YOURPOLICYDOCUMENT
ParkHome
Freephone:0800614849
www.coastinsurance.co.uk
ThissectionisadministeredbyParkHomeInsuranceServicesLtd,tradingasCoastunderabindingauthorityagreementwithBritSyndicate2987atLloyd’s(BSL)(writtenunderuniquemarketreferenceB0356JJ548F16A000orreplacementthereof).BSL’sliabilityisseveralanditisliableforitsproportionofliabilityandhasnoliabilityforanyotherinsurers’proportion.ParkHomeInsuranceServicesLtdisauthorisedandregulatedbytheFinancialConductAuthority(firmreferencenumber306716)andisauthorisedtoadministerthissectiononbehalfofBSL.BSLismanagedbyBritSyndicatesLimitedwhichisauthorisedbythePrudentialRegulationAuthorityandregulatedbytheFinancialConductAuthority,registrationnumber204930.ThiscanbecheckedbyvisitingtheFCAwebsiteatwww.fca.org.uk.IntroductionItisimportantthatYoureadthepolicytoensurethatitprovidesthecoverYourequire.IfthereisanythinginitthatYouareunsureabout,pleasecontact:Coast,HelixHouse,HighStreet,Wadhurst,EastSussex,TN56AA.Tel:0800614849oremail:[email protected],Contents,PersonalPossessionsandFamilyLegalSolutionssectionsareunderwrittenbyBritSyndicate2987atLloyd’s.TheParkHome,ContentsandPersonalPossessionssectionsareadministeredbyCoast.TheFamilyLegalSolutionssectionofthispolicyisadministeredbyARAGplc.YourCancellationRightsYouhavetherighttocancelYourpolicyatanytime;todosoYoumustletCoastknowusingthecontactdetailsabove.Anypotentialrefundwillbecalculatedasfollows:Forcancellationinstructionsreceivedwithin14daysofpolicypurchase,renewalorYoureceivingYourpolicydocuments,Wewill:• ProvideafullrefundifthePeriodofInsurancehasnotyetstarted.• RefundthepremiumfortheexactnumberofdaysleftinthecurrentPeriodofInsuranceifno
Claimshavebeenmade.• NotrefundanypartofthepremiumifaClaimhasbeenmadeinthecurrentPeriodofInsurance.
Forcancellationinstructionsreceivedafterthe14dayperioddescribedabovehaspassed,Wewill:• RefundthepremiumfortheexactnumberofdaysleftinthecurrentPeriodofInsuranceifno
Claimshavebeenmadeapplyingamid-termcancellationcharge.• NotrefundanypartofthepremiumifaClaimhasbeenmadeinthecurrentPeriodofInsurance.DataProtectionYoushouldunderstandthatanyinformationYouhaveprovidedwillbeprocessedbyUsincompliancewiththeprovisionsoftheDataProtectionAct1988,forthepurposesofprovidinginsuranceandhandlingClaimsorcomplaints,ifany,whichmaynecessitateprovidingsuchinformationtootherparties.
INDEXTOYOURPOLICY
Page
ParkHomeBuildings,Contents&PersonalPossessionsSection:
ComplaintsProcedure 1-2
ImportantNotice 3
Definitions 4–7
Section1:Buildings 8–14
Section2:Contents 15–23
Section3:PersonalPossessions 24–27
PermanentResidenceExclusionsandConditionswhenUnoccupied/Unfurnished 28-29
HolidayHomeExclusionsandConditions 30
GeneralExclusionsapplicabletothissectionofthePolicy 31-32
GeneralConditionsapplicabletothissectionofthePolicy 33-35
HowtomakeaClaim 36
FamilyLegalSolutionsSection:
Definitions 37-39
Cover 39-42
WhatisnotinsuredbytheLegalExpensesPolicy 43
ConditionsapplicabletothewholeoftheLegalExpensesPolicy 44-45
ComplaintsProcedure 46-47
HowtomakeaClaim 48
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COMPLAINTSPROCEDURE
OuraimisalwaystogiveYouthehighestlevelofservicebutshouldYouatanytimebecomedissatisfiedpleaseseebelow.Coast’sCommitmenttoCustomerServiceCoastvaluetheopportunitytolookintoanyconcernsYoumayhavewiththeserviceprovidedandarecommittedtodealingwithallcomplaintsfairly,consistentlyandpromptly.WhotoContactintheFirstInstanceManyconcernscanberesolvedstraightaway,therefore,pleasegetintouchwithCoastastheywillgenerallybeabletoprovideYouwithanimmediateresponsetoYoursatisfaction.Coast’scontactdetailsareprovidedbelow:ComplianceManager,Coast,HelixHouse,HighStreet,Wadhurst,EastSussexTN56AA.Youcantelephoneon0800614849(freefromlandlinesandmobiles)ore-mail:info@coastinsurance.co.uk.IfYourcomplaintcannotberesolvedstraightaway,orintheeventthatYouremaindissatisfiedYoucanreferthemattertoPolicyholderandMarketAssistanceatLloyd's.Thecontactdetailsare:PolicyholderandMarketAssistance,MarketServices,Lloyd’s,FidentiaHouse,WalterBurkeWay,ChathamMaritime,KentME44RN.Youcantelephoneon02073275693,facsimileon02073275225ore-mail:[email protected]’sareunabletoresolveYourcomplainttoYoursatisfactionwithineightweeks,orifYouremaindissatisfiedfollowingreceiptofCoast’sfinalresponseletter,YoucanasktheFinancialOmbudsmanServicetoformallyreviewYourcase.ShouldYoudecidetodothis,YoumustcontacttheFinancialOmbudsmanServicewithinsixmonthsofCoast’sfinalresponse.TheFinancialOmbudsmanServicecontactdetailsareasfollows:FinancialOmbudsmanService,ExchangeTower,HarbourExchangeSquare,LondonE149SR.Youcantelephoneforfreeon08000234567,ore-mail:complaint.info@financial-ombudsman.org.uk.WhilstWeandCoastareboundbythedecisionoftheFinancialOmbudsmanService,Youarenot.FollowingthecomplaintsproceduredoesnotaffectYourlegalrights.
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ComplaintProcedureLeafletAleafletcontainingfulldetailsofthecomplaintprocedurewillbeprovidedduringthecomplainthandlingprocessandisavailableonrequest.CompensationBritSyndicate2987atLloyd’siscoveredbytheFinancialServicesCompensationScheme(FSCS)whichmeansthatYoumaybeentitledtocompensationifWeareunabletomeetOurobligationstoYou.Furtherinformationisavailableatwww.fscs.org.ukorbycontactingtheFSCSdirectlyon08006781100.TelephoneCallRecordingForOurjointprotectiontelephonecallsmayberecordedand/ormonitored.
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PARKHOMEINSURANCEPOLICY–IMPORTANTNOTICE(ParkHome,Contents&PersonalPossessionsSection)
ThispolicyisanagreementbetweenYou(thepersonshowninYourScheduleastheInsured)andUs(BritSyndicateatLloyd’s).YoumustreadthispolicytogetherwithYourScheduleandanyspecificationsorEndorsementsasonecontract.PleasereadallofthemtomakesurethattheyprovidethecoverYouaskedfor.Iftheydonot,pleasecontactCoastassoonaspossible.WewillinsureYouagainstloss,damageorlegalliabilitywhichmayoccurduringthePeriodofInsuranceinaccordancewiththeSectionsspecifiedintheSchedulesubjecttotheexclusions,conditionsandEndorsementsofthepolicyinreturnforpaymentbyYouofthepremium.InformationYouHaveGivenUsIndecidingtoacceptthispolicyandinsettingthetermsandpremium,WehavereliedontheinformationYouhavegivenUs.YoumusttakecarewhenansweringanyquestionsWeaskbyensuringthatallinformationprovidedisaccurateandcomplete.IfWeestablishthatYoudeliberatelyorrecklesslyprovidedUswithfalseormisleadinginformationWewilltreatthispolicyasifitneverexistedanddeclineallClaims.IfWeestablishthatYoucarelesslyprovidedUswithfalseormisleadinginformationitcouldadverselyaffectYourpolicyandanyClaim.Forexample,Wemay:• treatthispolicyasifithadneverexistedandrefusetopayallClaimsandreturnthepremium
paid.WewillonlydothisifWeprovidedyouwithinsurancecoverwhichWewouldnototherwisehaveoffered;
• amendthetermsofYourinsurance.WemayapplytheseamendedtermsasiftheywerealreadyinplaceifaClaimhasbeenadverselyimpactedbyYourcarelessness;
• reducetheamountWepayonaClaimintheproportionthepremiumYouhavepaidbearstothepremiumWewouldhavechargedYou;or
• cancelYourpolicyinaccordancewiththerighttocancelconditionbelow.WeorCoastwillwritetoYouifWe:• intendtotreatYourpolicyasifitneverexisted;or• needtoamendthetermsofYourpolicy.IfYoubecomeawarethattheinformationYouhavegivenUsisinaccurate,YoumustinformCoastassoonaspracticable.ChoiceofLawYourpolicyisgovernedbythelawthatappliestowhereYouresidewithintheUnitedKingdom.Ifthereisanydisagreementaboutwhichlawapplies,Englishlawwillapply.UseofLanguageUnlessotherwiseagreed,thecontractualtermsandconditionsandotherinformationrelatingtothiscontractwillbeinEnglish.
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DEFINITIONS(ParkHome,Contents&PersonalPossessionsSection)
ThedefinitionsgivenforthefollowingwordsorexpressionswillapplywherevertheyappearintheScheduleorEndorsements.Theyalsoapplywherevertheyappearinthepolicy.
AccidentalDamage Unexpectedandunintendeddamagecausedbysuddenandvisiblemeans.
Buildings ThestructureoftheparkHome,itspermanentfixturesandfittingsanddecorativefinishes,foundationslab,patios,terraces,hardsportscourts,sunkenswimmingpools,ornamentalponds,fountains,cesspits,septictanks,paths,drives,walls,gates,fences,railingsandlamppostsallcontainedonorwithinorformingtheboundariesofthelandattheaddressspecifiedintheScheduleEXCLUDING:satellitetelevisionreceivingequipment,televisionorradioaerials,aerialfittings,aerialmastsorplinths.
Claim Asinglelossorseriesoflossesarisingfromoneoriginatingcauseforwhichinsuranceisprovidedbythispolicy.
ClaimPayment TheamountWeagreetopayforaClaim.WehavediscretionfollowingaClaimtomakepaymentoftheamountofthelossbutnotmorethanthecostoftherepairoreffectnecessaryrepair,replacementorreinstatement.ThemaximumamountWewillpayforaClaimistheSumInsuredshownintheScheduleplusIndex-LinkedincreaseslesstheamountofanyExcessor,ifthereisaspecificamountstatedinthepolicyasthelimitofwhatWewillpay,Wewillnotpaymorethanthatlimit.
Contents Householdgoodsandappliances,furnitureandfurnishings,Moneyupto£500,andanyotherpropertybelongingtoortheresponsibilityofYouoramemberoftheFamilyandtenants’fixturesandfittings.EXCLUDING:a) MotorVehicles,mobilityscooters,caravans,trailers,watercraft,
boats,canoes,sailboards,surfboards,hovercraft,aircraftandtheirpartsandaccessories,
b) livingcreatures,livestockandpets,c) trees,bushesorplantsofanykindotherthanhouseplantsnormally
keptinthelivingaccommodationoftheHome,d) thestructure,permanentfixturesandfittingsanddecorative
finishesoftheHome,e) plans,drawings,deeds,documents,securitiesorcertificatesofany
kindwhicharenotdefinedasMoney,f) cookers,hobsorothercookingequipmentorelectricalappliances
formingpartofpermanentlyfittedunits,g) propertyheldorusedwhollyorpartlyforbusinessorprofessional
purposes,h) propertymorespecificallyinsuredeitherelsewhereinthispolicyor
onanyotherpolicyofinsurance.
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CreditCard Credit,debit,chequeguarantee,charge,bankersandcashdispensercardsheldorusedbyYouortheFamily.
Endorsements Avariationinthetermsofthispolicy.
Excess AnamountdeductedfromaClaimPayment.TheamountofanyExcessisstatedinthispolicyorintheSchedule.
Family YouandYourspouseordomesticpartner,children,parents,relativesandotherpersons,allpermanentlylivingintheHome.
Home ThestructurecomprisingYourlivingaccommodationand,providedtheyaresituatedonorwithintheboundariesofthelandoftheaddressshownintheSchedule,Yourgarage,domesticgreenhouses(upto100sqftfloorarea),smalloutbuildingsandshedsunlessspecifiedotherwiseontheSchedule.
HolidayHome TheHomeisoccupiedasaHolidayHomeandnotYourpermanentresidence.ThisincludesprivateuseoftheHomebyYou,YourFamilyandfriendsonanon-profitbasiswithnoadvertisedlettingsandfornocommercialgain.Wherepaymentisreceivedfortheuseofgas,electricity,wateretc.thenthisisacceptablebutifthepaymentincludestheuseoftheHomethenitmustbeinsuredasaholidaylet.SeePage30foradditionalexclusionsandconditions.
HolidayLetting TheHomeisletforuse(whethercommerciallyletorotherwise)tomembersofthepublicoutsideofYourFamilyandfriendsand/orpaymentisreceivedfortheuseoftheHome.SeePage30foradditionalexclusionsandconditions.
Index-Linked TheSumInsuredstatedontheSchedulewillbeadjustedannuallyatrenewalinlinewiththeindicesshownbelow.IfthevariationinanindexisareductionwewillnotreducetheSumInsuredunlessYoutellUsinwritingtodoso.
Section1Buildings TheHouseRebuildingCostIndexproducedbyTheRoyalInstitutionofCharteredSurveyors
Section2Contents TheDurableHouseholdGoodsSectionofTheGeneralIndexofRetailPrices
Section3PersonalPossessions TheSumsInsuredunderthisSectionwillnotbeIndex-Linked
WhereWespecifyinthispolicyamonetaryamountuptowhichWewillpayforaClaimsuchspecificmonetaryamountsarenotIndex-Linked.
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Money Cash,currency,banknotesorcoins,cheques,travellers’cheques,postalandmoneyorders,unusedpostagestamps,savingscertificates,bondsandpremiumbonds,tradingstamps,savingsstamps,accumulatedcreditsforretailloyaltyschemes,luncheonvouchers,giftvouchers,travel,theatre,sportingeventorsimilarticketsheldbyYouortheFamilysolelyforprivatepurposes.
MotorVehicles Anyelectronicallyormechanicallyorpowerdrivenassistedvehicleotherthan:a) pedestriancontrolledtoysormodels,b) pedestriancontrolledgolftrolleys,c) gardenimplementsandequipmentusedbyYouortheFamily
withintheboundariesofthelandofYourHome.
MusicalInstruments Musicalinstruments,electricalorelectronicormechanicalequipmentdesignedorintendedtoproduce,whetherinconjunctionwithMusicalInstrumentsorotherwise,soundofamusicalnature.
OverseasTravel TemporaryabsencefromtheHomeoutsidetheUnitedKingdomforupto60daysinanyonePeriodofInsurance.
PeriodofInsurance TheperiodstatedintheScheduleforwhichWeagreetoacceptandYouhavepaidoragreedtopaythepremium.
PermanentResidence Main,principaloronlyresidence.
PersonalPossessions ItemsyouwishtoinsureawayfromtheHome.Anyitemvaluedatmorethan£1,000mustbespecifiedandtheSumInsuredshouldrepresentthecostofbuyingtheitemnewatthetimeoftheloss.Anyitemleftunattendedinacarwillonlybecoveredifthecarisfullylocked,allwindowsandsunroofsarefullyclosedanditemsareplacedinthebootoutofsight.Pleasenote,areceiptorcopyvaluationnotmorethantwoyearsoldmayberequiredintheeventofaClaim.
Schedule Yournameandaddress,detailsoftheinsurancebythispolicy,thePeriodofInsuranceandthesectionsofthepolicywhichareinforceandanyEndorsementswhichapply.TheScheduleispartofthepolicy.
SpecifiedItems Articlesvaluedatmorethan£1,000composedofpreciousmetalsorincorporatingpreciousstones,jewellery,furs,watches,photographicorvideoequipment(non-professionaluseonly),laptopcomputers,mobilephones,hearingaids,binoculars,shotguns,wearingapparelandotherarticlesnormallyworn,usedorcarried.TheSumInsuredshouldrepresentthecostofbuyingtheitemnewatthetimeoftheloss.Pleasenote,areceiptorcopyvaluationnotmorethantwoyearsoldmayberequiredintheeventofaClaim.
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SumInsured TheSumInsuredasshownontheScheduletogetherwithanyadjustmentforIndex-Linking(whereapplicable)isthemostWewillpayforanyoneClaim.However,ifaspecificlimitapplies(asdetailedinthispolicy)Weshallnotpaymorethanthatspecificlimit.TheSumInsuredunderSection1BuildingsmustbeadequatetorebuildthewholeoftheBuildingsatthetimeofthelossinanewconditionsimilarinform,sizeandstyleincludingthecostofprofessionalfees,siteclearancecostsandcostsincurredbecauseoftherequirementsoflocalauthoritiesorotherstatutoryorganisations.TheSumsInsuredundereachofSection2ContentsandSection3PersonalPossessionsmustbeadequatetoreplacealloftheinsureditemsatthetimeofthelosstakingintoaccounttheBasisofSettlementdescribedatthebeginningofeachoftheSections.
UnitedKingdom GreatBritain(ie.England,Scotland,Wales,theIsleofManandtheChannelIslands)andNorthernIreland.
Unfurnished WithoutenoughfurnitureandfurnishingsforfullhabitationasaPermanentResidenceformorethan60consecutivedays.
UnfurnishedHolidayHome
WithoutenoughfurnitureandfurnishingsforfullhabitationasaHolidayHomeforanycontinuousperiodexceeding72hours.
Unoccupied NotlivedinbyYou,orbyanyotherpersonauthorisedbyYou,formorethan60consecutivedaysasaPermanentResidence.
UnoccupiedHolidayHome
NotlivedinbyYou,orbyanyotherpersonauthorisedbyYou,foranycontinuousperiodexceeding72hours.
UnspecifiedItems Articles valued at less than £1,000 composed of precious metals orincorporatingpreciousstones,jewellery,furs,watches,photographicorvideo equipment, binoculars, wearing apparel and other articlesnormallyworn,usedorcarriedwithintheHome.TocoverarticlesawayfromtheHome,youwillrequirePersonalPossessionscover.
Valuables Anyarticlescomposedofpreciousmetalsorincorporatingpreciousstones,jewellery,furs,watches,worksofart,antiques,curios,collectionsofstampsorcoinsormedals.Pleasenote,areceiptorcopyvaluationnotmorethantwoyearsoldmayberequiredintheeventofaClaim.
We/Us/Our BritSyndicate2987atLloyd’s.
You/Your Theperson(s)namedintheScheduleastheinsured.
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SECTION1–BUILDINGSTheSumInsuredstatedintheScheduleisIndex-LinkedandwillnotbereducedbytheamountofanyClaimPayment.BasisofClaimSettlement
1. TheSumInsuredmustbeadequatetopayforthefullcostofrebuildingthewholeoftheBuildingsinanewconditionsimilarinform,sizeandstyleincludingthecostofexpenseslistedunderExtensionDofthisSectionatthetimeoftheloss.
2. IftheSumInsuredissufficienttopayforthecostofrebuildingasstatedin1.aboveandtheBuildingshavebeenmaintainedingoodrepairWewill,atOuroption,paythecostofrepairing,reinstatingorrebuildingthepartoftheBuildingswhichhasbeendamagedordestroyedbyanInsuredPeril.
3. IftheSumInsuredisnotsufficienttopayforthefullcostofrebuildingasstatedin1.above,anyClaimPaymentwillbereducedbytheproportionwhichtheSumInsuredbearstothefullcostofrebuildingthewholeoftheBuildings.
4. WewillnotpaymoreforeachClaimarisingoutofInsuredPerils1to17orExtensionsAorBthantheSumInsuredonBuildingsshownintheScheduleplusIndex-LinkedincreaseslesstheamountofanyExcess.
5. Wewillnotpaythecostofreplacinganyundamageditemorpartofanitemsolelybecauseitformspartofaset,suiteoroneofanumberofitemsofasimilarnature,colourordesign,whenlossordamageoccurswithinaclearlydefinedareaortoaspecificpartandreplacementscannotbematched.
6. Excess–Youmustpaythefirst£25inrespectofeachandeveryClaimarisingoutofInsuredPerils1to15and17,or£50foreachandeveryClaimarisingoutofInsuredPeril16.IfWeandYouhaveagreedondifferentExcessesdetailsareshownontheSchedule.
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STANDARDCOVER EXCLUSIONS(seealsoGeneralExclusions)
WewillpayforlossofordamagetotheBuildingsduringthePeriodofInsurancecausedbythefollowingInsuredPerils:
i) TheamountoftheExcessshowninthePolicyorontheSchedule.
ii) Damagebywetordryrotarisingfromanycause.
InsuredPerils:
1. Fire. -
2. Explosion. -
3. Smoke. 3. Lossordamagebyanygraduallyoperatingcause.
4. Lightningandthunderbolt. -
5. Earthquake. -
6. Subterraneanfire. -
7. Theftorattemptedtheft. 7. Lossordamage:i) whiletheHomeisUnfurnishedor
Unoccupied,ii) causedbyamemberoftheFamily.
8. Riot,civilcommotion,strikes,labourandpoliticaldisturbances.
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9. Vandalismandactsofmaliciouspersons. 9. Lossordamage:i) causedbyanypersonlawfullyinthe
Home,ii) whiletheHomeisUnfurnishedor
Unoccupied.
iii) Escapeofwateroroilfrom:a) fixedtanks,apparatus(includingwashing
machines)orpipesanddamagetosuchitemsbyfreezing,
b) fixeddomesticoil-firedheating
installation,pipesorapparatus.
10. a) Lossordamage:
i) totheapparatus(includingwashingmachines),installationorpipesthemselvesifcausedbywearandtear,
ii) whiletheHomeisUnfurnishedorUnoccupied.
b) LossordamagewhiletheHomeisUnfurnishedorUnoccupied.
iv) Stormorflood. 11. Lossordamage:i) togates,fences,hedgesorhardsports
courtsandancillaryequipment,ii) byfrost,subsidence,landsliporheave,iii) duetoanygraduallyoperatingcause.
v) Fallingtreesorbranches. 12. Lossordamage:i) togates,fencesorhedges,ii) resultingfromfellingorloppingoftreesby
You,theFamily,oronYourbehalf.
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STANDARDCOVER EXCLUSIONS(seealsoGeneralExclusions)
vi) ImpactwiththeBuildingsbyanyvehicle,animalorbyarticlesdroppedorfallingfromthem.
13. Lossordamagecausedbyinsects,vermin,birdsordomesticpets.
vii) ImpactwiththeBuildingsbyanyaircraftorbyarticlesdroppedorfallingfromthem.
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viii) DamagetotheBuildingscausedbythebreakageorcollapseofsatellitetelevisionreceivingequipment,televisionorradioaerials,aerialfittingsormasts.
15. Lossordamagetotheequipmentitself.
16. SubsidenceorheaveofthesiteonwhichtheBuildingsstand,orlandslip.
16. i) Damagetoorresultingfromthe
movementofsolidfloorslabsunlessthefoundationsbeneaththeexternalwallsoftheHomearedamagedatthesametimebythesamecause.
ii) Lossordamage:a) causedbyorresultingfromcoastalor
rivererosion,b) causedbybeddingdownofthenew
Buildings,c) causedbyorresultingfromthe
settlementofnewlymadeupground,d) resultingfromnormalsettlement,
shrinkageorexpansion,e) duetodemolition,structural
alterationorstructuralrepair.iii) Lossordamagetopatios,terraces,hard
sportscourts,sunkenswimmingpools,ornamentalponds,fountains,cesspits,septictanks,centralheatingfueltanks,paths,drives,walls,gates,fences,railingsandlamppostsunlesstheHomeisdamagedatthesametimebythesamecause.
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STANDARDCOVER EXCLUSIONS(seealsoGeneralExclusions)17. AccidentalDamage.
17. Damage:i) causedbyorarisingfrom:
a) frost,damp,corrosion,rust,wetordryrot,fungus,insects,vermin,woodworm,domesticpets,wearandtear,oranygraduallyoperatingcause,
b) deliberateactsbyYouortheFamily,c) thecostofmaintenanceandnormal
redecorationorrepairworkorreplacingelectricalormechanicalequipmentfollowingitsbreakdownormisuse,
d) faultyworkmanship,defectivedesignortheuseofdefectivematerials,
ii) occurringwhiletheHomeisUnfurnishedorUnoccupied.
iii) occurringwhiletheHomeoranypartofitislent,letorsub-let.
iv) causedbyorarisingfromInsuredPerils1to16inclusiveaboveorinsuredbyExtensionsAorBtothisSection.
v) specificallyexcludedunderInsuredPerils1to16aboveorExtensionsAorBtothisSection.
vi) occurringduringconstruction,erectionorinstallationortoanypropertynotformingpartoftheBuildingsusedinconnectionwithsuchconstruction,erectionorinstallation.
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EXTENSIONSAPPLYINGTOSECTION1–BUILDINGSYouarealsoinsuredforthefollowing:
EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusions)
AGlassandSanitaryFixtures
WewillpaythecostofreplacingorrepairfollowingAccidentalDamageto:1. fixedglass(includingdouble
glazing)inwindows,doors,fanlightsandskylightsformingpartoftheHome,
2. sanitaryfixturesintheHome,3. ceramichobsintheHome
formingpartofpermanentlyfittedunits.
i) LossordamageoccurringwhiletheHomeisUnfurnishedorUnoccupied.
ii) TheamountoftheExcess.iii) AnyamountexceedingtheSum
InsuredontheBuildings.
BUndergroundServices
WewillpaythecostofrepairfollowingAccidentalDamagetoundergroundservicepipesorcablesforwhichYouarelegallyresponsibleprovidingservicestoorfromtheHome.
i) Anycostsincurredinclearingablockage.
ii) Anycostsincurredforanydamagecausedtoservicepipesorcableswhilstclearingorattemptingtoclearablockage.
iii) TheamountoftheExcess.iv) AnyamountexceedingtheSum
InsuredontheBuildings.
CAlternativeAccommodationand/orLossofRent
WhiletheHomeremainsuninhabitableasaresultoflossordamageinsuredunderthisSectionWewillpayYoufor:
1. thecostofreasonablealternativeaccommodationifthisisnecessaryforYou,theFamily,YourdomesticpetsandYourresidentdomesticemployees,
2. lossofrentduetoYou,3. uptotwoyearsgroundrentif
Youcontinuetobeliabletopayit.
ThemostWewillpayunderthisExtensionshallnotexceed20%oftheSumInsuredonBuildingseachClaim.
i) CostorrentincurredwithoutOurprioragreement.
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EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusions)
DProfessionalFeesandOtherCosts
FollowinglossordamageduetoanInsuredPerilWewillpayfor,providedOurprioragreementhasbeenobtained:1. architects’,surveyors’,legaland
otherfeesnecessarytorepairorrebuildtheBuildings,
2. thecostofmakingtheBuildingssafe,removalofdebrisandclearingthesite,
3. theadditionalcostsofrebuildingorrepairarisingfromcompliancewithgovernmentorlocalauthorityrequirements
4. feespayabletothesiteownerwhicharespecifiedinawrittencontractandwhicharesolelyinconnectionwiththerebuildingorrepairoftheBuildings.
i) AnycostsincurredinpreparingaClaimunderthisPolicy.
ii) Costsarisingunderanoticeservedbythegovernmentorlocalauthoritypriortothelossordamage.
EContractingBuyer
WhenYouhavecontractedtoselltheHomethepurchaserwillhavethebenefitofcoverunderthetermsofthisSectioninrespectoflossordamageoccurringbetweentheperiodofexchangeofcontractsandcompletionofthesaleoftheHome.
i) Lossordamageinsuredunderanyotherpolicy.
ii) AnyamountpayableunderExtensionC–AlternativeAccommodationand/orLossofRent.
FPropertyOwner’sLiability
Wewillpaydamagesandclaimants’costsandexpensesforwhichYouarelegallyliableinrespectofaccidentsoccurringduringthePeriodofInsuranceresultinginthedeathof,orbodilyinjuryto,anypersonorlossofordamagetopropertyarising:i) solelyfromownership(not
occupation)oftheBuildingsandtheirland,
ii) underSection3oftheDefectivePremisesAct1972orSection5oftheDefectivePremises(NorthernIreland)Order1975inrespectofanyprivatehouseorflatwhichYoupreviouslyownedandoccupied.
Liability:i) forthedeathoforbodilyinjury
toamemberoftheFamily,ii) forthedeathoforbodilyinjury
toanypersonemployedbyamemberoftheFamilywheredeath,orinjuryarisesoutofandinthecourseofsuchemployment,
iii) fordamagetopropertybelongingtoorunderthecontrolofYouoramemberoftheFamilyorapersonemployedbyamemberoftheFamily,
iv) arisingoutofanybusinessorprofessionortheuseofliftsorMotorVehicles,
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EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusions)
F
PropertyOwner’sLiability(continued)
Inaddition,theinsuranceprovidedinrespectofliabilityarisingbyvirtueofSection3oftheDefectivePremisesAct1972orSection5oftheDefectivePremises(NorthernIreland)Order1975,willcontinueforaperiodofsevenyearsfromthedateofcancellationofthisPolicyinrespectoftheBuildingsinsuredatthedateofcancellation.ThetotalamountpayableinrespectofeachClaimislimitedto£5,000,000.InadditionWewillpaydefencecostsandexpensesincurredwithOurwrittenconsent.IntheeventofYourdeath,WewillindemnifyYourlegalpersonalrepresentativesunderthetermsofthisExtensioninrespectofliabilityincurredbyYou.
Liability(continued):
v) arisingfromacontract,whetherwrittenornot,whichimposesaliabilitywhichYouoranymemberoftheFamilywouldnototherwisehavebeenunder,
vi) underSection3oftheDefectivePremisesAct1972orSection5oftheDefectivePremises(NorthernIreland)Order1975,whereamorerecentlyeffectedorcurrentpolicycoverstheliability.
G
StolenKeys
Ifthekeystothelocksoftheexternaldoorsofthelivingaccommodationarestolen,Wewillpaythecostofreplacingtheexternallocksandtheirkeysuptoamaximumamountof£300eachClaim.ThemostWewillpayunderthisExtensionandExtensionEofSection2is£300intotaleachClaim.
i) Anyadditionalcostsincurredinfittingnewlockswhicharebetterinquality,specificationorstylethanthosebeingreplaced.
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SECTION2–CONTENTSTheSumInsuredstatedintheScheduleisIndex-LinkedandwillnotbereducedbytheamountofanyClaimPayment.BasisofClaimSettlement1. TheSumInsuredmustbeadequatetopayforthefullcostofreplacingalltheContentsina
newconditionatthetimeoftheloss(aftermakinganallowanceforwearandtearanddepreciationonarticlesofclothingandhouseholdlinen).
2. IftheSumInsuredissufficienttopayforthefullcostofreplacingYourContentsasstatedin1.above,Wewillpayforthecostofrepairor,wheretheContentsarelostordamagedbeyondrepair,Wewill,atOuroption,replacethemorpayforthecostofreplacingtheminthesameformandstyleasnewwithnodeductionforwearandtearordepreciation.However,adeductionforwearandtearanddepreciationwillbemadeforclothingandhouseholdlinen.
3. IftheSumInsuredisnotsufficienttopayforthefullcostofreplacingYourContentsasstatedin1.above,anyClaimPaymentwillbereducedbytheproportionwhichtheSumInsuredbearstothefullcostsofreplacingallYourContents.
4. WewillnotpaymoreforeachClaimarisingoutofInsuredPerils1to17orExtensionsC,DorQthantheSumInsuredshownontheSchedulenormorethanthespecificamountsstatedintheExtensionstothisSection.
5. Wewillnotpaythecostofreplacinganyundamageditemorpartofanitemsolelybecauseitformspartofaset,suiteoroneofanumberofitemsofasimilarnature,colourordesignwhenlossordamageoccurswithinaclearlydefinedareaortoaspecificpartandreplacementscannotbematched.
6. UnderthisSectionWewillnotpaymorethan:a. theSumInsuredforContentsnormorethantheamountsstatedasspecificinnerlimits
inB,CandDbelow,b. thelimitforanyoneValuable–10%oftheSumInsuredforContentsor£1,000,
whicheveristheless,unlessspecificallydetailedontheSchedule,c. thelimitforValuablesintotal–40%oftheSumInsuredforContents,unlessspecifically
detailedontheSchedule,d. thelimitforMoney-£500.IfWeandYouhaveagreedonlimitsotherthanthosestatedinB,CandDabovesuchotherlimitsareshownonYourSchedule.
7. Excess–Youmustpaythefirst£25inrespectofeachandeveryClaimarisingoutofInsuredPerils1to17.IfWeandYouhaveagreedondifferentExcessesdetailsareshownontheSchedule.
16
STANDARDCOVER EXCLUSIONS(seealsoGeneralExclusions)
WewillpayforlossofordamagetotheContentsintheHomeduringthePeriodofInsurancecausedbythefollowingInsuredPerils:
i) TheamountoftheExcessshowninthePolicyorontheSchedule.
ii) Damagebywetordryrotarisingfromanycause.
iii) LossofordamagetoContentsindetachedgarages,shedsoroutbuildingsotherthanasprovidedinExtensionQ.
InsuredPerils:
1. Fire. -
2. Explosion. -
3. Smoke. 3. Lossordamagebyanygraduallyoperatingcause.
4. Lightningandthunderbolt. -
5. Earthquake. -
6. Subterraneanfire. -
7. Theftorattemptedtheft. 7. Lossordamage:i) whiletheHomeisUnfurnishedor
Unoccupied,ii) occurringwhiletheHomeoranypartof
itislent,letorsub-letunlessentryorexitisobtainedbyforcibleandviolentmeans,
iii) causedbyamemberoftheFamily.
8. Riot,civilcommotion,strikes,labourandpoliticaldisturbances.
-
9. Vandalismandactsofmaliciouspersons.
9. Lossordamage:i) causedbyanypersonlawfullyinthe
Home,ii) whiletheHomeisUnfurnishedor
Unoccupied.
10. Escapeofwateroroilfrom:a) fixedtanks,apparatus(including
washingmachines)orpipesanddamagetosuchitemsbyfreezing,
b) fixeddomesticoil-firedheatinginstallation,pipesorapparatus.
10. a)i) LossordamagewhiletheHomeis
UnfurnishedorUnoccupied.b)
i) LossordamagewhiletheHomeisUnfurnishedorUnoccupied,
ii) Lossoftheoilitself(seeExtensionG).
11. Stormorflood. 11. Lossordamage:i) topropertynotinsidetheHome,ii) byfrost,iii) duetoanygraduallyoperatingcause.
17
STANDARDCOVER EXCLUSIONS(seealsoGeneralExclusions)
InsuredPerils:
12. Fallingtreesorbranches. 12. LossordamageresultingfromfellingorloppingoftreesbyYou,theFamily,oronYourbehalf.
13. Impactbyanyvehicle,animalorbyarticlesdroppedorfallingfromthem.
13. Lossordamagecausedbyinsects,vermin,birdsordomesticpets.
14. Impactbyanyaircraftorbyarticlesdroppedorfallingfromthem.
-
15. Breakageorcollapseofsatellitetelevisionreceivingequipment,televisionorradioaerials,aerialfittingsormasts.
-
16. SubsidenceorheaveofthesiteonwhichtheBuildingsstandorlandslip.
16. Lossordamagecausedbyorresultingfromcoastalorrivererosion.
17. AccidentalDamage 17. Damage:i) causedbyorarisingfrom:
a. frost,damp,corrosion,rust,wetordryrot,fungus,insects,vermin,woodworm,domesticpets,wearandtear,oranygraduallyoperatingcause,
b. deliberateactsbyYouortheFamily,c. thecostofmaintenanceandnormal
redecorationorrepairworkorreplacingelectricalormechanicalequipmentfollowingitsbreakdownormisuse,
d. faultyworkmanship,defectivedesignortheuseofdefectivematerials,
e. anyprocessofcleaning,dyeing,repair,renovationoralteration.
ii) occurringwhiletheHomeisUnfurnishedorUnoccupied,
iii) occurringwhiletheHomeoranypartofitislent,letorsub-let,
iv) causedbyorarisingfromInsuredPerils1to16inclusiveaboveorinsuredbyExtensionsC,D,E,ForHtothisSection,
v) specificallyexcludedunderInsuredPerils1to16inclusiveaboveorExtensionsC,D,E,ForHtothisSection
vi) toclothingorcontactlensesvii) todomesticpetsorlivestock.
18
EXTENSIONSAPPLYINGTOSECTION2–CONTENTSYouarealsoinsuredforthefollowing:
EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusions)
AContentsintheOpen
WewillpayforYourContentsiftheyarelostordamagedbyanyoftheInsuredPerils1to10and12to16ofthisSectionwhiletheyareintheopenwithintheboundariesofthelandoftheHome.ThemostWewillpayunderthisExtensionis£500intotalforeachClaim.
i) LossofordamagetoMoney.ii) Lossordamageduringthe
courseofapermanentremovaltoorfromtheHomeotherthanwhilstintheprocessofloadingontoorunloadingfromavehicle.
iii) Lossordamagecausedbystormorflood.
iv) LossordamagespecificallyexcludedunderInsuredPerils1to10and12to16inthisSection.
v) LossordamageoccurringwhiletheHomeisUnoccupied.
vi) TheamountoftheExcess.
BContentsTemporarilyRemoved
WewillpayforYourContentsif,whilsttheyaretemporarilyremovedfromtheHometoanywherewithintheUnitedKingdom,theyarelostordamagedbyanyofInsuredPerils1to6or8to16ofthisSection.InadditionWewillpayforlossofordamagetoYourContentscausedbyorarisingfromtheftorattemptedtheftwhiletheyarein:i) anybankorsafedepositorinthe
courseofremovaltoorfromanybankorsafedepositbyYouoramemberoftheFamily,
ii) anoccupiedprivatehouseorflat,iii) anybuildingwhereYouora
memberoftheFamilyareemployedorengagedinbusiness,
iv) anyotherbuildingprovidedforcibleandviolentmeansofentryorexitareused.ThemostWewillpayunderthisExtensionis£5,000anyoneClaim.
i) LossordamagetoContents:a) removedforsaleor
exhibitionorinafurnituredepository,
b) intheopencausedbyorarisingfromstormorflood,
c) removedfromtheHomeandbelongingtoortheresponsibilityofanystudentmemberoftheFamilywhoislivingawayfromtheHome,
ii) TheftofMoneyfromanybuildingwhereYouoramemberoftheFamilyareemployedorengagedinbusiness.
iii) TheamountoftheExcess.
19
EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusions)
C
MirrorsandGlass
Wewillpayforlossofordamagetomirrors,glasstops,fixedglassinfurnitureandceramichobsinfreestandingappliancesfollowingAccidentalDamage.ThemostWewillpayunderthisExtensionshallnotexceedtheSumInsuredonContents.
i) LossordamagewhiletheHomeisUnoccupied.
ii) TheamountoftheExcess.
DHomeEntertainmentandComputerEquipment
Wewillpayforlossofordamagetotelevisionandaudioequipment,videoplayersandrecorders,computerequipment(usedsolelyfordomesticpurposes)whenintheHome,andtelevisionaerialsandsatellitetelevisionreceivingaerialsandequipmentcausedbyAccidentalDamagethatYouown,orforwhichYouoramemberoftheFamilyarelegallyresponsible.ThemostWewillpayunderthisExtensionshallnotexceedtheSumInsuredonContents.
i) Mechanicalorelectricalfailure,wearandtear.
ii) Anyprocessofmaintenance,repair,erection,dismantling,constructionorcleaning.
iii) Damagetorecords,discs,tapes,cassettes,cartridgesorcomputersoftware.
iv) Lossordamagecausedbydomesticpets,verminorinsects.
v) LossordamagewhiletheHomeislent,letorsub-letorUnoccupied.
vi) LossarisingfromremovalbytheownerwithorwithoutYourconsent.
vii) LossordamagecausedbyorarisingfromInsuredPerils1to16inthisSection.
viii) LossordamagespecificallyexcludedunderInsuredPerils1to16inthisSection.
ix) TheamountoftheExcess.
E
StolenKeys
Ifthekeystothelocksofexternaldoorsofthelivingaccommodationarestolen,Wewillpaythecostofreplacingtheexternallocksandtheirkeysuptoamaximumamountof£300eachClaim.ThemostWewillpayunderthisExtensionandExtensionGofSection1is£300intotaleachClaim.
i) Anyadditionalcostsincurredinfittingnewlockswhicharebetterinquality,specificationorstylethanthosebeingreplaced.
20
EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusions)
FAlternativeAccommodationand/orLossofRent
WhiletheHomeremainsuninhabitableasaresultoflossordamageinsuredunderthisSectionWewillpayfor:i) thecostofreasonablealternative
accommodationifthisisnecessaryforYou,theFamily,YourdomesticpetsandYourresidentdomesticemployees,
ii) rentwhichyoustillhavetopay.ThemostWewillpayunderthisExtensionshallnotexceed20%oftheSumInsuredonContents.
i) CostsincurredorrentpayablewithoutOurpriorconsent.
GOilandWater
Wewillpayforlossof:i) oilfromadomesticheating
installation,ii) meteredwater,resultingfromaneventconstitutingavalidClaimarisingfromInsuredPerils1to17inthisSection.ThemostWewillpayunderthisExtensionis£1,000eachClaim.
i) Lossofoilorwatercausedbygradualleakageorevaporation.
ii) LossordamagewhilsttheHomeisUnfurnishedorUnoccupied.
HRefrigeratedandFrozenFood
WewillpayforthecostofreplacingfoodinYourdomesticrefrigeratorsorfreezersintheHomespoiledordamagedasaresultof:i) accidentalbreakdownofthe
refrigerationorfreezerunit,ii) escapefromtheunitof
refrigerantand/orrefrigerantfumes,
iii) accidentalfailureoftheelectricityorgassupply.
ThemostWewillpayunderthisExtensionis£1,000eachClaim.
i) Lossordamage:a) causedbythedeliberate
actofthesupplyauthorityorcompanyorasaresultofanystrikeorwithdrawaloflabour,
b) causedbyadeliberateactofYouoramemberoftheFamilyorbyYourdomesticemployees,
c) lossordamageinvolvingarefrigerantorfreezerunitover15yearsold.
ii) TheamountoftheExcess.
IPramsandWheelchairs
WewillpayforlossofordamagetopramsandwheelchairsbelongingtoYouortoamemberoftheFamilyfollowingAccidentalDamageintheUnitedKingdomorduringOverseasTravel.ThemostWewillpayunderthisExtensionis£500eachClaim.
i) Mechanicalorelectricalfailure,wearandtear,depreciationorlossofuse.
ii) Theftofaccessoriesunlessstolenwiththepramorwheelchair.
iii) TheamountoftheExcess.
21
EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusions)
J
LiabilityasTenant
WewillpayallsumsforwhichYouarelegallyliableastenantandnotasowneroftheHomefor:i) damagetotheBuildingsby
InsuredPerils1to15ofSection1Buildings,
ii) AccidentalDamagetofixedglassincludingdoubleglazingformingpartoftheHomeandfixedsanitaryfittingsintheHome,
iii) AccidentalDamagetodraininspectioncoversandundergroundservicepipesorcablesforwhichYouarelegallyresponsibleprovidingservicestoorfromtheHome.
ThemostWewillpayunderthisExtensionis15%oftheSumInsuredonContentsinanyonePeriodofInsurance.
i) LossordamageoccurringwhiletheHomeisUnoccupied.
ii) LossordamagespecificallyexcludedunderInsuredPerils1to15inSection1Buildings.
iii) TheamountoftheExcess.
K
Occupier’sandPersonalLiabilities
WewillpayforallsumswhichYouoramemberoftheFamilyarelegallyliabletopayinrespectofaccidentsoccurringduringthePeriodofInsuranceresultingin:i) thedeathof,orbodilyinjuryto
anyperson,ii) lossofordamagetoproperty.
ThemostWewillpayunderthisExtensionforanyoneClaimis:a) £5,000,000otherthanfordeath
of,orinjuryto,Yourdomesticemployees,
b) £10,000,000inrespectofdeathof,orinjurytoYourdomesticemployeesfordeathorinjuryarisingdirectlyoutofandinthecourseoftheiremploymentwithYou.
Liability:
i) forthedeathof,orbodilyinjuryto,amemberoftheFamily,
ii) fordamagetopropertybelongingtoorunderthecontrolofYouoramemberoftheFamilyortoapersonemployedbyYouoramemberoftheFamily,
iii) arisingfromacontract,whetherwrittenornot,whichimposesaliabilitywhichYouoranymemberoftheFamilywouldnototherwisehavebeenunder,
iv) arisingoutofanybusinessorprofession,
v) arisingoutoftheownershipoftheBuildingsandtheirlandoranyotherlandorpremises,
22
EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusions)
K
Occupier’sandPersonalLiabilities(Continued)
WewillpayfordefencecostsandexpensesincurredwithOurwrittenconsentinadditiontotheamountof£5,000,000statedina)abovebutsuchcostsandexpensesshallbeincludedwithintheamountof£10,000,000statedinb)above.
IntheeventofYourdeathWewillindemnifyYourlegalpersonalrepresentativesunderthetermsofthisExtensioninrespectofliabilityincurredbyYouoramemberoftheFamily.
vi) arisingoutoftheoccupationoflandorpremisesotherthantheBuildingsandtheirlandattheaddressoftheHomeshownontheSchedule,
vii) arisingoutoftheuse,ownershiporpossessionofmobilityscooters,aircraft,hovercraft,watercraft,MotorVehiclesforwhichaCertificateofInsuranceisrequiredundertheRoadTrafficAct,caravansorlifts,animalsofadangerousspeciesandlivestockasdefinedintheAnimalsAct1971(otherthanhorsesusedforprivatehacking),
viii) arisingfromthetransmissionofanycommunicablediseaseorvirus.
L
JuryService
WewillpayYouoramemberoftheFamilyanamountnotexceeding£50perday,foraperiodnotexceeding20days,inrespectofirrecoverableearningsandexpensesarisingfromserviceasajuror.
-
M
TitleDeeds
WewillpayforthecostofpreparingnewtitledeedstotheBuildingsiftheyarelostordamagedbyanyoftheInsuredPerils1to16ofthisSectionwhenintheHomeorinabankorsafedeposit.ThemostWewillpayunderthisExtensionis£500eachClaim.
-
N
FatalInjury
IntheeventofthedeathofYouand/orYourspousewithin30daysofandasadirectresultofbodilyinjurycausedintheHomebyfireorthievesWewillpay£5,000tothelegalrepresentativesofYouorYourspouse.ThemostWewillpayunderthisExtensionis£10,000.
-
23
EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusions)
ODecemberandWeddingGiftsIncrease
TheSumInsuredonContentsisautomaticallyincreasedby10%:i) duringthemonthofDecember,ii) fortheperiodofonemonth
beforeandonemonthafterandduringthedayoftheweddingofYouoranymemberoftheFamilytoinsureweddinggiftsagainstlossordamagebyanyofInsuredPerils1to16ofthisSectionwhentheyarein:a) theHome,b) thebuildingwherethe
weddingreceptionisheld,c) thebrideandgroom’s
maritalresidence,d) transitbetweenanyofthe
locationsdescribedina),b)andc)above.
-
PHouseRemoval
WewillpayforlossofordamagetoYourContentscausedbyAccidentalDamagewhileinthecourseofremovalfromtheHometoanynewpermanenthomewithintheUnitedKingdomprovidedtheremovaliscarriedoutbyprofessionalremovalcontractors.ThemostWewillpayunderthisExtensionistheSumInsuredonContents.
i) LossofMoney.ii) Lossordamagetochina,glass,
earthenwareandotheritemsofabrittlenatureunlesspackedforremovalbyprofessionalpackers.
iii) Anyamountwhichistheliabilityofthecarrier.
iv) TheamountoftheExcess.
QContentsStoredinOutbuildings
WewillpayforlossofordamagetoYourContentswhicharestoredorkeptindetachedgarages,shedsoroutbuildingsattheHomecausedbyanyofInsuredPerils1to16ofthisSection.ThemostWewillpayunderthisExtensionis£1,000eachClaim.
i) LossofMoney.ii) LossofordamagetoContents
indetachedgarages,shedsoroutbuildingsbytheftnotinvolvingentryorexitbyforcibleandviolentmeans.
iii) LossordamagewhiletheHomeisUnfurnishedorUnoccupied.
iv) LossordamagetoContentsstoredorkeptingreenhousesoringarages,shedsoroutbuildingswhicharenotsituatedwithintheboundariesofthelandoftheHome.
v) TheamountoftheExcess.
24
SECTION3–PERSONALPOSSESSIONSThissectionisonlyavailableiftheHomeisusedasaPermanentResidenceandifYouhavechosenitasanoptionandoperatesonlyifYouhavepaidoragreedtopaythepremiumforthoseitemsforwhichSumsInsuredareshownontheSchedule.Pleasenote,areceiptorcopyvaluationnotmorethantwoyearsoldmayberequiredintheeventofaClaim.TheSumsInsuredstatedintheSchedulearenotIndex-Linked.BasisofClaimSettlement1. TheSumsInsuredshownontheSchedulemustbeadequateatthetimeofthelosstopayfor:
I. UnspecifiedItems–themaximumvalueofUnspecifiedItems,Valuablesandclothingthatmaybeatriskatanyonetime.
II. SpecifiedItems–thecurrentreplacementcostofeachspecifiedValuableorotherspecifieditem.
III. PedalCycles–thecurrentreplacementcostofeachpedalcycleanditsaccessorieslessanallowancefordepreciation,wearandtear.
2. ForExtensions1,2,3and5iftheSumsInsuredrepresentthemaximumvaluesorcurrentreplacementcostsasdescribedin1(I,II,IIIandIV)abovethemostWewillpaywillbe:I. UnspecifiedItems–thecostofrepairingorreplacingtheinsuredpropertyinthesame
formandstyle.HoweverforitemsofclothingandhouseholdlinenWewillmakeadeductionfordepreciation,wearandtear.
II. SpecifiedItems–theSumInsuredforeachitemshownintheSchedule.III. PedalCycles–theSumInsuredforeachitemshownintheSchedule.
3. ForExtensions1,2,3and5iftheSumsInsureddonotrepresentthemaximumvaluesorcurrentreplacementcostsasdescribedin1.(I,II,IIIandIV)aboveanyClaimPaymentwillbereducedbytheproportionwhichtheSumsInsuredbearstotheactualamountatriskorcurrentreplacementcosts(less,ifapplicable,anallowancefordepreciation,wearandtear).
4. ForExtension4themostWewillpaywillbethecostofthevalueoftheMoneylostorlossduetotheunauthoriseduseofaCreditCard.
5. Wewillnotpaythecostofreplacinganyundamageditemorpartofanitemsolelybecauseitformspartofaset,suiteoroneofanumberofitemsofasimilarnature,colourordesignwhenlossordamageoccurswithinaclearlydefinedareaortoaspecificpartandreplacementscannotbematched.
6. WehavetheoptionfollowingaClaimtomakepaymentincashoreffectnecessaryrepair,replacementorreinstatement.
7. Excess–Youmustpaythefirst£25ofeachandeveryClaimarisingunderthissection.
25
EXCLUSIONSAPPLYINGTOSECTION3–PERSONALPOSSESSIONSWewillnotpayfor:i) mechanicalorelectricalfailureorbreakdown,ii) lossordamagearisingfromconfiscation,detentionorseizure,depreciationanddeterioration
fromnormaluseorwearandtear,moth,insects,vermin,domesticpets,damp,rust,wetordryrotormildew,obsolescence,infestation,theactionoflightoratmosphericconditionoranygraduallyoperatingcause,
iii) lossordamageduetoanyprocessofcleaning,dyeing,repair,renovationorrestoration,iv) itemsusedorheldforbusinessorprofessionalpurposes,v) anylosswhichhappensasanindirectresultofaneventforwhichyouareinsured,vi) theftfromunattendedMotorVehiclesunlessfromaclosedglovecompartment,locked
luggagebootorlockedluggagecompartmentfollowingforcibleandviolententrytoavehiclewhichhasbeenlockedandallwindowsandsunroofsclosed,
vii) lossofordamagetoMusicalInstrumentscausedbychangesinatmosphericconditionsorarisingthroughbreakageofstrings,reeds,drumheadsorthelikeorelectricalormechanicalfailure,breakdownorderangement,
viii) lossordamagearisingoutsidetheUnitedKingdomexceptinthecircumstancesofOverseasTravel,
ix) theamountoftheExcess.
26
EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusionsandExclusionsApplyingtoSection3)
1. SportsEquipment
WewillpayforthecostofreplacingYoursportsequipmentandclothingifitisaccidentallylost,destroyed,damagedorstolen.ThemostWewillpayunderthisExtensionforanyoneClaimshallnotexceed:i) theSumInsuredshownonthe
Schedule,ii) themostWewillpayunderthis
ExtensionforanyoneClaimis£3,500.
i) MotorVehicles,mobilityscooters,watercraft,caravans,trailers,hovercraft,aircraft,gliders,pedalcycles,parachutes,campingequipmentorlivingcreatures.
ii) Lossofordamagetosportsequipmentwhileinuse.
iii) TheamountoftheExcess.
2. UnspecifiedItems
WewillpayforthecostofreplacingorrepairingYourUnspecifiedItemsiftheyareaccidentallylost,destroyed,damagedorstolen.ThemostWewillpayunderthisExtensionforanyoneClaimis:
i) £1,000foranyonearticle,ii) theSumInsuredshowninthe
ScheduleforthisExtension.
i) Lossofordamagetomobilephones,laptopcomputers,videocamerasandcamcorders,contactorcorneallenses,hearingaids,MusicalInstruments,sportsequipmentorvehicles,mobilityscooters,pedalcycles,MoneyandCreditCards,deeds,securitiesanddocuments,gunsorfirearms,livingcreatures,livestockandpets.
ii) PropertymorespecificallyinsuredeitherelsewhereinthisPolicyoronanyotherpolicyofinsurance.
iii) TheamountoftheExcess.
3. SpecifiedItems
WewillpayforthecostofreplacingorrepairingtheitemsspecifiedintheScheduleiftheyareaccidentallylost,destroyed,damagedorstolen.ThemostWewillpayunderthisExtensionforanyoneClaimforanyitemistheSumInsuredshownontheScheduleforthatitem.
i) TheamountoftheExcess.
27
EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusionsandExclusionsApplyingtoSection3)
4. PersonalMoneyandCreditCards
WewillpayforlossofMoney.ThemostWewillpayunderthisExtensionforanyoneClaimforlossofMoneyis£500.WewillpayforlossduetounauthoriseduseofCreditCards.ThemostWewillpayforanyoneClaimforlossduetounauthoriseduseofCreditCardsis£500.
1. LossofMoney:a) heldforbusinesspurposes,b) whichdoesnotbelongto
YouortheFamilyorforwhichYouortheFamilyarenotlegallyresponsible,
c) notreportedtothePolicewithin24hoursafterthediscoveryoftheloss,
d) arisingfromdepreciationorconfiscationorshortagesduetoerrorsoromissions.
2. LossduetounauthoriseduseofCreditCards:a) resultingfromalostCredit
CardwhichhasnotbeenreportedtothePoliceandissuingauthoritywithin24hoursafterthediscoveryoftheloss,
b) followingabreachofthetermsandconditionsoftheissuingauthority,
c) followingfraudulentusebyanypersonrelatedtoYou,
d) heldbyYouortheFamilyforbusinesspurposes,
e) TheamountoftheExcess.5. Pedal
CyclesWewillpayforthecostofreplacingorrepairingyourpedalcyclesiftheyareaccidentallylost,destroyed,damagedorstolen.ThemostWewillpayunderthisExtensionforanyoneClaimshallnotexceed£2,500foreachpedalcycle.
i) TheftofanypedalcycleleftbothunlockedandunattendedawayfromtheHome.
ii) Pedalcyclesownedorusedwhollyorpartlyforbusinesspurposes.
iii) Theftofaccessoriesunlessthepedalcycleisstolenatthesametime.
iv) Lossofordamagetoapedalcyclewhileitisbeingusedforracing,pace-makingortrials.
v) Damagetotyresunlessthepedalcycleisdamagedatthesametime.
vi) Lossofordamagetomotorisedorpower-assistedcycles.
vii) TheamountoftheExcess.
28
PERMANENTRESIDENCEEXCLUSIONSANDCONDITIONSINTHEEVENTOFUNOCCUPANCYORTHEHOMEBEINGUNFURNISHED
WhentheHomeisaPermanentResidenceandwillbetemporarilyUnoccupiedforlongerthan60consecutivedaysorisUnfurnishedthefollowingwillapply:
SECTION1BUILDINGSandSECTION2CONTENTSWhiletheHomeisUnoccupiedorUnfurnishedthefollowingconditionsapply:1. You,orapersonauthorisedbyYou,mustinspecttheHomeinternallyatleastonceaweek.2. Alllocksandboltsforsecuringexternaldoors,windowsandfanlightswhichareaccessible
withouttheuseofaladderorfromdrainpipesmustbeputintofullandeffectiveoperationandthekeyswithdrawnfromthelocksandboltswhenevertheHomeisleftunattended.
3. ThereisnocoverunderPeril10(Escapeofwateroroil)ofboththeBuildingsandContentssectionsduringtheperiod1stNovemberto31stMarchunlesseitherthewatersupplyisturnedoffatthemainandallwatersystemsdrainedorthecentralheatingsystemisleftinfulloperation24hoursadaytomaintainaminimumtemperatureof10oC/50oFthroughouttheHome.
4. ThereisnoinsuranceforValuablesunderPeril7(Theftorattemptedtheft)oftheContentssection.
5. TheexclusionofPerils7(Theft),9(Vandalsandmaliciousdamage)and10(Escapeofwateroroil)underboththeBuildingsandContentssectionsandExtensionA(Glass,sanitaryfixturesandfixedhobs)underBuildingsandExtensionC(Mirrorsandglass)underContentswhentheHomeisUnoccupiedorUnfurnishedshallnotapply.
PleasenotethatifaPermanentResidenceisgoingtobeUnoccupiedforaperiodofnolongerthan90days,pleaseinformCoast,whomaybeabletoextendtheUnoccupancyPeriod.Alloftheconditionsabovewouldstillapplyandanextrachargemaybelevied.
FailuretocomplywiththeconditionscouldhavetheeffectoflimitingYourcoverunderthispolicyifsuchfailurehasincreasedtheriskortheextentofalossoccurringunderthispolicy.
29
WhentheHomeisaPermanentResidenceandwillbeUnoccupiedforlongerthan60consecutivedaysthecoverwillberestrictedto:
SECTION1BUILDINGSStandardCover 1. Fire.
2. Explosion.3. Smoke4. Lightningandthunderbolt.5. Earthquake.6. Subterraneanfire.8. Riot,civilcommotion,strikes,labourandpoliticaldisturbances.11. Stormorflood.12. Fallingtreesorbranches.13. ImpactwiththeBuildingsbyanyvehicle,animalorbyarticlesdropped
orfallingfromthem.14. ImpactwiththeBuildingsbyanyaircraftorbyarticlesdroppedorfalling
fromthem.15. Breakageorcollapseofsatellitetelevisionreceivingequipment,
televisionorradioaerials,aerialfittingsormasts.16. SubsidenceorheaveofthesiteonwhichtheBuildingsstandorlandslip.
ExtendedCover E ContractingBuyer.F PropertyOwner’sliability.
SECTION2CONTENTSStandardCover 1. Fire.
2. Explosion.3. Smoke4. Lightningandthunderbolt.5. Earthquake.6. Subterraneanfire.8. Riot,civilcommotion,strikes,labourandpoliticaldisturbances.11. Stormorflood.12. Fallingtreesorbranches.13. ImpactwiththeBuildingsbyanyvehicle,animalorbyarticlesdropped
orfallingfromthem.14. ImpactwiththeBuildingsbyanyaircraftorbyarticlesdroppedorfalling
fromthem.15. Breakageorcollapseofsatellitetelevisionreceivingequipment,
televisionorradioaerials,aerialfittingsormasts.
ExtendedCover K Occupier’sandPersonalliabilities.
30
HOLIDAYHOMEEXCLUSIONSANDCONDITIONSIfyouareusingtheHomeasaHolidayHome,thefollowingexclusionsandconditionsapply:HolidayLettingExclusions: SECTION1BUILDINGSStandardCover 8. Vandalismandactsofmaliciouspersons.ExtendedCover 11. Accidentaldamage.SECTION2CONTENTSStandardCover 6. Theftorattemptedtheft,unlessentryorexitisobtainedbyforcible
andviolentmeans.9. Vandalismandactsofmaliciouspersons.
ExtendedCover 17. Accidentaldamage.Extensions:
Section2–Contents D Lossofordamagetohomeentertainmentandcomputerequipment.HolidayHomeUnfurnished/UnoccupancyConditions:SECTION1BUILDINGSandSECTION2CONTENTS1. You,orapersonauthorisedbyYou,mustinspecttheHomeinternallyatleastonceaweek.2. Alllocksandboltsforsecuringexternaldoors,windowsandfanlightswhichareaccessible
fromadjoiningroofs,porches,walls,downpipes,balconiesorexternalstairsmustbeputintofullandeffectiveoperationandallkeysmustberemovedfromthelocksorboltsandhiddenfromview.
3. ThereisnocoverunderPeril10(Escapeofwateroroil)ofboththeBuildingsandContentssectionsduringtheperiod1stNovemberto31stMarchunlessthewatersupplyisturnedoffatthemainandallwatersystemsdrainedorthecentralheatingsystemisleftinfulloperation24hoursadaytomaintainaminimumtemperatureof10oC/50oFthroughouttheHome.
4. ThereisnoinsuranceforValuablesunderPeril7(Theftorattemptedtheft)oftheContentssection.
5. TheOccupier’sandPersonalLiabilitiescoverundertheContentssectionExtensionKisrestrictedtoaccidentsoccurringwithintheboundariesoftheHome.
TheexclusionofPerils7(Theft),9(Vandalsandmaliciousdamage)and10(Escapeofwateroroil)underboththeBuildingsandContentssectionsandExtensionA(Glass,sanitaryfixturesandfixedhobs)underBuildingsandExtensionC(Mirrorsandglass)underContentswhentheHomeisUnoccupiedorUnfurnishedshallnotapply.
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GENERALEXCLUSIONSAPPLICABLETOYOURPARKHOME,CONTENTSANDPERSONALPOSSESSIONSSECTIONSThispolicydoesnotcover:
1. WarAnyconsequencewhatsoeverwhichisthedirectorindirectresultofanyofthefollowing,oranythingconnectedwithanyofthefollowing,whetherornotsuchconsequencehasbeencontributedtobyanyothercauseorevent:war,invasion,actofforeignenemy,hostilitiesorawarlikeoperationoroperations(whetherwarbedeclaredornot),civilwar,mutiny,rebellion,revolution,militaryrising,insurrection,civilcommotionassumingtheproportionsoforamountingtoanuprising,militaryorusurpedpower.
2. TerrorismAnyconsequencewhatsoeverwhichisdirectlyorindirectlycausedbynuclearand/orchemicaland/orbiologicaland/orradiologicalmeans,oranythingconnectedwiththosemeans,andwhichisthedirectorindirectresultofTerrorism,oranythingconnectedwithTerrorism,whetherornotsuchconsequencehasbeencontributedtobyanyothercauseorevent.Terrorismisdefinedasanyactoractsincluding,butnotlimitedto:a. theuseorthreatofforceand/or
violenceand/orb. harmordamagetolifeorto
property(orthethreatofsuchharmordamage)including,butnotlimitedto,harmordamagebynuclearand/or
c. chemicaland/orbiologicaland/ord. radiologicalmeans
causedoroccasionedbyanyperson(s)orgroup(s)ofpersonsinwholeorinpartforpolitical,religious,ideologicalorsimilarpurposesincluding,butnotlimitedto,theintentiontoinfluenceanygovernmentand/ortoputthepublicoranysectionofthepublicinfear,orisclaimedtobecausedoroccasionedinwholeorinpartforsuchpurposes.
3. OtherActionsAnyconsequencewhatsoeverwhichisthedirectorindirectresultofanyofthefollowing,oranythingconnectedwithanyofthefollowing,whetherornotsuchconsequencehasbeencontributedtobyanyothercauseorevent:anyactiontakenincontrolling,preventing,suppressingorinanywayrelatingto1)Waror2)Terrorismabove.
4. RadioactivityLoss,damageorliabilitywhichinvolves:a. ionisingradiationorradioactive
contaminationfromnuclearfuelornuclearwaste;
b. theradioactive,toxic,explosiveorotherdangerouspropertiesofexplosivenuclearequipment.
5. SonicBangsLossofordamagetopropertycausedbypressurewavesfromaircrafttravellingatorabovethespeedofsound.
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6. PollutionorContaminationLoss,damageorliabilityarisingfrompollutionorcontaminationunlesscausedby:a. asuddenandunexpectedaccident
whichcanbeidentified;b. oilleakingfromadomesticoil
installationattheHome
7. DeliberateCriminalActsAnylossordamagea. deliberatelycausedby;orb. arisingfromacriminalact
committedbyyou,orbyanyotherpersonlivingwithyou.
8. EventsbeforethecoverstartdateLoss,damage,injuryorliabilitywhichoccurredbeforethecoverunderthispolicystarted
.
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GENERALCONDITIONSAPPLICABLETOYOURPARKHOME,CONTENTS&PERSONALPOSSESSIONSSECTIONS1. YoumustdoallYoucantoprevent
andreduceanycosts,damage,injuryorloss.
2. YoumusttellCoastaboutanyloss,damageorliabilityassoonaspossibleandprovidealltherelevantinformationandhelpthatisneededtodealwithYourClaim.YoumustavoiddiscussingliabilitywithanyoneelsewithoutOurpermission.
3. ItisYourresponsibilitytoproveanylossandthereforeYoumaybeaskedtoprovidereceipts,valuations,photographs,instructionbookletsandguaranteecardsandanyotherrelevantinformation,documentsandassistancerequiredtohelpwithYourClaim.
4. CoastwilldecidehowtosettleordefendaClaimandmaycarryoutproceedingsinthenameofanypersoncoveredbyYourpolicy,includingproceedingsforrecoveringanyClaim.
5. Youmustreportanyloss,theft,attemptedtheftormaliciousdamagetothePoliceandobtainacrimereferencenumberwithin7daysofdiscoveryoftheincident.FailuretocomplywiththismayaffectOurabilitytoprocessYourClaim.
6. IfYourClaimisinanywaydishonestorexaggeratedWewillnotpayanybenefitunderthispolicyorreturnanypremiumtoYouandWemaycancelYourpolicyimmediatelyandbackdatethecancellationtothedateofthefraudulentClaim.WemayalsotakelegalactionagainstYou.
7. IfanyClaimiscoveredbyanyotherinsurance,WewillnotpayformorethanOurshareofthatClaim.
8. Youmusttakereasonablecareto
providecompleteandaccurateanswerstothequestionsCoastasks.
9. IfanyoftheinformationprovidedbyYouchangesafterYoupurchaseYourpolicyandduringthePeriodofInsurance,oronYourScheduleatrenewal,orbecomesuntrueorincorrect,pleaseprovideCoastwithupdateddetails.
10. IfanyoftheinformationprovidedbyYouisnotcompleteandaccurate:a) We/CoastmaycancelYour
policyandrefusetopayanyClaim,or
b) We/CoastmaynotpayanyClaiminfull,or
c) We/Coastmayrevisethepremiumand/orchangeanyExcess,or
d) theextentofthecovermaybeaffected.
Thechanges,ifacceptedbyUswillapplyfromthedateindicatedonYourupdatedSchedule.Inthiscase,WewillbeentitledtovarythepremiumandtermsfortherestofthePeriodofInsurance.
11. CoastrecommendthatYoukeeparecord(includingcopiesofletters)ofallinformationprovidedtoUs/CoastforYourfuturereference.
12. IfYouarepayingthepremiumusingamonthlycreditfacility,Youmustmaketheregularmonthlypaymentsasrequiredinthecreditagreement.Ifthecreditagreementisterminatedfornon-payment,WemaycancelthisinsuranceassetoutinGeneralCondition17.
34
13. CoastwillcontactYouinwritingatleast21daysbeforeYourrenewaldateandwilleither:
a) giveYouanopportunitytorenewYourinsuranceforafurtheryearand:
i. tellYouaboutanychangesWearemakingtothetermsandconditionsofYourpolicy;
ii. reviewYourcircumstancesandconsiderwhetherthisinsurancecontinuestomeetYourneeds;
iii. checkthattheinformationYouhaveprovidedUsisstillcorrect,andprovidetheopportunityforYoutotellUsifanythinghaschanged
iv. tellYouthepriceforthenextyear
IfYouwishtomakeanychangesatrenewal,pleasecontactCoast.
ORb) letYouknowthatWeareunable
torenewYourinsurance.Reasonswhythismayhappeninclude,butarenotlimitedto,thefollowing:
i. whentheproductisnolongeravailable;or
ii. whenWearenolongerpreparedtoofferYouinsuranceforreasonssuchas:
• Wereasonablysuspectfraud,• YourClaimshistory,• WehavechangedOur
acceptancecriteria,• Youarenolongereligiblefor
cover,and/or
• whereYouhavenottakenreasonablecaretoprovidecompleteandaccurateanswerstothequestionsasked.Seethe“ImportantNotice–InformationYouHaveGivenUs”sectionwithinthisdocument.GeneralCondition10.
WhereWehaveofferedYourenewaltermsandYouselectorhaveselectedtopaybydirectdebit,YouwillbenotifiedbeforeYourrenewaldatethatthepolicywillautomaticallyberenewedandtherenewalpremiumwillagainbecollectedfromYourspecifiedbankaccount.CoastwillnotautomaticallyrenewYourpolicyif:• Youhavecontactedthemto
cancelYourdirectdebitarrangementssinceYoupurchasedthepolicyorYourlastrenewal;or
• theycannolongerofferYoutheirdirectdebitfacilityif,forexample,Youhaveapoorpaymenthistoryoradversecredithistory.
IfeitheroftheabovehappensCoastwilladviseYouofthisinYourrenewalletterandYouwillneedtocontactCoasttomakepaymentbeforethepolicycanberenewed.
14. Acoolingoffperiod(14daysfromtherenewalofthecontractorthedateonwhichYoureceiveYourrenewaldocumentation,whicheveristhelater)applies.Pleaseread“Yourcancellationrights”inthispolicybooklet.
35
15. Wemayvarythetermsofthepolicy(includingthepremium)atrenewal.IfYoudecidethatYoudonotwantUstorenewthepolicy,aslongasYoutellCoastbeforethenextrenewaldate,Wewillnotrenewit.OurrighttorenewthispolicydoesnotaffectYourcancellationrightsshownonthefirstpageofthispolicybooklet.
16. FollowingtheexpiryofYour14daystatutorycooling-offperiod,YoucontinuetohavetherighttocancelYourpolicyatanytimeduringitsterm.IfYoudoso,YouwillbeentitledtoarefundifnoclaimhasbeenmadeduringthePeriodofInsuranceofthepremiumpaidinrespectofthecancelledcover,lessaproportionatedeductionforthetimeWehaveprovidedcover.Amid-termcancellationfeewillapply.ToexerciseYourrighttocancel,pleasecontact:Coast,HelixHouse,HighStreet,Wadhurst,EastSussex,TN56AA.Telephone:0800614849oremail:[email protected].
17. We(oranyagentWeappointandwhoactswithOurspecificauthority)maycancelthispolicywherethereisavalidreasonfordoingso,bysendingatleast7days’writtennoticetoYourlastknownpostand/oremailaddresssettingoutthereasonforcancellation.Validreasonsincludebutarenotlimitedtothefollowing:• Non-paymentofpremium
(includingnon-paymentofinstalmentsunderacreditfacility).Ifpremiumsorinstalmentpayment(s)arenotpaidwhendue,CoastwillwritetoYourequestingpaymentbyaspecificdate.Iftheyreceivepaymentbythedatesetoutintheletternofurtheractionwillbetaken.Iftheydonotreceive
paymentbythisdatethepolicywillbecancelledfromthecancellationdateshownontheletter.
• WhereWereasonablysuspectfraud.
• WhereYoufailtoco-operatewithUsorCoastorprovideinformationordocumentationreasonablyrequired,andthisaffectsOurabilitytoprocessaClaimordefendOurinterests.SeeGeneralCondition8inthispolicybooklet.
• WhereYouhavenottakenreasonablecaretoprovidecompleteandaccurateanswerstothequestionsasked.SeeGeneralCondition10.
IfWecancelthepolicyunderthissection,Youwillbeentitledtoarefundofthepremiumpaidinrespectofthecancelledcover,lessaproportionatedeductionforthetimeWehaveprovidedsuchcoverandamid-termcancellationfee.Norefundwillbepayableifthereasonforcancellationisfraudand/orWearelegallyentitledtokeepthepremiumundertheConsumerInsurance(DisclosureandRepresentations)Act2012.Whereinvestigationsprovideevidenceoffraudoraseriousnon-disclosureWemaycancelthepolicyimmediatelyandbackdatethecancellationtothedateofthefraudorwhenYouprovidedUswithincompleteorinaccurateinformation,whichmayresultinYourpolicybeingcancelledfromthedateYouoriginallytookitout.
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HOWTOMAKEACLAIM(BUILDINGS,CONTENTS&PERSONALPOSSESSIONSSECTION)ToreportaClaim,pleasetelephoneCoaston01892786099.Linesareopen24hoursaday,7daysaweek.TheywilltakefulldetailsofYourClaimoverthetelephone.PleasehaveYourindividualreferencenumberavailable.OnceYourClaimhasbeensetup,pleaseforwardanyestimates,invoices,valuations,orothersupportingdocumentationtoCoastassoonaspossible.Theiraddressis:HelixHouseHighStreetWadhurstEastSussexTN56AAPleasequoteYourindividualreferencenumberonallcorrespondence.
37
FAMILYLEGALSOLUTIONSThissectionisadministeredbyARAGplcunderabindingauthorityagreementwithBritSyndicate2987atLloyd’s(BSL)(writtenunderuniquemarketreferenceB0356KA233D12A000orreplacementthereof).BSL’sliabilityisseveralanditisliableforitsproportionofliabilityinrespectofthissectiononlyandhasnoliabilityforanyotherinsurers’proportion.ARAGplcisauthorisedandregulatedbytheFinancialConductAuthority(firmreferencenumber452369)andisauthorisedtoadministerthissectiononbehalfofBSL.BSLismanagedbyBritSyndicatesLimitedwhichisauthorisedbythePrudentialRegulationAuthorityandregulatedbytheFinancialConductAuthority,registrationnumber204930.ThiscanbecheckedbyvisitingtheFCAwebsiteatwww.fca.org.uk.PleasereadthisPolicycarefullytofamiliariseyourselfwiththetermsandconditions,aswellasthe:• Legalandtaxadvicehelplinedetails
and• Theclaimreportingproceduresforthis
section
IfYouareunsureaboutanythinginthisdocumentpleasecontacttheadministrators:CoastHelixHouseHighStreetWadhurstEastSussexTN56AAYoucantelephoneon0800614849
DefinitionsCertainwordshavespecificmeaningswhentheyappearinthispolicy.Thesemeaningsareshownbeloworinthesectionwheretheyapply.Theyareprintedinboldtype.AppointedAdvisorThesolicitor,accountant,orotheradvisorappointedbyUstoactonbehalfoftheInsured.ConditionalFeeAgreementAlegallyenforceableagreementbetweentheInsuredandtheAppointedAdvisorforpayingtheirprofessionalfeesonthebasisof“no-winno-fee”.
CollectiveConditionalFeeAgreementAlegallyenforceableagreemententeredintoonacommonbasisbetweentheAppointedAdvisorandUstopaytheirprofessionalfeesonthebasisof“no-winno-fee”.
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CommunicationCostsThereasonablecostofUKphonecalls,postage(includingspecialdelivery)photocopyingorfaxesandcreditreportswheretheInsuredhastakenadvicefromOurIdentityTheftAdviceandResolutionServiceandisadvisedtocorrespondwithcreditagencies,banks,creditcardcompanies,financialserviceprovidersorotherpartiesinordertorepairtheircreditrating,restoretheiridentityorresolveadisputethathasarisenfromtheuseofpersonalinformationwithoutpermissiontocommitfraudorothercrimes.Home–YourParkHome,asdeclaredinYourproposalforinsurance.Insured–You,YourpartnerandimmediatefamilypermanentlylivingwithYouintheUK.(TheInsurerwillcoverYourchildrentemporarilyawayfromhomeforthepurposesofhighereducation.)Insurer–BritSyndicate2987atLloyd’s(writtenunderuniquemarketreferenceB0356KA233D12A000orreplacementthereof).LegalCostsandExpensesReasonablelegalcostsanddisbursementsreasonablyandproportionatelyincurredbytheAppointedAdvisoronthestandardbasisandagreedinadvancebyUs.Theterm“standardbasis”canbefoundwithintheCourts’CivilProcedureRulesPart44.Reasonableexperts’reports,reasonablyandproperlyincurredbytheAppointedAdvisor.Incivilclaims,otherside’scosts,feesanddisbursementswheretheInsuredhasbeenorderedtopaythemorpaysthemwithOuragreement.
ReasonableaccountancyfeesreasonablyincurredunderINSUREDEVENT6TAXbytheAppointedAdvisorandagreedbyUsinadvance.TheInsured’sCommunicationCosts.LimitofIndemnity–£50,000whichisthemaximumLegalCostsandExpensespayablebytheInsurerinrespectofallclaimsrelatedbytimeororiginalcause.PeriodofInsurance–TheperiodasshownintheScheduletowhichthisPolicyattaches.ReasonableProspectsofSuccessOtherthanassetoutin2.and3.below,agreaterthan50%chanceoftheInsuredsuccessfullypursuingordefendingtheclaimand,iftheInsuredisseekingdamagesorcompensation,agreaterthan50%chanceofenforcinganyjudgmentthatmightbeobtained.IncriminalprosecutionclaimswheretheInsuredpleadsguilty,agreaterthan50%chanceofsuccessfullyreducinganysentenceorfineorpleadsnotguilty,agreaterthan50%chanceofthatpleabeingacceptedbythecourt.Inallclaimsinvolvinganappeal,agreaterthan50%chanceoftheInsuredbeingsuccessful.ResidentialPropertyTribunalAResidentialPropertyTribunalasdefinedbySection2oftheMobileHomesAct1983(JurisdictionofResidentialPropertyTribunals)(England)Order2011.
39
SmallClaimsCourt–AcourtinEnglandandWalesthathearsaclaimfallingunderthesmallclaimstrackintheCountyCourtasdefinedbySection26.6(1)oftheCivilProcedureRules1999;acourtinScotlandthatusesthesmallclaimsprocedureassetoutbytheActofSederunt(SmallClaims)Rules2002,acourtinNorthernIrelandwherethesumindisputeislessthan£3,000ortheequivalentjurisdictionintheChannelIslandsandIsleofManwherethepolicyapplies.TerritorialLimits–ForINSUREDEVENTS2CONTRACTand4PERSONALINJURYtheUnitedKingdom,ChannelIslands,IsleofMan,countriesintheEuropeanUnion,NorwayandSwitzerland.ForallotherINSUREDEVENTS,theUnitedKingdom,ChannelIslandsandIsleofMan.We/Us/Our–ARAGplcwhoisauthorisedunderabindingauthorityagreementonbehalfoftheInsurer,BritSyndicate2987atLloyd’s.You/Your–Theperson(s)namedintheScheduletowhichthispolicyattaches.
YOURPOLICYCOVERFollowinganEventtheInsurerwillpaytheInsured’sLegalCostsandExpensesandCommunicationCostsupto£50,000,forallclaimsrelatedbytimeorcause,includingthecostofappealsprovidedthat:1. Youhavepaidtheinsurancepremium2. theInsuredkeepstothetermsofthis
policyandco-operatesfullywithUs3. theEventoccurswithintheTerritorial
Limit4. theclaim:
• alwayshasReasonableProspectsofSuccess
• isreportedtoUs• isduringthePeriodofInsurance• isreportedtoUsassoonasthe
Insuredfirstbecomesawareofcircumstanceswhichcouldgiverisetoaclaim
5. unlessthereisaconflictofinteresttheInsuredalwaysagreestousetheAppointedAdvisorchosenbyUsinanyclaima. tobeheardbytheSmallClaims
Courtand/orb. beforeproceedingshavebeenor
needtobeissued6. anydisputewillbedealtwithbya
courttribunal,AdvisoryConciliationandArbitrationServiceorarelevantregulatoryorlicensingbody;ormediationagreedwithUs
AclaimisconsideredtobereportedtoUswhenWehavereceivedtheInsured’sfullycompletedclaimform.
40
EVENTSCOVERED1. EMPLOYMENTAdisputewiththeInsured’scurrent,formerorprospectiveemployerrelatingtotheircontractofemploymentorrelatedlegalrights.Aclaimcanbebroughtonceallinternaldismissal,disciplinaryandgrievanceproceduresassetoutinthe:a. ACASCodeofPracticeforDisciplinary
andGrievanceProcedures,orb. LabourRelationsAgencyCodeof
PracticeonDisciplinaryandGrievanceProceduresinNorthernIrelandhavebeenoroughttohavebeenconcluded
TheInsuredisrequiredtoco-operatefullywithACASregardingmediationandnotdoanythingthathindersasuccessfuloutcome.WheretheInsuredqualifiestohaveallorpartoftheemploymenttribunaloremploymentappealtribunalfeesrefundedorreduced,anapplicationforthisrefundorreductionmustbemadebytheInsuredtoHMCourts&TribunalsService.WhatisnotinsuredunderEvent1:Anyclaimrelatingto:1. disputesarisingsolelyfrompersonal
injury2. defendingtheInsuredotherthan
defendinganappeal3. LegalCostsandExpensesforan
employer’sinternaldisciplinaryprocessoranemployee’sgrievancehearingorappeal
4. feesthatarerecoverablefromanemployerorex-employerbyorderofthecourtorwheretheInsuredqualifiestohaveallorpartofthefeesrefundedorreducedbyHMCourts&TribunalsService
5. acompromiseorsettlementagreementbetweentheInsuredandtheiremployer.WewillbeabletohelptheInsuredfindasuitablesolicitorwhowillassisttheInsuredwiththisattheirownexpense
2. CONTRACTAdisputearisingoutofanagreementorallegedagreementwhichhasbeenenteredintobytheInsuredfor:a. buyingorhiringconsumergoodsor
servicesb. privatelysellinggoodsc. buyingorsellingYourmainHomed. rentingYourmainHomeasatenante. theoccupationofYourmainHome
underaleaseWhatisnotinsuredunderEvent2:Anyclaimrelatingto:1. disputeswithtenantsorwherethe
Insuredisthelandlordorlessor2. loans,mortgages,pensions,orany
otherbanking,lifeorlong-terminsuranceproducts,savingsorinvestments
3. theInsured’sbusinessactivities,trade,ventureforgain,professionoremployment
4. acontractinvolvingamotorvehicle5. asettlementdueunderaninsurance
policy6. constructionwork,ordesigning,
convertingorextendinganybuildingwherethecontractvalueexceeds£6,000includingVAT
41
3. PROPERTY3.1 Adisputerelatingtovisibleproperty
whichtheInsuredownsfollowing:a. aneventwhichcausesphysical
damagetotheInsured’svisiblepropertyincludingYourmainHome
b. apublicorprivatenuisanceortrespassprovidedthatwhereanyboundaryisindispute,Youhaveproofofwheretheboundarylies
3.2 AdisputewithYourlandlordorsiteownerarisingoutofYouroccupationofYourHome
WhatisnotinsuredunderEvent3:1. Thefirst£250ofanyclaimunder
INSUREDEVENT3b).ThisispayablebytheInsuredassoonasWeaccepttheclaim
2. Anyclaimrelatingto:a. acontractenteredintobyan
Insured(exceptunder3.2above)b. anybuildingorlandotherthan
YourmainHomec. amotorvehicled. thecompulsorypurchaseof,or
demolition,restrictions,controlsorpermissionsplacedonYourpropertybyanygovernment,localorpublicauthority
e. defendinganydisputeunderINSUREDEVENT3a)otherthandefendingacounterclaimoranappeal
f. adisputewithanypartotherthantheperson(s)whocausedthedamage,nuisanceortrespass
4. PERSONALINJURYAsuddeneventdirectlycausingtheInsuredphysicalbodilyinjuryordeath.WhatisnotinsuredunderEvent4:Anyclaimrelatingto:1. acondition,illnessordiseasewhich
developsgraduallyovertime2. mentalinjury,nervousshock,
depressionorpsychologicalsymptomswheretheInsuredhasnotsustainedphysicalinjurytotheirbody
3. defendinganydisputeotherthananappeal
5. CLINICALNEGLIGENCEAdisputearisingfromallegedclinicalnegligenceormalpractice.WhatisnotinsuredunderEvent5:1. Anyclaimrelatingtocontractdispute.
Defendinganydisputeotherthananappeal.
6. TAXAformalaspectorfullenquiryintotheInsured’spersonaltaxaffairsprovidedthatallreturnsarecompleteandhavebeensubmittedwithinthelegaltimescalespermitted.
42
WhatisnotinsuredunderEvent6:Anyclaimrelatingto:1. taxreturnswhereHMRevenue&
Customslevyapenaltyorclaiminterestorwhichcontainnegligentmisstatements
2. abusinessorventureforgainoftheInsured
3. wheretheDisclosureofTaxAvoidanceSchemeRegulationsapplyorshouldapplytotheInsured’sfinancialarrangements
4. anyenquirythatconcernsassets,moniesorwealthoutsideofGreatBritainandNorthernIreland
5. aninvestigationbytheSpecialistInvestigations(SI)BranchofHMRevenue&Customs
7. LEGALDEFENCEa. Work
AnallegedactoromissionoftheInsuredthatarisesfromtheirworkasanemployeeandresultsin:i) theInsuredbeinginterviewedby
thepoliceorotherswiththepowertoprosecute
ii) aprosecutionbeingbroughtagainsttheInsuredinacourtofcriminaljurisdiction
iii) civilproceedingsbeingbroughtagainsttheInsuredunderunfairdiscriminationlaws
b. MotorAmotoringprosecutionbeingbroughtagainsttheInsured
c. OtherAformalinvestigationordisciplinaryhearingbeingbroughtagainsttheInsuredbyaprofessionalorregulatorybody
WhatisnotcoveredunderEvent7:Anyclaimrelatingto:1. owningavehicleordrivingwithout
motorinsuranceordrivingwithoutavaliddrivinglicence
2. aparkingoffence8. LOSSOFEARNINGSTheInsured’sabsencefromworktoattendcourt,tribunal,arbitrationorregulatoryproceedingsattherequestoftheAppointedAdvisororwhilstonjuryservicewhichresultsinlossofearningsWhatisnotcoveredunderEvent8:1. Lossofearningsinexcessof£1,0002. Anysumwhichcanberecoveredfrom
thecourtortribunal9. IDENTITYTHEFTAdisputearisingfromtheuseoftheInsured’spersonalinformationwithouttheirpermissiontocommitfraudorothercrimesprovidedtheInsuredcontactsOurIdentityTheftAdviceandResolutionServiceassoonastheysuspectthattheiridentitymayhavebeenstolenWhatisnotcoveredunderEvent9:TheInsurerwillnotpayforanymoneyclaimed,goods,loans,orotherpropertyorfinanciallossorotherbenefitobtainedasaresultoftheidentitytheft
43
WHATISNOTINSUREDBYTHELEGALEXPENSESSECTIONOFTHEPOLICYYouarenotcoveredforanyclaimarisingfromorrelatingto:1. LegalCostsandExpensesand
CommunicationCostsincurredwithoutOurconsent
2. anyactualorallegedactoromissionordisputehappeningbefore,orexistingatthestartofthepolicyandwhichtheInsuredbelievedoroughtreasonablytohavebelievedcouldleadtoaclaimunderthispolicy
3. anamountbelow£1004. anallegationagainsttheInsured
involving:• assault,violenceordishonesty,
maliciousfalsehoodordefamation• themanufacture,dealinginoruse
ofalcohol,illegaldrugs,indecentorobscenematerials
• illegalimmigration• offencesunderPart7ofthe
ProceedsofCrimeAct2002(moneylaunderingoffences)
5. adisputebetweenYourfamilymembers
6. anInsured’sdeliberateorrecklessact7. ajudicialreview8. adisputearisingfromorrelatingto
clinicalnegligenceexceptasprovidedforinINSUREDEVENT5CLINICALNEGLIGENCE
9. adisputewithUsnotdealtwithunderCondition7,ortheInsurerorthecompanythatsoldthispolicy
10. a. ionisingradiationsor
contaminationbyradioactivityfromanynuclearfuelorfromanynuclearwasteorfromthecombustionofnuclearfuel
b. radioactive,toxic,explosiveor
otherhazardouspropertiesofanyexplosivenuclearassemblyornuclearcomponentthereof
c. war,invasion,actofforeignenemyhostilities(whetherwarisdeclaredornot),civilwar,rebellion,revolution,insurrectionormilitaryorusurpedpower
d. pressurewavesfromaircraftorotheraerialdevicestravellingatsonicorsupersonicspeed
e. anyterroristaction(regardlessofanyothercauseoreventcontributingconcurrentlyorinanyothersequencetotheliability)oranyactiontakenincontrolling,preventingorsuppressingterroristaction.IftheInsurerallegesthatbyreasonofthisexclusionanyliabilityorlossisnotcoveredbythispolicy,theburdenofprovingthecontraryshallbeupontheInsured
11. agrouplitigationorder12. thepaymentoffines,penaltiesor
compensationawardedagainsttheInsured
44
CONDITIONSWHICHAPPLYTOTHELEGALEXPENSESSECTIONOFTHEPOLICYWheretheInsurer’sriskisaffectedbytheInsured’sfailuretokeeptotheseconditionstheInsurercancancelYourpolicy,refuseaclaimorwithdrawfromanon-goingclaim.TheInsureralsoreservestherighttorecoverLegalCostsandExpensesfromtheInsuredifthishappens.1. TheInsured’sResponsibilitiesAnInsuredmust:
a. tellUsimmediatelyofanythingthatmaymakeitmorecostlyordifficultfortheAppointedAdvisortoresolvetheclaimintheInsured’sfavour
b. cooperatefullywithUs,givetheAppointedAdvisoranyinstructionsWerequire,andkeepthemupdatedwithprogressoftheclaimandnothinderthem
c. takereasonablestepstoclaimbackLegalCostsandExpenses,CommunicationCosts,employmenttribunalandemploymentappealtribunalfeesand,whererecovered,paythemtotheInsurer
d. keepLegalCostsandExpensesandCommunicationCostsaslowaspossible
e. allowtheInsureratanytimetotakeoverandconductintheInsured’sname,anyclaim
2. FreedomtochooseanAppointedAdvisora. Incertaincircumstancesassetout
in2b)belowtheInsuredmaychooseanAppointedAdvisor.InallothercasesnosuchrightexistsandWeshallchoosetheAppointedAdvisor
b. TheInsuredmaychooseanAppointedAdvisorif:• Weagreetostartproceedings
orproceedingsareissuedagainstanInsured,or
• thereisaconflictofinterest,
exceptwheretheInsured’sclaimistobedealtwithbytheSmallClaimsCourtwhereWeshallchoosetheAppointedAdvisor
c. WheretheInsuredwishestoexercisetherighttochoose,theInsuredmustwritetoUswiththeirpreferredrepresentative’scontactdetails
d. IftheInsureddismissestheAppointedAdvisorwithoutgoodreason,orwithdrawsfromtheclaimwithoutOurwrittenagreement,oriftheAppointedAdvisorrefuseswithgoodreasontocontinueactingforanInsured,coverwillendimmediately
e. InrespectofaclaimunderINSUREDEVENT1EMPLOYMENT,2CONTRACT,4PERSONALINJURYor5CLINICALNEGLIGENCEtheInsuredentersintoaConditionalFeeAgreementortheAppointedAdvisorentersintoaCollectiveFeeAgreementwherelegallypermitted
3. OurConsentTheInsuredmustagreetoUshavingsightoftheAppointedAdvisor’sfilerelatingtotheInsured’sclaim.TheInsuredisconsideredtohaveprovidedconsenttoUsorOurappointedagenttohavesightoftheirfileforauditingandqualitycontrolpurposes
45
4. Settlementa. TheInsurerhastherighttosettle
theclaimbypayingthereasonablevalueoftheInsured’sclaim
b. TheInsurerhastherighttorecoveremploymenttribunalandemploymentappealtribunalfeesfromasettlementagreementbetweentheInsuredandanemployerorex-employerunderINSUREDEVENT1EMPLOYMENT
c. TheInsuredmustnotnegotiate,settletheclaimoragreetopayLegalCostsandExpenseswithoutOurwrittenagreement
d. IftheInsuredrefusestosettletheclaimfollowingadvicetodosofromtheAppointedAdvisor,theInsurerreservestherighttorefusetopayfurtherLegalCostsandExpenses
e. TheInsuredmustsettleCommunicationCostsarisingfromINSUREDEVENT8IDENTITYTHEFTinthefirstinstanceandmakeareceiptedclaimtoUsforreimbursement
5. Barrister’sOpinionWemayrequiretheInsuredtoobtainandpayforanopinionfromabarristerifadisputearisesregardingthemeritsorvalueoftheclaim.IftheopinionsupportstheInsured,thentheInsurerwillreimbursethereasonablecostsofthatopinion.IfthatopinionconflictswithadviceobtainedbyUs,thentheInsurerwillpayforafinalopinionwhichshallbebindingontheInsuredandUs.ThisdoesnotaffecttheInsured’srightunderCondition6below
6. DisputesIfanydisputebetweentheInsuredandUsarisesfromthispolicy,theInsuredcanmakeacomplainttoUsasdescribedonpage46ofthispolicyand
Wewilltrytoresolvethematter.IfWeareunabletosatisfytheInsured’sconcernstheInsuredcanasktheFinancialOmbudsmanServicetoarbitrateoverthecomplaint
7. OtherInsuranceTheInsurerwillnotpaymorethanitsfairshare(rateableproportion)foranyclaimcoveredbyanotherpolicy,oranyclaimthatwouldhavebeencoveredbyanyotherpolicyifthispolicydidnotexist
8. FraudulentClaimsIftheInsuredmakesanyclaimwhichisfraudulentorfalse,thepolicyshallbecomevoidandallbenefitunderitwillbeforfeitedincludingthepremium
9. ActsofParliament&JurisdictionAlllegalinstrumentsandrulesreferredtowithinthepolicyshallincludeequivalentlegislationinScotland,NorthernIreland,theIsleofManandtheChannelIslandsandanysubsequentamendmentorreplacementlegislation.ThispolicywillbegovernedbyEnglishlaw
10. DataProtectionActItisagreedbytheInsuredthatanyinformationprovidedtoUsand/ortheInsurerregardingtheInsuredwillbeprocessedbyUsand/ortheInsurer,incompliancewiththeprovisionsoftheDataProtectionAct1998,forthepurposeofprovidinginsuranceandhandlingclaims,ifany,whichmayinvolvepassinginformationtootherparties.ForOurmutualprotectionandOurtrainingpurposes,callsmayberecorded
11. Contracts(RightsofThirdParties)Act1999ApersonwhoisnotinsuredunderthiscontracthasnorighttoenforcethetermsandconditionsofthispolicyundertheContracts(RightsofThirdParties)Act1999
46
COMPLAINTSPROCEDURE
IfatanytimeYouhaveanyqueryorcomplaintregardingtheFamilyLegalSolutionselementofthepolicy,Youshouldinthefirstinstancecontacttheschemeadministrators,Coast,whosoldthepolicytoYou.Contactdetailsare:ComplianceManagerCoastHelixHouseHighStreetWadhurstEastSussexTN56AAYoucantelephonethemon0800614849.IfYourcomplaintcannotberesolvedstraightaway,Youshouldcontact:TheCustomerRelationsDepartmentARAGplc9WhiteladiesRoadCliftonBristolBS81NNTelephone:01179171561(hoursofoperationare9am–5pm,MondaytoFridayexcludingbankholidays,forOurmutualprotectionandOurtrainingpurposes,callsmayberecorded)[email protected]
ShouldYouremaindissatisfiedYoumaybeentitledtopursueYourcomplaintfurtherwithLloyd’s,whocanbereachedinthefollowingways:Policyholder&MarketAssistanceMarketServicesLloyd’sFidentiaHouseWalterBurkeWayChathamMaritimeKentME44RNTelephone:02073275693,Fax:02073275225email:[email protected]:www.lloyds.com/complaintsIfLloyd’sisnotabletoresolvethecomplainttoYoursatisfactionthenYoumayreferittotheFinancialOmbudsmanServiceprovidedthatitfallswithinitsjurisdiction.TheFinancialOmbudsmanServicecannormallydealwithcomplaintsfromsmallbusinesseswithanannualturnoveroflessthan€2million.TheFinancialOmbudsmanServicecanbecontactedat:FinancialOmbudsmanServiceExchangeTowerLondonE149SRTelephone:08000234567or03001239123Email:complaint.infofinancial-ombudsman.org.uk
47
TheFinancialOmbudsmanServiceisanindependentserviceintheUKforsettlingdisputesbetweenconsumersandbusinessesprovidingfinancialservices.YoucanfindoutmoreinformationontheFinancialOmbudsmanServicewebsiteatwww.financial-ombudsman.org.uk.TheFinancialOmbudsmanService’sdecisionisbindingupontheInsurer,butYouarefreetorejectitwithoutaffectingYourlegalrights.
FinancialServicesCompensationSchemeWearemembersoftheFinancialServicesCompensationScheme(FSCS).YoumaybeentitledtocompensationfromthisschemeifWecannotmeetOurobligations,dependingonthetypeofinsuranceandthecircumstancesofYourclaim.Furtherinformationisavailableatwww.fscs.org.ukorbycontactingtheFSCSdirectlyon08006781100.
48
HOWTOMAKEACLAIM(FamilyLegalSolutionsSection)ClaimsProcedureIfyouneedtomakeaclaimyoumustnotifyusassoonaspossible.1. UndernocircumstancesshouldYou
instructYourownlawyeroraccountantastheInsurerwillnotpayanycostsincurredwithoutouragreement.
2. Youcanrequestaclaimformbetween9amand5pm,MondaytoFriday(exceptbankholidays)bytelephoning01179171698orbydownloadingoneatwww.arag.co.uk/newclaims.
3. WewillissueYouwithawrittenacknowledgementwithinoneworkingdayofreceivingYourclaimform.
4. Withinfiveworkingdaysofreceivingalltheinformationneededtoassesstheavailabilityofcoverunderthepolicy,WewillwritetoYoueither:• confirmingtheappointmentofa
qualifiedrepresentativewhowillpromptlyprogresstheclaimforYou;or
• iftheclaimisnotcovered,explaininginfullwhyandwhetherWecanassistinanotherway.
5. WhenalawyerisappointedtheywilltrytoresolveYourdisputewithoutdelay,arrangingmediationwheneverappropriate.Matterscannotalwaysberesolvedquicklyparticularlyiftheothersideisslowtocooperateoralegaltimetableisdecidedbythecourts.
LEGALANDTAXADVICEIfYouhavealegalortaxproblemWestronglyrecommendthatYoutakeadvantageofOurconfidentiallegalandtaxadvicehelplinewhichisprovidedaspartofthispolicy.Thelegaladvicehelplineisopen24/7andtaxadviceisavailablebetween9amand5pmonweekdays(exceptbankholidays).TheadvicecoverspersonallegalmatterswithinEUlaworpersonaltaxmattersfallingwithinUKlaw.Servicesaresubjecttofairandreasonableuse.Yourquerywillbedealtwithbyaqualifiedspecialistexperiencedinhandlinglegalandtaxrelatedmatters.Forlegalandtaxadvice,pleasetelephoneARAGon03330007809(localratenumber).
NOTES
NOTES
CoastCoastisatradingnameofParkHomeInsuranceServicesLtd.
RegisteredOffice:HelixHouse,HighStreet,Wadhurst,EastSussex,TN56AA.RegisteredinEnglandandWalesnumber2979679.
ParkHomeInsuranceServicesLtdisauthorisedandregulatedbytheFinancialConductAuthority.OurFCAregisternumberis306716.
Ourpermittedbusinessissellingandadministeringcontractsofgeneralinsurance.
Underwrittenby:BritSyndicate2987atLloyd’s
BritSyndicate2987atLloyd’sismanagedbyBritSyndicatesLimitedwhichisauthorisedbythePrudentialRegulationAuthorityandregulatedbythe
FinancialConductAuthority,registernumber204930.
LegalExpensesInsuranceadministeredby:ARAGplc
9WhiteladiesRoad,Clifton,BristolBS81NN.RegisteredinEnglandandWales,number2585818.
ARAGplcisauthorisedandregulatedbytheFinancialConductAuthority.FCAregisternumber452369.
Communicationsmaybemonitoredorrecordedtoimproveourserviceandforsecuritypurposes.
HelixHouse,HighStreet,Wadhurst,EastSussex
TN56AA
Tel:0800614849–Fax:01892784863Email:[email protected]
www.coastinsurance.co.uk
CoastisatradingnameofParkHomeInsuranceServicesLimited,whichisauthorisedandregulatedbytheFinancialConductAuthority
(FCARegisterNumber306716).ThecompanyisregisteredinEnglandandWales(CompanyNumber2979679).
ParkHomePolicy–Jan2017
Coast–PlatinumSept2016