Advantage 500 Home Insurance Policy Summary

Transcription

1 Advantage 500 Home 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. For full details of the insurance cover including all terms, conditions and exclusions, please read the document of home insurance and schedule together. Underwriters Syndicate 2007 (Lloyd's of London) managed by Novae Syndicates Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Services Authority and the Prudential Regulation Authority (registration number ). Period of insurance This insurance is for 12 (twelve) consecutive months starting from the start (inception) date shown in your schedule. Type of insurance and cover You can choose from buildings and/or contents insurane and may add further optiions to suit your needs. Lifesure Group Limited will provide you with details of the cover you have chosed and will confimi the sums Insured that you have requested at the time of quotation. Section one: Buildings The buildings of your home The stucture of your home Permanent fixtures and fittings Swimming pools, tennis courts, patios, terraces, car ports, drives, footpaths, walls, hedges, gates and fences Garages and domestic outbuildings within the same site Insured events: Fire, lightning, explosion or earthquake Escape of water or oil Theft or attempted theft Stomi or flood Damage by malicious persons or vandals Riot or civil commotion Impact Subsidence, heave or landslip The building sum insured of 500,000 The excess Damage to gates and fences by stonm or flood Damage by domestic pets Damage to pitch fibre pipes due to pressure from weight of soil or other covering material or gradual deterioration Coverage is limited if the home is unfurnished or unoccupied Optional Extensions: Accidental damage Significant Extensions: Alternative accommodation, loss of rent Tracing a water leak Professional, demolition or local authority fees and expenses Accidental damage to fixed glass including double glazing, shower doors, ceramic hobs and glass oven doors 35,000 5,000 Included in the building sum insured Unlimited, but no building claim can. in total, exceed the 500,000 sum insured Theft of keys We are Lifesure Group Limited and our permitted business is arranging general insurance contracts. Lifesure Group Ltd is Registered In England No; and our address is: 3 Fenice Court, Phoenix Park, Eaton Socon, Cambs, PE19 SEW. Telephone; info@llfesure.co.uk. Lifesure Group Umited is authorised and regulated by the Financial Conduct Authority (FCA) under authorisation number You can check this on the FCA register by visiting becontacting FCA on NOVBK.V AO

2 Section Two: Contents Significant Exclusions:and Limitations The contents within your home Including: Valuables, Works of art & collections Up to 5% of the contents sum insured for any one item, set or collection. Up to 30% of the contents sum insured in total for all valuables works of art and collections. The contents sum insured as stated in the schedule The excess Damage by domestic pets Pedal cycles 1,000 any one pedal cycle; but 2,500 in total for all pedal cycles Accidental damage by cleaning, dyeing, repairing, restoration or maintenance Loss of personal money or credit cards not reported to the police within 72 (seventy-two) hours Personal 500 money Credit Cards 500 Damage to contents in the open by stonm, flood or frost Contents within outbuildings of the home 5,000 if the outbuilding is brick built; but 2,000 if the garage, outbuilding, shed, greenhouse, or summer house is not brick built Theft of students contents or contents in storage unless forcible and violent entry into or exit from the building Coverage is limited in the home is unfurnished or unoccupied Theft by deception unless deception is only used to gain entry to the home. Insured events: Fire, lightning, explosion or earthquake Escape of water or oil Theft or attempted theft Stomi or flood Damage by malicious persons or vandals Riot or civil commotion Impact Subsidence, heave or landslip Optional Extension: Accidental damage

3 Section Two: Contents Other Extensions: Contents in the open Rent and alternative accommodation Oil and metered water Documents Tenants liability for loss or damage Accidental damage to TV's, audio equipment and home computers Gardens (following fire, malicious persons, vandals or theft) Business Contents Students contents Fatal injury (to you or your spouse/civil partner Guests and non-residential domestic staff personal effects 1,000 (and excluding flood, storm or frost) 20% of the total contents sum insured 2, % of the total contents sum insured 1,000 (excluding articles designed to be portable) % of the total sum insured 2,000 (and excluding theft without forced and violent entry or exit) 5,000 (cover applies following either a fire or assault by theives in the home) 1,250 per person and 5,000 in total Section three: Liabilities (automatically included) You and Contingency 1: In or about the home your family Provided - your liability as for legal Buildings is home owner liability insured to pay damage for Contingency 2: In or about the home accidental Provided - your liability as an bodily Contents is occupier of the home injury or insured accidental damage or Contingency 3: Anywhere in the loss to Provided United Kingdom - property : Contents is your liability as an ; insured employer of domestic servants 2,000,000 any one claim, but 10,000,000 in respect of your liability as employer of domestic servants Liability from any trade, business or profession Ownership, possession or use of certain items ; including: Motor vehicles, caravans or trailers Watercraft Aircraft Fireamns Dogs referred to in the dangerous dogs act: Ownership or occupation of land or buildings other than the home insured by this policy i Contingency 4: Anywhere in the world Provided : - your liabilityas : Contents is private individuals Injury to you or your family

4 i Section four; Personal Possessions (including personal money and credit cards) Personal possessions Personal money; and Credit cards anywhere in the United Kingdom and the continent of Europe. Personal Possessions include: valuables personal effects clothing and luggage leisure equipment sports equipment personal money credit cards pedal cycles other property specified in your schedule The Personal Possession sum insured as stated in the schedule The excess Items more than 2,000 in value iviaximum of 500 in respect of personal money and credit cards any pedal cycle valued over 1,000, or more than ^,500 for all pedal cycles Theft from unattended vehicle unless the item is hidden from view within the vehcle; and violence and force is used to get into the vehicle; and the amount is limited to 2,500 or 5% of the contents sum insured (whichever is less) Sports equipment whilst in use Credit card loss other than your financial loss as a direct result of misuse by an unauthorised person Property used for employement business or professional purposes Excess (tlie first part of each claim thatyou must pay) Section of Insurance Excess Section one: Buildings Insured events 6 and 7 (Escape of Water/Escape of Oil) Extension 3 (Plumbing Installations) Insured event 9 (Subsidence, heave, landslip) All other loss or damage 250 each claim 500 each claim 1,000 each claim 100 each claim Section two: Contents Insured events 6 and 7 (Escape of Vyater/Escape of Oil) All other loss or damage 250 each claim 100 each claim Section three: Liabilities Nil Section four: Valuables Away From Your Home 100 each claim

5 General Exclusions General Exclusions are listed below and detailed in full on pages 39 and 40 of your document of home insurance 1. War 2. Ten^orism 3. Nuclear and Radioactive Contamination 4. Deliberate Acts 5. Pressure Waves 6 Contractual Agreements 7. Pollution 8. Date Recognition 9. Biological or Chemical Contamination 10. Existing, Deliberate or Indirect Loss or Damage Important Conditions Conditions you nnust comply with to receive benefit under this policy These conditions are listed below and are detailed in full on pages 13 of your Document Of Home Insurance. 1. Claims Condition 2. Your Duty To Take Care Of Your Property Conditions 3. Permission To Inspect Your Home Condition 4. All Insured Persons Duty To Comply With Policy Conditions and endorsements Changes to your information You must advise us withoutdelay ifany of your information changes. Ifyou fail to do this, we may take the actions outlined in 'Information You Have Given Us' This condition is detailed in full on page 10 of Document of home insurance. Cancellation Cooling Off Period -14 (Fourteen) Days You are entitled to cancel this policy within 14 (fourteen) days or either: the date you receive this insurance document; or the start of the period of insurance whichever is the later. This period is the 'Cooling Off Period*. In this event you need to contact Lifesure Group Limited at: Lifesure Group Limited, 3 Fenice Court, PhoenixPark, Eaton Socon, St Neots, Cambs, PE19 SEW. Telephone: info@lifesure.co.uk If you cancelthis policy within the Cooling Off Period we will provide a full refund ofany premium you have paid. Cancelling outside ofthe Cooling Off Period You can also cancel this policy at any time after the Cooling OffPeriod by contacting Lifesure Group Limited (using the contact details above). If you have not made a claim we will refund any premium you have paid less a pro rata premium forthe cover you have had. Ifyou have made a claim, we will not refund any premium you have paid. Please refer to Lifesure Group Limited's terms of business (which are provided with quotations and each time your policy is issued and also available online at fordetails of cancellation charges that may apply-

6 We can cancel this policy by giving you 30 (thirty) days' notice in writing. We will only do this for a valid reason. Examples of valid reasons are as follows: Non payment of premium (Lifesure Group Limitedwill call you once and write to you once to chase for payment and will then cancel your policy); A change in risk occurring which means that we can no longer provide you with insurance cover; Non-cooperation or failure to supply any information or documentation we request; Threatening or abusive behaviour or the use of threatening or abusive language. Any refund due to you, within or outside of the Cooling Off Period, will be sent to you as soon as practicably possible. Complaints Our aim is to ensure that all aspects of your insurance are dealt with promptly, efficiently and fairly. At all times we are committed to providing you with the highest standard of service. Ifyou have any questions or concerns about your policy or the handling of a claim you should, in the first instance, contact Lifesure Group Limited. Contact details are as follows: Lifesure Group Limited, 3 Fenice Court, Phoenix Park, Eaton Socon, St Neots, Cambs, PE19 SEW Telephone: info@lifesure.co.uk If you remain dissatisfiedand wish to make a complaint, you can do so at any time by refening the matter to either the underwriters or the Complaints team at Lloyd's. Contact details are as follows: Undenwriters: {Contact information for the undenwriters is contained in your schedule) OR Complaintsteam at Lloyd's, Complaints, Lloyd's, One Lime Street, London, EC3M 7HA Telephone: Fax No: complaints@lloyds.com Website: Details of Lloyd's complaints procedures are set out in a leaflet "Your Complaint - How We Can Help" available at and are also available from the above address. If you remain dissatisfied after Lloyd's has consideredyourcomplaint, you may have the right to referyourcomplaint to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent serviceinthe UK forsettling disputes between consumers and business providingfinancial services. You can find more infomriation on the Financial Ombudsman Service at If you have purchased your policy online you can also makea complaint via the EU'sonline dispute resolution (ODR) platfomi. The website for the ODR platfonm Is: http//ec.europ.eu/odr. Making a complaint does not affectyour right to take legal action. How to claim Reporting a claim Contact Direct Group Ltd on Direct Group Ltd is authorised byus to handle claims on our behalf. DirectGroup Ltd, DirectHouse, 4 Sidings Court, Doncaster, South Yorkshire, DN4 5NU Telephone: Compensation The underwriters are covered bythe Financial Services Compensation Scheme. You may be entitled to cornpensation from the Scheme ifan underwriter is unable to meet its obligations to you underthis policy. If you were entitled to compensation under the Scheme, the level and extent ofthe compensation would depend on the nature of this policy. Further Information aboutthe Schemeis available from the Financial Services Compensation Scheme (10th Floor, Beaufort House, 15St Botolph Street, London EC3A 7QU) and on their website: