home insurance · 17 hours ago · barclays insurance services company limited is authorised and...

Home InsuranceWelcome to your Policy Document

2

Finding your way around your policy

8 Generalconditions (includingyourcancellationrights)

13 Generalexclusions

15 BuildingsandBuildingsLandlord

18 Buildings/BuildingsLandlordoptions

19 ContentsandStarterContents

24 Contents/StarterContentsoptions

25 HomeEmergency

34 LegalServices

42 Gadget

44 Bike

46 SportsEquipment

46 PersonalItems

Before you file your policy away• It’simportanttoreadyourpolicydocumentssoyouknow

what'scoveredandwhat'snot,andtocheckthecoveryouhavechoseniscorrectonyourpolicyschedule.

• Tellusstraightawayifanydetailsarewrongorchange.Itmayaffectyourcoverandclaimiftheinformationyouprovideisnotcompleteandaccurate.

Do you have the right cover?Don’twaituntilyouhaveaclaimtofindtheansweris‘No’.

• Contentscoversyourpossessionsathome,butyoumayneedoneofourotheroptionslike‘Gadget’or‘Personalitems’forthingsyoutakeoutandabout.

• Doyouwantyourhomeand/orpossessionstobecoveredwhenaccidentshappen–ifsoyouneedtherelevantaccidentaldamageoption(s).

• Areyoursumsinsured(theamountsyou'recoveredfor)highenough?

• Doyouhaveanythingwhichneedstobespecifiedbecauseit’sworthmorethanthesingleitemlimit(thisisthemostwe'llpayforanyoneitem)?

What your policy is designed forYourpolicycoversunforeseeneventslikefireandtheft.Itdoesn’tcoverwearandtearordamagethathappensgraduallyovertime.Nordoesitcoverpetdamagesuchaschewingandfouling.

Be prepared should you need to claimWerecommendyoukeepreceipts,photographs,valuationsandguaranteecardstohelpsupportyourclaim.

Thank you for choosing Home Insurance from BarclaysThis is insurance shaped around you – where you pick the cover you need rather than pay for cover you don’t need. You can change, amend or cancel your policy when you choose without paying administration fees.

WeofferBarclaysHomeInsurancefromGreshamInsuranceCompanyLimited(withcertaincoversprovidedbyAvivaInsuranceLimited).Theinsuranceisprovidedonanon‑advisedbasissowewillnotmakearecommendationaboutthesuitabilityofthisinsurance.So,itisyourresponsibilitytodecidewhetherthepolicymeetsyourdemandsandneeds.WereceiveacommissionfromGreshamforarrangingyourpolicy.

BarclaysBankplcisauthorisedandregulatedbytheFinancialConductAuthority,youcancheckourname,addressandstatutorystatusbyvisitingwww.fca.org.uk/firms/financial‑services‑register,orcalling08001116768.

http://www.fca.org.uk/firms/financial-services-register

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How to get help

Claims and Legal HelplineContact (Pleasehaveyourpolicynumberreadywhenyoucall)

Opening hours

Homeclaims(exceptLegalServices). Call0800 027 9844 or gotowww.barclays.co.uk/insurance/home‑insurance/manage‑my‑policytomakeaclaimonline All day, every day

LegalServicesclaimsandLegalhelpline.You can only use the helpline if you have bought Legal Services cover.

08000 514 310

ComplaintsaboutanytypeofHomeclaimoracomplaintaboutHomeEmergencycover.

0800 027 9844

Online servicing

Changestoyourpolicyortheinformationyou'vegivenus. Gotowww.barclays.co.uk/insurance/home‑insurance/manage‑my‑policy

Customer services

• Questions,orchangestoyourpolicyoryourinformation.

• Tocancelyourpolicy.

• Requestsforlargeprint,audioorBraillepolicydocumentsifyouhaveadisability.

• Complaints(exceptaboutaclaim).

0800 158 4075

8am – 10pm Mon-Fri 8am – 6pm Sat

10am – 4pm Sun and Bank Holidays

Telephone call charges and recordingForyourandourprotectionandfortrainingpurposeswemaymonitorandrecordtelephonecalls.

Callsto0800numbersarefreeifmadefromaUKlandlineormobile.

http://www.barclays.co.uk/insurance/home-insurance/manage-my-policy






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8 General conditions (including your cancellation rights)

13 General exclusions

15 Buildings and Buildings Landlord

18 Buildings/Buildings Landlord options

19 Contents and Starter Contents

24 Contents/Starter Contents options

25 Home Emergency

34 Legal Services

42 Gadget

44 Bike

46 Sports Equipment

46 Personal Items

ComplaintsWetakeallcomplaintswereceiveseriouslyandwewillrecordandanalyseyourcommentstomakesurewecontinuallyimprovetheserviceweoffer.

Ifyouhaveacomplaintpleaseseethecontactsabove.

Wewillacknowledgeyourcomplaintpromptly.Ifwecan’tfullyinvestigateandrespondtoyourcomplaintwithin10workingdays,wewillletyouknowourexpectedresponsedate.

Ifyouareunhappywiththeoutcomeofyourcomplaintyoumayreferthematterto:FinancialOmbudsmanService,ExchangeTower,LondonE149SR.Telephone08000234567(freefromUKlandlinesormobiles)or03001239123.

Website:www.financial‑ombudsman.org.uk

Whilstweareboundbythedecisionofthefinancialombudsmanserviceyouarenot.Followingthecomplaintsproceduredoesnotaffectyourrighttotakelegalaction.

Forproductsyouboughtonlinefromus,asanalternative,youcanalsoraiseacomplaintwiththeFinancialOmbudsmanServiceviatheEuropeanCommission’sOnlineDisputeResolutionservice(http://ec.europa.eu/odr).You’llneedtoquoteourpostaladdress(Barclays,LeicesterLE872BB),tousethisservice.

YoumayfindthatitisquickertocontacttheFinancialOmbudsmanServicedirectly.

http://www.financial-ombudsman.org.uk

http://www.ec.europa.eu/odr

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DefinitionsWhereveryouseethesewordsorphrasesinboldtextinyourpolicytheyhavethefollowingmeanings(unlessotherwiseshownforanypolicysection).

accidentaldamage

Damagecausedsuddenlyandunexpectedlybyanoutsideforce.

BritishIsles

TheUnitedKingdom,RepublicofIrelandandtheIsleofMan.

buildings

a. Thehouseorflatanditsoutbuildings(includinggarages),swimmingpools,ornamentalpondsandfountains,hardcourts,terraces,patios,drives,footpaths,walls,fences,gates,hedges,fixedtanksprovidingfueltothehome,septictanks,andpipesandcablesprovidingservicestothehome.

b. Fixtures,fittingsanddecorations.

Thesemustallbeattheaddressshownonyourscheduleandallusedsolelyfordomesticand/orclericalbusinesspurposes(clericalbusinessmeanscomputerwork,emails,phonecallsoradministration).

clauses

Changestothetermsofyourpolicy.Theseareshownonyourschedule.

contents

Householditems,personal items,sports equipment,gadgets,pedalcycles,personal money,valuablesandhome office equipment),that:

• youownorarelegallyresponsiblefor;or

• belongtodomestic employeeswholivewithyou.

ForContentscover(notStartercover)contentsalsoincludespersonaleffectsofvisitorstothehome

Contentsdoesn’tincludefollowing:• items(excepthome office equipment)heldorusedfor

businessorprofessionalpurposes,(forexampleworktoolsstoredathome);

• motorised vehicles,aircraft,boats,boardsandcraftdesignedtobeusedonorinwater(exceptwaterskis),caravansandtrailers,spares,partsandaccessoriesofanyofthese;

• documentsofanykind(exceptpersonal money,passports,drivinglicensesandthetitledeedstothehome);

• anypartofthestructureofthehome(includingwallpaper);

• anylivingcreature.

domesticemployee

Apersondirectlyemployedbyyou,solelytocarryoutdomesticdutiesatyourhome.

excess

Theamountyouwillhavetopaytowardseachseparateclaim.

gadget

a. Mobilephonesandotherportableelectronicdevicesdesignedtohaveamainfunctionofcommunication,computing,entertainment,navigationorphotographyandcapableofbeingpoweredbytheirowninternalbattery;

b. Accessoriesandequipmentdesignedtobeusedwithdevicesasdescribedinpointa.above.

Allitemsmustbelongtoyouorbeyourlegalresponsibility.

heave

Expansionorswellingofthelandbeneaththebuildingsresultinginupwardsmovement.

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home

Thehouseorflat,itsoutbuildings(includinggarages)andthetotalareaoftheplotdescribedonthetitledeeds,attheaddressshownonyourschedule,allusedsolelyfordomesticand/orclericalbusinesspurposes(clericalbusinessmeanscomputerwork,emails,phonecallsoradministration).

homeofficeequipment

Officefurniture,computersandotherkeyboardbasedofficeequipment,printers,photocopiers,telephonesandanswerphonesusedforbusinessorprofessionalpurposes.

landslip

Movementoflanddownaslope.

motorisedvehicle

Anyelectricallyormechanicallypoweredvehicle,except:

• vehiclesusedonlyasdomesticgardeningequipmentwithinthehome;

• vehiclesdesignedtohelpdisabledpeople(solongasthevehiclesarenotregisteredforroaduse);

• golfcartsandtrolleys;

• toysandmodelsremotelycontrolledbyapedestrian;

• electricallyassistedpedalcycles.

personalitems

Luggage,clothing,jewellery,watchesandotheritemsyoumightnormallywearorcarrywithyou.Youmustownorbelegallyresponsibleforallitems.

Personal itemsdoesn’tinclude:• gadgets,sports equipmentorbikes(becauseweoffer

specificcoversforthem);• itemsheldorusedforbusinessorprofessionalpurposes

(forexampleworktools);• motorised vehicles,aircraft,boats,boardsandcraft

designedtobeusedonorinwater,caravansandtrailers,spares,partsandaccessoriesofanyofthese;

• documentsofanykind(exceptdrivinglicensesandpassports);

• furniture,furnishings,householdgoodsandequipment,foodanddrink;or

• anylivingcreature.

personalmoney

Cash,unusedpostagestamps,giftvouchers,seasonandtraveltickets,pre‑loadedcashcardsandphonecards,allheldforsocial,domesticorcharitablepurposes.

reasonablecost(s)

Costsforgoodsandserviceswhicharecompetitiveintherelevantmarketplace.

settlement

Downwardmovementofthelandbeneaththebuildingsasaresultofcompactionduetotheweightofthebuildings.

sportsequipment

Equipmentandclothingthatyouownorarelegallyresponsiblefor,andusedsolelyforsportingactivities.

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Sports equipmentdoesn’tinclude• gadgetsandbikes(thisisbecausespecific

coversareavailableforthem);• itemsusedforbusinessorprofessionalpurposes;• motorised vehicles,aircraft,boats,boardsandcraft

designedtobeusedonorinwater(exceptwaterskis),caravansandtrailers,spares,partsandaccessoriesofanyofthese.

subsidence

Downwardmovementofthelandbeneaththebuildingsthatisnotduetosettlement.

suminsured

Theamountshownonyourscheduleasthemostwewillpayforclaimsresultingfromoneincident,unlessotherwisestatedinthispolicybookletoranyclause.

unoccupied

Notlivedinbyyouoranyonewhohasyourpermissionordoesnotcontainenoughfurniturefornormallivingpurposes.

‘Livedin’meansthatday‑to‑dayactivitiesegbathing,cooking,eatingandsleepingareregularlycarriedoutinthehome.

valuables

Jewellery,watches,itemsofgold,silverorotherpreciousmetals,pictures,otherworksofart,andstamp,coinormedalcollections.

we,our,us,theinsurer

GreshamInsuranceCompanyLimited.

you,your

Theperson(orpeople)namedonyour scheduletheirdomesticpartnerandmembersoftheirfamily(orfamilies)whoarenormallylivingwiththemandtheirfosterchildrenwholivewiththem.

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General ConditionsTheseconditionsapplytoallsectionsofyourpolicycover(exceptfor1,5,6,9and11whichdon’tapplytoLegalServicesorHomeEmergencycover).

1.ImportantNotice–Informationandchangesweneedtoknowabout

Youmustalwaystakereasonablecaretogivefullandcorrectanswerstothequestionsweask.Youmusttellusimmediatelyifanythingonyourpolicyscheduleor‘StatementofFact’isincorrectorchangesduringyourpolicyperiod.

Youalsoneedtotellusif:

• anymemberofyourhouseholdoranyoneinsuredonthepolicyhasanyunspentcriminalconvictions(exceptmotoringoffences)oranyprosecutionspending.

• thepeopletobeinsuredchange.

ForBuildings,BuildingsLandlord,ContentsandStarterContentscover(s):youmustalsotellusifyouplanto:

• lend,orletyour home(notapplicableforBuildingsLandlordcover)

• useyour homeforbusiness(exceptcomputerwork,emails,telephonecallsoradministration);

• alterorrenovatethebuildings(butnotinternalrenovations);

• leaveyour home unoccupiedformorethantheagreednumberofdays.

Whenyoutellusaboutachangewewilltellyouifthisaffectsyourpolicy(forexampleifwecannolongeroffercoverorifweneedtochangeyourpremium).

Ifyoudon’tgiveusfullandcorrectinformation,ortellusabouttheabovechanges,wemay:

• changeyourpremium,excessorcover

• refusetopayallorpartofaclaimorcancelyourcover.

IfyouareunsurewhetheryouneedtotellusofachangepleasecallCustomerServices.

2.Yourdutytopreventlossordamage

Youandanyotherpersonthisinsuranceappliestomusttakeallreasonableprecautionstopreventaccidents,lossordamageandkeepinsuredpropertyingoodcondition.

3.Thecontractofinsurance

Thefollowingelementsformthecontractofinsurancebetweenyouandus,pleasereadthemandkeepthemsafe:

• yourpolicybooklet;

• informationcontainedonyourapplicationand/or“Statementoffact”documentasissuedbyus;

• yourschedule(includinganyclausesshownonit);

• informationundertheheading‘ImportantInformation’whichwegiveyouwhenyoutakeoutorrenewyourpolicy;

• changestothispolicyorimportantinformationwegiveyouatrenewal.

Inreturnforyoupayingyourpremiumwewillprovidethecovershownonyourscheduleduringtheperiodofinsurance.

4.Yourdutytokeeptotheconditionsofthispolicy

Tobecoveredbythisinsuranceyoumustkeeptotheterms,conditionsandclausesofthispolicy.

5.TheSumInsured

Atalltimesthe:

• buildings sum insuredmustbeatleastequaltothefullcostofrebuildingthebuildingstothesamespecification.

• contents sum insuredforcontentscover(thisdoesnotincludestartercontentscover)andthesum(s) insuredforgadget,bike,sportsequipmentandpersonalitemscover(s)mustbeatleastequaltothefullcostofreplacingtheproperty‘asnew’.

Ifatthetimeofalosstherelevantsum insuredistoolowwewillnotsettleclaimsonan‘asnew’basisandwillreduceanypaymentstoreflectwearandtear.

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6.IndexLinking

Your sum(s) insuredmaybeupdatedmonthly(andthenewamountsnotifiedtoyouannuallywithyourrenewalnotice)toreflectrisingcostsinlinewiththeRetailPriceIndexforcontentsandtheHouseRebuildingCostIndexforbuildings.Wewon’treduceyour sum(s) insurediftheindexfalls.

7.Monthlypremiums

Ifyouarepayingmonthlypremiumsthesewillbedueonthepolicystartdateshownonyourscheduleandonthesamedateofeachfollowingmonth.Ifyoudonotpaythefirstpremium,thispolicywillnotbevalid.Youwillreceiveonemonth’scoverforeachmonthlypremiumyoupay.

Ifyouhavepaidoneormorepremiumsbutthenfailtopayanypremiumwhendue,wewillhavetherighttocancelthepolicyasshownbelow.

8.Cancellation

Yourrights

Anyonenamedonthepolicyschedulecancallusatanytimetocancelthepolicy,orremoveadditionalcovers.

Ourrights

Wemaycancelyourpolicyoradditionalcoverswherethereisavalidreason,forexamplewhere:

• youhavenotpaidyourpremiumwhendue.Ifyoumissapaymentwewillwritetoyougivingafurtherdatetopay.Ifwedon’treceivepaymentbythenwewillcancelthepolicyfromthedateshownontheletter;

• wereasonablysuspectfraud;

• youfailtoco‑operatewithusorgiveusinformationordocumentationweaskfor,andthisaffectsourabilitytoprocessaclaimordefendourinterests;

• youhavenotgivencompleteandaccurateanswerstothequestionsweask.

Wherewecancel,wewillalwaysgiveyouatleast14days’noticebypostoremailtothelastaddressyouhavegivenusandtellyouthereasonwhy.Theexceptioniswherewehaveevidencethatyouhaveactedfraudulentlyordeliberatelygivenusincorrectorincompleteinformationwhenwemaycancelyourpolicywithoutnoticeandbackdatethecancellationtothedatewhenthishappened,whichcouldbewhenyoufirstboughtyourpolicy.

WillIgetapremiumrefund?

• Ifyoucancelyourcoverbeforeitstartswe’llrefundanythingyou’vealreadypaidforthatcover,or

• Ifyoucancelyourcoverafterit’sstartedwe’llrefundyouforanyremainingdaysthatyou’vealreadypaidfor.

Therefundsetoutabovewillnotapplyifwecancelyourpolicybecauseofyourfraudand/orwearelegallyentitledtokeepthepremiumundertheConsumerInsurances(DisclosureandRepresentations)Act2012.

9.Claims

Yourduties

Assoonasyouareawareofaneventorcausethatislikelytoleadtoaclaimunderthispolicy,youmust:

a. tellthepoliceimmediatelyifyouhavelostsomethingoryourclaimresultsfromacriminalact(egtheftormaliciousdamage)andgetacrimereferencenumber;

b. notifyyournetworkproviderwithin24hoursofdiscoveringthelossortheftofyourgadgetifyoumaywanttoclaimforunauthorised useunderGadgetcover;

c. contactusassoonasreasonablypossibleandprovidealltheinformationandhelpweneedtosettleyourclaim;

d. telluswithoutunnecessarydelayifanypropertyislaterreturnedtoyou;

e. callusifyoureceiveanyinformationorcommunicationabouttheeventorcause;

f. avoiddiscussingliabilitywithanyoneelsewithoutourpermission.

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Tohelpussettleyourclaim

Itisyourresponsibilitytoproveanylossandthereforewemayaskyoutoprovidereceipts,valuations,photographs,instructionbookletsandguaranteecardsandanyotherrelevantinformation,documentsandassistancewemayrequiretohelpwithyourclaim.

Ourrights

• Wewillbeentitled,atourcost,butinyourname,to:

– takelegalproceedingsforourownbenefitinrespectofthecostoftheclaim,damagesorotherwise;or

– takeoverandconductthedefenceorsettlementofanyclaim.

Wewillhavefulldiscretionintheconductofanylegalproceedingsandinthedefenceorsettlementofanyclaim.

• Nopropertymaybeabandonedtous.

SettlingPropertyClaims

Wecanchoosetosettleyourclaimby:

• replacing;

• reinstating;

• repairing;

• payment.

Replacementwillbeonalikeforlikebasisorbasedonthenearestequivalentinthecurrentmarket.Pleasenotethatourreplacementmobilephonesarerefurbishedmodels–seetheadditionalconditionsforgadgetsbelow.

Ifwecanrepairorreplacepropertybutagreetomakeacashorvouchersettlementwewillonlypayyouwhatitwouldcostustorepairorreplaceitasnew.

Additional conditions when you’re claiming for a gadget

• Ourreplacementphonesarerefurbishedmodels.

• Weaimtoletyoukeepyourexistingtelephonenumber,butif(forreasonsbeyondourcontrol)youcan’tthenyourreplacementphonewillbeconnectedtoanewnumber.

• Replacementgadgetswillnotincludeanystoredinformationaddedtoyouroriginalgadgetincludingdata,downloads,videos,musicandapplications.

• Ifyourclaimrelatestoanincidentabroad,wewillnotreplacethegadgetuntilyoureturntotheBritish Isles.

• Youwillneedtoremoveanysecurityprotection(egActivationLockoniPhones)beforewecanprocessyourclaimfordamageormobile breakdown.

• Ifyouareclaimingforunauthorised useofyourgadgetyouwillneedtoprovideevidenceofyourloss(forexampleitemisedbillsorevidenceofphonecreditorrecenttopups).

Whatwewillpay

Cover limits

• Wewillpayuptothelimit(s)shownonyourschedule(orinthisbooklet)foranyoneclaim.

• Wherea‘singleitemlimit’applies,thisisthemostwewillpayforanyoneitem,setorcollection(unlessspecifiedindividuallyonyourschedule,inwhichcasewewillpayuptotheitemlimit).

• Thelimitsshownonyour schedulewon’tbereducedifwe payaclaim.However,ifyou claimforloss/theftofaspecifieditemandyou don’treplacetheitemyou shouldarrangeforittoberemovedfromyour policy,soyoudon’tpayforcoveryou don’tneed.

Extra amounts we’ll pay

Ifweacceptaclaimforlossordamagetobuildingswewillalsopayfor:

• architects’andsurveyors’feestorepairthebuildings.Thesefeesmustnotbemorethanthoserecommendedbytherelevantprofessionalinstitutesandmustnotincludeanyamounttohelpyouprepareyourclaim;

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• thecostofdemolishingorsupportingthedamagedpartsofthebuildingswhichwehaveagreedtopay;

• thecostofmeetingbuildingregulationsormunicipalorlocalauthoritybye‑laws,unlessyouhadalreadybeentoldabouttherequirementbeforethebuildingsweredamaged.

Setsandpairs

Ifwehaveacceptedaclaimforlossordamagetosomethingwhichispartofamatchinggrouporsetofitems,andwecan’tsourceamatchingreplacement,we willpaytoreplacetheundamagedpart(s)ofthematchinggroup,asfollows:

• forBuildings,BuildingsLandlordsand/orContentscoverwewillpaytoreplaceundamageditemswheretheyarewithinthesameroomoropenplanareaasthedamageditemsorpartsandthedamageditemsare:

–partofafixedsanitarysuite,fittedfurnitureorfloororwalltiles;

–contents

• forothercoversections(exceptforStarterContentscover)wewillpaytoreplaceundamagedpart(s)ofthematchinggrouporsetofitems.

Whatwewon’tpay

• thecostofreplacinganyundamageditemswhichformpartofapair,set,suiteoranyotheritemofauniformnature,designorcolourunderStarterContentscoverandunderanyotherpartofthepolicyexceptasshownabove;

• anylossthatisnotthedirectresultoftheinsuredincident(forexample,ifthevalueofanitemorthemarketvalueofyour homereducesbecauseit’sbeenrepairedorifyoucan’tmakecallsbecauseyouhavelostyourphone),unlesswespecificallytellyouotherwiseinanypartofthepolicy.

Settlingliabilityclaims

Foranyclaimorseriesofclaimsinvolvinglegalliabilitycoveredbythispolicy,wewillpay:

a. uptothelimitshownonyour schedule(lessanyamountsalreadypaidbyus);or

b. anyloweramountforwhichwecansettleyourclaim.

Oncewehavemadethepayment, wewillhavenofurtherliabilityinrespectofyourclaim,apartfrompayingcostsandexpensesyouincurredbeforethepaymentdate,orreclaimingcostsandexpensesweincurred.

10.Fraud

Ifyourclaimisinanywaydishonestorexaggeratedwe willnotpayanybenefitunderthispolicyorreturnanypremiumtoyouandwemaycancelyourpolicyimmediatelyandbackdatethecancellationtothedateofthefraudulentclaim.Wemayalsotakelegalactionagainstyou.

11.No‑claimdiscount

• Ifyoumakeaclaimunderoneormoreofthefollowingcovers:

Buildings,BuildingsLandlord,Contents or StarterContents wewillreduceyourno‑claimdiscountundertherelevantcover(s)atyourpolicyrenewalunlessyouhaveboughtProtectedNoClaimdiscounttoprotectyour discountandpremiumunderthatcoversection.

• Ifyou donotmakeaclaimunderyourpolicy,wewillincreaseyourno‑claimdiscountatyourpolicyrenewal(untilyou reachourmaximumof5yearsdiscount).

12.OtherInsurance

Ifthereisanyotherinsurancecoveringthesameclaim,orwouldhavecoveredtheclaimbutfortheexistenceofthispolicy,we willnotmakeanypaymentunderOccupiers,PersonalandEmployersLiabilityuntilallcoverunderthatotherinsuranceisexhausted.

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Forallotherclaimswewillnotpaymorethanourshareoftheclaim,eveniftheotherinsurerrefusestheclaim.

Importantnote:

Thisconditionwillnothavetheeffectofleavingyouwithoutcoverforanyclaimandoperateswherethereisanyotherinsurancecoveringthesameclaim(orwouldhaveintheabsenceofthispolicy)anddetermineshowthoseinsurancepoliciesapply.

13.Jointpolicyholders

Ifthereismorethanonepolicyholdernamedonthepolicyanyofthemcanamendthepolicyormakeaclaimandwemaypaytheclaimtothatperson.Ifyouwanttoremoveapolicyholderfromthepolicy,wecanonlyacceptauthorityfromthatperson,byacourtorder,orbythewrittenagreementofthatperson’spersonalrepresentatives(ifheorshehasdied).

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General ExclusionsTheseexclusionsapplytoallsectionsofthepolicyexceptfor:

• LegalServiceswhereExclusions1to7donotapply;

• HomeEmergencywhereExclusions1to4donotapply.

Wewillnotcover:

1. Theexcess

theexcess(es)shownonyourschedule.

Ifweacceptaclaimforsubsidence,heave,orlandslipdamagetoyour buildingsthen,regardlessoftheunderlyingcause,thesubsidence,heaveandlandslipexcessshownonyourschedulewillapplytoyourclaim

2. Faultymaterialsorworkmanship

damagecausedbyfaultyorunsuitablematerials,designorpoorworkmanship.

3. Theftbydeception

theftwheresomeonedeceivesyoutostealyourproperty(egtricksyouintohandingitoveror‘buys’itwithoutmakingaproperpayment).Thisdoesn’tapplywheretheyonlyusedeceptiontogetintoyourhometostealproperty.

4. Confiscationordetention

confiscationordetentionbycustomsorotherofficials.

5. War

anyconsequencewhatsoeverwhichisthedirectorindirectresultofanyofthefollowing,oranythingconnectedwithanyofthefollowing,whetherornotsuchconsequencehasbeencontributedtobyanyothercauseorevent:

war,invasion,actofforeignenemy,hostilitiesorawarlikeoperationoroperations(whetherwarbedeclaredornot),civilwar,mutiny,rebellion,revolution,militaryrising,insurrection,civilcommotionassumingtheproportionsoforamountingtoanuprising,militaryorusurpedpower.

6. Terrorism

anyconsequencewhatsoeverwhichisdirectlyorindirectlycausedbynuclearand/orchemicaland/orbiologicaland/orradiologicalmeans,oranythingconnectedwiththosemeans,andwhichisthedirectorindirectresultofTerrorism,oranythingconnectedwithTerrorism,whetherornotsuchconsequencehasbeencontributedtobyanyothercauseorevent.Terrorismmeans:

a. theuseorthreatofforceand/orviolenceand/or

b. actualorthreatenedharmordamagetolifeortopropertycausedoroccasionedbyanypersonorgroupofpersonsinwholeorinpartforpolitical,religious,ideologicalorsimilarpurposesincludingtheintentiontoinfluenceanygovernmentand/ortoputthepublicoranysectionofthepublicinfear,orisclaimedtobecausedoroccasionedinwholeorinpartforsuchpurposes.

7. OtherActions

anyconsequencewhatsoeverwhichisthedirectorindirectresultofanyofthefollowing,oranythingconnectedwithanyofthefollowing,whetherornotsuchconsequencehasbeencontributedtobyanyothercauseorevent:

anyactiontakenincontrolling,preventing,suppressingorinanywayrelatingto5)Waror6)Terrorismabove.

8. Radioactivity

loss,damageorliabilitywhichinvolves:

a. ionisingradiationorradioactivecontaminationfromnuclearfuelornuclearwaste;or

b. theradioactive,toxic,explosiveorotherdangerouspropertiesofexplosivenuclearequipment.

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9. PollutionorContamination

anythingarisingfrompollutionorcontamination,unlesscausedbyasuddenandunexpectedaccidentwhichcanbeidentified,orbyoilleakingfromadomesticoilinstallationatyourhome.

10.DeliberateorCriminalActs

anylossordamage:

a. deliberatelycausedby;or

b. arisingfromacriminalactcommittedby;

youoranyotherpersonlivingwithyou.

11.Eventsbeforethecoverstartdate

anythingwhichoccurredbeforethecoverunderthispolicystarted.

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Buildings Cover and Buildings Landlords CoverThiscoveronlyapplieswhenshownonyourschedule.

Section

Buildings Cover

Buildings Landlords Cover

TheBuildings ✔ ✔

Lossofrentandthecostofalternativeaccommodation

✔

Forhomeowner,

residentfamilyandlodgers

✔

Alternativeaccommodation

fortenantoryourlostrent

Maliciousdamagebytenants

n/a ✔

Lossortheftofkeys ✔ ✔

Emergencyaccess ✔ ✔

Tracingandaccessingleaks

✔ ✔

Buildingssetsandpairs ✔ ✔

Yourliabilitytothepublic ✔ ✔

Sellingyourhome ✔ ✔

Enhancements

Buildingsaccidentaldamage

✔ ✔

BuildingsProtectedNoclaimdiscount

✔ ✔

Whatiscovered?

Yourscheduleshowsyour sum insuredandanyotherlimitswhichapply.

TheBuildings

Wewillcoverlossordamagetothebuildingscausedbyanyofthefollowing:

1. Fire,explosion,lightning,earthquakeorsmoke.

2. Stormorflood.

3. Maliciouspeople,vandals,riot,civilunrest,strikes,labourorpoliticaldisturbances.

4. Beinghitby:

• aircraftorotherflyingobjectsoranythingfallingfromthem;

• vehiclesoranimals.

5. Waterescapingfromorfreezinginwatertanks,pipes,equipmentorfixedheatingsystems.

6. Heatingfuelleakingfromafixedheatingsystem.

7. Theftorattemptedtheft.

8. Fallingtelevisionorreceivingaerials(includingsatellitedishes),theirfittingsandmasts.

9. Subsidenceorheaveofthelandonwhichthebuildingsstand,orlandslip.

10.Fallingtreesorbranches.Ifweacceptaclaimfordamagetothebuildingsbyfallingtreeswewillalsopayreasonable coststoremovethefallentreeorpartofthetree(thisdoesnotincludeanypartofthetreewhichremainsbelowground).


Ifwehaveacceptedaclaimfordamagetoyour homeandthedamagemeansyour homecan’tbelivedin,wewillpay:

a. reasonableadditionalaccommodationexpensesforyouandyourdomesticanimals;

b. rentpayabletoyou,or(ifnototherwiseinsured)reasonableadditionalaccommodationexpensesforyourtenant(s)oryourlodgersandtheirdomesticanimals;

c. groundrentyoustillhavetopay;

untilthehomeisreadytolivein.

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‘Reasonableadditionalaccommodationexpenses’abovemeanswewillpayforalternativeaccommodationtakingallofthecircumstancesofyourclaimintoaccount,includingyourneeds,thelengthoftimeforwhichaccommodationisneededandalternative(andcomparablecostsof)accommodationavailablelocally.Wearehappytodiscussandcanofferhelpinfindingaccommodation.

Lossortheftofkeys

Ifkeystoexternaldoorsofthehomeoralarmsystemsorsafesfittedinthehomeareaccidentallylostorstolen,wewillpaytoreplacethelocksorlockmechanisms.

Emergencyaccess

Noexcessappliestothissection.

Wewillcoverdamagetothehomefollowingnecessaryaccesstodealwithamedicalemergencyortopreventdamagetothehome.

Tracingandaccessingleaks

Ifthebuildingsaredamagedbywaterorfuelescapingfromwatertanks,pipes,equipmentorfixedheatingsystemsinthehome,wewillpaythereasonable costofremovinganyotherpartofthebuildingsnecessarytofindthesourceoftheleakandmakinggoodaftertheleak’sbeenfixed.

Wewillaskyoutopaytorepairorreplacethepipeorotherpartwhichcausedtheleakifitleakedsimplybecauseithadfailedorwornout.Thisisbecauseyouarenotcoveredfor‘wearandtear’orbreakdowns.

Sellingyourhome

Ifyouhavecontractedtosellthebuildingsandtheyaredamagedbeforethesaleiscompleted,thebuyer(ifnototherwiseinsured)willbeentitledtobenefitfromthisinsurance(forthedamageordestruction)oncethesalehasbeencompleted.

Whatisnotcovered?

• Wearandtear

Bythiswemeandamagewhichhappensnaturallyandpredictablyasaresultofnormaluseorageing.Forexample,anageingflatroofcanfailallowingwatertogetin.Insurancedoesn’tcoverthis–it’spartofyourresponsibilityasthehomeownertokeepyourhomeingoodorder.

• Stormdamagetofences,gatesandhedges.

• Lossordamagecausedbythefollowingwhenyourhomehasbeenleftunoccupiedformorethantheperiodshownonyourschedule:

– maliciouspeopleorvandals;

– waterfreezinginorescapingfromwatertanks,pipes,equipmentorfixedheatingsystems;

– heatingfuelleakingfromafixedheatingsystem;

– theftorattemptedtheft.

• Wetordryrotarisingfromanycause,exceptwheretherotwasdirectlycaused:

– byanunforeseeneventwhichiscoveredbyyourpolicy;or

– byrepairsorpreventativeworkcarriedoutbythetradespersonwearrangedtodealwithyourclaim.

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• Lossordamagecausedby:

– frost;

– riverbankorcoastalerosion;

– settlement,shrinkageorexpansionofpartsofthebuildings.

• Subsidence,heaveorlandslip:

– toanypartofthebuildingsexceptthehouse,flatoroutbuildingsunlessweaccept(orhavealreadyaccepted)aclaimforsubsidence,heave,orlandslipdamagetothehouse,flatoroutbuildings;

– ifyouknewwhenthispolicystartedthatanypartofthebuildingshadalreadybeendamagedbysubsidence,heaveorlandslipunlessyoutoldusaboutthisandweacceptedit

• Theftorattemptedtheftbyyou,yourpayingguestsortenants.

• AnythingshownintheGeneralExclusions

Yourliabilitytothepublic

ThiscoverisincludedwithBuildingsandBuildings Landlordcover.Noexcessappliestothissection

Whatiscovered?

Yourlegalliabilitytopaydamagesandclaimant’scostsandexpensesfor:

• accidentalbodilyinjuryorillness;

• accidentallossofordamagetoproperty;

whichhappensduringtheperiodofinsurance,whereyourresponsibilityarises:

• fromyouowningthebuildinganditsland;or

• underSection3oftheDefectivePremisesAct1972(ortheDefectivePremisesNorthernIrelandOrder1975)foranyformerpropertyownedandinsuredunderthispolicy,foraccidentshappeningduringtheperiodofinsurance,orup

tosevenyearsafterwards,providedtheyarenotcoveredbyanyotherinsurance.

Wewillpayuptothelimitshownonyourscheduleforanyoneincidentand,inaddition,willpayallyourcostsandexpensesthatwehavealreadyagreedtoinwriting.

Whatisnotcovered?

Liabilityinconnectionwith:

• youoccupyingthebuildinganditsland;

• anyemployeeforanythingwhichhappensfrom,andinthecourseof,theiremploymentbyyou;

• lossofordamagetopropertythatbelongstoyouorisinyourcare;

• yourtrade,businessorprofession(exceptaslandlordofthehome);

• anymotorised vehicle;

• anyelectricallyassistedpedalcyclewhile:

– anywhereoutsideofEngland,WalesandScotland;

– withinEngland,WalesandScotlandwherethereisalegalrequirementtopayVehicleExciseDutyforroaduse(seewww.gov.uk/electric‑bike‑rules);

• anyagreementunlessyouwouldhavestillbeenlegallyliablewithoutthatagreement;

• anythingshownintheGeneralExclusions.

Important note

Accidentswhichhappeninbuildingsoronlandare,inlaw,nearlyalwaystheresponsibilityofthepersonwholivesthere,ratherthantheowner.Thissectioncoversyourliabilityarisingfromyouowningthehome(e.g.ifyouarealandlord).Ifyouownthehomeandalsoliveinit(e.g.yourmainhomeoryourholidayhome),anyliabilityarisingasoccupierisnotcoveredunderthissection,butthisisprovidedifyoutakeContentscover.

http://www.gov.uk/electric-bike-rules

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Options to extend or enhance your chosen buildings cover

Buildings Accidental Damage CoverThiscoveronlyapplieswhenshownonyour schedule

Whatiscovered?

Allotheraccidental damagetothebuildingsthatisnotcoveredbyyourBuildingscoverorBuildingsLandlordscover.

Whatisnotcovered?

• Thecostofreplacementorrepairfollowingabreakdownorfault(egbrokendownboiler).

• Chewing,scratching,tearingorfoulingbydomesticanimals.

• Damagecausedby:

− vermin,insects,fungus,weatherconditions;

− waterenteringyour homeregardlessofhowthishappened(pleasenoteBuildingscoverandBuildingsLandlordcovercoverswaterdamagecausedbyflooding,astorm orfromleakingpipes,tanks,equipmentorfixedheatingsystem);

− buildingalterations,renovations,extensionsorrepairs.

• Anythingexcludedunder Buildingscover, BuildingsLandlordcoverortheGeneralExclusions.

Buildings Protected No Claim DiscountThisenhancementonlyapplieswhenshownonyour schedule.

TobeeligibleforProtectedNoClaimDiscount youmust:

• have5yearsNoClaimDiscountascalculatedbyus;and

• beclaimfreeforatleastthelast3years;and

• haveanexcess ofatleast£100.

FromthedayyouaddProtectedNoClaimDiscountyourNoClaimDiscountwillnotreduceandyourpremiumwillnotincreaseasadirectresultofaclaim,unless2claimsoccurwithinany5‑yearperiod,inwhichcaseyourNoClaimDiscountwillnotreducebutprotectionagainstfurtherclaimswillbelost.

Foranysubsequentclaim(s)your NoClaimDiscountwillbereducedandyour premiumwillbeimpactedatyour next renewal.

NOTE–A5‑yearperiodstartswhenaclaimoccurs.Ifanotherclaimdoesnotoccurwithin5years,anew5‑yearperiodwillstartwhenthenextclaimoccurs.

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Contents and Starter Contents CoversCoveronlyapplieswhenshownonyour schedule.

Your scheduleshowsyour sum insuredandanyotherlimitswhichapply.

We offertwooptionstocoveryourpossessionsinyourproperty,outbuildingsandgarden.

• Contentscover– ourmostextensivecontents product

• StarterContents–designedforstudentsandothercustomerswhofeeltheydon’tneedallthecoverofferedbyContentscoverand/orwhodon’twishtoinsurealltheirpossessions.

Thetablebelowoutlineswhatcover yougetwitheachoption.

Contentscover Startercontentscover

Is your property let? YourpropertyisNOTlet

YourpropertyISlet

YourpropertyisNOTlet

Yourpropertyislet

Cover

Contentsinthehome ✔ ✔ ✔ ✔

Lossortheftofkeys ✔ ✔ ✔ ✔

Foodinfreezers ✔ ✖ ✖ ✖

Domesticheatingfuelandmeteredwater ✔ ✔ ✖ ✖

Lossofrentandcostofalternativeaccommodation ✔ ✔ ✖ ✖

Householdremovals(professional) ✔ ✔ ✔ ✔

DIYremovals/Contentsintransitto/fromcollegeoruniversity ✖ ✖ ✔ ✔

Occupier’s,personalandemployer’sliability ✔ ✔ ✔ ✔

Tenantsliability* ✔ ✖ ✔ ✖

Emergencyaccess ✔ ✔ ✔ ✔

Personalmoneyinthehome ✔ ✖ ✔ ✖

Maliciousdamagebytenants ✖ ✔ ✖ ✔

Tenantsimprovements* ✔ ✖ ✖ ✖

Contentssetsandpairs(fordetailsseeclaimssettlementinGeneralConditions)

✔ ✔ ✖ ✖

Coverforvisitors’belongings ✔ ✖ ✖ ✖

Enhancements

Contentsaccidentaldamage ✔ ✔ ✔ ✔

Contentsprotectedno‑claimsdiscount ✔ ✔ ✔ ✔

*Onlyifyouareatenant

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Whatiscovered?

Contentsinthehome

Loss ofordamagetocontentsinthehome causedbyanyofthefollowing:

1. Fire,explosion,lightning,earthquakeorsmoke.

2. Stormorflood.

3. Maliciouspeople,vandals,riot,civilunrest,strikes,labourorpoliticaldisturbances.

4. Beinghitby:

a. aircraftorotherflyingobjectsoranythingfallingfromthem;

b. vehiclesoranimals.

5. Waterescapingfromwatertanks,pipes,equipmentorfixedheatingsystems.

6. Heatingfuelleakingfromafixedheatingsystem.

7. Theftorattemptedtheft.

8. Fallingtelevisionorreceivingaerials(includingsatellitedishes),theirfittingsandmasts.

9. Subsidenceorheaveofthelandonwhichthe buildingsstand,orlandslip.

10.Fallingtreesorbranches.

Lossortheftofkeys

Ifkeystoexternaldoorsofthehomeoralarmsystemsorsafesfittedinthe homeareaccidentallylostorstolen,wewillpaytoreplacethelocksorlockmechanisms.

Foodinfreezers

Wewillcoverlossofordamagetofoodstoredinafreezerinyourhome, duetoachangeintemperatureorcontaminationbyfreezingagents,whichisnotcausedbyadeliberateact,orstrikesbyyourpowersupplycompany(oritsemployees).

Domesticheatingfuelandmeteredwater

We willcovertheftoraccidentalleakageofdomesticheatingfuelormeteredwateratyourhome.


Ifthe homeisdamagedbyanycausecoveredunderBuildingscover andBuildingsLandlordscover sections1to10andthedamagemeansyourhomecan’tbelivedin,wewillpay:

• reasonableadditionalaccommodationexpensesforyouandyour domesticanimals;

• rentpayabletoyou,or(ifnototherwiseinsured)reasonableadditionalaccommodationexpensesforyourtenant(s)oryour lodgersandtheir domesticanimals;

untilthehomeisreadytolivein.

Whenwereferto‘reasonableadditionalaccommodationexpenses’abovethismeanswewillpayforalternativeaccommodationtakingallthecircumstancesofyour claimintoaccount,includingyourneeds,thelengthoftimeforwhichaccommodationisneededandalternative(andcomparablecostsof)accommodationavailablelocally.We arehappytodiscussandcanofferhelpinfindingaccommodation.

Householdremovals

Wewillcoveraccidental damageortheftofcontents (exceptpersonal money,jewellery,watches,itemsofgoldorplatinum,stampsandcoins)duringprofessionalremovalfromthehometoyournewpermanenthome,oronethat your tenantwilloccupy,(includingwhileintemporarystorageforuptosevendays)withintheBritish Isles.

DIYremoval/Contentsintransittoorfromcollegeoruniversity

Wewillcoverlossofordamageto yourcontents(exceptpersonal money,jewellery,watches,itemsofgoldorplatinum,stampsandcoins)causedbyanythinglistedunderContentsinthehomewhileintransitwithintheUnitedKingdombetween:

• the homeandyournewpermanenthome,oronethat your tenantwilloccupy

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• your termtimeandnon‑term‑timeaddressatthestartandendofeachvacation,whileyouareatcollegeoruniversity.

Tenant’sliability

Wewillcoveryourlegalliabilityasatenantfor:

a. lossofordamagetothelandlord’shomeandfixturesandfittingsbyanythinglistedunderContentsinthehome;

b. accidental damage to:

− anyofthefollowingwhichformpartofthehome:fixedbaths,showertrays,showerscreens,bidets,washbasins,splashbacks,pedestals,sinks,toiletpansandcisterns(andtheirfixturesandfittings)andfixedglass(includingglassinsolarpanels);

− cablesorundergroundpipesthatprovideservicestoorfromthebuildings,andseptictanksanddraininspectioncovers.

Tenant’sImprovements

Wewillcovertenant’s improvements(meaningkitchens,fittedwardrobes,bathrooms,doubleglazing,conservatories,greenhouses,sheds,garages,woodorlaminateflooringyouhavepaidforastenant)for:

• lossordamagecausedbyanythinglistedunderContentsinthehome;

• accidental damagetofixedglassandsanitaryfittings(egbaths,showertraysandshowerscreens)thatformpartofthebuildings.

Emergencyaccess


Wewillcoverdamagetocontentsfollowingnecessaryaccesstothehometodealwithamedicalemergencyorpreventdamagetothehome.

Whatisnotcovered?

• Wearandtear.

Thismeansdamagewhichhappensnaturallyandpredictablyasaresultofnormaluseorageing,suchaslongtermexposureofsoftfurnishingstosmoke.

• Thecostofrepairingorreplacingitemswhichhavebrokendownordevelopedafault(forexampleafreezerorlaptopthathasstoppedworkingorisfaulty).

• Anythingnotdefinedascontentsinthe Definitions section.

• Lossordamagecausedbythefollowingwhenyour homehasbeenleftunoccupiedformorethantheperiodshownonyour schedule:− maliciouspeopleorvandals;− waterescapingfromwatertanks,pipes,equipment

orfixedheatingsystems;− heatingfuelleakingfromafixedheatingsystem;− theftorattemptedtheft;

• Lossordamagecausedbyriverbankorcoastalerosion;

• Theft:− ofpersonal moneyunlesssomeonehasbrokeninto

oroutofthehome by usingforceandviolenceorhasgotintothe home bydeception;

− ofcycles(includingEbikes)fromthegardenunlesssecurelylockedtoanobjectthatcannotbemoved;

− ifyouliveinaself‑containedflatandthetheftisfromanypartofthebuildingthatotherpeoplehaveaccessto;

− ifyouliveinanon‑self‑containedflat,unlesssomeonehasbrokenintooroutofthehomebyusingforceandviolenceorhasgotintothehomebydeception;

− bypayingguests,tenantsoryou.

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• Propertyinsuredbyanyotherpolicy.

• Subsidence,heaveandlandslipdamagetoconservatoriesunderTenant’sImprovementscover.

• Yourliabilityasatenantresultingfromalterations,renovations,orrepairstothebuildings.

• AnythingshownintheGeneralExclusions.

Occupier’spersonalandemployer’sliability.


Whatiscovered?

Yourlegalliabilitytopaydamagesandclaimants’costsandexpensesfor:



whichhappensduringtheperiodofinsuranceintheBritish Isles(oranothercountrywhichyouaretemporarilyvisiting)andwhereyourresponsibilityarises:

a. asoccupier(notasowner)ofthehome;or

b. inapersonalcapacity(notastheowneroroccupierofanybuilding,landorfixedproperty);or

c. astheemployerofadomestic employee wheretheaccidenthappensfrom,orinthecourseoftheirdomesticemploymentwithyou.

We willpayuptotherelevantlimitshownonyour scheduleplusrelatedcostsandexpensesthatwehaveagreedtoinwriting.

Whatisnotcovered?

Liabilityinconnectionwith:a. youowningland,buildingsorotherfixedproperty;

b. youlivinginoroccupyinglandorbuildingsexceptthehome

c. caravans,aircraftandboats,boardsandcraftdesignedtobeusedonorinwater,except:• watercraftthatareonlypropelledbyoarsor

paddles;• toysormodelsthatareremotelycontrolledbya

pedestrian;

d. deliberateormaliciousacts;

e. thepassingonofaninfectiousdiseaseorvirus;

f. anytrade,businessorprofession;

g. you (oranyoneonyourbehalf)owning,possessingorusinganymotorised vehicle;

h. anyelectricallyassistedpedalcyclewhile:• anywhereoutsideofEngland,WalesandScotland;• withinEngland,WalesandScotlandwherethereis

alegalrequirementtopayVehicleExciseDutyforroaduse(seewww.gov.uk/electric‑bike‑rules);

i. dangerousdogsasdefinedintheDangerousDogsAct1991oranylaterlegislation;

j. anyagreementunlessyouwouldstillhavebeenlegallyliablewithoutthatagreement;

k. lossofordamagetopropertybelongingto you orinyourcareorcontrol;


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l. bodilyinjuryorillnesstoyou.

Whereaclaimrelatestoyouremploymentofadomestic employeeexclusions(a)to(f)willnotapplyandexclusions(g)and(h)willnotapplyunlessprotectionisneededunderanyoftheActs,LawsorRegulationswhichgovernthedrivingoruseofanymotorvehicleinGreatBritain,NorthernIreland,theIsleofManandtheChannelIslands.

Important note

Accidentswhichhappeninbuildingsoronlandare,inlaw,nearlyalwaystheresponsibilityofthepersonwholivesthere,ratherthantheowner.Thissectioncoversyourliabilityarisingfromyouoccupyingthehome.Anyliabilityarisingsolelyfromyourownershipofthehome(e.g.ifyouarealandlordanddon’tliveinthehome)isnotcoveredunderthissection,butthisisprovidedifyoutakeBuildingscover.

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Options to extend or enhance your chosen contents cover

Contents Accidental Damage CoverThiscoveronlyapplieswhenshownonyour schedule.

Whatiscovered?

Allotheraccidental damagetocontentswhileinthehome thatisnotcoveredbyContentsorStarterContents.

Whatisnotcovered?

• Chewing,scratching,tearingorfoulingbydomesticanimals.

• Damagecaused:

− byweatherconditions,moths,vermin,insects,fungus,damp,rust,wetordryrot;

− bywaterenteringyour homeregardlessofhowthishappened(pleasenoteContentsinthehomecoversyouforwaterdamagecausedbyflooding,astormorfromleakingpipes,tanks,equipmentorfixedheatingsystems);

− tofood;

− whilethehomeoranypartofitissub‑let.

• AnythingwhichisexcludedunderContentsinthehomeorshownintheGeneralExclusions.

Contents Protected No Claim DiscountThisenhancementonlyapplieswhenshownonyour schedule.

TobeeligibleforProtectedNoClaimDiscountyoumust:

• have5yearsNoClaimDiscountascalculatedbyus;and

• beclaimfreeforatleastthelast3years;and

• haveanexcessofatleast£100.

FromthedayyouaddProtectedNoClaimDiscountyourNoClaimDiscountwillnotreduceandyourpremiumwillnotincreaseasadirectresultofaclaim,unless2claimsoccurwithinany5‑yearperiod,inwhichcaseyourNoClaimDiscountwillnotreducebutprotectionagainstfurtherclaimswillbelost.

Foranysubsequentclaim(s)your NoClaimDiscountwillbereducedandyour premiumwillbeimpactedatyour nextrenewal.

NOTE–A5‑yearperiodstartswhenaclaimoccurs.Ifanotherclaimdoesnotoccurwithin5years,anew5‑yearperiodwillstartwhenthenextclaimoccurs.

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Home Emergency CoverThiscoveronlyapplieswhenshownonyour schedule.

Yourscheduleshowsthecoverlimitswhichapply.

Usingthiscoverdoesnotaffectyournoclaimdiscountandthereisnoexcesstopay.

HomeEmergencyCoverprovidesyou withassistanceintheeventofanemergency atyour property.

Wedescribeanemergency asasuddenandunforeseenincidentwhich:

• causesalossofessential services ordamagetoyour property; or

• exposesarisktoyour health;or

• makesyour property uninhabitable;and

whichissetoutbelowinanyofthe‘Whatiscovered?’sections.

Thetypesofemergencies coveredare:

• Breakdownofmainheatingsystem(gas,oilorelectric);

• Internalandexternalplumbinganddrainageproblems;

• Suddenandunexpecteddamagetothehouseroofcausedbybadweatherorafallentree;

• Electricalemergency andbreakdown;

• Problemswithinternalgassupplypipe;

• Securityriskssuchaslostkeys,failureof,ordamageto,externallocks,doorsandwindows;or

• Pestinfestationsinthemainproperty.

Useful information about Home Emergency Cover Restrictionperiod

You arenotcoveredforanyemergency thathappensbeforeyour HomeEmergencyCoverstartsorwithin7daysofthestartdateofyourcoverasstatedintheschedule.The7‑day

restrictionappliesonlyatthestartofyour HomeEmergencyCover;itdoesnotapplywhenyou renewyour cover.

Smellgas;thinkyouhavealeak?

Ifyou thinkyou haveagasleakyou MUSTimmediatelycalltheNationalGasEmergencyServiceon0800111999.TheNationalGasEmergencyServicewillneedtovisityour property andisolatetheleakbeforewe canprovideanyassistance.

BoilerServicing&CarbonMonoxideleak

Whenthegasthatfuelsyour boilerisn’tburntcorrectly,carbonmonoxideisproduced.Carbonmonoxidecannotbeseenorsmeltbutcancauseheadaches,nausea,drowsinessandcancausedeathaswell.Soitisvitaltogetyour boilerandgasappliancesinspectedandservicedregularly.Thiswillensuretheyareworkingassafelyandefficientlyaspossible.

Creatingaccess

Onarrivingatyour property,theengineer willaimtolocatethesourceoftheincident.Ifdirectaccessisnotavailable(forinstanceiftherearefloortilesorfloorboards,oranyofyour possessions,suchasstorageboxesorfurniture,intheway)theengineer willneedtocreateaccess.Ifyou wanttheengineer todothis,you willbeaskedtoconfirmthisinwritingwhiletheengineer isatyourproperty.Unlessstatedinanyofthe‘Whatiscovered?’sectionsbelow,we willnotcoveryou foranydamagethatmaybecausedtotheproperty,itscontents,fixtures,fittings,flooringsorsanitaryware(unlessthedamageiscausedbyourengineer’s negligence).Ifyou donotwanttheengineer tocreateaccess,we willbeunabletodotheworkuntilyou havearrangedaccess.

Reinstatement–Wewillreinstateanyfloorcoveringorsurfacetomakeitsafe,withintheclaimslimit.However,wearenotresponsibleforreinstatingfloorcoverings,fixturesorfittingstotheiroriginalstandards.

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Ourrights

We areentitled(atour costbutinyour name)todefendanylegalactionortostartortakeoveranylegalactiontorecoveranypaymentswe havemadetoanyotherpersonororganisation,inconnectionwiththiscover.We willhavecompletecontrolofanysuchlegalaction,includinganydecisiontosettle.

You agreetogiveus alltherelevantinformation,documentsandassistancewe requiretoenableanyclaimtobevalidatedsothatwe canachieveasettlementorpursuearecovery.

Explainingthepartiesinvolvedinthiscover

ThisHomeEmergencycoverisunderwrittenbyAvivaInsuranceLimited.ClaimshandlingismanagedbyHomeServeMembershipLimited.

HomeEmergencyCoverDefinitions

Inthissection,whereverthefollowingwordsorphrasesappearinbold,theywillhavethefollowingmeanings:

emergency

Asuddenandunforeseenincidentattheproperty whichissetoutinanyofthe‘Whatiscovered’sectionsbelowandwhich:

• exposesyou orathirdpartytoahealthrisk;or

• causesalossofessential services ordamagetotheproperty;or

• makestheproperty uninhabitable.

engineer

Apersonemployedorauthorised(orboth)byHomeServetoassistwithyour emergency.

essentialservices

Anyofthefollowingservices:

• mainsdrainage,uptotheboundaryoftheproperty;or

• water,electricityandgassupplytoandwithintheproperty;or

• themainsourceofheatingoftheproperty.

property

Thetotalareaofthelandandbuildingsattheaddresssetoutintheschedule includingthehouse,flatorapartmentandanyattachedoutbuilding(forexample,agarageorlean‑toshed),butexcluding:

• anycommunalorserviceductareas;and

• detachedgarages,sheds,greenhousesandnon‑permanentstructures.

we/our/us

AvivaInsuranceLimited

you/your

Theowneroftheproperty whoisnamedontheschedule andanypersonauthorisedtobeintheproperty atthetimeoftheemergency.

Your cover• Intheeventofanemergency, we willcoverthecostsof

labour,partsandmaterials(includingVAT)uptothelimitshownonyour schedule.

• Thereisnolimittothenumberofclaimsyou canmake.

• Ifyour property becomesuninhabitableasaresultofanemergency,we willreimburseyou foryour hotelcosts(roomandtransporttothehotelonly)uptothelimitshownonyour schedule

We willnotcoveranythingthatisspecificallyexcludedinanyofthe‘Whatisnotcovered’sectionsbelow

Repairofyourmainheatingsystem

Whatiscovered?

Wewillcoveryourmainheatingsystemasfollows:

A. Breakdownofgascentralheatingsystem.

B. Breakdownofoil‑firedcentralheatingsystem.

C. Breakdownofelectricheaters.

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Whatisnotcovered?

a. routinemaintenance,cleaningandservicing;b. LPG(liquidpetroleumgas)boilers;c. dual‑purposeboilers(egAgasandRayburnsusedfor

cookingandcentralheating);d. warm‑airandsolar‑heatingsystems;e. sludge,scaleorrustintheprimaryheatingsystemor

damagecausedbyaharmfulchemicalinthewater;f. repairorreplacementofconvectorheaters,watertanks

andhotwatercylinders;g. separateheatersprovidinghotwater;h. adjustmentoftimingandtemperaturecontrols;i. resettingofcircuitbreakersthatyoucanreset,if

resettingfallsoutsidethepermanentrepairworkwedo;j. underfloorheating;k. otherappliancessuchascookersandfires;l. radiatorsorradiatorvalves;orm.boilerswhicharestillworking,butyoususpectmaybe

abouttobreakdown(egwhereanoisehasdeveloped).

UsefulInformationaboutthecoverforyourmainheatingsystem

MainHeatingsystemsthatarebeyondeconomicalrepair

Onassessmentofyourmainheatingsystem,ourengineermaydeclareittobe‘beyondeconomicalrepair’whichmeans:

• thecostofparts(includingVAT)torepairthemainheatingsystemisgreaterthan85%ofthemanufacturer’scurrentretailpriceofareplacementorasimilarmodel;or

• weareunabletoobtaintherequiredmanufacturer’ssparepartsfromoursupplierstocompletetherepairwithin28days.

TemporaryHeating

Ifapartneedstobeorderedanditwilltakeover72hourstoarrivefromtheengineer’s firstvisit,we willdelivertwoelectricalheaterstoyour property.Theheaterswillbeyourstokeep.

Contributiontowardsanewboilerorelectricheater(s)

Intheunlikelyeventthatyour mainheatingsystemisdeclaredbeyondeconomicalrepair,we willadviseyou toreplaceitandwillcontribute£500towardsthecostofanewboilerorelectricheater.You areresponsibleforarrangingareplacement.

Yournewboilerorheater(s)willbecoveredaslongasitisnotexcludedunderanyofthe’Whatisnotcovered’sectionsortheHomeEmergencyCoverGeneralExclusionsbelow.

Boilersandelectricheatersundermanufacturer’swarrantyorguarantee

Ifyour boilerorelectricheaterisunderamanufacturer’swarrantyorguarantee,anyrepairworkundertakenunderthiscovermayinvalidatethatwarranty/guarantee.We stronglyadvisethatyou checkthewarranty/guaranteetermsandconditionsbeforemakingaclaimaswe willnotbeliableintheeventthatourrepairworkinvalidatesanywarrantyorguarantee.

Pleasereadtherelevantsectionbelowforanexplanationofthecoverthatappliestoyour property.

Breakdownofgascentralheatingsystem

Whatiscovered?

Failureofyour gasboilerand/orcentralheatingsystem.WorkwillbedonebyaGasSaferegisteredengineer whowillrepairorreplacetherelevantpart(s).

Examplesofwhatwewillcover:• Nohotwater.• Noheating.• Drainingdownandisolatingofaleakingwatertank,

radiatorsorwatercylindersorboth.

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Whatisnotcovered(alsoseetheHomeEmergencyCoverGeneralExclusions)

a. immersionheaters,combinationcylinders,Elsontanks,thermalstorageunits,(e.g.GledhillBoilermate),unventedhotwatercylinders(e.g.RangePowermax)ortheircontrols;

b. separategasheatersprovidinghotwater;

c. fanconvectorheating;

d. combinedheatandpowersystems;

e. cosmeticdamage;or

f. othergasappliancesexceptgasfiresformingpartofabackboiler.

Breakdownofoil‑firedcentralheatingsystem

Whatiscovered?

Failureofyour oilboilerand/orcentralheatingsystem.Workwillbedonebyaspecialistoilengineer whowillrepairorreplacetherelevantpart(s).

Examplesofwhatwewillcover:• Nohotwater.• Noheating.• Drainingdownandisolatingofaleakingwatertank,

radiatorsorwatercylindersorboth.


a. breakdown,fault,damageordestructioncausedbythesystembeingallowedtorunoutofoilorbytheuseofunsuitablefuel;

b. lossescausedbydelaysbyoursuppliersortheiragentsgettingsparepartsthatarenotimmediatelyavailable;

c. defectorfailingarisingfromtheoriginaldesignoftheboilerorsystemorboth;

d. replacingtheexpansiontank;

e. plasticormetaloiltanksandtheirassociatedpipeworkandcontents;

f. repairorreplacementofthewaterjacketorheatexchanger;

g. flues,exceptbalancedfluesthatareintegraltotheboiler;

h. itemsnotformingpartoftheboilerorsystemorboth,e.g.waterpumpsinstalledseparately;or

i. cosmeticdamage.

Electricheater(s)breakdown

Whatiscovered?

Failureofyour electricalheater(s).Workwillbedonebyanapprovedregisteredengineer whowillrepairorreplacetherelevantpart(s).

Examplesofwhatwewillcover:

• Failureofelectricstorageorpanelheater(s).• Repairorreplacementofthepermanentwiringtothe

electricalheater(s).


a. electricwaterheaters;

b. anyportableandfixedheatingnotpermanentlywiredin,energymanagementsystems,warmairheatingsystems,ElectrotechandSmartheatsystems,wetsystemsandunderfloorheating;

c. heatedtowelrails,infraredheaters,electricfires,skirtingorkickspacefloorheaters;

d. airconditioningunits;

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e. immersionheaters;

f. cosmeticdamagetothecasingofdomesticelectricalheatersortimerswitches;or

g. failureorbreakdownoftimersfordomesticelectricalheaterswherethereisamanualoverridefacility.

Internalplumbinganddrainage

Whatiscovered?

Anemergency relatingtoyour internalplumbingordrainageorboth,whichresultsintotallossofwatertoyour property orlossofwatertoyour kitchentaps,blockeddrainage,leaksorlossoftoiletfacilitiesinyour property.Iftheproperty isaflatorapartment,coverislimitedtotheinsideoftheflatorapartmentthatyou solelyown.


• Blockedtoilet.• Leakingpipe.• Leakingsoilventpipe.• Blockedwastepipe.• Leakingtoilet.• Leakinginternalstop‑tap.• Emergenciesthatrequirethedrainingdownand

isolationofaleakingcold‑watertankorhotwatercylinder.

• Acompletedrainblockagethatresultsinallsinksbeingblocked.


a. domesticappliancesandtheirinletoroutletpipes,e.g.washingmachinesordishwashers;

b. drippingtapsthatneedrepair;

c. replacementofwatertanksorradiators,thermostaticradiatorvalves,hotwatercylindersandsanitaryware(e.g.basinsandtoiletbowls);

d. showersincludingtheshowerunit,controls,outletorshowerhead;

e. frozenpipesthathavenotcausedapermanentblockage;

f. smellsandnoisesfrompipeworkordrains;

g. leakingoverflowpipes;or

h. repairstoyourwatersupplypipe.

Externaldrainage

Whatiscovered?

Ablockagetotheundergrounddrainagepipesthatarenotbeneathorinsideanybuildingoroutbuildingandserveyour property only(i.e.arenotshared)andthatarewithinyour property boundary.Ifthedrainagepipeisnotyour responsibility,you willneedtocontactyour localwatersupplycompany.

Theengineer willleaveyour drainrunningclearbyunblockingthedrainorrepairingorreplacingdamagedsectionsofwastepipe.Thisincludesleavingthegroundlevelafterrefillinganyholetheengineer hastodig.

Examplesofwhatwewillcover• Blockedexternaldrain.• Collapsedexternaldrain.

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We willnotprovideanycoverunderthisexternaldrainagesectioniftheproperty isaflatorapartment.

Wewillnotcoverthefollowing:

a. drains(sewers)forwhichyou donothaveresponsibility,includingthelateralorshareddrainsanddrainsthatareoutsideyour property boundary;

b. frozenpipesthathavenotcausedpermanentblockage;

c. externalguttering,rainwaterdownpipes,rainwaterdrainsandsoakaways;

d. drainclearancewherewe havepreviouslyadvisedyou toinstallaccesspoints(e.g.roddingeye,manhole)andyou havenotdoneso;or

e. like‑for‑likereinstatementofdecorativeitemssuchashardorsoftlandscaping,drives,pathways,walls,flowerbedsorlawns.

Internalgassupplypipe

Whatiscovered?

Aleakonyour internalgassupplypipe.AftertheNationalGasEmergencyServicehasvisitedyour property andisolatedyour gassupply,workwillbedonebyaGasSaferegisteredengineer,whowillrepairorreplacethedamagedsectionofinternalgassupplypipe.Ourengineer willalsoturnyour gassupplybackon.

Examplesofwhat wewillcover

• Leakinginternalgassupplypipe.

• Leakinggassupplyhoseconnectingtoagascooker.


a. externalgassupplypipe(itistheresponsibilityoftheNationalGrid);

b. appliancesconnectedtoyourinternalgassupplypipe;or

c. sectionsoftheinternalgassupplypipethatareoutsidethe propertyorinsideanyoutbuildingontheproperty.

d. reinstatement–wewillreinstateanyfloorcoveringorsurfacetomakeitsafe,withintheclaimslimit.However,we arenotresponsibleforreinstatingfloorcoverings,fixturesorfittingstotheiroriginalstandards.

Electricalemergencyandbreakdown

Whatiscovered?

Electricalemergencyandbreakdownofthedomesticelectricalwiring,includingpermanentdamagecausedbyapowercuttoyourproperty alone.

Examplesofwhatwewillcover:• Breakdownoffusebox.• Lostpowertocircuit.• Permanentdamagetothedomesticelectricalwiring

causedbyapowercut.


a. apowercutthataffectsmorethanjustyourproperty;

b. non‑permanentwiringorelectrics,e.g.kettles,fairylightsandotherapplianceswithplugs;

c. repairsorreplacementsofwallsockets,switchesandlightbulbsockets;

d. routineelectricalmaintenancetaskse.g.replacinglightbulbsandadjustingthetimer;

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e. permanentwiringtothefollowingappliancesandanywiringorelectricsconnectedtothem:satellitedishes,radioortelevisionaerialsandtheirfittingsormasts,burglaralarmsandsmokedetectors,telephonesandtheirassociatedwiring,doorbellsandelectricalgateorgaragedoorsystems,airconditioningunits;

f. theshowerunitorimmersionheaterunit;

g. portableorfixedelectricalheatingsystemsorenergyefficiencymanagementsystems;

h. repairingorreplacingwiringencasedinrubberorlead;or

i. anypartoftheelectricalwiringwherecompletingarepairwouldresultinabreachofthecurrentelectricalwiringregulationsand/orelectricalsafetystandardBS7671.

Securityandroofing

Whatiscovered?

Damagetoroofing,externalwindowsanddoors,brokenlocksandlossofkeys.

Ifasecurityorroofingincidenthappens,wewillprotect yourpropertyfromfurtherdamageormakesurethepropertyissecure(orboth).


• Useoftarpaulintoprotectthepropertyifroofingtilesareblownoffduringbadweather.

• Boardingupofbrokenglazingtomakethepropertysecure.

• Repairofbrokenlocksforexternalwindowsanddoorsifthe propertyisinsecure.

• Ifyourkeysarelost/stolenandthereisnoothersetavailabletoaccessthemainhouseonyourproperty,wewillprovideanengineertoassessthemostefficientwaytogainaccess.Thisisusuallybyreplacingthelocksandkeys;however,insomecircumstancesitmaybemorepracticaltofindanalternativesolutiontosuitbothparties.

• Makingthepropertysecureafterlossofexternal‑doorkeysthatareyourresponsibility.

• Repairofgaragedoortomakethepropertysecure.


Wewillnotprovidecoverforanyroofingemergencyifthemainhomeonthepropertyisaflatorapartment.


a. lossofkeysforanybuildingonthepropertythatisnotthemainhouse,includingdetachedoutbuildings,garages,greenhouses,shedsorcommunalorsharedareas;

b. lossofkeystothemainhouseonthepropertyifyouhaveaccesstoanothersetofkeys;

c. replacementofanattachedgaragedoor,orrepairorreplacementoftheelectricalunitpoweringagaragedoor;

d. doorsandwindowsthatdonotsecuretheproperty,suchasinternalporchdoors,internaldoorsandinternalconservatorydoors;or

e. claimsforkeys,locksandglazinginsharedcommunalareasifyourpropertyisaflatorapartment.

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Pestinfestation

Whatiscovered?

Removalofaninfestationofthefollowing:

• brownorblackratsorhouseorfieldmiceinthemainhouse,flatorapartmentonyourproperty;and

• wasps’orhornets’nestsanywhereonyourproperty.


Ifyour propertyisaflatorapartment,coverislimitedtotheinsideoftheflatorapartmentthatyouown.


a. ants,cockroaches,bedbugs,fleas,spiders,flies,birds,squirrels,beesoranyotherpestthatmayrequirespecialistremoval;

b. ratsormiceoutsidethemainhouseonthepropertye.g.indetachedgarages,thegardenandotherdetachedoutbuildings;

c. pestinfestationswhereyouhavenotfollowedourpreviousrecommendationsonhowtoavoidsuchproblems;

d. problemswhereyoucannottellusthetypeofpestconcerned;or

e. damagecausedbypeststoyourpropertyandcontents(e.g.ifaratchewedthroughyoursofa),unlessotherwisestatedinany‘Whatiscovered’sectioninthiscover.

Home Emergency Cover ConditionsThefollowingconditionsapplytothissection.AlsorefertotheGeneralConditionssectionofthispolicydocument.

a. Your dutytopreventanemergency–Youmusttakeallreasonableprecautionstopreventanemergency.

b. Youmustensurethatthenormalday‑to‑daymaintenanceofyourpropertyisundertakenandthatthepropertyisingoodcondition.

Home Emergency Cover General Exclusions

Wewillnotbeliablefor:

a. anyevent,lossordamagearisingfromcircumstancesknowntoyoubeforeyourcoverstartdateorinthefirst7daysofcover.Thisexclusiondoesnotapplywhenyourenewyourcover;

b. anycostsoractivitiesabovetheclaimslimitoranyotherlimitspecifiedinany‘Whatiscovered’section.Youareresponsibleforagreeingandsettlinganysuchcostsdirectlywiththeengineer;

c. anylossescausedbyanydelaysingettingspareparts;

d. anyassociatedexpensesorlossesyouincurthatrelatetoanemergencybutarenotdirectlycoveredbythiscover;

e. systems,equipmentorappliancesthathavenotbeeninstalledaccordingtoappropriateregulatorystandardsinplacefortheUKmanufacturer’sinstructionsorboth;orthataresubjecttoamanufacturer’srecall;

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f. instanceswherearepairorreplacementisneededonlybecauseofchangesinlegislationorhealthandsafetyguidelines;

g. anydefect,damageorbreakdowncausedbymaliciousordeliberateaction,negligence,misuseorthird‑partyinterference,includinganyattemptedrepairormodificationtotheelementscoveredbythiscover,whichdoesnotcomplywithBritishStandards;

h. thecostsofanyworkcarriedoutbyyouorpeoplenotauthorisedbyusinadvance;

i. anypartsnotsuppliedandchosenbyus.Subjecttoanyapplicableregulations, ourengineercanfitanalternativepart(thatcomplieswithBritishStandards)suppliedbyyouatthetimeofthevisit(e.g.aswitchortap).However,thispartwillnotbeguaranteed.Our engineerwillnotfitalternativepartssuppliedbyyouwheretheclaimrelatestothegassupplyorthecentralheatingsystem;

j. normalday‑to‑daymaintenanceatyour property,forwhichyouareresponsible;

k. situationswherebecauseofhealthandsafetyandwithyourprioragreement,another engineerhastobebroughtinwhowedonotemploy,e.g.tohandleasbestos;

l. losscausedbydamageoccurringwhilethe propertyhasremainedunoccupiedfor60ormoreconsecutivedays;

m.lossarisingfromsubsidence,heaveofthesiteorlandslipcausedby:

− beddingdownofnewstructures;

− demolitionorstructuralrepairsoralterationstotheproperty;

− faultyworkmanshiportheuseofdefectivematerials;or

− riverorcoastalerosion;

n. loss,damageorindirectcostsarisingasaresultofdisconnectionfromorinterruptiontothegas,electricityorwatermainsservicestotheproperty,forexampleapowercuttoyourneighbourhood;

o. investigativeworkwheretheincidentthatcausedyoutoclaimhasalreadybeenresolved;

p. claimstodowithmobilehomesandbedsits–pleaseseethedefinitionofpropertyintheHomeEmergencyDefinitionssection;

q. lossordamagerelatedto:

− pumpsincludingseweragepumps,drainagepumps;

− showerpumps,anyassociatedelectricsorvalves;

− watersofteners;

− wastedisposalunitsandmacerators;

− airconditioningunits;

− unventedhotwatercylindersortheircontrols;

− cesspits,septictanksandanyoutflowpipes;

− vacuumdrainagesystems;

− swimmingpoolsordecorativefeaturesincludingponds,fountainsandanyassociatedpipes,valvesorpumps;

− ground,airandwatersourceheatpumpsystems;

− powergenerationsystemsandtheirassociatedpipework,pumps,panelsandcontrolsincludingsolarpanelsorwindturbinesorboth;combinedheatandpowersystems(systemsthatgenerateelectricityandheatatthesametime);or

r. anythingsetoutintheGeneralExclusionssectionofthispolicydocument.

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Legal Services CoverThiscoverwillonlyapplyifitisshownonyour schedule.

Pleaseseeyourscheduleforthecoverlimit.

Usingthiscoverdoesnotaffectyournoclaimdiscountandthereisnoexcesstopay.

How to get assistance – Call us first to get help and advice on 08000 514 310.

1 Forconfidentialadvicecall08000 514 310Ourlegalhelplineisavailable24hoursaday,365daysayear.

Pleasehaveyourpolicynumberready.

Thiscoveristohelpyouandyourfamilytopursueordefendlegalclaims.

TheissueswemaybeabletohelpwitharedescribedintheInsuredEventssectiononpages35to37.

Assoonasyoubecomeawareofanissue,pleasecallthe24hourhelplineon08000 514 310andwe willensureyouareprovidedwithhelpandadvice,onaprivatelegalmatter,foryouoramemberofyourhousehold,andyoucancallforadviceasmanytimesasyouneedto.

Itisimportantthatyoutellusaboutadisputeassoonaspossibleafterithappensasthismayimproveyourchancesofwinningthecase(knownasprospectsofsuccess).

2 We’lldiscusstheissuewithyouandhelpyouunderstandyouroptions.

We’ll helpyouunderstandwhatyour legalrightsare,whatcourseofactionisavailabletoyou,ifthatactioncanbetakenbyyou orwhetheryou needtoconsultwithalawyer.We willalsoadviseyou ifyour issuecouldbecoveredunderLegalServicesInsurance.

3 Ifyourissueiscoveredunderthispolicywe’llprovideyouwithalawyer.

Ifyourclaimisacceptedwewillprovideyouwithalawyerwhospecialisesinthelawrelatingtoyourclaim.Youdonothavetofindyourownlawyer aswehaveaccesstoarangeofleadingexpertlawyers waitingtohelpyou.

4 Youwillbeaskedtoprovideevidence.

Shouldyouwishtopursueaclaimthelawyerwillneedyoutoprovideasmuchinformationaspossibletosupport yourcase.Thiscouldinclude:copyofcontracts,witnessdetails,correspondencewithanyoneregardingyourclaimetc.You areresponsibleforprovidingevidencetosupportyourcaseatyourowncost.

5 Thelawyerwillassessyourcasetodetermineyourchancesofwinning.

Thelawyerwillfirstassesshowlikelyyouaretowinyourcase.Wecallthis‘prospectsofsuccess’,andweexplainthisfurtheronpage39.Thelawyerwhoisactingforyoudecidesthis.

Ifthelawyerbelievesthatyouaremorelikelythannottowinyourcasethentheywillpursueitforyouandwewillpaytheircosts and expensesuptotheamountshownonyourschedule.

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6 Ifyouhavesufficientchancesofwinningyourcase,thelawyerwillprogressit.

The lawyerwilltakethenecessarystepstotry,inlinewiththetermsandconditionsofthispolicy,toresolveyour casewiththeotherside.

7 Thecasemayprogresstocourt.

Ifanagreementcannotbemadethenthecasemayprogresstoacourt,tribunalorotherbodywhowilldecidetheoutcome.Youmayhavetoattendandgiveevidence.

8 Wewillcontinuetofundthecosts and expensesuptothelimitshownonyour policyschedule

Providingtheprospectsofsuccessstayinyourfavourwewillcontinue,inlinewiththetermsandconditionsofthispolicy,topayforthelawyer’scosts and expensesthroughouttheclaim.

9 Caseclosure IfyouusealawyerprovidedbyAviva,whetheryouwinorloseyouwillnotbeliableforanypayment(unlesscosts and expensesgoovertheamountshownonyourschedule,andoptionswillbediscussedwithyoubeforethissituationarises).Ifyouareawardedcompensationaspartofyourcasethenyoukeep100%ofyourcompensationawardedandrecoveredtoyou.

Ifyouusealawyerofyour choiceandyouareawardedcompensation,we cannotguaranteeyou willbeabletokeepallofitasaproportionmayberetainedbyyour lawyer.

Your Cover and Insured EventsCall us on 08000 514 310 as soon as you become aware of an issue

Fortheinsuredeventsdescribedbelow,whichoncewehaveagreedtoandauthorised,wewillpayyour costs and expensesto:

a. pursueordefendaclaimfordamages;

b. pursuetheenforcementofanagreement;

c. seekaninjunctionegtostopaneighbourbeingnoisy;

d. seekotherlegalremedy.

Themaximumwewillpayforanyoneclaimisshownonyour schedule.

Ifyouwouldlikesomemoreinformationaboutclaimsgotowww.aviva.co.uk/home‑legalorcall08000 514 310.

Employment DisputesWhatiscovered?

• Adisputewithyour employerregardingyour contractofemploymentincludingunfairdismissal.

• Abreachofyour legalrightsunderemploymentlaw.

• Checkingandadvisingonthetermsofasettlementagreement.

http://www.aviva.co.uk/home-legal

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CommonexamplesofDisputes

• Claimsthroughbeingunfairlyselectedforredundancy.

• Claimsagainstemployersforconstructivedismissal.

• Claimsforsex,raceoragediscrimination.

• Claimsagainstyouremployerforunpaidwages.

• Claimsfordisabilityorillnessdiscriminationincludingcancer.

Whatisnotcovered?

• Anydisciplinaryorgrievanceproceduresatwork.

• Disputeswithyour employerwhichcommencedbeforeorwithinthefirst30daysofthiscoverstartingunlessyouhadasimilarpolicywhichfinishedimmediatelybeforethiscoverbegan.

• Negotiatingwithyouremployerthetermsofasettlementagreement.

Ifyouneedhelptounderstandthedateonwhichthelawsaysyourcontractofemploymentendspleasecallourlegalhelplineon08000 514 310 forassistance.

Property DisputesThepropertydisputesectioncoversyourmainhomeand,forthissectiononly,includesanyotherhomesyouownorrent.

Whatiscovered?

• Adisputerelatingtotheinterferenceofyour use,enjoymentorrightoveryour home.

• Adisputerelatingtodamagetoyour home.

• Adisputeregardinganagreementforthesaleorpurchaseofyour home.

• Adisputewithyour landlordregardingatenancyagreementtorentyour home.

• Adisputewithacontractorinrelationtoworkonyour home.

Whatisnotcovered?

• Aclaimrelatingtoplanningincludingtownandcountryplanninglegislation.

• You willnotbecoveredforaclaimwhichrelates,inanyway,tothelettingoutofapropertye.g.disputesbetweenyouasthelandlordandatenantofanyhomeyou own.

• Aclaimrelatingtoquarrying,gasormineralextractionorothermajorlandworkswheretheeffectisnotlimitedspecificallytoyour home.

CommonexamplesofPropertyDisputeclaims:

• Rightsofwaydisputesespeciallyovershareddriveways.

• Noiseandothernuisancedisputese.g.treerootencroachment.

• Interferencewithdrainsorsewersbybuildingwork.

• Whereaneighbour’sovergrowingivyorleylandiidamagesyour home.

• Boundarydisputesregardingbuildingworkorfences.

Consumer DisputesWhatiscovered?

Adisputeregardinganagreementforthesale,purchaseorhireofgoodsorservicesthatarenotforyour businessuse.

Whatisnotcovered?

Anyclaimrelatedtoleases,tenanciesorlicencestooccupyproperty(howeverthesemaybecoveredunderthepropertydisputessection).

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CommonexamplesofConsumerDisputeclaims:

• Thepurchaseofmotorvehiclesandcaravansfromagarage.

• Disputesfordefectivekitchensandkitchenappliances.

• Claimsagainsttravelagentsforbreachofcontract.

• Defectiveworkmanshipbytradesmene.g.double‑glazingfittersorboilerengineers.

• Adisputerelatingtothepurchaseofanimals.

• Disputeswithretailersregardingfaultygoods.

Personal Injury disputesWhatiscovered?

Aclaimfollowinganincidentthatcausesdeathorinjurytoyou.

Whatisnotcovered?

• Anyclaimforanillnessorinjurywhichdevelopsgraduallyorisnotcausedbyanidentifiableincidente.g.repetitivestraininjury.

• Anyclaimrelatingtoyourowninjuryordeathinamotorised vehiclethatyouaredriving.

CommonexamplesofPersonalinjurydisputeclaims:

• Tripsorslipswhilstatworkorinashop.

• Operatingmachinerywhichisfaultyoryou arenotproperlytrainedtouse.

• Injuriesfollowinganassault.

• Passengersbeinginjuredincarsoronbuses.

• Foodpoisoning.

• Beingknockedoffabikebyamotorist.

Medical or Cosmetic Procedure Negligence disputesWhatiscovered?

• Claimsrelatingtomedicalorcosmeticprocedurenegligencewhichcausesdeathorinjurytoyou.

• Cosmeticprocedureswhichhavenotcauseddeathorinjurymaybecoveredundertheconsumerdisputessection.

Medicalandcosmeticnegligenceclaimswillresultfromtheconsultationdiagnosisand/ortreatmentprovidedbyamedical,dentalorcosmeticpractitionerwhoisresponsibleforyourcare.

CommonexamplesofMedicalorCosmeticProcedureNegligencedisputeclaims:

• Surgerywhichhasnotbeencarriedoutcorrectly.

• Failuretodiagnoseanillnessorinjurycorrectly.

• Adentistremovingahealthytoothbymistake.

• Negligenceduringchildbirth.

• Errorsduringcosmeticprocedurese.g.Botoxtreatmentsorcosmeticsurgery.

Forclaimsrelatingtomedicalorcosmeticprocedurenegligencetheincidentdatewillbedefinedasthedatewhenyou oryour representativefirstkneworshouldhaveknownofanyinjury,illnessordeathcausedbythetreatment.

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Questions and answersWhoiscoveredunderthispolicy?

Thepersonsnamedonyour scheduletogetherwiththeirdomesticpartnerandallmembersoftheirfamily,includingfosterchildren,wholivewiththem

Whereandwhendoestheissue/incidentneedtohavehappenedtobecoveredunderthepolicy?

TheincidentleadingtoaclaimoranyproceedingsmusthavehappenedwithintheUnitedKingdom,ChannelIslandsorIsleofMan;andtheinitialdispute,orseriesofincidentsleadingtoaclaimonthispolicymusthappenafterthiscoverstartsandbeforeitendsasshownonyourschedule

Whowillanswermycallandhandlemycase?

AlegalprofessionalappointedbyAvivawillansweryourcall,andifyouhaveacaseandlegalrepresentationisnecessary,yourcasewillbemanagedbyArcLegalAssistanceLimited(Arc)whoareourtrustedexpert.

Ismycallconfidential?

Wewillgiveyouandmembersofyour householdconfidentialadviceoverthetelephoneonanypersonallegalmatterunderthelawsofEnglandandWales,Scotland,NorthernIreland,theIsleofManortheChannelIslands.Pleasenotethatforourjointprotectiontelephonecallsmayberecordedand/ormonitored.

DoIneedtofindalawyermyself?

No,weknowthatmakingaclaimisastressfultimeandwewantyoutoknowthatyourclaimisinthebesthandspossible.IflegalrepresentationisnecessaryArcwillappointalawyerfromoneoftheirapprovedfirmsofsolicitorstohandleyourlegalcase.Someofthebenefitsofusinganapprovedfirmofsolicitorsinclude:

• yourcasewillbehandledbyafirmofsolicitorsyoucantrustthathasextensiveexperienceintheareaoflawrelevanttoyourclaim;

• thefirmofsolicitorswillhavepassedArc’svettingprocessandprovedthemselvestobeabletoworktohighqualitystandards;

• incaseswhereyoumaybeduecompensationfromanotherparty,youwillkeep100%ofthecompensationawardedandrecoveredtoyou;

• thelawyerchargescompetitivelegalfeeswhichmeansthelawyermaydomoreworkforyouandyouwillgetthemostfromyourpolicy.

• IfyoudochoosetouseanotherlawyeritisimportantthatyouareawarethatbothweandArc cannotensurethelawyeractingforyouwillbesuitablycompetenttohandleyourcaseorthequalityofservicethatlawyermayprovidetoyou.AlawyernotapprovedbyArcmayalsorequireyoutopaythemapercentageofyourcompensation.

WillcallingthehelplineaffectmypremiumanddoIneedtopayanyfees?

No,callingthehelplineand/ormakingaclaimwillnotaffectyourlevelofnoclaimsdiscountoryour premiumonyourHomeInsurancepolicy.Thereisnopolicyexcessorotherfeestopayforusingthisservice.

Whoisthepolicyunderwrittenby?

LegalServicesisunderwrittenbyAvivaInsuranceLimited.

Somewordsareinboldinthissection,whatdoesitmean?

Whereverthefollowingwordsorphrasesappearinboldinthissectiontheywillhavethefollowingmeanings(forthissectiononly).

Costsandexpenses

Alllegalcostschargedbythelawyerandauthorisedbyusorthatyouareorderedtopaybyacourt/otherbody.

Lawyer

Asuitablyexperiencedlegalprofessional.

We/our/us

AvivaInsuranceLimited

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Assessing your case, including ‘Prospects of success’ and ‘Proportionality’1.Thelawyer’sassessment

Ourlawyerwillassesstheevidenceandifitismorelikelythannotthatyou will:

a. recoverdamagesorobtainanyotherlegalremedywhichwehaveagreedto(e.g.beingpaidcompensationorstoppinganeighbourfrommakingnoise);or

b. besuccessfulindefendingaclaimmadeagainstyou;or

c. makeasuccessfulappealordefenceofanappeal

thenyourcasewillbeconsideredbythelawyer tohavereasonable‘prospectsofsuccess’(thismeanshowlikelyyou aretowinyourcase).

Inaddition,the lawyerwillalsoconsiderproportionality(thismeanstheamountofdamagesbeingpursuedcomparedwiththeestimatedcosts topursueyourcase),and:

a. hasalegalobligationnottowastecourttime,andtokeepthecoststoalevelthatthecourtwouldconsiderreasonable;

b. willestimatethelikelycosts ofyourcaseandconsideriftheywouldbeacceptabletoareasonablepersonwhowaspayingthosecoststhemselves;

c. willagreewithyou,wherepossible,acourseofactionwherethecosts and expenseswouldbeconsideredreasonablebythecourtandproportionateinrelationtothelevelofdamagesorremedybeingpursuedwhencomparedwiththeestimatedcoststopursueyourcase.

If,inthelawyer’sopinion:

a. yourclaimislikelytobeconsideredawasteofcourttime,or

b. theprospectsofsuccessarenolongerinyour favour;or

c. your claimhasreachedapointwhereincurringfurthercosts and expenseswouldnotbereasonable;

thenwewillnotpayanyfurthercosts and expensestowardsit.Ifthishappensthelawyerwilltellyouwhatoptionswouldbeavailableshouldyouwishtocontinue.Pleasenotethatprospectsofsuccessmaychangethroughoutyourclaimasevidenceisobtainedandlegalargumentsdevelop.

2.WhatcanIdoifIdonotagreewiththelawyer’sopinion?

Wehaveconfidenceintheopinionofourappointedlawyerandrelyonthiswhendecidingifweshouldcontinuetopaythecosts and expensestowardsyourclaim.

Ifyoudonotagreewithourlawyer’sopinionandyoufindadifferentlawyer,atyourowncost,oryou alreadyhavealawyer whosupportsyourview,thenwewillbehappytoofferareviewofthecase.Theopinionofyour chosen lawyermustbebasedonthesameinformationregardingtheclaimthatyouprovidedtous.

Thelawyerconductingthereviewwillbechosenjointlybyyouandus.Ifwecannotagreeonwhothislawyer shouldbethenwewillaskarelevantlawsocietytoappointone.Thereviewinglawyerwillassessthecaseandwewillabidebytheirdecision.Wewillpayforthecostofthisreviewandshouldtheydecideinyourfavourwewillalsopayanycostthatyou incurredforyourchosenlawyer’ssecondopinion.

Thisreviewandanyresultingdecisionwillnotaffectyourrightstomakeacomplaintasdetailedinthe‘Whattodoifyouareunhappy'sectionofthe‘importantInformation’document.

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Legal Services Cover Exclusions and ConditionsInadditiontothespecificLegalServicesexclusionsandconditionsshownbelowtheGeneralExclusionsandGeneralConditionsapplytothiscover(unlessotherwisestated).

1.Whatwewillnotpayfor:

a. anyclaimwe reasonablybelieveyouknewwaslikelytohappenwhenyoutookoutthisinsurance,e.g.whereyouwerealreadyinadisciplinaryprocessatworkbeforetakingoutthispolicy,whichthenledtoyoumakingaclaim;

b. claimswhereyou donotkeeptotheterms,exclusionsandconditionsofthiscover;

c. costs and expenseswhichareincurredpriortoourwrittenagreementandauthorisation;

d. claimswheretheinitialdisputeorseriesofincidentsleadingtoaclaimonthispolicyhappenedbeforethiscoverstartsorthatbeginafteritcomestoanendasshownonyour schedule.Youcanonlymakeoneclaimforalldisputesarisingfromthesameincident;

e. anylegalactionyoutakewhichwehavenotagreedtoorwhereyoudoanythingtohinderusorthelawyer;

f. anyfines,penalties,compensationordamageswhichyouareorderedtopaybyacourtorotherauthority;

g. anyissueleadingtoaclaimwhichwasdeliberatelyorintentionallycausedbyyou;

h. adisputebetweenyouandsomeonerelatedtoyouorwhoisinsuredunderthispolicy;

i. anyclaimrelatingtoorarisingasaresultofdivorce,separation,matrimonialissuesorcohabitation,jointpropertyownership,jointfinancialobligationsormaintenance,financialorcustodyarrangementsinvolvingchildren;

j. anyclaiminrespectoflibelandslander;

k. anapplicationforjudicialreview;

l. disputesrelatingtoclassactionse.g.ifyouarepartofagroupofpeoplewhoareallmakingthesameclaim;

m.disputesbetweenyouandusorArcwherethedisputerelatestothiscover;

n. anyclaimrelatingtocompulsorypurchaseortomajorworkswheretheeffectisnotspecifictoyour homebutismorewidespreade.g.workonroads,railwaysandairports;

o. wheretheincidentleadingtoanyclaimoccurs,oranyproceedingsareconducted,outsideoftheUnitedKingdomortheChannelIslandsortheIsleofMan;

p. anyclaimsmadebyanyoneotherthanyouoryourfamilyattemptingtoenforcetheirrightsunderthiscover;

q. anytestcaseunless:

(i) thetestcaserelatestotheinterpretationofanewlyorrecentlyenactedlaw;and

(ii) our lawyeragreesthatthecaseismorelikelythannottobesuccessful.

Whenacourtconsideradisputethathasneverbeendecidedbeforethisisoftenreferredtoasa‘testcase’.Thecourt'sdecisionwillthenbeusedtodecidefuturecasesonsimilargroundstoensurethelegalsystemisconsistentandfair.

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2.Claims

a. Freedomtochooseyourlawyer

(i) Ifcourtproceedingsareissued,thereisaconflictofinterest,orifweconsidertheclaimtobecomplexandrequiringaspecialistlawyer,youarefreetochooseyourownlawyerbysendingustheirnameandaddress.

(ii) Wewillappointthatlawyersubjecttotheiracceptanceofourstandardtermsofappointmentwhichareavailableonrequest.

(iii) Subjecttothetermsandconditionsofthispolicywewillpaytheircosts and expensesuptothemaximumshownonyour schedule.

b. Our rightsandyour obligations

(i) Wewillhavedirectaccesstothelawyerrepresentingyouwhowill,onrequest,provideuswithanyinformationoropinioninrespectofyourclaim.

(ii) Youmustco‑operatefullywithusandtheappointedlawyerandmustkeepusup‑to‑datewiththeprogressoftheclaim.

(iii) Atourrequestyoumustgivethelawyeranyinstructionsthatwerequire.

(iv) Youmusttellusimmediatelyifanyoneofferstosettleaclaimormakesapaymentintocourt.

(v) Ifyoudonotacceptapaymentintocourtoranyofferwherethelawyeradvisesthatthisisareasonablesettlement,wemayrefusetopayanyfurthercosts and expenses.

(vi) Noagreementtosettleonthebasisofbothsidespayingtheirowncostsistobemadewithoutourpriorapproval.

c. Ourrightstostopyourclaim

Thecoverweprovidewillendimmediatelyifyou:

(i) settleaclaimorwithdrawaclaimwithoutourprioragreement,or

(ii) donotgiveclearinstructionswhenrequestedbythelawyer, or

(iii) dismissalawyerwithoutour priorconsent.Wewillnotwithholdconsentwithoutgoodreason.

If,intheeventoftheabove,weincurcosts and expensesthatwouldnototherwisehavebeenincurred,wereservetherighttorecoverthesefromyou.

3.Recoveryofcosts

Ifyouaresuccessfulwithyourclaim,youmustinstructthelawyertotakeeveryavailablesteptorecoverforus allcosts and expensesrelatingtoyourcase.

4.Disputesaboutthewayyourclaimhasbeenhandled

IfyouarenothappywiththewayyourclaimhasbeenhandledunderthissectionthenyoucantakethestepsoutlinedintheComplaintssectionofthispolicy.

Ifyourdisputerelatestothelegalopinionofalawyerthatweappointthenwewouldalsoliketobringyourattentiontothe‘WhatcanIdoifIdonotagreewiththelawyer’sopinion?’ sectiononpage39ofthisdocument.

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Gadget coverThiscoveronlyapplieswhenshownonyour schedule.

Your scheduleshowsanyadditionalcoverlimitsnotshownbelow

Thisoptioninsuresyour gadgets whetherathomeoranywhereelseintheworld.

GadgetCoverDefinitions

Whereverthefollowingwordsorphrasesappearinboldinthissectiontheywillhavethefollowingmeanings.

mobilebreakdown

Failureofamobilephonetooperateduetoaninternalelectricalormechanicalfaulthappeningafterthedatethemanufacturer’swarrantyexpires.

unauthoriseduse

Calls,datadownloads,emails,internetusage,MMSmessagesandSMSmessagesmadeorsentfollowingtheftorlossofyour gadget.

Whatiscovered?

• lossofordamagetoyourgadgets;

• mobile breakdownformobilephones;

happeningathome,oranywhereelseintheworld.

Whatisnotcovered?

• Repairorreplacementduetobreakdownsorfaults(exceptformobile breakdown).

• Anythingcoveredunderthemanufacturer’swarrantyorwhichresultsfromamanufacturer’sdefectorrecall.

• Cosmeticdamagesuchasdents,orotherdamagethatdoesnotaffecthowthegadgetworks.

• AnyclaimforamobilephonewherewecannotverifytheIMEInumber,ortheIMEInumberbelongstoaphonethathaspreviouslybeenrecordedaslostorstolen.

• Theftfromanunattendedvehicleunless:

− thegadgethasbeenplacedoutofviewinanenclosedstoragecompartment;and

− thevehicleandanyexternalluggagecompartmentshavebeensecurelylocked,andbrokenintobyusingforceandviolence.

• Itemsusedinconnectionwithanybusiness,trade,employmentorforprofessionalpurposes

• Lossordamagecausedby:

− wearandtear,light,weatherconditions,moths,vermin,insects,fungus,damp,rust,wetordryrot,oranythingthathappensgradually

− non‑hardwareproblems,e.g.softwareproblems,datadownloadsandmalwaresuchasviruses,worms,spyware,adwareortrojans;

• Lossof(orthecostofreinstating)storedinformation,includinganydata,downloads,videos,musicandapplications.

• Anyclaimifthegadget hasbeenmodifiedwithtechnicalimprovementsorrepairedbysomeoneexceptthemanufactureroritsauthorisedrepairagents.Ifthegadgethasbeenmodifiedcosmeticallythegadgetwillbecoveredbutnotthecosmeticenhancements

• Anyfinancialloss(exceptfornetworkaccesscostsasdescribedintheUnauthorisedusesection)resultingfromyour gadgetbeingusedwithoutyourconsenttoaccessyourbankaccount,mobilewalletorsimilar,and/ormakepurchases.

• Anyincidentcausedintentionallybyyou oranyonewhohaspermissiontouseyourgadget.

• Anylossordamagecoveredbyanotherpolicy.


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Unauthoriseduse

Ifweacceptyourclaimforlossortheftofyourgadget,we willcoverthecosts(includingtaxesandcharges)ofitsunauthorised use whichyoucannotrecoverfromyournetworkprovideruptoamaximumintotalof£10,000

SeetheclaimsconditionsintheGeneralConditionswhichexplainswhatevidenceyou needtoprovidetoclaimunderthissection.

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Bike CoverThiscoveronlyapplieswhenshownonyourschedule.

Yourscheduleshowsthecoverlimitswhichapply

1.Yourpedalcycle

Whatiscovered?

Lossofordamagetoyourpedalcycle(s)happeningathome,oranywhereelseintheworld.Coverincludesaccessories.

Withunspecifiedcyclescoveryouchoosealimittocoveryourmostexpensivecycleandeachoneofyourcycles(includingelectricallyassistedpedalcycles)willbecovereduptothislimit

Whatisnotcovered?

• Faultsandbreakdowns.

• Theftunlessthecycleis:

− inyourimmediatecustodyandcontrol;or

− securelylockedtoanobjectthatcannotbemoved;or

− inalockedbuilding.

• Tradeorbusinessuse.

• Lossordamagecausedbywearandtear,light,weatherconditions,damp,rust,wetordryrotoranythingthathappensgradually.



2.Hireofreplacementpedalcycle

Whatiscovered?

Ifyou areunabletouseyour cyclebecauseoflossordamagethat’scoveredunderYourpedalcycle,we willpayforyou tohireareplacementcyclefromarecognisedcycledealer,fromthe

dateweacceptyouhaveavalidbikecoverclaimtothedatewesettleyourclaim(byrepairingorreplacingyour cycleormakingapaymenttoyou)butonlyifyou:

• letusknowyouwanttohireareplacementcyclebeforeyouarrangeit

• giveuswrittenevidenceofyourexpenditure.

3.Publicliability


Whatiscovered?

Yourlegalliabilitytopaydamagesandclaimants’costsandexpensesfor:



arisingfromyouruseorownershipofapedalcyclewhichhappensduringtheperiodofinsuranceintheBritish Isles(oranothercountrywhichyouaretemporarilyvisiting).

We willpayuptothelimitshownonyour scheduleplusrelatedcostsandexpensesthatwehaveagreedtoinwriting.

Whatisnotcovered?

Liabilityinconnectionwith:

• aclaimwhichdoesnotdirectlyresultfromyouruseorownershipofapedalcycle;

• deliberateormaliciousacts

• thepassingonofaninfectiousdiseaseorvirus;

• anytrade,businessorprofession;

• anyelectricallyassistedpedalcyclewhile:

− anywhereoutsideofEngland,WalesandScotland;

− withinEngland,WalesandScotlandwherethereisalegalrequirementtopayVehicleExciseDutyforroaduse(seewww.gov.uk/electric‑bike‑rules);


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• anyagreementunless youwouldstillhavebeenlegallyliablewithoutthatagreement;

• lossofordamagetopropertybelongingto youorinyourcareorcontrol;

• bodilyinjuryorillnesstoyou;

• anythingshownintheGeneralExclusions.

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Sports Equipment CoverThiscoveronlyapplieswhenshownonyour schedule.

Your schedulewillshowthecoverlimitswhichapply.

Pleasenotesports equipmentdoesn’tincludegadgetsorcyclesbecausespecificcoversareavailableforthem.

Whatiscovered?

Lossofordamagetoyour sports equipment happeningathome,oranywhereelseintheworld.

Whatisnotcovered?

• Breakdownorfaults.

• Anyclaimfortheftfromanunattendedvehicleunless:

− thesports equipment hasbeenplacedoutofviewinanenclosedstoragecompartment;and


• Lossordamagecausedbywearandtear,light,weatherconditions,moths,vermin,insects,fungus,damp,rust,wetrotordryrot,oranythingthathappensgradually;

• Anylossordamagecoveredbyanotherpolicy;

• Anythingnotdefinedassports equipment(seetheDefinitions section);


Personal Items CoverThiscoveronlyapplieswhenshownonyour schedule.

Yourschedulewillshowthepropertywhichiscoveredandthelimitswhichapply.

Whatiscovered?

Lossofordamagetothefollowinghappeningathome,oranywhereelseintheworld:

• personal Items (suchasjewellery,watches,clothes,bags,musicalinstrumentsandbooks);

• personal money (butonlyifshownonyour schedule).

Whatisnotcovered?

• Breakdownsorfaults.

• Anythingnotdefinedasapersonal item(seetheDefinitionssection).

• Anyclaimfortheftfromanunattendedvehicleunless:

− theitem(s) hasbeenplacedoutofviewinanenclosedstoragecompartment;and


• Lossordamagecausedbywearandtear,light,weatherconditions,moths,vermin,insects,fungus,damp,rust,wetrotordryrot,oranythingthathappensgradually.


• Theft,attemptedtheftormaliciousdamagecausedbypayingguests,tenantsoryou.

• Lossofpersonal moneycausedbymistakes.


CHHHG14631 01.2020

Thispolicyandotherrelateddocumentsarealsoavailableinlargeprint,audioandBraille.Ifyouneedtheminanyoftheseformats,pleasecontactCustomerServiceson08001584075.

Callsmayberecordedand/ormonitored.

BarclaysBankUKPLCisauthorisedbythePrudentialRegulationAuthorityandregulatedbytheFinancialConductAuthorityandthePrudentialRegulationAuthority(FinancialServicesRegisterNo.759676).RegisteredinEngland,RegisteredNo.9740322.RegisteredOffice1ChurchillPlace,LondonE145HP.

“TheWoolwich”and“Woolwich”aretradingnamesofBarclaysBankUKPLC.

BarclaysInsuranceServicesCompanyLimitedisauthorisedandregulatedbytheFinancialConductAuthority(FinancialServicesRegisterNo.312078).RegisteredinEngland,RegisteredNo.973765.Registeredoffice:1ChurchillPlace,LondonE145HP.

TheinsurerofBarclayshomeinsuranceisGreshamInsuranceCompanyLimited.AuthorisedbythePrudentialRegulationAuthorityandregulatedbytheFinancialConductAuthorityandthePrudentialRegulationAuthority.RegisteredOffice:8SurreyStreet,Norwich,Norfolk,NR13NG.RegisteredinEngland,RegisteredNo.110410.

TheinsurerofHomeEmergencyCoverandLegalServicesCoverisAvivaInsuranceLimited.AuthorisedbythePrudentialRegulationAuthorityandregulatedbytheFinancialConductAuthorityandthePrudentialRegulationAuthority.RegisteredOffice:Pitheavlis,PerthPH20NH.RegisteredinScotlandNo.2116.

TheclaimsadministratorforLegalServicesisArcLegalAssistance.RegisteredOffice:TheGatehouseLodgeParkLodgeLaneColchesterCO45NE.RegisteredinEngland,RegisteredNo4672894.

TheclaimsadministratorforHomeEmergencyCoverisHomeServeMembershipLimited.RegisteredOffice:CableDrive,WalsallWS27BN.RegisteredinEngland,RegisteredNo.2770612.

home insurance · 17 hours ago · barclays insurance services company limited is authorised and...

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