Insurance

	What Is Insured:

	Fire, explosion, lightning, earthquake damage		Smoke damage		Escape of water
	Impact by aircraft, aerial devices, vehicles, animals		Falling aerials, satellite dishes and fittings		Riot, civil commotion, labour or political disturbances
	Storm or flood		Theft or attempted theft		Breakage of glass, furniture, mirrors, ceramic hobs
	Cost of alternative, comparable accommodation		Occupiers liability		Loss or damage to freezer content
	Accidental damage to TV, video, audio equipment and home computers		Cost of replacing door locks following theft or loss of keys		Contents in the open i.e. in the garden
	Loss/damage to contents temporarily removed from home		Reinstatement of title deeds following loss/damage		Loss of metered oil and water
	Malicious persons and vandalism		Liability for domestic employees		Domestic emergency 24-hour helpline
	Legal advice helpline		Accidental damage to contents in the home (optional cover)		All risks cover on personal possessions anywhere in the world for up to 60 days (optional cover)

	Limits

	Item		Limit		Item		Limit
	Contents (bedroom-based rating up to 5 bedrooms)		Up to £35,000 with option to increase if required		Home office business equipment, including computers		£5,000
	Valuables in total in the home		30% of contents sum insured		Freezer foods		£500
	Single article limit on valuables & pedal cycles		£1,500		Alternative accommodation		20% of contents sum insured
	Unspecified personal possessions away from the home		10% of contents sum insured		Third party liability		£1,000,000
	Contents in the open		£250		Domestic employees indemnity		£2,000,000
	Household goods in outbuildings		£5,000		Personal possessions cover anywhere in the world		Up to 60 days
	Fraudulent use of stolen credit cards by unauthorised persons		£500		Title deeds		£250
	Theft or loss of keys (lock replacement)		£250		Loss of metered water/oil		£1,000
	Tenants liability		20% of contents sum insured		Legal expenses (optional)		£25,000
	Lost money		£250

Exclusions

• Wear and tear, depreciation, electrical and mechanical failure or breakdown.
• Hearing aids, contact lenses, boats, caravans and vehicles.
• Business equipment and musical instruments used professionally.
• Loss or damage to sports and camping equipment whilst in use.
• Cover for damage caused by malicious persons or vandals, escape of water or oil from any fixed water or heating installation or theft where the property has been unoccupied for 90 or more consecutive days.
• Pollution and contamination, war, radioactive contamination and sonic bangs.

Excesses

• First £50 of each claim (except liability claims).
• First £250 for damage caused by malicious persons or vandals, escape of water or oil from any fixed water or heating installation or theft where the property has been unoccupied for 30 or more consecutive days.
• £150 if security discount given but security not in operation at time of theft.
• Additional voluntary excess taken by you to obtain additional discounts.

Security discount

1. The main entrance door must be fitted with a 5 lever mortice deadlock.
   
2. All other external doors, including access doors from integral garages, must be fitted with mortice deadlocks.
   
3. Sliding patio doors must be fitted with mortice deadlocks or a key operated integral multiple locking system.
   
4. Double leaf french doors must be fitted with 5 lever mortice deadlocks and key operated bolts or a key operated integral multiple locking system.
   
5. All accessible windows and skylights must be fitted with key operated bolts.
   
6. All doors on domestic outbuildings and garages must be fitted with key operated security devices.

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