Ageas House Guard Prestige

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					Ageas House Guard Prestige
Policy wording
ONECALL Claims Helpline open 24 hours a day, 365 days a year
0845 168 5685




Personal Lines | Commercial Lines | Protection
    Contents
What to do if you need to make a claim                4

Introduction to your policy                           5

Policy definitions                                   6-8

Policy conditions                                   9-12
Basis of the contract                                  9
The law that applies                                   9
Rights of third parties                                9
Changes                                                9
Precautions                                            9
Security                                               9
Cancelling the policy and the cooling-off period       9
Other insurances                                      10
Fraudulent claims                                     10
Data Protection Notice                                10
How to make a claim                                   10
How we will settle your claim                      10-11
Material Facts                                     11-12
Index linking                                         12
No claim discount                                     12

General policy exclusions                            12

Section 1 – Buildings                              13-20
Accidental damage extension                           20

Section 2 – Contents                               21-39
Accidental damage extension                           35
Unspecified personal belongings worldwide cover    36-37
Specified personal belongings extension               38
Pedal cycles extension                                39

Section 3 – Family Plus legal protection              40
Legal protection policy definitions                   40
What is covered                                    40-41
Insured incidents                                     41
What is not covered                                   42
Legal protection policy conditions                    43
If you need to make a claim                           44
When we cannot help                                   44




2   HH144 Nov 2010
Contents – continued


Section 4 – Identity theft protection       45
Identity theft policy definitions           45
What is covered                          45-46
What is not covered                         46
Identity theft policy conditions         46-47
If you need to make a claim                 47

Section 5 – Home Assistance                48
Home Assistance policy definitions         48
What is covered                            48
Insured incidents                          48
What is not covered                        49
Home Assistance policy conditions          50
If you need to make a claim                50
When we cannot help                        50

Data Protection Notice                     51

What to do if you have a complaint         52

Financial Services Compensation Scheme     53




                                                 HH144 Nov 2010   3
    What to do if you need to make a claim
    Call ONECALL 0845 168 5685
    The claims helpline is open 24 hours a day, 365 days a year


Onecall is a response service with operators who can                  Childcare assistance – 0845 168 5679
immediately confirm whether your policy covers you for the            DAS will arrange help following an emergency (such as illness
incident.                                                             or injury to an insured person) if a regular childminder cannot
We may record or monitor calls for training purposes or to            attend or you have to leave children at home unexpectedly.
improve the quality of our service.
We will not accept responsibility if any helpline service fails for   Home help emergency – 0845 168 5679
reasons we cannot control.                                            DAS will arrange help following an emergency (such as illness
When phoning, please have your policy number ready.                   or injury to an insured person) when help is needed to run the
                                                                      home. DAS can help find cleaning staff, au pairs and
Onecall repair and replacement service                                housekeepers.
(This is available if you have a valid claim under this
insurance.)                                                           Counselling – 0845 168 5691
                                                                      DAS will provide an insured person with a confidential
Repairs                                                               counselling service over the phone, including, where
•   if it is an emergency, we will arrange for one of our             appropriate, referral to relevant voluntary or professional
    approved repairers to contact you within two hours;               services.
•   if it is not an emergency, we will arrange for an approved
    repairer to contact you within 24 hours.                          EuroLaw Legal Advice Service – 0845 168 5679
We will pay the bill for any repairs if they are covered by this      This helpline gives you confidential legal advice on any
insurance. All you need do is pay any policy excess to our            personal legal problem, under the laws of the member
repairer.                                                             countries of the European Union, the Isle of Man, the Channel
                                                                      Islands, Switzerland and Norway.
Replacements
•  We can arrange to replace any lost, damaged and stolen             Tax Advice Service – 0845 168 5679
   items directly to you.                                             Use this service for confidential advice on personal tax
•  We can also arrange to upgrade the item if you want. All           matters
   you have to do is pay the difference.
                                                                      Health and Medical Information service – 0845 168 5691
For claims under section 3 - Family Plus legal protection             This helpline provides information on health and fitness
This cover is provided by DAS Legal Expenses Insurance                matters and medical matters. You can get advice on allergies,
Company Limited. To make a claim please phone DAS on                  side-effects of drugs and how to improve general fitness. You
0845 168 5679.                                                        can also get information on self-help groups, hospital waiting
                                                                      lists and family health service associations. DAS will also
                                                                      provide advice on patient rights, social security and social
Domestic and legal helplines                                          services matters.

Provided by DAS Legal Expenses Insurance Company
                                                                      Veterinary Assistance Service – 0845 168 5679
Limited. The advice given is free of charge and is available to
                                                                      If your pet is ill or injured, DAS can help to find a vet who can
all policyholders. All helplines apply to the United Kingdom
                                                                      offer treatment.
unless otherwise stated. DAS record all calls except those to
the Health and Medical information and Counselling services.
                                                                      Identity theft helpline service – 0845 168 5683
Please note if any work or service is carried out by one of
                                                                      This claims helpline is open 24 hours a day, 365 days a year.
DAS approved contractors a pre-payment by credit or debit
                                                                      DAS will provide you and any member of your family who
card will be required. Please do not phone DAS to report a
                                                                      always lives with you with detailed guidance and advice over
general insurance claim.
                                                                      the phone in respect of any concerns about being or
                                                                      becoming a victim of identity theft.


4   HH144 Nov 2010
    Introduction to your policy
This is your insurance policy. It is a contract of insurance       If your needs change or any of the information on which the
between you and us, and is made up of this booklet and             contract is based changes, we might need to alter the
your schedule. It is based on the statements and information       schedule. Under the policy conditions, you must tell us
you gave us or the information that was given on your behalf       about any changes. We will update the contract every time
when you applied for the insurance. That information may           we agree to an alteration. We will give you a new schedule
have been given to us on a proposal form, on a statement           each time we renew the contract or make an alteration. If
of fact or during a phone conversation. We used that               you ask us to, we will send you a new policy booklet when
information to assess the cover we would provide for you           you renew your policy.
and to set the premium and policy conditions we need for
that cover.                                                        We agree to insure you under the terms and conditions set
                                                                   out in this policy booklet and the sections shown in the
If you filled in a proposal form, we will send you a copy of       schedule for loss, damage, injury or liability that happens
it if you ask us to. If you did not fill in a proposal form, you   during the period of insurance. Your schedule tells you
should already have a copy of all the information you gave         which sections of this policy booklet apply. Opposite each
us. You must check this information carefully and let us           heading of cover on those pages you will find some
know immediately if any part of the information you gave           exceptions that tell you what is not insured under that
us is wrong.                                                       heading. There are also some general exclusions on page
                                                                   12 that apply to all of the contract of insurance.
You should read this policy booklet and your schedule
together. Please check them carefully to make sure                 You agree to pay the premium and to keep to the conditions
they give you the cover you want. You have 14 days from            of the policy.
when you receive your policy documents or enter into this
contract, whichever is later, to write to us if you want to        Thank you for choosing Ageas Insurance.
cancel your policy. This is known as a cooling-off period. If
you cancel your policy during this period of time, we will
refund your full premium less the amount of any claim you
have made.




                                                                   Mark Cliff
                                                                   Managing Director




                                                                                                                HH144 Nov 2010   5
    Policy definitions
    All through this Policy there are certain words printed in bold. These words
    have special meanings which are shown below and on pages 7 and 8.


Accidental damage                                                  •   animals, birds, fish or any living thing;
Unexpected and unintended damage caused by something               •   interior decorations.
sudden and external.
                                                                   Credit cards
Bedroom                                                            Charge, cheque, credit, debit and cash cards, but not cards
A room used as or originally built to be a bedroom, even if it     held for business purposes.
is now used for something else.
                                                                   Excess
Buildings                                                          The amount you must pay towards each claim.
The home and fixtures and fittings, garden walls, gates,
hedges and fences, paths, drives and patios, carports,             Family
permanent swimming pools built of brick, stone or                  The person you are married to or live with as if you were
concrete, permanently fixed hot tubs or jacuzzis, hard tennis      married, your children, foster children and any other person
courts and any outbuildings.                                       who permanently lives with you, but not lodgers or any other
                                                                   paying guests.
Business equipment
Computers, keyboards, visual display units, printers, word-        Fine art
processing equipment, desktop publishing units, fax                Collectors’ items, pictures and other works of art, rare and
machines, photocopiers, typewriters, computer-aided design         unusual figurines and ornaments
equipment, telecommunication equipment (but not mobile
phones) and office furniture, you or your family own.              Garage
                                                                   A structure originally built for storing a motor vehicle or motor
Computer viruses                                                   vehicles.
A corrupting instruction from an unauthorised source that
introduces itself through a computer system or network.            High-risk property
                                                                   Jewellery, precious stones, articles made from gold, silver and
Contents                                                           other precious metals, clocks, watches, furs, photographic
Household goods, high-risk property, business                      equipment, binoculars, telescopes, musical instruments, guns,
equipment, money, credit cards and personal belongings             collections of stamps, coins or medals. We treat pairs or sets of
you or your family own or are legally responsible for, but         items as one item.
not:
•    items held or used for business purposes (either totally or   Home
     partly) other than business equipment;                        The property shown at the address in the schedule,
•    electrically or mechanically propelled or assisted vehicles   landlord’s fixtures and fittings that you are responsible for,
     of all types (whether designed for road use or not),          and the property’s garages and outbuildings, all at the
     aircraft, caravans, trailers, boats or any parts and          same address and all used by you for domestic purposes
     accessories inside, attached or intended to be used with      only. If there are no business visitors to the property and no
     caravans, trailers, boats or motor vehicles (this does not    employees, one room may be used as an office. Unless we
     include domestic garden machinery that does not have          state otherwise in the schedule, the main building of your
     to be licensed, wheelchairs, registered disabled persons’     property must be made of brick, stone, concrete, flint or
     buggies that cannot go over 8 miles an hour and which         metal and have a slate, tile, metal, concrete or turnerised
     are not licensed for road use, electrically or mechanically   roof.
     propelled toys and models that cannot go over 8 miles an
     hour, or golf trolleys which are controlled by someone on
     foot);



6   HH144 Nov 2010
Incident                                                           •   any structure which is made of canvas, PVC or any other
Any event that might lead to a claim.                                  non-rigid material (except greenhouses); or
                                                                   •   any structure not within the boundary of the home, unless
Maximum claim limit                                                    we agree otherwise in writing.
The most we will pay for any one claim under any section (or its
extension) as shown in the schedule.                               Period of insurance
•    The maximum claim limit for section 1 - Buildings is          The time between the effective date and the expiry date as
     shown in your schedule.                                       shown in the schedule.
•    The maximum claim limit for Section 2 - Contents is
     shown in your schedule.                                       Personal belongings
•    The most we will pay for any one claim for High-risk          Items normally worn, used or carried by you or your family
     property is shown in your schedule.                           in daily life, but not money, credit cards or items held or
•    The most we will pay for any one claim for Fine art is        used for business purposes.
     shown in your schedule.
•    The limit shown in the schedule for high-risk property        Proposal form and statement of fact
     and Fine art applies within (not in addition to) the          The proposal form you signed or the statement of fact that
     maximum claim limit for section 2 - Contents shown in         contains information you gave us and any other information
     the schedule. If the limits shown in your schedule are        you gave us. This includes information given on your behalf.
     not enough, please contact your insurance adviser.
•    The most we will pay for any one claim for high-risk          Schedule
     property is shown in your schedule.                           The document that shows:
The limit shown in the schedule for high-risk property             •   your name and address;
applies within (not in addition to) the maximum claim limit for    •   the period of insurance;
section 2 - Contents shown in the schedule.                        •   the sections of this policy booklet that apply;
If the limits shown in your schedule are not enough, please        •   the excess;
contact your insurance adviser.                                    •   the premium you must pay;
                                                                   •   the property that is insured;
Money                                                              •   the maximum claim limit, and
Cash, cheques, postal and money orders, National Savings           •   details of any extensions or endorsements.
Stamps and Certificates, unused current postage stamps, gas,       We issue a schedule with each new contract of insurance,
electricity, television licence or other service payment stamps,   when you renew the policy and when we change the policy
traveller’s cheques, travel tickets, season tickets and luncheon   cover.
vouchers, but not items used for business purposes.
                                                                   Secured
Outbuildings                                                       •  Outside doors are fitted with five-lever locks.
Unless we agree otherwise in writing, these are sheds,             •  The windows can be locked with keys.
greenhouses and other structures but do not include:               •  Up-and-over doors can be locked with keys.
•   garages;                                                       •  Double doors can be locked with keys, and mortise bolts
•   carports or other structures that are open on one or              are fitted at the top and bottom of one of the doors.
    more sides;                                                    •  You maintain the locks and bolts in full working order.
•   structures that are lived in;                                  •  You use the locks and bolts at night, when nobody is in
•   any structure which is not on a permanent foundation              the home and when the home is unoccupied.
    or base;
•   tree houses;
•   inflatable structures of any kind;



                                                                                                                HH144 Nov 2010     7
Policy definitions – continued


Specified
Specified items are items that have been individually
identified to us and are shown in your schedule.

Unfurnished
A home with not enough furniture for someone to live in it.

Unoccupied
A home not lived in or not intended to be lived in for more
than 30 days in a row.

We, our, us
Ageas Insurance Limited. Registered address: Ageas House,
Tollgate, Eastleigh, Hampshire, SO53 3YA, England. Registered
number: 354568.
FSA registered number: 202039.

You, your
The person or people shown in the schedule as ‘the insured’.




8   HH144 Nov 2010
    Policy conditions
1   Basis of the contract                                             •   about any increase in the value of your contents or
    This contract is based on the statement of fact, or the               personal belongings;
    proposal form and declaration, this policy booklet and            •   if someone other than a member of your family
    the schedule.                                                         comes to live with you; and
    When you arranged this insurance:                                 •   if your home will be unoccupied for more than 30
    •   you gave us information which is shown on the                     days in a row.
        statement of fact; or                                         Please remember that if you do not tell us about
    •   you signed a declaration on the proposal form to              changes, it may affect any claim you make.
        say that the information on the form and any other
        information you have given us is true and correct as      5   Precautions
        far as you know.                                              You must take reasonable care to:
    The insurance will not be valid if:                               •  keep your home in a good state of repair; and
    •   any information you have given us is not true and             •  avoid or limit any loss, damage or injury.
        correct; or
    •   you do not keep to the conditions of the policy. You      6   Security
        cannot make a claim if the insurance is not valid.            If you live in certain areas, we may insist that you have
                                                                      high-security locks and, in some cases, an alarm system
2   The law that applies                                              fitted. To reduce your premium, you may have told us
    Unless we have agreed differently with you in writing, the        that you have these locks or an approved alarm.
    laws of England and Wales apply to this contract. All             We will print an endorsement on your schedule showing
    documents and communications will be received in the              the security measures you have told us are fitted, when
    English language.                                                 you must use them and the cover that is excluded if you
                                                                      do not use them. If we have insisted that you have this
3   Rights of third parties                                           security, but it is not fitted or you do not keep it in good
    Nothing contained in this contract gives anyone else any          working order, the cover under the policy will not be valid
    rights under the Contracts (Rights of Third Parties) Act          for theft, attempted theft or malicious damage.
    1999 or any legislation that amends the Act.
                                                                  7   Cancelling the policy and the cooling-off period
4   Changes                                                           You have 14 days from when you receive your policy
    You must immediately write and tell us about any change           documents or enter into this contract, whichever is later,
    that could affect this insurance. If you do not tell us           to write to us if you want to cancel your policy. This is
    about any change to a material fact, this insurance will no       known as a cooling-off period. If you cancel your policy
    longer be valid. (Material facts are ones that might              during this period of time, we will refund your full
    influence our decision to insure you, the conditions of           premium less the amount of any claim you have made.
    the insurance or the premium we want to charge. If you            You may cancel your policy any time after the cooling-off
    are not sure whether a fact is material, you should tell us       period by writing to us. The cancellation will take effect
    about it).                                                        immediately once we have processed your request
    In particular, you must tell us:                                  unless a specific future date for cancellation has been
    •    if you change your address;                                  selected.
    •    if you, or any person named in your schedule,                We or anyone we authorise can cancel this policy at any
         change job;                                                  time by sending you 14 days’ notice in writing. We will
    •    if you or your family receive a county court                 send the notice to the last known address we have for
         judgement or conviction, or are prosecuted (except           you. We will refund your premium for the time that was
         for motoring offences where a prison sentence has            left on your policy as long as you have not made a claim.
         not been served);
    •    about any changes to your buildings that will
         increase the rebuilding costs;
                                                                                                                 HH144 Nov 2010      9
     Policy conditions – continued


 8   Other insurances                                                  You must not:
     If you have any other insurance policies that cover the           •   throw away, get rid of or destroy any items that are
     same loss, damage or liability as this policy, we will only           damaged until we say so;
     pay our share of any claim.                                       •   admit or deny responsibility for any incident; or
                                                                       •   negotiate or settle any claims made against you by
 9   Fraudulent claims                                                     anyone else, unless we agree in writing that you can.
     We will not pay for any claim that is in any way fraudulent       We can negotiate, defend or settle, in your name and on
     or exaggerated, or if you or anyone acting for you uses           your behalf, any claims made against you. We can also
     fraud to get benefits under the policy. If you do, we will        take legal action in your name but for our benefit to get
     cancel the policy and we will not refund any premiums.            back any payment we have made under this policy.

 10 Data Protection Notice                                             Family Plus Legal Protection
    Please refer to the Data Protection Notice on page 51,             If you are claiming for legal expenses, please phone DAS
    which contains important information about our use of              on 0845 168 5679
    your personal details.
    Please make sure that you read the Data Protection             12 How we will settle your claim
    Notice carefully.                                                 We will settle your claim by replacing the items, paying
    By taking out this insurance policy, you confirm that we          you their cash value or by repairing or rebuilding them
    may use your personal information in this way. As the             (we will decide which). All our repairs are guaranteed for
    terms of the Data Protection Notice will also apply to            one year. If your property is only partly damaged, we will
    anyone else insured under your policy, you should also            pay for it to be repaired or rebuilt only if the repair or
    show the Data Protection Notice to anyone else whose              rebuild is actually done. If it is not done, we will pay you:
    name you give to us in connection with your policy.               •    the amount by which the property has gone down in
                                                                           value because of the damage; or
 11 How to make a claim                                               •    the estimated cost of the repair;
    If you need to make a claim, you must do the following as         whichever is the lowest.
    soon as possible.                                                 If you are insured for your buildings and your contents
                                                                      under the same policy, we will take off the excess under
     Buildings and/or Contents                                        only one cover if you make a claim under both covers for
     Call our claims helpline on 0845 168 5685 to report the          the same incident.
     incident.                                                        We may take any outstanding premium from any payment
     •   Tell the police as soon as reasonably possible if            we make.
         something is lost or if you suspect theft or malicious       We will answer all correspondence within five working
         damage.                                                      days of receiving it.
     •   Take all practical steps to get back any property which
         has been lost.                                                Important
     •   If we have asked you to fill in a claim form, send this       You must make sure that the maximum claim limit is
         back to us, with everything we have asked for, within         correct.
         30 days of the date of discovery of the claim.                •   Under section 1 - Buildings, the maximum claim
     •   Immediately send us any written claim which is made               limit must be enough to fully rebuild your home,
         against you, and give us full details of any verbal               including the cost of demolishing any existing
         claims made against you.                                          structures (if needed) and removing debris.
     •   Take reasonable action to protect the property from           •   Under section 2 - Contents, the maximum claim limit
         further loss or damage.                                           must be enough to replace all the contents of your
                                                                           home with new items of the same quality and type.



10   HH144 Nov 2010
•  For specified items of personal belongings, high-             Protecting sums insured
   risk property or any other specified item, the                    The maximum claim limit under the buildings and
   amount shown on the schedule must be enough to                    contents sections will not be reduced if you make a claim.
   replace the item as new.
When an incident happens:                                            Contents section and its extensions
•  if the maximum claim limit under any section is less              We will take off an amount (if appropriate) for wear and
   than the current cost of replacing, repairing or                  tear if you claim for loss of or damage to:
   rebuilding the property as new; or                                •   clothes and household linen (unless you can prove
•  if any amount shown in the schedule for personal                      they are less than three years old); or
   belongings, high-risk property, pedal cycles or any               •   pedal cycles (unless you can prove they are less than
   other specified item is less than the current cost of                 three years old).
   replacing the item as new;
we may either:                                                   13 Material facts
•  pay only part of the value of the claim; or                      We accepted your application for insurance because the
•  refuse to pay your claim.                                        information and facts that you gave about yourself
                                                                    allowed us to assess the chance of you suffering a loss,
Matching pairs or sets                                              based on statistics that we have gathered over many
We treat each separate item of a matching pair or set, or           years. The information allowed us to decide what premium
set of furniture, sanitary suite or fittings, soft furnishings      to charge you and what conditions should apply to your
or other fixtures and fittings, as a single item. We will only      cover.
pay for lost or damaged items. We will not pay for the cost         The information that helps us to assess the chance of you
of replacing, recovering or remodelling undamaged                   suffering a loss is called ‘material facts’. If any of these
pieces, or pieces which have not been lost or damaged,              ‘material facts’ were incorrect or have changed, or if you
just because it forms part of a set, suite or one of a              have not told us about something that might have
number of items similar in nature, colour or design. If an          influenced our assessment, and you have not received
item in a set is lost or damaged, the other pieces of the           our written agreement to the change or extra information,
set may lose some value, even if they have not been                 your policy may not be valid. If the policy is not valid, you
physically damaged themselves. This loss of value is not            cannot make a claim. If you are not sure whether a fact is
covered by the policy.                                              material, you should tell us about it.
                                                                    As a guide, here are a few examples of changes to
Matching carpets                                                    material facts. The list does not cover all possible
If you have a matching carpet or other floor covering in            changes. If you are not sure whether a fact is material,
more than one room or area, we treat each room or area              you should tell us about it immediately.
as separate. We will only pay for the damage to the carpet
or floor covering in the room or area where the damage               Example a
happened.                                                            The contract of insurance covers you if your home is
                                                                     unoccupied for up to 30 days in a row. You have told us
Buildings section                                                    that your home will not be left unoccupied for more than
If you keep your buildings in good repair, we will pay the           30 days in a row. If this changes and your home will be
cost of repairing, replacing or rebuilding the buildings,            left unoccupied for longer than 30 days in a row, you
but we will take off an amount (if appropriate) for wear             must tell us. This is a material fact as it affects our
and tear if you claim for:                                           assessment of the risk. If the home is left unoccupied
•    flat or felt roofs; or                                          for more than 30 days, the chances of a loss arising
•    gates or fences damaged by falling trees.                       increase and any damage is likely to be greater than it
                                                                     would be if the property was occupied. So, our
                                                                     assessment of the risk would be different for an
                                                                     unoccupied property.
                                                                                                               HH144 Nov 2010   11
     Policy conditions – continued


     Example b                                                       The act must be carried out by any person or group of
     The property covered by this policy is shown in your            people, whether acting alone or on behalf of or in
     schedule of insurance. If you change your address, this         connection with any organisation or government, for
     may influence the premium or the cover we are prepared          political, religious or similar purposes, including the
     to provide. You may need to have a higher level of              intention to influence any government or to put the public
     security, for example, special locks are a condition for        or any section of the public in fear.
     cover in some areas of the country. So, a change of             However, losses caused by or resulting from riot, strike,
     address is a material fact and you should report it to us       civil commotion and malicious damage are not excluded.
     before you move.                                            •   Any action taken to control or prevent terrorism.
                                                                 •   Loss, damage, injury or legal liability directly or indirectly
 14 Index-linking                                                    caused by or contributed to by:
    You have given us a sum insured amount for buildings             – riot or civil disturbance outside the United Kingdom,
    or contents cover on which to base your premium. We                    the Isle of Man or the Channel Islands;
    will change the maximum claim limit each month. We will          – riot, civil disturbance, strikes, industrial action or
    assess it each year on the renewal date. The change will               malicious acts committed in Northern Ireland by
    be in line with the published Consumer Durables Index                  people acting on behalf of or in connection with any
    for contents cover and the House Rebuilding Cost Index                 political organisation;
    for buildings. The amended maximum claim limit and               – property being confiscated or detained by customs or
    the renewal premium will be shown in your renewal                      other officials;
    notice. We will not reduce these limits if an index value        – pressure waves caused by aircraft and other flying
    reduces unless you ask us to do so. Index-linking the                  objects travelling at any speed;
    buildings maximum claim limit will continue during               – ionising, radiation or radioactive contamination from
    replacement or repair following a loss or damage as long               any nuclear fuel or nuclear waste arising from
    as the replacement or repair is carried out without                    burning nuclear fuel;
    unnecessary delay.                                               – the radioactive, poisonous, explosive or other
                                                                           dangerous properties of any nuclear equipment or
 15 No-claims discount                                                     nuclear part of that equipment; or
    If you have not made a claim during the period of                – war, invasion, revolution or any similar event.
    insurance immediately before you renew your policy,          •   Pollution or contamination by any substances, forces or
    we will include any available discount in your renewal           emissions (such as radiation) or organisms, or any
    premium. You may not transfer this discount to any               combination of them, if the pollution or contamination:
    other person.                                                    – did not happen suddenly;
                                                                     – was the result of an intentional act;
                                                                     – was expected or should have been expected;
 General policy exclusions                                           – happened before the policy started; or
                                                                     – is not reported to us as soon as possible and within
 The policy does not cover the following.
                                                                           30 days of the end of the period of insurance in
 •  Any loss or damage (including related cost or expense)
                                                                           which it happened.
    caused by any act of terrorism no matter whether any
                                                                 •   Consequential loss (that is, any loss which happens as a
    other cause or event contributes at the same time or in
                                                                     result of, or is a side effect of, the event for which you are
    any other order to the loss.
                                                                     insured).
    For the purpose of this exclusion, an act of terrorism
                                                                 •   Property more specifically covered by another policy of
    means using or threatening to use :
                                                                     insurance.
    – force or violence (or both); or
                                                                 •   Any criminal or deliberate act by you or your family.
    – biological, chemical or nuclear force.
                                                                 •   Any reduction in the market value of any property
                                                                     following its repair or reinstatement.


12   HH144 Nov 2010
    Section 1 – Buildings
    This section applies only if shown in the Schedule.


What is insured                                                    What is not insured
Your buildings are covered under this section.                     The excess shown in the schedule for every incident

The most we will pay
The most we will pay for loss of or damage to the buildings is
the maximum claim limit shown in the schedule.

The causes covered
The buildings identified in the schedule are covered for loss
or damage caused by any of the following;

1 Fire, smoke, explosion, lightning or earthquake.                 1 Scorching, singeing, melting or damage caused by smoke
                                                                     that happens gradually over a period of time.

2 Riot, civil commotion and labour or political disturbances and   2 Loss or damage that is not reported to the police within
  strikes.                                                           seven days.

3 Malicious damage.                                                3 Malicious damage caused:
                                                                     – by you or your family;
                                                                     – by a person lawfully allowed to be in your home; or
                                                                     – when your home is unoccupied or unfurnished.

4 The buildings being hit by:                                      4 Loss or damage
   • aircraft or other flying objects or anything dropped from        – caused by domestic animals, birds or pets;
     them;                                                            – to aerials, aerial fittings, satellite dishes or masts; or
   • fireworks;                                                       – arising from cutting down all or part of a fallen tree or the
   • vehicles or trains;                                                cost of cutting down all or part of a fallen tree and taking it
   • falling aerials, masts or satellite dishes;                        away, unless the fallen tree has damaged your buildings.
   • falling trees or branches;
   • animals, birds or insects; or
   • lamp posts or telegraph poles.

5 Storm or flood.                                                  5 Loss or damage
                                                                      – to gates, hedges, fences or swimming-pool covers;
                                                                      – caused by frost;
                                                                      – caused by subsidence, ground heave or landslip (this
                                                                        damage is covered under cause 6);
                                                                      – that happens gradually over a period of time; or
                                                                      – that does not arise from one identifiable event which
                                                                        directly and immediately caused the loss or damage.




                                                                                                                   HH144 Nov 2010   13
 Section 1 Buildings – continued


 What is insured                                                    What is not insured
 The causes covered                                                 The excess shown in the schedule for every incident. The
                                                                    excess for cause 6 - subsidence heave or landslip is reduced
                                                                    to £100 if the main building of the home was built within the
                                                                    last 10 years.


 6 Subsidence or ground heave of the site the buildings             6 Loss or damage:
   stand on, or landslip.                                             – to the buildings or their foundations because the
                                                                        materials they are built from shrink or expand;
                                                                      – to the buildings or their foundations by settlement;
                                                                        unless the settlement is caused by subsidence of the
                                                                        site on which the buildings stand;
                                                                      – caused by the sea or river wearing away the land;
                                                                      – caused by faulty design;
                                                                      – caused by foundations which do not meet the Building
                                                                        Regulations at the time of construction;
                                                                      – caused by faulty workmanship or faulty materials;
                                                                      – caused by demolishing, structurally altering or repairing
                                                                        the buildings;
                                                                      – to solid floor slabs or damage from solid floor slabs
                                                                        moving, unless the foundations underneath the outside
                                                                        walls of the main building are damaged at the same time
                                                                        and by the same cause;
                                                                      – to walls, gates, hedges, outbuildings, fences, paths,
                                                                        drives, patios, swimming pools, ornamental pools or
                                                                        tennis courts, unless the main building is damaged at the
                                                                        same time and by the same cause; or
                                                                      – for which compensation is provided by contract or
                                                                        legislation.
                                                                      Damage that started before this policy came into force.
                                                                      Loss of market value after repairs.

 7 Water leaking from or freezing in any fixed domestic water       7 Loss or damage when your home is unoccupied or
   or drainage installation, heating installation, washing            unfurnished.
   machine, dishwasher, water bed, fish tank, refrigerator or         Repairs to the pipework or other parts of the water or
   deep-freeze cabinet.                                               heating system unless caused by freezing.
   We will also pay the reasonable costs you have to pay to           Costs we have not agreed to.
   find where the water is leaking from, including the cost of        Loss or damage caused by subsidence, ground heave or
   repairs to walls, floors or ceilings. You must get our             landslip (this damage is covered under cause 6).
                                                                      Any amount above the amount shown in the schedule.
   agreement before work starts in order to receive this benefit.
                                                                      Loss or damage that has been happening gradually over a
   The most we will pay for finding where the water is leaking
                                                                      period of time.
   from is the amount shown in the schedule.
                                                                      Loss or damage that would not have arisen if there had not
                                                                      been a failure to deal with existing damage which a
                                                                      reasonable person should have noticed and where there
                                                                      has been an unreasonable delay in starting repairs.
                                                                      Any amount above the amount shown in the schedule.


14   HH144 Nov 2010
What is insured                                                    What is not insured
The causes covered                                                 The excess shown in the schedule for every incident.

8   Theft or attempted theft.                                      8   Theft or attempted theft:
                                                                       – by you or any member of your family; or
                                                                       – when your home is unoccupied or unfurnished.

9   Oil leaking from a fixed domestic oil-fired heating system,    9   Repairs to the pipework or other parts of the heating
    including smoke or smudge damage caused by                         system.
    evaporation from a faulty oil-fired heating system. We will        Costs we have not agreed to.
    also pay the reasonable costs you have to pay to find where        Any amount above the amount shown in the schedule.
    oil is leaking from, including the cost of repairs to walls,       Loss or damage that has been happening gradually over
    floors or ceilings. You must get our agreement before work         a period of time.
    starts in order to receive this benefit.                           Loss or damage that would not have arisen if there had
    The most we will pay for finding where the oil is leaking          not been a failure to deal with existing damage which a
    from is the amount shown in the schedule.                          reasonable person should have noticed and where there
                                                                       has been an unreasonable delay in starting repairs.
                                                                       Any amount above the amount shown in the schedule.

10 Property owner’s liability                                      10 Any amount for death, bodily injury, illness or disease to
   We will pay all amounts you or a member of your family             you, your family or any domestic employee. Any amount
   legally have to pay for causing;                                   for loss or damage to property owned, leased, let,
   • death, bodily injury, illness or disease; and                    rented, hired, lent or entrusted to you.
   • loss of or damage to property; which is caused by an             Liability arising directly or indirectly from:
       accident happening in or around the buildings during           – any lift (other than a stairlift) you own or you are
       the period of insurance and which arise:                          responsible for maintaining;
   • from you owning but not occupying the buildings; or              – any deliberate or malicious act;
   • from faulty work on any private home (within the                 – occupation of any land or building;
       United Kingdom, the Isle of Man or the Channel                 – using the home for any business, trade, profession or
       Islands) which you sold or moved out of before the                employment; and
       injury or damage happened (this insurance will                 – any agreement unless you would have had that
       continue for seven years from the date your policy                liability without the agreement.
       ends or is cancelled, but will not apply if the policy is      Any amount above the amount shown in the schedule.
       invalid or your liability is covered by a more recent
       policy).
   The most we will pay under this section for any one claim,
   or series of claims arising from one cause, is the
   maximum claim limit shown in the schedule.
   If you die, we will indemnify (protect) your legal
   representative against your or your family’s liability.




                                                                                                              HH144 Nov 2010   15
 Section 1 Buildings – continued


 What is insured                                                   What is not insured
 The causes covered                                                The excess shown in the schedule for every incident.

 11 Professional fees and costs                                    11 The cost of preparing a claim.
    Necessary and reasonable expenses for rebuilding or
    repairing the buildings as a result of damage insured
    under this section, including:
    • architects’, surveyors’ and legal fees;
    • the cost of clearing debris from the site, clearing drains
       and demolishing or shoring up the buildings; and
    • other costs necessary to keep to government or local
       authority requirements, unless you had received notice
       to meet the requirements before the damage happened.



 12 Underground pipes, drains and cables                           12 Cleaning blocked drains, unless the blockage is caused
    The cost of repairing accidental breakage to the fabric of        by damage to the fabric of the drains insured under this
    cables, underground pipes, drains and tanks (and their            section.
    inspection covers) serving your home and for which you            Natural failure, wear and tear of drains.
    are responsible.                                                  Deterioration of materials, faulty design and drainage
                                                                      which did not meet the Building Regulations at the time
                                                                      of construction.


 13 Glass and sanitary ware                                        13 Loss or damage caused by scratching or denting.
    Accidental breakage to:                                           Damage caused when your home is unoccupied or
    • fixed glass and ceramic hobs built into cookers that are        unfurnished.
      permanent fixtures in your home;                                The cost of replacing undamaged items.
    • sanitary fixtures and fittings in your home; and                Damage to window or door frames.
    • solar panels.

 14 Rent and alternative accommodation                             14 Any amount above the amount shown in the schedule.
    Rent you would have received or are responsible for
    paying while the buildings cannot be lived in because of
    damage insured by this section. We will also pay the
    reasonable costs of necessary alternative accommodation
    for you, your family and your domestic pets if the
    buildings cannot be lived in because of damage insured
    by this section.
    The most we will pay in any one period of insurance is
    shown in the schedule.

 15 Buyer’s cover
    If you have exchanged contracts to sell your home, we
    will give the buyer the benefit of the insurance under this
    section until the sale is completed, unless the buyer has
    insurance cover elsewhere.



16   HH144 Nov 2010
What is insured                                                    What is not insured
The causes covered                                                 The excess shown in the schedule for every incident.

16 If you sell your home
   If you have exchanged contracts to sell your home, we will
   continue to provide cover until the sale goes through as long
   as:
   • this period is not more than 60 days from the date of
       exchanging contracts (or in Scotland, the date of
       “conclusion of missives”); and
   • you have already insured your new home under this
       policy.

17 Protection against damage caused by emergency                   17 Any amount above the amount shown in the schedule.
   services We will pay for damage to your buildings
   caused by the emergency services if they cause damage
   while getting into your home to deal with an emergency.
   The most we will pay for any one claim is the amount
   shown in the schedule.

18 Removal of squatters                                            18 Legal costs for removing the squatters while your home
   If squatters live in your home, we will pay up to the              or any part of it is:
   maximum claim limit shown in the schedule towards                  - lent, let or sublet to or occupied by someone who is not
   your legal costs for removing them. You must get our                  a member of your family; or
   agreement in writing before you start proceedings to               - unoccupied or unfurnished.
   receive this benefit.                                              Costs we have not agreed to in writing.
   The most we will pay in any one period of insurance is             Any amount above the amount shown in the schedule.
   shown in the schedule.

19 Replacement locks and keys                                      19 Any amount above the amount shown in the schedule.
   We will pay the cost of replacing and installing locks on
   outside doors if:
   • your keys are lost outside the home or are stolen; or
   • they are damaged inside the home by an event
       insured under this section.
   If you insure both your buildings and contents under
   this policy and make a claim for replacement locks and
   keys, we will make one claims payment under either
   your buildings or contents section of cover. It is not
   possible to make a claim under both buildings and
   contents cover for the same incident.
   The most we will pay for any one claim is the amount
   shown in the schedule.




                                                                                                                HH144 Nov 2010   17
 Section 1 Buildings – continued


 What is insured                                                 What is not insured
 The causes covered                                              The excess shown in the schedule for every incident.

 20 Accidental loss of metered water or oil in domestic          20 Loss while the home is unoccupied or unfurnished.
    heating systems                                                 Any amount above the amount shown in the schedule.
    If you insure both your buildings and contents under
    this policy and make a claim for accidental loss of
    metered water or oil, we will make one claims payment
    under either your buildings or contents section of
    cover. It is not possible to make a claim under both
    buildings and contents cover for the same incident.
    The most we will pay for any one claim in any one
    period of insurance is shown in the schedule.

 21 Garden cover                                                 21 Malicious damage caused by:
    We will pay for loss or damage caused to hedges, lawns,         – you or your family; or
    trees, shrubs and plants that you own, which are outside        – a person lawfully allowed to be in your home.
    the building but within the boundaries of the home, by          Loss or damage:
    any of the following:                                           – caused by wear and tear or deterioration;
    • Theft or attempted theft;                                     – caused by natural ageing;
    • Fire, lightning or explosion;                                 – caused by domestic animals, birds or pets;
    • Storm or flood;                                               – caused by frost;
    • Malicious damage;                                             – caused by subsidence, landslip or heave;
    • Accidental damage caused by any person other than             – caused by smoke or bonfires;
        you or your family;                                         – from light or atmospheric or climatic conditions; or
    • Wild animals;                                                 – caused by insects, vermin, rot, mildew, fungus or
    • Television aerials, satellite dishes and masonry falling        poisoning.
        from the building; or                                       Loss or damage caused in connection with your trade,
    • Branches falling from trees.                                  business or profession.
    If you insure both your buildings and contents under            Any amount above the amount shown in the schedule.
    this policy and make a claim for garden cover, we will
    make one claims payment under either your buildings
    or contents section of cover. It is not possible to make a
    claim under both buildings and contents cover for the
    same incident.
    The most we will pay for any one claim is the amount
    shown in the schedule.




18   HH144 Nov 2010
What is insured                                                    What is not insured
The causes covered                                                 The excess shown in the schedule for every incident.

22 Acquired disability                                             22 Any necessary alterations that can be recovered from
   We will pay the reasonable cost of carrying out necessary          another party.
   alterations to your home if you or a member of your                Any amount above the amount shown in the schedule.
   family become permanently physically disabled during the
   period of insurance as a result of a sudden and
   unforeseen incident.
   Permanent physical disability means that you or a
   member of your family has total and permanent loss of
   one arm, hand, foot or leg or are registered blind.
   If you insure both your buildings and contents under
   this policy and make a claim for acquired disability, we will
   make one claims payment under either your buildings or
   contents section of cover. It is not possible to make a
   claim under both buildings and contents cover for the
   same incident.
   The most we will pay for any one claim in any one period
   of insurance is shown in the schedule.

23 Compulsory evacuation alternative accommodation                 23 Any amount above the amount shown in the schedule.
   We will pay the reasonable cost of necessary alternative
   accommodation for you, your family and your domestic
   pets if the buildings cannot be lived in because a local
   authority prohibits you from living in them following loss or
   damage to a neighbouring property. This cover will
   operate for a period of 30 days from the date of
   compulsory evacuation.
   If you insure both your buildings and contents under
   this policy and make a claim for compulsory evacuation,
   we will make one claims payment under either your
   buildings or contents section of cover. It is not possible
   to make a claim under both buildings and contents cover
   for the same incident.
   The most we will pay in any one period of insurance is
   shown in the schedule.

24 Newly acquired fixtures                                         24 Any amount above the amount shown in the schedule.
   We will cover your newly acquired fixtures for loss or
   damage covered under this section for a period of 60 days
   from the date that you purchase them if your buildings
   maximum claim limit is exceeded.
   We reserve the right not to insure any newly acquired
   fixtures after the 60th day.
   For this cover to apply you must agree to increase the
   buildings maximum claim limit and pay any additional
   premium that is due.
   The most that we will pay for any one claim is the amount
   shown in the schedule.

                                                                                                            HH144 Nov 2010   19
 Section 1 Buildings optional cover – Accidental damage extension
 This extension of cover applies only if shown in the schedule.




 What is insured                                             What is not insured
 The buildings are covered under this section.               The excess shown in the schedule for every incident.
                                                             Anything listed as not covered under the buildings section.
 The most we will pay                                        Any risk already insured under the buildings section.
 The most we will pay is the maximum claim limit under the
 buildings section.

 The causes covered
 25 Accidental damage                                        25 Damage caused by or resulting from:

                                                                  –  wear and tear, loss of value or lack of maintenance;
                                                                  –  movement of the land the buildings are on;
                                                                  –  any part of the buildings moving, settling or shrinking;
                                                                  –  demolishing or structurally altering or repairing the
                                                                     buildings;
                                                                  – insects, moths, vermin, parasites, wet rot, dry rot,
                                                                     fungus, atmospheric conditions, light or other gradual
                                                                     causes;
                                                                  – altering, washing, cleaning, restoring, maintaining,
                                                                     repairing, dismantling or misusing the building;
                                                                  – frost;
                                                                  – faulty workmanship, design or materials;
                                                                  – chewing, scratching, tearing or fouling by domestic
                                                                     animals and pets; or
                                                                  – the effects of chemicals.
                                                                  Electrical or mechanical breakdown.
                                                                  The cost of maintenance or routine redecoration. Damage
                                                                  caused by a person your home or any part of it is lent, let
                                                                  or sublet to.
                                                                  Damage when your home is unoccupied or
                                                                  unfurnished.
                                                                  Damage to hot tubs and jacuzzis.




20   HH144 Nov 2010
    Section 2 – Contents
    This section applies only if shown in the Schedule.


What is insured                                                 What is not insured
Your and your family’s contents are covered when they are:      The excess shown in the schedule for every incident.
                                                                Anything more specifically insured in another part of
• in the buildings of the home; and                             this policy.
• in the open but within the boundary of the home.              Any amount above the amount shown in the schedule.

The most we will pay
The contents are covered up to the maximum claim limit
shown in the schedule when in the main building of your
home. However, the following limits apply.

High-risk property
• The most we will pay for any one claim is the maximum
  claim limit for high-risk property shown in the schedule.
• The most we will pay for any one item is the maximum
  claim limit shown in the schedule.

Business equipment
• The most we will pay for any one claim is the maximum
  claim limit for business equipment shown in the schedule.
• The most we will pay for any one item of business
  equipment is the maximum claim limit shown in the
  schedule.

Contents in the open (but within the boundary of your home)
• The most we will pay for any one claim is the maximum
  claim limit for contents in the open shown in the schedule.
• The most we will pay for any one item is the maximum
  claim limit shown in the schedule.

Money
• The most we will pay for any one claim is the maximum
  claim limit for money shown in the schedule.

Credit cards
• The most we will pay for any one claim is the maximum
  claim limit for credit cards shown in the schedule.

Deeds and documents
• The most we will pay for any one claim is the maximum
  claim limit for deeds and documents shown in the
  schedule.

Fine art
• The most we will pay for any one claim is the maximum
   claim limit for Fine art shown in the schedule.
• The most we will pay for any one item is the maximum
   claim limit shown in the schedule.


                                                                                                          HH144 Nov 2010   21
 Section 2 Contents – continued


 What is insured                                                What is not insured
 The causes covered
                                                                The excess shown in the schedule for every incident.
 The contents are covered for loss or damage caused by the
 following.

 1 Fire or smoke, explosion, lightning or earthquake.           1 Scorching, singeing, melting or damage caused by smoke
                                                                  that happens gradually over a period of time.

 2 Riot, civil commotion and labour or political disturbances   2 Loss or damage that is not reported to the police within
   and strikes.                                                   seven days.

 3 Malicious damage.                                            3 Malicious damage caused:
                                                                  – by you or your family;
                                                                  – by a person lawfully allowed to be in your home;
                                                                  – when your home is unoccupied or unfurnished; or
                                                                  – by computer viruses.

 4 Your home being hit by:                                      4 Loss or damage caused by domestic animals, birds or pets.
   • aircraft or other flying objects, or anything dropped        The cost of cutting down all or part of a fallen tree and taking
     from them;                                                   it away, unless the fallen tree has also damaged your
   • vehicles or trains;                                          contents.
   • fireworks;                                                   Damage caused by cutting down all or part of a tree.
   • falling aerials, masts or satellite dishes;
   • falling trees or branches;
   • animals, birds, insects; or
   • lamp posts or telegraph poles.

 5 Storm or flood.                                              5 Storm or flood damage to property away from your home
                                                                  and not in a building.
                                                                  Loss or damage that happens gradually over a period of time.
                                                                  Loss or damage that does not arise from one identifiable
                                                                  event which directly and immediately caused the loss or
                                                                  damage.

 6 Subsidence or ground heave of the site your home             6 Loss or damage caused by:
   stands on, or landslip.                                        - the sea or river wearing away the land;
                                                                  - faulty design or construction of the buildings or their
                                                                    foundations;
                                                                  - demolishing, altering or repairing the buildings; or
                                                                  - the foundations of the building or the materials from which
                                                                    they are built shrinking or expanding.
                                                                    Loss or damage for which compensation is provided by
                                                                    contract or legislation.
                                                                  Damage that started before this policy came into force.



22   HH144 Nov 2010
What is insured                                                   What is not insured

The causes covered                                                The excess shown in the schedule for every incident.

7 Escaping water                                                  7 Loss or damage:
  Water leaking from any fixed domestic water or heating             – to the fixed domestic water or heating system itself; or
  system, washing machine, dishwasher, water bed, fish                  when the main building of your home is unoccupied
  tanks, refrigerator or deep-freeze cabinet.                           or unfurnished.
                                                                     Loss or damage that has been happening gradually over a
                                                                     period of time.
                                                                     Loss or damage that would not have arisen if there had
                                                                     not been a failure to deal with existing damage which a
                                                                     reasonable person should have noticed and where there
                                                                     has been an unreasonable delay in starting repairs.

8 Theft or attempted theft.                                       8 Theft or attempted theft:
  The most we will pay for any one claim for theft of contents      – by deception, unless entry only is gained by deception;
  from an outbuilding or garage is the maximum claim                – by you or any member of your family;
  limit for theft of contents in an outbuilding or garage           – when your home is unoccupied or unfurnished; or
  shown in the schedule.                                            – when your home or any part of it is lent, let or sublet to or
  The most we will pay for any one claim for theft of contents        occupied by someone who is not a member of your
  from a secured outbuilding or garage built of brick, stone          family, unless force causing damage to the main building
  or concrete and kept in good repair is the maximum claim            of the home was used to get in or out of the building.
  limit for theft of contents in a secured outbuilding or           Any amount above the amount shown in the schedule.
  garage shown in the schedule.
  The most we will pay for any one claim is the amount
  shown in the schedule.

9 Damage caused by oil leaking from a fixed domestic oil-         9 Loss or damage to the fixed domestic oil-fired heating
  fired heating system, including smoke or smudge damage            system itself.
  caused by evaporation from a faulty oil-fired heating system.     Loss or damage that has been happening gradually over
                                                                    a period of time.
                                                                    Loss or damage that would not have arisen if there had
                                                                    not been a failure to deal with existing damage which a
                                                                    reasonable person should have noticed and where there
                                                                    has been an unreasonable delay in starting repairs.




                                                                                                                 HH144 Nov 2010   23
 Section 2 Contents – continued


 What is insured                                                  What is not insured

 The causes covered                                               The excess shown in the schedule for every incident.

 10 Accidental breakage to television sets (and their aerials),   10 Damage:
    satellite receivers or decoders, radios, audio equipment,        – to video cameras, digital cameras or digital imaging or
    video-recording equipment, DVD players, DVD recorders,               recording equipment designed to be hand-held or
    games consoles capable of playing DVDs or desk-top                   carried;
    personal computers.                                              – to portable audio equipment;
                                                                     – to laptop computers;
                                                                     – to musical instruments;
                                                                     – to records, compact discs, computer disks, cassettes,
                                                                         tapes or DVDs;
                                                                     – caused by cleaning, maintaining, adjusting, repairing,
                                                                         dismantling or misusing the item;
                                                                     – caused by wear and tear or deterioration;
                                                                     – caused by electrical or mechanical breakdown;
                                                                     – from light, or atmospheric or climatic conditions;
                                                                     – caused by scratching or denting; or
                                                                     – caused by computer viruses.
                                                                     Loss, destruction or damage to any electrical appliance
                                                                     or computer software caused by or arising from it failing
                                                                     to correctly recognise any date or time.
                                                                     Loss of data or information arising as a result of any
                                                                     computer data-processing equipment or similar equipment
                                                                     failing to correctly recognise any date or time.

 11 Accidental breakage in your home to:                          11 Loss or damage caused by scratching or denting.
    • fixed glass in furniture (but not glass in pictures or
      clocks);
    • glass shelves;
    • glass tops to furniture;
    • fixed glass in mirrors; or
    • ceramic hobs and ceramic tops in free-standing
      cookers.

 12 Accidental loss of metered water or oil in domestic           12 Loss while the home is unoccupied or unfurnished.
    heating systems.                                                 Any amount above the amount shown in the schedule.
    If you insure both your buildings and contents under
    this policy and make a claim for accidental loss of
    metered water or oil, we will make one claims payment
    under either your buildings or contents section of
    cover. It is not possible to make a claim under both
    buildings and contents cover for the same incident.
    The most we will pay for any one claim is the amount
    shown in the schedule.



24   HH144 Nov 2010
What is insured                                                What is not insured

The causes covered                                             The excess shown in the schedule for every incident.

13 Damage to food in any refrigerator or deep freezer          13 Loss or damage caused by:
   caused by:                                                     – your power supply being cut off by the supplier; or
   • a rise or fall in temperature; or                            – a strike, a lockout or an industrial dispute.
   • contamination by refrigerant or refrigerant fumes.           Any amount above the amount shown in the schedule.
   The most we will pay for any one claim is the amount
   shown in the schedule.

14 Public and personal liability                               14 Death, bodily injury, illness or disease suffered by you,
   We will pay all amounts you or a member of your family         your family or a domestic employee.
   legally have to pay for causing:                               Loss or damage to property owned, leased, let, rented,
   • death, bodily injury, illness or disease; or                 hired, lent or entrusted to you or your family. Liability
   • loss of or damage to property;                               arising out of owning, using or possessing any: -
   which is caused by an accident happening during the            mechanically powered or motorised vehicles, except garden
   period of insurance and arising;                               machinery, wheelchairs, registered disabled persons’
   • from your occupation (but not ownership) of the              buggies that cannot go over 8 miles an hour and which are
       buildings; or                                              not licensed for road use and pedestrian-controlled models
   • in a private role not connected with owning the              or toys that cannot go over 8 miles an hour;
       buildings.                                                 – aircraft, except model aircraft that have a wing span of
   The most we will pay under this section for any one               less than 10 feet;
   claim, or series of claims arising from one cause, is the      – gliders, hang-gliders and microlights;
   maximum claim limit shown in the schedule plus any             – hovercraft, boards or any other craft or equipment
   costs and expenses we agree in writing.                           designed for use in or on water, other than pedestrian-
   If you die, we will indemnify (protect) your legal                controlled models or toys and hand- or foot- propelled
   representative against your or your family’s liability.           boats;
                                                                  – caravans, horse boxes, trailers or trailer tents;
                                                                  – firearms, except legally held sporting guns used for
                                                                     sporting purposes;
                                                                  – dog of a type specified under section 1 of the
                                                                     Dangerous Dogs Act 1991 or any later amendments to
                                                                     that act; or
                                                                  – lift (other than a stairlift) you own or you are responsible
                                                                     for maintaining.
                                                                  Injury or damage arising from:
                                                                  – a direct or indirect result of an assault or alleged assault;
                                                                  – any deliberate or malicious act;
                                                                  – hunting or racing of any kind, except on foot; or
                                                                  – your business, trade, profession or employment.
                                                                  Liability arising from any disease or virus that you pass on
                                                                  to another person.
                                                                  Any liability you have under a contract, unless you would
                                                                  have had that liability without the contract. Any action for
                                                                  damages brought in a court outside the United Kingdom,
                                                                  the Channel Islands and the Isle of Man.
                                                                  Any amount above the amount shown in the schedule.



                                                                                                              HH144 Nov 2010   25
 Section 2 Contents – continued


 What is insured                                                  What is not insured

 The causes covered                                               The excess shown in the schedule for every incident.

 15 Liability for domestic employees                              15 Any amount above the amount shown in the schedule.
    We insure you against your legal liability for all
    amounts you have to pay for accidental bodily injury
    which happens to any of your domestic employees
    during the course of their work or which is caused by
    you during the period of insurance.
    Cover applies anywhere in the world if the contract of
    service was entered into in the United Kingdom, the Isle
    of Man or the Channel Islands.
    The most we will pay under this section for any one claim,
    or series of claims arising from one cause, is the
    maximum claim limit shown in the schedule plus any
    costs and expenses we agree in writing.

 16 Tenant’s liability                                            16 Any amount above the amount shown in the schedule.
    We insure you against your legal liability as a tenant for       Damage to the structure of your home, or to the
    all amounts you have to pay for:                                 landlord’s fixtures, fixings and interior decorations,
    • damage to the structure of your home, or to the                caused by the causes 1 to 9 under section 2 of this
        landlord’s fixtures, fittings and interior decorations,      policy, while your home is unoccupied or unfurnished.
        caused by the causes 1 to 9 under section 2 of this          Loss or damage excluded under any of the causes 1 to 9
        policy;                                                      of section 2 - Contents.
    • the cost of repairing accidental damage to the
        cables, underground pipes and drains (and their
        inspection covers) which serve your home;
    • accidental breakage to fixed glass in windows, doors,
        fanlights, skylights, greenhouses, conservatories and
        verandas; and
    • accidental breakage to fixed sanitary fittings and
        bathroom fittings.
    The most we will pay under this section for any one claim,
    or series of claims arising from one cause, is the
    maximum claim limit shown in the schedule plus any
    costs and expenses we agree in writing.




26   HH144 Nov 2010
What is insured                                                    What is not insured

The causes covered                                                 The excess shown in the schedule for every incident.

17 Unpaid damages                                                  17 Any amount above the amount shown in the schedule.
   We will pay the unpaid amount of any award made in your
   favour for compensation for bodily injury or damage to
   property. This compensation must have been awarded by a
   court in the United Kingdom, the Isle of Man or the Channel
   Islands.
   We will pay the amount if:
   • you have not received full payment within three months
      of the date of the award;
   • the bodily injury or damage happened in the United
      Kingdom, the Isle of Man or the Channel Islands;
   • you would have had a valid claim under cause 14 of this
      policy if the award had been made against you; and
   • there is not going to be an appeal.
   After we have made a payment, we may enforce your rights
   against the person who should have made the payment.
   (In this case, we will keep any amounts we get back.) The
   most we will pay under this section for any one claim, or
   series of claims arising from one cause, is the maximum
   claim limit shown in the schedule plus any costs and
   expenses we agree in writing.



18 Contents temporarily removed                                    18 Loss or damage:
   Your contents are covered for loss or damage as a result           – to any item kept in a furniture depository (a furniture
   of causes 1 to 9 of this section when they are temporarily           depository is a commercial furniture warehouse that
   removed from your home but within the United Kingdom,                protects the items stored from theft, damage or
   the Isle of Man or the Channel Islands. However, for theft of        weather conditions);
   your contents (excluding money), the theft must be from:           – caused by theft or attempted theft from an unlocked
   • any bank or safe deposit, or while you or any member of            hotel room, motel room, bed-and-breakfast bedroom
       your family are taking the items to or from the bank or          or other similar temporary lodging;
       safe deposit;                                                  – by storm, flood or malicious damage to items not in a
   • a home or a building you or your family are working or             building;
       living in temporarily; or                                      – in halls of residence or student accommodation;
   • any other building if there are visible signs that force or      – to any item taken out of your home to sell, display or
       violent means were used to get into or out of the                exhibit;
       building.                                                      – during removals; or
   Money is covered away from your home only if it is stolen          – from a caravan, mobile home or motor home.
   from a building and there are visible signs that force or          Any amount above the amount shown in the schedule.
   violent means were used to get into or out of the building.
   The most we will pay for any one claim is the amount shown
   in the schedule.



                                                                                                               HH144 Nov 2010   27
Section 2 Contents – continued


What is insured                                                    What is not insured

The causes covered                                                 The excess shown in the schedule for every incident.

19 Rent and alternative accommodation                              19 Any amount above the amount shown in the schedule.
   If you cannot live in your home because of damage
   insured under this section:
   • we will pay the reasonable cost of necessary alternative
       accommodation for you, your family and your
       domestic pets until you can live in your home again;
       and
   • if you are a tenant, we will also pay any rent you have
       to pay while you are not living in your home.
       The most we will pay in any one period of insurance is
       shown in the schedule.

20 Replacement locks and keys                                      20 Any amount above the amount shown in the schedule.
   We will pay the cost of replacing and installing locks on
   outside doors if:
   • your keys are lost outside the home or are stolen; or
   • they are damaged inside the home by an event insured
       under this section.
   If you insure both your buildings and contents under this
   policy and make a claim for replacement locks and keys,
   we will make one claims payment under either your
   buildings or contents section of cover. It is not possible to
   make a claim under both buildings and contents cover for
   the same incident.
   The most we will pay for any one claim is the amount
   shown in the schedule.

21 Household removal                                               21 Loss of or damage to:
   If your contents are professionally packed and carried,            – glass or other fragile items; or
   we will insure you against loss or damage to the contents          – property in storage or in a furniture depository. (A
   while they are:                                                      furniture depository is a commercial furniture
   • being transported anywhere in the United Kingdom, the              warehouse that protects the items stored from theft,
       Channel Islands or the Isle of Man between your old              damage or weather conditions.)
       address and your new address;
   • on their way to or from a furniture depository;
       and
   • being loaded or unloaded.

22 Fatal injury                                                    22 Any amount above the amount shown in the schedule.
   If you or any member of your family have a fatal injury:
   • caused by a fire in your home; or
   • as a result of an assault in your home;
   We will pay the amount shown in the schedule for the
   person who dies, but only if they die within 12 months of
   the fire or assault.
   The most we will pay in any one period of insurance is
   shown in the schedule.

28   HH144 Nov 2010
What is insured                                                 What is not insured

The causes covered                                              The excess shown in the schedule for every incident.

23 Wedding and civil partnership ceremony insurance             23 Any amount above the amount shown in the schedule.
   The maximum claim limit under this section is
   increased by the amount shown in the schedule for 30
   days before and 30 days after your or any member of
   your family’s wedding day or civil partnership ceremony,
   to cover wedding and civil partnership ceremony gifts
   and the cost of items bought for the wedding or civil
   partnership ceremony. During this period, we will insure
   the wedding or civil partnership ceremony gifts against
   loss or damage when they are:
   • in your home
   • in the building where the wedding or civil partnership
      ceremony reception is held; or
   • being transported between your home and the
      reception.
   The most we will pay for any one claim is the amount
   shown in the schedule.

24 Birthday increase                                            24 Any amount above the amount shown in the schedule.
   The maximum claim limit under this section is
   increased by the amount shown in the schedule 30 days
   before any member of your family’s birthday, to cover
   birthday gifts purchased for members of your family.
   The most we will pay for any one claim is the amount
   shown in the schedule.

25 Religious festival increase                                  25 Any amount above the amount shown in the schedule.
   The maximum claim limit under this section is
   increased by the amount shown in the schedule during
   the month of your religious festival to cover gifts and
   extra food and drink bought for the religious festival.
   The most we will pay for any one claim is the amount
   shown in the schedule.

26 Guests’ contents                                             26 Any loss or damage excluded under causes covered 1 to
   We will cover contents belonging to your guests or              9 listed on the previous pages.
   visitors while in your home for the causes insured 1 to 9       Loss or damage if any item is insured under any other
   listed on the previous pages if they are not insured under      policy.
   any other policy.                                               Any amount above the amount shown in the schedule.
   The most we will pay for any one claim is the is the
   amount shown in the schedule.




                                                                                                          HH144 Nov 2010   29
 Section 2 Contents – continued


 What is insured                                                 What is not insured

 The causes covered                                              The excess shown in the schedule for every incident.

 27 Shopping in transit                                          27 Loss or damage caused by theft or attempted theft from
    Loss of or damage to food and other items while you             an unattended motor vehicle or where a motor vehicle is
    are bringing them to your home from the shop or shops           stolen unless:
    where you bought them.                                          – the item is kept in a locked covered boot or glove
    The most we will pay is the amount shown in the                     compartment;
    schedule.                                                       – all access points to the vehicle are closed and
                                                                        locked;
                                                                    – any extra security systems are activated; or
                                                                    – there is evidence that forcible and violent entry took
                                                                        place.
                                                                    Any amount above the amount shown in the schedule.

 28 Tenant’s home improvements                                   28 Any amount above the amount shown in the schedule.
    If you are a tenant of your home, we will pay for loss of
    or damage to interior decorations and any home
    improvements you have paid for, as long as this loss or
    damage is as a result of any of the causes covered in
    this section.
    The most we will pay in any one period of insurance is
    the maximum claim limit shown in the schedule.

 29 Counselling fees                                             29 Any amount above the amount shown in the schedule.
    If you or members of your family suffer emotional stress
    as a result of a cause insured under this section, we will
    pay you the cost of any professional counselling provided:
    • we have approved the counselling;
    • counselling has been recommended by a qualified
        medical practitioner.
    The most we will pay for any one claim is the amount
    shown in the schedule.

 30 Dual contents cover                                          30 Any amount above the amount shown in the schedule.
    We will cover your contents up to the maximum claim
    limit shown in your schedule while they are in a new
    home that you have exchanged, but not completed
    contracts on, one week before you move into the new
    home.
    The most we will pay for any one claim is the amount
    shown in the schedule.




30   HH144 Nov 2010
What is insured                                                 What is not insured

The causes covered                                              The excess shown in the schedule for every incident.

31 Garden cover                                                 31 Malicious damage caused by:
   We will pay for loss or damage caused to hedges,                – you or your family; or
   lawns, trees, shrubs and plants that you own, which are         – a person lawfully allowed to be in your home. Loss or
   outside the building but within the boundaries of the             damage:
   home, by any of the following:                                  – caused by wear and tear or deterioration;
   • Theft or attempted theft;                                     – caused by natural ageing;
   • Fire, lightning or explosion;                                 – caused by domestic animals, birds or pets;
   • Storm or flood;                                               – caused by frost;
   • Malicious damage;                                             – caused by subsidence, landslip or heave;
   • Accidental damage caused by any person other                  – caused by smoke or bonfires;
       than you or your family;                                    – from light or atmospheric or climatic conditions; or
   • Wild animals;                                                 – caused by insects, vermin, rot, mildew, fungus or
   • Television aerials, satellite dishes and masonry falling        poisoning;
       from the building; or                                       Loss or damage caused in connection with your trade,
   • Branches falling from trees.                                  business or profession.
   If you insure both your buildings and contents under            Any amount above the amount shown on the schedule.
   this policy and make a claim for garden cover, we will
   make one claims payment under either your buildings
   or contents section of cover. It is not possible to make
   a claim under both buildings and contents cover for
   the same incident.
   The most we will pay for any one claim is the amount
   shown in the schedule.

32 Student belongings                                           32 Loss of money.
   We will pay for loss or damage covered under this               Loss or damage caused by theft or attempted theft
   section to contents belonging to or the responsibility of       unless there is evidence that forcible and violent entry
   you or a member of your family when they are in halls           took place.
   of residence or any other term time student                     Any amount above the amount shown in the schedule.
   accommodation where you or a member of your family
   are living whilst attending boarding school, college or
   university.
   The most we will pay for any one claim is the amount
   shown in the schedule.
   The most we will pay for any one item is the amount
   shown in the schedule.




                                                                                                            HH144 Nov 2010    31
 Section 2 Contents – continued


What is insured                                                    What is not insured

The causes covered                                                 The excess shown in the schedule for every incident.

33 Newly acquired contents                                         33 Any amount above the amount shown in the schedule.
   We will cover your newly acquired contents for loss or
   damage covered under this section for a period of 60 days
   from the date that you purchase them if your contents
   maximum claim limit is exceeded.
   We reserve the right not to insure any newly acquired
   contents after the 60th day.
   For this cover to apply you must agree to increase the
   contents maximum claim limit and pay any additional
   premium that is due.
   The most we will pay for any one claim is the amount
   shown in the schedule.
34 Acquired disability                                             34 Any necessary alterations that can be recovered from
   We will pay the reasonable cost of carrying out necessary          another party.
   alterations to your home if you or a member of your                Any amount above the amount shown in the schedule.
   family become permanently physically disabled during the
   period of insurance as a result of a sudden and
   unforeseen incident.
   Permanent physical disability means that you or a member
   of your family has total and permanent loss of one arm,
   hand, foot or leg or are registered blind.
   If you insure both your buildings and contents under this
   policy and make a claim for acquired disability, we will make
   one claims payment under either your buildings or
   contents section of cover. It is not possible to make a claim
   under both buildings and contents cover for the same
   incident.
   The most we will pay in any one period of insurance is
   shown in the schedule.
35 Hole in one golf cover                                          35 Any amount above the amount shown in the schedule.
   We will pay towards your drinks expenses if you record a
   hole in one during an official golf tournament. The score
   cards and a certificate from your golf club or match
   secretary must be submitted to us in the event of a claim.
   The most we will pay in any one period of insurance is the
   amount shown in the schedule.
36 Parents or Grandparents contents in a nursing or residential    36 Loss of money
   care home                                                          Any amount above the amount shown in the schedule.
   Contents belonging to or the responsibility of your parent
   or grandparent are covered for loss or damage as a result
   of causes 1 to 9 of this section when they are in a nursing
   home or residential care home where they are a permanent
   resident.
   The most we will pay for any one claim is the amount
   shown in the schedule.
   The most we will pay for any one item is the amount shown
   in the schedule.


32   HH144 Nov 2010
What is insured                                                 What is not insured

The causes covered                                              The excess shown in the schedule for every incident.

37 Contents in storage                                          37 Contents in a furniture depository for longer than 180
   We will pay for loss or damage caused by fire, lightning        days in any one period of insurance.
   or theft to contents belonging to or the responsibility of      Contents in a furniture depository outside the United
   you or a member of your family when they are in a               Kingdom.
   furniture depository for a period of up to 180 days in any      Loss or damage caused by theft or attempted theft
   one period of insurance.                                        unless there is evidence that forcible and violent entry
   A furniture depository means a commercial warehouse             took place.
   that protects the items stored from theft, damage or            Any amount above the amount shown in the schedule.
   weather conditions.
   The most we will pay in any one period of insurance is
   the amount shown in the schedule.

38 Assault in the home alternative accommodation                38 Any amount above the amount shown in the schedule.
   If you or a member of your family suffers from an
   assault in your home, we will pay the reasonable cost
   of alternative accommodation for you, your family and
   your domestic pets for a period of up to 7 days after the
   assault while the physical security of your home is
   being improved.
   Assault means a violent physical attack committed by a
   third party who does not live at the home.
   The most that we will pay for any one claim is the
   amount shown in the schedule.

39 Compulsory evacuation alternative accommodation              39 Any amount above the amount shown in the schedule.
   We will pay the reasonable cost of necessary alternative
   accommodation for you, your family and your domestic
   pets if the buildings cannot be lived in because a local
   authority prohibits you from living in them following loss
   or damage to a neighbouring property. This cover will
   operate for a period of 30 days from the date of the
   compulsory evacuation.
   If you insure both your buildings and contents under
   this policy and make a claim for compulsory evacuation,
   we will make one claims payment under either your
   buildings or contents section of cover. It is not possible
   to make a claim under both buildings and contents
   cover for the same incident.
   The most we will pay in any one period of insurance is
   shown in the schedule.




                                                                                                            HH144 Nov 2010    33
 Section 2 Contents – continued


 What is insured                                               What is not insured

 The causes covered                                            The excess shown in the schedule for every incident.

 40 Fine art death of the artist cover                         40 Any amount above the amount shown in the schedule.
    We will increase the maximum claim limit for any item
    of Fine art by up to 100% if the artist dies during the
    period of insurance. We will do this for the 6 month
    period immediately following the death of the artist.
    This increased maximum claim limit will only apply if
    you can produce a professional valuation or purchase
    receipt which is not more than 3 years old and can
    prove that the item of Fine art has increased in value
    following the death of the artist.
    The most we will pay for any one claim is the amount
    shown in the schedule.

 41 Fine art defective title                                   41 Any item of Fine art that was not purchased during the
    We will pay for the loss of any item of Fine art you          period of insurance.
    have purchased if it does not have good title and has to      Any item of Fine art that was inherited or received as
    be returned to the rightful owner.                            a gift.
    The most we will pay for any one claim is the amount          Any amount above the amount shown in the schedule.
    shown in the schedule.

 42 Data replacement                                           42 Any amount above the amount shown in the schedule.
    We will pay the cost of retrieving your personal or
    business data, stored in a computer at your home or on
    a solid state drive, as a result of loss or damage
    covered under this section.
    The most we will pay for any one claim is the amount
    shown in the schedule.

 43 Loss or damage to downloaded data                          43 Any amount above the amount shown in the schedule.
    We will pay for loss or damage covered under this
    section to non-recoverable electronic data that you or a
    member of your family have legally downloaded. If you
    make a claim for downloaded data we will ask you for
    proof that you downloaded this data.
    The most we will pay in any one period of insurance is
    the amount shown in the schedule.




34   HH144 Nov 2010
Section 2 Contents optional cover – Accidental damage extension
This extension of cover applies only if shown in the schedule.




What is insured                                             What is not insured

The causes covered                                          The excess shown in the schedule for every incident.

44 Accidental damage                                        44 Anything listed as not covered under the contents section.
                                                               Any event already covered under the contents section.
                                                               Damage to:
                                                               – clothing, including furs;
                                                               – documents or securities such as share or bond
                                                                   certificates;
                                                               – money;
                                                               – food and drink; and
                                                               – contact or corneal lenses.
                                                               Any amount over £500, unless we have agreed a higher
                                                               amount in writing, for damage to items of glass, china,
                                                               porcelain, earthenware, stone or other fragile or brittle
                                                               material while they are being handled.
                                                               Damage:
                                                               – from wear and tear or loss in value;
                                                               – caused by moths, vermin, parasites, insects, wet or dry
                                                                   rot, fungus, atmospheric conditions, light or other
                                                                   gradual causes;
                                                               – caused by scratching or denting;
                                                               – caused by cleaning, washing, dyeing, restoring,
                                                                   reproofing, adjusting, maintaining, repairing or misusing
                                                                   the item;
                                                               – when your home is unfurnished or unoccupied;
                                                               – caused when your home or any part of it is lent, let,
                                                                   sublet or lived in only by someone who is not a member
                                                                   of your family;
                                                               – caused by chewing, scratching, tearing or fouling by
                                                                   domestic animals or pets;
                                                               – caused by computer viruses; or
                                                               – caused by faulty workmanship or design.
                                                               Loss, destruction or damage to any electrical appliance or
                                                               computer software caused by or arising from it failing to
                                                               correctly recognise any date or time.
                                                               Loss of data or information arising as a result of any
                                                               computer data-processing equipment or similar device
                                                               failing to correctly recognise any date or time.
                                                               Loss or damage that has been happening gradually over a
                                                               period of time.
                                                               Loss or damage that would not have arisen if there had not
                                                               been a failure to deal with existing damage which a
                                                               reasonable person should have noticed and where there
                                                               has been an unreasonable delay in starting repairs.
                                                               Electrical or mechanical breakdown.



                                                                                                          HH144 Nov 2010   35
 Section 2 Contents – Unspecified personal belongings worldwide cover
 This cover applies only if shown in the schedule.




 What is insured                                                    What is not insured

 Your or your family’s pedal cycles, personal belongings,           The excess shown in the schedule for every incident.
 money and credit cards are covered anywhere in the world
 during the period of insurance.                                    Loss or damage happening within the home to items which are
 We treat a pair or set of items as a single item. We treat a bag   not high-risk property.
 of golf clubs, whether or not by the same manufacturer, as a       Items used for business and professional purposes unless it is
 set.                                                               a laptop computer and shown in the schedule.
                                                                    Any amount above the amount shown in the schedule.
 The causes covered                                                 Loss or damage:
 • Loss of or damage to pedal cycles, personal belongings,          – caused by theft or attempted theft from an unlocked hotel
   money and credit cards.                                             room, motel room, bed-and-breakfast bedroom or other
 • Financial loss if your credit card is lost or stolen and            similar temporary lodging;
   someone else uses it.                                            – from wear and tear or loss of value;
 We will provide this cover only if you:                            – caused by moths, vermin, parasites, insects, wet or dry rot,
 • immediately report the loss or theft of any credit card to          fungus, atmospheric conditions, light or other gradual
   the credit card company;                                            causes;
 • report the loss or theft to the local police within 24 hours     – caused by scratching or denting;
   of discovering the loss or theft; and                            – caused by cleaning, washing, dyeing, restoring, reproofing,
 • keep to the conditions of the credit card.                          adjusting, maintaining, repairing or misusing the item;
                                                                    – caused by chewing, scratching, tearing or fouling by
 The most we will pay                                                  domestic animals or pets;
 • For personal belongings, the most we will pay for any            – to sports equipment when it is being used;
   one claim is the maximum claim limit shown in the                – to reeds, strings or drum skins of musical instruments;
   schedule. The most we will pay for any one item is the           – to camping equipment;
   maximum claim limit shown in the schedule.                       – to documents and securities such as share or bond
 • For money, the most we will pay for any one claim is the            certificates;
   maximum claim limit shown in the schedule.                       – to portable televisions, car audio or car audio-visual
 • For credit cards, the most we will pay for any one claim            equipment and car phones;
   is the maximum claim limit shown in the schedule.                – to china or glass (except spectacles);
                                                                    – to contact or corneal lenses;
                                                                    – to dentures while being used for eating;
                                                                    – to crowns, caps or fillings in teeth;
                                                                    – to furniture or household goods;
                                                                    – to trees, shrubs or plants growing in the garden;
                                                                    – to animals;
                                                                    – to motor vehicles, trailers, caravans, boats or the
                                                                       accessories or associated equipment belonging to any
                                                                       of these;
                                                                    – to mopeds or motorised pedal cycles, or pedal cycles that
                                                                       have been fitted with motorised assistance of any kind;
                                                                    – to pedal cycles being used or while practising for racing,
                                                                       pacemaking or testing of any kind;
                                                                    – to pedal cycles you do not keep in your home when not
                                                                       in use;



36   HH144 Nov 2010
What is insured   What is not insured

                  – to accessories or removable parts of pedal cycles unless
                     they are lost or damaged at the same time and by the same
                     incident as the pedal cycle; or
                  – to pedal cycle tyres caused by cuts, bursts or punctures.
                  Loss or damage caused by theft or attempted theft from an
                  unattended motor vehicle or where a motor vehicle is stolen,
                  unless:
                  – the item is kept in a locked covered boot or glove
                     compartment;
                  – all access points to the vehicle are closed and locked;
                  – any extra security systems are turned on; or
                  – there is evidence that forcible and violent entry took place.
                  Theft or attempted theft of an unattended pedal cycle away
                  from the home unless the pedal cycle is either in a locked
                  building or secured by a suitable chain and padlock (or cycle
                  lock) to a post, cycle rack or immovable object.
                  Electrical or mechanical breakdown.




                                                               HH144 Nov 2010   37
 Section 2 Contents – Optional cover – Specified personal belongings extension
 This extension applies only if shown in the schedule.




 What is insured                                                     What is not insured

 Your and your family’s specified personal belongings                The excess shown in the schedule for every incident.
 and high-risk property (that are individually listed in the
 schedule) are covered anywhere in the world during the              Loss or damage:
 period of insurance.                                                – to sports equipment when it is being used;
                                                                     – to reeds, strings or drum skins of musical instruments;
 The causes covered                                                  – to dentures while being used for eating;
 Loss or damage, but we will pay a claim for loss or theft only if   – to crowns, caps or fillings in teeth;
 you report the loss or theft to the local police within 24 hours    – from wear and tear or loss of value;
 of discovering it.                                                  – caused by moths, vermin, parasites, insects, wet or dry
                                                                        rot, fungus, atmospheric conditions, light or other gradual
 The most we will pay                                                   causes;
 The most we will pay for any specified item is the                  – caused by scratching or denting;
 maximum claim limit shown in the schedule next to each              – caused by cleaning, washing, dyeing, restoring,
 item.                                                                  reproofing, adjusting, maintaining, repairing or misusing
 If you make a claim, you will need to give us evidence that            the item; or
 you own the item you are claiming for.                              – caused by chewing, scratching, tearing or fouling by
 For high-risk property, you will also have to provide a                domestic animals or pets.
 valuation for the item.                                             Loss or damage caused by theft or attempted theft from an
                                                                     unattended motor vehicle or where a motor vehicle is stolen,
                                                                     unless:
                                                                     – the item is kept in a locked covered boot or glove
                                                                        compartment;
                                                                     – all access points to the vehicle are closed and locked;
                                                                     – any extra security systems are turned on; or
                                                                     – there is evidence that forced and violent entry took place.
                                                                     Loss or damage to portable computers caused by theft or
                                                                     attempted theft from a motor vehicle between 7pm and 7am.
                                                                     Items used for business and professional purposes unless it is
                                                                     a laptop computer and shown in the schedule.
                                                                     Electrical or mechanical breakdown.




38   HH144 Nov 2010
Section 2 Contents Optional Cover – Pedal cycles extension
This extension applies only if shown in the schedule.




What is insured                                                What is not insured

Your and your family’s pedal cycles (listed in the schedule)   The excess shown in the schedule for every incident.
are covered anywhere in the world during the period of
insurance.                                                     Theft or attempted theft of an unattended pedal cycle away
                                                               from the home unless the pedal cycle is either:
The causes covered                                             – in a locked building; or
Loss or damage.                                                – secured by a suitable chain and padlock (or cycle lock) to
                                                                  a post, cycle rack or immovable object.
The most we will pay                                           Loss or damage:
The most we will pay for pedal cycles is the amount shown      – to mopeds or motorised pedal cycles, or pedal cycles that
against each cycle in the schedule.                               have been fitted with motorised assistance of any kind;
                                                               – to pedal cycles being used or while practising for racing,
                                                                  pacemaking or testing of any kind;
                                                               – to pedal cycles you do not keep at home when not in use;
                                                               – to accessories or removable parts of pedal cycles, unless
                                                                  they are lost or damaged at the same time and by the
                                                                  same incident as the pedal cycle;
                                                               – from wear and tear or loss of value;
                                                               – caused by moths, vermin, parasites, insects, atmospheric
                                                                  conditions, light or other gradual causes;
                                                               – caused by scratching or denting; or
                                                               – caused by cleaning, washing, restoring, adjusting,
                                                                  maintaining, repairing or misusing the cycle.
                                                               Mechanical breakdown.
                                                               Cuts, bursts or punctures to tyres.




                                                                                                           HH144 Nov 2010   39
      Section 3 – Family Plus legal protection
      This section applies only if shown in the Schedule.


 For this section, this contract of insurance is between you and   Representative
 DAS Legal Expenses Insurance Company Limited. All through         The lawyer, accountant or other suitably qualified person who
 this section there are certain words printed in bold. These       has been appointed by us to act for an insured person in
 words have special meanings that are shown below:                 accordance with the terms of this policy.

 Legal protection policy definitions                               Territorial limit
                                                                   For insured incidents 2 Contract disputes and 3 Bodily
 Costs and expenses                                                injury:
 a) Legal costs: All reasonable and necessary costs                The European Union, the Isle of Man, the Channel Islands,
    chargeable by the representative on a standard basis.          Albania, Andorra, Bosnia Herzegovina, Croatia, Gibraltar,
 b) Accountant’s costs: All reasonable and necessary costs         Iceland, Liechtenstein, Macedonia, Monaco, Montenegro,
    chargeable by the representative                               Norway, San Marino, Serbia, Switzerland and Turkey.
 c) Opponent’s costs: We will pay the costs incurred by            For all other insured incidents:
    opponents in civil cases if an insured person has been         The United Kingdom of Great Britain and Northern Ireland, the
    ordered to pay them, or pays them with our agreement.          Isle of Man and the Channel Islands.

 Date of occurrence                                                We, us, our
 a) For civil cases (except under insured incident 5, Tax          DAS Legal Expenses Insurance Company Limited.
    protection), the date of occurrence is the date of the         Head and Registered Office: DAS House, Quay Side, Temple
    event which may lead to a claim. If there is more than one     Back, Bristol, BS1 6NH.
    event arising at different times from the same originating     Registered in England and Wales, number 103274.
    cause, the date of occurrence is the date of the first of
    these events.                                                  You, your
 b) For criminal cases, the date of occurrence is when the         The person or people who has taken out this policy.
    insured person began, or is alleged to have begun, to
    break the criminal law in question.                            What is covered
 c) For full enquiries, the date of occurrence is when the HM      1. This section covers the insured person. We agree to
    Revenue and Customs first notifies the insured person in          provide the insurance in this section, as long as:
    writing of their intention to make enquiries.                     a) the premium has been paid; and
                                                                      b) the date of occurrence of the insured incident is
 Full enquiry                                                            during the period of insurance and within the territorial
 An extensive examination by the HM Revenue and Customs                  limit; and
 which considers all aspects of the insured person’s self-            c) any legal proceedings will be dealt with by a court, or
 assessment tax return, but not enquiries which are limited to           other body which we agree to, in the territorial limit; and
 one or more specific aspects of the insured person’s self-           d) for civil claims, it is always more likely than not that an
 assessment tax return.                                                  insured person will recover damages (or obtain any
                                                                         other legal remedy which we have agreed to) or make a
 Insured person                                                          successful defence.
 You and any member of your family who always lives with
 you. Anyone claiming under this policy must have your             2. For all insured incidents, we will help in appealing or
 agreement to claim.                                                  defending an appeal as long as the insured person tells us
                                                                      within the time limits allowed that they want us to appeal.
 Period of insurance                                                  Before we pay the costs and expenses for appeals, we
 The period for which we have agreed to cover an insured              must agree that it is always more likely than not that the
 person.                                                              appeal will be successful.




40   HH144 Nov 2010
3. We will only pay the legal costs and accountant’s costs         3. Bodily Injury
   charged by a representative appointed by us.                       We will negotiate for the insured person’s legal rights in a
                                                                      claim against a party who causes the death of, or bodily
4. The most we will pay for all claims resulting from one or          injury to, the insured person.
   more event arising at the same time or from the same
   originating cause is £50,000.                                     What is not covered:
                                                                     A claim relating to:
Insured incidents                                                    1. any illness or bodily injury which happens gradually or is
1. Employment disputes                                                  not caused by a specific or sudden accident; or
   We will negotiate for the insured person’s legal rights in a      2. defending an insured person’s legal rights, but
   dispute arising from their contract of employment for their          defending a counter-claim is covered.
   work as an employee.
                                                                   4. Property protection
  What is not covered:                                                We will:
  Costs and expenses for:                                             a) negotiate for the insured person’s legal rights in a civil
  1. disciplinary hearings or internal grievance procedures;             action; and/or
  2. any claim relating solely to personal injury.                    b) arrange mediation;
                                                                         for a dispute relating to material property (including your
2. Contract disputes                                                     principal home) which is owned by the insured person,
   We will negotiate for:                                                or for which the insured person is responsible, following:
   1. an insured person’s legal rights in a contractual dispute          1. an event which causes or could cause physical
      arising from an agreement or alleged agreement which                  damage to such material property, provided that the
      an insured person has entered into for:                               amount in dispute is more than £100; or
      a. the buying or hiring in of any goods or services; or            2. a legal nuisance (meaning any unlawful interference
      b. the selling of any goods;                                          with an insured person’s use or enjoyment of their
   2. your legal rights in a contractual dispute or for                     home, or some right over, or in connection with it); or
      misrepresentation arising from an agreement which you              3. a trespass.
      have entered into for the buying or selling of your
      principal home;                                                What is not covered:
      provided that, in both 1. and 2.                               1. A claim relating to:
      i. the insured person has entered into the agreement              a. a contract entered into by an insured person;
          or alleged agreement during the period of insurance;          b. any building or land other than your principal home;
          and                                                           c. someone legally taking an insured person’s material
      ii. the amount in dispute is more than £100.                         property from them, whether the insured person is
                                                                           offered money or not, or restrictions or controls placed
  What is not covered:                                                     on an insured person’s material property by any
  A claim relating to;                                                     government or public or local authority unless the
  1. a contract regarding an insured person’s trade,                       claim is for accidental physical damage;
     profession, employment or any business venture;                    d. work done by any government or public or local
  2. construction work on any land, or designing, converting               authority unless the claim is for accidental physical
     or extending any building where the contract value                    damage;
     exceeds £5,000 (including VAT);                                    e. a motor vehicle owned or used by, or hired or leased
  3. a contract involving a motor vehicle;                                 to an insured person;
  4. the settlement payable under an insurance policy (we will          f. mining subsidence.
     negotiate if your insurer refuses your claim, but not for a     2. Defending a claim relating to an event that causes or
     dispute over the amount of the claim);                             could cause physical damage to material property, but
  5. a dispute arising from any loan, mortgage, pension,                defending a counter-claim is covered.
     investment or borrowing.
                                                                                                                  HH144 Nov 2010     41
     3. The first £250 of any claim for legal nuisance or trespass.    What is not covered:
        This is payable as soon as we accept the claim.                  1. Parking or obstruction offences.
                                                                         2. The driving of a motor vehicle by an insured person for
 5. Tax protection                                                          which the insured person does not have a valid motor
    We will negotiate for an insured person, and represent                  insurance.
    them in any appeal proceedings, in the event of a full
    enquiry into their personal tax affairs.
                                                                       What is not covered
     What is not covered:                                              1.    A claim reported to us more than 180 days after the
     1. The tax affairs of a company, or any claim if the insured            insured person should have known about the insured
        person is self-employed, a sole trader, or in business               incident.
        partnership.                                                   2.    Any incident or matter arising before the start of this policy.
     2. An investigation by the Special Compliance Office.             3.    Costs and expenses incurred before our written
                                                                             acceptance of a claim.
 6. Jury service                                                       4.    Fines, penalties, compensation or damages which an
    We will pay the insured person’s salary or wages for the                 insured person is ordered to pay by a court or other
    time that the insured person is off work while attending jury            authority.
    service for each half or whole day of their attendance as far      5.    An insured incident intentionally brought about by an
    as the salary or wages is not recoverable from the court or              insured person.
    the insured person’s employer.                                     6.    A legal action an insured person takes which we or the
    The amount we will pay is based on the time the insured                  representative have not agreed to, or where an insured
    person is off work, including the time it takes to travel to and         person does anything that hinders us or the
    from the court. We will work it out to the nearest half day,             representative.
    assuming that a whole day is eight hours.                          7.    A claim relating to an insured person’s alleged
    If the insured person works full time, the salary or wages               dishonesty or alleged violent behaviour.
    for each whole day equals 1/250th of the insured person’s          8.    A claim relating to written or verbal remarks which damage
    yearly salary or wages.                                                  an insured person’s reputation.
    If the insured person works part-time, the salary or wages         9.    A claim relating to lease of land or buildings of less than
    will be a proportion of the insured person’s salary or                   21 years, or a licence or tenancy of land or buildings.
    wages.                                                                   However, we will cover a dispute with a professional
                                                                             adviser in connection with the drafting of a lease, licence
 7. Legal defence                                                            or tenancy agreement.
    1. We will defend an insured person’s legal rights if an           10.   A dispute with us not otherwise dealt with under Condition
       event arising from the insured person’s work as an                    7.
       employee leads to:                                              11.   A claim directly or indirectly caused by or resulting from
       a) the insured person being prosecuted in a court of                  any device failing to recognise, interpret or process any
          criminal jurisdiction; or                                          date as its true calendar date.
       b) civil action being taken against the insured person          12.   Apart from us, the insured person is the only person who
          under:                                                             may enforce all or any part of this section and the rights
          i. legislation for unlawful discrimination; or                     and interests arising from or connected with it. This means
          ii. section 13 of the Data Protection Act 1988.                    that the Contract (Rights of Third Parties) Act 1999 does
    2. We will defend an insured person’s legal rights if an                 not apply to the section in relation to any third party rights
       event leads to their prosecution for an offence connected             or interest.
       with the use or driving of a motor vehicle.                     13.   An application for Judicial Review.
                                                                       14.   A claim caused by, contributed to by or arising from:
                                                                             – ionising radiation or contamination by radioactivity from
                                                                                any nuclear fuel or from any nuclear waste from burning
                                                                                nuclear fuel;
42   HH144 Nov 2010
     – the radioactive, toxic, explosive or other hazardous               c. We may decide to pay the insured person the amount
       properties of any explosive nuclear assembly or nuclear                 of damages that the insured person is claiming, or
       part of it;                                                             which is being claimed against them, instead of starting
     – war, invasion, foreign enemy hostilities (whether war is                or continuing legal proceedings.
       declared or not), civil war, rebellion, revolution, military   4. a. An insured person must tell the representative to
       force or coup;                                                          have costs and expenses taxed, assessed or audited,
     – pressure waves caused by aircraft or any other airborne                 if we ask for this.
       devices travelling at sonic or supersonic speeds.                  b. An insured person must take every step to recover
                                                                               costs and expenses that we have to pay, and must pay
                                                                               us any costs and expenses that are recovered.
Legal protection policy conditions                                    5. If the representative refuses to continue acting for an
1. An insured person must:                                                insured person, or if an insured person dismisses the
   a. keep to the terms and conditions of this policy;                    representative, the cover we provide will end at once,
   b. try to prevent anything happening that may cause a                  unless we agree to appoint another representative.
      claim;                                                          6. If an insured person settles a claim or withdraws it
   c. take reasonable steps to keep any amount we have to                 without our agreement, or does not give suitable
      pay as low as possible;                                             instructions to a representative, the cover we provide will
   d. send everything we ask for, in writing;                             end at once and we will be entitled to reclaim any costs
   e. give us full details in writing of any claim as soon as             and expenses we have paid.
      possible and give us any information we need.                   7. If there is a disagreement about the way we handle a
2. a. We can take over and conduct in the name of an                      claim that is not resolved through our internal complaints
      insured person , any claim or legal proceedings at any              procedure the insured person can contact the Financial
      time. We can negotiate any claim on behalf of an                    Ombudsman Service for help.
      insured person.                                                 8. We may, at our discretion, require the insured person to
   b. An insured person is free to choose a representative                obtain, at their expenses, an opinion from a lawyer,
      (by sending us a suitably qualified person’s name and               accountant or other suitably qualified person chosen by
      address) if:                                                        the insured person and us, as to the merits of a claim or
      i. we agree to start court proceedings and it becomes               proceedings. If the chosen person’s opinion indicates that
          necessary for a lawyer to represent the interests of            it is more likely than not that an insured person will
          an insured person in those proceedings; or                      recover damages (or obtain any other legal remedy that
      ii. there is a conflict of interest.                                we have agreed to) or make a successful defence, we will
   c. In all circumstances except those in 2(b) above, we are             pay the cost of obtaining the opinion.
      free to choose a representative.                                9. We can cancel this policy at any time as long as we tell
   d. Any representative will be appointed by us to                       you at least 14 days beforehand. You can cancel this
      represent an insured person according to our standard               policy at any time as long as you tell us at least 14 days
      terms of appointment. The representative must                       beforehand.
      co-operate fully with us at all times.                          10. We will not pay any claim covered under any other policy,
   e. We will have direct contact with the representative.                or any claim that would have been covered by any other
   f. An insured person must co-operate fully with us and                 policy if this section did not exist.
      the representative and must keep us up to date with             11. This section will be governed by English law.
      the progress of the claim.                                      12. All Acts of Parliament mentioned in the section include
   g. An insured person must give the representative any                  equivalent laws in Scotland, Northern Ireland, the Isle of
      instructions that we require.                                       Man and the Channel Islands as the case may be.
3. a. An insured person must tell us if anyone offers to
      settle a claim.
   b. If an insured person does not accept a reasonable
      offer to settle a claim, we may refuse to pay further
      costs and expenses.
                                                                                                                     HH144 Nov 2010   43
 If you need to make a claim
 There are three ways in which you can make a legal
 protection claim:

 1 Please phone 0845 168 5679. This claims helpline is open
   24 hours a day, 365 days a year. We can send you a claim
   form to help you.

 2 Write to us with full details as soon as possible to the
   following address:

     Claims Department
     DAS Legal Expenses Insurance Company Limited
     DAS House
     Quay Side
     Temple Back
     Bristol
     BS1 6NH.

 3 E-mail full details to NewClaims@das.co.uk

 Once you have sent us the details of your claim and we have
 accepted it, we will start to resolve your legal problem.
 Claims are usually handled by a representative appointed by
 us, but sometimes we deal with them ourselves. Claims
 outside the United Kingdom may be dealt with by other DAS
 offices elsewhere in Europe.



 When we cannot help
 Please do not ask for help from a solicitor or accountant
 before we have agreed. If you do, we will not pay the costs
 involved even if we do accept the claim.




44   HH144 Nov 2010
    Section 4 – Identity theft protection
    This section applies automatically.


For this section, this contract of insurance is between you and     We, us, our
DAS Legal Expenses Insurance Company Limited. All through           DAS Legal Expenses Insurance Company Limited.
this section there are certain words printed in bold. These         Head and Registered Office: DAS House, Quay Side, Temple
words have special meanings that are shown below.                   Back, Bristol, BS1 6NH, England.
                                                                    Registered in England and Wales, number 103274.
Identity theft policy definitions
Attendance expenses                                                 You, your
The insured person’s salary or wages for the time that the          The person or people who have taken out this policy.
insured person is off work while travelling to or from or
attending court to defend or resolve an identity theft case at      What is covered
the request of the appointed representative. We will                We will provide the following cover to an insured person who
calculate the amount to the nearest half day assuming that a        is resident in the territorial limit.
whole day is eight hours.
                                                                    Identity Theft Helpline Service
The amount we will pay is based on the following:                   We will provide an insured person with detailed guidance and
•	 If the insured person works full-time, the salary or wages       advice over the phone in respect of any concerns about being
   for each whole day equals 1/250th of the insured person’s        or becoming a victim of identity theft.
   yearly salary or wages;
•	 If the insured person works part-time, the salary or wages       Identity Theft Support Service
   will be a proportion of the insured person’s weekly salary       Following a call to the Identity theft helpline service, we will
   or wages.                                                        help restore an insured person’s identity and credit status if
                                                                    they have become a victim of identity theft. The identity
Appointed representative                                            theft support service will assign a personal caseworker who
The lawyer, accountant or other suitably qualified person who       will provide telephone advice and a personal action plan to
has been appointed by us to act for an insured person in            help regain the insured person’s identity. The action plan
accordance with the terms of this policy.                           could include information on how to obtain credit reports,
                                                                    which organisations to contact, how to file a police report and
Communication costs                                                 template letters.
The cost of phone calls, faxes or postage (including registered     We will pay communication costs for the insured person in
post), and the cost of replacement documents.                       respect of reporting an identity theft and in communicating
                                                                    with the police, credit agencies, financial service providers,
Identity theft                                                      other creditors, debt collection agencies or legal counsel.
The theft or unauthorised use of an insured person’s
personal identification which has or could result in the unlawful   Legal Expenses
use of their identity.                                              Following an insured person’s identity theft:
                                                                    •	 we will pay legal costs to reinstate the insured person’s
Insured person                                                         identity including costs for the signing of statutory
You, and any member of your family who always lives with               declarations or similar documents;
you. Anyone claiming under this policy must have your               •	 we will negotiate for the insured person’s legal rights in a
agreement to claim.                                                    dispute with debt collectors or any party pursuing legal
                                                                       action against an insured person arising from or relating to
Territorial limit                                                      identity theft;
United Kingdom of Great Britain and Northern Ireland.               •	 we will pay loan rejection fees and any re-application
                                                                       administration fee for a loan when the insured person’s
                                                                       original application has been rejected;
                                                                    •	 we will pay an insured person’s attendance expenses.



                                                                                                                   HH144 Nov 2010      45
 Provided that:                                                     Identity theft policy conditions
 (i) the insured person files a police report and notifies          1 An insured person must:
       banks and building societies as soon as possible; and           a keep to the terms and conditions of this policy;
 (ii) the insured person tells us if they have previously been         b try to prevent anything happening that may cause a
       subjected to identity theft; and                                  claim;
 (iii) the insured person takes all reasonable action to prevent       c take reasonable steps to keep any amount we have to
       continued unauthorised use of their identity.                     pay as low as possible;
                                                                       d send everything we ask for, in writing;
 What is not covered                                                   e give us full details in writing of any claim as soon as
 •	 Attendance expenses in excess of £3,000.                             possible and give us any information we need.
 •	 Fraud committed by another insured person under this
    policy.                                                         2 a We can take over and conduct in the name of an
 •	 Losses arising from an insured person’s business                    insured person, any claim or legal proceedings at any
    activities.                                                         time.
 •	 If the insured person’s identity is used or stolen while          b The insured person is free to choose an appointed
    abroad, the advice available from the Identity theft helpline       representative (by sending us a suitably qualified
    and support services may be limited.                                person’s name and address) if:
 •	 A claim reported to us more than 180 days after the                 (i) We agree to start court proceedings and it becomes
    insured person should have known about the insured                       necessary for a lawyer to represent the interests of
    incident.                                                                an insured person on those proceedings; or
 •	 An incident or matter arising before the start of the policy.       (ii) there is a conflict of interest.
 •	 Costs and expenses incurred before our written                    c In all circumstances except those in 2 (b) above, we are
    acceptance of a claim.                                              free to choose an appointed representative.
 •	 Fines, penalties, compensation or damages which an                d Any appointed representative will be appointed by us
    insured person is ordered to pay by a court or other                to represent an insured person according to our
    authority.                                                          standard terms of appointment. The appointed
 •	 An insured incident intentionally brought about by an               representative must co-operate fully with us at all times.
    insured person.                                                   e We will have direct contact with the appointed
 •	 A legal action an insured person takes which we or the              representative.
    appointed representative have not agreed to, or where an          f An insured person must co-operate fully with us and
    insured person does anything that hinders us or the                 the appointed representative and must keep us up to
    appointed representative.                                           date with the progress of the claim.
 •	 A claim relating to an insured person’s alleged dishonesty        g An insured person must give the appointed
    or alleged violent behaviour.                                       representative any instructions that we require.
 •	 A claim relating to written or verbal remarks which damage
    an insured person’s reputation.                                 3 a An insured person must tell us if anyone offers to settle
 •	 A dispute with us not otherwise dealt with under condition          a claim.
    7.                                                                b If an insured person does not accept a reasonable offer
 •	 Apart from us, the insured person is the only person who            to settle a claim, we may refuse to pay further costs and
    may enforce all or any part of this policy and the rights and       expenses.
    interests arising from or connected to it. This means that        c We may decide to pay the insured person the amount
    the Contracts (Rights of Third Parties) Act 1999 does not           of damages that the insured person is claiming, or
    apply to the policy in relation to any third party rights or        which is being claimed against them, instead of starting
    interest.                                                           or continuing legal proceedings.




46   HH144 Nov 2010
4 a An insured person must tell the appointed                     If you need to make a claim
    representative to have costs and expenses taxed,              If you make a claim for Identity theft protection you may be
    assessed or audited, if we ask for this                       required to provide documented evidence such as requests
  b An insured person must take every step to recover             from providers of finance or credit for the repayment of debt,
    costs and expenses that we have to pay, and must pay          receipts for expenses you have incurred, invoices for loan
    us any costs and expenses that are recovered.                 rejection fees and proof of earnings.
                                                                  Identity theft helpline service number- 0845 168 5683.
5 If the appointed representative refuses to continue acting      This claims helpline is open 24 hours a day, 365 days a year.
  for an insured person or if an insured person dismisses
  the appointed representative, the cover we provide will
  end at once, unless we agree to appoint another
  appointed representative.

6 If an insured person settles a claim or withdraws it without
  our agreement, or does not give suitable instructions to an
  appointed representative, the cover we provide will end at
  once and we will be entitled to reclaim any costs and
  expenses we have paid.

7 If there is a disagreement about the way we handle a claim
  that is not resolved through our internal complaints
  procedure the insured person can contact the Financial
  Ombudsman Service for help.

8 We may, at our discretion, require the insured person to
  obtain, at your expense, an opinion from a lawyer,
  accountant or other suitably qualified person chosen by the
  insured person and us, as to the merits of a claim or
  proceedings. If the chosen person’s opinion indicates that it
  is more likely than not that the insured person will recover
  damages (or obtain any other legal remedy that we have
  agreed to) or make a successful defence, we will pay the
  cost of obtaining the opinion.

9 We will not pay any claim covered under any other policy, or
  any claim that would have been covered by any other policy
  if this section did not exist.




                                                                                                                 HH144 Nov 2010    47
     Section 5 – Home Assistance
     This section applies automatically.


 For this section, this contract of insurance is between you and   You, your
 DAS Legal Expenses Insurance Company Limited. All through         The person or people who have taken out this policy.
 this section there are certain words printed in bold. These
 words have special meanings that are shown below.                 What is covered
                                                                   • Your policy only covers you if you have paid your
 Home Assistance policy definitions                                  premium. We agree to provide the insurance in this section,
 Home                                                                keeping to the terms, conditions and exclusions as long as
 Your principal home (having no more than 15 rooms) situated         the home emergency happens during the period of
 within the United Kingdom of Great Britain and Northern             cover.
 Ireland, the Isle of Man and the Channel Islands.                 • If the service you need is not provided under these terms,
                                                                     we will try (if you wish) to arrange it at your expense. The
 Home emergency                                                      terms of such service are a matter for you and your
 An sudden unforeseen event which requires immediate                 supplier.
 corrective action to:                                             • We will pay up to £500 (including VAT) for:
 a prevent damage or further damage to your home; or                 – the call out charge and up to 2 hours’ labour costs; and
 b to make your home safe or secure; or                              – parts and materials subject to a maximum of £100
 c alleviate unreasonable discomfort, risk or difficulty to any          including VAT;
    insured person.                                                  in providing assistance for a home emergency which
                                                                     arises from an insured incident.
 Insured person
 You and any person who lives in or is staying at your home.       Insured incidents
                                                                   Plumbing and drainage
 Main heating system                                               The sudden damage to, or blockage, breakage or flooding of,
 The main hot water or central heating system in your home.        the drains or plumbing system in your home.
 This includes pipes which connect components of the system,
 but not cold water supply or drainage pipes. This does not        Main heating system
 include any non-domestic heating or hot water systems or any      The sudden failure to function of the main heating system in
 form of solar heating.                                            your home.

 Period of cover                                                   Domestic power supply
 The period for which we have agreed to cover you.                 The failure of the domestic electricity, or domestic gas supply,
                                                                   but not the failure of the mains supply.
 Plumbing and drainage
 The cold water supply and drainage system within the              Toilet unit
 boundary of your home and for which you are legally               Impact damage to, or mechanical failure of, the toilet bowl or
 responsible. This does not include pipes:                         cistern in your home which results in complete loss of
 • which connect components of the heating system; or              function.
 • for which your water supply or sewerage company are
    responsible.                                                   Home security
                                                                   Damage to, or the failure of, external doors ,windows or locks
 We, us, our                                                       which compromises the security of your home.
 DAS Legal Expenses Insurance Company Limited.
 Head and Registered Office: DAS House, Quay Side, Temple          Lost keys
 Back, Bristol, BS1 6NH, England.                                  The loss of the only available set of keys to your home if you
 Registered in England and Wales, number 103274.                   cannot replace them, or gain normal access.




48   HH144 Nov 2010
Removal of nests                                                      12 The malfunction or blockage of septic tanks, cess pits or
The sudden infestation by wasps in your home which prevents              fuel tanks.
the use of the loft or one or more rooms in the property.
                                                                      13 Damage incurred in gaining necessary access to, or in
What is not covered                                                      reinstating the fabric of, your home.
1 Any claim following an insured incident which happens
   during the first 48 hours from the start of your period of         14 Any claims arising out of subsidence, landslip or heave.
   cover if you take out this policy at a different time from
   any other related agreement.                                       15 Any properties that you own that are not your main
                                                                         residence or that you rent or let.
2   Any incident or matter arising before the start of this
    policy.                                                           16 Damage to boundary walls, gates, hedges or fences and
                                                                         any damage to garages or outbuildings.
3   Any normal day-to-day home maintenance which an
    insured person should carry out or pay for (such as               17 Any claim relating to an insured person’s failure to
    servicing of heating and hot water systems) and the                  purchase or provide sufficient gas, electricity or other fuel
    replacement of parts that tend to gradually wear out cover           source.
    a period of time or need regular attention.
                                                                      18 Any costs incurred where our approved contractor has
4   The cost of redecorating, or cosmetic repairs to parts or            attended but your home was unoccupied.
    equipment in your home.
                                                                      19 Home emergencies caused by, contributed to by or
5   Any claim where your home has been left unoccupied for               arising from:
    30 consecutive days.                                                 – ionising radiation or contamination by radioactivity from
                                                                            any nuclear fuel or from any nuclear waste from
6   Any claim arising from an insured person’s failure to                   burning nuclear fuel;
    comply with our instructions in respect of the assistance            – the radioactive, toxic, explosive or other hazardous
    being provided.                                                         properties of any explosive nuclear assembly or
                                                                            nuclear part of it;
7   Any costs incurred before an insured person has notified             – war, invasion, foreign enemy hostilities (whether war is
    us of a home emergency.                                                 declared or not), civil war, rebellion, revolution, military
                                                                            force or coup;
8   Claims arising from any wilful or negligent act or omission          – pressure waves caused by aircraft or any other
    by an insured person.                                                   airbourne devices travelling at sonic or supersonic
                                                                            speeds;
9   Any claim relating to the interruption, failure or                   – pollution or contamination of any kind.
    disconnection of the mains electricity, mains gas or mains
    water supply.                                                     20 Apart from us, the insured person is the only person who
                                                                         may enforce all or any part of this policy and the rights
10 Any claim relating to the failure of equipment or facilities          and interests arising from or connected with it. This means
   which is a result of them being incorrectly installed,                that the Contract (Rights of Third Parties) Act 1999 does
   repaired or modified, or which is caused by a design fault            not apply to the policy in relation to any third party rights
   which makes them inadequate or unfit for use.                         or interest.

11 Claims for parts or labour if the equipment or facility is still
   under guarantee or warranty from the manufacturer,
   supplier or installer.


                                                                                                                      HH144 Nov 2010     49
 Home Assistance policy conditions                                 If you need to make a claim
 1 Claims must be reported to us as soon as possible and           Please phone 0845 168 5684. This claims helpline is open 24
    no later than 48 hours after you first become aware of the     hours a day, 365 days a year.
    home emergency.
 2 An insured person must:                                         When phoning, please check that the circumstances are
    a keep to the terms and conditions of this policy;             covered by this policy and have the following information
    b maintain the home and all domestic equipment in good         available:
      condition, and carry out or arrange regular inspections      • your name and the home address including postcode;
      and preventative maintenance to the fabric and               • the nature of the home emergency.
      structure of the home;                                       Once you have given us details of your claim and we have
    c try to prevent anything happening that may cause a           accepted it, we will arrange for one of our approved
      claim;                                                       contractors to assist you as quickly as possible.
    d take reasonable steps to keep any amount we have to          It is important that you contact our assistance operation
      pay as low as possible.                                      centre as soon as possible after the home emergency and
                                                                   within 48 hours of becoming aware of the problem.
 3    We can cancel this policy at any time as long as we tell     Please note that remote locations and unforeseeable adverse
      you at least 14 days beforehand.                             weather conditions may affect normal standards of service.
      You can cancel this policy at any time as long as you tell   All telephone calls to us are monitored and recorded as part
      us at least 14 days beforehand.                              of our training and quality assurance programmes. By using
                                                                   this service you are agreeing to us recording your call.
 4    We will make every effort to provide the service at all
      times, but we will not be responsible for any liability      When we cannot help
      arising from a breakdown of the service for reasons we       We cannot help in any major emergency which could result in
      cannot control.                                              serious risk to you or substantial damage to your home. In
                                                                   this situation, you should immediately contact the emergency
 5    We will not be responsible for any consequential loss in     services and any company that supplied the service.
      connection with the home emergency, however it is            We will not pay any claim unless we have given our
      caused.                                                      agreement, or if there is no one at home when our approved
                                                                   contractor arrives.
 6    We will not pay any claim covered under any other policy,
      or any claim that would have been covered by any other
      policy if this section did not exist.

 7.   This section will be governed by English law.




50    HH144 Nov 2010
    Data Protection Notice
Please read this notice carefully as it contains important        Sharing information to prevent fraud
information about our use of your personal information. In        We may share your personal information with operators of
this notice, we and us and our means the Ageas Group              registers used by the insurance industry to check information
which includes Ageas Insurance Limited and any holding            that is given to us and prevent fraudulent claims. These
companies, subsidiaries and other linked companies. Your          include the Claims and Underwriting Exchange register, run
personal information means any information we hold about          by Insurance Database Services Limited. We may pass
you or anyone else in connection with any product or service      information relating to your insurance policy and any
we are providing to you.                                          incident (such as an accident or theft), to these registers.

By taking out this insurance policy, you confirm that we may      Dealing with others on your behalf
use your personal information for the purposes explained          To help you manage your insurance policy, subject to passing
below. You should show this notice to anyone else whose           security questions, we will deal with you or your husband,
name you give to us in connection with your insurance policy      wife or partner or any other person whom we reasonably
as it will also apply to them.                                    believe to be acting for you if they call us on your behalf in
                                                                  connection with your policy.
How we use your personal information
We will use your personal information to manage your              Sensitive information
insurance policy, including handling underwriting and claims      Some of the personal information that we ask you to provide
and issuing renewal documents and providing renewal               is known as sensitive personal data. This will include
information to your insurance adviser.                            information relating to your health, race, religion and any
                                                                  criminal convictions that you have. We will only use sensitive
We may also use your personal information and information         personal data about you to manage your policy and to
about your use of our products and services to carry out          provide the services described in your policy documents.
research and analysis.
                                                                  Monitoring and recording calls
We may have to share your personal information with other         We may record or monitor telephone calls for training
insurers, regulatory authorities or agents providing services     purposes, to improve the quality of our service and to prevent
on our behalf.                                                    and detect fraud. We may also use CCTV recording
                                                                  equipment in and around our premises.
We will only release your personal information to others if:
•	 we need to do this to manage your policy with us;              Further information
•	 you have given permission to receive promotional material;     You are entitled to receive a copy of the information we hold
•	 we need to prevent fraud ;                                     about you. Please contact our Data Protection Officer, giving
•	 we are required or permitted to do this by law (for example,   your name, address and insurance policy number. We are
   if we receive a legitimate request from the police or          entitled to charge you a small administrative fee for this.
   another authority); or
•	 there are any other circumstances where you have given
   your permission.

If we change the way that we use your personal information,
we will write to you to let you know. If you do not agree to
that change in use, you must let us know as soon as
possible.




                                                                                                                HH144 Nov 2010     51
     What to do if you have a complaint
 If you have experienced a problem or are unhappy with any         Step 2
 part of our service we will sort this out as quickly and fairly   If this matter has still not been sorted out, you can write to
 as possible.                                                      Mark Cliff, Managing Director at the same address, unless
                                                                   your complaint relates to Legal Expenses Insurance, in
 What you should do first                                          which case please contact DAS Chief Executive Officer at
 • If your complaint is about the way your policy was sold to      DAS House, Quayside, Temple Back, Bristol, BS1 6NH.
   you, contact your insurance adviser to report your
   complaint.                                                      Step 3
 • If you have a complaint about a claim, call your claims         If you are not satisfied with our final decision, you can
   handler first. You will find the claims handler’s name and      write to:
   phone number on any letters they have sent you.                 Financial Ombudsman Service
                                                                   South Quay Plaza
 If your problem has still not been sorted out                     183 Marsh Wall
 Step 1                                                            London
 Contact our Customer Services Adviser who will make sure          E14 9SR.
 that your complaint is dealt with at a senior level. You can
 write to us at the address below or e-mail us through our         Using this complaints procedure will not affect your legal
 website at www.ageas.co.uk (please include your policy            rights.
 number and claim number if appropriate).
 Customer Service Adviser                                          Service standards
 Ageas Insurance Limited                                           We will reply to any letter you send us within two working
 Ageas House                                                       days of receiving it. In our letter we will tell you who will be
 Tollgate                                                          dealing with your complaint and when you should expect
 Eastleigh                                                         a reply.
 Hampshire
 SO53 3YA

 If your complaint is concerning DAS Legal Expenses
 Insurance Company Limited, please contact them direct:
 Customer Relations Department
 DAS Legal Expenses Insurance Company Limited
 DAS House
 Quay Side
 Temple Back
 Bristol
 BS1 6NH
 Telephone: 0117 934 0066
 Fax: 0117 934 2095
 e-mail: customerrelations@das.co.uk




52   HH144 Nov 2010
    Financial Services Compensation Scheme
We are covered by the Financial Services compensation
Scheme (FSCS). If we cannot meet our obligations you may
be entitled to compensation under the scheme. For this type
of policy, the scheme covers at least 90% of any claim with
no upper limit. For further information see www.fscs.org.uk
or telephone 020 7892 7300.




                                                              HH144 Nov 2010   53
     Notes




54   HH144 Nov 2010
HH144 Nov 2010   55
      Ageas Insurance Limited

      Office address
      Ageas House, The Square,
      Gloucester Business Park, Brockworth,
      Gloucester GL3 4AD

      Registered address
      Ageas House, Tollgate, Eastleigh
      Hampshire SO53 3YA

      Email: talkback@ageas.co.uk
      Website: www.ageas.co.uk

      Registered number 354568

      Ageas Insurance Limited is authorised
      and regulated by the Financial Services
      Authority




56   HH144 Nov 2010

				
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