POLICY DOCUMENT. Let Property FlexiLet Buildings and Contents Insurance

Transcription

1 POLICY DOCUMENT Let Property FlexiLet Buildings and Contents Insurance

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3 Index Welcome to FlexiLet Introduction to your FlexiLet Insurance Policy Definitions Section 1 Buildings Section 2 Contents Making a Claim Settlement of Claims General Conditions General Exclusions Endorsements Complaints

4 Welcome to FlexiLet Thank you for choosing our Insurance Policy for your Let Property. This Policy of Insurance is issued in accordance with the authorisation granted to Towergate Underwriting Let Property by Allianz Insurance plc (Lead Insurer) and Royal & Sun Alliance Insurance plc. We will consider any loss, damage, injury, costs or liability described in the Policy arising from events happening during any period of insurance for which you have paid and we have accepted the premium. Towergate Underwriting Let Property is an Insurance Intermediary. Towergate Underwriting Let Property offers this policy only in respect of this class of business. No comparison is made by Towergate Underwriting Let Property to other insurance products that may be available from other companies. This Policy Wording sets out the terms and conditions of the contract of insurance with us and should be read together with your schedule and any endorsements as soon as you receive these. Any proposal and/or declaration signed by you is incorporated into this insurance contract. We have designed our Policy Wording to try and make it clear and easy to read, so that you understand the cover we provide and your responsibilities. Please take time to read this Policy Wording, your Policy schedule and Statement of Fact (if applicable) carefully and keep your documents in a safe place. These are your proof of insurance. If after reading these documents you notice an error or you have any questions please contact your broker immediately. If after consideration you decide this policy does not meet your needs, you have 14 days from the date that you receive your Policy schedule to cancel this and receive a full refund. Towergate Underwriting Let Property Towergate House St Edward's Court London Road Romford Essex RM7 9QD Telephone: Let.TULP@towergate.co.uk and Adrian Brown Chief Executive Officer Towergate Underwriting On behalf of the Insurer(s) 4

5 Your policy is arranged by Towergate Underwriting Let Property. Towergate Underwriting Let Property is a trading name of Towergate Underwriting Group Limited registered in England No At Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN Underwritten by a consortium of specialist insurers. The Lead Insurers are Allianz Insurance plc, number Registered Office: 57 Ladymead, Guildford, Surrey, GU1 1DB. Also underwritten by Royal & Sun Alliance Insurance plc, number Registered Office: St Mark s Court, Chart Way, Horsham, West Sussex RH12 1XL. Towergate Underwriting Group Limited are authorised and regulated by the Financial Conduct Authority. Allianz Insurance plc and Royal & Sun Alliance Insurance plc are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. This can be checked on the FCA s register by visiting the FCA s website at or by contacting them on

6 Introduction to your FlexiLet Insurance Policy Please read this Policy booklet together with your schedule. These set out the cover you have chosen, plus any limits that apply. You should return the schedule to Towergate Underwriting Let Property immediately if any details are incorrect or if it does not provide the cover you need. You may cancel this policy and for full details of the cancellation clause please refer to the General Conditions section of this wording. The contract once This Policy is a contract between you and us, Allianz Insurance plc and Royal & Sun Alliance Insurance plc and is based on the information you gave Towergate Underwriting Let Property when you applied for this insurance. In return for your premium, we will provide the cover shown in the schedule during the period of insurance. The law that applies to the contract Under the laws of the United Kingdom (England, Scotland, Wales and Northern Ireland) both you and we may choose the law which applies to this contract, to the extent permitted by those laws. Unless you and we agree otherwise, we have agreed with you that the law which applies to this contract is the law which applies to the part of the United Kingdom in which you live, or, if you live in the Channel Islands or the Isle of Man, the law of whichever of those two places in which you live. We and you have agreed that any legal proceedings between you and us in connection with this contract will only take place in the courts of the part of the United Kingdom in which you live, or, if you live in either the Channel Islands or the Isle of Man, the courts of whichever of those two places in which you live. Misrepresentation In arranging your insurance we will have asked a number of questions which you were required to answer. You must take reasonable care to ensure that you have answered all these questions honestly, to the best of your knowledge, and have provided full answers and all relevant details. If questions are not answered honestly and to the best of your knowledge then your policy may be cancelled or your claim rejected or not fully paid. You may also have difficulty in obtaining insurance in the future or experience extra cost in doing so. Changes in your circumstances You must tell us as soon as possible about any changes that may affect your policy cover. If we are not advised of any changes to your circumstances, then your policy may be cancelled, or your claim rejected or not fully paid. The changes that you should tell us about are: If you change your correspondence address If you change your insured address; If you change your name; If there is a change in the type of tenant; 6

7 If the property is no longer let; If the property is to be left unoccupied for more than 30 consecutive days; If the property becomes permanently unoccupied (i.e. not lived in, or intended to be lived in or insufficiently furnished for normal occupation); If you are convicted of a criminal offence (other than motoring offences); If you become bankrupt; If the full rebuilding cost of your property changes (if you have Buildings Insurance with us); If the Contents sum insured changes (if you have Contents Insurance with us); If there are any renovations or building works being carried out, or due to commence, at your property; If the property is not in a good state of repair; If there is any flooding to the property, or within 100m of the property; If the property is showing signs of potential subsidence, landslip or heave damage, i.e. cracking; If any other houses in the same street have been affected by subsidence, landslip or heave; If you have made a claim under any other home or landlords policy that is not provided by us; If you have any other insurance policy refused, declined, cancelled or voided. When you tell us about a change, we will reassess the premium and the terms of your policy. You will be informed of any revised premium or terms and asked to agree before any change is made. In some circumstances we may not be able to continue your policy following the changes. If this is the case, you will be notified and the policy will be cancelled in line with the cancellation rights detailed in General Conditions 7. Cancelling this policy. What cover is included The Policy is divided into a number of sections and each section tells you what we will or will not pay for. To find which sections are in force you should check your schedule which is enclosed with the Policy. Your schedule also tells you how much you are insured for. Policy Limitations This Policy is subject to certain Conditions and Exclusions as shown on pages and limitations contained in the What is not covered and Settlement of Claims elements of Sections 1 and 2. How We Use Personal Information We hold personal information in accordance with the Data Protection Act The information supplied to us by you may be used to: Provide you with a quotation, deal with the associated administration of your policy and to handle claims; Search credit references, credit scoring and fraud agencies who may keep a record of the search; Share with those companies who are underwriting your policy, other insurance organisations to administer your policy, to help offset risk, for statistical analysis, to handle claims and prevent fraud; Support the development of our business by including your details in customer surveys, for market research and business reviews which may be carried out by third parties acting on our behalf. 7

8 We may need to collect and process data relating to individuals who may benefit from the policy ( Insured Persons ), which under the Data Protection Act is defined as sensitive (such as medical history of Insured Persons) for the purpose of evaluating the risk and/or administering claims which may occur. You must ensure that you have explicit verbal or written consent from the Insured Person to such information being processed by us and that this fact is made known to the Insured Person. Personal details may be transferred to countries outside the EEA. They will at all times be held securely and handled with the utmost care in accordance with all principles of English law. Under the Data Protection Act 1998 individuals are entitled to request a copy of all the personal information we hold about them. Please contact Us at Towergate Underwriting Let Property, Towergate House, St Edward s Court, London Road, Romford, Essex. RM7 9QD. We can only discuss the details given with you. If you would like anyone else to act on your behalf please let us know. Your details will not be kept longer than is necessary. Telephone calls may be recorded for our mutual protection, training and monitoring purposes. By applying for and/or entering into this insurance policy you will be deemed to consent to the use of your data and your insurance policy data in this way and for these purposes. Definitions Wherever the following words or phrases appear in this Policy, they will be shown in bold and have the following meanings: Accidental Damage A sudden, unexpected, unusual, specific, violent, external event which occurs at a single identifiable time and place and independent of all other causes. British Isles The United Kingdom, Channel Islands and Isle of Man. Building(s) The Private Dwelling(s) as specified in the Schedule constructed of brick, stone or concrete with a slate, tile or concrete roof including interior decorations and fixtures and fittings and domestic outbuilding, garages, domestic fixed fuel oil tanks, swimming pools, tennis courts, solar panels, hot tubs, drives, patios and terraces, walls, gates, hedges and fences all owned by You or for which You are legally responsible and within the boundaries of the Land as specified in the Schedule. Cosmetic Wallpapering and decorating. 8

9 Definitions Contents Household goods and furnishings contained in the Property that You own or are legally responsible for. Wherever the following words or phrases appear in this Policy, they will be shown in bold and have the following The term meanings: Contents does not include: Accidental any Damage permanent fixture and fittings of Your Property, A sudden, unexpected, any pond(s) unusual, and or fountains(s), specific, violent, external event which occurs at a single identifiable time and place any and part independent of the structure of all of other Your causes. Property including ceilings, wallpaper and the like, Property held in connection with Your trade, profession, business or occupation other British Islesthan the letting of the Property specified in the Schedule, The United Personal Kingdom, money, Channel Islands and Isle of Man. Credit Cards, Building(s) Property insured by any other insurance Policy, securities (stocks and shares) and The Private documents Dwelling(s) of as any specified kind, in the Schedule constructed of brick, stone or concrete with a slate, tile or any concrete living creature, roof including interior decorations and fixtures and fittings and domestic outbuilding, Motorised garages, domestic vehicles, fixed aircraft, fuel boats, oil tanks, boards swimming and craft pools, designed tennis courts, to be used solar on panels, or in hot water, tubs, drives, patios caravans and terraces, and trailers, walls, and gates, the hedges parts, spares and fences and accessories all owned by of You any or of for these, which You are legally responsible Valuables, and within personal the boundaries effects of and the clothing. Land as specified in the Schedule. carpets which are glued to the floor Cosmetic Wallpapering Credit Cardsand decorating. Bank, charge, cheque, credit, debit and cash dispenser cards. Contents Domestic Household Employee goods and furnishings contained in the Property that You own or are legally responsible Employed for. by the landlord for domestic services, i.e. cleaning, maintenance. Endorsements The term Contents does not include: Any variation or addition to the standard policy terms stated in Your Policy Schedule. any permanent fixture and fittings of Your Property, Excess any pond(s) and or fountains(s), The first part any of part any of claim the which structure You of must Your pay. Property The Excess including applies ceilings, separately wallpaper to each and individual the like, Property detailed Property in the held Schedule. in connection with Your trade, profession, business or occupation other than the letting of the Property specified in the Schedule, Heave Personal money, Upward and/or Credit lateral Cards, movement of the site on which Your Buildings stand caused by swelling of the ground. Property insured by any other insurance Policy, securities (stocks and shares) and documents of any kind, Land any living creature, The Land on Motorised which the vehicles, Property aircraft, is built, boats, as stated boards in the and deeds. craft designed to be used on or in water, caravans and trailers, and the parts, spares and accessories of any of these, Landslip Valuables, personal effects and clothing. Downward carpets movement which of are sloping glued ground. to the floor Motorised Credit Cards vehicle Any Bank, electrically charge, cheque, or mechanically credit, debit powered and cash vehicle. dispenser cards. 9

10 10 Domestic Period of insurance Employee Employed The period by of the time landlord the insurance for domestic is provided services, for under i.e. cleaning, this Policy, maintenance. as set out in the Schedule, and any other period the Policy is renewed for. Endorsements Any Property variation or addition to the standard policy terms stated in Your Policy Schedule. Private dwelling used for domestic purposes, domestic outbuilding and garages, at the address shown Excess in the Schedule. The first part of any claim which You must pay. The Excess applies separately to each individual Property Personal money detailed in the Schedule. Cash, cheques, postal orders, unused postage stamps, savings stamps and certificates, premium bonds, Heave luncheon and gift vouchers, season tickets, travel tickets, travellers cheques and phone cards. Upward and/or lateral movement of the site on which Your Buildings stand caused by swelling of the Schedule ground. This is part of the Policy. It shows Your details, details of the Property insured, the Period of insurance, Land the sections of the Policy which apply and any applicable Endorsements. The Land on which the Property is built, as stated in the deeds. Subsidence Landslip Downward movement of the site on which Your Buildings stand by a cause other than the weight of Downward the Buildings movement themselves. of sloping ground. Motorised Unoccupiedvehicle Any The electrically part or whole or mechanically of the Property powered not lived vehicle. in by a person authorised by You for 30 consecutive days or more or as shown in Your Endorsements. Period of insurance The Valuables period of time the insurance is provided for under this Policy, as set out in the Schedule, and any other Jewellery, period gold, the silver, Policy precious is renewed metals, for. clocks and watches, coin, medal and stamp collections, works of art and furs. Property Private We, Our, dwelling Us used for domestic purposes, domestic outbuilding and garages, at the address shown in Allianz the Schedule. Insurance plc (Lead Insurer), Royal & Sun Alliance Insurance plc and Towergate Underwriting Let Property as administrators of Your Policy. Personal money Cash, You, Your cheques, postal orders, unused postage stamps, savings stamps and certificates, premium bonds, luncheon The person and (or gift people) vouchers, named season the tickets, Policyholder travel tickets, in the travellers Schedule. cheques and phone cards. Schedule This is part of the Policy. It shows Your details, details of the Property insured, the Period of insurance, and the sections of the Policy which apply and any applicable Endorsements. Subsidence Downward movement of the site on which Your Buildings stand by a cause other than the weight of the Buildings themselves. Unoccupied The part or whole of the Property not lived in by a person authorised by You for 30 consecutive days or more or as shown in Your Endorsements.

11 Valuables Section 1 Jewellery, gold, silver, precious metals, clocks and watches, coin, medal and stamp collections, works of art and furs. Buildings We, Our, Us Allianz Insurance plc (Lead Insurer), Royal & Sun Alliance Insurance plc and Towergate Underwriting Let What Property is Covered as administrators of Your Policy. What is not covered You, A. Loss Your of or damage to the Buildings caused The amount of any Excess shown on Your The by person any of (or the people) following: named as the Policyholder in the policy Schedule. Schedule Any amount over that shown as Your sum insured on Your Policy Schedule. 1. Fire, lightning, explosion, aircraft and other flying devices or items dropped therefrom 2. Earthquake 3. Impact by: Aircraft or other aerial devices or anything dropped from them; Vehicles; Trains; Animals; Falling trees, telegraph poles or lamp-posts; Falling aerials or masts; Falling television satellite dishes 1 Loss or damage caused by domestic pets 2 Damage to hedges, gates and fences caused by falling trees, telephone poles and lampposts 3 Damage caused by the felling or lopping of trees 4 Loss or damage caused by any tenant or person lawfully on the premises. 4. Smoke 5. Any persons taking part in a riot, violent disorder, strike, labour disturbance or civil commotion 6. Malicious Damage 5 Loss or damage that happens gradually. 6 Loss or damage whilst the Buildings are Unoccupied 7 Loss or damage caused by any tenant or person lawfully on the premises. 8 Loss or damage whilst the Buildings are Unoccupied 11

12 Buildings Section 1 continued Buildings We will pay for What is Covered A. Loss of or damage to the Buildings caused by any of the following: 7. Storm or flood 1. Fire, lightning, explosion, aircraft and other flying devices or items dropped therefrom 2. Earthquake 3. Impact by: Aircraft or other aerial devices or anything dropped from them; Vehicles; Trains; Animals; Falling trees, telegraph poles or lamp-posts; Falling aerials or masts; 8. Escape Falling television of water from satellite any dishes fixed water or heating installation, or from any domestic appliance 4. Smoke 5. Any persons taking part in a riot, violent disorder, strike, labour disturbance or civil commotion 6. Malicious Damage We will not pay for 9 Loss or damage caused by any tenant What or is person not covered lawfully on the premises. (Unless shown as covered on Your Policy The Schedule) amount of any Excess shown on Your policy Schedule 10 Loss or damage unless caused by violent Any and amount forcible over entry. that shown as Your sum insured on Your Policy Schedule. 11 Loss or damage caused by Subsidence, Heave or Landslip other than as covered under Peril Loss or damage to domestic, fixed fuel-oil tanks in the open, swimming pools, tennis courts, drives, patios and terraces, fences, gates and hedges 1 Loss or damage caused by 13 domestic Loss or damage pets caused by rising water table levels (the level below which the 2 Damage ground is to completely hedges, gates saturated and fences with caused water) by falling trees, telephone poles and lampposts 14 Loss or damage caused by freezing. 3 Damage caused by the felling or lopping 15 of Loss trees or damage whilst the Buildings are Unoccupied 4 Loss or damage caused by any tenant or 16 person Loss or lawfully damage on to the domestic premises. fixed water tanks and swimming pools 5 Loss or damage that happens gradually. 17 Damage to the installation or appliance 6 Loss itself or damage whilst the Buildings are Unoccupied 18 Loss or damage to solid floors caused 7 Loss by infill or materials damage caused settling, by swelling any tenant or or person shrinking lawfully as a result on the of water premises. escaping in the Property 8 Loss or damage whilst the 19 Buildings Subsidence, are Heave Unoccupied or Landslip caused by water escaping from the Property 12

13 Buildings continued We will pay for 7. Storm or flood 9. Escape of oil from any fixed oil or heating installation, or from any domestic appliance 8. Escape of water from any fixed water or heating installation, or from any domestic 10. appliance Theft or attempted theft We will not pay for 920 Loss or damage caused by any the failure, tenant or or lack person of grout lawfully and/or on sealant the premises. (Unless shown as covered on Your Policy 21 Schedule) Loss or damage arising from frost damage within garages or outbuildings 10 Loss or damage unless caused by violent 22 and Loss forcible damage entry. caused by gradual emission. 11 Loss or damage caused by Subsidence, 23 Heave Loss or or damage Landslip whilst other than Buildings as covered are under Unoccupied Peril Loss or damage to domestic, fixed fuel-oil tanks in and the swimming open, swimming pools pools, tennis courts, drives, patios and terraces, fences, 25 gates Damage and to hedges the installation or appliance itself 13 Loss or damage caused by rising water 26 table Loss or levels damage (the level to solid below floors which caused the ground by infill materials is completely settling, saturated swelling with or water) shrinking as a result of oil escaping in the Property 14 Loss or damage caused by freezing. 27 Subsidence, Heave or Landslip caused 15 Loss by water or damage escaping whilst from the the Buildings Property. are Unoccupied 28 Loss or damage whilst the Buildings are 16 Loss Unoccupied or damage to domestic fixed water tanks and swimming pools 29 Loss or damage caused by any tenant 17 Damage or person to lawfully the installation the premises or appliance itself (Unless shown as covered on Your Policy Schedule) Loss or damage to unless solid caused floors by caused violent by or forcible infill materials entry. settling, swelling or shrinking as a result of water escaping in the Property 19 Subsidence, Heave or Landslip caused by water escaping from the Property 13

14 Buildings continued We will pay for 11. Subsidence, Landslip or Heave of the site on which the Buildings stand 9. Escape of oil from any fixed oil or heating installation, or from any domestic appliance We will not pay for Loss or damage to caused domestic by the fixed failure, fueloil lack tanks, of grout swimming and/or pools, sealant ornamental or ponds and fountains, greenhouses, tennis 21 courts, Loss or drives, damage patios arising and from terraces, frost walls, gates, damage fences within and garages hedges or unless outbuildings the main Buildings are also affected at the same 22 time Loss or by damage the same caused peril by gradual emission. 32 Loss or damage caused by structures 23 bedding Loss or damage down or whilst settlement the Buildings of newly are made Unoccupied ground Loss or damage caused to domestic by faulty fixed design fuel-oil or tanks inadequate and swimming foundations pools which do not meet building regulations current at the 25 time Damage of construction to the installation or appliance itself 34 Loss or damage for which compensation 26 has Loss been or damage provided, to solid or would floors have caused been but by infill for materials the existence settling, of this swelling insurance or under shrinking any as contract a result or of legislation oil escaping or in the guarantee Property Loss Subsidence, or damage Heave caused or Landslip by river or caused coastal erosion by water escaping from the Property. 10. Theft or attempted theft Loss or damage caused whilst the by Buildings demolition, are structural Unoccupied changes, structural repairs, groundwork, excavation, faulty 29 workmanship, Loss damage faulty caused materials, by any tenant or the use of or defective person lawfully plans on the premises (Unless shown as covered on Your Policy 37 Loss Schedule) or damage to solid floors unless the 30 walls Loss or are damaged unless at the caused same by time violent by the or forcible same entry. event 38 The first 1,000 of every claim, or more if stated on the policy Schedule under Subsidence Excess 14

15 Buildings continued We will pay for 11. Subsidence, Landslip or Heave of the site on which the Buildings stand 12. Accidental Damage (if shown as covered on Your Policy Schedule) We will not pay for Loss Reduction or damage in market to domestic value following fixed fueloil repair tanks, swimming pools, ornamental ponds and fountains, greenhouses, tennis 40 courts, Loss or drives, damage patios which and originated terraces, before walls, gates, this Policy fences came and into hedges force. unless the main Buildings are also affected at the same 41 time Maintenance by the same and peril normal redecoration costs 32 Loss or damage caused by structures 42 bedding Damage down caused or whilst settlement the Property of newly is made Unoccupied ground Loss Damage or damage which is caused specifically by faulty excluded design or elsewhere inadequate Section foundations 1 which do not meet building regulations current at the 44 time Faulty of materials, construction design or workmanship 13. Accidental Damage of fixed glass and double-glazing (including the cost of replacing frames) solar panel, sanitary fixtures and ceramic hobs all forming part of the Buildings 14. The cost of repairing Accidental Damage to domestic oil pipes, underground watersupply pipes, sewers, drains, underground gas pipes, underground cables and tanks for which You are legally responsible Loss Chewing, or damage scratching, for which tearing, compensation fouling or has any been damage provided, by any or domestic would have animals been or but vermin for the existence of this insurance under any contract or legislation or 46 guarantee Building renovations, alterations, extensions or repairs 35 Loss or damage caused by river or coastal 47 erosion Damage by mechanical, electronic fault or breakdown. 36 Loss or damage caused by demolition, 48 structural Loss or damage changes, whilst structural the Buildings repairs, are groundwork, Unoccupied. excavation, faulty workmanship, faulty materials, or the use of defective plans 37 Loss or damage to solid floors unless the 49 walls Damage are whilst damaged clearing at the or same attempting time by to the clear same a blockage event 50 Damage due to a fault or limit of design, 38 The manufacture, first 1,000 construction of every claim, or installation or more if stated on the policy Schedule under Subsidence Excess 15

16 Buildings continued We will pay for 15. Damage to plumbing installations by freezing. Damage to interior fixed domestic 12. heating Accidental or water Damage installations (if shown caused as covered by on freezing Your Policy Schedule) 16. Additional Costs. If We accept a claim under perils 1-11 of this section. We will also pay for the following; a) architects and surveyors fees necessary for restoring the Buildings. The amounts We pay for these fees must not be higher than that authorised by the relevant professional institute b) the necessary cost of removing debris and demolishing or supporting the damaged part of the Buildings, which We have agreed to pay c) the cost of meeting building regulations or municipal or local authority by-laws 17. Loss of Rent and the cost of Alternative Accommodation. If the Property is 13. damaged Accidental by Damage any cause of listed fixed under glass and Section 1A double-glazing and, as a result, (including it cannot the be cost lived of in, We will replacing pay: frames) solar panel, sanitary a) fixtures for Your and ceramic loss of rent; hobs and all forming part of b) the Buildings any reasonable extra accommodation expenses; until the Property is ready to 14. The be cost lived of repairing in. Accidental Damage to c) domestic subject to oil conditions pipes, underground within the watersupply tenancy pipes, agreement sewers, drains, underground lease/ gas pipes, underground cables and tanks for which You are legally responsible We will not pay for Damage Reduction caused in market by gradual value following deterioration which repair has caused an installation to reach the end of its serviceable life 40 Loss or damage which originated before 52 Damage this Policy which came You into are force. not legally responsible to repair. 41 Maintenance and normal redecoration 53 Loss costsor damage occurring whilst the Property is Unoccupied. 42 Damage caused whilst the Property is 54 Architect, Unoccupied Surveyors or Legal fees, or any other fees charged for preparing any 43 claim Damage under which this is Policy specifically excluded elsewhere in Section 1 55 Any costs You are legally responsible for 44 paying Faulty materials, because of design a notice or workmanship served on You before the date of the loss of damage. 45 Chewing, scratching, tearing, fouling or any damage by any domestic animals or vermin 46 Building renovations, alterations, extensions or repairs 47 Damage by mechanical, electronic fault 56 We or breakdown. will not pay more than 20% of the Buildings Sum Insured, for any one 48 incident Loss or damage whilst the Buildings are Unoccupied. 57 Any loss when the Property is untenanted unless at the time of the incident giving rise to the damage, there was a signed tenancy agreement to 49 confirm Damage future whilst clearing occupation or attempting to clear a blockage 58 Any loss once the damaged part of the 50 Property Damage due is habitable to a fault or limit of design, manufacture, construction or installation 16

17 Buildings continued We will pay for 18. Increased metered water charges incurred by You resulting from an escape of water which gives rise to an admitted claim under Peril 8 of this section 15. Damage to plumbing installations by 19. freezing. Contracting Damage Purchaser. to interior If You fixed enter domestic into heating a contract or water to sell any installations Building caused insured by by freezing this Policy, and the Building is destroyed or damaged before the sale has been completed, the buyers will be entitled to any 16. Additional benefit from Costs. this insurance If We accept (for a the claim damage under perils or destruction) 1-11 of this once section. the We sale has will been also pay for the completed following; a) architects and surveyors fees necessary 20. Replacement for restoring Buildings. the Buildings. If You buy a new Property, The amounts Your existing We pay Buildings for these will fees be insured must free not of be charge higher until than the that date authorised of completion by the relevant or for three professional months, institute whichever b) is the the earlier. necessary This extension cost of removing will operate debris from the time and demolishing We agree to or insure supporting the Buildings the of Your damaged new Property part of the Buildings, which We have agreed to pay 21. Emergency c) the cost Access. of meeting Damage building to the regulations Property caused or by municipal forced access or local by authority the fire, police by-laws or ambulance service as a result of an emergency 17. or Loss to prevent of Rent damage and the cost to the of Property Alternative Accommodation. If the Property is 22. Tracing damaged and by Access any cause of Leaks listed (if under shown Section as covered 1A and, as on a Your result, Policy it cannot Schedule). be lived If in, the We Buildings will pay: are damaged due to water escaping from a) for water Your tanks, loss pipes, of rent; equipment and or fixed heating b) any systems reasonable in the extra Property, accommodation We will pay the expenses; reasonable until cost the of Property removing is ready and to reinstatement be lived in. of any part of the Buildings necessary c) subject to to find conditions the source within of the the leak lease/ and making tenancy good agreement We will not pay for Damage Any amount caused in excess by gradual of 750 deterioration in any which Period has of insurance. caused installation to reach the end of its serviceable life 52 Damage which You are not legally 60 responsible This does not to apply repair. if otherwise insured. 53 Loss or damage occurring whilst the Property is Unoccupied. 54 Architect, Surveyors or Legal fees, or any other fees charged for preparing any claim under this Policy 55 Any costs You are legally responsible for paying because of a notice served on You before the date of the loss of damage. 61 We will not pay more than 1,000 for any one incident. 56 We will not pay more than 20% of the Buildings Sum Insured, for any one 62 incident We will not pay more than 1,000 for any one incident 57 Any loss when the Property is 63 untenanted We will not pay unless the at cost the of time repairing of the the incident leak itself. giving rise to the damage, there was a signed tenancy agreement to confirm future occupation 58 Any loss once the damaged part of the Property is habitable 17

18 Buildings continued We will pay for Increased Property metered Owners Liability water charges up to a incurred maximum by of 2,000,000 You resulting (unless from stated an escape as different of water on which Your Policy gives rise Schedule) to an admitted claim under Peril Your 8 legal of this liability section as owner of the Buildings to pay damages and claimants costs and 19. Contracting expenses for: Purchaser. If You enter into a contract accidental to sell death, any Building bodily injury, insured illness by or this Policy, disease; and or the Building is destroyed or damaged accidental before loss of the or sale damage has been to completed, Property; the buyers will be entitled to any benefit happening from this during insurance the Period (for the damage or destruction) of insurance once and the arising: sale has been completed (a) from You owning the Buildings or (b) under Section 3 of the Defective 20. Replacement Premises Buildings. Act 1972 If You or the buy Defective a new Property, Premises Your existing (Northern Buildings Ireland) will Order be insured free 1975 of for charge any Property until the date You of own completion and or occupy for three or lease months, and whichever occupy. If is the earlier. the Buildings This extension section will of operate this Policy from is the time cancelled We agree or to ends, insure this the Defective Buildings of Your new Premises Property Act cover will continue for seven years for any Property 21. Emergency insured Access. by Damage this section to the before Property the caused by Policy forced was access cancelled by the or fire, ended. police We or ambulance will service also pay as a all result Your of costs an emergency and or to prevent expenses damage that to We the have Property already agreed in writing. 22. Tracing and Access of Leaks (if shown as covered on Your Policy Schedule). If the Buildings are damaged due to water escaping from water tanks, pipes, equipment or fixed heating systems in the Property, We will pay the reasonable cost of removing and reinstatement of any part of the Buildings necessary to find the source of the leak and making good We will not pay for Any Liability amount arising in from excess accidental of 750 in death, any Period bodily injury of insurance. illness or disease to You or Your family 65 Liability arising from injury, death, disease 60 This or illness does caused not apply by any if otherwise dog described insured. in Section 1 of the Dangerous Dogs Act 1991 or Article 3 of the Dangerous Dogs (Northern Ireland) Order Loss of or damage to Property which You or Your family own or are responsible for 67 Any trade, business or profession of You or Your family other than the letting of the Buildings 68 Liability arising from the ownership of use of any motor vehicle, including childrens vehicles whether licensed for road use or not any boat, hovercraft, wetbike, 61 We aircraft, will not train, pay caravan more or than trailer 1,000 for any one incident. 69 Any agreement or contract unless liability would have applied anyway We The will passing not pay on of more any contagious than 1,000 disease for any or virus one incident We will not pay the more cost than of 2,000,000 repairing the leak (unless itself. stated as different on Your Policy Schedule) for any once incident other than accidental death, bodily injury, illness or disease to any Domestic Employee where the amount is 10,000,000 Under (b), if it is covered by any other insurance. (if shown as covered on Your Policy Schedule). 18

19 Buildings Section 2 continued Contents We will pay for 23. Property Owners Liability up to a maximum What of is 2,000,000 covered (unless stated as different on Your Policy Schedule) A. Loss Your of legal or damage liability as to owner the Contents of the Buildings caused by to pay any damages of the following: and claimants costs and expenses for: accidental death, bodily injury, illness or disease; or accidental loss of or damage to Property; 1. Fire, happening lightning, explosion, during the aircraft Period and other flying of devices insurance or items and arising: dropped there from (a) from You owning the Buildings or 2. Earthquake (b) under Section 3 of the Defective Premises Act 1972 or the Defective 3. Impact by; Premises (Northern Ireland) Order Aircraft or 1975 other for aerial any Property devices or You anything own dropped and from occupy them; or lease and occupy. If Vehicles; the Buildings section of this Policy is Trains; cancelled or ends, this Defective Animals; Premises Act cover will continue for Falling trees, seven telegraph years for poles any Property or lamp-posts; Falling aerials insured or masts; by this section before the Falling television Policy was satellite cancelled dishes or ended. We will also pay all Your costs and expenses that We have already 4. Smoke agreed in writing. We will not pay for 64 Liability arising from accidental death, What bodily is not injury covered illness or disease to You or Your family The amount of any Excess shown on Your Policy 65 Liability Schedule arising from injury, death, disease or illness caused by any dog described Any in amount Section shown 1 of the over Dangerous that shown Dogs as Your Act sum 1991 insured or Article on Your 3 of Policy the Dangerous Schedule. Dogs (Northern Ireland) Order Loss of or damage to Property which You or Your family own or are responsible for 67 Any trade, business or profession of You 1 Loss or Your or damage family other caused than by the domestic letting pets of the Buildings 2 Damage caused by the felling or lopping 68 of Liability trees. arising from the ownership of use of any motor vehicle, including childrens vehicles whether licensed for road use or not any boat, hovercraft, wetbike, aircraft, train, caravan or trailer 69 Any agreement or contract unless liability would have applied anyway 3 Loss or damage that happens gradually. 70 The passing on of any contagious disease or virus 71 We will not pay more than 2,000,000 (unless stated as different on Your Policy Schedule) for any once incident other than accidental death, bodily injury, illness or disease to any Domestic Employee where the amount is 10,000,000 Under (b), if it is covered by any other insurance. (if shown as covered on Your Policy Schedule). 19

20 Contents Section 2 continued Contents We will pay for 5. Any persons taking part in a riot, violent What disorder, covered strike, labour disturbance or civil commotion A. Loss of or damage to the Contents caused by any of the following: 6. Malicious Damage 1. Fire, lightning, explosion, aircraft and other flying devices or items dropped there from 2. Earthquake 3. Impact by; Aircraft or other aerial devices or anything 7. dropped Storm or from floodthem; Vehicles; Trains; Animals; Falling trees, telegraph poles or lamp-posts; Falling aerials or masts; Falling television satellite dishes 4. Smoke 8. Escape of water from any fixed water or heating installation, or from any domestic appliance We will not pay for 4 Loss or damage whilst the Buildings are What Unoccupied is not covered The 5 Loss amount or damage of any Excess caused shown by any on tenant Your or Policy person Schedule lawfully on the premises. Any 6 Loss amount or damage shown over whilst that the shown Buildings as Your are sum Unoccupied insured on Your Policy Schedule. 7 Loss or damage caused by any tenant or person lawfully on the premises (unless shown as covered on Your Policy Schedule) 8 Loss or damage unless caused by violent 1 or Loss forcible damage entry. caused by domestic pets 92 Loss Damage or damage caused caused by the felling by Subsidence, or lopping Heave of trees. or Landslip other than as covered under Peril Loss or damage caused by rising water table levels (the level below which the ground is completely saturated with water) 11 3 Loss or damage caused that happens by gradually. freezing. 12 Loss or damage whilst the Buildings are Unoccupied 13 Damage to the installation or appliance itself 14 Loss or damage to solid floors caused by infill materials settling, swelling or shrinking as a result of water escaping in the Property 20

21 Contents continued We will pay for 5. Any persons taking part in a riot, violent disorder, strike, labour disturbance or civil commotion 9. Escape of oil from any fixed oil or heating installation, or from any domestic appliance 6. Malicious Damage We will not pay for 415 Loss Subsidence, or damage Heave whilst or the Landslip Buildings caused are Unoccupied by water escaping from the Property. 516 Loss or damage caused whilst the by Buildings any tenant are or person Unoccupied lawfully on the premises. 617 Loss or damage whilst to domestic the Buildings fixed fuel-oil are Unoccupied tanks and swimming pools 718 Loss Damage or damage to the installation caused by any or appliance tenant or itself person lawfully on the premises (unless shown as covered on Your Policy 19 Schedule) Loss or damage to solid floors caused by infill materials settling, swelling or 8 Loss shrinking or damage as a result unless of oil caused escaping by violent in the or Property forcible entry. 7. Storm or flood 10. Theft or attempted theft 8. Escape of water from any fixed water or heating installation, or from any domestic appliance 11. Subsidence, Landslip or Heave of the site which the Buildings stand 920 Subsidence, Loss or damage Heave caused or Landslip by Subsidence, caused by water Heave escaping or Landslip from other Property. than as covered under Peril Loss or damage whilst the Buildings are 10 Loss Unoccupied or damage caused by rising water table levels (the level below which the 22 ground Loss or damage is completely unless saturated caused by with violent water) or forcible entry Loss Any tenant or damage or person caused lawfully by on the freezing. premises (unless shown as covered on Your Policy Schedule) 12 Loss or damage whilst the Buildings are 24 Unoccupied Theft of oil unless from a locked tank Damage Loss or damage to the installation to domestic or fixed appliance fueloil tanks, swimming pools, ornamental itself ponds and fountains, greenhouses, tennis 14 Loss courts, or drives, damage patios to solid and floors terraces, caused walls, by gates, infill fences materials and settling, hedges unless swelling the or main shrinking Buildings as are a also result affected of water escaping the same in the time Property by the same peril 21

22 Contents continued We will pay for 9. Escape of oil from any fixed oil or heating installation, or from any domestic appliance 10. Theft or attempted theft 11. Subsidence, Landslip or Heave of the site which the Buildings stand We will not pay for Loss Subsidence, or damage Heave caused or Landslip by made caused up ground by water settling escaping or from new structures the Property. bedding down 16 Loss or damage whilst the Buildings are 27 Loss Unoccupied or damage caused by faulty design or inadequate foundations which do not 17 meet Loss or building damage regulations to domestic current fixed at fuel-oil the time tanks of and construction swimming pools Loss Damage or damage to the installation for which compensation or appliance has itself been provided, or would have been but for the existence of this insurance 19 under Loss or any damage contract to solid or legislation floors caused or guarantee by infill materials settling, swelling or shrinking as a result of oil escaping in the 29 Loss Property or damage caused by river or coastal erosion 20 Subsidence, Heave or Landslip caused by 30 water Loss or escaping damage from caused the by Property. demolition, structural changes, structural repairs, 21 Loss groundwork, or damage excavation, whilst the faulty Buildings are workmanship, Unoccupied faulty materials, or the use of defective plans 22 Loss or damage unless caused by violent 31 Loss or forcible damage entryto solid floors unless the walls are damaged at the same time by 23 the Any same tenant event or person lawfully on the premises (unless shown as covered on 32 Normal Your Policy settlement, Schedule) shrinkage or expansion 24 Theft of oil unless from a locked tank. 33 The first 1,000 of every claim(s), or more 25 if Loss stated or damage on the Policy to domestic Schedule fixed under fueloil tanks, swimming Excess pools, ornamental Subsidence ponds and fountains, greenhouses, tennis 34 Reduction courts, drives, in market patios and value terraces, following walls, repair gates, fences and hedges unless the main Buildings are also affected at the same 35 Loss time or by damage the same which peril originated before this Policy came into force. 22

23 Contents continued We will pay for 12. Accidental Damage (if shown as covered on Your Policy Schedule) We will not pay for Loss Maintenance or damage and caused normal by redecoration made up ground costs settling or new structures bedding down 37 Damage caused whilst the Property is 27 Loss Unoccupied or damage caused by faulty design or inadequate foundations which do not 38 meet Damage building which regulations is specifically current excluded at the time elsewhere of construction in Section Loss Damage or damage caused for by depreciation, which compensation wet or has dry been rot, fungus, provided, damp, or would beetles, have moths, been but insects, for the vermin, existence infestation, of this rust, insurance mildew, under atmospheric any contract or climatic or legislation conditions or or the guarantee effect of light Loss Faulty or materials, damage caused design or by workmanship river coastal erosion 41 Chewing, scratching, tearing, fouling or 30 Loss any damage or damage by any caused domestic by demolition, animals or structural vermin changes, structural repairs, groundwork, excavation, faulty 42 workmanship, Building renovations, faulty materials, alterations, or the use of extensions defective or plans repairs 13. Glass and Mirrors Accidental Damage to mirrors, glass tops and fixed glass in furniture, cookers and ceramic hobs in the Property 14. Accidental Damage to electronic, visual and computer equipment; a) Radios, televisions, video players and recorders, home computers, recording and audio equipment in the Property; or Loss Damage or damage by mechanical, to solid floors electronic unless fault the walls or breakdown are damaged at the same time by the same event 44 Damage to glass, china or porcelain for 32 Normal any amount settlement, in excess shrinkage of 500. or expansion 45 Loss or damage whilst the Buildings are 33 The Unoccupied. first 1,000 of every claim(s), or more if stated on the Policy Schedule under Subsidence Excess 46 Damage caused while the Property is 34 Reduction Unoccupied in market value following repair 47 Electrical or mechanical breakdown 35 Loss or damage which originated before this Policy came into force. 23

24 Contents continued We will pay for 12. b) Accidental Receiving Damage aerials, (if dishes shown and as CCTV covered on Your (closed Policy circuit Schedule) television) cameras fixed to the Property. We will not pay for Computers Maintenance or and computer normal equipment redecoration designed costs to be portable Video Damage cameras, caused mobile whilst the phones, Property pagers, is computer Unoccupied software, games, recording tapes, discs or records 38 Damage which is specifically excluded 50 Loss elsewhere in value in Section Damage caused by depreciation, wet or dry rot, Chewing, fungus, scratching, damp, beetles, tearing moths, or insects, fouling vermin, by domestic infestation, animals rust, mildew, atmospheric Failure to or use climatic in line conditions with the or the effect manufacturers of light instructions; or 40 Faulty Anything materials, that design happens or workmanship gradually 15. Household Removals Loss of or damage to Contents while being moved by professional furniture removers from the Property to another address (including temporary storage in a furniture depository for up to 7 consecutive days) in the British Isles 13. Glass and Mirrors Accidental Damage to 16. Loss mirrors, of Rent glass and tops the and cost fixed of glass Alternative in furniture, Accommodation. cookers and ceramic If the hobs Property in the Property is damaged by any cause listed under perils 1-11 of this 14. section Accidental and, Damage as a result, to it electronic, cannot be visual lived and in, We computer will pay: equipment; a) for Radios, Your televisions, loss of rent video that players is no longer and paid recorders, as a result home of computers, the claim recording and audio equipment in the Property; or We Chewing, will not scratching, pay over tearing, 2,500 for fouling any or single any damage item. by any domestic animals or vermin 53 Loss or damage to china, glass, 42 earthenware Building renovations, and brittle alterations, items unless they extensions have been or repairs packed by a professional packer 43 Damage by mechanical, electronic fault 54 Loss or breakdown or damage caused by scratching, denting or bruising 44 Damage to glass, china or porcelain for 55 Loss any amount or damage in excess insured of under 500. another Policy. 45 Loss or damage whilst the Buildings are 56 We Unoccupied. will not pay more than 20% of the Contents Sum Insured, for any one incident 46 Damage caused while the Property is 57 Unoccupied Any loss when the Property is untenanted unless at the time of the 47 incident Electrical giving or mechanical rise to the breakdown damage, there was a signed tenancy agreement to confirm future occupation. 24

25 Contents continued We will pay for b) any Receiving reasonable aerials, extra dishes accommodation and CCTV expenses; (closed circuit until television) the Property cameras is ready fixed to be to the lived Property. in. c) subject to conditions within the lease/ tenancy agreement 17. Replacement Locks Following the accidental loss or theft of keys, We will pay for the cost of replacement locks, lock mechanisms, keys, and key switches to: (a) external doors and windows of the Property; or (b) intruder alarm systems or domestic safes fitted in the Property; 18. Fuel and metered water We will cover the accidental loss of domestic heating fuel or metered water for which You are responsible 15. Household Removals Loss of or damage to Contents while being 19. Contents moved by in professional the open furniture removers We from will the cover Property loss of to or another damage address to Contents by (including any of the temporary causes listed storage under in a Section furniture 2A happening depository in for the up open to 7 consecutive Land belonging days) in to the Property British Isles 20. Emergency access 16. We Loss will of Rent pay for and damage the cost to of Contents Alternative following Accommodation. necessary If the access Property to the Property is damaged to by deal any cause with a listed medical under emergency perils 1-11 or of to this prevent section and, damage as a result, to the it Property cannot be lived in, We will pay: 21. Liability a) for Your arising loss out of of rent Contents that is (if no shown longer as covered paid on as a Your result policy of the Schedule). claim Subject to the limit below We will pay any amount that You become legally liable to pay as We will not pay for 48 Computers or computer equipment designed to be portable 49 Video cameras, mobile phones, pagers, computer software, games, recording tapes, discs or records 58 We will not pay more than 500 for any 50 one Loss incident value Damage to caused locks by caused by mechanical, electrical Chewing, or electronic scratching, fault tearing or or breakdown. fouling by domestic animals Failure to use in line with the manufacturers instructions; or Anything that happens gradually 60 Loss or damage caused when the 52 Buildings We will not are pay Unoccupied over 2,500 for any single item. 61 We will not pay more than 1,000 for 53 any Loss one or damage incident. to china, glass, earthenware and brittle items unless 62 Loss they or have damage been packed caused by when a professional the Buildings packer are Unoccupied Loss of or or damage caused to pedal by scratching, cycles denting or bruising 64 We will not pay more than 250 for any 55 one Loss incident or damage insured under another Policy. 65 We will not pay more than 1,000 for 56 any We one will not incident. pay more than 20% of the Contents Sum Insured, for any one incident 57 Any loss when the Property is 66 Liability untenanted in respect unless of at accidental the time of death, the bodily incident injury, giving illness rise to or the disease damage, to You there or Your was a family signed tenancy agreement to confirm future occupation. 25

26 Contents continued We will pay for compensation b) any reasonable (including extra claimants accommodation costs and expenses) expenses; occurring until the during Property the Period is ready of to insurance be lived and in. arising from Your ownership of c) the subject landlord s to conditions Contents within in respect the lease/ of accidental: tenancy agreement death bodily injury or illness of any 17. Replacement person Locks Following damage the to accidental material Property loss or theft not of keys, We belonging will pay for to the or cost in the of custody replacement or locks, control lock mechanisms, of You or Your keys, employee and key switches (except to: for employees personal effects) (a) external doors and windows of the In the Property; event of or Your death We will treat Your (b) intruder legal personal alarm systems representative or domestic as You in respect safes of fitted liability in incurred the Property; by You. 18. Fuel and metered water We will cover the accidental loss of domestic heating fuel or metered water for which You are responsible 19. Contents in the open We will cover loss of or damage to Contents by any of the causes listed under Section 2A happening in the open on Land belonging to the Property 20. Emergency access We will pay for damage to Contents following necessary access to the Property to deal with a medical emergency or to prevent damage to the Property 21. Liability arising out of Contents (if shown as covered on Your policy Schedule). Subject to the limit below We will pay any amount that You become legally liable to pay as We will not pay for 67 Loss of or damage to Property which You or Your family own or are responsible for 68 Any trade, business or profession of You or Your family other than the letting of 58 the We Buildings will not pay more than 500 for any one incident 69 Liability covered by any other Policy 59 Damage to locks caused by mechanical, 70 Liability arising from any of Your family electrical or electronic fault or owning Land or buildings breakdown. 71 Liability arising from: a) Any deliberate act by You or any employee of Yours whilst engaged in supervisory duties unless caused by 60 Loss wilful or damage misconduct caused of when an employee. the b) Buildings An agreement are Unoccupied or contract unless liability would have applied anyway 61 c) We The will not passing pay more on of than any contagious 1,000 for any one disease incident. or virus d) The ownership of the Buildings. 62 e) Loss The or damage ownership, caused possession when the or use Buildings of aircraft, are Unoccupied boats, watercraft or mechanically propelled vehicles 63 Loss which of or damage includes to motor pedal cycles, cycles children s motor cycles and children s motor cars, quad bikes, 64 We will not pay more than 250 for any children s quad bikes and children s one incident motor scooters, trains, caravans or trailers. However, We will cover 65 We liability will not arising pay more from than the 1,000 ownership, for any one possession incident. or use of lawn mowers and garden tools. 72 We will not pay more than 2,000,000 including costs and expenses agreed by 66 Us Liability in writing in respect (unless of stated accidental as different death, on bodily Your injury, policy illness Schedule) or disease for any to You one or claim Your or family series of claims arising from any one event or one source or original cause 26

27 Making Contents a continued Claim See Sections 1 and 2 for details of what is covered. We will pay for We will not pay for To register compensation a claim please (including phone claimants Towergate costs Underwriting and 67 Let Loss Property of or damage on to Property between which 9am expenses) and 5.30pm occurring Monday during to Friday. the For Period any of new notification You of a or claim Your requiring family own urgent or are assistance, an out insurance of hours and service arising available from Your on the ownership above number. responsible for of the landlord s Contents in respect of Towergate accidental: Underwriting Let Property will take details from 68 You, Any so trade, please business be prepared or profession to provide of You as much information death bodily as possible injury or to illness help Us of any deal with Your claim or quickly Your family and fairly. other Please than have the letting available; of person the Buildings Your damage Policy to material number Property found on Your not policy Schedule belonging to or in the custody or 69 Liability covered by any other Policy The control insured of You Property or Your address, employee including postcode 70 Liability arising from any of Your family (except for employees personal effects) The name of the broker who sold the policy to Youowning Land or buildings In the event of Your death We will treat Please note that due to the Data Protection Act, We cannot 71 Liability issue details arising of from: Your legal personal representative as You in this policy to third a) Any deliberate act by You or any parties, respect unless of We liability have incurred received by specific You. written confirmation from the insured, confirming that employee of Yours whilst engaged in We can liaise with the said party regarding the insurance. supervisory duties unless caused by wilful misconduct of an employee. b) An agreement or contract unless liability would have applied anyway c) The passing on of any contagious disease or virus d) The ownership of the Buildings. e) The ownership, possession or use of aircraft, boats, watercraft or mechanically propelled vehicles which includes motor cycles, children s motor cycles and children s motor cars, quad bikes, children s quad bikes and children s motor scooters, trains, caravans or trailers. However, We will cover liability arising from the ownership, possession or use of lawn mowers and garden tools. 72 We will not pay more than 2,000,000 including costs and expenses agreed by Us in writing (unless stated as different on Your policy Schedule) for any one claim or series of claims arising from any one event or one source or original cause 27

28 28 Making Settlement a Claim of Claims See Sum Sections Insured 1 Condition and 2 for details of what is covered. It is up to You to make sure that the amount You insure for represents the full value of the To Property register concerned. a claim please For phone Buildings, Towergate this means Underwriting the full cost Let of Property rebuilding on Your Property including between 9am any outbuildings and 5.30pm plus Monday an amount to Friday. for For any any additional new notification charges which of a claim could requiring be incurred urgent in rebuilding assistance, an such out as of demolition hours service costs, is architects available on and the surveyors above number. fees and complying with the requirements of local authorities. Towergate Underwriting Let Property will take details from You, so please be prepared to provide as much For Contents information this means as possible the full to help cost Us of replacing deal with all Your the claim Property quickly as new. and fairly. Please have available; If the Sum Your Insured Policy is number less than found the full on replacement Your policy cost Schedule We will only pay the same proportion of the loss or damage as the Sum Insured bears to the full replacement cost. The insured Property address, including postcode Settling Buildings claims We can choose The name to settle of the Your broker claim who by sold replacing, the policy reinstating, to You repairing or by payment. If We are able to replace Property, payment will be limited to the cost of replacement by Our preferred supplier. Please note that due to the Data Protection Act, We cannot issue details of this policy to third parties, What We unless will We payhave received specific written confirmation from the insured, confirming that We The can most liaise We with will pay the said under party Section regarding 1 (excluding the insurance. liability) arising out of one incident is the Buildings Sum Insured shown in the Schedule. We will not pay for any reduction in the market value of the Property after the damaged parts of the Property have been replaced, reinstated or repaired. We will not reduce the Sum (or Sums) Insured by the amount paid under any claim. Settling Contents claims We can choose to settle Your claim by replacing, reinstating, repairing or by payment. If We are able to replace Property, payment will be limited to the cost of replacement by Our preferred supplier.a deduction for wear and tear will apply for: household line What We will pay The most We will pay under Section 2 (excluding liability) arising out of one incident is the Contents Sum Insured shown in the Schedule. We will not reduce the Sum (or Sums) Insured by the amount paid under any claim. Pairs, sets and suites We will not pay for the cost of replacing or changing any undamaged items which form part of: a set; a suite; or any other item of a uniform nature, design or colour, including carpets; (when damage happens to a specific part or within a clearly identifiable area and replacements cannot be matched)

29 28 General Settlement Conditions of Claims These Sum Insured Conditions Condition apply to all sections of the Policy. It is up to You to make sure that the amount You insure for represents the full value of the 1. Property Your duty concerned. to prevent For loss Buildings, or damage this means the full cost of rebuilding Your Property including any outbuildings plus an amount for any additional charges which could be incurred in rebuilding (a) such You as demolition and any other costs, person architects this insurance and surveyors applies fees to and must complying take all reasonable with the requirements of local precautions authorities. to prevent accidents, loss or damage. (b) For Contents All Property this insured means by the this full Policy cost of must replacing be maintained all the Property in good as condition. new. 2. If the Your Sum Policy Insured is less than the full replacement cost We will only pay the same proportion of the loss or Your damage Policy as includes: the Sum Insured bears to the full replacement cost. Your Schedule; Settling Buildings the relevant claims sections of this booklet; We can choose any extra to Policy settle sections Your claim shown by replacing, Your Schedule; reinstating, and repairing or by payment. If We are able to replace any Property, Endorsements payment which will be apply limited to Your to the cover. cost of replacement by Our preferred supplier. 3. What Claims We will pay Your The most duties: We will pay under Section 1 (excluding liability) arising out of one incident is the Buildings As Sum soon Insured as You shown are aware in the of Schedule. an incident or cause which is likely to lead to a claim under this Policy, You must: We will not pay for any reduction in the market value of the Property after the damaged parts of the (a) Property t ell the have police been immediately replaced, reinstated about any or Property repaired. which has been lost, stolen or maliciously damaged, and get a crime reference number; (b) We c will ontact not reduce Towergate the Sum Underwriting (or Sums) Let Insured Property by the within amount 30 days paid of under the incident any claim. and provide all the information and help We need; (c) Settling do all Contents You reasonably claims can to get back any lost or stolen property and tell Towergate We Underwriting can choose to Let settle Property Your claim without by replacing, unnecessary reinstating, delay if repairing any property or by is payment. then returned If We to are You; able (d) to replace send Towergate Property, Underwriting payment will be Let limited Property to the all correspondence, cost of replacement legal by documents Our preferred or any supplier.a other deduction document for wear unanswered; and tear and will apply for: (e) Do household not admit, line deny, negotiate or settle a claim without Our written consent. (f) only undertake emergency work to prevent further loss or damage. What We will pay Proof The most of value We will and pay ownership under Section 2 (excluding liability) arising out of one incident is the Contents To Sum help Insured You prove shown any in the loss, Schedule. We recommend that You keep receipts, valuations, photographs, instruction booklets and guarantee cards to help with Your claim. We will not reduce the Sum (or Sums) Insured by the amount paid under any claim. Our rights (a) Pairs, We sets may: and suites We will not take pay over for and the defend cost of or replacing settle any or changing claim Your any undamaged name; or items which form part of: prosecute a set; (in Your name for Our own benefit) any claim for indemnity or damages or otherwise. a suite; or (b) We have any the other right item to do of as a uniform We see fit nature, in legal design action or and colour, in settling including Your carpets; claim. (when damage happens to a specific part or within a clearly identifiable area and replacements cannot be matched) 29

30 30 General Conditions Limit For any claim or series of claims involving legal liability covered by this Policy, We may pay: (a) up to the limit shown in the Policy (less any amounts already paid as compensation), or These (b) any Conditions lower amount apply for to which all sections We can of settle the Policy. Your claim. Once 1. Your We duty have to made prevent the loss payment, or damage We will have no further liability in connection with Your claim, apart from paying costs and expenses You incurred before the payment date. (a) You and any other person this insurance applies to must take all reasonable 4. precautions Fraud to prevent accidents, loss or damage. If You or anyone acting on Your behalf: a) (b) makes All Property any false insured or fraudulent by this Policy claim, must be maintained in good condition. b) makes any exaggerated claim, 2. c) supports Your Policy a claim by false or fraudulent documents, devices or statements (whether or not the claim Your Policy is itself includes: genuine), d) makes Your a claim Schedule; for loss or damage which You or anyone acting on Your behalf deliberately caused, the relevant sections of this booklet; We will: any extra Policy sections shown in Your Schedule; and (i) refuse any Endorsements to pay the whole which of apply the claim; to Your andcover. (ii) recover from You any sums that We have already paid in respect of the 3. Claims claim. We Your will duties: also notify You if We will be treating the policy as having terminated with effect from the date As soon of the as You earliest are of aware any of acts an set incident out or (a) cause (d) above. which is In likely that event, to lead You to a will: claim under this Policy, You must: - have no cover under the policy from the date of the termination; and - not be entitled to any refund of premium. (a) t ell the police immediately about any Property which has been lost, stolen or maliciously 5. Other damaged, insurance and get a crime reference number; (b) If there c ontact is any Towergate other insurance Underwriting covering Let the Property same claim, within We 30 will days only of pay the Our incident share and of the provide claim, all even the if the other information insurer and refuses help the We claim. need; (c) do all You reasonably can to get back any lost or stolen property and tell Towergate 6. Monthly premiums Underwriting Let Property without unnecessary delay if any property is then returned to You; If You pay Your premium by direct debit and there is any default in payment We may cancel the (d) send Towergate Underwriting Let Property all correspondence, legal documents or any other Policy by giving notice in accordance with Condition 7 Cancelling this policy. However, no refund or document unanswered; and credit of premium will be due when cancellation takes place in these circumstances. (e) Do not admit, deny, negotiate or settle a claim without Our written consent. 7. (f) only Cancelling undertake this policy emergency work to prevent further loss or damage. (a) You have the right to cancel Your Policy during a period of 14 days after the later of the day of Proof purchase of value of and the ownership contract or the day on which You receive Your policy documentation. To help If You You wish prove to do any so loss, and We the recommend insurance cover that You has already keep receipts, commenced, valuations, whether photographs, within the instruction first 14 booklets days and or not, guarantee You will cards be entitled to help to with a refund Your of claim. 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 Our which rights You received cover and will include an additional charge to cover the (a) administrative We may: cost of providing the Policy. take over and defend or settle any claim in Your name; or (b) Should prosecute You cancel (in Your the policy name after for Our the own first 14 benefit) days, We any will claim work for indemnity out the premium or damages for the or period We have otherwise. been insuring You, based on proportionate rates, and refund any balance. However, We (b) We will charge have the You right at least to do three as We months see fit in premium. legal action and in settling Your claim.

31 Limit (c) Other than when General Condition 4 - Fraud applies, We may cancel this Policy by sending 14 For any days claim notice or series by recorded of claims delivery involving to Your legal liability last known covered address. by this As Policy, long as We You may have pay: not made a (a) claim up to during the limit the shown current in the Period Policy of (less insurance, any amounts You will already be entitled paid as to compensation), a return of Your orpremium (b) relating any lower to amount the remaining for which part We of the can Period settle Your of insurance claim. You have paid the premium for. (d) Once Where We have a claim made has the been payment, made during We will the have current no further Period liability of insurance connection the full annual with Your premium claim, apart will from be paying payable costs despite and expenses cancellation You of incurred cover and before We the reserve payment the right date. to deduct this from any claim payment. In any event a due proportion of the premium and administration charge shall be 4. Fraud payable for the period of cover provided. If You or anyone acting on Your behalf: a) makes any false or fraudulent claim, 8. Your duty to keep to the conditions of this Policy. b) makes any exaggerated claim, To be covered by this insurance, You must keep to the terms and conditions of this Policy. You shall take all c) reasonable supports a steps claim to by prevent false or loss, fraudulent damage documents, or accident and devices maintain or statements the Buildings (whether in a good or not state the of repair. claim is itself genuine), d) makes a claim for loss or damage which You or anyone acting on Your behalf deliberately 9. Arbitration caused, If We We will: have accepted Your claim but disagree with the amount We should pay, an arbitrator will decide (i) refuse to pay the whole of the claim; and the matter. You and We must agree on an arbitrator in line with the law at the time. You must wait for the arbitrator s (ii) recover decision from You before any You sums can that take We any have legal already action paid against in respect Us. of the claim. 10. We Governing will also notify Law You if We will be treating the policy as having terminated with effect from the Under date of the the laws earliest of the of any United acts Kingdom set out in (England, (a) (d) above. Scotland, In that Wales event, and You Northern will: Ireland) both You and - have no cover under the policy from the date of the termination; and We may choose the law which applies to this contract, to the extent permitted by those laws. Unless - not be entitled to any refund of premium. You and We agree otherwise, We have agreed with You that the law which applies to this contract is the 5. law Other which insurance applies to the part of the United Kingdom in which You live, or, if You live in the Channel Islands If there or is any the Isle other of insurance Man, the law covering of whichever the same of claim, those We two will places only in pay which Our You share live. of the claim, even if the other insurer refuses the claim. We and You have agreed that any legal proceedings between You and Us in connection with this contract 6. Monthly will only premiums take place in the courts of the part of the United Kingdom in which You live, or, if You If You live pay in Your either premium the Channel by direct Islands debit or the and Isle there of Man, is any the default courts in of payment whichever We of may those cancel two the places in which Policy by You giving live. notice in accordance with Condition 7 Cancelling this policy. However, no refund or credit of premium will be due when cancellation takes place in these circumstances. 11. Sum Insured It 7. is Your Cancelling responsibility this policy to make sure that the amount You insure for represents the full value of the Property (a) You have concerned. the right to cancel Your Policy during a period of 14 days after the later of the day of purchase of the contract or the day on which You receive Your policy documentation. For Buildings, If You wish this to means do so and the the full insurance cost of rebuilding cover has Your already Property commenced, including whether any outbuildings, within the plus first an 14 amount days for any not, extra You will charges be entitled that could to a refund be involved of the in premium rebuilding paid such subject as demolition to a deduction costs, architects for the and surveyors time for which fees You and complying have been covered. with the This requirements will be calculated of local authorities. on a pro-rata basis for the period in which You received cover and will include an additional charge to cover the For Contents administrative this means cost of the providing full cost the of replacing Policy. all the Property at today s prices (apart from household linen, where You may make a deduction for wear and tear and loss in value). It is important that (b) Should You insure You for cancel the full the amount policy after as the the Sums first 14 Insured days, We are will the work maximum out the that premium We will for pay the in the period event We of have a claim. been insuring You, based on proportionate rates, and refund any balance. However, We will charge You at least three months premium. 31

32 (c) Index Other Linking than when General Condition 4 - Fraud applies, We may cancel this Policy by sending 14 The Building days notice Sums by Insured recorded in Your delivery Schedule to Your will last be known adjusted address. monthly As long and updated as You have each not year made at the a renewal claim date during line the with current any increase Period of in insurance, the level of You the House will be Rebuilding entitled to Cost a return Index of (prepared Your premium by the Royal relating Institute to of the Chartered remaining Surveyors) part of the or Period any suitable of insurance alternative You index have We paid choose. the premium The new for. Sums Insured and renewal premium will be shown on Your renewal notice. (d) However, Where We a claim will not has reduce been made Sums during Insured the if an current index Period value reduces, of insurance unless the You full ask annual Us to premium do so. Index will linking be the payable Buildings despite Sum cancellation Insured will of continue cover and during We reserve replacement the right or repair to deduct following this from loss or any damage, claim as long payment. as replacement In any event or repair a due is proportion carried out of without the premium unnecessary and administration delay. charge shall be payable for the period of cover provided. Section 2 (Contents): The Consumer Durable Section of the General Index of Retail Prices or its equivalent. 8. Your duty No to additional keep to the premium conditions will be of charged this Policy. for each monthly increase but at each renewal the premium To be covered will be by calculated this insurance, on the You revised must sums keep insured. to the terms and conditions of this Policy. You shall take all reasonable steps to prevent loss, damage or accident and maintain the Buildings in a good state of 13. repair. Inventory It is a condition of Section 2 Contents that You keep an up to date inventory of the Contents in the 9. Arbitration Property and it s state of repair. If We have accepted Your claim but disagree with the amount We should pay, an arbitrator will decide 14. the matter. Change You of Tenancy and We must agree on an arbitrator in line with the law at the time. You must wait for It the is a arbitrator s condition of decision this Policy before that You You can notify take Towergate any legal action Underwriting against Us. Let Property of tenancy changes as soon as You are aware. 10. Governing Law 15. Under Mortgagees the laws of Interest the United Kingdom (England, Scotland, Wales and Northern Ireland) both You and The We may interest choose of the the Mortgage law which Provider applies to noted this contract, the Schedule to the extent will not permitted be prejudiced by those by laws. any act Unless of neglect You and by We You agree or otherwise, occupier We of the have insured agreed Building with You whereby that the the law danger which applies of loss to or this damage contract is is increased the law which without applies the to authority the part of knowledge the United of Kingdom the Mortgage in which Provider You live, so or, long if You as the live Mortgage in the Channel Provider Islands or notifies the Isle Us of Man, and pays the law an additional of whichever premium of those if required two places once in which aware You of any live. such act of neglect. We and You have agreed that any legal proceedings between You and Us in connection with this 16. contract Protections will only take place in the courts of the part of the United Kingdom in which You live, or, if All You protections live in either provided the Channel for the Islands safety or of the the Isle Building of Man, specified the courts in of the whichever Schedule of must those be two maintained places in in which good You order live. and be in use at all times when under Your control and the Building is left unattended or when the occupants have retired for the night. 11. Sum Insured 17. It is Your Unoccupancy responsibility to make sure that the amount You insure for represents the full value of the If Property the Building concerned. specified in the Schedule is left Unoccupied for 14 days or more: a) The Building must be inspected externally and internally at least once every 14 days by You or For Buildings, Your representative this means and the a full detailed, cost of written rebuilding record Your retained Property for including Our inspection any outbuildings, on request plus showing an amount dates for visited, any extra who charges attended that and could observations be involved made. in rebuilding such as demolition costs, architects and surveyors fees and complying with the requirements of local authorities. b) The gas and water supplies must be turned off and the water system drained. For Contents this means the full cost of replacing all the Property at today s prices (apart from c) household The electricity linen, where supply You must may be make turned a deduction off unless for required wear and to maintain tear and a loss security in value). system. It is important that You insure for the full amount as the Sums Insured are the maximum that We will pay in the d) event All of letter a claim. boxes and other openings must be sealed securely if the unoccupancy is for a period of 30 days or more.

33 12. e) Index External Linking door locks of a reasonable standard for the protection of the Building must be fitted and The in Building use at all Sums times. Insured in Your Schedule will be adjusted monthly and updated each year at the renewal date in line with any increase in the level of the House Rebuilding Cost Index (prepared by the f) Royal All Institute refuse and of Chartered waste materials Surveyors) must or be any removed suitable from alternative the interior index of We the choose. premises The and new no Sums Insured accumulation and renewal of premium waste is allowed will be shown in the adjoining on Your renewal yards or notice. spaces owned by You. However, We will not reduce Sums Insured if an index value reduces, unless You ask Us to do so. Index linking 18. Government the Buildings Financial Sum Insured Sanctions will continue during replacement or repair following loss or damage, as We long will as not replacement provide any or cover repair or is be carried liable out to provide without any unnecessary indemnity, delay. payment or other benefit under this Policy where doing so would breach any prohibition or restriction imposed by law or regulation. Section 2 (Contents): The Consumer Durable Section of the General Index of Retail Prices or its equivalent. If any such prohibition No additional or premium restriction will takes be charged effect during for each the monthly Period of increase insurance but We at each may renewal cancel the this premium policy immediately will be calculated by giving on You the written revised sums notice insured. at Your last known address. If We cancel the policy We will refund premiums already paid for the remainder of the current Period of insurance, provided no 13. claims Inventory have been paid or are outstanding. It is a condition of Section 2 Contents that You keep an up to date inventory of the Contents in the Property and it s state of repair. 14. Change of Tenancy It is a condition of this Policy that You notify Towergate Underwriting Let Property of tenancy changes as soon as You are aware. 15. Mortgagees Interest The interest of the Mortgage Provider noted on the Schedule will not be prejudiced by any act of neglect by You or the occupier of the insured Building whereby the danger of loss or damage is increased without the authority of knowledge of the Mortgage Provider so long as the Mortgage Provider notifies Us and pays an additional premium if required once aware of any such act of neglect. 16. Protections All protections provided for the safety of the Building specified in the Schedule must be maintained in good order and be in use at all times when under Your control and the Building is left unattended or when the occupants have retired for the night. 17. Unoccupancy If the Building specified in the Schedule is left Unoccupied for 14 days or more: a) The Building must be inspected externally and internally at least once every 14 days by You or Your representative and a detailed, written record retained for Our inspection on request showing dates visited, who attended and observations made. b) The gas and water supplies must be turned off and the water system drained. c) The electricity supply must be turned off unless required to maintain a security system. d) All letter boxes and other openings must be sealed securely if the unoccupancy is for a period of 30 days or more. 33

34 General Exclusions e) External door locks of a reasonable standard for the protection of the Building must be fitted and in use at all times. This f) All Policy refuse does and not waste cover materials any loss, must damage, be removed liability from or injury the interior directly of or the indirectly premises caused and no by or contributed accumulation to or of arising waste from: is allowed in the adjoining yards or spaces owned by You War Government Financial Sanctions Any We consequence will not provide whatsoever any cover resulting or be liable directly to provide or indirectly any indemnity, from or payment in connection or other with benefit any of under the following this Policy regardless where doing of any so would other contributing breach any prohibition cause or event: or restriction imposed by law or regulation. war, invasion, act of foreign enemy hostilities or a warlike operation or operations (whether war be declared If any such or prohibition not) civil war, or rebellion, restriction revolution, takes effect insurrection, during the civil Period commotion of insurance assuming We may the proportions cancel this of policy or amounting immediately to by an giving uprising, You military written or notice usurped at power. Your last known address. If We cancel the policy We will refund premiums already paid for the remainder of the current Period of insurance, provided 2. no Terrorism claims have been paid or are outstanding. a) in respect of England, Wales and Scotland but not the territorial seas adjacent thereto as defined in the Territorial Sea Act 1987: loss or destruction or damage or consequential loss of whatsoever nature, directly or indirectly caused by, resulting from or in connection with i) any Act of Terrorism, regardless of any other cause or event contributing concurrently or in any other sequence to such Act of Terrorism ii) any action taken in controlling, preventing or suppressing any Act of Terrorism, or in any other way related to such Act of Terrorism In respect of a. above an Act of Terrorism (Terrorism) means:- Acts of persons acting on behalf of, or in connection with, any organisation which carries out activities directed towards the overthrowing or influencing, by force or violence, of Her Majesty's government in the United Kingdom or any other government de jure or de facto b) in respect of territories other than those stated in a. above loss or destruction or damage or any consequential loss of whatsoever nature, directly or indirectly caused by, resulting from or in connection with i) any act of Terrorism, regardless of any other cause or event contributing concurrently or in any other sequence to such act of Terrorism ii) any action taken in controlling, preventing or suppressing any act of Terrorism, or in any way related to such act of Terrorism 34

35 General Exclusions 3. Radioactivity Loss, damage or liability which involves: (a) ionising, radiation or radioactive contamination from nuclear fuel or nuclear waste; or This (b) the Policy radioactive, does not toxic, cover explosive any loss, or damage, other dangerous liability or properties injury directly of explosive or indirectly nuclear caused equipment. by or contributed to or arising from: 4. Sonic bangs 1. Loss War of or damage to Property caused by pressure waves from aircraft travelling at or above the speed Any of sound. consequence whatsoever resulting directly or indirectly from or in connection with any of the following regardless of any other contributing cause or event: war, 5. Loss invasion, Value act of foreign enemy hostilities or a warlike operation or operations (whether war be declared Loss in value or not) of any civil Property war, rebellion, following revolution, it s repair insurrection, or replacement. civil commotion assuming the proportions of or amounting to an uprising, military or usurped power. 6. Pollution or contamination 2. Any Terrorism claim expense of any kind directly or indirectly caused by or arising out of pollution or a) contamination respect of unless England, caused Wales by: and Scotland but not the territorial seas adjacent thereto as defined (a) in a sudden the Territorial unexpected Sea Act incident, 1987: loss or or destruction or damage or consequential loss of whatsoever (b) nature, oil or water directly escaping or indirectly from a caused fixed oil by, or resulting fixed water from installation, or connection with and i) any which Act was of Terrorism, not the result regardless of an intentional of any other act, cause or event contributing concurrently or in and, any which other occurs sequence during to any such Period Act of Terrorism insurance. ii) All pollution any action or taken contamination controlling, which preventing arises out or of suppressing one incident any shall Act be of deemed Terrorism, to have or in occurred any at the other time way such related incident to takes such Act place. of Terrorism 7. Wear In respect and of Tear a. above an Act of Terrorism (Terrorism) means:- corrosion, Acts of rusting, persons damp acting or on anything behalf that of, or happens in connection gradually, with, the any process organisation of cleaning, which dyeing, carries repair, out alteration, activities renovation directed or towards restoration the overthrowing or influencing, by force or violence, of Her Majesty's government in the United Kingdom or any other government de jure or de facto 8. Illegal Activities Exclusion b) Any in loss respect or damage of territories caused as other a result than of those the Property stated in a. being above used loss for illegal destruction activities. or damage or any consequential loss of whatsoever nature, directly or indirectly caused by, resulting from or in 9. Contractors connection with Any i) claims any arising act of out Terrorism, of the activities regardless of of contractors. any other cause or event contributing concurrently or in any other sequence to such act of Terrorism 10. ii) Date any Change action and taken Computer in controlling, Viruses preventing or suppressing any act of Terrorism, or in any way Any direct related or indirect to such loss act or of damage Terrorism caused: to equipment by its failing correctly to recognise data representing a date in such a way that it does not work properly or at all; or by computer viruses. Legal expenses, legal benefits and /or liability arising directly or indirectly from: equipment failing correctly to recognise data representing a date in such a way that it does not work properly or at all; or computer viruses; but any claim for legal expenses/benefits to pursue compensation for personal injury is not excluded. 35

36 3. For the Radioactivity purposes of this exclusion: Loss, damage or liability which involves: (a) Equipment ionising, includes radiation computers or radioactive and anything contamination else insured from nuclear by this policy fuel or which nuclear has waste; a microchip or in it. (b) the radioactive, toxic, explosive or other dangerous properties of explosive nuclear equipment. Computers include hardware, software, data, electronic data processing equipment and other 4. computing Sonic bangs and electronic equipment linked to a computer. Loss Microchips of or damage include to integrated Property circuits caused and by pressure microcontrollers. waves from aircraft travelling at or above the speed of sound. Computer viruses include any program or software which prevents any operating system, computer 5. program Loss or in Value software working properly or at all. Loss in value of any Property following it s repair or replacement. 11. Defective construction or design 6. Any Pollution loss, damage, or contamination liability, cost or expense of any kind caused by or resulting from poor or faulty Any design, claim workmanship expense or of materials. any kind directly or indirectly caused by or arising out of pollution or contamination unless caused by: (a) a sudden unexpected incident, or (b) oil or water escaping from a fixed oil or fixed water installation, and which was not the result of an intentional act, and, which occurs during any Period of insurance. All pollution or contamination which arises out of one incident shall be deemed to have occurred at the time such incident takes place. 7. Wear and Tear corrosion, rusting, damp or anything that happens gradually, the process of cleaning, dyeing, repair, alteration, renovation or restoration 8. Illegal Activities Exclusion Any loss or damage caused as a result of the Property being used for illegal activities. 9. Contractors Any claims arising out of the activities of contractors. 10. Date Change and Computer Viruses Any direct or indirect loss or damage caused: to equipment by its failing correctly to recognise data representing a date in such a way that it does not work properly or at all; or by computer viruses. Legal expenses, legal benefits and /or liability arising directly or indirectly from: equipment failing correctly to recognise data representing a date in such a way that it does not work properly or at all; or computer viruses; but any claim for legal expenses/benefits to pursue compensation for personal injury is not excluded. 36

37 Endorsements For the purposes of this exclusion: Equipment includes computers and anything else insured by this policy which has a microchip in it. Your Schedule tells You which Endorsements apply. The Computers following include Endorsements hardware, relate software, to aspects data, electronic which are data fundamental processing to equipment this Policy. You and must other comply with computing the conditions and electronic in every equipment respect and linked at all to times. a computer. If You do not comply a claim payment may not be made Microchips in the include event of integrated loss or damage circuits to and Your microcontrollers. Property. Minimum Computer Security viruses include Endorsement any program or software which prevents any operating system, computer This program insurance or software excludes working cover for properly theft from or at the all. Property unless the under noted minimum protections are fitted: a) 11. Defective External doors: construction 5 lever mortice or design deadlocks (conforming to British Standard 3621) b) Any Patio loss, damage, doors: In liability, addition cost to a or central expense locking of any device, kind caused key operating by or resulting bolts top from and poor bottom or faulty opening design, sections. workmanship or materials. c) Windows: Key operated security locks to all ground floor and other accessible windows. Alarm Endorsement This insurance excludes theft or attempted theft claims under sections 1 and 2 unless: a) the burglar alarm is in full and effective operation: i) whenever the Building specified in the Schedule is left unattended, ii) at night b) the burglar alarm system has been maintained in good order under a maintenance contract with a company which is a member of SSAIB (Security Systems Alarm Inspection Board). Subsidence, Landslip or Heave Exclusion Endorsement This insurance excludes claims under section 1 and 2 resulting from Subsidence, Landslip or Heave. Flood Exclusion Endorsement It is hereby agreed that section 1 and 2 of this insurance do not cover:- a) escape of water from the normal confines of any natural or artificial watercourse, lake, reservoir, canal, dam; b) inundation from the sea; or c) flood resulting from storm or tempest. Insurer Endorsement It is hereby noted that this Policy is underwritten by a consortium of UK Insurers whose proportionate liability is as follows: - Allianz Insurance plc 55% Royal & Sun Alliance Insurance plc 45% The Legal Expenses policy is underwritten by DAS Legal Expenses Insurance Company Limited. Restricted Perils Endorsement If any renovation work is undertaken at the Property, other than purely Cosmetic work, cover will be limited to Fire, Lightning, Explosion and Aircraft cover only. Cover will only be issued on the basis that 37

38 38 Endorsements the Property is wind and watertight at all times. Should this not be the case, We reserve the right to limit the cover available to You accordingly. Your Flat Roof Schedule Endorsement tells You which Endorsements apply. The The following flat roof of Endorsements the Building specified relate to in aspects the Schedule which are must fundamental have been to inspected, this Policy. repaired, You must renovated comply with or replaced the conditions no more in than every two respect years and prior at to all inception times. If You of this do not insurance comply and a claim records payment of this may inspection not be made and repair in the must event be of made loss or available damage to to Us Your on request. Property. Future inspection, repair, renovation and replacement where necessary will take place at least once every five years and records of inspection Minimum and repair Security retained for Endorsement Our inspection on request. We will not cover loss or damage to any flat roof This that insurance is over 15 years excludes old. cover for theft from the Property unless the under noted minimum protections are fitted: a) Non External Standard doors: Construction 5 lever mortice Endorsement deadlocks (conforming to British Standard 3621) b) In consideration Patio doors: of In addition the additional to a central premium locking paid device, it is agreed key operating that the term bolts Standard top and bottom Construction opening as defined sections. in Sections 1 and 2 does not apply to the Building specified on the Schedule. c) Windows: Key operated security locks to all ground floor and other accessible windows. Thatch Endorsement Alarm This insurance Endorsement excludes claims under Sections 1 and 2 unless the following warranties are fully This complied insurance with excludes and evidence theft of or compliance attempted theft is retained claims for under Our sections inspection 1 and on 2 request: unless: a) a) the Chimney burglar warranty alarm is in All full chimneys and effective to solid operation: fuel stoves, boilers and open fires be kept in a good i) state whenever of repair and the Building be professionally specified cleaned in the Schedule once a year is left prior unattended, to winter use. b) ii) Thatch at night burn warranty The old thatch must be burnt more than 100 metres from the Building. b) c) the Naked burglar flame alarm warranty system has No naked been maintained flame or tools in good producing order under naked a flames maintenance be present contract in the with loft a company space or attic which of is the a member Building of at SSAIB any time. (Security Systems Alarm Inspection Board). Subsidence, Holiday Home Landslip Endorsement or Heave Exclusion Endorsement This The maximum insurance excludes period the claims Buildings under may section be Unoccupied 1 and 2 resulting for restricted from Subsidence, perils to be Landslip applied or Heave. under Sections 1 and 2 is increased from 30 days to 90 days at any one time. Flood This policy Exclusion excludes Endorsement claims under Sections 1 and 2 if the Buildings are Unoccupied for 30 days It or is more hereby unless: agreed that section 1 and 2 of this insurance do not cover:- a) a) escape the Building of water is inspected from the at normal least once confines every of 30 any days natural by You or artificial or Your watercourse, representative lake, and reservoir, a canal, dam; detailed written record retained for Our inspection on request, showing dates visited, who b) inundation attended and from observations the sea; or made. c) b) flood the gas resulting and water from supplies storm are or tempest. turned off and the water system drained OR the central heating set for a continual minimum temperature of 13 C during the period 1st November to 1st April. Insurer c) the Endorsement electricity supply is turned off unless required for central heating as in b) above, or to It is hereby maintain noted a security that this system. Policy is underwritten by a consortium of UK Insurers whose proportionate liability is as follows: - Allianz Extension Insurance Endorsement plc 55% Royal It is hereby & Sun noted Alliance and Insurance agreed that plc no 45% cover is in force in relation to the extension, until written The confirmation Legal Expenses is received policy confirming is underwritten that the by extension DAS Legal is Expenses wind and Insurance water tight. Company Limited. Restricted Photograph Perils Endorsement Endorsement If A any photograph renovation of work every is external undertaken wall and at the roof Property, in its entirety other should than purely be supplied Cosmetic at inception, work, cover at the will be limited point the to Property Fire, Lightning, becomes Explosion Unoccupied, and Aircraft and each cover subsequent only. Cover renewal. will only If be a photograph issued on the is basis not that received We reserve the right to invalidate any claims should the claims department find evidence of misrepresentation.

39 38 Complaints the Property is wind and watertight at all times. Should this not be the case, We reserve the right to limit the cover available to You accordingly. Flat Our Roof objective Endorsement is to provide a high standard of service to You at all times. However, We recognise The that flat things roof can of sometimes the Building go specified wrong. When in the Schedule this occurs, must We have are committed been inspected, to resolving repaired, matters renovated or promptly replaced and no fairly. more than two years prior to inception of this insurance and records of this inspection and repair must be made available to Us on request. Future inspection, repair, renovation and replacement What happens where if You necessary complain will take place at least once every five years and records of inspection and repair retained for Our inspection on request. We will not cover loss or damage to any flat roof that a) If is We over are 15 unable years old. to deal with Your complaint immediately, We will write to You within 5 working days of receipt and inform You who is dealing with the complaint and when You can next expect a Non response. Standard Construction Endorsement In (b) consideration We aim to conclude of the additional Our investigations premium paid promptly. it is agreed However, that in the some term circumstances, Standard Construction Our as defined investigations in Sections may 1 and take 2 does some not time, apply and to We the will Building keep You specified fully informed. on the Schedule. This means that We will write to You as soon as We have concluded Our investigation or, if We have not been able to Thatch inform Endorsement You of Our decision within 4 weeks of receipt, We will write to You to let You know. If We This are insurance not able excludes to reach claims a decision under within Sections 8 weeks, 1 and We 2 unless will write the following to You again, warranties either; concluding are fully Our complied investigation, with and or; evidence advising of You compliance of when We is retained expect for to be Our able inspection to conclude on request: Our investigation, or; a) advising Chimney You warranty of Your right All chimneys to take Your to solid complaint fuel stoves, to the boilers Financial and open Ombudsman fires be kept in a good (c) When state of We repair conclude and be Your professionally complaint cleaned We will once write a to year You, prior giving to You winter Our use. Final Response. This b) will Thatch tell You burn if warranty We have upheld The old or thatch rejected must Your be complaint burnt more (in whole than 100 or in metres part), from and if the appropriate Building. c) We Naked will flame make warranty an offer of redress. No naked flame or tools producing naked flames be present in the loft space or attic of the Building at any time. What You should do if You would like to complain Holiday Home Endorsement If The You maximum are disappointed period the with Buildings any aspect may of be the Unoccupied handling of for Your restricted insurance, perils please to be contact applied The under Complaints Sections 1 Officer and 2 is at:- increased from 30 days to 90 days at any one time. This policy excludes claims under Sections 1 and 2 if the Buildings are Unoccupied for 30 days Towergate or more unless: Underwriting Let Property a) Towergate the Building House is inspected at least once every 30 days by You or Your representative and a St Edward's Court detailed written record retained for Our inspection on request, showing dates visited, who London attended Road and observations made. b) Romford the gas and water supplies are turned off and the water system drained OR the central heating Essex set for a continual minimum temperature of 13 C during the period 1st November to 1st April. RM7 c) the 9QD electricity supply is turned off unless required for central heating as in b) above, or to Tel: maintain a security system. Let.TULP@towergate.co.uk and (marked 'complaint') Please Extension ensure Endorsement Your policy number is quoted in all correspondence to assist a quick and efficient response. It is hereby noted and agreed that no cover is in force in relation to the extension, until written confirmation is received confirming that the extension is wind and water tight. If Your complaint requires investigation by another party, We will pass details onto them to deal with in accordance Photograph with Endorsement their complaints procedure. In this event, We will provide You with details of who We have A photograph passed Your of every complaint external to. wall and roof in its entirety should be supplied at inception, at the point the Property becomes Unoccupied, and each subsequent renewal. If a photograph is not received We reserve the right to invalidate any claims should the claims department find evidence of misrepresentation. 39

40 Complaints Refer Your complaint to the Financial Ombudsman Service If, after making a complaint to Towergate Underwriting Let Property, You feel that the matter has not Our been objective resolved is to to provide Your satisfaction a high standard (or if of Your service complaint to You remains at all times. unresolved However, after We 8 recognise weeks of initially that things telling can Us) sometimes You may go be wrong. able to When refer Your this occurs, complaint We to are the committed Financial Ombudsman to resolving matters Service, or FOS, promptly at: and fairly. Financial What happens Ombudsman if You complain Service Exchange Tower London a) If We are unable to deal with Your complaint immediately, We will write to You within 5 working E14 9SR days of receipt and inform You who is dealing with the complaint and when You can next expect a Tel: 0800 response (free from landlines) and (b) 0300 We aim 123 to 9123 conclude (free from Our investigations most mobiles) promptly. However, in some circumstances, Our Fax: investigations may take some time, and We will keep You fully informed. This means that We Website: will write to You as soon as We have concluded Our investigation or, if We have not been able to inform You of Our decision within 4 weeks of receipt, We will write to You to let You know. If We The are FOS not is an able independent to reach a decision body that within arbitrates 8 weeks, on We complaints will write after to You We again, have either; provided concluding You with Our written investigation, confirmation or; advising that Our You internal of when complaints We expect procedure to be able has to been conclude exhausted Our investigation, if You are: or; advising A consumer You i.e. of Your an individual right to buying take Your insurance complaint in a to private the Financial capacity Ombudsman or; (c) When A micro We enterprise, conclude (i.e. Your an enterprise complaint We which will employs write to fewer You, giving than 10 You persons Our Final and has Response. a turnover This or will annual tell balance You if We sheet have that upheld does or not rejected exceed Your 2 million. complaint In this (in definition, whole or in enterprise part), and if means appropriate any We person will engaged make an in offer an economic of redress. activity, irrespective of legal form and includes, in particular, selfemployed persons and family businesses engaged in craft or other activities, and partnerships or What associations You should regularly do if You engaged would in like an to economic complain activity) or; A charity with an annual income of less than 1m, or; If You The are trustee disappointed of a trust with with any a aspect net assets of the value handling of less of than Your 1m. insurance, please contact The Complaints Officer at:- Please note that You have 6 months from the date of Our final response in which to refer Your Towergate complaint to Underwriting the FOS. Referral Let Property to the FOS will not affect Your right to take legal action against Us. The Towergate FOS can only House consider Your complaint if You have already given Us the opportunity to resolve it. St Edward's Court London Financial Road Services Compensation Scheme Romford Towergate Underwriting Let Property and the insurers of this policy are covered by the Financial Essex Services Compensation Scheme (FSCS). If We are unable to meet Our obligations, You may be entitled RM7 to compensation 9QD from the scheme, depending on the type of insurance and the circumstances of the Tel: claim Further information is available from the FSCS at Let.TULP@towergate.co.uk and (marked 'complaint') Please Definition ensure of an Your Eligible policy Complainant number is quoted in all correspondence to assist a quick and efficient response. An eligible complainant is either a private individual, a business with a group annual turnover or annual balance sheet not exceeding 2million, a charity with an annual income of less than 1million or a If trustee Your complaint of a trust with requires a net investigation asset value of by less another than party, 1 million We will at the pass time details of the onto complaint. them to deal with in accordance with their complaints procedure. In this event, We will provide You with details of who We have passed Your complaint to. 40

41 Refer Your complaint to the Financial Ombudsman Service If, after making a complaint to Towergate Underwriting Let Property, You feel that the matter has not been resolved to Your satisfaction (or if Your complaint remains unresolved after 8 weeks of initially telling Us) You may be able to refer Your complaint to the Financial Ombudsman Service, or FOS, at: Financial Ombudsman Service Exchange Tower London E14 9SR Tel: (free from landlines) and (free from most mobiles) Fax: Website: The FOS is an independent body that arbitrates on complaints after We have provided You with written confirmation that Our internal complaints procedure has been exhausted if You are: A consumer i.e. an individual buying insurance in a private capacity or; A micro enterprise, (i.e. an enterprise which employs fewer than 10 persons and has a turnover or annual balance sheet that does not exceed 2 million. In this definition, enterprise means any person engaged in an economic activity, irrespective of legal form and includes, in particular, selfemployed persons and family businesses engaged in craft or other activities, and partnerships or associations regularly engaged in an economic activity) or; A charity with an annual income of less than 1m, or; The trustee of a trust with a net assets value of less than 1m. Please note that You have 6 months from the date of Our final response in which to refer Your complaint to the FOS. Referral to the FOS will not affect Your right to take legal action against Us. The FOS can only consider Your complaint if You have already given Us the opportunity to resolve it. Financial Services Compensation Scheme Towergate Underwriting Let Property and the insurers of this policy are covered by the Financial Services Compensation Scheme (FSCS). If We are unable to meet Our obligations, You may be entitled to compensation from the scheme, depending on the type of insurance and the circumstances of the claim. Further information is available from the FSCS at Definition of an Eligible Complainant An eligible complainant is either a private individual, a business with a group annual turnover or annual balance sheet not exceeding 2million, a charity with an annual income of less than 1million or a trustee of a trust with a net asset value of less than 1 million at the time of the complaint. 41

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44 Towergate Underwriting and Towergate Underwriting Let Property are trading names of Towergate Underwriting Group Ltd Towergate House, St Edward's Court, London Road, Romford, Essex, RM7 9QD Registered Office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN Registered in England No Authorised and regulated by the Financial Conduct Authority 6930/194/PW/08.16/S&W