Your HOME InsurancE Policy Booklet

Section 1: BuildingsVandalism or malicious acts We don’t cover: damage caused by paying guests or tenants loss or damage when it has been more than60 days since you last slept at your homeon a regular basis (which doesn’t includeoccasional visits or stays).B Additional coverFalling trees or branchesWe will pay for accidental damage tounderground drains, pipes, cables and tankswhich you are legally responsible for and whichprovide services to or from your home. We don’t cover damage to fences, gates orhedges.Falling TV aerials, radio aerials, satellite dishesand their fittingsPlease note:- if you have our Buildings cover, your buildingsare covered for loss or damage caused by fallingTV aerials, radio aerials, satellite dishes and theirfittings. But our Buildings cover does not coverdamage to TV aerials, radio aerials, satellitedishes and their fittings themselves- if you have our Contents cover, this coversdamage to your TV aerials, radio aerials,satellite dishes and their fittings themselves(see Section 2).Frost damage to water pipes and tanks We don’t cover: water pipes or tanks that are outside water pipes or tanks in outbuildings loss or damage when it has been more than60 days since you last slept at your homeon a regular basis (which doesn’t includeoccasional visits or stays).You’re covered forService pipes and cables We won’t pay for loss or damage when it hasbeen more than 60 days since you last slept atyour home on a regular basis (which doesn’tinclude occasional visits or stays).Loss of keysWe will pay to replace and fit locks: on the outside doors of your home; or to any safe or alarm system in your home if thekeys have been lost or stolen.Emergency entry to buildings and gardensWe will pay for loss of or damage to yourbuildings or garden landscaping caused bythe fire brigade, police or ambulance servicemaking a forced entry because of an emergencyinvolving you.Alternative accommodation,kennel fees and lost rentWe will pay up to 25,000, in total, for alternativeaccommodation for you and kennel fees for yourpets, and lost rent, if:Riot, civil unrest, labour disputes or politicaldisturbance your home is uninhabitable while it is beingrepaired, due to a valid claim you have madeunder Section 1.Weight of snow your home is occupied by squatters.This includes cover for garages and outbuildings,but only if they:Alternative accommodation where appropriatewill be reflective of the individuals’ needs.Each claim will be reviewed taking into accountthe duration, location and occupancy and willcontinue for the shortest amountof time necessary to restore your home toa habitable condition. are built of brick, stone or concrete, and have a tile or slate roof. We don’t cover damage to fences, gates orhedges.Page 9

Section 1: Buildings continuedB Additional cover continued We won’t pay for: any subscription based services to youralternative accommodation any costs associated with keeping livestockand/or horses.Please note we may not pay for costs youincur without our prior agreement.Clearance costsWe will pay the costs of clearing the site andmaking it safe if we need to before repairing orrebuilding the buildings after damage coveredunder Section 1.Professional feesWe will pay fees for chartered architects,surveyors, suitably qualified consultants andlegal fees necessary for us to rebuild your home. We won’t pay any fees for preparing yourclaim.Government or local authority regulationsand requirementsWe will pay the additional costs of rebuildingor repairing the damaged part of the buildingsonly if this is necessary to comply with anygovernment or local authority regulations andrequirements after damage covered underSection 1. We won’t pay if you were told about therequirement before the damage happened.The time between exchange and completionwhen selling your homeWe will cover the buyer of your home underSection 1 until the sale completes, as long as theproperty isn’t insured under any other policy.Page 10C Accidental coverThis cover is optionalYou’re covered forAccidental damage to the buildings.Accidental damage is sudden and unintentionalphysical damage that happens unexpectedly.You’re not covered for We won’t pay for: damage caused by any paying guestor tenant loss or damage when it has been more than60 days since you last slept at your homeon a regular basis (which doesn’t includeoccasional visits or stays). damage by a cause listed in or specificallyexcluded by Section 1A, other than:– tobacco burns– loss or damage caused by wateroverflowing from sinks, wash basins,bidets, showers and baths as a result oftaps being left on in your home.

Section 1: BuildingsD Property owner’s liabilityYou’re covered forProperty owner’s liabilityWe will pay up to 2,000,000 to cover your legalliability for damages you have to pay if someonemakes a claim against you for: accidental death or illness of, or bodily injuryto, any person accidental loss of or damage to property.This will also include costs, expenses and legalfees for defending you, if we have agreed this inwriting beforehand.You’re not covered for Damages resulting from claims made againstyou for: death or illness of or bodily injury to you oryour domestic staff. damage to property belonging to or in thecustody or control of you or your domesticstaff death, illness, injury, loss or damage causedby any business any liability created by an agreement,unless you would have had that liabilityanyway. any incident that happens outside theperiod of insurance.We will pay ifThe death, illness, bodily injury, loss or damagemust be caused solely by you, either: as owner of your current home, or by defective work carried out by you or onyour behalf to any private residence within theUnited Kingdom that you used to ownAny liability that arises solely from youoccupying your home, but not as owner of theproperty, is not covered under this section.However if you have our Contents cover, thiscovers liabilities arising from you occupying yourhome.Previous homesIf the claim is for a home you used to own andlive in: you must not be covered by any otherinsurance, and you must no longer have any interest in thatproperty.Page 11

Section 1: Buildings continuedE If you claimFor example, if your premium was 75% of what itwould have been if the sum insured was enoughto rebuild your buildings, we will pay no morethan 75% of your claim.How we settle claimsYour excessIf the buildings are damaged by any of thecauses listed in [Section 1], we will either:You will have to pay any excesses shown in yourschedule. This includes the specific excessesfor: repair or rebuild the damaged part using oursuppliers p ay to repair or rebuild the damaged partusing your suppliers make a cash paymentIf we can repair or rebuild the damaged part, butwe agree to use your suppliers or make a cashpayment, we will only pay you what it would havecost us using our suppliers and therefore theamount you receive may be lower than the costcharged by your suppliers.If we cannot repair or rebuild the damaged part,we will pay the full cost of rebuild or repair.If the damage to the buildings isn’t repairedor rebuilt, we may pay the difference betweenthe market value of your property immediatelybefore the damage and its value after thedamage.We may take off an amount for wear and tear ifthe buildings were not in a good state of repairat the time of the damage.How much we will payThe most we will pay for any claim will be: the total sum insured shown on your scheduleor the full rebuild cost of your buildings,whichever is less, plus any amounts due under the following parts ofSection 1B: Alternative accommodation, kennel feesand lost rent Clearance costs Professional fees Government or local authority regulationsand requirements.If the sum insured isn’t enough to cover the costto rebuild your buildings, we will reduce anypayment in line with the premium shortfall.Page 12 subsidence, heave or landslip escape of water.We will only take off one excess for each claim,unless there is an endorsement shown in yourpolicy schedule to say otherwise.If we have asked a supplier to deal with all or partof your claim, we may ask them to collect theexcess from you.Our guaranteeWe guarantee any work carried out by oursuppliers for 12 months. We don’t provide anyguarantee for work carried out by a supplierchosen and instructed by you.Reducing your sum insuredWe will not reduce the sum insured after payinga claim.What we don’t pay for We won’t pay: to alter or restore any undamaged part ofthe buildings to replace or alter any undamaged itemssolely because they are part of a set, suite,group or collection.

Section 2: ContentsSection 2: ContentsTheft or attempted theft from your homeThe cover we provideDefined words appear in bold – see page 35 fordefinitions. Your schedule will show if you havethis cover.A Core coverThe contents in your home arecovered for damage caused byStorm or floodWater or oil escaping from fixed water orheating systemsWe also cover water or oil escaping from: underground drains and pipes domestic appliances storage tanks. We don’t cover: subsidence, heave or landslip damagecaused by escaping water or oil under thissection. However, you may have coverunder the section ‘Subsidence or heaveof the site on which your home stands, orlandslip’ below tanks, pipes, appliances or heating systemsthemselves damage caused by the failure, wear and tearor lack of grouting or sealant loss or damage caused by wateroverflowing from sinks, wash basins, bidets,showers and baths as a result of taps beingleft on in your home. However, you mayhave cover under Section 2C Accidentaldamage. Your schedule will show if youhave this cover. loss or damage when it has been more than60 days since you last slept at your homeon a regular basis (which doesn’t includeoccasional visits or stays).Fire, explosion, lightning, earthquake andsmoke We don’t cover loss or damage caused by: heat distortion unless accompanied byflames tobacco burns, unless accompanied byflames. We don’t cover: loss by deception, unless the onlydeception used is to get into your home loss of money unless force and violence isused to get into or out of your home loss or damage caused by paying guests ortenants, or while your home or any part ofit is let loss or damage when it has been more than60 days since you last slept at your homeon a regular basis (which doesn’t includeoccasional visits or stays).We will pay up to 2,500 for any contentsclaim following a theft from your garages oroutbuildings.Being hit by vehicles, aircraft, flying objectsand animalsWe also cover damage from anything that dropsfrom an aircraft or flying object. We don’t cover: damage caused by pets.Subsidence or heave of the site on which yourhome stands, or landslip We don’t cover loss or damage caused by: normal bedding down of new structures orshrinkage settling of newly made up ground coastal or river erosion demolition or structural repairs or changesto your home.Vandalism or malicious acts We don’t cover: loss or damage caused by paying guests ortenants loss or damage when it has been more than60 days since you last slept at your homeon a regular basis (which doesn’t includeoccasional visits or stays).Falling trees or branchesFalling TV aerials, radio aerials, satellite dishesand their fittingsRiot, civil unrest, labour disputes or politicaldisturbancePage 13

Section 2: Contents continuedB Additional coverYou’re covered forFrozen and chilled foodsWe will pay the cost of replacing any food in yourfreezer or fridge that is lost or damaged by:Alternative accommodation, kennel fees andstorageWe will pay up to 15,000 if your home isuninhabitable following a valid claim made underSection 2A or 2C for: the cost of providing alternativeaccommodation for you and kennel fees foryour pets while your home is uninhabitable the temperature rising or falling the cost of temporarily storing your contentswhile your home is being repaired. the refrigerant or refrigerant fumes escaping.We will only provide cover for your contents if: We won’t pay: if your freezer or fridge is over 10 years old,unless it is regularly serviced for loss or damage resulting from adeliberate act or neglect by you, or by yourelectricity provider or their employees oragents for loss or damage when it has been morethan 60 days since you last slept at yourhome on a regular basis (which doesn’tinclude occasional visits or stays). they aren’t covered by any other insurancepolicyLoss of keysWe will pay to replace and fit locks: on the outside doors of your home; or to any safe or alarm system in your home if thekeys have been lost or stolen.Moving homeWe will pay for loss of or damage to yourcontents by a cause listed under Sections 2A(and 2C, if shown in your schedule) while thecontents are being moved from your hometo another private property that you are goingto live in permanently within the British Isles.This includes cover while the contents aretemporarily stored for up to 72 hours. We won’t pay for loss or damage: to money to china, glass, earthenware or other fragileitems to bicycles caused by any paying guest or tenant.Oil and metered waterWe will pay for the value of: oil from a domestic heating installation metered water that is lost by a cause insuredunder Section 2A.Page 14 we have arranged for their temporary storage.Alternative accommodation where appropriatewill be reflective of the individuals’ needs. Eachclaim will be reviewed taking into accountthe duration, location and occupancy andwill continue for the shortest amount of timenecessary to restore/replace your contents and/or to make your home habitable. We won’t pay for: any subscription based services to youralternative accommodation any costs associated with keeping livestockand/or horses.Please note we may not pay for costs youincur without our prior agreement.Contents outsideWe will pay up to 1,000 for loss of or damageto your contents from any of the causes listedunder Sections 2A (and 2C, if shown in yourschedule) while they are outside but within theboundaries of your home. We won’t pay for: loss of money loss of or damage to bicycles loss or damage when it has been more than60 days since you last slept at your homeon a regular basis (which doesn’t includeoccasional visits or stays).

Section 2: ContentsContents temporarily away from your homeDownloaded contentWe will pay up to 5,000 for loss of or damage tocontents from any cause insured under Section2A while the items are temporarily away fromyour home in the British Isles.We will pay up to 1,000 to replace contentthat you have bought and stored on your homecomputer, mobile phone or other portableentertainment device that is lost or damaged byany cause listed in Section 2A. We won’t pay for: bicycles camping equipment loss of money loss by deception loss of or damage to guests’ belongings loss by theft, vandalism or malicious actsunless these happen in an occupied privatehome or building where you work, or forceand violence is used to enter the building personal possessionIf you have our Personal Possessionscover, this covers damage to or loss ofyour personal possessions.Contents at university, college or boardingschoolWe will pay up to 5,000 for loss of or damageto contents from any cause insured underSection 2A while the items are being kept in yourlodgings whilst you’re away at university, collegeor boarding school in the British Isles. We won’t pay for: bicycles camping equipment loss of money loss by deception loss of or damage to guests’ belongings loss by theft, unless there is evidence offorcible and violent entry to your lodgings personal possessionsIf you have our Personal Possessionscover, this covers damage to or loss ofyour personal possessions. We won’t pay for rewriting the lostinformation.Garden plantsWe will pay up to 1,000 for loss of or damage to trees,shrubs, plants and lawns at your home andany design fees necessary to put it right.Within this limit we will pay up to 250 for anyone plant, shrub or tree. for loss of or damage to trees, shrubs, plantsand lawns following subsidence, but only ifyour home is damaged at the same time andby the same cause. We won’t pay for: loss or damage caused by any pets, otheranimals, birds, insects, fungus, or frost trees, shrubs, plants or lawns which dienaturally, or die because you haven’t lookedafter them properly loss or damage caused by storm, flood, orweight of snow loss or damage when it has been more than60 days since you last slept at your homeon a regular basis (which doesn’t includeoccasional visits or stays).Birth of a child, religious festivals andweddings or civil partnershipsWe will increase the sum insured for contents by10% for 30 days before and 30 days after: you have a baby a religious festival that you celebrate your wedding or civil partnership ceremony.The date of the birth, wedding, civil partnershipor religious festival and the 30 days periods,must be within the period of insurance on yourschedule.Title deedsWe will pay the cost of preparing new title deedsto your home after loss or damage by any causeinsured under Section 2A while the deeds are inyour home or in your bank for safe keeping.Page 15

Section 2: Contents continuedC Accidental coverD Personal liabilityThis cover is optionalYou’re covered forYou’re covered forAccidental damage to your contentsWe will pay for accidental damage to yourcontents while they are in your home or beingmoved to your new home.Accidental damage is sudden and unintentionalphysical damage that happens unexpectedly.Personal liabilityLiabilities arising from you occupying yourhome and your personal liabilities as a privateindividual in and away from your home.We will pay up to 2,000,000 to cover your legalliability for damages you have to pay if someonemakes a claim against you during the period ofinsurance for:You’re not covered for accidental death or illness of, or bodily injuryto, any person We won’t pay for: damage to bicycles damage to money damage caused by any paying guestor tenant loss or damage when it has been more than60 days since you last slept at your homeon a regular basis (which doesn’t includeoccasional visits or stays). damage by a cause listed in or specificallyexcluded by Section 2A, other than:– tobacco burns– loss or damage caused by wateroverflowing from sinks, wash basins,bidets, showers and baths as a result oftaps being left on in your home. accidental loss of or damage to property.Page 16This will also include costs, expenses and legalfees for defending you, if we have agreed this inwriting.Any liability that arises solely from you owningyour home is not covered under this section.However, you may have cover under ‘Propertyowner’s liability’ if you have our Buildings cover.

Section 2: ContentsYou’re not covered for Any liability relating to: death or illness of or bodily injury to you oryour domestic staff damage to property belonging to or beinglooked after by you or your domestic staff death, illness, injury, loss or damage causedby:– you owning or occupying any land orbuilding except your home or temporaryholiday accommodation– any business– an agreement, unless that liability wouldhave existed anyway. you owning, keeping or using any:– vehicles, except caravans and trailerswhile they are not being towed– drones or model aircraft– animals except domestic pets– horses, ponies, donkeys or mules– dangerous dogs as described underthe Dangerous Dogs Act 1991 or theDangerous Dogs (Northern Ireland)Order 1983 and any updates to thatlegislation. any disease that can be passed from oneperson to another.E Employer’s liabilityYou’re covered forEmployer’s liabilityWe will pay up to 5,000,000 to cover damagesyou become legally liable to pay for any claimcaused by a single incident involving accidentaldeath or illness of or bodily injury to yourdomestic staff.This will also include costs, expenses andlegal fees, if we have

Your home insurance contract is made up of this policy booklet your schedule your proposal confirmation. What you need to do Please read this policy booklet and your schedule to make sure you know exactly what your insurance covers. Check your proposal confirmation and your schedule, which sets out the information you have given us .