Document of home insurance. Home Insurance. A guide to your cover and how to make a claim. Keep me somewhere safe

Transcription

1 Documet of home isurace Home Isurace A guide to your cover ad how to make a claim Keep me somewhere safe Part of Liverpool Victoria

2 Cotets Page Welcome to ABC Isurace 2 Your ABC home isurace policy 3 Fraud prevetio ad detectio 4 Useful iformatio 5 Defiitios 6 Sectio 1 Buildigs 8 Settlig claims Buildigs 14 Sectio 2 Cotets 15 Sectio 3 Persoal Possessios 24 Sectio 4 Pedal Cycles 25 Settlig claims Cotets, Persoal Possessios ad Pedal Cycles 26 Sectio 5 Legal Expeses 28 Settlig claims Legal Expeses 35 Geeral coditios 37 Geeral exclusios 41 Importat iformatio 43 How we use your iformatio 45 Documet of home isurace 1

3 Welcome to ABC Isurace Thak you for choosig to purchase a ABC Isurace policy. Your ABC isurace policy is uderwritte by Liverpool Victoria Isurace Compay ltd. ABC Isurace is part of the Liverpool Victoria group of compaies. Fouded i 1843 Liverpool Victoria, which also trades as LV=, is the UK s largest friedly society ad a major provider of isurace ad fiacial services products. As a friedly society ad mutual, Liverpool Victoria exists wholly for the beefit of its members. It has o shareholders takig a share of its profits. Istead it ivests its profits i makig its products competitive ad deliverig a outstadig customer service. Our claims service goes the extra mile. Committed to doig the right thig for policyholders ABC aim to settle claims quickly, eve i the most difficult circumstaces. If you would like to lear more about ABC Isurace or Liverpool Victoria please visit our websites at: YOUR ABC HOME INSURANCE POLICY You should read this documet of home isurace ad the schedule as oe cotract. It is our agreemet with you based o the iformatio you gave us or the iformatio give o your behalf, which is recorded i the statemet of facts. I retur for your premium we will give you isurace for liability, loss or damage which happes durig the period of isurace stated o your schedule. This will be i lie with the sectios of this documet of home isurace, which are show as applyig o your schedule. The laws that apply to this cotract Uless we agree with you to apply the laws of aother coutry, Eglish law will apply to this cotract. All commuicatios will be i Eglish. Joh O Roarke Maagig Director Geeral Isurace Liverpool Victoria Isurace Compay Limited Joh O Roarke Maagig Director Geeral Isurace Liverpool Victoria Isurace Compay Limited 2 Documet of home isurace Documet of home isurace 3

4 FRAUD PREVENTION AND DETECTION If false or iaccurate iformatio is provided ad fraud is idetified, details will be passed to fraud prevetio agecies. Law eforcemet agecies may access ad use this iformatio. We ad other orgaisatios 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 relevat fraud prevetio agecies. We ad other orgaisatios may access ad use from other coutries the iformatio recorded by fraud prevetio agecies. Some of the registers we make use of are: The Claims ad Uderwritig Exchage (CUE), which is ru by Isurace Database Services Ltd. The CUE database is used by the majority of the UK s leadig isurers ad cotais details of most motor ad household isurace claims. Isurace Huter, this is a cetral isurace ati fraud system to which other isurers also have access. This database is desiged to combat activities such as idetity theft ad moey lauderig. To protect your iterests, we will check ay iformatio provided agaist these registers for completeess ad accuracy. If we fid that false or iaccurate iformatio has bee give to us, or we suspect fraud we will take actio, which ultimately could result i prosecutio. USEFUL INFORMATION 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. 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 which is maaged o our behalf by Rok. 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. 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 costs ad expeses which you may icur as a result of followig the advice. Our optioal Legal Expeses isurace will provide cover for legal costs ad expeses for claims relatig to persoal ijury, cotract, employmet ad property disputes icludig idetity fraud. Please refer to sectio 5 of this booklet for full details of terms coditios ad exclusios. 4 Documet of home isurace Documet of home isurace 5

5 DEFINITIONS Certai words i this policy ad the schedule have particular meaigs wherever they appear. These meaigs apply to the whole policy uless otherwise stated. Accidetal damage Broker Buildigs Claim Cotets Credit cards Documet of home isurace Edorsemet Excess Family Home Home etertaimet equipmet Damage caused suddely by exteral meas which is ot expected ad ot deliberate. The perso or compay who has issued these documets o our behalf ad who sold you this policy. The structure of your home ad its permaet fixtures ad fittigs icludig solar paels ad wid turbies, walls, hedges, gates, feces, swimmig pools (but ot their covers), teis courts, drives, footpaths, patios, terraces, exteral steps ad permaetly sited septic taks ad fixed cetral heatig gas or oil taks that belog to you or for which you are legally resposible all cotaied withi the boudaries of the lad. A sigle loss or series of losses arisig from oe icidet. Household goods, valuables, home etertaimet equipmet, office equipmet, pedal cycles, televisio or radio aerials, satellite dishes ad their fittigs, teats fixtures ad improvemets that belog to you or your family, or for which you are legally resposible whe withi the home. Cotets are ot: motor vehicles, caravas, trailers, watercraft, aircraft ad all their accessories; aimals; busiess stock, equipmet, tools or materials; ay part of the buildigs, icludig decoratios or permaet fixtures ad fittigs. Bak, charge, cheque guaratee, credit, debit ad cash dispeser cards held by you or your family for private purposes. This booklet. A chage i the terms ad coditios of this documet of home isurace that is displayed o the schedule. The amout you have to pay towards a claim. This will be the compulsory excess plus ay volutary excess show o the schedule. Your husbad, wife or parter or civil parter, childre (icludig foster childre), parets ad other relatives who permaetly live i the home. The private dwellig ad its domestic garages ad outbuildigs at the isured address show o the schedule. Radios, televisios, digital-satellite set-top boxes, satellite receivers, home computers, games cosoles, recordig ad audio/visual equipmet, but ot mobile phoes or other had held portable devices. DEFINITIONS CONTINUED Lad Moey Motor vehicles The lad belogig to the home. Cash, bak ad currecy otes, cheques, travellers cheques postal ad moey orders, bakers drafts, lucheo vouchers, savig stamps ad certificates, bods, curret postage stamps, travel tickets, seaso tickets ad gift tokes belogig to you or your family ad held for private purposes. Ay electrically or mechaically powered vehicle whether licesed for road use or ot, other tha domestic garde machiery, wheelchairs, golf carts or trolleys, battery assisted pedal cycles ad toys or models. Office equipmet Computers, keyboards, visual display uits ad priters, word-processig equipmet, desk-top publishig uits, multi-user small busiess computers ad fax machies used solely for your busiess or professio. Period of isurace Persoal possessios Schedule Statemet of facts Uoccupied Valuables We, us or our You, your The period show o your schedule which the policy covers you for (as log as you pay the premium o time). Clothig, sports equipmet ad other persoal belogigs, which are desiged to be wor or carried that belog to you or your family, or for which you are legally resposible. Persoal possessios are ot: moey ad credit cards; pedal cycles; motor vehicles, caravas, trailers, watercraft, aircraft ad all their accessories; aimals; busiess stock, equipmet, tools or materials; furiture, furishigs ad household goods. This idetifies you, the period of isurace, those sectios of this documet of home isurace that apply, sums isured ad ay edorsemets that apply. The documet cofirmig the iformatio you gave to us whe you applied for, reewed or made chages to this isurace. This icludes iformatio give o your behalf. Not lived i by you or ay member of your family or ay other perso with your permissio. Jewellery, watches, clocks, photographic equipmet (icludig camcorders), televisios ad audio/visual equipmet, 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. 6 Documet of home isurace Documet of home isurace 7

6 SECTION 1 BUILDINGS SECTION 1 BUILDINGS CONTINUED Your schedule tells you if this sectio of cover is icluded. Loss or damage to the buildigs caused by: 1. Fire (icludig resultat smoke damage), lightig, explosio or earthquake. 2. Water or oil leakig from ay fixed tak, appliace or pipe. 3. Theft or attempted theft. 4. Storm or flood. 5. Vadalism or malicious damage, icludig riot, civil urest, strikes or labour or political disturbaces. What is ot covered The amout of ay excess show o your schedule. 2. The first 250 of every claim. Loss or damage: by subsidece, heave or ladslip caused by water leakig; to the tak, appliace or pipe itself, uless caused by freezig; after your home has bee uoccupied for more tha 60 days i a row. 3. Loss or damage: after your home has bee uoccupied for more tha 60 days i a row; 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. 4. Loss or damage to hedges, gates or feces. 5. Loss or damage after your home has bee uoccupied for more tha 60 days i a row. Loss or damage to the buildigs caused by: 6. Beig hit 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. 7. Subsidece or heave of the site o which the buildigs stad or ladslip. What is ot covered The amout of ay excess show o your schedule. 6. Loss or damage: to hedges, gates or feces by fallig trees or braches; caused by domestic pets. 7. The first 1,000 of every claim. Loss or damage: caused by coastal or river erosio; caused durig demolitio, structural alteratio or repair work; caused by poor desig, faulty workmaship or the use of defective materials; caused by foudatios which did ot meet buildig regulatios at the time of costructio; where compesatio has bee provided uder ay cotract, legislatio or guaratee; to solid floors ad o load bearig walls uless the foudatios beeath the exterior load bearig walls of your home are damaged at the same time by the same cause; caused by beddig dow or settlemet of made groud; 8 Documet of home isurace Documet of home isurace 9

7 SECTION 1 BUILDINGS CONTINUED SECTION 1 BUILDINGS CONTINUED What is ot covered What is ot covered The amout of ay excess show o your schedule. 7. Subsidece or heave of the site o which the buildigs stad or ladslip (cotiued). 7. Loss or damage: to walls, hedges, gates, feces, swimmig pools, teis courts, drives, footpaths, patios, terraces, exteral steps ad permaetly sited septic taks ad fixed cetral heatig gas or oil taks uless the foudatios beeath the exterior load bearig walls of your home are damaged at the same time by the same cause; We also provide the followig additioal cover: 10. Udergroud services. Accidetal damage to cables, udergroud pipes ad drais (ad their ispectio covers) servig your home. 11. Emergecy access. Uavoidable damage caused by the emergecy services whe accessig your home or garde as a result of a emergecy to you or your family. 10. The cost of clearig a blockage. We also provide the followig additioal cover: Additioal cover: 8. Sellig your home. The buyer will be covered for loss or damage covered by this sectio up to the date the sale completes o your home. 9. Fixed glass ad saitary fittigs. Accidetal damage to fixed glass, saitary fittig ad ceramic hobs formig part of the buildigs. show as ot isured elsewhere i this documet of home isurace. The amout of ay excess show o your schedule. 8. Loss or damage: after your home has bee uoccupied for more tha 60 days i a row; if the home is isured uder aother policy; after the sale has completed. 9. Loss or damage: after your home has bee uoccupied for more tha 60 days i a row; while the home is lived i by ayoe other tha you or a member of your family. 12. 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 reasoable 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. 13. 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. 13. Loss or damage to the tak, appliace or pipe itself. More tha 2,500 for a water or oil leak outside the home. 10 Documet of home isurace Documet of home isurace 11

8 SECTION 1 BUILDINGS CONTINUED SECTION 1 BUILDINGS CONTINUED What is ot covered What is ot covered We also provide the followig additioal cover: 14. 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 buildigs 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 writte permissio. The amout of ay excess show o your schedule. 14. Liability arisig from: the death, bodily ijury or illess of you or a member of your family or domestic staff; loss or damage to ay property you or a member of your family or domestic staff ow, or are resposible for; a agreemet that imposes a liability you would ot otherwise have bee uder; ay professioal, occupatioal or busiess activities; you occupyig the home ad its lad; 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. Accidetal damage optioal cover Your schedule tells you if this optioal cover is icluded. 15. Accidetal damage. Accidetal damage to the buildigs. The amout of ay excess show o your schedule. 15. Loss or damage: while the home is lived i by ayoe other tha you or a member of your family; caused durig demolitio, structural alteratio or repair work; caused by domestic pets; show as ot isured elsewhere i this documet of home isurace. The cost of maiteace or ormal redecoratio. 12 Documet of home isurace Documet of home isurace 13

9 SETTLING CLAIMS BUILDINGS This sectio describes how we deal with your claim. SECTION 2 CONTENTS Your schedule tells you if this sectio of cover is icluded. If the loss or damage is covered by this isurace we may: 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 additioal 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 state of repair 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. The most we will pay will be the buildigs sum isured show o your schedule plus ay amout we agree to pay uder paragraph 12 of this sectio. Ay amout we pay will be reduced by the excess show o your schedule. Uderisurace It is your resposibility to esure that the buildigs sum isured is sufficiet to cover the full cost of rebuildig your home. If the cost of rebuildig the home i the same form, size, style ad coditio as ew is more tha the sum isured show o your schedule, we will reduce the amout claimed i proportio with the uderisurace. For example, if the buildigs sum isured is equal to 75% of the amout eeded to rebuild the buildigs, we will oly pay 75% of your claim. Loss or damage to cotets i the home caused by: 1. Fire (icludig resultat smoke damage), lightig, explosio or earthquake. 2. Water or oil leakig from ay fixed tak, appliace or pipe icludig up to 5,000 for loss of metered water or oil. 3. Theft or attempted theft. The most we will pay for ay oe claim for cotets i domestic garages ad outbuildigs at the home is 2, Storm or flood. 5. Vadalism or malicious damage, icludig riot, civil urest, strikes or labour or political disturbaces. 6. Beig hit by ay aimal, fallig tree or brach, road vehicle, trai, aircraft or other flyig objects (icludig items dropped from them). What is ot covered The amout of ay excess show i your schedule. 2. The first 250 of every claim. Loss or damage after your home has bee uoccupied for more tha 60 days i a row. 3. Loss or damage: after your home has bee uoccupied for more tha 60 days i a row; 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; by deceptio other tha deceptio used solely to eter your home. 5. Loss or damage after your home has bee uoccupied for more tha 60 days i a row. 6. Loss or damage caused by domestic pets. 14 Documet of home isurace Documet of home isurace 15

10 SECTION 2 CONTENTS CONTINUED SECTION 2 CONTENTS CONTINUED What is ot covered What is ot covered 7. Subsidece or heave of the site o the which the buildigs stad or ladslip. We also provide the followig additioal cover: Additioal cover: 8. Mirrors ad Glass. Accidetal damage to mirrors ad glass or ceramic tops formig part of furiture while i your home. 9. Home etertaimet equipmet. Accidetal damage to home etertaimet equipmet while i your home. 7. Loss or damage: caused by coastal or river erosio; caused durig demolitio, structural alteratio or repair work; where compesatio has bee provided uder ay cotract, legislatio or guaratee. The amout of ay excess show i your schedule. 8. Loss or damage while the home is lived i by ayoe other tha you or a member of your family. 9. Loss or damage: while the home is lived i by ayoe other tha you or a member of your family; caused by domestic pets; to computer software or dowloaded iformatio; show as ot isured elsewhere i this documet of home isurace. We also provide the followig additioal cover: 10. Cotets i the garde. We will pay up to 1,000 for loss or damage to cotets while they are outdoors but withi the boudaries of your lad as a result of a cause listed i paragraphs 1, 2, 3, 5 ad 6 of this sectio. 11. Plats i the garde. We will pay up to 500 for loss or damage to, trees, shrubs, plats ad laws withi the boudaries of your lad as a result of a cause listed i paragraphs 1, 2, 3, 5 ad 6 of this sectio. 12. Loss of keys. We will pay up to 750 for the cost of replacig locks to the exteral doors of your home ad alarms ad safes if your keys are lost or stole. The amout of ay excess show i your schedule. 10. Loss or damage: to trees, shrubs, plats or laws; after your home has bee uoccupied for more tha 60 days i a row; show as ot isured elsewhere i this documet of home isurace. 11. Loss or damage: caused by fallig trees or braches; after your home has bee uoccupied for more tha 60 days i a row; show as ot isured elsewhere i this documet of home isurace. More tha 250 for ay oe tree, plat or shrub. 16 Documet of home isurace Documet of home isurace 17

11 SECTION 2 CONTENTS CONTINUED SECTION 2 CONTENTS CONTINUED What is ot covered What is ot covered We also provide the followig additioal cover: The amout of ay excess show i your schedule. We also provide the followig additioal cover: The amout of ay excess show i your schedule. 13. Alterative accommodatio. If your home becomes uihabitable followig loss or damage covered uder this sectio we will pay up to 15,000 durig the period of isurace for: the reasoable 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 buildigs to a habitable coditio. 14. 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. 15. Religious festivals ad weddigs. We will icrease the cotets sum isured by 10% for oe moth before ad after a religious festival or weddig day of you or a member of your family, for purchases made for these evets, if withi the period of isurace. 16. 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. 17. Title deeds. We will pay up to 500 for loss or damage covered by this sectio to replace the title deeds of your home while they are i safekeepig lodged with your bak, mortgage leder, solicitor or i your home. 18. 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. 19. Teat s cover. If you are a teat we will pay up to 10,000 for loss or damage covered by this sectio to fixtures ad fittigs you have istalled i your home or for which you are legally resposible. 20. Moey. We will pay up to 500 for loss or damage to moey from the home as a result of a cause listed i paragraphs 1-7 of this sectio. 18. Loss or damage: to chia, glass ad brittle items, uless these have bee packed by professioal packers; show as ot isured elsewhere i this documet of home isurace. 20. Losses ot reported to the police withi 24 hours of discovery. Theft by deceptio other tha deceptio used solely to eter your home. 18 Documet of home isurace Documet of home isurace 19

12 SECTION 2 CONTENTS CONTINUED SECTION 2 CONTENTS CONTINUED What is ot covered The amout of ay excess show i your schedule. What is ot covered We also provide the followig additioal cover: We also provide the followig additioal cover: The amout of ay excess show i your schedule. 21. 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. 21. The cost of remakig a file, tape or disc. Rewritig the iformatio cotaied o your home etertaimet equipmet or mobile phoe. Loss or damage show as ot isured elsewhere i this documet of isurace. 24. 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. 24. Loss or damage: to ay cotets take from your home to sell or exhibit; to moey or busiess equipmet; by theft or attempted theft uless violece ad force is used to remove the cotets from a buildig; 22. Office equipmet. We will pay up to 5,000 for loss or damage to office equipmet as a result of a cause listed i paragraphs 1 to 7 of this sectio. 23. 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; ay buildig i which you or a member of your family work. 22. Loss or damage show as ot isured elsewhere i this documet of isurace. 23. Loss or damage: to ay cotets take from your home to sell or exhibit; to moey or busiess equipmet; by theft or attempted theft uless violece ad force is used to remove the cotets from a buildig; to pedal cycles; to ay cotets temporarily removed for the purposes of attedig a uiversity, college or boardig school. 25. 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 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 writte permissio. Urecoverable court awards. We will 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. to pedal cycles. 25. 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 staff; the owership or use of ay motor vehicle, aircraft, horse draw vehicle, ship, vessel or craft; ay loss or damage to property owed by you or a member of your family or domestic staff, or which they are resposible for; a agreemet that imposes a liability you would ot otherwise have bee uder; ay professioal, occupatioal or busiess activity; 20 Documet of home isurace Documet of home isurace 21

13 SECTION 2 CONTENTS CONTINUED SECTION 2 CONTENTS CONTINUED What is ot covered 25. Liability arisig from: What is ot covered 25. Liability to the public (cotiued). 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 icludig legal costs ad expeses is 2,000, Liability to domestic employees. If followig a accidet durig the period of isurace your domestic employee dies, is ijured, falls ill whilst beig employed by you ad you are foud legally liable, the most we will pay for ay claim arisig from oe icidet, icludig claimats costs ad expeses is 5,000,000. We may also pay other costs ad expeses icurred with our prior writte permissio. ay aimal, other tha horses ad domestic pets; ay dog which is desigated dagerous uder the Dagerous Dogs Act 1991; 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. 26. Liability that should be covered by compulsory motor isurace or security as required uder ay Road Traffic Act legislatio. Accidetal damage optioal cover Your schedule tells you if this optioal cover is icluded. 27. Accidetal damage. Accidetal damage to cotets i the home. The amout of ay excess show i your schedule. 27. Loss or damage: while the home is lived i by ayoe other tha you or a member of your family; caused by domestic pets; to computer software or dowloaded iformatio; show as ot isured elsewhere i this documet of home isurace. Cover applies aywhere i the world as log as you etered ito the cotract of employmet with the employee i the British Isles. 22 Documet of home isurace Documet of home isurace 23

14 SECTION 3 PERSONAL POSSESSIONS (optioal cover) Your schedule tells you if this sectio of cover is icluded. 1. Persoal possessios. We will pay for loss or damage to persoal possessios i Europe ad up to 60 days worldwide i ay oe period of isurace. 2. Moey ad credit cards. We will pay up to 500 for loss or damage to moey or the uauthorised use of credit cards i Europe ad up to 60 days worldwide i ay oe period of isurace. What is ot covered The amout of ay excess show i your schedule. 1. Loss or damage: from uatteded motor 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; show as ot isured elsewhere i this documet of home isurace. Accidetal loss or damage to software or dowloaded iformatio. Theft of persoal possessios from ay studet accommodatio or place of study uless violece ad force is used to remove them. 2. Losses ot reported to the police withi 24 hours of discovery. Losses where you have ot kept to the coditios the credit card was issued uder. Credit cards which are lost ad ot reported to the issuig or card registratio compay withi 24 hours of discovery. Uauthorised use of credit cards by a member of your family or domestic staff. SECTION 4 PEDAL CYCLES (optioal cover) Your schedule tells you if this sectio of cover is icluded. We will pay for loss or damage to pedal cycles i Europe ad up to 60 days worldwide i ay oe period of isurace. What is ot covered The amout of ay excess show i your schedule. Loss or damage while racig, pace-makig or takig part i time trials. Theft of ay pedal cycles away from the home, uless locked to a permaet structure. Theft of pedal cycle accessories uless they are stole with the pedal cycle. Motorised pedal cycles other tha battery assisted models. 24 Documet of home isurace Documet of home isurace 25

15 SETTLING CLAIMS CONTENTS, PERSONAL POSSESSIONS AND PEDAL CYCLES How we will settle claims (applies to sectios 2, 3 & 4). Most isurace compaies ca get discouts o replacig items. This helps to cotrol claim costs ad therefore premiums charged. If the loss or damage is covered by this isurace it is at our optio that we will: pay the cost of repair for items that ca be ecoomically repaired; replace the item as ew; or make a cash paymet, which may be restricted to the discouted replacemet price we would ormally pay usig our ow suppliers. If the items are ot replaced, the amout we will pay will be based o the market value of the items o the date the loss happeed. For ay claim ivolvig clothig or household lie, we will make a deductio for wear ad tear. We may also make a deductio for wear ad tear for ay items ot i a good coditio. Sectio 2 Cotets what we will pay The cotets sum isured must represet the full replacemet value of your cotets as ew, less a amout for wear ad tear o clothig ad lie. The most we will pay will be the cotets sum isured show o your schedule plus ay amout we agree to pay uder paragraph 13 of this sectio. For ay oe claim, we will ot pay more tha: oe third of the cotets sum isured for uspecified valuables; 1,500 for ay valuable uless the item is specified o your schedule. SETTLING CLAIMS CONTENTS, PERSONAL POSSESSIONS AND PEDAL CYCLES CONTINUED Sectio 3 Persoal possessios what we will pay For ay oe claim, we will ot pay more tha: the sum isured show o your schedule; 1,500 for ay item uless the item is specified o your schedule. Ay amout we pay will be reduced by the excess show o your schedule. Sectio 4 Pedal Cycles what we will pay The most we will pay for ay oe pedal cycle will be the sum isured, less ay excess, both of which are show o your schedule. Specified items I the evet of a claim for ay item specified o your schedule, you will eed to provide proof of value ad owership of that item. To help you do this, we recommed that you keep photos, receipts, valuatios ad istructio booklets. Followig the total loss of a item specified i your schedule, the item will be removed from cover. You must cotact your broker if the item is to be isured agai after replacemet. Idex likig We may icrease your cotets sum isured whe your policy is due for reewal i lie with the Retail Price Idex or aother suitable idex if this is ot available. This does ot apply to persoal possessios, pedal cycles or ay items specified i your schedule. We will ot reduce the cotets sum isured if the relevat idex falls. Ay amout we pay will be reduced by the excess show o your schedule. Uderisurace If the sum isured is less tha the full replacemet cost of the cotets of your home, we will reduce the amout claimed i proportio with the uderisurace. For example if the amout 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. 26 Documet of home isurace Documet of home isurace 27

16 SECTION 5 LEGAL EXPENSES (optioal cover) Your schedule tells you if this sectio of cover is icluded. This sectio of your isurace is maaged idepedetly o our behalf by Arc Legal Assistace (Arc). The isurace covers you ad your family for legal costs ad expeses for isured evets that take place withi the period of isurace ad withi the territorial limits. Ayoe makig a claim uder this sectio must have your agreemet to claim. How to claim Cotact our legal advice helplie o as soo as you are aware of a isured evet that may result i a claim, ad please have your home isurace policy umber available whe you call. Defiitios The followig defiitios apply to sectio 5 oly. Legal costs ad expeses Reasoable legal fees ad expeses icurred by your solicitor provided that: Arc believe these costs ad expeses to be i proportio to the beefit to you of takig legal proceedigs; SECTION 5 LEGAL EXPENSES (optioal cover) CONTINUED Isured evet The start of a idividual or series of evets that may lead to a claim uder this sectio. We will treat all evets related by cause or time as oe. The isured evet will be treated as occurrig o the date that you first became aware of the start of a idividual or series of evets, problems or disputes covered uder this isurace. Idetity fraud A perso or group of persos 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. Solicitor Our pael solicitors, appoited by Arc, or their agets to act o your behalf, or, where court proceedigs have bee issued or a coflict of iterest arises, aother solicitor omiated by you. Territorial limits Great Britai, Norther Irelad, the Isle of Ma ad the Chael Islads. Arc have agreed, i advace, the purpose ad amout of these costs ad expeses; Arc believe your claim has ad cotiues to have a reasoable chace of success. Legal costs ad expeses shall be assessed o the stadard basis ad third party s costs shall be covered if awarded agaist you ad paid o the stadard basis of assessmet. The most we will pay for all costs ad expeses will be 50,000 for ay claim or claims arisig from oe evet. 28 Documet of home isurace Documet of home isurace 29

17 SECTION 5 LEGAL EXPENSES (optioal cover) CONTINUED SECTION 5 LEGAL EXPENSES (optioal cover) CONTINUED What is ot covered What is ot covered We will pay legal costs ad expeses for each of the followig isured evets: We will pay legal costs ad expeses for each of the followig isured evets: 1. Persoal ijury Pursuig a claim directly resultig from your death or ijury from a accidet from oe sigle evet. 1. Claims: arisig from ay illess or ijury which develops gradually; arisig from medical egligece, cliical or detal treatmet, advice, assistace or care; arisig from psychiatric ad/or psychological ijury where there is o associated physical ijury. 3. Protectio of property Pursuig a claim directly resultig from a breach of your legal rights relatig to the owership or occupatio of your home. 4. Employmet 3. Claims: where the isured evet happes less tha 180 days after the start of the first cotiuous period of this legal expeses isurace; i respect of ay works by, or uder the order of ay govermet or public or local authority. 4. Claims: 2. Cotract disputes a. Pursuig a claim directly resultig from a breach of your cotract to buy or hire goods or services for your private use. b. Defedig a civil claim directly resultig from your sale of goods you have owed ad privately sold. 2. Claims: where the amout i dispute is less tha 250; relatig to cotracts etered ito before this legal expeses cover bega; arisig from disputes over cotracts made i coectio with the sale or purchase of your home; i respect of ay works by, or uder the order of ay govermet or public or local authority; directly or idirectly arisig from a allegatio of misssellig or mismaagemet of fiacial services or products. Pursuig a claim directly resultig from a breach of your cotract of employmet. where the breach of cotract happes less tha 90 days after the start of the first cotiuous period of this legal expeses isurace; uder the Equal Pay Act 1970 ad amedig legislatio; for costs ad expeses if they relate to a time before the effective date of termiatio of your employmet, (as defied by the Employmet Rights Act 1996) i claims for ufair, wrogful or costructive dismissal; where the breach of cotract is alleged to have commeced or to have cotiued after the effective date of termiatio of your employmet. 30 Documet of home isurace Documet of home isurace 31

18 SECTION 5 LEGAL EXPENSES (optioal cover) CONTINUED SECTION 5 LEGAL EXPENSES (optioal cover) CONTINUED We will pay legal costs ad expeses for each of the followig isured evets: 5. Idetity Fraud a. Pursuig a claim directly resultig from a orgaisatio s egligece causig you to suffer fiacial loss as a result of idetity fraud. b. Defedig your legal rights ad/or take reasoable steps to remove Couty Court Judgemets agaist you that have bee obtaied by a orgaisatio that you are alleged to have purchased, hired or leased goods or services from. Cover is oly available if you dey havig etered ito the cotract ad allege that you have bee a victim of idetity fraud. c. We will also pay costs ad expeses to represet you at a police statio, prior to formal charges beig made agaist you. Cover is oly available where you dey the alleged offece o the basis that you have bee a victim of idetity fraud. What is ot covered 5. Claims: where the amout i dispute is less tha 250. where you have ot bee a victim of idetity fraud; where the isured evet happes less tha 30 days after the start of the first cotiuous period of this legal expeses isurace; where you did ot take reasoable precautios agaist idetity fraud or take actio to protect yourself from idetity fraud; where idetity fraud was caused by you or your family or ayoe else who permaetly lives with you; for legal costs ad expeses arisig from loss of cash from a bak, buildig society, credit uio or other similar fiacial istitutio where that istitutio has refused to cover the loss; for ay losses other tha legal costs ad expeses icurred by you as a result of idetity fraud. Geeral exclusios We will ot pay ay costs ad expeses if: you have alterative legal expeses cover; the isured evet bega to start or had started before you bought this isurace; you should reasoably have kow whe buyig this isurace that the circumstaces leadig to a claim uder this sectio already existed; you claim more tha 180 days after the evet; your claim is fraudulet, false or exaggerated; the other side is ulikely to be able to pay your claim; you act agaist our advice or the advice of the solicitor; the solicitor refuses to act for you; you ureasoably withdraw from legal proceedigs; your claim is settled or discotiued without us agreeig to this beforehad; you eter ito a o wi o fee arragemet; your claim is part of a class actio or will be affected by or will affect the outcome of other claims. 32 Documet of home isurace Documet of home isurace 33

19 SECTION 5 LEGAL EXPENSES (optioal cover) CONTINUED Geeral exclusios Also, certai types of claim are ot covered uder this isurace. We will ot pay for: claims made agaist us or our agets(s); claims directly or idirectly arisig from: somethig said or writte about you or by you about somebody else; professioal egligece i relatio to services provided i coectio with a matter ot covered uder this isurace; a activity for profit or busiess; divorce, separatio ad family law, wills, probate or trust(s); disputes betwee members of your family or betwee you ad someoe you live with or have lived with (this does ot apply to accidets ivolvig motor vehicles); a applicatio for a judge to review the lawfuless of a decisio made or actio take by a public body; computer software operatig systems ad packaged software made to your special order; the costructio or structural alteratio of buildigs or parts of them; subsidece, heave or ladslip, miig or quarryig; plaig, icludig tow ad coutry plaig; a lease or licese to occupy lad or property; a dispute with a local authority about Coucil Tax; ioisig radiatio, radioactivity, uclear fuel, waste or equipmet; war, terrorism (by uclear ad/or chemical ad/or biological ad/or radiological meas), rebellio or revolutio; computer viruses. SETTLING CLAIMS LEGAL EXPENSES This sectio describes how we deal with your claim. This isurace oly covers the legal costs ad expeses icurred by oe of our pael of solicitors util court proceedigs are issued. If proceedigs eed to be issued or if there is a coflict of iterest, you are free to choose your ow solicitor. Your solicitor must be competet i the particular area of law relatig to your case ad able ad willig to act at a cost which is reasoable. If we caot agree o a choice of solicitor we will ask the Presidet of the Law Society or other goverig body for solicitors (or other legal represetatives appoited uder this isurace) i the relevat jurisdictio to choose oe which we both must accept. Where, followig the start of court proceedigs or a coflict of iterest arises, you wat to use a solicitor of your ow choice, you will be resposible for ay solicitors legal costs ad expeses i excess of the stadard rates we have agreed with Arc. I additio, we will ot pay for: legal costs ad expeses icurred by your solicitor i avoidable correspodece or which are recoverable from a court, tribual or other party; ay shortfall i costs recovered from aother party where the claim has bee successful ad costs have bee recovered. If you do ot choose your ow solicitor, we will appoit oe of our pael solicitors for you. We may give the solicitor ad/or Arc all iformatio we have about you or your claim icludig ay medical iformatio. We will be etitled to get ay iformatio, documet or file from the solicitor ad/or Arc icludig a opiio o your chaces of success ad the proportioate beefit to you of makig your civil claim or of actig i defece of your prosecutio. We have a fiacial arragemet with our solicitors where we will itroduce our customers to them ad they may make a paymet to us for that referral. There is othig i our relatioship with our solicitors which will affect their ability to act i your best iterests. As part of ay claim for persoal ijury our solicitors may eed to arrage for you to be medically examied by a Doctor. They may appoit a medical agecy to arrage this examiatio. The medical agecy will also cosider whether 34 Documet of home isurace Documet of home isurace 35

20 SETTLING CLAIMS LEGAL EXPENSES CONTINUED rehabilitatio would assist you i recoverig from your ijury. The medical agecy will make a paymet of 90 to us for this referral. We do ot restrict our pael solicitors i their choice of medical agecy ad rehabilitatio provider. If you do ot accept ay offer i a civil claim, which we believe is reasoable, we may refuse to pay ay further legal costs ad expeses. We will ot have to keep to ay agreemet we are ot ivolved i. If there is a disagreemet betwee you ad us, you or we may agree a arbitrator. If we caot agree a arbitrator, the Chartered Istitute of Arbitrators will choose oe. The arbitrator may require you or us to pay the cost of the arbitratio. Your resposibilities You must do the followig: supply at your ow expese all of the iformatio which we reasoably require to decide whether a claim may be accepted, icludig evidece that legal costs ad expeses will be i proportio to the beefit to you of takig proceedigs ad that your claim has reasoable prospects of success; tell us before you take ay actio that may result i a claim ad before you ru up ay legal costs ad expeses; take all reasoable steps to settle your claim by egotiatio ad work with us to achieve a satisfactory outcome to your claim; follow the advice that we or your solicitor give you; keep the cost of your claim as low as possible; keep us ad your solicitor iformed about the progress of your civil claim (icludig ay offers to settle); try to recover your legal costs ad expeses from the other side, icludig allowig us to brig proceedigs i your ame; at your ow expese, agree to be added to the CIFAS Protective Register if recommeded by oe of our pael solicitors or your solicitor or ay credit referece agecy. At our discretio we may pay a amout to settle your claim or to pursue a actio i the Small Claims Court. GENERAL CONDITIONS Your duty We will oly provide cover uder this isurace if: you or ay other perso claimig uder this isurace has met all the terms ad coditios that apply; ad the iformatio you gave us whe applyig for, amedig or reewig this isurace (show o your statemet of facts), ad whe makig a claim, is true. You must have asked everyoe covered by this isurace ay relevat questios to get this iformatio ad tell us as soo as possible about ay chages which have happeed sice the isurace started or was last reewed. Failure to do so may ivalidate this isurace. Takig care of your property You or ay perso i charge of your property must take reasoable steps ad precautios to: maitai your property i good coditio; ad protect your property from damage or loss; recover lost property. You must give us or our agets reasoable access to examie your property. Chages i your circumstaces You must cotact your broker as soo as you kow about ay of the followig chages: you are goig to move home permaetly; someoe other tha you or your family is goig to live i your home; your home is goig to be uoccupied for more tha 60 days i a row; your home will be used for busiess purposes; work is to be doe o your home which is ot routie maiteace, repair or decoratio, for example ay structural alteratio or extesio to your home; 36 Documet of home isurace Documet of home isurace 37

21 GENERAL CONDITIONS CONTINUED the umber of bedrooms i your home is chaged; you or ay member of your family has received a covictio for ay offece except for drivig; ay icrease i the value of your cotets or if the rebuildig cost of your home exceeds the sum isured show o your schedule. We may re-assess your cover ad premiums whe we are told about chages i your circumstaces. If you do ot tell us about chages or give us icorrect iformatio, we will be etitled to reject paymet of a claim or a paymet could be reduced. I some circumstaces, your policy might be ivalid, which may result i your policy beig cacelled. 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; give us all the iformatio, evidece ad help we ask for, which may iclude proof of owership ad/or value; 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. GENERAL CONDITIONS CONTINUED We will be etitled to: have total cotrol to carry out, defed ad settle ay claim; Fraud 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. If you or ayoe actig for you: misrepresets or deliberately fails to disclose relevat facts at ay time that affect either the terms ad coditios, the premium or whether we accept cover; makes a claim i a fraudulet or false way, or where we are give ay documets which are false or stole; We may: cacel or void your policy ad all other policies to which you are coected to with us; ot pay ay claim which is i ay way fraudulet, false, exaggerated; aim to recover ay costs we have icurred ad ot retur ay premium; tell the police if we suspect fraud. Other isuraces If there is ay other isurace coverig the same claim, we will oly pay our share of the claim, eve if the other isurer refuses the claim. 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. 38 Documet of home isurace Documet of home isurace 39