POLICYDOCUMENT 3

Introduction

Thank you for choosing Ecclesiastical

Pleasereadthisinsurancedocumentverycarefully,togetherwithanyclausesandtheschedule,asthisisacontractbetweenyouandusandexplainsthecoversandconditionsofyourpolicyindetail.Ifanythingisincorrectpleasecontactusoryourbrokerimmediately.

Weagreetoprovidetheinsurancedescribedinthispolicyinreturnforthepremiumyouhavepaidus.

ThepolicywillbegovernedbyEnglishlawunlessyouliveinScotlandinwhichcasethelawofScotlandwillapply(excepttheLegalexpensessectionwhichissubjecttothelawofthatpartoftheUnitedKingdom,ChannelIslandsorIsleofManwhereyounormallylive).Inthecaseofadisputeastowhichlawapplies,itwillbeEnglishlaw.

How we use your data

Yourprivacyisimportanttous.Wewillprocessyourpersonaldatainaccordancewithdataprotectionlaws.

EcclesiasticalInsuranceOfficeplc("we","us","our")isthedatacontrollerinrespectofanypersonaldatawhichyouprovidetousorwhichweholdaboutyouandanypersonaldatawhichisprocessedinconnectionwiththeservicesweprovidetoyou.

Whereyouprovideuswithpersonaldataaboutapersonotherthanyourself(suchasadependantornamedpersonunderapolicy),youmustinformthemthatyouareprovidingtheirpersonaldatatousandreferthemtothisnotice.

Toprovideourinsurancerelatedservices,wewillcollectandprocessyourpersonaldatasuchasyourname,contactdetails,financialinformationandanyinformationwhichisrelevanttotheinsurancepolicyweareproviding.Inordertoprovideyourinsurancepolicyorwhenmakingaclaim,wemayalsoneedtocollectorprocess‘specialcategoriesofpersonaldata’suchasinformationrelatingtoyourhealthorcriminalconvictionsorinformationwhichislikelytorevealyourreligiousbeliefs.

Weprocessyourpersonaldataforthepurposesofofferingandcarryingoutinsurancerelatedservicestoyouortoanorganisationorotherpersonswhichyourepresent.Yourpersonaldataisalsousedforbusinesspurposessuchasfraudprevention,businessmanagement,systemsdevelopmentandcarryingoutstatisticalandstrategicanalysis.

Providingourserviceswillinvolvesharingyourpersonaldatawith,andobtaininginformationaboutyoufrom,ourgroupcompaniesandthirdpartiessuchasbrokers,lossadjusters,creditreferenceagencies,fraudpreventionagencies,ourserviceprovidersandprofessionaladvisors,orbusinesspartnersandourregulators.

InsomecircumstanceswemaytransferyourpersonaldatatocountriesoutsideoftheEuropeanEconomicArea.Wewillputappropriatesafeguardsinplacetoensurethatyourpersonaldataisprotected.

Wherewehaveyourconsent,wemaymarketourservicestoyouorprovideyourpersonaldatatoourrelatedcompaniesorbusinesspartnersformarketingpurposes.Youcanoptoutofmarketingcommunicationsatanytimebyclickingonthelinkatthebottomofanyemailorbycontactingus.

4 POLICYDOCUMENT

Fraud Prevention

Weneedtocarryoutfraudandanti-moneylaunderingchecks,andthiswillinvolvesharingyourpersonaldata(suchasyourname,contactdetailsandfinancialinformation)withcreditreferenceandfraudpreventionorganisationssuchastheClaimsandUnderwritingExchange,runbyMIB.Ifyoumakeaclaim,wewillshareyourpersonaldata(totheextentnecessary)withothercompaniesincludingotherinsurersandanti-fraudorganisationstopreventfraud.Forthepurposesofdecidingwhethertoacceptandpayaclaimoranypartofit,wemayappointlossadjustersorexternalinvestigationservicestoactonourbehalf.

Iffalseorinaccurateinformationisprovidedandfraudisidentified,yourpersonaldatawillbepassedtofraudpreventionagenciesincludingtheInsuranceFraudRegister,runbytheInsuranceFraudBureau.Lawenforcementagenciesmayaccessandusethisinformation.

Pleasenotethatwhencarryingoutanyfraudpreventionactivities,wemayneedtoprocessyourspecialcategoriesofdatasuchascriminaloffenceinformationandshareitwithfraudpreventionagencies.

Further Information

ForfurtherinformationonhowyourpersonaldataisusedandyourrightsinrelationtoyourpersonaldatapleaserefertoourPrivacyPolicyatwww.ecclesiastical.com/privacypolicyorcontactourDataProtectionOfficeratBeaufortHouse,BrunswickRoad,GloucesterGL11JZoron0345 6073274 oremailcompliance@ecclesiastical.com.

POLICYDOCUMENT 5

AtEcclesiastical,weliketokeepclaimssimple.

Whenyouclaim,we’lllookatyourcovertoseehowwecanbesthelpyou.We’llworkswiftly,anddealwithyourclaimfairly.Ifwecanresolveyourclaimwhenyoufirstcontactus,wewill.Butifit’salittlemorecomplicated,we’llmakesureyoualwaysknowwhat’sgoingon.We’llalsogiveyoudirectaccesstotheexpertclaimshandlerdealingwithyourclaim,whowillbeabletomakekeydecisionsaboutyourclaim.

We’lltakeaproactiveapproachtoprotectingyourinterestsagainstthirdpartylegalliabilityclaims.Andwe’llalwaysconsultyoubeforemakinganyadmissionofliability.

Claimsserviceandcontactnumbers(notformingpartofthepolicy)

Ourclaims promise

Weareheretohelpwhenyouneedtomakeanewclaim–24hoursaday,sevendaysaweek Youcanclaimbytelephone,byemailoronline Fornewpropertyclaimswewillrespondquicklyandwithinamaximumofoneworkingday Newpersonalinjuryclaimswillbereviewedandaconsideredresponseprovidedtoyouwithinamaximumof

threeworking days Wewillgiveyouthenameanddirectcontactdetailsofthespecialistwhoishandlingyourclaim,soyou

alwaysknowwhototalktoforhelp,adviceandsupport Wewillkeep itassimpleaspossible,guidingandassistingyou throughyourclaim Wehavecarefullychosenoursuppliers,workingwithprovenspecialiststoprovideyouwiththesupportyou

needinresolvingyour claim Wewillpayyourclaimwithinoneworkingdayofagreeingthesettlementamount Wewilldefendclaimsmadeagainstyouforpersonalinjuryrobustlywherewehavetheevidencetodoso

Wewilllookforcoverandwillnothidebehindthesmallprint,payingyouexactlywhatyouareentitledto,quicklyandwithout fuss.

Claimspromise

6 POLICYDOCUMENT

For all claims other than Home emergency, Legal expenses or Travel

Claimsshouldbemadetoyourbrokerorusdirectlyusingthecontactmethodslistedbelow.Newclaimscanbereported24hoursaday,sevendaysaweek.Claimupdatescanberequestedduringourofficehoursof8am–6pm,Monday-Friday.

Calluson

0345 268 6020 (UKonly)

+44 (0)1452 528 533 (outsideUK)

(24hoursaday,sevendaysaweek)

Claim online at

www.ecclesiastical.comEmail

claims@ecclesiastical.com

Home emergency claims

ThiscoverhasbeenarrangedbyusthroughDASLegalExpensesInsuranceCompanyLimited(DAS).Theirfulldetailsareshownonpage50ofthispolicy.

Callthefollowingnumber24hoursaday,sevendaysaweek:

0345 601 3151

Legal expenses claims

ThiscoverhasbeenarrangedbyusthroughDASLegalExpensesCompanyLimited(DAS).Theirfulldetailsareshownonpage50ofthispolicy.

Callthefollowingnumber,24hoursaday,sevendaysaweek:

0345 601 3153 (UKonly)

+ 44 (0)1452 875 925 (outsideofUK)

Email

newclaims@das.co.uk

Makingyourclaim

POLICYDOCUMENT 7

Travel claims

Thiscoveronlyappliesifshownonyourpolicyschedule.TheEmergencyAssistanceandpre-traveladviceservicehasbeenarrangedthroughourselectedspecialistprovider.

Ifyouwishtoreportanewclaimorenquireaboutanexistingclaim,pleasequotethepolicynumberstatedinthepolicyschedule.

For 24 hour Emergency Assistance and pre-travel advice

Pleasephonetheassistancecompanyon

+44 (0) 1452 872 794 (available24hoursaday,sevendaysaweek)

Email

travelassist@ecclesiastical.com

For Personal liability, Baggage and Personal money claims

Ifyourclaimrelatestoyourpersonalliability,baggageandpersonalmoney,thiscoverisprovidedunderSection2ContentsandSection5Liabilities.

Pleasephoneuson

0345 603 8381 (UKonly)

+44 (0)1452 528 533 (outsideUK)

(available24hoursaday,sevendaysaweek)

For all other claims

ThisserviceisprovidedbyaclaimsmanagementcompanyonbehalfofEcclesiasticalInsuranceOfficeplc.Pleasecall

0345 606 1018 (UKonly)

+44 (0)1452 872 701 (outsideofUK)

(availablefromMondaytoFriday9amto5pm)

Email

travelclaims@ecclesiastical.com

8 POLICYDOCUMENT

Helplines

Emergency Glass Replacement

Telephone

0345 600 0148Ifyousufferglassbreakageyoucancallupontheservicesofourselectedspecialistproviderwhowilleffectarapidrepair.

Ifyouarecoveredforglassbreakageunderthispolicytheywillissuetwoseparateinvoices,aninvoiceforyoutocovertheamountofanypolicyexcessandrecoverableVATandaninvoicewhichissentdirectlytousfortheremainingcosts.

Iftheglassisnotinsuredyouwillbesolelyresponsiblefortheentirecostofrepairs.

Legal and advice helplines

WehavearrangedthehelplineservicesdescribedbelowforthebenefitofallArtandPrivateClientpolicyholders.Whencallinganyoftheemergencyhelplineservices,pleasemakesurethatyoucangiveyourpolicynumber.

ThesehelplinesareprovidedbyDASLawLimitedorapreferredlawfirmonbehalfofDAS.TohelpDAScheckandimprovetheirservicestandards,DASrecordsallinboundandoutboundcalls,exceptthosetothecounsellingservice.

DASwillnotacceptresponsibilityifthehelplineservicesareunavailableforreasonstheycannotcontrol.YoucancontactthisUK-basedcallcentre24hoursaday,sevendaysaweek.However,DASmayneedtoarrangetocallyoubackdependingonyourenquiry.

For all the following helplines (except Counselling): Telephone

0345 268 9124 (UKonly)

+44 (0)1452 875 925 (outsideUK)

Eurolaw legal adviceThiswillgiveyouconfidentiallegaladviceonanypersonallegalproblemunderthelawsofthemembercountriesoftheEuropeanUnion,theIsleofMan,theChannelIslands,SwitzerlandandNorway,whichinmanycaseswillsavetheneedformoreaction.AdviceaboutthelawinEnglandandWalesisavailable24hoursaday,sevendaysaweek.Legaladvicefortheothercountriesisavailable9am-5pm,MondaytoFriday,excludingpublicandbankholidays.Ifyoucalloutsidethesetimesamessagewillbetakenandareturncallarrangedwithintheoperatinghours.

Tax adviceThiswillgiveyouconfidentialadviceoverthephoneonpersonaltaxmatters.Taxadviceisprovidedbytaxadvisors9am-5pm,MondaytoFriday,excludingpublicandbankholidays.Ifyoucalloutsidethesetimesamessagewillbetakenandareturncallarrangedwithintheoperatinghours.

Identity theftThehelplineisopen8am-8pm,sevendaysaweek.

IfyouarearesidentintheUKortheChannelIslands,thiswillprovideyouwithdetailedguidanceandadviceoverthephoneforanyconcernsaboutbeingorbecomingavictimofidentitytheft.

IfyouridentityisusedorstolenwhileabroadorintheChannelIslandsorIsleofMan,theadviceavailablefromtheIdentityTheftHelplineandSupportServicesmaybelimited.

POLICYDOCUMENT 9

Health and medical informationWewillgiveyouinformationoverthephoneongeneralhealthissuesandadviceonawidevarietyofmedicalmatters.Wecanprovideinformationonwhathealthservicesareavailableinyourarea,includinglocalNHSdentists.

Healthandmedicalinformationisprovidedbyqualifiednurses9am-5pm,MondaytoFriday,excludingpublicandbankholidays.Ifyoucalloutsidethesetimes,amessagewillbetakenandareturncallarrangedwithintheoperatinghours.

Veterinary assistanceIfyourpetisillorinjured,thiscanhelpfindavetwhocanoffertreatment.

Youareresponsibleforpayinganycostsforthehelpprovided.

Childcare helpThiswillhelpyoufindarangeofchildcareoptionsinyourareaifanunforeseeneventoccurs(suchasillnessorinjurytoyou)andyouneedtomakealternativechildcarearrangements.

Youareresponsibleforpayinganycostsforthehelpprovided.

Home helpThiswillarrangeassistancefollowinganemergency(suchasillnessorinjurytoyou)whenhelpisneededtorunthehome.Itcanhelpfindcleaningstaff,aupairs,andhousekeepers.

Youareresponsibleforpayinganycostsforthehelpprovided.

Counselling Telephone

0345 266 9667 (UKonly)

+44 (0)1452 875 927 (outsideUK)

Thiswillprovideyouwithaconfidentialcounsellingserviceoverthephoneifyouareaged18orover(oragedbetween16and18andinfull-timeemployment)including,whereappropriate,onwardreferraltorelevantvoluntaryorprofessionalservices.Youwillpayanycostsforusingtheservicestowhichwereferyou.Thishelplineisopen24hoursaday,sevendaysaweek.

10 POLICYDOCUMENT

Complaints procedure

Ifyouareunhappywithourproductsorservice,pleasecontactusassoonaspossible.Youcancomplaininwritingorverballyatanytimeto:

For all complaints other than Legal expenses and Home emergency complaints

EcclesiasticalInsuranceOfficeplcBeaufortHouseBrunswickRoadGloucesterGL11JZ

Tel:0345 777 3322Email:complaints@ecclesiastical.com

For Legal expenses or Home emergency complaints

Wealwaysaimtogiveyouahighqualityservice.Ifyouareunhappywiththeserviceprovidedbyanappointedrepresentativepleasecontactusononeofthemethodsbelow:

DASLegalExpensesInsuranceCompanyLimitedDASHouseQuaySideTempleBackBristolBS16NH

Tel:0344 893 9013Email:customerrelations@das.co.uk Onlinecomplaintform:www.das.co.uk/about-das/complaints

Furtherdetailsofourinternalcomplaint-handlingproceduresareavailableonrequest.

Ifyouarenothappywiththecomplaintoutcomeorifwe’vebeenunabletorespondtoyourcomplaintwithineightweeks,youcanasktheFinancialOmbudsmanServiceforafreeandindependentreviewofyourcomplaint.

Youcancontactthemusingtheirdetailsshownbelow.

Ecclesiastical’s promise to you

Wewillaimtoresolveyourcomplaintwithinonebusinessday.

Toresolveyourcomplaintwewill:

Investigateyourcomplaintdiligentlyandimpartially; Keepyouinformedoftheprogressoftheinvestigation; Formorecomplexissues,wemayneedalittlelongertoinvestigateandwemayaskyouforfurther

informationtohelpusreachadecision; Respondinwritingtoyourcomplaintassoonaspossible.

Generalinformation

POLICYDOCUMENT 11

Ifyou'renotsatisfiedwithourresponse,orwehavenotcompletedourinvestigationaftereightweeks,we'llinformyouofyourrighttotakethecomplaintto:

FinancialOmbudsmanServiceExchangeTowerLondonE149SR

Tel:0800 023 4567Email:complaint.info@financial-ombudsman.org.ukWebsite:www.financial-ombudsman.org.uk

Ifyouhaveboughtyourinsuranceonline,youcanalsoregisteryourcomplaintontheOnlineDisputeResolutionwebsitehttp://ec.europa.eu/consumers/odr/whichhasbeensetupbytheEuropeanCommission.

This complaints procedure does not affect your right to take legal proceedings.

The Financial Services Compensation Scheme

TheFinancialServicesCompensationScheme(FSCS)istheindependentbody,setupbygovernment,whichgivesyouyourmoneybackifyourauthorised*financialservicesproviderisunabletomeetitsobligations.

TheFSCSprotectsarangeofproductsforbothindividualsandsmallbusinesses.Limitsapplydependingontheproductyouhavebought.TheFSCSdoesnotchargeindividualconsumersforusingitsservice.TheFSCScannothelpyouifthefirmyouhavedonebusinesswithisstilltrading.

Forfurtherinformationontheschemeyoucanvisitthewebsiteat:www.fscs.org.uk

orwriteto:

FinancialServicesCompensationScheme10thFloorBeaufortHouse15StBotolphStreetLondonEC3A7QU

Tel:0207 741 4100 or 0800 678 1100Email: enquiries@fscs.org.uk

*TheFSCScanonlypaycompensationforcustomersoffinancialservicesfirmsauthorisedbythePRAorFCA.

12 POLICYDOCUMENT

Eachtimeanyofthefollowingwordsorphrasesappearinthisdocumentinbolditalictypeorcapitallettersinthescheduletheywilltakethespecificmeaningshownbelowunlessmorespecificallydefinedundereachindividualpolicysection.

Wherewordsorphrasesarenothighlightedinthismannerthenormaleverydaymeaningofthewordorphrasewillapply.

Art and antiquesmeansanythingthatcouldbeboughtorsoldatareputableauctionhouseincluding,butnotlimitedto,paintings,worksonpaper,furniture,tapestriesandrugs,antiqueguns(i.e.thosenotinactiveuse),manuscriptsandbooks,sculptures,ceramicsandotherbrittleitems,gold,silverandgoldandsilver-plateditems,clocksandbarometers,collectiblesincludingwinecollections,glass,coins,stampsandmedals.

Excludingpersonal valuables.

Buildingsmeansthebuildingsatthepremiseswhichbelongtoyouorforwhichyouarelegallyresponsibleincluding:1. thehome;2. fixtures and fittings;3. outbuildings;4. driveways,terraces,footpaths,walls,gates,hedgesandfences;5. artificialplayingsurfaces,tenniscourts,swimmingpoolsandassociatedapparatus;6. domesticfixedfueltanks;7. undergroundservicepipesandcables,sewersanddrains;8. aerialandsatellitedishesandtheirfittingsandmastsfixedtothebuildings;9. thefollowingitemsfixedtothebuildings:

a. windturbinesfordomesticpurposes;b. solarpanelsfordomesticpurposes;c. photovoltaicpanelsfordomesticpurposes;

excluding:1. bridgesinexcessof£50,000,landpiers,jettiesandexcavations;2. naturalorartificial:

a. watercourses;b. confinesofanybodyofstandingwaterincludingbutnotlimitedto:

i. dams,reservoirs,culvertsinexcessof£100,000,canals,moats,riversandlakes;ii. anyman-madeelementsattachingtoorformingpartofsuchstructures;

unlessmorespecificallymentionedinthepolicyoronyour schedule.

Businessmeansanybusinessorprofessionincludingincidental business,whichwehaveacceptedandnotedontheschedule,whichisconductedsolelyfromthebuildingsanddoesnotincludeanyworkundertakenonanyoffshoreplatform,rig,serviceoraccommodationvesselorinstallationorwhilstinthecourseofajourneytoorfromsuchlocation.

Business contentsmeansequipment,furnishingsandsuppliesnotinsuredelsewhereusedtoconductthebusinessincluding:1. yourbusinessbooks(otherthanelectronicbusinessrecordswhicharecoveredunderBusiness

interruptionparagraph3.onpage32);2. personaleffectsbelongingtoemployeesandvisitorsupto£250perperson;3. businessstockupto£500oranyhigherlimitagreedandnotedinyourschedule.Excludingmusicalinstrumentsandcamerasandtheirrelatedequipment.

Generaldefinitions

POLICYDOCUMENT 13

Business moneymeansmoneyrelatingtothebusiness.

Contentsmeanshouseholdgoods,clothing,personalbelongings(itemsworn,usedorcarriedaboutthepersonincludingglasses,dentures,hearingaidsandfurs)andoutdoor items allbelongingtoyouorforwhichyouarelegallyresponsible.Thetermcontentsdoesnotincludethefollowing:1. money;2. motor vehicles,caravans,aircraft,hovercraftandanyaccessorywhichisdesignedtobeusedwithanyof

these(otherthanaccessoriesformotor vehiclesandcaravanswhentheyareremovedandstoredinyourbuildings);

3. trailers(otherthantrailersandnon-motorisedhorseboxesuptofivemetresinlengthasprovidedforundertheinnerlimitsoftheContentssection);

4. watercraftandanyassociatedequipment(exceptforwatercraftasprovidedforundertheinnerlimitsoftheContentssection);

5. anylivingcreatures,trees,shrubs,plantsorgrass(exceptasprovidedforunderOthercovers5oftheBuildingssectionandOthercovers15oftheContentssection);

6. landlord'sfixtures and fittings;7. propertyinsuredseparatelyorpropertyspecifiedseparatelyelsewhereunderthispolicy.

Damagemeansphysicalloss,destructionordamage.

Datameansinformationrepresentedorstoredelectronicallyincludingbutnotlimitedtocodeorseriesofinstructions,operatingsystems,software,programsandfirmware.

Depreciationmeansthereductioninvalueofanitemcauseddirectlybydamagetotheitemandarrivedatwithreferencetothefullinsuredvalueoftheitemasperthebasisofsettlementanditsconditionpriortothedamage.

Domestic staffmeansanypersonwhoisemployedbyyouorself-employedandworkingonalabouronlybasisunderyourdirection,controlandsupervisionnotinconnectionwithanybusinessundertaking.

Employee(s)meansanypersonemployedbyyouunderacontractofserviceorapprenticeshipandcarryingoutdutiesinconnectionwiththebusiness.

Excessmeanstheamountyoumustpaytowardsanyclaim.

Note:ifoneincidentresultsinaclaimbeingmadeundermorethanonesectionofthispolicy,onlyoneexcess(thehigheramount)willapply.

Fixtures and fittingsmeansallitemsthatarefixedtoandformpartofthestructureofyour homeincludingwalldecorations,bathroomsuites,fittedkitchensandflooring.

Garden statuesmeansstatuesandsculpturesnormallysituatedoutdoorswithintheboundariesofthelandbelongingtothehome.

14 POLICYDOCUMENT

Geographical limitsmeansEngland,Scotland,Wales,NorthernIreland,RepublicofIreland,theChannelIslandsandtheIsleofMan.

Homemeansyourresidenceshownonyour schedule.

Heavemeansupwardmovementofthegroundbeneaththebuildingsasaresultofthesoilexpanding.

Incidental businessmeans1. clericaloradministrativeactivities;2. theprovisionofbedandbreakfastaccommodationforamaximumofsixpersonsatanyonetime;3. loanorhiringofthehomeandgardenstoothers;4. incidental farming and country pursuits;aslongastheannualincomeintotaldoesnotexceed£25,000.

Incidental farming and country pursuitsmeansfarmingincludinghunting,shooting,fishing,raisingorcaringforanimalsandprovisionofstablingandlivery(excludingridingestablishmentsandridingschools),carriedoutbyyouonapart-timebasisatyourhomenotedontheschedule,aslongasanypeopleyouemployforthispurposedonotworkmorethan1,000hoursbetweenthemduringtheperiodofinsurance.

Landslipmeansdownwardmovementofslopingground.

Market valuemeansthepriceawillingbuyerwouldpaytoawillingsellerwithgoodtitleattheplacetheitemwaslocatedimmediatelypriortotheloss,afterareasonableperiodformarketing,takingintoaccountthestateofthemarketforgoodsofthattypeandthesizeandconditionofthegoods.

Marqueemeanshiredmarqueesortentsincludinggazebos,staging,flooring,chairs,tables,lightingandotherancillaryequipment.

Moneymeansmoneybelongingtoyouincludingcurrentnotesandcoins,cheques,travellers'cheques,postalormoneyorders,postagestamps(notformingpartofastampcollection),NationalSavingsstampsorcertificates,premiumbonds,gifttokens,travelticketsandotherseasontickets.

Motor vehiclemeansanyelectricallyormechanicallypoweredvehicleotherthan:1. avehicleusedonlyasdomesticgardeningequipment;2. avehicledesignedfordisabledpeopleprovidedthevehicleisnotrequiredtoberegisteredunderthe

RoadTrafficActs;3. golfbuggiesorcarts;4. quadbikesusedforhorseandpetcare,gardeningandincidental farming and country pursuitsonly;5. atoyormodelcontrolledbysomeoneonfoot.

Office contentsmeansofficefurnitureandequipment,stationeryandofficesuppliesyouownorleasewhileatyourhome.

POLICYDOCUMENT 15

Outbuildingsmeansanypermanentstructureusedfordomesticorincidentalbusinessusewithinthegroundsofyour homewhichisnotattachedtothemainbuildingincludinggreenhousesanddomesticgarageswhichbelongtoyouorforwhichyouarelegallyresponsible.

Outdoor itemsmeansgardenfurniture,ornamentsandothersimilaritemsthatarenormallyleftoutsideotherthangarden statues.

Personal valuablesmeansjewellery,watches,gemstones,pearls,itemsofgoldorsilverorotherpreciousorsemi-preciousmetaland/orarticlescomprisingofthem,designedtobewornonthepersonandguns.

Policymeansthisinsurancedocumentandtheschedule.

Reinstatement techniques and materialsmeanstechniquesandmaterialsthatwillallowthebuildingstobesympatheticallyrepairedinasimilarformtotheexistingstructuresusingmaterialswhicharesubstantiallythesameastheoriginal,butmaynotbeofthesameperiod.

Settlementmeansdownwardmovementasaresultofthesoilbeingcompressedbytheweightofthebuildingswithin10yearsofconstruction.

Schedulemeansthemostrecentdocumentinwhichthecoversthatareinforceandtheamountsinsured,whereappropriate,areshown.ThisincludesanyclausesandtheStatementofFact.

Subsidencemeansdownwardmovementofthegroundbeneaththebuildingsotherthanbysettlement.

Tenant’s improvementsmeansimprovementsmadetothebuildingsbyyouorforwhichyouarelegallyresponsibleincludingfixtures and fittingsandanyradioandtelevisionaerials,satellitedishesandtheirfittingsandmaststhatbelongtoyou.Thisapplieswhereyoudonotownorarenotresponsibleforinsuringthebuildings.

Terrorismmeansanactincludingbutnotlimitedtotheuseofforceorviolenceand/orthethreatthereofofanypersonorgroup(s)ofpersonswhetheractingaloneoronbehalfoforinconnectionwithanyorganisation(s)orgovernment(s)committedforpolitical,religious,ideologicalorsimilarpurposesincludingtheintentiontoinfluenceanygovernmentand/ortoputthepublicoranysectionofthepublicinfear.

Unoccupiedmeansnotlivedinbyyouoranypersonauthorisedbyyouformorethan60consecutivedays.

Watercraftmeanshandorwindpropelledwatercraftwhichisnomorethanfivemetresinlengthandanyassociatedequipment,includingtrolleysandtrailers.

We, our, usmeansEcclesiasticalInsuranceOfficeplc.

You, yourmeansthepeoplenamedasinsuredinthescheduleandtheirfamilywhonormallylivewiththem.

16 POLICYDOCUMENT

1 Duty of care

Youmusttakeallreasonablestepstopreventorreducelossof,ordamageto,propertyinsuredbythispolicyandtomaintainthepropertyinagoodconditionandinagoodstateofrepair.

2 Other insurances

Atthetimeofanyloss,damageorliabilityresultinginaclaimunderthispolicy,ifyouhaveanyotherinsurancecoveringthesameloss,damageorliability,wewillonlyberesponsibleforourproportionoftheclaim.

3 More than one property

Ifthispolicyinsuresmorethanonepropertyasshownonyourschedule,thepolicylimitsandexclusionsapplyseparatelytoeachpropertyinthesamewayasifeachpropertyhadbeeninsuredbyaseparatepolicy.

4 Notifying us of a change

Pleasetellusassoonaspossibleifthereareanychangestotheinformationsetoutinthemostrecentscheduleissuedtoyou.Thisincludesanychangetothepersonstobeinsuredunderthepolicy,theaddressofthepropertytobeinsuredandtheamountsorlimitsyouritemsareinsuredfor.

Youmustalsotellusassoonaspossibleaboutanyofthefollowing:

1. Anychangetoyourcorrespondenceaddressforthispolicy;2. Anychangetoyouroccupation,trade,professionornatureofbusinessactivity;3. Ifanypersoninsuredunderthispolicyreceivesacriminalconvictionwhichresultsinacustodialsentence;4. Anyplannedbuildingworks(otherthanthoseautomaticallyprovidedfor,asexplainedinGeneralcondition11);5. Ifthereisachangeintheuseofthebuildingsorchangetothebusinessconductedfromthebuildings;6. Ifanyofyourbuildingsaretobeunoccupied.Ifindoubt,youshouldcontactusoryourbroker;7. Anyalterationtothefireand/orsecurityarrangementsorprotectionspreviouslyadvisedtous,includingany

fireand/orintruderalarmsystemnolongerbeingmaintained,operationalorusedorifthereareanychangestotheresponsetoanalarmactivation.

Ifyoutellusaboutachangeaffectingyourpolicy,wewilltellyouwhetherweareabletoacceptthechangeandifso,whetherthechangewillresultinrevisedtermsand/orpremiumbeingappliedtoyourpolicy.

Ifyoudonottellusaboutachangedescribedabove,oriftheinformationthatyouprovideisnotcompleteandaccuratewemay,dependingonthecircumstances:1. refusetopayorreducetheamountwepayfortherelevantclaim;2. revisethetermsand/orpremiumofyourpolicy;or3. cancelyourpolicyinaccordancewithGeneralcondition6.

5 Changes to premium

Ifyoumakeachangeinthepolicycoverandthisresultsinachargeorarefundofthepremiumfortheperioduptotherenewaldateofthepolicy,thensuchchargeorrefundwillonlybemadebyusifexceeding£50.Wedonotmakeanadministrationchargeforprocessingchangesyourequire.

6 Cancelling the policy

1. Your right to cancel in the cooling-off period Ifafterinsuringwithusandreceivingthefullwrittenpolicydocumentationincludingthescheduleyou

subsequentlychangeyourmind,youhave14daystowritetousconfirmingthatyoudonotwishtocontinue.

Generalconditions

POLICYDOCUMENT 17

Nochargewillbemadeandanypremiumyouhavealreadypaidwillberefunded,providedyouhavenotmadeaclaimandyouarenotawareofanyincidentsthatmaygiverisetoaclaim.

Ifyoudomakeaclaimorthereisanincidentwhichmaygiverisetoaclaimthenyoumustpaytheannualpremiuminfull.

2. Your right to cancel after the cooling-off period Ifyoudonotcancelthepolicywithinthe14-daycooling-offperiodmentionedabove,thepolicyisinforce

andyouarecommittedtopaythepremium.However,youcanstillcancelthepolicyprovidingyougiveusadvancenoticeinwriting.Aslongasyouhavenotmadeaclaimyouwillreceivearefundofthepartofyourpremiumwhichcoversthecancelledperiod,providingthisexceeds£50.Ifyouhavemadeaclaimthenthefullannualpremiumisdue.

3. Our right to cancel

a. Non-paymentofpremium

i. Ifyoudonotpayyourpremiumbyinstalments Unlessotherwiseagreedwithus,wewillnotprovidecoverunderthispolicyunlessyoupaythe

premiumbythedateitisdue.Ifyoudonotpaythepremiumbythisdate,wewillsendnoticeoftheoutstandingpremiumtoyouandgiveyouafurtherperiodofatleast14daysfromthedateitbecamedueinwhichtopaytheoutstandingamount.Ifpaymentisstillnotreceivedinthetimescalewehaveadvisedthepolicyiscancelledfromtheoutset.

ii. Ifyoupayyourpremiumbyinstalments Unlessotherwiseagreedwithus,wewillnotprovidecoverunderthispolicyunlessyoupaythefirst

instalmentofpremiumwhenrequested.Ifthefirstinstalmentofpremiumisnotreceived,thepolicyiscancelledfromtheoutset.

Ifyoupaythefirstinstalmentofpremiumbutdefaultonanysubsequentinstalments,wemaycancelthepolicywitheffectfromthedatethefirstoutstandinginstalmentwasduebynotifyingyouinwriting.

Ifyourinstalmentplanisprovidedbyus,wewillsendnoticeofanyoutstandinginstalmenttoyouandadvisethedatewhenwewillre-presentourpaymentrequesttothebank.Thiswillnotbelessthan14daysfromthedateonwhichourpaymentrequestwasoriginallypresented.

Wewillnotcancelthepolicyforfailuretopaythepremiumoranyinstalmentofpremiumifsuchfailureisduetoerroronourpartoronthepartofyourbroker,bankorbuildingsociety.

b. Othercancellationrights

Inadditiontoourrightsunder:i. non-paymentofpremiumabove;andii. Generalcondition10Fraudulentclaims;andiii. Generalcondition13Sanctions;

wehavetherighttocancelyourpolicyatanytimebygivingyouatleast14days’noticeinwriting,sentbyspecialdeliverytoyourlastknownaddress,wherewehaveavalidreasonfordoingso.Ourcancellationletterwillsetoutthereasonwhywearecancellingyourpolicy.Validreasonsforcancellingyourpolicymayincludebutarenotlimitedto:

1. circumstanceswhichareoutsideourreasonablecontrol,forexample:a. wherethelawrequiresthatwecancelyourpolicy;b. wherethecontinuationofyourpolicywouldresultinusbreachinganyapplicablelawor

regulationthatappliestoyourpolicy.2. youreceivingacriminalconvictionwhichresultsinacustodialsentence.

18 POLICYDOCUMENT

Ifwecancelyourpolicyforavalidreasoninaccordancewithourrightsunderb.aboveandyoudonotpayyourpremiumbyinstalments,wewillrefundthepartofyourpremiumwhichrelatestotheperiodremainingunderyourpolicywhichhasbeencancelledbyus.

Ifyouhavemadeaclaimunderyourpolicy,wewillnotrefundanypartofyourpremiumandyouwillberequiredtopayusanyunpaidpremium.

7 Making a claim

1. Ifanyeventwhichmayresultinaclaimunderthispolicyoccurs,youmusttellusassoonasisreasonablypossibleandwithinsevendaysintheeventofriot.

Otheractiontotakethendependsonthetypeofclaim. Accidental loss outside the home, theft, vandalism, or malicious acts Tellthepoliceassoonasreasonablypossibleandobtainacrimereferencenumberfortheft,vandalismor

maliciousacts. Legal liability for injury or damage Immediatelysendusanywrit,summons,orotherlegaldocument. Youmustnotnegotiate,admitordenyanyclaimwithoutourwrittenpermission. Legal expenses TellDASLegalExpensesInsuranceCompanyLtdassoonaspossible. Travel Youmustplaceyourselfunderthecareandfollowtheadviceofaqualifiedmedicalpractitionerintheeventof

bodilyinjuryorsicknesswhichmaybethesubjectofaclaimunderthispolicy. Youmustgiveusreasonablenoticebeforetheintermentorcremationortheholdingofanyinquest,enquiryor

proceedingconcerningthedeathordisappearanceofaninsuredperson.2. a. Tohelpprogressyourclaimwemayrequireyoutoprovideoriginalpurchasereceipts,invoices,bankor

creditcardstatements,instructionbooklets,photographs,utilitybills,pre-purchasesurveysorplansanddeedsofyourproperty.Wemayalsorequireyourconsenttoobtaininformationaboutyourlossfromthepoliceorotherrelevantlawenforcementagency.

b. Tohelpassistindealingwithyourclaimwemayrequireyoutoobtainestimatesforthereplacementorrepairofdamagedproperty.

Wewillonlyaskforinformationrelevanttoyourclaimandwewillpayforanyreasonableexpensesyouincurinprovidinguswiththeaboveinformationaspartofyourclaim.c. Followingnotificationofyourclaimanypropertydamagedbeyondrepairmustberetainedforatleast30

days(oranyotherperiodweagree)andbemadeavailableforourinspection.

8 Rights and responsibilities

Wemayenteryourpropertywheredamagehasoccurredtodealwithyourclaim,temporarilytakeforsafekeepinganyofthepropertyinsuredandtodealwithanysalvage.However,youmustnotabandonanypropertytous.Wemaytakeoveranddealwith,inyourname,thedefenceorsettlementofanyclaim.

Wemaytakeproceedingsinyourname,butatourexpense,torecovertheamountofanypaymentwehavemadeunderthispolicy.Youmustgiveusalltheinformationwemayneedtomaketheserecoveries.

9 Rights of third parties

ApersonorcompanywhoisnotpartytothispolicyhasnorightundertheContract(RightofThirdParties)Act1999toenforceanytermofthispolicy,butthisdoesnotaffectanyrightorremedyofathirdpartywhichexistsorisavailableapartfromthatAct.

POLICYDOCUMENT 19

10 Fraudulent claims

Ifaclaimmadebyyouoranyoneactingonyourbehalf,oranyotherpersonclaimingtoobtainbenefitunderthispolicy,isfraudulentorexaggerated,whetherultimatelymaterialornot,orifanydamageiscausedbyyourwilfulactorwithyourknowledgewemayatouroption:1. repudiatetheclaim;2. recoveranypaymentsalreadymadebyusinrespectoftheclaim;3. cancelthepolicyfromthedateofthefraudulentactandretainthepremiumduefortheunexpiredperiodof

insurancefromthedateofcancellationuptotherenewaldate.Ifwecancelthepolicywewillnotifyyouinwriting,byspecialdeliverytoyourlastknownaddress.

11 Misrepresentation

Itisyourdutytotakereasonablecarenottomakeamisrepresentationtousifweaskyouaquestioninconnectionwithyourinsuranceorweaskyoutoconfirmoramenddetails.

Ifyoufailinthisdutyitmayhaveadverseconsequencesonyourpolicyincluding,intheworstcasescenario,refusingallclaims,cancellingthepolicyfromthebeginningandretainingallpremiumspaid.

12 Sanctions

Weshallnotprovideanycoverunderthispolicyorbeliabletopayanyclaimorprovideanybenefittotheextentthattheprovisionofsuchcover,paymentofsuchclaimorprovisionofsuchbenefitwouldexposeustoanysanction,prohibitionorrestrictionunderUnitedNationsresolutionsorthetradeoreconomicsanctions,lawsorregulationsoftheEuropeanUnion,UnitedKingdomorUnitedStatesofAmerica.

Ifanysuchsanction,prohibitionorrestrictiontakeseffectduringtheperiodofinsuranceyouorwemaycancelthatpartofthispolicywhichisaffectedwithimmediateeffectbygivingsuchnoticeinwriting.

Insuchcircumstancesweshallreturnaproportionatepremiumfortheunexpiredperiodofcoverprovidednoclaimshavebeenpaidorareoutstanding.

13 Assignment

Youshallnotassignanyoftherightsorbenefitsunderthispolicyoranysectionofthispolicywithoutourpriorwrittenconsent.

Wewillnotbeboundtoacceptorbeaffectedbyanynoticeoftrust,charge,lienorpurportedassignmentorotherdealingwithorrelatingtothispolicyoranysectionofthispolicy.

14 Building works

Youmustprovideuswithfulldetailsofanyconversions,renovations,extensionsorotherstructuralworktothebuildingsiftheestimatedcostexceeds£125,000intotalinanyoneperiodofinsurance.Oncenotified,wehavetheoptiontochangetheconditionsofthispolicy.

Ifyoufailtonotifyandprovideuswithfulldetailsatleast30daysbeforetheworkisduetostart,wemaynotpayforanylosscausedbyorrelatingtothebuildingworksunderyourpolicy.

20 POLICYDOCUMENT

Whilstweaimtomakeourpolicycomprehensive,therearecertainthingswedonotinsure.Eachsectioncontainsexclusionsspecifictoit.Thefollowingapplytoallsectionsofthepolicyunlessstatedotherwise.

This policy does not cover

1 Radioactive contamination

Wewillnotcoverloss,damage,liabilityorexpensedirectlyorindirectlycausedbyorcontributedtobyorarisingfrom:- ionisingradiationfrom,orcontaminationby,radioactivityfromanynuclearfuelorfromanynuclearwasteor

fromthecombustionofnuclearfuel;- theradioactive,toxic,explosiveorotherhazardousorcontaminatingpropertiesofanynuclearinstallation,

reactororothernuclearassemblyornuclearcomponentofanyofthese;- anyweaponordeviceemployingatomicornuclearfissionand/orfusionorotherlikereactionorradioactive

forceormatter;- theradioactive,toxic,explosiveorotherhazardousorcontaminatingpropertiesofanyradioactivematter.This

doesnotextendtoradioactiveisotopes(otherthannuclearfuelornuclearwaste)whensuchisotopesareinthebuildingsandarebeingprepared,storedorusedinthenormalcourseofyouroperationsforthecommercial,agricultural,medical,scientificorothersimilarpeacefulpurposesforwhichtheywereintended.

2 War risks

Wewillnotpayforloss,damageorliabilitydirectlyorindirectlyoccasionedby,happeningthroughorinconsequenceofwar,invasion,actsofforeignenemies,hostilities(whetherwarisdeclaredornot)civilwar,rebellion,revolution,insurrection,militaryorusurpedpower.

3 Terrorism

PartA-PropertyApplicabletotheBuildings,Contents,Art,antiquesandpersonalvaluablesandHomeemergencysectionsofthepolicy.Regardlessofanycontributorycausethisinsurancedoesnotcoveranyloss,damageorexpensedirectlyorindirectlycausedby,resultingfromorinconnectionwith:

1. ContaminationorthethreatofContamination;2. anyactiontakenincontrolling,preventingorinanywayrelatingtoContaminationorthethreatof

Contamination;duetoanyactofterrorism.

Forthepurposesofthisexclusion,Contaminationmeansbiological,chemicalornuclearpollution,contaminationorforce.

Ifweallegethatbyreasonofthisexclusionanydirectorindirectloss,damageorexpenseisnotcoveredbythisinsurancetheburdenofprovingthecontraryshallbeuponyou.

Generalexclusions

POLICYDOCUMENT 21

PartB-ThirdpartyliabilityApplicabletoanysectionorpartofasectioninsuringlegalliabilitytothirdparties.Thisinsurancedoesnotprovideanindemnityinrespectofanyliabilitytothirdpartiesoranyliabilityincurredbyyoufordamages,costsorexpensesdirectlyorindirectlycausedbyresultingfromorinconnectionwithanyactofterrorism.Thispolicyalsoexcludesanysuchthirdpartyliabilityoranyliabilityincurredbyyoudirectlyorindirectlycausedby,resultingfromorinconnectionwithanyactiontakenincontrolling,preventing,suppressingorinanywayrelatingtoanyactofterrorism.Ifweallegethatbyreasonofthisexclusionanydirectorindirectloss,damageorexpenseisnotcoveredbythisinsurancetheburdenofprovingthecontraryshallbeuponyou.

4 Uninsurable risks

Wewillnotcoverthefollowing:- Thecostofmaintainingbuildingsorcontents;- Damagethathappenedbeforecoverunderthispolicystarted;- Damagecauseddeliberatelybyyouoranyoneactingonyourbehalf.Thisdoesnotapplytotheftby

domestic staffofanyinsuredpropertyunderthispolicy;- Damagecausedbywearandtear,atmosphericorclimaticconditions(otherthanstormorflood)frost,rot,

fungus,inherentvice,latentdefect,insects,verminoranygradualcause;- Damagecausedbyfaultyworkmanship,materials,specificationordesign;- Damagecausedbycleaning,dyeing,repair,orrestoration(otherthanasprovidedbytheRestorationand

repaircoveroftheArt,antiquesandpersonalvaluablessection);- Mechanicalorelectricalbreakdown;- Propertybeingconfiscatedordetainedbyanygovernment,publicorpoliceauthority;- Coastalorrivererosion;- Damagecausedbychewing,scratching,tearing,denting,vomitingorfoulingbyyourpetswherethetotal

amountofallsuchclaimsduringtheperiodofinsuranceexceeds£5,000;- Damagecausedbyorconsistingofyounotreceivinggoodsorservicesyouhavepaidfor.

5 Pollution or contamination

Wewillnotcoveranyclaimorexpenseofanykindcauseddirectlyorindirectlybypollutionorcontaminationotherthancausedbyasudden,identifiable,unintendedandunexpectedincidentwhichtakesplaceinitsentiretyataspecificmomentintimeandplaceduringtheperiodofinsurance.

Allpollutionorcontamination,whicharisesoutofoneincident,shallbedeemedtohaveoccurredatthetimesuchincidenttakesplace.

6 Date recognition

(ThisexclusiondoesnotapplytotheLegalexpensesorTravelsectionswhereaseparateexclusionapplies)

Wewillnotcoverdamagetoany:- computerorotherelectricalequipmentcontainingamicrochiporintegratedcircuitoranycomponentpart

insuredbyus;and- computerrecords,programs,discs,softwareortheinformationcontainedonthem;whichiscaused,atanytime,byafailureofanypropertyinsuredbyustorecognise,accept,processorrespondtoanydateasitstruecalendardateorafailuretocontinuetofunctioncorrectlybeyondthatdate.

22 POLICYDOCUMENT

7 Indirect loss

Wewillnotpayforanyindirectlosseswhichresultfromtheincidentthatcausedyoutoclaim,exceptasspecificallyprovidedforunderthispolicy.

8 Electronic risks

(ApplicabletoanysectionorpartofsectioninsuringdamagetopropertyorbusinessinterruptionotherthantheCybersection).

Definition specific to this exclusion

Virus or similar mechanismmeansprogramcode,programminginstructionoranysetofinstructionsintentionallyconstructedwiththeabilitytodamage,interferewithorotherwiseadverselyaffectcomputerprograms,datafilesoroperations,whetherinvolvingselfreplicationornot.VirusorsimilarmechanismincludesbutisnotlimitedtoTrojanhorses,wormsorlogicbombs.

Wewillnotcoverdamage:1. todata,orcorruptionofdata,exceptasspecificallyprovidedforelsewhereinthispolicy;2. causedbyorarisingfromunauthorisedaccesstoanycomputerorcomputerrelatedequipmentorsystem,or

byunauthorisedappropriationofdataorbytheunauthoriseduse,modificationortransmissionofdata;3. arisingoutofanymisinterpretationofdata,theuseormisuseofdataoranyoperatorerrorinrespectofdata;4. arisingfromthetransmissionorimpactofanyvirusor similar mechanism;5. arisingfrominterruptionoforinterferencewithanyelectronicmeansofcommunicationincludingthe

performanceofanywebsite;6. arisingfromthefailureorinabilitywhetherintermsofavailability,functionality,performanceorotherwiseofany

computerorcomputerrelatedequipmenttooperateatanytimeasrequired.

POLICYDOCUMENT 23

What is covered

Thissectionofthepolicyprovidesinsuranceagainstdamagetoyourbuildingsortenant’s improvementsduringtheperiodofinsuranceunlessstatedotherwiseinourpolicyoranexclusionapplies.

How we will pay your claim

Wewillpayuptothesuminsuredshownforbuildingsasdetailedintheschedule.

Providedtheworkiscarriedoutwithoutdelaywewillpaythecostforyoutoeitherrepairorrebuildasnewthedamagedpartofthebuildingsusingreinstatement techniques and materials.However,ifyouandweagreethatitisnotreasonabletorepairthebuildings usingreinstatement techniques and materials,wewillpayyouanamountwhichwebothagreeisfair.

Fortenant's improvementswewilldecidewhethertoreplaceorrepairthedamagedparts.

Ifthebuildingsarenotinagoodstateofrepairatthetimeoftheloss,wewillreducetheamountwewillpaytotakeintoaccountwearandtear.

Underthissectionwewillalsopaythefollowingcosts:1. architects',surveyors’,engineers’andotherprofessionals'reasonableandnecessaryfees;2. thecostofdemolishingthebuildings,supportingthebuildings,removingdebrisandmakingthesitesafe;3. thecostofkeepingtolocalauthorityorotherlegalconditionsmadeafterthedamage.

Wewillnotpayforthecostofpreparingaclaim.

Reinstatement of sum insuredUnlessweadviseotherwisewithin30daysofyoureportinganydamagetous,weagreetoreinstateyoursumsinsuredfromthedateuponwhichrepairorreplacementhasbeencompleted.Thisisprovidedyoucarryoutourrequirementstopreventfurtherdamage.

Extended replacement costIfyouhavehadavaluationbyoursurveyor,orbyanindependentprofessionalvaluerwhichwehaveacceptedinwriting,andyouhavesetyoursumsinsuredaccordingly,wewillpaythefullcostofrepairingorrebuildingthebuildingsevenifthisamountisgreaterthanthesuminsuredshowninyourschedule.Thiscoverwillonlybeprovidedifyoutellusaboutanyrefurbishmentsorextensionsyouhavemadetothebuildingssincethevaluationwasconductedandyouamendthesuminsuredtoaccountforthis.

Thiswillalsoapplyifyouarewaitingforourvaluationandinthemeantimethesuminsuredhasbeenbaseduponanalternativevaluationwhichwehaveapprovedinwritingbutsubjecttoourfurthervaluation.Thisisprovidedyouagreetothesumsinsuredandpremiumbeingamended,fromthepolicystartdate,inlinewithourvaluationoncethisisavailable.

Wehavetherightnottoacceptanalternativevaluationunderthetermsofthiscover.

Excess waiverWewillwaiveanyexcessof£1,000orlesswhereyour claimexceeds£10,000.

Index LinkingWewilladjustthesuminsuredforbuildingsandtenants’ improvementsinlinewiththeHouseRebuildingCostIndex(preparedbytheRoyalInstitutionofCharteredSurveyors)oranalternativeindex.

1 Buildings (Yourschedulewillshowifthissectionapplies)

24 POLICYDOCUMENT

Wewillnotchargeyouforincreasesmadetothesumsinsuredafterindexlinking.However,attheendofeachperiodofinsurance,therenewalpremiumwillbebasedontheadjustedsumsinsured.

Index-linkingwillcontinuefromthedateofthedamageuntiltheresultingclaimissettled.

Other Covers

This section also covers the following:

1 Temporary accommodation and loss of rent

1. Ifyourhomecannotbelivedinfollowingdamageinsuredunderthissection,wewillpayfor:a. thereasonablecostoftemporaryaccommodationforyouandyourdomestic staff wholivewithyou;b. thecostoftemporarilystoringyourfurnitureandforre-housingyourpets,horsesorponiesuntilyour

homeisfittoliveinagain;c. rentincludinggroundrentwhichyoustillhavetopayandisnotrecoverableelsewhere;ord. lossofanyrentyouwouldhavebeenpaid.

2. Ifalocalauthoritypreventsyoufromlivinginyourhomeasaresultof:a. anemergencyevacuation;orb. aneighbouringpropertybeingdamagedbyanydamageinsuredbythissection;wewillpaythereasonablecostofyournecessaryalternativeaccommodation.

Wewillpayfortheaboveforuptofiveyearsundercover1.andforuptooneyearundercover2.SubjecttoanoverallmaximumpaymentforTemporaryaccommodationandlossofrentunderallsectionsofthispolicyof£1,000,000.

2 Archaeological costs

Withourconsentwewillpaytheon-sitecostsofarchaeologicalrescuework(includingtherecordingofstandingandcollapsedfabricanddamagedfloorsurfacesbutnottheexcavationofbelowgrounddeposits)necessarilyandreasonablyincurredtorecordinformationwhichwouldotherwisebelostasaresultofdamagetothebuildings.

Wewillnotpayfor:1. thecostsofanyarchaeologicalresearchworkwhichmaybeenabledorfacilitatedasaresultofdamagebut

whichisnotanecessarypartoftheprocessofrepairorrebuilding;2. thecostsofanalysisofdatasubsequenttoarchaeologicalrescuework(exceptinsofarassuchcostsarea

necessaryandintegralpartoftheprocessofrepairorrebuilding);3. thecostsofconservationorscientificanalysisofmaterialsorobjectsretrievedinthecourseofan

archaeologicalexercise.

Themostwewillpayis£250,000anyoneclaim.

3 Damage to services

Accidentaldamagetoservicepipes,cables,sewersanddrainsservingyourhomeforwhichyouarelegallyresponsible.Thisincludesthecostofclearingblockages.

4 Locating a leak

Thecostsandexpensesnecessarilyandreasonablyincurredbyyouwithourconsentinlocatingthesourceofaleakageofgas,oilorwateratyourhomeandthesubsequentrepairofdamagecausedbylocatingthesourceforwhichyouarelegallyresponsible.

POLICYDOCUMENT 25

5 Trees, plants and shrubs

1. Wewillpayfordamagetoyourtrees,plantsorshrubsexcludingdamagecausedbystormorflood,weightofsnow,frostoranimals.

Themostwewillpayis£2,500peritemand£50,000intotalforallclaimsinanyoneperiodofinsurance.

2. Wewillpayforthecostofremovingtrees,branches,fences,telegraphpoles,lamppostsorpylonswhichhavefalleninthegroundsofyourhomefollowingastorm.

Themostwewillpayis£500peritemand£5,000intotalforallclaimsinanyoneperiodofinsurance.

6 Construction materials

Wewillpayfordamagetobuildingwork,materials,suppliesandotherpermanentstructuresforwhichyouarelegallyresponsiblethatareusedinbuilding,conversion,renovation,extension,repairormaintenancetoyourbuildings.

Wewillonlyinsurebuildingworks,materialsandsupplieswhilelocatedwithinthegroundsofyourhome.

ProvidedthatyoucomplywithGeneralCondition14relatingtothenotificationofworkestimatedtoexceed£125,000.

Themostwewillpayis£125,000anyoneclaim.

Wewillnotpayfor:

1. fixtures and fittingsmorespecificallyinsuredunderOthercovers14ofthissection;2. constructionmaterialswhicharetheresponsibilityof,orareinsuredby,thecontractororsub-contractor;3. damagewheremorespecificinsuranceisinplace.

7 Environmental upgrades

If,followinginsureddamageunderthissection,youchoosetoinstallasolar,windorgeothermalpowergeneratingsystemaspartoftherepair,wewillpaytowardsthecostofinstallingthis,aslongas:

1. damagetotheheatingsystematyour homeispartofthedamagewe haveagreedtopayfor;and2. thedamagewehaveagreedtopayforismorethan£10,000;and3. atthetimeofthedamagethereisnosolar,windorgeothermalpowergeneratingsysteminstalledatyour

home.

Themostwewillpayforallclaimsinanyoneperiodofinsuranceis10%ofthetotalcostoftherepairsfortherelevantdamageor£5,000,whicheveristheless.

8 Environmental expenses

Ifwepayunderthissectionfordamagetosolarpanelsorwindturbineswhicharefixedtothebuildingsandusedfordomesticpurposes,wewillalsopayfor:1. theincreaseinyourenergyexpensesifitisnecessaryforyoutopurchaseallofyourelectricalpowerfroma

powerutilitycompany;and2. thelossofincomewhichwouldhavebeenpayabletoyoufromyourenergysupplierhadthedamagenot

occurred.Wewillonlydothisprovidingyouproceedtorepairorreplacethesolarpanelsorwindturbinesfollowingthedamage.

Themostwewillpayis£5,000forallclaimsinanyoneperiodofinsurance.

26 POLICYDOCUMENT

9 Oil decontamination

Wewillpaythecostofdecontaminatingthegroundsofyour homefollowinganidentifiable,unintendedandunexpecteddischargeofoilfromastoragetankusedfortheheatingsystematyourhome.

Themostwe willpayis5%ofthebuildingssuminsuredor£50,000,whicheveristheless,forallclaimsinanyoneperiodofinsurance.

10 Locks and keys

Ifyoulosethekeystoyourhomeortoanysafeoralarminyourhome,orthekeysarestolen,wewillpayforreasonableandnecessarycostsofgainingaccesstoyourhomeandrepairingorreplacingthekeysorlocks.Thereisnoexcessforthiscover.Wewillonlypayaclaimunderonesectionofthispolicyforeachclaim.

11 Security upgrade

Wewillpaysubjecttoourprioragreementforthecostofupgradingyourhome'salarmandphysicalprotectionsfollowingathreattoyouorathreatmadeinthecourseofanaggravatedburglary,acriminalassaultoracarjackingoccurringwithinthegeographical limits.

Subjecttoanoverallmaximumpaymentforsecurityupgradesunderallsectionsofthispolicyof£15,000.

12 Trespassing and fly tipping

Wewillpayforcostsandexpensesincurredbyyouinremovinganythingillegallyormaliciouslydepositedatyourhome oritsgrounds,butwewillnotpayforpollutionorcontaminationofanyproperty,land,waterorair.Thiscoverwillnotapplyifyourhomeisunoccupied.

Themostwewillpayforallclaimsis£15,000intotalinanyoneperiodofinsurance.

13 Loss prevention

Ifweagreeyourclaimfordamagecausedbyescapeofwater,fire,floodorstormwewillalsopaytowardsthecostofimprovementsintendedtomitigateorpreventafutureoccurrenceofthesamedamage.Wewillonlydothisiftheclaimweagreetopayforthedamageismorethan£10,000.

Subjecttoanoverallmaximumpaymentforlosspreventionunderallsectionsofthispolicyof£5,000.

14 New fixtures and fittings

Wewillincreasethesuminsuredforbuildingsforanynewfixtures and fittingsthathavebeeninstalledatyourhomeprovidedyouadviseuswithin60daysfromthedateofdeliveryofthematerialsandpaythefulladditionalpremiumfromthedatedelivered.

Themostwewillpayis30%ofthebuildingssuminsuredor£250,000,whicheveristheless.

POLICYDOCUMENT 27

15 Temporary removal of fixtures and fittings

Wewillcoverunderthissectionpermanentfixtures and fittingswhilsttheyareremovedfromthebuildingsforupto60daysforrepair,restorationorsafekeeping.

Themostwe willpayis30%ofthebuildingssuminsuredor£250,000,whicheveristheless,forallclaimsinanyoneperiodofinsurance.

Wewillnotpayforfixtures and fittingsleftinunattendedvehiclesunless:

1. thevehicleislockedatallpointsofaccessandalarmed;2. therearevisiblesignsofforcibleorviolententrytothevehicle;3. thepropertyisoutofsightinalockedcompartmentorlockedbootwithinthevehicle.

16 Damage by emergency services

Damageatanypartofyourhomeincludingitsgroundscausedbytheemergencyservices(withtheexceptionofpoliceraids)incircumstanceswheresuchdamagewouldnototherwiseformpartofavalidclaimunderthissection.

Thisincludesdamagewhichoccurswhentheemergencyservicesarerespondingtopotentialdangertopropertyorinjurytopersons.

17 Selling your home

Ifyourhomeisnotinsuredelsewhere,thepersonbuyingyourhomewillhavethebenefitoftheinsuranceunderthissectionfortheperiodfromexchangeofcontracts(orifinScotlandthewrittenofferandacceptance)untilthesaleiscompleted.

What is not covered

Inadditiontothegeneralexclusionsonpages20to22,thefollowingextraexclusionsapplytothissection:1. Damagecausedbystormorfloodtogates,fencesorhedgesand/orthecostofremovinganytree,branch,

fence,telegraphpole,lamppostorpylon.However,wewillpayfortheremovalofanytree,branch,fence,telegraphpole,lamppostorpylonifthisisnecessarytocarryoutrepairstothemainbuildingoroutbuilding,ifdamagedatthesametime.

2. Damagecausedbywateroroilescapingfromanyfixedwaterorheatingsystem,washingmachine,dishwasher,refrigerator,freezer,waterbedorfishtankwhileyourhomeisunoccupiedunlessyoukeepyourhomeheatedthroughoutataminimumconstanttemperatureof10degreesCelsiusoryoushutoffanddrainfixedwatertanks,apparatusandpipes.

3. Damagecausedbysubsidence,heaveorlandslip:a. toswimmingpools,tenniscourts,paths,drives,terraces,patios,walls,fences,hedgesorgates(unlessthe

mainbuildingofyourhomeisdamagedatthesametime);orb. tosolidfloorslabsordamageresultingfromtheslabsmoving(unlessthefoundationsbeneaththe

outsidewallsofthemainbuildingaredamagedatthesametime);orc. resultingfromsettlement,shrinkageorexpansion;ord. causedbynewstructuresornewlymade-upgroundsettlingorbeddingdown;ore. resultingfromdemolishing,alteringorrepairingthehome;orf. wherecompensationisprovidedbylaw.

4. Theamountofanyexcessshowninyourschedule unlessstatedotherwise.5. Wewillnotmakeanyextrapaymentforareductioninthemarket valuefollowingarepair,reinstatement,or

replacementpaidforunderthissection.

28 POLICYDOCUMENT

What is covered

Thissectionofthepolicyprovidesinsuranceagainstdamageanywhereintheworldtoyourcontentsownedbyyouorforwhichyouarelegallyresponsibleduringtheperiodofinsuranceunlessstatedotherwiseinourpolicy,oranexclusionapplies.

How we will pay your claim

Atouroption,wewilleitherrepairtheitemorpaythecostofreplacingtheitemasnew.

Reinstatement of sum insuredThemostwewillpayisthesuminsured,dependingonanyspecificlimitshowninthispolicy or your schedule.Unlessweadviseotherwisewithin30daysofyoureportingthedamagetous,weagreetoreinstateyoursumsinsuredfromthedateuponwhichrepairorreplacementhasbeencompleted.Thisisprovidedyoucarryoutourrequirementstopreventfurtherdamage.

Extended replacement costIfyouhavehadanindependentprofessionalvaluationthatislessthanthreeyearsoldatthetimeoftheclaimwhichwehaveacceptedinwriting,andyouhavesetyoursumsinsuredaccordingly,wewillpaythefullcostofrepairingorreplacingthecontentsevenifthisamountisgreaterthanthesuminsuredshowninyourschedule.Thiscoverwillonlybeprovidedifyoutellusaboutanychangesyouhavemadetothecontentssincethevaluationwasconductedandyouamendthesuminsuredtoaccountforthis.

Themostwewillpayisanadditional25%ofthecontentssuminsuredor£250,000,whicheveristheless,intotalforanyoneclaim.

Wehavetherightnottoacceptanalternativevaluationunderthetermsofthiscover.

Excess waiverWewillwaiveanyexcessof£1,000orlesswhereyour claimexceeds£10,000.

Inner limitsFordamagetothefollowingtypesofcontents,wewillnotpaymorethanthelimitsshownbelowforanyoneclaim.Thelimitsshownarepartofthetotalsuminsuredforcontentsanddonotincreasethesuminsuredofanyotheritemcoveredelsewhereinthispolicy.- personal valuables£5,000- watercraft £7,500- trailersandnon-motorisedhorseboxes£10,000- garden statues(thatarenotasdefinedunderbuildingsorart and antiques)£10,000- quadbikes,golfbuggiesorcarts£10,000- digitalmusic,videoandphotographs£10,000- office contents£20,000

Index LinkingWewilladjustthesuminsuredinlinewiththeConsumerDurablesSectionoftheRetailPriceIndex(preparedbytheGovernment)oranalternativeindex.

Wewillnotchargeyouforincreasesmadetothesumsinsuredafterindexlinking.However,attheendofeachperiodofinsurancetherenewalpremiumwillbebasedontheadjustedsumsinsured.

Index-linkingwillcontinuefromthedateofthedamageuntiltheresultingclaimissettled.

2 Contents (Yourschedulewillshowifthissectionapplies)

POLICYDOCUMENT 29

Other Covers

This section also covers the following:

1 Temporary accommodation and loss of rent

1. Ifyourhomecannotbelivedinfollowingdamageinsuredunderthissection,wewillpayfor:a. thereasonablecostoftemporaryaccommodationforyouandyourdomestic staffwholivewithyou;b. thecostoftemporarilystoringyourfurnitureandforre-housingyourpets,horsesorponiesuntilyour

homeisfittoliveinagain;c. rentincludinggroundrentwhichyoustillhavetopayandisnotrecoverableelsewhere;ord. lossofanyrentyouwouldhavebeenpaid.

2. Ifalocalauthoritypreventsyoufromlivinginyourhomeasaresultof:a. anemergencyevacuation;orb. aneighbouringpropertybeingdamagedbyanydamageinsuredbythissection;

wewillpaythereasonablecostofyournecessaryalternativeaccommodation.

Wewillpayfortheaboveforuptofiveyearsundercover1.andforuptooneyearundercover2.SubjecttoanoverallmaximumpaymentforTemporaryaccommodationandlossofrentunderallsectionsofthispolicyof£1,000,000.

2 Student contents away from the home

Wewillpayforanydamagetoyourcontentswhilstlivingawayfromhomeandattendinguniversity,college,orboardingschoolorwhilstonaworkplacementaspartofyourcourseorstudies.

Themostwewillpayis10%ofyour contentssuminsuredor£50,000anyoneclaim,whicheveristheless.

3 Contents in Care Homes

Wewillpayforanydamagetocontentsofanymemberofyourimmediatefamilywhilsttheyareresidentinacarehome.

Themostwewillpayis10%ofyour contentssuminsuredor£50,000anyoneclaim,whicheveristheless.

4 Personal effects belonging to guests or domestic staff

Wewillcoverdamageduringtheperiodofinsurancetothepersonaleffectsofyourprivateguestsanddomestic staffinthehomeshownonyourschedule.Thiscoverexcludesdamagetotheirpersonal valuables,creditordebitcards,money,oritemsthatareinsuredelsewhere.

Themostwewillpayis£10,000anyoneclaim.

5 Hired marquees

Duringthehireperiodwewillcoveranydamagetoamarqueewhichissituatedatyourhomeandforwhichyouhaveacceptedresponsibility,providednootherinsuranceapplies.

Themarqueemustbeinstalledbythehirecompanyaccordingtothemanufacturer’sinstructions.

Themostwewillpayis£50,000anyoneclaim.

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6 Locks and keys

Ifyoulosethekeystoyourhomeortoanysafeoralarminyourhome,orthekeysarestolen,wewillpayforreasonableandnecessarycostsofgainingaccesstoyourhomeandrepairingorreplacingthekeysorlocks.Thereisnoexcessforthiscover.Wewillonlypayaclaimunderonesectionofthispolicyforeachclaim.

7 Security upgrade

Wewillpaysubjecttoourprioragreementforthecostofupgradingyourhome'salarmandphysicalprotectionsfollowingathreattoyouorathreatmadeinthecourseofanaggravatedburglary,acriminalassaultoracarjackingoccurringwithinthegeographical limits.

Subjecttoanoverallmaximumpaymentforsecurityupgradesunderallsectionsofthispolicyof£15,000.

8 Loss of oil, gas and water

Wewillpayfor:1. lossofoil,gasormeteredwaterfromthewaterorheatingsystemafteraccidentaldamagetothatsystem;2. theftofoilfromanystoragetankusedfortheheatingsystematyourhome;

Themostwewillpayundereachparagraph1.or2.is£25,000anyoneclaim.

9 Documents and personal data

Fordamagecoveredbythissection,wewillpaythenecessarycostsinvolvedin:1. preparinganypersonaldocumentsandnewtitledeedstoyourhomeiftheoriginalsarelostordamaged

whilethedeedsareinyourhome,abankorasafedeposit;2. retrievingyourpersonaldatafromyourcomputer.

Themostwewillpayundereachparagraph1.or2.is£15,000anyoneclaim.

10 Credit cards and money

Wewillinsureyouagainstlossandtheftofyour moneyandcreditanddebitcardsanywhereintheworldduringtheperiodofinsurance.

Formoney,themostwewillpayis£7,500foranyoneclaimunlessthemoneyiscontainedinalockedsafeinthebuildingswhenthelimitisincreasedto£10,000anyoneclaim.

Forcreditanddebitcards,coverisprovidedforanyamountsyouareliabletopayifyourcardshavebeenusedwithoutyourpermissionaftertheyhavebeenlostorstolen,providedallthetermsunderwhichthecardswereissuedhavebeenfollowed.Forcreditcardsyourcardprovidermaycoverallcostsover£100resultingfromunauthorisedtransactions.

Themostwewillpayis£30,000anyoneclaim.

11 Freezer Contents

Wewillpayforthecostofreplacingspoiledcontentsinrefrigeratorsandfreezersinyour homecausedbyaccidentalfailureoftheunitinwhichthesearecontained.

Wewillalsopaythecostofhiringatemporaryrefrigeratororfreezerifthisisnecessary.

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12 New contents

Wewillallowanincreasetocoveranyitemsofcontentsyouacquireduringtheperiodofinsurance.

Providedthatyouadviseuswithin60daysfromthedateofpurchaseandpaythefulladditionalpremiumfromthedateacquired.

Themostwe willpayis30%ofthetotalsuminsuredforcontentsor£250,000,whicheveristheless.

13 Loss prevention

Ifweagreeyourclaimfordamagecausedbytheescapeofwater,fire,floodorstormwewillalsopaytowardsthecostofimprovementsintendedtomitigateorpreventafutureoccurrenceofthesamedamage.Wewillonlydothisiftheclaimweagreetopayfordamageismorethan£10,000.

Subjecttoanoverallmaximumpaymentforlosspreventionunderallsectionsofthispolicyof£5,000.

14 Memorial headstones

Wewillpayfordamagetomemorialheadstonesorplaquesofyourimmediatefamilywithinthegeographical limits.

Themostwewillpayis£5,000anyoneclaim.

15 Trees, plants and shrubs

Wewillpayfordamagetoyourpottedtrees,pottedplantsorpottedshrubsexcludingdamagecausedbystormorflood,weightofsnow,frostoranimals.

Themostwewillpayis£2,500peritemand£50,000intotalforallclaimsinanyoneperiodofinsurance.

Business cover

This cover only applies if you have requested the cover and it is noted on your schedule.

Wewillprovidethefollowingcoverforabusinesswhichyourunfromyourhome,thiscoverappliesonlyandinsofarasthebusinessnotedonyourschedule.

Business contentsCoverforcontentsisextendedtoincludebusiness contentsyouownorleasewhileatyourhomeoranywhereintheworld,uptothelimitagreedandnotedinyourschedule.

Business moneyWewillinsureyouagainstlossandtheftofyourbusiness moneyanywhereintheworlduptothefollowingamounts:1. lossofbusiness moneyexcludingcash,bankorcurrencynotes,limit£100,000;2. lossofcash,bankorcurrencynotesusedforbusinesspurposeswhileinthebuildingsorindirecttransittoa

bankorinabanknightsafesubjecttoalimitof£7,500unlesscontainedinalockedsafeinthebuildingswhenthelimitisincreasedto£10,000;

3. lossofbusiness moneyduetomisappropriation,deceptionorfalseaccountingbyemployeesauthorisedtohandlemoney,discoveredwithin14daysofitsoccurrence,uptoalimitanyonepersonof£2,000andintotalinanyoneperiodofinsurance£5,000;

4. thereplacementorrepairofanybusinesssafeinthebuildingsfollowingdamagebytheftorattemptedtheft.

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Wewillnotpayfor:a. lossduetoitemsbeingconfiscatedorlosingvalueandmistakesinreceipts,paymentsoraccounting;b. lossfromanyunattendedvehicle;c. lossarisingfromfraudordishonestyotherthanasprovidedforunder3.above.

Business interruptionBusinessinterruptioncoverisincludedasfollows:

1. Lossofincome IfthebusinessisinterruptedfollowingdamageforwhichwehaveacceptedaclaimundertheBuildingsor

Contentssection,wewillpayfortheamountofincomeyouloseinconnectionwiththebusiness,solelyinconsequenceofthedamageanduptoamaximumperiodof12months.

Wewilldeductfromtheclaimanysavingsyoumakeinrespectoftheexpensesofthebusinesswhichstoporarereducedbecauseofthedamage.

Themostwewillpayunderthisparagraphis£50,000unlessstatedotherwiseinyourschedule.

2. Additionalexpenditure Wewillpayforyouradditionalcostsnecessarilyandreasonablyincurredforthesolepurposeofreducinga

lossofincomeasinsuredunder1,butnotexceedingthereductioninincomeavoided.

Themostwewillpayunderthisparagraphis£50,000unlessstatedotherwiseinyourschedule.

3. Businessdata IfwehaveacceptedaclaimfordamagetocomputerequipmentundertheContentssection,wewillalsopay

forthenecessarycostsofreconstitutingyourbusinessrecordsandelectronicdata,providedthisisnecessarytocontinueyourbusiness.

Wewillnotpayforthevaluetoyouofthelostinformation.

Themostwewillpayis£15,000forallclaimsintotalinanyoneperiodofinsurance.

4. Preventionofaccess Wewillpayunder1.or2.aboveforyourlossofincomeoradditionalexpenditurefollowingdamageunder

theBuildingsandContentssection,topropertyinthevicinityofyourhomewhichhindersorpreventsaccesstoyourhome,whetheryourhomeisdamagedornot.

5. Lossoftelephone,electricity,gasorwater Wewillpayforyourlossofincomeoradditionalexpenditurefollowingaccidentalfailureof:

- thetelephonesystemservingyourhome;or- theelectricity,gasorwatersuppliesatthepointofconnectiontoyourhome.

Wewillnotpayfor:a. anysuchfailureoflessthan30minutes;orb. failureduetothedeliberateactofthetelephoneorsupplyauthoritiesorasaresultofstrikesorother

industrialaction.

Themostwewillpayis£5,000anyoneclaim.

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6. Bookdebts Wewillpayforoutstandingdebitbalancesnotestablishedortracedasaresultofdamageunderthe

BuildingsorContentssection,withadditionalcostsnecessarilyandreasonablyincurredforthesolepurposeoftracingandestablishingoutstandingbalances(butnotexceedingtheestimatedamountofthedebitbalancestobetraced).

Wewillnotpayforlossesarisingfrommisfiling,mislaying,erasure,distortion,deliberatefalsificationofbusinessrecordsorfrombaddebts.

Themostwewillpayis£10,000anyoneclaim.

7. Professionalaccountants’charges Wewillpayforprofessionalaccountants’orauditors’chargesreasonablyincurredforproducingandcertifying

detailsofanyclaimunderthissectionaswemayrequire.

What is not covered

Inadditiontothegeneralexclusionsonpages20to22,thefollowingextraexclusionsapplytothissection.1. Damagecausedbywaterescapingfromanyfixedwaterorheatingsystem,washingmachine,dishwasher,

refrigerator,freezer,waterbedorfishtankinyourhomewhileyourhomeisunoccupiedunlessyoukeepyourhomeheatedthroughoutataminimumconstanttemperatureof10degreesCelsiusoryoushutoffanddrainfixedwatertanks,apparatusandpipes.

2. PropertyinsuredundertheArt,antiquesandpersonalvaluablessection.3. Theamountofanyexcessshowninyourscheduleunlessstatedotherwise.4. Wewillnotmakeanyextrapaymentforareductioninthemarket valuefollowingarepair,reinstatementor

replacementpaidforunderthissection.5. Quadbikesbeingusedbyanypersonunder17yearsold.6. Wewillnotpayforcontentsleftinunattendedvehiclesunless:

a. thevehicleislockedatallpointsofaccessandalarmed;b. therearevisiblesignsofforcibleandviolententrytothevehicle;c. thecontentsareoutofsightinalockedcompartmentorlockedbootwithinthevehicle.

34 POLICYDOCUMENT

What is covered

Wewillpayfordamagetoart and antiquesandpersonal valuablesownedbyyouorforwhichyouarelegallyresponsible,happeninganywhereintheworldandduringtheperiodofinsuranceunlessstatedotherwiseinthepolicy,oranexclusionapplies.

Singleitemsofart and antiquesworthmorethan£30,000andsingleitemsofpersonal valuablesworthmorethan£17,500mustbespecifiedindividuallyonyour schedule.

How we will pay your claim

Specified itemsFordamageofitemswhichareindividuallylistedinanindependentprofessionalvaluation,andyoursumsinsuredreflectthisvaluation,wewillpaytheamountshownforthoseitemsinthevaluation.

Unspecified itemsFordamageofitemswhicharenotindividuallylistedinanindependentprofessionalvaluation,wewillpaythemarket valueimmediatelypriortothedamageorthereplacementcostoftheitems,butinnocaseexceedingthesuminsuredforunspecifieditems.Themostwewillpayforanyoneunspecifieditem,pairorsetis:- £30,000forart and antiques- £17,500forpersonal valuables

Extended replacement costIfyouholdanindependentprofessionalvaluationthatislessthanthreeyearsoldatthetimeoftheclaim,andyoursumsinsuredreflectthisvaluation,weagreetoinsureanyitemsincludedinthevaluationonanextendedreplacementbasis.Thismeansthatwewillpaythevalueoftheitematthetimeofthedamageevenifitismorethanthevalueshownintheindependentprofessionalvaluation.

Forart and antiquesThemostwewillpayisanadditional50%ofthevalueshownforeachindividualitemandinnocasewillwepaymorethananadditional£500,000intotalforanyoneclaim.

Thisincludesincreasestothevalueofartfollowingthedeathoftheartistduringtheperiodofinsuranceprovidingthatyoucanprovetheincreaseinvaluewithanindependentprofessionalvaluation.

Forpersonal valuablesThemostwewillpayisanadditional50%ofthevalueshownforeachindividualitemandinnocasewillwepaymorethananadditional£100,000intotalforanyoneclaim.

Partial damageIntheeventofpartialdamagetoanyitemwewillpaythecostofrepairplusanyresultingdepreciationbutnotexceedingtheamountwewouldhavepaidundertheabovelimits.

Excess waiverWewillwaiveanyexcessof£1,000orlesswhereyour claimexceeds£10,000.

Matching itemsIfanyitemswhichhaveanincreasedvaluebecausetheyformpartofapairorsetarelostordamaged,anypaymentwemakewilltakeaccountofthelossinoverallvalue.

3 Art,antiquesandpersonalvaluables (Yourschedulewillshowifthissectionapplies)

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SalvageIntheeventofatotallossclaimforanyitem,oncewehavepaidyourclaimwemaytakepossessionandownershipofthedamageditem.YoumustcomplywithGeneralCondition7point2.c.whenyoudisposeofanyitem.

Recovered propertyIfwerecoveranyofyourpropertyafterwehavepaidaclaim,wewillcontactyouandyoucanbuyitbackfromuswithin60days.Wewillcharge:1. theamountwepaidforyourclaim,lossadjustmentandrecoveryexpenses;or2. themarket valueoftheitematthetimewerecoverit;whicheverisless.

Other Covers

This section also covers the following:

1 New acquisitions

Fornewacquisitionsofart and antiquesandpersonal valuables youacquireduringtheperiodofinsurance,wewillautomaticallyprovidecoverfordamage,providedyouadviseuswithin60daysfromthedateofthepurchaseandpaythefulladditionalpremiumfromthedateacquired.

Themostwewillpayforallclaimsinanyoneperiodofinsurancefor:1. art and antiquesis30%ofthetotalofthesuminsuredunderthissectionor£2,500,000,whicheveristheless;2. personal valuablesis30%ofthetotalofthesuminsuredunderthissectionor£250,000,whicheveristheless.

Ifyoudonotnotifyuswithinthetimescaleallowed,wereservetherightnottoinsuretheitem(s)concerned.

2 Defective title

Ifanotherpartyclaimsthatanitemofart and antiquesisnotrightfullyyoursandyouarerequiredtoreturntheitemtoitsrightfulownerortopaydamagesbecauseitisprovedthatyoudonothavegoodtitletoit,wewillpayyoutheamountyoupaidfortheitemorthevalueoftheitemshowninthemostrecentvaluationyouhold,whicheveristheless.

Wewillonlydothisif:1. thepurchasewasmadeafterthedateyoufirstinsuredyourart and antiqueswithusunderthispolicy;2. theclaimismadeagainstyouduringtheperiodofinsurance;3. youmadereasonableenquiriesabouttheitem'sprovenancebeforeyouboughtit,andpurchaseditingood

faith.

Themostwewillpayintotalforallclaimsduringanyoneperiodofinsuranceis£100,000.

3 Restoration and repair

Ifart and antiquesareinsuredandaredamagedbyaprofessionalconservator,restorerorframerwewillpaythereasonablecostofrepairandanydepreciationdirectlycausedbythedamage.

Providedthatourliabilityunderthisextensionshallnotexceedthesuminsuredfortheindividualpieceofart and antiquesbeingrestored.

36 POLICYDOCUMENT

4 Emergency evacuation

Thereasonablecostwithouragreementofmovingyourart and antiquesandpersonal valuablestoandfrom,andkeepingthemin,securestorageif:1. yourhomebecomesuninhabitableduetosuddendamagetoyourhome;or2. astatutoryorregulatorybodyprohibitsoccupationoruseofyourhome;untileitherthedamageisrectifiedorthelocalauthorityallowsyoutooccupyyourhomeagain.

5 Work in progress

Wewillcoveruncompletedworksofartandjewellerybyanartistcommissionedbyyouwhicharedamagedpriortocompletion,orwhichcannotbecompletedduetotheartist'sdeathduringtheperiodofinsurance.Wewillpayforthecostsyouhaveincurredforthematerialsandsuppliesfortheartistandthecontractedcostsforlabour.

Foranyoneclaimwewillnotpaymorethantheamountofnon-recoverabledepositsorthefullcommissionpriceifpre-paid.

Themostwewillpayunderthiscoverforallclaimsinanyoneperiodofinsuranceis£50,000.

What is not covered

Inadditiontothegeneralexclusionsonpages20to22,thefollowingextraexclusionsapplytothissection.

1. Damagecausedbywaterescapingfromanyfixedwaterorheatingsystem,washingmachine,dishwasher,refrigerator,freezer,waterbedorfishtankinyourhomewhileyourhomeisunoccupiedunlessyoukeepyourhomeheatedthroughoutataminimumconstanttemperatureof10degreesCelsiusoryoushutoffanddrainfixedwatertanks,apparatusandpipes.

2. Theamountofanyexcessshowninyourscheduleunlessstatedotherwise.3. Damagetoaniteminsuredunderthissectionwhileintransitunlessitissecurelyandadequatelypacked

giventhenatureoftheitemandhowitisbeingtransported.4. Wewillnotpayfor art and antiquesandpersonal valuablesleftinunattendedvehiclesunless:

a. thevehicleislockedatallpointsofaccessandalarmed;b. therearevisiblesignsofforcibleandviolententrytothevehicle;c. theart and antiquesandpersonal valuablesareoutofsightinalockedcompartmentorlockedboot

withinthevehicle.

POLICYDOCUMENT 37

Definitions

ThefollowingdefinitionsapplytotheCybercoversection:

Computer virusmeansanymalware,programcodeorprogramminginstructiondesignedtodamage home systems.

Cyber eventmeans1. maliciousdeletion,corruption,unauthorisedaccessto,ortheftofdata;or2. damage ordisruptioncausedbycomputer virus,hacking ordenial of service attack;affectingyour home systems.

Damagemeanstotalorpartialloss,damage,destruction,orcorruption.

Damagesmeans1. financialcompensationyou havetopay,exceptforfines,penalties,liquidateddamages(contractual

penalties),punitiveorexemplarydamages(extradamagestopunishyou)oraggravateddamages(moreseveredamagestoreflecttheseriousnessofanoffence);or

2. thirdparties’costsandexpensesyou havetopayasaresultofaclaimbeingbroughtagainstyou.

Datameansfacts,concepts,information,ideas,text,recordingsandimageswhichareconvertedtoaformwhichcanbeprocessedbyhome systems,butnotincludingsoftwareandprograms.

Defence costsmeanscostsandexpensesweagreetoinwritingforinvestigating,settlingordefendingaclaimagainstyou.

Denial of service attackmeansmaliciousandunauthorisedattackwhichoverloadsanyhome systems.

Hackingmeansunauthorisedormaliciousaccesstoanyhome systems byelectronicmeans.

Home systemsmeansanypersonalcomputingorelectronicdevicethatconnectstotheinternetortootherelectronicdevicesandanyassociateddata,softwareandprograms.

Period of insurancemeanstheperiodoftime,asshownintheschedule,duringwhichyou arecoveredbythepolicy,unlessitiscancelled.

Personal datameansinformationwhichcouldidentifyyou orallowyour identitytobestolenorfraudtotakeplaceonyou.

Sum insuredmeanstheamountshownintheschedule.

4 Cyber (Theschedulewillshowifthissectionappliesandthe coverinforce)

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You/yourmeanstheperson(s)showninthescheduleandallpermanentmembersofthatperson’shome,includinganyemployeeswholiveinthehome whosedutiesarefordomesticpurposesrelatingtothehome anditsgardens.

For'Whatiscovered'3Cyberonlineliability,you meanstheperson(s)showninthescheduleandallmembersofthatperson’sfamilywhopermanentlyliveatthehome.

How we will pay your claim

Themostwewillpayforallclaimsweacceptunderthispolicyintotalfortheperiod of insurance isthesum insured,regardlessofthenumberofclaims.

Ifthereismorethanonepersonnamedintheschedule,thetotalamountwewillpayfollowingaclaimwillnotexceedtheamountwewouldbeliabletopaytoanyoneofyou.

DefencecostsAnydefence costs wepaywillbeincludedwithin,notinadditionto,thesum insured.

PayingoutthesuminsuredForanyandallclaimsarisingfortheperiod of insurance wemaypaythefullsum insured thatapplies.

Whenwehavepaidthefullsum insured,wewillnotpayanyfurtheramountsforanyclaimsorforassociateddefence costs.

What is covered

1 Cyber home systems damage (This cover automatically applies)

Wewillpayforthefollowingarisingasaresultofacyber event you discoverduringtheperiod of insurance:

1. HomesystemsrestorationThecostofinvestigating,reconfiguringandrectifyinganydamage toyour home systems,andrestoringdata(butnotthecosttorecreatedata ifyou cannotrestoreitfromothersources).Thisdoesnotincludethevalueofdata toyou,evenifthedata cannotberestored.

2. ComputervirusremovalThecostoflocatingandremovingacomputer virus fromyour home systems;and

3. ProfessionalassistanceThecostofhiringprofessionalconsultantstomakerecommendationsonhowtopreventyour home systemsfrombeinginfectedbycomputer virus ortopreventhacking.

2 Cyber crime (This cover only applies if shown in your schedule)

Wewillpayforthefollowingwhichyou discoverduringtheperiod of insurance:

1. FraudYour financiallossastheresultofafraudulentcommunicationorinput,destructionormodificationofdata inyour home systems whichresultsin:a. moneybeingtakenfromanyaccount;b. goods,services,propertyorfinancialbenefitbeingtransferred;orc. anycreditarrangementbeingmade;aslongasyou havenotreceivedanybenefitinreturn.

POLICYDOCUMENT 39

Wewillalsopaythecostofprovingthattransactionsarefraudulentandthatcontractsoragreementswereenteredintofraudulently.

2. TelephonehackingYour liabilitytomakeanypaymenttoyour telephoneserviceproviderastheresultofhacking intoyour home systems.

3. CyberransomThecostofresponding,andwithourwrittenagreementthepaymentofaransomdemand,ifanyonehasorthreatensto:a. disruptyour home systems byintroducingacomputer virus,ortoinitiateahacking attackordenial of

service attack againstyou;b. release,publish,corrupt,deleteoralteryour data ifthiswouldcauseyou harmordamageyour reputation;aslongasyou candemonstratethatyou havereasonablegroundstobelievethatthethreatisnotahoax,andyou havereportedittothepolice.

4. IdentitytheftassistanceThecostofidentitytheftassistance,andmonitoringyourcreditrecords,tohelpyou tocorrectyour creditrecordsandtotakebackcontrolofyour identityfollowingthefraudulentuseofyour personal data.

3 Cyber online liability (This cover only applies if shown in your schedule)

Wewillpaydamages anddefence costs arisingfromaclaimfirstmadeagainstyou byathirdpartyduringtheperiod of insurance astheresultof:

1. DataprivacyYou failingtosecure,orpreventunauthorisedaccessto,publicationoforuseofdata (includinganyinadvertentinterferencewithanyrighttoprivacyorpublicityorbreachofconfidence);

2. ComputervirustransmissionYou unintentionallytransmitting,orfailingtopreventorrestrictthetransmissionof,acomputer virus,hacking attackordenial of service attack fromyour home systems toathirdparty;or

3. DefamationandDisparagementLossofreputation(includingthatofaproduct)orintellectualpropertyrightsbeingbreachedasaresultofyour activitiesonline.

Conditions

1. Reportingaclaim

Assoonasyou knowaboutanyincidentorcircumstancethatmayresultinaclaimagainstyou oraclaimunderyour policyyou must:a. takeallreasonablestepsandprecautionstopreventfurtherdamageorotherlosscoveredbyyour policy;b. immediatelytellthepoliceaboutanylossordamagerelatingtocrimeandgetacrimereferencenumber;c. tellthepersonwhoarrangedyour policy(orus),providingfulldetails,assoonaftertheincidentor

circumstancesaspossible;d. tellthepersonwhoarrangedyour policy(orus),providingfulldetails,within14daysinthecaseofyou

knowingaboutanincidentorcircumstancethathasresultedinormayresultinyou receivingaclaimagainstyou.

40 POLICYDOCUMENT

Inadditionyou mustalso:i. immediatelysenduseveryletter,writ,summonsorotherdocumentyou receiveinconnectionwiththe

claimorcircumstance,andrecordallinformationrelatingtoaclaimagainstyou coveredunder'Whatiscovered'3-‘Cyberonlineliability’;

ii. keepanydamagedhome systems andotherevidence,andallowustoinspectit;iii. co-operatewithusfullyandprovidealltheinformationweneedtoinvestigateyour claimor

circumstance;iv. giveusdetailsofanyotherinsurancesyou mayhavewhichmaycoverlosscoveredbythispolicy;v. attempttorecoverfinanciallossrelatingtoyour claimunder'Whatiscovered'2-Cybercrimefroma

bankorotherfinancialinstitutionthatmayberesponsibleforrefundingallorpartoftheloss;andvi. tellusifyou recovermoneyfromathirdpartyinrelationtoaclaim(you mayneedtogivethemoneyto

us).

You mustnotadmitresponsibilityorliability,oragreetopayanymoneyorprovideanyservicesonourbehalf,withoutourwrittenpermission.

2. Protectingdata

You mustmakesurethatyou takeprecautionsfordisposingofanddestroyinghome systems inordertoprotectdata.

3. Controllingdefence

Wecan,butdonothaveto,takecontrolofinvestigating,settlingordefendinganyclaimmadeagainstyou.Wewouldtakethisactioninyour name.Ifnecessary,wewillappointanadjuster,solicitororanyotherappropriatepersontodealwiththeclaim.Wemayappointyour solicitor,butonlyonafeebasissimilartothatofourownsolicitor,andonlyforworkdonewithourpermissioninwriting.Wewillonlydefendclaimsifwethinkthatthereisareasonablechanceofbeingsuccessful,andaftertakingthecostsofthedefenceintoaccount.

4. Reasonablecare

Youmust:a. makesurethatyour home systems areusedandmaintainedasrecommendedbythemanufacturer orsupplier;andb. takeallreasonablestepsandprecautionstopreventorreducedamage orotherlosscoveredbyyour

policy.

5. Defencesoftware

Your home systems mustbeprotectedbyanti-virussoftware,whereavailable,whichisupdatedregularlyinaccordancewiththeprovider’srecommendations.

6. Correctinformation

You mustgiveuscorrectinformation.Ifyou failtodosoand:a. your failurewasdeliberateorreckless,wewilltreatyour policyasifitneverexisted,refuseallclaims

andkeepanypremiumyou havepaid.Ifyour failureoccursduringachangetoyour policywewillterminateyour policyfromthedateofthatchange,refusesubsequentclaimsandkeepanypremiumyou havepaid.

b. your failurewascarelessandwewouldnothaveissuedyour policyhadyou toldusthecorrectinformation,wewilltreatyour policyasifitneverexistedandreturnanypremiumyou havepaid.Ifyour failureoccursduringachangetoyour policywewilltreatyour policyasthoughthechangewasnotmadeandwhereappropriatereturnanyadditionalpremiumchargedforthechange.You maywanttocancelyour policyifitdoesnotmeetyour needs(see‘Yourrightstocancelyourpolicy’).

POLICYDOCUMENT 41

c. your failurewascarelessandwewouldhaveinsuredyou ondifferenttermshadyou givenuscorrectinformation,wewill;i. alterthetermsofyour policytothosewewouldhaveimposed(otherthanthoserelatingto

premium);andii. reducetheamountpaidorpayableonanyclaiminproportiontotheamountofadditionalpremium

wewouldhavecharged.

What is not covered

Inadditiontothegeneralexclusionsonpages20to22,thefollowingextraexclusionsapplytothissection.

1. Advancefeefraud Anadvancefeefraudorotherfraudwhereyou providemoneybasedonanexpectationofreceivingatsome

futuretimealargeramountofmoneyorsomethingwithagreatervaluethanthemoneyprovided.2. Businessactivities Anyactivitiescarriedoutbyyou forbusinessorprofessionalpurposes.3. Circumstancesbefore your policystarted

a. Circumstanceswhichexistedbeforeanycoverprovidedbyyour policystarted,andwhichyou knewabout;

b. Claimsorcircumstanceswhichyou havealreadyreported,orwhichyou shouldhavereported,toapreviousinsurerbeforetheperiod of insurance.

4. Excess Theamountspecifiedasthe‘Excess’intheschedule.5. Externalnetworkfailure Failureorinterruptionofanyelectricalpowersupplynetworkortelecommunicationnetworknotownedand

operatedbyyou.Thisexclusionshallnotapplytoanycostorlosscausedbyorresultingfromphysicaldamage,ifotherwiseinsuredbyyour policy,totheelectricalpowersupplynetwork,telecommunicationnetworkorotherproperty.

Telecommunicationnetworksinclude,butarenotlimitedto,theinternet,internetserviceproviders,DomainNameSystemserviceproviders,cableandwirelessproviders,internetexchangeproviders,searchengineproviders,internetprotocolnetworks(andsimilarnetworksthatmayhavedifferentdesignations)andotherprovidersoftelecommunicationsorinternetinfrastructure.

6. Maliciousdefamation Defamatoryordisparagingstatementsorpublicationsmademaliciouslyanddeliberatelyifitcouldbe

anticipatedbyareasonablepersonthatthestatementscouldresultinaclaimagainstyou.7. Otherinsuredparties Anydisputeorclaimbetweenyou.8. Patent Infringementofanypatent.

42 POLICYDOCUMENT

Definitions

ThefollowingdefinitionsapplytotheLiabilitiescover:

Asbestosmeansasbestos,asbestosfibresoranyderivativesofasbestosincludinganyproductcontaininganyasbestos,asbestosfibresoranyderivativesofasbestos.

Bodily injurymeansbodilyinjury,death,diseaseorillness.

Employed personmeansanyemployeeorpersonsuppliedtoorhiredorborrowedbyyouoronyourbehalforanyvolunteer,workexperiencestudentoryouthtrainingschemeparticipantactingunderyourdirectcontrolandsupervisionwhilstengagedinyour business.

Event(s)meansanyoneoccurrenceorseriesofoccurrencesarisingoutoforattributabletoonesourceororiginalcause.

Legal costsmeans:1. claimant'scostsandexpensesrecoverablefromyou inrespectofanyclaimwhichisthesubjectmatter

ofindemnityunderthissectionofthepolicy.2. a. thecostsoflegalrepresentationat:

i. anycoroner'sinquestorinquiryinrespectofanydeath;ii. proceedingsinanycourtarisingoutofanyallegedbreachofstatutoryduty;whichmaybethesubjectofindemnityunderthissectionofthepolicy;

b. allothercostsandexpensesinrelationtoanymatterwhichmayformthesubjectofaclaimforindemnityunderthissectionofthepolicy;

incurredwithour priorwrittenconsent.

Pollution or contaminationmeansbodilyinjury ordamage directlyorindirectlycausedbyorarisingoutofpollutionorcontaminationofbuildingsorotherstructuresorofwater,landortheatmosphere.

Productsmeansgoods(includingcontainersandpackaging)notinyourcustodyorcontrolsold,supplied,installed,erected,serviced,repaired,alteredortreatedbyyouinconnectionwithyour business.

Anyerrorinthesale,supplyorpresentationofsuchgoodsisincludedinthisdefinition.

How we will pay your claim

Wewillpayuptothelimitofindemnityshownbeloworinyour schedulewhicheveristhelessandinclusiveoflegal costs.

Themostwewillpayfor:1. anyoneevent;2. alleventshappeningduringanyperiodofinsurancecausedbyproducts;3. alleventsarisingfrompollution or contaminationwhichwedeemtohaveoccurredduringanyperiodof

insurance;

5 Liabilities (Theschedulewillshowifthissectionappliesandthe coverinforce)

POLICYDOCUMENT 43

4. anyoneeventwhichisdirectlyorindirectlycausedby,resultsfromorisinconnectionwithterrorism;shallnotexceedthelimitofindemnityshownintheschedule.

What is covered

1 Property owner’s liability

Thiscoverwillonlyapplyifyouhaveyour buildingsinsuredundertheBuildingssection.

Wewillindemnifyyouagainstyourlegalliabilitytopaydamagesandlegal costs arisingoutofbodily injuryoraccidentaldamagetomaterialpropertyhappeningduringtheperiodofinsuranceandcausedinconnectionwith:

1. youowningthehomeanditslandwithinthegeographical limits;2. anyhomeyouusedtoownwithinthegeographical limits,whichhasbeensold,butwhichyouhaveliability

forunderSection3oftheDefectivePremisesAct1972orSection5oftheDefectivePremises(NorthernIreland)Order1975aslongasnootherinsurancecoversthisliability.

Noindemnitywillbeprovidedfor:1. anyprofession,businessoremploymentinvolvingyou;2. thecostofremedyinganydefectorallegeddefectinthepremisesdisposedof.

Limitofindemnity:£10,000,000.

2 Tenant’s liability

Thiscoverwillonlyapplyifyouhaveyour contentsinsuredundertheContentssection.

Wewillindemnifyyouuptothelimitofindemnityagainstyourlegalliabilitytopaydamagesandlegal costs astenantofyourhomewithinthegeographical limitsfordamagetoyourlandlord’spropertyhappeningduringtheperiodofinsurance,ifsuchdamagewouldbecoveredundertheBuildingsorContentssectionofthispolicy,ifyouownedtheproperty.

Noindemnitywillbeprovidedfor:1. liabilitywhicharisesoutofanycontractunlessyouwouldhavebeenliableifthecontracthadnotexisted;2. liabilitywhicharisesfromanagreementtomaintaininforceinsuranceagainstlossofordamagetothe

propertyandtheirfixtures,fittingsorcontents;3. damagetopropertybelongingto,heldintrustorcontrolledbyyou.

Limitofindemnity:£10,000,000.

3 Occupier’s and personal liability

Thiscoverwillonlyapplyifyouhaveyour contentsinsuredundertheContentssection.

Wewillindemnifyyouagainstyourlegalliabilitytopaydamagesandlegal costs arisingoutofaccidentalbodily injuryoraccidentalphysicaldamagetomaterialpropertyhappeningduringtheperiodofinsuranceandarising:1. solelyfromyouroccupationofthebuildingsanditslandwithinthegeographical limits;2. your occupationofanyotherbuilding,caravanorboathiredorborrowedandusedbyyouastemporary

holidayaccommodation;

44 POLICYDOCUMENT

3. solelyinapersonalcapacity;4. asanemployerofanydomestic staff;5. inconnectionwithincidental business.

Noindemnitywillbeprovidedinrespectof(a) bodily injurytopersonsorphysicaldamagetomaterialpropertywhichhappensintheUnitedStateof

AmericaorCanadaifyouhavestayedinbothoreitherofthesecountriesformorethan90daysinanyoneperiodofinsurance

(b) bodily injurytoanyemployed person

Limitofindemnity:£10,000,000.

4 Unpaid damages

Whereajudgementfordamageshasbeenobtainedbyyou inapersonalcapacityduringtheperiodofinsurancebyanycourtinthegeographical limitsforbodily injuryorphysicaldamagetomaterialpropertyandyouhavenotreceivedthefullamountofanydamagesandcostsawardedwithinthreemonths,wewillpaytheamountyouareowed.

Limitofindemnity:£5,000,000.

Thiscoverappliesaslongas:1. theeventwhichresultsinthedamagesoccurswithintheperiodofinsurance;2. theeventdidnotoccurinthecourseofyourbusinessoranyotherprofession,businessoroccupation;3. thereisnoappealoutstanding;4. youallowustotakeactioninyour nametorecoveranypaymentsandyourepaytousanypayment

subsequentlyrecoveredbyorpaidtoyou.

5 Additional land (including newly-acquired land)

Thiscoverwillonlyapplyifyouhaveyour buildingsinsuredundertheBuildingssection.

Wewillindemnifyyou againstyourlegalliabilitytopaydamagesandlegal costs arisingoutofbodily injurytopersonsoraccidentalphysicaldamagetomaterialpropertyhappeninganywhereinthegeographical limitsduringtheperiodofinsuranceandcausedinconnectionwith:

1. yourownershipoflandwhichyouhavetoldusaboutandwhichwehaveacceptedinwritinganddoesnotformpartofyourbuildings;

2. anynewlandwhichyoutakeownershipofintheperiodofinsuranceprovidedyounotifyuswithin60daysoftheacquisitionandpaythefulladditionalpremiumfromthedateacquired.

Limitofindemnity:£5,000,000.

Noindemnitywillbeprovidedforanylandacquiredforpropertydevelopmentorforanybusinesspurpose.

Business liability Cover

These covers only apply if you have requested the cover and your schedule will show which covers you have selected.

ThefollowingdefinitionsapplytoBusinessliabilitycover:

POLICYDOCUMENT 45

Principalmeansanyparty(otherthanadirector,trustee,partneroremployeeofyours)onwhosebehalfyouareundertakingwork(excludingthesaleorsupplyofproducts)inconnectionwithyour business.

You, your, yoursmeansthepeoplenamedasinsuredinthescheduleandtheirfamilywhonormallylivewiththemandyourpersonalrepresentativesinrespectoflegalliabilityincurredbyyou.

Unlesswespecificallystateotherwisewewillalsoindemnify:1. atyourrequest:

a. anyprincipal;b. anydirector,trustee,partneroremployed personofyours;inrespectofliabilityforwhichyouwouldhavebeenentitledtoindemnityhadtheclaimbeenmadeagainstyou;

2. anydirector,trustee,partneroremployeeofyoursinrespectofprivateworkcarriedoutwithyourpriorconsentbyanemployed personforsuchdirector,trustee,partneroremployee.

6 Employers’ Liability

We willindemnifyyou againstyour legalliabilitytopaydamagesandlegal costs in respect ofbodily injury toanemployed person causedduringtheperiodofinsuranceandarisingoutofandinthecourseoftheiremploymentwithyou:1. withinthegeographical limits;2. whiletemporarilyoutsidetheseterritories.

Limitofindemnity:£5,000,000anyoneeventwhichisdirectlyorindirectlycausedby,resultsfrom,orisinconnectionwithterrorism.£10,000,000anyotheroneevent.

Wewillnotpayforanyliabilityforbodily injuryforwhichyouarerequiredtoarrangemotorinsuranceorsecurityinaccordancewithanyroadtrafficlegislationwithintheEuropeanUnion.

7 Public and products liability

Wewillindemnifyyouagainstyourlegalliabilitytopaydamagesandlegal costsarisingoutofaccidentalbodily injurytoanypersonoraccidentalphysicaldamagetomaterialpropertyhappeningduringtheperiodofinsuranceandcausedeitherinconnectionwiththebusiness orbyproducts.

Limitofindemnity:£10,000,000.

Noindemnitywillbeprovidedfor:1. bodily injurytoanemployed person;2. advicedesignorspecificationprovidedforafeeorforwhichafeewouldnormallybecharged;3. damagetopropertybelongingtoyouorheldinyourtrust,custodyorcontrolbutthisexclusionshallnotapply

topersonaleffectsincludingvehiclesandtheircontentsbelongingtoemployeesorvisitors;4. themakinggood,replacementorreinstatementofanyproductsuppliedbyyougivingrisetoaclaim.

Public and products liability extensions

Cross liabilitiesIfyouconsistofmorethanoneparty(andinthecaseofpartnershipsshallmeaneachindividualpartner)wewillindemnifyeachpartyinthetermsofthispolicyagainstliabilityincurredtotheotherinthesamemannerandtothesameextentasifaseparatepolicyhadbeenissuedtoeachsubjecttothemaximumamountpayableinrespectofdamagesarisingoutofoneevent notexceedingthelimitofindemnity.

46 POLICYDOCUMENT

Contingent motor liabilityNotwithstanding‘Whatisnotcovered’8.onpage49regardingmotorvehicleswewillindemnifyyoualoneinrespectoflegalliabilityforbodily injuryordamagearisingoutoftheusebyanyemployeeinthecourseofthebusinessofanymechanicallypropelledvehiclewhichisneitherownedbynorprovidedbyyou.

Noindemnitywillbeprovidedfor:1. damagetosuchvehicleoranypropertycontainedorbeingtransportedinit;2. bodily injuryordamagearisingwhilethevehicleisbeingdrivenbyyouoranypersonwhotoyourknowledge

doesnotholdalicencetodrivesuchavehicle(unlesstheyhaveheldandarenotdisqualifiedforholdingorobtainingsuchalicence);

3. circumstanceswhereyouareentitledtoindemnityunderanyotherinsurance;4. bodily injuryordamagearisingoutsidethegeographical limits.

Data protection

Definition specific to this extension

Data protection legislationmeanstheDataProtectionAct2018oranysubsequentlegislationthatspecificallyreplacesthisact.

We willindemnifyyou againstyour:1. legalliabilitytopaydamagesandlegal costs formaterialandnon-materialdamage;2. defencecostsandprosecutioncostsawardedagainstyou;resultingfromanybreachorallegedbreachofdata protection legislation happeningduringtheperiodofinsurancearisingoutoftheconductofyour business.

Noindemnitywillbeprovidedfor:1. thepaymentoffines,penalties,punitiveorexemplarydamages;2. thecostsofreplacing,reinstating,rectifying,erasing,blockingordestroyinganypersonaldata;3. liabilityarisingfromorcausedbyadeliberateorintentionalactoromissionbyyou;4. liabilityarisingoutofcircumstanceswhichmaygiverisetoaclaimorprosecutionwhichhavebeennotifiedto

oroughttohavebeennotifiedtopreviousinsurersorwhichwereknowntoyou attheinceptionofthisextension;

5. legalliabilitywhereindemnityisprovidedbyanyotherinsurance.

Intheeventthatanypolicyofinsuranceinforceimmediatelypriortothisextensionexpresslyprovidedcoverfordata protection legislation onthebasisofanindemnityforclaimsmadeduringtheperiodofinsurance,andintheeventthataclaimisfirstmadeagainstyou intheperiodofinsurance,inrespectofdata protection legislation thentheindemnityprovidedbythisextensionisextendedtoindemnifyyou providedthatwe shallnotbeliablefor:a. claimsnotinsuredbythisextension;b. anyclaimornoticenotifiedlaterthan28daysafterreceiptofsuchclaimornotice.

Thetotalamountwe willpayinrespectofcover1.shallnotexceed£10,000,000anyoneeventandforcover2.shallnotexceed£100,000anyoneeventandintheaggregateanyoneperiodofinsurance.

Prosecution defence costsWewillindemnifyyouinrespectof:1. legalcostsandexpensesincurredwithourwrittenconsent;2. costsawardedagainstyou;inconnectionwiththedefenceofanycriminalproceedingsoranappealagainstaconvictionarisingfromsuchproceedingsbroughtforabreachof:

a. theHealth&SafetyatWorketc.Act1974;b. PartIIoftheConsumerProtectionAct1987;

POLICYDOCUMENT 47

c. theFoodSafetyAct1990; allegedtohavebeencommittedduringtheperiodofinsuranceinconnectionwiththebusiness.

Limitofindemnity:£500,000.

Noindemnitywillbeprovided:1. whereindemnityisprovidedbyanyotherinsurance;2. incircumstanceswherebodily injuryordamagehasoccurredwhichmaybethesubjectofaclaimunder

eithertheemployers'liabilityorpublicliabilitycoversofthissection(apartfromthisextension);3. inrespectoffinesorpenaltiesofanykind;4. inrespectofanycostsexpensesorreimbursementsresultingfromanordermadeunderSection9or resultingfromanyRegulationinrespectofchargesunderSection45oftheFoodSafetyAct1990;5. wheretheproceedingshaveresultedfromanydeliberateactoromissionby:

a. youoranydirector,trustee,officer,committeememberorpartnerofyours;b. anyemployeeofyourswhohasspecificresponsibilityforcompliancewiththeabovelegislation;

whichcouldreasonablyhavebeenexpectedtoconstituteabreachoftheabovelegislation.

Corporate manslaughterWewillindemnifyyouinrespectoflegalcostsandexpensesincurredwithourpriorwrittenconsentinconnectionwiththedefenceofanycriminalproceedingsoranappealagainstconvictionwhicharisefromcriminalproceedingsforanyoffenceasdefinedinSection1oftheCorporateManslaughterandCorporateHomicideAct2007committedorallegedtohavebeencommittedduringtheperiodofinsuranceinthecourseofthebusiness.

Providedthat:1. ourliabilityunderthisextensionshallnotexceedthePublic&productsliabilitylimitofindemnity. Thislimitwillformpartofandnotbeinadditiontothelimitofindemnitystated;2. wherewehavealreadyprovidedanindemnityinrespectofanylegalcostsincurredinthedefenceofany

criminalproceedingsarisingoutofthesameeventwhichhasgivenrisetotheproceedingsinrespectofcorporatemanslaughterorcorporatehomicide,anyamountalreadypaidbyuswillbetakenintoaccountincalculatingourliabilityunderthisextension;

3. wemustconsentinwritingtotheappointmentofanysolicitororcounselwhoistoactforandonyourbehalf;4. anyappealcanonlycommenceifcounselhasadvisedthatitismorelikelyforanappealtobesuccessfulthan

not.

Limitofindemnity:£5,000,000.

Noindemnitywillbeprovided:1. whereindemnityfordefencecostsisavailablefromanyothersourceorisprovidedbyanyotherinsuranceor

where,butfortheexistenceofthisextension,indemnitywouldhavebeenprovidedbysuchothersourceorinsurance.

2. inrespectofanyproceedingswhichresultfromyourdeliberateactoromissionordeliberateactoromissionofanytrustees,managerialemployees,partners,directorsofyourswhileactingintheircorporatecapacityandwhichcouldreasonablyhavebeenexpectedhavingregardtothenatureandcircumstancesofsuchactoromission;

3. inrespectoffinesorpenaltiesofanykindincludingthecostsofremedialorpublicityordersorthestepsrequiredtobetakenbysuchorders.

48 POLICYDOCUMENT

Additional clean up costs

Definitions specific to this extension

Environmental legislationmeansanylegislationenactedwithintheUnitedKingdomgoverningthe:1. preventionandcontrolofpollutionandcontamination;2. protectionoftheenvironment.

Regulatory authoritymeansanystatutoryauthority,regulatororlegalbodywhichhasauthorityunderenvironmental legislationtolegallyrequireororderremediationortoconductremediationitselfandtorecoverthecostsofdoingsofromothers.

Remediationmeanstheminimumlevelofworksoroperationsnecessarilyconductedundertheprovisionsoftheenvironmental legislationtoinvestigate,treat,remove,disposeof,curtailorminimisepollutionbutthiswillnotincludeanyworksoroperations:1. toreinstate,reintroduceorrestorefloraorfauna;2. torestorenaturalhabitatsorspeciesprotectedbyenvironmental legislationortheservicesthatthose

naturalhabitatsorspeciesperform;3. whichimprovethestateorconditionoflandorwaterincomparisonwithitsstateorcondition

immediately; priortotheincidentthatcausedthepollution or contamination.

Wewillindemnifyyouagainstyourlegalliabilityinrespectofthecostof:1. remediationwhichyouarelegallyrequiredororderedtoconductbyaregulatory authority;2. reimbursingaregulatory authoritywhereremediationhasbeenconductedbyoronbehalfofthe

regulatory authority arisingfrompollution or contaminationcausedbyasudden,identifiable,unintendedandunexpectedincidentwhichtakesplaceinitsentiretyataspecificpointintimeandplaceduringtheperiodofinsuranceandinconnectionwiththebusiness.

Allpollution or contaminationwhicharisesoutofoneincidentshallbedeemedtohaveoccurredatthetimesuchincidenttakesplace.

Youshallbeliablefor10%ofthecostofanyclaimgivingrisetoindemnityunderthisextensionsubjecttoaminimumcontributionof£2,500.

Themaximumamountpayableunderthisextensionshallnotexceed£1,000,000intheaggregateinrespectofallincidentsoccurringduringtheperiodofinsurance.

Noindemnitywillbeprovidedinrespectoftheremovalordisposalofanywastedepositedbyyou oronyour behalf.

What is not covered

Inadditiontothegeneralexclusionsonpages20to22,thefollowingextraexclusionsapplytothissection:

1. damagetopropertybelongingto,heldintrustorcontrolledbyyou;2. thecostofremedyinganydefectorallegeddefectinpremisesdisposedof;

POLICYDOCUMENT 49

3. anyliabilityarisingdirectlyorindirectlyfrompollution or contaminationunlessthe pollution or contaminationiscausedbyasudden,identifiable,unintendedandunexpectedincidentwhichtakesplaceinitsentiretyataspecificmomentintimeandplaceduringtheperiodofinsurance.

Forthepurposesofthisexclusionallpollution or contaminationwhicharisesoutofoneincidentshallbedeemedtohaveoccurredatthetimesuchincidenttakesplace;

4. anyliabilityarisingfromproductsincorporatedin:a. anycraftdesignedtotravelthroughairorspace;b. anywaterbornecraftwhichcouldaffectitssafety,navigationorpropulsion;c. mechanicallypropelledvehicleswhichcouldaffecttheirsafety;d. gas,chemical,petrochemicalorpowergenerationplantwhichisdirectlyconnectedtomanufacture,

processing,storageorpowergeneration; andwhichhavebeenspecificallysuppliedbyyouforthatpurpose;5. anyliabilityarisingdirectlyorindirectlyfrommining,processing,manufacturing,removing,handling,disposing

of,treatmentof,distributingorstoringofasbestos. Howeverthisshallnotapplywhereremoving,handlingordisposingofasbestosdoesnotformpartofyour

usualbusinessoranycontractworkundertakenand:a. youhavecompliedwithanylegalobligationstomanageasbestos;b. anydiscoveryofasbestosbyyouisunintentionalandaccidental;c. whereupondiscoveryofasbestosallworkimmediatelystops;d. aHSElicensedasbestosremovalcontractorisemployedtomakesafetheareainwhichthediscoveryis

madeassoonasispracticableandwhohasEmployers’andPublicliabilityinsuranceinforcewhichprovideslimitsofindemnitynolessthanthoseprovidedbyyourpoliciesandwhichdonotexcludetheworktobecarriedout;

6. anyagreementyouhavemade,unlessyouwouldhavebeenliableevenwithouttheagreement;7. anyfinesorpenaltiesorpunitive,exemplary,aggravated,multipliedorliquidateddamages;8. youowningorusingmotor vehicles,caravans(otherthancaravanshiredorborrowedandusedbyyouas

temporaryholidayaccommodation)oranycraftdesignedtotravelin,onorthroughwater,airorspace(otherthanwatercraftwhilstoperatedoninlandwaterwaysorwithinthreemilesofthecoast);

9. theuseofquadbikesbyanypersonundertheageof17yearsold;10. theuseofquadbikesorwatercraftforracing,pace-making,trialsorcompetitions;11. anyliabilityarisingfromanydogspecifiedunderSection1oftheDangerousDogsAct1991orspecifiedin

theDangerousDogs(NorthernIreland)Order1991S.I.2292(N.1.21);12. damagetodata.

50 POLICYDOCUMENT

Guidance note

Thecoverunderthissectionhasbeenarrangedbyususingathirdpartyprovider,DASLegalExpensesInsuranceCompanyLimited(DAS).EcclesiasticalareresponsibleforpayinganyclaimsunderthissectionbutDASwilldealwithanyclaimsmattersandcorrespondenceonourbehalf.

TomakeaclaimunderthissectionpleasecallDASonthenumbershownonpage6ofthispolicy.DASwillaskyouaboutyourlegalissueandifnecessarycallyoubackatanagreedtimetogiveyoulegaladvice.

Ifyourissuecannotbedealtwiththroughlegaladviceandneedstobedealtwithasaclaimunderthissection,DASwillgiveyouaclaimreferencenumber.AtthispointDASwillnotbeabletotellyouwhetheryouarecoveredbuttheywillpasstheinformationyouhavegiventhemtotheirclaimshandlingteamsandexplainwhattodonext.

PleasedonotaskforhelpfromasolicitororaccountantbeforeDAShaveagreed,ifyoudo,wewillnotpaythecostsinvolvedevenifweacceptaclaim.

IfthereisadisagreementaboutthewayDAShandleaclaim,pleaserefertothecomplaintsprocedureonpage10ofthispolicy.

DAS Head and Registered Office:DASLegalExpensesInsuranceCompanyLimitedQuaySideTempleBackBristolBS16NH

RegisteredinEnglandandWalesnumber103274.Websitewww.das.co.ukDASLegalExpensesInsuranceCompanyLimitedisauthorisedbythePrudentialRegulationAuthorityandregulatedbytheFinancialConductAuthority(FRN202106)andthePrudentialRegulationAuthority.

DAS Law Limited Head and Registered Office: DASLawLimitedNorthQuayTempleBackBristolBS16FL

DASLawLimitedisauthorisedandregulatedbytheSolicitorsRegulationAuthority(registerednumber423113).

DAS Data Protection (applying to sections 6 and 9)

Inadditiontoanyotherdataprocessingnoticeprovidedinrelationtothispolicy,dataunderthispolicywillbeprocessedbyDASLegalExpensesInsuranceCompanyLimited(DAS),whoarecommittedtoprocessingyourpersonalinformationfairlyandtransparently.ThissectionisdesignedtoprovideabriefunderstandingofhowDAScollectandusethisinformation.

DASmaycollectyourpersonaldetails,includingyourname,address,dateofbirth,emailaddressand,onoccasion,dependentonthetypeofcoveryouhave,sensitiveinformationsuchasmedicalrecords.Thisisforthepurposeofmanagingyourproductsandservices,andthismayincludeunderwriting,claimshandlingandprovidinglegaladvice.DASwillonlyobtainyourpersonalinformationeitherdirectlyfromyou,thethirdpartydealingwithyourclaimorfromtheauthorisedpartnerwhosoldyouthepolicy.

6 Legalexpenses(Thissectionautomaticallyapplies)

POLICYDOCUMENT 51

Who DAS areDASispartofDASLegalExpensesInsuranceCompanyLimitedwhichispartofDASUKHoldingsLimited(DASUKGroup).TheusesofyourpersonaldatabyDASandmembersoftheDASUKGrouparecoveredbytheirindividualcompanyregistrationswiththeInformationCommissioner'sOffice.DAShasaDataProtectionOfficerwhocanbecontactedthroughdataprotection@das.co.uk.

How DAS will use your informationDASmayneedtosendyourinformationtootherparties,suchaslawyersorotherexperts,thecourt,insuranceintermediaries,insurancecompanies,appointedserviceproviders,specialistagenciessotheymaycontactyoutoaskforyourfeedback,ormembersoftheDASUKGroup.IfyourpolicyincludeslegaladviceDASmayhavetosendtheinformationoutsideoftheEuropeanEconomicArea(EEA)inordertogivelegaladviceonnon-EuropeanUnionlaw.Dependentonthetypeofcoveryouhave,yourinformationmayalsobesentoutsidetheEEAsotheserviceprovidercanadministeryourclaim.

DASwilltakeallstepsreasonablynecessarytoensurethatyourdataistreatedsecurelyandinaccordancewiththisPrivacyNotice.AnytransferoutsideoftheEEAwillbeencryptedusingSSLtechnology.

DASwillnotdiscloseyourpersonaldatatoanyotherpersonororganisationunlesstheyarerequiredtobytheirlegalandregulatoryobligations.Forexample,DASmayuseandshareyourdatawithotherorganisationsandpublicbodies,includingthepoliceandanti-fraudorganisations,forthepreventionanddetectionofcrime,includingfraudandfinancialsanctions.Iffalseorinaccurateinformationisprovidedandfraudisidentified,detailswillbepassedtofraudpreventionagenciestopreventfraudandmoneylaundering.Furtherdetailsexplaininghowtheinformationheldbyfraudpreventionagenciesmaybeusedcanbeobtainedbywritingto,ortelephoningDAS.Acopyisalsoaccessibleandcanbedownloadedviatheirwebsite.

What is DAS’ legal basis for processing your information? ItisnecessaryforDAStouseyourpersonalinformationtoperformtheirobligationsinaccordancewithanycontractthattheymayhavewithyou.Itisalsointheirlegitimateinteresttouseyourpersonalinformationfortheprovisionofservicesinrelationtoanycontractthatyoumayhavewiththem.

How long will your information be held for? DASwillretainyourpersonaldataforsevenyears.DASwillonlyretainandusepersonaldatathereafterasnecessarytocomplywiththeirlegalobligations,resolvedisputes,andenforcetheiragreements.IfyouwishtorequestthatDASnolongeruseyourpersonaldata,pleasecontactDASatdataprotection@das.co.uk.

What are your rights?Youhavethefollowingrightsinrelationtothehandlingofyourpersonaldata:• therighttoaccesspersonaldataheldaboutyou• therighttohaveinaccuraciescorrectedforpersonaldataheldaboutyou• therighttohavepersonaldataheldaboutyouerased• therighttoobjecttodirectmarketingbeingconductedbaseduponpersonaldataheldaboutyou• therighttorestricttheprocessingforpersonaldataheldaboutyou,includingautomateddecision-making• therighttodataportabilityforpersonaldataheldaboutyou

52 POLICYDOCUMENT

Anyrequests,questionsorobjectionsshouldbemadeinwritingtotheDataProtectionOfficer:

DataProtectionOfficerDASLegalExpensesInsuranceCompanyLimitedDASHouseQuaySideTempleBackBristolBS16NH

OrviaEmail:dataprotection@das.co.uk

How to make a complaint Iftheinsuredpersonisunhappywiththewayinwhichtheirpersonaldatahasbeenprocessed,theinsuredpersonmayinthefirstinstancecontacttheDataProtectionOfficerusingthecontactdetailsabove.

IftheinsuredpersonremainsdissatisfiedthentheyhavetherighttoapplydirectlytotheInformationCommissioner'sOfficeforadecision.TheInformationCommissionercanbecontactedat:

InformationCommissioner’sOfficeWycliffeHouseWaterLaneWilmslowCheshireSK95AF

www.ico.org.uk

Definitions

ThefollowingdefinitionsapplytotheLegalexpensescover.

Costs and expenses1. Legalcosts-allreasonableandnecessarycostschargedbytherepresentativeandagreedbyDASin

accordancewiththeDAS standard terms of appointment.2. Opponents’costs-thecostsincurredbyopponentsincivilcasesifyouhavebeenorderedtopaythem,

orpaythemwiththeagreementofDAS.3. CommunicationcostsinrespectofWhatiscovered10IdentityTheft-costsyouincurforphonecalls,

faxesorpostagetocommunicatewiththepolice,creditagencies,financial-serviceproviders,othercreditorsordebt-collectionagenciesandthecostofreplacementdocumentstohelprestoreyouridentityandcreditstatus.

Countries covered1. FortheinsuredincidentsofPersonalinjury,ClinicalnegligenceandContractdisputes: Worldwide2. Forallotherinsuredincidents: TheUnitedKingdomofGreatBritainandNorthernIreland,theIsleofManandtheChannelIslands.

DASDASLegalExpensesInsuranceCompanyLimited.

DAS standard terms of appointmentThetermsandconditions(includingtheamountwewillpaytoarepresentative)thatapplytotherelevanttypeofclaimwhichcould,dependingonthecircumstances,includeaconditionalfeeagreement(no-win,no-fee).Wherealawfirmisactingasarepresentativetheamountiscurrently£100perhour.Thisamountmayvaryfromtimetotime.

POLICYDOCUMENT 53

Date of occurrence1. Forcivilcasesthedateoftheeventwhichleadstotheclaim.Ifthereismorethanoneeventarisingat

differenttimesorfromthesameoriginatingcause,thenthedate of occurrenceisthedateofthefirstoftheseevents.(Thisisthedatetheeventhappenedwhichmaybebeforethedateyoufirstbecameawareofit.)

2. Forcriminalcases–thedatewhenyoubeganorareallegedtohavebegun,tobreakthecriminallawinquestion.

3. Fortaxprotection,thedate of occurrenceiswhenHMRevenue&Customsfirstnotifiesyouinwritingoftheirintentiontomakeanenquiry.

Identity theftThetheftorunauthoriseduseofyourpersonalidentification,whichhasresultedintheunlawfuluseofyour identity.

Period of insuranceTheperiodforwhichwehaveagreedtocoveryou.

Preferred law firmAlawfirmorbarristers’chambersDASchoosetoprovidelegalservices.TheselegalspecialistsarechosenastheyhavetheprovenexpertisetodealwithyourclaimandmustcomplywithDAS’agreedservicestandardlevels,whichDASauditregularly.TheyareappointedaccordingtotheDAS standard terms of appointment.

Reasonable prospectsForcivilcases,theprospectsthatyouwillrecoverlossesordamages(orobtainanyotherlegalremedythatDAShaveagreedto,includinganenforcementofjudgment),makeasuccessfuldefenceormakeasuccessfulappealordefenceofanappeal,mustbeatleast51%.DAS,orapreferred law firmontheirbehalf,willassesswhethertherearereasonable prospects.

RepresentativeThepreferred law firm,lawfirm,accountantorothersuitablyqualifiedpersonDASappointtoactonyourbehalf.

Secondary homePrivatedwellingandorprivatelandinthegeographical limitswhichisownedbyyou.

We, our, usEcclesiasticalInsuranceOfficeplcorDASLegalExpensesInsuranceCompanyLimitedactingonbehalfofEcclesiasticalInsuranceOfficeplc.

What is covered

Weagreetoprovidetheinsurancedescribedinthissectionprovidedthat:1. reasonable prospectsexistforthedurationoftheclaim;2. thedate of occurrenceoftheinsuredincidentisduringtheperiod of insurance;3. anylegalproceedingswillbedealtwithbyacourt,orotherbodywhichDASagreeto,withinthecountries

covered;and4. theinsuredincidenthappenswithinthecountries covered.

54 POLICYDOCUMENT

Wewillpayarepresentative,onyourbehalf,costs and expensesincurredfollowinganinsuredincident,providedthat:1. themostwewillpayforallclaimsresultingfromoneormoreeventarisingatthesametimeorfromthesame

originatingcauseis£100,000(£50,000inrespectofWhatiscovered11InheritanceDisputesand13DefectiveTitle);

2. themostwe willpayincosts and expenses isnomorethantheamountwe wouldhavepaidtoapreferred law firm.Theamountwe willpayalawfirm(whereactingasanappointed representative)iscurrently£100perhour.Thisamountmayvaryfromtimetotime.Ifyou decidenottousetheservicesofapreferred law firm,you willberesponsibleforanycoststhatfalloutsidetheDAS Standard Terms of Appointment andthesewillnotbepaidbyus;

3. inrespectofanappealorthedefenceofanappeal,youmusttellDASwithinthetimelimitsallowedthatyouwanttoappeal.Beforewepaythecosts and expensesforappeals,DASmustagreethatreasonable prospectsexist;

4. foranenforcementofjudgmenttorecovermoneyandinterestduetoyouafterasuccessfulclaimunderthissection,DASmustagreethatreasonable prospectsexist;and

5. whereanawardofdamagesistheonlylegalremedytoadisputeandthecostofpursuingthelegalactionislikelytobemorethananyawardofdamages,themostwewillpayincosts and expensesisthevalueofthelikelyaward.

1 Employment disputes

Wewillpaycosts and expensesforyourlegalrights;1. inadisputerelatingtoyouremploymentwhereyouareanemployee,workerorofficeholder;2. followingadisputerelatingtoorarisingfromthecontractofemploymentbetweenyouanddomestic

employees,ex-domesticemployeesorprospectivedomesticemployees;3. againstdomesticemployeesorex-domesticemployeestorecoverpossessionofpremisesyouownorare

responsiblefor.

Wewillnotpayforanyclaimrelatingtothefollowing:1. disciplinaryhearingsorinternalgrievanceprocedures;2. anyclaimrelatingsolelytopersonal injury;3. asettlementagreementwhileyouarestillemployed.

2 Contract disputes

Wewillpaycosts and expensesfor:1. yourlegalrightsinacontractualdisputearisingfromanagreementoranallegedagreementwhichyouhave

enteredintoinapersonalcapacityfor:a. buyingorhiringgoodsorservices;b. sellinggoods;

2. yourlegalrightsinadisputeormisrepresentationarisingfromanagreementorallegedagreementwhichyou haveenteredintoinapersonalcapacityforthebuyingorsellingofyourprincipalorsecondary home.

Wewillnotpayforanyclaimrelatingtothefollowing:1. acontractregardingyourprofession,businessoremployment;2. thesettlementpayableunderaninsurancepolicy;3. adisputearisingfromanyloan,mortgage,pension,investmentorborrowing;4. aleaseoflessthaneightyears,oralicenceortenancyoflandorbuildings.However,wedocoveradispute

withaprofessionaladviserinconnectionwiththedraftingofalease,licenceortenancyagreement.

POLICYDOCUMENT 55

3 Personal injury

Wewillpaycosts and expensesforyourlegalrightsfollowingaspecificorsuddenaccidentthatcausesyour deathorbodilyinjury.

Wewillnotpayforanyclaimrelatingtothefollowing:1. anyillnessorbodilyinjury,whichhappensgradually;2. clinicalnegligence(pleaserefertoInsuredincident4ClinicalNegligence);3. defendingyourlegalrightsotherthandefendingacounterclaim;4. psychologicalinjuryormentalillnessunlesstheconditionfollowsaspecificorsuddenaccidentthathas

causedphysicalbodilyinjurytoyou.

4 Clinical negligence

Wewillpaycosts and expensesforyourlegalrightsfollowinganidentifiednegligentactofsurgeryoridentifiednegligentclinicalormedicalprocedure,whichcausesdeathorbodilyinjurytoyou.

Wewillnotpayforanyclaimrelatingtothefollowing:1. thefailureorallegedfailuretocorrectlydiagnoseyourcondition;2. psychologicalinjuryormentalillnessthatisnotassociatedwithyouhavingsufferedphysicalbodilyinjury.

5 Property protection

Wewillpaycosts and expensesforyourlegalrightsinacivilactionand/orarrangemediationforadisputerelatingtomaterialpropertyyouown(includingyourprincipalandsecondary home)following:1. aneventwhichcausesphysicaldamagetosuchpropertyprovidedthattheamountindisputeismorethan

£100;2. anylegalnuisance(meaninganyunlawfulinterferencewithyouruseorenjoymentofyourland,orsomeright

over,orinconnectionwithit)ortrespass.

Pleasenoteyoumusthave,ortheremustbereasonableprospectsofestablishingyouhave,thelegalownershiporrighttothelandorpersonalpossessionsthatarethesubjectofthedispute.

Wewillnotpayfor:1. anyclaimrelatingto:

a. acontractenteredintobyyou;b. anybuildingorlandotherthanyourprincipalorsecondary home;c. someonelegallytakingyourmaterialpropertyfromyouwhetheryouareofferedmoneyornot,or

restrictionsorcontrolsplacedonyourmaterialpropertybyanygovernmentorpublicorlocalauthority;d. workdonebyoronbehalfofanygovernmentorpublicorlocalauthorityunlesstheclaimisforaccidental

physicaldamage;e. miningsubsidence;f. adversepossession(meaningtheoccupationofanybuildingorlandeitherbysomeonetryingtotake

possessionfromyouorforwhichyouaretryingtotakepossessionfollowingatleast10yearsofoccupancy);

g. theenforcementofacovenantbyoragainstyou(acovenantisaclauseinacontract,suchasadeedortransfer,relatingtoyourproperty);

2. defendinganyclaimrelatingtoaneventthatcausesphysicaldamagetomaterialpropertybutdefendingacounterclaimiscovered.

56 POLICYDOCUMENT

6 Planning application refusal appeals

WewillnegotiateonyourbehalffollowingtherefusaloftheLocalPlanningAuthoritytograntplanningpermissionfollowingyourrequestforplanningapproval.

Providedthat:1. themaximumwe willpayforplanningapplicationappealsis£5,000;2. you mustensureyou takeallreasonablestepstoensureplanningpermissionisgranted,suchasconsulting

withtheLocalAuthoritypriortosubmittingyour application;3. you mustexhausteveryalternativeoptiontosecureplanningapprovalpriortolaunchingaplanningapplication

appeal.

We willnotpayforclaimsarisingfromorrelatingtoplanningapplicationsyoumakewhicharenotforlandyoualreadyownatthesiteofyourprincipalhome.

7 Tax protection

Wewillpaycosts and expensesforacomprehensiveexaminationbyHMRevenue&Customsthatconsidersallareasofyourselfassessmenttaxreturn,butnotenquirieslimitedtooneormorespecificarea.

Wewillnotpayfor:1. anyclaimifyouareself-employed,orasole-trader,orinabusinesspartnership;2. aninvestigationorenquiriesbyHMRevenue&CustomsSpecialistInvestigationsortheHMRevenue&

CustomsProsecutionOffice.

8 Jury service and court attendance

Wewillcoveryourabsencefromwork:1. toattendanycourtortribunalattherequestoftherepresentative;or2. toperformjuryservice;or3. tocarryoutactivitiesspecifiedinyouridentitytheftactionplanunderinsuredincident10IdentityTheft.

Wewillnotpayforanyclaimifyouareunabletoproveyourloss.

Themaximumwewillpayisyournetsalaryorwagesforthetimethatyouareabsentfromworklessanyamountthecourtgivesyou.

9 Legal Defence

Wewillpaycosts and expensestodefendyourlegalrights:1. ifaneventarisingfromyourworkasanemployeeleadsto:

a. youbeingprosecutedinacourtofcriminaljurisdiction;b. civilactionbeingtakenagainstyouunder:

i. legislationforunlawfuldiscrimination;ii. dataprotectionlegislation;

2. ifaneventleadstoyourprosecutionforanoffenceconnectedwiththeuseordrivingofamotorvehicle.

Wewillnotpayforanyclaimrelatingto:1. parkingorobstructionoffences;2. drivingofamotorvehiclebyyouforwhichyoudonothavevalidmotorinsurance;3. anyclaimresultingfromhacking(unauthorisedaccess)orothertypeofcyberattackaffectingstoredpersonal

data.

POLICYDOCUMENT 57

10 Identity Theft

Identitytheftsupportservice

Followingacalltotheidentitythefthelplineservice,wewillhelptorestoreyouridentityandcreditstatusifyouhavebecomeavictimofidentity theft.Wewillassignapersonalcaseworkerwhowillprovidephoneadviceandapersonalactionplantohelpregainyouridentity.

Legalcosts

Followingyouridentity theft:1. wewillpaycosts and expensesandcommunication coststoreinstateyouridentityincludingcostsforthe

signingofstatutorydeclarationsorsimilardocuments;2. wewilldefendyourlegalrightsinadisputewithdebtcollectorsoranypartypursuinglegalactionagainstyou

arisingfromorrelatingtoidentity theft;3. wewillpayloan-rejectionfeesandanyre-applicationadministrationfeeforaloanwhenyouroriginal

applicationhasbeenrejected.

Providedthat:1. younotifybanksandbuildingsocietiesassoonaspossible;and2. youtakeallreasonableactiontopreventcontinuedunauthoriseduseofyouridentity;and3. youinformDASifyouhavepreviouslysufferedidentity theft.

Wewillnotpayfor:1. fraudcommittedbyyouoranotherpersonwhoiscoveredbythispolicy,underthissection;2. lossesarisingfromyourbusinessactivities.

11 Inheritance Disputes

Wewillpaycosts and expensesupto£50,000tonegotiateforyourlegalrightsinadisputeconcerningaUnitedKingdombasedassetlefttoyou,orwhichyoubelieveyouareentitledto,pursuanttoawillortheintestacyrulesrelatingtoanestate.

We willnotpayforaclaimrelatingtothefollowing:1. AnydisputewithHMRC;2. Anymedicalorforensicdisbursementsincurred;3. Aclaimwhereyouareanexecutorofawillaspartofyourbusinessactivities,tradeoremployment;4. Anydisputeforanitemthathasnomonetaryvalue.

Providedthatyouareabeneficiary,executor(otherthanasdescribedunderexclusion3.above),potentialclaimantorcreditortotheestate.

12 Education Admission Appeals

Wewillpaycosts and expensestonegotiateforyourlegalrights:1. inanappealagainstarefusaltoadmityourchildtotheirchoseneducationalestablishment;2. inadisputearisingfromthetemporaryexclusionorpermanentexpulsionofyourchildfromtheireducational

establishment.

58 POLICYDOCUMENT

13 Defective title

Wewillpaycosts and expensesupto£50,000todefendyourlegalrightsinadisputearisingfromyour ownershipofanitemofartandantiqueswhereanotherpartyclaimsyoudonotholdgoodtitletoit.

Providedthat:1. youhavemadethepurchaseoftheitemwithintheUnitedKingdomfromaUnitedKingdom-basedseller

duringtheperiod of insurance;and2. youmadereasonableenquiriesabouttheitem’sprovenancebeforeyouboughtit,andyoupurchaseditin

goodfaith.

What is not covered

Anyclaimrelatingtothefollowing:1. AnyclaimwhereyouhavefailedtonotifyDASoftheinsuredincidentwithinareasonabletimeofithappening

andwherethisfailureadverselyaffectsthereasonable prospectsofaclaimorDASconsidertheirpositionhasbeenprejudiced.

2. Costs and expensesincurredbeforethewrittenacceptanceofaclaimbyDAS.3. Fines,penalties,compensationordamagesthatacourtorotherauthorityordersyoutopay.4. AnylegalactionyoutakethatDASortherepresentativehavenotagreedto,orwhereyoudoanythingthat

hindersDASortherepresentative.5. Anyclaimrelatingtowrittenorverbalremarkswhichdamageyourreputation.6. Anyclaimwhereyouarenotrepresentedbyalawfirm,barristerortaxexpert.7. Costs and expensesarisingfromorrelatingtoaJudicialReview,coroner’sinquestorfatalaccidentinquiry.

Conditions

1. a. Onreceivingaclaim,iflegalrepresentationisnecessary,DASwillappointapreferred law firmasyourrepresentativetodealwithyourclaim.Theywilltrytosettleyourclaimbynegotiationwithouthavingtogotocourt.

b. Iftheappointedpreferred law firmcannotnegotiatesettlementofyourclaimanditisnecessarytogotocourtandlegalproceedingsareissuedorthereisaconflictofinterest,thenyoumaychoosealawfirmtoactastherepresentative.

c. Ifyouchoosealawfirmasyourrepresentativewhoisnotapreferred law firm,DASwillgiveyourchoiceoflawfirmtheopportunitytoactonthesametermsasapreferred law firm.However,iftheyrefusetoactonthisbasis,themostwewillpayistheamountwewouldhavepaidiftheyhadagreedtotheDAS Standard Terms of Appointment.Theamountwewillpayalawfirm(whereactingastherepresentative)iscurrently£100perhour.Thisamountmayvaryfromtimetotime.

d. Therepresentativemustco-operatewithDASatalltimesandmustkeepDASup-to-datewiththeprogressoftheclaim.

2. a. Youmustco-operatefullywithDASandtherepresentative.b. YoumustgivetherepresentativeanyinstructionsthatDASaskyouto.

3. a. YoumusttellDASifanyoneofferstosettleaclaim,youmustnotnegotiateoragreetoasettlementwithoutthewrittenconsentofDAS.

b. Ifyoudonotacceptareasonableoffertosettleaclaim,wemayrefusetopayfurtherlegalcosts.

POLICYDOCUMENT 59

c. Wemaydecidetopayyouthereasonablevalueofyourclaim,insteadofstartingorcontinuinglegalaction.InthesecircumstancesyoumustallowDAStotakeoverandpursueorsettleanyclaiminyourname.YoumustallowDAStopursueatourownexpenseandforourownbenefit,anyclaimforcompensationagainstanyotherpersonandyoumustgiveDASalltheinformationandhelptheyneedtodothis.

4. a. Youmustinstructtherepresentativetohavecosts and expensestaxed,assessedoraudited,ifDASaskforthis.

b. Youmusttakeeverysteptorecovercosts and expensesandcourtattendanceandjuryserviceexpensesthatwehavetopay,andmustpayusanycosts and expensesthatarerecovered.

5. Iftherepresentativerefusestocontinueactingforyouwithgoodreason,orifyoudismisstherepresentativewithoutgoodreason,thecoverweprovidewillendimmediatelyunlessDASagreetoappointanotherrepresentative.

6. IfyousettleorwithdrawaclaimwithouttheagreementofDAS,ordonotgivesuitableinstructionstotherepresentative,wecanwithdrawcoverandwillbeentitledtoreclaimfromyouanycosts and expenseswehavepaid.

7. DASmayrequireyoutoget,atyourownexpense,anopinionfromanexpertthatDASconsiderappropriate,onthemeritsoftheclaimorproceedings,oronalegalprinciple.TheexpertmustbeapprovedinadvancebyDASandthecostagreedinwritingbetweenyouandDAS.Subjecttothis,wewillpaythecostofgettingtheopinioniftheexpert’sopinionindicatesthatitismorelikelythannotthatyouwillrecoverdamages(orobtainanyotherlegalremedythatDAShaveagreedto)ormakeasuccessfuldefence.

8. Youmust:a. keeptothetermsandconditionsofthissection;b. takereasonablestepstoavoidandpreventclaims;c. takereasonablestepstoavoidincurringunnecessarycosts;d. sendeverythingDASaskforinwriting;ande. reporttoDASfullandfactualdetailsofanyclaimassoonaspossibleandgiveDASanyinformationthey

need.

9. Anyoneclaimingunderthissectionmusthavetheagreementoftheperson(s)namedasinsuredinthescheduletoclaim.

10. ThissectionisgovernedbythelawthatappliesinthepartoftheUnitedKingdom,ChannelIslandsorIsleofManwhereyounormallylive.OtherwisethelawofEnglandandWalesapplies.

AllActsofParliamentmentionedinthissectionofthepolicyincludeequivalentlawsinScotland,NorthernIreland,theIsleofManandtheChannelIslandsasthecasemaybe.

60 POLICYDOCUMENT

How we will pay your claim

Wewillpayuptothelimitsofindemnityforanyliabilityasshownbelow.

Definitions

ThefollowingdefinitionsapplytotheTrustees’indemnitycover.

Charitymeansalegallyrecognisedcharityforwhichyouareatrustee.

Charity moneymeansmoneybelongingtoacharity.

Trusteemeanstrustee,director,officerormemberofthemanagementcommitteeofthecharity.

Wrongful actmeansanyactualorallegedactwhichiswrongfullycommittedorattemptedbyyouwhencarryingoutyourdutiesasatrusteeofacharity.

What is covered

Thissectionofthepolicyprovidesinsuranceagainstanyamountwhich:

1. youbecomelegallyliabletopayasdamages,costsandexpensesasaresultofawrongful actwhichgivesrisetoaclaimmadeagainstyouasatrusteeofacharityandnotifiedtousduringtheperiodofinsurance;

Themostwewillpayintotalforallclaimsarisinginanyoneperiodofinsuranceis£25,000 (allclaimsarisingfromasinglewrongful actwillbedeemedtohavebeenmadeduringtheperiodinwhich

thefirstclaimwasacceptedbyus);2. youbecomelegallyliabletopayasdamagesandcostsandexpensesasaresultofanydocument(otherthan

computersystemsrecords)relatingtoyourworkforacharitysufferingdamageduringtheperiodofinsuranceandnotifiedtouswithin30daysofdamage;

3. hasreasonablybeenincurredbyyouinreplacingorrestoringanydocument(otherthancomputersystemsrecords)relatingtoyourworkforacharitysufferingdamageduringtheperiodofinsuranceandnotifiedtouswithin30daysofdamage.

Themostwewillpayunder2.and3.intotalis£5,000inanyoneperiodofinsuranceincludingcostsandexpenses.

7 Trustees’indemnity (Thissectionautomaticallyapplies)

POLICYDOCUMENT 61

Other covers

Fidelity Cover

Wewillindemnifyyouinrespectoflossof:

1. charity money;2. materialproperty;belongingtoacharityandforwhichyouarelegallyresponsibleoccurringduringtheperiodofinsuranceandsustainedinconsequenceofanydishonest,fraudulent,criminalormaliciousactcommittedbyatrustee,otherthanyou,ofacharitywiththeintenttoobtainimproperpersonalgainforthemselvesorforanyotherparty.

Coverexcludesanydishonest,fraudulent,criminalormaliciousactoromissioncommittedbyanypersonafterthediscoverybyyouofreasonablecauseforsuspicionofsuchactoromissioninrelationtothatperson.

Coverunderthisextensionislimitedtotheextentthatthesaidlossisnotreasonablyrecoverablefromthetrustee.Themostwewillpayis£25,000inanyoneperiodofinsuranceincludingcostsandexpenses.

What is not covered

Inadditiontothegeneralexclusionsonpages20to22,thefollowingextraexclusionsapplytothissection.

1. Wewillnotpayforliabilityarisingfrom:a. bodilyinjurytoanyperson;b. anagreementunlessliabilitywouldhaveexistedwithouttheagreement;c. counselling,adviceorprofessionalservices;d. anythingwhichwasdonewhenknowntobeawrongful actorignoringthatpossibility;e. theconsequencesofanycircumstancesknowntoyouatthecommencementofthiscoverwhichmay

giverisetoaclaim;f. failureoromissiontoeffectandmaintainadequateinsurance;g. infringementofintellectualpropertyrights;h. damagetomaterialpropertyotherthancoveredunder'Whatiscovered'2.and3.andthefidelitycoverof

thissection;i. anyunexplainedorinexplicabledisappearanceorunexplainedshortageorshortages;j. anylegalactionbroughtinanycourtoflawoutsidethegeographical limits;k. fines,penaltiesorpunitive,exemplary,aggravatedormultiplieddamages;l. anyclaimforunfairorwrongfuldismissaloranyotheremploymentdispute.

2. Wewillnotpayforliability:a. resultingfromyouactinginthecapacityastrusteeoradministratorofanypension,retirement,or

superannuationschemeorprogramme;b. coveredbyanyotherpolicy;c. resultingfromyoucommittingorcondoningadishonest,fraudulent,criminalormaliciousactoromission.

62 POLICYDOCUMENT

Definitions

ThefollowingdefinitionsapplytotheFamilyprotectioncover.

Accident/accidentalmeansasudden,unexpected,unforeseenandidentifiableincident.

Annual salary meansthetotalgrossbasicannualsalary(excludingovertime,commissionorbonuspayments)payabletotheinsured personatthedatebodily injuryissustained.

Iftheinsured personispaidweeklytheannualsalarywillbecalculatedbytakingtheaveragegrossbasicweeklysalaryoftheinsured personforthe13weekspriortosustainingbodily injuryandmultiplyingthisamountby52.

Bodily injury meansaccidental bodilyinjuryresultingdirectlyandindependentlyofanyothercausewithin104weeksindisablementordeath.

Deferment periodmeanstheinitialperiodfollowingbodily injuryduringwhichthetemporarytotal disablement benefitisnotpayable.

Insured person(s) meansthepeoplenamedasinsuredinthescheduleandtheirfamilywhonormallylivewiththem.

Loss of hearingmeanspermanenttotalandirrecoverablelossofhearinginoneorbothears.

Loss of limb(s) meanslossbypermanentphysicalseveranceatorabovetheankleorofthefourfingersatorabovethemetacarpophalangealjoints(wherethefingersjointhepalmofthehand)orpermanenttotalandirrecoverablelossofuseofacompleteleg,foot,armorhand.

Loss of sightmeanspermanenttotalandirrecoverablelossofsight:1. inbotheyesresultingintheinsured person’snamebeingaddedtotheRegisterofBlindPersons;2. inoneeyewhichisassessedat3/60orlessontheSnellenscaleaftercorrectionwithspectaclesor

contactlenses.

Loss of speechmeanspermanenttotalandirrecoverablelossoftheabilitytospeak.

Medical expenses meansthecostofmedicalsurgicalorotherremedialattentionortreatmentgivenorprescribedbyaqualifiedmedicalpractitionerandallhospital,nursinghomeandambulancechargesnecessarilyincurredinthetreatmentoftheinsured personinconnectionwithavalidclaim.

Medical practitionermeansamedicallyqualifiedpersonotherthananinsured personorarelativeofaninsured person,whoiscurrentlyregisteredwiththeGeneralMedicalCouncilintheUnitedKingdom(orforeignequivalent)topracticemedicine.

8 Familyprotection (Thissectionautomaticallyapplies)

POLICYDOCUMENT 63

Paraplegiameansthepermanenttotalandirrecoverableparalysisofbothlegs.

Period of insurance meanstheperiodshownintheschedule.

Permanent total disablementmeanspermanenttotalandirrecoverabledisablement(otherthanbyloss of limb(s)orloss of sightorloss of hearing or loss of speech)fromgainfulemploymentforwhichtheyaresuitedbyknowledge,trainingandexperiencewhichhaslastedfor104weeksandwhichinallprobabilitywilllastfortheremainderoflife.

Psychiatry and psychotherapy meansthetreatmentofamentaldisordercarriedoutbyapsychiatristorclinicalpsychologist.

Quadriplegiameansthepermanenttotalandirrecoverableparalysisofbotharmsbelowtheshoulderandbothlegs.

Temporary total disablementmeanstotaldisablementfromengaginginorgivingattentiontotheirusualoccupationforaperiodnotexceeding52weeksinallfromthecommencementofsuchdisablement.

Weekly wagemeanstheaverageweeklygrossbasicsalary(excludingovertime,commissionorbonuspayments).Iftheinsured personispaidweeklythismeanstheaveragegrossweeklybasicsalaryforthe13weekspriortosustainingbodily injury(ortheaveragefortheperiodofemploymentiflessthan13weeks).Iftheinsured personispaidmonthlythiswillbecalculatedbydividingtheinsured person’sannual salaryby52.

How we will pay your claim

Themaximumamountwewillpayunderthissectioninrespectofallbenefitstoinsured personsinvolvedinthesameaccidentshallnotexceed£2,500,000.

Intheeventthattheamountofallbenefitspayableexceedsthemaximumlimitourliabilityinrespectofeachinsured personshallbeproportionatelyreduceduntilthetotaldoesnotexceedthatlimit.

What is covered

1 Fatality at home

Wewillpayforthedeathofaninsured personfollowingbodily injuryasadirectresultoffireoraccidentatthehome ifthedeathoccurswithin12monthsofthefireoraccident.

We willpay:1. £50,000perinsured personover16yearsofage;2. £10,000perinsured personunder16yearsofage.

We willnotpayforany:1. domestic staff;2. consequenceofsuicideordeliberateself-injury;3. consequenceofacriminalactbyaninsured person.

64 POLICYDOCUMENT

2 Property alteration costs

Wewillpayforalterationstothehome madewithouragreementwhicharenecessarytoallowaninsuredpersontoliveatthehomeunassistedfollowinganinsured personsustainingbodily injury whichresultsinloss of limb(s),loss of sight inbotheyes, permanent total disablement, paraplegia, quadriplegiaoranyotherformoftotalandirrecoverableparalysis.

Themostwewillpayintotalforallclaimsis£100,000inanyoneperiod of insurance.

We willnotpayforany:1. domestic staff;2. consequenceofsuicideordeliberateself-injury;3. consequenceofacriminalactbyaninsured person.

3 Assault

Ifduringtheperiod of insuranceaninsured personsustainsbodily injuryasadirectresultofanysuddenandunprovokedassaultwewillpaytheinsured personuptothelimitassetoutbelow.

Wewillpaythefollowingscaleofbenefits:

1. Death £100,000

Reducedto£10,000foraninsured personunder16yearsofage.2. Loss of limb(s) £100,0003. Loss of sight £100,0004. Loss of speech £100,0005. Loss of hearing £100,0006. Permanent total disablement £100,0007. Temporary total disablement (perweek) 75%ofweekly wage Payableforamaximumof52weekswitha14daydeferment periodsubjecttoamaximumbenefitof

£1,000perweek.

Providedthat:1. benefitshallnotbepayableinrespectofanyinsured personforanylateraccidentafteranaccidentgiving

risetoaclaimotherthanfortemporary total disablement; 2. benefitforpermanent total disablementmaybepayablefollowingbenefitfortemporary total disablement.

Oncedisablementisdeemedpermanentallweeklybenefitswillcease;3. otherthan2.aboveonebenefitonlyshallbepayableinrespectofanyoneinsured personinconnectionwith

thesameaccident;4. otherthanperiodicpaymentsfor temporary total disablement we willnotpayabenefituntilthetotal

amounthasbeenascertained;5. thetotalamountpayableunderthepermanentpartialdisablementextensioninrespectofanyoneinsured

personinconnectionwiththesameaccidentshallnotexceed100%ofthebenefitforloss of limb(s)orpermanent total disablement;

6. theweeklyamountpayableundertemporary total disablementinrespectofanyoneinsured personinconnectionwiththesameaccidentshallnotexceed100%oftheirweekly wage.

POLICYDOCUMENT 65

We willalsopaythefollowing:1. Medical expenses If we acceptaclaimforbodily injury underthissection we willpay:

a. medical expensesincurredbytheinsured person uptoamaximumof£2,500;b. £20adayupto£200ifasaresultofthebodily injurytheinsured persongoesintohospitalfor

in-patienttreatment.

2. Paralysis Ifwe acceptaclaimforbodily injury underthissection andwithin24calendarmonthsthisisthesoleand

independentcauseoftheinsured person sufferingparalysis we willpay:a. anadditional20%ofthebenefitspayableunderpermanent total disablementinrespectof

quadriplegia; b. anadditional10%ofthebenefitspayableunderpermanent total disablementinrespectof

paraplegia.

Wewillnotpayforbodily injury: 1. arisingfrom:

a. anyconsequenceofsuicideordeliberateself-injury;b. anypsychologicalorpsychiatricconditionotherthanPostTraumaticStressDisorder;c. anysicknessordiseasenotresultingfromabodily injury;d. anyrepetitivestressinjuryorsyndromeoranygraduallyoperatingcause.

2. arisingfromanyinsured persontakingpartinpractisingortrainingforanyofthefollowingexcludedactivities:a. flying(exceptasapassenger);b. huntingonhorseback,polo,showjumpingorsteeplechasing;c. driving,ridingorsailinginanykindofrace;d. playinginanysportprofessionally;e. serviceinanyofthearmedforces.

3. directlyorindirectlycausedorcontributedtobyanactof terrorisminvolvingtheuseorreleaseorthethreatthereofofanynuclearweaponordeviceorchemicalorbiologicalagentregardlessofanycontributorycause.

4. arisingfromtraveltoadestinationtowhichtheForeignandCommonwealthOffice(FCO)hasadvisedagainstallorallbutessentialtravelbeforethejourneycommences.

4 Psychiatric services

Ifduringtheperiod of insuranceaninsured personsustainsbodily injuryasadirectresultofanysuddenandunprovokedassault,orisawitnesstoanysuddenandunprovokedassaultofanyotherinsured person,orisawitnesstoanysuddenandunprovokedassaultatthehomewhichwithin12monthsofandmedicallydiagnosedbyamedical practitionerasaresultoftheincidentresultsinanyformofmentaldisorderwewillpaytheinsured personforpsychiatry and psychotherapyprovidedbyaregisteredpsychiatristorclinicalpsychotherapist.

Wewillpay:1. upto£350foraninitialconsultationanddiagnosisfollowingreferralfromtheinsured personsGeneral

MedicalPractitionerorothermedicaldoctor;2. upto£1,650foradditionalconsultations;3. amaximumperinsured personof£2,000perincident;4. amaximumof£10,000payableinrespectofmultipleinsured personsforthesameincident;5. amaximumof£30,000intheaggregateperperiod of insurance.

66 POLICYDOCUMENT

Wewillnotpayunderthissectionfor:1. anytreatmentarisingfromanyconsequenceofsuicideordeliberateself-injuryofaninsured personor

invitedguestatthehome;2. anytreatmentarisingfromalcoholabuse,drugabuseorsubstanceabuse;3. anytreatmentarisingfromanyincidentthathasnotbeenreportedtotheauthorities;4. anytreatmentcarriedoutbyaninsured personormemberoftheinsured person'sfamily,unlessthisis

referredtoandagreedbyus.

5 Other medical expenses

Ifduringtheperiod of insuranceaninsured personsustainsbodily injuryasadirectresultofanysuddenandunprovokedassaultbutwherenoclaimisbeingmadeunderanyothercoverunderthissectionforbodily injury,wewillpaytheinsured personforanyreasonablyincurredmedical expenses.

Themostwewillpayis:1. upto£2,000perincident;2. amaximumof£10,000payableinrespectofmultipleinsured personsforthesameincident;3. amaximumof£30,000intheaggregateperperiod of insurance.

Wewillnotpayunderthiscoverfor:1. anytreatmentarisingfromanyincidentthathasnotbeenreportedtotheauthorities;2. anytreatmentcarriedoutbyaninsured personormemberoftheinsured personsfamily,unlessthisis

referredtoandagreedbyus.

6 Sponsorship cover

Ifduringtheperiod of insuranceaninsured personsustainsbodily injurywhichresultsintheinsured personbeingunabletoparticipateinascheduledsponsoredeventwewillpaythelostsponsorshiptotheinsured person'scharityforwhichtheeventwasintendedtobenefit.

Themostwewillpayis£500anyoneclaimand£1,000inanyoneperiod of insurance.

Wewillnotpayunderthiscoverfor:1. anyclaimarisingdirectlyorindirectlyfromapre-existingcondition;2. anyclaimarisingfrombodily injurynotsubstantiatedbyawrittenreportfromthetreatingmedical

practitionerconfirmingtheinsured person'sinabilitytoattendthescheduledevent;3. anymoniesnotreturnedtothesponsoroftheinsured person.

7 Hole-in-one cover

Ifduringtheperiod of insuranceaninsured personachievesagolfinghole-in-oneinanorganisedclubeventorcompetitionwe willpayadonationtotheinsured person'snominatedcharity.

Themostwewillpayis£500anyoneclaimand£1,000inanyoneperiod of insurance.

Providedthat:1. anyhole-in-onemustbewitnessedandconfirmedinwritingbyacluborcompetitionofficial;2. thehole-in-onemustbebasedonthepubliclyadvertiseddistanceandnormalstrokeparofanyparticularhole.

Wewillnotpayunderthiscoverfor:1. Anyinsured personwhoisregisteredasaprofessionalgolfer;2. AnycoursethatisadvertisedasaPitchandPutt,PuttingGreenorCrazyGolforsimilar.

POLICYDOCUMENT 67

Guidance note

Thecoverunderthissectionhasbeenarrangedbyusthroughathirdpartyprovider,DASLegalExpensesInsuranceCompanyLimited(DAS).EcclesiasticalisresponsibleforpayinganyclaimsunderthissectionbutDASmanageallclaimmattersandcorrespondenceonourbehalf.

Tomakeaclaimunderthissection,pleasephoneDASonthefollowing24hourclaimsservicenumber:

0345 601 3151DASrecordsandmonitorsallphonecallsfrompolicyholdersandotherconsumers.

Beforeaskingforhelp,pleasecheckthattheproblemiscoveredbythispolicy.Itisimportantthatyoucontactourassistancecentreassoonaspossibleafterthehomeemergency.Ourphonelinesareopen24hoursaday,365daysayear.

Donotarrangeforacontractoryourself,aswewillnotpayforthis.Wewillalsonotpayforanyworkwhichhasnotbeenauthorisedinadvancebyus.

Wewillprovideassistanceonlyifwehavegivenouragreementandonlyifthereissomeoneaged18oroverathomewhenourapprovedcontractorarrives.

Whenyouhavegivenusdetailsofyourclaimandwehaveacceptedit,wewillarrangeforoneofourapprovedcontractorstohelpyouasquicklyaspossible.Wewilltellyouwhattodonext.

Inasituationthatcouldresultinseriousrisktoyouorsubstantialdamagetoyourhome,youshouldimmediatelycontacttheemergencyservices(fire,policeorambulance).IfyouthinkthereisagasleakyoushouldcontacttheNationalGasEmergencyServiceon0800111999.Ifthereisanemergencyrelatingtoaservicesuchaswaterorelectricity,youshouldalsocontactanycompanyresponsibleforsupplyingtheservice.

Pleasenotethatourusualservicestandardsmaybeaffectedbycircumstancesbeyondourreasonablecontrolsuchasremotelocations,badweatheroravailabilityofparts.

Wewillnotbeabletohelpifconditionsmakerepairsdangerous,forexamplewecannotcarryoutroofrepairsinhighwindsorrepairdampelectrics.

PleasealsorefertoWhatwewillnotpay,WhatisnotcoveredandtheConditionsshowninthissectionofthepolicy.

Atalltimeswewilldecidethebestwayofprovidinghelp.

DAS Head and Registered Office:DASLegalExpensesInsuranceCompanyLimitedDASHouseQuaySideTempleBackBristolBS16NH

RegisteredinEnglandandWalesnumber103274Website:www.das.co.uk

DASLegalExpensesInsuranceCompanyLimitedisauthorisedbythePrudentialRegulationAuthorityandregulatedbytheFinancialConductAuthorityandthePrudentialRegulationAuthority.

9 Homeemergency (Yourschedulewillshowifthissectionapplies)

68 POLICYDOCUMENT

Definitions

DASDASLegalExpensesInsuranceCompanyLimited.

EmergencyThesuddenorunexpectedoccurrenceofaninsuredincidentduringtheperiodofcoverwhichnecessitatesimmediatecorrectiveactionto:1. preventdamageorfurtherdamagetoyourhome;or2. makeyourhomesecure;or3. relieveunreasonablediscomfort,riskordifficultytoaninsured person;or4. addressahealthrisktoyouoranyoneelseinyourhome.

Emergency assistance limit£1,500(includingVAT)forthecall-outcharge,labourcosts,partsandmaterials;£2,500(includingVAT)forallcostsassociatedwithverminclaims.Theselimitsdonotincludeanyamountpayableinrespectofhotelaccommodation.

Home(s)meansyourprincipalprivateresidenceasshownintheschedule,comprisingprivatedwelling,garageandoutbuildingsusedfordomesticpurposesorforabusinessusewhichisnotedintheschedule,inthegeographical limits.

Hotel accommodationTheroom-onlycostofonenight’saccommodationfor insured peopleifyourhomeremainsuninhabitablefollowinganinsuredevent.Themostwewillpayforhotelaccommodationis£250(includingVAT).

Insured person/peopleYouandanypersonwholivesinorisstayingatyourhome.

Main heating systemmeansthemainhotwaterorcentralheatingsysteminyourhome.Thisincludespipesthatconnectcomponentsofthesystembutnotcoldwatersupplyordrainagepipes.Itdoesnotincludeanynon-domesticheatingornon-domestichotwatersystems(thosewithaKilowattoutputabove70)oranyformofsolarheating.

Plumbing and drainagemeansthecoldwatersupplyanddrainagesystemwithintheboundaryofyourhomeandforwhichyouarelegallyresponsible.Thisdoesnotinclude:1. pipesforwhichyourwatersupplyorseweragecompanyareresponsible;2. rainwaterdrainsandsoakaways.

Verminmeansrats,miceandwaspsandhornet’snests.

We, us, ourEcclesiasticalInsuranceOfficeplcorDASLegalExpensesInsuranceCompanyLimitedactingonbehalfofEcclesiasticalInsuranceOfficeplc.

POLICYDOCUMENT 69

Cover

Weagreetoprovidetheassistancedescribedinthissection,providedthattheinsuredincidenthappensduringtheperiodofcoverandwithintheUnitedKingdomofGreatBritainandNorthernIreland,theIsleofManortheChannelIslands.

Ifthissectionofthepolicydoesnotcovertheserviceyouneedwewilltry(ifyouwish)toarrangeitatyour expense.Thetermsofsuchaserviceareamatterforyouandthesupplier.

What we will pay

1. Wewillarrangeandpayforacontractortotakeactiontoresolvetheemergency.Theactiontakenwilldependonwhatwouldbefairandreasonableinthecircumstancesandwillbeeitherto:a. carryoutatemporaryrepair(orapermanentrepairifthisisnomoreexpensive);orb. takeotheraction,suchasisolatingaleakingcomponentorgainingaccesstoyourhomeiftheonly

availablesetofkeyshavebeenlost,stolenordamagedandunusable.2. Wewillpayuptotheemergency assistance limitforeachinsuredincidentfollowinganemergency.3. Ifyourhomeremainsuninhabitableovernightfollowinganinsuredincident,wewillpayforhotel

accommodation.Thedecisiononwhetheryourhomeisuninhabitablewilltakeintoaccountwhetheritwouldbefairandreasonabletoremaininyourhome.

What we will not pay

1. Anycostsperemergencywhichexceedtheemergency assistance limit;and/or2. Anycostsofovernightaccommodationwhichexceedtheamountsspecifiedunderhotel accommodation.

Insured incidents

1 Emergency repairs

Anyexternaldamagewhichthreatensfurtherimmediatedamagetoyourhomeoritscontents.

2 Plumbing and drainage

Damageto,orblockage,breakageorfloodingof,thedrainsorplumbingsysteminyourhomethatyouareresponsiblefor.

3 Main heating system

Failuretofunctionofthemainheatingsysteminyourhome.

4 Domestic power supply

Failureofyourhome’sdomesticelectricity,ordomesticgassupply,butnotthefailureofthemainssupply.

5 Toilet unit

Impactdamageto,ormechanicalfailureof,atoiletbowlorcisternthatresultsincompletelossoffunctionofanytoiletinyourhome.

70 POLICYDOCUMENT

6 Home security

Damageto,orthefailureof,doors,windows,gates,electronicgatesorotherpointsofaccesstoyourhomewhichleavesyourhomeinsecureormakesitimpossibletogainaccesstoit.

7 Vermin

Thesuddeninfestationofyourhomebyverminwhichpreventstheuseoftheloftoroneormoreoftheroomsinyourhome.

8 Lost keys

Theonlyavailablesetofkeystoyourhomearelost,stolenordamagedandunusableandyoucannotreplacethem,orcannotgainnormalaccess.

What is not covered

Nocoverappliesinrespectofthefollowing.

1. Anincidentormatterarisingpriortothestartdateofthissection.

2. Aclaimwhereyourhomeisunoccupied.

3. Aclaimwherewehavegiveninstructionsrelatingtothehelpweareprovidingandyouhavenotfollowedthem.

4. Costsincurredwhereourapprovedcontractorhasattendedyourhomebutnobodywasin.

5. Costsincurred:− beforeyouhavenotifiedusofaninsured event;− withoutouragreement.

6. Aclaimarisingfromyourdeliberateactoromission.

7. Normalday-to-dayhomemaintenancethatyoushouldcarryoutorpayfor(suchasservicingofheatingandhotwatersystems)andthereplacementofpartsduetonaturalwearandtear.

8. Aclaimforpartsorlabouriftheequipmentorfacilityisstillunderguaranteeorwarrantyfromthemaker,supplierorinstaller.

9. Aclaimrelatingtothefailureofequipmentorfacilitiesthatresultsfromthembeingincorrectlyinstalled,repaired,modifiedormaintained,orthatiscausedbyadesignfaultthatmakestheminadequateorunfitforuse.

10. Damagecausedgainingnecessaryaccessto,orinreinstatingthefabricof,yourhome.

11. Aclaimrelatingtotheinterruption,failureordisconnectionofthemainselectricity,mainsgasormainswatersupply,oryourfailuretobuyorprovideenoughgas,electricityorotherfuelsource.

12. Damagetoboundarywalls,gates,hedgesorfences.

13. Themalfunctionorblockageofseptictanks,cesspitsorfueltanks.

14. Aclaimarisingfromsubsidence,heaveorlandslip.

15. Anyclaimwhichwouldrequireustoundertakerepairsoranyotherremedialorcorrectiveactionto:a. anysharedareasorcommunalpartsofaproperty(orforwhichyoudonothavesoleresponsibility);orb. anysharedfixturesandfittings,facilitiesorservicesoutsidethelegalboundaryofyourhome.

POLICYDOCUMENT 71

16. Aclaimwheretheinsuredincidentcannotberesolvedsafelybyourapprovedcontractor(orwhichrequiresspecialistassistance)becauseofthepresenceofdangeroussubstancesormaterials(suchasasbestos)orwhereconditionsmakeattemptingarepairdangerous.

17. Thecosts(oranycontributiontowardsthecosts)ofreplacingaboilerorstorageheateroranyotherheatingordomesticapplianceif:a. itcannotberepaired;orb. theapplianceisbeyondeconomicrepair(thecostofrepairingtheapplianceismorethanthecostof

replacingit);orc. repairswillcostmorethantheemergencyassistancelimit(wewillpayuptotheemergencyassistance

limitforanyrepairsthatarecarriedout).

Conditions

1. Youmust:a. keeptothetermsandconditionsofthispolicy;b. maintainthehomeinareasonablecondition,carryoutanyinspectionsorservicesoffittingsin

accordancewiththemanufacturer’sinstructionsandcompleteanynecessarymaintenancetothestructureofthehome;

c. trytopreventanythinghappeningthatmaycauseaclaim;d. takereasonablestepstokeepanyamountwehavetopayaslowaspossible.

2. Wewillmakeeveryefforttoprovidetheserviceatalltimes,butwewillnotberesponsibleforanyliabilityarisingfromabreakdownoftheserviceforreasonswecannotcontrol.

3. Wewillattempttoprovidereplacementpartswherenecessarybutcannotbeheldresponsibleifthesearedelayedorunavailable.

72 POLICYDOCUMENT

Guidance note

IfthereareanycircumstancesthatmaygiverisetoaclaimunderthispolicytheInsured person(orhis/herlegalorpersonalrepresentatives)mustinrespectofanyclaim,contactususingtheappropriatetelephonenumbershownonpage7ofthispolicy.

Ifyouwishtoreportanewclaimorenquireaboutanexistingclaim,pleasequotethepolicynumberstatedinthepolicyschedule.

Contactusassoonaspracticablebutinanyeventwithin30daysofsuchcircumstancesarising(orwithin30daysofreturningfromthejourneyifsuchcircumstancesariseduringthejourney)givingbriefdetailsofthecircumstancesandrequestingaclaimform.

Travel Information

Guidance note - Cover for Pre-existing Medical ConditionsPleasenotethatforthefollowingunder'Whatiscovered':Cover1-Medicalandotherexpenses;Cover2- Cancellationorcurtailment; whenyoubookorbeginajourneywewillnotcoveranyclaimduetoamedicalconditionorachangeinhealthof:1. anyoneinsuredunderthispolicy;2. arelativeorclosebusinesscolleague; where:

a. theyknewaboutthemedicalcondition;b. theyareawaitingtestsortestresultsconnectedtothemedicalcondition;

unlesstheconditionisnormallystable,undercontrolandnotreatmenthasbeenrequiredasanin-patientorout-patientmorethanonceinthelast12monthsortheconditionisonewewillaccept(seelistofacceptablemedicalconditionsonpage81'Whatisnotcovered'paragraph9).

Foreign and Commonwealth OfficeYoumustobservetraveladviceprovidedbytheForeignandCommonwealthOffice(FCO).NocoverisprovidedunderthissectionofthepolicyinrespectoftraveltoadestinationtowhichtheFCOhasadvisedagainstallorallbutessentialtravelbeforethejourneycommences.

Ifthestatusofthecountryyouaretravellingtochangesduringtheperiodofinsurance,pleasecontactusandwewilladviseyouifwecancontinuetoprovidecover,andifnot,thealternativesthatapply.

TraveladvicecanbeobtainedfromtheFCObyvisitingtheirwebsiteatwww.fco.gov.uk

Leisure holiday activities covered(excludingorganisedsportstripsortoursorengaginginanactivityasaprofessionalorwhereanInsured person receivesanyfinancialrewardorgain)

Pleasefindlistedbelowthetypeofleisureholidayactivitycoveredunderyourpolicy.Pleaserefertothegeneralexclusionsforactivitiesthatwewillnotcoverunderyourpolicy.

abseiling,angling,aerialsafaris,archerywhichisproperlysupervised, badminton,bananaboating,baseball,basketball,beachgames,bungeejumping(throughalicensedtour

operator)bobsleighing,bowls,claypigeonshootingcarriedoutundersupervision,

10 Travel (Yourschedulewillshowifthissectionapplies)

POLICYDOCUMENT 73

cricket,croquet,crosscountryskiingonrecognisedpaths,curling,cycling(excludingBMXstuntriding),deepseafishing,fencing,fellrunning,fellwalking,amateurfootball,gliding,gokarting,golf,non-competitivegymnastics,

hanggliding(tandemwithlicensedorganisation),highdivingfromapurposebuiltdivingboardoveramanmadepool,hikingonestablishedordocumentedpaths,tracksormappedroutes,hockey,hotairballooning(withlicensedorganisation),horseridingifprotectiveheadgearisworn(excludingjumpingtrials,hunting,showjumpingandcompetitiveriding),huskysledgingasapassenger(withlicensedoperator),

iceskating,icehockeyonanindooricerink,jetboating,jetskiing,marathonrunning,mountainbikingifprotectiveheadgearisworn,netball,offpisteskiing(inareasconsideredsafebytheskiresortmanagementorlocalskischool),

paragliding(tandemwithlicensedoperator),parasailingiftowedbyboat,parachuting(maximumheightforjump10,000feet),

polo,ponytrekkingifprotectiveheadgearisworn,rivercanoeing,kayakingandraftingincalmwaternotseaorwhitewaterabovegrade3,

rambling,rollerblading,rounders,rowing,rugby,safarisprovidedthattheInsuredpersonwillnotbeusingafirearm,sailboarding,sailingandyachtingoninshore/coastalwaters–within12milesofcoastline,

scubadivinguptoadepthof30metresmaximum(aslongasPADIqualifiedorequivalenttothatdepth),sandsurfing,sandsafaris,skating,skiboarding,skindiving,sledging,snorkelling,snowboarding,snowshoeing,snowskiing,andsnowmobiling,squash,surfing,swimming,

tabletennis,tenpinbowling,tennis,trekkingonestablishedordocumentedpaths,tracksormappedroutes,tug-of-war,

undergroundactivitiesaspartofanorganisedexcursionortour,via-ferrata,volleyball,wargames,waterpolo,waterskiing(excludingjumping),weightliftingandwindsurfing.

Definitions

ThefollowingdefinitionsapplytotheTravelcoversection.

Assistance companymeanstheassistancecompanywehaveappointedtohandleemergencytravelassistance:+44 (0) 1452 872 794

Claims handlermeansthecompanywehaveappointedtohandleallclaimsotherthanpersonalliability,baggage,personalmoneyandlegalexpenses:0345 606 1018 (UKonly)+44 (0) 1452 872 701 (outsideofUK)

Close business colleaguemeansapersonemployedbythesamecompanyastheInsured personandinwhoseabsencefromthebusinessitwillbeessentialthattheInsured personbepresentintheirplace.

Curtailment, curtailedmeansreturningtotheInsured person’shomeorplaceofbusinessintheUnited KingdomortheChannelIslandspriortothescheduleddateofreturnfromthejourney.

Date of issuemeansthedatethispolicywasissuedasshowninthepolicyschedule.

Excessmeanstheamountyoumustpaytowardsanyclaim.

74 POLICYDOCUMENT

Insured person(s)meanseachpersonstatedinthepolicyscheduleasbeinginsured(providedthatsuchpersonisaresidentoftheUnited KingdomortheChannelIslandswithanaddressintheUnited KingdomortheChannelIslands).

Journey(s)meansanypre-bookedtripofupto90daysdurationforInsured person(s)agedupto75yearsatdate of issue forsocial,domestic,pleasure,educationalorcommercialbusinesspurposescommencingfromandreturningtotheInsured person’shomeorplaceofbusinesswithintheUnited KingdomortheChannelIslands.

TripstotheUnitedStatesofAmericaorCanadaareonlycoveredforupto90daysintotalduringtheperiod of insurance.

Loss of limb(s)meanstotalpermanentandirrecoverablelossofusebyphysicalseparationorotherwiseofoneorbothhandsatorabovethewristjointand/oroneorbothfeetatorabovetheankle.

Loss of sightmeanstotalpermanentandirrecoverablelossofsight.

Operative time of covermeans:1. ThecancellationinsuranceprovidedunderCover2–Cancellationorcurtailmentiseffectivefromthe

dateofbookingajourneyorthedateofcommencementoftheperiod of insurance(whicheveristhelater)andendswhenduringtheperiod of insurancetheInsured personleaveshis/herhomeorplaceofbusiness(whicheverisleftlast)withintheUnited KingdomortheChannelIslandstocommencesuchjourneyoruponexpiryoftheperiod of insurance(whicheveristheearlier).

2. ThecurtailmentinsuranceprovidedunderCover2–CancellationorcurtailmentandtheinsuranceprovidedunderallotherapplicableCoversofthissectioncommenceswhenduringtheperiod of insurancetheInsured personleaveshis/herhomeorplaceofbusiness(whicheverisleftlast)intheUnited KingdomortheChannelIslandstocommenceajourneyandendsupon:a. theInsured person’sdirectreturntosuchhomeorplaceofbusiness(whicheverisreachedfirst)at

theendofsuchjourney;orb. expiryoftheperiod of insurance

whicheveristheearlier.

Period of insurancemeanstheperiodshowninthepolicyschedule.Thisisautomaticallyextendedforupto30daysintheeventthatcompletionofthejourneyisdelayedduetoanycircumstancesbeyondtheInsured person’scontrolprovidedthattheInsured personisnotbeingdetainedbythepoliceoranyotherlawfulauthorityforanycriminalactorbreachofanylaworenactmentandprovidedthattheInsured personmakesallreasonableeffortstocompletethejourneyassoonaspossibleaftertheoriginalscheduledcompletiondateofthejourney.

Permanent total disablementmeanspermanenttotalandabsolutedisablement(otherthanbyloss of limb(s)orloss of sightinoneorbotheyes)fromgainfulemploymentofanyandeverykindwhichshallhavelastedfor52weeksandwhichinallprobabilitywilllastfortheremainderoflife.

Relativemeansspouse,fiancé(e),civilpartner,partner,parent,step-parent,parent-in-law,grandparent,child,step-child,son-in-law,daughter-in-law,grandchild,step-grandchild,brother,sister,step-brother,step-sister,brother-in-law,sister-in-lawoftheInsured personorofthepersonwithwhomtheInsured personistravellingorhadarrangedtostay.

POLICYDOCUMENT 75

United KingdommeansEngland,Scotland,Wales,NorthernIrelandandtheIsleofMan.

What is covered

Wewillpayuptothelimitforanyliabilityasshownbelow.

1 Medical and other expenses

Wewillpay:

1. upto£10,000,000intotalinrespectof:a. medical,hospitalandtreatmentexpensesincludingthecostofemergencydentaltreatmentforthe

immediatereliefofpainonlybutlimitedto£400intotal;b. ambulancecharges,costofrescueservices;c. accommodationand/ortravellingexpensesand/orrepatriationexpensestotheUnited Kingdomorthe ChannelIslandsandanysimilarexpensesofonerelativeorfriendrequiredonmedicaladvicetostayor

travelwiththeInsured personoractasanescortforachildnecessarilyandreasonablyincurredoutsidetheUnited KingdomortheChannelIslandsonmedicaladviceasadirectresultoftheInsured personsustainingaccidentalbodilyinjuryorsufferingtheonsetofillnessduringtheoperative time of cover;

d. reasonableadditionalhotelandtravelcostsincurredintheeventofthenecessaryrepatriationoftheInsured persontohis/herhomeorplaceofbusinesswithintheUnited KingdomortheChannelIslandsasaresultofthesuddenandunexpecteddeath,seriousinjuryorseriousillnessoccurringduringtheoperative time of coveroftheInsured person’srelativeorclose business colleague.

2. thereasonablechargesintheeventofdeathoccurringoutsideoftheInsured person’scountryofresidenceduringtheoperative time of coverof:a. burialorcremationoftheInsured personinthelocalitywheredeathoccurs;orb. transportingtheInsured person’sremainsorashestohis/hercountryofdomicile(excludingfuneralor

intermentcosts);subjecttoourpriorapproval.

Providedthat:

1. thiscovershallapplyonlyinrespectofjourneysoutsidetheUnited KingdomexceptinrespectofresidentsoftheChannelIslandswherethiscoverwillapplywithintheUnited Kingdom;

2. theamountpayableshallnotexceedtheamountsstatedor£10,000,000intotalandshallonlybeinrespectofcostsincurredwithin12monthsofthedateoftheincidentgivingrisetotheclaim;

3. wereservetherighttorepatriatetotheUnited KingdomortheChannelIslandswhenintheopinionofour medicaladviserstheInsured personisfittotravel;

4. theassistance companyisnotifiedandhasauthorisedanycoststobeincurred:a. priortotheInsured personbeingadmittedasaninpatienttoanyhospital,clinicornursinghome.Ifthis

isnotpossiblebecauseoftheseriousnessoftheconditionthenyoumustcontacttheassistance company assoonaspossibleafterbeingadmitted;

b. priortoanyrepatriationarrangementsbeingmade;c. intheeventofthedeathoftheInsured person–priortoburial,cremationortransportationofthe

Insured person’sremainstotheUnited KingdomortheChannelIslands.

76 POLICYDOCUMENT

Reciprocal Health AgreementItisstronglyrecommendedthatifyouaretravellingtoacountryintheEuropeanEconomicArea(EEA)orSwitzerlandyouobtainaEuropeanHealthInsuranceCard(EHIC)-seewww.gov.uk/european-health-insurance-cardorphone03003301350.ThisEHICentitlesyoutobenefitfromthereciprocalhealthagreementswhichexistbetweenEEAcountries.

TheUnitedKingdomhasreciprocalhealtharrangementswithcertainothercountries.

Visitwww.dh.gov.uk/travellersforalistofthosecountriesinwhichyoumaybeentitledtofreetreatmentortreatmentatreducedcost.

Excess

Thisinsurancedoesnotcoverthefirst£50perInsured personinrespectofeachseparateincidentgivingrisetoaclaimexceptwheremedicalexpenseshavebeenreducedbytheuseofanEHICorcontributionfromtheInsured person’sprivatehealthinsuranceinwhichcaseprovidedthatliabilityhasbeenacceptedbyusforsuchreducedmedicalexpensestheexcesswillbereducedbytheamountofsuchreductionorcontributionuptoamaximumreductionof£50perInsured person.

2 Cancellation or curtailment

Wewillpayupto£15,000perInsured personinrespectoftheotherwiseirrecoverablelossofdeposits,instalmentsandbalancespaidorcontractedtobepaidbytheInsured personforthejourneyinrespectoftravel,accommodation,carhireandpre-bookedexcursionsbookedpriortothescheduleddateofdepartureofsuchjourneyandincurredasaresultofthenecessaryandunavoidablecancellationorcurtailmentofsuchjourneyduringtheoperative time of coverdueto:

1. thedeath,seriousinjuryorseriousillnessoccurringormanifestingitselfduringtheoperative time of cover ofthe:a. Insured person;orb. personwithwhomtheInsured personistravellingorhadarrangedtostay;orc. relativeorclose business colleagueoftheInsured personorofthepersonwithwhomtheInsured

personistravellingorhadarrangedtostay;

Nocoverwillapplyunderthiseventinrespectofdeath,injuryorillnessofanypersonsnotspecificallymentionedunder1a,b,orc;

2. thecancellationordelayeddeparturefor24hoursormoreofthescheduledtransportonwhichtheInsured personisbookedtotravelbecauseofstrike,industrialaction,riotorcivilcommotion,adverseweatherconditionsormechanicalbreakdown;

3. theInsured personorpersonwithwhomhe/shehadarrangedtotravelorstaybeingsummonedforjuryservice,subpoenaedasawitnessatacourtoflaw,involuntarilymaderedundantfrompermanentemploymentandentitledtopaymentunderthecurrentredundancypaymentslaworcompulsorilyquarantinedduringtheoperative time of cover;

4. theInsured person’shomewithintheUnited KingdomortheChannelIslandsorthehomewithintheUnited KingdomortheChannelIslandsofanypersonwithwhomtheInsured personistravellingbeingrendereduninhabitablebyfire,stormorfloodupto14daysbeforethedeparturedate;

POLICYDOCUMENT 77

5. thepresenceoftheInsured personortravellingcompanionbeingrequiredbythepolicefollowingburglaryathis/herhomeornormalplaceofbusinessintheUnited KingdomortheChannelIslandsprovidedthatatthetimeofeffectingthisinsuranceorbookingthejourneytheInsured personwasnotawareofanyreasonwhysuchjourneymayhavetobecancelledorcurtailed.

Providedthat:1. Forcancellationclaims–notificationofcancellationofthejourneymustbegiven:

a. verballyorinwritingtotheclaims handler;b. inwritingtothetouroperatorortravelagentorinrespectofjourneysnotarrangedviaatouroperatoror

travelagenttotheaccommodationandtransportprovidersimmediatelythecircumstancesgivingrisetotheclaimoccur.

2. Forcurtailmentclaims–notificationofcurtailmentofthejourneymustbegiventotheassistance companypriortodepartingtoreturnhome.

3 Travel delay

Ifasaresultof:1. strike,2. industrialaction,3. riotorcivilcommotion,4. adverseweatherconditionsor5. mechanicalbreakdown;

thedepartureofanycoach,train,seavesseloraircraftinwhichtheInsured personisbookedtotravelduringtheoperative time of coverisdelayed,wewillpaytheInsured person:£50forbetweenfourand12hoursdelayinanysinglelegofthejourney;£100forbetween12and24hoursdelay;£200inexcessof24hoursdelay.

ProvidedthattheInsured personchecksinattheinternationalcoachterminal,railterminal,portorairportaccordingtotheofficialitinerarysuppliedandobtainswrittenconfirmationfromthecarriers(ortheirhandlingagents)ofthenumberofhoursdelayindepartureofthecoach,train,seavesseloraircraftinwhichtheInsured personwasbookedtotravelandthereasonforsuchdelay.

4 Missed departure

WewillpaytheInsured personupto£1,000inrespectofreasonableadditionalandotherwiseirrecoverabletravelandaccommodationexpenseswhichtheInsured personnecessarilyandreasonablyincursduringtheoperative time of covertopurchaseaticketforanalternativejourneytoreachhis/heroverseasdestinationorreturnfromhis/heroverseasdestinationtotheUnited KingdomortheChannelIslandsasaconsequenceof:

1. mechanicalbreakdownorstrike,riot,civilcommotion,industrialactionoradverseweatherconditionscommencingduringtheperiod of insuranceandcausinginterruptionofscheduledpublictransportservicesprovidedthatnowarningofsuchstrike,riot,civilcommotion,industrialactionoradverseweatherconditionshadbeengivenpriortobookingthejourneyorcommencementoftheperiod of insurance(whicheveristhelater);

2. accidentormechanicalfailureoftheprivatemotorvehicleinwhichtheInsured personistravelling;

occurringduringtheoperative time of coverandwhichcausestheInsured persontoarriveatthecoach,terminal,railterminal,portorairporttoolatetoboardthecoach,train,seavesseloraircraftuponwhichhe/shehadbeenbookedtotravelonhisorher:

78 POLICYDOCUMENT

a. finalinternationaldepartureontheoutboundjourneyfromtheUnited KingdomortheChannelIslands;b. finalinternationaldepartureonthereturnjourneytotheUnited KingdomortheChannelIslands;c. finalinternationaldepartureontheoutboundjourneyfromanairportintheRepublicofIrelandtoadestination

outsidetheUnited Kingdom;d. finalinternationaldepartureonthereturnjourneytoanairportintheRepublicofIrelandfromadestination

outsidetheUnited Kingdom.

ProvidedthattheInsured personchecksinatthecoachterminal,railterminal,portorairportaccordingtotheofficialitinerarysuppliedandobtains:1. writtenconfirmationfromthecarriers(ortheirhandlingagents)ofthenumberofhoursdelayandthereason

forsuchdelay;2. arepairer’sreportintheeventofaclaiminrespectofaccident,damagetoorbreakdownoftheprivatemotor

vehicleinwhichtheInsured personwastravelling.

5 Hospitalisation

WewillpaytheInsured person£50foreachfullperiodof24hoursduringtheoperative time of cover thathe/shespendsinhospitalprovidedthatwehaveacceptedliabilityunderCover1–Medicalandotherexpensessubjecttoamaximumoverallbenefitof£1,000.

Providedthatyouprovidetheclaims handlerwithin30daysofreturningfromthejourneywiththeappropriatemedicalschedule.

6 Hijack and kidnap benefit

WewillpaytotheInsured person£500foreachfullperiodof24hoursduringtheoperative time of coverthathe/sheisunlawfullydetainedagainsthis/herwill(whetherhijacked,kidnappedorotherwise)byanypersonorpersonsnotknowntohim/herprovidedthatsuchdetentionbeginsduringtheperiod of insurancesubjecttoamaximumoverallbenefitof£5,000.

Providedthatyouprovidetheclaims handlerwithin30daysofreturningfromthejourneywiththeappropriatepolicereport/writtenevidence.

7 Personal accident

WewillpaytotheInsured person£50,000ifduringtheoperative time of covertheInsured personsustainsaccidentalbodilyinjurybyviolentexternalandvisiblemeans(includingunavoidableexposuretothenaturalelements)whichindependentlyofanyothercauseresultswithin12monthsfromthedateofsuchbodilyinjuryinthedeath,loss of limb,loss of sightinoneorbotheyesorpermanent total disablement oftheInsured person.

Weshallnotpaymorethanonebenefitinconnectionwiththesameaccident.

ForanyInsured personundertheageof16yearsatthetimeofbodilyinjuryintheeventofdeaththemostwe willpayis£7,500.

8 Loss of passport

Wewillpayupto£1,000intotalforthereplacementcostofpassportplusreasonableadditionalaccommodationandtravelexpensesincurredonlybytheInsured personasaresultofthelossofhis/herpassportoccurringwhilstoutsidetheUnited KingdomortheChannelIslandsduringtheoperative time of cover.

POLICYDOCUMENT 79

Providedthat:1. upondiscoverynotificationwithin24hoursofdiscoverymustbegiventothenearestBritishConsulateorif

notholdingaBritishpassporttotheInsured person’snearestEmbassyandawrittenreportofthelossobtainedfromthem;

2. whennotbeingcarriedbytheInsured personthepassportmustbekeptinasafeorsafetydepositboxifoneisavailablewithinthebookedaccommodationoccupiedbytheInsured person.

9 Temporary loss of baggage

Wewillpayupto£300fortheemergencypurchaseorhiringofessentialclothingandtoiletryarticlesifduringtheoperative time of covertheInsured personisdeprivedofhis/herpersonal baggageforeighthoursormore.

Providedthatthenon-arrivaloftheInsured person’sbaggageisreportedimmediatelytothecarrierandawrittenreport(orinthecaseofanairlineaPropertyIrregularityReport)obtainedfromthem.Allreceiptsforitemspurchasedmustbesenttotheclaims handler.

10 Catastrophe

Wewillpayupto£1,000forequivalentadditionalandotherwiseirrecoverableaccommodationexpensesincurredbytheInsured personasaresultofbeingforcedtomovefromtheaccommodationbookedinadvanceforthejourneyfollowinganemergencyoragovernment,provincialgovernment,municipalorlocaldeclarationofsuchemergencyoccurringduringtheoperative time of cover.

11 Winter sports

Ski equipment hire chargesWewillpay£50perdaysubjecttoalimitof£750totheInsured personinrespectoftheequivalentandnecessarychargesfortheemergencyhireofski equipmentifduringtheoperative time of covertheInsured personisdeprivedoftheski equipmenttakenonthejourneyforeighthoursormorefromthetimeofarrivalatthebookeddestinationontheoutwardlegofthejourneyduetodelayormisdirectionbythecarrier(e.g.airline).

Providedthatthenon-arrivaloftheInsured person’sski equipmentisreportedimmediatelytothecarrierandawrittenreport(orinthecaseofanairlineaPropertyIrregularityReport)obtainedfromthem.

Allreceiptsforitemspurchasedmustbesenttotheclaims handler.

Piste closureIMPORTANTthiscoverisonlyvalidforjourneysduringtheresortpeakskiseason.

Wewillpay£50perdaysubjecttoalimitof£750totheInsured personifduringtheoperative time of coveritisnotpossiblefortheInsured persontoskiintheresorttowhichhe/shehadpre-bookedtotravelandinwhichhe/shehadintendedtoskiduetothetotalclosureofallonpisteskiingfacilitiessolelyanddirectlyasaresultoflackofsnoworexcessivesnoworavalancheorthreatofavalanche.

Providedthatyouprovidetheclaims handlerwithin30daysofreturningfromthejourneywithwrittenconfirmationfromthetouroperator’srepresentative(orifunavailable–theskiliftoperators)ofthedatesofclosureandreasonforclosureofsuchonpisteskiingfacilities.

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Unused ski packWewillpay£250perweeksubjecttoalimitof£1,000totheInsured personinrespectofthecostoftheliftpass,ski-schoolorski equipmenthireasadirectresultoftheInsured personsustainingaccidentalbodilyinjuryorsufferingtheonsetofillnessduringtheoperative time of coverwhichpreventshim/herfromusingskiingfacilitieswhilstcertifiedmedicallyunfittodoso.

ProvidedthatwehaveacceptedliabilityunderCover1Medicalandotherexpensesofthissectionforthemedical,hospitalortreatmentcostsorexpensesincurredinrespectofsuchinjuryorillness.

What is not covered

Inadditiontothegeneralexclusionsonpage20to22,thefollowingextraexclusionsapplytothissection:

1. Wewillnotpayfor:a. theexcess;b. anypersonaged76yearsoroveratthedate of issue;c. loss,damage,bodilyinjury,death,disease,illness,liabilitycostsorexpensesarisingoutoforinconnection

withanywilful,maliciousorcriminalactoftheInsured personorbreachofanylaworenactmentbytheInsured person;

d. anyclaimcausedbyorarisingfrom:i. pregnancyorchildbirthinrespectofanyjourneystartingand/orfinishingwithin12weeksofthe

expecteddateofbirth;ii. wilfullyselfinflictedillnessorinjury,theabuseofalcohol,drugaddiction,theinfluenceofdrugs

(exceptdrugstakeninaccordancewithtreatmentprescribedanddirectedbyaregisteredmedicalpractitionerotherthanfordrugaddiction),solventabuse,sexuallytransmitteddiseases,travelwherethepurposeoftravellingistoobtainmedicaltreatmentoradvice;

iii. mentalillness,anxietyordepression;e. loss,damage,bodilyinjury,death,disease,illness,liabilitycostsorexpensesattributabledirectlyor

indirectlytoHumanImmunodeficiencyVirus(HIV)and/oranyHIVrelatedillnessincludingAcquiredImmuneDeficiencySyndrome(AIDS)and/oranymutantderivativesorvariationsthereof;

f. death,injury,illnessordisablementdirectlyorindirectlyresultingfromorconsequentupontheInsured person’sownsuicideorattemptedsuicideordeliberateexposuretodanger(exceptinanattempttosavehumanlife)ortheInsured person’sowncriminalact;

g. anInsured personengaginginmilitary,navalorairservicesoroperations(otherthanreserveorvolunteertrainingasamemberofoneoftheofficiallyrecognisedUnitedKingdomvolunteerreserveforces);

h. anyclaimdirectlyorindirectlycausedby,contributedtoorarisingfromajourneytoadestinationwheretheForeignandCommonwealthOfficehasadvisedagainstalltravelorallbutessentialtravelbeforethejourneycommences.

2. Anyclaim:a. arisingifatthetimeofpurchasingthisinsurancetheInsured personortravellingcompanionisawareof

anycircumstanceswhichcouldreasonablybeexpectedtogiverisetoaclaimunderthisinsurance;b. iftheInsured persontravelsagainstmedicaladvice;c. forelectivemedicalordentaltreatmentorexploratorytests;d. fordentalworkinvolvingpreciousmaterial;e. fortreatmentwhichintheopinionofamedicalordentalpractitionercouldreasonablybedelayeduntilthe

returnoftheInsured persontotheUnited KingdomortheChannelIslands;f. formedical,hospitalortreatmentexpenseswhichtheInsured personknowsatthetimeofdepartureon

thejourneywillberequiredorrequiredtobecontinuedduringthecourseofsuchjourney;

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g. forchargesleviedforservicesrenderedortreatmentreceivedafter12monthsfromthedateofanyincidentgivingrisetoaclaim.

3. Thefollowingcostsandexpensesunlesstheyhavebeenauthorisedbytheassistance company:a. inpatient,hospital,clinicornursinghomeexpenses;b. repatriationtransportationoradditionalhotelortravelcostsandexpenses;c. burialorcremationcostsoutsidetheUnited KingdomortheChannelIslands;d. chargesleviedforservicesrenderedortreatmentreceivedintheUnited KingdomortheChannel

Islands;e. curtailmentnotnotifiedtoandauthorisedbytheassistance company.

4. ThedisinclinationtotraveloftheInsured personoranypersonwithwhomhe/sheistravelling.5. AnytripwithintheUnited KingdomunlesstheInsured personhaspre-bookedaccommodationortraveland

thetripisforaminimumoftwonights.6. ThisinsurancedoesnotapplywhilsttheInsured personisengagingin:

a. airtravelotherthanasapassengerinalicensedaircraftbeingoperatedbyalicensedcommercialaircarrier;

b. hunting,diving,potholing,caving,mountaineering(ordinarilynecessitatingtheuseofropesorguides)speedortimetrialsorracingofanykindotherthanonfoot.

7. Weshallnotbeliableforanyclaimcausedbyorarisingfromthefailureofanycomputerhardwareorsoftwareorotherelectricalequipmenttorecogniseorprocessanydateasthetruecalendardate.ThisexclusiondoesnotapplytoCover1–MedicalandOtherExpensesorCover7–Personalaccident.

8. Weshallnotbeliableforanyclaimsarisingdirectlyorindirectlyforjourneysthatareexpectedtoexceed90daysdurationunlessdeclaredtoandacceptedinwritingbyus.

9. Thisexclusiononlyappliestothefollowingcoversunder'Whatiscovered':Cover1-MedicalandotherexpensesCover2-Cancellationorcurtailment Atthetimeajourneybeginsorisbookedwe willnotcoveranyclaimarisingfromamedicalconditionorchangeinhealthofanInsured person, relative orclose business colleaguewhere:a. theInsuredpersonrelative orclose business colleagueknewaboutthemedicalcondition;b. theInsuredpersonrelative orclose business colleagueisawaitingtestsortestresultsinconnection

withthemedicalcondition;c. theInsuredpersonrelative orclose business colleagueisscheduledtoreceivetreatmentforthe

medicalcondition;unlessthemedicalconditionisnormallystable,undercontrolandtheInsured person,relative orclose business colleaguehasnotreceivedtreatmentasanin-patientorout-patientmorethanonceinthelast12monthsortheconditionisonewewillaccept(seelistbelow).

Acceptable ConditionsAcidRefluxorDyspepsiaAcneADHD(AttentionDeficitHyperactivityDisorder)Allergicreaction(Anaphylaxis)providedthatyouhavenotneededhospitaltreatmentinthelasttwoyearsAllergicrhinitisArthritis(theaffectedpersonmustbeabletowalkindependentlyathomewithoutusingmobilityaids)Asthma(thediagnosismusthavebeenmadewhentheaffectedpersonwasundertheageof50,andtheasthmacontrolledbynomorethantwoinhalersandnoothermedication)BlindnessorpartialsightednessCarpeltunnelsyndromeCataractsChickenpox(ifcompletelyresolved)Commoncoldorinfluenza

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Cutsandabrasions(thatarenotself-inflictedandrequirenofurthertreatment)Cystitis(providingthereisnoongoingtreatment)DeafnessDiabetes(controlledbydietortabletsonly)Diarrhoeaandvomiting(ifcompletelyresolved)EczemaEnlargedprostate(benignonly)EssentialtremorGlaucomaGoutHayfeverHaemorrhoidsHypothyroidism-UnderactiveThyroidHyperthyroidism-OveractiveThyroidIBS-IrritableBowelSyndromeLigamentortendoninjury(providedtheaffectedpersonisnotcurrentlybeingtreated)MaculardegenerationMenopauseMigraine(providingtherearenoongoinginvestigations)NasalpolypsPMT-PremenstrualTensionRSI-RepetitiveStrainInjurySinusitis(providingthereisnoongoingtreatment)Skinorwoundinfections(thathavecompletelyresolvedwithnocurrenttreatment)SinusitisTinnitusTonsillitisUrinaryincontinence(notrelatedtoinfections)UrticariaVaricoseveinsinthelegs

Conditions

1 Precautions

TheInsured personmusttakeallreasonablecare:1. toavoidandpreventbodilyinjuryandsickness;2. nottobookorundertakethejourneyagainstmedicaladviceorifhe/shehasanyreasontobelievethatsuch

journeymayhavetobecancelledorcurtailed.

2 Our rights in the event of a claim

Theclaims handlershallbeentitledbutnotboundtotakeoverandconductinthenameoftheInsured personthedefenceorsettlementofanyclaimortoprosecuteinthenameoftheInsured personforourownbenefitanyclaimforindemnityordamagesorotherwiseandshallhavefulldiscretionintheconductofanyproceedingsandinthesettlementofanyclaim.