Your policy includes:
Your policy is based on all the information you gave us about you, your family, your buildings and your personal circumstances when you applied for your policy. It is your responsibility to:
Your policy does not cover everything. For example, it does not cover wear and tear or the cost of maintenance. The items and events which are not covered by your policy are described:
There are limits on the amount covered under each paragraph of each section of your policy for any single event or series of events. We list these limits in your policy schedule and/or your latest policy summary document.
Every time we or you make a change to your policy we will send you a new policy schedule.
You will be able to tell from your policy schedule whether you have an extended contract because your insurance period will be more than 12 months. In that case, special terms and conditions will apply together with those set out in your policy booklet. We will give you a copy of these special terms and conditions which you should keep with your policy booklet. If there is any difference between the two, these special terms and conditions will apply.
All cover except home emergency cover and legal expenses cover is provided by St Andrew’s Insurance plc.
Home emergency cover is provided by Inter Partner Assistance S.A.
Legal expenses cover is provided by DAS Legal Expenses Insurance Company Limited.
You must tell us within 30 days if you know that:
We may re-assess your cover and premiums when we are told about changes in your circumstances. If you do not tell us about changes, the wrong terms may be quoted, a claim might be rejected or payment could be reduced. In some circumstances your policy might be invalid.
If you do not:
then we may reduce a claim payment or may refuse a claim.
The contents cover premium is based on the sum insured you have chosen. This should be adequate to cover the full cost of repair or replacement. If the true value of the contents (less a deduction for wear and tear to clothing) is higher than your sum insured, this is known as "Underinsurance". If you claim and are underinsured, we will only pay a proportion of your claim. This is because you have paid an insufficient premium. For example, if the sum insured you have chosen is only equal to 70% of the true value of the contents, we will only pay 70% of your claim.
Your policy is based on trust and we rely on the honesty of our policyholders.
However, if you, any of your family or anyone acting for you provides false information or documentation or withholds important information to obtain cover under your policy, or cover at a reduced premium, for which you do not qualify then:
If you, any of your family or anyone acting for you:
then we:
Index linking will apply to contents cover only.
We will increase the sum insured you have chosen using the Consumer Price Index or a similar index, to help protect you from the effects of inflation. When you renew your policy, if the index has risen, your sum insured shown on your policy schedule will have been changed to include the rise.
Please note, the policy inner limits under contents cover, such as freezer food or short term accommodation, shown on your policy summary document will not be raised by index linking. For your protection, we will not reduce your sum insured if the index has moved down.
Whatever sum insured you choose, you should check the sum insured from time to time to ensure that it remains adequate, particularly when you make new purchases or acquisitions.
You must pay the premium for each insurance period.
You can choose to pay the premium in full or in monthly instalments by whichever method we notify to you.
If you choose to pay your premium monthly, you must continue to do so until the end of the insurance period unless you:
If you do not pay a premium on the date it is due, you will not be covered under your policy for any event happening between that date and the date you bring your premium payments up-to-date unless we agree otherwise.
We will remind you of the details of your policy at the end of every insurance period. You must regularly check your policy details to ensure that your policy still meets your needs.
As part of our commitment to you we review our home insurance products on a regular basis so we can continue to deliver value for money and ensure the best quality. This may from time to time involve changing one of the insurers or the terms and conditions of your cover on renewal.
You agree that we may change an insurer on renewal without seeking your permission to do so.
If we offer to renew your policy automatically, you give us permission to do so on the basis of the renewal premium and policy conditions details of which we will send you before the renewal date. If you do not wish us to do this, you can call us to let us know before the renewal date.
Before we renew your policy, we may review your past claims history. As a result of this review, we may not offer you the same type or level of cover at renewal.
We guarantee all claims related work done by our approved contractors for 12 months from the date of completion.
The Financial Services Compensation Scheme (FSCS) may be able to help you if we cannot meet our liabilities. For claims against insurance companies, the first £2,000 of a claim on this type of insurance policy is covered in full, plus 90% of the balance. For further details you can contact the FSCS on 020 7892 7300 or at enquiries@fscs.org.uk.
Yourpolicy will be written in English and all communications will be in English.
It is agreed that your policy is governed by the law of England and Wales.
Calls to 0845 numbers from a BT landline will cost a maximum of 5p per minute and a 6p call set-up fee. The price of calls from other telephone companies may vary. Prices up to date November 2007.
Certain words on this page have a special meaning and appear in bold type. These special meanings are explained on the Words We Use page.
