PLENTY OF OPTIONS FOR YOU

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Georgiana Gallagher
5 years ago
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1 OPTIONAL EXTRAS

3 PLENTY OF OPTIONS FOR YOU If you re thnkng about purchasng home nsurance you mght be consderng f you want to ncrease your cover so that you re protected from a wder range of unexpected events. Wth our selecton of optonal extras, you can choose to purchase addtonal cover, or extend some of the features of your exstng polcy. Then you can be content n the knowledge that you re covered, for a whole host of mshaps, setbacks and tough luck that could come your way. SO, WHAT S AVAILABLE TO YOU? You can purchase Home Emergency cover Legal Expenses cover You can extend Accdental Damage cover for both buldngs and contents Personal Possessons cover If you have a Home Insurance polcy wth us you ll already beneft from our standard level of Accdental Damage cover, whch you have the opton to extend. Our Personal Possessons cover goes a lttle further than your standard Contents Insurance as t protects your belongngs when you re out and about.

4 DO YOU NEED OPTIONAL EXTRA COVER? WHAT WOULD YOU DO IF... YOUR BOILER BROKE AND IT S MID JANUARY? Ths s where Home Emergency cover could be your savng grace, as you ll be able to contact our home emergency helplne around the clock. We ll arrange for an approved contractor to vst your home, check out your boler and carry out any repar up to a value of 1,000. But, f the boler s beyond repar you ll get a contrbuton of up to 500 towards a new one. HOME EMERGENCY COVER SO WHAT ELSE COULD IT HELP YOU WITH? You could get 1,000 towards thngs such as: 4 Burst ppes or damaged water tanks, that could cause a leak n your home 4 Drans and tolet problems, that leave your drans blocked and your tolet unusable 4 Loss of power effectng your whole home 4 Heatng system falures, that means the heatng system s noperable.e. not producng heat or hot water 4 Broken wndows or doors, that make your home unsafe or nsecure WE WANT TO LET YOU KNOW Our Home Emergency cover s desgned to cover unforeseen events, but t doesn t cover everythng. For example, your boler or heatng system must be servced n lne wth manufacturer s recommendatons. Any clam arsng after the property has been left unoccuped for more than 60 days n a row wll be excluded.

5 WHAT WOULD YOU DO IF... YOUR NEIGHBOUR BUILT AN EXTENSION AND PART OF IT IS ON YOUR LAND? Legal Expenses cover could help sort what could be a costly stuaton. Solctor s fees can be sky hgh, but wth ths optonal cover you are able to clam up to 100,000 to help you pursue and defend your legal rghts. Your solctor could help you defne the boundares of your property and, f needs be, help you take acton aganst your neghbour to get the extenson removed. LEGAL EXPENSES COVER SO WHAT ELSE COULD IT HELP YOU WITH? 4 Employment dsputes 4 Tenancy dsputes 4 Traffc offences 4 Refunds of salary or wages lost whlst on jury servce 4 Proceedngs or appeals about your personal tax affars 4 Personal clams for death, personal njury or clncal neglgence 4 Probate dsputes over 10,000 WE WANT TO LET YOU KNOW Our Legal Expenses cover s desgned to cover unforeseen events, but t doesn t cover everythng. For example, any llness or bodly njury, whch happens gradually or that s not caused by a sudden event s excluded. We also can t cover any property or land that s not your permanent prmary resdence.

6 WHAT WOULD YOU DO IF... YOU RE PAINTING THE WALLS AND SPILL PAINT ON THE CARPET? Accdental Damage cover could clear away the mess. Your carpet wll be cleaned f economcally possble. Otherwse, you ll receve a new carpet of the same value as your old one. THE BATH TAP IS LEFT RUNNING WITH THE PLUG IN AND THE KITCHEN FLOODS? In ths nstance, Accdental Damage cover could prove to be partcularly handy. Any damage caused by the runnng water to the bathroom floor, the ktchen celng, or any other part of the buldng s covered, up to your chosen sum nsured on your Buldngs Insurance. STANDARD ACCIDENTAL DAMAGE COVER If you have Buldngs Insurance you ll already beneft from Accdental Damage cover to the lkes of fxed glass, santary fttng and underground drans and ppes. Or, f you have Contents Insurance you ll be covered for accdental damage to fxed glass, ceramc hobs, technology and entertanment equpment. EXTENDED ACCIDENTAL DAMAGE COVER SO WHAT ELSE COULD IT HELP YOU WITH? 4 Your home s structure, celngs or decorated walls 4 Shrubs, plants and bushes n the garden 4 Damage to sofas, tables and other household furnture WE WANT TO LET YOU KNOW Our extended Accdental Damage cover s desgned to cover unforeseen events, but t doesn t cover every eventualty. For example, loss or damage occurrng after your home has been left unoccuped for more than 60 days n a row s not covered. We also can t cover for loss or damage caused by wear and tear, deprecaton, anythng that happens gradually and mechancal or electrcal breakdown.

7 WHAT WOULD YOU DO IF... YOUR SUITCASE WAS LOST WHILST YOU RE HALF WAY ROUND THE WORLD ON HOLIDAY? If you had Personal Possessons cover, you d stll be able to enjoy your holday... kck back, relax and unwnd, as your sutcase would be covered. It wouldn t make any dfference f t was lost outsde of the UK as Personal Possessons cover protects your possessons anywhere, whether t s a weekend n Wales or two weeks n Tbet. PERSONAL POSSESSIONS COVER SO WHAT ELSE COULD IT HELP YOU WITH? Loss, damage or theft of tems such as: 4 Unspecfed tems that are worth up to 2,500, such as clothng, shoes, bags, watches, jewellery, sportng equpment, gadgets, laptops, tablets and cameras 4 Specfed tems that are worth up to 15,000 ( 22,500 f you have Plus cover) such as desgner bags, watches, and engagement and weddng rngs 4 Money up to the value of Unauthorsed use of credt cards up to Bkes (pedal cycles) up to 500 (unless specfed) 4 Moble phones up to 250 (unless specfed)

8 MORE ABOUT PERSONAL POSSESSIONS If you have our Contents Insurance Plus you ll beneft from our hgher cover lmts. PERSONAL POSSESSIONS STANDARD PLUS TOTAL COVER LIMIT 15,000 22,500 SINGLE UNSPECIFIED ITEM 2,500 2,500 SINGLE SPECIFIED ITEM 15,000 22,500 WE WANT TO LET YOU KNOW Our Personal Possessons cover s desgned to cover unforeseen events, but t doesn t cover every eventualty. For example, loss or damage to any tems that are not yours or don t belong to your household are not covered. We also don t cover damage to sports equpment whlst n use. PLENTY OF OPTIONS FOR YOUR POCKET Lke most nsurance polces, n the event of a clam, an excess wll apply to our Accdental Damage cover and Personal Possessons cover. You can choose dfferent excesses for Buldngs and Contents between 50 and 500, n 50 ncrements. Ths way you can make sure that whatever cover you choose t can sut your pocket. CHOOSE YOUR EXCESS AMOUNT BETWEEN ONE MORE THING You can fnd a full lst of features, benefts, exclusons and lmtatons n our Polcy Booklet avalable from The equvalent amount of CO 2 from the producton and dstrbuton of ths paper has been captured by plantng trees n the UK. Paymentsheld and the Sheld logo are regstered trademarks of Paymentsheld Lmted (regstered number ) whch s a company regstered n England and Wales at Paymentsheld House, Southport Busness Park, Wght Moss Way, Southport, PR8 4HQ. Authorsed and regulated by the Fnancal Conduct Authorty. Paymentsheld Lmted Asset/00653 (01/17).

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