Trades & Professions Insurance Policy Summary
|
|
- Jessica Higgins
- 6 years ago
- Views:
Transcription
1 Trades & Professions Insurance Policy Summary This is a Policy Summary only and does not contain full terms and conditions of the contract of insurance. These can be found in the Policy document, a copy of which is available on request. Excesses (the amount of any claim that you are responsible for) are shown on the Policy Schedule. Insurer Liverpool Victoria Insurance Company Limited. Type of LV= s Trades & Professions Insurance is designed to cover the legal liabilities of your business and accidental loss or damage to tangible property such as your plant and tools and contract works. Public Liability cover is compulsory. Employers Liability and Contractor s All Risks covers are optional Sections and will only apply if you have selected them and they are shown on the Policy Schedule. Significant features & Significant or unusual exclusions or limitations Section 1: Public Liability This Section protects you for your legal liabilities to pay compensation and legal costs for accidental death or personal injury to any person (excluding employees) and accidental damage to third party material property. Territorial Limits are England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man. Limit of Indemnity 1,000,000 with an option to increase to 2,000,000 or 5,000,000 for most trades or occupations. The Limit of Indemnity is shown on the Schedule. Insured s liability for the acts of Bona Fide Subcontractors included. Indemnity to Principal Clause. Includes cover automatically for temporary employees for up to 50 days. Principal Exclusions 250 third party property damage excess payments to Bona Fide Subcontractors must not exceed 25% of annual turnover and evidence of their own insurance must be obtained excludes work in or on or in connection with: docks, harbours, quays, wharves, watercraft, railways, aircraft, airports or airfields chemical or petrochemical works, oil or gas refineries or storage facilities collieries, mines or quarries, nuclear installations, power stations professional advice and treatment Precaution Conditions apply to the use of heat, bitumen based products, solvents and glue and digging or excavation below ground level
2 Section 2: Employers Liability This Optional Section protects you for your legal liabilities to pay compensation and legal costs for accidental death or personal injury to employees. Territorial Limits are England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man. Limit of Indemnity 10,000,000. Indemnity to Principal Clause. Includes cover automatically for temporary employees for up to 50 days. Clerical employees included without charge for Contracting trades. Principal Exclusions excludes injury involving motor vehicles in circumstances where motor insurance is required by law excludes work in or on or in connection with: docks, harbours, quays, wharves, watercraft, railways, aircraft, airports or airfields chemical or petrochemical works, oil or gas refineries or storage facilities collieries, mines or quarries, nuclear installations, power stations Section 3 Contractor s All Risks This optional Section protects you from accidental loss or damage to the following optional items of tangible property forming The Contract Works (maximum 250,0000 any one contract) Contractor s Plant Tools Hired in Plant Territorial Limits are Great Britain, Northern Ireland, the Channel Islands and the Isle of Man. Principal Extensions Limit Debris removal Defects and Maintenance Liability Period Directors and Employees Personal Effects Plans- Costs of Reproduction Professional Fees European Union and Public Authorities Expediting Expenses Immobilised Plant Continuing Hire Charges & Negligent Breakdown Offsite Storage at Third Party Locations Tools of Temporary Employees 10% of the lesser value of the Contract Price or Maximum Contract Value 90 days or as specified in the contract whichever is the lesser period 1,000 any one item and 10,000 in the aggregate 10% of the contract price or 10,000 any one loss whichever is the lesser the fees necessarily incurred 5% of the value of the Contract Works limit 10,000 in any one period of insurance 50% or 25,000 whichever is the lesser the costs and expenses necessarily incurred upto 15,000 for any one item of Hired in Plant 15% of the contract price or 10,000 any one loss whichever is the lesser 500 any one item and 1,500 any one loss (this Extension is available where Tools are insured)
3 Principal Exclusions consequential loss liquidated damages penalties for delay or non-completion loss of use guarantees of performance damage due to work ceasing on the Contract Site of any contract for a continuous period in excess of 45 days consecutive days railway locomotives rolling stock watercraft or aircraft vehicles licensed for road use unless on contract site tyres by application of brakes or by punctures cuts or bursts defective workmanship, design or materials disappearance unexplained or inventory shortage misfiling or misplacing of information change in water table level corrosion rust wet or dry rot shrinkage evaporation loss of weight dampness dryness marring scratching wear tear or other gradual deterioration mechanical or electrical breakdown or derangement pollution or contamination Own contractor s plant and tools whilst let out on hire Section 4 Legal Expenses scratching tearing or fouling by pets or domesticated animals damage to Contractors Plant caused by its own explosion vermin or insects Damage to deeds, bonds and/or Money Damage to the Contract Works after being completed acts of fraud or dishonesty damage to existing structure This Section indemnifies you in respect of claims for Legal Expenses and Professional Expenses notified within the Period of Insurance. s provided are: Sub-Section A - Criminal Prosecution, Sub-Section B - Tax Protection, Sub-Section C - Data Protection, Sub-Section D - Personal Injury The Limit of indemnity under each Sub-Section is 100,000 any one claim and 1,000,000 in the aggregate Significant Features and Benefits Sub-Section A - Criminal Prosecution Defence of criminal prosecutions and appeals against Improvement Notices or Prohibition Notices under the Health and Safety at Work Act or the Food Safety Act. Sub-Section B - Tax Protection Expert representation for your business in the event of either an in-depth tax or an Aspect investigation, a VAT tribunal, or an Employer Compliance dispute. Significant Exclusions or Limitations excluding: HMRC investigations any prosecution for offences against the person or criminal damage allegations of dishonesty any prosecution for non-endorsable road traffic offences allegations of speeding or driving whilst under the influence of alcohol or drugs failing to insure a motor vehicle as required by law excluding: technical or routine treatment of matters taxation proceedings arising out of negligent mis-statements or omissions by the Insured or a lack of reasonable care in keeping business books and records where the Anti-Avoidance Intelligence Unit of HMRC are involved where the Insured has not notified chargeability to tax within the statutory time limits any enquiry under Public Notice 160 or Section 60 of the VAT Act 1994 or matters handled by HMRC Specialist Investigations Civil Investigations of Fraud and Criminal Investigations Sections and Code of Practice 8 and 9 cases defence of a criminal prosecution investigations solely into earlier accounts or records preparation or correction of Self-Assessment return
4 Sub-Section C - Data Protection Defence claims arising out of an application or appeal under the Data Protection Act and payment of compensation awards made against the Insured under the Act. Sub-Section D - Personal Injury Pursuit of claims for compensation following a personal injury. disputes concerning Working Families Tax Credit, National Minimum Wage, IR35 legislation where Corporation Tax and Income Tax Self- Assessments Returns are submitted outside the statutory time limits an investigation arising out of a voluntary disclosure made to HMRC in respect of omitted tax NIC or VAT liabilities which become due as a result of the Insured s deliberate act or following an HMRC amnesty where the Insured has made an incorrect return to HMRC Principal General Policy Exclusions War Sonic bangs Terrorism Government action Date recognition Illegal deliberate and criminal activities Radioactive contamination Computer virus Period of cover The policy duration is 12 months and is annually renewable (unless shown differently on your policy schedule). Cancellation You have the right to cancel your Policy from inception within 14 days of the receipt of the documents at the start of the insurance ( the cooling off period ) if the cover does not meet your requirements by returning all documents and any certificate to the Broker Intermediary or Agent who arranged the Policy We shall return any premium paid in full within 30 days of the receipt of the notice of cancellation from the Broker Intermediary or Agent if the cover is cancelled either a) before the inception date or b) within the 14 day cooling off period provided that no claim has been made or incident advised that could give rise to a claim in these circumstances no return of premium will be made. If you wish to cancel at any other time, please contact the Broker, Intermediary or Agent who arranged the Policy. How to make a claim Please contact the Broker, Intermediary or Agent who arranged the Policy. Please quote your policy number.
5 How to complain If you have a complaint about your policy or the service you have received please contact the Broker Intermediary or Agent who arranged the Policy for you. If they are unable to resolve your complaint you may refer your complaint to the Financial Ombudsman Service within six months of receiving their final response letter. Should you be unhappy with the service provided by LV=, please contact us by phone on or write to us at LV=, County Gates, Bournemouth, BH1 2NF. feedback@lv.com Please quote the Policy Number in all correspondence. A copy of our complaint handling procedure is available on request. If we cannot resolve your complaint you may refer your complaint to the Financial Ombudsman Service within six months of receiving our final response letter. The address is: Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London E14 9SR. Telephone: or (from mobile or non BT lines) complaint.info@financial-ombudsman.org.uk Website: Making a complaint will not affect your right to take legal action. Compensation If we are unable to meet our liabilities to our policyholders, you may be able to claim compensation from the Financial Services Compensation Scheme (FSCS). There are different levels of compensation, depending on what kind of insurance you have: Compulsory insurance such as third party motor insurance, is covered for 100% of the claim. Non-compulsory insurance, such as home insurance, is covered for 90% of the claim. You can get further information from the Financial Services Compensation Scheme. 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU. Telephone or or , enquiries@fscs.org.uk. LV= and Liverpool Victoria are registered trade marks of Liverpool Victoria Friendly Society Limited and LV= and LV= Liverpool Victoria are trading styles of the Liverpool Victoria group of companies. Liverpool Victoria Insurance Company Limited, registered in England and Wales number is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number Registered address: County Gates, Bournemouth BH1 2NF. Tel: /15
Residential Property Owners Insurance Policy Summary
Residential Property Owners Insurance Policy Summary This is a Policy Summary only and does not contain full terms and conditions of the contract of insurance. These can be found in the Policy document,
More informationOPTIMA TRADE PLUS SUMMARY OF COVER
OPTIMA TRADE PLUS SUMMARY OF COVER This document is a guide to the cover provided under your Optima Trade Plus policy. It is only a summary and does not contain the full terms and conditions of the contract.
More informationResidential Property Owners Insurance Policy Summary
Residential Property Owners Insurance Policy Summary This is a Policy Summary only and does not contain full terms and conditions of the contract of insurance. These can be found in the Policy document,
More informationTradesmen Policy This is a summary of your policy, giving important information about the cover provided so you can check that it is right for you.
POLICY SUMMARY Tradesmen Policy This is a summary of your policy, giving important information about the cover provided so you can check that it is right for you. Arista Insurance Tradesmen Policy Summary
More informationTradesmen Insurance. Summary of cover
Tradesmen Insurance Summary of cover June 2016 Why choose AXA s Tradesmen Insurance policy? Tailor-made for your business The Tradesmen Insurance is available to self employed people whose business is
More informationRestoration and Renovation Construction Insurance Policy Summary
Restoration and Renovation Construction Insurance Policy Summary This is a policy summary only and does not contain the full terms and conditions of the contract. It does not form part of the contract
More informationProfessionals Insurance. Summary of cover
Professionals Insurance Summary of cover June 2016 Why choose AXA s Professionals Insurance policy? Tailor-made for your business The Professionals Insurance is available to self employed people whose
More informationLV= FLEET INSURANCE POLICY SUMMARY
Policy Underwritten by: Highway Insurance Company Ltd, LV Brentwood, PO Box 9104, Bournemouth, BH1 9DB LV= FLEET INSURANCE POLICY SUMMARY Some important facts about your Fleet Insurance are summarised
More informationOffice & Surgery Insurance Policy Summary
Office & Surgery Insurance Policy Summary This is a Policy Summary only and does not contain full terms and conditions of the contract of insurance. These can be found in the Policy document, a copy of
More informationWholesaler s Insurance Policy Summary
Wholesaler s Insurance Policy Summary This is a Policy Summary only and does not contain full terms and conditions of the contract of insurance. These can be found in the Policy document, a copy of which
More informationRetail Insurance Policy Summary
Retail Insurance Policy Summary This is a Policy Summary only and does not contain full terms and conditions of the contract of insurance. These can be found in the Policy document, a copy of which is
More informationZurich contractors' combined insurance
Zurich contractors' combined insurance This leaflet provides a summary of the significant features, benefits and limitations of the cover provided by the Zurich policy. For full details of the cover including
More informationCommercial legal expenses insurance
Commercial legal expenses insurance Policy Summary Graybrook Criminal Prosecution Scheme The purpose of this Policy Summary is to help you understand the insurance by setting out the significant features,
More informationMotor Trade Combined Insurance Policy Summary
Motor Trade Combined Insurance Policy Summary This is a Policy Summary only and does not contain full terms and conditions of the contract of insurance. These can be found in the Policy document, a copy
More informationProperty Insurance Policy Summary Insurance Provider
Property Insurance Policy Summary This is a summary of the cover provided by your policy and does not contain the full terms and conditions of the cover, which can be found in the policy document. It is
More informationA business insurance package available for self employed persons and small businesses (including limited companies) with up to 5 employees.
Venture Plus Summary of Cover A business insurance package available for self employed persons and small businesses (including limited companies) with up to 5 employees. Cover is available for a wide range
More informationA business insurance package available for self employed persons and small businesses (including limited companies) with up to 5 employees.
VENTURE PLUS Summary of Cover A business insurance package available for self employed persons and small businesses (including limited companies) with up to 5 employees. Cover is available for a wide range
More informationFocus Underwriting. Policy Summary Commercial Legal Expenses Insurance A PARTNER YOU CAN TRUST
Focus Underwriting Policy Summary Commercial Legal Expenses Insurance A PARTNER YOU CAN TRUST The purpose of this Policy Summary is to help You understand the insurance by setting out the significant features,
More informationTaxi, Minibus and Coach
SUMMARY OF COVER Taxi, Minibus and Coach Liability Taxi, Minibus & Coach Liability Insurance Max 10/10 Policy Summary of Cover We are keen to work in partnership with You and avoid any misunderstandings.
More informationProfessional combined Summary of cover
Professional combined Summary of cover Business and management consultants November 2017 Why choose AXA s Professional combined insurance for business and management consultants? AXA s Business and management
More informationCommercial legal expenses insurance
Commercial legal expenses insurance British Association of Dental Nurses Policy Summary A Partner You Can Trust The purpose of this Policy Summary is to help you understand the insurance by setting out
More informationCommercial legal expenses insurance
Commercial legal expenses insurance Policy Summary Painting and Decorating Association A Partner You Can Trust The purpose of this Policy Summary is to help you understand the insurance by setting out
More informationInn Sure Pub Insurance Policy Summary
Inn Sure Pub Insurance Policy Summary This is a Policy Summary only and does not contain full terms and conditions of the contract of insurance. These can be found in the Policy document, a copy of which
More informationTouchstone Underwriting POLICY SUMMARY Commercial Legal Expenses Insurance
Touchstone Underwriting POLICY SUMMARY Commercial Legal Expenses Insurance The purpose of this Policy Summary is to help you understand the insurance by setting out the significant features, benefits,
More informationLandlord s Buildings and Contents Insurance. In partnership with Ellis David Ltd Summary of Cover
Landlord s Buildings and Contents Insurance In partnership with Ellis David Ltd Summary of Cover About this document This summary of cover has been prepared to help you to: - Decide whether this product
More informationTradesmen. Summary of Cover AXA Business Insurance
Tradesmen Summary of Cover AXA Business Insurance Summary of cover About this document This document provides details of the key features and any significant exclusions and conditions of Tradesmen insurance
More informationFine Art Insurance SUMMARY OF COVER.
Fine Art Insurance SUMMARY OF COVER www.ecclesiastical.com 2 SUMMARY OF COVER FINE ART INSURANCE What is a policy summary? This document provides key information about the Fine Art insurance policy. Please
More informationFamily Legal Expenses Platinum Insurance
Family Legal Expenses Platinum Insurance Summary of Cover This Summary of Cover does not contain the full terms and conditions of the insurance contract. Full details of the terms, conditions and exclusions
More informationPAINTING AND DECORATING ASSOCIATION POLICY SUMMARY Commercial Legal Expenses Insurance
PAINTING AND DECORATING ASSOCIATION POLICY SUMMARY Commercial Legal Expenses Insurance The purpose of this Policy Summary is to help members of the Painting and Decorating Association understand the insurance
More informationLIABILITY PLUS. Policy Summary
Policy Summary LIABILITY PLUS This is a summary of the cover provided by the policy and does not contain full details of the limits, terms, exclusions and conditions. These can be found in the policy document,
More informationMINI FLEET KEY FACTS TAILORED COVER FOR MOTOR FLEETS
MINI FLEET KEY FACTS TAILORED COVER FOR MOTOR FLEETS Product Summary This document provides a summary of cover for the Mini Fleet Policy Mini Fleet Policy Please read this document carefully. Full terms
More informationOptima Trade & Professional
Optima Trade & Professional Policy Summary This is a summary of the cover available under the Ageas Optima Trade & Professional policy. It does not include all the policy benefits, limits and exclusions.
More informationTouring Caravan Insurance Policy Summary
Touring Caravan Insurance Policy Summary Caravan Guard Touring Caravan insurance is underwritten by Royal & Sun Alliance Insurance plc (RSA). The Legal Expenses optional cover is provided by Inter Partner
More informationPOLICY SUMMARY Residential Property Owners
POLICY SUMMARY Residential Property Owners This is a summary of your policy, giving important information about the cover provided so you can check that it is right for you Arista Residential Property
More informationTouchstone Underwriting Policy Summary Commercial Legal Expenses Insurance
Touchstone Underwriting Policy Summary Commercial Legal Expenses Insurance The purpose of this Policy Summary is to help you understand the insurance by setting out the significant features, benefits,
More informationMonty Insurance Tradesman & Contractor Policy
Summary of Cover Monty Insurance Tradesman & Contractor Policy About Your Policy This document provides a summary of the cover provided by the Monty Insurance Tradesman & Contractor policy. This summary
More information2. Have you ever traded under a different name? YES NO If YES, please advise details:
CONTRACTORS ALL RISKS PROPOSAL FORM Please answer all questions, completing the form in ink using block capitals. The completion and signature of this Proposal does not bind the Proposer or Insurers to
More informationMINI FLEET KEY FACTS TAILORED COVER FOR MOTOR FLEETS
MINI FLEET KEY FACTS TAILORED COVER FOR MOTOR FLEETS Product Summary This document provides a summary of cover for the Mini Fleet Policy Mini Fleet Policy Please read this document carefully. Full terms
More informationThe County Insurance SME POLICY SUMMARY Commercial Legal Expenses Insurance
The County Insurance SME POLICY SUMMARY Commercial Legal Expenses Insurance The purpose of this Policy Summary is to help you understand the insurance by setting out the significant features, benefits,
More informationYour car is protected with Dayinsure Learner Short Term Insurance from Aviva (UK only)
Your car is protected with Dayinsure Learner Short Term Insurance from Aviva (UK only) Thank You for choosing Us to fulfil your short period car insurance requirements. You can be sure that we ll be there
More informationWILLOW Property Owners Insurance Policy Summary
WILLOW Property Owners Insurance Policy Summary You have purchased your Property Owners Insurance Policy through Simply Business. About this document This summary of cover has been prepared to help you
More informationAdmiral Van: Excess Protection Insurance. Terms and Conditions
Admiral Van: Excess Protection Insurance Terms and Conditions Demands and Needs Statement This policy meets the demands and needs of a driver who needs to pay an excess following the successful settlement
More informationWindscreen Replacement or Repair
Windscreen Replacement or Repair WHO IS YOUR INSURER? This policy has been arranged by Crusader Assistance, 21 High Street, Feltham, Middlesex, TW13 4AG on behalf of Insure Your Motor. This policy is underwritten
More informationMatrix Underwriting Management POLICY SUMMARY Commercial Legal Expenses Insurance
Matrix Underwriting Management POLICY SUMMARY Commercial Legal Expenses Insurance The purpose of this Policy Summary is to help you understand the insurance by setting out the significant features, benefits,
More informationFlood Excess Insurance Policy
Flood Excess Insurance Policy INTRODUCTION Thank You for choosing to purchase this Flood Excess Insurance Policy. It is important that You read this policy document carefully, together with Your Policy
More informationPolicy Summary. Public Liability Insurance for Owners of Horses & Ponies. Specially arranged by SEIB Insurance Brokers.
Public Liability Insurance for Owners of Horses & Ponies Policy Summary Specially arranged by SEIB Insurance Brokers. South Essex Insurance Brokers Ltd are authorised and regulated by the Financial Conduct
More informationCharity and Community Insurance
Charity and Community Insurance SUMMARY OF COVER www.ecclesiastical.com 2 SUMMARY OF COVER CHARITY AND COMMUNITY INSURANCE Policy ref: ME805 What is a policy summary? This document provides key information
More informationYour Motorcycle Insurance Policy Summary
Your Policy Summary Contents Your Motorcycle Insurance Policy Summary...3 Introduction to ebike...4 Cover and Sections Applicable...4 General Exclusions...6 General Conditions...6 page 2 Your Motorcycle
More informationProperty Investors Insurance Policy Summary
Property Investors Insurance Policy Summary This is a Policy Summary only and does not contain full terms and conditions of the contract of insurance. These can be found in the Policy document, a copy
More informationSelf-employed Insurance Policy summary
Self-employed Insurance Policy summary This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be found in the. It is important that you read the carefully
More informationPOLICY WORDING EMPLOYERS LIABILITY
POLICY WORDING EMPLOYERS LIABILITY UK SPECIALTY PI Contents 1. About Your Policy 01 Duty Of Fair Presentation 01 Complaints 01 Compensation Scheme 02 How To Make A Claim 02 The Law That Governs This Policy
More informationYour Additional Windscreen Cover Policy Booklet
Your Additional Windscreen Cover Policy Booklet Contents Your Additional Windscreen Cover...3 Who is your insurer?...3 Certification of cover...3 Important...3 Who administers your policy?...3 Language...3
More informationLegal Expenses cover. Who provides your cover. Words with special meanings. How to make a claim
Legal Expenses cover Please note This optional cover only applies if it is shown on your policy schedule. Who provides your cover This insurance policy is managed and provided by Arc Legal Assistance Limited
More informationMotor Legal Protection Insurance Policy Summary and Policy Wording
Motor Legal Protection Insurance Policy Summary and Policy Wording Motor Legal Expenses Motor Legal Expenses provides: 24/7 Legal Advice; Insurance for legal costs for certain types of disputes. Helpline
More informationThank You for Choosing Qudos for Your Agreed Value Insurance.
Thank You for Choosing Qudos for Your Agreed Value Insurance. This document sets out what is and what is not covered and any special terms that may apply. Please check that it meets your needs and that
More informationMOTOR LEGAL EXPENSES POLICY WORDING TERMS OF COVER
Motor Legal Expenses provides:- 24/7 Legal Advice Insurance for legal costs for certain types of disputes HELPLINE SERVICES Legal Helpline MOTOR LEGAL EXPENSES Use the 24 hour advisory service for telephone
More informationTRADESPEOPLE. Policy Summary
TRADESPEOPLE Policy Summary 2 Tradespeople Policy Summary TRADESPEOPLE Policy Summary Your RSA Tradespeople Policy is an annual contract which may be renewed each year subject to your needs and our terms
More informationCovers we can provide under our Tradesman s' Combined Policy but please note these are only in force if do indicated in your policy schedule:
Policy summary Tradesman s Combined Policy The following summary does not contain the full terms and conditions of the contract which can be found in the policy document. The summary does not form part
More informationEngineering Insurance Equipment Breakdown & Damage Insurance Specification SUD
Engineering Insurance Equipment Breakdown & Damage Insurance Specification SUD Key Facts Summary of Cover This product is designed for mid-market business and provides competitive and essential cover for
More informationTax Fee Protection Insurance Policy. Regulated Version. Arranged by: Qdos Broker & Underwriting Services Limited
Policy Regulated Version Arranged by: Qdos Broker & Underwriting Services Limited Underwritten by: HCC International Insurance Co PLC Page 1 of 11 UK HCC TFP Reg 0117 Tax Fee Protection Insurance Policy
More informationTo ensure that this Policy continues to meet your needs you should review and update your cover periodically.
Summary of Cover iprism Tradesman & Contractor Policy This document provides a summary of the cover provided by the iprism Tradesman & Contractor policy. This summary is provided to you for information
More informationCharity and Community Insurance Ireland
Charity and Community Insurance Ireland SUMMARY OF COVER www.ecclesiastical.ie 2 SUMMARY OF COVER CHARITY AND COMMUNITY INSURANCE What is a policy summary? This document provides key information about
More informationCommercial legal policy
Commercial legal policy Policy Summary Perkins Slade Sports Clubs A Partner You Can Trust The purpose of this summary is to help you understand your insurance policy. It sets out the significant features,
More informationPolicyfast Professional Indemnity
Policyfast Professional Indemnity Policy Summary This is a summary of the cover available under the Policyfast Professional Indemnity policy. It does not include all the policy benefits, limits and exclusions.
More informationPOLICY SUMMARY Residential Property Owners
POLICY SUMMARY Residential Property Owners This is a summary of your policy, giving important information about the cover provided so you can check that it is right for you Policy Summary Policy Summary
More informationPolicy Summary. Leisure & Sport Public Liability Insurance for Owners of Horses & Ponies. Specially arranged by South Essex Insurance Brokers.
Leisure & Sport Public Liability Insurance for Owners of Horses & Ponies Policy Summary Specially arranged by South Essex Insurance Brokers. South Essex Insurance Brokers Ltd. are authorised and regulated
More informationTrades & Professions Insurance
Keep me safe Trades & Professions Insurance Policy document WELCOME TO LV= Thank you for choosing to purchase an LV= Insurance policy Founded in 1843 Liverpool Victoria, which also trades as LV=, is the
More informationVICTOR INSURANCE MULTI COVER CONTRACTORS POLICY SUMMARY OF COVER
VICTOR INSURANCE MULTI COVER CONTRACTORS POLICY SUMMARY OF COVER The Victor Insurance Multi Cover Contractors Policy is an annual policy which has been designed to meet the insurance needs of business
More informationTradesman additional covers. Summary of Cover AXA Business Insurance
Tradesman additional covers Summary of Cover AXA Business Insurance Summary of cover About this document This document provides details of the key features and any significant exclusions and conditions
More informationHeritage Business and Leisure Insurance
Heritage Business and Leisure Insurance SUMMARY OF COVER www.ecclesiastical.com 2 SUMMARY OF COVER HERITAGE BUSINESS AND LEISURE INSURANCE What is a policy summary? This document provides key information
More informationMotor Insurance policy Summary
Motor Insurance policy Summary This is a Policy Summary only and does not contain full details of the limits, terms, conditions or exclusions of the insurance cover. For full details of the insurance cover,
More informationNeed to make a claim? Motor Legal Protection Cover
Need to make a claim? 03300 240 242 Motor Legal Protection Cover. About your cover This is your Motor Legal Protection policy. This cover will run alongside your car insurance policy, provided by Provident
More informationPOLICY SUMMARY Please read carefully and retain. Camper and Caravan Insurance for Touring Caravans
POLICY SUMMARY Please read carefully and retain Camper and Caravan Insurance for Touring ABOUT THIS SUMMARY OF COVER This summary provides a guide to your Touring Caravan policy. Please note that it does
More informationFreelancers Tax Enquiry Insurance Policy
Freelancers Tax Enquiry Insurance Policy Arranged by: Qdos Broker & Underwriting Services Limited Underwritten by: UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE Freelancers
More informationLiability Insurance Statement Of Fact
T 0844 902 9871 E contactus@businesschoicedirect.co.uk W www.businesschoicedirect.co.uk A Unit 21, Basepoint Enterprise Centre, Andersons Road, Southampton SO14 5FE POLICY DOCUMENTATION Ensure you check
More informationMotorhome legal expenses policy
Motorhome legal expenses policy Helplines Motor legal expenses provides: 24/7 legal advice Insurance for legal costs for certain types of disputes Helpline services Legal helpline You can use the helpline
More informationTOTAL HOME PROTECTION KEY FACTS SUMMARY
TOTAL HOME PROTECTION KEY FACTS SUMMARY POLICY SUMMARY This policy summary provides key information about DAS Family and Home Emergency which you should read. It does not contain the full terms and conditions
More informationProperty Investors Protection Plan
Property Investors Protection Plan Summary of Cover An insurance package designed for owners/ landlords of let commercial properties Why choose AXA s Property Investors Protection Plan? Our Property Investors
More informationMotor Taxi Protect Policy Summary
Motor Taxi Protect Policy Summary Motor Excess Protect policy summary Below we have summarised some important facts about your Motor Taxi Excess Protect insurance. This summary does not describe all the
More informationWelcome to Admiral s Goods and Tools Cover. Important Phone Numbers
Goods and Tools Welcome to Admiral s Goods and Tools Cover This booklet describes your contract for Goods and Tools Cover. Please read it carefully along with your current Policy Schedule. This is important,
More informationLegal Expenses and Rent Guarantee
Legal Expenses and Rent Guarantee Insurance Policy Vasek Insurance - 30-34 Hounds Gate, Nottingham NG1 7AB Tel: 0115 950 5052 Fax: 0115 950 5053 Vasek Insurance Services Limited is authorised and regulated
More informationCommercial Landlords Policy Summary
Commercial Landlords Policy Summary The Commercial Landlords product is designed to specifically meet the insurance needs of commercial landlords who wish to ensure their businesses are protected. This
More informationMotor Legal Protection
Motor Legal Protection www.cvd-insurance.co.uk Contents Demands and needs statement...2 Motor Legal Protection Policy Summary...3 Policy Summary...3 Significant Features and Benefits...3 Significant Exclusions
More informationPersonal Accident and Accidental Death Benefit Policy Wording
Personal Accident and Accidental Death Benefit Policy Wording This Policy has been arranged by Motorplus Limited (trading as ULR Additions) with Qdos Broker & Underwriting Services Limited and is underwritten
More informationTop-Up Cover. terms and conditions
Top-Up Cover terms and conditions Demands and Needs Statement This Policy meets the demands and needs of an individual wishing to protect themselves against a financial loss for out of pocket expenses
More informationVan Insurance Summary of cover
Van Insurance Summary of cover About this document This document is a summary of the insurance provided by our Van insurance policy. Therefore it does not contain the full terms and conditions of your
More informationTouring Caravan Summary of Cover
Touring Caravan Summary of Cover We welcome you as a prospective Coast touring caravan customer. Overleaf you will find a brief Summary of Cover. This does NOT contain all the details or the full terms
More informationProfessionals Insurance Policy Summary
Professionals Insurance Policy Summary The Professionals Insurance product is designed to meet the demands and needs of self-employed persons and small businesses (including limited companies) undertaking
More informationPOLICY SUMMARY Motor Trade
POLICY SUMMARY Motor Trade This is a summary of your policy, giving important information about the cover provided so you can check that it is right for you. Arista Insurance Motor Trade Policy Summary
More informationWelcome to Gladiator s Goods and Tools Cover
Goods and Tools Welcome to Gladiator s Goods and Tools Cover This booklet describes your contract for Goods and Tools Cover. Please read it carefully along with your current Policy Schedule. This is important,
More informationSwiftcover Van Insurance
Swiftcover Van Insurance Summary of cover About this document This document is a summary of the insurance provided by our van insurance policy and as such it does not contain the full terms and conditions
More informationCHINA TAIPING INSURANCE (UK) CO LTD MOTOR POLICY SUMMARY
CHINA TAIPING INSURANCE (UK) CO LTD MOTOR POLICY SUMMARY History You are in good hands. China Taiping Insurance (UK) Company Limited received its trading license in 1983 and commenced underwriting business
More informationSummary of Cover. An insurance package for your business suitable for: Why choose the AXA Haulage Vehicle Insurance? Haulage Vehicle Insurance
Haulage Vehicle Insurance Summary of Cover An insurance package for your business suitable for: Hauliers operating up to 5 vehicles within the UK. Hauliers where all drivers are over the age of 25 and
More informationMotorcycle Insurance Documents
Motorcycle Insurance Documents se ect Useful Numbers and information Customer Services If you have any queries regarding this policy, please contact us: Phone: 0800 298 5511 Email: bikes@carolenash.com
More informationCommercial legal policy
Commercial legal policy Policy summary Matrix Underwriting SME/ Commercial A Partner You Can Trust The purpose of this summary is to help you understand your insurance policy. It sets out the significant
More informationResidential Property Owners Policy Summary
Residential Property Owners Policy Summary This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be found in the policy document. It is important that
More informationCOMMERCIAL LANDLORD PROFESSIONAL FEES POLICY
COMMERCIAL LANDLORD PROFESSIONAL FEES POLICY IMPORTANT NOTICE REGARDING THE OPERATION OF THIS POLICY. FAILURE TO COMPLY WITH THESE TERMS COULD MEAN THAT WE DECLINE TO PAY YOUR CLAIM. All potential claims
More informationSchedule to the Policy
Schedule to the Policy 1 Policy Number: SALSALIA/M74221/0330/15 2 Form Number: SJC2010SAUA 3 Insured Name: Ultimate Training Days Ltd & Ultimate TDX Ltd 4 Insured Address: 103 Cranbourne Road, Ashton-under-Lyme,
More informationBusiness Insurance. Summary of cover
Business Insurance Summary of cover This is a brief summary of the cover we will provide if you buy Business Insurance. For full details of the cover, terms and conditions please read the full Policy wording,
More informationCommercial Property Owners
Commercial Property Owners Policy Summary The Commercial Property Owners product is designed to meet the demands and needs of the majority of commercial landlords who wish to ensure their businesses are
More information