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TENANTS CONTENTS INSURANCE MADE SIMPLE

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  • pg 1
									                 TENANTS CONTENTS INSURANCE
                        MADE SIMPLE
     Use this form if you are • under 60 AND
                              • not in sheltered or supported accommodation




                                                                   in association with




      Riverside has arranged an                         Easy to apply – complete the
      optional low-cost Home                            enclosed form OR just phone us
                                                        instead on 08456 718 172.
      Contents Insurance scheme
      exclusively for the use of                        Exceptionally low premiums.
      Riverside tenants, shared                         Easy payments weekly, fortnightly,
      owners and leaseholders. Cover                    monthly or annually.
      is provided and administered by                   No additional home security required.
      RSA –                                             New for Old cover apart from clothing
      to join the scheme, just follow                   & linen.
      the instructions in this                          Claims can be notified by phone and
      prospectus and RSA will issue                     there is no excess for you to pay if you
      you with your policy, subject to                  do claim.
      acceptance criteria.                              Optional extra available for accidental
                                                        damage cover on all your contents.
      The Riverside Group Ltd is a charitable
      Industrial and Provident Society.                 Optional extra available to cover
                                                        personal belongings, wheelchairs &
                                                        hearing aids outside your home.

 Return your application form to RSA, Direct Group Property Services, 4 Sidings Court,
                    Doncaster, DN4 5NU Telephone 08456 718 172

ROYAL & SUN ALLIANCE INSURANCE PLC, ST. MARK’ S COURT, CHART WAY, HORSHAM, WEST SUSSEX RH12 1XL
Table to help you calculate your
sum insured
                                            Replacement Cost
Lounge
   Carpets and floor coverings
   Curtains and fittings
   Furniture
   General items (eg. ornaments)
   TV, video, audio and visual equipment
   Valuables

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

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

Dining Room
   Carpets and floor coverings
   Curtains and fittings
   Furniture
   Valuables

Bathroom
   Carpets and floor coverings
   Curtains and fittings
   Fixtures and fittings
   Linen and bedding

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

Other rooms
   Toys and baby equipment
   Domestic tools
   General items


                    Total sum insured
    Cost of Cover
                                    STANDARD COVER
    Area 1 Tenants,                  The table below refers to the following postcodes:
    Leaseholders and                 B      BB     BS      CF       CH       CT     CV    DD     E
    Shared Owners                    EC     FK     G       HD       HX       IG     IV    KA     L
                                     LA     LL     LN      ME       N        NE     NG    NP     NW
    aged under 60                    PE     PR     S       SE       SK       SR     SS    SW     TA
    who are not in                   TS     UB     W       WA       WC       WF     WN    WV
    sheltered or
    supported                         Sum      Weekly     Fortnightly   Monthly                Annual
    accommodation.                  Insured Payment Card Payment Card Direct Debit
                                     £9,000     £1.40        £2.48        £4.62                 £54.46
    Find your postcode, then        £10,000     £1.55        £2.75        £5.13                 £60.51
    look in the table below         £11,000     £1.71        £3.03        £5.64                 £66.56
    that to find your               £12,000     £1.86        £3.30        £6.16                 £72.61
    premium (Minimum sum            £13,000     £2.02        £3.58        £6.67                 £78.66
    insured £9,000)                 £14,000     £2.17        £3.85        £7.18                 £84.71
                                    £15,000     £2.33        £4.13        £7.70                 £90.77
                                    £16,000     £2.48        £4.40        £8.21                 £96.82
                                    £17,000     £2.64        £4.68        £8.72                £102.87
                                    £18,000     £2.79        £4.95        £9.23                £108.92
                                    £19,000     £2.95        £5.23        £9.75                £114.97
                                    £20,000     £3.10        £5.50       £10.26                £121.02
    • There is No Excess.
                                    £21,000     £3.26        £5.78       £10.77                £127.07
    • All premiums include          £22,000     £3.41        £6.05       £11.29                £133.12
      Insurance Premium Tax at      £23,000     £3.57        £6.33       £11.80                £139.17
      the current rate.             £24,000     £3.72        £6.60       £12.31                £145.22
    • The “ Standard Cover”         £25,000     £3.88        £6.88       £12.83                £151.28
      premiums include
      accidental damage cover
                                    £26,000     £4.03        £7.15       £13.34                £157.33
      for mirrors, fixed glass in   £27,000     £4.19        £7.43       £13.85                £163.38
      furniture, TVs, DVD and       £28,000     £4.34        £7.70       £14.36                £169.43
      video players & recorders     £29,000     £4.50        £7.98       £14.88                £175.48
      and Hi-Fi equipment. If       £30,000     £4.65        £8.25       £15.39                £181.53
      you want to cover
      accidental damage to
                                    £31,000     £4.81        £8.53       £15.90                £187.58
      other home contents as        £32,000     £4.96        £8.80       £16.42                £193.63
      well, use the premium         £33,000     £5.12        £9.08       £16.93                £199.68
      tables for “Standard Cover    £34,000     £5.27        £9.35       £17.44                £205.73
      incl Accidental Damage”       £35,000     £5.43        £9.63       £17.96                £211.79
      instead of the “ Standard
      Cover” tables.
                                    £36,000     £5.58        £9.90       £18.47                £217.84
    • If you want to pay extra      £37,000     £5.74       £10.18       £18.98                £223.89
      premium to cover              £38,000     £5.89       £10.45       £19.49                £229.94
      personal belongings,          £39,000     £6.05       £10.73       £20.01                £235.99
      wheelchairs and hearing       £40,000     £6.20       £11.00       £20.52                £242.04
      aids outside your home,
      you can do so. See the
      premiums under
      “Optional Extensions to
4     Cover” .
                                STANDARD COVER incl ACCIDENTAL DAMAGE
Area 1 Tenants,                  The table below refers to the following postcodes:
Leaseholders and                 B      BB     BS      CF       CH       CT     CV    DD     E
Shared Owners                    EC     FK     G       HD       HX       IG     IV    KA     L
                                 LA     LL     LN      ME       N        NE     NG    NP     NW
aged under 60                    PE     PR     S       SE       SK       SR     SS    SW     TA
who are not in                   TS     UB     W       WA       WC       WF     WN    WV
sheltered or
supported                          Sum      Weekly     Fortnightly   Monthly               Annual
accommodation.                   Insured Payment Card Payment Card Direct Debit
                                  £9,000     £1.76        £3.25        £6.35                £74.83
Find your postcode, then         £10,000     £1.96        £3.61        £7.05                £83.14
look in the table below          £11,000     £2.16        £3.97        £7.76                £91.45
that to find your                £12,000     £2.35        £4.33        £8.46                £99.77
premium (Minimum sum             £13,000     £2.55        £4.69        £9.17               £108.08
insured £9,000)                  £14,000     £2.74        £5.05        £9.87               £116.40
                                 £15,000     £2.94        £5.42       £10.58               £124.71
                                 £16,000     £3.14        £5.78       £11.28               £133.02
                                 £17,000     £3.33        £6.14       £11.99               £141.34
                                 £18,000     £3.53        £6.50       £12.69               £149.65
                                 £19,000     £3.72        £6.86       £13.40               £157.97
                                 £20,000     £3.92        £7.22       £14.10               £166.28
• There is No Excess.
                                 £21,000     £4.12        £7.58       £14.81               £174.59
• All premiums include           £22,000     £4.31        £7.94       £15.51               £182.91
  Insurance Premium Tax at       £23,000     £4.51        £8.30       £16.22               £191.22
  the current rate.              £24,000     £4.70        £8.66       £16.92               £199.54
• The “Standard Cover”           £25,000     £4.90        £9.03       £17.63               £207.85
  premiums include
  accidental damage cover
                                 £26,000     £5.10        £9.39       £18.33               £216.16
  for mirrors, fixed glass in    £27,000     £5.29        £9.75       £19.04               £224.48
  furniture, TVs, DVD and        £28,000     £5.49       £10.11       £19.74               £232.79
  video players & recorders      £29,000     £5.68       £10.47       £20.45               £241.11
  and Hi-Fi equipment. If        £30,000     £5.88       £10.83       £21.15               £249.42
  you want to cover
  accidental damage to
                                 £31,000     £6.08       £11.19       £21.86               £257.73
  other home contents as         £32,000     £6.27       £11.55       £22.56               £266.05
  well, use the premium          £33,000     £6.47       £11.91       £23.27               £274.36
  tables for “Standard Cover     £34,000     £6.66       £12.27       £23.97               £282.68
  incl Accidental Damage”        £35,000     £6.86       £12.64       £24.68               £290.99
  instead of the “ Standard
  Cover” tables.
                                 £36,000     £7.06       £13.00       £25.38               £299.30
• If you want to pay extra       £37,000     £7.25       £13.36       £26.09               £307.62
  premium to cover               £38,000     £7.45       £13.72       £26.79               £315.93
  personal belongings,           £39,000     £7.64       £14.08       £27.50               £324.25
  wheelchairs and hearing        £40,000     £7.84       £14.44       £28.20               £332.56
  aids outside your home,
  you can do so. See the
  premiums under
  “ Optional Extensions to
  Cover” .                                                                                           5
    Cost of Cover
                                    STANDARD COVER
    Area 2 Tenants,                  The table below refers to the following postcodes:
                                     BD     BL     DN      FY       HU       LS     M     OL
    Leaseholders and
    Shared Owners
    aged under 60
    who are not in
    sheltered or
    supported                         Sum      Weekly     Fortnightly   Monthly                Annual
    accommodation.                  Insured Payment Card Payment Card Direct Debit
                                     £9,000     £1.81        £3.34        £6.53                 £77.03
    Find your postcode, then        £10,000     £2.01        £3.71        £7.25                 £85.59
    look in the table below         £11,000     £2.21        £4.08        £7.98                 £94.15
    that to find your               £12,000     £2.41        £4.45        £8.70                £102.71
    premium (Minimum sum            £13,000     £2.61        £4.82        £9.43                £111.27
    insured £9,000)                 £14,000     £2.81        £5.19       £10.15                £119.83
                                    £15,000     £3.02        £5.57       £10.88                £128.39
                                    £16,000     £3.22        £5.94       £11.60                £136.94
                                    £17,000     £3.42        £6.31       £12.33                £145.50
                                    £18,000     £3.62        £6.68       £13.05                £154.06
                                    £19,000     £3.82        £7.05       £13.78                £162.62
                                    £20,000     £4.02        £7.42       £14.50                £171.18
    • There is No Excess.
                                    £21,000     £4.22        £7.79       £15.23                £179.74
    • All premiums include          £22,000     £4.42        £8.16       £15.95                £188.30
      Insurance Premium Tax at      £23,000     £4.62        £8.53       £16.68                £196.86
      the current rate.             £24,000     £4.82        £8.90       £17.40                £205.42
    • The “ Standard Cover”         £25,000     £5.03        £9.28       £18.13                £213.98
      premiums include
      accidental damage cover
                                    £26,000     £5.23        £9.65       £18.85                £222.53
      for mirrors, fixed glass in   £27,000     £5.43       £10.02       £19.58                £231.09
      furniture, TVs, DVD and       £28,000     £5.63       £10.39       £20.30                £239.65
      video players & recorders     £29,000     £5.83       £10.76       £21.03                £248.21
      and Hi-Fi equipment. If       £30,000     £6.03       £11.13       £21.75                £256.77
      you want to cover
      accidental damage to
                                    £31,000     £6.23       £11.50       £22.48                £265.33
      other home contents as        £32,000     £6.43       £11.87       £23.20                £273.89
      well, use the premium         £33,000     £6.63       £12.24       £23.93                £282.45
      tables for “Standard Cover    £34,000     £6.83       £12.61       £24.65                £291.01
      incl Accidental Damage”       £35,000     £7.04       £12.99       £25.38                £299.57
      instead of the “ Standard
      Cover” tables.
                                    £36,000     £7.24       £13.36       £26.10                £308.12
    • If you want to pay extra      £37,000     £7.44       £13.73       £26.83                £316.68
      premium to cover              £38,000     £7.64       £14.10       £27.55                £325.24
      personal belongings,          £39,000     £7.84       £14.47       £28.28                £333.80
      wheelchairs and hearing       £40,000     £8.04       £14.84       £29.00                £342.36
      aids outside your home,
      you can do so. See the
      premiums under
      “Optional Extensions to
6     Cover” .
                                STANDARD COVER incl ACCIDENTAL DAMAGE
Area 2 Tenants,                  The table below refers to the following postcodes:
                                 BD     BL     DN      FY       HU       LS     M     OL
Leaseholders and
Shared Owners
aged under 60
who are not in
sheltered or
supported                          Sum      Weekly     Fortnightly   Monthly               Annual
accommodation.                   Insured Payment Card Payment Card Direct Debit
                                  £9,000     £2.21        £4.19        £8.43                £99.50
Find your postcode, then         £10,000     £2.46        £4.65        £9.37               £110.55
look in the table below          £11,000     £2.71        £5.12       £10.31               £121.61
that to find your                £12,000     £2.95        £5.58       £11.24               £132.66
premium (Minimum sum             £13,000     £3.20        £6.05       £12.18               £143.72
insured £9,000)                  £14,000     £3.44        £6.51       £13.12               £154.77
                                 £15,000     £3.69        £6.98       £14.06               £165.83
                                 £16,000     £3.94        £7.44       £14.99               £176.88
                                 £17,000     £4.18        £7.91       £15.93               £187.94
                                 £18,000     £4.43        £8.37       £16.87               £198.99
                                 £19,000     £4.67        £8.84       £17.80               £210.05
                                 £20,000     £4.92        £9.30       £18.74               £221.10
• There is No Excess.
                                 £21,000     £5.17        £9.77       £19.68               £232.16
• All premiums include           £22,000     £5.41       £10.23       £20.61               £243.21
  Insurance Premium Tax at       £23,000     £5.66       £10.70       £21.55               £254.27
  the current rate.              £24,000     £5.90       £11.16       £22.49               £265.32
• The “Standard Cover”           £25,000     £6.15       £11.63       £23.43               £276.38
  premiums include
  accidental damage cover
                                 £26,000     £6.40       £12.09       £24.36               £287.43
  for mirrors, fixed glass in    £27,000     £6.64       £12.56       £25.30               £298.49
  furniture, TVs, DVD and        £28,000     £6.89       £13.02       £26.24               £309.54
  video players & recorders      £29,000     £7.13       £13.49       £27.17               £320.60
  and Hi-Fi equipment. If        £30,000     £7.38       £13.95       £28.11               £331.65
  you want to cover
  accidental damage to
                                 £31,000     £7.63       £14.42       £29.05               £342.71
  other home contents as         £32,000     £7.87       £14.88       £29.98               £353.76
  well, use the premium          £33,000     £8.12       £15.35       £30.92               £364.82
  tables for “Standard Cover     £34,000     £8.36       £15.81       £31.86               £375.87
  incl Accidental Damage”        £35,000     £8.61       £16.28       £32.80               £386.93
  instead of the “ Standard
  Cover” tables.
                                 £36,000     £8.86       £16.74       £33.73               £397.98
• If you want to pay extra       £37,000     £9.10       £17.21       £34.67               £409.04
  premium to cover               £38,000     £9.35       £17.67       £35.61               £420.09
  personal belongings,           £39,000     £9.59       £18.14       £36.54               £431.15
  wheelchairs and hearing        £40,000     £9.84       £18.60       £37.48               £442.20
  aids outside your home,
  you can do so. See the
  premiums under
  “ Optional Extensions to
  Cover” .                                                                                           7
    Cost of Cover
                                    STANDARD COVER
    Area 3 Tenants,                  The table below refers to all other postcodes.
    Leaseholders and
    Shared Owners
    aged under 60
    who are not in
    sheltered or
    supported                         Sum      Weekly     Fortnightly   Monthly       Annual
    accommodation.                  Insured Payment Card Payment Card Direct Debit
                                     £9,000     £1.18        £2.04        £3.66        £43.23
    Find your postcode, then        £10,000     £1.31        £2.27        £4.07        £48.03
    look in the table below         £11,000     £1.44        £2.50        £4.48        £52.83
    that to find your               £12,000     £1.57        £2.72        £4.88        £57.64
    premium (Minimum sum            £13,000     £1.70        £2.95        £5.29        £62.44
    insured £9,000)                 £14,000     £1.83        £3.18        £5.70        £67.24
                                    £15,000     £1.97        £3.41        £6.11        £72.05
                                    £16,000     £2.10        £3.63        £6.51        £76.85
                                    £17,000     £2.23        £3.86        £6.92        £81.65
                                    £18,000     £2.36        £4.09        £7.33        £86.45
                                    £19,000     £2.49        £4.31        £7.73        £91.26
                                    £20,000     £2.62        £4.54        £8.14        £96.06
    • There is No Excess.
                                    £21,000     £2.75        £4.77        £8.55       £100.86
    • All premiums include          £22,000     £2.88        £4.99        £8.95       £105.67
      Insurance Premium Tax at      £23,000     £3.01        £5.22        £9.36       £110.47
      the current rate.             £24,000     £3.14        £5.45        £9.77       £115.27
    • The “ Standard Cover”         £25,000     £3.28        £5.68       £10.18       £120.08
      premiums include
      accidental damage cover
                                    £26,000     £3.41        £5.90       £10.58       £124.88
      for mirrors, fixed glass in   £27,000     £3.54        £6.13       £10.99       £129.68
      furniture, TVs, DVD and       £28,000     £3.67        £6.36       £11.40       £134.48
      video players & recorders     £29,000     £3.80        £6.58       £11.80       £139.29
      and Hi-Fi equipment. If       £30,000     £3.93        £6.81       £12.21       £144.09
      you want to cover
      accidental damage to
                                    £31,000     £4.06        £7.04       £12.62       £148.89
      other home contents as        £32,000     £4.19        £7.26       £13.02       £153.70
      well, use the premium         £33,000     £4.32        £7.49       £13.43       £158.50
      tables for “Standard Cover    £34,000     £4.45        £7.72       £13.84       £163.30
      incl Accidental Damage”       £35,000     £4.59        £7.95       £14.25       £168.11
      instead of the “ Standard
      Cover” tables.
                                    £36,000     £4.72        £8.17       £14.65       £172.91
    • If you want to pay extra      £37,000     £4.85        £8.40       £15.06       £177.71
      premium to cover              £38,000     £4.98        £8.63       £15.47       £182.51
      personal belongings,          £39,000     £5.11        £8.85       £15.87       £187.32
      wheelchairs and hearing       £40,000     £5.24        £9.08       £16.28       £192.12
      aids outside your home,
      you can do so. See the
      premiums under
      “Optional Extensions to
8     Cover” .
                                STANDARD COVER incl ACCIDENTAL DAMAGE
Area 3 Tenants,                  The table below refers to all other postcodes.
Leaseholders and
Shared Owners
aged under 60
who are not in
sheltered or
supported                          Sum      Weekly     Fortnightly   Monthly      Annual
accomodation.                    Insured Payment Card Payment Card Direct Debit
                                  £9,000     £1.53        £2.75        £5.25       £61.87
Find your postcode, then         £10,000     £1.70        £3.06        £5.83       £68.74
look in the table below          £11,000     £1.87        £3.37        £6.41       £75.61
that to find your                £12,000     £2.04        £3.67        £7.00       £82.49
premium (Minimum sum             £13,000     £2.21        £3.98        £7.58       £89.36
insured £9,000)                  £14,000     £2.38        £4.28        £8.16       £96.24
                                 £15,000     £2.55        £4.59        £8.75      £103.11
                                 £16,000     £2.72        £4.90        £9.33      £109.98
                                 £17,000     £2.89        £5.20        £9.91      £116.86
                                 £18,000     £3.06        £5.51       £10.49      £123.73
                                 £19,000     £3.23        £5.81       £11.08      £130.61
                                 £20,000     £3.40        £6.12       £11.66      £137.48
• There is No Excess.
                                 £21,000     £3.57        £6.43       £12.24      £144.35
• All premiums include           £22,000     £3.74        £6.73       £12.83      £151.23
  Insurance Premium Tax at       £23,000     £3.91        £7.04       £13.41      £158.10
  the current rate.              £24,000     £4.08        £7.34       £13.99      £164.98
• The “Standard Cover”           £25,000     £4.25        £7.65       £14.58      £171.85
  premiums include
  accidental damage cover
                                 £26,000     £4.42        £7.96       £15.16      £178.72
  for mirrors, fixed glass in    £27,000     £4.59        £8.26       £15.74      £185.60
  furniture, TVs, DVD and        £28,000     £4.76        £8.57       £16.32      £192.47
  video players & recorders      £29,000     £4.93        £8.87       £16.91      £199.35
  and Hi-Fi equipment. If        £30,000     £5.10        £9.18       £17.49      £206.22
  you want to cover
  accidental damage to
                                 £31,000     £5.27        £9.49       £18.07      £213.09
  other home contents as         £32,000     £5.44        £9.79       £18.66      £219.97
  well, use the premium          £33,000     £5.61       £10.10       £19.24      £226.84
  tables for “Standard Cover     £34,000     £5.78       £10.40       £19.82      £233.72
  incl Accidental Damage”        £35,000     £5.95       £10.71       £20.41      £240.59
  instead of the “ Standard
  Cover” tables.
                                 £36,000     £6.12       £11.02       £20.99      £247.46
• If you want to pay extra       £37,000     £6.29       £11.32       £21.57      £254.34
  premium to cover               £38,000     £6.46       £11.63       £22.15      £261.21
  personal belongings,           £39,000     £6.63       £11.93       £22.74      £268.09
  wheelchairs and hearing        £40,000     £6.80       £12.24       £23.32      £274.96
  aids outside your home,
  you can do so. See the
  premiums under
  “ Optional Extensions to
  Cover” .                                                                                  9
     Optional Extensions to Cover
                                Personal Belongings
     Tenants,                      Sum      Weekly     Fortnightly   Monthly      Annual
     Leaseholders and            Insured Payment Card Payment Card Direct Debit
                                  £1,000     £0.78        £1.55       £3.35       £40.19
     Shared Owners                £2,000     £1.00        £2.00       £4.33       £51.94
     aged under 60                £3,000     £1.22        £2.45       £5.31       £63.70
     who are not in
     sheltered or
     supported
     accommodation.             Wheelchairs
     These are optional
                                   Sum      Weekly     Fortnightly   Monthly      Annual
     extensions which are
                                 Insured Payment Card Payment Card Direct Debit
     available if you want to     £1,000     £1.06        £2.11       £4.58        £54.88
     insure against loss or       £2,000     £2.12        £4.22       £9.16       £109.76
     damage outside your          £3,000     £3.18        £6.33       £13.74      £164.64
     home. If you want the        £4,000     £4.24        £8.44       £18.32      £219.52
     extra cover, the
     appropriate premium
     shown in the table will    Hearing Aids
     be added to your main
                                   Sum      Weekly     Fortnightly   Monthly      Annual
     contents premium.
                                 Insured Payment Card Payment Card Direct Debit
     All premiums include         £1,000     £0.94        £1.88       £4.07       £48.79
     Insurance Premium Tax        £2,000     £1.88        £3.76       £8.14       £97.58
     at the current rate.         £3,000     £2.82        £5.64       £12.21      £146.37




10
                               SUMMARY OF COVER
LOSS OR DAMAGE TO CONTENTS WHILE IN                         you tick the appropriate boxes and enter the amount
YOUR HOME BY:                                               of cover you require on the application form.
1.    Fire, explosion, lightning, earthquake.
2.    Water or oil escaping from any fixed water or         POLICY EXCLUSIONS
      heating installation or domestic appliance.           1.   Accidental damage to contents, unless listed
3.    The building being hit by an aircraft, flying              under Cover Limits opposite.
      object or anything falling from them, or by a         2.   Scorching without a fire actually starting.
      vehicle, train or animal.                             3.   Mechanical breakdown of electrical equipment.
4.    Falling trees or branches.                            4.   Personal possessions away from or outside your
5.    Riot, civil commotion, strikes, labour or political        home.
      disturbances.
6.    Malicious people or vandals.
                                                            COVER LIMITS
                                                            1.   a - 1/3 of the contents sum insured for
7.    Storm or flood.
                                                                        valuables which are items of jewellery,
8.    Theft or attempted theft.
                                                                        watches, furs, pictures, clocks, collections
COVER ALSO INCLUDES                                                     of coins, works of art, medals or stamps
1.    Rent or other accommodation if your home                          and property made of precious metal. Limit
      cannot be lived in due to specified causes.                       any one valuable – £1,250.
2.    Temporary removal of your contents.                        b - £500 limit on money and credit cards.
3.    Accidental damage to televisions, video players       2. Loss of or damage to deep freezer contents – no
      and recorders, hi-fi systems, satellite decoders           limit.
      and DVD players, fixed aerials, masts and             3. Cost of replacing locks to external doors up to
      satellite dishes. Accidental breakage of mirrors,          £500 following loss or theft of keys.
      ceramic hobs in cookers and fixed glass in            4. Tenants legal liability – up to 20% of the
      furniture.                                                 contents sum insured.
4.    Deep freezer contents.                                5. Cost of alternative accommodation – up to 20%
5.    Tenant’s liability and Third Party liability.              of the contents sum insured.
6.    Accidental death.                                     6. Personal and occupiers liability to third parties –
7.    Lost or stolen keys.                                       up to £2.5 million.
8.    Replacing lost or damaged documents.                  7. Liability to domestic employees – up to £5
9.    Domestic animals.                                          million.
10.   Theft of money by bogus officials.                    8. Theft of contents from domestic outbuildings or
11.   Wedding & Religious Festivals.                             garages – up to £2,000.
12.   Visitors personal belongings.                         9. Accidental damage to televisions, video players
13.   Tenants improvements.                                      and recorders, hi-fi systems, satellite decoders
14.   Trees and Shrubs.                                          and DVD players, fixed aerials, masts and
15.   Professional Removals.                                     satellite dishes and accidental breakage of
                                                                 mirrors, ceramic hobs in cookers and fixed glass
OPTIONAL EXTENSIONS AVAILABLE TO THE                             in furniture – no limit except for satellite dishes
POLICY COVER                                                     up to £250.
Accidental Damage Extension to the Contents
                                                            10. Cost of replacing documents – up to £200.
Accidental Damage to your contents while they are in        11. Accidental death – £5,000.
your home or its domestic outbuildings or garages all       12. Theft of money by bogus officials – up to £300.
on the same site.                                           13. Accidental death cover for your cat or dog – up
If you require this extension, please ensure you tick            to £200 to replace your pet.
the box on the application form.                            14. Contents in domestic garages owned/rented
Personal Belongings
                                                                 within the British Isles – up to £2,000.
Up to £3,000 cover available for Personal Belongings,       15. Visitors personal belongings – up to £250.
pedal cycles and sports equipment whilst in the British     16. Tenants Improvements – up to 20% of the
Isles and temporarily elsewhere in Europe up to the              contents sum insured.
maximum of 14 days.                                         17. Your trees, shrubs, plants, hedges and lawns on
If you require this extension, please ensure you tick            the land belonging to your home are insured
the box and enter the amount of cover required on                against specified circumstances including theft,
the application form.                                            fire and vandalism – up to £250.
Hearing Aids and Wheelchairs
                                                            18. Accidental Damage or loss while a professional
Up to £3,000 cover available for Hearing Aids and up             removal firm are moving your contents from
to £4,000 cover available for Wheelchairs which are              your home directly to your new permanent
owned by any member of your household or for                     home in the British Isles – up to the sum insured
which they are responsible, whilst in the British Isles          on contents.
and temporarily elsewhere in Europe up to the
                                                            19. Loss of or damage to contents which belong to
maximum of 14 days.
                                                                 or are the legal responsibility of students while
If you require either of these extensions, please ensure       temporarily removed from your home – £2,500.

         This is a brief summary of cover. There are conditions and limitations in the policy wording,
                                a copy of which will be provided on request.

                                     Royal & Sun Alliance Insurance plc, No. 93792
            Registered in England and Wales at St. Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL
                              Authorised and Regulated by the Financial Services Authority                         11
 How to pay and what to do next:
 HOW TO PAY AND WHAT TO DO NEXT:
 See “Cost of Cover”. You can pay:-                            Either complete the Application Form attached
 • Weekly or fortnightly in cash at your Post                  (ticking the appropriate “Method of Payment”
     Office, using a payment card which we will                box) and return it to:
     send you,                                                 RSA, Direct Group Property Services, 4 Sidings
 • Monthly or annually by direct debit,                        Court, Doncaster, DN4 5NU
 • By one-off annual payment by debit card or
     credit card, postal order or cheque (payable to           Or you can apply by phone instead on
     Royal & Sun Alliance Insurance plc).                      08456 718 172 – you should ask to speak to
                                                               Household Operations and advise that you are a
                                                               Riverside tenant, shared owner or leaseholder.


                          Telephone calls may be recorded or monitored for your protection.



     Law applicable                                           Complaints
     to the Contract                                          Procedure
     UK Law allows the parties to this Contract a             If you are not happy with the service of RSA you
     choice of Law applicable to the contract. This           can contact the manager of the department
     contract is governed by the Law of Scotland if           handling the matter at;
     you live in Scotland and English Law if you live
                                                              Royal & Sun Alliance Insurance plc
     elsewhere in the UK except as specified to the
                                                              Household Operations
     contrary elsewhere in your policy.
                                                              PO Box 4162
     Policies are underwritten by Royal & Sun                 17 York Street
     Alliance Insurance plc in the United Kingdom.            Manchester
                                                              M2 3RS
                                                              In the unlikely event that you are still not

     Your right to                                            satisfied and want to make a formal complaint,
                                                              please contact;

     cancel the policy                                        RSA
                                                              Customer Relations Office
     If having examined your policy you decide not            Bowling Mill
     to proceed with the insurance, you will have             Dean Clough Industrial Park
     14 days to cancel it starting on the day you             Halifax
     receive the policy documentation.                        HX3 5WA
                                                              If the matter is not resolved to your satisfaction
     On receipt of your written notice we will refund         you will be provided with the Company’s final
     any premiums already paid, unless we have                response so that you can, if you wish, refer the
     been notified of a claim.                                matter to the Financial Ombudsman Service.
                                                              Their address is;
                                                              Financial Ombudsman Service
                                                              South Quay Plaza
                                                              183 Marsh Wall
                                                              London
                                                              E14 9SR


                                        Royal & Sun Alliance Insurance plc, No. 93792
               Registered in England and Wales at St. Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL
                                 Authorised and regulated by the Financial Services Authority
12                                                                                                              TC0359C | 01/11
                      APPLICATION FORM                                                                 Is this a New Application?

                     THE RIVERSIDE GROUP                                                               Is this a Change?
                                                                                                       If so, give details


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

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

                                                                                                       Postcode

Please tick this box if you live in sheltered or supported accommodation

Are you a        tenant (show tenancy number below)                 a shared owner or leaseholder

                                                                      Date of
Tenancy No.                                                           Birth                       Tel No.

Precise                                                                                         Date cover
Occupation                                                                                      to start

Please answer all of the following Questions
Whenever we ask questions on the Application Form about your household, we mean You and Your
family (including your partner and all children) who normally reside with you.
1. Have you or any member of your household who normally reside with you at your current                                      YES    NO
   address or elsewhere
   a) made a claim to any insurer in the last five years in respect of household contents insurance?
    b) suffered any loss or damage while not insured but which would have resulted in a claim if a household
       contents policy had been in force at the time?
    c) been refused any insurance or had special terms or conditions applied or cover cancelled by an Insurer?
    d) been convicted of any offence other than parking or speeding offences or offences which are spent under
       the Rehabilitation of Offenders Act 1974?
     e) had insurance under the Riverside Group scheme cancelled?
If you have answered ‘YES’, to any of the above questions, give full details (including dates and loss amounts) in the
Additional Information box overleaf.

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

It is important that the sum chosen is sufficient to replace ALL your Household Goods and Personal Belongings.
If the Sum Insured is inadequate you will have to bear a rateable proportion of any claim.

a) Do you require the full accidental damage option (see cost of cover tables)?
b) Do you require the extension in cover for Personal Belongings (see cost of cover tables)?                         £
c) Do you require the extension in cover for Wheelchairs (see cost of cover tables)?                                 £
d) Do you require the extension in cover for Hearing Aids (see cost of cover tables)?                                £

Method of Payment
Weekly                       Fortnightly                  Monthly                   Annually by                 Annually by
payment card                 payment card                 direct debit              Direct Debit                one-off payment
Additional Information
If you have ticked ANY of the shaded boxes on this Application Form please give FULL details here or on a separate sheet of
paper (attach details). Please state Question number.




Important
Please read the following carefully before you sign and date the Declaration.
     Claims and Underwriting Exchange - Insurers pass information to the Claims and Underwriting Exchange register, run
     by Insurance Database Services Ltd (IDS Ltd). The aim is to help us to check information provided and also to prevent
     fraudulent claims. When we deal with your request for insurance, we may search the register. When you tell us about an
     incident (such as fire, water damage or theft) which may or may not give rise to a claim, we will pass information relating
     to it to the register.
     You can ask us for more information about this.
     You should show this notice to anyone who has an interest in property insured under the policy.
     All personal information supplied by you will be treated in confidence by the RSA Group of companies and will not be
     disclosed to any third parties except where your consent has been received or where permitted by law. In order to provide
     you with products and services this information will be held in the data systems of the RSA Group of companies or our
     agents or subcontractors.
     The RSA Group of companies may pass your personal information to other companies for processing on its behalf. Some
     of these companies may be based outside Europe in countries which may not have laws to protect your personal
     information, but in all cases the Group will ensure that it is kept securely and only used for the purposes for which you
     provided it. Details of the companies and countries involved can be provided to you on request.



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



Signature of Applicant                                                                              Date
(Joint tenants, leaseholders, shared owners or co-habitees must sign)
                            PLEASE INITIAL ANY ALTERATIONS ON THIS APPLICATION FORM
                                               Royal & Sun Alliance Insurance plc, No. 93792
                      Registered in England and Wales at St. Mark’s Court, Chart Way, Horsham, West Sussex RH12 1XL
                                         Authorised and regulated by the Financial Services Authority.                TC0359C | 01/11

								
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