When and how do I pay? You can pay in full when you take out your policy; alternatively, monthly instalment options are available.

Transcription

1 Hme Emergency Cver Landlrd Hme Emergency Cver This dcument is a shrt summary f the cver prvided by HmePrtect. Yur plicy bklet includes full details f what yu are cvered fr. This Hme Emergency insurance plicy will pay fr csts incurred fr a cntractr t carry ut emergency repairs t yur hme in respect f the emergency events listed belw. Burst pipes r sudden leakage Sudden and unexpected failure f yur dmestic water mains supply Sudden and unexpected blckage r breaking r flding f drains r sewers; Sudden and unexpected failure f ht water heating; Ttal failure and/r breakdwn f yur primary heating system; An inperable tilet when there is n ther tilet in the building The prperty being made insecure due t failure external lcks, drs r windws; Failure f the rfing r guttering An infestatin f pests If the prperty is uninhabitable vernight as the result f an emergency, the cst f temprary accmmdatin. General maintenance Any nn-emergency event; Failure f any services where the prblem ccurs utside yur prperty Slar pwered panels r any nn-dmestic central heating biler Claims where the prperty has been left unccupied fr mre than 30 cnsecutive days Claims in respect f bilers ver 15 years f age; Any biler r system nt serviced in line with the manufacturer s recmmendatins Claims in respect f the breakdwn f dmestic appliances r Saniflw tilets; Any csts assciated with anther prperty r any cmmunal r shared area! A claims limit f 500 (incl VAT) applies t this plicy, apart frm claims in respect f alternative accmmdatin where a limit f 100 (incl VAT) per claim applies.! This plicy is available fr the main private dwelling shwn in the plicy schedule! This plicy prvides a temprary repair t prevent damage, r if at similar expense the cst f cmpleting a permanent repair Yu must prvide full and accurate infrmatin t all questins asked. Yur answers must be true t the best f yur knwledge and belief. Yur answers will frm part f the statement f facts n which yur plicy will be based. If yu becme aware that infrmatin yu have given us is inaccurate r has changed, yu must infrm us as sn as pssible. Failure t d this may invalidate yur plicy and claims may nt be paid.

2 This dcument is a shrt summary f the cver prvided by HmePrtect. Yur plicy bklet includes full details f what yu are cvered fr. The plicy cvers legal expenses prtectin fr the events listed up t a maximum liability f csts up t 100,000 in respect f any ne claim and a ttal f 500,000 within the perid f insurance fr the cmpany, firm, partnership, management agent, assciatin r individual which wns r is respnsible fr the prperty nted n the plicy schedule which is let slely fr dmestic residential purpses; prvided that they ccur during the duratin f this plicy and are ntified t us as sn as reasnably pssible after the event. Prperty wner s legal Attendance expenses Rent recvery Any claim nt ntified 45 days after the date f event; Any claims ccurring within the first 90 days f the first perid f insurance if the tenancy agreement started befre the inceptin date f the plicy, r arising within 90 days f the first perid f insurance unless yu held cmparable legal expenses insurance prir t the inceptin f this plicy An excess f 200 applies fr Rent recvery claims where psitive tenant references nt btained r credit reference checks passed Claims utside the territrial limits Claims nt in the perid f insurance.! There must be reasnable prspects f success t accept yur claim f 51% r greater chance that yu will recver lsses r damages! Any depsits must be prperly prtected in accrdance with the relevant legislatin;! Buildings insurance cvering the standard range f perils must be maintained in frce during the perid f insurance;! Rent recvery under 1000! Attendance limited t a maximum f 100 per day and 1,000 fr any ne claim;! Fllwing a claim under this plicy we will require the fllwing infrmatin: A cpy f the Tenancy Agreement; A cpy f the Guarantr Agreement (if applicable); A cpy f the Tenant Reference(s); An up t date Rent Schedule Cpies f any ntices and crrespndence which has been exchanged; Cnfirmatin that any depsit taken has been prperly prtected A cpy f the inventry f cntents and cnditins f the prperty; Prf f buildings r cntents insurance which is in frce n the prperty. Yu must prvide full and accurate infrmatin t all questins asked. Yur answers must be true t the best f yur knwledge and belief. Yur answers will frm part f the statement f facts n which yur plicy will be based. If yu becme aware that infrmatin yu have given us is inaccurate r has changed, yu must infrm us as sn as pssible. Failure t d this may invalidate yur plicy and claims may nt be paid.

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4 Landlrd Premier Legal Expenses Cver with Rent Guarantee This dcument is a shrt summary f the cver prvided by HmePrtect. Yur plicy bklet includes full details f what yu are cvered fr. The plicy cvers legal expenses prtectin fr the events listed up t a maximum liability f csts up t 100,000 in respect f any ne claim and a ttal f 1,000,000 within the perid f insurance fr the cmpany, firm, partnership, management agent, assciatin r individual which wns r is respnsible fr the prperty nted n the plicy schedule which is let slely fr dmestic residential purpses; prvided that they ccur during the duratin f this plicy and are ntified t us as sn as reasnably pssible after the event. Prperty wner s legal Repair and renvatin Health and safety prsecutins Tax prtectin Evictin Attendance expenses Rent prtectin cver up t 2,500 per mnth Any claim nt ntified 45 days after the date f event; Any claims ccurring within the first 90 days f the first perid f insurance if the tenancy agreement started befre the inceptin date f the plicy, r arising within 90 days f the first perid f insurance unless yu held cmparable legal expenses insurance prir t the inceptin f this plicy An excess f 250 fr legal expenses claims, and the greater f ne mnth s rent r 500 in respect f rent prtectin claims Claims utside the territrial limits Claims nt in the perid f insurance.! There must be reasnable prspects f success t accept yur claim f 51% r greater chance that yu will recver lsses r damages! Any depsits must be prperly prtected in accrdance with the relevant legislatin;! Buildings insurance cvering the standard range f perils must be maintained in frce during the perid f insurance;! Claims under the Rent Prtectin sectin until a full mnth s rent is in arrears! Attendance limited t a maximum f 100 per day and 1,000 fr any ne claim;! Fllwing a claim under this plicy we will require the fllwing infrmatin: A cpy f the Tenancy Agreement; A cpy f the Guarantr Agreement (if applicable); A cpy f the Tenant Reference(s); An up t date Rent Schedule Cpies f any ntices and crrespndence which has been exchanged; Cnfirmatin that any depsit taken has been prperly prtected A cpy f the inventry f cntents and cnditins f the prperty; Prf f buildings r cntents insurance which is in frce n the prperty. Yu must prvide full and accurate infrmatin t all questins asked. Yur answers must be true t the best f yur knwledge and belief. Yur answers will frm part f the statement f facts n which yur plicy will be based. If yu becme aware that infrmatin yu have given us is inaccurate r has changed, yu must infrm us as sn as pssible. Failure t d this may invalidate yur plicy and claims may nt be paid.

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