Endorsements

Endorsements are Special Terms and Conditions which apply and form part of your policy.

Failure to comply with these may result in a claim being rejected, amended terms or a policy being invalid.

Theft / Malicious damage Joint/Tenanted Property - Buildings

WE will not pay for damage by malicious damage, theft or attempted theft under the BUILDINGS section, if the damage is caused by any of YOUR FAMILY, tenants, members of the tenants family or friends, squatters or other persons lawfully on the premises.

Theft / Malicious damage Joint/Tenanted Property - Contents

WE will not pay for damage by malicious damage, theft or attempted theft under the CONTENTS section, if the damage is caused by any of YOUR FAMILY, tenants, members of the tenants family or friends, squatters or other persons lawfully on the premises.

Stamp and Coin Collection – SPECIFIED ITEMS

If the stamp or coin collection is lost or damaged WE will pay:

• up to 60% of its catalogue value based on the Stanley Gibbons (for stamp collections) or Seabys (for coin collections)
• up to 5% of the sum insured for the whole collection for any single stamp or coin.
  WE do not cover the stamp collection outside the BRITISH ISLES.
  The EXCESS shown on YOUR schedule applies to any claim

Important note:
In the event of loss or damage to the SPECIFIED ITEMS, the original purchase receipt or valuation which predates the loss must be produced before any claim payment can be made.

Pedal Cycle – SPECIFIED ITEMS

WE will not pay for:

• Any cycle which is motorised.
• Loss or damage to any pedal cycle which is lost or damaged while used for racing.
• Loss of any pedal cycle left in a public place unless the pedal cycle is locked to a fixed structure.

Important note
In the event of loss or damage to the SPECIFIED ITEMS, the original purchase receipt or valuation which predates the loss must be produced before any claim payment can be made.

Minimum Security Standards - Please refer to YOUR policy schedule for the sections that apply to YOUR policy

WE will not pay for any loss or damage in the HOME under the BUILDINGS section, the CONTENTS section, the PERSONAL BELONGINGS section, and  the SPECIFIED ITEMS section caused by;

• Riot, civil commotion;
• Malicious damage;
• Theft or attempted theft using force and violence to get into or out of YOUR HOME;
• Theft or attempted theft not using force and violence to get into or out of YOUR HOME;

When there is not a member of YOUR FAMILY at HOME, or when the residents retire for the night, unless all the following locks and security devices are fitted on all external doors and windows and are in use (other than windows in occupied bedrooms).

1. All external doors are locked by a 5-lever mortice or a uPVC multipoint door lock? 
2. All outbuildings, garages, accessible windows (including those accessible from adjacent roofs or walls) and patio doors have key operated locks.

If the terms of this condition are not met, WE may elect to impose a £250 EXCESS to loss or damage by theft.

Minimum Security Standards - Please refer to YOUR policy schedule for the sections that apply to YOUR policy

WE will not pay for any loss or damage in the HOME under the BUILDINGS section, the CONTENTS section, the PERSONAL BELONGINGS section, and  the SPECIFIED ITEMS section caused by;

1. Riot, civil commotion;
2. Malicious damage;
3. Theft or attempted theft using force and violence to get into or out of YOUR HOME;
4. Theft or attempted theft not using force and violence to get into or out of YOUR HOME;

When there is not a member of YOUR FAMILY at HOME, or when the residents retire for the night, unless there is a fully operational burglar alarm system in place which is:

1. set, and YOU have taken the keys to YOUR alarm with YOU
2. kept in working order at all times
3. checked by the installers or another suitably qualified maintenance company at least every 12 months.

If the terms of this condition are not met, WE may elect to impose a £250 EXCESS to loss or damage by theft.