ABC HOME INSURANCE. Information Leaflet and Policy Summary January 2012 Edition

Transcription

1 ABC HOME INSURANCE Information Leaflet and Policy Summary January 2012 Edition

2 WELCOME TO AXA Welcome to the expertise and quality of the AXA Group Respect With over 100 years experience, AXA is a world leader in financial protection and wealth management. Financial protection AXA Group worldwide manages assets worth 71,104 billion (as at 31 December 2010), on behalf of 93 million clients worldwide. Global stability We operate in over 50 countries spanning Europe, North and South America, Africa, the Middle East, the Far East and Australasia. Comprehensive services In the UK, AXA provides advice and guidance to our individual and corporate customers on a wide range of financial products and services, including: AXA Wealth (wealth management and retirement planning), AXA Investment Managers (asset management), AXA PPP healthcare (medical insurance, hospital care and dental care through its sister company Denplan) and AXA Insurance (insurance for home, motor, travel and pet). Customer focus At AXA Personal Lines Insurance we design our products around your needs. Whether it s motor, home, travel or pet insurance you re looking for, we can provide high quality cover. With our expertise, you can get on with the more important things in life, like living it. AXA Insurance UK plc is authorised and regulated by the Financial Services Authority. This can be checked on the FSA s register by visiting the FSA s website at or by contacting them on

3 ABC CONTENTS Contents Why Choose ABC? 4 Policy Summary 6 Home Assistance and Family Legal Protection 10 3

4 WHy CHooSe ABC? ABC Why choose ABC? ABC Home insurance offers you extensive levels of cover, including Buildings and Contents, plus many optional extras. Personal Accident Valuable personal accident cover is provided as standard for those selecting contents insurance. It covers you or your domestic partner living with you should you suffer accidental injury as the result of accident, or fire in the home, an accident whilst travelling as a passenger on a public service vehicle, or assault in the street. Home Assistance And Family Legal Protection you have the option of including the Home Assistance and Family Legal Protection sections in your ABC policy your schedule will show if these sections are in force. These two sections must be included as a package you cannot include one section without including the other. Home Assistance Home Assistance gives you access to approved trades persons and in some cases contribution to the cost of some emergency repairs. Family Legal Protection Family Legal Protection covers legal costs and expenses of legal proceedings in order to pursue a claim directly arising from, amongst others, the death or personal injury of the Insured, loss or damage to their personal effects, physical damage to the permanent place of residence and breach of the Insured s contract of employment. It also covers legal costs and expenses of legal proceedings to defend a claim arising from the sale of privately owned goods by the Insured or any motoring prosecution brought against the Insured. Accidental Damage you can extend your cover by including accidental damage. This valuable extension will cover the property for accidental damage e.g. putting your foot through the ceiling while in the loft, or spillage of paint on carpets. 4

5 ABC WHy CHooSe ABC? Renewable energy devices cover To help climate conscious householders protect their wind turbines or solar panels we automatically cover this as standard as long as they are attached or incorporated into the main structure of the buildings or outbuildings. FREE 24 hour Legal and Domestic Helpline We realise that accidents and incidents don t only happen between 9 and 5. That s why we have set up a FREE 24 hour Legal and Domestic Helpline to ensure there s someone to help you when you need it most. Glass Replacement Service Our 24 hour replacement service can fix windows, doors or partitions. A simple call gives access to the service. Direct Debit It may be possible to spread the cost of your annual premium by using direct debit. Please ask your insurance adviser for details. Straightforward Claims Procedures Our dedicated claims teams do their utmost to speed up the process and take the stress out of making a claim. We are committed to dealing with each claim quickly and efficiently. Security Requirements For some homes we may require or recommend certain security measures because of where your home is located and/or your chosen level of sum insured. More information is available in the Proposal/Statement of Fact or from your insurance adviser. 5

6 PoLiCy SummAry ABC Policy Summary This policy summary does not contain full details and conditions of your insurance these are located in your policy wording. Type of Insurance and Cover Home insurance for private residences. This insurance provides cover for buildings and/or contents Please refer to your policy schedule for your selected cover. The maximum amount we will pay is the sum insured shown within your policy wording or on the policy schedule. Cover is automatically added for personal accident if contents cover is selected. Accidental damage, personal possessions, home assistance and family legal protection may also be included your policy schedule will show if you selected these options. Conditions you must at all times keep the sums insured at a level that represents full value, failure to comply with this may jeopardise your claim or cover. Features and Benefits Contents Standard Cover Limits of 5% of the contents sum insured for any one valuable and one third of the contents sum insured for any one claim for total valuables are shown in the policy wording your policy schedule will show the revised limits if these have been increased. Loss or damage caused by fire, smoke, explosion, lightning, earthquake, storm, flood, theft, escape of water (e.g. from burst pipes or tanks) or oil, malicious persons, riot, subsidence, collision by vehicles or animals, falling trees, collapse of aerials or satellite dishes. (causes 1 11 in the policy wording) Accidental breakage of or damage to fixed glass in furniture, mirrors, hobs and home entertainment equipment (including satellite dishes up to 500). Accidental loss of metered water and oil up to 1,000. Rent or alternative accommodation up to a maximum of 20% of the sum insured. Loss or damage to frozen food due to a change in temperature or contamination by refrigerant fumes. Liability for domestic employees up to 10,000,000. 6

7 ABC PoLiCy SummAry Tenant s liability up to 10% of the sum insured. Applicable if the insured property is rented. Public liability insurance up to 2,000,000, including damage arising from your occupation of the insured property (but not its ownership). Personal Possessions Loss or damage to personal possessions elsewhere in Europe and anywhere in the world for up to 60 days. Please refer to policy wording for full details of cover available. Buildings Standard Cover Loss or damage caused by storm, flood, escape of water (e.g. from burst pipes or tanks) or oil, subsidence, theft, collision by vehicles or animals, falling trees, collapse of aerials or satellite dishes, fire, smoke, explosion, lightning, earthquake, malicious persons, riot. Accidental breakage of fixed glass in windows, fixed sanitary ware and bathroom fittings. Accidental damage to underground pipes and cables and up to 5,000 towards the necessary costs in locating the source of the damage. Alternative accommodation or loss of rent up to 20% of the buildings sum insured. Property owner s liability up to 2,000,000. Home Assistance Cover under this section is administered by AXA Assistance UK Ltd and underwritten by Inter Partner Assistance SA. Provides access to a network of approved tradesmen and Enables repairs in the event of an emergency that would render the private residence unsafe, insecure or would lead to further damage to the private residence. Family Legal Protection Cover under this section is administered by Arc Legal Assistance and underwritten by Inter Partner Assistance SA, a wholly owned subsidiary of AXA Assistance SA. Legal costs and expenses up to 25,000. Significant or unusual Exclusions or Limitations The standard excesses and any increased amount you have agreed to pay shown within your policy wording or on the policy schedule. Watercraft (e.g. windsurfers and sailboards) and mechanically propelled vehicles (e.g. quad bikes and motorcycles) and any liability arising from them. Property primarily used for and liability arising from business purposes. 7

8 PoLiCy SummAry ABC General Exclusions: Riot or civil commotion outside of the United Kingdom, the Isle of Man or the Channel Islands, confiscation or sonic bangs, radioactive contamination, war risks, terrorism, reduction in market value, date change, pollution and contamination. Exclusions under Contents Standard Cover: Loss or damage caused by chewing, scratching, tearing or fouling by domestic animals. Damage caused by any gradually operating cause. Damage caused (whilst being carried) to audio or visual equipment which is designed to be portable. Loss or damage to valuables, money, plants or trees left in the open at the insured property. Exclusions under Contents Standard Cover and Buildings Standard Cover: Loss or damage occurring after the insured property has been unoccupied or unfurnished (see full definitions within the policy wording) for 30 consecutive days or more by malicious persons, escape of water or oil, theft, mirrors, fixed glass and sanitary ware and accidental loss of oil and metered water. Exclusions under Personal Possessions: Theft from an unattended motor vehicle unless the personal possessions are concealed from view and the vehicle is locked. Theft from an unlocked hotel room. Exclusions under Home Assistance: Costs arising from or in connection with circumstances known of prior to the start of cover or costs for repairs where we have not been notified by you or a person calling on your behalf through the 24 hour helpline. Costs arising from or in connection with any system, equipment or facility which has not been properly installed, maintained, serviced or kept in repair in accordance with the manufacturer s instructions. Loss or damage to any property or any other loss, damage or additional expense following on from the event for which you are claiming. Exclusions under Family Legal Protection: Claims directly linked or arising from the planning or alteration of the building. Claims arising from a dispute between a Landlord and tenant. Claims for legal costs that insurers have not agreed to in advance. 8

9 ABC PoLiCy SummAry Unless a conflict of interest arises, prior to the start of court proceedings, legal costs incurred by any legal representative other than Arc s panel solicitors or their agents. Duration This is an annually renewable policy. Cancellation period you are free to cancel this policy at anytime. Claim Notification To make a claim for Home Assistance contact To make a claim for Legal Assistance contact For all other claims contact Full details of addresses and contact numbers can be found within the Policy Wording. Financial Services Compensation Scheme (FSCS) AXA Insurance is covered by the Financial Services Compensation Scheme (FSCS). you may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS Making Yourself Heard Any complaint you may have should in the first instance be addressed to your insurance adviser, then claim office or helpline as applicable. If you are not satisfied with the way in which your complaint has been dealt with, you should write to The Customer Care Department of AXA Insurance. If the complaint is still not resolved, you can approach The Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. 9

10 Home ASSiSTAnCe And FAmiLy LegAL ProTeCTion ABC Home assistance and Family Legal Protection Home Assistance Your schedule will show if this section is in force The Insurance will pay up to 300 including VAT for each Emergency event for the following: Standard Cover Additional Cover Broken Windows As Standard plus emergencies for damaged doors Plumbing Broken door Locks draining Lost Keys electricity System Primary heating System Vermin roofing overnight Accommodation An Emergency means an unforeseen situation which if not dealt with quickly would render the house unsafe or insecure, or if not repaired, would result in further damage or cause unreasonable discomfort, risk or difficulties to the Insured. Home Assistance is insured by Inter Partner Assistance SA, Station Road, Redhill, Surrey, rh1 1Pr Registered No. FC

11 ABC Home ASSiSTAnCe And FAmiLy LegAL ProTeCTion Family Legal Protection Your schedule will show if this section is in force If you have a legal problem that cannot be solved amicably this cover will provide legal expenses cover up to 25,000 per incident so that you can take agreed cases to court. Family Legal Protection is insured by Inter Partner Assistance SA, a wholly owned subsidiary of AXA Assistance SA. Registered Office: The Quadrangle, Station Road, Redhill, Surrey, rh1 1Pr Registered No. FC

12 AXA is a world leader in wealth management and financial protection, managing funds worth more than 981 billion (as at December 2008). We operate in around 50 countries and serve 67 million customers worldwide. We cater to a wide range of needs, providing advice and guidance to our individual and corporate customers on a variety of financial products and services. These include investments, life assurance, retirement planning, long term care, asset management, medical insurance, dental and hospital care services as well as motor and home insurance. With our expertise and commitment to customer service and consistent quality care, you can rely on AXA for lasting security. ASK ABOUT AXA S EXCELLENT RANGE OF INSURANCE PRODUCTS WPL405T-C (12/11) (32830) AXA Insurance UK plc Registered in England No Registered Office: 5 Old Broad Street, London EC2N 1AD A member of the AXA Group of Companies. AXA Insurance UK plc is authorised and regulated by the Financial Services Authority. Telephone calls are recorded and monitored.