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Howden Homecare Insurance Policy

written by

a business division ofEcclesiastical Insurance Offi ce plc

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HOMECARE INSURANCE 02

Howden Professionals is a division of Howden - a specialist liability insurance broker. Howden is recognised as a leadingexpert in the field of indemnity and its clients range from large multinationals to UK-based sole practitioners.

Howden Professionals provides liability insurance solutions for UK based practitioners. Our ethos is very simple – we willaim to provide the best cover, for the correct price, combined with outstanding customer service.

Exclusive Homecare Insurance brought to you by Howden Professionals

In response to customer requests and in recognition that an increasing number of Howden customers who see clients athome are experiencing difficulties with their traditional Home Insurance, Howden have made arrangements with leading ethical general insurance company, Ansvar, to offer a policy which may avoid those difficulties.

Although household policies do not usually provide cover for working from home, our exclusive Homecare policy allows you to work from home and automatically includes up to £10,000 cover for your business equipment in your home. (Please note your business activities should be insured separately).

The policy accepts the fact that you might see clients at home and the pricing structure recognises that, far from increasing the risk, working from home can actually reduce the risk; most burglaries, for example, happen during the daytime when people are out at work.

The Homecare policy is especially designed for Howden Civil Liability clients and is not available to general members of the public or those without a Howden Civil Liability policy.

Howden Professionals

This policy has been tailored to meet business requirements by Howden Professionals.

This policy has been prepared and is written by Ecclesiastical Insurance Office plc

Howden Insurance Brokers Limited Brookfield Court Selby Road Leeds LS25 1NB Tel: 0845 371 1433 Fax: 0113 287 4811 www.howdenpro.com

Ansvar Insura ce nAnsvar House St Leonards d RoaEastbourne East Susse xBN21 3UR Tel: 0845 60 20 999 or 01323 737541 Fax: 01323 419800 www.ansvar.co.uk

Homecare InsuranceHOMECARE INSURANCE 02













HOMECARE INSURANCE 02














Useful Addresses13

Policy Wording14 – 36

4 - 7

27 – 28

29 – 31

11Contents Section: • What is cov red / What is not covered e• Extensions: Alternative Accommodation Collections at Exhibitions Contents at Universit or College y Contents in the Open Contents Temporarily Removed Credit Cards Documents and Title Deeds Fatal Injury Glass, Mirrors and Ceramic Hobs Household Removal Keys L st or Stolen o Money Office Contents Personal Effects of Visit rs o Prams and Wheelchai rs Refrigerated Contents Special Occasion Increase Tenants Property and Liability Liability to Domestic Employees Occupiers, Personal and B ss Liability usine Unrecovered Court A ards w• Special Requireme ts n• Claims Settlement

21 - 26

Policy Cover Summary

Personal Possessions Section: • What is covered / Wha is not covered t• Special Requirements • Claims Settlement

Legal Expenses Section:• What is covered / What is not covered • Claims Settlement • Special Conditions

Helpline Services:• Assistance • Counselling • Legal

Helpful Information:• Chang s that may affect your cover e• Claims • General

8 - 9Complaints Procedure 12

General Exclusions32 – 3313

General Conditions34 – 35

Fraud Prevention or Detection 13

Claims Underwriting Exchange (CUE)

Claims: Making claim for: a• Glass • Legal Expenses • All other covers

10

Financial Services Compensation Scheme (FSCS)1234

Financial Ombudsman Service (FOS) 12

Endorsements36

Data Protection Act11

Definitions

DESCRIPTION

14 – 16

PAGE

Cancellation

Buildings Section: • What is cov red / What is not covered e• Extensions: Accidental Damage to Services Alternative Accommodation and Loss of Rent Emergency Access Fixed Glass and Sanitary Fittings Keys Lost or Stol n e Sale of the Home Property Owners Liability • Claims Settlement

DESCRIPTION

17 – 20

PAGE

Where to find what you’re looking for 03


As per extension 13 to section 2 (Contents) £250 excess for theft that does not involve violent force to enter or leave the home – this is applicable to the standard cover by section 2 and to this extension

HOMECARE INSURANCE SPECIAL EXTENSION (by endorsement)

THERAPISTS – WORKING FROM HOME Business property in the home – Up to £500 for stock and £10,000 in total

Uninsurable risks:• any proce s of cleaning, dyeing, altering, repairing, renovating or s restoring • mechanical or electrical fault, breakdown or failure • property maintenance costs • the action of light or any atmospheric or climatic condition s• vermin, insects, parasites, woodworm, fung s, rot or frost u• wear and tear or gradually operating cause

SIGNIFICANT EXCLUSIONS

The most we will pay for any claim for: • damage to your property is the sum insured • liability or legal expenses is the indemnity limit

COVER AND LIMITS

SECTIONS OF COVER You can choose to have either Buildings and/or Contents sections (Legal Expenses section is automatically included). Personal Possessions section can be added if you have Contents cover. Sums insured under the Contents section are not index linked.

NO CLAIMS DISCOUNT If you do not make any claims we will allow a discount from the renewal premium. Separate discounts apply to the Buildings and Contents sections (Personal Possessions claims affect the Contents discount). Legal Expenses claims will not affect the discount.

EXCESS You will generally be responsible for the first amount of any claim and this is known as an excess. The amounts of excess are specified either in the schedule, policy wording or in any endorsements. The amount of any voluntary excess will be in addition to any policy excess that applies but does not apply to any extensions to the sections.

COMPLAINTS

If you have any reason to complain about the advice or service you’ve received, please contact us as soon as possible.

You can refer your complaint in writing or verbally at any time to: Ansvar Insurance, Ansvar House, St. Leonards Road, Eastbourne, East Sussex, BN21 3UR

Phone Ansvar Insurance on 0845 60 20 999 or 01323 737 541 Or if you feel we are not listening to you please direct the matter to the Compliance Officer or Claims & Risk Services Director using the contact details above. Our promise to you • Where possible we will resolve your complaint within one business day Otherwise: • We will promptly acknowledge all complaints • All complaints will be investigated diligently and impartially within Ansvar • We will respond formally to your complaint as soon as possible • We will keep you informed of the progress of the investigation. If you’re not satisfied with our response, or we have not completed our investigation after eight weeks, we’ll inform you of your right to take the complaint to: Financial Ombudsman Service ,South Quay Plaza , 183 Marsh Wall , London , E14 9SR. Phone FOS on 0800 0234 567 or 020 7964 1000 Email: [email protected] This complaints procedure does not affect your right to take legal proceedings.

Legal Expenses by letter, telephone, or e-mail and quoting reference

TS13518711 to:

• Email: [email protected]

• Claims Department, DAS Legal Expenses Insurance Co pany Limited, m DAS House, Quay Side, Temple Back, Bristol, BS1 6NH • Tel: 0117 934 0437

MAKING A CLAIM You can notify a claim as follows: Any claim, apart from glass or Legal Expenses - online at: www.ansvar.co.uk/login or contact us by letter, telephone, fax or e-mail a t:• Ansvar Insurance, Ansvar House, St Leonards Road, Eastbourne, BN21 3UR • Tel:0845 60 20 999 or 01323 737541 • Fax: 01323 739355 • Email: [email protected]

YOUR RIGHT TO CANCEL If after receiving the full written documentation (either in paper or electronic format), you change your mind and no longer require the cover then you have 14 days (cooling-off period) from the date you received the full documentation (or the date the cover commenced if later) to tell us writing inthat you wish to cancel the policy. In such circumstances we will make a full refund of premium. If you cancel your cover outside this period, there will be a premium charge but no return of premium will be made if there has been a claim.

Please read this part of the document carefully as it provides a summary of your cover. Please refer to the policy wording for full details of cover, exclusions and the General Conditions and General Exclusions. Cover for your policy is written by Ecclesiastical Insurance Office plc and will run for a period of 12 months. The Legal Expenses section and helplines are administered by DAS Legal Expenses Insurance Company Limited. Your policy schedule will show which sections of cover you have requested.

POLICY COVER SUMMARY 04


£50 excess increased to £100 for contents in any garage or outbuilding Accidental da age due to faulty workmanship, defective design or by mdomestic pets Aircraft and watercraft Cost of replacing any undamaged items which form part of a set, suite or item of a uniform nature Non-proprietary electronic data, audio or visual recordings Malicious damage by persons lawf ly in the home ulMotor vehicles, caravans or trailers Property used for any business or profession except that covered under the OFFICE CONTENTS extension Theft or attempted theft, malicious damage, escape and loss of wa er tor oil and accidental damage when the home i left unoccupied for smore than 60 consecutive days or unfurnished Theft or attempted theft while the home is lent, let or sub-let unless violent force is used to enter or leave Valuables inside any garage or outbuilding

Policy limit of: • £3,000 for any valuable em and in total the limit shown in the it schedule for valuables • 10% of the sum insured for contents n garages or outbuildings i with a maximum of £2,500 for theft • £1,000 for dow loaded electronic data (£500 from any single item n of equipment) • £350 for any pedal cycle • £5,000 for collections (£500 any item) • £1,000 for garden contents (£250 any item)

Loss or damage to the contents caused by:• Fire, smoke, lightning, e plosion or earthquake x• Theft or attempted theft • Impact by aircraft, trains, vehicles or animals • Falling trees or posts (including damage to satellite dishes, aerials or masts) • Riot, civil commotion, labour and political disturbances • Malicious peo e or vandals pl• Storm or flood • Escape of water from specified installations and domestic appliances (including loss of metered water up to £1,000 )• Escape of oil from any fixed domestic heating installation (including loss of oil up to £1,000) • Subsidence, heave or landslip • Accidental damage

CONTENTS

If already insured by the buyer Ownership or use of any lift or motor vehicle Use for any business activities except those specifically covered

Keys and locks of outbuildings

PROPERTY OWNERS LIABILITY (as owner of the buildings andits land - indemnity limit £2,000,000 including costs and expenses)

SALE OF THE HOME KEYS LOST OR STOLEN (limit £500)

6 7

5

consecutive days or unfurnished

£50 excess Damage when the home is left unoccupied for more than 60

Use for any business activities except those specifically covered

£50 excess, increased to:• £100 for garages and outbuildings of non-standard construction • £250 for storm damage to any felt roof £1,000 excess for subsidence, heave or landslip Accidental da age due to faulty workmanship, defective design or by mdomestic pets Damage to fences or gates by falling items or by storm or flood Malicious damage by persons lawfully in the home Storm or flood damage caused by rising water table levels Theft or attempted theft, malicious damage, escape of water or oil and accidental damage when the home is left unoccupied for more than 60 consecutive days or unfurnished


£100 excess Faulty or inadequate design, construction or installation

BUILDINGS EXTENSIONS c covers, septic tanks, underground pipes and cables) £30,000)

4 FIXED GLASS AND SANITARY FITTINGS

1 ACCIDENTAL DAMAGE TO SERVICES (drain inspe tion 2 ALTERNATIVE ACCOMMODATION AND LOSS OF RENT (limit 3 EMERG NCY ACCESS (by the emergency services - limit E £1,000)

Loss or damage to the buildings caused by:• Fire, smoke, lightning, e plosion or earthquake x• Theft or attempted theft • Impact by aircraft, trains, vehicles or animals • Falling trees or posts • Riot, civil commotion, labour and political disturbances • Malicious peo e or vandals pl• Storm or flood • Escape of water from specified installations and domestic appliances (including costs of tracing the leakage - limit £5,000) • Escape of oil from any fixed domestic heating installa tion (including costs of tracing the akage - limit £5,000) le• Subsidence, heave or landslip • Accidental damage

BUILDINGS

POLICY COVER SUMMARY continued COVER AND LIMITS

05


• abuse of any kind• errors or omissions in t e provision of professional services h• goods sold o supplied r • manual work • professional counselling or advice • treatment of any kind Any award arising from any business or profession

UNRECOVERED COURT AWARDS (indemnity Limit £2,000,000)

21

Liability assumed under contractInjury to members of the family or domestic employees Liability arising from business activities involving:

£100 excessAccidental damage Loss or damag when the home is unoccupied for more than 60 days eor unfurnished Injury arising out of any business activities

16

19 LIABILITY TO DOMESTIC EMPLOYEES (indemnity Limit £10,000,000 including costs and expenses - £5,000,000 if terrorism involved) 20 OCCUPIERS, PERSONAL AND BUSINESS LIABILITY our (y legal liability as occupier in a personal capacity and your

business activities that are specifically cov red - indemnity limit e £2,000,000 including costs and expenses)

17 SPECIAL OCCASION INCREASE (30 days before and after Christmas and family edding days the contents sum insured is w increased by £5,000) 1

8 TENANTS PROPERTY AND LIABILITY (fixtures and fittings, decorations, greenhouses/sheds you have installed and also your liability as tenant – limit 20% of the sum insured)

REFRIGERATED CONTENTS (deterioration of the contents ofrefrigerators or freezers – limit £1,000)

MONEY (accident l loss of personal money anywhere in theaworld - limit £500)

KEYS LOST OR STOLEN (limit £500)11 12

HOUSEHOLD REMOVAL (contents while in course of removalby professional contractors, including storage up to 7 days)

10

£50 excess

£100 excess if unit is over 10 years old Contents in a unit over 15 years old Trade or business contents

£25 excessBusiness money Losses not reported to the Police within 24 hours of discovery £100 excess Costs of reconstituting documents or data Stock not specifically covered, money or securities £50 excess Valuables or money

£50 ex15 PRAMS AND WHEELCHAIRS (anywhere in the territorial limits

13 OFFICE CONTENTS (owned by a family member and used for their business in the main building of the home – limits £500 stationery and promotional items and £10,000 in total) 1

4 PERSONAL EFFECTS OF VISITORS (loss or damage to personal effects of domestic employees, visitors or paying guests while in the home – limit £1,000 and £250 any item)

limit £1,000) cess

Powered wheelchairs registered for road use

£50 excessBrittle items unless professionally packed Loss or damage not reported within 14 days Valuables Keys and locks of outbuildings

£50 excessBreakage when the home is left unoccupied for more than 60 consecutive days or unfurnished

£50 excessDocuments and deeds otherwise insured Electronic data

Loss not reported to Police in 24 hours Where card conditions have not been observed

6

7 DOCUMENTS AND TITLE DEEDS (damage while in the home or at your bank, building society or solicitors for safekeeping - limit £1,000 in any period of insurance) 8

FATAL INJURY (to you or your partner due to injury in the home by fire or thieves - limit £10,000 any period of insurance and £5,000 any one person)

9 GLASS, MIRRORS AND CERAMIC HOBS

CREDIT CARDS (unauthorised use anywhere in the world - limit£1,000)

£50 excessTheft in transit or where no force is used to enter of leave the building £100 excess Accidental d amagePedal cycles Theft in transit or where no force is used to enter or leave the building £100 excess Accidental damage Valuables £100 excess Accidental d amagePedal cycles Theft in transit or where no force is used to enter or leave the building While removed for sale, exhibition or to a furniture depository

CONTENTS TEMPORARILY REMOVED (limit £5,000) 5

CONTENTS IN THE OPEN (limit £1,000) 4


1 ALTERNATIVE ACCOMMODATION (limit 20% of the sum

t exhibitions and in transit - limit £5,000 and £500 any item)

OR COLLEGE valuables and £5,000 in total)

insured) 2 COLLECTIONS AT EXHIBITIONS (away from the home a 3 CONTENTS AT UNIVERSITY (limit £2,500 for

CONTENTS EXTENSIONS

POLICY COVER SUMMARY continued COVER AND LIMITS

06


07 POLICY COVER SUMMARY continued COVER AND LIMITS SIGNIFICANT EXCLUSIONS

PERSONAL POSSESSIONS Accidental loss or damage to specified or unspecified valuables andpersonal possessions (such as jewellery, watches, cameras, mobile phones and other articles worn or carried about the person) anywhere in the British Isles and up to 60 days worldwide while in the custody of a member of the family

£50 excess increased to £100 for any property with a family memberwhile at university or college or theft from unattended vehicles Aircraft and watercraft Damage to electronic data, audio or visual recordings Faulty workmanship or defective design Motor vehicles, caravans or trailers Property used for any business or profession Sports equipment in the course of play Theft from unattended vehicles unless the property is concealed in glove or luggage c mpartment or boot and all points of entry are oclosed and locked Theft of pedal cycles left unlocked away from the home

Policy limit of: • £1,000 for theft from unattended vehicles • £1,000 for unspecified property at any university or colle e g• £350 for an unspecified pedal cycle (£150 at college or y university)

LEGAL EXPENSES Note: You must let DAS know of any problems straight away or cover may not be given if you have tried to deal with matters on your own.

Fines, penalties, compensation or damages Leases for less than 21 years Slander or defamation

Legal issues under the headings of insured incidents detailed below(indemnity limit £50,000):

1 EMPLOYMENT DISPUTES (negotiation of legal rights for

employment contracts as an employee)

2 CONTRACT DISPUTES (in buying or selling your home, goods or services)

Disciplinary hearings or internal grievance procedures Any claim relating solely to personal injury A compromise agreement whilst you are still employed

Contracts relating to:• your business or profession • design or construction work • loans, mortgages, pensions or investments

3 PERSONAL INJURY (negotiation of legal rights against Illness or bodily injury that happens gradually The failure or alleged failure to correctly diagnose your condition

anyone who injures you)

4 CLINICAL NEGLIGENCE (Identified negligent act of surgery,

clinical or medical procedure)

£250 excess for nuisance or trespassClaims relating to motor vehicles or mining subsidence Business or profession Any claim if you are unable to prove your loss

5 PROPERTY PROTECTION (in disputes relating to your material property following damage, nuisance or trespass)

Revenue & Customs) 6 TAX PROTECTION (representation in tax enquiries by HM 7 JURY SERVICE (payment of salary or wages while on jury service) 8 LEGAL DEFENCE (for an offence relating to the driving of a motor vehicle or your work as an employee leads to criminal prosecution)

Driving without insuranceParking or obstruction offences

HELPLINE SERVICES DAS Legal Expenses Insurance Company Limited provides these services 24 hours a day, seven days a week during the period of insurance

COUNSELLING (confidential counselling service over the phone, including where appropriate, onward referral to relevant voluntary or professional services) •

• LEGAL ADVICE SERVICE (confidential legal advice on any personal legal problem)

• HEALTH AND MEDICAL INFORMATION SERVICE (information on health, and fitness and non-diagnostic advice on medical matters. Information is available on all health services including hospital waiting lists)

• TAX ADVICE SERVICE (confidential advice over the phone on personal tax matters)

Ansvar Insurance Ansvar House, St Leonards Road, Eastbourne, East Sussex, BN21 3UR Tel: 0845 60 20 999 or 01323 737541 Fax: 01323 419800 Email: [email protected] www.ansvar.co.uk Business division of Ecclesiastical Office plc. Registered Office: Beaufort House, Brunswick Road, Gloucester, GL1 1JZ Registered No: 24869 England Member of: Association of British Insurers (ABI) and the Financial Ombudsman Service (FOS) Authorised and Regulated by the Financial Services Authority (FSA) All content © Ecclesiastical 2011

07 POLICY COVER SUMMARY continued COVER AND LIMITS SIGNIFICANT EXCLUSIONS

PERSONAL POSSESSIONS Accidental loss or damage to specified or unspecified valuables andpersonal possessions (such as jewellery, watches, cameras, mobile phones and other articles worn or carried about the person) anywhere in the British Isles and up to 60 days worldwide while in the custody of a member of the family

£50 excess increased to £100 for any property with a family memberwhile at university or college or theft from unattended vehicles Aircraft and watercraft Damage to electronic data, audio or visual recordings Faulty workmanship or defective design Motor vehicles, caravans or trailers Property used for any business or profession Sports equipment in the course of play Theft from unattended vehicles unless the property is concealed in glove or luggage c mpartment or boot and all points of entry are oclosed and locked Theft of pedal cycles left unlocked away from the home

Policy limit of: • £1,000 for theft from unattended vehicles • £1,000 for unspecified property at any university or colle e g• £350 for an unspecified pedal cycle (£150 at college or y university)

LEGAL EXPENSES Note: You must let DAS know of any problems straight away or cover may not be given if you have tried to deal with matters on your own.

Fines, penalties, compensation or damages Leases for less than 21 years Slander or defamation

Legal issues under the headings of insured incidents detailed below(indemnity limit £50,000):

1 EMPLOYMENT DISPUTES (negotiation of legal rights for

employment contracts as an employee)

2 CONTRACT DISPUTES (in buying or selling your home, goods or services)

Disciplinary hearings or internal grievance procedures Any claim relating solely to personal injury A compromise agreement whilst you are still employed

Contracts relating to:• your business or profession • design or construction work • loans, mortgages, pensions or investments

3 PERSONAL INJURY (negotiation of legal rights against Illness or bodily injury that happens gradually The failure or alleged failure to correctly diagnose your condition

anyone who injures you)

4 CLINICAL NEGLIGENCE (Identified negligent act of surgery,

clinical or medical procedure)

£250 excess for nuisance or trespassClaims relating to motor vehicles or mining subsidence Business or profession Any claim if you are unable to prove your loss

5 PROPERTY PROTECTION (in disputes relating to your material property following damage, nuisance or trespass)

Revenue & Customs) 6 TAX PROTECTION (representation in tax enquiries by HM 7 JURY SERVICE (payment of salary or wages while on jury service) 8 LEGAL DEFENCE (for an offence relating to the driving of a motor vehicle or your work as an employee leads to criminal prosecution)

Driving without insuranceParking or obstruction offences

HELPLINE SERVICES DAS Legal Expenses Insurance Company Limited provides these services 24 hours a day, seven days a week during the period of insurance

COUNSELLING (confidential counselling service over the phone, including where appropriate, onward referral to relevant voluntary or professional services) •

• LEGAL ADVICE SERVICE (confidential legal advice on any personal legal problem)

• HEALTH AND MEDICAL INFORMATION SERVICE (information on health, and fitness and non-diagnostic advice on medical matters. Information is available on all health services including hospital waiting lists)

• TAX ADVICE SERVICE (confidential advice over the phone on personal tax matters)

Ansvar Insurance Ansvar House, St Leonards Road, Eastbourne, East Sussex, BN21 3UR Tel: 0845 60 20 999 or 01323 737541 Fax: 01323 419800 Email: [email protected] www.ansvar.co.uk Business division of Ecclesiastical Office plc. Registered Office: Beaufort House, Brunswick Road, Gloucester, GL1 1JZ Registered No: 24869 England Member of: Association of British Insurers (ABI) and the Financial Ombudsman Service (FOS) Authorised and Regulated by the Financial Services Authority (FSA) All content © Ecclesiastical 2011


SECURITY You have given us certain informat n about security at the home. You must always put this security into effect whenever the home is left iounattended by a responsible adult. If you improve security with an alarm system acceptable to us it may be possible to allow a premium discount. If you do not use the security devices and a theft claim occurs there may be no cover or an increased excess may apply.

MOTORISED WHEELCHAIRS / INVALID CARRIAGES We include cover for Class 1 and 2 wheelchairs / invalid carriages while they are in the home and temporari away from the home, provided lythey are unable to travel at more than 4 miles per hour and are not required to be registered with the DVLA. We do not cover Class 3 wheelchairs / invalid car s, i.e. those which are able to travel at more than 4 miles per hour and are required to be riageregistered with the DVLA for use on public roads.

GENERAL INFORMATION CHILDMINDING ACTIVITIES We do not cover any childminding activity that you undertake as a business within the homes of third parties nor at premises other than your home.

CONDITION AND PROTECTION OF THE BUILDINGS • the buildings no longer being in a good state of repair • the home is protected by a lower level of security than originall d y declare• a change to the alarm system if you receive an alarm discount.

CHANGE OF ADDRESS / INFORMATION You must tell us abo t any change to information you previously declared to us. These changes include, but are not limited to: u• change of address • a change of your trade, profession or occupation • structural alteration and extensions to the home • business use not covered by the po licy• unoccupancy for more than 60 days • bankruptcy of any member of the family • a family member being convicted w th any criminal offence other than motoring offences i• the home being lent, let or sub-let.

BUILDING IMPROVEMENTS OR EXTENSIONS It is possible that you may have building improvements or additions made after you take out this insurance. Generally speaking the contracto rwill have suitable insurance in place for this work but there may be occasions when work is carried out under certain JCT contract wordings. There is no cover under this policy for such work but we may, for additional premium, be able to extend our policy by endorsement to provide cover in joint names and, if required, for the building work itself but only where it is carried out under a JCT contract and provided the contract price does not exceed £100,000. You will need to provide additional information to us for such cover but we cannot guarantee that we will accept the risk.

You must tell us immediately you become aware of any f the following situations occurring, or that you know will occur, during the current operiod of insurance or after the policy’s renewal with us. If you fail to do this your cover may be invalid or adversely affected and claims may not be paid or not be paid in full.

CHANGES THAT MAY AFFECT YOUR COVER PART B - HELPFUL INFORMATION 08


UNSPECIFIED PERSONAL POSSESSIONS Articles designed to be personally worn, used or carried about the person may include such items as driving licences or passports, sports equipment, media players and recorders (e.g. ipods, MP3 players), cameras, mobile phones or laptop computers.

TENANTS FIXTURES AND FITTINGS Permanently fitted furniture and equipment is normally covered as part of the fixtures and fittings of the buildings. However, if you are a tenant and you have added some fixtures and fittings and you remain responsible for them then cover is provided under the TENANTS PROPERTY AND LIABILITY extension of section 2 (Contents).

STORM A storm is extremely windy conditions, generally accompanied by heavy rain, snow or hail. The decision as to if weather conditions at the time of any damage represented a storm would take into account the prevailing wind strength as measured on the Beaufort scale. Rainfall, snow or hail without the extreme wind conditions may not be considered to be a storm.

PROOF OF VALUE AND OWNERSHIP It is strongly recommended that, whenever possible, you retain all receipts, valuations instruction booklets and guarantee cards for the family’s property and take photographs of any valuable items. This will help in proving, assessing and settlement of any claim that might arise.

FLOOR COVERINGS / CARPETS We deem floor coverings, including carpets, to be part of the fixtures and fittings of the buildings when they are actually stuck / glued to the floor. If they are not stuck / glued then they are deemed to be part of the contents.

EXTENT OF COVER Please be aware that we do not provide the same level of cover for all your property. Restrictions do apply in certain areas, e.g. garages and outbuildings, and we would ask you to read carefully through the Summary of Cover (Key Facts) and the policy wording in order to get a full picture of the cover given and where it is restricted.

CLAIMS INFORMATION 09


ANY CLAIMS

Our normal working hours are from 08:45 to 17:00 – Monday to Friday.

Claims Department, Ansvar Insurance, Ansvar House, St Leonards Road, Eastbourne, BN21 3UR

Phone Ansvar on 0845 60 20 999 or 01323 737 541

Fax: 01323 739355 Email: [email protected] On-line: www.ansvar.co.uk

OUT OF NORMAL WORKING HOURS

For serious property damage requiring emergency attention out of our normal working hours DAS (DAS Legal Expenses Insurance Company Limited) will pass details to our loss adjusters who can be contacted 24 hours a day, seven days a week.

Phone DAS on 0117 934 0437

GLASS

Solaglass Windowcare provide a 24 hour, 365 days a year boarding up and replacement glazing service.

Phone Solaglass Windowcare on 0800 47 47 47

• In the event of glass breakage, contact Solaglass Windowcare by telephone as above.

• If you are insured for glass breakage, Solaglass Windowcare will issue separate invoices to:

- you in respect of any policy excess and recoverable VAT

- Ansvar for the remaining cost.

If the glass is not insured, you will be solely responsible for the entire cost of repairs.

LEGAL EXPENSES

Claims Department, DAS Legal Expenses Insurance Company Limited, DAS House, Quay Side, Temple Back, Bristol, BS1 6NH

Phone DAS on 0117 934 0437 quoting reference TS13518711

Email: [email protected]

• The insured person must inform DAS as soon as possible and within the time limits stipulated under the terms of the policy, giving full details in writing of the insured incident and providing such proofs, supporting evidence and other information as DAS may require.

• DAS will ask you about your legal dispute and if necessary call you back at an agreed time to give you legal advice. • If your dispute needs to be dealt with as a claim under this policy, DAS will give you a claim reference number. At this point DAS will not be able to confirm that

you are covered but will pass the information you have given to the relevant DAS claims handling team and explain what to do next. • Claims are usually handled by a representative appointed by DAS, but sometimes DAS deal with them themselves. Claims outside the United Kingdom may

be dealt with by other DAS offices elsewhere in Europe • Please do not ask for help from a solicitor or accountant before DAS have agreed. If you do, we will not pay the costs involved.

BUILDINGS, CONTENTS AND PERSONAL POSSESSIONS

• For any claims that require urgent attention such as severe storm, fire or flood, you must take all reasonable steps to prevent any further damage. • If the damage is serious, we may decide to appoint an independent loss adjuster or investigator to deal with your claim, therefore you must contact our claims

department immediately for further assistance. • For claims that do not require urgent attention such as minor property damage, you must take all reasonable steps to prevent any further damage. • If possible, obtain competitive estimates for the repair and, if requested by us, submit with a completed claim form for our approval.

Please send any requested claim form to us immediately should there be any delay in obtaining estimates.

• Once we have agreed an estimate, you can get the work done and send the final account to us for reimbursement (subject to any policy terms). • A full specification of the damaged property is required together with substantiation, e.g. original purchase receipt, photographs of the article or payment

receipts etc. Forward the requested information, with a completed claim form where requested, for our approval. • Whenever appropriate we aim to provide replacements and we may use our preferred supplier. • When necessary, you should arrange for emergency repairs to be carried our to prevent further damage.

LIABILITY (CLAIM BEING MADE AGAINST YOU)

• If someone is making a claim against you please notify us immediately. • Do not make any promise to pay. • Send any letter or document to us unanswered

MONEY AND CREDIT CARDS

• We require substantiation to support your claim and the loss needs to be reported to the police immediately on discovery.

REFRIDGERATED CONTENTS

• Please compile a list of the spoilt contents and if possible a photograph of the items.

SALVAGE

• All savage must be protected and retained for our inspection, unless we or the loss adjuster have instructed you to the contrary. THEFT, LOSS AND MALICIOUS DAMAGE

• Tell the police immediately if property is stolen, maliciously damaged or if a valuable item is lost, and obtain a crime or lost property reference number. You must take all reasonable steps to prevent any further loss.

MAKING A CLAIM 10


LEGAL ADVICE SERVICE DAS will give you confidential legal advice over the phone on any personal legal problem, under the laws of the member countries of the European Union, the Isle of Man, the Channel Islands, Switzerland and Norway. Advice about the law in England and Wales is available 24 hours a day, seven days a week. Legal advice for the other countries is available 9am-5pm, Monday to Friday, excluding public and bank holidays. If you call outside these times, DAS will call you back.

HEALTH AND MEDICAL INFORMATION SERVICE DAS will give you information over the phone on general health issues and advice on a wide variety of medical matters. DAS can give you information on all health services including hospital waiting lists. Advice can be given on allergies, the side effects of drugs and how to improve general fitness. Information is available on self-help groups and hospital waiting lists. TAX ADVICE SERVICE DAS will give you confidential advice over the phone on personal tax matters in the UK. Tax advice is provided by tax advisors 9am – 5am, Monday to Friday, excluding public and bank holidays. If you call outside these times, DAS will call you back.

To contact the above services, phone DAS on: 0117 934 0437 COUNSELLING (these calls are not recorded)

Phone DAS on 0117 934 2121 DAS will provide a member of the family with a confidential counselling service over the phone including, where appropriate, onward referral to relevant voluntary and/or professional services.

DATA PROTECTION ACT We hold data in accordance with the Data Protection Act 1998. It may be necessary for us to pass data to other organisations that supply products and services for this policy. In order to verify information, or to prevent and detect fraud, we may share information you give us with other organisations and public bodies, including the Police.

DAS Legal Expenses Insurance Company Limited (DAS) will not accept responsibility if the Helpline Services are unavailable for reasons DAS cannot control.

• DAS provide these services 24 hours a day, seven days a week during the period of insurance. • All helplines apply to the United Kingdom unless otherwise stated. • To help DAS check and improve service standards, DAS record all calls, other than for the COUNSELLING services. • Please do not phone DAS to report a general insurance claim except where previously stated in OUT OF NORMAL WORKING HOURS under MAKING A CLAIM.

Phone DAS on 0117 934 0437 quoting reference HL3553322

HELPLINE SERVICES 11


If you have any reason to complain about the advice or service you’ve received, please contact us as soon as possible.

You can refer your complaint in writing or verbally at any time to: Ansvar Insurance Ansvar House St. Leonards Road Eastbourne East Sussex BN21 3UR

Phone Ansvar Insurance on 0845 60 20 999 or 01323 737541


Or if you feel we are not listening to you please direct the matter to the Compliance Officer or Claims & Risk Services Director using the contact details above.

OUR PROMISE TO YOU

• Where possible we will resolve your complaint within one business day

Otherwise:

• We will promptly acknowledge all complaints

• All complaints will be investigated diligently and impartially within Ansvar

• We will respond formally to your complaint as soon as possible

• We will keep you informed of the progress of the investigation.

If you’re not satisfied with our response, or we have not completed our investigation after eight weeks, we’ll inform you of your right to take the complaint to: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR.

Phone FOS on 0800 0234 567 or 020 7964 1000 Email: [email protected] This complaints procedure does not affect your right to take legal proceedings

COMPLAINTS PROCEDURE

For further information you can visit the website at: www.fscs.org.uk or write to: Financial Services Compensation Scheme, 7th Floor, Lloyds Chambers, Portsoken Street, London. E1 8BN

Phone FSCS on 0800 678 1100 or 020 7982 7300


For home insurance the first £2,000 of the claim or unused premiums is covered in full followed by 90% of the remainder.

This scheme was set up under the terms of the Financial Services and Markets Act 2000.

Its aim is to tect private and small business/charity customers should an insurer go out of business and be unable to meet its liabilities or propay claims. If so, FSCS may arrange to transfer your policy to another insurer, provide a new policy or, if these actions are not possible, provide compensation. The maxi um level of compensation you can receive from the scheme for a claim against an insurance firm depends on the mtype of insurance policy.

THE FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)12


www.fscs.org.uk FINANCIAL OMBUDSMAN SERVICE South Quay Plaza 183 Marsh Wall, London, E14 9SR www.financial-ombudsman.org.uk

FINANCIAL SERVICES COMPENSATION SCHEME 7th Floor, Lloyds Chambers Portsoken Street London, E1 8BN

www.abi.org.uk

THE ASSOCIATION OF BRITISH INSURERS Consumer Information Department 51 Gresham Street London, EC2V 7HQ

www.fsa.gov.uk/mgi

THE FINANCIAL SERVICES AUTHORITY 25 The North Colonnade Canary Wharf London, E14 5HS

www.das.co.uk

DAS LEGAL EXPENSES INSURANCE COMPANY LIMITED DAS House, Quay Side Temple Back, Bristol, BS1 6NH

www.ansvar.co.uk

ANSVAR INSURANCE Ansvar House, St Leonards Road Eastbourne, East Sussex, BN21 3UR

USEFUL ADDRESSES

In addition please note that we may: • check and/or file your details with ther fraud prevention agencies and databases, and if you give us false or inaccurate information and we o suspect fraud, we will record this • search other agencies and databases • check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity.

It is a condition of taking out or renewing your policy with us that you give your consent to the information on your application for insura ce and non any claims you make being supplied to IDS Ltd so that it can be put on the register and made available to other insurers. It is also a condition that you agree in response to any searches we may make in connection with any claims you have made in the past or may make in the future that IDS Ltd may supply information it has received from other insurers about other claims you have made.

Insurers and their agents share information with each other to prevent fraudulent claims and to assess whether to offer insurance including the services of the Claims and Underwriting Exchange (CUE) register, operated by Insurance Database Services Ltd.(IDS Ltd) A list of participants is available on request. In the event of a claim, the information you have supplied on your application for insurance, together with the information you supply on a claim form and other information relating to the claim, will be put on the register and made available to participants.

FRAUD PREVENTION OR DETECTION 13


14 PART C – POLICY WORDING

FORM No. F.A. 03 (2011) HOME WEB INSURANCE POLICY

We and you agree that: a) the basis of the contract is the information contained in the statement of facts and any additional or supplementary information supplied b) you will pay the premium c) we will insure you as detailed in the policy, schedule and any endorsements, during the period of insurance shown in the schedule d) the policy, schedule and any endorsements (including any replacements for them) are to be read together as one document.

Definitions Some words or phrases in his policy and its schedule are in bold italics and have particular meanings that are stated below unless otherwise tspecified by endorsement. These definitions apply equally where used in the singular or plural.

appointed representative the preferred law firm, law firm, accountant or other suitably qualified person who has been appointed to act for you in accordance with the terms of sections 4 (Legal Expenses)

bodily injury death, illness, injury or disease buildings the buildings for which you are responsible, being:

• the private dwelling • garages, car ports, ldings outbui• fixtures and fittings • paved terraces, patios, drives, paths, decking • walls, gates, fences, hedges • sunken swimming pools, fishponds, ornamental pools, tennis hard courts • domestic heating oil or gas tanks, septic tanks, drains, pipes or cables all forming part of the home

Buildings do not include satellite dishes, television or radio aerials, fittings or masts• • business activities the provision of accommodation by you in the home for a maximum of two paying guests

any business, profession or occupation of a clerical nature only wh h you run from the home, including icbusiness trips away from the home but within the territorial limits any childminding service provided by you for payment which takes place at the home only, including • shopping or leisure trips away from the home but within the territorial limits provided that there are no: - employees or any other ersons, other than family members, participating in any of the business activities p- other business premises

collections collections of stamps, coins, medals or any other collectable items but not exceeding £500 any item nor £5,000in total for all collections household furniture, furnishings and any other domestic goods, including: • satellite dishes, radio and television a rials, fittings and masts e• unspecified personal possessions • any kind of proprietary electronic data, or audio or visual recordings, for personal use and all readily available from the manufacturer, subject to downlo ded electronic data being limited to £500 for the information on any single item of a equipment and £1,000 for any claim • pedal cycles but not exceeding £350 for any pedal cycle • valuables up to £3,000 for any item and in total the limit shown in the schedule for Valuables all belonging to, or the responsibility of, a member of the family

contents

Contents do not include: a) tenants fi ures and fittings except to the extent covered under the TENANTS PROPERTY AND LIABILITY xt extension b) property more specifically insured by this policy or any other policy c) money or credit cards d) deeds, securities, bonds, manuscripts and documents except to the extent covered under the DOCUMENTS AND TITLE DEEDS extension e) any kind of electronic data, or audio or visual recordings, not otherwise specifically included within this definition f) any written or printed confirmation of any gambling transaction g) jet-skis, surfboards, sailboards, windsurfers and any other watercraft, aircraft, hovercraft, any motor vehicle, horse-boxes, trailers, trailer-tents, caravans and their respective parts and accessories designed for or intended for use on or in any of them h) property held or used either wholly or partly for bus ness or professional purposes except to the extent i covered under e OFFICE CONTENTS extension thi) living creatures j) cookers, hobs or other cooking equipment or electrical appliances forming part of fitted units k) the property of tenants, paying guests, visitors or children being minded


made and sold by a particular company and protected by registered trademark

passports, driving licences, certificates of birth, death or marriage

the period shown in the schedule a law firm or barristers’ chambers DAS choose to provide legal services. These legal specialists are chosen as they have the proven expertise to deal with your claim and must comply with DAS agreed service standard levels, which DAS audit regularly. They are appointed according to the DAS Standard Terms of Appointment

personal documents proprietary

period of insurance preferred law firm

outbuildings do not include caravans, mobile homes, motor homes or any vehicle converted for static domesticuse, garages and open sided structures

the following structures used solely for omestic purposes within the home’s boundaries: d• sheds, greenhouses, summer houses • other buildings that do not internally communicate with or are detached from the main structure of the home

outbuildings

motor vehicle

money

insured person insured incident home

garden contents

motor vehicle does not include any:a) vehicle used only as domestic gardening equipment within the home’s boundaries b) vehicle designed to help disabled pe ple provided the vehicle is not required to be registered for road use oc) battery operated golf carts or trolleys d) pedestrian controlled toy or model

any electrically or mechanically propelled vehicle for adults or children

any member of the family. Anyone claiming under section 4 (Legal Expenses) must have your agreement to claim • current coins and banknotes• unused current postage stamps which are not part of a collection, trading stamps, savings stamps, postal orders, money orders • luncheon and consumer redemption ouchers, gift tokens, petrol coupons, pre-booked event and v entertainment tickets, phone-cards • cheques, travellers cheques, travel t ckets (including season tickets), bankers drafts i• savings certificates, premium bonds all belonging to a member of the family and held for social, domestic or charitable purposes only and including any money you hold in connection with business activities.

as specified under ‘WHAT IS COVERED’ within section 4 (Legal Expenses)

your private dwelling at the Location shown in the schedule together with its garages and outbuildings

flowerbeds, plants, shrubs ns, trees, ornaments or statues in the open but within the home’s boundaries up, lawto a limit of £250 any item

an extensive examination by HM Revenue & Customs which considers all aspects of the insured person's tax affairs, but not enquiries which are limited to one or more specific aspects of the insured person's self- assessment tax return

you, your spouse or partner, relatives and any other person (other than tenants or paying guests) all permanently living in the home

full enquiry

family

the first amount of any claim for which you are responsible

Application of excess. Where: • more than one excess applies to a claim for the same event, only the highest excess will be applied • you have elected to have a voluntary excess in return for a premium discount, then this amount will be shown in the schedule and added to the excess amount for which you would otherwise be responsible. The voluntary excess does not apply to any extensions to the sections

excess domestic employee

• for civil cases (except under insured incident 6 - TAX PROTECTION), the date of occurrence is the da oftethe event which may lead to a claim. If there is more than one event arising at the same time or from the same originating cause, the date of occurrence is the date of the first of these events

• for criminal cases, the date of occurrence is when the insured person began or is alleged to have begun to break the criminal law in question

• for full enquiries, the date of occurrence is when HM Revenue & Customs first notifies in writing the intention to make enquiries

a person employed by a member of the family to solely carry out domestic duties for the family

DAS DAS Standard Terms of Appointment

date of occurrence

damage/damaged

credit cards

DAS Legal Expenses Insurance Company Limited the terms and conditions (including the amount DAS will pay to an appointed representative) that apply to the relevant type of claim, which could include a conditional fee agreement (no win, no fee)

loss of or damage

bank cards, cash cards, charge cards, cheque cards, credit cards or debit cards all belonging to a member of thefamily and held for social, domestic or charitable purposes only

a) for section 4 (Legal Expenses) are: i) all reasonable and necessary cost chargeable by the appointed representative and agreed by us in accordance with DAS s

Standard Terms of Appointment ii) the costs incurred by opponents in civil cases if you have been ordered to pay for them, or you pay them with the agreement by DAS b) for all other sections of this policy are: i) legal costs and expenses recoverable from you by any claimant ii) defence costs and expenses incurred with our written consent

Definitions continued costs and expenses

15


you / your / insured

we / us / our

valuables

unspecified personal possessions

unoccupied

terrorism

a) for section 4 ( Legal Expenses):

i) the person who has taken out the policy (the policyholder) and any member of their family who always lives with them. This includes students temporarily living away from home and unmarried partners.

Anyone claiming under this policy must have the policyholder’s agreement to claim.

b) for all other sections: i) the person(s) named in the schedule as the policyholder

Ansvar Insurance

Unspecified personal possessions do not include:a) money, credit cards , tickets, slips or papers confirming any wager, lottery or gaming transaction of any kind b) works of art, pictures, curios, antiques, collections c) business goods or any property used for business purposes d) deeds, securities, bonds, certificates, documents of any ind other than personal documents ke) any kind of electronic data, or audio or visual recordings f) conta t lenses, dentures, hearing-aids cg) tools h) any motor vehicle i) hang-gliders, parach tes and all other aircraft uj) weapons of any kind k) windsurfers, sailboards, surfboards and all other watercraft l) property more specifically in ured by this or by any other policy s• works of art, pictures, curios • antiques (ot er than furniture) h• collections • jewellery (including costume jewellery), watches, furs • items of gold, silver or other precious metals

• clothing and personal articles • jewellery (including costume jewellery), watches, furs • items of gold, silver or other precious metals • office equipment owned by a family member all designed to be personally worn, used or carried about the person • pedal cycles but we will not pay more than: a) £150 for a y pedal cycle with any family member while attending university or college n or otherwise b) £350 for any pedal cycle

if the home is a) occupied by squatters b) not lived in by either the family or anyone authorised by you for more than 60 consecutive days c) without sufficient furniture and furnishings for normal living purposes

an act, including but not limited to the use of force or violence and/or the threat thereof, by any person or gro p uof persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological, ethnic or similar reasons including the intention to influence any government and/or to put the public or any section of the public in fear

for civil cases, the prospects that you will recover losses or damages (or obtain any other legal remedy that DAS have agreed to, including an enforcement of judgment), make a successful defence or make a successful defence of an appeal, must be at least 51%. DAS or a preferred law firm on DAS’s behalf, will assess when there are reasonable prospects a) for section 4 (Legal Expenses) are: i) the European Union, the Channel Islands, the Isle of Man, Albania, Andorra, Bosnia Herzegovina, Croatia, Gibraltar, Iceland, Liechtenstein, Macedonia, Monaco, Montenegro, Norway, San Marino, Serbia, Switzerland and Turkey for insured incident 2 (Contract Disputes), insured incident 3 (Personal Injury) and insured incident 4

(Clinical Negligence) ii) the United Kingdom of Great Britain and Northern Ireland, the Isle of Man and the Channel Islands for all other insured incidents b) for all other sections of this policy are: i) England, Scotland, Wales, Northern Ireland, the Republic of Ireland, the Channel Islands and the Isle of Man

reasonable prospects territorial limits

Definitions continued 16

you / your / insured

we / us / our

valuables

unspecified personal possessions

unoccupied

terrorism

a) for section 4 ( Legal Expenses):

i) the person who has taken out the policy (the policyholder) and any member of their family who always lives with them. This includes students temporarily living away from home and unmarried partners.

Anyone claiming under this policy must have the policyholder’s agreement to claim.

b) for all other sections: i) the person(s) named in the schedule as the policyholder

Ansvar Insurance

Unspecified personal possessions do not include:a) money, credit cards , tickets, slips or papers confirming any wager, lottery or gaming transaction of any kind b) works of art, pictures, curios, antiques, collections c) business goods or any property used for business purposes d) deeds, securities, bonds, certificates, documents of any ind other than personal documents ke) any kind of electronic data, or audio or visual recordings f) conta t lenses, dentures, hearing-aids cg) tools h) any motor vehicle i) hang-gliders, parach tes and all other aircraft uj) weapons of any kind k) windsurfers, sailboards, surfboards and all other watercraft l) property more specifically in ured by this or by any other policy s• works of art, pictures, curios • antiques (ot er than furniture) h• collections • jewellery (including costume jewellery), watches, furs • items of gold, silver or other precious metals

• clothing and personal articles • jewellery (including costume jewellery), watches, furs • items of gold, silver or other precious metals • office equipment owned by a family member all designed to be personally worn, used or carried about the person • pedal cycles but we will not pay more than: a) £150 for a y pedal cycle with any family member while attending university or college n or otherwise b) £350 for any pedal cycle

if the home is a) occupied by squatters b) not lived in by either the family or anyone authorised by you for more than 60 consecutive days c) without sufficient furniture and furnishings for normal living purposes

an act, including but not limited to the use of force or violence and/or the threat thereof, by any person or gro p uof persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological, ethnic or similar reasons including the intention to influence any government and/or to put the public or any section of the public in fear

for civil cases, the prospects that you will recover losses or damages (or obtain any other legal remedy that DAS have agreed to, including an enforcement of judgment), make a successful defence or make a successful defence of an appeal, must be at least 51%. DAS or a preferred law firm on DAS’s behalf, will assess when there are reasonable prospects a) for section 4 (Legal Expenses) are: i) the European Union, the Channel Islands, the Isle of Man, Albania, Andorra, Bosnia Herzegovina, Croatia, Gibraltar, Iceland, Liechtenstein, Macedonia, Monaco, Montenegro, Norway, San Marino, Serbia, Switzerland and Turkey for insured incident 2 (Contract Disputes), insured incident 3 (Personal Injury) and insured incident 4

(Clinical Negligence) ii) the United Kingdom of Great Britain and Northern Ireland, the Isle of Man and the Channel Islands for all other insured incidents b) for all other sections of this policy are: i) England, Scotland, Wales, Northern Ireland, the Republic of Ireland, the Channel Islands and the Isle of Man

reasonable prospects territorial limits

Definitions continued 16


Damage:a) if the home is left unoccupied b) to the installation itself.

9 Escape of oil from any fixed domestic heating installati n. oUnder this event we will also cover the necessary and reasonable costs that you incur in locating the source of escaping oil, including repairing, replacing or reinstating damage to any part of the buildings caused by the search, subject to a limit of £5,000 any claim.

Escape of water from any water tank, pipe (including drainagepipes and gutter ), fixed domestic appliance or fixed domestic sheating system. Under this event we will also cover: a) damage to the installation itself (but not domestic appliances) by freezing or forcible and violent burstin gb) the necessary and reasonable costs that you incur in locating the source of escaping water, including repairing, replacing or reinstating damage to any part of the buildings aused by the search, subject to a limit of £5,000 c any claim.

8

Storm or flood. 7

1. Damage:a) if the home is left unoccupied b) to any installation caused by corrosion or wear and tear c) to any install tion or appliance outside the buildings or in an a outbuilding. 2. Subsidence, heave or landslip caused by escape of water.

Damage:a) to fences, gates or hedges b) caused by frost, subsidence, heav or landslip e c) caused by rising water table levels d) as defined within event 8 (escape of water).

Damage:a) if the home is left unoccupied b) by any person lawfully in the home.

Damage under event 4a):a) to fences, gates or hedges b) caused during tree felling, lopping or topping operations.

4

Damage caused by insects or domestic pets. Damage if the home is left unoccupied. Smoke damage by any gradually operating cause.

Malicious people or vandals. 6 5

SPECIAL NOTES (not forming part of the policy): 1. Loss or damage to the actual dishes, aerials and masts

is covered under section 2 (Contents). Riots, strikes, civil commotion, labour and political disturbances.

Falling: a) trees, branches, telegraph poles or lamp posts. Under this event we will also cover the cost of removing the fallen item which caused damage to the buildings b) satellite dishes, television or radio aerials, fittings or masts

Impact by: a) aircraft and other aerial de ices or articles falling from them vb) trains, vehicles or animals.

Theft or attempted theft. 3 2

EVENTS 1. Fire, smoke, lightning, explosion or earthquake.

WHAT IS NOT COVERED1. The excess shown in the schedule for events 1 to 11. 2. £100 excess for garages, car ports and outbuildings not built of brick, stone or concrete and roofed with slates, tiles, or concrete. 3. £250 excess in respect of damage resulting solely from storm damage to any felt roof area of the buildings.

Section 1 Buildings WHAT IS COVERED We will pay for damage to buildings caused by events 1 to 11

17


1. £50 excess.2. Damage if the home is left unoccupied.

FIXED GLASS AND SANITARY FITTINGS We will pay for accidental breakage of: a) fixed glass, incl ding glass in solar panel units ub) sanitary fittings c) ceramic hobs in fixed units which form part of the buildings an any consequent damage dto the buildings by such breakage.

4

1. £100 excess.2. Damage due to faulty or inadequate design, manufacture, construction or installation.

WHAT IS NOT COVERED

The most we will pay is £1,000 for any claim.

EMERGENCY ACCESS We will pay for damage to the buildings caused by necessary forced access by the emergency services.

3 The most we will pay is £30,000 for any claim.

ALTERNATIVE ACCOMMODATION AND LOSS OF RENTIf we accept a claim under any of events 1 to 11 of this sectio nand the home cannot be lived in because of the damage, we will pay for: a) rent which you still have to pay b) loss of rent otherwise payable to you c) the cost of reasonable alternative accommodation for the family and domestic pets but only until the home is fit to live in again.

2

Under b) above we will also pay up to £1,000 for any claim forbreaking into and repairing an underground service pipe to clear a blockage where all other methods to free the blockage have failed.

WHAT IS COVERED ACCIDENTAL DAMAGE TO SERVICES We will pay for accidental damage to: a) drain inspection covers and septic tanks b) underground service pipes and cables extending from the home to the public supply for which you are legally responsible.

1

Extensions to Section 1 Buildings

1. Damage:a) while the home or any part of it is lent, let or sub-let b) covered or not ered elsewhere in this section, policy or any cov endorsements c) if the home is left unoccupied. 2. Damage caused by or resulting from: a) movement, settlement or shrinkage b) construction, demolition, structural alteration, structural repair or extension of t e buildings hc) domestic pets d) faulty workmanship, defective design or the use of defective materials.

Accidental damage to the buildings.11

WHAT IS NOT COVERED

Damage caused by or resul ng from: ticoastal or riverbank erosion bedding down of new structures settlement of newly made up ground normal settlement, shrinkage or expansion construction, demolition, structural lteration or structural repair awithin the boundaries of the home ground works or excavations within the boundaries of the home faulty wo manship or design or the use of defective materials. rkDamage: to or resultant from the movement of solid floor slabs unless thefoundations beneath the load bearing walls of the home are damaged at the same time and by the same cause unless the main structure of the home, garage or outbuildings are damaged by the same cause at the same time.

f)g) 2. a)

1.a) b) c) d) e)

Subsidenc or heave of the site on which the buildings standeor landslip.

WHAT IS COVERED 10

Section 1 Buildings continued 18


Extensions to Section 1 Buildings continued 19 WHAT IS COVERED

KEYS LOST OR STOLEN We will pay the reasonable cost of replacing and installing external door locks of the home where the keys of such locks have been lost or stolen. You can claim under either section 1(Buildings) or 2(Contents), whichever is operative, but not both for the same loss.

5 WHAT IS NOT COVERED

Keys and locks of any outbuildings.

The most we will pay is £500 for any claim 6 SALE OF THE HOME

When you have contracted to sell the home the buyer will have the benefit of cover under section 1 (Buildings) until completion of the sale.

Any claim if the buyer is insured under any other policy.

7 PROPERTY OWNERS LIABILITY a) We will pay all amounts which you become legally liable to pay as owner (not as occupier) of the buildings and s land it for damages and costs and expenses if accidental: i) bodily injury to any person, r o ii) damage to material property occurs during the period of insurance.

1. Liability arising from:a) bodily injury of a member of the family or any person employed by a member of the family b) damage to property belonging to or under the control of a member o the family or any person employed by a member of f the family c) an agreement unless liability would have existed without the agreement d) any business, profession or occupation other than where you re a responsible as owner of the buildings for business activities e) a claim under the Defective Premises Act which is insured by a more recent or current policy f) costs of remedying any fault or alleged fault i any private n residence you previously owned or occupied g) the ownership or use of any lift or motor vehicle. 2. Liability for: a) fines, pen lties or punitive, exemplary, aggravated or multiplied a damages b) liquidated damages. 3. Liability covered by any other insurance.

b) Cover under a) above also extends to the: i) buildings of any home you used to live in ii) buildings for 7 years after the date of cancellation f o section 1 of this policy due to sale of the buildings but only in respect of your legal liability under Section 3 of the Defective Premises Act 1972 or Section 5 of the Defective Premises Act (Northern Ireland) Order 1975.

INDEMNITY LIMIT The most we will pay for any claim (or series of claims arising from any one event, source or cause), including all costs nd aexpenses, is the Property Owners Liability indemnity limit shown in the schedule.

SPECIAL NOTES (not forming part of the policy): 1. If you own and occupy the buildings:

liability for bodily injury or damage generally attaches to the occupier rather than the owner.

2. If you are the owner and occupier: insurance against your liability as occupier is not covered under this extension. You should ensure that you have contents insurance which provides the occupiers liability cover you need. We can provide this under Section 2 of the policy.


20 Claims settlement for Section 1 Buildings DAMAGE We can choose to settle any claim for damage by either: • paying for the full cost of repairing, replacing or reinstating the buildings, or • by making a cash payment.

COSTS AND FEES Subject to the LIMITS below, claims settlement for damage will include payment for the following costs and fees: • the cost of clearing the site and making it safe • architects', surveyors' and other professional fees necessary to reinstate the buildings • the additional costs of rebuilding or repairing the damaged parts of the buildings solely to comply with any governm nt or local authority e requirements, but not for costs relating to requirements that have been advised to you before the damage occurred. We will not pay for any fees or costs incurred by you to prepare your claim.

EXCESS The amount of any applicable excess will be deducted from any claim payment.

LIMITS 1) The most we will pay in respect of any claim for damage ncluding COSTS AND FEES above) is the: (i • specific limit shown in any definition, event, extension, or • sum insured shown in the schedule plus an amount for index linking where the sum insured is exceeded solely because of index linking. 2) The most we will pay in respect of any claim for liability is the indemnity limit shown in the schedule for PROPERTY OWNERS LIABILITY.

INDEX LINKING We will continue to apply our automatic inflation provision (to reflect general changes in rebuilding costs and inflation trends) during rebuilding or repair work providing there is no unnecessary delay.

WEAR AND TEAR In any settlement for damage, a deduction for wear and tear and betterment will be made if: • the sum insured on the buildings (including an amount for clearance costs and architects’ and surveyors’ fees) at the time of the damage is less than the full cost of rebuilding to the same specif cation i• the buildings are in a poor state of repair or decoration.

REDUCTION IN MARKET VALUE • If the repair or reinstatement of damage is not carried out we will pay the resultant reduc on in the market value of the home but not ti exceeding what it would have cost to repair or reinstate had such work been carried out. • We will not pay for any reduction in market value of the home after damage has been repaired, replaced or reinstated.

MATCHING PROPERTY We will not pay for the cost of replacing any undamaged property which forms part of a set (other than a pair) or suite or any other property of a uniform nature, colour or design, in ding carpets, when damage happens to a specific part or within a clearly identifiable area and clureplacements cannot be matched.

AUTOMATIC REINSTATEMENT OF THE SUM INSURED The sum insured shown in the schedule will not be reduced by a claim payment.


Damage resulting from coastal or riverbank erosion. Subsidenc heave of the site on which the buildings stande oror landslip.

10

Damage if the home is left unoccupied.

The most we ill pay in respect of loss of heating oil is £1,000wfor any claim.

Under this event we will also for the loss of heating oil as a paydirect result of such escape.

Escape of oil from any fixed domestic heating installation. 9

The most we will pay n respect of loss of metered water is i£1,000 for any claim.

Under this event we will also pay or the loss of metered water fas a direct result of such escape.

Escape of water from any water tank, pipe (including drainagepipes and gutters), fixed appliance or fixed heating system.

8

Storm or flood. 7

Damage if the home is left unoccupied.

Damage:a) caused by rising water table levels b) as defined within event 8 (escape of water).

Damage:a) if the home is left unoccupied b) by any person lawfully in the home.

6 5

1. Damage caused during tree felling, lo ping or topping operations.p2. The cost of removing any fallen item.

4

Malicious people or vandals. Riots, strikes, civil commotion, labour and political disturbances.

Falling: a) trees, branches, telegraph poles or lamp posts b) satellite dishes, television or radio aerials, fittings or masts. Under this even 4b) we will also pay for damage to any of t the fallen items.

Impact by: a) aircraft and other aerial de ices or articles falling from them vb) trains, vehicles or animals.

3 Damage caused by insects or domestic pets

Damage:a) if the home is left unoccupied b) while the home or any part is lent, let or sub-let, or used other than for residential purposes unless violent force is used to enter or leave the home c) by deception unless used solely to gain entry to the home d) by any tenant, paying guest or member of the family.

Smoke damage by any gradually operating cause. Theft or attempted theft. 2

EVENTS 1 Fire, smoke, lightning, explosion or earthquake.

WHAT IS NOT COVERED

The excess shown in the schedule for events 1 to 11. £100 excess for contents in any garage or outbuildings. Valuables inside any garage or outbuildings at the home. Damage if you fail to comply with SPECIAL REQUIREMENT 1 for this section and such failure caused or worsened the damage.

1.2. 3. 4.

WHAT IS COVERED We will pay for damage to: a) contents inside the home caused by events 1 to 11 b) garden contents caused by events 1 to 6

Section 2 Contents 21


SPECIAL NOTES (not forming part of the policy wording): Where a claim is made under this extension a claim cannot also be made under section 3 (PERSONAL POSSESSIONS) unless it relates to a specified item.

£100 excess.Pedal cycles or wheelchairs. Damage by storm or flood while not in a building Damage to property more specifically insured under this policy or any other insurance.

1.2. 3. 4.

1. £50 excess.2. Damage more specifically insured

WHAT IS NOT COVERED

The most we will pay is: • £2,500 for any claim, or part claim, for valuables of a • £5,000 in total for any claim.

CONTENTS AT UNIVERSITY OR COLLEGE We will pay for damage to contents within, and in transit to orfrom, any living accommodation of a student member of the family at any university or college within the territorial limits caused by: a) any of events 1 or 3 to 10 of this section b) theft or attempted theft where iolent force is used to enter v or leave that accommodation.

3

The most we will pay is £500 for any item and £5,000 for anyclaim.

COLLECTIONS AT EXHIBITIONS We will pay for damage to collections, belonging to a me ber mof the family, away from the home while at any exhibition within the territorial limits for a maximum of four consec tive udays, or in transit to and from such exhibition, caused by: a) any of events 1 or 3 to 10 of this section b) theft or attempted theft where v olent force is used to enter i or leave the exhibition building, provided the collections emain in the custody and control of ran adult family member.

2

The most we will pay is 20% of the CONTENTS sum insuredshown in the schedule for any claim.

ALTERNATIVE ACCOMMODATIONIf we accept a claim under any of events 1 to 11 of this sectio nand the home cannot be lived in because of the damage, we will pay for: a) rent which you still have to pay b) the cost of reasonable alternative accommodation for the family and domestic pets but only until the home is fit to live in again.

WHAT IS COVERED 1

Extensions to Section 2 Contents

You are required to: keep any item of jewellery with a sum insured or value of £3,000 or more in a locked safe while within the home when it is not being worn or handled by you, except while such item is in the custody or control of a professional jeweller.

provide us with a valuation from an independent professional valuer within the United Kingdom (or any other valuation acceptable to us), in the event of a claim for damage to any valuables item (specified or unspecified) which has a sum insured or value of £3,000 or more.

2

1

Special Requirements for Section 2 Contents

3.a) b) c)

Damage:covered or specifically excluded in events 1 to 10 of section 2 while the home or any part is lent, let or sub-let if the home left unoccupied. isDamage to: property more specifically insured by section 3 (Personal Possessions) clothing (including furs) or co tact lenses nproperty not within the home the contents of any refrigerator or freezer any kind of electronic data, or audio or visual recordings, including proprietary d ta or recordings readily available from the amanufacturer. Damage caused: during any house old removal hby domestic pets faulty workmanship, defective design or the use of defective materials.

b)c) d) e)

1.a) b) c) 2. a)

WHAT IS NOT COVERED

Accidental damage to the contents.

WHAT IS COVERED 11

22 Section 2 Contents continued


The most we will pay is £500 for any claim


11

1. £50 excess.2. Valuables. 3. China, glass, earthenware and other items of a brittle nature unless packed by professional packers. 4. Damage not reported to us within 14 days of delivery to the new home.

10


HOUSEHOLD REMOVAL We will pay for accidental damage to contents while in the course of removal by professional removal contractors from e thhome to any new permanent residence within the territorial limits including temporary storage up to 7 days.

GLASS, MIRRORS AND CERAMIC HOBS We will pay for accidental breakage of fixed glass in furniture, glass tops to furniture, mirrors and ceramic hobs or tops in free- standing cookers while in the home.

9

The most we will pay for all claims in any one period of insurance is £10,000.

FATAL INJURY If you or your spouse, or partner, living with you dies within 3 months of, and as a direct result of, injury caused in the h me oby fire or thieves we will pay £5,000 to the legal ersonal prepresentatives of you, your spouse or partner.

8

1. £50 excess.2. Electronic data of any kind. 3. Securities or any other form of document having an intrinsic or negotiable v lue. a4. Documents: a) used for business, trade, profession or employment purposes b) covered by any other insurance.

The most w will pay is £1,000 for all claims in any period ofeinsurance.

DOCUMENTS AND TITLE DEEDS We will pay to reinstate th e:a) title deeds to the home b) personal documents of any family member that a damaged by any operative event 1 to 11 of this section rewhile: i) inside the main building of the home ii) deposited for safekeeping at any bank, solicit rs or building o society anywhere within the territorial limits.

7

1. Unauthorised use by a member of the family. 2. Losses not reported to he police and the issuing authority within t 24 hours of discovery. 3. Financial loss where the conditions under which the credit card is issued have not been observed.The most we will pay is £1,000 for any claim.

CREDIT CARDS We will pay for financial loss following unauthorised use anywhere in the world of credit cards.

6

1. £100 excess.2. Pedal cyc es or wheelchairs. 3.

l Damage: a) while removed for sale, exhibition, or to a furniture depository b) by storm, flood, theft or attempted theft while not in a building. 4. Contents in the custody or control of any student member of the family while they are living away rom the home for the purpose f of attending university or college. 5. Property held or used either wholly or partly for business or professional purposes. 6 Damage to property more specifically insured under this policy or any other insurance.

1. £100 excess.2. Valuables.

WHAT IS NOT COVERED


CONTENTS TEMPORARILY REMOVED We will pay for damage to contents when temporarily ed removfrom the home within the territorial limits aused by: ca) any of events 1 or 3 to 10 of this section b) theft or attempted theft: i) from a bank, safe deposit or any building in which a member of the family is living or employed ii) where violent force is used to enter or leave a building.

5 The most we will pay for contents is £1,000 for any claim.

WHAT IS COVERED CONTENTS IN THE OPEN We will pay for damage to contents by any cause covered b yevents 1 to 10 of this section while in the open and within the boundaries of the home and its land.

4

Extensions to Section 2 Contents continued 23



The most we will pay is £500 for any claim


11

1. £50 excess.2. Valuables. 3. China, glass, earthenware and other items of a brittle nature unless packed by professional packers. 4. Damage not reported to us within 14 days of delivery to the new home.

10


HOUSEHOLD REMOVAL We will pay for accidental damage to contents while in the course of removal by professional removal contractors from e thhome to any new permanent residence within the territorial limits including temporary storage up to 7 days.

GLASS, MIRRORS AND CERAMIC HOBS We will pay for accidental breakage of fixed glass in furniture, glass tops to furniture, mirrors and ceramic hobs or tops in free- standing cookers while in the home.

9

The most we will pay for all claims in any one period of insurance is £10,000.

FATAL INJURY If you or your spouse, or partner, living with you dies within 3 months of, and as a direct result of, injury caused in the h me oby fire or thieves we will pay £5,000 to the legal ersonal prepresentatives of you, your spouse or partner.

8

1. £50 excess.2. Electronic data of any kind. 3. Securities or any other form of document having an intrinsic or negotiable v lue. a4. Documents: a) used for business, trade, profession or employment purposes b) covered by any other insurance.

The most w will pay is £1,000 for all claims in any period ofeinsurance.

DOCUMENTS AND TITLE DEEDS We will pay to reinstate th e:a) title deeds to the home b) personal documents of any family member that a damaged by any operative event 1 to 11 of this section rewhile: i) inside the main building of the home ii) deposited for safekeeping at any bank, solicit rs or building o society anywhere within the territorial limits.

7

1. Unauthorised use by a member of the family. 2. Losses not reported to he police and the issuing authority within t 24 hours of discovery. 3. Financial loss where the conditions under which the credit card is issued have not been observed.The most we will pay is £1,000 for any claim.

CREDIT CARDS We will pay for financial loss following unauthorised use anywhere in the world of credit cards.

6

1. £100 excess.2. Pedal cyc es or wheelchairs. 3.

l Damage: a) while removed for sale, exhibition, or to a furniture depository b) by storm, flood, theft or attempted theft while not in a building. 4. Contents in the custody or control of any student member of the family while they are living away rom the home for the purpose f of attending university or college. 5. Property held or used either wholly or partly for business or professional purposes. 6 Damage to property more specifically insured under this policy or any other insurance.

1. £100 excess.2. Valuables.

WHAT IS NOT COVERED


CONTENTS TEMPORARILY REMOVED We will pay for damage to contents when temporarily ed removfrom the home within the territorial limits aused by: ca) any of events 1 or 3 to 10 of this section b) theft or attempted theft: i) from a bank, safe deposit or any building in which a member of the family is living or employed ii) where violent force is used to enter or leave a building.

5 The most we will pay for contents is £1,000 for any claim.

WHAT IS COVERED CONTENTS IN THE OPEN We will pay for damage to contents by any cause covered b yevents 1 to 10 of this section while in the open and within the boundaries of the home and its land.

4



1. £100 excess.2. Damage if the home is left unoccupied. 3. The exclusions listed as WHAT IS NOT COVERED against the event that causes the damage.

18

The most we will pay for any claim or series of claims arisingfrom one event or original caus is 20% of the CONTENTS sum einsured shown in the schedule.

TENANT’S PROPERTY AND LIABILITY If you are the tenant of the home, we will pay for damage caused by any operative event 1 to 10 of section 1 (Buildings) to any: a) fixtures and fittings, decorations, greenhouses or heds you s have installed at the home and for which you are responsible b) part of the buildings that you are gally responsible for as le tenant under a tenancy agreement provided section 1 Buildings is inoperative.

SPECIAL OCCASION INCREASE The sum insured on contents is aut matically increased by o£5,000 for 30 s before and after: daya) Christmas b) the wedding day of a member of the family.

17 £50 excess.

1. Damage:a) due to th deliberate act of the supply authority or its employees eb) to goods: i. used for trade or business purposes ii. not owned by, or the responsibility of, the family c) to the contents of any refrigerator or freezer over 15 years old. 2. £100 excess for contents of any refrigerator or freezer over 10 but not more than 15 years old.


16

1. £50 excess.2. Theft of accessories unless stolen with the pram or wheelchair. 3. Any powered wheelchair required to be registered for road use.

The most we will pay is £1,000 for any claim. REFRIGERATED CONTENTS We will pay for damage to the contents of any refrigerator or freezer unit within the home caused by: a) a rise or fall in temperature b) the escape of refrigerant or refrigerant fumes.

PRAMS AND WHEELCHAIRS We will pay for damage caused by any of events 1 to 11 of this section to prams and wheelchairs belonging to you or t a omember of the family while within the territorial limits.

15

The most we will pa is: y• £250 any one item • £1,000 for any claim.

PERSONAL EFFECTS OF VISITORSWe will pay for damage by any operati e event 1 to 10 of this vsection to the personal ef ects of your: fa) domes ic employees tb) visitors c) paying guests or children being minded as part of business activities while they are in your home.

14 1. £50 excess.2. Valuables or money.

1. £100 excess.2. The exclusions listed as WHAT S NOT COVERED against the I event that causes the damage. 3. Money, securities or any oth r form of document having an e intrinsic or negotiable value. 4. Stock and aterials of trade not specifically covered by this m extension. 5. Any costs of reconstituting manuscripts, documents, electronic data or information or software other than the actual replacement costs of the materials on which the information is held. This exclusion does not apply to the cost of replacing items of proprie y manufacture purchased by any member of the tar family. 6. Damage covered elsewhere in this policy or by any other Insurance.

1. £25 exc ss.e2. Money: a) inside any garage or outbuildings at the home b) for any trade, business, or profession other than for business activities. 3. Shortages due to error, omission or depreciation. 4. Losses not reported to the police within 24 hours of discovery.

WHAT IS NOT COVERED

The most we will pay is: • £500 for any claim for stock • £10,000 for any claim in total

13 The most we will pay is £500 for any claim. OFFICE CONTENTS We will pay for damage caused by any operative event 1 to 11 of this section to any: a) item of office contents b) stock of stationery, samples or promotional items owned by any member of the family and used in connection with their trade, business or profession while inside the main building of the home.

WHAT IS COVERED MONEY W will pay for accidental loss of money anywhere in the world ein: a) the custody or control of a member of the family b) your custody and control if it relates to money for business activities

12



25 Extensions to Section 2 Contents continued WHAT IS COVERED WHAT IS NOT COVERED

19 LIABILITY TO DOMESTIC EMPLOYEES We will pay all amounts for which any member of the fam y ilbecomes legally liable to pay as damages and costs and expenses for bodily injury to domestic employees occurring during the period of insurance within the terr orial limits and itarising from the work they are employed to do.

Liability for:a) which compulsory motor insurance or security is required b) or arising out of business activities r any other business or o profession of a member of the family c) fines, penalties or punitive, exemplary, aggravated or multiplied damages d) liquidated damages.

INDEMNITY LIMIT The most we will pay for any claim or series of claims arising from one event or original cause, including costs and expenses, is the amount of the Indemnity Limit shown in th eschedule but limited to £5,000,000 in respect of any liability directly or indirectly caused by, resulting from or in any connection with any act of terrorism. If we allege that by reason of this limitation any liability for damages and costs an dexpenses is covered only up to a specified limit of liability, the burden of proving to the contrary shall be upon you.

20 OCCUPIERS, PERSONAL AND B SINESS LIABILITY UWe will pay all amounts for which: a) a member of the family (or after the death of that memb r e of the family the legal representatives) becomes legally liable to pay as damages and costs and expenses: i.as occupier of the buildings, o r ii.in any other personal capacity b) you become legally liable to pay as damages and costs and expenses for any business activities for accidental bodily injury to any person or damage to property occurring during the period of insurance.

1. Liability arising from:a) bodily inj ry to a member of the family or any domestic u employee b) damage to property belonging to or under the cont ol of a r member of the family or any domestic employee c) an agreement unless liability would have existed without the agreement d) any business, profession or occu t included in the pation no definition of business activities e) ownership of any land or building including the buildings. 2. Liability arising from ownership, possession or use of any: a) aircraft or hovercraft (other than models) b) watercraft (other than models) unless propelled solely by hand or foot

INDEMNITY LIMIT The most we will pay for any claim or series of claims arising from one event or original cause, including costs and expenses, is the amount of the Indemnity Limit shown in the schedule.

c) motor vehicle d) caravans or trailers while being towed or while attached to a vehicle e) dog of a type described in the Dangerous Dogs Act 1991, Dangerous Dogs (Northern Ireland) Order 1991 or any amending or subsequent legislation of similar intent f) living creatures othe than pets that are normally domesticated in r the United Kingdom g) firearms (e ept shotguns or air guns used for sporting activities). xc3. Liability for: a) fines, penalties or punitive, exemplary, aggravated or multiplied damages b) liquidated damages. 4. Any action for da ages brought in a court of law outside the m territorial limits. 5. In respect of business activities, th exclusions detailed in 1 to 4 e abo e apply and also liability arising: va) for: i) damage to property or any part on which you have been working where the damage results from such work ii) any ompensation awarded by a court of criminal jurisdiction cb) from: i) abuse of any kind during any childminding service ii) treatment (other than first aid from the making up, sale or ) or supply of drugs or medicines iii) any error or omission in the provision of profession services al iv) counselling or advice given (or omitted to be given) v) design, formula or specification vi) any commodities or goods sold, supplied or hired ou t, constructed, erect d, installed, repaired, serviced or e processed by you vii) manual work other than delivery or collection by you viii) libel, slander or defamation.


AUTOMATIC REINSTATEMENT OF THE SUM INSURED The sum insured shown in the schedule will not be reduced by a claim payment.

COLLECTIONS • where there is a nationally recognised catalogue available for any collectable, we shall not pay more than 50% of the current list value within that catalogue for any item within a collection • where there is no nationally recognised catalogue we will not pay more than 50% of a valuation from a full time professional dealer in such collectables within the United Kingdom (or any other valuation acceptable to us) for any item within a collection. All subject otherwise to the limits stated for collections.

MATCHING SETS We will not pay for the cost of replacing any undamaged items which form part of a set (other than a pair) or suite or any other item of a uniform nature, colour or design, in ding carpets, when damage happens to a specific part or within a clearly identifiable area and clureplacements cannot be matched.

WEAR AND TEAR A deduction for wear and tear and betterment will be made: • in respect of clothing and household linen • if the sum insured shown in the schedule at the time of the damage is less than the full cost of replacement as new (after allowing for wear and tear on clothing and household linen).

INDEX LINKING The sums insured under this section are not index linked.

LIMITS 1. The most we will pay in respect of any claim for damage: • to valuables is £3,000 for any item and in total the limit shown in the schedule • to contents in garages and outbuildings of the home is 10% of the sum in ured shown in the schedule s • by theft of contents from gara es and outbuildings of the home is £2,500 g • to garden contents is £1,000 • is the specific limit shown in any definition, event r extension, o • overall is the sum insured shown in the schedule. 2. The most we will pay in respect of any claim for liability is the indemnity limit shown in the: • schedule for OCCUPIERS, PERSONAL AND BUSINESS LIABILITY and LIABILITY TO DOMESTIC EMPLOYEES • specific extensions for TENANT’S LIABILITY and UNRECOVERED COURT AWARDS.


CLEARANCE COSTS Subject to t e LIMITS below, settlement will include payment for the cost of clearing any debris of the damaged property insured following a hvalid claim.

Claims settlement for Section 2 Contents DAMAGE We can choose to settle any claim for damage by either: • paying for the full cost of repairing or by replacing the property insured as new, or • by making a cash payment. Where we elect to replace damaged property we may use one of our preferred suppliers.

An award against:which an appeal is pending a member of the family. Any award arising directly or indirec y from the activities of any tlbusiness, profession or occupation.

1.a) b) 2.

WHAT IS NOT COVERED

INDEMNITY LIMIT The most we will pay for any claim or series of laims arising cfrom one event or original cause is £2,000,000.

UNRECOVERED COURT AWARDSWe will pay the outstanding amount awarded to you, your spouse or domestic partner living with you, by a court in the territorial limits which is still unpaid 3 months after the d te of athe award, but only if the OCCUPIER’S PERSONAL AND BUSINESS LIABILITY extension to this section would have insured you had the award been made against you.

WHAT IS COVERED 21

26 Extensions to Section 2 Contents continued


You are required to: keep any item of jewellery with a sum insured or value of £3,000 or more in a locked safe while within the home when it is not being worn or handled by you, except while such item is in the custody or control of a professional jeweller.

provide us with a valuation from an independent professional valuer within the United Kingdom (or any other valuation acceptable to us), in the event of a claim for damage to any valuables item (specified or unspecified) which has a sum insured or value of £3,000 or more. either: a) store in a locked building, or b) secure to a permanently fixed structure by a proprietary locking device any pedal cycle insured by this section whenever it is left unattended outside the boundary of the home.

3

2

1

Special Requirements for Section 3 Personal Possessions

1. The excess shown in the schedule, but this amount will be increased to £100 in respect of any claim: a) for property with a family member who is attending university or college provided such property is not otherwise cover d e under the CONTENTS AT UNIVE OR COLLEGE RSITY extension to section 2 (Contents) b) resulting from theft from any unattended motor vehicle. 2. Damage: a) occurring in the home while it is noccupied ub) covered by ny other insurance. a3. Damage to: a) sports equipment and clothing in the course of play or use b) strings, reeds or drumhea s on musical instruments dc) guns by internal explosion d) documents except to the extent covered within unspecified personal possessions or any specified item of this section e) any kind of electronic data, or audio or visual recordings f) any written or printed confirmation of any gambling transaction g) property held or used for any business, profession or occupation other than office quipment owned by a family member eh) livestock or pets i) hang-gliders and any other aircraft, motor vehicles, caravans, watercraft (other than windsurfers, sailboards and surfboards) and their parts or accessories. 4. Damage caused by or resulting from: a) fraud, deception (unless used solely to gain entry to the home) or alse payment b) domestic pets c) faulty wo manship, defective design or the use of defective rk materials d) theft: i) from any unattended motor vehicle unless the property is concealed in a glove compartment, locked luggage compartment or boot and all window and sunroofs are s securely closed and all doors cked lo ii) from any unlocked hotel room iii) of pedal cycle tyres and accessories unless the pedal cycle is stolen at the same time e) racing, pacemaking or trials f) any deliberate, malicious or wilful act by a member of the family or by any person lawfully in the home. 5. Damage if you fail to comply with Special Requirement 1 or 3 for this section and such failure caused or worsened the damage.

WHAT IS NOT COVEREDWHAT IS COVERED We will pay for damage to: a) unspecified personal possessions b) any other specified property that belongs to, or is the legal responsibility of, a member of the family and is listed in the P rsonal Possessions Specification on the eschedule, when anywhere: i) within the territorial limits, or ii) temporarily outside the territorial limits for a period not exceeding 60 days while in the custody or control of a member of the family.

Section 3 Personal Possessions 27


AUTOMATIC REINSTATEMENT OF THE SUM INSURED The sum insured for any item shown in the PERSONAL POSSESSIONS SPECIFICATION part of the schedule will not be reduced by a claim payment unless the property insured under that item is totally lost or destroyed and it does not form part of an item covering unspecified property.

COLLECTIONS: • where there is a nationally recognised catalogue available for any collectable, we shall not pay more than 50% of the current list value within that catalogue for any item within a collection • where there is no nationally recognised catalogue we will not pay more than 50% of a valuation from a full time pro essional dealer in such f collectables within the United Kingdom (or any other aluation acceptable to us) for any item within a collection. vAll subject otherwise to the limits stated for collections.

MATCHING SETS We will not pay for the cost of replacing any undamaged items which form part of a set (other than a pair) or suite or any other item of a uniform nature, colour or design, i cluding carpets, when damage happens to a specific part or within a clearly identifiable area and nreplacements cannot be matched.

WEAR AND TEAR A deduction for wear and tear and betterment wil be made: l • in respect of clothing (including sports clothing) • where the sum insured (including index nking) on any item at the time of the damage is less than the full cost of replacement as new (after li allowing for wear and tear on clothing).

INDEX LINKING The sums insured will be adjusted automatically in line with the Consumer Durables Section of the Retail Price Index. The renewal premium will be calculated on the revised sum insured.

LIMITS The most we will pay for any claim: • in respect of any item specified in the PERSONAL POSSESSIONS SPECIFICATION, is the sum insured against that item, and the tota l sum insured for all items, shown in the schedule plus index linking increases from the renewal date immediately prior to the date of the damage • that arises as a result of theft from any unattended motor vehicle is £1,000 • for unspecified property with a family member who is attending university or college is £1,000.


28 Claims settlement for Section 3 Personal Possessions DAMAGE We can choose to settle any claim for damage by either: • paying for the full cost of repairing or by replacing the property insured as new, or • by making a cash payment. Where we elect to replace damaged property we may use one of our preferred suppliers.


29 Section 4 Legal Expenses

SPECIAL NOTES The cover under this section has been arranged by us in conjunction with DAS Legal Expenses Insurance Company Limited (DAS). DAS is authorised and regulated by the Financial Services Authority (Register number 202106) and is a member of the Association of British Insurers. We are responsible for paying any claims under this policy but DAS manage all claims matters and correspondence on our behalf.

MAKING A CLAIM

Separate guidance notes are included in this document. Please see the index for the page number.

WHAT IS COVERED WHAT IS NOT COVERED

We agree to provide the insurance described in this section, in return for payment of the premium and subject to the terms, conditions, exclusions and limitations set out in this policy, provided that: a) reasonable prospects exist for the duration of the claim b) the date of occurrence of the insured incident is during the period of

insurance c) any legal proceedings are dealt with by a court, or other body which DAS agree

to, in the territorial limits and d) the insured incident happens within the territorial limits We will pay an appointed representative, on your behalf, cost and expenses incurred following an insured incident, provided that: a) the most we will pay for all claims resulting from one or more event arising at the

same time or from the same originating cause is £50,000 b) the most we will pay in costs and expenses is no more than the amount we

would have paid to a preferred law firm c) in respect of an appeal or the defence of an appeal, you must tell DAS within

the time limits allowed that you want to appeal. Before we pay the cost and expenses for appeals, DAS must agree that reasonable prospects exist

d) for an enforcement of judgement to recover money and interest due to you after a successful claim under this section, DAS must agree that reasonable prospects exist, and

e) where an award of damages is the only legal remedy to a dispute and the cost of pursuing legal action is likely to be more than any award of damages, the most we will pay in cost and expenses is the value of the likely award.

1. The first £250 of any claim for legal nuisance or trespass. You must pay this as soon as DAS accept the claim.

2. A claim where you have failed to notify DAS of the insured incident within a reasonable time of it happening and where this failure adversely affects the reasonable prospects of a claim or DAS consider their position has been prejudiced.

3. Costs and expenses incurred before DAS provide written acceptance of a claim.

4. Fines, penalties, compensation or damages that a court or other authority orders you to pay.

5. Any legal action you take that DAS or the appointed representative have not agreed to, or where you do anything that hinders DAS or the appointed representative.

6. Any claim where you may be one of a number of people involved in a legal action resulting from one or more events arising at the same time or from the same cause which could result in the court making a Group Litigation Order.

7. Any claim relating to written or verbal remarks that damage your reputation. 8. A dispute with DAS not otherwise dealt with under policy condition 7. 9. Cost and expenses arising from or relating to judicial review, coroner’s inquest

or fatal accident inquiry. 10. In the event of a claim, if you decide not to use the services of a preferred law

firm, you will be responsible for any costs that fall outside the DAS Standard Terms of Appointment and these will not be paid by us.

INSURED INCIDENTS: The following are not covered in respect of the insured incident against which they appear:

1 EMPLOYMENT DISPUTES A dispute relating to your contract of employment or future employment

1. A claim relating to the following: a) disciplinary hearings or internal grievance procedures b) any claim relating solely to personal injury c) a compromise agreement while you are still employed.

2 CONTRACT DISPUTES A dispute arising from an agreement which you have entered into in a personal capacity for: a) buying or hiring goods or services b) selling goods SPECIAL NOTE: 1. you must have entered into the agreement or alleged agreement during

the period of insurance, and 2. the amount in dispute must be more than £100.

1. A claim relating to the following: a) construction work on any land, or designing, converting or extending any

building where the contract value exceeds £5,000 (including VAT) b) the settlement payable under an insurance policy (DAS will cover a dispute if

your insurer refuses your claim, but not for a dispute over the amount of the claim)

c) a dispute arising from any loan, mortgage pension, investment or borrowing. d) a dispute over the sale, purchase terms of lease, license, or tenancy of land or

buildings. However, DAS will cover a dispute with a professional advisor in connection with these matters.

3 4

PERSONAL INJURY A specific or sudden accident that causes your death or bodily injury to you. CLINICAL NEGLIGENCE An identified negligent act of surgery or identified negligent clinical or medical procedure, which causes death or bodily injury to you.

1. A claim relating to the following: a) illness or bodily injury that happens gradually b) psychological injury or mental illness unless the condition follows a specific or

sudden accident that has caused physical bodily injury to you c) defending your legal rights, but DAS will cover defending a counter-claim d) clinical negligence 1. A claim relating to the following: a) the failure or alleged failure to correctly diagnose your condition b) psychological injury or mental illness that is not associated with you having

suffered physical bodily injury.



MAKING A CLAIM






























3 4







MAKING A CLAIM






























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5 PROPERTY PROTECTION A civil dispute relating to property you own, or are responsible for (including your main home) following: a) any event which causes physical damage to such property but the

amount in dispute must be more than £100 b) a legal nuisance (meaning any unlawful interference with your use or

enjoyment of your land, or some right over, or in connection with it) c) a trespass. SPECIAL NOTE: 1. Please note that you must have established the legal ownership or right

to the land that is the subject of the dispute

1. A claim relating to the following: a) a contract you have entered into b) any building or land except your main home c) someone legally taking your property from you, whether you are offered money

or not, or restrictions or controls placed on your property by any government or public or local authority

d) work done by, or on behalf of, any government or public or local authority unless the claim is for accidental physical damage

e) mining subsidence f) adverse possession (meaning the occupation of any building or land either by

someone trying to take possession from you or of which you are trying to take possession)

g) the enforcement of a covenant by or against you. 2. Defending a claim relating to an event that causes physical damage to property,

but DAS will cover defending a counter-claim. 3. The first £250 of any claim for legal nuisance or trespass. This is payable by

you as soon as DAS accept the claim.

6 TAX PROTECTION A comprehensive examination by HM Revenue & Customs that considers all areas of your self assessment tax return, but not enquiries limited to one or more specific area.

1. Any claim if you are self employed, or a sole trader, or in a business partnership 2. An investigation or enquiries by HM Revenue & Customs Special Investigations

Section or Special Civil Investigations or the HM Revenue & Customs Prosecution Office.

7 JURY SERVICE AND COURT ATTENDANCE

Your absence from work: a) to attend any court or tribunal at the request of the appointed

representative b) to perform jury service The maximum we will pay is your net salary or wages for the times that you are absent from work less any amount the court give you.

1. Any claim if you are unable to prove your loss.

8 LEGAL DEFENCE Cost and expenses to defend your legal rights: a) If an event arising from your work as an employee leads to

i) you being prosecuted in a court of criminal jurisdiction ii) civil action being taken against you under:

• discrimination legislation • section 13 of the Data Protection Act 1998

b) if an event leads to you being prosecuted for an offence connected with

the use or driving of a motor vehicle.

1. A claim relating to the following: a) parking or obstruction offences. b) you driving a motor vehicle that you do not have valid motor insurance for.

Claims settlement for Section 4 Legal Expenses

LIMITS Unless otherwise stated, the most we will pay for any claims under this section, including costs and expenses, resulting from one or more events arising at the same time or from the same originating cause is the indemnity limit shown in the policy schedule. EXCESS

The amount of any applicable excess will be deducted from any claim payment.

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5 PROPERTY PROTECTION A civil dispute relating to property you own, or are responsible for (including your main home) following: a) any event which causes physical damage to such property but the

amount in dispute must be more than £100 b) a legal nuisance (meaning any unlawful interference with your use or

enjoyment of your land, or some right over, or in connection with it) c) a trespass. SPECIAL NOTE: 1. Please note that you must have established the legal ownership or right

to the land that is the subject of the dispute

1. A claim relating to the following: a) a contract you have entered into b) any building or land except your main home c) someone legally taking your property from you, whether you are offered money

or not, or restrictions or controls placed on your property by any government or public or local authority

d) work done by, or on behalf of, any government or public or local authority unless the claim is for accidental physical damage

e) mining subsidence f) adverse possession (meaning the occupation of any building or land either by

someone trying to take possession from you or of which you are trying to take possession)

g) the enforcement of a covenant by or against you. 2. Defending a claim relating to an event that causes physical damage to property,

but DAS will cover defending a counter-claim. 3. The first £250 of any claim for legal nuisance or trespass. This is payable by

you as soon as DAS accept the claim.

6 TAX PROTECTION A comprehensive examination by HM Revenue & Customs that considers all areas of your self assessment tax return, but not enquiries limited to one or more specific area.

1. Any claim if you are self employed, or a sole trader, or in a business partnership 2. An investigation or enquiries by HM Revenue & Customs Special Investigations

Section or Special Civil Investigations or the HM Revenue & Customs Prosecution Office.

7 JURY SERVICE AND COURT ATTENDANCE

Your absence from work: a) to attend any court or tribunal at the request of the appointed

representative b) to perform jury service The maximum we will pay is your net salary or wages for the times that you are absent from work less any amount the court give you.

1. Any claim if you are unable to prove your loss.

8 LEGAL DEFENCE Cost and expenses to defend your legal rights: a) If an event arising from your work as an employee leads to

i) you being prosecuted in a court of criminal jurisdiction ii) civil action being taken against you under:

• discrimination legislation • section 13 of the Data Protection Act 1998

b) if an event leads to you being prosecuted for an offence connected with

the use or driving of a motor vehicle.

1. A claim relating to the following: a) parking or obstruction offences. b) you driving a motor vehicle that you do not have valid motor insurance for.

Claims settlement for Section 4 Legal Expenses

LIMITS Unless otherwise stated, the most we will pay for any claims under this section, including costs and expenses, resulting from one or more events arising at the same time or from the same originating cause is the indemnity limit shown in the policy schedule. EXCESS

The amount of any applicable excess will be deducted from any claim payment.

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31 Special Conditions for Section 4 Legal Expenses 1 a) On receiving a claim, if legal representation is necessary, DAS will appoint a preferred law firm or in-house lawyer as your appointed representative to deal

with your claim. They will try to settle your claim by negotiation without having to go to court. b) If the appointed preferred law firm or DAS in-house lawyer cannot negotiate settlement of your claim and it is necessary to go to court and legal proceedings

are issued or there is a conflict of interest, then you may choose a law firm to act as the appointed representative. c) If you choose a law firm as your appointed representative who is not a preferred law firm, DAS will give your choice of law firm the opportunity to act on the

same terms as a preferred law firm. However if they refuse to act on this basis, the most we will pay is the amount we would have paid if they had agreed to the DAS Standard Terms of Appointment.

d) The appointed representative must co-operate with DAS at all times and must keep DAS up to date with the progress of the claim.

2 a) You must co-operate fully with DAS and the appointed representative. b) You must give the appointed representative any instruction that DAS ask you to.

3 a) You must tell DAS if anyone offers to settle a claim. You must not negotiate or agree to a settlement without DAS’s written consent. b) If you do not accept a reasonable offer to settle a claim, DAS may refuse to pay further legal costs. c) We may decide to pay you the reasonable value of your claim, instead of starting or continuing legal action. In these circumstances you must allow DAS to take

over and pursue or settle any claim in your name. You must also allow DAS to pursue at our own expense and for our own benefit, any claim for compensation against any other person and you must give DAS all the information and help they need to do so.

d) Where a settlement is made on a without-costs basis DAS will decide what proportion of that settlement will be regarded as cost and expenses and payable to DAS.

4 a) You must instruct the appointed representative to have legal costs taxed, assessed or audited if DAS ask for this. b) You must take every step to recover cost and expenses and court attendance and jury service expenses that we have to pay and must pay us any amounts that

are recovered.

5 If the appointed representative refuses to continue acting for you with good reason, or if you dismiss the appointed representative without good reason, the cover we provide will end immediately, unless DAS agree to appoint another appointed representative.

6 If you settle or withdraw a claim without the agreement of DAS, or do not give suitable instructions to the appointed representative, DAS can withdraw cover and will be entitled to reclaim from you any costs and expenses we have paid.

7 If there is a disagreement between you and DAS about the handling of a claim and it is not resolved through our internal complaints procedure, you can contact the Financial Ombudsman Service for help. For all other types of disputes there is a separate arbitration process. The arbitrator will be a barrister chosen jointly by DAS and you. If there is a disagreement over the choice of arbitrator, DAS will ask the Chartered Institute of Arbitrators to decide. DAS may require you to get, at your expense, an opinion from a barrister or accountant, on the merits of the claim or proceedings, or on a legal principle. If the chosen person's opinion indicates that it is more likely than not that you will recover damages (or obtain any other legal remedy that we have agreed to) or make a successful defence, then we will pay the cost of getting the opinion.

8 You must:

a) keep to the terms and conditions of this policy b) take reasonable steps to avoid and prevent claims c) take reasonable steps to avoid incurring unnecessary costs d) send everything DAS ask for, in writing, and e) report to DAS full and factual details of any claim as soon as possible and give DAS any information DAS need.

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We will, at our discretion, void the policy (make it invalid) from its start date or from the date of claim, or alleged claim, or we will not pay the claim if:

a) a claim you have made to obtain benefit under this policy is fraudulent or intentionally exaggerated, or b) a false declaration or statement is made in support of a claim.

Apart from us and DAS, you are the only person who may enforce all or any part of this policy and the rights and interests arising from or connected with it. This means that the Contracts (Rights of Third Parties) Act 1999 does not apply to the policy in relation to any third-party rights or interest.

If any claim covered under this policy is also covered by another policy, or would have been covered if this policy did not exist, we will only pay our share of the claim even if the other insurer refuses the claim.

This policy is governed by the law that applies in the part of the United Kingdom, Channel Islands or Isle of Man where you normally live. Otherwise, the law of England and Wales applies. All Acts of Parliament mentioned in this policy include equivalent laws in Scotland, Northern Ireland, the Isle of Man and the Channel Islands as appropriate.

31 Special Conditions for Section 4 Legal Expenses 1 a) On receiving a claim, if legal representation is necessary, DAS will appoint a preferred law firm or in-house lawyer as your appointed representative to deal

with your claim. They will try to settle your claim by negotiation without having to go to court. b) If the appointed preferred law firm or DAS in-house lawyer cannot negotiate settlement of your claim and it is necessary to go to court and legal proceedings

are issued or there is a conflict of interest, then you may choose a law firm to act as the appointed representative. c) If you choose a law firm as your appointed representative who is not a preferred law firm, DAS will give your choice of law firm the opportunity to act on the

same terms as a preferred law firm. However if they refuse to act on this basis, the most we will pay is the amount we would have paid if they had agreed to the DAS Standard Terms of Appointment.

d) The appointed representative must co-operate with DAS at all times and must keep DAS up to date with the progress of the claim.

2 a) You must co-operate fully with DAS and the appointed representative. b) You must give the appointed representative any instruction that DAS ask you to.

3 a) You must tell DAS if anyone offers to settle a claim. You must not negotiate or agree to a settlement without DAS’s written consent. b) If you do not accept a reasonable offer to settle a claim, DAS may refuse to pay further legal costs. c) We may decide to pay you the reasonable value of your claim, instead of starting or continuing legal action. In these circumstances you must allow DAS to take

over and pursue or settle any claim in your name. You must also allow DAS to pursue at our own expense and for our own benefit, any claim for compensation against any other person and you must give DAS all the information and help they need to do so.

d) Where a settlement is made on a without-costs basis DAS will decide what proportion of that settlement will be regarded as cost and expenses and payable to DAS.

4 a) You must instruct the appointed representative to have legal costs taxed, assessed or audited if DAS ask for this. b) You must take every step to recover cost and expenses and court attendance and jury service expenses that we have to pay and must pay us any amounts that

are recovered.

5 If the appointed representative refuses to continue acting for you with good reason, or if you dismiss the appointed representative without good reason, the cover we provide will end immediately, unless DAS agree to appoint another appointed representative.

6 If you settle or withdraw a claim without the agreement of DAS, or do not give suitable instructions to the appointed representative, DAS can withdraw cover and will be entitled to reclaim from you any costs and expenses we have paid.

7 If there is a disagreement between you and DAS about the handling of a claim and it is not resolved through our internal complaints procedure, you can contact the Financial Ombudsman Service for help. For all other types of disputes there is a separate arbitration process. The arbitrator will be a barrister chosen jointly by DAS and you. If there is a disagreement over the choice of arbitrator, DAS will ask the Chartered Institute of Arbitrators to decide. DAS may require you to get, at your expense, an opinion from a barrister or accountant, on the merits of the claim or proceedings, or on a legal principle. If the chosen person's opinion indicates that it is more likely than not that you will recover damages (or obtain any other legal remedy that we have agreed to) or make a successful defence, then we will pay the cost of getting the opinion.

8 You must:

a) keep to the terms and conditions of this policy b) take reasonable steps to avoid and prevent claims c) take reasonable steps to avoid incurring unnecessary costs d) send everything DAS ask for, in writing, and e) report to DAS full and factual details of any claim as soon as possible and give DAS any information DAS need.

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We will, at our discretion, void the policy (make it invalid) from its start date or from the date of claim, or alleged claim, or we will not pay the claim if:

a) a claim you have made to obtain benefit under this policy is fraudulent or intentionally exaggerated, or b) a false declaration or statement is made in support of a claim.

Apart from us and DAS, you are the only person who may enforce all or any part of this policy and the rights and interests arising from or connected with it. This means that the Contracts (Rights of Third Parties) Act 1999 does not apply to the policy in relation to any third-party rights or interest.

If any claim covered under this policy is also covered by another policy, or would have been covered if this policy did not exist, we will only pay our share of the claim even if the other insurer refuses the claim.

This policy is governed by the law that applies in the part of the United Kingdom, Channel Islands or Isle of Man where you normally live. Otherwise, the law of England and Wales applies. All Acts of Parliament mentioned in this policy include equivalent laws in Scotland, Northern Ireland, the Isle of Man and the Channel Islands as appropriate.


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accidental bodily injury directly or indirectly caused by or contributed to by terrorism involving the use or release or the threat thereo fof any nuclear weapon, device or chemical or biological agent regardless of any contributory cause. If we allege that by reason of this exclusion any accidental bodily injury is not covered by this policy the burden of proving the contrary shall be upon you.

c) In respect of any cover, extension or endorsement under this policy for Personal Accident

liability to third parties or any liability incurred by you for damages, costs and expenses directly or indirectly caused by, resulting from or in any connection with any act of terrorism or any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism. If we allege that by reason of t s exclusion any liability for damages and costs and expenses is not covered, the burden of hiproving to the contrary shall be upon you.

b) In respect f any cover, extension or endorsement under this policy for liability to third parties (other than to any domestic o employee)

(notwithstanding any provision to the contrary within this insurance and regardless of any con utory cause)tribany damage or expense, directly or indirectly caused by, resulting from or in connection with: i.contamination or threat of contamination ii.any action taken in control ng, preventing or in any way relating to contamination or the threat of contamination lidue to any act of terrorism. For the purposes of this exclusion “contamination” means the contamination, poisoning or prevention and/or limitation of the use of objects due to the effects of any substance or process. If we allege that by eason of this exclusion any damage or expense is not covered by this policy, the burden of proving to the contrary rshall be upon you.

TERRORISM a) In respect of any cover, extension or endorsement under this policy other than as specifically referred to in b) or c) below

INDIRECT LOSS any indirect loss which results from the incident that caused you to claim except as specifically provided for under this policy.

UNINSURABLE RISKS a) any costs of propert maintenance or normal decoration yb) damage caused by: i.wear and tear or gradually operating cause ii.vermin, insects, parasites, woodworm, fungus, rot or frost iii.the action of light or any atmospheric or climatic conditions (other than storm or flood, if cover is operative under the policy) iv.any process of cleaning, dyeing, altering, repairing, renovating or restoring c) mechanical or electrical fault, breakdown or failure d) property being confiscated or detained by order of any government or any public or police authority.

POLLUTION OR CONTAMINATIONany damage or liability arising from pollution or contamination unless caused by: a) a sudden and unforeseen and identifiable accident b) escape of oil from a domestic oil installation at the home. All pollution which arises out of one incident shall be deemed to have occurred at the time such incident takes place.

REDUCTION IN MARKET VALUE any reduction in value of the property insured following a claim payment.

EXISTING DAMAGE any damage occurring before the cover under this policy started.

COMMUNICABLE DISEASES the transmission of: a) Human Immunodeficiency Virus (HIV) and/or any HIV r lated illness, Acquired Immune Deficiency Syndrome (AIDS) and/or any e mutant derivative or variatio s thereof however caused nb) any communicable disea e sby a member of the family.

SONIC BANGS damage arising directly from pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.

WAR RISKS any loss, damage or liability which is the direct or indirect result of any of the following, whether or not contributed to by any other cause or event: war, invasion, activities of a foreign enemy, hostilities or warlike operations (whether war has been declared or not) civil war, mu ny, ti revolution, or insurrection (meaning people rising up and rebelling against the government by force), civil commotion which is so severe or widespread that it resembles a popular uprising, military power (even if properly authorised by the duly elected government), usurped power (meaning power taken by force by any person or group, including the armed forces, which is not the duly elected government) or property being confiscated by any government or public or local authority.

This policy does not cover: RADIOACTIVE CONTAMINATION any claim or expense of any kind caused directly or indirectly by: a. ionising radiation or radioactive contamination from any nuclear fuel or nuclear waste arising from burning nuclear fuel; b. the radioactive, poisonous, explosive or other dangerous properties of any nuclear equipment or part of that equipment.

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32 General Exclusions (Applicable to the whole policy except where varied under the Legal Expenses Section)


liability arising directly or indirectly from: a) mining, processing, manufacturing, removing, handling, disposing of, treatment of, distributing or storing of asbestos. However, this shall not apply where removing, handling or disposing of asbestos does not form part of your usual business activities or any contract work undertaken and i.you have complied with any legal obligations to manage asbestos an d ii.any discovery of asbestos by you is unintentional and accidental and iii.where, upon discovery of asbestos, all work immediately stops and iv.a HSE licensed asbestos removal contractor is employed - to make safe the area in which the discovery is made as soon as is practicable and - who has Employers’ and Public Liability insurance in force which provides limits of indemnity no less than those provided by your policies and which do not exclude the work to be carried out b) fears of the consequences of exposure to, or inhalation of asbestos.

In respect of any cover, extension or endorsement under this policy for liability to third parties arising out of business activities

ASBESTOS (applicable only to business activities) Meaning of words specific to this exclusion: Asbestos asbestos, asbestos fib es or any derivatives of asbestos including any product containing any asbestos, asbestos fibres or any rderivatives of asbestos

13 liability arising from damage to data.

b) In respect of any cover, extension or endor ement under this policy for liability to third parties arising out of business activities s Meaning of words specific to this exclusion: data information represented or stored electronically including but not limited to code or series of instructions, operating systems, software programs or firmware

damage to any computer or other equipment or component or system or item which processes, stores, transmits, retrieves or receives data or any part thereof whether tangible or intangible (including but without limitation any information or programs or software) and whether your property or not where such damage is directly or indirectly caused by or arising from virus or similar mechanism or hacking or denial of service attack.

Meaning of words specifi to this exclusion: cdenial of service attack any actions or instructions construed or generated with the ability to damage or interfere with or otherwise affect the availability of networks, network services, network connectivity or information systems. Denial of service attack includes but is not limited to the generation of excess traffic into network addresses, th tion of system or network weaknesses and the generation of excess e exploitaor non-g nuine traffic between and amongst networks. ehacking unauthorised access to any computer or other equipme t or component or system or item which processes, stores, transmits, nretrieves or receives data whether your property or not. virus or similar mechanism program code, programming instruction or any set of instructions intentionally constructed with the ability to damage, interfere with or otherwise adversely affect computer programs, data files or operations whether involving self replication or not. Virus or similar mechanism includes but is not limited to Trojan horses, worms and logic bombs.

a) In respect of any cover, extension or endorsement under this policy for property of any description, including data, used in connection with business activities

ELECTRONIC RISKS (applicable only to business activities)12 This exclusion does not apply to any operative cover for Liability to Domestic Employees, Personal Accident or Legal Expenses.

This policy does not cover: DATE RELATED COMPUTER FAILURE any claim, loss, liability or expense caused by or arising from, directly or indirectly or in any way relating to, the failure of any computer, data pr cessing equipment or media, microchip, integrated circuit or similar device or any computer software, whether your property or onot, to: a) correctly recognise any date as its true calendar date b) capture, save or retain, and/or correctly to manipulate, interpret or rocess any data or information or command or instruction as a p result of treating any date otherwise than as its true calendar date c) capture, save, retain or correctly to process any data as a result of the operation of any command which has been programmed into any computer software, being a command which causes the loss of data or the inability to capture, save, retain or correctly to process such data on or after any date but this shall not exclude bsequent damage to your property specifically insured by the policy or any loss not otherwise excluded suwhich itself results from: fire, explosion, lightning, smoke, aircraft or other aerial devices dropped from them, theft or attempted theft, impact by any road vehicle, train or animal, riot, civil commotion, strikers, locked-out workers or persons taking part in labour disturbances, malicious people or v ndals, storm or flood, escape of water from any tank, apparatus or pipe, escape of fuel oil from any fixed oil-fired heating a installation if covered by this policy.

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CLAIMS PROCEDURE (OUR RIGHTS) a) If you make a claim under this policy we have the right to the salvage of any insured property. b) We are entitled to take-over: • your rights against another person before or after we have paid a claim • the defence or settlement of a claim against you by another person. c) We have the right to settle any liability claim by payment of the Indemnity Limit (less any sum or sums already paid or incurred) or any lesser amount for which, at our discretion, the claim can be settled. We will then relinquish control of the claim and be under no further liability.

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CLAIMS PROCEDURE (YOUR DUTIES) - Contact details can be found under MAKING A CLAIM. For legal expenses claim, refer to the special conditions under the Legal Expenses section. When you become aware of a possible claim under this policy you shall (at your expense):

• notify us as soon as is reasonably possible • give all assistance and information we may require • advise us in writing giving full details, as soon as possible, and complete our appropriate claim form if required • immediately tell the police if damage is caused by theft, attempted theft, malicious acts, riot or civil commotion and obtain a crime reference number where

appropriate. • send to us, unanswered every claim, writ, summons or other communication immediately it is received • do all you reasonably can to recover any lost or stolen property or prevent further damage. When you become aware of a possible claim under this policy you shall not:

• admit, deny, negotiate or settle any claim without our written consent • without our written consent, throw away or destroy any damaged property or abandon any property to us.

DUTY OF CARE You must: a) do all that is reasonably pos ble to: si • protect the property insured • prevent, or reduce the extent of, d mage a • prevent accidents or bodily injury b) keep any property insured under this policy in good condition.

PREMIUM PAYMENT BY INSTALMENTS If the premium for this policy is payable by instalments and an instalment is not received by the due date then, subject to the Consumer Credit Act 1974 (if it applies), the redit agreement and the policy will be cancelled from the date the instalment was due unless cotherwise agreed by us in writing.

COOLING-OFF AND CANCELLATION a) Your right to cancel in the cooling-off period: If at inception or renewal of this policy and after receiving the full written documentation (either in paper or electronic format), including the schedule, you change your mind and no longer require the cover then you have 14 days (cooling-off period) from either the date you received the full documentation or the date the cover commenced, whichever is the later, to tell us, or you insurance r intermediary, in writing that you wish to cancel the policy. In such circumstances we will make a full refund of premium. However, if you make a claim during this cooling-off period sults in the sum insured or indemnity limit under one or all of the that re policy sections being paid in full then no refund will be due. b) Your right to cancel after the cooling-off period: If the policy is not cancelled within the cooling-off period, then the insurance is in force and you are committed to pay the premium. However, you can still cancel the policy providing that you give us notice in writing (including electronic format). As long as you have not made a claim we will refund the premium for the remainder of the period of in urance, suitably adjusted if the premium is s paid by instalments and provided that the amount of refund due is not less than £10.00. If you have made a claim in the current period of insurance then the full annual premium is due and no refund will be allowed. If the premium is paid by instalments then ny premium owing for the remainder of the period of insurance must be paid by you or will be a deducted from any claim settlement. c) Our right to cancel: We have the right to cancel the policy by giving you 7 days notice in writing sent by recorded delivery to your last known address. If we cancel the policy we will refund the premium for the remainder of the period of insurance, suitably adjusted if the premium is paid by instalments.

GOVERNING LAW AND LANGUAGEThis policy will be governed by English law unless you live in Scotland in which case the law of Scotland will apply. If there is any dispute as to which law applies it shall e English law. bWe will communicate with you in English at all times.

General Conditions (Applicable to the whole policy except where varied under the Legal Expenses section) DUTY TO COMPLY You must comply with all the terms and conditions of the policy and its endorsements if full protection is to be maintained. If you fail to comply we have the right to either cancel the policy, refuse a claim or reduce the amount of any claim payment.

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JOINT POLICYHOLDERS (Not applicable to the Legal Expenses section of this policy)If there is more than one policyholder named in the schedule then either policyholder can amend the policy or make a c aim. lRemoval of a policyholder from the policy can only be made with that policyholder’s written authority or their executors.

RIGHTS OF THIRD PARTIES A person or company who is not party to this policy has no right under the Contracts (Rights of Third Parties) Act 1999 to en ce any forterm of this policy but this does not affect any right or remedy of a third party which exists or is available apart from that Act.

CHANGE OF INFORMATION OR CIRCUMSTANCES You must tell us about any change to the information upon which t is policy is based as soon as possible. Failure to do so could hinvalidate the policy. These changes include, but are not limited to: • change of address • structural alteration to the home • business use not covered by the po licy• unoccupancy for more than 60 days • bankruptcy of any member of the family • a family member being convicted with any criminal offence other than motoring offences.

FRAUD If you or anyone acting for you: • make(s) a false or fraudulent claim • suppor s) a claim by any fraudulent document, device or statement t(then we: • will not pay the claim • at our discretion, may declare the p licy void and you will forfeit all rights under the policy o• retain the right to keep the premium • shall be entitled to recover from you the amount of any claim we have already paid under the policy

General Conditions continued OTHER INSURANCE If at the time of a claim there is any other insurance covering anything insured by this policy we will only pay our proportionate share.

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Endorsements 36 The follow sements and any supplementary endorsements are operative only if the number shown against them appears in the ing endorschedule.

INTRUDER ALARM DISCOUNT In consideration of us allowing a premium discount you are required to: a) protect the main building of the home with the intruder alarm system that you have stated as being installed at the home b) keep in force an annual intruder alarm maintenance contract with an NSI (i cluding NACOSS) or SSAIB recognised alarm company nc) set the intruder alarm system in full whenever the home is left unattended. If yo fail to comply with any of the above the amount of excess will increase to £250 for any claim resulting from theft or attempted u theft.

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INTRUDER ALARM REQUIREMENT (LEVELS B, C AND D)Under sections 2 (Contents) and 3 (Personal Possessions), we will not pay any claim for damage caused by theft or any attempted theft from the home unless: a) the main building of the home (and any other building have specified) is protected by the intruder alarm system that either: we i. you have declared to us and we ha e accepted, or v ii. we have stated in writing is required in order for us to provide theft cover under this policy at the home b) you keep n force an annual intruder alarm maintenance contract with an NSI (including NACOSS) or SSAIB recognised alarm i company c) you, or a responsible family member, sets the intruder alarm system in full whenever the home is left unattended.

PHYSICAL SECURITY REQUIREMENT (LEVEL 4) Under sections 2 (Contents) and 3 (Personal Possessions), we will not pay any claim for damage caused b theft or any attempted theft yfrom the home unless the home is self-conta ith a lockable front door under your sole control and all: ined wa) external doors are fitted with the following: i.MAIN EXIT / ENTRY DOOR: • 5 lever mortise deadlock, or • a lock approved to BS3621, or • multi-point locking system with at least 3 locking points in additio to a horizontal deadbolt or hook-bolt, or n • rim automatic dead-latch ith a key locking handle on the inside w ii.PATIO / FRENCH DOORS: • multi-point locking system with at least 3 locking points with mushroom headed, hook or shoot bolts, or • existing lock with key operated patio door locks top and bottom, or • key operated security bolts top and bottom on e ch leaf in addition to the existing lock (flush bolts or internal bolts top and a bottom are accept ble for the first closing leaf) a iii.ALL OTHER DOORS: • locks as specified for the main entry / exit door or • key operated security bolts top and bottom in addition to the existing lock. b) opening windows (mea ng more than 23cm x 23cm - i.e. 9” x9” ) that are easily accessible from the outside are fitted with key suri operated window locks c) window louvres are glued into their brackets d) other basement or ground floor openings must be secured with key operated locks.

All your security devices are to be put into full operation whenever the home is left unattended or (apart from open windows in occupied rooms) each night after the occupants have retired to bed. If you fail to put any of the security devices into full operation as required an da claim for theft or attempted theft arises due to such failure then an increased excess of £250 will apply. However, we will not pay any claim if at the same time you also fail to comply with any INTRUDER ALARM REQUIREMENT that is effective under this policy.

4 PHYSICAL SECURITY REQUIREMENT (LEVELS 2 AND 3)Under sections 2 (Contents) and 3 (Personal Possessions), we will not pay any claim for damage caused by theft or any attempted eft thfrom the home unless you keep in place and in good working condition all the physical protections that you have stated to us were installed at the home when you applied for this insurance.

All your security devices are to be put into full operation whenever the home is left unattended or (apart from open windows in occupied rooms) each night after the occupants have retired to bed. If you fail to put any of the security devices into full operation as required an da claim for theft or attempted theft arises due to such failure then an increased excess of £250 will apply. However, we will not pay any claim if at the same time you also fail to comply with any INTRUDER ALARM REQUIREMENT that is effective under this policy.

INTRUDER ALARM REQUIREMENT (LEVEL A) Under sections 2 (Contents 3 (Personal Possessions), we will not pay any claim for damage caused by theft or any attempted theft ) andfrom the home unless you: a) keep in place and in good working condition the intruder alarm system that you have stated to us was installed at the home w en h you applied for this insurance. This alarm system must, as a minimum, protect the main entry / exit door with an alarm contact device or passive infra-red (PIR) detector connected to an external bell or siren b) or a responsible family member, sets the intruder alarm system in full whenever the home is left unattended.

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Ansvar Insurance Ansvar House, St. Leonards Road Eastbourne, East Sussex, BN21 3UR

Tel: 0845 60 20 999 or 01323 737541 Fax: 01323 419800 Email: [email protected] www.ansvar.co.uk

Business division of: Ecclesiastical Insurance Office plc Registered Office: Beaufort House, Brunswick Road, Gloucester, GL1 1JZ Registered No. 24869 England

Member of: Association of British Insurers (ABI) Financial Ombudsman Service (FOS)

Authorised and Regulated by the Financial Services Authority (FSA)

To check these details on FSA’s Register: www.fsa.gov.uk/Pages/register Tel: 0845 606 1234

All content © Ecclesiastical Insurance Office plc 2011 UW639(PY) 01/11(7005)

Howdens Insurance Brokers LimitedBrookfield CourtSelby RoadLeedsLS25 1NB

Tel. 0845 371 1433

www.howdenpro.com

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