The Connoisseur Smart Home Insurance - Policy Wording

Transcription

1 Up to 50%* Premium Discount New Smrt wy to uild up to 50% premium discount! Hive, Nest & Cnry systems now qulify for up to 10% discount (*mximum discount ville on this policy) The Connoisseur Smrt Home Insurnce - Policy Wording Fine Art & Generl Insurnce Brokers

2 Home Insurnce Certificte Effected through Connoisseur Polices Limited nd/or Anthony Wkefield And Compny Limited This is to Certify tht in ccordnce with the uthoristion grnted under the Contrct (the numer of which is specified in the Schedule) to the undersigned y certin Underwriters t Lloyd s, whose definitive numers nd the proportions underwritten y them, which will e supplied on ppliction, cn e scertined y reference to the sid Contrct which ers the Sel of Lloyd s Policy Signing Office nd in considertion of the pyment of the premium specified herein, we re herey ound, severlly nd not jointly nd re limited to our individul suscription, our Executors nd Administrtors, to insure in ccordnce with the terms nd conditions contined herein or endorsed hereon. We re not responsile for the suscription of ny co-suscriing insurer, who, for ny reson does not stisfy ll or prt of its oligtions. If you shll mke ny clim knowing the sme to e flse or frudulent, s regrds mount or otherwise, this Certificte shll ecome void nd ll clim hereunder shll e forfeited. IN WITNESS whereof this Certificte hs een signed t the plce stted nd on the dte specified in the Schedule y Pge 1 of 35 SHI-Nov-2018

3 The Insurnce Contrct In return for pyment of the premium shown in the schedule, we gree to insure you, suject to the terms nd conditions contined in or endorsed on this insurnce, ginst loss or dmge you sustin or legl liility you incur for ccidents hppening during the period of insurnce. You nd we re free to choose the lw pplicle to this contrct of insurnce. Unless specificlly greed to the contrry this contrct of insurnce will e governed y the lws of Englnd nd Wles nd suject to the exclusive jurisdiction of the courts of Englnd. A person who is not prty to this contrct hs no right under the Contrcts (Rights of Third Prties) Act 1999 to enforce ny term of this contrct ut this does not ffect ny right or remedy of third prty which exists or is ville prt from tht Act. The written uthority numer B1262BW01665 llows Anthony Wkefield nd Compny Limited nd Connoisseur Policies Ltd. to sign nd issue this policy on ehlf of Lloyd s Underwriters whose respective shres nd Syndicte numers cn e otined y pplying to Mrket Services, Lloyd s, One Lime Street, London EC3M 7HA. Anthony Wkefield nd Compny Ltd. nd its Appointed Representtive Connoisseur Policies Ltd. re uthorised nd regulted y the Finncil Conduct Authority. Detils of Anthony Wkefield nd Compny Limited nd Connoisseur Policies Ltd. nd their Firm numers my e checked on the Finncil Services Register t Pge 2 of 35 SHI-Nov-2018

4 Contents Definitions 4 Importnt Informtion 7 Informtion you hve given us 7 Notifying us of ny chnges or inccurcies 7 Cncelling the insurnce 8 Refund of premium 8 Section One Buildings 9 Accidentl dmge to uildings 13 Conditions tht pply to Section One only 13 Section Two Contents 15 Accidentl dmge to contents 18 Conditions tht pply to Section Two only 19 Section Three Accidents to domestic stff 20 Section Four Legl liility to the pulic 21 Section Five Fine Art, Vlules nd Personl Possessions 23 Conditions tht pply to Section Five only 23 Section Six Domestic freezer cover 24 Section Seven Pedl cycle cover 25 Section Eight Money nd nk crds 26 Generl exclusions pplicle to the whole of the insurnce 27 How to mke clim 29 Things you must do 29 Defence of clim 29 Frudulent clims 29 Compenstion 30 Dt protection 30 Snctions 30 Endorsements 31 Connoisseur Policies Limited Pge 3 of

5 Definitions Wherever the following words pper in old in this contrct of insurnce they will hve the menings shown elow. Accidentl Dmge Bnk crds Bodily injury Physicl dmge cused suddenly nd ccidentlly, nd not through wer nd ter, rekdown or mlfunction. Credit crds, chrge crds, deit crds, nkers crds nd csh dispenser crds. Physicl injury including ccidentl deth, disese or illness. Buildings the home nd its decortions fixtures nd fittings ttched to the home swimming pools, tennis courts, drives, ptios nd terrces, wlls, gtes nd fences nd fixed fuel tnks you own or for which you re leglly lile nd within the premises nmed in the schedule. Business Equipment (Home Risk) Contents furniture, computers (including keyords nd monitors), printers, modems, fx mchines, photocopiers nd telecommunictions equipment in your home (other thn equipment elonging to your employer). Household goods nd other items, within the home, which re your property or which you re leglly lile for. Contents includes: tennt s fixtures nd fittings crpets rdio nd television erils, stellite dishes, their fittings nd msts which re ttched to the home, Smrt Home Technology including security cmers nd lights contents outside the home ut within the premises up to GBP5,000 in totl (other thn rdio nd television erils, stellite dishes, their fittings nd msts which re ttched to the home nd security cmers nd lights) money nd nk crds up to GBP500 in totl deeds nd registered onds nd other personl documents up to GBP1,500 in totl stmps or coins forming prt of collection up to GBP1,500 in totl gold, silver, gold nd silver plted rticles, jewellery nd furs up to GBP2,500 or 10% of the sum insured for contents whichever is less, within the privte dwelling domestic oil in fixed fuel oil tnks up to GBP2,000 usiness equipment (home risk) GBP5,000. Contents does NOT include: motor vehicles (other thn grden mchinery) crvns, trilers or wtercrft or their ccessories ny living creture ny prt of the uildings ny property held or used for usiness purposes ny property insured under ny other insurnce. Endorsement A chnge in the terms nd conditions of this insurnce greed y you nd us. Endorsements which pply to your insurnce (if ny) will e shown in the Schedule nd detiled t the end of this document Pge 4 of 35 SHI-Nov-2018

6 Definitions (continued) Excess The mount you will hve to py towrds ech seprte clim. Fmily Memers of your fmily (including dopted children, step-children nd foster children), spouses, fincé(e)s, co-hitees or prtners. Fmily does not include lodgers, tennts or domestic stff. Fine Art gold, silver, gold nd silver plted rticles (excluding jewellery nd wtches unless kept permnently in n pproved sfe when not eing worn) pictures, ntique furniture (excluding rittle rticles), porcelin, pottery, ronzes nd other rittle or frgile rticles, clocks, rometers, stmp, coin, nk notes, wines, spirits nd other collections s detiled in the policy schedule. Heve Home Lndslip Upwrd movement of the ground eneth the uildings s result of the soil expnding. The privte dwelling of stndrd construction nd the grges nd outuildings used for domestic purposes t the premises. Downwrd movement of sloping ground. Money current legl tender, cheques, postl nd money orders postge stmps not forming prt of stmp collection svings stmps nd svings certifictes, trvellers cheques premium onds nd gift tokens luncheon vouchers nd gift vouchers ll held for privte or domestic purposes. Occupnt Period of insurnce Personl possessions A person or persons uthorised y you to sty in the home overnight. The length of time for which this contrct insurnce is in force, s shown in the schedule. Clothing, ggge, sports equipment nd other items normlly crried out the person nd ll of which elong to you. Personl possessions does NOT include: money nd nk crds (these re only covered in the home under contents insurnce, unless you hve chosen money nd nk crd cover under section 8) pedl cycles. Moile phones, cmers nd video cmers, lptops nd tlets, hering ids nd guns. Premises Snitry wre Schedule Settlement Smrt Home technology The ddress which is shown in the schedule. Wshsins, sinks, idets, lvtory pns nd cisterns, shower trys, shower screens, ths nd th pnels. Document showing your nme, the premises, the sums insured, the period of insurnce nd the sections of this contrct of insurnce which pply. Downwrd movement s result of the ground eing compressed y the weight of the uildings. Smrt meters nd other domestic monitoring devices. Connoisseur Policies Limited Pge 5 of

7 Definitions (continued) Stndrd construction Susidence Swimming pools United Kingdom Unoccupied Built of rick, stone or concrete nd roofed with sltes, tiles, sphlt, metl or concrete. Downwrd movement of the ground eneth uildings where the movement is unconnected with the weight of the uilding. Swimming pools which re permnently instlled. Englnd, Wles, Scotlnd, Northern Irelnd, the Isle of Mn nd the Chnnel Islnds. When the home is not eing lived in y you (or person you hve uthorised). Vlules jewellery & wtches furs moile phones cmers nd video cmers lptops nd tlets hering ids guns ll of which elong to you. We/us/our You/your/yours/ insured Your roker The Underwriters t Lloyd s who hve shre in this contrct of insurnce. The person or persons nmed in the schedule nd ll memers of their fmily who permnently live live in the home. The insurnce roker or intermediry who rrnged this contrct of insurnce on your ehlf Pge 6 of 35 SHI-Nov-2018

8 Importnt Informtion This document, the schedule nd ny endorsement(s) ttched form your insurnce. This document sets out the conditions of the insurnce etween you nd us. Plese red the whole document crefully nd keep it in sfe plce. This insurnce reltes ONLY to those sections which re shown in the schedule s eing included nd ech home included under this insurnce is considered to e covered s if seprtely insured. It is importnt tht: you check tht the informtion contined in the schedule is ccurte nd tht the schedule reflects the coverge sections you hve requested (see the Informtion you hve given us section elow); you notify us of ny inccurcies in the informtion contined in the schedule, or of ny chnges to tht informtion (see the Notifying us of ny chnges or inccurcies section on pge 7); you tke ll resonle steps to prevent loss, dmge or n ccident nd keep the uildings in good stte of repir; nd you comply with the Things you must do in the event of clim (see pge 29), your duties under ech section, nd your duties under the insurnce s whole. Filure to comply with the ove could dversely ffect your insurnce or ny clim you mke. Informtion you hve given us In deciding to ccept this insurnce nd in setting the terms nd premium, we hve relied on the informtion you hve given us. You must tke cre when nswering ny questions we sk y ensuring tht ll informtion provided is ccurte nd complete. If we estlish tht you deliertely or recklessly provided us with flse or misleding informtion we will tret this contrct of insurnce s if it never existed nd decline ll clims. If we estlish tht you crelessly provided us with flse or misleding informtion it could dversely ffect your insurnce nd ny clim. For exmple we my: tret this insurnce s if it hd never existed nd refuse to py ll clims nd return the premium pid. We will only do this if we provided you with insurnce cover which we would not otherwise hve offered; or mend the terms of your insurnce. We my pply these mended terms s if they were lredy in plce if clim hs een dversely impcted y your crelessness; or chrge you more for your insurnce or reduce the mount we py on clim in the proportion the premium you hve pid ers to the premium we would hve chrged you; or cncel your insurnce in ccordnce with the Cncelling this insurnce section on pge 8. We or your insurnce roker will write to you if we: intend to tret this insurnce s if it never existed; or need to mend the terms of your insurnce; or require you to py more for your insurnce. Notifying us of ny chnges or inccurcies You must notify your roker: without dely if you ecome wre tht informtion you hve given us is inccurte; within fourteen (14) dys of you ecoming wre out ny chnges in the informtion you hve provided to us which hppens efore or during the period of insurnce; t lest fourteen (14) dys efore you strt ny conversions, extensions or other structurl work to the uildings. When we re notified tht informtion you previously provided is inccurte, or of ny chnges to tht informtion, or plnned structurl works, we will tell you if this ffects your insurnce. For exmple, we my mend the terms of your insurnce or require you to py more for your insurnce or cncel your insurnce in ccordnce with the Cncelling this insurnce section (see pge 8) Pge 7 of 35 SHI-Nov-2018

9 If you fil to notify us tht informtion you hve provided is inccurte, or you fil to notify us of ny chnges, this insurnce my ecome invlid nd we my not py your clim, or ny pyment could e reduced. Cncelling this insurnce You cn cncel this insurnce t ny time y writing to your roker. We cn cncel this insurnce y giving you thirty (30) dys notice in writing. We will only do this for vlid reson (exmples of vlid resons re s follows): non pyment of premium; chnge in risk occurring which mens tht we cn no longer provide you with insurnce cover; non-coopertion or filure to supply ny informtion or documenttion we request; or thretening or usive ehviour or the use of thretening or usive lnguge. Refund of premium This insurnce hs cooling off period of fourteen (14) dys from either: the dte you receive this insurnce documenttion; or the strt of the period of insurnce whichever is the lter. If this insurnce is cncelled then, provided you hve not mde clim, you will e entitled to refund of ny premium pid, suject to deduction for ny time for which you hve een covered. This will e clculted on proportionl sis. For exmple, if you hve een covered for six (6) months, the deduction for the time you hve een covered will e hlf the nnul premium. If you cncel this insurnce outside the cooling off period, there will e n dditionl chrge, s stted in the schedule, to cover the dministrtive cost of providing the insurnce. If we py ny clim, in whole or in prt, then no refund of premium will e llowed. Connoisseur Policies Limited Pge 8 of

10 Section One Buildings Wht is covered under this section This insurnce covers the uildings for loss or dmge directly cused y: Wht is not covered under this section We will not py: 1 fire, lightning, explosion or erthquke the first GBP100 of every clim 2 ircrft nd other flying devices or items dropped from them the first GBP100 of every clim 3 i) storm ii) flood iii) weight of snow 4 i) escpe of wter from fixed wter tnks, pprtus or pipes ii) frost to fixed wter tnks, pprtus or pipes 5 escpe of oil from fixed domestic oil-fired heting instlltion nd smoke dmge cused y fult in ny fixed domestic heting instlltion c d the first GBP100 of every clim for loss or dmge to domestic fixed fuel-oil tnks in the open, swimming pools, tennis courts, drives, ptios nd terrces, gtes nd fences. the first GBP100 of every clim for loss or dmge cused y susidence, heve or lndslip other thn s covered under numer 9 of section one for loss or dmge to domestic fixed fuel-oil tnks nd swimming pools for loss or dmge while the home is insufficiently furnished for dy to dy living, or unoccupied for more thn thirty (30) consecutive dys the first GBP100 of every clim for loss or dmge while the home is insufficiently furnished for dy to dy living, or unoccupied for more thn thirty (30) consecutive dys 6 theft or ttempted theft the first GBP100 of every clim 7 collision y ny vehicle or niml the first GBP100 of every clim c for loss or dmge while the home is insufficiently furnished for dy to dy living, or unoccupied for more thn thirty (30) consecutive dys for loss or dmge while the home is lent, let or sulet unless the loss or dmge follows violent nd forcile entry. 8 ny person tking prt in riot, violent disorder, strike, lour disturnce, civil commotion or cting mliciously the first GBP100 of every clim for loss or dmge while the home is insufficiently furnished for dy to dy living, or unoccupied for more thn thirty (30) consecutive dys Pge 9 of 35 SHI-Nov-2018

11 Section One Buildings (continued) Wht is covered under this section This insurnce covers the uildings for loss or dmge directly cused y: Wht is not covered under this section We will not py: 9 susidence or heve of the site upon which the uildings stnd or lndslip 10 rekge or collpse of fixed rdio nd television erils, fixed stellite dishes nd their fittings nd msts c d e f g h i for loss or dmge to domestic fixed fuel-oil tnks, swimming pools, tennis courts, drives, ptios nd terrces, wlls, gtes nd fences unless the privte dwelling is lso dmged t the sme time y the sme event for loss or dmge to solid floors unless the wlls of the privte dwelling re dmged t the sme time y the sme event for loss or dmge cused y fulty or unsuitle mterils or design or poor workmnship for loss or dmge which compenstion hs een provided for or would hve een ut for the existence of this contrct of insurnce under ny contrct or gurntee or y lw for loss or dmge cused y costl or river nk erosion for loss or dmge whilst the uildings re undergoing ny structurl ltertions, extensions or demolition for loss or dmge cused y norml settlement nd /or ny generl deteriortion of the uilding for loss or dmge cused y the ction of chemicls on, or the rection of chemicls with, ny mterils which form prt of the uildings the first GBP1,000 of every clim the first GBP100 of every clim for loss or dmge to the ctul rdio nd television erils, stellite dishes, their fittings nd msts 11 flling trees, telegrph poles or lmp-posts for loss or dmge cused y trees eing cut down or cut ck within the premises c for loss or dmge to gtes nd fences the first GBP100 of every clim Connoisseur Policies Limited Pge 10 of

12 Section One Buildings (continued) Wht is covered under this section This section of the insurnce lso covers: Wht is not covered under this section We will not py A the cost of repir or replcement following ccidentl dmge to: fixed glss nd doule glzing (including the cost of replcing frmes) solr pnels snitry wre cermic hos ll forming prt of the uildings the first GBP100 of every clim for dmge while the uildings re insufficiently furnished for dy to dy living, or unoccupied for more thn thirty (30) consecutive dys B the cost of repiring ccidentl dmge to: domestic oil pipes underground wter-supply pipes underground sewers, drins nd septic tnks underground gs pipes underground cles which you re leglly lile for the first GBP100 of every clim C loss of rent due to you which you re unle to recover ny mount over 10% of the sum insured for the uildings dmged or destroyed dditionl costs of lterntive ccommodtion, sustntilly the sme s your existing ccommodtion, which you hve to py for following loss or dmge to the uildings which is covered under this section (section one) D expenses you hve to py nd which we hve greed in writing for rchitects, surveyors, consulting engineers nd legl fees the cost of removing deris nd mking sfe the uilding costs you hve to py in order to comply with ny Government or locl uthority requirements following loss or dmge to the uildings which is covered under this section (section one) ny expenses for prepring clim or n estimte of loss or dmge ny costs if Government or locl uthority requirements hve een served on you efore the loss or dmge occured E F incresed domestic metered wter chrges you hve to py following n escpe of wter which gives rise to clim ccpeted y us under numer 4 of section one nyone uying the home who will hve the enefit of section one until the sle is completed or the insurnce ends, whichever is sooner more thn GBP1,000 in ny period of insurnce. If you clim for such loss under sections one nd two, we will not py more thn GBP1,000 in totl if the uildings re insured under ny other insurnce Pge 11 of 35 SHI-Nov-2018

13 Section One Buildings (continued) Wht is covered under this section This section of the insurnce lso covers: G the cost of finding the source of n escpe of wter from ny fixed wter tnks, pprtus or pipes following loss or dmge to the uildings which is covered under section one Wht is not covered under this section We will not py more thn GBP2,500 in ny period of insurnce. Connoisseur Policies Limited Pge 12 of

14 Section One Buildings (continued) Accidentl dmge to the uildings The following pplies only if the schedule shows tht ccidentl dmge to the uildings is included. Wht is covered under this section Wht is not covered under this section This extension covers: We will not py: ccidentl dmge to the uildings the first GBP250 of every clim c d e f g h i j k l for dmge or ny proportion of dmge which we specificlly exclude elsewhere under section one for the uildings moving, settling, shrinking, collpsing or crcking for dmge while the home is eing ltered, or extended for dmge to outuildings nd grges which re not of stndrd construction for dmge while the home is lent, let or sulet for the cost of generl mintennce for dmge cused y infesttion, corrosion, dmp, wet or dry rot, mould or frost for dmge cused y fulty or unsuitle mterils or design or poor workmnship for dmge from mechnicl or electricl fults or rekdown for dmge cused y dryness, dmpness, extremes of temperture or exposure to light for dmge to swimming pools, tennis courts, drives, ptios nd terrces, wlls, gtes nd fences nd fuel tnks m for ny dmge cused y or contriuted to y or rising from ny kind of pollution nd/or contmintion Conditions tht pply to section one (uildings) only Settling clims How we del with your clim 1 If your clim for loss or dmge is covered under section one, we will py the full cost of repir s long s: the uildings were in good stte of repir immeditely prior to the loss or dmge; nd the mount insured is enough to py for the full cost of reuilding the uildings in their present form; nd the dmge hs een repired. If the uildings were not in good stte of repir we my deduct n mount from your clim to reflect the difference in the vlue of the uildings in good stte of repir nd the vlue of the uildings in disrepir. 2 We will not py the cost of replcing or repiring ny undmged prts of the uildings which form prt of pir, set, suite or prt of common design or function when the loss or dmge is restricted to clerly identifile re or to specific prt Pge 13 of 35 SHI-Nov-2018

15 Section One Buildings (continued) Your mount insured 3 We will not reduce the mount insured under section one fter we hve pid clim s long s you gree to crry out our recommendtions to prevent further loss or dmge. 4 If you re under-insured, which mens the cost of reuilding the uildings t the time of loss or dmge is more thn your mount insured for the uildings, then we will only py proportion of the clim. For exmple if your mount insured only covers one hlf of the cost of reuilding the uildings, we will only py one hlf of the cost of repir or replcement. Limit of insurnce We will not py more thn the sum insured for ech premises shown in the schedule. Connoisseur Policies Limited Pge 14 of

16 Section Two Contents Wht is covered under this section This insurnce covers the contents for loss or dmge directly cused y: Wht is not covered under this section We will not py: 1 fire, lightning, explosion or erthquke the first GBP100 of every clim 2 ircrft nd other flying devices or items dropped from them the first GBP100 of every clim 3 i storm ii flood iii weight of snow the first GBP100 of every clim for contents oustside the home 4 escpe of wter from fixed wter tnks, pprtus or pipes 5 escpe of oil from domestic fixed oil-fired heting instlltion nd smoke dmge cused y fult in ny fixed domestic heting instlltion the first GBP100 of every clim the first GBP100 of every clim 6 theft or ttempted theft the first GBP100 of every clim 7 collision y ny vehicle or niml the first GBP100 of every clim c for loss or dmge whilst the home is lent, let or sulet unless the loss or dmge is cused y violent nd forcile entry ny mount over GBP1,000 or 3% of the sum insured for contents whichever is greter, within detched domestic outuildings nd grges 8 ny person tking prt in riot, violent disorder, strike, lour disturnce, civil commotion or cting mliciously the first GBP100 of every clim 9 susidence or heve of the site upon which the uildings stnd or lndslip c d e e for loss or dmge following dmge to solid floors unless the wlls of the privte dwelling re dmged t the sme time y the sme event for loss or dmge cused y fulty or unsuitle mterils or design or poor workmnship for loss or dmge which ut for the existence of this contrct of insurnce would e covered under ny contrct or gurntee or y lw for loss or dmge whilst the uildings re undergoing ny structurl repirs, structurl ltertions, extensions or demolition for loss or dmge y costl or river nk erosion the first GBP1000 of every clim 10 flling trees, telegrph poles or lmp-posts the first GBP100 of every clim for loss or dmge cused y trees eing cut down or cut ck within the premises Pge 15 of 35 SHI-Nov-2018

17 Section Two - Contents (continued) Wht is covered under this section This section of the insurnce lso covers Wht is not covered under this section We will not py A ccidentl dmge to televisions, rdios, gming consoles, DVD plyers, home computers, nd ll other udio nd video equipment ll situted within the home including Smrt Home technology c c the first GBP100 of every clim for dmge or deteriortion cused in the process of clening, repir, renovtion, or dismntling the item for dmge to removle dt storge medi, including tpes, records, cssettes, discs, memory crds nd sticks, computer nd console gmes or computer softwre for mechnicl or electricl fults or rekdown B ccidentl rekge of fixed glss nd doule glzing snitry wre forming prt of the uildings which you re leglly lile for s tennt nd do not hve other insurnce for mirrors glss tops nd fixed glss in furniture cermic hos the first GBP100 of every clim for the cost of repiring, removing or replcing frmes C the contents, if these re not lredy insured, whilst they re temporrily out of the home ginst loss or dmge directly cused y: i ny of the events insured under numers 1-10 in section two while the contents re: in ny occupied privte dwelling in ny uildings where you re living or working in ny uilding for vlution, clening or repir in ny storge fcility in ny nk or sfe deposit c d the first GBP100 of every clim for contents outside the United Kingdom for money or nk crds ny mount over 20% of the sum insured under section two for contents in storge fcility ii fire, lightning, explosion, erthquke, theft or ttempted theft while the contents re eing moved to your new home or to or from ny nk, sfe deposit or storge fcility D up to twelve (12) months rent you hve to py s occupier if the home cnnot e lived in following loss or dmge which is covered under section two ny mount over 10% of the sum insured under section two for the contents of the uildings dmged or destroyed E costs of using other ccommodtion, sustntilly the sme s your existing ccommodtion, which you hve to py for if the home cnnot e lived in following loss or dmge which is covered under section two ny mount over 10% of the sum insured under section two for the contents of the uildings dmged or destroyed Connoisseur Policies Limited Pge 16 of

18 Section Two - Contents (continued) Wht is covered under this section This section of the insurnce lso covers Wht is not covered under this section We will not py F If you re tennt, your legl responsiility for loss or dmge to the uildings cused y one of the cuses listed under 1 to 9 of this section (section two) c d e f the first GBP100 of every clim ny mount over 10% of the mount insured under section two for the contents of the uildings dmged or destroyed for loss or dmge cused y fire, lightning or explosion to the uildings other thn to the lndlord s fixtures or fittings for loss or dmge rising from susidence, heve or lndslip for loss or dmge cused y ny person tking prt in riot, violent disorder, strike, lour disturnce, civil commotion or cting mliciously for loss or dmge while the uildings re insufficiently furnished for dy to dy living, or unoccupied for more thn thirty (30) consecutive dys G the cost of repiring ccidentl dmge to domestic oil pipes underground wter-supply pipes underground sewers, drins nd septic tnks underground gs pipes underground cles which you re leglly lile for s tennt only the first GBP100 of every clim H ftl injury to you, hppening t the premises, cused y physicl violence y intruders or y fire, provided tht deth ensues within twelve (12) months of such injury, for the following mounts: GBP10,000 for ech insured person over sixteen (16) yers of ge, GBP5,000 for ech insured person under sixteen (16) yers of ge, t the time of deth I J costs you hve to py for replcing locks to sfes, lrms nd outside doors in the home following theft or loss of your keys incresed domestic metered wter chrges you hve to py following n escpe of wter which gives rise to clim ccepted y us under numer four (4) of section two ny mount over GBP500 in ny period of insurnce more thn GBP1,000 in ny period of insurnce. If you clim for such loss under sections one nd two, we will not py more thn GBP1,000 in totl Pge 17 of 35 SHI-Nov-2018

19 Section Two - Contents (continued) Accidentl dmge to contents The following pplies only if the schedule shows tht ccidentl dmge to contents is included. Wht is covered under this section Wht is not covered under this section This extension covers We will not py ccidentl dmge to the contents within the home for the first GBP250 of every clim c d e f g h i j k l for dmge or ny proportion of dmge which we specificlly exclude elsewhere under section two for loss or dmge to contents within grges nd outuildings for dmge while the home is lent, let or su let for dmge to money, nk crds, documents or stmps ny mount over GBP5,000 in totl for porcelin, chin, glss nd other rittle rticles for dmge or deteriortion of ny rticle cused y dyeing, clening, repir or renovtion of the item, or whilst it is eing worked upon for dmge cused y chewing, tering, scrtching or fouling y nimls, or dmge cused y insects, vermin or infesttion for dmge cused y fulty design or unsuitle mterils specifiction, workmnship or mterils for dmge cused y dryness, dmpness, wet or dry rot, mould or frost, or extremes of temperture nd exposure to light for ny dmge cused y or contriuted to y or rising from ny kind of pollution nd/or contmintion ny mechnicl rekdown or mlfunctioning of n rticle Connoisseur Policies Limited Pge 18 of

20 Conditions tht pply to section two (contents) only Settling clims How we del with your clim 1 If you clim for loss or dmge to the contents we will t our option repir, replce or py for ny rticle covered under section two. For totl loss or destruction of ny rticle we will py you the cost of replcing the rticle s new, s long s: the new rticle is s close s possile to ut not n improvement on the originl rticle when it ws new; nd we hve uthorised the cost of replcement. The ove sis of settlement will not pply to clothes; or pedl cycles where we will tke off n mount for deprecition in vlue. 2 We will not py the cost of replcing or repiring ny undmged prts of the contents which form prt of pir, set or suite or prt of common design or function when the loss or dmge is restricted to clerly identifile re or to specific prt. Your mount insured 3 We will not reduce the sum insured under section two fter we hve pid clim s long s you gree to crry out our recommendtions to prevent further loss or dmge. 4 If you re under-insured, which mens the cost of replcing or repiring the contents t the time of the loss or dmge is more thn your mount insured for the contents, then we will only py proportion of the clim. For exmple if your mount insured only covers one hlf of the cost of replcing or repiring the contents, we will only py one hlf of the cost of repir or replcement. Limit of insurnce We will not py ny more thn the sum insured for the contents of ech premises shown in the schedule Pge 19 of 35 SHI-Nov-2018

21 Section Three - Accidents to Domestic Stff This section pplies only if the contents re insured under section two. Wht is covered under this section We will py for your legl liility for mounts you ecome leglly lile to py, including costs nd expenses which we hve greed in writing in dvnce, for odily injury y ccident hppening during the period of insurnce nywhere in the world to your domestic stff employed in connection with the premises shown in the schedule Wht is not covered under this section We will not py for your legl liility for odily injury rising directly or indirectly from the use of ny vehicle outside the premises from ny vehicle used for rcing, pcemking or speed testing from ny communicle disese or condition in Cnd or the United Sttes of Americ fter the totl period of sty hs exceeded thirty (30) dys in the period of insurnce from ny niml other thn cts, horses or dogs which re not designted s dngerous under the Dngerous Dogs Act 1991, The Dngerous Dogs (Northern Irelnd) Order 1991 or Dngerous Dogs Act Amendment 1997,The Control of Dogs (Scotlnd) Act 2010 or ny mending legisltion Limit of insurnce We will not py more thn GBP5,000,000 for ny one ccident or series of ccidents rising out of ny one event, plus the costs nd expenses which we hve greed in writing in dvnce. Connoisseur Policies Limited Pge 20 of

22 Section Four Legl Liility to the Pulic This section pplies only if the schedule shows tht either the uildings re insured under section one or the contents re insured under section two of this insurnce. Prt A of this section pplies in the following wy: if the uildings only re insured, your legl liility s owner only ut not s occupier is covered under Prt A i elow. if the contents only re insured, your legl liility s occupier only ut not s owner is covered under Prt A i nd Prt A ii elow. if the uildings nd contents re insured, your legl liility s owner or occupier is covered under Prt A i nd Prt A ii elow. Wht is covered under this section We will py for your legl liility Wht is not covered under this section We will not py for your legl liility i OR ii s owner or occupier up to the sums insured stted in the schedule for ny mounts you ecome leglly lile to py s dmges for odily injury dmge to property cused y n ccident hppening t the premises during the period of insurnce, s privte individul for ny mounts you ecome leglly lile to py s dmges for odily injury dmge to property cused y n ccident hppening nywhere in the world during the period of insurnce c d e f g h for odily injury to you ny other permnent memer of the home ny person who t the time of sustining such injury is employed y you for odily injury rising directly or indirectly from ny communicle disese or condition rising out of ny criminl or violent ct to nother person or property for dmge to property owned y or in the chrge or control of you ny other permnent memer of the home ny person engged in your service in Cnd or the United Sttes of Americ fter the totl period of sty in either or oth countries hs exceeded thirty (30) dys in the period of insurnce rising directly or indirectly out of ny profession, occuption, usiness or employment or yours which is your legl liility y hving entered into contrct nd which would not otherwise e covered rising out of your ownership, possession or use of: i ii ny motorised or horse drwn vehicle other thn: domestic grdening equipment used within the premises nd domestic pedestrin controlled grdening equipment ny power-operted lift other thn stirlifts iii ny ircrft or wtercrft other thn mnully operted rowing ots, punts or cnoes iv ny niml other thn cts, horses, or dogs which re not designted s dngerous under the Dngerous Dogs Act 1991, The Dngerous Dogs (Northern Irelnd) Order 1991 or Dngerous Dogs Amendment 1997 or The Control of Dogs (Scotlnd) Act 2010 or ny mending legisltion Pge 21 of 35 SHI-Nov-2018

23 Section Four Legl Liility to the Pulic (continued) i j in respect of ny kind of pollution nd/or contmintion unless it is: cused y sudden, identified, unexpected nd unforeseen ccident which hppens in its entirety t specific moment of time during the period of insurnce t the premises nmed in the schedule; nd reported to us not lter thn thirty (30) dys from the end of the period of insurnce; in which cse ll such pollution nd/or contmintion rising out of such ccident shll e deemed to hve hppened t the time of such ccident rising out of your ownership, occuption, possession or use of ny lnd or uilding tht is not within the premises Prt B Wht is covered under this section We will py for mounts which you hve een wrded y court in the United Kingdom nd which still remin outstnding three (3) months fter the wrd hs een mde provided tht: Prt A(ii) of this section would hve pid on your ehlf hd the wrd een mde ginst you rther thn to you there is no ppel pending you gree to llow us to enforce ny right which we shll ecome entitled to upon mking pyment Wht is not covered under this section We will not py for ny mount in excess of GBP100,000 Prt C Wht is covered under this section We will py for ny mount you ecome leglly lile to py under Section 3 of the Defective Premises Act 1972 or Article 5 of the Defective Premises (Northern Irelnd) Order 1975 in connection with ny home previously owned nd occupied y you Wht is not covered We will not py for the cost of repiring ny fult or lleged fult Limit of insurnce We will not py more thn GBP2,000,000 in ll, in respect of pollution nd/or contmintion. in respect of other liility covered under section four - more thn GBP2,000,000 in ll for Prt A nd C, nd GBP100,000 for Prt B for ny one ccident or series of ccidents rising out of ny one event, plus the costs nd expenses which we hve greed in writing in dvnce. Connoisseur Policies Limited Pge 22 of

24 Section Five Fine rt, vlules nd personl possessions Wht is covered under this section This insurnce covers Wht is not covered under this section We will not py Fine rt, vlules nd personl possessions listed in the schedule (or specifiction(s) ttched) ginst physicl loss or dmge within the geogrphicl limits shown in the schedule c d e f g h i j k for dmge cused y moth or vermin for dmge cused directly or indirectly y electricl or mechnicl fults or rekdown ny mount over GBP5,000 for ny one item unless stted otherwise in the schedule or the specifiction(s) ttched to the schedule for loss or dmge or deteriortion of ny rticle cused y dyeing, clening, repir or renovtion of the item, or whilst it is eing worked upon for dmge to guns cused y rusting or ursting of rrels for rekge of ny sports equipment whilst in use for theft or disppernce of jewellery nd wtches from ggge unless such ggge is crried y hnd nd under your personl supervision for moile telephones nd computer equipment unless otherwise stted in the specifiction(s) ttched to the schedule ny mount over GBP1,000 in totl in respect of theft or disppernce of property from ny vehicle when such vehicle is left unttended without someone uthorised y you eing inside the vehicle ny mount over GBP2,500 in totl in respect of theft or disppernce of jewellery nd wtches from hotel or motel rooms during your sence from such rooms the first GBP100 of every clim in respect of unspecified items Conditions tht pply to section five (fine rt, vlules nd personl possessions) only How we del with your clim 1 We will t our option repir, replce or py for ny rticle lost or dmged. 2 If ny insured item which is prt of pir or set nd hs n insured vlue of GBP2,500 or over: we will not py for the cost of replcing ny undmged or remining items tht form prt of such pir or set we will not py more thn the proportion tht the lost or dmged item ers to the insured vlue of such pir or set. Under Insurnce 3 You re under insured if the totl vlue of unspecified items t the time of the loss or dmge is more thn your mount insured for such items, then we will only py for proportion of the clim. For exmple if your mount insured only represents one hlf of the totl vlue of unspecified items we will only py one hlf of the cost of repir or replcement. Limit of insurnce We will not py more thn the mount(s) insured shown in the schedule Pge 23 of 35 SHI-Nov-2018

25 Section Six Domestic freezer cover The following cover pplies only if the schedule shows tht it is included. Wht is covered under this section Section two of this contrct of insurnce extends to cover Wht is not covered under this section We will not py the cost of replcing your food in your fridge or freezer if it is spoiled due to chnge in temperture or contminted y refrigertion fumes for loss or dmge cused y ny electricity or gs compny cutting off or restricting your supply for loss or dmge due to the filure of your electricity or gs supply cused y strike or ny other industril ction Limit of insurnce We will not py more thn the mount insured shown in the schedule. Connoisseur Policies Limited Pge 24 of

26 Section Seven Pedl cycle cover The following cover pplies only if the schedule shows tht it is included. Wht is covered under this section Section two of this insurnce extends to cover the following Wht is not covered under this section We will not py the cost of repiring or replcing your pedl cycles following: theft or ttempted theft ccidentl dmge occurring during the period of insurnce nywhere in the United Kingdom c d for loss or dmge to: tyres, lmps, ccessories, unless the cycle is stolen or dmged t the sme time for dmge from mechnicl or electricl fults or rekdown for loss or dmge while the cycle is used for rcing or pcemking or is let out on hire or is used other thn for privte purposes to replce stolen cycle unless it ws locked to n immovle oject or kept in locked uilding t the time of the theft Limit of insurnce We will not py more thn the mount insured shown in the schedule Pge 25 of 35 SHI-Nov-2018

27 Section Eight Money nd nk crd cover The following cover pplies only if the schedule shows tht it is included. Wht is covered under this section Section five of this insurnce extends to cover the following Wht is not covered under this section We will not py theft or ccidentl loss of money ny mounts which you ecome leglly lile to py s result of unuthorised use following loss or theft of your nk crd(s) during the period of insurnce within the geogrphicl limits shown in the schedule, provided tht within twenty four (24) hours of your discovering ny such loss or theft, you hve notified the police or order uthorities nd, in the cse of nk crd(s), the crd issuing compny; nd you hve complied with ll other conditions of your nk crd(s) provider regrding loss nd/or cncelltion c the first GBP100 of every clim to mke up ny shortges due to error or omission (for exmple, loss of money due to the mlfunction of csh mchine) for loss of vlue Limit of insurnce We will not py more thn the mount(s) insured shown in the schedule. Connoisseur Policies Limited Pge 26 of

28 Generl exclusions pplicle to the whole of this Insurnce c d e Nucler rection, nucler rdition or rdioctive contmintion We will not py for 1 Loss or destruction of or dmge to ny property whtsoever, or ny loss or expenses whtsoever; 2 Any legl liility of whtsoever nture, or deth or injury to ny person directly or indirectly cused y or contriuted to y or rising from nucler rection, nucler rdition or rdioctive contmintion. Wr directly or indirectly cused y or contriuted to y or rising from: We will not py for ny loss or dmge or liility directly or indirectly cused y, hppening through or in consequence of wr, invsion, cts of foreign enemies, hostilities (whether wr e declred or not), civil wr, reellion, revolution, insurrection, militry or usurped power, or confisction or ntionlistion or requisition or destruction of or dmge to property y or under the order of ny government or pulic or locl uthority. Existing nd Delierte Dmge We will not py for loss or dmge: Occurring efore or rising from n event efore the eginning of the period of insurnce. Cused deliertely y you or ny permnent memer of your home. Indirect Loss or Dmge We will not py for ny loss or dmge tht is not directly ssocited with the incident tht cused you to clim, unless expressly stted in this insurnce. Electronic Dt Exclusion Cluse We will not py for 1 loss or dmge to ny property whtsoever, or ny loss or expenses whtsoever; or 2 ny legl liility of whtsoever nture; directly or indirectly cused y or contriuted to y or rising from; computer viruses, ersure or corruption of electronic dt; or the filure of ny equipment to correctly recognise the time nd dte or chnge of time nd dte; For the purposes of this exclusion computer virus mens set of corrupting, hrmful or otherwise unuthorised instructions or code including set of mliciously introduced unuthorised instructions or code, progrmmtic or otherwise, tht propgte themselves through computer system or network of whtsoever nture. f Biologicl nd Chemicl Contmintion We will not py for 1 loss or dmge to ny property whtsoever, or ny loss or expenses whtsoever; 2 ny legl liility of whtsoever nture; 3 deth or injury to ny person; directly or indirectly cused y or contriuted to y or rising from Biologicl or Chemicl contmintion due to or rising from; terrorism; nd/or steps tken to prevent, suppress, control or reduce the consequences of ny ctul, ttempted, thretened, suspected or perceived terrorism. For the purposes of this exclusion terrorism mens ny ct(s) of ny person(s) or orgnistion(s) involving: the cusing, occsioning or thretening of hrm of whtever nture nd y whtever mens; putting the pulic or ny section of the pulic in fer; in circumstnces in which it is resonle to conclude tht the purpose(s) of the person(s) or orgnistion(s) concerned re wholly or prtly of politicl, religious, ideologicl or similr nture Pge 27 of 35 SHI-Nov-2018

29 Generl exclusions pplicle to the whole of this Insurnce (continued) g h i Loss of vlue We will not py for ny reduction in vlue of the property insured following repir or replcement pid for under this insurnce. Wer nd Ter We will not py for loss or dmge cused y wer nd ter or ny other grdully operting cuse (for exmple, dmp formed over period of time due to locked or poorly mintined guttering, or the mechnicl or electricl filure of television). Other insurnce We will not py ny clim if ny loss, dmge or liility covered under this insurnce is lso covered wholly or in prt under ny other insurnce. However, if the other insurnce hs higher excess, we will py the difference etween the excess on this insurnce nd the excess of the other insurnce. This cluse does not pply to ftl injury (section two-h). Connoisseur Policies Limited Pge 28 of

30 How to mke clim Things you must do You must comply with the following conditions. If you fil to do so, we my not py your clim, or ny pyment could e reduced. 1 You must notify your roker s soon s possile giving full detils of wht hs hppened. 2 You must provide your roker with ny other informtion we my require. 3 You must forwrd to your roker s soon s possile, ut no lter thn fourteen (14) dys, if clim for liility is mde ginst you, ny letter, clim, writ, summons or other legl document you receive. 4 You must inform the Police s soon s possile following ny loss cused y mlicious cts, violent disorder, riots or civil commotion, theft, ttempted theft or lost property. 5 You must not dmit liility or offer or gree to settle ny clim without our written permission. 6 You must tke ll resonle cre to limit ny loss, dmge or injury. 7 You must provide us with resonle evidence of vlue or ge (or oth) for ll items with vlue of more thn GBP5,000 involved in clim. 8 You must retin ownership of your property t ll times. We will not tke ownership of, or ccept liility for, ny of your property unless we gree with you in writing in dvnce to do so. Detils of how we will del with your clim cn e found t the end of ech section of cover. Defence of clims We my, t our discretion: tke full responsiility for conducting, defending or settling ny clim in your nme; nd tke ny ction we consider necessry to enforce your rights or our rights under this contrct of insurnce. Frudulent clims If you, or nyone cting on your ehlf, mke clim knowing it to e flse or frudulent in mount or in ny other respect, this insurnce will ecome invlid. This mens we will not py the flse or frudulent clim, or ny susequent clim. Complints Our im is to ensure tht ll spects of Your insurnce re delt with promptly, efficiently nd firly. At ll times We re committed to providing You with the highest stndrd of service. If You hve ny questions or concerns out Your insurnce or the hndling of clim You should, in the first instnce, contct: The Complints Tem, Tokio Mrine Kiln, 20 Fenchurch Street, London EC3M 3BY Tel: Fx: Emil: complints@tokiomrinekiln.com Wesite: For certin clsses of usiness We ct s Mnging Agents to certin Syndictes t Lloyd s. In these circumstnces the following contct detils t Lloyd s pply. In the event tht You remin disstisfied nd wish to mke complint, You cn do so t ny time y referring the mtter to the Complints tem t Lloyd s. The contct detils re: Complints, Lloyd s, One Lime Street, London EC3M 7HA Tel: Fx: E-mil: complints@lloyds.com Wesite: Plese note tht some complints require fuller enquiry thn others. If this is the cse, We shll contct You within 20 working dys to give You n expected dte of response. Alterntively or conjointly, You my refer Your complint to Your Insurers, who will del with it under their stted complints procedure. If You feel tht Our response does not resolve Your issue, You my refer the mtter to the Finncil Omudsmn Service t: Finncil Omudsmn Service, Exchnge Tower, London. E14 9SR Tel: lterntive no Interntionl clls Fx: Wesite: Pge 29 of 35 SHI-Nov-2018

31 How to mke complint (continued) However, the Omudsmn will only consider Your complint if, 1. You hve referred the mtter to Us nd/or Your Insurers, 2. You re privte policyholder or usiness (micro-enterprise) with group nnul turnover of less thn 2,000,000, chrity with n nnul income of less thn 2,000,000 or trustee of trust with net sset vlue of less thn 2,000,000 - nd You employ fewer thn ten employees. Providing You meet these criteri nd We hve not mnged to resolve Your complint within 40 working dys of Your hving mde it, You my refer direct to the FOS. We re memers of the Finncil Services Compenstion Scheme. You my e entitled to compenstion from the scheme if We cnnot meet Our oligtions. This depends on the type of usiness nd the circumstnces of the clim. Further informtion out compenstion scheme rrngements is ville y visiting their wesite. Finncil Services Compenstion Scheme, PO Box 300, Mitchelden, GL17 1DY Tel: Interntionl clls Wesite: Dt Protection Notice For the purposes of this Notice, We/Us/Our includes certin Underwriters t Lloyd s, the Coverholder Anthony Wkefield & Compny Limited nd ny gents. You/Your includes the Insured, nd nyone who provides dt to the Coverholder, or who is or ecomes insured y Us under contrct of insurnce (the Policy). The security of dt is very importnt to Us, which We will hndle with ll pproprite security mesures. We will collect nd process dt (including Personl informtion) out ny person insured under the Policy for its dministrtion, the hndling of clims nd the provision of customer services, nd my shre it with relted entities nd with trusted service providers nd gents such s lwyers, s well s other prties such s nti-frud dtses, suject to proper instruction nd control. Our hndling of dt is consistent with the core necessry Personl dt uses nd disclosures set out in the London Insurnce Mrket Core Uses Informtion Notice which You should review. All dt my e used y Us for generic risk ssessment nd modelling purposes ut will not e used or pssed to ny other prty for mrketing products or services without Your express consent. All dt provided y You out other people to e insured, such s Fmily, friends or other ssocites, must e with their permission. It is Your responsiility to inform them out Our use of their dt. Dt will not e retined for longer thn necessry nd will e deleted within seven yers fter expiry of the Policy, unless it is further required for legl or regultory resons. You hve numer of rights in reltion to the dt, including the right to request copy of the informtion (for which there my e smll fee), to correct ny inccurcies nd in certin circumstnces to hve it deleted. Dt trnsferred outside the Europen Economic Are will hve equivlent protection. If further informtion is required s to how dt is processed, or s to the exercise of ny rights under ny dt privcy lws, You should contct Anthony Wkefield & Compny Limited t: South House, South Street, Dorking, Surrey, RH4 2JZ Tel: Emil: w@nthonywkefield.com Wesite: If You re/is not stisfied with the wy in which ny Personl dt hs een mnged, You my complin to the Informtion Commissioner s Office t: Informtion Commissioner s Office, Wycliffe House, Wter Lne, Wilmslow, Cheshire, SK9 5AF, United Kingdom Tel: Emil: Wesite: Snctions (locl rte) or (ntionl rte) csework@ico.org.uk We will not provide ny enefit under this insurnce to the extent of providing cover, pyment of ny clim or the provision of ny enefit where doing so would rech ny snction, prohiition or restriction imposed y lw or regultion. Connoisseur Policies Limited Pge 30 of

32 Endorsements THE FOLLOWING CLAUSES APPLY ONLY IF THEY ARE STATED IN THE SCHEDULE 1 Hotel nd motel cluse This cluse overrides exclusion (j) of section five (vlules nd personl possessions). This insurnce does not cover theft or disppernce of jewellery nd wtches from hotel or motel rooms during your sence from such rooms. 2 Alrm cluse This insurnce does not cover theft: when the premises re left unttended; or t night, unless: () t ll such times the intruder lrm hs een put into full nd effective opertion, nd () the intruder lrm is kept in good working order t ll times throughout the period of insurnce under mintennce contrct with the instlling compny who is memer of recognised trde ody. 3 Sfe cluse (limited) This insurnce does not cover theft from the home of individul jewellery items or wtches listed in the schedule (or specifiction(s) ttched): when the premises re left unttended; or t night, unless those individul jewellery items or wtches re kept in locked sfe. 4 Sfe cluse (full) This insurnce does not cover theft of jewellery nd wtches from the home unless the jewellery nd wtches re kept in locked sfe whilst not eing worn. 5 Keys cluse This insurnce does not cover theft of jewellery nd wtches from sfe(s) unless you hve removed the keys of the sfe(s) from the home while you re sent from the premises. 6 Musicl instruments cluse This insurnce does not cover the reking of strings, reeds or drumheds forming prt of musicl instruments. 7 Theft limittion cluse This insurnce does not cover theft or ttempted theft from the home other thn s result of violent nd forcile entry. 8 Non-stndrd construction cluse It is greed tht the privte dwelling of the home is not of stndrd construction. 9 Minimum security cluse This insurnce does not cover theft from the privte dwelling of the home unless the undernoted minimum protections re fitted. Externl Doors: Ptio Doors: Windows: Lever Mortice Dedlocks (conforming to British Stndrd 3621) or if composite or UPVC type multi locking point system. In ddition to centrl locking device, key operted olts to top nd ottom opening sections or multi locking point system. Key operted security locks to ll ground floor nd other ccessile windows Pge 31 of 35 SHI-Nov-2018

33 Endorsements - (continued) 10 Susidence, heve or lndslip exclusion cluse Susidence or heve of the site upon which the uildings stnd or lndslip s shown in numer 9 of sections one nd two is not covered y this insurnce. 11 Flood exclusion cluse Section one (uildings) nd section two (contents) of this insurnce do not cover loss or dmge cused y flood other thn directly resulting from escpe of wter from fixed wter tnks, pprtus or pipes s shown in numer 4 of sections one nd two. 12 Contrctors exclusion cluse This insurnce does not cover loss, dmge or liility rising out of the ctivities of contrctors. 13 Index-linking cluse The mounts insured in section one (uildings) nd section two (contents) will e indexed ech month in line with the following: Section one (uildings): The House Reuilding Cost Index issued y the Royl Institution of Chrtered Surveyors. Section two (contents): The Consumer Durles Section of the Generl Index of Retil Prices or similr index selected y us. We will not chrge you n extr premium for ny monthly increse, ut t ech renewl we will clculte the premium using the new mounts insured. For your protection should the index fll elow zero we will not reduce the mount insured. 14 Business-use extension cluse In return for the pyment of n extr premium section four A(i) extends to include your legl liility, s defined in tht section, for using the home for the usiness purposes which re detiled in the schedule. However, we will not cover ny liility rising out of dvice given or services rendered in respect of your profession, occuption or usiness or employment. 15 Thtch cluse It is your duty to ensure tht: where it is within your control you do not llow ny onfires/incinertors to e lit within fifty (50) metres of the premises; ll old thtch nd thtching is urnt t distnce of more thn fifty (50) metres from the premises; no nked flmes or tools producing nked flmes re present in the ttic or loft spce t ny time; two fire extinguishers re kept in the home nd re mintined in good working order; one of which must e stored in the kitchen nd e dry powder. If you fil to comply with the ove duties this insurnce my ecome invlid in respect of loss or dmge cused y fire. 16 Your nk s or uilding society s interest cluse The rights of the nk or uilding society who provided your mortgge will not e ffected y nything you do to increse the risk of loss or dmge to the home provided tht they were unwre of such ction. The nk or uilding society must write nd tell us s soon s they ecome wre of ny ction you hve tken to increse the risk of loss or dmge. They my lso hve to py n extr premium which you will hve to repy them. 17 Protections cluse It is your duty to ensure tht ll protections provided for the security of the home nd contents: re mintined in good working order, nd re in full nd effective opertion whenever you re sent from the premises. If you fil to comply with the ove duties this insurnce will not py clim in respect of loss or dmge resulting from unuthorised entry. Connoisseur Policies Limited Pge 32 of

34 Endorsements - (continued) 18 Unttended vehicles cluse This cluse overrides exclusion (k) of section five (vlules nd personl possessions). This insurnce does not cover theft or disppernce of property from ny vehicle when such vehicle is left unttended without someone uthorised y you eing inside the vehicle. 19 Unoccupncy cluse If you leve the home unoccupied for more thn thirty (30) consecutive dys we will not py () the first GBP250 of ech nd every clim () for loss or dmge cused y theft or ttempted theft or mlicious cts to: money nd nk crds; vlules; televisions, rdios, gming consoles, DVD plyers, home computers, nd ll other udio nd video equipment. (c) for loss or dmge directly cused y escpe of wter from nd frost dmge to fixed wter tnks, pprtus or pipes unless the wter hs een turned off t the point of supply to the uildings. 20 Chimney Cluse It is your duty to ensure tht: ll chimneys nd/or flues to solid fuel stoves, oilers nd open fires re kept in good stte of repir nd they must e professionlly clened within thirty (30) dys of the inception dte of this insurnce or not more thn six (6) months since the lst time they were professionlly clened, whichever is the sooner. Therefter you must hve them clened t not more thn 6 monthly intervls; you must keep in your possession the originl dted receipts for ll clening opertions (including ny clening opertion prior to the inception of this insurnce) for period of eighteen (18) months. You will hve to produce them for our inspection if we sk for them; for the purposes of this insurnce professionlly will refer to n individul or compny who re memers of recognised trde ody. If you fil to comply with ny of the ove duties this insurnce my ecome invlid in respect of loss or dmge cused y fire. 21 Flt Roof Endorsement It is your duty to ensure tht under this insurnce ny res of flt roof(s) re checked t your own expense t lest every five (5) yers y n individul or compny who re memers of recognised trde ody nd ny fults rectified Pge 33 of 35 SHI-Nov-2018

35 In this contrct of insurnce, our syndicte numers nd proportions re from shown in the tle elow. We ind ourselves severlly nd not jointly, tht is, in the event of loss, ech of us (nd our Executors nd Administrtors) is lile only for our own shre of our syndicte's proportion of the risk. You or your representtive cn otin the nme of ech of us nd our respective shres y pplying to Mrket Services, Lloyd s, One Lime Street, London EC3M 7HA. We re uthorised y the Prudentil Regultion Authority nd regulted y the Finncil Conduct Authority nd Prudentil Regultion Authority. Our Firm Reference Numer(s) nd other detils cn e found on the Finncil Services Register t Tle showing Lloyd's Syndicte numers nd proportions Syndicte TMK 510 Syndicte NVA 2007 Syndicte HDU % 25% 30.00% Fine Art & Generl Insurnce Brokers Connoisseur Policies Limited Pge 34 of

36 Fine Art & Generl Insurnce Brokers Commercil, Household nd Specilist Policies Including Antique Delers nd Collectors South House, South Street, Dorking, Surrey, RH4 2JZ Authorised nd Regulted y the Finncil Conduct Authority Tel: Fx: