HOME CONTENTS INSURANCE Designed Exclusively for Residents of:
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1 HOME CONTENTS INSURANCE Designed Exclusively for Residents of: Aon UK Limited, Tenant Insurance Services, are offering YOU the chance to apply for low cost Home CONTENTS Insurance THIS COVER CONSISTS OF TWO PARTS - PART A STANDARD COVER (PAGE 1&3) AND PART B ADD ON COVER* - THIS IS AN OPTIONAL EXTENSION (PAGE 2&4). * Add On Cover - Insurance for loss and/or damage to jewellery, furs, personal effects, spectacles, hearing aids, dentures, surgical and/or medical appliances, wheelchairs and scooters, which are valued at over 500 per single item or 3,000 in total. Optional extensions include pedal cycles, personal money and credit cards. YOU CAN ONLY TAKE OUT ADD ON COVER IF YOU HAVE THE STANDARD COVER POLICY Your Insurance Requirements This product meets the insurance requirements of those who wish to ensure they are covered against specific events causing loss or damage to the CONTENTS of their residence and personal effects in or outside of the home and any Add On cover that YOU have selected on the application form. Please refer to the Policy Summary and Policy Wording for full details of the cover provided and exclusions. YOU have not received any advice or recommendation from Aon UK Limited, for this Home CONTENTS insurance contract. Read the Important Information on Page 2 and query anything YOU do not understand. PART A - Standard Policy Only What To Do Now 1. Using the table below work out how much it would cost YOU to replace all your belongings Please remember it is your responsibility to make sure YOU have selected the sum insured which adequately covers all of your belongings. If not, any claims YOU make may not be paid in full. Cost of Insurance Costs include Insurance Premium Tax at the current rate. Use the table to work out how much your premium is going to be. The renewal date for this policy is 1st April, so the premium YOU pay now will depend on the month YOU join. Sum Insured April May June July Aug Sept Oct Nov Dec Jan Feb Mar 6, , , , , , , , NB There will be an additional cost if YOU take out the Add On Cover. Rates are effective 1st October Complete the application form on Page 3 and send it along with your payment to: Aon UK Limited, 3rd Floor, Mercury Place, 11 St. George Street, Leicester, LE1 1DR Tel: Please keep Pages 1 and 2 for your records and take a copy of Page 3 if required. 3. Payment can be made by cheque or postal order, payable to Aon UK Limited, or by credit or debit card. If YOU would like to pay by credit/debit card please complete the card details on Page 3 Standard Cover Application Form. 4. When WE have processed your application, evidence of insurance cover will be issued to YOU. Page 1
2 PART B - Add On Cover Only What To Do Now 1. Please complete the application form on Page 4 and take a copy for your records. 2. It is important that YOU should ensure the values given on the application form are adequate, as under-insurance may reduce the amount of recovery in the event of a claim. NOTE TO QUESTIONS 5 & 6 ON THE ADD ON APPLICATION FORM: In respect of Questions 5a - h and 6a all items over 500 in value must be listed separately showing the values of each item. The list must be submitted with the application form, together with evidence of value. 3. Please send completed form to Aon UK Limited, 3rd Floor, Mercury Place, 11 St. George Street, Leicester, LE1 1DR. 4. FOR THE ADD ON COVER: Once WE receive your completed form WE will send YOU a quote for the addtional premium. 5. Please note YOU are not on cover for the Add On cover until the quote is accepted. IMPORTANT NOTICE 1. This policy is available to residents of Hanover Group or any organisation where Hanover Housing Association has control. If YOU are no longer associated with Hanover Group or Hanover Housing Association, YOU must advise US as soon as possible, and your policy will be terminated. 2. WE recommend that YOU keep a record (including copies of letters) of all information provided to US for your future reference. A copy of the completed application form will be supplied on request within a period of three months after its completion. 3. In the event of a claim, please contact Broadspire, hanoverclaims@broadspiretpa.com or Telephone Policy EXCESS: No policy EXCESS will apply. 5. If your property is left UNOCCUPIED for more than 30 consecutive days, please contact US on as some cover will be restricted and some will not apply unless an endorsement is applied for. 6. For your protection telephone calls may be recorded or monitored. This Insurance Policy is underwritten by Lloyd s Syndicate Managed by Canopius Managing Agents Ltd at Lloyd s, One Lime Street, London EC3M 7HA, United Kingdom. WE have only approached this INSURER for this Product. ** Your Duty to make a fair presentation of the Risk In deciding to accept this insurance and in setting the terms and premium, WE have relied on the information YOU have given US. YOU must take care to provide complete and accurate answers to the questions WE ask YOU. If YOU become aware that information that YOU have supplied at any time (including when making a claim) is incorrect or incomplete YOU should tell US quickly. YOU must also tell US quickly about any changes which substantially increase the risk, or relate to your compliance with a warranty or condition in the insurance policy. Failure to do so may render the contract of insurance voidable from inception at the option of the INSURER and enable them to repudiate liability. Please contact Aon UK Limited, 3rd Floor, Mercury Place, 11 St. George Street, Leicester, LE1 1DR Tel: if YOU have any questions. The INSURER(S) shall be entitled to amend the terms and conditions of the policy and to charge an additional premium from the date of the alteration. Data Protection Act - Information Uses From time to time other organisations which must be registered under the Data Protection Act will be permitted to write to YOU about their products or services. If YOU would prefer NOT to hear from such organisations please tick this box. Insurance Administration Information YOU supply may be used for the purposes of insurance administration by the INSURER, its associated companies and their respective agents, by reinsurers and your intermediary. It may be disclosed to regulatory bodies for the purposes of monitoring and or enforcing the INSURERS compliance with any regulatory rules codes. Your information may also be used for offering renewal, research and statistical purposes and crime prevention. It may be transferred to any country, including countries outside the European Economic Area for any of these purposes and for systems administration. In assessing any claims made, the INSURERS or their agents may undertake Page 2
3 checks against publicly available information, (such as electoral roll, county court judgements, bankruptcy orders or repossessions). Information may also be shared with other insurers either directly or via those acting for the INSURER, (such as loss adjusters or investigators). With limited exceptions and on payment of an appropriate fee YOU have a right to access and if necessary rectify information held about YOU. Sensitive Data In order to assess the terms of the insurance contract or administer claims which arise, the INSURER will need to collect data which the Data Protection Act defines as sensitive, (such as medical history or criminal convictions). By proceeding with this application, YOU will signify your consent to such information being processed by the INSURER or their agents. Fraud Prevention and Detection In order to prevent and detect fraud WE may at any time: Share information about YOU with other organisations and public bodies including the Police; Check and/or file your details with fraud prevention agencies and databases, and if YOU give US false or inaccurate information and WE suspect fraud, WE will record this. WE and other organisations may also search these agencies and databases to: Help make decisions about the provision and administration of insurance, credit and related services for YOU and members of your household; Trace debtors or beneficiaries, recover debt, prevent fraud and to manage your accounts or insurance policies; Check your identity to prevent money laundering, unless YOU furnish US with other satisfactory proof of identity; Undertake credit searches and additional fraud searches. WE can supply on request further details of the databases WE access or contribute to. Claims History Under the conditions of your policy YOU must tell US about any insurance related incidents (such as fire, water damage, theft or an accident) whether or not they give rise to a claim. When YOU tell US about an incident WE will pass information relating to it to a database. WE may search these databases when YOU apply for insurance, in the event of any incident or claim, or at time of renewal to validate your claims history or that of any other person or property likely to be involved in the policy or claim. YOU should show these notices to anyone who has an interest in property insured under this policy. Our Promise of Service Our goal is to give excellent service to all our customers but WE recognise that things do go wrong occasionally. WE take all complaints WE receive seriously and aim to resolve all of our customers problems promptly. To ensure WE provide the kind of service YOU expect WE welcome your feedback. WE will record and analyse your comments to make sure WE continually improve the service WE offer. If YOU have any questions or concerns about your policy or the handling of a claim YOU should, in the first instance contact: Aon UK Limited, Tenant Insurance Services, 3rd Floor, Mercury Place, 11 St. George Street, Leicester, LE1 1DR Tel: Central.Complaints@aon.co.uk. What will happen if YOU complain? Lloyd s operates a two stage complaints process. In the first instance, WE will review your complaint and hope to resolve the matter. WE will investigate the circumstances regarding your complaint and write to YOU within two weeks with our response. If YOU are not satisfied with our response, or have not heard from US within two weeks, YOU are entitled to refer the matter to Lloyd s. Lloyd s will then conduct a full investigation of your complaint and provide YOU with a written final response. If, following our review, YOU wish to ask Lloyd s to investigate your complaint YOU may do so by contacting: Complaints Lloyd s Fidentia House, Walter Burke Way Chatham Maritime, Chatham Kent ME4 4RN Tel , Complaints@lloyds.com The Client Number, appearing on your SCHEDULE OF INSURANCE, should be quoted. Page 3
4 Complaints that cannot be resolved by the Complaints Department may be referred to the Financial Ombudsman Service. The Client Number, appearing on your SCHEDULE OF INSURANCE, should be quoted. The address is: The Financial Ombudsman Service Exchange Tower London E14 9SR Telephone: (for landline users), (for mobile users) Following the complaints procedure does not affect your right to take legal action. Law applicable to the contract The Law of England and Wales will apply to this contract unless: 1) YOU and the INSURER agree otherwise; or 2) At the date of the contract YOU are a resident of (or, in the case of a business, the registered office or principal place of business is situated in Scotland, Northern Ireland, Channel Islands or the Isle of Man, in which case (in the absence of agreement to the contrary) the law of that country will apply. Standard Cover Application Form Please tick the appropriate box: Tenant Leaseholder Please complete questions 1-7 below using block letters and tick correct boxes where necessary 1. Full Name (or names of all applicants if more than one policyholder) Mr, Mrs, Miss Ms First Names Surname Name Mr, Mrs, Miss Ms First Names Surname Name 1a. Date of Birth Date of Birth 2. Address (please also provide the full correspondence address if different) Postcode 3. Telephone Number 4. Sum Insured required 5. Date when YOU want insurance cover to begin (see table on Page 1) (subject to confirmation by US) 6. Is your property Yes No a. Is your property UNOCCUPIED when YOU commence this insurance? b. Will your property become UNOCCUPIED during the period of insurance for more than 30 days? c. Your permanent private residence and not used for any business or professional purposes? d. Has any property within 250 metres flooded within last 25 years? e. Is your property within 250 metres of any rivers, streams or tidal waters? f. Has your property been flooded in the last 25 years? g. Is it a House Bungalow or a Flat If your property is a flat h. Is it self contained? If NO, please give details i. If your property is a flat, on which floor is it situated? 7. Have YOU (or anyone permanently living with YOU): Yes No a. Been refused insurance or had special terms or conditions imposed by an INSURER? b. Had any household insurance cancelled? c. Made a claim to any insurer in the last 5 years, in respect of any household CONTENTS insurance? d. Suffered loss/damage while not insured which WOULD have resulted in a claim if a household CONTENTS policy had been in force at the time? Page 4
5 e. Been convicted of any criminal offence or have any prosecution pending other than for motor offences? IF YOU HAVE TICKED ANY OF THE SHADED BOXES, PLEASE GIVE DETAILS ON A SEPARATE SHEET AND SEND WITH COMPLETED STANDARD COVER APPLICATION FORM. Declaration I/WE declare that: The information I/WE have given is true and complete to the best of my/our knowledge and belief, whether in my/our own hand or not, and I/WE have not withheld any information where it is **Your Duty to make a fair presentation of the Risk**. I/WE understand that non-disclosure or misrepresentation of any information where it is **Your Duty to make a fair presentation of the Risk** could result in the policy being invalidated and/or any claims not being paid or not being paid in full. The sum insured under this application is the full value of the household CONTENTS to be insured (less wear and tear where appropriate). I/WE acknowledge that, if I/WE cancel, I/WE must give written notice. I/WE have read the information relating to the Data Protection Act, Complaints Procedure and Applicable Law on page 2. I/WE understand that the information on this form and information about any incident I/WE may give details of, will be passed to IDS Ltd so that they can make it available to other insurers. I/WE understand that in response to any searches that may be made in connection with this application, or any incident I/WE have given details of, IDS Ltd may pass to my/our INSURER information it has received from other insurers about other incidents involving anyone insured under this policy. SIGNED (by the Proposers) 1)...Date... 2)...Date... PLEASE ENSURE THAT YOU SIGN AND DATE THE APPLICATION FORM TO EFFECT COVER. Please send completed form to: Aon UK Limited, 3rd Floor, Mercury Place, 11 St. George Street, Leicester, LE1 1DR. PAYMENT DETAILS: If YOU would like to pay by credit or debit card, please complete the card details below: If YOU would like US to call YOU when the policy is processed for payment please tick the Box Card type... Card no.... Card holder... Security number (last 3 digits on reverse of card)... Start date... Issue number (if applicable)... Expiry date... If YOU are paying by cheque please make payable to Aon UK Limited. Page 5
6 Add On Cover Application Form For Office Use Only ADD ON COVER IS ONLY AVAILABLE IF YOU HAVE A STANDARD COVER POLICY. ADD ON COVER IS FOR LOSS AND/OR DAMAGE TO JEWELLERY, FURS, PERSONAL EFFECTS, SPECTACLES, HEARING AIDS, DENTURES, SURGICAL AND/OR MEDICAL APPLIANCES, WHEELCHAIRS AND SCOOTERS, WHICH ARE VALUED AT OVER 500 PER SINGLE ITEM OR 3,000 IN TOTAL. OPTIONAL EXTENSIONS INCLUDE PEDAL CYCLES, PERSONAL MONEY AND CREDIT CARDS. WE WILL PROVIDE YOU WITH A QUOTE UPON RECEIPT OF THE COMPLETED ADD ON APPLICATION FORM. 1. PROPOSER S FULL NAME (Mr/Mrs/Miss/Ms (or names of all applicants if more than one policyholder) 2. ADDRESS OF PREMISES TO WHICH THE INSURANCE APPLIES If not already provided on Standard Cover Application Form. Telephone No 3. COVER TO COMMENCE FROM: (SUBJECT TO ACCEPTANCE OF QUOTE) 4. PROTECTION OF THE PREMISES It is important to give as full a description as possible Please tick YES a) Locks on all external doors b) Window locks or catches c) Burglar alarms d) Safes e) Other protections NO If YOU have ticked any of the shaded boxes please give details in the box below 5. State VALUES to be insured (any item over 500 must be listed separately and the list submitted with evidence of value) a) JEWELLERY b) FURS c) BAGGAGE AND PERSONAL EFFECTS d) SPECTACLES e) HEARING AIDS f) DENTURE/SURGICAL AND/OR g) WHEELCHAIRS MEDICAL APPLIANCES h) SCOOTERS NB. A minimum Premium of including Insurance Premium tax at the current rate applies. 6. EXTENSIONS TO THE CATEGORIES OF PROPERTY (tick if required) YES NO VALUE a) PEDAL CYCLE a. b) i PERSONAL MONEY (Limit 300) within the geographical limits in Policy. bi. 300 ii CREDIT CARDS (Limit 300) within the geographical limits in Policy. ii PREVIOUS HISTORY a) Name of previous insurers b) Date of expiry of policy c) Has any INSURER declined to accept, cancelled, refused to continue or agreed to continue only on special terms, any insurance for the proposer or any other person whom this insurance would apply? YES NO If YES to 7c, give details Page 6
7 8. Has the proposer, or any other person whose property is to be insured hereunder, sustained any loss or damage during the last five years which would have been covered by this type of insurance, had it been in force. YES NO If YES, state approximate date of each loss or damage, circumstances and amount thereof, and with whom the property was insured. SIGNED (by the Proposers) 1)...Date... 2)...Date... PLEASE ENSURE THAT YOU SIGN AND DATE THE APPLICATION FORM. Please send completed form to Aon UK Limited, 3rd Floor, Mercury Place, 11 St. George Street, Leicester, LE1 1DR. Page 7
8 Page 8 Hanover application form, Managed Programmes, PGP October 2016 v17
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