Private Clients Home Insurance Policy

Contents Pge Introduction 1-2 Definitions 3-5 Generl conditions 6 How we will del with your clim Sections One to Five 7 How to mke clim 8 Generl exclusions 9 Section One Buildings 10-14 Section Two Contents 15-18 Section Three - Accidents to domestic stff 19 Section Four Legl liility to the pulic 20-22 Section Five Vlules, ntiques nd works of rt, gold 23-25 nd silver Section Six Legl Expenses Section Seven Helplines Section Eight Home emergency Section Nine Trvel 26-35 36 37-40 41-48 Septemer 2014

1 Introduction Welcome to your Mrkhm Privte Clients high vlue Home insurnce policy. The policy is Underwritten y Amlin s Syndicte 2001 t Lloyds of London, who hve over 20 yers experience insuring high vlue homes for the ffluent individul or fmily. This policy of insurnce, schedule nd ny endorsement pplying to your policy forms your Mrkhm Privte Clients Home Insurnce document. This document sets out the conditions of the contrct of insurnce etween you nd us. In return for pyment of the premium shown in the schedule, we gree to insure you, suject to the terms nd conditions contined in or endorsed on this policy, ginst loss or dmge you sustin or legl liility you incur for ccidents hppening during the period of insurnce s shown in the schedule. This is leglly-inding contrct of insurnce etween you nd us. This insurnce does not give or intend to give rights to nyone else. No one else hs the right to enforce ny prt of this insurnce. When drwing up this insurnce, we hve relied on the informtion nd sttements which you gve in the proposl form (or sttement of fct) on the dte shown in the schedule. The insurnce reltes only to those sections of the policy which re shown in the schedule s eing included. Plese red the whole document crefully nd keep it in sfe plce. It is importnt tht - you re cler which sections you hve sked for nd wnt to e included; - you understnd wht ech section covers nd does not cover; nd - you understnd your own duties under ech section nd under the insurnce s whole. Plese contct your roker or insurnce dviser immeditely if this document is not correct or if you would like to sk ny questions. Detils of our regultor Amlin Underwriting Limited (who mnges the Lloyd s Syndicte 2001 who provide this insurnce) is uthorised y the Prudentil Regultion Authority nd regulted y the Finncil Conduct Authority nd Prudentil Regultion Authority under reference numer 204918. You cn visit the Finncil Conduct Authority wesite t www.fs.gov.uk/register or you cn phone them on 0800 111 6768. Finncil Services Compenstion Scheme Amlin Underwriting Limited is covered y the Finncil Services Compenstion Scheme. You my e entitled to compenstion from the scheme if Amlin Underwriting Limited cnnot py clim to you under this contrct. If you re entitled to compenstion under the scheme, how much compenstion you would receive would depend on the nture of this contrct. You cn get more informtion out the scheme from the Finncil Services Compenstion Scheme 10th Floor, Beufort House, 15 St Botolph Street, London EC3A 7QU nd on their wesite t www.fscs.org.uk. 1 Septemer 2014

2 Introduction (continued) Complints procedure If you hve ny questions or concerns, you should contct your roker or insurnce dviser. If you re unle to resolve the mtter with your roker or insurnce dviser nd wnt to mke forml complint, you cn do so t ny time y referring the mtter to either Syndicte 2001 (the Insurer) Complints Tem which is mnged y Amlin Underwriting Limited t E-mil: ulcomplints@mlin.co.uk Telephone: +44 (0)20 7746 1300 Address: Amlin Underwriting Limited, St Helen s, 1 Undershft, London EC3A 8ND or Lloyd s Policyholder nd Mrket Assistnce Tem t E-mil: complints@lloyds.com Telephone: +44 (0)20 7327 5693 Fx: +44 (0)20 7327 5225 Address: Policyholder nd Mrket Assistnce Mrket Services, Lloyd s, One Lime Street, London EC3M 7HA Detils of Lloyd s complints procedures re set out in leflet Your Complint How We Cn Help ville t www.lloyds.com/complints nd re lso ville from the ove ddress. If you remin disstisfied fter Lloyd s hs considered your complint, you my hve the right to refer your complint to the Finncil Omudsmn Service. Cooling off period You my cncel this insurnce within 14 dys of you uying this insurnce or the dy on which you receive the insurnce documents whichever is lter. We will provide full refund of the premium pid. We cn decide not to refund ny premium if you hve mde clim on this insurnce. 2 Septemer 2014

3 Definitions Whenever the following words pper in this insurnce they will hve the menings shown elow. Antiques nd works of rt Buildings Business Business contents Contents Individul items, collections nd sets of prticulr vlue due to their ge, style, rtistic merit or collectility including furniture, designer mde furniture, pintings, drwings, ojets d rt, chin, glss, porcelin, sculptures (inside or outside the home nd within the premises), rugs, tpestries, clocks nd rometers which elong to you or for which you re leglly responsile s long s it is not usiness property. The following, which you own or for which you re leglly responsile within the premises nmed in the schedule.. The home within the premises nmed on the schedule, its decortions nd tennts improvements; fixtures nd fittings ttched to the home (including rdio nd televsion riels, solr pnels, stellite dishes, their fittings nd msts); underground service pipes nd cles, sewers, drins nd septic tnks; nd permnently instlled lighting, swimmings pools, tennis courts, drivewys, footpths, ptios nd terrces, wlls, gtes, fences, hedges, fixed fuel tnks, professionlly nd permnently instlled hot tus nd wind turines used for domestic purposes only. Any professionl ctivity or non-mnul usiness crried out t your home. Furniture nd equipment, sttionry, office supplies, softwre, records nd documents in the home which elong to the usiness or for which the usiness is leglly responsile. Household goods nd personl possessions, which elong to you or for which you re leglly responsile, normlly kept within the home. Contents includes tennts fixtures nd fittings; wine; guns; nd rdio nd television erils, solr pnels, stellite dishes, their fittings nd msts which re ttched to the home. Limits for certin contents We will py up to 25,000 for grden furniture, permnently fixed sttues nd ornments nd other similr items which re normlly kept outdoors nd grden mchinery, while in the open ut within the premises. This does not pply to rdio nd television erils, solr pnels, stellite dishes nd their fittings nd msts which re ttched to the home. We will py up to 7,500 in totl for money. We will py up to 35,000 for credit crds, ut we will only py mounts you leglly hve to py, s result of unthorised use, fter the crds hve een lost or stolen. However you must keep to ll the terms nd conditions under which the credit crds were issued. We will py up to 10,000 for deeds nd regsitered onds nd other personl documents. We will py up to 5,000 for stmps or coins forming prt of colleciton. We will py up to 10,000 for gold nd silver. We will py up to 10,000 for vlules. We will py up to 10,000 for domestic fuel in fixed tnks. We will py up to 7,500 for computer softwre (including the cost of restoring computer files) during the period of insurnce. Contents does not include Motor vehicles (other thn qud ikes, golf uggies or trilers up to 12,500 in totl while in locked uilding, electric wheelchirs or items designed for child to use), crvns or their ccessories; ny niml, plnt or tree; ircrft; wtercrft (other thn dinghies, rowing ots or silords up to vlue of 10,000 in totl while they re in locked uilding); ny prt of the uildings; 3 Septemer 2014

4 Definitions (continued) ny property held or used for usiness purposes other thn office equipment; or ny property insured under ny other insurnce. Computer viruses Credit crds Endorsement Grden An instruction from n unuthorised source tht spreds itself over computer system or network nd corrupts informtion. Credit crds, chrge crds, deit crds, cheque gurntee crds nd csh-dispenser crds. A chnge in the terms nd conditions of this insurnce. The ground next to your home nd within the premsies nmed in the schedule which is used only for growing flowers, plnts, trees, shrus, fruit nd vegetles (ut not s usiness); nd s plce to relx nd enjoy. The grden does not include woods pddocks. Gold nd silver Home Home office usiness Incidentl frming Money Period of insurnce Premises Snitry wre Schedule Stndrd construction Tennts improvements Terrorism This includes gold nd silver plted items. The privte dwelling uilt of stndrd construction nd the grges nd outuildings used for domestic purposes t the premises shown in the schedule. Office work crried out in your home. Frming crried out y you on prt time sis t the ddress shown in the schedule s long s ny people you employ for this purpose do not work more thn 2,000 hours etween them during the period of insurnce. All of the following held or used for privte purposes. Current legl tender, cheques, postl nd money orders. Postge stmps not forming prt of stmp collection. Svings stmps nd svings certifictes, trvellers cheques. Premium onds, luncheon vouchers nd gift tokens. Trvel tickets. The length of time for which this insurnce is in force, s shown in the schedule nd for which you hve pid nd we hve ccepted premium. The ddress which is nmed in the schedule. Wshsins, sinks, idets, lvtory pns, cisterns, shower trys, shower screens, ths nd th pnels. The schedule is prt of this insurnce nd contins detils of you, the premises, the sums insured, the period of insurnce nd the sections of this insurnce nd ny endorsements which pply. Built of rick, stone or concrete nd roofed with sltes, tiles, sphlt, metl or concrete. Altertions nd decortions, which hve een mde y you or previous occupier which re not insured under ny other insurnce. Any ct(s) including ut not limited to 1 the use nd/or thret of force or violence; or 2 the cusing, occsioning nd/or thretening of hrm of whtever nture nd y whtever mens y ny person or group(s) of persons, whether cting lone or on ehlf of or in connection with ny orgnistion(s) or government(s) committed for politicl, religious, ideologicl, ethnic or similr purposes including the intention to influence ny government nd/or to put the pulic or ny section of the pulic in fer. 4 Septemer 2014

5 Definitions (continued) United Kingdom Englnd, Wles, Scotlnd, Northern Irelnd, the Isle of Mn nd the Chnnel Islnds. Vlules jewellery including unset precious or semi precious stones; wtches with n individul vlue of 5,000 or more; nd furs. We, us or our You, your or insured Your roker or insurnce dviser Lloyd s Syndicte 2001, mnged y Amlin Underwriting Limited through its service compny Amlin UK Limited. The person or people nmed in the schedule nd ll memers of their fmily (including your nnny nd other domestic stff) who permnently live in the home. The person or people who rrnged this insurnce for you. 5 Septemer 2014

6 Generl conditions We will tret ech home included under this insurnce s if seprtely insured. A Cncelltion cluse 1 You my cncel this insurnce t ny time y writing to your roker or insurnce dviser. Any return premium due to you will depend on how long this insurnce hs een in force nd whether you hve mde clim. 2 We my lso cncel this insurnce y giving you 30 dys notice in writing. Any premium due to you will depend on how long this insurnce hs een in force. B Contrcts (Rights of Third Prties) Act 1999 A person who is not directly involved in this insurnce hs no right under the Contrcts (Rights of Third Prties) Act 1999 to enforce ny term of this contrct. However, this does not ffect ny of their rights which exist prt from the Act. C Dt Protection Act 1998 We will hndle ny informtion you hve given, in line with the conditions of the Dt Protection Act 1998. To provide insurnce nd hndle clims, we my need to provide this informtion to other people. D Index-linking Ech month we will link the sums insured in Section One (uildings) nd Section Two (contents) to the relevnt indexes elow. Section One (uildings) The House Reuilding Cost Index issued y the Royl Institute of Chrtered Surveyors Section Two (contents) The Consumer Durles Section of the Generl Index of Retil Prices or similr index we hve chosen. We will not chrge you ny extr premium for ny monthly increse. However, whenever you renew this insurnce, we will work out the premium using the new sums insured. For your protection, if the index flls elow zero, we will not reduce the sum insured. E F Lw which pplies to this insurnce You nd we cn choose the lw which pplies to this insurnce document. Unless we hve greed differently with you, this insurnce will e governed y English Lw. Your duties 1 You must tke ll resonle steps to prevent loss, dmge or n ccident nd keep the uildings in good stte of repir. 2 You must tell your roker or insurnce dviser immeditely if you stop using the home s your permnent home; or regulrly leve the home without nyone living in it. When we receive this notice, we cn chnge the conditions of this insurnce. 3 You must tell your roker or insurnce dviser efore you strt ny conversions, extensions or other structurl work to the uildings nd ny works involving the use or ppliction of het. When we receive this notice, we cn chnge the conditions of this insurnce. 4 You must keep the sums insured t level which represents the full vlue of the property. Full vlue should represent the following. For uildings the full reuilding cost including removl of deris nd professionl fees. For contents the current cost s new. For ntiques nd works of rt, vlules, gold nd silver the current mrket vlue. If you fil to keep ny of these duties nd this results in loss or dmge, we my not py your clim. 6 Septemer 2014

7 How we will del with your clim under Sections One to Five A B Defending clims We my tke full responsiility for deling with, defending or settling ny clim in your nme; nd tke ny ction we consider necessry to enforce your rights or our rights under this insurnce. Other insurnce We will not py ny clim if ny loss, dmge or liility covered under this insurnce is lso covered totlly or prtly under ny other insurnce except for ny excess eyond the mount which would hve een covered under the other insurnce if this insurnce did not exist. This cluse does not pply to ftl injury (Section Two Extension H). C D Frudulent clims If you, or nyone cting for you, mke clim knowing it to e flse or frudulent in ny wy, this insurnce will no longer pply nd we will not py ny clims. Excess Unless otherwise stted on your scheudle, the following excesses pply for ech nd every loss. Section One Section Two Section Three Section Four Section Five 250 excess pplies, other thn in respect of susidence, lndslip or heve, where 1,000 excess pplies. 250 excess pplies, other thn lock replcement where no excess pplies. No excess pplies. No excess pplies. 250 exceess pplies, other thn for specified items where no excess pplies. If clim is more thn 10,000, we will not tke off ny excess unless you hve chosen voluntry excess or we hve pplied compulsry excess s shown in your schedule. If you clim for the sme incident under more thn one section nd n excess is shown under more thn one section, we will only pply one excess. 7 Septemer 2014

8 How to mke clim We im to provide first clss service. Your clim will e hndled promptly nd with due cre nd professionlism. We will lso ensure you re kept informed of the progress of your clim. The Clims Tem is open 24 hours dy, 365 dys yer. In the event of clim or possile clim under this insurnce plese contct the Clims Tem either y phone on: 0800 028 2881 or in writing to: 2 Birtley Courtyrd, Brmley, Surrey, GU5 0LA. Your Clims Tem will record your notifiction. dvise you wht will hppen next uthorise you to undertke ny emergency mesures necessry to secure your proeprty or prevent further loss or dmge. In the event of home emergency You my use the 24 hour helpline following n emergency in the home for which trdesmn s ssistnce is required. The helpline will source nd deploy n pproved trdesmn to your home. We will py the following: the cll out chrge nd the cost of up to 2 hours lour; the cost of prts nd mterils up to mximum of 500 (including VAT); nd in ll up to 1,500 (including VAT). Where pproprite, we my sustitute deploying trdesmn with the provision of technicl dvice over the phone giving you the mens to rectify the prolem yourself. Simply phone 0800 028 1673 nd when prompted quote Domestic Helpline. It is importnt tht you re fmilir with your clims duties, which re shown elow. Your duties 1. You must notify the Clims Tem s soon s resonly possile giving full detils of wht hs hppened. 2. You must provide the Clims Tem with full detils of wht hs hppened within 30 dys nd provide ny other informtion we my resonly require including proof of ownership nd vlue. 3. You must inform the Police s soon s resonly possile following mlicious cts, violent disorder, riots or civil commotion, theft, ttempted theft or loss of property. 4. You must immeditely forwrd to the Clims Tem, if clim for liility is mde ginst you, ny letter, clim, writ, summons or other legl document you receive. 5. You must not dmit liility or offer or gree to settle ny clim without our written permission. If you fil to comply with ny of the ove duties, your clim my not e pid. 8 Septemer 2014

9 Generl exclusions A Aircrft pressure wves We will not py for loss, destruction or dmge directly occsioned y pressure wves cused y ircrft nd other eril devices trvelling t sonic or supersonic speeds. B Biologicl, chemicl, or nucler contmintion We will not py for 1 loss or destruction of or dmge to ny property whtsoever, or ny loss or expenses whtsoever resulting or rising therefrom; 2 ny legl liility of whtsoever nture; or 3 deth or injury to ny person directly or indirectly cused y or contriuted to y or rising from iologicl or chemicl contmintion due to or rising from i ii terrorism; nd/or steps tken to prevent, suppress, control or reduce the consequences of ny ctul, ttempted, thretened, suspected or perceived terrorism. For the purposes of this exclusion terrorism mens ny ct(s) of ny person(s) or orgnistion(s) involving the cusing, occsioning or thretening of hrm of whtever nture nd y whtever mens; or putting the pulic or ny section of the pulic in fer in circumstnces in which it is resonle to conclude tht the purpose(s) of the person(s) or orgnistion(s) concerned re wholly or prtly of politicl, religious, ideologicl or similr nture. C D E F G Electronic dt We will not py for 1 loss or destruction of or dmge to ny property whtsoever, or n loss or expenses whtsoever resulting or rising therefrom; or 2 ny legl liility of whtsoever nture directly or indirectly cused y or contriuted to, y or rising from i computer viruses, ersure or corruption of electronic dt; or ii the filure of ny equipment to correctly recognise the dte or chnge of dte. Existing nd delierte dmge We will not py for loss or dmge 1 occurring efore cover strts or rising from n event efore cover strts; 2 cused deliertely y you or ny person leglly residing t the premises nmed in the schedule; or 3 for ny indirect losses which result from the incident tht cused you to clim. Rdioctive contmintion nd explosive nucler ssemlies We will not py for 1 loss or destruction of or dmge to ny property whtsoever, or n loss or expenses whtsoever resulting or rising therefrom; or 2 ny legl liility of whtsoever nture directly or indirectly cused y or contriuted to, y or rising from i ionising rditions or contmintion y rdioctivity from ny nucler fuel or from ny nucler wste from the comustion of nucler fuel; or ii the rdioctive, toxic, explosive or other hzrdous properties of ny explosive nucler ssemly or nucler component thereof. Wr We will not py for ny loss or dmge or liility directly or indirectly occsioned y, hppening through or in consequence of wr, invsion, cts of foreign enemies, hostilities (whether wr e declred or not), civil wr, reellion, revolution, insurrection, militry or usurped power or confisction, ntionlistion, requisition or destruction of or dmge to property y or under the order of ny government or pulic or locl uthority. Indirect loss or dmge We will not py for ny loss or dmge tht is not directly ssocited with the incident tht cused you to clim, unless expressly stted in this insurnce. 9 Septemer 2014

10 Section One Buildings Plese red your schedule to see if this section pplies. Wht is covered. This insurnce covers the uildings for loss or dmge. Wht is not covered. We will not py for loss or dmge directly or indirectly cused y or rising from 1 conversions, extension or other structurl work to the uildings or ny works involving the use or ppliction of het; 2 wrping, shrinking or norml settlement or collpse; 3 moth, vermin, wer nd ter, infesttion, corrosion, dmp, wet or dry rot, mould or frost or nything which hppens grdully; 4 misuse or fulty design, workmnship or mterils; 5 dryness, dmpness, extremes of temperture or exposure to light 6 your domestic nimls chewing, scrtching, tering or fouling; or 7 pollution or contmintion of ny kind other thn s result of oil escping from fixed domestic heting instlltion t the premises. c d e for the cost of generl mintennce, electricl or mechnicl fults or rekdown. for loss or dmge cused y storm, flood or weight of snow to gtes, fences nd hedges. for loss or dmge cused y frost other thn to fixed wter tnks, pprtus or pipes. for loss or dmge while the uildings re not furnished enough to e normlly lived in unless the loss or dmge is cused y 1 fire, lightening, explosion or erthquke; 2 ircrft nd other flying devices or items dropped from them; 3 storm, flood or weight of snow; 4 ny vehicle or niml hitting the uilding; or 5 susidence or heve of the site upon which the uildings stnd or lndslip. 10 Septemer 2014

11 Section One Buildings (continued) Wht is covered. This insurnce covers the uildings for loss or dmge. Wht is not covered. We will not py f for loss or dmge cused y susidence or heve of the site on which the uildings stnd or lndslip 1 to domestic fixed fuel tnks, swimming pools, tennis courts, drivewys, footpths, ptios nd terrces, wlls, gtes, fences nd hedges, permnently-instlled hot tus nd wind turines unless the privte dwelling is lso ffected t the sme time y the sme event; 2 to solid floor, unless the wlls of the privte dwelling re dmged t the sme time y the sme event; 3 if compenstion hs een provided for (or would hve een if it wsn t for this insurnce) under ny contrct or gurntee or y lw; 4 while the uildings re undergoing ny demolition, ltertion, extension or repirs; 5 due to fulty design, workmnship or mterils; or 6 s result of the cost or rivernk wering wy. g h for loss or dmge cused y frost to permnently instlled hot tus. for loss or dmge where you sign n greement with contrctor which needs specific or joint insurnce without getting our greement first. 11 Septemer 2014

12 Section One Buildings (continued) Wht is covered. This section of the insurnce lso covers the following. Wht is not covered. We will not py A 1 Loss of rent due to you nd ground rent pyle to you which you cnnot recover; nd 2 the extr costs of using other ccommodtion, for you nd your domestic nimls, s similr to your existing ccommodtion s possile which you hve to py while the uildings cnnot e lived in following loss or dmge tht is covered under Section One. 3 the extr costs for up to 60 dys of other ccommodtion for you nd your domestic nimls, s similr to your existing ccommodtion s possile, due to locl or police uthority preventing you from living in your home ecuse of loss or dmge to neighouring property. for loss of rent for more thn 60 months. for the extr costs of other ccommodtion for more thn 60 months. If you clim for costs of other ccommodtion under Sections One nd Two, we will not py for costs of other ccommodtion for period of more thn 60 months in totl. B C During the period of insurnce, for ny costs which you hve to py for finding the source of ny wter or oil which hs escped from ny fixed tnks, pprtus, pipes or ny fixed domestic heting instlltion. Up to 50,000 during the period of insurnce, for incresed metered wter chrges you hve to py fter wter escpes, which gives rise to clim we ccept under Section One. more thn 50,000 for wter lek outside the home if you clim for loss under Sections One nd Two, we will not py more thn 50,000 in totl during the period of insurnce. D Costs you hve to py to restore your grden following loss or dmge y fire, lightening, explosion, erthquke, ircrft nd other flying devices, theft or ttempted theft, or dmge cused y mlicious people or the emergency services. for more thn 2,500 for ny plnt, tree or shru. for more thn 10% of the uildings sum insured during the period of insurnce. E Anyone uying your home who will hve the enefit of Section One until the sle is completed or the insurnce ends, whichever is sooner. if the uildings re insured under ny other insurnce. 12 Septemer 2014

13 Section One Buildings (continued) Wht is covered. This section of the insurnce lso covers the following. Wht is not covered. We will not py F Expenses you hve to py nd which we hve greed in writing for 1 rchitects, surveyors, consulting engineers, lnd gents nd legl fees; 2 the cost of removing deris nd mking the uilding sfe; nd 3 costs you hve to py to keep to ny government or locl uthority requirements for ny expenses for prepring clim or n estimte of loss or dmge; or for ny costs if government or locl uthority requirements hve een served on you efore the loss or dmge. following loss or dmge to the uildings which is covered under Section One. G Up to 25% of the uildings sum insured for ny one clim for loss or dmge to new fixtures nd fittings, fitted furniture nd fitted pplinces within the home which re witing to e instlled, s long s you let us know within 21 dys of delivery. for ny loss or dmge cused while instlling the fixtures nd fittings; or for property left in the open. H 1 Up to 15,000 in ny one period of insurnce towrds the cost of upgrding your lrm nd security systems following physicl criminl ssult on you t the home. for ny cost unless you otin our greement first; or following ny domestic disputes. I J K 2 In ddition, we will lso py up to 2,500 for professionl privte counselling fees following physicl criminl ssult on you t the home. Up to 25,000 in ny one period of insurnce towrds essentil ltertions to the home following n identifile, permnent physicl injury to you cused y sudden nd unexpected ccident hppening within the home. Up to 10% of the uildings sum insured following loss or dmge tht is covered under Section One in ny one period of insurnce to permnent fixtures removed from the uildings for up to 60 dys for repir, restortion or sfekeeping. Up to 2,500 towrds the cost of repiring your home s result of loss or dmge following forcile entry to your home to ttend medicl emergency. for ny cost unless you otin our greement first. for loss or dmge of ny item of fixtures eing trnsported unless it is suitly pcked nd secured, given the nture of the item nd how it is eing trnsported. for ny mount over 50,000. 13 Septemer 2014

14 Conditions tht pply to Section One Buildings only Settling clims How we del with your clim 1 If your clim for loss or dmge is covered under Section One, we will py the full cost of the repir s long s the uildings were in good stte of repir immeditely efore the loss or dmge; nd the dmge hs een repired or loss hs een reinstted. We will tke n mount off for wer nd ter from the cost of ny replcement or repir if immeditely efore the loss or dmge the uildings were not in good repir. 2 Where you hve professionl vlution for your home, completed within the lst five yers, tht we hve seen nd pproved nd the sums insured reflect this, tking into considertion n mount for index linking, we will py for the cost of reuilding or repiring dmge tht is covered under this insurnce. We will only do this if you tell us out ny dditions, ltertions or improvements you hve mde since the vlution ws crried out nd you hve mended the sum insured to tke into ccount ny such dditions, ltertions or improvements. We will not offer this cover if your home is grde 1 or grde A listed. 3 In the event the uildings of your home re dmged eyond economicl repir, nd permission to reuild is refused y your locl uthority, we gree to py up to 125% of the reuilding cost of your home to help you purchse similr property in the sme re, suject to the sum insured shown in your schedule corresponding to professionl vlution, completed within the lst five yers, tht we hve seen nd pproved. If loss is pid under this insurnce, you will ssign ll title to the premises to us nd py us, in ddition, ll monies you my receive s slvge. 4 We will deduct the pplicle excess from the greed settlement of your clim s shown on pge 7. Your sum insured 5 We will not reduce the sum insured under Section One fter we hve pid clim s long s you gree to crry out our recommendtions to prevent further loss or dmge. Limit of insurnce 6 We will not py more thn the sum insured for ech premises shown in the schedule other thn in ccordnce with condition 2 nd 3 ove. 14 Septemer 2014

15 Section Two Contents Plese red your schedule to see if this section pplies. Wht is covered. This insurnce covers the contents for loss or dmge while t the home nd, s long s these re not lredy insured, while they re temporrily wy from the home nywhere in the world. Wht is not covered. We will not py for loss or dmge directly or indirectly cused y or rising from 1 conversions, extensions or other structurl work to the uildings or ny works involving the use or ppliction of het; 2 moth, vermin, wer nd ter, infesttion, corrosion, dmp, wet or dry rot, mould or frost or nything which hppens grdully; 3 misuse or fulty design, workmnship or mterils; 4 dryness, dmpness, extremes of temperture or exposure to light; 5 your domestic nimls chewing, scrtching, tering or fouling; 6 dyeing, clening, repiring, renovting, restortion or eing worked on; or 7 pollution or contmintion of ny kind. c d for the cost of generl mintennce. for loss or dmge cused y mechnicl or electricl fults or rekdown. for loss or dmge cused y susidence or heve of the site upon which the uildings stnd or lndslip 1 to solid floors, unless the wlls of the privte dwelling re dmged t the sme time y the sme event; 2 if compenstion hs een provided (or would hve een, if it wsn t for this insurnce), under ny contrct or gurntee or y lw; 3 while the uildings re undergoing ny demolition, ltertion, extension or repirs; 4 due to fulty design, workmnship or mterils; or 5 s result of the cost or rivernk wering wy. e for loss or dmge which we specificlly exclude elsewhere under Section Two. f for loss or dmge to ny item eing trnsported, unless it is suitly pcked nd secured, given the nture of the item nd how it is trnsported. 15 Septemer 2014

16 Section Two Contents (continued) Wht is covered. This section of the insurnce lso covers the following. Wht is not covered. We will not py A B C Accidentl rekge of 1 fixed glss nd doule glzing; nd 2 snitry wre forming prt of the uildings which you re leglly responsile for s tennt nd do not hve other insurnce for. Rent you hve to py s occupier if the uildings cnnot e lived in following loss or dmge tht is covered under Section Two. The extr costs of using other ccommodtion for you nd your domestic nimls, s similr to your existing ccommodtion s possile, which you hve to py for if the uildings cnnot e lived in following loss or dmge tht is covered under Section Two. rent for more thn 60 months. for the extr costs of other ccommodtion for more thn 60 months. If you clim for costs of other ccommodtion under Sections One nd Two, we will not py for costs of other ccommodtion for period of more thn 60 months in totl. D You for your incresed cost of crrying on your home office usiness cused only nd directly y the following. Loss or dmge to your uildings or usiness contents which is covered under this insurnce; or ccidentl filure in the supply of gs, wter, electricity or telephone service to your home for more thn 72 consecutive hours during the period of insurnce. Cover will strt from the dte on which the loss or dmge hppens or the service interruption strts. It will continue until you re le to strt work t your home gin ut no longer thn 12 months. The mount we py will e the extr necessry nd resonle costs you hve to py to continue your home office usiness, less ny svings which result from the reduced costs nd expenses during the time your work is interrupted. for ny mount over 25,000; or for ny incresed cost of crrying on your home office usiness directly or indirectly cused y or resulting from n ct of terrorism. E Your legl responsiility s tennt for loss or dmge to the uildings cused y loss or dmge tht is covered under Section Two.. for ny mount over 1,000,000.. for loss or dmge cused y fire, lightning or explosion to the uildings other thn to the lndlords fixtures nd fittings. c. for loss or dmge rising from susidence, heve or lndslip. 16 Septemer 2014

17 Section Two Contents (continued) Wht is covered. This section of the insurnce lso covers the following. Wht is not covered. We will not py F Up to 25,000 during the period of insurnce for wedding, nniversry, irthdy, religious or other celertion gifts ought y you ut not yet given (or which hve een ought for you). for loss or dmge which we specificlly exclude elsewhere under Section Two. G H Up to 25% of the contents sum insured for new items you hve ought ut which you hve not told us out yet. Ftl injury to you cused y fire t the premises or ssult elsewhere within the United Kingdom provided tht deth ensues within twelve months of injury. We will py 1 125,000 for ech insured person over 16 yers; nd 2 5,000 for ech person under 16 yers t the time of their deth for loss or dmge which we specificlly exclude elsewhere under Section Two. fter 60 dys of uying the item if you hve not told us out doing so. I J K L M N O Costs you hve to py for replcing locks to sfes, lrms nd outside doors nd windows in the home following theft or loss of keys. Up to 50,000, during the period of insurnce, for incresed metered wter chrges you hve to py fter wter escpes, which gives rise to clim we ccept under Section Two. Personl property of guests up to 5,000 for ech person nd personl property of domestic stff (who do not live in the property) up to 2,500 for ech person. Up to 30,000 during the period of insurnce, for loss or dmge to mrquees nd ssocited equipment, which re eing temporrily loned to you nd for which you re responsile, while t the premises Up to 7,500 during the period of insurnce, for loss or dmge to the elongings of your prents or grndprents who re living in residentil nursing or cre home. Up to mximum of 25,000 rnsom if you re the victim of kidnp during the period of insurnce. Contents of your refrigertor nd or freezer cused y their ccidentl filure. if you clim for loss under Sections One nd Two, more thn 50,000 in totl during the period of insurnce. c c for losses which hppen wy from the premises. for loss or dmge which we specificlly exclude elsewhere under Section Two. more thn 750 for ny one item. if there is ny other insurnce in plce. for loss or dmge which we specificlly exclude elsewhere under Section Two. if you fil to keep to the mnufctures or owners writte instructions. for ny mount over 1,000 for vlules. for money nd credit crds. For kidnp expenses incurred due to ny kidnp nd rnsom occurrence cused y you, fmily memer or covered reltive, whether cting lone or in collusion with others. for loss or dmge which we specificlly exclude elsewhere under Section Two. P Contents elonging to permnent memers of the home whilst temporrily wy in full time edidction. c d for loss dmge or liility in the United Sttes of Americ or Cnd. for loss or dmge we specificlly exclude elsewhere under Section Two. for money or credit crds. if there is ny other insurnce in plce. 17 Septemer 2014

18 Conditions tht pply to Section Two Contents only Settling clims How we del with your clim 1 If you clim for loss or dmge to the contents, we will repir, replce or py for ny item covered under Section Two. 2 Where you hve professionl vlution, crried out within the lst three yers, which hs een pproved y us nd the sums insured reflect this, tking into considertion n mount for index linking, we will py the cost of replcement or repir for dmge up to 150% of the sum insured mentioned within the vlution. 3 We will deduct the pplicle excess from the greed settlement of your clim s shown on pge 7. Your sum insured 4 We will not reduce the sum insured under Section Two fter we hve pid clim s long s you gree to crry out our recommendtions to prevent further loss or dmge. Limit of insurnce 5 We will not py ny more thn the sum insured for ech premises shown in the schedule other thn in ccordnce with condition 2 ove. 18 Septemer 2014

19 Section Three Accidents to domestic stff Plese red your schedule to see if this section pplies. This Section pplies only if the contents re insured under Section Two. Wht is covered. We will py for mounts you ecome leglly lile to py, including costs nd expenses which we hve greed in writing, for odily injury y ccident hppening during the period of insurnce nywhere in the world to your domestic stff employed in connection with the premises shown in the schedule. Wht is not covered. We will not py for odily injury rising directly or indirectly from ny motorised or horse-drwn vehicle other thn domestic grden equipment used within the premises; nd pedestrin-controlled grden equipment, electric wheelchirs or items designed for child s use whilst elsewhere. c from ny communicle disese or condition. in Cnd or the United Sttes of Americ fter the totl period of sty in either or oth countries hve exceeded 60 dys in the period of insurnce. Limit of insurnce We will not py more thn 10,000,000 for ny ccident or series of ccidents rising out of ny one event, plus the costs nd expenses which we hve greed to in writing. 19 Septemer 2014

20 Section Four Legl liility to the pulic Plese red your schedule to see if this section pplies. Prt A Prt A of this section pplies in the following wy. If the uildings only re insured, your legl liility s owner only ut not s occupier is covered under Prt A i elow. If the contents only re insured, your legl liility s occupier only ut not s owner is covered under Prt A i nd Prt A ii elow. If the uildings nd contents re insured, your legl liility s owner or occupier is covered under Prt A i nd Prt A ii elow. Wht is covered. We will py you Wht is not covered. We will not py you for ny liility i OR ii s owner or occupier for ny mounts you ecome leglly lile to py s dmges for odily injury; or dmge to property cused y n ccident hppening t the premises during the period of insurnce. s privte individul for ny mounts you ecome leglly lile to py s dmges for odily injury; or dmge to property c d for odily injury to 1 you; 2 ny other permnent memer of the home; or 3 ny person who t the time of sustining such injury is engged in your service. for odily injury rising directly or indirectly from ny communicle disese or condition. for dmge to property owned y or in the chrge or control of 1 you; 2 ny other permnent memer of the home; or 3 ny person engged in your service. in Cnd or the United Sttes of Americ fter the totl period of sty in either or oth countries hve exceeded 60 dy in the period of insurnce. cused y n ccident hppening nywhere in the world during the period of insurnce. e rising directly or indirectly out of ny mnul usiness or employment other thn incidentl frming. f which you hve ssumed under contrct nd which would not otherwise hve ttched. g rising out of ny criminl cts. 20 Septemer 2014

21 Section Four Legl liility to the pulic (continued) Prt A Wht is covered. Wht is not covered We will not py for ny liility h i j k l rising out of your ownership, possession or use of 1 ny motorised vehicle other thn qudikes, golf uggies, domestic grdening equipment, motorised wheelchirs or moility scooters nd motorcycles under 51cc provided tht you, or someone cting with your permission, re not using them on ny pulic rod where the Rod Trffic Act or similr legisltion sys you must insure them. For the vehicles listed in the exception we will not py more thn 5,000,000 for ny one ccident or series of ccidents rising out of ny event, plus the costs nd expenses which we hve greed in writing. 2 ny ircrft or wtercrft other thn mnully operted rowing ots, punts or cnoes, silords or dinghies under 15 feet. 3 ny niml other thn incidentl frming livestock or horse or domestic pet, provided such pet is not dog treted s dngerous under the Dngerous Dogs Act 1991 or similr legisltion. 4 ny power operted lift. in respect of ny kind of pollution or contmintion other thn 1 cused y sudden, identified ccident which hppens in it s entirety t specific moment of time during the period of insurnce t the premises nmed in the schedule; nd 2 reported to us not lter thn 30 dys from the end of the period of insurnce in which cse ll such pollution or contmintion rising out of such ccident shll e deemed to hve hppened t the time of such ccident. rising out of your ownership, occuption, possession or use of ny lnd or uilding tht is not within the premises. if you re entitled to indemnity under ny other insurnce, including ut not limited to ny horse or trvel insurnce, until such insurnce(s) is exhusted. rising out of ny goods or products designed, constructed, mnufctured, ltered, repired, serviced, treted, sold, supplied or distriuted y you. 21 Septemer 2014

22 Section Four Legl liility to the pulic (continued) Prt B Wht is covered. Wht is not covered. We will py for sums which you hve een wrded y court in the United Kingdom nd which still remin outstnding three months fter the wrd hs een mde provided tht 1 Prt A ii of this section would hve pid you hd the wrd een mde ginst you rther thn to you; 2 there is no ppel pending; nd 3 you gree to llow us to enforce ny right which we shll ecome entitled to upon mking pyment. Prt C Wht is covered. We will py for Wht is not covered. We will not py ny mount you ecome leglly lile to py under section 3 of the Defective Premises Act 1972 or Article 5 of the Defective Premises (Northern Irelnd) Order 1975 in connection with ny home previously owned nd occupied y you. for ny liility if you re entitled to pyment under ny other insurnce. for the cost of repiring ny fult or lleged fult. Limit of insurnce We will not py in respect of pollution or contmintion. More thn 10,000,000 in ll. in respect of other liility covered under Section Four. More thn 10,000,000 for ny one ccident or series of ccidents rising out of ny one event, plus the costs nd expenses which we hve greed in writing, other thn under Prt B where we will not py more thn 5,000,000 ny one event. 22 Septemer 2014

23 Section Five Vlules, ntiques nd works of rt, gold nd silver Plese red your schedule to see if this section pplies Wht is covered. Wht is not covered. This section of the insurnce covers the following. We will not py A B Vlules listed in the schedule (or specifiction ttched) ginst loss or dmge nywhere in the world; 1 ntiques nd works of rt listed in the schedule (or specifiction ttched); nd 2 gold nd silver listed in the schedule (or specifiction ttched) ginst loss or dmge within the home nd, s long s these re not lredy insured, while they re temporrily wy from the home nywhere in the world. c d e for loss or dmge directly or indirectly cused y or rising from 1 moth, vermin, wer nd ter, infesttion, corrosion, dmp, wet or dry rot, mould or frost or nything which hppens grdully; 2 misuse or fulty design, workmnship or mterils; 3 dryness, dmpness, extremes of temperture or exposure to light; 4 your domestic nimls chewing, scrtching, tering or fouling; 5 dyeing, clening, repiring, renovting, restortion or eing worked on; or 6 pollution or contmintion of ny kind. for loss or dmge cused y mechnicl or electricl fults or rekdown. for loss or dmge to ny item eing trnsported unless it is suitly pcked nd secured, given the nture of the item nd how it is eing trnsported. more thn 15,000 in respect of ny one item of vlules or gold nd silver unless otherwise stted in the schedule. more thn 30,000 in respect of ny one item of ntiques nd works of rt unless otherwise stted in the schedule. 23 Septemer 2014

24 Section Five Vlules, ntiques nd works of rt, gold nd silver (continued) Wht is covered. Wht is not covered. We will not py This section of the insurnce lso covers the following. A We will cover new items you hve ought ut which you hve not told us out yet. c for loss or dmge which we specificlly exclude elsewhere under Section Five. more thn 25% of the sum insured under this section for vlules, gold nd silver nd ntiques nd works of rt. fter 60 dys of purchse if you hve not told us out uying the item. B We will utomticlly increse the insured vlue of ny item listed in the specifiction for works of rt y up to 200% if the rtist dies during the period of insurnce. We will only do this for the 6 months immeditely following the deth of tht rtist. c more thn 100,000 in totl during ny one period of insurnce. for loss or dmge which we specificlly exclude elsewhere under Section Five. if you re unle to provide professionl vlution or purchse receipt nd proof of incresed vlue which is less thn three yers old t the time of ny loss or dmge. C If during the period of insurnce, someone clims tht ny item listed in the specifiction for ntiques nd works of rt is not rightfully yours nd you re leglly oliged to return the item to its rightful owner ecuse it is proved tht you do not hve good title to it, we will py you the mount you pid for it or the vlue shown in the specifiction if this is less. c d more thn 100,000 in totl during ny one period of insurnce. unless you prove tht you mde enquiries out where the item cme from efore you ought it. unless you ought the item during the period tht the ntiques nd works of rt hve een insured with us. unless you told us out clim during the period of insurnce. D Where your schedule sttes tht vlules re insured in your nk, we gree to cover them up to mximum of 50,000 for loss or dmge whilst temporrily removed from your nk or sfe deposit for up to 30 dys in ny one period of insurnce without our prior greement. for loss or dmge 1 unless you hve professionlly instlled sfe t the home; or 2 unless items re worn, in your custody nd control or in the sme room s you, t the time tht loss or dmge tkes plce. 24 Septemer 2014

25 Conditions tht pply to Section Five Vlules, ntiques nd works of rt, gold nd silver only How we del with your clim 1 Vlules We will repir replce or py for ny item tht is lost or dmged. Where you hve professionl vlution, crried out within the lst three yers, which hs een pproved y us for specified item (nd which is specified for the correct vlue), we will py the cost or replcement or repiring ny dmge up to 150% of the item s specified vlue. 2 Gold nd silver, ntiques nd works of rt In the event of prtil loss or dmge, we will py ll costs nd expenses you hve necessrily incurred, with our consent, in restoring the item(s) dmged plus ny resulting deprecition in vlue ut not more thn the sum insured for the dmged item(s). In the event of totl loss or destruction of item(s), we will py the sum insured for such item(s) or their mrket vlue t the time of loss, whichever is the less. Where you hve professionl vlution, crried out within the lst three yers, which hs een pproved y us for specified item (nd which is specified for the correct vlue), we will py the cost of replcement or repiring ny dmge up to 150% of the item s specified vlue. 3 Vlules, gold nd silver, ntiques nd works of rt If, following clim, you cn produce professionl vlution (not more thn five yers old) which hs een pproved y us, nd is dted prior to the loss, we will tret the sum insured s utomticlly greed. 4 We will deduct the pplicle excess from the greed settlement of your clim s shown on pge 7. Limit of insurnce 5 We will not py more thn the sum(s) insured shown in the schedule unless we gree otherwise. 25 Septemer 2014

26 Section Six Legl Expenses Plese red your schedule to see if this section pplies. Additionl definitions to this Section. The definitions pplying to the whole policy s stted in pges 3 to 5 shll include the following in respect of this section only. Collective conditionl fee greement Conditionl fee greement Dte of occurrence Employee Seprte greement etween us nd the nominted representtive for pying his or her professionl fees which is n enforcele conditionl fee greement within the mening of section 58, 58A, Courts nd Legl Services Act 1990, the formt nd contents of which hve een greed to y us efore it is entered into. Seprte greement etween you nd the nominted representtive for pying his or her professionl fees which is n enforcele conditionl fee greement within the mening of section 58, 58A, Courts nd Legl Services Act 1990, such greement only to e in the form provided y us. For clims involving criminl ct rought under insured incident 6, the dte when it is lleged you egn the criminl ct. For clims rought under insured incident 7, the dte tht you were first notified y HM Revenue & Customs tht n extensive exmintion is to tke plce. For ll other clims, the dte t which the cuse of ction first rose. A person employed y you to crry out domestic duties for your household. Geogrphicl limits 1 For insured incidents prgrphs 1 nd 2 the Europen Union, the Chnnel Islnds, the Isle of Mn, Alni, Andorr, Bosni-Herzegovin, Croti, Girltr, Icelnd, Liechtenstein, Mcedoni, Monco, Montenegro, Norwy, Sn Mrino, Seri, Switzerlnd nd Turkey (west of the Bosphorus). 2 For insured incidents not referred to in 1 ove - the United Kingdom. Goods Legl dvice service Contents s descried in the definitions pplying to the whole policy document. Legl dvice service provided on our ehlf which my e contcted y telephoning the numer t the end of this section. 26 Septemer 2014

27 Section Six Legl expenses (continued) Professionl fees Nominted representtive Your vehicle The fees, costs, disursements nd other professionl chrges which we hve greed to fund 1 resonly nd necessrily incurred y nominted representtive; nd 2 incurred y other prties in civil cses if you hve een ordered to py them or py them with our written greement. Solicitor, clims negotitor, ccountnt or other suitly qulified person ppointed in ccordnce with the terms of this section. Any motor cr or motor cycle owned y you. Wht is covered. We will py professionl fees rising from ny insured incident descried elow, provided tht i we will not py under this section in respect of ny one clim more thn 250,000; ii the limit ny one clim stted in prgrph i ove will not pply if more specific limit is stted in n insured incident; iii the suject of the clim occurred within the geogrphicl limits nd the dte of occurrence ws within the period of insurnce; nd iv we will not py for more thn three clims in ny one period of insurnce. Wht is not covered. We will not py Insured incidents 1 Personl injury Your deth or odily injury cused y specific, sudden nd unforeseen event for which nother person or entity is responsile. 1 for ny clim rising from stress, psychologicl or emotionl injury; rising from ny deth or odily injury tht is cused grdully or is not cused y specific event; or c involving motor vehicle owned y you or for which you re leglly responsile. 2 Consumer contrcts Disputes rising out of ny contrct or lleged contrct entered into y you for the purchse or hire of goods or services for privte use, the sle or supply of privtely owned goods y you or the sle or purchse of your home, provided tht the contrct or lleged contrct ws entered into fter you first purchsed this insurnce; nd where the sle, purchse or hire hs een effected on the internet, ll dispute resolution procedures fforded to sellers, purchsers or hirers y the relevnt wesite provider or uthority hve een exhusted. 2 for ny clim rising from ny works undertken y or under the order of ny government or pulic or locl uthority. if the mount in dispute is less thn 250. 27 Septemer 2014

28 Section Six Legl expenses (continued) Wht is covered. Wht is not covered. We will not py 3 Domestic property protection Disputes rising out of third prty s i lleged or ctul negligent ct or omission; or ii ny nuisnce, trespss or criminl dmge relting to your mteril property locted t the home which cuses physicl dmge or pecuniry loss; or the lndlord s filure to mintin your home. 3 for ny clim rising from oundry disputes which rise in the first 180 dys of this insurnce; where you re the lndlord of the home or re lesing, su-letting or renting-out ll or ny prt of the home for ny purpose; c rising from ny dispute with your lndlord regrding tenncy greement tht you hve entered into to rent the home; d relting to extending, ltering or renovting uildings or ny prt of them; e relting to susidence, heve, lndslip, mining or qurrying; f relting to plnning lw, including town nd country plnning legisltion; g rising from or involving motor vehicle owned y you or for which you re leglly responsile; or h relting to works undertken y or under the order of ny government or pulic or locl uthority. 4 Employment Disputes rising from or relting to your contrct of employment which cn exclusively e herd in n employment triunl (or its locl equivlent) within the United Kingdom. 4 for ny clim involving rech of contrct tht is lleged to hve commenced or to hve continued fter termintion of your employment; for n llegtion of less fvourle tretment etween men nd women relting to terms nd conditions of employment; or c for professionl fees where you re entitled to receive funding from trde union or other entity. 28 Septemer 2014

29 Section Six Legl expenses (continued) Wht is covered. 5 Employer defence Representing you t n employment triunl (or its locl equivlent) within the United Kingdom to defend n ction rought y n employee or ex-employee lleging unfir dismissl, provided tht in cses relting to dismissl of n employee or ex-employee or ny dispute with n employee or ex-employee or their representtive rising out of or relting to your employee s terms nd conditions of employment, you hve sought nd followed dvice from the legl dvice service efore tking ny ction nd therefter throughout the employment dispute. Wht is not covered. We will not py in cses relting to redundncy or lleged redundncy or unfir selection for redundncy, you hve sought nd followed the dvice of the legl dvice service efore serving notice of dismissl. c on the hppening of ny event or circumstnce tht could e construed s constructive dismissl, including your employee wlking out with or without notice or sence from work, you hve sought nd followed the dvice of the legl dvice service efore tking ny ction nd throughout your delings with the grievnce or complint. d in the event tht you receive from n employee forml or informl notifiction of grievnce or complint in respect of unlwful discrimintion on the grounds of sex, ge, rce, disility, religious elief or politicl opinion, you hve sought nd followed the dvice of the legl dvice service efore tking ny ction nd throughout your delings with the grievnce or complint. 6 Legl defence The defence of your legl rights if n event rising out of your work s n employee results in i ii your prosecution in criminl court; or civil ction tken ginst you under ny legisltion relting to unlwful discrimintion, dt protection or eing trustee of pension fund set up for the enefit of your fellow employees. 6 for ny clim for professionl fees where you re entitled to grnt of legl id from the Legl Services Commission or where funding is ville from nother pulic ody, trde union or employer; for the defence of criminl prosecutions lleging dishonesty or delierte violence; c relting to prking offences; or d for prosecution rising from driving under the influence of lcohol or non-prescried drugs; 29 Septemer 2014

30 Section Six Legl expenses (continued) Wht is covered. results in your prosecution in connection with n offence connected with the use or driving of motor vehicle. 7 HM Revenue & Customs An extensive exmintion of you y HM Revenue & Customs following n enquiry under Section 9A of the Txes Mngement Act 1970 into your PAYE income or gins into your personl tx ffirs, provided tht you hve sumitted proper, complete nd truthful returns together with ny dditionl informtion HM Revenue & Customs resonly requires y the due dte without pyment of penlty. 8 School dmission disputes An ppel ginst the decision of your Locl Eduction Authority (LEA) rising out of its filure to conform with its pulished dmission policy which leds to ny of your children permnently residing with you eing refused entry t the stte school of your choice. 9 Prote The pursuit of clim y you in respect of prote dispute involving the vlid will of your prents, grndprents, children, step-children or leglly dopted children where you re contesting the will s eneficiry or potentil future eneficiry. Wht is not covered. We will not py e relting to the driving or use of motor vehicle y you for which you do not hve vlid motor insurnce; or f where you re insured y more specific insurnce policy. 7 for ny clim where the Specil Complince Officer is investigting your personl tx ffirs; or for expenditure incurred fter you receive notice tht the enquiry hs een completed. 8 for ny clim rising where n entrnce exmintion or other selection criteri re prt of the cceptnce criteri; involving non-stte schools where the LEA hve no jurisdiction over plcement; c where you hve not previously sumitted n ppliction to either the school or the LEA; d where you hve not dhered to the pproprite ppel procedure; e where your child hs een suspended, expelled or permnently excluded from nother school; or f where your child is under 5 yers old during the cdemic yer in which the dmission dispute rises. 9 for ny clim rising from ny dispute if vlid finl will hs not een mde or concluded or cnnot e trced. 10 Motor insurnce dtse disputes Representtion of your legl rights in respect of dispute with the police or other government gency in the event tht your vehicle is seized following filure in communictions etween your motor insurer nd the Motor Insurnce Dtse resulting in incorrect informtion out you or your vehicle eing recorded on tht dtse. 30 Septemer 2014

31 Section Six Legl expenses (continued) Wht is covered. Wht is not covered. We will not py 11 Identity theft In the event tht you ecome the victim of identity theft, the situtions descried in prgrphs to c elow. To del with orgnistions tht hve een frudulently pplied to for credit, goods or services in your nme or which re seeking or hve sought monies from you s result of identity theft. To liise with credit referencing gencies nd ll other relevnt orgnistions on your ehlf to dvise tht you hve een the victim of identity theft. c To defend your legl rights or tke resonle mesures to remove County Court Judgments ginst you tht hve een otined y n orgnistion tht you hve lleged to hve purchsed, hired or lesed goods or services from s the result of n identity theft. For the purpose of this dditionl cover, identity theft mens someone or group of people knowingly using mens of identifiction elonging to you without your knowledge or uthoristion nd with the intention of committing or helping someone else to commit n illegl ct. An ct or series of cts ginst one of you y one person or group of people is considered to e one identity frud. You must gree to e dded to the CIFAS Protection Register if we recommend it. 12 Vehicle identity theft Defending civil or criminl legl proceedings rising from the frudulent use of your vehicle s identity y nother person or entity without your permission. 13 Eviction of squtters Pursunce of your legl rights to secure the eviction of squtters from the premises. 11 12 13 for ny clim for identity theft connected with your usiness, profession or occuption; if you filed to tke resonle precutions to protect yourself ginst identity frud; c where the persons responsile re memers of your fmily or ny person living with you; d rising from loss of csh from nk, uilding society, credit union or similr finncil institution hs filed to py for the loss; or e for more thn 50,000 for ny one identity theft. for ny clim if you filed to tke resonle precutions to protect yourself ginst the frudulent use of your vehicle s identity; or where the person(s) responsile re memers of your fmily or ny person living with you. for ny clim resulting from the occuption of the premises y squtters efore the inception of this insurnce; or for more thn 25,000 ny one clim. 31 Septemer 2014

32 Section Six Legl expenses only We will not py for the following. 1 Trde, usiness, profession or occuption A clim rising from or connected with ny trde, usiness, profession or occuption crried out y you. 2 Liel or slnder Any clim relting to written or verl remrks. 3 Delierte, reckless, dishonest, violent or criminl cts Any clim relting to cuse of ction intentionlly or recklessly rought out y you; or ny criminl ct y you other thn s referred to in insured incidents 6 nd 12 of this section. 4 Previous knowledge Any clim of which you were wre, or ought to hve een wre, efore the inception of this section. 5 Professionl fees not greed Professionl fees incurred efore we hve greed to py them. where you i pursue or defend cse without our greement or in different mnner to or ginst our dvice or tht of the nominted representtive; or ii fil to give proper instructions in due time to us, to the nominted representtive or to counsel or other persons instructed y us or the nominted representtive. c where the nominted representtive resonly refuses to ct on your ehlf, unless we gree to ppoint nother nominted representtive. d in respect of witnesses, experts or gents interviewed, engged or clled s witness efore receiving our written pprovl; e efore the issue of forml legl proceedings, unless y wy of pre ction protocol pproved y us. f for dverse costs wrds mde ginst you, pursunt to section 22, Employment Act 2002 including, without limittion, efore the expiry of ny pplicle ACAS discussion period. 6 Dely nd prejudicil cts Where you, in our resonle opinion, ct in mnner which is prejudicil to the cse, including eing responsile for ny unresonle dely, withdrwing instructions from the nominted representtive or withdrwing from the cse. 7 Other insurnces For professionl fees which cn e recovered y you under ny other insurnce or which would hve een covered if this insurnce did not exist, except for ny mount in excess of tht which would hve een pyle under such insurnce(s). 8 Fines nd penlties For fines, dmges or other penlties which you re ordered to py y court or other uthority. 9 Disgreement Any clim relting to dispute with the nominted representtive or us. 10 Judicil review Any clim relting to judicil review. 32 Septemer 2014

33 Section Six Legl expenses only (continued) 11 Bnkruptcy When you re nkrupt, in liquidtion, hve mde n rrngement with your creditors, hve entered into Deed of Arrngement or prt or ll of your ffirs or property re in the cre or control of receiver or n dministrtor. 12 Intellectul property Any clim relting to disputes involving copyright(s), trdemrk(s), merchndise mrk(s), registered or unregistered design(s) or other intellectul property rights or secrecy nd confidentility greements. 13 Brekdown of mrrige or custody Any clim relting to ny dispute tht you my personlly hve rising from or relting to the rekdown of mrrige or qusi mritl reltionship or custody mtters. 14 Medicl tretment Any clim rising from medicl, dentl or clinicl tretment, dvice, ssistnce or cre. 15 Lesehold vlution triunl Any dispute tht is or could e determined y lesehold vlution triunl. Conditions tht pply to Section Six Legl expenses only 1 Your responsiilities You must tke ll resonle steps to minimise the mount pyle under this insurnce; tke ll resonle steps to resolve ny dispute tht my otherwise give rise to clim, y wy of negotition, medition or ny other ville lterntive dispute resolution procedure; c provide us with such informtion regrding your clim s we my resonly require; nd d notify us s soon s is resonly possile of ny circumstnces which my give rise to clim. 2 Nominted representtive c d e f In the event of the commencement of legl proceedings or there is conflict of interest, you hve the right to choose your own nominted representtive. You must send us the nme nd ddress of such person efore the commencement of ny legl proceedings. Otherwise, we cn represent your interests nd negotite your clim directly or through nominted representtive t our entire discretion. If we choose to refer your clim to nominted representtive, we shll confirm this in writing to you nd explin in more detil the work it will undertke. When nominted representtive is ppointed in ccordnce with prgrphs or ove, we will send them copy of our stndrd terms of ppointment, which must e ccepted y the nominted representtive efore commencing ny work for you. In regrds to clims in respect of deth or odily injury, the nominted representtive must hve signed either collective conditionl fee greement or conditionl fee greement with us. We will hve direct contct with the nominted representtive. You must cooperte fully with us nd the nominted representtive nd must keep us up to dte with the progress of the clim. You must give the nominted representtive ny instructions tht we require. 33 Septemer 2014

34 Section Six Legl expenses only (continued) 3 Control of the clim You must, t your own cost, provide the nominted representtive with ll informtion, evidence nd documents relting to the clim when requested to do so nd you must meet with the nominted representtive when resonly requested to do so. You must keep the nominted representtive regulrly informed of ll developments, co-operte fully in ll respects nd immeditely pss on ll correspondence relting to your clim, unnswered. c We must hve direct ccess to the nominted representtive t ll times. You will provide us with ll informtion, evidence, legl dvice nd documents relting to the legl proceedings in your possession or custody or tht of the nominted representtive upon our request. d You must give the nominted representtive ny instructions we require you to give without dely. 4 Acceptnce of clim nd right to refuse pyment We my refuse to ccept clim or to continue to mke pyment to you where in our opinion i you hve not disclosed ll mteril informtion. ii you hve filed to provide us or the nominted representtive with ny relevnt informtion or supporting evidence. iii your clim does not hve ny resonle prospects of success or tht there re resonle prospects of recovery from the other prty. in the nominted representtive s opinion, your clim does not hve resonle prospects of success or tht there re resonle prospects of recovery from the other prty. If we refuse to ccept clim or to continue to mke pyment to you, we shll give the reson(s) to you in writing. 5 Resonle grounds We my, t ny time, require you to otin, t your expense, n opinion from counsel s to the merits of your clim. Pyment will e mde under this insurnce, suject to the limit pplicle to the clim, to include the cost of otining the opinion only if counsel s opinion clerly demonstrtes tht there re resonle grounds for pursuit or defence of your clim. In ll cses, the onus will e on you to demonstrte to the nominted representtive, or to our own dvisers or counsel (s pproprite) tht such resonle grounds s referred to ove exist. Your costs of investigtion nd other professionl fees relting to your seeking to prove tht such resonle grounds do exist re not covered under this insurnce. 6 Pyment under this insurnce You must inform us of ny offer to settle your clim. No settlement offer my e ccepted without our consent. If ny offer to settle the clim is not ccepted y you which exceeds the totl dmges (including ny interest) eventully eventully recovered y you, we will hve no liility in respect of professionl fees incurred fter such refusl, unless we hve given our written consent to the rejection of the offer. c We my, t our sole discretion, elect to py you the mount of dmges climed insted of incurring professionl fees to stisfy our liility under this section. d Following receipt of the relevnt ccounts, orders or wrd of court or triunl for professionl fees to e pid under this section, pyment will e mde direct to the nominted representtive, to the other prty s professionl fees legl representtive or to such other prty s is pproprite ccording to the terms of ny order or wrd of the court or triunl. e If you withdrw from the legl proceedings without our greement, cover will cese immeditely nd we shll e entitled to e reimursed for ny professionl fees previously greed or pid to you, or on your ehlf, in respect of such legl proceedings. 7 Recoveries We cn tke legl proceedings in your nme, t our enefit, to recover ny pyment mde under this insurnce to nyone else. If you recover ny professionl fees previously pid under this insurnce from ny other prty, such professionl fees must e immeditely repid to us. 34 Septemer 2014

35 Section Six Legl expenses only (continued) Legl dvice service This service must e contcted y you for dvice in connection with insured incident 5 Employer defence of this section. This service is ville 24 hours per dy seven dys week during the period of insurnce. To help check nd improve service stndrds your cll my e recorded. To contct the legl dvice service, telephone 0800 0281674 quoting Mrkhm Privte Clients Home Insurnce nd your Mrkhm Privte Clients Home Insurnce policy numer. How to mke clim Potentil clims should e notified to us s soon s possile y using the contct detils noted elow. After the clim is ccepted, the mtter my e referred to suitly qulified nd experienced professionl person for dvice nd suggested pproprite further ction. Telephone No: 0800 0281675 nd quote Mrkhm Privte Clients Home Insurnce nd your policy numer. 35 Septemer 2014

36 Section Seven Helplines Plese red your schedule to see if this sections pplies The services under this section re ville to you t ny time of the dy or night, every dy of the yer during the period of insurnce. 1 Domestic emergencies A B C Domestic ssistnce This will provide referrl service to pproprite trdesmen needed when there is n emergency t your home. The service cters for prolems such s urst pipes, floods, storm dmge, fire of rek-in nd similr emergencies. Whilst ll resonle cre is tken in the selection of trdesmen, we cnnot ccept legl responsiility for ny consequences resulting from the use of domestic ssistnce. Home ssistnce Following n emergency ssistnce cn e rrnged, such s helping you to run the household following personl injury y finding crers, housekeepers, vets, kennels nd similr ssistnce. Childcre ssistnce Arrngements cn e mde for your children to e looked fter in n emergency, such s you hving to leve them t your home unexpectedly or your usul childminder eing tken ill. You re responsile for pying ll fees nd chrges of the persons who provide you with the ssistnce referred to ove. However, when you hve used the domestic ssistnce service following loss or dmge to your home, it is possile tht the cost of work crried out my e climed under this policy if cused y n insured risk. Plese do not use the helpline to identify insured risks or mke clims. If you re unsure out wht risks you re insured for, plese contct your roker or insurnce dviser or us. 2 Medicl informtion nd counselling A Medicl informtion Informtion cn e provided over the phone on generl helth issues nd non-dignostic dvice on medicl mtters, such s llergies nd recommended inocultions when going rod to certin territories. B Counselling A confidentil counselling service will e provided over the phone, including ssistnce on how to contct pproprite voluntry or professionl services. 3 Legl nd tx dvice A Legl dvice Confidentil legl dvice for ny of your personl legl prolems under the lws of the Europen Union, the Isle of Mn, the Chnnel Islnds, Norwy nd Switzerlnd. B Tx dvice Confidentil tx dvice over the phone. For the helplines descried ove, plese cll 0800 0281674 nd quote Mrkhm Privte Clients Home Insurnce nd stte your Mrkhm Privte Clients Home Insurnce policy numer. The service is restricted to dvice, informtion or ssistnce given on the telephone nd there is no limit to the numer of times it my e used. In order to check nd improve service stndrds, your cll my e recorded. 36 Septemer 2014

37 Section Eight Home emergency Plese red your schedule to see if this section pplies. Additionl definitions to this section. The definitions pplying to the whole policy s stted in pges 3 to 5 of this policy shll include the following in respect of this section only. Geogrphicl limits Home emergency Min heting system Pluming nd dringe The minlnd of Gret Britin, the Isle of Wight nd Northern Irelnd. Sudden nd unforeseen event necessitting immedite corrective ction to 1 prevent loss of or dmge to your home; 2 to mke your home sfe or secure; or 3 reduce or prevent exposure of risk to your helth or llevite unresonle discomfort. The min domestic hot wter or centrl heting system in your home including pipes which connect components of the system, ut not cold wter supply or dringe pipes or ny work involving solr heting instlltion. The cold wter supply nd dringe system within the oundry of your home nd for which you re leglly responsile other thn pipes 1 which connect components of the heting system; or 2 for which your wter supply or sewerge compny re responsile. Wht is covered. In the event of home emergency rising from the incidents descried in prgrphs 1 to 7 elow, we will rrnge for trdesmn to visit your home to crry out temporry repir, or permnent repir if it cn e crried out during the sme visit nd would cost no more thn temporry repir. In ddition, we will py for the costs of home emergency insured y this section, provided tht our liility shll not exceed i the cll out chrge nd the cost of up to 2 hours lour; ii the cost of prts nd mterils up to mximum of 500 (including VAT); nd iii in ll the sum of 1,500 (including VAT). 1 Roof dmge Loss of or dmge to the roof of your home which results in or is likely to result in internl dmge. 2 Pluming nd dringe Sudden dmge to or lockge, rekge or flooding of the pluming nd dringe. 3 Min heting system Sudden filure to function of the min heting system. 37 Septemer 2014

38 Section Eight Home emergency (continued) 4 Domestic power supply Filure of the domestic electricity or gs supply, ut not the filure of the mins supply. 5 Toilet unit Impct dmge to or mechnicl filure of the toilet owl or cistern in your home, which results in complete loss of function. 6 Home security Dmge to or the filure of externl doors, windows or locks which compromises the security of your home. 7 Lost keys Loss of the only ville set of keys to your home if you cnnot replce them or gin norml ccess. Exclusions tht pply to Section Eight Home emergency only We will not py for the following. 1 Any norml dy-to-dy mintennce which you should crry out or py for (such s servicing of heting nd hot wter systems) or the replcement of prts tht tend to grdully wer out over period of time or need periodic ttention such s, ut not restricted to in respect of norml dy to dy domestic mintennce i urst of leking flexile hoses or leking wshing pplinces which re fitted with stop tp; ii slow seepge from joints or gskets which does not involve sudden escpe of wter; iii the results of hrd wter scling deposits; iv leking overflows; v lockge of soil or wste pipes from sinks, sins, idets, ths or showers; vi locked or misligned guttering; or vii flt or trpulin roofs. in connection with oiler or wrm ir unit i ir locks in the centrl heting piping; ii mlfunctioning of the centrl heting wll or room thermostts; iii centrl heting filure to light up fter summer shutdown; iv filure of the centrl heting pump; v filure of zone or chngeover vlves or energy mngement systems; vii replcement of ny oiler or wrm ir unit if repir or reinsttement is not possile due to the non-vilility of prts; viii ny costs rising s result of filure to service the oiler or wrm ir unit nnully or in ccordnce with the mnufcturers instructions; ix ny intermittent or reoccurring fult; x ny wter pressure djustments or filure cused through hrd wter scle or sludge; xi fuel lines including gs leks; xiii ny oiler or system noise; or xiv ny rditor vlves. 2 The cost of redecorting or cosmetic repirs to prts or equipment in your home. 38 Septemer 2014

39 Exclusions tht pply to Section Eight Home emergency (continued) 3 Any clim where your home hs een left unoccupied for 30 consecutive dys. 4 Any clim rising from your filure to comply with our instructions in respect of the ssistnce eing provided. 5 Any costs incurred efore you hve notified us of home emergency. 6 Clims rising from ny wilful or negligent ct or omission y you. 7 Any clim relting to the interruption, filure or disconnection of the mins electricity, mins gs or mins wter supply. 8 Any clim due to incorrect instlltion, repir or modifiction or design fult. 9 Any clim for equipment tht is still under gurntee or wrrnty from the mnufcturer, supplier or instller. 10 Any oiler or wrm ir unit tht is over 10 yers old or hs not een serviced nd mintined y professionl engineer for more thn 12 months. 11 Dmge cused y frost unless you hve tken resonle precutions to prevent such dmge, including ction to mintin temperture within your home of not less thn 15 degrees centigrde. 12 The mlfunction or lockge of septic tnks, cess pits or fuel tnks. 13 Dmge incurred in gining necessry ccess to or in reinstting the fric of your home. 14 Any clims rising out of susidence, lndslip or heve. 15 Any clim relted to your filure to purchse or provide sufficient gs, electricity or other fuel source. 16 Any costs incurred where our pproved contrctor hs ttended your home ut ws unle to gin ccess or otin permission to crry out the work; or no insured loss, dmge or fult ws found. 17 The first 100 of ech nd every clim. 18 More thn three clims under this section in ny one period of insurnce. 39 Septemer 2014

40 Conditions tht pply to Section Eight Home emergency 1 Clims must e reported to us s soon s possile nd no lter thn 24 hours fter you first ecome wre of the home emergency. 2 You should provide us with completed clim form within 28 dys of receipt, together with ny other receipts, informtion or evidence we my resonly require. 3 You must mintin the home nd ll domestic equipment in good condition nd crry out or rrnge regulr inspections nd preventtive mintennce to the fric nd structure of the home; try to prevent nything hppening tht my cuse clim; nd c tke resonle steps to keep ny mount we hve to py s low s possile. 4 We will mke every effort to provide the service t ll times, ut we will not e responsile for ny liility rising from rekdown of the service for resons we cnnot control. 5 We will not py ny clim covered under ny other policy or ny clim tht would hve een covered y ny other policy if this section did not exist. How to mke clim Incidents must first e notified to us through the home emergency service telephone helpline. Before requesting ssistnce you should red through this section to ensure tht the incident is covered. If you wish to use the home emergency service, plese cll 0800 0281673. You will need to dvise us of your full ddress nd telephone numer; the nture of the emergency; nd your Mrkhm Privte Clients Home Insurnce policy numer. A home emergency opertor will rrnge for one of our pproved contrctors to come to your ssistnce s soon s possile. You will e responsile for pyment of the contrctor s costs. However, if the incident is covered y the terms of this section or y the insurnce provided y other sections, you will e le to mke clim. To enle you to do this, once your cll to the home emergency service hs ended, clim form will e sent to you for completion nd return. 40 Septemer 2014

41 Section Nine Annul trvel Plese red your schedule to see if this section pplies. Additionl definitions to this section The definitions pplying to the whole policy s stted in pges 3 to 5 of this policy shll include the following in respect of this section only. Insured person Journey Person(s) nmed in your schedule s insured under this section nd ll memers of your fmily (including your nnny nd other domestic stff) who permnently live with you. A trip outside the United Kingdom undertken y one or more insured persons for socil, domestic nd plesure purposes only of up to 90 consecutive dys which commences during the period of insurnce. It lso includes ny trip crried out for socil, domestic nd plesure purposes only wholly within the United Kingdom involving pre-ooked flight or minimum of two nights sty in pid ccommodtion. Permnent disility 1 Totl nd irrecoverle loss of ll sight rendering the insured person lind in one or oth eyes nd eing eyond remedy y surgicl or other tretment; 2 loss y physicl severnce of hnd or foot t or ove the wrist or nkle or permnent totl loss of use of n entire rm, hnd, leg or foot; or 3 permnent totl dislement which entirely prevents n insured person from ttending ny occuption to which they re suited y experience, eduction or trining without prospect of improvement fter 12 months of the ccident. Wht is covered. 1 Medicl, emergency trvel, reptrition nd ssocited expenses If n insured person is injured or ecomes ill during journey, we will py for the following expenses resonly nd necessrily incurred s direct result of the injury or illness. Wht is not covered. We will not py 1 the first 100 of ech clim A Medicl expenses The costs incurred outside the United Kingdom for medicl, surgicl or other remedil ttention or tretment given or prescried y qulified medicl prctitioner nd ll hospitl nursing home nd mulnce chrges, including dentl expenses incurred in n emergency or immedite pin relief. 41 Septemer 2014

42 Section Nine Annul trvel (continued) Wht is covered. Wht is not covered. We will not py B C Emergency trvel expenses The extr trvel nd ccommodtion expenses incurred y n insured person nd up to two people who need to trvel to, remin with or escort n insured person ck to the United Kingdom if the qulified medicl prctitioner treting the insured person sys this is necessry. Reptrition expenses The cost of sending n insured person ck to the United Kingdom y the most suitle trnsport if our medicl dviser, in consulttion with the qulified medicl prctitioner treting the insured person, grees tht this is necessry. Provided tht we will not py for n insured person to e sent ck more thn 12 months fter the dte the insured person ws injured or first ecme ill. The most we will py in respect of the insurnce provided y prgrphs, nd c ove rising from injury or illness suffered during ny one journey is 10,000,000. D Funerl expenses If n insured person dies during journey, we will py up to 10,000 for funerl expenses rod or the cost of trnsporting n insured person remins ck to the United Kingdom, Hospitl in ptient Benefit In ddition to the ove expense, we will py up to 100 per dy for ech complete 24 hour period n insured person hs to spend s hospitl in ptient outside the United Kingdom up to mximum of 365 dys 2. Cncelltion, curtilment, missed trvel rrngements nd trvel dely 2. The first 100 of ech clim. A Cncelltion nd curtilment We will reimurse nd insured person in respect of irrecoverle costs for unused trvel nd ccommodtion expenses (including kennel fees) or rerrnged expenses, pid or contrcted to e pid, in the event tht the originl plnned journey is cncelled, curtiled or rerrnged s result of; A In respect of cncelltion, curtilment or rerrngement, more thn 25,000 in respect of ny one journey. 42 Septemer 2014

43 Section Nine Annul trvel (continued) Wht is covered. Wht is not covered We will not py i n insured person s deth, ccidentl injury or illness; ii the deth, ccidentl injury or illness of n insured person s trvelling compnion or n insured person s (or n insured person s trvelling compnion s) spouse or prtner, close reltive or friend, usiness prtner or someone n insured person or n insured person s trvelling compnion re plnning to sty with during the journey; iii n insured person or their trvelling compnion or someone n insured person is plnning to sty with during the journey eing A put in qurntine or clled for jury service or s court witness; B mde redundnt, s long s the redundncy qulifies for pyment under current lw; C required to e in the United Kingdom following urglry t, or mjor dmge to their home; iv mjor dmge to n insured person s preooked ccommodtion mking it impossile for n insured person to sty there; v hi-jck which prevents n insured person from continuing the journey; vi the cncelltion or delyed deprture for 24 hours or more of the scheduled trnsport on which n insured person is ooked to trvel ecuse of strike, riot, civil commotion, fire, flood, erthquke, lndslip, vlnche, ccident, mechnicl rekdown or d wether; or vii n insured person missing the scheduled pulic trnsport on which they re ooked to trvel on their outwrd journey ecuse they re unle to leve their home in the United Kingdom for 24 hours or more due to snow, flood, erthquke or lndslip. B Missed trvel rrngements We will py n insured person up to 1,000 for the resonle extr trvel nd ccommodtion expenses tht they hve to py to continue or complete their journey if, t ny time during journey they miss the scheduled pulic journey, they miss the scheduled pulic trnsport on which they re ooked to trvel ecuse; B for missed pulic trnsport unless the insured person hs done everything they cn to rrive t the deprture point in good time. for missed trvel rrngements or trvel dely due to strike or industril ction which existed or for which existed or for which dvnce wrning hd een given efore the dte on which the journey ws ooked. 43 Septemer 2014

44 Section Nine Annul trvel (continued) Wht is covered. Wht is not covered We will not py i ii they re prevented from reching their deprture point y strike, riot, civil commotion fire, flood, erth quke, lndslip, vlnche or d wether, or the trnsport in which the insured person is trvelling to the deprture point is involved in n ccident or reks down or ecuse fellow pssenger or crew memer is injured or tken ill. B c for missed trvel rrngements unless the insured person provides written confirmtion from the pulic trnsport crrier, or grge or motoring orgnistion where pproprite, of the dely nd reson for it. d for missed trvel rrngements due to vlnche or lndslip, where the journey ws ooked within 14 dys of the strt dte nd it ws widely known tht n vlnche or lndslip hd occurred t the intended resort e for extr trvel nd ccommodtion expenses where the tour opertor hs pid for lterntive rrngements. C Trvel dely If the scheduled pulic trnsport on which n insured person is ooked to trvel t either the strt or the end of the journey hs een delyed for more thn 8 hours ecuse of strike, riot, civil commotion, fire, flood, erthquke, lndslip, vlnche, d wether, ccident or rek down, we will py 100. C For trvel delys unless the insured person provided written confirmtion from the trnsport compny or their gents of the ctul dte nd time of deprture nd the reson for the dely. 3 Temporry loss of ggge If n insured persons ggge is temporrily lost for more thn 8 hours on the outwrd prt of journey, we will py up to 500 towrds the cost of uying or hiring essentil nd resonle replcement items. 4 Trvel documents If n insured person loses of ccidentlly dmges their essentil trvel documents during journey, we will py the cost of replcing them nd for the resonle nd necessry trvel nd ccommodtion expenses n insured person incurs in doing so up to 1,000. 5 Hi-Jck nd kidnp We will py 100 for ech full dy up to mximum of 30 dys tht n insured person is detined s the result of hijck or kidnp which strts during Journey. 6 Personl ccident If n insured person suffers ccidentl odily injury, during journey which directly results within 12 clendr months of the dte of the ccident in deth or permnent disility, we will py 100,000; or 10,000 if the insured person is less thn 18 yers old t the time of the ccident. 6 For permnent disility to ny insured person under more tht one of prgrphs 1,2 or 3 of the definition. 44 Septemer 2014

45 Section Nine Annul trvel (continued) Wht is covered. Wht is not covered. We will not py 7 Legl expenses We will py n insured person s (or their legl representtive s) legl expenses incurred whilst negotiting for their legl rights to otin compenstion from third prty in respect of n insured person s deth, odily injury or illness, provided tht cover only pplies for incidents occurring nd notified to us during the period of insurnce; lwyer is not ppointed to ct for n insured person without our written greement; c in either our or the ppointed lwyer s opinion, it is lwys more likely thn not tht the insured person will recover dmges; d n insured person does not ppoint lwyer to ct for them without our written greement; e we shll not e lile for legl expenses incurred efore our written cceptnce of the clim; f the insured person (or their legl representtives) will co-operte with us nd n ppointed lwyer t ll times nd provide ny informtion nd ssistnce required; nd g this cover shll not pply if legl expenses insurnce is provided for the incident under Section Six - Legl expenses of this policy. 8 Winter sports extension This extension will only pply if shown your schedule. If n insured person is on winter sports holidy, we will py for the following. 7 c more thn 25,000 in respect of ny clim for one or more insured persons rising out of single incident. for ny clim ginst trvel gent, tour opertor, trnsport compny, insurer or insurnce gent. for ny clim ginst nother insured person or trvelling compnion. A B Ski hire Up to 50 per dy for mximum of 10 dys for the resonle cost of hiring replcement equipment if n insured person s skis, snoword, poles or oots re dmged, stolen or temporrily lost for more thn 8 hours during the journey. Ski pckge If n insured person is unle to ski or snoword due to illness or n ccident rising during journey nd n dmissile clim for medicl expenses hs een greed under this section for tht illness or ccident, we will py up to 200 per week for mximum of 4 weeks in reimursement of costs the insured person is leglly lile to py which cnnot e recovered in respect of the insured person s own unused ski pss, equipment hire or tuition. 45 Septemer 2014

46 Section Nine Annul trvel (continued) Wht is covered. Wht is not covered. We will not py C Piste closure Up to 50 per dy up to mximum of 30 dys during ny one journey for the resonle extr trvel expenses tht hs to e pid in order to rech the nerest lterntive skiing site if ll the winter sports fcilities t the insured person s pre-ooked resort re closed during journey nd no lterntive site is ville within n insured person s ski pss re. C for piste closure when the insured person is on journey which strts or ends during the period 1st April to 31 st Decemer inclusive in the Northern Hemisphere, or during the period 1st Octoer to 30th June inclusive in the Southern Hemisphere. for piste closure, where the journey ws ooked within 14 dys of the strt dte nd it ws widely known tht n vlnche or lndslip hd occurred t the intended resort. Exclusions tht pply to Section Nine Annul trvel only We will not py for ny clim rising from the following. 1 Any journey if, t the time of ooking, n insured person is suffering or recovering from serious injury or illness; or hs een dvised not to trvel for medicl resons. 2 Any journey tht is for the purpose of hving medicl or surgicl tretment; is ooked or mde y nyone who is under 16 yers old t the strt of the journey, unless they re on n orgnised school trip or re to e ccompnied for the whole trip y n dult; or c is ooked or mde y nyone who is 71 yers old or over t the strt of the period of insurnce. 3 Medicl expenses incurred more thn 12 months fter the dte the insured person ws injured or first ecme ill. 4 Cncelltion of ny journey which is ooked more thn 12 months efore its plnned strt dte. 5 Cncelltion or curtilment of ny journey ecuse of medicl condition, unless the insured person provides doctor s certificte to support their clim. 6 Any clim for medicl expenses rising out of medicl condition which n insured person knew out t the time the journey ws ooked or egins, unless the condition is normlly stle, under control nd hs een without the need for in-ptient or emergency medicl cre in the preceding 12 months nd the insured person hs not een dvised not to trvel. rising out of set of circumstnces which the insured person knew out t the time the journey ws ooked unless they could not resonly hve expected such circumstnces to result in clim. c rising out of pregnncy or childirth within two months efore nd two months fter the estimted dte of delivery. 46 Septemer 2014

47 Exclusions tht pply to Section Nine Annul trvel only (continued) d e f g resulting from ny emotionl or psychitric disorder or condition. resulting from the insured person tking or using drugs or controlled sustnces, other thn drugs prescried y their doctor nd used properly. resulting from the insured person committing suicide, deliertely injuring themselves or putting themselves in unnecessry dnger, unless trying to sve humn life. resulting from ny criminl ct y n insured person. 7 The cost of ny mediction n insured person needs nd ws tking efore the strt of the journey. 8 Any clim resulting from the insured person tking prt in ny form of winter sports unless the winter sports extension to this section is sttes s insured in your schedule. 9 Any clim resulting from the insured person tking prt in the following winter sports; free-style skiing, ski jumping, ice hockey, use of osleigh runs, ny competition (other thn rces orgnised y ski schools) or off-piste skiing unless the insured person is ccompnied y suitly experienced guide. the following scu diving ctivities: ny unccompnied dive, ny dive involving visits to wrecks or cves, or ny dive elow 30 metres. Any other scu diving ctivities re only covered if the insured person i holds the British Su Aqu Clu Sports Diver certificte or the Professionl Assocition of Diving Instructors Open Wter certificte nd follows the relevnt Clu or Assocition rules nd guidelines t ll times; or ii dives only under the constnt supervision of properly licensed diving school nd follows their rules nd instructions t ll times. c potholing, cving, hng-gliding, prchuting, sky-diving, prscending, prgliding, prsiling, lnd ychting, mountineering or rock-climing for which ropes or guides would normlly need to e used, ungee jumping, white-wter rfting unless the insured person is ccompnied y suitly qulified guide in rpids clssified grde 3 nd elow, ny kind of rce (other thn on foot) ny endurnce test or ny other ctivity which is known to crry n incresed risk of personl injury. d ny sporting ctivity for gin or rewrd. e rmed forces ctivities including opertions, exercises or trining. f flying s pilot or ny other eril ctivities other thn trvel y ir s pssenger. 10 Any clim directly or indirectly rising out of or contriuted to y HIV (Humn Immune Deficiency Virus), AIDS (Acquired Immune Deficiency Syndrome), AIDS-relted complex (ARC) or ny relted virus or illness, or ny sexully-trnsmitted disese. Conditions tht pply to Section Nine - Annul Trvel only 1 High risk res This section will not py for ny clim tht occurs in country tht n insured person is visiting ginst the dvice or recommendtion of the Foreign & Commonwelth Office unless we give our written permission efore they deprt. The Foreign & Commonwelth Office wesite ddress is www.fco.gov.uk 2 Clims condition The filure of n insured person to ct in ccordnce with the following my, t our option, result in their clim eing invlid. In the event of circumstnce rising which will or my led the insured person to mke clim under this section, they must notify us of such circumstnce s soon s possile fter the end of the journey, other thn in the event of medicl emergency, when they must ct in ccordnce with condition 3 elow. The insured person must provide us with ll relevnt informtion nd documenttion in support of their clim tht we resonly require within 30 dys of request. 47 Septemer 2014

48 Conditions tht pply to Section Nine Annul trvel only (continued) c d e In the event of n insured person suffering injury or illness resulting in clim under this section, we will not mke ny pyment unless the originls of ll receipts nd ills in support of the clim hve een provided. In the event of clim involving injury or illness the insured person shll, s often s required nd t our expense, sumit to exmintion y medicl prctitioner of our choice. We shll e entitled to post mortem exmintion t our own expense in the event of the deth of n insured person. 3 Emergency ssistnce service If n injury or illness ffecting n insured person rises whilst they re on journey overses requiring in-ptient hospitl tretment, the emergency ssistnce service must e contcted s soon s possile. Our opertor, in conjunction with the ttending locl prctitioner, will co-ordinte the most suitle nd prcticl solution to the medicl prolem, including the option of reptrition. We will not hve to py medicl nd other expenses following injury or illness if the emergency ssistnce service is not contcted in the ove circumstnces. Emergency ssistnce service contct detils Telephone 0800 0281 677 (if clling from the UK) +44 (0) 01245 396 245 (if clling from outside the UK. Stndrd cll chrges pply) The service is ville 24 hours every dy of the yer. When clling, plese hve the following informtion ville. Your nme nd the insured person s nme. The telephone or fx numer or emil ddress where you cn e contcted. The nture of the medicl emergency. Your Mrkhm Privte Clients Home Insurnce policy numer. Notifiction of clims under this section If you need to notify us of clim, or of ny circumstnce tht my cuse clim, other thn s descried in condition 3 ove, in the first instnce you should contct your roker or insurnce dviser. Alterntively, you my contct us on 0800 0281 676 (if clling from the UK) +44 (0) 01245 396 688 (if clling from outside the UK. Stndrd cll chrges pply) 48 Septemer 2014

Cover is underwritten y Lloyd s Syndicte 2001, mnged y Amlin Underwriting Limited, which is uthorised y the Prudentil Regultion Authority nd regulted y the Finncil Conduct Authority nd the Prudentil Regultion Authority under reference numer 204918. Mrkhm Privte Clients Ltd is n Appointed Representtive of L Ply Ltd which is uthorised nd regulted y the Finncil Conduct Authority (no. 305655)