TENANTS CONTENTS INSURANCE MADE SIMPLE Sedgefield

Document Sample
TENANTS CONTENTS INSURANCE MADE SIMPLE Sedgefield Powered By Docstoc
					TC0329D.qxd:TC0329B    12/7/11     11:07    Page 1




                         TENANTS CONTENTS INSURANCE
                                MADE SIMPLE




                                                                            in association with




             Sedgefield Borough                                No hidden costs - what you see is
                                                               what you pay (see overleaf for costs)
             Homes has negotiated a                            Includes cover for internal fixtures
                                                               you have installed if damaged by
             Home Contents Insurance                           an insured peril
                                                               Includes cover for theft and loss of keys
             Scheme designed                                   No excess payment required if you
                                                               claim
             specifically for our                              New for old cover (except clothing
                                                               and household linen where an
             tenants.                                          allowance for wear and tear is
                                                               deducted)
                                                               Low minimum sum insured
             At these prices, can                              (see overleaf)
                                                               Easy payments weekly, fortnightly,
             you afford not to be                              monthly or annually
             insured?                                          No additional security required on
                                                               your home
                                                               Optional extensions to cover:
                                                               Personal Belongings, Wheelchairs
                                                               and Hearing Aids available

      Return your application form to RSA Direct Group Property Services
        4 Sidings Court Doncaster DN4 5NU Telephone: 0845 6718172
        ROYAL & SUN ALLIANCE INSURANCE PLC, ST. MARK’S COURT, CHART WAY, HORSHAM, WEST SUSSEX RH12 1XL
TC0329D.qxd:TC0329B    12/7/11     11:07     Page 2




           Table to help you calculate your
           sum insured
                                                        Replacement Cost
           Lounge
               Carpets and floor coverings
               Curtains and fittings
               Furniture
               General items (eg. ornaments)
               TV, video, audio and visual equipment
               Valuables

           Kitchen
               Carpets and floor coverings
               Curtains and fittings
               Household appliances
               Cooking utensils, cutlery and crockery
               Cleaning equipment and materials
               Food and drink
               Valuables

           Hall, stairs and landings
               Carpets and floor coverings
               Curtains and fittings
               Furniture
               General items

           Dining Room
               Carpets and floor coverings
               Curtains and fittings
               Furniture
               Valuables
           Bathroom
               Carpets and floor coverings
               Curtains and fittings
               Fixtures and fittings
               Linen and bedding

           Bedrooms
               Carpets and floor coverings
               Curtains and fittings
               Furniture
               Linen and bedding
               General items
               TV, video and visual equipment
               Valuables

           Other rooms
               Toys and baby equipment
               Domestic tools
               General items


                                Total sum insured
      2
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        What it will cost
        Rating Area 1
        Postcodes - DL
        Tenants aged 60 or over

        Sum Insured         Weekly             Fortnightly          Monthly            Annually
                                                   Standard            Standard            Standard
                               Standard incl
                                                      incl                incl                incl
                      Standard Accidental Standard            Standard            Standard
                                                   Accidental          Accidental          Accidental
                                 Damage
                                                    Damage              Damage              Damage
           6,000       £0.79      £0.96      £1.31   £1.67     £2.58     £3.45     £25.46    £35.71
           7,000       £0.92      £1.12      £1.52   £1.95     £3.01     £4.03     £29.71    £41.66
           8,000       £1.05      £1.27      £1.74   £2.23     £3.44     £4.60     £33.95    £47.61
           9,000       £1.18      £1.43      £1.96   £2.51     £3.87     £5.18     £38.20    £53.56
           10,000      £1.31      £1.59      £2.18   £2.79     £4.30     £5.76     £42.44    £59.51
           11,000      £1.45      £1.75      £2.39   £3.06     £4.73     £6.33     £46.68    £65.46
           12,000      £1.58      £1.91      £2.61   £3.34     £5.16     £6.91     £50.93    £71.41
           13,000      £1.71      £2.07      £2.83   £3.62     £5.60     £7.48     £55.17    £77.37
           14,000      £1.84      £2.23      £3.05   £3.90     £6.03     £8.06     £59.42    £83.32
           15,000      £1.97      £2.39      £3.27   £4.18     £6.46     £8.63     £63.66    £89.27
           16,000      £2.10      £2.55      £3.48   £4.46     £6.89     £9.21     £67.90    £95.22
           17,000      £2.23      £2.71      £3.70   £4.74     £7.32     £9.78     £72.15   £101.17
           18,000      £2.37      £2.87      £3.92   £5.01     £7.75    £10.36     £76.39   £107.12
           19,000      £2.50      £3.03      £4.14   £5.29     £8.18    £10.94     £80.64   £113.07
           20,000      £2.63      £3.19      £4.35   £5.57     £8.61     £11.51    £84.88   £119.02
           21,000      £2.76      £3.35      £4.57   £5.85     £9.04    £12.09     £89.12   £124.98
           22,000      £2.89      £3.50      £4.79   £6.13     £9.47    £12.66     £93.37   £130.93
           23,000      £3.02      £3.66      £5.01   £6.41     £9.90    £13.24     £97.61   £136.88
           24,000      £3.15      £3.82      £5.23   £6.69     £10.33   £13.81    £101.86   £142.83
           25,000      £3.29      £3.98      £5.44   £6.97     £10.76   £14.39    £106.10   £148.78
           26,000      £3.42      £4.14      £5.66   £7.24     £11.19   £14.96    £110.34   £154.73
           27,000      £3.55      £4.30      £5.88   £7.52     £11.62   £15.54    £114.59   £160.68
           28,000      £3.68      £4.46      £6.10   £7.80     £12.05    £16.11   £118.83   £166.63
           29,000      £3.81      £4.62      £6.31   £8.08     £12.48   £16.69    £123.08   £172.59
           30,000      £3.94      £4.78      £6.53   £8.36     £12.91   £17.27    £127.32   £178.54
           31,000      £4.07      £4.94      £6.75   £8.64     £13.34   £17.84    £131.56   £184.49
           32,000      £4.21      £5.10      £6.97   £8.92     £13.77   £18.42    £135.81   £190.44
           33,000      £4.34      £5.26      £7.18   £9.19     £14.20   £18.99    £140.05   £196.39
           34,000      £4.47      £5.42      £7.40   £9.47     £14.63   £19.57    £144.30   £202.34
           35,000      £4.60      £5.58      £7.62   £9.75     £15.06   £20.14    £148.54   £208.29
           36,000      £4.73      £5.74      £7.84  £10.03     £15.49   £20.72    £152.78   £214.24
           37,000      £4.86      £5.89      £8.06  £10.31     £15.92   £21.29    £157.03   £220.20
           38,000      £4.99      £6.05      £8.27  £10.59     £16.36   £21.87    £161.27   £226.15
           39,000      £5.13      £6.21      £8.49  £10.87     £16.79   £22.45    £165.52   £232.10
           40,000      £5.26      £6.37      £8.71   £11.14    £17.22   £23.02    £169.76   £238.05


        Nil Excess
        All premiums are inclusive of Insurance Premium Tax at the current rate.




                                                                                                        3
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           Rating Area 1
           Postcodes - DL
           All other tenants


            Sum Insured         Weekly            Fortnightly           Monthly               Annually
                                                                           Standard
                                  Standard incl       Standard incl                                Standard incl
                                                                              incl
                          Standard Accidental Standard Accidental Standard              Standard    Accidental
                                                                           Accidental
                                    Damage              Damage                                       Damage
                                                                            Damage
               9,000       £1.23     £1.59      £2.13    £2.87       £4.23   £5.87      £45.36       £64.73
              10,000       £1.37     £1.76      £2.36    £3.18       £4.70   £6.53      £50.40       £71.92
              11,000       £1.50     £1.94      £2.60    £3.50       £5.17   £7.18      £55.44        £79.11
              12,000       £1.64     £2.11      £2.84    £3.82       £5.64   £7.83      £60.48       £86.31
              13,000       £1.77     £2.29      £3.07    £4.14       £6.11   £8.49      £65.52       £93.50
              14,000       £1.91     £2.47      £3.31    £4.46       £6.58   £9.14      £70.56       £100.69
              15,000       £2.05     £2.64      £3.54    £4.78       £7.05   £9.79      £75.60       £107.88
              16,000       £2.18     £2.82      £3.78    £5.09       £7.52  £10.44      £80.64       £115.07
              17,000       £2.32     £3.00      £4.02    £5.41       £8.00   £11.10     £85.68       £122.27
              18,000       £2.46     £3.17      £4.25    £5.73       £8.47   £11.75     £90.72       £129.46
              19,000       £2.59     £3.35      £4.49    £6.05       £8.94  £12.40      £95.76       £136.65
              20,000       £2.73     £3.52      £4.73    £6.37       £9.41  £13.05      £100.80      £143.84
              21,000       £2.87     £3.70      £4.96    £6.69       £9.88  £13.71      £105.84      £151.04
              22,000       £3.00     £3.88      £5.20    £7.00      £10.35  £14.36      £110.88      £158.23
              23,000       £3.14     £4.05      £5.43    £7.32      £10.82  £15.01      £115.92      £165.42
              24,000       £3.28     £4.23      £5.67    £7.64      £11.29  £15.66      £120.96      £172.61
              25,000       £3.41     £4.41      £5.91    £7.96      £11.76  £16.32      £126.00      £179.80
              26,000       £3.55     £4.58      £6.14    £8.28      £12.23  £16.97      £131.04      £187.00
              27,000       £3.69     £4.76      £6.38    £8.60      £12.70  £17.62      £136.08      £194.19
              28,000       £3.82     £4.93      £6.62    £8.91      £13.17  £18.28      £141.12      £201.38
              29,000       £3.96     £5.11      £6.85    £9.23      £13.64  £18.93      £146.17      £208.57
              30,000       £4.10     £5.29      £7.09    £9.55      £14.11  £19.58      £151.21      £215.76
              31,000       £4.23     £5.46      £7.33    £9.87      £14.58  £20.23      £156.25      £222.96
              32,000       £4.37     £5.64      £7.56    £10.19     £15.05  £20.89      £161.29      £230.15
              33,000       £4.50     £5.82      £7.80    £10.51     £15.52  £21.54      £166.33      £237.34
              34,000       £4.64     £5.99      £8.03    £10.82     £15.99  £22.19      £171.37      £244.53
              35,000       £4.78     £6.17      £8.27    £11.14     £16.46  £22.84      £176.41      £251.73
              36,000       £4.91     £6.34      £8.51    £11.46     £16.93  £23.50      £181.45      £258.92
              37,000       £5.05     £6.52      £8.74    £11.78     £17.40  £24.15      £186.49      £266.11
              38,000       £5.19     £6.70      £8.98    £12.10     £17.87  £24.80      £191.53      £273.30
              39,000       £5.32     £6.87      £9.22    £12.42     £18.34  £25.46      £196.57      £280.49
              40,000       £5.46     £7.05      £9.45    £12.74     £18.81   £26.11     £201.61      £287.69

           Nil Excess
           All premiums are inclusive of Insurance Premium Tax at the current rate.




      4
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     Rating Area 2
     Postcodes - TS
     Tenants aged 60 or over

     Sum Insured         Weekly            Fortnightly          Monthly             Annually
                            Standard            Standard            Standard            Standard
                               incl                 incl                incl               incl
                   Standard            Standard            Standard            Standard
                            Accidental          Accidental          Accidental          Accidental
                             Damage              Damage              Damage              Damage
         6,000      £0.87     £1.05     £1.48      £1.87    £2.98      £3.92    £30.19    £41.23
         7,000      £1.01     £1.22     £1.72      £2.18    £3.48      £4.58    £35.23    £48.10
         8,000      £1.15     £1.39     £1.97      £2.49    £3.98      £5.23    £40.26    £54.97
         9,000      £1.30     £1.57     £2.21      £2.80    £4.48      £5.88    £45.29    £61.84
        10,000      £1.44     £1.74     £2.46      £3.11    £4.97      £6.54    £50.32    £68.71
        11,000      £1.59     £1.92     £2.70      £3.43    £5.47      £7.19    £55.36    £75.58
        12,000      £1.73     £2.09     £2.95      £3.74    £5.97      £7.84    £60.39    £82.45
        13,000      £1.88     £2.27     £3.20      £4.05    £6.47      £8.50    £65.42    £89.32
        14,000      £2.02     £2.44     £3.44      £4.36    £6.96      £9.15    £70.45    £96.20
        15,000      £2.16     £2.62     £3.69      £4.67    £7.46      £9.81    £75.49   £103.07
        16,000      £2.31     £2.79     £3.93      £4.98    £7.96     £10.46    £80.52   £109.94
        17,000      £2.45     £2.96     £4.18      £5.29    £8.46     £11.11    £85.55   £116.81
        18,000      £2.60     £3.14     £4.43      £5.61    £8.95     £11.77    £90.58   £123.68
        19,000      £2.74     £3.31     £4.67      £5.92    £9.45     £12.42    £95.62   £130.55
        20,000      £2.89     £3.49     £4.92      £6.23    £9.95     £13.07   £100.65 £137.42
        21,000      £3.03     £3.66     £5.16      £6.54    £10.45    £13.73   £105.68 £144.29
        22,000      £3.17     £3.84     £5.41      £6.85    £10.94    £14.38   £110.71   £151.16
        23,000      £3.32     £4.01     £5.65      £7.16    £11.44    £15.04   £115.75   £158.04
        24,000      £3.46     £4.18     £5.90      £7.47    £11.94    £15.69   £120.78 £164.91
        25,000      £3.61     £4.36     £6.15      £7.79    £12.44    £16.34   £125.81 £171.78
        26,000      £3.75     £4.53     £6.39      £8.10    £12.93    £17.00   £130.84 £178.65
        27,000      £3.90     £4.71     £6.64      £8.41    £13.43    £17.65   £135.88 £185.52
        28,000      £4.04     £4.88     £6.88      £8.72    £13.93    £18.30   £140.91 £192.39
        29,000      £4.18     £5.06     £7.13      £9.03    £14.43    £18.96   £145.94 £199.26
        30,000      £4.33     £5.23     £7.38      £9.34    £14.92    £19.61   £150.97 £206.13
        31,000      £4.47     £5.40     £7.62      £9.65    £15.42    £20.27   £156.01 £213.00
        32,000      £4.62     £5.58     £7.87      £9.96    £15.92    £20.92   £161.04 £219.88
        33,000      £4.76     £5.75      £8.11    £10.28    £16.41    £21.57   £166.07 £226.75
        34,000      £4.91     £5.93     £8.36     £10.59    £16.91    £22.23   £171.10 £233.62
        35,000      £5.05     £6.10     £8.60     £10.90    £17.41    £22.88   £176.14 £240.49
        36,000      £5.19     £6.28     £8.85     £11.21    £17.91    £23.53   £181.17 £247.36
        37,000      £5.34     £6.45     £9.10     £11.52    £18.40    £24.19   £186.20 £254.23
        38,000      £5.48     £6.63     £9.34     £11.83    £18.90    £24.84   £191.23 £261.10
        39,000      £5.63     £6.80     £9.59     £12.14    £19.40    £25.50   £196.27 £267.97
        40,000      £5.77     £6.97     £9.83     £12.46    £19.90    £26.15   £201.30 £274.84


     Nil Excess
     All premiums are inclusive of Insurance Premium Tax at the current rate.




                                                                                                     5
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     Rating Area 2
     Postcodes - TS
     All other tenants

     Sum Insured        Weekly            Fortnightly           Monthly             Annually
                            Standard            Standard            Standard            Standard
                               incl                incl                incl                incl
                   Standard            Standard            Standard            Standard
                            Accidental          Accidental          Accidental          Accidental
                             Damage              Damage              Damage              Damage
           9,000    £1.44     £1.83      £2.57    £3.38      £5.22    £7.02     £57.03   £78.21
          10,000    £1.60     £2.04      £2.86    £3.75      £5.80    £7.80     £63.37   £86.90
          11,000    £1.76     £2.24      £3.14    £4.13      £6.38    £8.58     £69.71   £95.59
          12,000    £1.93     £2.45      £3.43    £4.51      £6.96    £9.36     £76.04   £104.28
          13,000    £2.09     £2.65      £3.71    £4.88      £7.54   £10.14     £82.38   £112.97
          14,000    £2.25     £2.85      £4.00    £5.26      £8.12   £10.92     £88.72   £121.66
          15,000    £2.41     £3.06      £4.29    £5.63      £8.70    £11.69    £95.05   £130.35
          16,000    £2.57     £3.26      £4.57    £6.01      £9.28   £12.47    £101.39 £139.04
          17,000    £2.73     £3.47      £4.86    £6.38      £9.86   £13.25    £107.73 £147.73
          18,000    £2.89     £3.67      £5.14    £6.76     £10.44   £14.03    £114.06 £156.42
          19,000    £3.05     £3.87      £5.43    £7.13     £11.02   £14.81    £120.40 £165.11
          20,000    £3.21     £4.08      £5.72    £7.51     £11.60   £15.59    £126.74 £173.80
          21,000    £3.37     £4.28      £6.00    £7.89     £12.18   £16.37    £133.08 £182.48
          22,000    £3.53     £4.48      £6.29    £8.26     £12.76   £17.15    £139.41 £191.17
          23,000    £3.69     £4.69      £6.57    £8.64     £13.34   £17.93    £145.75 £199.86
          24,000    £3.85     £4.89      £6.86    £9.01     £13.93   £18.71    £152.09 £208.55
          25,000    £4.01     £5.10      £7.14    £9.39     £14.51   £19.49    £158.42 £217.24
          26,000    £4.17     £5.30      £7.43    £9.76     £15.09   £20.27    £164.76 £225.93
          27,000    £4.33     £5.50      £7.72   £10.14     £15.67   £21.05    £171.10 £234.62
          28,000    £4.49     £5.71      £8.00   £10.51     £16.25   £21.83    £177.43 £243.31
          29,000    £4.65     £5.91      £8.29   £10.89     £16.83   £22.61    £183.77 £252.00
          30,000    £4.81     £6.12      £8.57    £11.26    £17.41   £23.39    £190.11 £260.69
          31,000    £4.97     £6.32      £8.86    £11.64    £17.99   £24.17    £196.44 £269.38
          32,000    £5.13     £6.52      £9.14   £12.02     £18.57   £24.95    £202.78 £278.07
          33,000    £5.29     £6.73      £9.43   £12.39     £19.15   £25.73    £209.12 £286.76
          34,000    £5.45     £6.93      £9.72   £12.77     £19.73   £26.51    £215.46 £295.45
          35,000    £5.62     £7.13     £10.00   £13.14     £20.31   £27.29    £221.79 £304.14
          36,000    £5.78     £7.34     £10.29   £13.52     £20.89   £28.07    £228.13 £312.83
          37,000    £5.94     £7.54     £10.57   £13.89     £21.47   £28.85    £234.47 £321.52
          38,000    £6.10     £7.75     £10.86   £14.27     £22.05   £29.63    £240.80 £330.21
          39,000    £6.26     £7.95     £11.14   £14.64     £22.63   £30.41    £247.14 £338.90
          40,000    £6.42     £8.15     £11.43   £15.02     £23.21   £31.19    £253.48 £347.59

     Nil Excess
     All premiums are inclusive of Insurance Premium Tax at the current rate.




      6
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   Optional Extras
       Personal Belongings
       Tenants aged 60 or over or residents of Sheltered or Supported Accommodation
             SUM INSURED            WEEKLY        FORTNIGHTLY           MONTHLY    ANNUALLY
                 £1,000              £0.50              £1.01              £2.18    £26.16
                 £2,000              £0.69              £1.37              £2.98    £35.72
                 £3,000              £0.89              £1.78              £3.85    £46.25
       All other tenants
             SUM INSURED            WEEKLY        FORTNIGHTLY           MONTHLY    ANNUALLY
                 £1,000              £0.80              £1.61              £3.48    £41.78
                 £2,000              £1.04              £2.08              £4.50    £54.00
                 £3,000              £1.27              £2.55              £5.52    £66.22



       Wheelchairs
       Tenants aged 60 or over or residents of Sheltered or Supported Accommodation
             SUM INSURED            WEEKLY        FORTNIGHTLY           MONTHLY    ANNUALLY
                 £1,000              £0.86             £1.72               £3.72    £44.67
                 £2,000              £1.72             £3.44               £7.44    £89.33
                 £3,000              £2.58             £5.15              £11.17    £134.00
       All other tenants
             SUM INSURED            WEEKLY        FORTNIGHTLY           MONTHLY    ANNUALLY
                 £1,000              £1.10             £2.20               £4.76    £57.07
                 £2,000              £2.20             £4.39               £9.51    £114.14
                 £3,000              £3.29             £6.59              £14.27    £171.21



       Hearing Aids
       Tenants aged 60 or over or residents of Sheltered or Supported Accommodation
             SUM INSURED            WEEKLY        FORTNIGHTLY           MONTHLY    ANNUALLY
                 £1,000              £0.76             £1.53               £3.31    £39.70
                 £2,000              £1.53             £3.05               £6.62    £79.40
                 £3,000              £2.29             £4.58               £9.92    £119.10
       All other tenants
             SUM INSURED            WEEKLY        FORTNIGHTLY           MONTHLY    ANNUALLY
                 £1,000              £0.98             £1.95               £4.23    £50.72
                 £2,000              £1.95             £3.90               £8.45    £101.44
                 £3,000              £2.93             £5.85              £12.68    £152.17

       All premiums are inclusive of Insurance Premium Tax at the current rate.
TC0329D.qxd:TC0329B        12/7/11      11:08      Page 8




                                    SUMMARY OF COVER
       LOSS OR DAMAGE TO CONTENTS WHILE IN                   4.  Personal belongings away from or outside your
       YOUR HOME OR STUDENT LODGINGS BY:                         home, unless the personal belongings cover
       1. Fire, explosion, lightning, earthquake.                option is chosen.
       2. Water or oil escaping from any fixed water or      COVER LIMITS
           heating installation or domestic appliance.       1. a - 1/3rd of the contents sum insured for
       3. The building being hit by an aircraft, flying                 valuables which are items of jewellery,
           object or anything falling from them, or by a                watches, furs, pictures, clocks,
           vehicle, train or animal.                                    collections of coins, works of art, medals
       4. Falling trees or branches.                                    or stamps and property made of precious
       5. Riot, civil commotion, strikes, labour or                     metal. Limit any one valuable – £1,250.
           political disturbances.                                b - £500 limit on money and credit cards.
       6. Malicious people or vandals.                            c - Satellite dishes – up to £250.
       7. Storm or flood.                                    2. Cost of replacing locks to external doors up to
       8. Theft or attempted theft.                               £500 following loss or theft of keys.
       COVER ALSO INCLUDES                                   3. Tenants legal liability – up to 20% of the
       1. Rent or other accommodation if your home                contents sum insured.
           cannot be lived in due to specified causes.       4. Cost of alternative accommodation – up to
       2. Temporary removal of your contents.                     20% of the contents sum insured.
       3. Deep freezer contents.                             5. Personal and occupiers liability to third parties
       4. Tenant’s liability and Third Party liability.           – up to £2.5 million.
       5. Accidental death.                                  6. Liability to domestic employees – up to £5
       6. Lost or stolen keys.                                    million.
       7. Replacing lost or damaged documents.               7. Theft of contents from domestic outbuildings
       8. Domestic animals.                                       or garages – up to £2,000.
       9. Theft of money by bogus officials.                 8. Cost of replacing documents – up to £250.
       10. Temporary Increase in the Sum Insured -           9. Accidental death – £5,000.
           Religious Festivals gifts.                        10. Theft of money by bogus officials – up to
       11. Visitors personal belongings.                          £300.
       12. Accidental damage to televisions, video           11. Accidental death cover for your cat or dog –
           players and recorders, hi-fi systems, satellite        up to £200 to replace your pet.
           decoders, DVD players, computer equipment,        12. Contents in domestic garages owned/rented
           fixed aerials, masts and satellite dishes.             within the British Isles – up to £2,000.
           Accidental breakage of mirrors, ceramic hobs      13. Visitors personal belongings – up to £250.
           in cookers and fixed glass in furniture.          14. Metered water or oil – up to £1,000.
       13. Loss of metered water and oil.                    15. Contents in the open – up to £250.
       14. Students possessions.                             16. Student Possessions – up to £2500.
       15. Contents in the open.                             17. Trees and shrubs – up to £250.
       16. Professional removals.                            18. Accidental damage to televisions, video
       17. Trees and shrubs.                                      players and recorders, hi-fi systems , satellite
                                                                  decoders, DVD players, computer equipment,
       POLICY EXCLUSIONS
                                                                  fixed aerials, masts and satellite dishes.
       1. Accidental damage to contents is limited to
                                                                  Accidental breakage of mirrors, ceramic hobs
          that shown under Cover Limits opposite, unless
                                                                  in cookers and fixed glass in furniture - no
          the Full Accidental Damage cover option is
                                                                  limit except for satellite dishes up to £200.
          chosen.
                                                             19. Temporary Increase in the Sum Insured -
       2. Scorching without a fire actually starting.
                                                                  Religious festivals gifts - up to 10% of the
       3. Mechanical breakdown of electrical
                                                                  Sum Insured on contents.
          equipment.
TC0329D.qxd:TC0329B        12/7/11        11:08     Page 9




                                     SUMMARY OF COVER
                                        (continued)
       OPTIONAL EXTENSIONS                                     maximum of 14 days. If you require this extension,
       Accidental Damage Extension to the Contents             please ensure you tick the box and enter the
       Accidental damage to your contents in your home,        amount of cover required on the application form.
       excluding damage to contact lenses, food, drink,        Hearing Aids and Wheelchairs
       plants, clothing, sporting equipment whilst in use      Up to £3,000 cover available for Hearing Aids and
       and damage as a result of household removals. If        Wheelchairs which are owned by any member of
       you require this extension, please ensure you tick      your household or for which they are responsible,
       the box on the application form.                        whilst in the British Isles and temporarily elsewhere
       Personal Belongings                                     in Europe up to the maximum of 14 days. If you
       Up to £3,000 cover available for Personal               require either of these extensions, please ensure
       Belongings, pedal cycles and sports equipment           you tick the appropriate boxes and enter the
       whilst in the British Isles and temporarily elsewhere   amount of cover you require on the application
       in Europe up to the                                     form.


             This is a brief summary of cover. There are conditions and limitations in the policy wording,
                                    a copy of which will be provided on request.
TC0329D.qxd:TC0329B   12/7/11   11:08   Page 10




     We’ve thought about your insurance, have you?




       Apply today for peace of mind
            at a reasonable cost
TC0329D.qxd:TC0329B             12/7/11         11:08        Page 11




                                           APPLICATION FORM                                               Is this a New Application?
                                                                                                          Is this a Change?
                                                                                                          If so, give details



   Please use block letters and tick correct boxes where appropriate
   A copy of the completed Application Form is available on request but you should keep a record of all information supplied to us for
   the purpose of entering into this contract. A specimen policy is available on request.
   The questions on the form relate to facts considered material to underwriting the insurance. If you answer them fully and honestly
   you will be considered to have fulfilled your duty to disclose material facts. Failure to do so may invalidate your insurance. If you are
   in doubt, please advise us. Remember to sign and date the Declaration at the end of the form. If there is insufficient space for your
   response, please continue on a separate sheet of paper if necessary.

    Full Name    Mr/Mrs/Miss/Ms
    of Applicant
    (Joint tenants and
    co-habitees must be named
    and must sign this form)
    Address of your home to be
    insured



                                                                                                          Postcode

                                                                         Date of
    Tenancy No.                                                          Birth                       Tel No.
    Precise                                                                                        Cover to start on
    Occupation

    Please answer all of the following Questions
    Whenever we ask questions on the Application Form about your household, we mean You and Your
    family (including your partner and all children) who normally reside with you.
    1. Have you or any member of your household who normally reside with you at your current                                     YES     NO
       address or elsewhere
       a) made a claim to any insurer in the last five years in respect of household contents insurance?
       b) suffered any loss or damage while not insured but which would have resulted in a claim if a household
          contents policy had been in force at the time?
       c) been refused any insurance or had special terms or conditions applied or cover cancelled by an Insurer?
       d) been convicted of any offence other than parking or speeding offences or offences which are spent under
          the Rehabilitation of Offenders Act 1974?
       e) had insurance under the council scheme cancelled?
    IF YOU HAVE ANSWERED YES TO QUESTIONS 1A TO 1E, PLEASE GIVE FULL DETAILS ON A SEPARATE SHEET
    OF PAPER STATING THE QUESTION NUMBER AND INCLUDE DATES AND LOSS AMOUNTS.

    AMOUNT TO BE INSURED
    To the nearest £1,000
    (note minimum amounts)          £

    It is important that the sum chosen is sufficient to replace ALL your Household Goods and Personal Belongings.
    If the Sum Insured is inadequate you will have to bear a rateable proportion of any claim.
    a) Do you require the full accidental damage option (see cost of cover tables)?
    b) Do you require the extension in cover for Personal Belongings (see cost of cover tables)?                        £
    c) Do you require the extension in cover for Wheelchairs (see cost of cover tables)?                                £
    d) Do you require the extension in cover for Hearing Aids (see cost of cover tables)?                               £
    Method of Payment
    Weekly               Fortnightly          Monthly             Monthly               Annually by cheque           Annually by
    payment card         payment card         direct debit        payment card          or postal order              credit/debit card
TC0329D.qxd:TC0329B            12/7/11          11:08      Page 12




                               IMPORTANT INFORMATION
     Claims and Underwriting Exchange
     Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd (IDS
     Ltd). The aim is to help us to check information provided and also to prevent fraudulent claims. When we deal with your
     request for insurance, we may search the register. When you tell us about an incident (such as fire, water damage or theft)
     which may or may not give rise to a claim, we will pass information relating to it to the register.
     You can ask us for more information about this.
     You should show this notice to anyone who has an interest in property insured under the policy.

     Law Applicable to the Contract
     UK Law allows the parties to this contract a choice of the Law applicable to the contract. This contract is governed by the
     Law of Scotland if you live in Scotland and English Law if you live elsewhere in the UK except as specified to the contrary
     elsewhere in your policy.
     Policies are underwritten by Royal & Sun Alliance Insurance plc in the United Kingdom.

     Complaints Procedure
     We have a complaints procedure in place, both with an independent facility and in-house. For further details please refer to
     your policy document.
     You will receive your policy documents within the next few days. If you have any queries before you have received the details
     please feel free to call RSA on 0845 071 0143 and they will be pleased to help you. You have the right to take your case to
     the Financial Ombudsman Service.
     For your protection telephone calls may be monitored or recorded.

     Data Protection
     All personal information supplied by you will be treated in confidence by the RSA Group of companies and will not be
     disclosed to any third parties except where your consent has been received or where permitted by law. In order to provide
     you with products and services this information will be held in the data system of the RSA Group of companies or our agents
     or subcontractors.
     The RSA Group of companies may pass your personal information to other companies for processing on it’s behalf. Some of
     these companies may be based outside Europe in countries which may not have laws to protect your personal information,
     but in all cases the Group will ensure that it is kept securely and only used for the purposes for which you provided it. Details
     of the companies and countries involved can be provided to you on request.

     Your right to cancel the policy
     If having examined your policy you decide not to proceed with the insurance, you will have 14 days to cancel it starting on
     the day you receive the policy documentation. On receipt of your written notice we will refund any premiums already paid,
     unless we have been notified of a claim.


     Declaration
     Important Note: Before you sign this form, please read it again making sure all questions are answered in full. Check that
     the answers which have been given are correct. Once you and any joint applicant sign this form you are responsible for its
     accuracy. To give false information knowingly in answer to any of the questions in order to obtain insurance or to obtain a
     reduced premium could be a criminal offence and will certainly invalidate your insurance.
     I/We declare that to the best of my/our knowledge and belief the statements made by me/us or on my/our behalf are true and
     complete.
     I/We consent to the searching of information from other insurers to check the answers l/we have provided and l/we authorise
     the giving of information for such purposes.
     I/We understand that you will pass the information on this form and about any incident l/we may give details of to IDS Ltd so
     that they can make it available to other insurers. I/we also understand that, in response to any searches you may make in
     connection with this application or any incident l/we have given details of, IDS Ltd may pass you information it has received
     from other insurers about other incidents involving anyone insured under the policy.

     Signature of Applicant                                                                   Date

     (Joint tenants or co-habitees must sign)                       PLEASE INITIAL ANY ALTERATIONS ON THIS APPLICATION FORM


                                              Royal & Sun Alliance Insurance plc, No. 93792
                     Registered in England and Wales at St. Mark’s Court, Chart Way, Horsham, West Sussex RH12 1XL
                                      Authorised and regulated by the Financial Services Authority.


                                                                                                                               TC0329D | 07/11

				
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