works undertaken n performance of any contract, ncludng all unfxed materals and goods delvered to or placed on or adjacent to the Premses and ntended for ncorporaton n such Contract Works, all for whch the Insured are responsble under the terms of the contract up to an amount of 250,000 any one contract 24. Terrorsm Ths secton only apples to you f your schedule of Resdental Buldngs Insurance shows that Terrorsm Cover s Included n your Polcy. The Insurer wll pay the Insured for: - a) Damage, or b) Consequental Loss Occasoned by or happenng through or n consequence of an Act of Terrorsm wthn the Terrtoral Lmts. Provded always that the nsurance by ths Secton a) Is not subject to the General Exclusons of the General Cover Polcy. b) Is subject otherwse to all the terms and condtons of the General Cover Polcy except where expressly vared wthn ths Secton. c) Is subject to a maxmum Perod of Insurance of 12 months from the Effectve Date or any subsequent Renewal Date of ths Polcy. Any subsequent perod of cover of 12 months, or part thereof, provded by ths Secton s deemed to consttute a separate Perod of Insurance, provded that: - No subsequent Perod of Insurance by ths Secton shall extend beyond the next Renewal Date of ths Polcy. The renewal premum due n respect of ths Secton has been receved by the Insurer d) Is not subject to any Long Term Undertakng applyng to the General Cover Polcy. Bass of Settlement As descrbed n and subject to the terms, defntons, provsons, exclusons and condtons of any General Cover Polcy n respect of Damage or Consequental Loss. The most the Insurer wll pay for any one Event s: - a) The Total Sum Insured, or b) for each tem ts ndvdual Sum Insured, or c) any other lmt of lablty 10 In the General Cover Polcy, whchever s the less? 25. Burden of Proof In any acton sut or other proceedngs where the Insurer alleges that any damage or loss resultng from damage s not covered by the General Cover Polcy, the burden of provng that such damage or loss s covered shall be upon the Insured. 26. Locks and Keys The Insurer wll pay the cost of replacng locks and keys of doors and wndows for whch the nsured are responsble, such costs beng necessarly ncurred to keep the premses secure f keys are stolen usng force and volence, up to an amount of 5,000 any one clam. 27. Landscaped Grounds Cover ncludes costs ncurred by your household n consequence of damage to the property nsured up to an amount of 25,000 any one clam, n restorng landscaped grounds to ther orgnal appearance when frst lad out and planted. We wll not pay for costs arsng due to the falure of trees, shrubs, plants, turf and the lke to germnate or to become establshed. 28. Metered Water Cover ncludes addtonal water, gas, electrcty or other metered supply charges ncurred by the Insured n consequence of Damage, and for whch the Insured are legally responsble, up to an amount of 50,000. We wll not pay for such charges ncurred n respect of any property that s unoccuped see tem 16. 29. Fre Extngushers & Sprnklers The Insurer wll pay the reasonable costs ncurred by the Insured n re-fllng fre extngushers and replacng sprnkler heads, solely n consequence of Damage by a Specfed Event. 30. Seventy Two Hour Clause Damage occurrng wthn 72 consecutve hours of and arsng from the Specfed Events of storm or flood s deemed to be the one clam. The Insured have the rght to select the moment from whch the 72-hour perod shall be deemed to have commenced wthn the terms of ths Secton, provded that such Damage occurred pror to expry of the Perod of Insurance. 31. Contractng Purchasers The Insurer agrees that wthout prejudce to the rghts and labltes of the Insured or the Insurer, f at the tme of Damage the Insured have contracted to sell ther nterest n any buldng covered, and the purchase has not been but shall afterwards be completed, the purchasers on completon of the purchase shall be enttled to beneft under ths Secton untl completon, except n so far as the buldng s more specfcally nsured by or on behalf of the purchaser. 11
32. Freeholders, Lessors & Morgagees When the nterest of any Freeholder, Lessor or Mortgagee has been noted n a property nsured covered by ths secton, the Insurer agrees that ths secton shall not be nvaldated by any act, omsson, alternaton or neglect of or by the leaseholder, lessee or Mortgagor unknown to or beyond the control of the Freeholder, Lessor or Mortgagee, by whch the rsk of Damage s ncreased, provded that the Freeholder, Lessor, Mortgagee shall gve notce to the Insurer (and pay an addtonal premum f requred) mmedately they become aware of such act, omsson, alteraton or neglect. 33. Contractors Interest when the Insured s requred by the terms or condton of any contract to cover buldngs n the jont names of the Insured and of any contractor or sub-contractor named n such contract, the nsurer aggress to note such jont nterests provded that the Insured shall notfy the Insurer of detals of any sngle contract valued at 250,000 or more, n advance of commencement of the work, and pay any addtonal premum the Insurer may requre. 36. Fly Tppng The nsurance by each tem on Buldngs extends to nclude costs necessarly and reasonably ncurred n clearng and removng any property llegally deposted n on or around the Premses provded that The lablty of the nsurer shall not exceed 10,000 any one clam and 25,000 n aggregate n respect of all clams n any one Perod of Insurance. The nsurer shall not be lable for the amount of the Excess shown n the schedule or 500 whchever s the greater. 37. Unauthorsed Occupaton Cover ncludes the costs and expenses necessarly and reasonably ncurred by the nsured wth the pror consent of the Insurer caused by or resultng from unauthorsed persons takng possesson keepng possesson or llegally occupyng any Premses durng the Perod of Insurance. Provded that: 34. Investgaton Expenses Where a buldng has suffered Damage and n the opnon of a competent constructon professonal there s a reasonable possblty of other Damage to portons of the same buldng whch s not mmedately apparent the Insurers wll pay the reasonable costs ncurred by the Insured wth the Insurers s pror consent n establshng whether or not such Damage has occurred, up to an amount of 10,000 any one clam and n the aggregate n any one perod of nsurance. 35. Addtonal Management Fees Those necessarly ncurred n the rebuldng or repar wth the consent of the Insurers but not for preparng the clams The cost of professonal fees shall nclude the reasonable fees of managng agents when They are n respect of work or beneft to the Insurers They relate to work whch s necessary for repar or renstatement They have been agreed wth the Insurers on advance But not fees whch are ncurred as part of the managng agent s general admnstratve dutes or purely n connecton wth the preparaton or admnstratve handlng of a clam, up to an amount of 25,000 durng any one perod of Insurance. a b c d e The nsurer shall not be lable for any dspute where the cause of the acton to termnate such unauthorsed use. Arses pror to the ncepton date of Cover under ths Secton. Involves the tenant (beng the person or organsaton that the nsured has a contract whch permts them to occupy the Premses or any person who s a leaseholder or freeholder of the premses and occupes the Premses) the nsured shall take all reasonable precautons to avod the premses or parts of the Premses becomng occuped by any other than the party named n the tenancy agreement the Insurer shall not be lable for fnes, penaltes, compensaton or damages arsng n the course of termnatng such unauthorsed use the nsurer shall not be lable for costs and expenses whch are recoverable under the Legal Expenses Secton of ths Polcy or more specfcally nsured elsewhere the lablty of the nsurer shall not exceed n respect of any clam or n any one Perod of Insurance 11
38. Publc and Products Lablty Secton - Polluton Clean Up Extenson Polluton clean-up costs In respect of Polluton or Contamnaton occurrng n Great Brtan, Northern Ireland, the Channel Islands or the Isle of Man caused by a sudden dentfable, unntended and unexpected ncdent whch takes place n ts entrety at a specfc tme and place durng the Perod of Insurance, the Insurer wll also ndemnfy the Insured aganst: a. the cost of any Remedaton legally requred or ordered by any statutory authorty or regulator (actng n accordance wth the terms of any Envronmental Legslaton) to be conducted by the Insured; and b. Lablty for the cost of any Remedaton conducted by any statutory authorty or regulator and legally sought from the Insured by that statutory authorty or regulator n accordance wth the terms of any Envronmental Legslaton. All Polluton and Contamnaton whch arses out of one ncdent shall be deemed to have occurred at the tme such ncdent takes place. For the purposes of ths extenson, the followng defntons shall apply: Remedaton shall mean works or operatons to treat, remove or dspose of Polluton and Contamnaton. For the avodance of doubt, t excludes: a. works or operatons to renstate, rentroduce or restore flora or fauna b. works or operatons to restore natural habtats or speces protected under Envronmental Legslaton Envronmental Legslaton shall mean any legslaton for the protecton of the envronment or control of Polluton and Contamnaton. Polluton and Contamnaton shall mean all polluton or contamnaton of water or land (but excludng any polluton or contamnaton of buldngs or other structures) Provded that: 1) under ths extenson, the Insurer shall ndemnfy the Insured only to the extent that the Remedaton to whch the ndemnfed cost relates s the mnmum necessarly conducted under the provsons of Envronmental Legslaton. 2) ths extenson does not cover any costs, or any lablty for costs, of Remedaton arsng out of: 12 a. Polluton and Contamnaton occurrng outsde Great Brtan, Northern Ireland, the Channel Islands or the Isle of Man b. Polluton and Contamnaton consstng of any radoactve substances or asbestos 3) ths extenson does not cover any costs, or any lablty for costs, of Remedaton carred out on, or n order to protect, any property belongng to or n the charge or control of the nsured other than premses not belongng leased rented or hred to the Insured but temporarly n the Insured s charge for the purpose of carryng out work. 4) the total amount payable under ths Extenson durng any one Perod of Insurance shall not exceed 250,000 and the total amount payable a. under ths Extenson and b. otherwse under ths Secton for all compensaton n respect of Polluton or Contamnaton (as defned theren) whch s deemed to have occurred durng any one Perod of Insurance shall not exceed n the aggregate durng any one Perod of Insurance the Lmt of Indemnty n the Schedule 5) ths extenson does not cover any costs, or any lablty for costs, to the extent they relate to a. any measures to prevent the spread of Polluton or Contamnaton or the removal of an mmedate threat of Polluton or Contamnaton b. the removal or dsposal of any waste deposted by or on behalf of the nsured c. any amounts payable by way of compensaton to thrd partes affected by such Polluton and Contamnaton d. any amount payable by way of fne or penalty e. any costs and expenses ncurred by the Insured, or prosecuton costs and expenses awarded aganst the Insured, n connecton wth any crmnal proceedngs arsng out of the Polluton or Contamnaton f. any works or operatons that mprove the state or condton of water or land n comparson wth ts state or condton mmedately pror to the ncdent that caused the Polluton and Contamnaton. 6) Ths extenson does not cover the frst 2,500 of the cost of any Remedaton arsng out of any one ncdent. Subject otherwse to the terms and condtons of ths Polcy. c. Polluton and Contamnaton caused by Products d. Polluton and Contamnaton caused by or arsng out of the ownershp operaton or use of any motor vehcle (whlst on any road), marne vessel or arcraft
COMPLAINTS PROCEDURE Any enqury or complant you may have regardng your polcy should be addressed to: - Insurance Department, Ross & Lddell, 60 St. Enoch Square, Glasgow G1 4AW. If you are not satsfed wth the way n whch your complant has been dealt wth, contact: - Regonal Manager, Allanz Insurance plc, 150 St Vncent Street, GLASGOW, G2 5NE. When you have receved a reply from Allanz Insurance plc and f you stll reman dssatsfed, you can also ask the ABI for help by contactng any of ther regonal offces the address and telephone number of whch may be found n the telephone drectory, or by contactng: - Consumer Informaton Department, Assocaton of Brtsh Insurers, 51 Gresham Street, LONDON, EC2V 7HQ By telephone: - (0207) 600 3333 WHAT SHOULD YOU DO As soon as possble after the happenng of an event whch could gve rse to a Clam, contact: - ROSS & LIDDELL CLAIMS LINE, on 0141 240 2626 Immedate advce s essental f the damage s serous or caused by rot. You must tell the Polce and obtan a Crme Reference Number regardng all nstances of Theft, attempted Theft or Vandalsm, or loss, damage or njury caused by Malcous Persons. WHAT WE WILL DO Where the damage s serous, we wll arrange for someone to call on you as soon as possble. In other cases we wll let you know f we need any more nformaton. In addton to the above, f you are stll not satsfed, you can refer any dspute to the Insurance Ombudsman, contact: - The Insurance Ombudsman Bureau, Cty Gate One, 135 Park Street, London SE1 9EA
ENDORSEMENTS MORTGAGEES CLAUSE Bondholders, mortgages and lessees shall not be prejudced by any damage or ncrease n the rsk of damage resultng from any act or omsson of any mortgagor, lessor or occuper of any nsured property, provded proof of such nterest s suppled when requested. EXCESS Except where otherwse stated the Insurers shall not be lable for the frst 100 of each and every loss or damage per apartment flat or unt n respect of Cover 2) 4) 5) 6) 7) 8) 9) 10) 12) 13) 14) and 21)