Summary of Cover
Loss or damage to Contents while in your
Home by:
• Fire, explosion, lightening, earthquake
• Water or oil escaping from any fixed water or heating
installation or domestic appliance including fixed fish tanks
• The building being hit by an aircraft, flying object or
anything falling from them or by a vehicle, train or animal
• Falling trees or branches
• Riot, civil commotion, strikes, labour or political
disturbances
• Malicious people or vandals
• Storm or flood
• Theft or attempted theft
Cover also includes:
• Rent or other accommodation if your home cannot be lived
in due to specified causes, including the cost of kennel
accommodation for domestic pets
• Temporary removal of your contents
• Accidental breakage of mirrors, ceramic hobs, fixed
glass in furniture and cookers, televisions, video recorders,
hi-fi, DVD players and satellite decoders
• Deep freeze contents
• Tenant's liability and third liability
• Accidental death
• Lost or stolen keys
• Replacing documents
• Loss of metered water and oil
• Wedding and Christmas gifts
• Bogus officials
Cover limits:
• a) Pictures, works of art, collection of
coins, medals or stamps, furs, ornaments - 20% of the contents sum
insured
b) Jewellery, watches, binoculars, clocks, cameras and their
equipment, camcorders, personal computers and their equipment,
televisions and video recorders and any other property made of
precious metal - 20% of the contents sum insured.
c) Up to £200 on credit cards
d) up to £200 for money
e) Compact discs, video tapes, cassettes, computer software and
DVDs - £500 in all
• Loss or damage to deep freezer contents up to £100
• Cost of replacing locks to external doors up to £200
following either loss or theft of keys
• Fixed allowance of £100 per bedroom and £200 for each
other room for decoration
• Tenant legal liability - up to 15% of the contents sum
insured
• Cost of alternative accommodation - up to 15% of the
contents sum insured
• Personal and occupiers liability to third parties - up
to £2.5 million
• Liability to employees - up to £5 million
• Fatal injury to insured person or spouse by accident,
fire or burglars in the home - compensation £5000
• Theft from domestic out buildings, garages and
greenhouses - up to £250
• Cost of replacing documents - up to £500
• Accidental breakage of mirrors, ceramic hobs, fixed glass
in furniture and cookers, televisions, video recorders, hi-fi, DVD
players and satellite decoders - up to 15% of the contents sum
insured
• Wedding and Christmas gifts - £1500
• Loss of metered water or oil for heating - £750
• Bogus officials - up to £200
Policy exclusions
• Accidental damage to contents, unless listed under Cover
limits above
• Scorching without a fire actually starting
• Mechanical breakdown or electrical equipment
• Personal possessions away from or outside your home.
Claims settlements
'New for old' replacement for all
articles other than items of clothing and household linen and
carpets over 5 years old, which are subject to deduction for wear
and tear.
This is a brief summary of cover. There are conditions
and limitation in the policy wording, a copy of which will be
provided on request.