summary of cover PROPERTY OWNERS INSURANCE

summary of cover PROPERTY OWNERS INSURANCE

2 SUMMARY OF COVER PROPERTY OWNERS Policy ref: PD2309 What is a policy summary? This documet provides key iformatio about the Property Owers isurace policy. Please ote that this policy summary does ot cotai the full terms ad coditios of this cotract. These ca be foud i the Property Owers policy wordig. If you have ay questios please cotact your isurace broker. Policy ame Property Owers Uderwritte by: Ecclesiastical Isurace Office plc. Helplies ad legal expeses provided i partership with DAS Legal Expeses Isurace Compay Limited. Duratio of your policy: 12 moths from the start date show o your policy schedule. Reewal of your policy: We will sed you otice that your policy is approachig reewal before it is due. Your requiremets may chage over time, so you may beefit from reviewig the value, cover ad level of service provided by your policy. Sigificat features ad beefits: The policy offers you isurace for your buildigs ad cotets of commo parts, your loss of retal icome followig a property damage claim ad equipmet breakdow cover helpig you get a extesive rage of equipmet up ad ruig agai. Optioal covers are available for terrorism, employers ad public liability ad legal expeses. The sectios you have chose to isure ad the applicable sums isured are show o your policy schedule. We are also able to offer most of our customers the optio of a special valuatio service. Through this we will be able to recommed suitable values for the cost of rebuildig or replacig your property which will help you choose the right sums to isure.

PROPERTY OWNERS SUMMARY OF COVER 3 Key beefits iclude: We ca provide a broad rage of cover withi oe tailored policy which icludes the followig Property damage cover for buildigs ad cotets of commo parts agaist a wide rage of selected perils which ca iclude accidetal damage ad subsidece Buildigs cover icludes cover for certai types of wid turbies ad solar paels. Cotets of commo parts iclude your maiteace ad cleaig equipmet ad the furiture ad furishigs i commo parts Property damage also cotais automatic extesios icludig: - Iadvertet omissio to isure up to 2,000,000 per property or 500,000 for uoccupied properties - Privity of cotract up to 1,000,000 - Capital additios for ewly acquired properties up to 2,000,000 or 500,000 for uoccupied properties ad the alteratios ad additios to existig properties up to 500,000 - Europea Uio ad Public Authorities costs up to 15% of sum isured - Reistatemet to match - Emergecy services damages to the grouds up to 25,000 per claim - Extiguisher ad alarm re-settig expeses - Sprikler upgrade costs up to 20% of the buildigs sum isured - Clearig of drais up to 50,000 per claim - Cotract works up to 100,000 - Loss of oil gas or water up to 10,000 per period of isurace - Uauthorised use of utilities 5,000 per claim ad 10,000 per period of isurace - Temporary accommodatio for private resideces up to 20% of sum isured ad for a maximum of 24 moths - Temporary removal for cleaig or repair up to 10% of sum isured - Fly tippig clearace costs at occupied premises up to 2,500 per claim ad 5,000 per period of isurace - Loss of keys up to 2,500 per claim ad 5,000 per period of isurace - Removal of trees if they are a immediate threat to life or property up to 500 per claim ad 2,500 per period of isurace - Removal of isect ests up to 500 per claim - Ay VAT you are uable to recover followig damage to buildigs - Day Oe uplift o Declared Values at a rate agreed with you - Loss of market value is available as a alterative to reistatemet basis of settlemet Equipmet breakdow for a rage of equipmet icludig lifts, boilers ad air coditioig systems - up to 5,000,000 ay oe period for all claims - up to 500,000 ay oe accidet for computer equipmet at your premises - up to 5,000 for ay oe accidet to portable computer equipmet aywhere i the world Retal icome cover followig a isured evet uder the Property damage sectio ad the extra costs to miimise the loss of ret Retal icome also cotais automatic extesios icludig: - Additioal icrease i cost of workig up to 25,000 per claim for uecoomic costs - Cover for maagig aget s premises up to 50,000 or 20% of ret receivable whichever is less - Loss of ivestmet icome where claim settlemet is made later tha ret would have bee received Additioal cover available at a extra cost: At your request the policy ca be exteded to iclude the cotets of furished ad teated accommodatio Terrorism cover ca be take out to cover all your property isured by the policy ad ca be exteded to iclude your loss of reveue ad/or additioal costs followig ad iterruptio caused by a act of terrorism

4 SUMMARY OF COVER PROPERTY OWNERS Employers liability up to 10,000,000 per claim icludig legal costs ad 5,000,000 per claim related to terrorism Public liability up to a limit of 2,000,000/ 5,000,000/ 10,000,000 depedig o the limit chose by you per evet Corporate maslaughter defece costs up to 1,000,000 Legal expeses cover for a rage of legal issues specified i the policy up to the limit of idemity stated i the schedule for legal costs ad expeses icludig solicitors' ad barristers' fees, court costs, expeses for expert witesses, attedace expeses, accoutats' fees ad employmet compesatio awards (the latter are further limited to a aggregate limit i total for all such awards i ay period of isurace as stated i the schedule or policy wordig) Value-added services Commercial legal advice helplie Tax advice helplie Cousellig helplie for the proprietor, employees ad their immediate family members Employmet Maual offerig olie employmet guidace DAS busiesslaw offerig olie busiess law guidace. Some services are oly available for a fee. Sigificat or uusual exclusios/limitatios: Terrorism cover is excluded uless the separate Terrorism sectio is operative Radioactive cotamiatio ad war risks are excluded except i relatio to Employers liability if isured Pollutio ad cotamiatio are excluded uless caused by a isured evet other tha accidetal damage If after cover is take out there are ay sigificat alteratios of risk, icludig cotract works over 100,000 you must give us otice as soo as possible ad we may cacel the policy or charge additioal premium The relevat excess that applies is excluded from ay claims I the evet of uderisurace (except where our valuatio service has bee used ad agreed) the the amout we pay for a claim will be reduced i proportio to the degree of uderisurace Equipmet breakdow excludes wear ad tear or maiteace related issues, breakdow caused by computer viruses or hackig, ad ay biomass ad biogas istallatios Legal expeses - You must let DAS kow about ay problems straight away or they may ot provide cover if you have tried to deal with matters o your ow. - Problems must relate to your busiess activities i order for cover to apply. - Ay claims where you are bakrupt or become bakrupt at the start or durig a claim are excluded. - Except i certai circumstaces, as specified i the policy wordig, cover is subject to a "reasoable prospects of success" clause. "Reasoable prospects" is a 51% or greater chace of success, as assessed by a law firm or tax expert chose by DAS. - I certai circumstaces, you may be free to appoit your ow legal represetative, who will be subject to the DAS stadard terms of appoitmet, icludig a hourly rate of 100 per hour. Ay costs that fall outside the stadard terms will ot be paid by us. Cacellatio rights: We hope you are happy with the cover the policy provides. You have a right to cacel the policy withi 14 days of receivig your policy documets. This is show i your policy uder the headig Cacellatio i the Geeral Coditios. This Geeral Coditio also explais your right to cacel outside of the coolig off period ad our right to cacel your policy uder certai circumstaces.

PROPERTY OWNERS SUMMARY OF COVER 5 Our right to cacel: We have the right to cacel your policy by sedig 14 days otice ad shall refud to you the proportioate premium for the uexpired period of cover, this is show uder the headig Cacellatio i the Geeral Coditios. Claims service: You ca make a claim through your isurace broker or directly, usig the followig telephoe umbers: For all claims other tha legal expeses: Call us o 0345 603 8381. For legal expeses claims: Call DAS Legal Expeses Isurace Compay Limited o 0345 268 9124. Complaits: If you are uhappy with our products or service, please cotact us as soo as possible. You ca complai i writig or verbally at ay time to: For all complaits other tha Legal expeses complaits: Ecclesiastical Isurace Office plc Beaufort House Bruswick Road Gloucester GL1 1JZ Tel: 0345 777 3322 Email: complaits@ecclesiastical.com For Legal expeses complaits: DAS Legal Expeses Isurace Compay Limited DAS House Quay Side Temple Back Bristol BS1 6NH Tel: 0344 893 9013 Email: customerrelatios@das.co.uk Our promise to you: We will aim to resolve your complait withi oe busiess day. To resolve your complait we will Ivestigate your complait diligetly ad impartially Keep you iformed of the progress of the ivestigatio For more complex issues, we may eed a little loger to ivestigate ad we may ask you for further iformatio to help us reach a decisio Respod i writig to your complait as soo as possible

6 SUMMARY OF COVER PROPERTY OWNERS If you re ot satisfied with our respose, or we have ot completed our ivestigatio after eight weeks, we ll iform you of your right to take the complait to: Fiacial Ombudsma Service Exchage Tower Lodo E14 9SR Tel: 0800 023 4567 Email: complait.ifo@fiacial-ombudsma.org.uk Website: www.fiacial-ombudsma.org.uk If you have bought your isurace olie, you ca also register your complait o the Olie Dispute Resolutio website http://ec.europa.eu/cosumers/odr/, which has bee set up by the Europea Commissio. This complaits procedure does ot affect your right to take legal proceedigs. Fiacial Services Compesatio Scheme (FSCS): The Fiacial Services Compesatio Scheme (FSCS) is the idepedet body, set up by Govermet, which gives you your moey back if your authorised* fiacial services provider is uable to meet its obligatios. The FSCS protects a rage of products for both idividuals ad small busiesses. Limits apply depedig o the product you have bought. The FSCS does ot charge idividual cosumers for usig its service. The FSCS caot help you if the firm you have doe busiess with is still tradig. For further iformatio o the scheme you ca visit the website at: www.fscs.org.uk or write to: Fiacial Services Compesatio Scheme 10th Floor, Beaufort House, 15 St Botolph Street Lodo EC3A 7QU. Tel: 0207 741 4100 or 0800 678 1100 Fax: 0207 741 4101 Email equiries@fscs.org.uk * The FSCS ca oly pay compesatio for customers of fiacial services firms authorised by the PRA or FCA. Law applyig The policy (other tha the Legal expeses sectio) shall be govered by ad costrued i accordace with the law of Eglad ad Wales uless the Isured's habitual residece (i the case of a idividual) or cetral admiistratio ad/or place of establishmet is located i Scotlad i which case the law of Scotlad shall apply The Legal expeses sectio is govered by the law that applies i that part of the Uited Kigdom Chael Islads or Isle of Ma where the Isured's busiess is registered. Otherwise the law of Eglad ad Wales applies.

This cotract is uderwritte by: Ecclesiastical Isurace Office plc. Our FCA register umber is 113848. Our permitted busiess is geeral isurace. You ca check this o the FCA s register by visitig the FCA s website www.fca.org.uk/register or by cotactig the FCA o 0800 111 6768

For further iformatio o ay of our products or services, please speak to your broker. Or visit us at www.ecclesiastical.com If you would like this booklet i large prit, braille, o audio tape or computer disc please call us o 0345 777 3322. You ca also tell us if you would like to always receive literature i aother format. Beaufort House, Bruswick Road, Gloucester GL1 1JZ Ecclesiastical Isurace Office plc (EIO) Reg. No. 24869. Registered i Eglad at Beaufort House, Bruswick Road, Gloucester, GL1 1JZ, UK. EIO is authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority. Ecclesiastical Isurace Office plc 2018 PD2310/6/1018