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Bed and Breakfast
Policy
Introduction


Thank you for choosing MMA Insurance. This is your Bed and Breakfast Insurance
Policy. This Policy is a contract between you and us and is based on the information
you gave us when you applied for the insurance and your agreement to pay the
premium. If any of the information is incorrect, you may find you have no cover at
all. You should keep it in a safe place; you may need to refer to it if you have to
make a claim.

We will insure you under those sections shown in your schedule according to the
terms and conditions of this Policy.

This Policy, your schedule and any endorsements should be read as if they are one
document. Please read them carefully to make sure they provide the cover you
require.

Please read this Policy carefully and check that it meets your requirements. Any
query should be immediately referred to your Insurance Broker or Intermediary.
Contents


                                                              Page
Introduction                                      inside front cover
Contact Numbers                                                   2
Definitions                                                       3
Customer Information                                              7
    • Complaints Procedure                                        7
    • Financial Services Compensation Scheme                      7
    • Exchange of Information                                     8
    • Cancellation                                                8
Policy Conditions that apply to Sections A-D                      9
Policy Exceptions that apply to Sections A-D                      11
Policy Cover
    Section A – Buildings                                        13
    Section B – Contents                                         17
    Section C – Personal Possessions                             25
    Section D – Pedal Cycles                                     26
How to make a claim under Sections A-D                           27
How we settle your claim under Sections A-D                      28
Policy Cover under Section E – Legal Protection                  32
Policy Conditions that apply to Section E                        36
Policy Exceptions that apply to Section E                        42
Customer Information under Sections E                            44
Claims under Sections E                                          49
Policy Cover under Section F – Endorsements                      50
About MMA                                                        54

                                                                  1
Contact Numbers


Claims
For claims under sections A-D:
MMA Property Care Line – 24 hours a day, 365 days a year
• Telephone: 0844 902 0789
• Fax: 0845 604 8628
• In Writing: Property Care Line, PO Box 471, Cardiff CF10 3WJ
• For Online Claims Assistance complete our Online Claims Form at
  www.mma-insurance.com
• See pages 27-31 for full details of how to make a claim and how we settle your claim
  – MMA Property Care Line is a UK-based service
  – Our staff are highly trained and can confirm whether your policy covers you for
    the incident
  – Please have your policy number to hand when phoning
  – In the event of you wishing to make a claim you must follow the procedures we
    have detailed in this policy, failing which we will not be liable for your claim.
For claims under section E:
Check your schedule to see whether you have purchased this section
• Legal Protection (Section E) – 0844 902 0761
  See page 49 for full details of how to make a claim

LawCare
The LawCare service enables you to obtain confidential expert advice on any
personal and business related legal problem 24 hours a day 365 days a year. The
advice given in most cases, is immediate, and is geared to providing you with easily
understood practical help. Comprehensive advice is available on all areas of domestic
and business legal issues such as personal injury matters, motor related disputes,
property worries, statutory rights and matrimonial problems etc.
How to use LawCare:
1. To contact this service telephone 0844 902 0761 anytime day or night 365 days a year
2. Quote code number 71841
3. State your question or problem
The LawCare service is totally confidential. The only information that needs to be
given is your code number. There is no limit to the number of times you can use the
service. The LawCare service is provided by FirstAssist Services Limited.

2
Definitions


Certain words have specific meanings        5. standard construction
when they appear throughout this            Your home is constructed:
policy. They are printed in bold type.
                                            •   with external walls of brick stone or
1. we, us or our                                concrete and not more than 20% of
                                                the total external wall area being
MMA Insurance plc.
                                                clad with timber or UPVC shiplap
2. you or your                                  and;
You and your domestic partner and           •   roofed externally with slates tiles or
members of your family(ies) if they are         concrete and not more than 20% of
permanently living with you.                    the total external roof area either
                                                flat or covered with felt.
3. home
The Dwelling and its extensions and         6. buildings
private garages which are built of          The home, its permanent fixtures and
Standard Construction (unless we            fittings, wooden laminate or vinyl
agree otherwise in writing) at the          flooring coverings, patios, terraces,
Address occupied as your private            paths, drives, walls, gates, hedges and
residence and for the provision of bed      fences, hard tennis courts, sunken
and breakfast facilities.                   swimming pools, cesspits, septic tanks,
                                            central heating fuel tanks, ornamental
4. bed and breakfast
                                            ponds, fountains, lampposts and
The use of your home in providing           railings, sheds and greenhouses, all
overnight accommodation and meals           situated at the risk address shown on
for paying guests.                          your schedule.
There is no cover under this policy if:
                                            Buildings does not include land, trees,
•   used for residents referred by the      shrubs and plants, aerials, satellite
    Department of Work and Pensions         receiving equipment or masts, carpets
    or Local Government or Charitable       whether fitted or not.
    Organisations;
• it is being used as a hostel;
• it caters for more than 6 guests;
• self-catering facilities are available.

                                                                                    3
Definitions
continued




7. fixtures and fittings                        models or toys, domestic gardening
•   Built-in furniture and kitchen units;       equipment, golf carts or trolleys,
                                                and vehicles which are designed to
•   Built-in domestic appliances;
                                                assist disabled persons and are not
•   Fixed glass and sanitary ware;              registered for road use), any form
•   Fixed pipes, ducts, tanks, wires,           of aircraft (including models) or
    cables, switches, fires, central            hovercraft, boats, boards or any
    heating equipment, boilers and              other craft or equipment designed
    storage heaters;                            for use in or on water, caravans,
                                                horse boxes, trailers, and their parts,
•   Light fittings.                             spares or accessories for any of
                                                them;
8. contents
                                            •   Deeds (other than as provided by
Household goods and personal
                                                paragraph 18 of Section B),
possessions belonging to you or for
                                                securities, documents, personal
which you are legally liable including:
                                                money or credit cards (other than
•   Aerials their fittings and masts;           as provided by paragraph 23 of
•   Satellite dishes;                           Section B);

•   High risk items;                        •   Wooden laminate or vinyl flooring
                                                covering;
•   Carpets whether fitted or not;
                                            •   Landlords’ fixtures and fittings;
•   Any outbuilding at the Address
                                            •   Any living creature;
    belonging to you if you do not own
    your home;                              •   Trees, shrubs or plants;
•   Guests Effects;                         •   Mobile phone airtime.

•   Pedal cycles up to £500;
                                            9. credit cards
•   Mobile phones.                          Credit cards, debit cards, cheque cards
                                            and cash dispenser cards.
Contents does not include:
•   Any electrically or mechanically        10. money
    powered vehicles (other than            •   Current cash and bank notes;
    battery or pedestrian operated
                                            •   Cheques and travellers cheques;

4
Definitions
continued




•   Postal and Money Orders;                about the person, which belong to you
•   National Saving Stamps and              or your family or which you are legally
    Certificates and premium bonds;         responsible for.

•   Saving trading and current postage      personal possessions does not
    stamps;                                 include:
•   Luncheon vouchers, phonecards           •   Anything which is defined as not
    and tickets;                                included under contents;
•   Gift tokens.                            •   Camping equipment;

11. high risk items                         •   Deeds, electronically stored data,
                                                personal money or credit cards;
Any item pair or set of any of the
following:                                  •   Household goods, domestic
                                                appliances, furnishings, furniture,
•   jewellery watches or furs;
                                                china, glass or pottery;
•   sculptures, pictures, paintings or
                                            •   Pedal cycles;
    other works of art;
                                            •   Tools.
•   precious metals or stones or any
    articles partly or wholly composed      13. guests effects
    of them;
                                            Clothing baggage and personal effects
•   any collection of:                      designed to be either worn used or
    – stamps or medals                      carried on or about the person
    – coins or banknotes.                   belonging to a paying guest.

High risk items does not include            Guests Effects does not include:
furniture.                                  •   High risk items;

12. personal possessions                    •   Camping equipment or riding tack;

Luggage, clothing, jewellery, spectacles,   •   Children’s car seats and all other
sports equipment, musical instruments,          motor vehicle accessories;
photographic equipment, mobile              •   Cycles;
phones and other items which are
normally used, worn on or carried

                                                                                      5
Definitions
continued




•   Equipment designed and/or used          18. excess
    for aquatic mountaineering aerial or    The first part of any claim which you
    other hazardous pursuits;               must pay.
•   Household goods furniture and           This amount is shown in the Schedule
    furnishings;                            and applies to Sections A, B, C and D
•   Money Securities and Documents;         other than Sections A17, B24 and B25
                                            where no excess applies.
•   Pushchairs (including buggies)
    prams and the like;
•   Tools;
•   Mobile phone air time.

14. income
The money paid or payable to you for
bed and breakfast less the cost of
purchases relative to the business.

15. unoccupied or unfurnished
•   Insufficiently furnished for full
    habitation or;
•   Without an adult in authorised
    residence for more than 30
    consecutive days.

16. geographical limits
Great Britain the Channel Islands and
the Isle of Man.

17. bodily injury
Death, Bodily Injury, illness or disease.




6
Customer Information


Complaints Procedure                       which is available on request or may
It is always our intention to provide a    be downloaded via our website.
first class standard of service. However
                                           If you should remain dissatisfied, once
we do appreciate that occasionally
                                           MMA has had the opportunity to
things do go wrong. In some cases the
                                           resolve your complaint, you may be
broker or intermediary who arranged
                                           eligible to refer your complaint to the
your insurance will be able to resolve
                                           Financial Ombudsman Service (FOS).
any concerns, and you should contact
                                           For further details they can be
them directly.
                                           contacted at South Quay Plaza,
Alternatively, depending on the section    183 Marsh Wall, London E14 9SR.
of your policy please contact us as        www.financial-ombudsman.org.uk.
noted below, quoting your policy or
                                           There are a few instances where the
claim number.
                                           FOS is not able to assist and you must
For buildings, contents, personal          have allowed the insurer relevant to the
possessions and pedal cycles               section the opportunity to resolve your
(Sections A-D) telephone MMA               complaint before the FOS becomes
Insurance on 0844 902 1000, or write       involved.
to Quality Assurance, MMA Insurance
plc, Norman Place, Reading RG1 8DA.        Financial Services Compensation
You can also contact us via email on       Scheme
our website at www.mma-insurance.com.      We are covered by the Financial
                                           Services Compensation Scheme
For legal protection insurance             (FSCS). You may be entitled to receive
(Section E) telephone 0208 652 1313        compensation from the scheme if we
or write to First Assist Insurance         cannot meet our obligations.
Services Ltd, Customer Relations
Department, Marshall’s Court, Marshall’s   Further information is available from
Road, Sutton, Surrey SM1 4DU.              the Financial Services Compensation
                                           Scheme, 7th Floor, Lloyds Chambers,
Full details of the MMA Internal           Portsoken Street, London E1 8BN.
Complaints Procedure are detailed          www.fscs.org.uk
in our leaflet ‘Complaints Procedure’


                                                                                     7
Customer Information
continued




Law Applicable to Contract                   receive your policy documentation
You and the insurer are free to choose       whichever is the later.
the law applicable to this contract but,
                                             If you wish to do so and the insurance
in the absence of agreement to the
                                             cover has not yet commenced, you will
contrary, English law will apply.
                                             be entitled to a full refund of the
Exchange of Information                      premium paid.

Insurers pass information to the Claims      Alternatively, if you wish to do so and
and Underwriting Exchange Register, run      the insurance cover has already
by Insurance Database Services Ltd           commenced, you will be entitled to a
(IDS Ltd). The aim is to help us to          refund of the premium paid, subject to
check information provided and also          a deduction for the time for which you
to prevent fraudulent claims. When we        have been covered plus an
deal with your request for insurance,        administration charge of £25.
we may search the register. When you
tell us about an incident (such as a fire,   To exercise your right to cancel, please
water damage or theft), which may or         contact your broker or intermediary.
may not give rise to a claim, we will
                                             If you do not exercise your right to
pass information relating to it to the
                                             cancel your policy, it will continue in
register.
                                             force and you will be required to pay
You can ask us for more information          the premium.
about this.
                                             For your cancellation rights outside the
You should show this notice to anyone        statutory cooling off period, please
who has an interest in property insured      refer to condition 5 on page 9 of this
under the policy.                            policy document.

Cancellation
You have a statutory right (under
Financial Services Authority rules) to
cancel your Policy during a period of 14
days from the day of purchase of the
contract or the day on which you

8
Policy Conditions
Sections A-D



You must comply with these                 1. rebuilding cost of Your Home plus
conditions. They control the operation        Additional Costs alters;
of the policy cover for Sections A to D.      or
Section E has its own policy conditions    2. replacement value of your
which are detailed on pages 36-41.            contents exceeds the Sum Insured
                                              or the limits stated in the Policy or
This Section is in force.                     the Schedule.

1. Reasonable care                         4. Other insurance
You must take all reasonable care to       If at the time of a claim there is any
prevent bodily injury loss or damage.      other policy covering liability loss or
                                           damage insured by this Policy we shall
2. Personal representatives                pay only our rateable proportion.
If you die we will continue this
insurance for the interest of your         5. Cancellation rights
legally authorised Personal                Following the expiry of your statutory
Representatives for the rest of the        cooling off period detailed on page 8 of
current Period of Insurance provided       this policy document the policy may be
that they:                                 cancelled:
1. Advise us as soon as possible of        1. by you giving written instruction to
   your death;                                us at any stage of the duration of
2. Fulfil observe and be subject to all       the contract.
   the terms of this Policy as far as      2. by us:
   they can apply.
                                              (a) Sending seven days written
                                                  notice in the event of non
3. Changes in your circumstances
                                                  payment of any monthly
You must inform us of any change in               premium;
your circumstances which increases
                                              (b) Sending seven days written
the risk of a claim. In particular you
                                                  notice in all other circumstances
must notify us if you change your
                                                  by recorded delivery letter to
address or your home becomes
                                                  your last known address.
unoccupied. We must also be advised
if at any time the;

                                                                                     9
Policy Conditions
Sections A-D
continued


You will be entitled to a refund of the     You will be notified at each renewal
premium paid subject to a deduction         date of the revised Sums Insured and
for the time which you have been            premium.
covered. Additionally an administration
charge of £25 will be made when the
cancellation is in the first period of
insurance.
If a claim has been submitted or there
have been any incidents likely to give
rise to a claim during the current period
of insurance no refund for the
unexpired portion of premium will be
given.

6. Fraud
If any claim presented to us is found to
be fraudulent in any respect all benefit
under this Policy will be forfeited.

7. Index linking
The Sum Insured under Section A is
linked to the Building Housing Cost
Index prepared by the Royal Institute of
Chartered Surveyors or an alternative
appropriate index and the Sums
Insured under Section B and Section
C.1 and if so stated Section C.2 are
linked to the General Index of Retail
prices or an alternative appropriate
index and the Sums Insured will be
increased in accordance with such
indices.



10
Policy Exceptions
Sections A-D



Exceptions are the events, liabilities or      4. Events Before the Policy Started
property we will not pay for under             Any loss, damage, bodily injury or
Sections A to D of the policy.                 liability arising out of any accident or
                                               incident that happened before this
1. Radioactive Contamination                   policy started.
Any expense, loss, bodily injury, liability
or damage to any property directly or          5. Deliberate Acts
indirectly caused by, contributed to or        Any loss, damage, bodily injury or
arising from:                                  liability caused deliberately, maliciously,
(a) ionising radiation or contamination        wilfully, recklessly by you, your family,
    by radioactivity from any nuclear          lodgers, guests, tenants, employees or
    fuel or from any nuclear waste from        paying guests.
    the combustion of nuclear fuel;
                                               6. Reduction in Value
(b) the radioactive, toxic, explosive or
    other hazardous properties of any          Any reduction in market value following
    nuclear assembly or nuclear                repair or replacement paid for under
    component.                                 this policy.

2. Sonic Booms                                 7. Deception

Any loss or damage arising directly            Any loss or damage caused by
from pressure waves caused by aircraft         deception, unless the only deception is
and other aerial devices.                      gaining entry to the home.

3. War Risks                                   8. Business Property and Legal
                                               Liability
Any loss, damage, bodily injury or
liability which is the direct or indirect      Any loss or damage to property owned
result of any of the following:                by, held in trust or primarily used for
                                               any business, trade or profession (other
War, invasion, act of foreign enemy,           than in providing bed and breakfast).
hostilities (whether or not war is
declared), civil war, rebellion, revolution,
insurrection, military or usurped power
or similar event.


                                                                                          11
Policy Exceptions
Sections A-D
continued


9. Confiscation                              12. Terrorism
Any loss, damage or liability caused by      Liability, loss, damage, cost or expense
confiscation, detention or seizure by:       caused directly or indirectly by an act
(a) customs, police or other officials;      of terrorism as defined in the Terrorism
                                             Act 2000 except for loss or damage to
(b) order of any court of law;               your property from a cause insured by
(c) any statutory or regulatory              this policy, provided the liability, loss,
    authority.                               damage, cost or expense does not
                                             arise out of the use of biological,
10. Pollution or Contamination               chemical and/or nuclear force or threat
Any loss, damage or liability arising from   thereof.
pollution or contamination unless
directly or indirectly caused by a           13. Wear and Tear
sudden and unforeseen and identifiable       Loss or damage caused by wear and
incident occurring during the period of      tear or anything which happens
insurance.                                   gradually.

11. Date Change and Computer Viruses
Any loss, damage or liability arising
from:
(a) the failure of a computer chip,
    computer software or any other
    electronic equipment to recognise a
    true calendar date;
(b) computer viruses.




12
Policy Cover
Section A – Buildings


Your schedule shows if this section applies to your policy.


  WHAT IS INSURED                                      WHAT IS NOT INSURED
  Loss of or damage to the building caused by:         • The Excess;
                                                       • Loss or damage due to any gradually occurring
                                                         cause;
                                                       • Wet or dry rot.

  1. Fire, explosion, lightning or earthquake.

  2. Smoke.

  3. Riot, civil commotion, strikes, labour or
     political disturbances.

  4. Malicious acts.                                   Loss or damage caused:
                                                       • by persons lawfully in your home;
                                                       • While the home is unoccupied or
                                                         unfurnished.

  5. Storm or flood.                                   Loss or damage caused:
                                                       • by frost;
                                                       • to gates, hedges and fences;
                                                       • by rising ground water levels or other gradually
                                                         occurring cause.

  6. Escape of water or oil from any fixed domestic    Loss or damage caused:
     appliance or installation.                        • whilst the home is unoccupied or
                                                         unfurnished;
                                                       • by the escape of water from guttering, rain
                                                         downpipes, roof valleys and gullies.

  7. Theft or attempted theft including robbery.        Loss or damage caused:
                                                       • by persons lawfully in your home;
                                                       • while your home is unoccupied;
                                                       • by deception unless deception is used only to
                                                         gain entry to your home.

  8. Impact by:                                        Damage to paths or drives caused by:
     (a) Aircraft aerial devices or articles dropped   • the weight of any vehicle;
         from them;                                    • pets and livestock.
     (b) Any vehicle or animal.


                                                                                                            13
Policy Cover
Section A – Buildings
continued
Your schedule shows if this section applies to your policy.


  WHAT IS INSURED                                     WHAT IS NOT INSURED
  9. Impact by:                                       Loss or damage:
     (a) Falling aerials their masts and fittings;    • Arising from tree felling or lopping of trees;
     (b) Falling trees branches telegraph poles       • to walls, gates, fences, paths, drives, terraces,
         lamp posts pylons.                             patios, swimming pools, service tanks or tennis
     We will also pay the cost of removal provided      courts unless damage has also occurred at
     they have caused insured damage to your            the same time to your home.
     home or outbuildings.

  10. Subsidence, heave or landslip of the site on    The first £1,000 of each claim.
      which the buildings stand.                      Damage caused by or resulting from:
                                                      • coastal river or river erosion;
                                                      • faulty design workmanship or the use of
                                                        defective materials;
                                                      • demolition alteration or repair to the buildings;
                                                      • the movement of solid floors unless the
                                                        foundations beneath the external walls of your
                                                        home are damaged at the same time;
                                                      • normal settlement or shrinkage.
                                                      Damage:
                                                      • to walls, gates, fences, paths, drives, terraces,
                                                        patios, swimming pools, service tanks or tennis
                                                        courts unless the foundations beneath the
                                                        external walls of your home are damaged at the
                                                        same time;
                                                      • for which compensation is provided by the
                                                        National House Building Council Scheme;
                                                      • which originated before this Policy came into
                                                        force.
  11. Frost damage to plumbing installations.
      Frost damage to interior fixed domestic water   Damage caused while your home is
      or heating installations.                       unoccupied or unfurnished.
  12. Glass, sanitary ware and ceramic hobs.          Breakage caused:
      Accidental breakage of ceramic hobs in fixed    • while your home is unoccupied or
      appliances if fitted, fixed glass and solar       unfurnished;
      panels and sanitary ware all forming part of    • to accessories and fittings;
      the home.                                       • to ceramic hobs in freestanding cookers.
  13. Cables, pipes and tanks.                        The cost of clearing blocked drains unless the
      Accidental damage for which you are legally     blockage is caused by damage to the fabric of
      responsible to any cables or underground        the drains insured by this section.
      service pipes (including inspection hatches     Damage caused to pitch fibre drains by any
      and covers) extending from the Buildings.       inherent defect of the fabric of the drains.


14
Policy Cover
Section A – Buildings
continued
Your schedule shows if this section applies to your policy.


  WHAT IS INSURED                                     WHAT IS NOT INSURED
  14. Additional costs.                               Costs for complying with requirements notified
      Following damage insured by this section        before the loss or damage occurred.
      with our consent we will pay the costs for:     Fees charged for preparing any claim under
      • Complying with Government or Local            this Policy.
        Authority requirements;
      • Architects surveyors and other
        professional fees;
      • Clearing debris demolition shoring or
        propping up necessary as a result of a
        claim under this Section.
  15. Temporary accommodation.
      The reasonable costs of other comparable
      temporary accommodation if it is not possible
      to live in your home as the result of loss or
      damage insured by this Section The most
      we will pay is 15% of the Sum Insured on
      the buildings.
  16. Moving home.
      If you are selling your home the purchaser
      will have the benefit of Section A during the
      period between exchange of contracts and
      completion provided that:
      (a) Your home is not insured elsewhere and;
      (b) that the purchaser observes the terms
           and conditions of this Policy;
      (c) formal completion must have taken place.
  17. Property Owners Liability.                      Liability arising directly or indirectly from:
      We will pay for compensation, legal costs and   • any contract or agreement that says you or a
      expenses which you (or if you die your            member of your family are liable for
      personal representatives) legally have to pay     something which you or they would not
      to someone else in respect of:                    otherwise have been liable for;
      • bodily injury to any person; or               • the occupation of the buildings;
      • accidental loss or damage to property not     • any business or professional use of the
        belonging to you,                               buildings other than bed and breakfast.
      during the period of insurance, which arises    Liability for:
      out of:                                         • bodily injury to any member of your family or
      (a) you owning but not occupying the              to a person employed by you or by a member
          buildings and their land; or                  of your family;


                                                                                                       15
Policy Cover
Section A – Buildings
continued
Your schedule shows if this section applies to your policy.

  WHAT IS INSURED                                          WHAT IS NOT INSURED
     (b) your previous ownership of any private            • damage to property belonging to you or a
         property under Section 3 of the                     member of your family or for which you or
         Defective Premises Act 1972.                        your family are responsible.
     We will also pay legal costs and expenses
     incurred with our consent in connection with
     defending such claim.
     The most we will pay (inclusive of claimants
     and defence legal costs and expenses agreed
     by us in writing) is £2,000,000 for any one
     claim or series of claims arising from any one
     event or one source of original cause.

  18. Optional extension to Section A – Accidental         Any loss or damage:
      Damage.                                              • which we have indicated that we will not pay for
      Your Schedule tells you if this Extension is           under paragraphs 1-14 of this section;
      in force.                                            • caused by paying guests;
      Accidental Damage to your home.                      • occurring whilst any part of the home is lent,
                                                             let, sub-let or shared;
                                                           • occurring whilst the home is unoccupied or
                                                             unfurnished;
                                                           • occurring whilst the home is undergoing
                                                             demolition, structural alteration or structural
                                                             repair.
                                                           Damage caused by or arising from:
                                                           • insects, parasites, vermin, fungus or mildew;
                                                           • chewing, scratching, tearing or fouling by your
                                                             pets;
                                                           • atmospheric or climatic conditions or frost
                                                              (except as covered by paragraph 11);
                                                           • alteration, repair, maintenance, cleaning,
                                                             restoration, dismantling, renovation or
                                                             breakdown;
                                                           • faulty design or workmanship or the use of
                                                             faulty materials;
                                                           • structural movement, settlement, shrinkage.

  IMPORTANT NOTE
  If you are both the owner and the occupier of the home insured by this policy, accidents which happen
  in buildings or on land are, by law, usually the responsibility of the person who lives in the building or on
  the land, rather than the person who owns the building.
  If you are the owner and occupier of the building, this section does not cover your legal liability as the
  occupier of the home or its land. You will need to arrange contents insurance which provides
  occupiers liability cover to make sure you are fully protected.


16
Policy Cover
Section B – Contents


Your schedule shows if this section applies to your policy.


  WHAT IS INSURED                                     WHAT IS NOT INSURED
  The contents are insured against loss of or         • The excess;
  damage whilst:                                      • Loss or damage to contents permanently
  • in the home;                                        or temporarily in the open within the boundary
  • permanently or temporarily in the open within       of the land belonging to the home while the
    the boundary of the land belonging to the           home is unoccupied or unfurnished;
    home up to £500.                                  • Loss or damage due to any gradually
  caused by:                                            occurring cause.

  1. Fire, explosion, lightning or earthquake.

  2. Smoke.

  3. Riot, civil commotion, strikes, labour or
     political disturbances.

  4. Malicious persons or vandals.                    Loss or damage caused:
                                                      • By persons lawfully in your home;
                                                      • While your home is unoccupied or
                                                        unfurnished.
                                                      Any amount exceeding:
                                                      • £1000 in respect of any one claim;
                                                      and
                                                      • £2000 in any Period of Insurance for any claim
                                                        or claims in respect of loss or damage in or from
                                                        sheds greenhouses or non-communicating
                                                        summerhouses or outbuildings or garages.

  5. Storm or flood.

  6. Escape of water or oil from any fixed domestic    Loss or damage while your home is unoccupied.
     appliance or installation.                        Loss or damage caused by the escape of water
                                                       from guttering, rainwater downpipes, roof valleys
                                                       and gullies.
                                                       Loss or damage to contents:
                                                      • permanently or temporarily in the open within
                                                        the boundary of the land belonging to the home;
                                                      • caused by rising ground water levels or other
                                                        gradually occurring cause.


                                                                                                        17
Policy Cover
Section B – Contents
continued
Your schedule shows if this section applies to your policy.


  WHAT IS INSURED                                      WHAT IS NOT INSURED
  7. Theft or attempted theft including robbery.       Loss or damage caused:
                                                       • by persons lawfully in your home;
                                                       • while your home is unoccupied or
                                                         unfurnished;
                                                       • while your home or any part is lent, let, sublet
                                                         or shared (including being let to paying guests)
                                                         unless involving forcible or violent entry to or
                                                         exit from your home;
                                                       • by deception unless deception is used only to
                                                         gain entry to your home.
                                                       Any amount exceeding
                                                       (a) £1000 in respect of any one claim; and
                                                       (b) £2000 in any Period of Insurance;
                                                       for any claim or claims in respect of loss or
                                                       damage in or from sheds greenhouses or non-
                                                       communicating summerhouses or outbuildings
                                                       or garages.

  8. Impact by:
     (a) Aircraft aerial devices or articles dropped   Loss or damage caused by pets and livestock.
         from them;
     (b) Any vehicle or animal.

  9. Impact by:                                        Loss or damage arising from the felling or
     (a) Falling aerials their masts and fittings;     lopping of trees.
     (b) Falling trees branches telegraph poles
         lamp posts pylons.

  10. Subsidence, heave or landslip of the site on     Damage resulting from:
      the buildings stand.                             • coastal river or river erosion;
                                                       • faulty design workmanship or the use of
                                                         defective materials;
                                                       • demolition alteration or repair to the buildings;
                                                       • the movement of solid floors unless the
                                                         foundations beneath the external walls of your
                                                         home are damaged at the same time;
                                                       • normal settlement or shrinkage.


18
Policy Cover
Section B – Contents
continued
Your schedule shows if this section applies to your policy.


  WHAT IS INSURED                                    WHAT IS NOT INSURED
  11. Glass, mirrors and ceramic hobs.               Loss or damage while your home is unoccupied
      Accidental breakage in your home of:           or unfurnished;
      • Fixed mirrors and glass;                     Fixed ceramic hobs.
      • Glass tops forming part of furniture;
      • Ceramic hobs in free standing cookers.

  12. Loss of oil and water.                         Loss or damage caused while the home is
      Loss of:                                       unoccupied or unfurnished.
      • Oil from a fixed domestic heating
        appliance or installation;
      • Metered water from a fixed domestic
        water appliance or installation;
      following accidental damage to the appliance
      or installation for an amount not exceeding
      £750.

  13. Audio, visual and computer equipment.
      Accidental damage:                             Damage to:
      • while in the home to television, audio or    • tapes, cassettes, cartridges, records or discs of
        video equipment, DVD players, digital          any kind;
        boxes, games consoles, or to personal        • camcorders, video camers, digital cameras,
        computers, laptops and computer                hand-held electronic games or toys,
        equipment;                                     mobile phones or telephone equipment;
      • to receiving aerials and satellite dishes    Loss or damage caused:
        fixed to the home.                           • while the home is unoccupied or unfurnished;
                                                     • by computer viruses;
                                                     • by pets.
                                                     The cost of remaking any film, disc or tape, or the
                                                     value of any information contained on it or
                                                     recovering any digitally held media.

  14. Household removal.                             Loss of or damage to china, porcelain,
      Accidental loss of or damage to contents       earthenware, glass, crystal, jade, quartz and
      while in direct transit from your home for     other brittle items unless they have been packed
      permanent removal to another home within       by a professional packer.
      the geographical limits.                       Loss or damage caused by scratching denting or
                                                     bruising.
                                                     Loss of or damage to contents in storage or being
                                                     moved to or from storage.


                                                                                                      19
Policy Cover
Section B – Contents
continued
Your schedule shows if this section applies to your policy.


  WHAT IS INSURED                                     WHAT IS NOT INSURED
  15. Contents temporarily removed.
      Loss or damage to contents within the           Loss or damage to contents which are not in a
      geographical limits while temporarily away      building caused by storm, flood, theft or
      from the home up to a maximum of 90 days        malicious damage.
      caused by:                                      Loss or damage caused by theft or attempted
      • Section B paragraphs 1-6 and 8-10;            theft, unless violence or force is used to break
     • theft or attempted theft from:                 into or out of the building being:
       – a deposit box in a bank;                     (a) a building where you or a member of your
                                                          family are living temporarily;
       – an occupied private house or flat;
                                                      (b) a building where you or a member of your
       – any other building where you or a
                                                          family are employed or engaged in business.
         member of your family work or are
         temporarily living.                          Theft of money or credit cards.
     The most we will pay is 15% of the contents      Loss or damage to contents:
     sum insured except for contents contained        • which have been removed for sale, exhibition
     in garages or outbuildings when the most we        or placed in a furniture depository;
     will pay is £2,000.                              • belonging to a member of your family while
                                                        they are living and studying away from the
                                                        home.

  16. Temporary accommodation.
      Up to 15% of the Sum Insured on contents for
      the reasonable costs of other comparable
      temporary accommodation if it is not possible
      to live in your home as a result of loss or
      damage to property insured by this Section.

  17. Theft of keys.
      Up to £250 for the replacement of locks or
      keys to:
      1. External doors and windows;
      2. Any safe or alarm in the buildings if the
         keys are stolen from your home.

  18. Reinstatement of title deeds.                   Loss or damage occurring while your home or
      Up to £250 for the replacement of title deeds   any part is lent or let (including being let to paying
      to your home as a result of loss or damage      guests) unless involving forcible or violent entry
      insured by this Section while in your home or   to or exit from your home.
      lodged with your solicitor bank or mortgagee.


20
Policy Cover
Section B – Contents
continued
Your schedule shows if this section applies to your policy.


  WHAT IS INSURED                                      WHAT IS NOT INSURED
  19. Frozen foods.                                    Deterioration in a deep freeze cabinet over
      Up to £500 for deterioration of frozen foods     15 years old.
      in any deep freeze cabinet in your home or
      any of its outbuildings caused by:
      1. Failure of the plant as a result of its own
         inherent defect;
      2. Escape of refrigerant or fumes;
      3. Failure of the public supply of electricity
         or gas.

  20. Guests effects.
      Loss of or damage to guests effects
      belonging to or under the control of your
      paying guests in respect of the cover provided
      by Section B1-B10 up to:
      • £250 per guest;
      • £1500 in total.

  21. Loss of income.
      The amount by which your income is
      reduced as a result of loss or damage insured
      by this Section:
      1. Up to 15% of the Sum Insured on
         contents or
      2. Up to a maximum of £5000
      whichever is less.

  22. Goods in transit.                                Theft from any unattended vehicles.
      Up to £500 for consumable goods while in
      transit within the geographical limits in your
      vehicle from any wholesale cash and carry
      premises to your home.




                                                                                                     21
Policy Cover
Section B – Contents
continued
Your schedule shows if this section applies to your policy.


  WHAT IS INSURED                                    WHAT IS NOT INSURED
  23. Money and credit cards.                        •   Depreciation in value;
      (a) Up to £500 for your money lost by you      •   Loss caused by errors or omissions;
          anywhere in the world;                     •   Loss not reported to the police;
      (b) Up to £500 for your liability under the    •   Money held for business or professional
          terms of use of the Credit Cards issued        purposes other than bed and breakfast;
          within the geographical limits in the      •   Depreciation in value;
          event of fraudulent use by unauthorised
                                                     •   Loss caused by errors or omissions;
          Persons.
                                                     •   Loss not reported to the card issuing Company
                                                         and the Police within 24 hours of discovery of
                                                         loss;
                                                     •   Credit cards held for business or professional
                                                         purposes other than bed and breakfast;
                                                     •   Loss arising from a breach of the terms and
                                                         conditions of use.

  24. Tenants cover.                                 Anything excluded by Section A.
      Loss or damage to:
      (a) Fixtures and fittings, greenhouses and
           sheds installed by you at the home and
           for which you are responsible;
      (b) The structure, decorations, fixtures and
           fittings of the home that you are
           responsible for as a tenant under a
           tenancy agreement;
      insured by Section A paragraphs 1-12 of this
      policy.
      The most we will pay is 10% of the Contents
      Sum Insured.




22
Policy Cover
Section B – Contents
continued
Your schedule shows if this section applies to your policy.


  WHAT IS INSURED                                        WHAT IS NOT INSURED
  25. Occupiers and Personal Liability.                  Liability arising from:
      (i) Compensation and legal costs and               • Bodily injury to you or a member of your
                                                            family or to a person employed by you or a
           expenses which you (or if you die your           member of your family other than a person
           personal representatives) legally have to        employed in connection with your business in
           pay to someone else in respect of:               providing bed and breakfast;
           (a) bodily injury to that person; or          • damage to property (other than temporary
                                                            holiday accommodation) owned or held in
           (b) accidental loss or damage to                 trust by or in the custody or control of you or
                property not belonging to you;              a member of your family;
           which occurs during the period of             • any contract or agreement that says that you
                                                            or a member of your family are liability for
           insurance and which arises out of:
                                                            something which you or they would not
           (a) you occupying the home including             otherwise have been liable for;
                its land; or                             • ownership of any land or building including
           (b) your acts or omissions as a private          the home;
                                                         • an illness or disease you or a member of your
                individual anywhere within the              family pass onto someone else;
                geographical limits or elsewhere for     • your trade, business or profession, occupation
                temporary visits.                           or former business, trade profession or
           We will also pay legal costs and expenses        occupation and whether or not such liability
                                                            arises out of a job carried out for reward other
           incurred with our consent in connection          than your business in providing bed and
           with defending any such claim.                   breakfast;
           The most we will pay for any claim or         • the ownership, custody, control or use of:
           claims arising from one event is £2 million      – road vehicles or any other mechanically
                                                               powered or assisted vehicles (except
           inclusive of claimants and defence legal            domestic gardening equipment, battery or
           costs and expenses.                                 pedestrian operated models or toys, golf
      (ii) Compensation, legal costs and expenses              trolleys or wheelchairs);
           which you (or if you die your personal           – caravans, horse boxes or trailers;
                                                            – aircraft including models;
           representatives) legally have to pay in
                                                            – hangliders, gliders and microlights;
           respect of bodily injury to your domestic        – hovercraft, watercraft or any other
           employees occurring during the period of            equipment designed for or intended for use
           insurance. The bodily injury must occur             on or in water (except battery or pedestrian
           during the course of their work for you             operated models or toys or hand propelled
                                                               watercraft);
           and during the period of insurance.
                                                         • the ownership, custody, control or use of:
      We will also pay legal costs and expenses             – animals other than domestic pets and
      incurred with our consent in connection with             horses kept for private hacking;
      defending any such claim.                             – dogs of a type referred to in the Dangerous
                                                               Dogs Act 1991 or any subsequent
      The most we will pay for any claims or claims            amendment;
      arising from one event is £10 million inclusive       – firearms, except legally-held sporting guns
      of claimants and defence legal costs and                 while being used for sporting purposes;
      expenses.                                          • fines, penalties or aggravated, punitive, or
                                                            exemplary damages.


                                                                                                          23
Policy Cover
Section B – Contents
continued
Your schedule shows if this section applies to your policy.


  WHAT IS INSURED                                       WHAT IS NOT INSURED
  26. Optional extension to Section B –                 Any loss or damage:
      accidental damage.                                • which we have indicated that we will not pay for
      Your Schedule tells you if this extension is in     under paragraphs 1-10 of this section;
      force.                                            • caused by paying guests;
      Accidental damage to contents while in            • occurring whilst any part of the home is lent,
      your home.                                          let, sub-let or shared;
                                                        • occurring whilst the home is unoccupied or
                                                          unfurnished;
                                                        • occurring whilst the home is undergoing
                                                          demolition, structural alteration or structural
                                                          repairs;
                                                        • over £1,000 in total for damage to glass, china,
                                                          porcelain, earthenware, crystal, stone or other
                                                          fragile material whilst it is being handled or
                                                          used;
                                                        • to any individual item of china, porcelain,
                                                          earthenware, glass, crystal, stone or other
                                                          similar fragile material for an amount in excess
                                                          of £250 whilst it is being handled or used;
                                                        • to clothing or contact lenses.
                                                        Damage caused by or arising from:
                                                        • insects, parasites, vermin, fungus or mildew;
                                                        • chewing, scratching, tearing or fouling by your
                                                          pets;
                                                        • atmospheric or climatic conditions;
                                                        • alteration, repair, maintenance, restoration,
                                                          dismantling, renovation or breakdown;
                                                        • faulty design or workmanship or the use of
                                                          faulty materials;
                                                        • any process of cleaning, drying, dyeing, heating
                                                          or washing.




24
Policy Cover
Section C – Personal Possessions


Your schedule shows if this section applies to your policy.


  WHAT IS INSURED                                      WHAT IS NOT INSURED
  Theft or accidental loss of or accidental damage     An excess of £50.
  to:                                                  Loss of property from an unattended road
  1. Unspecified personal possessions;                 vehicle, unless the property is concealed in a
  2. Specified personal possessions listed in your     glove compartment, locked luggage
      schedule; whilst within the geographical         compartment or locked boot and all windows and
      limits or anywhere else in the world for up to   sunroofs are securely closed and all doors are
      60 days in any one period of insurance which     locked.
      you or a member of your family own or are        Any amount over £1,000 in respect of loss of
      legally responsible for.                         property from an unattended road vehicle.
                                                       Loss or damage to sports equipment whilst in the
                                                       course of play or use.
                                                       Loss or damage caused by or arising from:
                                                       • insects, parasites, vermin, fungus or mildew;
                                                       • atmospheric or climatic conditions or frost;
                                                       • scratching, denting or chipping;
                                                       • chewing, scratching, tearing or fouling by your
                                                         pets;
                                                       • alteration, repair, maintenance, restoration,
                                                         dismantling, renovation or breakdown;
                                                       • faulty design or workmanship or the use of
                                                         faulty materials;
                                                       • the cost of remaking any film, disc or tape or the
                                                         value of any information contained on it;
                                                       • the cost of recovering any digital information;
                                                       • any process of cleaning, drying, dyeing, heating
                                                         or washing.
                                                       Loss or damage from the home caused by theft,
                                                       attempted theft or malicious acts, while the
                                                       home is left unoccupied or unfurnished.




                                                                                                         25
Policy Cover
Section D – Pedal Cycles


Your schedule shows if this section applies to your policy.


  WHAT IS INSURED                                  WHAT IS NOT INSURED
  Theft or accidental loss of or damage to your    An excess of £50.
  Pedal Cycle(s) described in the Schedule while   Loss of or damage to:
  within the geographical limits.                  • Pedal Cycles used for racing pacemaking or
                                                     time trials;
                                                   • tyres and accessories unless the Pedal Cycle
                                                     is lost or damaged at the same time.
                                                   Loss of or damage by theft if left unattended
                                                   away from the buildings unless securely locked
                                                   or in a locked building.
                                                   Loss or damage caused by cleaning, repairing or
                                                   restoring pedal cycles.
                                                   Loss of value more than the amount specified in
                                                   your schedule.




26
How to make a claim
Sections A-D



This section details how to make a        3. Do not admit fault if you or any
claim under Sections A, B, C and D of        member of your family are being
your policy. Section E has its own           held responsible for injury or
details on page 49.                          damage. Send all documents you
                                             receive unanswered and without
1.   Telephone the MMA PROPERTY              delay to MMA Insurance, Norman
     CARE LINE on 0844 902 0789.             Place, Reading RG1 8DA.
     Please have the following
     information to hand before you       We follow the Association of British
     phone MMA:                           Insurance Claims Code, copies of which
                                          are available upon request. MMA
     • Policy number;                     exchange information with other
     • Name and home postcode;            companies through various databases
                                          to help us check the information
     • Nature of problem;
                                          provided and also prevent fraudulent
     • Police incident number (if you     claims.
       are a victim of theft, malicious
       damage, vandalism or something     Please also refer to pages 9 and 10
       is lost or damaged away from       ‘Conditions’ and ‘How we settle your
       home);                             claim’ on pages 28–31.
     • Approximate cost to
       replace/repair the item.
They will register the claim from the
details you provide and tell you what
to do next.

2. If you are a victim of theft,
   malicious damage, vandalism or
   something is lost or damaged away
   from the home, tell the police or
   issuing authority first and request
   an incident number. It would be
   helpful if you have an approximate
   cost to replace/repair the item(s)
   you would like to claim for.

                                                                                 27
How we settle your claim
Sections A-D



Section A: Buildings                        3. The maximum amount we will pay
If loss or damage occurs to The                in respect of any one claim for loss
buildings insured under Section A:             of or damage to the buildings
                                               including Additional Costs is the
1.   We will pay the cost of any
                                               Sum Insured on the buildings (less
     necessary replacement,
                                               any excess except under A-18,
     reinstatement or repair work carried
                                               property owners liability where no
     out provided that:
                                               excess applies).
     (a) immediately before the incident
         giving rise to the loss or         4. Automatic reinstatement of loss
         damage:                               The Sum Insured will not be
         • The buildings were in               reduced following payment of a
           good repair;                        claim provided that all replacement
                                               or repair work is completed and
         • The Sum Insured was
                                               any recommendations we make to
           sufficient to allow complete
                                               prevent further loss or damage are
           rebuilding of the buildings
                                               carried out without delay.
           including Additional Costs.
     (b) Replacement or repair is
         carried out without delay.

2. We will not pay for the cost of
   replacing any undamaged item or
   part of any item solely because it
   forms part of a set, suite or one of
   a number of items of similar nature
   or design.




28
How we settle your claim
Sections A-D
continued


Section B: Contents                       3. The maximum amount we will pay
If loss or damage occurs to the              in respect of any one claim for:
contents insured under Section B:            1. Your contents is the Sum
                                                Insured shown on the Schedule;
1. Provided that the Sum Insured on
   contents is adequate for full             2. Your high risk limit is one third
   replacement costs we will at our             of the Sum Insured on
   option:                                      contents;

   1. replace as new;                        3. Any one of your high risk items
                                                is 10% of the Sum Insured on
       or                                       contents with a maximum of
   2. pay the cost of replacement as            £4,000 unless specifically
      new;                                      mentioned;
                                             4. Your Pedal Cycles is £500 for
       or
                                                any one pedal cycle;
   3. pay the cost of repair of any
                                             less the excess (apart from under
      item of contents other than for:
                                             B:24 Tenants Cover and B:25
       (a) clothing and linen;               Occupiers and Personal Liability
       (b) contents not repaired or          where no excess applies).
           replaced with like;
                                          4. Automatic reinstatement of loss
       when a deduction will be made
       for wear tear and depreciation.       The Sum Insured will not be
                                             reduced following payment of a
2. We will not pay for the cost of           claim provided that all replacement
   replacing any undamaged item or           or repair work is completed and any
   part of any item solely because it        recommendations we make to
   forms part of a set, suite or one of      prevent further loss or damage are
   a number of items of similar nature       carried out without delay.
   colour or design.




                                                                                29
How we settle your claim
Sections A-D
continued


Section C: Personal Possessions            3. The maximum amount we will pay
If loss or damage occurs to your              in respect of any one claim for:
personal possessions insured under            1.   Unspecified personal
Section C:                                         possessions in respect of any
                                                   one item, pair or set of items
1.   We will at our option
                                                   insured is £1000 unless it is
     1.   replace as new;                          shown otherwise on the
                                                   schedule;
          or
                                              2.   Any one Specified item is the
     2.   pay the cost of replacement as           Sum Insured;
          new;
                                              less the excess.
          or
     3.   pay the cost of repair other
          than for:
          (a) clothing and linen;
          (b) property not repaired or
              replaced with like;
          when a deduction will be made
          for wear and tear and
          depreciation.

2. We will not pay for the cost of
   replacing any undamaged item or
   part of any item solely because it
   forms a part of a set, suite or one
   of a number of items of similar
   nature colour or design.




30
How we settle your claim
Sections A-D
continued


Section D: Pedal Cycles
If loss or damage occurs to your Pedal
Cycle(s) insured under this Section we
will at our option:
1.   replace;
     or
2. pay the cost of replacement less a
   deduction for wear and tear;
     or
3. pay the cost of repair.

The maximum amount we will pay in
respect of any one Pedal Cycle is the
amount shown on the Schedule (less
any Excess).




                                         31
Policy Cover
Section E – Legal Protection



Your schedule shows if this section          (b) Opponents’ Costs
applies to your policy.                      We will also pay the costs incurred by
Cover under this section is arranged by      opponents in civil cases if an insured
FirstAssist Insurance Services Limited.      person has been ordered to pay them,
                                             or pays them with our agreement.
Meaning of Words – Section E
Certain words have specific meanings         court
when they appear throughout this             A court, tribunal or other competent
policy. They are printed in bold type.       authority.

Sections A-D have their own Meaning of
                                             equipment
Words and appear in the relevant
section of the policy.                       Computers and anything else which
                                             contains a microchip. Computers
The words set out below have                 include hardware, software, data,
meanings that only apply to this section     electronic data processing equipment,
of the policy.                               microchips (including integrated
                                             circuits) and micro-controllers, and any
any one claim                                other computing and electronic
All legal proceedings, including             equipment linked to a computer.
appeals, arising from or relating to the
same original cause or event.                family
                                             Your spouse or domestic partner and
appointed representative
                                             children (including adopted and foster
The solicitor, our Employment Advocacy
                                             children) and any other relatives who
Service or other suitably qualified person
                                             normally live with you at your home.
who has been appointed by us to act
for an insured person in accordance
                                             home
with the terms of this section.
                                             The private dwelling and its garage(s)
costs and expenses                           and permanent outbuildings all at the
(a) Legal Costs                              address shown on your schedule and
All reasonable and necessary costs           used for domestic purposes only.
chargeable by the representative on a
standard basis.

32
Policy Cover
Section E – Legal Protection
continued


insured person                              territorial limits
You and any member of your family.          For insured incidents, 2. Contract
Anyone claiming under this section          Disputes and 3. Bodily Injury:
must have your agreement to claim.          The European Union, the Isle of Man,
                                            the Channel Islands, Albania, Andorra,
insurer
                                            Bosnia Herzegovina, Croatia, Gibraltar,
Great Lakes Reinsurance (UK) PLC,           Iceland, Liechtenstein, FYR Macedonia,
Plantation Place, 30 Fenchurch Street,      Monaco, Montenegro, Norway, San
London, EC3M 3AJ.                           Marino, Serbia, Switzerland and Turkey
                                            (west of the Bosphorus).
legal proceedings
The pursuit or defence of legal disputes,   For all other insured incidents:
excluding non-contentious matters.          The United Kingdom of Great Britain
                                            and Northern Ireland, the Isle of Man
limit of indemnity                          and the Channel Islands.
During any one period of insurance
the maximum liability of the insurer        we, us or our
shall not exceed £25,000 for any one        FirstAssist Insurance Services Limited
claim and £250,000 in aggregate.            (FirstAssist), which arranges and
                                            administers the insurance on the
period of insurance                         insurer’s behalf.
The period shown in the schedule or
any subsequent period for which you         you or your
have paid or have agreed to pay and         The person(s) named as the insured
the insurer has accepted or has             person in the schedule.
agreed to accept the premium.

small claims track limit
The current limits set by the court for
which a claim may be allocated to the
small claims track.




                                                                                    33
Policy Cover
Section E – Legal Protection
continued
Your schedule shows if this section applies to your policy.


  WE WILL PAY FOR:                                       WE WILL NOT PAY FOR:
  This section covers the insured person.
  The insurer will indemnify the insured person up
  to the limit of indemnity in respect of costs and
  expenses which arise from legal proceedings that:
  1. are notified to us during the period of
      insurance; and
  2. are made by or brought against the insured
      person within the jurisdiction of a court within
      the territorial limits;
  in respect of:


  1. Employment Disputes.                                The insurer will not be liable for any claim brought
     The pursuit of any legal proceedings in an          heard or transferred outside the jurisdiction of
     Employment Tribunal against the insured             the Employment Tribunal.
     person’s employer arising from the insured
     person’s contract of employment.
     Provided that as soon as you knew about the
     dispute you took, and followed legal advice
     from us.


  2. Contract Disputes.                                  A claim relating to:
     The pursuit or defence of legal proceedings         • a contract regarding an insured person’s
     arising from an insured person’s legal rights         trade, profession, employment or any business
     in a contractual dispute arising from an              venture;
     agreement or an alleged agreement which             • construction work on any land, or designing,
     an insured person’s has entered into for:             converting, altering, renovating, extending or
     (i) the buying or hiring of any goods or              demolishing any building where the contract
           services;                                       value exceeds £5,000 (including VAT);
     or                                                  • a contract involving a motor vehicle;
     (ii) the selling of any goods.                      • the settlement payable under an insurance
     Provided that:                                        policy (we will negotiate if your insurer refuses
                                                           your claim, but not for a dispute over the
     • the insured person’s has entered into the
                                                           amount of the claim);
       agreement or alleged agreement during the
       period of insurance;                              • a dispute arising from any loan, mortgage,
       and                                                 pension, investment or borrowing.
     • the amount in dispute is more than £100.


34
Policy Cover
Section E – Legal Protection
continued
Your schedule shows if this section applies to your policy.


  WE WILL PAY FOR:                                        WE WILL NOT PAY FOR:
  3. Bodily injury.                                       A claim relating to:
     The pursuit of any civil legal proceedings           • any illness or bodily injury which happens
     arising from the death of, or bodily injury to,         gradually or is not caused by a specific or
     the insured person.                                     sudden accident;
                                                          • defending an insured person’s legal rights,
                                                             but defending a counter-claim is covered.


  4. Property protection.                                 (i) A claim relating to:
     The pursuit of defence of any dispute arising            • a contract entered into by an insured
     from:                                                      person;
     (a) The alleged infringement by the insured              • any building or land other than your
           person of the legal rights of another                principal home;
           person arising out of the rightful                 • someone legally taking an insured
           occupation or ownership by the insured               person’s material property from them,
           person of the insured person’s home or               whether the insured person is offered
     (b) The infringement by another person of                  money or not, or restrictions or controls
           the insured person’s legal rights of arising         placed on an insured person’s material
           out of the rightful occupation or                    property by any government or public or
           ownership by the insured person of the               local authority, unless the claim is for
           insured person’s home;                               accidental physical damage;
     provided that:                                           • work done by any government or public or
     • the insured person has suffered or could                 local authority, unless the claim is for
        suffer a financial loss if legal proceedings            accidental physical damage;
        are not pursued or defended;                          • a motor vehicle owned or used by, or hired
     • the insured person agrees to use                         or leased to, an insured person;
        alternative dispute resolution to attempt to          • mining subsidence.
        settle any dispute, if we consider it to be       (ii) Defending a claim relating to an event that
        appropriate;                                           causes or could cause physical damage to
     • the amount in dispute is more than £100.                material property, but defending a counter-
                                                               claim is covered.
                                                          The first £250 of any claim for legal nuisance or
                                                          trespass. This is payable as soon as we accept
                                                          the claim.




                                                                                                             35
Policy Conditions
Section E – Legal Protection



Your schedule shows if this section          4. Arbitration
applies to your policy.                      Any dispute between the insured
                                             person and the insurer in respect of
You must comply with these
                                             this insurance may be referred to a
conditions. They control the operation
                                             single arbitrator who shall be either a
of the policy cover for Section E.
                                             solicitor or barrister agreed upon by
Sections A-D have their own Policy           both parties or, failing agreement, one
Conditions which are detailed on pages       who is nominated by the president of
9 and 10.                                    the appropriate law society or by the
                                             bar council or appropriate professional
General Conditions                           body within the territorial limits.
1. Due observance                            All costs of the arbitration shall be met
The due observance of and compliance         in full by the party against whom the
with the terms, provisions and               decision is made. If the decision is not
conditions of this policy, insofar as they   clearly made against either party the
relate to anything to be done or             arbitrator shall have the power to
complied with by the insured person,         apportion costs. If the decision is made
shall be conditions precedent to any         in favour of the insurer the insured
liability of the insurer to make any         person's costs shall not be recoverable
payment hereunder.                           under the policy.

2. Reasonable care                           This procedure does not prejudice any
The insured person shall take all            right of the insured person to have
reasonable steps to prevent any              recourse to any other complaints
occurrence which may give rise to a          procedure to which the insurer
claim under this insurance.                  subscribes or to the courts.


3. Cancellation                              5. Renewal

This section remains in force whilst you     If we are willing to continue to provide
hold sections A and/or B of the MMA          cover and we advise the insured
Bed and Breakfast policy. In the event       person beforehand of our renewal
that you cease to hold sections A or B,      terms, the insured person authorises
this section will terminate immediately.     us to renew this policy and any

36
Policy Conditions
Section E – Legal Protection
continued


subsequent policy on expiry in            covered. Consent will be given if the
accordance with our renewal terms at      insured person can satisfy us that:
that time, unless the insured person      (i) there are reasonable prospects of
advises us otherwise before the               successfully pursuing or defending
renewal date.                                 the legal proceedings;

Claims Settlement Conditions              and
1. Notification of claims                 (ii) it is reasonable in all the specific
We must be notified in writing                 circumstances of the case for costs
immediately the insured person is              and expenses to be provided.
aware of any event which has given or     In circumstances where we have
may give rise to legal proceedings        chosen a representative to act on the
involving the insured person. We will     insured person’s behalf we will pay
send a claim form which the insured       costs and expenses incurred for
person must then complete and return      providing the initial assessment of the
as soon as possible enclosing any         claim irrespective of the prospects of
relevant documents. If the insured        success or whether the claim is
person fails to notify us of such an      covered under this Policy.
event during the period of insurance
any claim arising from that event will    Where the insured person has chosen
not be admitted.                          their own representative any costs and
                                          expenses incurred in providing initial
This should be sent to FirstAssist        assessment shall only be covered
Insurance Services Ltd, Marshall’s        where there are reasonable prospects
Court, Marshall’s Road, Sutton, Surrey,   of successfully pursuing or defending
SM1 4DU.                                  the legal proceedings and the claim is
                                          covered under all other terms and
2. Consent Precedent to Insurer's
                                          conditions of the Policy.
   Liability
Our consent to pay costs and              The decision to grant consent will take
expenses must be obtained in writing.     into account the advice of the insured
Costs and expenses incurred before        person's appointed representative as
such consent is given will not be         well as that of our own advisers. We
                                          may require, at the insured person's

                                                                                  37
Policy Conditions
Section E – Legal Protection
continued


expense, an opinion of Counsel on the      (ii) In respect of all other claims
merits of the legal proceedings. If the         covered by the policy:
claim is subsequently admitted the             Where Court papers have been
insured person's costs in obtaining            issued (or received), or where
such an opinion and providing such             there is a conflict of interest,
advice will be covered under this              the insured person is free to
insurance.                                     choose a suitably qualified
                                               appointed representative.
If the insured person decides to
commence or continue legal                     In selecting the appointed
proceedings for which we have denied           representative the insured
support under Claims Settlement                person shall have a duty to
Condition 2i and is successful, we will        minimise the cost of legal
pay costs and expenses as if we had            proceedings.
given our consent in the first instance.       We may choose not to accept
                                               a representative chosen by the
3. Minimising claims or legal                  insured person. If this occurs
proceedings                                    we will explain why. If there is a
The insured person must take all               disagreement over the choice
reasonable measures to minimise the            of representative in these
cost of legal proceedings.                     circumstances, the insured
                                               person may choose another
4. Conduct of Legal Proceedings                suitably qualified person and
(a) Choice of Appointed Representative         submit the name of that person
                                               to us for consideration.
     (i) In respect of any claims which,
         if they were to proceed to a          In all circumstances except
         hearing, would be heard in the        those described in 4 (a) (ii)
         Employment Tribunal, then:            above, we shall choose a
                                               representative to act on the
        The insured person must use
                                               insured person’s behalf.
        our approved consultant as the
        appointed representative.              If the insured person’s choice
                                               of representative has to
                                               undertake work to familiarise
                                               themselves with the work

38
Policy Conditions
Section E – Legal Protection
continued


        already undertaken on the case,      • if the insured person does not give
        we will not pay for this work to       proper instructions to the appointed
        be done. We will not pay the           representative or barrister in time;
        insured person’s choice of           • if the insured person causes a delay
        representative more than we            and the appointed representative
        would pay our own choice of            thinks it will harm the insured
        representative.                        person's case.
        Any representative is appointed
        in the insured person's name         In these circumstances, we may carry
        to act for the insured person.       out our own investigation and try to
                                             settle the dispute. The insured person
   (iii) In the period before we agree       must agree to a settlement which is
         that legal proceedings are          reasonable.
         necessary we reserve the right to
         seek to obtain a settlement on      (c) All information to be given to the
         the insured person's behalf.        appointed representative
         The settlement will be subject to   The insured person must give the
         the insured person's agreement,     appointed representative all
         which the insured person will       information and assistance required.
         not unreasonably refuse.            This must include a complete and
                                             truthful account of the facts of the
(b) Action we may take                       case and all relevant documentary or
We may take over and continue in the         other evidence in the insured person's
insured person's name all legal action       possession. The insured person must
in any of the following circumstances:       obtain or execute all documents as
• if the dispute is for an amount which is   necessary and attend any meetings or
  under £5,000 or if the dispute could       conferences when requested.
  be dealt with by the small claims court;
                                             (d) Access to the appointed
• if the insured person takes legal          representative
  action against someone or defends a        We are entitled to obtain from the
  case without our agreement, or in a        insured person's appointed
  different way from that advised by         representative any information,
  the appointed representative;              document or advice, whether or not

                                                                                  39
Policy Conditions
Section E – Legal Protection
continued


privileged, relating to a claim under this   • the appeal complies with the
policy. On our request, the insured            requirements of Claims Settlement
person will give any instructions              Condition 2 in the same way as the
necessary to ensure such access.               initial claim for costs and expenses;

(e) Instruction of counsel or                • we think the insured person has a
appointment of expert witnesses                reasonable chance of winning the
                                               appeal and achieving a reasonable
If the appointed representative
                                               outcome;
wishes to instruct counsel or appoint
expert witnesses, we will not                • the insured person must give us the
unreasonably withhold our consent.             reasons for bringing the appeal.
The names of counsel or the expert
                                             We must agree to support the appeal.
witnesses must be submitted to us
                                             If we so require the insured person
together with an explanation of the
                                             must co-operate in an appeal against
necessity for such action.
                                             the judgment of a court.
(f) Appeal procedure
                                             (g) Withdrawal by the insured person
If the insured person wishes to appeal
                                             If the insured person withdraws from
against a court's decision, we will give
                                             the legal proceedings or stops the
our agreement if all of the following
                                             action without our permission, unless
apply:
                                             the insured person has done this on
• the insured person must tell us of         the written advice of the appointed
  the wish to appeal immediately the         representative, the insured person
  right of appeal arises, as strict time     must pay all costs and expenses
  limits may apply;                          arising before the date of the
• the appeal arises from legal               withdrawal or stopping or those which
  proceedings to which we have already       arise because the action is withdrawn
  given our agreement under the terms        or stopped.
  of claims settlement condition 2
  above;                                     (h) Offer of settlement
• this application must be sent by           The insured person must inform us in
  recorded delivery at least ten working     writing as soon as an offer to settle
  days before the final date for lodging     legal proceedings is received, including
  the appeal;                                a payment into court. The insured

40
Policy Conditions
Section E – Legal Protection
continued


person must not offer to enter or          and/or the Solicitors Remuneration
enter into any agreement to settle         Order 1994.
without our prior written consent.
                                           The provision of any costs and
Any such agreement must take into          expenses does not imply that all costs
account the insurer's interest in the      and expenses will be paid. If the
recovery of costs.                         insured person is in doubt we should
                                           be consulted. The insured person must
If the insured person unreasonably         not without our written consent enter
withholds agreement to a settlement        into any agreement with the appointed
we reserve the right to withdraw our       representative as to payment of costs
support.                                   and expenses.
(i) Payment of legal expenses              ( j) Recovery of costs and expenses
All bills relating to any legal            The insured person through the
proceedings which the insured person       appointed representative shall be
receives from the appointed                responsible for the repayment to the
representative should be forwarded to      insurer of any award of costs in favour
us without delay.                          of the insured person or any costs
Bills must be certified by the insured     agreed to be paid to the insured
person to the effect that the charges      person as part of any settlement.
have been properly incurred and that       If the insurer pays costs and
we are authorised to settle on the         expenses up to the policy limit and the
insured person's behalf gross sum bills    insured person pays more costs and
must be accompanied by a breakdown         expenses to end the case, the insured
setting out the work done and rates        person will share with the insurer any
applied.                                   costs and expenses that are
If requested the insured person must       recovered. The insurer and the
ask the appointed representative to        insured person will each receive the
submit the bill of costs for taxation by   same percentage as was paid.
the court or certification by the law
society in accordance with the
provisions of the Solicitors Act 1974


                                                                                 41
Policy Exceptions
Section E – Legal Protection



These are the events and liabilities we   8. Any legal proceedings between:
do not cover under Section E.                (i) you and any members of your
1. Any claim reported to us more than            family;
   180 days after the insured person         (ii) any members of your family.
   should have known about the
   insured incident.                      9. Any legal proceedings between the
                                             insured person and the insured
2. Any incident or matter arising            person’s spouse, partner or former
   before the start of the cover             spouse or partner including any
   provided by this section.                 dispute relating to the custody of
                                             children.
3. Costs and expenses incurred
   before we have given our written       10. Any legal proceedings brought or
   consent.                                   transferred outside the territorial
                                              limits.
4. Fines, penalties, compensation or
   damages which an insured person        11. Any legal proceedings where a
   is ordered to pay by a court or            reasonable estimate of any costs
   other authority.                           and expenses to be paid would
                                              exceed a realistic valuation of the
5. Any insured incident intentionally         insured person’s claim.
   brought about by an insured
   person.                                12. Any matter arising from, or relating
                                              to any business or trading activity
6. Any legal action an insured person         or venture for gain undertaken by
   takes which we or the                      the insured person including but
   representative have not agreed to,         not limited to any personal
   or where an insured person does            guarantee (whether for gain or not)
   anything that hinders us or the            or investment in unlisted
   representative.                            companies. Notwithstanding the
                                              provisions of this exclusion the
7. Any claim relating to an insured
                                              insurer will indemnify the insured
   person’s alleged dishonesty, fraud,
                                              person in respect of costs and
   malicious conduct or alleged violent
                                              expenses incurred in the pursuit of
   behaviour.

42
Policy Exceptions
Section E – Legal Protection
continued


   legal proceedings arising from the        17. Notwithstanding Policy conditions 4
   insured person’s contract of                  – Arbitration a dispute with MMA
   employment subject other wise to              Insurance plc, us or the insurer
   the terms and conditions of this              unless the dispute falls.
   policy.
                                             18. Apart from us, the insured person
13. A claim relating to written or verbal        is the only person who may enforce
    remarks which damage an insured              all or any part of this policy and the
    person’s reputation.                         rights and interests arising from or
                                                 connected with it. This means that
14. The defence of any legal                     the Contract (Rights of Third
    proceedings arising from or relating         Parties) Act 1999 does not apply to
    to the insured person’s liability in         the policy in relation to any third
    their capacity as a director or              party rights or interests.
    officer of any company.
                                             19. An application for judicial review.
15. Any legal proceedings where the
    insured person is indemnified by or      20. Any costs or expenses arising
    entitled to be indemnified by:               directly or indirectly from:
   (i) any other insurance policy; or           (i) equipment failing correctly to
   (ii) any policy which the insured                recognise data representing year
        person is required to hold by               2000 or any other date in such
        law.                                        a way that is does not work
                                                    properly or at all;
16. A claim relating to a lease of land or      (ii) computer viruses, including any
    buildings of less than 21 years, or a            program or software which
    licence or tenancy of land or                    prevents any operation system,
    buildings. However, we do cover a                computer program or software
    dispute with a professional adviser              working properly or at all.
    in connection with the drafting of a
    lease, licence or tenancy                   This does not apply to any claim
    agreement.                                  relating to compensation for bodily
                                                injury.




                                                                                       43
Customer Information
Section E – Legal Protection



Law Applicable to the Contract               Registered office at Marshall’s Court,
The law applicable to this contract is       Marshall’s Road, Sutton, Surrey SM1 4DU.
subject to agreement between the             Great Lakes Reinsurance (UK) PLC
parties. Unless a special endorsement to     is registered in England and Wales
the contrary has been requested by you       No. 2189462.
and agreed by us the law applying to this
                                             Registered office at Plantation Place,
insurance contract will be as follows.
                                             30 Fenchurch Street, London, EC3M 3AJ.
(a) If you are applying for insurance
    protection as a private individual the   FirstAssist Insurance Services Limited
    law applicable to that part of the       is authorised and regulated by
    United Kingdom, Channel Islands or       the Financial Services Authority.
    Isle of Man in which you or the first    FSA Register No. is 310671.
    named policyholder normally resides;
                                             Great Lakes Reinsurance (UK) PLC
     or                                      is authorised and regulated by
(b) If you are applying for insurance        the Financial Services Authority.
    protection in your capacity as a         FSA Register No. is 202715.
    sole trader the law applicable to
    that part of the United Kingdom,         You can check this information on
    Channel Islands or Isle of Man in        the FSA’s Register by visiting the FSA’s
    which you have your principle            web site www.fsa.gov.uk/register or by
    place of business;                       contacting the FSA on 0845 6061234.

     or                                      FSCS Information
(c) If neither of the above applies the      Great Lakes Reinsurance (UK) PLC is
    Law of England & Wales.                  covered by the Financial Services
                                             Compensation Scheme. This provides
This insurance is issued in the United
                                             compensation in case any of its
Kingdom by FirstAssist Insurance
                                             members go out of business or into
Services Limited, and underwritten by
                                             liquidation and are unable to meet any
Great Lakes (UK) PLC.
                                             valid claims under its policies.
FirstAssist Insurance Services Limited
is registered in England and Wales           Further information can be obtained from
No. 04617110.                                the Financial Services Compensation

44
Customer Information
Section E – Legal Protection
continued


Scheme (www.fscs.org.uk) or by             If your complaint is not resolved or if
contacting the FSCS at 7th Floor, Lloyds   you are unhappy with our response,
Chambers, Portsoken Street, London         then you can progress your complaint
E1 8BN or by calling 0207 892 7300.        with our Customer Relations Team.

Complaints Procedure                       They will carry out a separate
                                           investigation and full review that will be
As a customer of FirstAssist, you have
                                           concluded by us issuing a final response
the right to expect the best possible
                                           letter. We will issue our final response
service and support. If we have not
                                           within eight weeks of your original
delivered the service that you expect
                                           complaint. If it is not possible to issue
or you are concerned with the service
                                           our response within this timescale we
provided, we would like the opportunity
                                           will write to you explaining why.
to put things right.
                                           Customer Relations Office
Our complaints process
                                           FirstAssist Insurance Services Limited
In our experience many problems can
                                           Marshall’s Court, Marshall’s Road
be resolved by speaking to the staff
                                           Sutton, Surrey SM1 4DU
directly responsible for the handling of
                                           Telephone: 020 8652 1313
your policy or claim. They will do their
                                           Fax: 020 8661 7604
best to address the problem and in our
                                           Email:
experience most issues can be resolved
                                           corporate.info@firstassistinsurance.co.uk
satisfactorily at this stage.

When you contact us we promise to:         What to do if you are still not
                                           satisfied
• fully investigate your complaint;
                                           If you are still not satisfied with our
• keep you informed of progress;           response then you may be able to
• do everything possible to resolve        refer your complaint to the Financial
  your complaint;                          Ombudsman Service. You must
                                           approach the Financial Ombudsman
• learn from our mistakes;
                                           Service within 6 months of our final
• use the information from your            response to your complaint. We will
  complaint to proactively improve our     remind you of the time limits in our
  service in the future.                   final response.

                                                                                     45
Customer Information
Section E – Legal Protection
continued


Financial Ombudsman Service                Data Protection Notice – How
(Insurance Division)                       we protect your personal data
South Quay Plaza, 183 Marsh Wall
                                           Introduction
London E14 9SR
Telephone: 0845 080 1800                   Please make sure that you read and
Email:                                     understand this Data Protection notice
enquiries@financial-ombudsman.org.uk       as it explains to you what we will do
Website:                                   with the information that you give us. If
www.financial-ombudsman.org.uk             you apply for our products and/or
                                           services it is highly likely that we will
Your rights                                need both personal and sensitive data
We must accept the Ombudsman’s             about yourself and anyone else who is
final decision, but you are not bound      covered by the application form in
by it and may take further action if you   order to administer the insurance policy
wish.                                      and any claims which may arise. You
                                           should show this notice to any other
Your rights as a customer to take legal    person covered under your insurance
action remain unaffected by the            policy. If your application includes
existence or use of our complaints         other individuals we will assume that
procedure. However the Financial           they have given their consent to you
Ombudsman Service will not adjudicate      for you to give their information to us.
on any cases where litigation has
commenced.                                 The Data Controller
                                           The Data Controller will be FirstAssist
Please note that the Financial
                                           Insurance Services Limited.
Ombudsman Service will only consider
complaints if you are a private            Protection of your personal data
policyholder, a business with a group
                                           The security of your personal
annual turnover of less than £1 million,
                                           information is very important to us and
a charity with an annual income of less
                                           we are compliant with all current data
than £1 million or a trustee of a trust
                                           protection legislation. All personal
with a net asset value of less than £1
                                           information that you supply to us either
million.
                                           in respect of yourself or other individuals
                                           in connection with our products and/or

46
Customer Information
Section E – Legal Protection
continued


services will be treated in confidence     Telephone calls
by us and will be held by us for the       Please note that for our mutual
purpose of providing and administering     protection telephone calls to FirstAssist
our products and services. This may        may be monitored and/or recorded.
involve the collection and processing of
sensitive data (as defined in the Data     Fraud prevention, detection and
Protection Act 1998) and if you            claims history
complete an application form for our
                                           In order to prevent and detect fraud
products and/or services you will be
                                           we may at any time:
giving your consent to such information
being processed by us (which may           • Share information about you with
include other companies within the           other organisations and public bodies
FirstAssist Group) or our agents. Your       including the Police;
personal and sensitive data may also       • Check and/or file your details with
be shared with the underwriter of our        fraud prevention agencies and
insurance products.                          databases, and if you give us false or
                                             inaccurate information and we suspect
It may be necessary to pass your
                                             fraud, we will record this. We and
personal and sensitive data to other
                                             other organisations may also search
companies for processing on our
                                             these agencies and databases to:
behalf. Some of these companies may
be based outside Europe in countries        – Help make decisions about the
which may not have the laws to protect        provision and administration of
your personal data, but in all cases we       insurance, credit and related
will ensure that it is kept securely and      services for you and members of
only used for the purposes for which it       your household;
was provided.                               – Trace debtors or beneficiaries,
                                              recover debt, prevent fraud and to
Inaccurate Data                               manage your accounts or
If you believe that we are holding            insurance policies;
inaccurate information about you,           – Check your identity to prevent
please contact the team responsible           money laundering, unless you
for administering your policy and they        furnish us with other satisfactory
will be happy to correct any errors.          proof of identity;

                                                                                   47
Customer Information
Section E – Legal Protection
continued


 – Undertake credit searches and
   additional fraud searches.

We can supply on request further
details of the databases we access or
contribute to.

Customer Satisfaction Surveys
We aim to continuously improve the
services we offer to our customers.
Occasionally we carry out customer
satisfaction surveys which may be for
our own benefit or for more general
interest, and we may need to collect
further information about you in
connection with them. Surveys will
usually be carried out by FirstAssist but
in some circumstances we will use an
external firm. Your participation in such a
survey is entirely optional but your help
and feedback would be appreciated.

Marketing
We would like to keep you informed (by
telephone, post or email) of selected
products and services available from us
and our carefully chosen suppliers. If
you would prefer not to receive this
information, please let us know when
you call or write.




48
Claims
Section E – Legal Protection



To make a claim under this section you
must:

1. Immediately telephone FirstAssist on
   0844 902 0761 and provide them
   with your scheme reference code
   71841.

2. FirstAssist may send you a Claims
   Form for completion. This should be
   returned with any relevant
   supporting documentation to:
  FirstAssist Insurance Services
  Limited, Marshall’s Court, Marshall’s
  Road, Sutton, Surrey SM1 4DU.
  Email: personal.claims@firstassist.co.uk

3. On receipt of the Claims Form
   FirstAssist will contact you and
   inform you of the next steps to take.

NB: FirstAssist will not pay any legal
costs which have been incurred without
their consent. FirstAssist will nominate
a representative on your behalf.




                                             49
Policy Cover
Section F – Endorsements



Your Schedule tells you if any of these          storage warehouse within the
Endorsements are in force.                       geographical limits.

1. Additional Interest Section A buildings       Excluding:

     The parties named in the Schedule           1. Loss or damage by theft not
     are interested in the insurance                involving entry to or exit from the
     provided by Section A of the Policy.           warehouse by forcible or violent
                                                    means;
2. Additional Protections (Theft)                2. Any cover provided under
     Cover for theft from the buildings             Section B.
     under any Section of the Policy is          Our liability under this endorsement
     not in force after the Specified Date       is not to exceed 15% of the Sum
     unless the Security Protections stated      Insured under the contents Section.
     are fitted to the buildings and they
     and all other Security Protections       5. Intruder Alarm Clause
     fitted at the inception of the Policy
                                                 It is a condition of Section B that:
     or subsequently are brought into
     operation whenever your home is             1. Your home is protected by an
     left unattended and whenever you               Intruder Alarm System approved
     or your guests retire at night except          by us and that no withdrawal
     in occupied bedrooms.                          alteration or variation of the
                                                    System or any structural
3. Additional Precautions                           alteration which might affect the
   (other than for theft)                           System shall be made without
     As from the Specified Date cover               our written approval;
     for the Section(s) of the Policy            2. Before your home is left
     stated is not in force unless                  unattended and when you or
     additional precaution(s) or action(s)          your guests retire at night the
     specified are implemented.                     System is set;

4. Cover in Depository                           3. The System is inspected and
                                                    maintained in thorough working
     The Policy extends to cover loss of
                                                    order during the currency of this
     or damage as defined in Section B
                                                    insurance under a contract with
     to the contents while in a furniture
                                                    an approved Engineer;

50
Policy Cover
Section F – Endorsements
continued


   4. Immediate notice be given to        damage caused by Malicious
      the Engineer of any defect          Persons or Vandals that the
      which may be discovered;            following Security Protections are
   5. Immediate notice be given to us     brought into operation (other than
      of any notice or downgrading or     in occupied bedrooms at night) and
      withdrawal of Police or any other   the keys removed from the locks
      security force protection.          whenever.
                                          1. The buildings are left
6. General Policy excess                     unattended; and when
   We will deduct the amount shown
                                          2. You and your guests retire at
   in the Schedule from each claim
                                             night.
   under the Policy (other than
   Section A:18 and Sections B:24 and     Protections
   B:25 and Section E) from the date
                                          1. The Final Exit Door shall be
   specified in addition to any other
                                             secured by locks defined in A B
   excess in the Policy.
                                             C or D below.
7. Individual Section excess              2. All other external doors
   We will deduct the amount shown           (including access doors from
   in the Schedule from each claim           integral garages into your
   resulting from the specified cause        dwelling) shall be secured by
   from the date specified in addition       locks defined in A B C D or E
   to any other excess in the Policy.        below.

8. Glass and sanitary ware excess         3. Sliding patio doors shall be
                                             secured by locks defined in A B
   We will deduct the amount shown
                                             D or E below.
   in the Schedule from each claim
   under Section A:12 and Section B:11    4. Double leaf French doors shall
   from the date specified in addition       be secured by locks defined in
   to any other excess in the Policy.        D and F below.

9. Compulsory theft protections           5. All accessible windows and
                                             skylights (accessible from the
   It is a condition of cover provided
                                             ground or from adjoining roofs
   for Theft or attempted Theft or

                                                                             51
Policy Cover
Section F – Endorsements
continued


        porches or downpipes) other          10. Security discount protections
        than louvred windows shall be           You agree that your home has the
        secured by locks and bolts              following Security Protections and
        defined in D or G below.                that whenever:
     6. All external louvred windows to         1. The buildings are left
        have the glass firmly fixed to the         unattended; and when
        frame with ‘superglue’ or similar
                                                2. You and your guests retire at
        strong adhesive.
                                                   night;
     7. All doors on domestic                   the following Security Protections
        outbuildings and garages shall          are brought into operation other
        be secured by locks and bolts           than in occupied bedrooms
        as defined in H below
        A. Mortice deadlock conforming          Protections
           to BS3621:1980;                      1. The Final Exit Door shall be
        B. Mortice deadlock with the               secured by locks defined in A B
           physical strength and security          C or D below.
           requirements of
                                                2. All other external doors
           BS3621:1980;
                                                   (including access doors from
        C. Rim automatic deadlock                  integral garages into your
           conforming to BS3621:1980               dwelling) shall be secured by
           and with a key lockable                 locks defined in A B C D or E
           handle on the inside;                   below.
        D. Key operated integral multi-
                                                3. Sliding patio doors shall be
           point locking system;
                                                   secured by locks defined in A B
        E. Any integral locks plus two             D or E below.
           key operated security bolts;
                                                4. Double leaf French doors shall
        F. Any integral locks plus four
                                                   be secured by locks defined in
           key operated security bolts;
                                                   D or F below.
        G. Key operated window locking
           devices;                             5. All accessible windows and
        H. Any key operated security               skylights (accessible from the
           devices.                                ground or from adjoining roofs

52
Policy Cover
Section F – Endorsements
continued


     porches or downpipes) other             H. Any key operated security
     than louvred windows shall be              devices.
     secured by locks and bolts
                                             You agree that these Protections
     defined in D or G below.
                                             will be maintained in full working
  6. All external louvred windows to         order.
     have the glass firmly fixed to the      If you do not comply with the
     frame with ‘superglue’ or similar       terms of this endorsement we will
     strong adhesive.                        not pay the first £500 of any claim
                                             for Theft or attempted Theft in
  7. All doors on domestic
                                             addition to any other excess in the
     outbuildings and garages shall
                                             Policy.
     be secured by locks and bolts
     as defined in H below:               11. High risk items deposited in bank
     A. Mortice deadlock conforming           vault.
        to BS3621:1980;                      The item(s) specified are only
     B. Mortice deadlock with the            insured while they are secured in a
        physical strength and                Bank Vault or Safety Deposit Vault.
        security requirements of
        BS3621:1980;
     C. Rim automatic deadlock
        conforming to BS3621:1980
        and with a key lockable
        handle on the inside;
     D. Key operated integral multi
        point locking system;
     E. Any integral locks plus two
        key operated security bolts;
     F. Any integral locks plus four
        key operated security bolts;
     G. Key operated window locking
        devices;


                                                                                  53
About MMA


MMA Insurance plc is a financially secure, well established UK insurer and a wholly
owned subsidiary of French multi-national MMA IARD Assurances Mutuelles, a mutual
insurer of some 180 years standing and part of Europe’s leading insurance mutual,
Covéa. We offer a range of bespoke and package products for small to medium sized
businesses as well as household and motor insurance.

MMA’s reputation is founded on a track record of consistent profitability, financial
stability (Standard & Poor’s rate MMA ‘A Strong’) and reliability for over 50 years. Our
long-term approach to doing business exclusively with our broker community ensures
that we listen to their needs and respond with practical solutions that are
sustainable. This spirit of partnership and mutual respect has resulted in very strong
relationships with brokers across the UK.

MMA Insurance is a member of the Association of British insurers and is covered by
the Financial Ombudsman Service. MMA is authorised and regulated by the Financial
Services Authority.




54
www.mma-insurance.com

MMA Insurance plc
Norman Place
Reading
RG1 8DA

Telephone: 0844 902 1000
Fax: 0118 955 2211




MMA Insurance plc
Registered in England and Wales No. 613259
Authorised and regulated by the Financial Services Authority No. 202277   P39H 03/10

				
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