Tenant s Insurance. Initial Disclosure Document Policy Summary
|
|
- Laurel Gordon
- 6 years ago
- Views:
Transcription
1 Tenant s Insurance Initial Disclosure Document Policy Summary This document includes both the Initial Disclosure Document (IDD) and the Policy Summary Document for Tenant s Insurance. These are important documents, please make sure that you read them with your Policy Wording document.
2 About our insurance services...for tenants HomeLet Hestia House Unit 2 Edgewest Road Lincoln LN6 7EL 1 The Financial Conduct Authority (FCA) The FCA is the independent statutory watchdog that regulates financial services. Use this information to decide if our services are right for you. 2 Whose products do we offer? We offer products from a range of insurers. We only offer products from Ageas Insurance Limited (50%) and Propgen Insurance Limited (50%) as co-insurers across our range of tenant s insurance products. The liability sections of the covers are 100% underwritten by Ageas Insurance Limited. 3 Which service will we provide you with? We will advise and make a recommendation for you after we have assessed your needs. You will not receive advice or a recommendation from us for any policy. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed. 4 What will you have to pay for our services? A fee of 1.99 for administering on your behalf each premium instalment for Tenant s Insurance where the premium is not paid in full. A fee of for affecting mid-term adjustments on your behalf for Tenant s Insurance which alter the risk address or the cover, except during the 14 day cooling off period. A fee of for affecting the cancellation on your behalf for Tenant s Insurance where the premium was paid in one lump sum to cover the full term of the policy, except during the 14 day cooling off period. We will not refund any amounts which are less than 5.00 unless you specifically request us to do so. No fee for affecting the cancellation on your behalf for Tenant s Insurance where the premium is paid in instalments. No fee for arranging (or renewing) a policy. You will receive a quotation which will tell you about any other fees relating to any particular insurance policy. 5 Who regulates us? HomeLet is a trading name of Barbon Insurance Group Limited, Hestia House, Edgewest Road, Lincoln, LN6 7EL, which is authorised and regulated by the Financial Conduct Authority for insurance mediation. Registered in England number Our permitted business is administering and arranging general insurance contracts. You can check this on the FCA s Register by visiting the FCA s website or by contacting the FCA by telephone on
3 6 Ownership Caley Limited owns 100% of our share capital. Caley Limited owns 100% of Propgen Insurance Limited s share capital. 7 What to do if you have a complaint If you wish to register a complaint, please contact us: in writing Complaints Department, HomeLet, Hestia House, Unit 2 Edgewest Road, Lincoln, LN6 7EL by phone by complaints@homelet.co.uk If you can t settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. 8 Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.
4 Tenant s Insurance Policy Summary This document provides a summary of the cover provided and gives reference points from the Policy Wording document throughout. Full details can be found in the Policy Wording document, which is available online at homelet.co.uk or by request. A copy will also be sent to you if you take out a policy with us. Where a policy is arranged you should refer to your Policy Wording document, policy schedule and any endorsements that apply for full details of the cover in force. Type of Insurance Tenant s Insurance is underwritten by Ageas Insurance Limited (50%) and Propgen Insurance Ltd (50%), with the exception of the legal liability and worldwide personal liability sections of cover, which are underwritten by Ageas Insurance Limited (100%), and undertaken by HomeLet on their behalf. Period of Cover Tenancy Liability Cover is available for 12 months, after which the policy may be renewed for a further 12 months, until the policy is cancelled by You. Tenant s Contents Insurance+ is available for 12 months, after which the policy may be renewed for a further 12 months, until the policy is cancelled by You. Eligibility This policy provides cover for the proposer, their domestic partner and members of their family permanently living in the home. Cover is automatically extended to include up to two sharers subject to minimum levels of Contents cover being in force. Territorial Limits Cover is speciically designed for tenanted properties in Great Britain and Northern Ireland. Sums Insured Tenancy Liability - 2,500 Minimum Contents Sum Insured 5,000 Maximum Sum Insured 59,999. Sum Insured on Tenant s Contents Insurance + of 60,000 or more may be considered on referral to underwriters Minimum Security Tenant s Contents Insurance+ ONLY For properties where the postcode is included on the application form or where the Contents Sum insured is equal to or greater than 30,000, the front and inal exit doors must be itted with a mortice deadlock. All other external doors should also have deadlocks or, if it s more convenient, be itted top and bottom with key operated security bolts. All accessible* windows, fanlights and skylights, that can be opened must be secured with window locks with detachable keys. Where the minimum standard of security is not met theft or attempted theft cover is excluded. * By accessible we mean those windows, fanlights and skylights where entry can be attempted from the outside by a person of normal physical ability without the need to bring anything to the site or use any ladder, stepladder or scaffolding found on the site in order to do so. Valuables Valuables are covered within the Home up to a third of the Contents Sum Insured. Sets/Suites We will not pay for the replacement of or work on any undamaged items or remaining parts of the Insured Property solely because they form part of a set, suite, group or collection of articles of a similar nature, colour, pattern or design. Business Equipment Cover excludes property held for business or professional purposes. Average Clause The Sum Insured declared must represent the cost of replacing the Contents on a new for old basis otherwise average may be applied to a claim. This means that you will bear a proportion of each loss, which will be the equivalent to the proportion of underinsurance. Policy Excess (Incident Excess) 100 Standard 500 Malicious Act Applicable to Section 1 and Section 2 of the Policy Wording.
5 Tenancy Liability Cover Significant Features and Benefits Liability as a Tenant If you are liable under a tenancy agreement for loss or damage, in particular circumstances, to the landlord s property we will pay those costs up to a speciied limit. Up to 2,500 for accidental damage to your Home and its ixtures, ittings and furnishings. Up to 2,500 for accidental damage to service pipes and cables, all ixed glass and sanitaryware and ixed water pipes and tanks caused by freezing, overheating or excessive water pressure. Refer to Section 1 We will not pay for Please be aware Tenancy Liability can only be bought over the telephone by calling us on: If you choose to add contents cover to your policy then the following signiicant features, beneits, exclusions, limitations and conditions will apply: Significant Features and Benefits Contents within your home Covers the Contents within your Home against loss or damage caused by ire, explosion, lightning, earthquake, storm, lood, collision or impact, riot, malicious act, escape of water or oil from ixed water or ixed heating installation or washing machine, theft or attempted theft, breakage or collapse of aerial, subsidence, landslip or heave. Covers the proposer, their domestic partner and members of their family permanently living in the home. Cover is automatically extended to include up to two sharers subject to minimum levels of cover being in force. Where the Contents Sum Insured is 10,000 but less than 15,000 one sharer is included and where the Contents sum insured is 15,000 or more two sharers are included. Contents temporarily removed. Covers up to 15% of the Contents Sum Insured for items that are temporarily removed from your Home but still within the British Isles. Accidental Damage to Mirrors and Glass in Furniture. Replacement of External Door Locks. Fatal Accident Beneit. Legal Liability/Personal Liability Covers you, your family and sharers (if the appropriate cover has been chosen) against liability for damage or injury to a third party. Additional Liability as a Tenant cover If you are liable under a tenancy agreement for loss or damage, in particular circumstances, to the landlord s property we will pay those costs up to a speciied limit. Excludes damage caused by malicious act, escape of water or oil, theft or attempted theft, freezer food and accidental damage where the Home remains Unoccupied for more than 30 consecutive days. Malicious Act, theft or attempted theft by you, your family or any person lawfully in your Home is excluded. Loss or damage to fences or gates by storm or lood or by falling trees or branches is excluded. Cover is restricted to 500 for items stolen from an outbuilding. Refer to Section 2 We will not pay for Where there is one sharer, the maximum that will be paid to the sharer is 50% of the Contents Sum Insured and where there are two sharers the maximum that will be paid to any one sharer is 33.33% of the Contents Sum Insured. Sharers have to be included on a written tenancy agreement and must be employed, self employed, retired or students. Sharers cannot be included if they are unemployed. Theft or attempted theft cover only applies where the items are stolen from a bank safe deposit, a private residence, a building in which a member of your Household is living, employed or carrying on business or any other building provided forcible means are used to gain entry or exit. Refer to Section 2 Peril 2 Cover provided up to the replacement cost. Refer to Section 2 Peril limit applies. Refer to Section 2 Peril 4 5,000 limit applies. Refer to Section 2 Peril 6 1,000,000 limit applies. Refer to Section 2 Peril 7 Up to 10% of the Contents Sum Insured for loss or damage by storm or lood, escape of water or oil, theft or attempted theft. Refer to Section 2 Peril 8 Freezer Food Cover for loss or damage to frozen food as a result of failure of your freezer due to an inherent defect or failure of the public electricity supply. 250 limit applies. Refer to Section 2 Peril 9 Continued
6 Significant Features and Benefits Contents within your home Credit Cards Cover for inancial loss if a credit card is used without the cardholders permission. Accidental Damage to Audio and Video Equipment. Contents outside your Home Cover for loss or damage caused by theft or malicious act to Contents in the open within the boundaries of your Home. 100 limit applies. Refer to Section 2 Peril 10 Excludes business or professional equipment. Cover excluded where the Home has been Unoccupied for more than 30 consecutive days. Refer to Section 2 Peril limit applies. Cover excludes pedal cycles that are not secured to an immovable object. Cover excludes cycle parts where the pedal cycle is not stolen at the same time. Refer to Section 2 Peril 12 Significant Features and Benefits Personal possessions cover For items outside of your home Personal Possessions & Pedal Cycles Optional extensions available that cover unspeciied items, speciied items and pedal cycles for loss or damage that occurs anywhere in the world on a new for old basis. Unspeciied Personal Possessions Sum Insured Limits Minimum sum insured 1,000 Maximum sum insured 6,000 (single article limit is 25% of the chosen sum insured) Money Limit 100 Limit per pedal cycle 200 Speciied Personal Possessions Sum Insured Limits Minimum 1,000 Maximum 5,000 Speciied items over 5,000 may be considered on referral to our underwriters Pedal Cycles Sum Insured Limits Minimum amount speciied Maximum amount speciied - 1,500 Cover excluded for loss or damage to items in the Home where the Home has been Unoccupied for more than 30 consecutive days. Excludes theft from an unlocked and unattended road vehicle. Excludes theft from a locked and unattended road vehicle unless the items were contained in a locked boot or in the case of a hatch back/ estate cars concealed from view. Excludes theft of unattended pedal cycles unless from a securely locked building or it was secured to an immovable object by a security device. Mobile telephones and pagers. Refer to Section 3: Peril 1 in respect of Unspecified Personal Possessions Peril 2 in respect of Specified Personal Possessions Peril 3 in respect of Pedal Cycles Where there is one sharer, the maximum that will be paid to the sharer is 50% of the Personal Possessions sum insured and where there are two sharers the maximum that will be paid to any one sharer is 33.33% of the Personal Possessions sum insured. Sharers have to be included on a written tenancy agreement and must be employed, self employed, retired or students. Sharers cannot be included if they are unemployed. Significant Features and Benefits General exceptions applying to the whole policy The policy excludes loss, damage, injury or liability arising from or relating to: Radioactive contamination War risks Sonic bangs Deliberate acts or omissions Pollution Date recognition Refer to General Exceptions section of Policy Wording.
7 Your rights of cancellation You have the right to cancel your policy during the 14 day period either after the day of purchase of the contract, or the day on which you receive your policy documentation whichever is later. If you wish to cancel within the 14 day cooling off period or if your insurance cover has not yet commenced, you will be entitled to a full refund of the premium paid. Alternatively, if you wish to cancel and the insurance cover has already commenced, you will be entitled to a refund of the premium paid, subject to a deduction for the time for which you have been covered. This will be calculated on a pro-rata basis, for the period in which you received cover and will include an additional charge of up to to cover the administrative cost of providing the policy. If you do not exercise your right to cancel your policy, it will continue to be in force for the term of the policy and you will be required to pay the premium stated. Please be aware that a refund will not be given if a claim has been made on the policy. How to claim If you need to make a claim on your policy you should call us on and we ll advise you what you should do next our lines are open between 9am 5.30pm Monday to Friday. If the claim is urgent, then you can call outside of these hours and we will advise you what you need to do next. Complaints We are committed to maintaining a high standard of professional conduct in all our dealings with customers. If you feel that your insurance arrangements have not been handled in the manner in which you would expect and you wish to make a complaint we would like to hear from you. Please contact: Customer Services Team HomeLet Hestia House Unit 2 Edgewest Road Lincoln LN6 7EL Telephone: Alternatively you are also entitled to contact the Insurers. Our Policy Wording sets out the full complaints procedure, including all contact details. If you re unhappy with our decision you may be able to pass your complaint to the Financial Ombudsman Service (FOS). The FOS is an independent organisation and will review your case. Financial Services Compensation Scheme If we fail to carry out our responsibilities under this policy you may be entitled to compensation from the Financial Services Compensation Scheme. Information about the scheme is available at or by phone on or Please ensure that you review your policy regularly to make sure that it continues to meet your needs. If you have any queries concerning this document, please contact HomeLet on
8 Contact Us Call us We re open Monday to Friday 8.30am-8pm Saturday 9.30am-1pm Visit us online: homelet.co.uk/tenants Write to us at: HomeLet Hestia House Unit 2 Edgewest Road Lincoln LN6 7EL on Twitter or find lovetenants on Facebook. HomeLet is a trading name of Barbon Insurance Group Limited which is authorised and regulated by the Financial Conduct Authority for insurance mediation. Registered in England number Registered ofice address: Hestia House, Edgewest Road, Lincoln, LN6 7EL HL2173/SUM 3/14
Comprehensive Landlord Insurance Policy Summary
Comprehensive Landlord Insurance Policy Summary This document provides a summary of the cover provided. Full details can be found in the policy wording, which is available online at homelet.co.uk or by
More informationAbout our insurance services...for landlords
About our insurance services...for landlords Use this information to decide if our services are right for you HomeLet Hestia House Unit 2 Edgewest Road Lincoln LN6 7EL 1 Whose products do we offer? Products
More informationBroker Direct Home Options Policy Summary
Broker Direct Home Options Policy Summary This policy summary does not contain full details and conditions of your insurance these are contained in your policy documents. Where a heading in UPPERCASE letters
More informationPeriod of Cover: 12 months
Optima Home Policy Summary This document provides a guide to the cover provided. It is however only a summary of the terms of cover and does not contain full details of the insurance policy terms, conditions
More informationYour Home Insurance Policy Summary
Your Home Insurance Policy Summary Premier Select Cover John Lewis Home Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to
More informationBritish Gas. Home Insurance Policy Summary. Working with
British Gas Home Insurance Policy Summary Working with Summary of Cover This policy summary does not contain full details and conditions of your insurance you will find these in. Your British Gas Home
More informationLandlord Insurance Policy Summary
Landlord Insurance Policy Summary The Administrator for this insurance policy is Paymentshield Limited. Please read this document carefully This document provides a summary of your cover and does not contain
More informationYour Home Insurance Policy Summary
Your Home Insurance Policy Summary Plus Cover John Lewis Home Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms
More informationAXA Home Insurance. HomeSmart HomeSure HomeSafe Policy Summaries
AXA Home Insurance HomeSmart HomeSure HomeSafe Policy Summaries AXA Home Insurance Policy Summaries Summary of cover This policy summary does not contain full details and terms of your insurance you will
More informationHome Insurance. Your policy summary AXA Extra
Home Insurance Your policy summary AXA Extra December 2016 Policy summary This policy summary does not contain full details and conditions of your insurance these are located in your policy booklet. This
More informationExclusive to Countrywide. Landlord Insurance. Information booklet. In partnership with
Exclusive to Countrywide Landlord Insurance Information booklet In partnership with Information booklet Countrywide Landlord Insurance Landlord Insurance information booklet Why choose Landlord Insurance
More informationYour policy summary Buy to Let
Buildings and contents insurance for landlords Your policy summary Buy to Let December 2016 edition Contents How much cover do I need? 3 Features and benefits 4 Policy summary 6 Features and benefits 7
More informationHome Insurance AXA HomeSafe. Your policy summary
Home Insurance AXA HomeSafe Your policy summary Summary of cover This policy summary does not contain full details and conditions of your insurance you will find these in your policy wording. Your AXA
More informationAA Leisure Home Insurance; Leisure Home Policy Summary
AA Leisure Home Insurance; Leisure Home Policy Summary AA Caravan Insurance Services is a trading name of Towergate Underwriting Group Limited. Registered Office: Towergate House, Eclipse Park, Sittingbourne
More informationHome Insurance AXA HomeSmart. Your policy summary. 1 of 8
Home Insurance AXA HomeSmart Your policy summary 1 of 8 Summary of cover This policy summary does not contain full details and conditions of your insurance you will find these in your policy wording. Your
More informationLifestyle Household Insurance - Policy Summary
The insurance cover for sections A-D is provided by Covea Insurance plc, Norman Place, Reading, Berkshire, RG1 8DA. The insurance cover for section E Family Plus Legal Protection is administered by DAS
More informationTenant s Insurance. Policy wording
Tenant s Insurance Policy wording A guide to your policy Section guide Welcome 1 Privacy Notice 2 Making Changes 4 Customer Care 5-6 Making a Claim 7 Definitions 8-11 Policy Conditions 12-13 General Policy
More informationContents Insurance & Tenancy Liability A LOCAL AGENT WITH TENANTS & KNOW-HOW
Contents Insurance & Tenancy Liability A LOCAL AGENT WITH TENANTS & KNOW-HOW Hundreds of thousands of tenants living in rented homes across the UK choose HomeLet to provide them with the protection they
More informationHOME INSURANCE ESSENTIALS POLICY SUMMARY.
HOME INSURANCE ESSENTIALS POLICY SUMMARY. Our Home Insurance Essentials policy provides you with home and contents cover. You can also purchase additional sections of cover to tailor the policy to your
More informationHOME INSURANCE SILVER
HOME INSURANCE SILVER POLICY SUMMARY HOME INSURANCE SILVER 1 POLICY SUMMARY. Our Home Insurance Silver policy provides you with home and contents cover. You can also purchase additional sections of cover
More informationHOME INSURANCE GOLD POLICY SUMMARY HOME INSURANCE GOLD
HOME INSURANCE GOLD POLICY SUMMARY HOME INSURANCE GOLD 1 POLICY SUMMARY. Our Home Insurance Gold policy provides you with home and contents cover. You can also purchase additional sections of cover to
More informationABC HOME INSURANCE. Information Leaflet and Policy Summary January 2012 Edition
ABC HOME INSURANCE Information Leaflet and Policy Summary January 2012 Edition WELCOME TO AXA Welcome to the expertise and quality of the AXA Group Respect With over 100 years experience, AXA is a world
More informationHOME INSURANCE ESSENTIALS
HOME INSURANCE ESSENTIALS POLICY SUMMARY 1 HOME INSURANCE ESSENTIALS 1 POLICY SUMMARY. Our Home Insurance Essentials policy provides you with home and contents cover. You can also purchase additional sections
More informationHome Insurance Policy Summary
Home Insurance Policy Summary This is a summary of the cover provided under the Think Insure Home Insurance Policy. As a summary it does not contain the full policy terms, conditions or definitions which
More informationHOME INSURANCE EXTRA POLICY SUMMARY HOME INSURANCE EXTRA
HOME INSURANCE EXTRA POLICY SUMMARY HOME INSURANCE EXTRA 1 POLICY SUMMARY. Our Home Insurance Extra policy provides you with home and contents cover. You can also purchase additional sections of cover
More informationHome Household Insurance
Home Household Insurance Policy Summary The Home Insurance policy is a flexible policy offering cover on a sum insured basis for loss or damage to buildings and/or contents. You specify the levels of cover
More informationThis policy summary does not contain full details and conditions of your insurance you will find these in your policy Wording.
Summary of Cover This policy summary does not contain full details and conditions of your insurance you will find these in your policy Wording. Your home insurance policy is underwritten by AXA Insurance
More informationCHINA TAIPING INSURANCE (UK) CO LTD HOME POLICY SUMMARY
CHINA TAIPING INSURANCE (UK) CO LTD HOME POLICY SUMMARY History You are in good hands. China Taiping Insurance (UK) Company Limited received its trading license in 1983 and commenced underwriting business
More informationBritish Gas Landlord Insurance
British Gas Landlord Insurance Summary of cover August 2016 Working with Why choose British Gas Landlord Insurance policy? The British Gas Landlord Insurance offers a range of covers and caters for a variety
More informationPOLICY SUMMARY. Landlords insurance. We have designed this policy to protect the property and your contents.
POLICY SUMMARY. Landlords insurance We have designed this policy to protect the property and your contents. POLICY SUMMARY. This policy summary is only a brief guide to your cover and exclusions. You can
More informationYour Home Insurance Policy Summary
Your Home Insurance Policy Summary Before reading this Policy Summary, we just want to remind you of a few things. Firstly, Nationwide Home Insurance is underwritten by Royal & Sun Alliance Insurance plc.
More informationPOLICY SUMMARY POLICY SUMMARY. We have designed this policy to protect the property and your contents.
LANDLORDS LANDLORDS INSURANCE INSURANCE POLICY SUMMARY 1 POLICY SUMMARY. We have designed this policy to protect the property and your contents. 2 LANDLORDS INSURANCE POLICY SUMMARY POLICY SUMMARY. This
More informationResidential Landlords Insurance
Residential Landlords Insurance February 2018 Why choose AXA s Landlord Insurance policy? The Landlord Insurance offers a range of covers and caters for a variety of customers, from individuals who own
More informationHome Insurance. Summary of Cover. Ver002_008 10/16
Home Insurance Summary of Cover Ver002_008 10/16 POLICY SUMMARY Our Home Insurance policy is available for properties of up to 4 bedrooms and has been designed to provide you with a wide range of standard
More informationPOLICY SUMMARY. This is a Policy Summary only. Full terms can be found in the Policy Wording and Endorsements.
POLICY SUMMARY This is a Policy Summary only. Full terms can be found in the Policy Wording and Endorsements. INSURANCE COMPANY: The Written agreement allows Midas Underwriting Limited to sign and issue
More informationProfile Household Insurance
Profile Household Insurance Policy Summary The Profile Household Insurance policy is a bedroom rated policy offering cover for loss or damage to buildings and/or contents up to the stated limits. The Profile
More informationKey features of your policy Evolution
Key features of your policy Evolution ABOUT THIS DOCUMENT This document will outline specific cover features and benefits. This policy summary does not contain the full terms and conditions of the contract
More informationHome Insurance Policy Summary
Home Insurance Policy Summary This is a policy summary only and does not contain the full terms and conditions of the contract. Full terms can be found in the policy booklet. Insurers and administrators
More informationResidential Property Owners
Residential Property Owners Policy Summary The Residential Property Owners policy is a flexible policy offering cover on a sum insured basis for loss or damage to buildings and/or contents. It is designed
More informationYour Family Legal Protection Policy is underwritten by Inter Partner Assistance SA (a wholly owned subsidiary of AXA Assistance SA).
Summary of Cover This Policy summary does not contain full details and conditions of your insurance you will find these in your. Your Home Insurance Policy is provided by Swiftcover Insurance Services
More informationA summary of your cover. Section 1 Buildings cover
A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part of the contract between us. The NatWest
More informationFLAT size: 210MM h 296MM W FINIshED size: 210MM h 148MM W shop Policy Summary _UKC04065C_POL.indd 1 23/12/ :20
shop Policy Summary 2 Shop Policy Summary shop Policy Summary Your RsA shop policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions. You can select
More informationResidential Property Owners
Residential Property Owners Policy Summary The Residential Property Owners Policy is a flexible Policy offering cover on a sum insured basis for loss or damage to buildings and/or contents. It is designed
More informationTable 1 Buildings Insurance If you select Buildings Insurance, the following will automatically be included:
Preferred Choice Policy Summary Preferred Choice is underwritten by Royal & Sun Alliance Insurance plc (RSA). It is an annual contract and may be renewed each year subject to the terms and conditions then
More informationSHOPS. Policy Summary
SHOPS Policy Summary 2 Shops Policy Summary SHOPS Policy Summary Your RSA Shops Policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions. You can select
More informationRetailers summary of cover
Retailers summary of cover September 2014 Why choose AXA s Retailers Insurance policy? The Retailers Insurance offers a range of covers and caters for customers who operate up to 5 shops. Cover applies
More informationHome Insurance. Policy Summary. Inside you ll find a summary of Tesco Finest Home Insurance and Tesco Legal Guard Cover. tescobank.
Home Insurance Policy Summary Inside you ll find a summary of Tesco Finest Home Insurance and Tesco Legal Guard Cover tescobank.com Tesco Finest Home Insurance Policy Summary This is a summary of cover
More informationLandlords Insurance. Policy Summary. Page 1
Landlords Insurance Policy Summary Page 1 Landlords Insurance Policy Summary Your Landlords Insurance Underwriter is Aviva. Your Landlords Insurance is an annual contract and may be renewed each year subject
More informationProfile Household Insurance
Profile Household Insurance Policy Summary The Policy Summary provides a summary of the significant benefits, features and limitations of the cover provided by the Covéa Insurance Profile product. The
More informationKey features of your policy My Home
Key features of your policy My Home ABOUT THIS DOCUMENT This document will outline specific cover features and benefits. This policy summary does not contain the full terms and conditions of the contract
More informationRenters Policy Summary
Renters Policy Summary This is a summary and does not contain the full terms and conditions of the cover, which can be found in the policy booklet(s). It is important that you read the policy booklet(s)
More informationPOLICY SUMMARY. HOME INSURANCE CHOICES
POLICY SUMMARY. HOME INSURANCE CHOICES Our Home Insurance Choices policy provides you with home and contents cover. You can also purchase additional sections of cover to tailor the policy to your needs.
More informationKit & Contents Insurance Policy Summary
Kit & Contents Insurance Policy Summary This is a summary and does not contain the full Terms and Conditions of the cover, which can be found in the policy wording. It is important that you read the policy
More informationHaven Home Insurance Policy Key Facts
Haven Home Insurance Policy Key Facts Please note that this is a policy summary only and does not contain the full terms and conditions of the contract. Full terms and conditions can be found in the Policy
More informationThe amount of any claim that you are responsible for (The Excesses) are shown on the Policy Schedule.
Unoccupied Property Summary of Cover The following summary does not contain the full terms and conditions of the policy which can be found in the insuring document, a copy of which is available on request.
More informationSection Buildings Contents
Permanent Home Fire (including Resultant smoke Damage), lightning, explosion Earthquake and volcanic eruption. Escape of water from fixed water tanks, apparatus or pipes and Escape of oil from a fixed
More informationAffordable Home Contents Insurance
Affordable Home Contents Insurance? We remind all tenants and leaseholders to take out household contents insurance. You can do this either through this scheme, arranged by WDH, or by making your own private
More informationResidential Property Owners
1 Residential Property Owners Policy Summary The insurance cover is provided by Liberty Mutual Insurance Europe Limited & Aro Underwriting Group Limited The Residential Property Owners policy is a flexible
More informationHOME INSURANCE Policy Summary
HOME INSURANCE Policy Summary Home Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable.
More informationAA Home Insurance Important Notice
AA Home Insurance Important Notice Please read the relevant sections of this AA Home Insurance Important notice and keep it with your policy documents. This Important Notice highlights any changes to your
More informationSUMMARY OF COVER PROPERTY POLICY
SUMMARY OF COVER PROPERTY POLICY Policy Numbers: Insurer: JG679X17C - Shared Ownership and Leaseholder Housing Stock (including L&Q New Homes Ltd) JG679X17A - Rented Stock, Commercial Units JG679X17A -
More informationHome insurance. A summary of your cover
Home insurance A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part of the contract between
More informationPREFERRED CHOICE. Policy Summary
PREFERRED CHOICE Policy Summary 2 Preferred Choice Policy Summary PREFERRED CHOICE Policy Summary Preferred Choice is underwritten by Royal & Sun Alliance Insurance plc (RSA). It is an annual contract
More informationHome Insurance. Policy Summary. Just ask
Home Insurance Policy Summary Just ask Your Policy Summary Please read this document carefully, it is a summary of cover provided under the Nationwide Home Insurance policy. It does not show the full benefits,
More informationLANDLORDS INSURANCE POLICY SUMMARY
LANDLORDS INSURANCE POLICY SUMMARY PLEASE READ THIS DOCUMENT CAREFULLY This document provides a summary of cover and does not contain the full terms and conditions which can be found in our Policy Booklet.
More informationA summary of your cover. Section 1 Buildings cover
A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part of the contract between us. The NatWest
More informationTenant Liability Insurance Policy Wording
LS3904 0615 Tenant Liability Insurance Policy Wording 1 CONTENTS How to Contact Us 1 Introduction 1 Definition of Terms 3 Insured Event 4 General Exclusions 5 General Conditions 5 How to Claim 7 2 HOW
More informationSummary of cover. Important you should read this
Important you should read this Summary of cover This leaflet provides a summary of the significant features, benefits and limitations of the cover provided by the Zurich Municipal Select for Social Housing
More informationWORKING FROM HOME. Summary of Cover
WORKING FROM HOME Summary of Cover An insurance package for your business available for many occupations where the business is home based. Why choose AXA s Working From Home Package? Tailor-made for Your
More informationProfile Household Insurance Policy Summary
3478676865245-0000000 34545323455index, 34545323455persist, 34545323455output_folder, 34545323455printfile_path,/ 34545323455tray1, 34545323455tray2, 34545323455tray3, Profile Household Insurance Policy
More informationBusiness Insurance Property Owners Policy Summary Commercial Claims
Business Insurance Property Owners Policy Summary Commercial Claims 0345 125 8859 This is a summary of the cover available under the Post Office Money Business Insurance - Property Owners policy. It does
More informationHOME INSURANCE POLICY SUMMARY
HOME INSURANCE POLICY SUMMARY HOME INSURANCE POLICY SUMMARY This document is only a summary of your Policy and other key information about the insurance cover that you should read. It does not contain
More informationProperty Insurance for Commercial Property Owners
POLICY SUMMARY Please read carefully and retain Property Insurance for Commercial Property Owners Intasure Property Insurance for Commercial Property Owners Policy Summary GENERAL This insurance is designed
More informationYour Home Insurance Policy Features and Benefits
Protection. It s in our nature. Your Home Insurance Policy Features and Benefits fbd.ie FBD Insurance plc is regulated by the Central Bank of Ireland. FBD Insurance has over 50 years experience and today
More informationTHE HOLIDAY COTTAGE OWNERS INSURANCE POLICY SUMMARY OF COVER
THE HOLIDAY COTTAGE OWNERS INSURANCE POLICY SUMMARY OF COVER 2 Cottagesure - the Holiday Cottage Owners Policy Cottagesure Policy Summary Your RSA Cottagesure Policy is an annual contract which may be
More informationKey Home Cover Product Features, Benefits, Limits and Exclusions
Key Home Cover Product Features, Benefits, Limits and Exclusions The following tables summarise the significant cover features, benefits, limitations and exclusions of our SuperValu Insurance Home Cover
More informationSummary of Cover If you wish to make a claim please call for advice and guidance
Summary of Cover If you wish to make a claim please call 0345 266 9660 for advice and guidance Policy Summary Insurer Protector Insurance Policy number 708596 Policyholder Plus Dane Housing Ltd Period
More informationOptima Property Owners Policy Summary
Optima Property Owners Policy Summary This is a summary of the cover available under the Ageas Optima Property Owners policy. It does not include all the policy beneits, limits and exclusions. Full terms
More informationoffices Policy Summary Arranged by
offices Policy Summary Arranged by 2 Offces Policy Summary offices Policy Summary Your RSA offices Policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions.
More informationHEALTH & MEDICAL. Policy Summary
HEALTH & MEDICAL Policy Summary 2 Health & Medical Policy Summary HEALTH & MEDICAL Policy Summary Your RSA Health & Medical Policy is an annual contract which may be renewed each year subject to your needs
More informationAXA Exclusive. Information leaflet Home Buildings and Contents Insurance
AXA Exclusive Information leaflet Home Buildings and Contents Insurance December 2016 Contents Why choose AXA Exclusive 3 Features and benefits 3 Important information 7 How much cover do I need? 7 Limits
More informationCHINA TAIPING INSURANCE (UK) CO LTD PROPERTY OWNER POLICY SUMMARY
CHINA TAIPING INSURANCE (UK) CO LTD PROPERTY OWNER POLICY SUMMARY History You are in good hands. China Taiping Insurance (UK) Company Limited received its trading license in 1983 and commenced underwriting
More informationTenant Possessions Insurance
Policy Summary Tenant Possessions Insurance For cover sections 1-3 and 5-17, this insurance is underwritten by Lloyd s syndicate 4444. The syndicate is managed by Canopius Managing Agents Limited. Canopius
More informationHome Insurance Policy Summary
Home Insurance Policy Summary Page 1 Just the cover you need Home Insurance Thanks for choosing ASDA Home Insurance. It s a good feeling when you know the things you really value are protected, isn t it?
More informationHome Insurance. Policy Summary Three Star. Just the cover you need. Page 1
Home Insurance Policy Summary Three Star Page 1 Just the cover you need Home Insurance Thanks for choosing ASDA Home Insurance. It s a good feeling when you know the things you really value are protected,
More informationAn insurance package designed for flat owners and residents of blocks of flats.
Flats Insurance Summary of Cover An insurance package designed for flat owners and residents of blocks of flats. Why choose AXA s Flats Insurance? AXA s Flats Insurance Policy offers you comprehensive
More informationTouring Caravan Insurance Policy Summary
Touring Caravan Insurance Policy Summary Caravan Guard Touring Caravan insurance is underwritten by Royal & Sun Alliance Insurance plc (RSA). The Legal Expenses optional cover is provided by Inter Partner
More informationHOME INSURANCE CHOICES
HOME INSURANCE CHOICES POLICY SUMMARY. Our Home Insurance Choices policy provides you with home and contents cover. You can also purchase additional sections of cover to tailor the policy to your needs.
More informationoffices Policy Summary
offices Policy Summary 2 Offces Policy Summary offices Policy Summary Your RSA offces Policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions. You
More informationSummary of cover. Important you should read this
Important you should read this Summary of cover This leaflet provides a summary of the significant features, benefits and limitations of the cover provided by the Zurich Municipal Select for Social Housing
More informationageas elastic Insurance Policy Summary (Key Facts)
ageas elastic Insurance Policy Summary (Key Facts) This is a summary of the cover provided under the ageas elastic household insurance policy. It doesn t contain the full terms and conditions of the policy.
More informationProperty Owners Insurance Proposal Form
Property Owners Insurance Proposal Form It is essential that you make fair presentation of the risk that should include a full and unrestricted disclosure including every material fact and circumstance
More informationPOLICY SUMMARY Please read carefully and retain. Property Insurance for Residential Homes in the UK
POLICY SUMMARY Please read carefully and retain Property Insurance for Residential Homes in the UK Intasure Property Insurance for Residential Home in the UK Policy Summary WHAT IS A POLICY SUMMARY? This
More informationPolicy Summary Hospitality Insurance Underwriting Agencies (HIUA) Insurance Policy for Guest Houses
Policy Summary Hospitality Insurance Underwriting Agencies (HIUA) Insurance Policy for Guest Houses The information provided in this policy summary is key information you should read This Policy Summary
More informationHOME INSURANCE CHOICES
HOME INSURANCE CHOICES POLICY SUMMARY. Our Home Insurance Choices policy provides you with home and contents cover. You can also purchase additional sections of cover to tailor the policy to your needs.
More information1 RAINBOW HOME INSURANCE POLICY RAINBOW SUMMARY HOME INSURANCE
1 RAINBOW HOME INSURANCE POLICY RAINBOW SUMMARY HOME INSURANCE POLICY SUMMARY. Our Rainbow Home Insurance policy provides you with home and contents cover. You can also purchase additional sections of
More informationEssential Home Insurance Policy Summary
Essential Home Insurance Policy Summary Home Insurance Thanks for choosing Benenden Home Insurance. It s a good feeling when you know the things you really value are protected, isn t it? That s why we
More informationSUMMARY OF COVER. Holiday Homes UK & Overseas
SUMMARY OF COVER Holiday Homes UK & Overseas Towergate Underwriting Holiday Homes UK & Overseas. Insurance Policy Summary Some important facts about your Towergate Under writing Holiday Home UK & Overseas
More informationHome Solutions Insurance Summary of Cover
Home Solutions Insurance Summary of Cover Important you should read this This leaflet provides a summary of the key features, benefits and limitations of the cover provided by the Zurich Insurance plc
More informationRestaurants, Wine Bars and Public Houses Insurance
Restaurants, Wine Bars and Public Houses Insurance Summary of Cover October 201 Edition An insurance package for Restaurants, Wine Bars and Public Houses. Why choose AXA s Restaurants, Wine Bars and Public
More information