home insurance - barclays
TRANSCRIPT
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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)?
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.
What your policy is designed forYourpolicycoversunforeseeneventslikefireandtheft.Itdoesn’tcoverwearandtearordamagethathappensgraduallyovertime.Nordoesitcoverpetdamagesuchaschewingandfouling.
Be prepared should you need to claimWerecommendyoukeepreceipts,photographs,valuationsandguaranteecardstohelpsupportyourclaim.
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Findingyourwayaroundyourpolicy
7 General conditions
(including your cancellation rights)
11 General exclusions
12 Buildings and Buildings Landlord
14 Buildings/Buildings Landlord options
15 Contents and Starter Contents
18 Contents/Starter Contents options
19 Home Emergency
26 Legal Services
33 Gadget
34 Bike
35 Sports Equipment
35 Personal Items
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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 – 8pm Mon-Fri 8am – 6pm Sat
10am – 4pm Sun and Bank Holidays
Telephone call charges and recordingForyourandourprotectionandfortrainingpurposeswemaymonitorandrecordtelephonecalls.
Callsto0800numbersarefreeifmadefromaUKlandlineormobile.
ComplaintsWetakeallcomplaintswereceiveseriouslyandwewillrecordandanalyseyourcommentstomakesurewecontinuallyimprovetheserviceweoffer.
Ifyouhaveacomplaintpleaseseethecontactsabove.
Wewillacknowledgeyourcomplaintpromptly.Ifwecan’tfullyinvestigateandrespondtoyourcomplaintwithin10workingdays,wewillletyouknowourexpectedresponsedate.
Ifyouareunhappywiththeoutcomeofyourcomplaintyoumayreferthematterto:FinancialOmbudsmanService,ExchangeTower,LondonE149SR.Telephone08000234567(freefromUKlandlinesormobiles)or03001239123.
Website:www.financial‑ombudsman.org.uk
Whilstweareboundbythedecisionofthefinancialombudsmanserviceyouarenot.Followingthecomplaintsproceduredoesnotaffectyourrighttotakelegalaction.
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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)heldorused
forbusinessorprofessionalpurposes,(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.
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.
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Personal itemsdoesn’tinclude:• gadgets,sports equipmentorbikes(becausewe
offerspecificcoversforthem);• 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.
Sports equipmentdoesn’tinclude• gadgetsandbikes(thisisbecausespecific
coversareavailableforthem);• itemsusedforbusinessorprofessionalpurposes;• motorised vehicles,aircraft,boats,boardsand
craftdesignedtobeusedonorinwater(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.
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.
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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.
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.
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• Youwillneedtoremoveanysecurityprotection(egActivationLockoniPhones)beforewecanprocessyourclaimfordamageormobile breakdown.
• Ifyouareclaimingforunauthorised useofyourgadgetyouwillneedtoprovideevidenceofyourloss(forexampleitemisedbillsorevidenceofphonecreditorrecenttopups).
Whatwewillpay
Cover limits
• Wewillpayuptothelimit(s)shownonyourschedule(orinthisbooklet)foranyoneclaim.
• Wherea‘singleitemlimit’applies,thisisthemostwewillpayforanyoneitem,setorcollection(unlessspecifiedindividuallyonyourschedule,inwhichcasewewillpayuptotheitemlimit).
• Thelimitsshownonyourschedulewon’tbereducedifwepayaclaim.However,ifyouclaimforloss/theftofaspecifieditemandyoudon’treplacetheitemyoushouldarrangeforittoberemovedfromyourpolicy,soyoudon’tpayforcoveryoudon’tneed.
Extra amounts we’ll pay
Ifweacceptaclaimforlossordamagetobuildingswewillalsopayfor:
• architects’andsurveyors’feestorepairthebuildings.Thesefeesmustnotbemorethanthoserecommendedbytherelevantprofessionalinstitutesandmustnotincludeanyamounttohelpyouprepareyourclaim;
• thecostofdemolishingorsupportingthedamagedpartsofthebuildingswhichwehaveagreedtopay;
• thecostofmeetingbuildingregulationsormunicipalorlocalauthoritybye‑laws,unlessyouhadalreadybeentoldabouttherequirementbeforethebuildingsweredamaged.
Setsandpairs
Ifwehaveacceptedaclaimforlossordamagetosomethingwhichispartofamatchinggrouporsetofitems,andwecan’tsourceamatchingreplacement,we willpaytoreplacetheundamagedpart(s)ofthematchinggroup,asfollows:
• forBuildings,BuildingsLandlordsand/orContentscoverwewillpaytoreplaceundamageditemswhere
theyarewithinthesameroomoropenplanareaasthedamageditemsorpartsandthedamageditemsare:
–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.
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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.
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.
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,
residentfamilyand
lodgers
✔
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).
Lossofrentandthecostofalternativeaccommodation
Ifwehaveacceptedaclaimfordamagetoyour homeandthedamagemeansyour homecan’tbelivedin,wewillpay:
a. reasonableadditionalaccommodationexpensesforyouandyourdomesticanimals;
b. rentpayabletoyou,or(ifnototherwiseinsured)reasonableadditionalaccommodationexpensesforyourtenant(s)oryourlodgersandtheirdomesticanimals;
c. groundrentyoustillhavetopay;
untilthehomeisreadytolivein.
‘Reasonableadditionalaccommodationexpenses’abovemeanswewillpayforalternativeaccommodationtakingallofthecircumstancesofyourclaimintoaccount,includingyourneeds,thelengthoftimeforwhichaccommodationisneededandalternative(andcomparablecostsof)accommodationavailablelocally.Wearehappytodiscussandcanofferhelpinfindingaccommodation.
Lossortheftofkeys
Ifkeystoexternaldoorsofthehomeoralarmsystemsorsafesfittedinthehomeareaccidentallylostorstolen,wewillpaytoreplacethelocksorlockmechanisms.
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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.
• 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,oruptosevenyearsafterwards,providedtheyarenotcoveredbyanyotherinsurance.
Wewillpayuptothelimitshownonyourscheduleforanyoneincidentand,inaddition,willpayallyourcostsandexpensesthatwehavealreadyagreedtoinwriting.
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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.
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
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.
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8. Fallingtelevisionorreceivingaerials(includingsatellitedishes),theirfittingsandmasts.
9. Subsidenceorheaveofthelandonwhichthe buildingsstand,orlandslip.
10.Fallingtreesorbranches.
Lossortheftofkeys
Ifkeystoexternaldoorsofthehomeoralarmsystemsorsafesfittedinthe homeareaccidentallylostorstolen,wewillpaytoreplacethelocksorlockmechanisms.
Foodinfreezers
Wewillcoverlossofordamagetofoodstoredinafreezerinyourhome, duetoachangeintemperatureorcontaminationbyfreezingagents,whichisnotcausedbyadeliberateact,orstrikesbyyourpowersupplycompany(oritsemployees).
Domesticheatingfuelandmeteredwater
We willcovertheftoraccidentalleakageofdomesticheatingfuelormeteredwateratyourhome.
Lossofrentandthecostofalternativeaccommodation
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
• 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
Noexcessappliestothissection.
Wewillcoverdamagetocontentsfollowingnecessaryaccesstothehometodealwithamedicalemergencyorpreventdamagetothehome.
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Whatisnotcovered?
• Wearandtear.
Thismeansdamagewhichhappensnaturallyandpredictablyasaresultofnormaluseorageing,suchaslongtermexposureofsoftfurnishingstosmoke.
• Thecostofrepairingorreplacingitemswhichhavebrokendownordevelopedafault(forexampleafreezerorlaptopthathasstoppedworkingorisfaulty).
• Anythingnotdefinedascontentsinthe Definitions section.
• Lossordamagecausedbythefollowingwhenyour homehasbeenleftunoccupiedformorethantheperiodshownonyour schedule:
− maliciouspeopleorvandals;
− waterescapingfromwatertanks,pipes,equipmentorfixedheatingsystems;
− heatingfuelleakingfromafixedheatingsystem;
− theftorattemptedtheft;
• Lossordamagecausedbyriverbankorcoastalerosion;
• Theft:
− ofpersonal moneyunlesssomeonehasbrokenintooroutofthehome by usingforceandviolenceorhasgotintothe home bydeception;
− ofcycles(includingEbikes)fromthegardenunlesssecurelylockedtoanobjectthatcannotbemoved;
− ifyouliveinaself‑containedflatandthetheftisfromanypartofthebuildingthatotherpeoplehaveaccessto;
− ifyouliveinanon‑self‑containedflat,unlesssomeonehasbrokenintooroutofthehomebyusingforceandviolenceorhasgotintothehomebydeception;
− bypayingguests,tenantsoryou.
• Propertyinsuredbyanyotherpolicy.
• Subsidence,heaveandlandslipdamagetoconservatoriesunderTenant’sImprovementscover.
• Yourliabilityasatenantresultingfromalterations,renovations,orrepairstothebuildings.
• AnythingshownintheGeneralExclusions.
Occupier’spersonalandemployer’sliability.
Noexcessappliestothissection.
Whatiscovered?
Yourlegalliabilitytopaydamagesandclaimants’costsandexpensesfor:
• accidentalbodilyinjuryorillness;
• accidentallossofordamagetoproperty;
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:
• watercraftthatareonlypropelledbyoarsorpaddles;
• toysormodelsthatareremotelycontrolledbyapedestrian;
d. deliberateormaliciousacts;
e. thepassingonofaninfectiousdiseaseorvirus;
f. anytrade,businessorprofession;
g. you (oranyoneonyourbehalf)owning,possessingorusinganymotorised vehicle;
h. anyelectricallyassistedpedalcyclewhile:
• anywhereoutsideofEngland,WalesandScotland;
• withinEngland,WalesandScotlandwherethereisalegalrequirementtopayVehicleExciseDutyforroaduse(seewww.gov.uk/electric‑bike‑rules);
i. dangerousdogsasdefinedintheDangerousDogsAct1991oranylaterlegislation;
j. anyagreementunlessyouwouldstillhavebeenlegallyliablewithoutthatagreement;
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k. lossofordamagetopropertybelongingto you orinyourcareorcontrol;
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.
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‑dayrestrictionappliesonlyatthestartofyour 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.
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:
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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.
Whatisnotcovered?
a. routinemaintenance,cleaningandservicing;
b. LPG(liquidpetroleumgas)boilers;
c. dual‑purposeboilers(egAgasandRayburnsusedforcookingandcentralheating);
d. warm‑airandsolar‑heatingsystems;
e. sludge,scaleorrustintheprimaryheatingsystemordamagecausedbyaharmfulchemicalinthewater;
f. repairorreplacementofconvectorheaters,watertanksandhotwatercylinders;
g. separateheatersprovidinghotwater;
h. adjustmentoftimingandtemperaturecontrols;
i. resettingofcircuitbreakersthatyoucanreset,ifresettingfallsoutsidethepermanentrepairworkwedo;
j. underfloorheating;
k. otherappliancessuchascookersandfires;
l. radiatorsorradiatorvalves;or
m.boilerswhicharestillworking,butyoususpectmaybeabouttobreakdown(egwhereanoisehasdeveloped).
UsefulInformationaboutthecoverforyourmainheatingsystem
MainHeatingsystemsthatarebeyondeconomicalrepair
Onassessmentofyourmainheatingsystem,ourengineermaydeclareittobe‘beyondeconomicalrepair’whichmeans:
• thecostofparts(includingVAT)torepairthemainheatingsystemisgreaterthan85%ofthemanufacturer’scurrentretailpriceofareplacementorasimilarmodel;or
• weareunabletoobtaintherequiredmanufacturer’ssparepartsfromoursupplierstocompletetherepairwithin28days.
TemporaryHeating
Ifapartneedstobeorderedanditwilltakeover72hourstoarrivefromtheengineer’s firstvisit,we willdelivertwoelectricalheaterstoyour property.Theheaterswillbeyourstokeep.
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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.
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.
Whatisnotcovered(alsoseetheHomeEmergencyCoverGeneralExclusions)
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).
• Repairorreplacementofthepermanentwiringtotheelectricalheater(s).
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Whatisnotcovered(alsoseetheHomeEmergencyCoverGeneralExclusions)
a. electricwaterheaters;
b. anyportableandfixedheatingnotpermanentlywiredin,energymanagementsystems,warmairheatingsystems,ElectrotechandSmartheatsystems,wetsystemsandunderfloorheating;
c. heatedtowelrails,infraredheaters,electricfires,skirtingorkickspacefloorheaters;
d. airconditioningunits;
e. immersionheaters;
f. cosmeticdamagetothecasingofdomesticelectricalheatersortimerswitches;or
g. failureorbreakdownoftimersfordomesticelectricalheaterswherethereisamanualoverridefacility.
Internalplumbinganddrainage
Whatiscovered?
Anemergency relatingtoyour internalplumbingordrainageorboth,whichresultsintotallossofwatertoyour property orlossofwatertoyour kitchentaps,blockeddrainage,leaksorlossoftoiletfacilitiesinyour property.Iftheproperty isaflatorapartment,coverislimitedtotheinsideoftheflatorapartmentthatyou solelyown.
Examplesofwhatwewillcover:
• Blockedtoilet.
• Leakingpipe.
• Leakingsoilventpipe.
• Blockedwastepipe.
• Leakingtoilet.
• Leakinginternalstop‑tap.
• Emergenciesthatrequirethedrainingdownandisolationofaleakingcold‑watertankorhotwatercylinder.
• Acompletedrainblockagethatresultsinallsinksbeingblocked.
Whatisnotcovered(alsoseetheHomeEmergencyCoverGeneralExclusions)
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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Whatisnotcovered(alsoseetheHomeEmergencyCoverGeneralExclusions)
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.
Whatisnotcovered(alsoseetheHomeEmergencyCoverGeneralExclusions)
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.
• Permanentdamagetothedomesticelectricalwiringcausedbyapowercut.
Whatisnotcovered(alsoseetheHomeEmergencyCoverGeneralExclusions)
a. apowercutthataffectsmorethanjustyourproperty;
b. non‑permanentwiringorelectrics,e.g.kettles,fairylightsandotherapplianceswithplugs;
c. repairsorreplacementsofwallsockets,switchesandlightbulbsockets;
d. routineelectricalmaintenancetaskse.g.replacinglightbulbsandadjustingthetimer;
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).
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Examplesofwhatwewillcover:
• Useoftarpaulintoprotectthepropertyifroofingtilesareblownoffduringbadweather.
• Boardingupofbrokenglazingtomakethepropertysecure.
• Repairofbrokenlocksforexternalwindowsanddoorsifthe propertyisinsecure.
• Ifyourkeysarelost/stolenandthereisnoothersetavailabletoaccessthemainhouseonyourproperty,wewillprovideanengineertoassessthemostefficientwaytogainaccess.Thisisusuallybyreplacingthelocksandkeys;however,insomecircumstancesitmaybemorepracticaltofindanalternativesolutiontosuitbothparties.
• Makingthepropertysecureafterlossofexternal‑doorkeysthatareyourresponsibility.
• Repairofgaragedoortomakethepropertysecure.
Whatisnotcovered(alsoseetheHomeEmergencyCoverGeneralExclusions)
Wewillnotprovidecoverforanyroofingemergencyifthemainhomeonthepropertyisaflatorapartment.
Wewillnotcoverthefollowing:
a. lossofkeysforanybuildingonthepropertythatisnotthemainhouse,includingdetachedoutbuildings,garages,greenhouses,shedsorcommunalorsharedareas;
b. lossofkeystothemainhouseonthepropertyifyouhaveaccesstoanothersetofkeys;
c. replacementofanattachedgaragedoor,orrepairorreplacementoftheelectricalunitpoweringagaragedoor;
d. doorsandwindowsthatdonotsecuretheproperty,suchasinternalporchdoors,internaldoorsandinternalconservatorydoors;or
e. claimsforkeys,locksandglazinginsharedcommunalareasifyourpropertyisaflatorapartment.
Pestinfestation
Whatiscovered?
Removalofaninfestationofthefollowing:
• brownorblackratsorhouseorfieldmiceinthemainhouse,flatorapartmentonyourproperty;and
• wasps’orhornets’nestsanywhereonyourproperty.
Whatisnotcovered(alsoseetheHomeEmergencyCoverGeneralExclusions)
Ifyour propertyisaflatorapartment,coverislimitedtotheinsideoftheflatorapartmentthatyouown.
Wewillnotcoverthefollowing:
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.
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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;
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.
TheissueswemaybeabletohelpwitharedescribedintheInsuredEventssectiononpages27and28.
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’,andweexplainthisfurtheronpage30.Thelawyerwhoisactingforyoudecidesthis.
Ifthelawyerbelievesthatyouaremorelikelythannottowinyourcasethentheywillpursueitforyouandwewillpaytheircosts and expensesuptotheamountshownonyourschedule.
6 Ifyouhavesufficientchancesofwinningyourcase,thelawyerwillprogressit.
The lawyerwilltakethenecessarystepstotry,inlinewiththetermsandconditionsofthispolicy,toresolveyour casewiththeotherside.
7 Thecasemayprogresstocourt.
Ifanagreementcannotbemadethenthecasemayprogresstoacourt,tribunalorotherbodywhowilldecidetheoutcome.Youmayhavetoattendandgiveevidence.
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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.
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.
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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).
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.
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.
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(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?’ sectiononpage30ofthisdocument.
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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.
• AnythingshownintheGeneralExclusions.
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.
• Anylossordamagecoveredbyanotherpolicy.
• AnythingshownintheGeneralExclusions.
2.Hireofreplacementpedalcycle
Whatiscovered?
Ifyou areunabletouseyour cyclebecauseoflossordamagethat’scoveredunderYourpedalcycle,we willpayforyou tohireareplacementcyclefromarecognisedcycledealer,fromthedateweacceptyouhaveavalidbikecoverclaimtothedatewesettleyourclaim(byrepairingorreplacingyour cycleormakingapaymenttoyou)butonlyifyou:
• letusknowyouwanttohireareplacementcyclebeforeyouarrangeit
• giveuswrittenevidenceofyourexpenditure.
3.Publicliability
Noexcessappliestothissection.
Whatiscovered?
Yourlegalliabilitytopaydamagesandclaimants’costsandexpensesfor:
• accidentalbodilyinjuryorillness;
• accidentallossofordamagetoproperty;
arisingfromyouruseorownershipofapedalcyclewhichhappensduringtheperiodofinsuranceintheBritish Isles(oranothercountrywhichyouaretemporarilyvisiting).
We willpayuptothelimitshownonyour scheduleplusrelatedcostsandexpensesthatwehaveagreedtoinwriting.
Whatisnotcovered?
Liabilityinconnectionwith:
• aclaimwhichdoesnotdirectlyresultfromyouruseorownershipofapedalcycle;
• deliberateormaliciousacts
• thepassingonofaninfectiousdiseaseorvirus;
• anytrade,businessorprofession;
• anyelectricallyassistedpedalcyclewhile:
− anywhereoutsideofEngland,WalesandScotland;
− withinEngland,WalesandScotlandwherethereisalegalrequirementtopayVehicleExciseDutyforroaduse(seewww.gov.uk/electric‑bike‑rules);
• 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
− thevehicleandanyexternalluggagecompartmentshavebeensecurelylocked,andbrokenintobyusingforceandviolence.
• Lossordamagecausedbywearandtear,light,weatherconditions,moths,vermin,insects,fungus,damp,rust,wetrotordryrot,oranythingthathappensgradually;
• Anylossordamagecoveredbyanotherpolicy;
• Anythingnotdefinedassports equipment(seetheDefinitions section);
• AnythingshownintheGeneralExclusions.
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
− thevehicleandanyexternalluggagecompartmentshavebeensecurelylocked,andbrokenintobyusingforceandviolence.
• Lossordamagecausedbywearandtear,light,weatherconditions,moths,vermin,insects,fungus,damp,rust,wetrotordryrot,oranythingthathappensgradually.
• Anylossordamagecoveredbyanotherpolicy.
• Theft,attemptedtheftormaliciousdamagecausedbypayingguests,tenantsoryou.
• Lossofpersonal moneycausedbymistakes.
• AnythingshownintheGeneralExclusions.
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CHHHG14630 02.2021
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.
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