Self-employed Insurance Policy summary
|
|
- Morgan Moody
- 5 years ago
- Views:
Transcription
1 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 when you receive it. Who is the insurer? The insurer of this policy is CIS General Insurance Ltd trading as The Co-operative Insurance. What is Self-employed insurance? This Self-employed policy protects you against public and products liability, loss of money, assault and commercial legal protection. Some of the cover summarised are optional and these are clearly marked as such. If you have selected any of these options, they will be clearly marked on your policy schedule. Core cover Public and Products Liability Protection against your legal liability for bodily injury to third parties and damage to their property, including obstruction, trespass, nuisance, interference, wrongful arrest and eviction. Cover includes: contingent motor third party liability arising out of the use of vehicles not owned by you within the UK employees and visitors personal belongings personal liability of employees and directors whilst they are oversees on your business liability for loss of or damage to premises hired or rented to you for the purpose of your business legal costs and expenses in defending prosecutions under relevant health and safety legislation, Consumer Protection Act 1987 and Food Safety Act 1990 court attendance costs hairdressers and Beauticians can extend cover to include professional treatments cover cover for up to 5 bona fide sub-contractors or temporary employees where payments do not exceed 15% of annual turnover. Please refer to the Public and Products Liability section of the. Cover for acts of terrorism is limited to 2,000,000 for any one event. Loss or damage to property in your custody or control or to products supplied. Liability arising out of products supplied in the knowledge that they could affect the navigation, propulsion or safety of any aircraft or other aerial device. Pollution or contamination. Work in or on or travel to or from or within products supplied to any offshore installation or support vessel. Liquidated damages, penalty clauses, fines or punitive damages. Terms will apply to the professional treatment cover, however this is dependent on the option taken and will be provided at quotation stage. The first 250 of each and every claim in respect of third party property damage and loss of or damage to premises hired or rented. Exposure to, inhalation of, fears of the consequences of exposure to/inhalation of, costs incurred in repairing, removing, replacing, recalling, rectifying, reinstating or managing any property arising out of the presence of asbestos.
2 Core cover continued Money and Assault Loss of money belonging to your business: from your premises 1,000 limit whilst in transit or in bank night safe 1,000 limit from your home or employees home 500 limit from a locked safe 1,000 limit. Bodily injury to you or your employees as a result of assault or attempted assault whilst carrying money belonging to your business. Please refer to the Money and Assault section of the Shortage due to clerical or accountancy errors. Loss due to the fraud or dishonesty of any employees not discovered within seven working days. Loss from unattended vehicles. Loss arising outside Great Britain, Northern Ireland, the Channel Islands or the Isle of Man. Maximum payable 10,000. Commercial Legal Protection Protection for legal costs and expenses arising from specified civil and criminal incidents in connection with your business. Employment Disputes and Compensation Awards defence of your legal rights under employment legislation and following a successful action by an employee, prospective employee, alleged or ex-employee we will pay any compensation award made. Legal Defence Defence for you or an employee acting on your behalf if any criminal action or certain civil action is taken against you for any non-motor related incident arising in connection with the business. This includes cover in the event of prosecution under health and safety legislation, data protection rules and in the event of wrongful arrest. Property Protection cover provides protection for civil action following any event causing or likely to cause physical damage to your property or any nuisance or trespass. It also includes defence or appeal against judgements. Bodily Injury cover to negotiate your, your employees or family members legal rights, following bodily injury not involving a motor vehicle which occurs in connection with the business. Tax Protection we will represent you in any appeal proceedings with H.M. Revenue and Customs in a full or aspect enquiry following your corporation tax self-assessment return. Representation for appeal proceedings with H.M. Revenue and Customs in respect of Value Added Tax due is also included. Contract Disputes cover is provided to negotiate disputes relating to a contract you have entered into with a customer or supplier for the purchase or sale of goods or service where the amount in dispute exceeds 250. Tenancy Disputes negotiating your legal rights in a tenancy dispute between you and your landlord not relating to rent, service charges or renewal of the agreement. Statutory Licence Representing you in any appeal to the relevant statutory or regulatory body, court or tribunal following the suspension, revocation, alteration or refusal to renew your statutory licence. Debt Recovery cover to negotiate your legal rights including enforcement of judgement to recover money and interest due from a customer or supplier following the sale or provision of goods and services where the amount in dispute exceeds 250. Please refer to the Commercial Legal Protection section of the In respect of civil cases, the cover is subject to the case having reasonable prospects of winning or making a successful defence. Claims must be reported within 180 days of you becoming aware of an incident. Any costs and expenses incurred before the written acceptance by us or the claims administrator of a claim. In respect of compensation awards you must follow the advice of the legal helpline or the Advisory, Conciliation and Arbitration Scheme (ACAS) code of Disciplinary Practice and Procedures in Employment for cover to be effective. In respect of redundancies you must follow the advice of the legal helpline prior to serving notice of dismissal. The first 200 of each and every claim in respect of aspect enquires. Claims caused by your failure to register for Value Added Tax and any investigations by H.M. Revenue and Customs Special Investigations Section or Special Compliance Office. Investigations by H.M. Revenue and Customs into alleged dishonesty or criminal offences. For contract disputes the first 500 of any claim where the amount in dispute exceeds 5,000. Any claim relating to the settlement under an insurance policy. For contract disputes and debt recovery, a claim must be made within 90 days of the money becoming due. If a solicitor is required to deal with your legal problem, we will appoint one from the approved panel. These solicitors have been carefully chosen as experts in the areas of the law covered by the policy and are required to comply with strict service standards.
3 Optional cover Employers Liability Protection against your legal liabilities for bodily injury to your employees up to a limit of indemnity of 10,000,000 including costs and expenses Cover includes: legal costs and expenses in defending prosecutions under all relevant health and safety legislation worldwide cover for employees normally resident in the UK who are temporarily working overseas. Please refer to the Employers Liability section of the Cover for acts of terrorism is limited to 5,000,000 per event. Liability in respect of liquidated damages, penalty clauses and fines. Work in or on or travel to or from any offshore installation or support vessel. Bodily injury to an Employee carried in or on, entering or alighting a vehicle or where Road Traffic Acts legislation applies. Property Damage Accidental loss or damage to business equipment stock contractors tools. Please note that a single article limit of 2,500 applies in respect of Business Equipment and 500 for Contractors Tools. Cover includes the temporary removal of property insured anywhere in Europe for up to 30 days anywhere in the world. Cover can be extended to include terrorism cover. Contract Works Construction trades only Cover is on an all risks basis and provides protection for the works, materials and plant, including hired in plant for which you are responsible. Cover operates while you are carrying out building work up to the point a certificate of completion has been issued or the prospective owner or tenant has possession. It includes: offsite storage of materials stored and identified for inclusion in a contract transit to and from your contract site cover for private dwellings built on a speculative basis for up to 90 days following practical completion. Cover can be extended to include terrorism cover. Please refer to the Property Damage section of the Wear and tear, gradual deterioration, faulty or defective design, materials or workmanship. Mechanical or electrical breakdown or derangement. Theft or attempted theft not involving entry or exit from buildings by forcible or violent means or from unattended vehicles if all doors and windows have not been locked. Vehicles must be left overnight in a locked building or secure in a fully enclosed yard. Damage resulting from undergoing any process involving the application of heat. Damage to moveable property in the open by wind, rain, hail, sleet, snow, flood, dust. The first part of any claim (your excess). Please refer to the Contract Works section of the. Wear and tear, gradual deterioration, faulty or defective design, materials or workmanship. Damage to existing structures or permanent works that have been completed. Damage to plant caused by its own mechanical or electrical breakdown, failure, breakage or derangement unless responsible for under a hire agreement. Damage to mechanically propelled vehicles including trailers unless used solely as tool of trade. Payments for liquidated damages, fines or penalty clauses for contract delay or non-completion. The first part of any claim (your excess).
4 Optional cover continued Business Interruption Loss of Income (non construction traders only) loss resulting from damage to property being used by you, including failure of utilities and telecommunications, by the amount which your income falls short of the income you would have received. Increased cost of working provides you with additional expenses incurred to enable you to continue trading following loss or damage. Cover can be extended to include terrorism cover. Please refer to the Business Interruption section of the Losses excluded under the Property Damage section. If your business is wound up or carried on by a liquidator or receiver or is permanently discontinued. Failure of Utilities lasting less than 30 minutes. Failure of Telecommunications lasting less than 24 consecutive hours. Personal Accident Cover for you and your employees (up to the age of 75) for accidental bodily injury resulting in death, permanent or temporary disablement. One unit of cover represents: 5,000 for death and capital benefits 50 per week for temporary total disablement 25 per week for temporary partial disablement. A maximum of ten units per person can be taken. Business Travel Cover for you and your employees (up to the age of 75) while travelling on company business anywhere in the world. Cover includes: medical Expenses up to 1,000,000 emergency medical assistance personal baggage up to 2,000 money up to 1,000 cancellation costs up to 2,000 personal Liability up to 1,000,000. Please refer to the Personal Accident section of the Cover for acts of terrorism is limited to 1,000,000 per event and excludes harm by nuclear, chemical, biological and radiological means. The first 14 days of temporary disablement Sickness, disease or any gradually. operating cause. Suicide, attempted suicide or deliberate exposure to danger. Pregnancy or childbirth. Flying except while travelling in a aircraft of a recognised airline as a passenger. Accidents caused through participation in certain hazardous activities. The effects of alcohol or drugs or any treatment for drug addiction. Please refer to the Business Travel section of the Cover for acts of terrorism is limited to 1,000,000 per event and excludes harm by nuclear, biological and radiological means. Pregnancy or childbirth. Any person travelling against the advice of a medical practitioner. Losses not reported to the local police and or the relevant authority. Accidents caused through participation in certain hazardous activities.
5 Duration of policy The policy will remain in force for 12 months from date of commencement, or as otherwise shown on your policy schedule. Cancellation rights There are no cancellation rights under this policy. How to claim If you need to make a claim please call our claims line on Our line operates 24 hours a day, 365 days a year. Please have your policy number to hand when calling. Our service to you We hope that you will be very happy with the service that we provide. However, if for any reason you are unhappy with it, we would like to hear from you. In the first instance please contact The Co-operative Insurance. You can write to The Co-operative Commercial, PO Box 7594, PERTH PH2 1FA or telephone , whichever suits you. The Co-operative Insurance is covered by the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may refer it to this independent body. Following the complaints procedure does not affect your right to take legal action. Financial Services Compensation Scheme We are members of the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from this scheme if we cannot meet our obligations, depending on the type of insurance and the circumstances of your claim.
6 Please call if you would like to receive this information in an alternative format such as large print or Braille. The Co-operative Insurance is a brand name used by CIS General Insurance Limited. CIS General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered office: Miller Street, Manchester M60 0AL. Registered Number 29999R. This insurance is arranged and administered by Aviva Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered Office: Pitheavlis, Perth PH2 0NH. Tax and legal helpline is provided by DAS Legal Expenses Insurance Company which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered Office: DAS House, Quayside, Templeback, Bristol, BS1 9BL. Calls may be monitored or recorded for security and training purposes. Calls to 0800 numbers are free from landlines. Calls from mobiles may vary and you may want to check this with your service provider. We like our communications to have an impact on you but not on the environment. Which is why this is printed using vegetable oil based inks on 80% recycled paper (with 60% from post-consumer waste) with the remaining 20% produced from Forest Stewardship Council certified sources. This paper is made in a totally chlorine-free process. SCOSE (S)
Powerplace Offices & Surgeries Summary of Cover
Powerplace Offices & Surgeries Summary of Cover www.towergate.co.uk/tcu 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
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 informationEssential Shop Summary of Cover
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 you read the policy document carefully when
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 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 informationRetailers Summary of Cover
Retailers Summary of Cover www.towergate.co.uk We are keen to work in partnership with You and avoid any misunderstandings. This is a summary of the policy and does not contain the full terms and conditions
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 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 informationSUMMARY OF COVER. Hotels and Guest Houses
SUMMARY OF COVER Hotels and Guest Houses We are keen to work in partnership with you and avoid any misunderstandings. This is a summary of the policy and does not contain the full terms and conditions
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 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 informationPOLICY SUMMARY Retail
POLICY SUMMARY Retail 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 Retail Policy Summary Policy Summary This
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 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 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 informationShop. 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 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 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 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 informationSHOPS. Policy Summary
SHOPS Policy Summary 2 Shops Policy Summary SHOPS Policy Summary Your RSA Shops Policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions. You can select
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 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 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 informationFLAT size: 210MM h 296MM W FINIshED size: 210MM h 148MM W shop Policy Summary _UKC04065C_POL.indd 1 23/12/ :20
shop Policy Summary 2 Shop Policy Summary shop Policy Summary Your RsA shop policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions. You can select
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 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 informationPublic liability section Professionals. AXA Business Insurance
Public liability section Professionals AXA Business Insurance Content page Meaning of defined terms 112 114 119 AXA Business Insurance - Public liability section - Professionals Page 111 of 120 Meaning
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 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 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 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 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 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 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 informationMotor Trade 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 Motor Trade 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 Motor Trade Policy
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 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 informationProfessional insured select Policy Summary
Professional insured select Policy Summary 2 Professional Insured Select Policy Summary Professional insured select Policy Summary Your Professional insured select policy is an annually renewable insurance,
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 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 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 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 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 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 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 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 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 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 informationPublic and products liability (technology) Policy wording
The General terms and conditions and the following terms and conditions all apply to this section. Special definitions for this section Abuse or molestation Abuse or molestation retroactive date Bodily
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 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 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 informationBritish Gas Landlord Insurance
British Gas Landlord Insurance Summary of cover August 2016 Working with Why choose British Gas Landlord Insurance policy? The British Gas Landlord Insurance offers a range of covers and caters for a variety
More informationSAMPLE. Changes You need to know about before you renew
Page 1 of 10 Your Premier Property Owners Policy Policyholder Policy Number Thank You for choosing Aviva as Your insurer. You are an important customer to Us and, to recognise this fact, there are a number
More informationoffices Policy Summary Arranged by
offices Policy Summary Arranged by 2 Offces Policy Summary offices Policy Summary Your RSA offices Policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions.
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 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 informationBusiness Legal Guard Policy Summary
Business Legal Guard Policy Summary This is a summary of the cover available under the Ageas Business Legal Guard insurance policy. It does not include all the policy beneits, limits and exclusions. Full
More informationSelect & Protect Lettings
Start of 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 documentation. It is important that you read the
More informationCommercial Combined. Summary of cover
Commercial Combined Summary of cover Summary of cover Key covers, features and exceptions Your policy includes the following key covers, features, benefits and significant exclusions, which are set out
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 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 informationResidential Landlords Insurance
Residential Landlords Insurance February 2018 Why choose AXA s Landlord Insurance policy? The Landlord Insurance offers a range of covers and caters for a variety of customers, from individuals who own
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 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 informationMOTOR TRADE COMBINED KEY FACTS MOTOR TRADE COVER WITH ADDITIONAL PARTS
MOTOR TRADE COMBINED KEY FACTS MOTOR TRADE COVER WITH ADDITIONAL PARTS Product Summary This document provides a summary of benefits for the Motor Trade Combined Policy Motor Trade Combined Policy Please
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 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 informationoffices Policy Summary
offices Policy Summary 2 Offces Policy Summary offices Policy Summary Your RSA offces Policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions. You
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 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 informationLiability Insurance Policy
Liability Insurance Policy Customer Service At Insurance Corporation we have a real commitment to customer care. We have built a reputation as an Insurer that puts our customers first You can help us to
More informationMOTOR TRADE COMBINED KEY FACTS MOTOR TRADE COVER WITH ADDITIONAL PARTS
MOTOR TRADE COMBINED KEY FACTS MOTOR TRADE COVER WITH ADDITIONAL PARTS Product Summary This document provides a summary of benefits for the Motor Trade Combined Policy Motor Trade Combined Policy Please
More informationLandlords Insurance. Policy Summary. Page 1
Landlords Insurance Policy Summary Page 1 Landlords Insurance Policy Summary Your Landlords Insurance Underwriter is Aviva. Your Landlords Insurance is an annual contract and may be renewed each year subject
More informationFLEETSHIELD. Policy Summary
FLEETSHIELD Policy Summary Fleetshield Policy Summary FLEETSHIELD Policy Summary RSA FleetShield Policy is an annual commercial insurance contract which may be renewed each year subject to your needs and
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 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 informationIndependent Living Insurance. Policy Summary
Independent Living Insurance Policy Summary Independent Living Insurance This summary does not contain the full terms and conditions of your policy. Please refer to your policy document for the full terms
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 informationTo make a claim under your policy, please phone us on
Let Property Legal Expenses Insurance Policy number: TS3/6777311 WELCOME TO LET PROPERTY LEGAL EXPENSES INSURANCE As a DAS policyholder, you are now protected by Europe s leading legal expenses insurer.
More informationIndex. Index A guide to this document The contract of insurance Details of the contract between you and us... 3
Index Page Index A guide to this document... 2 The contract of insurance Details of the contract between you and us... 3 Definitions The meaning of certain words and phrases... 5 Section one: Public and
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 informationHOME INSURANCE POLICY SUMMARY
HOME INSURANCE POLICY SUMMARY HOME INSURANCE POLICY SUMMARY This document is only a summary of your Policy and other key information about the insurance cover that you should read. It does not contain
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 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 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 informationBed and Breakfast Insurance Policy from Direct Line Key Facts
Bed and Breakfast Insurance Policy from Direct Line Key Facts Please read this document carefully. It s a summary of the key benefits, exclusions and conditions of this policy. It doesn t contain the full
More informationAlterations to your Group Policy
Alterations to your Group Policy (This document is also available as part of the online renewal process) We are delighted to announce that we are making extensive enhancements to the options available
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 informationTRADESPEOPLE. Policy
TRADESPEOPLE Policy 2 Tradespeople Policy Contents Section Page About Your insurance Policy 3 The insurance contract 3 Customer Care Services & Helplines 4 Liabilities Insurance 5 Section 1 Employers Liability
More informationMy legal expenses cover...
My legal expenses cover... Motor Legal Expenses Welcome Thank you for insuring with 1 ST CENTRAL. We are delighted to welcome you as a valued customer. Please take time to read your policy document and
More informationProperty let STANDARD + RENT ARREARS, TAX PROTECTION AND CONTRACT DISPUTES
Property let LEGAL Protection and assistance SCHEME KEY FACTS STANDARD + RENT ARREARS, TAX PROTECTION AND CONTRACT DISPUTES WHY YOU NEED PROPERTY LET COVER Repossession Property damage Eviction of squatters
More informationTRADESMAN INSURANCE: WHAT YOU SHOULD KNOW
TRADESMAN INSURANCE: WHAT YOU SHOULD KNOW Flexible business insurance, designed to meet the needs of your sector BUSINESS INSURANCE WELCOME TO TRADESMAN INSURANCE FROM NFU MUTUAL You should read your policy
More informationAlterations to your Out of School Policy (This document is also available as part of the online renewal process.)
Alterations to your Out of School Policy (This document is also available as part of the online renewal process.) We are delighted to announce that we are making extensive enhancements to the options available
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 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 informationPolicy Summary Hospitality Insurance Underwriting Agencies (HIUA) Insurance Policy for Guest Houses
Policy Summary Hospitality Insurance Underwriting Agencies (HIUA) Insurance Policy for Guest Houses The information provided in this policy summary is key information you should read This Policy Summary
More informationLIABILITY INSURANCE. Policy summary
LIABILITY INSURANCE Policy summary 2 Liability Insurance Policy Summary Liability Insurance Policy Summary This is an annually renewable Liability Insurance underwritten by Royal & Sun Alliance Insurance
More informationInsurance. UK and European breakdown cover
Insurance UK and European breakdown cover Introduction Welcome to UK and European breakdown cover This Motor Breakdown and accident recovery service is administered on behalf of Co-op Insurance by AXA
More information