Landlord s Choice Value Policy document. Buildings and contents insurance

Transcription

1 Landlord s Choice Value Policy document Buildings and contents insurance

2 Your Landlord s Choice Value Insurance Policy Your policy provides cover for the sections and the period of insurance shown in your policy schedule. Cover under this is underwritten by Gravity Underwriting Limited on behalf of Liberty Mutual Insurance Europe Limited, 3rd Floor, No 2 Minster Court, Mincing Lane, London, EC3R 7YE; and is administered and serviced by Bluefin Insurance Services Limited (Bluefin). This policy is an agreement between you (the person shown in your policy schedule as the insured) and Insurers (Liberty Mutual Insurance Europe Limited). It is based on the information you gave in a proposal form or statement of facts and your agreement to pay the premium. The contract does not give, or intend to give, rights to anyone else. No-one else has the right to enforce any part of this contract. Insurers or their appointed agents may cancel or change any part of the contract without getting anyone else s permission. This document and the policy schedule and property schedule set out what is and what is not covered, together with the sum insured and any special terms that may apply. They all form the contract of insurance between you and Insurers and should be read together. Please check that they meet your needs and that you understand them. If you have any questions about these documents, please contact the insurance advisor who arranged the policy for you, who will be pleased to help you. Your cancellation rights If you decide that you do not want to accept the policy or any future renewal of the policy, tell Insurers or their appointed agents (or your insurance advisor) of your decision in writing or by phone using the contact details provided on the covering letter within 14 days of receiving the policy (or for renewal, within 14 days of your policy renewal date). If no claims have been made we will refund the premium you have paid. If a claim is made Insurers will charge you for the days they have been on cover (applying a minimum charge of 15 plus insurance premium tax) and refund the remainder of the premium you have paid. You may cancel the policy at any other time by telling Insurers or their appointed agents, either in writing or on the phone. Insurers or their appointed agents may cancel your policy by giving you 7 days written notice to your last known address, and will give you a refund in proportion to the time left until your current period of insurance is due to run out (as long as you have not made a claim). This policy is signed under agreement No RBA in accordance with the authority granted by Gravity Underwriting Limited to Bluefin Insurance Services Limited 2

3 We aim to provide a first-class service If you need to complain, or you feel that we have not kept our promise, please contact the insurance advisor who arranged the policy for you, as they will generally be able to provide you with an immediate response to your complaint. If they are unable to sort out your complaint, you can contact Bluefin at Bluefin Insurance Services Limited 26 Lockyer Street Plymouth PL1 2QW You can telephone on or landlordschoice@bluefingroup.co.uk After this action if you are still not satisfied with the way a complaint has been dealt with, you should direct your enquiry to: The Managing Director Gravity Underwriting Limited Lloyd s Avenue London EC3N 3AL Tel: If you are still unhappy with any issue connected with the handling of your insurance policy or claim then you should direct your enquiry to: The Compliance Officer Liberty Mutual Insurance Europe Limited 3rd Floor, No 2 Minster Court, Mincing Lane, London EC3R 7YE Tel: If Insurers or Bluefin are unable to resolve a complaint to your satisfaction within 8 weeks, or you remain dissatisfied following receipt of their final response letter, you can ask the Financial Ombudsman Service (FOS) to formally review your case. You must contact the FOS within 6 months of a final response letter. The FOS contact details are: The Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Helpline: Financial Services Compensation Scheme (FSCS) Insurers and Bluefin Insurance Services Limited are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if Insurers or Bluefin cannot meet their obligations. This depends on the type of business and the circumstances of the claim. For compulsory classes of insurance, the advising and arranging of insurance is covered for 100% of the claim. For other classes of insurance, the advising and arranging of insurance is covered for 100% for the first 2000 of a claim and 90% of the remainder of the claim. There is no upper limit. Further information about the compensation scheme is available from the FSCS Financial Services Compensation Scheme 7th Floor Lloyds Chambers Portsoken Street London E1 8BN. Telephone: Fax: enquiries@fscs.org.uk Website: 3

4 Making a Claim To make a claim you should first contact the insurance advisor who arranged the policy for you. You may also ring Bluefin on When you contact your insurance advisor or Bluefin about a claim you will need to confirm: your name and address the place where the loss or damage occurred what caused the loss or damage what loss or damage has actually occurred. If your claim is a Theft or Malicious Damage loss, you should also inform the Police immediately. For existing claims, advice and assistance contact Bluefin on the above number Monday to Friday 9.00 am to 5.00 pm Definitions Certain words have specific meanings when they appear in this policy. These meanings are shown below or in the section where they apply. They are printed in bold type. Domestic Employees domestic staff, cleaner, gardener, caretaker, or any occasional employee undertaking repairs or decorations in connection with the buildings covered by this policy, employed by you. Excess the first amount of any claim for which you are responsible. Garden the flowerbeds, lawns, plants, shrubs or trees, ornaments or statues in the garden with the boundaries of the buildings. Private residence let domestic property consisting of individual: houses; bungalows; maisonettes; flats; purpose built flats, or apartment blocks Unoccupied/Unoccupancy if the private residence is either: not permanently lived in by you, a tenant, or a person you have authorised; or without enough furniture for normal living purposes. Vehicles and craft any electrically-or mechanically-powered vehicles, caravans, trailers, watercraft including surfboards, hovercraft, aircraft, all terrain vehicles or quad bikes (but not domestic gardening equipment, battery-operated golf trolleys or wheelchairs, battery or pedestrian-operated models or toys). Insurers / We / Us / Our Gravity Underwriting Limited Classification of tenancy types Your policy schedule or property schedule will show the tenancy type you have selected for the property insured. You must tell us if any of the information, (including the tenancy type) on which this insurance is based changes see policy condition 7. P Professional and working or retired families Individual, self contained accommodation, let for a minimum of 6 months, tenanted by: a family unit; a single person; two people sharing. 4

5 Who are gainfully employed or retired. Provided that the tenancy agreement is between the Tenant and the Landlord or their appointed Letting Agent. Excludes: holiday lettings; asylum seekers or refugees S Students Individual, self contained accommodation, let for a minimum of 6 months, tenanted by: students. Provided that the tenancy agreement is between the Tenant and the Landlord or their appointed Letting Agent. Excludes: holiday lettings; asylum seekers or refugees G Government benefits Individual, self contained accommodation, let for a minimum of 6 months, tenanted by: persons in receipt of Government benefits or not gainfully employed. Provided that the tenancy agreement is between the Tenant and the Landlord or their appointed Letting Agent. Excludes: holiday lettings; asylum seekers or refugees W Standard risk Individual or shared accommodation, tenanted by: working persons; retired persons; students; persons in receipt of Government benefits. Provided that the tenancy agreement is between the Tenant and the Landlord or their appointed Letting Agent. Excludes: holiday lettings; asylum seekers or refugees D DSS referrals Individual or shared accommodation tenanted by: working persons; retired persons; students; persons in receipt of Government benefits. Where the contract to house is other than between the Landlord and the Tenant. Excludes: holiday lettings; asylum seekers or refugees 5

6 B Bed-sits Accommodation with individual cooking arrangements i.e. cooking in rooms, tenanted by: working persons; retired persons; students; persons in receipt of Government benefits. Where the tenancy agreement is between the Tenant and the Landlord or their appointed Letting Agent or where the contract to house is other than between the Landlord and the Tenant. Excludes: holiday lettings; asylum seekers or refugees. A DSS referrals including asylum seekers or refugees Individual or shared accommodation, tenanted by: working persons; retired persons; students; persons in receipt of Government benefits. Where the contract to house is other than between the Landlord and the Tenant. Excludes: holiday lettings. H Holiday lets Individual or shared accommodation, tenanted by: working persons; retired persons; students; persons in receipt of Government benefits. Provided that the tenancy agreement is between the Tenant and the Landlord or their appointed Letting Agent. Excludes: asylum seekers or refugees Buildings Buildings are: the main structure or the risk address shown in your policy schedule or property schedule, including its permanent fixtures and fittings if they are your property; domestic outbuildings, private garages, including garages on nearby sites that form part of the risk address shown on the policy schedule or property schedule; ornamental ponds or fountains, swimming pools and tennis courts; central-heating fuel tanks, cesspits and septic tanks; fences, gates, hedges, lampposts, railings and walls; drives, paths, patios and terraces; communication aerials and closed circuit surveillance equipment including piping, ducting, cables, wires and associated control gear and accessories on the premises and extending to the public mains, but only to the extent of your responsibility. Fitted carpets unless insured under Landlord s Business Contents but not satellite television-receiving equipment or television and radio aerials 6

7 Events We cover sudden and unexpected loss of or physical damage to the buildings caused by events 1 to 13, 15 to 20 (and 14 if accidental damage is shown as included in your policy schedule or property schedule). Event Exclusions 1 Fire, lightning, explosion or earthquake 2 Riot property schedule unoccupied for more than 60 consecutive days (see condition 10 Unoccupancy). The first 2,500 of loss or damage if caused by you, the tenant or others lawfully on the premises. 3 Malicious Damage unoccupied for more than 60 consecutive days (see condition 10 Unoccupancy). The first 2,500 of loss or damage if caused by you, the tenant or other person(s) lawfully on the premises. 4 Aircraft, animals or vehicles hitting the buildings. 5 Storm or flood Loss or damage to fences, gates, hedges or railings. Loss or damage caused only by a change in the water table. 6 Theft or attempted theft Loss if caused by deception. unoccupied for more than 60 consecutive days (see condition 10 Unoccupancy) The first 2,500 of loss or damage if caused by you, the tenant or other person(s) lawfully on the premises. 7 Subsidence or ground heave of the site that the buildings stand on or landslip Loss or damage from the coast or a river bank being worn away. Loss or damage when the main structure of the private residence, private garages or domestic 7

8 outbuildings are not damaged at the same time and by the same cause. Loss or damage to solid floor slabs, unless the foundations of the load-bearing walls are damaged at the same time by the same cause. Loss or damage from settlement, shrinkage or expansion, demolition, faulty workmanship or faulty design. 8 Water leaking from any fixed appliance or damage caused to these items by freezing or violent bursting 9 Falling Trees or branches, lampposts or telegraph poles. unoccupied for more than 60 consecutive days (see condition 10 Unoccupancy). Damage to or fences, gates, hedges or railings. Damage caused by felling, lopping or topping The cost of removal if the fallen tree has not damaged the buildings. 10 Oil leaking from any fixed appliances, pipe or tank unoccupied for more than 60 consecutive days (see condition 10 Unoccupancy). 11 Accidental breakage of fixed glass, fixed sanitary ware or ceramic hobs in fixed kitchen furniture unoccupied for more than 60 consecutive days (see condition 10 Unoccupancy). 12 Breakage or collapse of satellite television receiving equipment, or television and radio aerials 13 Accidental Damage to cables and underground pipes serving the buildings for which you are responsible. 14 Accidental Damage to the buildings. Loss or damage to tiles This is an optional extension and cover only applies if shown as included in the policy schedule or Any loss or damage we exclude under events 1 8

9 to 13. unoccupied for more than 60 consecutive days (see condition 10 Unoccupancy). The costs of maintenance or normal redecoration. Loss or damage due to settlement, shrinkage or expansion. 15 Loss of rent or alternative accommodation. If the buildings are not fit to live in following loss or damage covered by this section we will pay the reasonable cost of similar alternative accommodation up to 2 years ground rent which you have to pay OR rent which would have been paid to you by an existing tenant or tenants This will apply during the time needed to restore the Buildings to a condition which is fit to live in. The most we will pay is 20% of the buildings sum insured. Alternative accommodation costs, ground rent or rent payable to you relating to any portion of the buildings not used solely as domestic accommodation. Loss of rent: if the private residence was unoccupied immediately before the insured event arising from your tenant or tenants leaving the private residence without giving notice to you or your letting agent after the private residence can be lived in again Rent which is unpaid at the time of the loss or damage Cost, fees or charges you have to pay to your letting agents. 16 Your liability to others. We cover your legal liability : as owner or occupier of the buildings and their land and as owner of the Landlord s business contents resulting from you previously owning any private property under the Defective Premises Act 1972 the Defective Premises (Northern Ireland) Order 1975; to compensate others if, following an accident during the period of insurance, someone dies, is injured, falls ill or has their property damaged. The most we will pay for any claim (or claims) 9

10 arising from one cause, including costs and legal expenses agreed by us, is 2,000,000 or the amount as shown in the policy schedule or 17 Selling the buildings. We will not pay if the liability arises from: The death, injury or illness of you, or your domestic employees; loss or damage to any property that you or your domestic employees own or are responsible for; a contract that says you or your domestic employees are liable for something which you or they would not otherwise have been liable for; your business or profession other than as owner of the property shown in the policy schedule or property schedule; owning or using vehicles or crafts any animal; you or your domestic employees passing on any illness or virus; occupation or ownership of any land or building not shown in your policy schedule or If at the time of the claim you have contracted to sell the buildings, the buyer will have the benefit of this policy as long as the purchase is completed within the period of insurance We will not pay for any claim for loss or damage to your buildings if the buyer is insured under any other insurance. 18 Automatic cover for new property. Cover for buildings extends to include newly acquired buildings, that you have purchased but have not told us about provided: they are of standard construction (i.e. Constructed of brick, stone or concrete and roofed with slates, tiles or concrete, asphalt, metal or asbestos with less than 20% of the total area of flat felt and bitumen roofing); you tell us about them as soon as you can but not later than seven days after you have purchased them; you effect specific insurance from the time you purchase them. The most we will pay is 300,000. We will not pay for buildings that you have owned for more than seven days or which are otherwise insured. 19 Index linking. We will increase your buildings sum insured each month in line with the House Rebuilding Cost Index produced by the Royal Institution of 10

11 20 Contract Works Chartered Surveyors. We will pay for damage resulting from any buildings works and/or heat processes (including restoration, repair, redecoration, maintenance or other similar work) where the estimated value of the works is no more than 15,000 and you have not entered into a contract which removes or limits your legal rights against the contractor in any way. The most we will pay is 15,000 per incident. Unfixed materials on site Settling claims We will decide whether to repair, replace or reinstate the damaged part of the buildings. We may do this by using one of our suppliers. We will pay the full cost of the work, including any professional, demolition, or local-authority costs or fees we have agreed, as long as the work is finished without delay. If the work is not carried out, we will pay the reduction in the market value of the buildings that resulted from the damage. However we will not pay more than the cost of the repair or replacement. We will take off an amount for wear and tear if the buildings are not properly maintained. If at the time of any loss or damage the buildings sum insured is less than the actual rebuilding cost we will only pay the amount that the sum insured bears to the total rebuilding cost. The sum insured for buildings will not be reduced following payment of a claim. When we pay your claim we will take off the excess shown in your policy schedule, property schedule or policy endorsement. The most we will pay is the limits shown in the policy or the sum insured shown on your policy schedule, property schedule or policy endorsement. 11

12 Landlord s Business Contents Landlord s business contents are: household goods; furniture; carpets; furnishings. That: you own or for which you are legally responsible are contained in the private residence are provided by you for the use of your tenant or for use in connection with the maintenance of the private residence. Contents are not: vehicles and craft and their accessories; deeds and documents; documents and certificates showing ownership of shares, bonds and other financial investments; animals; any part of the structure, decorations or permanent fixtures and fittings; items you have more specifically insured by this or any other policy; tenant s property; cash, cheques, postal or money orders, postage stamps, saving stamps, saving certificates or bonds, travel tickets, luncheon vouchers, phone cards, mobile phone vouchers, reward vouchers or gift tokens; property in the open; any articles of gold, silver or other precious metal, jewellery, watches, furs, pictures or other works of art, collections of stamps or coins; clothing and articles of a strictly personal nature likely to be worn used or carried, sports equipment and pedal cycles; mobile phones Events We cover sudden and unexpected loss or physical damage caused by events 1 to 13 (and 14 and 15 if landlord s business contents including accidental damage is shown as included in your policy schedule or property schedule) to the landlord s business contents in the home. Event Exclusions 1 Fire, lightning, explosion or earthquake 2 Riot property schedule unoccupied for more than 60 consecutive days (see condition 10 Unoccupancy). lent, let or sublet unless violence and force are used to break into or out of the private residence. 3 Malicious Damage unoccupied for more than 60 consecutive days (see condition 10 Unoccupancy). The first 2,500 of loss or damage if caused by 12

13 you, the tenant or other person(s) lawfully on the premises. 4 Aircraft, animals or vehicles hitting the buildings 5 Storm or flood lent, let or sublet unless violence and force are used to break into or out of the private residence. Loss or damage to landlord s business contents in the open. Loss or damage caused only by a change in the water table 6 Theft or attempted theft Loss if caused by deception. unoccupied for more than 60 consecutive days (see condition 10 Unoccupancy). The first 2,500 of loss or damage if caused by you, the tenant or other person(s) lawfully on the premises. Loss or damage to the property in outbuildings or garages. Loss or damage to landlord s business contents in the open. 7 Subsidence or ground heave of the site that the buildings stand on or landslip 8 Water leaking from any fixed appliance, pipe, tank or fish tank unoccupied for more than 60 consecutive days (see condition 10 Unoccupancy). Loss or damage to the system or apparatus from which the water has escaped. 9 Falling trees or branches, lampposts or telegraph poles 10 Oil leaking from any fixed appliance, pipe or tank Damage caused by felling, lopping, or topping unoccupied for more than 60 consecutive days (see condition 10 Unoccupancy). Loss of the oil itself. 13

14 11 Accidental breakage of glass in furniture, mirrors ceramic hobs in unfixed kitchen appliances. 12 Damage to domestic appliances caused by freezing. Loss or damage to the system or apparatus from which the oil escaped. unoccupied for more than 60 consecutive days (see condition 10 Unoccupancy). Light fittings unoccupied for more than 60 consecutive days (see condition 10 Unoccupancy). 13 Index linking We will increase your landlord s business contents sum insured each month in line with the Durable Household Goods Section of the Retail Price Index Landlord s business contents optional cover Cover under events 14 and 15 is an optional extension and only applies if accidental damage cover is shown as included in your policy schedule or Event 14 Accidental damage to the landlord s business contents Exclusions unoccupied for more than 60 consecutive days (see condition 10 Unoccupancy). Any loss or damage we exclude under events 1 to 13. The costs of maintenance or normal redecoration. Loss or damage to clothing or contact lenses. Loss or damage to landlord s business contents in the open. 15 Accidental damage to: Audio, hi-fi, television, telecommunication or video equipment but not mobile phones. Satellite television-receiving equipment or television or radio aerials. Landlord s business contents over 5 years old. unoccupied for more than 60 consecutive days (see condition 10 Unoccupancy). Items over 5 years old. Loss or damage to equipment designed to be portable when it is being transported, carried or 14

15 moved. Business Contents Legal Liability (optional cover) Cover under event 16 is an optional extension and only applies if cover is shown as included in your policy schedule or Event 16 Your liability to others We cover your legal liability: as owner of the Landlord s business contents; to compensate others if, following an accident, during the period of insurance, someone dies, is injured, falls ill or has their property damaged. Exclusions The most we will pay for any claim (or claims) arising from any one cause, including costs and legal expenses agreed by us, is 2,000,000 or the amount as shown in the policy schedule or property schedule We will not pay if the liability arises from: the death injury or illness of you or your domestic employees; loss or damage to any property that you or your domestic employees own or are responsible for; a contract that says you or your domestic employees are liable for something which you or they would not otherwise have been liable for; your business or profession other than as owner of the property shown in the policy schedule or property schedule; owning or using vehicles or craft any animal you or your domestic employees passing on any illness or virus; ownership of any landlord s business contents not shown in your policy schedule or property schedule; Settling Claims We will decide whether to repair or replace any item that is lost or damaged. We may do this by using one of our suppliers. If the item cannot be repaired or replaced, we will pay the cost of an equivalent replacement. We will take off an amount for wear and tear on household linen that can not be repaired if your sum insured is less than the full cost of replacing all the landlord s business contents as new The sum insured for Landlord s business contents will not be reduced following payment of a claim,. When we pay you we will take off the excess shown in your policy schedule or property schedule or policy endorsement. The most we will pay is the limit shown in the policy or the sum insured shown on your policy schedule, property schedule or policy endorsement. 15

16 Conditions And Exclusions Conditions 1 Precautions You must do all you reasonably can to prevent and reduce any loss, damage or injury and comply with statutory obligations and regulations imposed by any authority. 2 Regulations and conditions for rented accommodation You must meet all local and national authority regulations governing rented accommodation. If you do not meet these regulations, and a claim happens, we may decide not to pay the claim. These include (but are not limited to): i. not having more than the number of people legally allowed to live in the private residence; ii. keeping to the Furniture and Furnishings (Fire Safety) Regulations 1988 (or as amended); iii. having the minimum legal number of smoke detectors, fire extinguishers and fire blankets in the private residence; iv. making sure that all gas appliances in the private residence are serviced by a Gas Saferegistered engineer within 15 days of the start of this insurance or not more than a year from the date each one was last serviced, (you must be able to give us original, dated receipts for the servicing of each appliance for a period of 24 months); and v. having a valid certificate issued by an NICEIC member and which is less than five years old, confirming that the electrical system in the private residence is in a good state of repair. You or an authorised person must inspect the inside and outside of the private residence at least once every six months. 3 Loss or damage You must tell us about any loss, damage or liability as soon as possible and give us all the information and help we may need. We will decide how to settle or defend a claim and may carry out proceedings in the name of any person covered by your policy including proceedings for recovering any claim. 4 Theft or malicious damage You must report any loss, theft, attempted theft or malicious damage to the police immediately. 5 Fraud If a claim is fraudulent or false in any way, we will not make any payment and all cover will end. 6 Other insurance If any claim is covered by any other insurance, we will not pay for more than our share of that claim. 7 Material facts You must tell us if any of the information, (including the tenancy type as shown in your policy schedule or property schedule), on which this insurance is based changes. Failure to do so may result in your insurance no longer being valid and any claims not met. If in doubt about any change, please tell us. If your policy is amended as a result of any change, we will be entitled to vary the premium and terms for the rest of the period of insurance. You should keep a record (including copies of letters) of all information provided to us in connection with this insurance. 8 Governing law Your policy is governed by the law that applies to where you reside within the United Kingdom. If there is any disagreement about which law applies, English law will apply. Unless otherwise agreed, we will communicate with you in English. 9 Cancellation You may cancel this policy at any time by telling us, either in writing or over the phone. We may cancel your policy by giving you 7 days written notice to your last known address. We will give you a refund in proportion to the time left until your current period of insurance is due to run out as long as you have not made a claim. 10 Unoccupancy 16

17 When the private residence is unoccupied (i.e. not permanently lived in by you, a tenant, or a person you have authorised or without enough furniture for normal living purposes) for longer than 7 consecutive days: a. the policy excesses shown in your policy schedule, property schedule or policy endorsement are increased by a further 250 for buildings and 500 for landlord s business contents; b. the private residence must be inspected not less than once every 14 days by you or a responsible person acting on your behalf and any faults discovered remedied immediately; c. all locks and bolts for securing external doors, windows and fanlights which are accessible without the use of a ladder or from drainpipes must be put into full and effective operation and the keys withdrawn from the locks and bolts whenever the private residence is left unattended; d. all refuse and waste materials must be removed from the interior of the premises and no accumulation of refuse or waste be allowed in the adjoining yards or spaces owned by you; e. you must take reasonable steps to prevent accumulation of mail; f. during the period between 1st October and the 31st March in any year the central heating system (where installed) must be kept working to maintain a temperature of no less than 10 degrees centigrade or the water must be turned off at the mains and the water system completely drained. When the private residence is unoccupied for longer than 60 consecutive days, the 7 day unoccupancy conditions above still apply and: you must inform us you must seal up all letter plate apertures or, if impracticable fit the rear of the aperture with an enclosed metal box and frequently remove any materials delivered unless we agree otherwise cover is restricted to : Buildings events and additional cover: 1 Fire, lightning, explosion or earthquake; 4 Aircraft, animals or vehicles hitting the buildings; 7 Subsidence or ground heave of the site that the buildings stand on or landslip; 9 Falling trees or branches, lampposts or telegraph poles; 16 Your liability to others; 17 Selling the buildings; 18 Automatic cover for new properties; 19 Index Linking; 20 Contract works. Landlords business contents events and additional cover: 1 Fire, lightning, explosion or earthquake; 4 Aircraft, animals or vehicles hitting the buildings; 7 Subsidence or ground heave of the site that the buildings stand on or landslip; 9 Falling trees or branches, lampposts or telegraph poles; 13 Index linking; 16 Your liability to others 11 Repair, renovation or redecoration Whilst the building is being repaired, renovated or redecorated the excess shown in your policy schedule, property schedule or policy endorsement is increased by Cooking arrangements No cooking is to be undertaken inside any part of the building other than in areas that have been constructed and equipped as domestic kitchens. 13 Flat roof maintenance Flat felt roofs must be inspected every five years by a qualified builder or surveyor and any defects repaired immediately. 14 Rights of parties A person or company who was not a party to the policy has no right under the Contracts (Rights to Third Parties) Act 1999 or any subsequent legislation to enforce any term of this policy but this does not affect any right or remedy of a third party which exists or is available apart from such Act. 17

18 15 Mortgagees and lessors Any increase in the risk of damage due to any act or neglect of any Mortgagor, Leaseholder, Lessee or Occupier of any buildings will not prejudice the interest of any Mortgagee, Freeholder or Lessee provided the increase in risk is without their prior knowledge or authority and we are notified immediately they become aware of the increase in risk and pay any additional premium. Exclusions We will not pay the following. 1 Any reduction in value. 2 Consequential (indirect) loss of any kind. 3 Any accident or incident that happens outside any period of insurance that is covered by this policy. 4 The cost of replacing any undamaged item or part of any item just because it forms part of a set, suite or one of a number of items of a similar type, colour or design. 5 Loss or damage to any items used in connection with any business, trade, profession other than the letting of the domestic portion of the property insured by this policy. 6 Any legal liability resulting from any business, trade or profession other than the letting of the domestic portion of the property insured by this policy. 7 Loss or damage to shop fronts, including glass, where the building forms part of any commercial premises or landlord s business contents contained in any non-domestic part of the buildings. 8 Any claim resulting from: deliberate or criminal acts by you or your domestic employees; gradual causes including deterioration and wear or tear: mildew, fungus, climatic or atmospheric conditions, frost, wet or dry rot; any process of demolition, cleaning, repair or alteration; vermin, insects or chewing, scratching, tearing or fouling by pets; electrical or mechanical failure or breakdown; faulty design, materials or workmanship; the failure of a computer chip or computer software to recognise a true calendar date; pollution or contamination which was: - the result of a deliberate act; - expected and not the result of a sudden, unexpected and identifiable incident. 9 Toxic Substances The Company shall not indemnify the Insured under against liability arising directly or indirectly from the manufacture, supply, installation, storage, ownership, possession, handling, use, repair, removal, stripping, dismantling, or disposal, of asbestos, lead, formaldehyde, or polychlorinated biphenols, or other materials, which the Insured knows, or has reason to suspect, contains asbestos or lead or formaldehyde or polychlorinated biphenols. 10 Terrorism This insurance excludes Damage or liability, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with Terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss This insurance also excludes Damage or liability cost or expense of whatsoever nature directly or indirectly caused by resulting from or in connection with any action taken in controlling preventing suppressing or in any way relating to Terrorism 18

19 If the Insurers allege that by reason of this exclusion any Damage or liability cost or expense is not covered by this insurance the burden of proving the contrary shall be upon the Insured In the event that any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect 11 We will not pay for: 1. Loss or destruction of or damage to any property whatsoever, or any loss or expenses whatsoever resulting or arising therefrom or any consequential loss; 2. Any legal liability of whatsoever nature; 3. Death or injury to any person Directly or indirectly caused or contributed to by or arising from Biological or Chemical contamination due to or arising from; a. Terrorism: and/or b. Steps taken to prevent, suppress, control or reduce the consequences of any actual, attempted, threatened, suspected or perceived terrorism. For the purpose of this exclusion terrorism means any act(s) or any person(s) or organisation(s) involving: The causing, occasioning or threatening of harm of whatever nature and by whatever means; Putting the public or any section of the public in fear; In circumstances in which it is reasonable to conclude that the purpose(s) of the person(s) or organisation(s) concerned are wholly or partly of a political, religious, ideological or similar nature. 12 Damage to purpose built flats or apartment blocks where the total buildings sum insured exceeds 500,000 caused by any act of any person acting on behalf of, or in connection with, any organization with activities directed by force or violence towards overthrowing or influencing of any government in law or in fact. 13 Any loss or damage or liability directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority. 14 We will not pay for: Loss or destruction of or damage to any property whatsoever, or any loss or expenses whatsoever resulting or arising therefrom or any consequential loss Any legal liability of whatsoever nature Directly or indirectly caused by or contributed to by or arising from:- Ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof. 15 We will not pay for: Loss or destruction of or damage to any property whatsoever, or any loss or expenses whatsoever resulting or arising therefrom or any consequential loss; Any legal liability of whatsoever nature Directly or indirectly caused by or contributed to by or arising from Computer viruses, erasure or corruption of electronic data; The failure of any equipment to correctly recognise the date or change of date; 19

20 For the purposes of this exclusion computer virus means a corrupting instruction from an unauthorised source that propagates itself via a computer system or network. Endorsements Security Endorsement Your policy schedule or property schedule will show if this applies. Loss or physical damage occurring in the private residence resulting from theft or attempted theft is excluded under the Landlord s Business Contents section unless the protections listed below are put into full and effective operation whenever the private residence is left unattended or when the occupants have retired for the night. All keys must be removed from the locks or bolts and hidden from view when the home is unattended. The final exit door must be secured by a 5 lever mortice deadlock or a rim automatic deadlock OR the manufacturer s key operated integral multi-point locking system. All external single doors and access doors from integral garages must be secured by a 5 lever mortice deadlock or a rim automatic deadlock OR key operated security bolts operating horizontally fitted internally top and bottom OR the manufacturer s key operated integral multi-point locking system. All external double doors must be secured by key operated security bolts or concealed flush bolts operating vertically fitted internally top and bottom to the first leaf and EITHER 5 lever mortice deadlock or a rim automatic deadlock OR the manufacturer s key operated integral multi-point locking system on the second leaf OR key operated security bolts operating vertically fitted internally top and bottom to each leaf. All sliding patio doors must be secured by key operated bolts fitted internally top and bottom OR the manufacturer s key operated integral multi-point locking system. All doors on domestic outbuildings and garages (excluding electrically operated doors) must be secured with key operated security devices. All ground floor and basement opening windows and any other ground floor openings to the private residence measuring more than 22.5 cm x 22.5 cm (9 x 9 ) must be secured by key operated window locks except those in occupied bedrooms at night. All upper floor opening windows and skylights must be secured with key operated window locks if accessible from adjoining roofs, porches, walls, downpipes, balconies or external stairs except those in occupied bedrooms at night. All panes of glass in louvre windows must be securely fixed with suitable adhesive into their brackets. If this security endorsement applies and you have alternative protections in place, we are willing to consider them. However theft cover will not apply until you have agreement from Bluefin Insurance Services Limited in writing. 20

21 Notes 21

22 Bluefin Insurance Services Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: 5 Old Broad Street, London, 22 EC2N 1AD. Registered in England No: