Zurich contractors' combined insurance
|
|
- Gregory Reynolds
- 5 years ago
- Views:
Transcription
1 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 complete terms, conditions and exclusions please refer to the policy document. The duration of this contract is 12 months.
2 Public and Products Liability This covers your legal liability to pay compensation to third parties for personal injury or damage to property caused in the course of your business, or from your products. Our cover also provides protection against court attendance expenses, defence costs for criminal proceedings brought under Consumer Protection, Food Safety and Health and Safety at Work Acts. You can select limits of liability of either 1m, 2m or 5m for your legal liability to pay compensation to third parties, including: court attendance expenses liability under the Data Protection Acts and Defective Premises Acts indemnity to principals legal defence costs for criminal proceedings brought under the Consumer Protection, Food Safety and Health and Safety at Work Acts libel and slander personal liability during visits abroad cover under JCT Clause 6.5 (formally ), which can be extended if required. professional advice (see Public and Products Liability Sections 1 and 2) liquidated damages, fines or penalties (see Public and Products Liability Sections 1 and 2) replacing, recalling or guaranteeing the performance of any products (see Public and Products Liability Section 2) pollution or contamination unless caused by a sudden, identifiable, unintended and unexpected incident (see Special Conditions applying to Public and Products Liability) work outside of the UK, Channel Islands and the Isle of Man (see 1 Public Liability - what is insured) Handling asbestos (see 1 Public Liability - what is not insured) Special Conditions applying to Public and Products Liability Underground Services If you are carrying out digging, boring or excavation work, you must take reasonable measures to locate underground pipes, cables and other services before you start work which might damage them keep a written record of the measures you take to locate them use a method of work which minimises the risk of damage. Use of heat Blow lamps and blow torches must be filled in the open and must not be lit until immediately before use and must be extinguished immediately after use
3 Employers' Liability This cover is a legal requirement where you employ other people to work for you. Our employers' liability insurance can protect you against your legal liability to pay compensation for injury or disease to employees up to a limit of 10 million. Our cover also provides protection for defence costs and expenses, court attendance expenses and legal defence costs for prosecutions arising from the Health and Safety at Work Act. Your legal liability to pay compensation to employees up to a limit of 10 million including: defence costs and expenses court attendance expenses indemnity to principals work on offshore installations (see Employers' Liability - what is not insured) any liability for which compulsory motor insurance is required (see Employers' Liability - what is not insured). legal defence costs for Health and Safety at Work Act prosecutions
4 Contract Works This covers permanent and temporary works which you are responsible for. Covers loss or damage to the contract works, for which you are responsible, anywhere in the UK, Channel Islands and the Isle of Man including; transit to or from the contract site by road, rail, inland waterway or roll on / roll off ferry indemnity to principal and waiver of subrogation rights against sub-contractors where required by contract conditions offsite storage up to 100,000 debris removal costs up to 10% of the works limit costs of temporary repairs and expediting expenses up to 50% of repair cost or 50,000, whichever is less costs to comply with local authority reinstatement requirements costs of professional fees incurred by you to reinstate the works following damage costs incurred in rewriting or redrawing plans etc following damage Loss of or damage to existing buildings or structures machinery caused by its' own breakdown or explosion works on any off-shore installation We will not pay for the cost of remedying defective design losses discovered during a routine inventory check loss or damage for which you are relieved of responsibility under contract the cost of normal upkeep or making good wear and tear, gradual deterioration or corrosion theft of unfixed non-ferrous metals from unattended sites, unless contained in a secure hut or building liquidated damages, fines or penalties for delay or any other consequential loss (for all above see Contract works - what is not insured) 90 days cover for completed speculative developments whilst awaiting sale
5 Owned Plant This covers loss or damage to all types of contractors' plant including scaffolding, temporary buildings etc belonging to you, leased to you, on hire purchase or on loan to you (but not on hire). Loss of or damage to contractors' plant anywhere in the UK, Channel Islands and the Isle of Man including the cost of recovering any item of plant accidentally immobilised during normal operation loss or damage caused whilst hired-out by you to a third party under standard CPA conditions or equivalent damage caused during crane overload testing or during a multiple lifting operation, provided such operations are carried out in accordance with BS Safe use of Cranes Loss of or damage to plant caused by its' own breakdown or explosion We will not pay for losses discovered at a routine inventory items which are registered for road use, unless they are specifically designed as a tool of trade damage to cutting edges, cables or flexible pipes unless accompanied by the loss of the whole machine damage arising out of wear and tear or gradual deterioration damage resulting from materials being treated by the plant or foreign objects entering the plant with such materials (for all above see Owned Plant - what is not insured).
6 Hired-in Plant This covers your legal liability under the terms of your hire agreement to pay compensation for loss or damage to contractors' plant of all types hired-in by you. Your legal liability under the terms of your hiring agreement to pay compensation for damage to hired-in plant whilst anywhere in the UK, Channel Islands and the Isle of Man including legal defence costs continuing hire charges up to 50,000 the cost of recovering any item of plant accidentally immobilised during normal working hours. Continuing hire charges incurred for the first 24 hours after the damage for any period over 3 months after the damage damage to items which are registered for road use, unless they are specifically designed as a tool of trade (for all above see Hired-in plant - what is not insured) loss or damage caused whilst hired-out by you to a third party under standard CPA conditions or equivalent damage caused during crane overload testing or during a multiple lifting operation, provided you are responsible under the hire contract and such operations are carried out in accordance with BS Safe use of Cranes
7 Cancellation rights If you decide you do not want to accept the policy, or any subsequent renewal of it, please tell us within 14 days of receiving the policy or renewal notice. We may, at our discretion, charge you for the time you have been on cover, including insurance premium tax. Claims To notify a claim please call , 24 hours a day, 365 days a year. Calls are charged at local rate to keep costs low. Complaints procedure We want to provide a first class service. If you have any cause for complaint you should in the first instance, contact either the intermediary who arranged the policy for you, or the branch that issued the policy. Please quote the details of your policy (surname and initials, policy number, departmental reference, etc). If you remain dissatisfied with the response, we will refer your complaint to our Customer Relations Team for a separate review. They will notify you once they receive your complaint and will provide you with a final response when they have completed their inquiries. If we are unable to resolve your complaint to your satisfaction within 8 weeks, or if we have provided you with a final decision letter, you may be able to refer your complaint to the Financial Ombudsman Service (FOS). This is a free and impartial service. The FOS can be contacted on or ed at complaint.info@financial-ombudsman.org.uk The FOS will only consider your complaint if, at the time of notification, you are a private individual, a business with a group annual turnover of less than 1 million, a charity with an annual income of less than 1 million or a trustee of a trust with a net asset value of less than 1 million. Following the Complaints Procedure does not affect your legal rights. Financial Services Compensation Scheme We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation should we be unable to meet our obligations. You may contact the FSCS on or further information is available at Law applicable to the contract UK law allows both you and us to choose the law applicable to the contract. The contract will be subject to the relevant law of the United Kingdom, the Isle of Man or the Channel Islands relating to your address as shown in the schedule. If there is any dispute as to which law applies it shall be English law. The parties agree to submit to the exclusive jurisdiction of the English courts. How we will use your data Zurich Insurance plc holds data in accordance with the Data Protection Act It may be necessary for us to pass data to other organisations that supply products and services associated with this contract of insurance. In order to verify information, or to prevent and detect fraud, we may share information you give us with other organisations and public bodies, including the Police, accessing and updating various databases. If you give us false or inaccurate information and we suspect fraud, we will record this and the information will be available to other organisations that have access to the database(s). We can supply details of the databases we access or contribute to, on request. Zurich Insurance plc A public limited company incorporated in Ireland Registration No Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland UK branch registered in England and Wales Registration No. BR7985 UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ Authorised by the Irish Financial Regulator and subject to limited regulation by the Financial Services Authority. Details about the extent of our regulation by the Financial Services Authority are available from us on request. FSA registration number These details can be checked on the FSA's register by visiting their website or by contacting them on Communications may be monitored or recorded to improve our service and for security and regulatory purposes. Copyright Zurich Insurance plc All rights reserved. Reproduction, adaptation, or translation without prior written permission is prohibited except as allowed under copyright laws.
Shop. Policy Summary. Significant features and benefits Completion of a proposal form is not required, a statement of facts will be provided.
Shop Policy Summary This leaflet provides a summary of the significant features, benefits and limitations of the cover provided by the Zurich Insurance plc Shop Policy. The full terms, conditions and exclusions
More informationShop. Policy summary. Type of insurance and cover. Significant features and benefits. Automatic covers include
Shop Policy summary This leaflet provides a summary of the significant features, benefits and limitations of the cover provided by the Zurich Insurance plc Shop Policy. The full terms, conditions and exclusions
More informationExcess Public and Products Liability. Policy document
Excess Public and Products Liability Policy document Contents The cover 6 Definitions 7 Conditions 8 Our complaints procedure 9 2 A warm welcome to Zurich Thank you for taking out your Excess Public and
More informationThird Party, Fire and Theft. Summary of Cover
Third Party, Fire and Theft Summary of Cover Summary of cover Important you should read this What cover do I have? Your Zurich Insurance plc Third Party Fire and Theft policy will cover you for any damage
More informationMarine Third Party Liability Insurance
Marine Third Party Liability Insurance Summary of cover navandgen.co.uk The Navigators & General Marine Third Party Liability Insurance Summary of cover The Navigators & General Marine Third Party Liability
More informationSmall Craft. Summary of cover and benefits. navandgen.co.uk
Small Craft Summary of cover and benefits navandgen.co.uk Important you should read this What cover do I have? Your Small Craft Policy will cover you for any damage to your craft (sustained in an accident,
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 informationExcess Employers Liability. Policy document
Excess Employers Liability Policy document Contents A warm welcome to Zurich 3 Your Excess Employers Liability policy 3 Section 1 definitions 5 Section 2 the cover 5 Section 3 exclusions 5 Section 4 conditions
More informationHair and Beauty. Policy summary
Hair and Beauty Policy summary This leaflet provides a summary of the significant features, benefits and limitations of the cover provided by the Zurich Insurance plc Hair and Beauty Policy. The full terms,
More informationExcess Public and Products Liability. Policy document
Excess Public and Products Liability Policy document Contents A warm welcome to Zurich 3 Your Excess Public and Products Liability policy 3 Section 1 definitions 5 Section 2 the cover 5 Section 3 conditions
More informationElite Rowing Scheme. Summary of cover
Elite Rowing Scheme Summary of cover Important you should read this This leaflet provides a summary of the significant features, benefits and limitations of the cover provided by the Elite Rowing Scheme
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 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 informationUltimate Home Zurich Private Clients
Summary of cover Ultimate Home Zurich Private Clients This document provides a summary of the significant features, benefits, exclusions and limitations of the cover provided by the Zurich Private Clients
More informationLoss of Licence. Policy document
Loss of Licence Policy document Contents A warm welcome to Zurich 3 Definitions 5 The Cover 5 Exceptions 5 Conditions 5 Our complaints procedure 7 2 A warm welcome to Zurich Thank you for taking out your
More informationMaking insurance simple. Insight guide for non-profit organisations
Making insurance simple Insight guide for non-profit organisations Contents 04 Introduction. 05 Compulsory insurance. 06 What types of insurance do you need? 07 Do you have employees? 08 Do you have volunteers?
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 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 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 informationTrades & Professions Insurance Policy Summary
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
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 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 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 informationSummary of cover. Important you should read this
Important you should read this Summary of cover This leaflet provides a summary of the significant features, benefits and limitations of the cover provided by the Zurich Municipal Select for Social Housing
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 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 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 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 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 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 informationMAKING MUSIC INSURANCE SCHEME POLICY SUMMARY
MAKING MUSIC INSURANCE SCHEME MAKING MUSIC INSURANCE SCHEME This is a policy summary only and does not contain the full terms and conditions of the policy. Full terms and conditions can be found in the
More informationSUMMARY OF COVER PROPERTY POLICY
SUMMARY OF COVER PROPERTY POLICY Policy Numbers: Insurer: JG679X17C - Shared Ownership and Leaseholder Housing Stock (including L&Q New Homes Ltd) JG679X17A - Rented Stock, Commercial Units JG679X17A -
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 informationMAKING MUSIC INSURANCE SCHEME POLICY SUMMARY MAKING MUSIC INSURANCE SCHEME POLICY SUMMARY
MAKING MUSIC INSURANCE SCHEME POLICY SUMMARY MAKING MUSIC INSURANCE SCHEME POLICY SUMMARY MAKING MUSIC INSURANCE SCHEME POLICY SUMMARY This is a policy summary only and does not contain the full terms
More informationMotor Insurance. Policy
Motor Insurance Policy About your Policy Insurance policies are legal contracts and your insurance documents serve as evidence of the contract you have made with us. To understand exactly what cover we
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 informationShop Retailers, Salons, Pubs and Restaurants. Policy summary
Shop Retailers, Salons, Pubs and Restaurants Policy summary This leaflet provides a summary of the significant features, benefits and limitations of the cover provided by the Zurich Insurance plc Shop
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 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 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 informationMobile Phone Insurance
Mobile Phone Insurance Policy Number FD070104M Cover is for First Directory holder(s) Maximum 2 claims per First Directory holder in a policy year 1000 limit per claim less a 50 excess you will need to
More informationThank you for choosing Navigators and General for your Stand Up Paddleboard Full Cover Insurance. Definitions
Page 1 of 6 Stand Up Paddleboard Full Cover Insurance - Policy Document Thank you for choosing Navigators and General for your Stand Up Paddleboard Full Cover Insurance Your policy This policy is an agreement
More informationAn insurance package designed for flat owners and residents of blocks of flats.
FLATS INSURANCE Summary of Cover An insurance package designed for flat owners and residents of blocks of flats. Why choose AXA s Flats Insurance? AXA s Flats Insurance Policy offers you comprehensive
More informationPension Trustees Liability. Policy document
Pension Trustees Liability Policy document Contents How we use your information 3 Your Pension Trustees Liability policy 5 Definitions 6 The cover 7 Exclusions 9 Conditions 10 Arbitration clause 12 Extensions
More informationArts and Culture Insurance Ireland
Arts and Culture Insurance Ireland SUMMARY OF COVER www.ecclesiastical.ie 2 SUMMARY OF COVER ARTS AND CULTURE INSURANCE What is a policy summary? This document provides key information about the Arts and
More informationAXA Truckcover Transit. Summary of Cover. An insurance package for your business available for hauliers with a maximum of 10 vehicles.
AXA Truckcover Transit Summary of Cover An insurance package for your business available for hauliers with a maximum of 10 vehicles. This product is not suitable for hauliers who are freight forwarding
More informationAviva Motor Policy Summary and Important Information
Aviva Motor Policy Summary and Important Information 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 documentation. It is
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 informationHome Insurance Important Information. Please read this and keep it for reference.
Home Insurance Important Information Please read this and keep it for reference. Important information about first direct Explaining first direct s service Your home insurance policy is provided by Aviva
More informationSummary of cover. Important you should read this
Important you should read this Summary of cover This leaflet provides a summary of the significant features, benefits and limitations of the cover provided by the Zurich Municipal Select for Social Housing
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 informationAn insurance package for your business available for Hauliers with a maximum of 5 vehicles.
Hauliers Choice Summary of Cover An insurance package for your business available for Hauliers with a maximum of 5 vehicles. This product is not suitable for Hauliers who are tanker operators, livestock
More informationFarm Motor insurance. Policy summary
Farm Motor insurance Policy summary Introduction This document is a summary of the insurance cover provided by our Farm Motor insurance policy and, as such, it does not contain all of the policy benefits,
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 informationThe maximum amount Insurers will pay in the event of a claim is the Sum Insured or Limit shown within your Policy wording or Policy schedule.
COUNCIL COMMERCIAL COMBINED Policy Summary March 2017 This document is a summary of the insurance cover provided by the Council Combined policy and, as such, it does not contain the full terms and conditions
More informationLocal Council Policy Schedule
Mrs Alison Kunaj Neston Town Council Town Hall High Street Neston Cheshire CH64 9TR Local Council Policy Schedule The Policy, the Policy Schedule, any Certificates of Insurance and Endorsements form one
More informationEducation insurance SUMMARY OF COVER.
Education insurance SUMMARY OF COVER www.ecclesiastical.com 2 SUMMARY OF COVER EDUCATION INSURANCE Policy ref: ME794 What is a policy summary? This document provides key information about the Education
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 informationLoss of Licence. Policy document
Loss of Licence Policy document Contents How we use your information 3 Your Loss of Licence policy 5 Definitions 6 The cover 6 Exceptions 6 Conditions 6 Our complaints procedure 9 2 How we use your information
More informationUNDERGROUND SERVICE STRIKES
UNDERGROUND SERVICE STRIKES GUIDELINES FOR CONSTRUCTION COMPANIES An underground service strike can lead to injury or loss of life and the costs to your business can be substantial. This short guide is
More informationR&Q Commercial Risk Services Limited Contractors All Risks and Liability Combined Insurance Summary of Cover
R&Q Commercial Risk Services Limited Contractors All Risks and Liability Combined Insurance Summary of Cover July 2016 Edition Contractors All Risks and Liability Combined Liability Insurance Policy Overview
More informationWORKING FROM HOME. Summary of Cover
WORKING FROM HOME Summary of Cover An insurance package for your business available for many occupations where the business is home based. Why choose AXA s Working From Home Package? Tailor-made for Your
More informationLIABILITY. Policy Summary
LIABILITY Policy Summary 2 Liability Policy Summary LIABILITY Policy Summary This policy is an annually renewable Liability insurance, underwritten by Royal & Sun Alliance Insurance plc. which may be renewed
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 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 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 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 informationYour Policy Schedule. Select for Academies. Langtree School. Reading Road. Woodcote. Reading RG8 ORA
Langtree School Reading Road Woodcote Reading RG8 ORA Your Policy Schedule Select for Academies The Policy, the Policy Schedule, Certificates of Insurance and Endorsements form one document and should
More informationMobile Phone Insurance Policy Number FD070104M
Mobile Phone Insurance Policy Number FD070104M Cover is for First Directory holder(s) Maximum 2 claims per First Directory holder in a policy year 1000 limit per claim less a 50 excess you will need to
More informationClaims Line
Claims Line 0844 888 7363 Mobility Scooter Policy Booklet Introduction This policy explains the terms of the insurance contract between you and us. The contract is based on the information you have given
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 informationNURSERIES INSURANCE SUMMARY OF COVER 1 PRODUCT SECTOR DOCUMENT TYPE 1. summary of cover NURSERIES INSURANCE. Version4
NURSERIES INSURANCE SUMMARY OF COVER 1 PRODUCT SECTOR DOCUMENT TYPE 1 summary of cover NURSERIES INSURANCE Version4 Contents Introduction 3 Property damage 4 Equipment breakdown 7 Business interruption
More informationHEALTH & MEDICAL. Policy Summary
HEALTH & MEDICAL Policy Summary 2 Health & Medical Policy Summary HEALTH & MEDICAL Policy Summary Your RSA Health & Medical Policy is an annual contract which may be renewed each year subject to your needs
More informationPolicy wording. Contractors Combined
Policy wording Contractors Combined June 2016 General introduction section Contents of this section Welcome to AXA 3 Your policy 4 Meanings of defined terms 5 Policy conditions 6 Making a complaint 10
More informationRetailers summary of cover
Retailers summary of cover September 2014 Why choose AXA s Retailers Insurance policy? The Retailers Insurance offers a range of covers and caters for customers who operate up to 5 shops. Cover applies
More informationHSBC Insurance Aspects: Mobile Phone Insurance
HSBC Insurance Aspects: Mobile Phone Insurance Policy Terms and Conditions Effective from 1 May 2016 Please read this policy document and keep it for reference This document is available in large print,
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 informationHSBC Insurance Aspects: Mobile Phone Insurance
HSBC Insurance Aspects: Mobile Phone Insurance Policy Terms and Conditions Effective from 1 July 2018 Please read this policy document and keep it for reference This document is available in large print,
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 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 informationStair Lift Warranty & Accidental Damage
Stair Lift Warranty & Accidental Damage Policy Wording Ver 007_001 04/18 Policy definitions Wherever the following words and phrases appear in this policy they will always have these meanings. Breakdown
More informationZurich Standard 10. New Home Structural Defects Insurance Policy
Zurich Standard 10 New Home Structural Defects Insurance Policy Contents Zurich Standard 10 Introduction 3 Definitions 4 The Insurance Section 1 8 Section 2 9 Section 3 11 Section 4 13 Conditions 14 Disputes
More informationProperty Owners Insurance
Property Owners Insurance POLICY SUMMARY This is a summary only and you should refer to the full terms and conditions in your policy documents or consult your broker for more information. Product name:
More informationH i r e C a r C ove r
Hire Car Cover Page 1 of 8 1 st Central HIRE CAR POLICY SUMMARY This Policy Summary provides key information about the 1 st Central Hire Car Policy and does not contain the full terms and conditions of
More informationfor County Boards, Associations and Leagues POLICY Schedule
for County Boards, Associations and Leagues POLICY Schedule Policyholder Name and Address BERKSHIRE CRICKET FOUNDATION Mark Roche Kingfisher Court Business Centre Unit 1b Kingfisher Court Hambridge Lane
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 informationContract Works Construction. Policy document
Contract Works Construction Policy document Contents A warm welcome to Zurich 3 Your Contract Works Construction policy 3 Contract Works Construction policy Section 1 5 Employees personal tools and effects
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 informationInsurance and Risk Management. Giving your independent school peace of mind
Insurance and Risk Management Giving your independent school peace of mind You are in safe hands As one of the leading providers of risk and insurance solutions to the UK s education sector, we appreciate
More informationAn insurance package designed for flat owners and residents of blocks of flats.
Flats Insurance Summary of Cover An insurance package designed for flat owners and residents of blocks of flats. Why choose AXA s Flats Insurance? AXA s Flats Insurance Policy offers you comprehensive
More informationPolicy Summary Perkbox/Mobiru NOV 2017
Policy Summary Perkbox/Mobiru NOV 2017 MOBIRU MOBILE PHONE INSURANCE POLICY SUMMARY This policy summary does not contain the full terms and conditions of the insurance. For full details of the cover provided
More informationDeterioration of Stock. Policy document
Deterioration of Stock Policy document Contents A warm welcome to Zurich 3 Your Deterioration of Stock policy 3 Deterioration of Stock 5 Limit of liability 5 Conditions 5 Claims conditions 5 Exclusions
More informationVan Hire. policy booklet
Van Hire policy booklet Introduction to your Van Hire cover Page Definitions 2-3 Insurance services Introduction to Van Hire cover 4 Compliments and complaints 5 If you need to claim 6 Insurance cover
More informationFREELANCE CONTRACTORS PUBLIC (& EMPLOYERS) LIABILITY INSURANCE POLICY SUMMARY
FREELANCE CONTRACTORS PUBLIC (& EMPLOYERS) LIABILITY INSURANCE POLICY SUMMARY LH-DOC157-3 MUM LH Liab 05 18 2 Freelance Contractors Public (& Employers) Liability Insurance Policy summary This is a summary
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 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 informationRestaurants, Wine Bars and Public Houses Insurance
Restaurants, Wine Bars and Public Houses Insurance Summary of Cover October 201 Edition An insurance package for Restaurants, Wine Bars and Public Houses. Why choose AXA s Restaurants, Wine Bars and Public
More informationTour Operators and Travel Agents Combined Liability Policy Overview
Tour Operators and Travel Agents Combined Liability Policy Overview Policy Overview This is a policy overview only and does not contain full terms and conditions of the contract of insurance. Some covers
More informationProperty Investors Insurance
Property Investors Insurance SUMMARY OF COVER www.ecclesiastical.com 2 SUMMARY OF COVER PROPERTY INVESTORS Property damage Cover is offered under our Property Investors insurance policy on a selected perils
More information