Smarter Home Insurance Policy Wording 2019-07-16¢  1 Policy Wording Smarter Home Insurance...

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Transcript of Smarter Home Insurance Policy Wording 2019-07-16¢  1 Policy Wording Smarter Home Insurance...

  • 1

    Policy Wording Smarter Home Insurance

    Neos Ventures Limited (company number 09941700) authorised and regulated by the Financial Conduct Authority, the independent body who regulates firms working in financial services (reference number: 752145).

    Your policy is underwritten by Great Lakes Insurance SE (in respect of Sections 1-3). Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstraße 107, 80802 Munich. Registered with the commercial register of the local court of Munich under number: HRB 230378 UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ. Great Lakes Insurance SE UK Branch is authorized by the Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of our regulation by the Financial Conduct Authority and Prudential Regulation Authority are available from us on request.

    Your policy is underwritten by ARAG plc (in respect of Sections 4 and 5) (company number 02585818) registered at 9 Whiteladies Road, Clifton, Bristol, BS8 1NN (or appointed agents on its behalf) who is authorised under a binding authority agreement to administer this insurance on behalf of the insurer, AmTrust Europe Limited.

  • 2

    Introduction How to Get Help Definitions General Conditions applicable to the whole of this Insurance Claims Conditions applicable to the whole of this Insurance Other Important Information applicable to the whole of this Insurance Section 1 Buildings Section 2 Contents Section 3 Personal Belongings Section 4 Home Emergency Section 5 Legal Cover General Exclusions applicable to the whole of this Insurance

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    Navigating around your Policy

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    In return for payment of the premium shown in the schedule, we agree to insure you, subject to the terms and conditions contained in or endorsed on this policy, against loss or damage you sustain or legal liability you incur for accidents happening during the period shown in the schedule.

    When drawing up this policy, we have relied on the information and statements which you have provided us in the proposal.

    The insurance relates ONLY to those sections of the policy which are shown in the schedule as being included.

    This policy of insurance, schedule and any endorsement applying to your policy forms your insurance document. This document sets out the terms and conditions of the contract of insurance between you and us. You should read this document in full and keep it in a safe place.

    Please read the whole document carefully. It is arranged in different sections. It is important that:

    • you are clear which sections you have requested and want to be included; • you understand what each section covers and does not cover; • you understand your own duties under each section and under the

    insurance as a whole. • you take care when answering any questions we ask by ensuring that any

    information provided is accurate and complete (see Information you have given us for full details).

    Please contact Neos on 0203 210 3000 immediately if this document or any information provided in your proposal is not correct or if you would like to ask any questions.

    Introduction

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    How to Get Help Claims

    Customer Services

    Technology

    Legal and tax advice

    In addition if you have purchased Legal Cover you also have access to the following helplines:-

    ONLY APPLICABLE IF SECTION 5 LEGAL COVER IS SHOWN AS INCLUDED IN THE SCHEDULE

    To make a claim or to seek or provide further information on an existing claim or to make a complaint about a claim.

    Sections 1-3 Buildings, Contents & Personal Belongings 24 hours per day 7 days per week

    Section 4 Home Emergency 24 hours per day 7 days per week

    Section 5 Legal Cover Monday to Friday (except bank holidays) 9am to 5pm. (For claims complaints under this section please ring 0117 917 1561 or email customerrelations@arag. co.uk)

    0203 210 3000

    0203 210 3000

    0117 917 1698

    neosclaims@cl-uk.com

    Please advise all claims by phone

    You can download a claim form at www.arag.co.uk/ newclaims

    To make a change to your policy, ask a question about the cover or change the information you’ve given us or to make a complaint (other than about a claim)

    Monday - Friday 8am -7pm Saturday 9am – 5pm

    0203 210 3000 hello@neos.co.uk

    Technical support in connection with your Neos Supplied Equipment

    Monday - Friday 9am – 7pm 0203 210 3001 tech@neos.co.uk

    If you have a legal or tax problem we recommend that you call our confidential legal and tax advice helpline. The advice covers personal legal matters within EU law or personal tax matters within the UK. Your query will be dealt with by a qualified specialist who is experienced in handling legal and tax-related matters. Use of this service does not constitute reporting of a claim. .

    Legal advice is available 24 hours a day, 7 days a week, and tax advice is available between 9am and 5pm on weekdays (except bank holidays).

    0344 571 7976

    This helpline provides advice to help you keep your identity secure. If you suspect you are a victim of identity theft, our specialist caseworkers can help you to restore your credit rating and correspond with your card issuer, bank or other parties.

    This service is available from 8am to 8pm 7 days a week

    0333 000 2083

    Identity Theft Helpline & Resolution Service ONLY APPLICABLE IF SECTION 5 LEGAL COVER IS SHOWN AS INCLUDED IN THE SCHEDULE

    The above helplines are subject to fair and reasonable use. The level of fair usage will depend on individual circumstances.

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    Definitions Wherever the following words appear in this insurance they will have the meanings shown below.

    Accidental Damage

    Bodily Injury

    Buildings

    Computer attack

    Contents

    Damage caused suddenly and unexpectedly by an outside force which has not been caused on purpose

    Damage to persons caused by accident or disease

    The main structure of the home and;

    • fixtures and fittings attached to the home including permanently fitted flooring • domestic outbuildings and private garages • permanently installed swimming pools, tennis courts, drives, patios and terraces, walls, gates, paths, drives and fences and fixed fuel tanks you own or for which you are legally liable within the home. Cables and underground pipes providing services to or from the property • Cess pits and septic tanks

    Buildings do NOT include:

    • radio and television aerials, satellite dishes, their fittings and masts which are attached to the property • carpets

    A set of corrupting, harmful or otherwise unauthorised instructions or code including a set of maliciously introduced unauthorised instructions or code, programmatic or otherwise, that propagate themselves through a computer system or network of whatsoever nature. Computer attack includes but is not limited to “trojan horses”, “worms” and “time or logic bombs”.

    Household goods and personal belongings, money, high risk items and home office equipment up to the limits shown in the schedule that:

    • you own; • you are legally responsible for (but not landlord’s contents); • belong to domestic employees who live with you

    Contents includes:

    • radio and television aerials, satellite dishes, their fittings and masts which are attached to the property • domestic oil in fixed fuel oil tanks up to the limit shown in the schedule which you have paid • carpets, but not permanently fitted flooring • personal belongings of visitors to the home (but not paying guests or lodgers), up to the limit shown in the schedule.

    Contents does NOT include: • motor vehicles, caravans, trailers or watercraft or their accessories • any living plant or creature • any part of the buildings • documents of any kind except money, passports, driving licences and the title deeds to your home • any property insured under any other insurance

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    The level of cover you have purchased under your Neos Home Insurance Policy as shown in the schedule

    A person directly employed by you, solely to carry out domestic duties in your home and/or its garden.

    Facts, concepts and information converted to a form useable for communications, interpretation or processing by electronic and electromechanical data processing or electronically controlled equipment and includes programmes, software and other coded instructions for the processing and manipulation of data or the direction and manipulation of such equipment.

    The amount payable by you for each separate claim as shown in the schedule

    A change in the terms and conditions of this insurance.

    Upward movement of the ground beneath the buildings as a result of the soil expanding [or swelling].

    Antiques, articles of gold, silver or other precious metals, audio equipment, camping equipment, compact discs, computer