Document of Insurance. Keep me safe. Home Insurance

Transcription

1 Documet of Isurace Keep me safe Home Isurace

2 Welcome to LV= We re delighted you ve chose us Thaks for buyig a LV= isurace policy. We re really pleased that you ve chose us for your home isurace eeds ad we re cofidet you ll be happy with the cover ad service you receive. This booklet cotais everythig you eed to kow about your isurace ad how to cotact us. So make sure you keep it safe with your home isurace schedule. Exceptioal service Our claims service goes the extra mile committed to doig the right thig for you, we ll aim to settle claims quickly ad efficietly, eve i the most difficult circumstaces. If you ever eed to make a claim, just call our friedly UK call cetre o Discouts Do t forget that as a LV= customer you ll receive a discout o some other great LV= isurace products. We hope you ll cotiue to be a LV= customer for may years to come. Joh O Roarke Maagig Director Liverpool Victoria Isurace Compay Limited 1 DOCUMENT OF INSURANCE HOME

3 Cotets Page Welcome to LV= 1 Summary of policy limits 3 Your home isurace policy 4 Useful iformatio 4 Defiitios 6 Buildigs 8 1. Fire 8 2. Water or oil leakig 8 3. Theft 8 4. Storm or flood 8 5. Subsidece, heave or ladslip 8 6. Vadalism or malicious damage 9 7. Impact 9 8. Sellig your home 9 9. Accidetal damage to fixed 9 glass ad saitary fittigs 10. Accidetal damage to cables, udergroud pipes ad drais Uavoidable damage caused by the emergecy services Accidetal damage (optioal cover) Alterative accommodatio Loss of keys Plats i the garde Trace ad access Liability to the public 11 Settlig claims Buildigs 11 Cotets Fire Water or oil leakig Theft Storm or flood Subsidece, heave or ladslip Vadalism or malicious damage 14 Page 7. Impact Accidetal damage to mirrors ad glass Accidetal damage to home etertaimet equipmet Accidetal damage (optioal cover) Cotets i the garde Plats i the garde Loss of keys Alterative accommodatio Fatal ijury Special evets Froze food Title deeds Movig house Teat s cover Moey ad credit cards Dowloaded iformatio Visitor belogigs Temporary removal Cotets at uiversity/college Liability to public Liability to domestic employees 18 Persoal possessios (optioal cover) 18 Pedal cycles (optioal cover) 19 Settlig claims Cotets, Persoal possessios ad Pedal cycles 19 Home emergecy (optioal cover) 21 Geeral exclusios Home emergecy 25 Geeral coditios Home emergecy 26 Geeral exclusios 28 Geeral coditios 29 How we use your persoal iformatio 33 DOCUMENT OF INSURANCE HOME 2

4 Summary of policy limits The followig is oly a summary of the mai policy limits. You should read the rest of this policy booklet for the full terms ad coditios. Sectio of cover Limit of cover Buildigs (if selected) Buildigs Accidetal damage to udergroud drais/pipes Alterative accommodatio 25,000 Plats i the garde Trace ad access Refer to your schedule Liability to the public 2,000,000 Cotets (if selected) Cotets Valuables Office equipmet 5,000 Cotets i the garde 1,000 Plats i the garde Fatal ijury 5,000 Alterative accommodatio 25,000 Froze food 500 Title deeds 750 Teat s cover 10,000 Moey ad credit cards 500 Dowloaded iformatio 1,000 Visitor belogigs 1,000 Temporary removal 5,000 Cotets at uiversity/college 5,000 1,000 (for clearig a blockage) 1,000 ( 250 for ay oe plat, tree or shrub) 5,000 ( 2,500 for a leak outside the home) Refer to your schedule Refer to your schedule Liability to the public 2,000,000 Liability to domestic employees 10,000,000 Persoal possessios (if selected) Persoal possessios Moey ad credit cards 500 Sigle item limit Pedal cycles (if selected) Pedal cycles Home emergecy (if selected) Home emergecy 500 1,000 ( 250 for ay oe plat, tree or shrub) Refer to your schedule Refer to your schedule Refer to your schedule 3 DOCUMENT OF INSURANCE HOME

5 Your home isurace policy Please read this documet of isurace ad the schedule as oe documet. This is your cotract of isurace with us. I retur for your premium we ll give you isurace cover as set out i this booklet accordig to the cover selectios ad period of isurace show o your schedule. Your policy is uderwritte by Liverpool Victoria Isurace Compay Ltd. Our commitmet to you We ll always: make sure all the iformatio we give you is clear ad accurate be fair ad reasoable act promptly Useful iformatio To make a claim (24 hours a day, 365 days a year) Follow these simple steps: 1. Check you are covered by lookig at this booklet ad your schedule; 2. Call us as soo after the icidet as possible please have your policy details ad iformatio about the claim ready whe you call; 3. Speak to us before you make ay arragemets for replacemet or repair; 4. Do t forget to tell the police whe your property is lost, stole or maliciously damaged. How to make a complait If you wish to make a complait, please cotact us by phoe o , for TextDirect please dial first, or write to us. If you prefer to write, please address your letter to: The Customer Relatios Maager, LV=, Couty Gates, Bouremouth, BH1 2NF. Please quote the policy umber i all correspodece. For more iformatio, please visit the complaits sectio o our website: LV.com/complaits A copy of our iteral complaits procedure is available o request. If we caot resolve your complait, you may refer your complait to the Fiacial Ombudsma Service withi 6 moths of receivig our fial respose letter. The address is: Fiacial Ombudsma Service, Exchage Tower, Harbour Exchage Square, Lodo, E14 9GE. Telephoe: (free for people phoig from a fixed lie, for example, a ladlie at home) or (free for mobile-phoe users who pay a mothly charge for calls to umbers startig 01 or 02) or complait.ifo@fiacialombudsma.org.uk Makig a complait will ot affect your right to take legal actio. DOCUMENT OF INSURANCE HOME 4

6 What happes if we ca t meet our liabilities? If we ca t meet our liabilities, you may be able to claim from the Fiacial Services Compesatio Scheme (FSCS). There are differet levels of compesatio depedig o what kid of isurace you have. Home isurace is covered for 90% of the claim as it s a o-compulsory isurace product. You ca get further iformatio from: Fiacial Services Compesatio Scheme, 10th Floor Beaufort House, 15 St Botolph Street, Lodo, EC3A 7QU. Phoe or equiries@fscs.org.uk If you have a domestic emergecy (24 hours a day, 365 days a year) If you or your family suffer a domestic emergecy i your home, such as a blocked toilet, hot water or heatig failure, call our Domestic Emergecy Assistace helplie. Please have your policy details ad iformatio about the emergecy ready whe you call. A traied operator will be o had to help ad advise you. If required, they will arrage for emergecy assistace or repairs to be completed by a approved tradesperso. If you use this service, you will be resposible for payig the tradesperso s charges ad ay costs of materials icurred. If the damage is covered by your isurace policy you may be able to claim these costs as part of ay claim you submit. Home emergecy cover If you ve chose to iclude our optioal Home emergecy cover (this will be show as covered o your schedule), you may be covered for emergecy repair costs up to 500, which iclude call out, parts, labour ad VAT. For full details of what is ad is t covered, please see the Home emergecy cover sectio i your documet of isurace. If the damage is also covered by your home isurace policy you may be able to claim for ay emergecy repair cost i excess of 500 as part of ay claim you make. Legal advice (24 hours a day, 365 days a year) Our cofidetial Legal Advice helplie, which is maaged o our behalf by Arc Legal Assistace (Arc), puts you i touch with a qualified legal adviser who ca give you advice o ay persoal legal matter. The service oly provides advice ad does ot cover ay legal fees ad expeses which you may icur as a result of followig the advice. To be covered for legal fees ad expeses, you eed to have purchased our optioal Legal expeses isurace. Idetity fraud assistace helplie (24 hours a day, 365 days a year) You may call oe of our desigated idetity fraud experts to obtai cofidetial advice o ay matter relatig to idetity fraud, or call them as soo as you become aware that you or your family are or may be a victim of idetity fraud. If you are a victim of idetity fraud i the UK, you will be assiged a persoal case hadler who will work with you to resolve the situatio. Please ote that this service does ot cover ay fiacial loss or costs you may icur as a result of idetity fraud. 5 DOCUMENT OF INSURANCE HOME

7 Defiitios Wherever these defiitios appear i this documet of isurace, they have the same meaig. Accidetal damage Claim Documet of isurace Excess Family Heave Home Home etertaimet equipmet Idetity fraud Ladslip Limit of cover Moey damage caused suddely by exteral meas which is ot expected ad ot deliberate. a sigle loss or series of losses arisig from oe icidet or illess. this booklet. the first amout of ay claim you must pay. you, your spouse/parter ad ay other relatives or ay other perso, who is ot a payig guest, all permaetly livig withi your home. upward movemet of groud. the private property at the address show o the schedule, together with its garages ad domestic outbuildigs. radios, televisios, digital, cable ad satellite decoders/receivers, home computers, laptops, tablets, otebooks, e-readers ad games cosoles. Video, DVD, record, tape ad CD players. a perso or group of people kowigly usig a meas of idetificatio belogig to you without your kowledge or permissio with itet to commit or assist aother to commit a illegal act. movemet of groud dow a slope. the most we will pay i respect of ay claim. cash, bak ad currecy otes, cheques, postal ad moey orders, bakers drafts, lucheo vouchers, savig stamps ad certificates, bods, curret postage stamps, travellers cheques, travel tickets, seaso tickets ad gift tokes belogig to, or the resposibility of, you or your family. DOCUMENT OF INSURANCE HOME 6

8 Office equipmet Period of isurace Schedule Settlemet Subsidece Uoccupied Valuables We, us, or our You, your computers, keyboards, moitors, priters, word-processig equipmet, desk-top publishig uits, multi-user small busiess computers ad fax machies. the legth of time that the cotract of isurace applies for. This is show o your schedule. you; the period of isurace; those sectios of this documet of isurace that apply; limits of cover; ay coditios which may vary the terms of this documet of isurace. dowward movemet of groud as a result of ormal cosolidatio ad compactio of the soil by the weight of the buildigs withi 10 years of costructio. dowward movemet of groud other tha by settlemet. ot lived i by you or a member of your family or ay other perso with your permissio or does ot have sufficiet furiture or services for ormal livig purposes. Lived i meas slept i frequetly. Regular visits or occasioal overight stays are ot accepted as livig i the property. jewellery, watches, furs, items made of gold, silver ad other precious metals, pictures ad other works of art, icludig stamp, coi ad medal collectios. Liverpool Victoria Isurace Compay Limited. the perso or people show o the curret schedule. 7 DOCUMENT OF INSURANCE HOME

9 Buildigs This sectio oly applies if selected by you ad show as covered o your schedule. Buildigs are the structure of your home, icludig: permaet fixtures ad fittigs icludig solar paels ad wid turbies; saitary ware such as baths, basis, bidets, toilets or showers; walls, gates, feces (but ot hedges, trees, shrubs, laws or plats); domestic outbuildigs ad private garages that form part of your home; swimmig pools (but ot their covers), teis courts; drives, footpaths, patios ad terraces; permaetly sited septic taks ad fixed cetral heatig gas or oil taks; all beig property belogig to you or for which you are legally resposible. We will provide the followig cover for ay loss or damage to the buildig up to the limit of cover show o your schedule: 1. Fire (icludig resultat smoke damage), lightig, explosio or earthquake. 2. Water or oil leakig from ay fixed tak, domestic appliace or pipe, but ot: subsidece, heave or ladslip caused by escapig water; damage to the tak, appliace or pipe itself, uless caused by freezig; damage caused by the failure, wear ad tear or lack of groutig or sealat; after your home has bee uoccupied for more tha 60 days i a row (uless the Isurace coditios show o your schedule shows aythig differet). 3. Theft or attempted theft, but ot: while the home is lived i by ayoe other tha you or a member of your family uless violece ad force is used to break ito your home; after your home has bee uoccupied for more tha 60 days i a row (uless the Isurace coditios show o your schedule shows aythig differet). 4. Storm or flood, but ot: loss or damage to gates or feces; the cost of the removal of a tree or brach, uless its fall has caused damage to the buildig itself. 5. Subsidece or heave of the site o which the buildig stads or ladslip, but ot: if the mai structure of your home or domestic outbuildigs is ot damaged at the same time, by the same cause; coastal or river erosio (uless the Isurace coditios show o your schedule shows aythig differet); where compesatio has bee provided uder ay cotract, legislatio or guaratee; durig demolitio, structural alteratio or repair work; DOCUMENT OF INSURANCE HOME 8

10 damage to solid floors ad o load bearig walls uless the foudatios beeath the exterior load bearig walls are damaged at the same time by the same cause; damage caused by beddig dow or settlemet of made groud; damage caused by poor workmaship, poor desig or faulty material, icludig iadequate costructio of foudatios; damage caused by the failure to follow good buildig practice at the time of desig or costructio; ay loss or damage show as ot isured elsewhere i this documet of isurace. 6. Vadalism or malicious damage, icludig riot, civil urest, strikes or labour or political disturbaces, but ot after your home has bee uoccupied for more tha 60 days i a row (uless the Isurace coditios show o your schedule shows aythig differet). 7. Impact by ay aimal, fallig tree or brach, road vehicle, trai, aircraft or other flyig objects (icludig items dropped from them), televisio or radio aerials, satellite dishes ad their fittigs, but ot: damage to gates or feces by fallig trees or braches; damage by domestic pets; the cost of the removal of a tree or brach, uless its fall has caused damage to the buildig itself. 8. Sellig your home. The buyer will be covered for loss or damage covered by this isurace up to the date the sale completes o your home, uless the buildigs are isured by aother policy. If you are buyig aother property to live i, which we have agreed to isure, we will cover your ew property for loss or damage uder this sectio for up to 90 days from the date cotracts are exchaged or, i Scotlad, the date your offer is accepted. But ot: if the property is isured uder aother policy; if the property is uoccupied for more tha 60 days i a row; after the sale or purchase has completed. 9. Accidetal damage to fixed glass, saitary ware, solar paels ad ceramic hobs formig part of the buildig, but ot: damage that happes while the property is occupied by ayoe other tha you or a member of your family; if your home has bee uoccupied for more tha 60 days i a row (uless the Isurace coditios show o your schedule shows aythig differet). 10. Accidetal damage to cables, udergroud pipes ad drais (ad their ispectio covers) servig your home. We will also pay up to 1,000 for the cost of breakig ito ad repairig a udergroud pipe to clear a blockage betwee the mai sewer ad your home if roddig or other covetioal methods of ublockig have bee usuccessful. 9 DOCUMENT OF INSURANCE HOME

11 11. Uavoidable damage caused by the emergecy services whe accessig your home or garde as a result of a emergecy to you or your family. 12. Accidetal damage (optioal cover) to the buildig, but ot: while the home is lived i by ayoe other tha you or a member of your family; the cost of maiteace or ormal redecoratio; damage caused durig demolitio, structural alteratios or repairs; ay loss or damage show as ot isured elsewhere i this documet of isurace. The followig cover is also icluded up to the limits show: 13. Alterative accommodatio. If your home becomes uihabitable followig loss or damage covered uder this sectio we will pay up to 25,000 durig the period of isurace for: the extra cost of similar alterative accommodatio for you, your family ad your domestic pets; or loss of ay urecoverable ret (icludig groud ret) due to you. 14. Loss of keys. We will pay for the reasoable cost of replacig locks to the exteral doors of your home ad alarms ad safes if your keys are lost or stole. 15. Plats i the garde. We will pay up to 1,000 for loss or damage to hedges, trees, shrubs, plats ad laws withi the boudaries of your home by: But ot: Fire, lightig, explosio or earthquake; Vadalism or malicious damage; Impact; Theft or attempted theft. more tha 250 for ay oe tree, plat or shrub; impact by fallig trees or braches; ay loss or damage show as ot isured elsewhere i this documet of isurace; if we pay for hedges, trees, shrubs, plats or laws uder the cotets sectio as a result of the same icidet. 16. Trace ad access. We will pay up to 5,000 for the cost of removig ad replacig ay part of the buildigs to fid ad repair the source of a water or oil leak from ay fixed tak, appliace or pipe formig part of your home. But ot: damage to the tak, appliace or pipe itself; more tha 2,500 for a water or oil leak outside the home. DOCUMENT OF INSURANCE HOME 10

12 17. Liability to the public. If followig a accidet someoe dies, is ijured, falls ill or has their property damaged, durig the period of isurace, we will cover your legal liability: as ower of the buildig ad its lad; uder the Defective Premises Act 1972 or the Defective Premises Measure (Norther Irelad) 1974 for ay home you have previously owed, but ot for more tha 7 years after the isurace has eded or bee cacelled. The most we will pay for ay claim arisig from oe icidet, icludig claimats costs ad expeses is 2,000,000. We may also pay other costs ad expeses icurred with our prior permissio, withi this limit. We will ot pay for: the death, bodily ijury or illess of you or a member of your family or domestic employees; loss or damage to ay property you or a member of your family ow or are resposible for; ay liability resultig from a agreemet you have with aother party; ay liability arisig from ay professioal, occupatioal or busiess activities; the cost of puttig right ay fault or alleged fault which, if ot put right, may cause accidetal bodily ijury or disease or accidetal loss of or damage to property; ay liability covered by ay other isurace. Settlig claims - buildigs This sectio describes how we deal with your claim. If the loss or damage is covered by this isurace we will agree with you whether to: arrage for repair or replacemet usig oe of our suppliers; or pay the cost of repair; or make a cash paymet. We will pay the full cost of ay repair or replacemet, icludig ay architects ad surveyors fees, demolitio, removal of debris or local authority costs we have agreed to pay. Repairs completed by our approved suppliers as a result of a claim covered by this isurace, are guarateed for 12 moths. If the damage to the buildigs is ot rebuilt or repaired, or the buildigs were ot i a good coditio whe damaged, we will pay either: the cost of repair or replacemet less a amout for wear ad tear; or the differece betwee the value of sellig your home o the ope market immediately before the damage ad its value after the damage. Cash paymets If we ca offer a repair or replacemet through oe of our suppliers ad you choose ot to have the item repaired or replaced, we ll ot pay more tha the amout we would have paid our supplier. 11 DOCUMENT OF INSURANCE HOME

13 If we re uable to offer repair or a equivalet replacemet is ot available, we ll pay the earest cash equivalet or curret market value of the item at the time of the loss or damage. Excesses that apply If your schedule shows that you have to pay a excess, this is the amout you must pay as the first part of ay claim. The most we will pay for ay claim is the limit of cover, less ay excess. Matchig Sets ad Suites If you make a claim for ay damaged item that forms part of a matchig floorig, bathroom suite or kitche, we will cotribute 50% towards the cost of replacig ay udamaged items which are part of the same set or suite if a repair or replacemet for the damaged item is ot available. If you make a claim for damaged fitted floorig that matches a adjoiig room, we will cotribute 50% towards the cost of replacig the udamaged floorig i the adjoiig room if repair or replacemet of the damaged floorig is ot available. We will ot pay for replacig floorig to other udamaged rooms. Your policy does ot cover claims arisig from wear ad tear or gradual deterioratio. It is your resposibility to keep your home i a good coditio. Please read the Geeral exclusios sectio for further details. Idex likig The buildigs limit of cover may be icreased durig the period of this isurace i lie with the House Rebuildig Cost Idex prepared by the Royal Istitutio of Chartered Surveyors. You must let us kow immediately about ay alteratio to the buildig which icreases its value beyod the limit of cover. DOCUMENT OF INSURANCE HOME 12

14 Cotets This sectio oly applies if selected by you ad show as covered o your schedule. Cotets are: household goods; valuables, but ot more tha the limit show o your schedule; home etertaimet equipmet (if a limit applies this is show separately o your schedule); office equipmet, but ot more tha 5,000 i total; moey ad credit cards; pedal cycles; televisio or radio aerials, satellite dishes ad their fittigs; teat s fixtures ad improvemets; all beig property belogig to you or your family, or for which you or they are legally resposible whe withi the home. Cotets are ot: motor vehicles (icludig motor cycles, quad bikes ad motorised scooters), caravas, trailers, watercraft, aircraft ad all their accessories; aimals; busiess stock, equipmet, tools or materials; ay part of the structure of your home, icludig decoratios or permaet fixtures ad fittigs. We will provide the followig cover for ay loss or damage to the cotets i your home up to the amout of cover show o your schedule: 1. Fire (icludig resultat smoke damage), lightig, explosio or earthquake. 2. Water or oil leakig from ay fixed tak, domestic appliace or pipe, icludig loss of metered water or oil but ot: after your home has bee uoccupied for more tha 60 days i a row (uless the Isurace coditios show o your schedule shows aythig differet); damage caused by the failure, wear ad tear or lack of groutig or sealat. 3. Theft or attempted theft from the cofies of your home, icludig losses from your garages ad outbuildigs, but ot: while the home is lived i by ayoe other tha you or a member of your family, uless violece ad force is used to break ito your home; after your home has bee uoccupied for more tha 60 days i a row (uless the Isurace coditios show o your schedule shows aythig differet). 4. Storm or flood 5. Subsidece or heave of the site o which the buildig stads or ladslip but ot coastal ad river erosio (uless the Isurace coditios show o your schedule shows aythig differet). 13 DOCUMENT OF INSURANCE HOME

15 6. Vadalism or malicious damage, icludig riot, civil urest, strikes or labour or political disturbaces, but ot after your home has bee uoccupied for more tha 60 days i a row (uless the Isurace coditios show o your schedule shows aythig differet). 7. Impact by ay aimal, fallig tree or brach, road vehicle, trai, aircraft, or other flyig objects (icludig items dropped from them), but ot damage caused by domestic pets. 8. Accidetal damage to mirrors ad glass or ceramic tops formig part of furiture while i your home, but ot while the home is lived i by ayoe other tha you or a member of your family. 9. Accidetal damage to home etertaimet equipmet while i your home or garde, but ot: while the home is lived i by ayoe other tha you or a member of your family; damage to computer software or dowloaded iformatio; damage to had held game cosoles, digital cameras, video cameras, mobile phoes, smart phoes ad had held multi-media players such as MP3/4 players, uless sectio 10 (Accidetal damage) has bee icluded ad is showig as covered o your schedule; ay loss or damage show as ot isured elsewhere i this documet of isurace. 10. Accidetal damage (optioal cover) to the cotets i your home or garde, but ot: while the home is lived i by ayoe other tha you or a member of your family; damage to computer software or dowloaded iformatio; ay loss or damage show as ot isured elsewhere i this documet of isurace. The followig cover is also icluded withi your cotets up to the limits show: 11. Cotets i the garde. We will pay up to 1,000 for loss or damage to ay cotets withi the boudaries of your home by: Fire, lightig, explosio or earthquake; Vadalism or malicious damage; Impact; Flood; But ot: Theft or attempted theft. loss or damage to hedges, trees, shrubs, plats or laws; after your home has bee uoccupied for more tha 60 days i a row (uless the Isurace coditios show o your schedule shows aythig differet); ay loss or damage show as ot isured elsewhere i this documet of isurace. DOCUMENT OF INSURANCE HOME 14

16 12. Plats i the garde. We will pay up to 1,000 for loss or damage to hedges, trees, shrubs, plats ad laws withi the boudaries of your home by: But ot: Fire, lightig, explosio or earthquake; Vadalism or malicious damage; Impact; Theft or attempted theft. more tha 250 for ay oe tree, plat or shrub; impact by fallig trees or braches; ay loss or damage show as ot isured elsewhere i this documet of isurace; if we pay for hedges, trees, shrubs, plats or laws uder the buildigs sectio as a result of the same icidet. 13. Loss of keys. We will pay for the reasoable cost of replacig locks to the exteral doors of your home ad alarms ad safes if your keys are lost or stole. 14. Alterative accommodatio. If your home becomes uihabitable followig loss or damage covered uder this sectio we will pay up to 25,000 durig the period of isurace for: the extra cost of similar alterative accommodatio for you, your family ad your domestic pets; or ret which you are cotracted to pay durig the time ecessary to restore the buildig to a habitable coditio. 15. Fatal ijury. We will pay 5,000 if you or your husbad, wife or parter die withi 12 moths as a direct result of a ijury caused by fire or violece by itruder(s) at your home. 16. Special evets. We will icrease the cotets limit of cover by 10% for oe moth before ad after a religious festival or special evet of you or a member of your family, for purchases made for these evets, if withi the period of isurace. 17. Froze food. We will pay up to 500 for loss or damage to the cotets of your fridge or freezer caused by a chage i temperature followig breakdow, a domestic fuse blowig, accidetal failure of the public electricity or gas supply or refrigerat leakage. 18. Title deeds. We will pay up to 750 for loss or damage covered by this isurace to replace the title deeds of your home while they are i safekeepig lodged with your bak, mortgage leder, solicitor or i your home. 19. Movig house. We will pay for accidetal loss or damage to your cotets while they are beig moved to your ew permaet home by professioal removal cotractors, icludig while temporarily stored by a storage compay for up to 14 days. But ot: loss or damage to chia, glass ad brittle items, uless these have bee packed by professioal packers; ay loss or damage show as ot isured elsewhere i this documet of isurace. 15 DOCUMENT OF INSURANCE HOME

17 20. Teat s cover. If you are a teat we will pay up 10,000 for ay loss or damage covered by this isurace to ay fixtures ad fittigs you have istalled i your home or for which you are resposible. 21. Moey ad credit cards. We will pay up to 500 for the accidetal loss or theft of moey from your home or the uauthorised use of a charge, credit or debit card followig them beig stole from your home (uless the Isurace coditios show o your schedule shows aythig differet) i ay oe period of isurace but ot; loss or theft ot reported to the police withi 24 hours of discovery; charge, credit or debit cards which are lost ad ot reported to the issuig or card registratio compay withi 24 hours of discovery; uauthorised use of charge, credit or debit cards by a member of your family or domestic employees. 22. Dowloaded iformatio. We will pay up to 1,000 for loss or damage to iformatio that you have bought ad stored o your home etertaimet equipmet or mobile phoe as a result of a cause listed i paragraphs 1 to 7 of this sectio. But ot: the cost of remakig a file, tape or disc; rewritig the iformatio cotaied o your home etertaimet equipmet; ay loss or damage show as ot isured elsewhere i this documet of isurace. 23. Visitor belogigs. We will pay up to 1,000 for loss or damage to your visitors persoal belogigs (other tha moey ad valuables), as a result of a cause listed i paragraphs 1 to 7 of this sectio, whilst your visitor is i your home. 24. Temporary removal. We will pay up to 5,000 for loss or damage to your cotets, as a result of a cause listed i paragraphs 1 to 7 of this sectio, while temporarily removed from your home, but still i the British Isles, whe i the followig locatios: i ay private home where someoe is livig; i a bak or safe deposit; i ay trade premises for makig up, alteratio, reovatio, repair, cleaig, dyeig or valuatio; But ot: ay buildig i which you or a member of your family work. ay cotets take from your home to sell or exhibit; loss or damage to moey or busiess equipmet; theft or attempted theft uless violece ad force is used to remove the cotets from a buildig; loss or damage to pedal cycles; ay cotets temporarily removed for the purposes of attedig a uiversity, college or boardig school. DOCUMENT OF INSURANCE HOME 16

18 25. Cotets at uiversity/college. We will pay up to 5,000 for loss or damage to your cotets, as a result of a cause listed i paragraphs 1 to 7 of this sectio, while temporarily removed from the home while kept i ay studet accommodatio or ay buildig i which you or your family study withi the British Isles. But ot: ay cotets take from your home to sell or exhibit; loss or damage to moey or busiess equipmet; theft or attempted theft uless violece ad force is used to remove the cotets from a buildig; loss or damage to pedal cycles. 26. Liability to the public. If followig a accidet someoe dies, is ijured, falls ill or has their property damaged aywhere i the world, durig the period of isurace, we will cover the legal liability of you or your family as: occupiers of the home; private idividuals. The most we will pay for ay claim arisig from oe icidet, icludig claimats costs ad expeses is 2,000,000. We may also pay other costs ad expeses icurred with our prior permissio, withi this limit. We will also pay ay amout you, or a member of your family are awarded as damages ad taxed costs by ay court i the British Isles, which, had the positio bee reversed, would have resulted i a claim uder this sectio. Paymet of the award ad taxed costs will be made if you have ot received ay of the amout withi 90 days of the award. If ay part paymet has bee made to you we will pay the balace outstadig 90 days after the last paymet. The most we will pay for ay claim arisig from oe icidet is 2,000,000. We will ot pay for ay liability arisig from: the owership of your home or the owership or occupatio of ay other premises; the death, bodily ijury or illess of you or a member of your family or domestic employees; the owership or use of ay aircraft, motor vehicle (icludig motor cycles, quad bikes ad motorised scooters), horse draw vehicle, ship, vessel or craft; loss or damage to ay property you or a member of your family ow or are resposible for; a agreemet you have with aother party; a icidet which is covered by ay other isurace; ay professioal, occupatioal or busiess activity; ay aimal, other tha horses ad domestic pets; ay dog which is desigated dagerous or allowed to be dagerously out of cotrol uder the Dagerous Dogs Act; the cost of puttig right ay fault or alleged fault which, if ot put right, may cause accidetal bodily ijury or disease or accidetal loss of or damage to property. 17 DOCUMENT OF INSURANCE HOME

19 27. Liability to domestic employees. If followig a accidet durig the period of isurace your domestic employee dies, is ijured or falls ill whilst beig employed by you ad you are foud legally liable, we will pay up to 10,000,000 for ay claim arisig from oe icidet, icludig claimats costs ad expeses. We may also pay other costs ad expeses icurred with our prior permissio, withi this limit. Cover applies aywhere i the world as log as you etered ito the cotract of employmet with the employee i the British Isles. Persoal possessios (optioal cover) This sectio oly applies if selected by you ad show as covered o your schedule. Persoal possessios are: persoal belogigs, which are desiged to be wor or carried. The most we will pay for ay oe item is show o your schedule; moey ad credit cards take away from your home, but ot more tha 500 for each; all beig property belogig to you or your family, or for which you or they are legally resposible. Persoal possessios are ot: motor vehicles (icludig motor cycles, quad bikes ad motorised scooters), caravas, trailers, watercraft, aircraft ad all their accessories; busiess stock, equipmet, tools or materials (uless we have agreed to provide this cover ad it is icluded o your schedule); aimals; pedal cycles or their accessories (uless show as covered i your schedule uder persoal possessios cover); furiture, furishigs ad household goods; We will provide cover for ay loss or damage to persoal possessios i Europe ad up to 60 days worldwide i ay oe period of isurace. We will ot pay for: losses from uatteded vehicles, caravas or motor caravas uless the item is stored out of sight i a glove or luggage compartmet ad all the doors are locked ad widows fully closed; theft of ay studet belogigs stole from ay o self cotaied accommodatio uless violece ad force is used to remove them; theft of ay items used i coectio with ay busiess, trade or professio uless violece ad force is used to remove them; accidetal loss or damage to software or dowloaded iformatio; losses for moey if ot reported to the police withi 24 hours of discovery; charge, credit or debit cards which are lost ad ot reported to the issuig or card registratio compay withi 24 hours of discovery; uauthorised use of charge, credit or debit cards by a member of your family or domestic employee; DOCUMENT OF INSURANCE HOME 18

20 moey ad credit cards if we have agreed to a claim uder the cotets sectio as a result of the same icidet; ay loss or damage which is covered by aother isurace. Pedal cycles (optioal cover) This sectio oly applies if selected by you ad show as covered o your schedule. Pedal cycles beig property belogig to you or your family, or for which you or they are legally resposible. The most we will pay for ay oe pedal cycle ad its accessories is the value show agaist it o your schedule. We will provide cover for ay loss or damage to pedal cycles i Europe ad up to 60 days worldwide i ay oe period of isurace. We will ot pay for: theft of ay pedal cycles away from your home, uless locked to a permaet structure; theft of pedal cycle accessories uless they are stole with the pedal cycle; loss or damage whilst racig, pace-makig or takig part i time trials; motorised pedal cycles. Settlig claims cotets, persoal possessios ad pedal cycles This sectio describes how we deal with your claim. If the loss or damage is covered by this isurace we will agree with you whether to: arrage for repair or replacemet usig oe of our suppliers; or pay the cost of repair or replacemet; or make a cash paymet. We ll take off a amout for wear ad tear for clothig ad also if it is: ot i a good coditio; or ot replaced. You caot claim for ew items if repair is ecoomically possible or if you replace the item with a secod had oe. Repairs completed by our approved suppliers as a result of a claim covered by this isurace, are guarateed for 12 moths. Cash paymets If we ca offer a repair or replacemet through oe of our suppliers ad you choose ot to have the item repaired or replaced, we ll ot pay more tha the amout we would have paid our supplier. If we re uable to offer repair or a equivalet replacemet is ot available, we ll pay the earest cash equivalet or curret market value of the item at the time of the loss or damage. Excesses that apply If your schedule shows that you have to pay a excess, this is the amout you must pay as the first part of ay claim. The most we will pay for ay claim is the limit of cover, less ay excess. 19 DOCUMENT OF INSURANCE HOME

21 Your policy does ot cover claims arisig from wear ad tear or gradual deterioratio. It is your resposibility to keep your cotets, persoal possessios ad pedal cycles i a good coditio. Please read the Geeral coditios ad Geeral exclusios sectios of this booklet for further details. Proof of value I the evet of a claim for ay valuable or jewellery item show o your schedule, you will eed to provide proof of its value ad owership of that item. This evidece must be i the form of a professioal valuatio or purchase receipt. Failure to provide this evidece could affect the outcome of the claim. Limit of cover The limit of cover show o your schedule must represet the full replacemet value of all your cotets as ew (apart from clothig where you may take off a amout for wear ad tear). This cotets limit must iclude all your cotets withi your home, your valuables, etertaimet items, persoal possessios take away from your home ad all your pedal cycles. Uder isurace If the limit of cover is less tha the full replacemet cost of the cotets of your home, we will reduce the amout claimed i proportio with the uder isurace. For example if the limit of your cotets cover is equal to 75% of the amout eeded to replace all the cotets, we will pay oly 75% of your claim. Matchig Sets ad Suites If you make a claim for ay damaged item that forms part of a matchig set or suite, we will cotribute 50% towards the cost of replacig ay udamaged items which are part of the same set or suite if a repair or replacemet for the damaged item is ot available. If you make a claim for a damaged carpet that matches a adjoiig room, we will cotribute 50% towards the cost of replacig the udamaged carpet i the adjoiig room if repair or replacemet of the damaged carpet is ot available. We will ot pay for replacig udamaged carpets i ay other rooms. You must tell us if the value of your cotets icrease beyod the limit of cotets cover stated o your schedule. Please esure that the limit of cover for your persoal possessios is adequate. Idex likig The limit of cover show o your schedule may be icreased durig the period of isurace i lie with the Retail Price Idex or aother suitable idex if this is ot available. We may update your limit of cover whe your policy is due for reewal. This does ot apply to persoal possessios or pedal cycles. We will ot reduce the limit of cover if the Retail Price Idex falls. DOCUMENT OF INSURANCE HOME 20

22 Home emergecy (optioal cover) This sectio oly applies if selected by you ad is show as covered o your schedule. Home emergecy isurace is desiged to complemet your home isurace ad provide beefits ad services, which are ot ormally available uder home isurace. However, please remember this is ot a home maiteace cotract ad it is ot iteded to cover routie home maiteace which you should carry out or pay for (such as servicig of your cetral heatig system) ad the replacemet of parts that ted to wear out over a period of time. The isurace covers the cost of emergecy assistace as a result of a emergecy at your home, which occurs withi the period of isurace stated o your schedule ad as log as you keep to the policy coditios. How to claim Cotact our home emergecy claim umber o as soo as you discover the emergecy ad please have your home isurace policy umber available whe you call. The service is available 24 hours a day, 365 days a year. If a emergecy could result i serious damage or dager you should immediately report it to the gas, electricity or water compay, the local authority or the emergecy services. If you smell gas or discover a leak, you should call Natioal Grid o Defiitios Wherever these defiitios appear i this home emergecy sectio, they have the followig meaig ad are i additio to the defiitios show at the begiig of this documet of isurace. Approved repairer A perso, compay or orgaisatio we authorise to carry out repair work. Beyod ecoomical repair Whe the cost of repairig your boiler is more tha the cost of replacig it or if replacemet parts are ot readily available. Draiage system Draiage pipes ad sewers that you have legal resposibility for withi the boudaries of the home or beyod the boudary that do ot joi a public sewer. Emergecy A sudde ad uforesee icidet at your home which, if ot dealt with quickly, will: make your home usafe or isecure; cause damage to your home ad/or its cotets; or leave your home without essetial services. Emergecy assistace Work carried out by a approved repairer to resolve the immediate emergecy. This may ivolve a temporary or permaet repair. 21 DOCUMENT OF INSURANCE HOME

23 Essetial services The draiage system, mai heatig system, iteral gas, electricity or water supply where o reasoable alterative exists ad the service is ecessary to prevet a emergecy. Home maiteace Work you must arrage ad pay for to maitai your property i good coditio ad keep ay systems ad appliaces i good workig order, ad which is ot covered uder this home emergecy isurace. A regular boiler service i accordace with the maufacturers guidelies will help to prevet a emergecy occurrig. Examples of home maiteace iclude: servicig your mai heatig system icludig the cost of parts ad labour required as a result of ay service; the cost of power flushes to remove sludge or corrosio from a mai heatig or iteral plumbig system; the cost of ay test, survey or search required to trace ay fault after we have resolved the immediate emergecy by completig a temporary repair; the cost of updatig or improvig the home s essetial services such as replacig lead pipes, re-wirig (icludig replacemet fuse boxes or cosumer uits); the cost of removig debris from gutters ad drai pipes; the cost of replacemet parts or materials that ted to wear out over a period time such as roofig materials, tap washers, mixer valves ad shower pumps. Iteral plumbig Water supply pipes ad taps beyod the mais stopcock, icludig storage taks, ad saitary ware (e.g. baths, basis ad toilets) that you have legal resposibility for ad that are withi your home, but ot udergroud water supply pipes. Mai heatig system The mai hot water or cetral heatig system i the home that you have legal resposibility for. But ot: boilers over 15 years old; warm air, solar or uder-floor systems; oil fired, LPG or propae systems. Permaet repair Work eeded to put right ay loss or damage to the home caused by the emergecy. Where possible, we will look to complete a permaet repair if this ca be carried out durig the same visit ad at a similar cost to a temporary repair. However, there will be times whe this wo t be possible such as: where a permaet repair ivolves home maiteace, which you must arrage ad pay for; where the loss or damage is ot covered uder this home emergecy sectio, for example, repairs to a damaged ceilig ad cotets followig a burst pipe; ay loss or damage to decoratios, fixtures, fittigs ad outside surfaces such as paths, drives ad patios, which are disturbed, removed or replaced i the process of providig emergecy assistace. DOCUMENT OF INSURANCE HOME 22

24 You may be able to claim these costs back if the loss or damage is covered uder your home isurace. We will advise you if you eed to make a home isurace claim ad help you through this process. Temporary repair A repair that will resolve the immediate emergecy but may eed to be replaced by a permaet repair. Pests Bees, wasps, horets, rats, mice, squirrels. What is covered I the evet of a emergecy at your home, we will: tell you how to protect yourself ad your home before help arrives; orgaise ad pay for a approved repairer to provide emergecy assistace, up to a maximum of 500 (icludig call out, parts, labour ad VAT) for ay oe emergecy. We will pay for emergecy assistace for the followig isured evets: 1. Heatig. Failure of the mai heatig system i your home, but ot: boilers over 15 years old; warm air, solar or uder-floor systems; oil fired ad LPG or propae systems; boilers that have ot bee serviced withi the last three years. If the approved repairer determies that failure has occurred as a direct result of the boiler ot beig serviced withi the last three years, we will ot pay the cost of ay parts ad labour costs required to fit them; the cost of replacig water storage taks, cylider taks, outside overflows, showers (icludig mixer valves ad shower pumps), radiators, storage or pael heaters; breakdow, loss or damage to domestic appliaces or udergroud water supply pipes; ay fault that does t result i a failure of the mai heatig system, such as oisy pipe work or where a timer has failed, but where hot water ad heatig are still available; repair of a boiler that is beyod ecoomical repair. I this situatio, we will esure your home is safe ad, if required, the approved repairer will provide you with a quotatio for a suitable replacemet. We will also pay you up to 500 towards the cost of replacig your boiler, providig the curret boiler has bee serviced withi the last three years. 2. Iteral plumbig ad draiage system. Damage to or failure of iteral plumbig ad draiage system at your home, but ot: the cost of repairig or replacig ay mai heatig system compoet, which may be covered uder sectio 1 Heatig; leakig or drippig taps or showers that eed a ew washer; the cost of replacig water storage taks, cylider taks, outside overflows, macerators, showers (icludig mixer valves ad shower pumps), radiators ad saitary ware (e.g. baths, basis ad toilets); breakdow, loss or damage to domestic appliaces, or udergroud water supply pipes; a shared draiage system where it jois the public sewer. 23 DOCUMENT OF INSURANCE HOME

25 3. Electrical system. Failure of the permaet electrical system that you have legal resposibility for from the electric meter i your home to fuse boxes, sockets, switches ad light fittigs. But ot: the failure of a sigle light or socket uless the failure is i a kitche or bathroom or the fault has caused the whole circuit to fail; the cost of repairig or replacig ay mai heatig system compoet, which may be covered uder sectio 1 Heatig; the cost of replacig macerators, radiators, showers (icludig shower pumps), storage or pael heaters; the cost of replacig light bulbs or decorative light fittigs; wirig for telephoes, TV aerials, satellites or cable services; failure of burglar alarm systems or CCTV equipmet; breakdow, loss or damage to domestic appliaces. 4. Iteral gas supply. Failure of the iteral gas supply that you have legal resposibility for from the gas meter i your home to oe or more appliaces, but ot: the cost of repairig or replacig ay mai heatig system compoet, which may be covered uder sectio 1 Heatig; breakdow, loss or damage to domestic appliaces. 5. Roofig. Sudde ad uexpected roofig problems such as leaks or tiles blow off durig a storm or bad weather, but ot: where there is o immediate risk of iteral damage to the home or its cotets such as where oly dampess is preset; where the approved repairer is ot able to idetify where water is eterig your home ad there is o visible damage to the roof. Emergecy assistace may ivolve a temporary repair such as fittig a tarpauli to prevet water eterig your home. Please ote that you may have to arrage ad pay for home maiteace work i order to complete a permaet repair. If the loss or damage is covered uder your home isurace such as storm damage, you may be able to make a claim for the costs of a permaet repair. 6. Loss of keys. Where the keys to your home have bee lost or stole ad you are t able to gai access to it. The approved repairer will help you get back ito your home ad replace ay locks damaged i the course of gaiig etry, or ay locks where the oly key has bee lost or stole. 7. Home security. Broke or damaged widows ad doors that compromise the security of your home or prevet you from gaiig access. But ot loss or damage to boudary walls, gates, hedges or feces. The approved repairer will make your home safe ad replace ay glass or locks that have bee broke or damaged. 8. Pest ifestatio. Assistace with the removal of pests from your home, but ot if you have ot followed the approved repairer s recommedatios o prevetig ad cotrollig pests. DOCUMENT OF INSURANCE HOME 24

26 Geeral exclusios home emergecy (see also the Geeral exclusios which apply to the whole policy) We will ot pay: ay emergecy which happes before cover starts, or arises as a result of circumstaces kow to you before cover starts; the cost of emergecy assistace before we have accepted a claim; a emergecy if your home has bee uoccupied for more tha 60 days i a row; the cost of emergecy repairs to a property that you ret out or let; a emergecy arisig from the discoectio, iterruptio or breakdow of the gas, water or electric supply caused by or the resposibility of ay public service compay, or ay equipmet they are resposible for; ay subsequet claim relatig to the same problem where home maiteace has ot bee carried out i order to prevet the emergecy recurrig; ay home maiteace which you should carry out or pay for (such as servicig of the mai heatig system); the replacemet of parts or materials that ted to wear out over a period of time such as roofig materials, tap washers, mixer valves ad shower pumps; the cost of further work if our approved repairer has resolved the immediate emergecy by completig a temporary repair; the cost of repairs more specifically isured elsewhere i this documet of isurace or ay other policy; ay wilful or egliget act by you, your family or ay residet(s). 25 DOCUMENT OF INSURANCE HOME

27 Geeral coditios home emergecy (see also the Geeral coditios which apply to the whole policy) You must: cotact us o as soo as you discover the emergecy; take all reasoable steps to prevet loss, damage or breakdow ad to keep the home, its systems ad appliaces i good workig order; esure ay ecessary permaet repair is completed as soo as possible followig a temporary repair carried out by the approved repairer i order to prevet a future emergecy. If you do ot do this, you may ot be fully covered; provide us with evidece such as a service record, receipt or ivoice if we require you to cofirm that your boiler has bee serviced withi the last three years. If you are uable to supply this ad the approved repairer determies that the boiler has ot bee serviced withi the last three years, we will ot make ay paymet if your boiler is deemed beyod ecoomical repair. Replacemet parts While we will do our utmost to source replacemet parts, there may be times whe parts are delayed because of circumstaces beyod our cotrol. I these cases we may ot be able to avoid delays i repair. Our approved repairer may use parts that do ot exactly match the origials that have failed i order to complete a temporary repair. If you request parts that are of a superior specificatio to the origial oes fitted, you will be resposible to pay for the icreased costs ivolved. There may also be occasios where parts are o loger readily available. For boiler claims, this may mea that your boiler will be declared beyod ecoomical repair. I these situatios we will esure your home is safe ad, if required, the approved repairer will provide you with a quotatio for a suitable replacemet. You are resposible to pay the costs to replace ay system or appliace. Cotributio towards a ew boiler I the evet that your boiler is declared beyod ecoomical repair we will advise you to replace it ad will cotribute 500 towards the cost of the ew boiler, providig the curret boiler has bee serviced withi the last 3 years. You are resposible for arragig ad payig the cost of the replacemet. Cover uder sectio 1 Heatig will ot be i force util your curret boiler has bee replaced. Claims that are ot covered If the cost of emergecy assistace exceeds the limit of cover, or if a claim is ot covered uder this sectio, we will still offer you assistace, but you will be resposible for payig the approved repairer s charges. However, you may be able to claim these costs back if the damage is also covered uder the buildigs or cotets sectios of this documet of isurace. We will tell you if you eed to make a home isurace claim ad help you through this process. DOCUMENT OF INSURANCE HOME 26

28 Please ote that our approved repairer may be uable to restore a essetial service because of wear ad tear, lack of servicig or maiteace or faulty workmaship. This is commo, for example, i mai heatig systems where the build-up of sludge ad corrosio ca cause failure. I these situatios, we will esure your home is safe ad, if required, the approved repairer will provide you with a quotatio for home maiteace work. Repairers appoited by you (Chael Islads, Isle of Ma, Scilly Isles, Scottish Islads oly). Where possible we will try to appoit oe of our approved repairers to provide emergecy assistace as soo as we ca. However, if it s easier for you to appoit your ow repairer, we will allow you to do this providig you have called us first to agree that your claim is covered. We will pay you the cost of obtaiig emergecy assistace up to a maximum of 500 (icludig call out, parts, labour ad VAT) for ay oe emergecy. Where you choose your ow repairer, the cotract for services will be betwee you ad your chose repairer. I these cases, we ca t be held resposible for ay shortfall i the service they provide. Cacellatio of cover We have the right ot to pay your claim ad or cacel your home emergecy cover if you have used the service excessively or ureasoably. For example if you have ot followed the advice of the approved repairer or esured the completio of ay ecessary permaet repair or home maiteace followig a temporary repair carried out by the approved repairer. If we cacel your cover, we will write to you explaiig our reasos why ad give you 7 days otice before this sectio of cover is removed. We will otify you withi your reewal quote if we decide to remove this sectio of cover from the reewal of your policy. 27 DOCUMENT OF INSURANCE HOME

29 Geeral exclusios These Geeral exclusios apply to the whole cotract of home isurace ad they will apply i additio to the exclusios show i each sectio of this documet of isurace. 1. Chages i circumstaces otificatio ad acceptace This isurace wo t apply uless: you ve told us about ay chage as listed i Geeral coditios; ad we ve agreed to provide cover ad have issued a schedule, where appropriate. 2. We will ot pay for: ay reductio i value; ay loss or damage which results idirectly from aythig isured by this policy; ay idirect loss such as loss of earigs or travel expeses; the removal of tree stumps or their roots, where we have agreed to remove ay falle trees or braches; caravas, mobile homes or ay commercial premises; loss or damage deliberately caused by you or your family, or ay other persos residig i your home; ay direct or idirect loss or damage caused as a result of your home beig used for illegal activities by you or your family; loss or damage to ay items used i coectio with ay busiess, trade or professio, except office equipmet i the home, or items specifically isured for busiess use as persoal possessios; ay claim arisig from: aythig which happes gradually icludig deterioratio or wear ad tear, settlemet or shrikage; mildew, fugus, climatic or atmospheric coditios, frost, wet or dry rot; ay process of cleaig, repair or alteratio; damage by isects; electrical or mechaical failure or breakdow (ot applicable to home emergecy); faulty desig, materials or workmaship; computer viruses; war, civil war, terrorism (by uclear ad/or chemical ad/or biological ad/or radiological meas), rebellio or revolutio; ay loss, damage, liability or cost directly or idirectly caused by: radiatio or cotamiatio from uclear fuel or uclear waste or from the burig or explosio of uclear fuel; the radioactive, toxic, explosive, hazardous or cotamiatig properties of ay uclear istallatio, reactor, or other uclear assembly or its compoet part; ay weapo or device usig atomic or uclear fissio or fusio or radioactive force or matter. DOCUMENT OF INSURANCE HOME 28

30 Geeral coditios We will oly provide cover uder this policy if you ad ay other perso covered by this isurace meet all the terms ad coditios i this documet of isurace icludig those show o your schedule. 1. Care of your property You or ay perso i charge of your property must take care to: maitai your property i good coditio; ad protect your property from damage or loss; ad recover lost property. You must give us or our agets access to examie your property. 2. Your resposibility to provide correct iformatio Whe applyig for, amedig or reewig this isurace, you must aswer all questios truthfully to the best of your kowledge, icludig questios that apply to ay other perso covered by this isurace. Your schedule shows the aswers you have provided ad you must let us kow if ay of the details are icorrect as soo as possible after receivig your documets. At reewal, you must also let us kow if ay of the iformatio has chaged, icludig ay claims or covictios for you ad/or ayoe isured uder your policy. Chages you eed to tell us about durig the period of cover You must tell us about the followig as soo as possible: you move house; you start a busiess from home; you chage the use of your home e.g. you ret it out; you are havig buildig work doe; the umber of bedrooms i your home chages; you icrease your cotets cover from what is show o your schedule; you leave your home uoccupied for more tha 60 days i a row. You wo t be covered followig the above chages uless we ve agreed to provide cover ad issued a schedule, where appropriate. This meas that, if you do t tell us, we may reject ay claim or reduce the amout of paymet we make. Where we agree to your chage this may result i a additioal or retur premium ad may be subject to a admiistratio fee. Please refer to your schedule for details of charges that may apply. If your chage of circumstaces mea that we ca o loger provide cover, we ll give you otice of cacellatio. Please see Geeral coditios, our rights to cacel your isurace. Documets ad iformatio you may eed to sed us You must sed us ay documet or iformatio that we may require to help us validate your details. Examples of documets or iformatio we may require iclude proof of your address ad a copy of your utility bill. 29 DOCUMENT OF INSURANCE HOME

31 3. Misrepresetatio ad fraud If you or ayoe represetig you: provides us with misleadig or icorrect iformatio to ay of the questios asked whe applyig for, amedig or reewig this isurace; deliberately misleads us to obtai cover, gai a cheaper premium or more favourable terms; we may: provides us with false documets; makes a claim or part of ay claim that is fraudulet, false or exaggerated; makes a fraudulet paymet by bak accout ad/or card; agree with you to amed your policy to record the correct iformatio, apply ay relevat policy terms ad coditios ad collect ay additioal premium due icludig ay admiistratio costs; reject a claim or reduce the amout of paymet we make; cacel or void your policy (treat it as if it ever existed), icludig all other policies which you have with us, ad apply a cacellatio charge. Where fraud is idetified, we will also: ot retur ay premium paid by you; recover from you ay costs we ve icurred; pass details to fraud prevetio ad law eforcemet agecies who may access ad use this iformatio. 4. Accidet ad claims procedure You or ay other perso claimig uder this isurace must: give us full details of the icidet as soo as possible; sed to us immediately all commuicatios for other people ivolved which must ot have bee replied to; immediately tell us of ad sed to us ay otice of iteded prosecutio, iquest, fatal iquiry or ay writ, summos or process which must ot have bee replied to; provide us with iformatio relevat to your claim that we may require to help us validate ad process your claim such as purchase receipts, valuatios, photographs ad reports; help us to pursue a recovery (where applicable) agaist a third party; tell the police immediately whe property is lost, stole or maliciously damaged ad provide us with the Crime referece umber; tell us if ay lost or stole property is subsequetly recovered. You or ay other perso must ot, without our permissio: egotiate or admit resposibility; or make ay offer, promise or paymet; or make your ow arragemets for repair or replacemet. DOCUMENT OF INSURANCE HOME 30

32 We will be etitled to: have total cotrol to carry out, defed ad settle ay claim; take proceedigs i your ame or i the ame of ay other perso claimig uder this isurace, at our ow expese ad for our ow beefit to recover ay paymet we have made. 5. Other isuraces If ay loss, damage or liability is covered by this isurace ad is also covered by ay other isurace, we ll oly pay our share. 6. More tha oe home If more tha oe home is isured ad show o your schedule, the documet of isurace shall apply as if each is separately isured. The limit of cover for each is show i your effective schedule. 7. Cacellatio Our rights to cacel your isurace We ll cacel your isurace by givig you 7 days otice if: you do t pay the premium or a istalmet whe we have otified you that the outstadig amout is required by a specific date; you or ayoe else covered by this isurace has t met the terms ad coditios i this documet of isurace icludig those show o your schedule; a chage i your circumstaces meas that we ca o loger provide cover; we idetify misrepresetatio or fraud or ay attempt to gai a advatage uder this isurace to which you re ot etitled, see Geeral coditios; you behave i a maer that makes it iappropriate for us to cotiue your isurace, e.g. if you harass or show abusive or threateig behaviour towards our staff. Our cacellatio letter will be set to your last kow address ad cofirm the reaso for cacellatio. The isurace will ed immediately the 7 days otice rus out. But if you ve just take out the policy or reewed with us ad the premium is upaid, we ll cacel your isurace from the start/reewal date. We ll refud the balace of your premium that applies to the remaiig period of cover uless fraud has bee idetified. If a refud is paid, a cacellatio charge will be deducted from the refud. If a claim has bee made, we ll cacel your cover but may ot refud ay premium. If you re payig by istalmets, you must still pay us the balace of the full aual premium. Your rights to cacel your isurace Up to 14 days after you receive your documets At the start of your isurace, whe you receive your documets, you have 14 days to check you re happy with the isurace cover you ve bought. If the cover does t meet your eeds, you ca cacel your isurace by tellig us. If you do this withi 14 days of receivig your documets, we ll refud ay moey you ve paid less a charge for the cover you ve had ad a cacellatio charge will apply for settig up the policy. A charge wo t be made if you cacel before the cover start date. 31 DOCUMENT OF INSURANCE HOME

33 More tha 14 days after you receive your documets After the iitial 14 days, if you ve ot made a claim, we ll refud ay moey you ve paid, less a charge for the cover you ve had ad a cacellatio fee will apply. If you ve made a claim o refud will be paid. Please refer to your schedule or policy summary for details of the charges that apply. Cacellatio at reewal We ll sed you a reewal ivitatio 3 weeks before your reewal date. This will show your reewal premium ad ay chages to your isurace policy. If you have t chose our cotiuous paymet optio, you must cotact us before your reewal date to cotiue with your isurace policy. If you ve chose our cotiuous paymet optio, we ll automatically reew your isurace policy before it expires. As part of our reewal process your debit or credit card provider will tell us your ew card umber if it has chaged. If you do t wat to reew or your credit card provider has chaged please cotact us before your reewal date. If you reew, whether or ot uder the cotiuous paymet optio, but the decide to cacel, provided you tell us before your reewal date, we ll refud what you ve paid i full. If you cacel after your reewal date has passed you will be charged i lie with the cacellatio rules explaied o your schedule ad policy summary. If you are due a refud, we ll sed this to you withi 30 days of you tellig us that you d like to cacel. Reewal of your policy We reserve the right ot to ivite the reewal of your policy. Isurace premiums All premiums iclude isurace premium tax where applicable. You may also have to pay other taxes or costs, for example if the premium is reimbursed by a employer it may be classed as a taxable beefit i kid. If so you ll eed to pay this tax or cost yourself. 8. Premium paymet by istalmets if you agree to pay your premium by mothly direct debit or a similar arragemet you must pay ay deposit we ask for ad make sure your istalmet paymets are kept up to date; if you make a claim, we may deduct ay outstadig amouts due to us before payig the claim. 9. Admiistratio charges We ll apply a charge to cover our admiistratio costs i certai circumstaces. Please refer to your schedule for details of the charges. This charge will be added to ay premium due or deducted from ay refud due i respect of the amedmet to your isurace. DOCUMENT OF INSURANCE HOME 32

34 How we use your persoal iformatio Data Protectio Act 1998 ad Isurace Admiistratio This iformatio explais how we may use your details ad tells you about the systems we use that allow us to detect ad prevet fraudulet applicatios ad claims. The savigs that we make help us to keep premiums dow. How we may use your persoal data is cotrolled by the requiremets of the Data Protectio Act Liverpool Victoria Isurace Compay Limited is registered for the purpose of processig persoal data. Iformatio provided will be used to offer you a quote ad for the admiistratio of your policies icludig reewal. It may also be used for research ad aalysis. We may obtai iformatio from or exchage it with other orgaisatios to assist with the validatio of your details ad assess isurace risk. We may also ask you to provide evidece. Iformatio you provide, we obtai or exchage may be held o computer, paper file or other format, whether or ot you purchase a policy. We ll hold this iformatio for a reasoable time to esure we have a clear ad complete history of Isurace equiries, applicatios, policy records ad trasactios. We ad our agets (e.g. service providers that we have agreemets with both withi ad outside the Europea Ecoomic Area) may use this iformatio (some of which may be sesitive data) to process ad admiister your isurace. It may also be used or disclosed to regulators to moitor ad eforce our compliace with ay regulatio. Occasioally, your persoal iformatio may be disclosed to selected third parties who are helpig us improve our service. If you give us your credit card, debit card or bak details we may use it to automatically reew your isurace. We ll oly do this where you say we ca. If your details have bee obtaied through oe of our affiity associatios we may pass some of your iformatio, icludig policy details ad ogoig iformatio, to that affiity orgaisatio for membership, busiess aalysis ad other relevat purposes. If you move to a ew isurer we may cofirm certai details about your isurace to them. We ll oly do this if we re sure it s a geuie request. If we receive a request for policy iformatio by a idividual other tha you we ll check that you have give permissio to do this. We wo t use sesitive persoal data for marketig purposes. Credit Search ad Idetity check We use iformatio obtaied from credit referece agecies who will check the details supplied agaist ay database, public or otherwise. This helps us to cofirm your idetity, allows us to give you a quote ad decide which paymet optios we ca offer you, for example, payig mothly. You ll see a record of this Credit search if you request a Credit Report. No other orgaisatio who may coduct credit searches will be able to see it. 33 DOCUMENT OF INSURANCE HOME

35 If we coduct a Idetity check a record of this will be retaied by the credit referece agecies ad may be provided to other orgaisatios to assist with verificatio ad idetificatio purposes. You ll see a record of this Idetity check if you request a Credit Report. These searches wo t affect your credit record or credit ratig i ay way. You ca request your Credit Report from ay credit referece agecy. Policy discouts We provide discouts (e.g. multi-product discout) i certai circumstaces where there is more tha oe isurace held with us at the same address ad we may validate ay discouts agaist these isuraces. This could result i ayoe else livig at your address who has a isurace with us, beig made aware that someoe else at your address, icludig you, has isurace with us. Previous claims If asked, you must tell us about ay claim (eve if it was t your fault). Whe you tell us we ll pass iformatio about it to various databases. We may search these databases: whe you apply for isurace; if you have a claim; at reewal. We ll do this to validate your claims history or that of ay other perso or property likely to be ivolved i the isurace or claim. Fraud prevetio ad detectio We ll check your iformatio agaist a rage of registers ad ati-fraud databases for completeess ad accuracy. We may also share your iformatio with law eforcemet agecies, other orgaisatios ad public bodies. If we fid that false or iaccurate iformatio has bee give to us, or we suspect fraud, we ll take appropriate actio. If fraud is idetified, details will be passed to fraud prevetio agecies. Law eforcemet agecies may access ad use this iformatio. We ad other orgaisatios, icludig those from other coutries, may also access ad use this iformatio to prevet fraud ad moey lauderig, for example, whe: checkig details o applicatios for credit ad credit related or other facilities; maagig credit ad credit related accouts or facilities; recoverig debt; checkig details o proposals ad claims for all types of isurace; checkig details of job applicats ad employees. Please cotact us at GFC, LV=, Couty Gates, Bouremouth, BH1 2NF if you wat to receive details of the registers ad fraud prevetio agecies. Tellig you about other products ad services Uless you ve idicated otherwise, your iformatio may be used by us ad other carefully selected orgaisatios to keep you iformed of other products ad services that may be of iterest to you. You may be cotacted by post, telephoe or other appropriate meas. If you d rather ot receive such iformatio please write to CCA Departmet, LV=, Couty Gates, Bouremouth, BH1 2NF. DOCUMENT OF INSURANCE HOME 34

36 Access to the persoal iformatio we hold about you Subject to paymet of a fee, you ca ask for a copy of the persoal iformatio we hold about you by writig to the CCA Departmet, LV=, Couty Gates, Bouremouth, BH1 2NF. The law that applies to your isurace The law of Eglad ad Wales applies to your cotract with us. Commuicatios All commuicatios will be i Eglish. You ca get this ad other documets from us i Braille, large prit or audiotape by cotactig us. Calls may be recorded for traiig ad moitorig purposes. 35 DOCUMENT OF INSURANCE HOME

37 Home Isurace Customer Services Mo-Fri 8am-9pm, Sat 8am-5pm, Su ad bak holidays 9am-5pm To make a claim 24 hours a day, 365 days a year Domestic Emergecy Assistace Helplie 24 hours a day, 365 days a year Legal Advice Helplie 24 hours a day, 365 days a year Idetity Fraud Assistace Helplie 24 hours a day, 365 days a year For Text Direct: dial first. Calls may be recorded for traiig ad moitorig purposes You ca get this ad other documets from us i Braille, large prit or o audiotape by cotactig us. LV= ad Liverpool Victoria are registered trade marks of Liverpool Victoria Friedly Society Limited ad LV= ad LV= Liverpool Victoria are tradig styles of the Liverpool Victoria Group of compaies. Liverpool Victoria Isurace Compay Limited, registered i Eglad ad Wales umber is authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority, register umber Registered address: Couty Gates, Bouremouth BH1 2NF. Tel: /15 ENHH1Z