Your Home Insurance policy

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Your Home

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This product meets the demands and needs of those who require home building and/or contents insurance to protect against unexpected events

Any word or expression used with a defined meaning in the policy has the same meaning wherever it appears. Words which use the masculine gender include the feminine and vice versa. Words using the singular include the plural and vice versa Signed on behalf of the Company

David Furniss

Chief Executive

If you need any help or guidance, then please do not hesitate to contact us using the details listed.

This Policy Booklet replaces any previous versions September 2015

This policy

Contact

24-Hour Emergency Claims

03300 240 364 or 01202 048 227

Lines open 24hrs each day

To ask for help in the event of an emergency outside of office hours

Non-Emergency Claims

03300 240 372 or 01202 048 270

9.00am to 5.00pm, Monday to Friday

To tell us about any incident which may give rise to a claim, or if you wish to discuss an existing claim

Policy servicing, amendments and

general enquiries

0800 731 1093

8.30am - 6.30pm Monday to Friday

For queries, including payment queries and to tell us about any changes to your policy

Legal Advice provided by DAS

0344 893 5725

Lines open 24hrs each day

Please see page 38 for more help available

24-hour Home Emergency Assistance

provided by DAS

0800 980 5001

Refer to page 33 for full details of cover

To help us continually improve customer services, calls may be monitored and recorded

For postal enquiries and correspondence please write to:

Teachers Assurance, Tringham House, Deansleigh Road, Bournemouth BH7 7DT

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Contents

Introduction

Contact information 2

Claims assistance 4

and how to work out if you are covered

Definitions 5 of words and terms used in this policy booklet

Building Insurance

Building insurance cover 8

What is and what is not covered in this policy?

Accidental Damage cover 11

Settlement of Claims 13

Contents Insurance

Contents insurance cover 14 What is and what is not covered in this policy?

Accidental Damage cover 19

Additional Contents cover 22 for Business Equipment in the Home

or Student Personal Effects

Applicable only if your schedule includes this

Settlement of Claims 23

Personal Possessions insurance

Personal Possessions cover 24 Applicable only if your schedule includes this

Settlement of Claims 27

Your Policy

Exclusions and General Conditions 28 Endorsements 31

Home Emergency 33

24 hour emergency assistance

Family Legal Expenses

Family Legal Expenses 38

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Am I covered?

What caused the claim?

For example, your water tank bursts and the water leaking from it damages your ceiling and also ruins some furniture. The cause of the claim is escape of water, so this is what you need to look for in the policy booklet

Am I claiming for buildings or contents insurance, or both?

As the building itself is damaged (the ceiling) and the contents of the home (the furniture), you will be making a claim under both the buildings and contents sections.

Am I covered?

Read your schedule and the relevant sections of the policy booklet to check what is and what is not covered

Claims assistance

Important information to assist you when making a claim

We are here to help you deal with your claim as quickly and sympathetically as possible. To help us to do this, please read this information

First, check the schedule, which shows the cover you have chosen and any endorsements that apply to your policy. Look through this policy booklet finding the relevant sections to your claim. The policy booklet will help you to find what you are covered for. It will also show you the general exclusions and to what extent we will settle claims. Please notify us of the incident as soon as possible and within a maximum of 30 days so that we can establish how we can help and what will be required.

Please provide us with as much information as possible of the incident including - your name, address and policy number, the date and circumstances of the incident and details of what you wish to claim for. Please keep any purchase receipts, invoices, instruction booklets etc for any items subject to the claim as these may be required by us. A claim form may need to be completed and submitted with any documentation requested by us as quickly as possible. We may appoint one of our recommended suppliers. Alternatively, an independent specialist or loss adjuster may be appointed by us. We will be able to advise you if this is required at the time of your claim notification to us or if this becomes necessary as the claim progresses.

Please ensure that the police are immediately advised of any incident involving theft or loss and advise us of their reference number and address of the station concerned. If any temporary repairs are required to your property to prevent further damage, please arrange for these to be carried out as quickly as possible and advise us of details of the work required to your property and the costs involved if known. For the remaining repairs to your property we will require two independent quotations to be provided wherever possible. Our Home Emergency cover described on page 33 may be able to help you.

If you are aware of any separate insurance being in force by you, which may also cover the same loss, damage or incident, please can you advise us of their details including the insurance company, address and policy number.

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Definitions

of words and terms used in this Policy Booklet

Accidental Damage

Damage caused by external means, other than a deliberate act by any of the Insured

Buildings

The home, fixtures and fittings on or in the home and any garages or other outbuildings within the boundaries of the home, burglar alarms, stair lifts, walls, gates, solar panels, fences, hedges, terraces, patios, drives, paths, swimming pools, saunas, jacuzzis and spas all contained within the boundaries of the home which are used for domestic purposes only and not for any business purpose and either owned by or the legal responsibility of the policyholder

but not:

External television, radio or satellite receiving equipment as these are considered as contents

Business Equipment

Computer equipment, facsimile machines, photocopiers and other office equipment all owned by, or the legal responsibility of the Insured and used in the running of your business

Business Trade or Profession

Business or trade by any of the Insured

The Company/We/Us

Teachers Assurance Company Limited of Tringham House, Deansleigh Road, Bournemouth BH7 7DT

Contents

Whilst within the United Kingdom, money up to a maximum value of £500. Radio aerials, television aerials and satellite receivers on or in the home. Personal effects and household goods which belong to or are the legal responsibility of the Insured or of any domestic employee who is normally resident with the Insured, visitors personal effects in your home, up to £1,000 per visitor

but not:

Animals, both pets and livestock

Motor vehicles and accessories (including keys and locks of any sort) including childs mechanically propelled motor vehicles, mechanically propelled go karts, mechanically propelled or assisted vehicles, caravans, trailers, traps, carts, items being towed, aircraft, hovercraft, boats, any watercraft or parts or accessories for any of the above

Business stock and materials

Horse riding saddles (to include stirrups and irons) and bridle (to include bits, reins and head collars) Any item more specifically insured elsewhere

The structure or any part thereof including decoration or permanent fixtures and fittings within your home Landlords fixtures and fittings

Collection

Items that form part of a set where the loss of one item will cause depreciation in value to the remaining items and to the collective value as a whole

Dangerous Dogs

Any dog of the types described in the Dangerous Dogs Act 1997

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Definitions (continued)

of words and terms used in this Policy Booklet

Domestic Employee/Staff

Any person employed by you and who works for you at your home

Emergency Repairs

Such temporary or permanent repairs deemed necessary to protect the buildings and contents that should be necessary following a sudden or unforeseen event

Endorsements

A change or limitation to the terms of the policy agreed to by the Insured and the Company. These (if any) will be set out in the schedule

Excess

The first part of any claim, which you have to pay

Family

Provided they normally live with you, your husband or wife, your partner, your children, your or your husband’s/ wife’s or partner’s parents and any other relatives. If you have children that do not live with you during term time then they will need additional cover. Please contact us for further details

Heave

Upward movement of the ground beneath the buildings as a result of the soil expanding

Insured/You/Policyholder

The person or persons actually named in the schedule and any member of their family permanently resident at the address shown on the schedule

The/Your Home

The private dwelling, garage and outbuildings, the address of which is shown in the schedule which are used for domestic purposes only and not for any business purpose

Landslip

Downward movement of sloping ground

Money

Money up to a maximum of £500 held for private, social or domestic purposes comprising current legal tender, cheques, postal and money orders, travellers cheques, current postage stamps, National Savings stamps, certificates, premium bonds, luncheon vouchers, gift vouchers, book tokens, savings stamps, credit notes and loyalty cards which have a monetary value which belong to the Insured

New For Old

Replacement will be on a like for like basis or based on the equivalent available in the current market

Period of Insurance

The period shown on the schedule and any further period for which the appropriate premium has been paid by you and accepted by the Company

Personal Effects

Clothing items designed to be worn by you and personal articles designed to be worn or carried on or about the person

Personal Possessions

Personal effects, sports equipment, pedal cycles, belonging to the insured and within their custody and control

Money up to a maximum of £500

but not:

Motor vehicles, boats or personal watercraft and their parts and accessories (including keys and locks of any sort)

Items with an individual value in excess of £1,000 unless they have been specified separately under the personal possessions section of the policy and the appropriate premium paid

Settlement, Compaction or

Consolidation

Downward movement as a result of the soil being

compressed by the weight of the buildings within ten years of construction

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Definitions (continued)

of words and terms used in this Policy Booklet

Student

A person who is studying at a university or other place of higher education

Subsidence

Downward movement of the ground beneath the buildings other than by settlement

Unfurnished

Without sufficient items of furniture or furnishings for normal habitation or living purposes

United Kingdom

England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands

Valuables

Provided they are normally kept in the home, a) Gold, silver and precious metal articles b) Watches and jewellery

c) Cups and trophies d) Furs

e) Televisions, cameras, video cameras/recorders, audio, computers, games consoles and their equipment and accessories

f ) Binoculars and telescopes

g) Paintings, works of art and antiques h) Collections over £5,000

Any individual item exceeding £2,000 should be individually specified under the Contents section. Failure to do this may reduce a claim settlement

Unoccupied

Not attended overnight by you or a member of your family. Please note that endorsements will also be added to your policy

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By buildings we mean

The home, fixtures and fittings on or in the home and any garages or other outbuildings within the boundaries of the home, burglar alarms, stair lifts, walls, gates, solar panels, fences, hedges, terraces, patios, drives, paths, swimming pools, saunas, jacuzzis and spas all contained within the boundaries of the home which are used for domestic purposes only and not for any business purpose and either owned by or the legal responsibility of the policyholder

Buildings Insurance

This cover applies only if your schedule shows that Buildings Insurance is included

General exclusions

Damage due to general wear and tear, any gradually operating cause, dry rot, wet rot, damp, faulty

workmanship, defective design or use of defective materials and the cost of normal maintenance and redecoration is excluded. It is your responsibility to keep your home in a good state of repair. If your property is being altered or erected, cover is restricted to: fire, flood, storm, earthquake, explosion, lightning or impact. Please read the exclusions and general conditions section for further details.

We will pay for: We will not pay for: 1 Fire, lightning, explosion or earthquake

2 Smoke

3 Storm or flood Loss of or damage to fences, hedges or gates caused by storm, snow or flood

Loss or damage caused by frost

Damage to trees and any resultant damage caused by the trees or branches to fences and gates

Costs you have to pay for removing the part of the tree that is still in the ground or the costs of restoring the site

4 Escape of water, oil or liquid petroleum gas from any fixed water or heating installation or from any domestic appliance within the home

Loss or damage occurring after the home has been unoccupied for more than 70 consecutive days or the home is left insufficiently furnished for full habitation 5 Trace and access

We will pay for the cost of removing and replacing any part of the buildings to find the source of a water or oil leak from any fixed tank, appliance or pipe forming part of your home.

The most we will pay is £5,000

Damage to the tank, appliance or pipe itself Loss or damage occurring after the home has been

unoccupied for more than 70 consecutive days or the home is left insufficiently furnished

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Buildings Insurance (continued)

This cover applies only if your schedule shows that Buildings Insurance is included

We will not pay for:

6 A malicious person or persons or vandalism Loss or damage occurring after the home has been unoccupied for more than 70 consecutive days or the home is left insufficiently furnished for full habitation Loss or damage caused by you or any person lawfully

in your home 7 Riot, civil commotion, strike, labour or

political disturbances

Loss or damage occurring after the home has been unoccupied for more than 70 consecutive days or the home is left insufficiently furnished for full habitation Loss or damage caused by you or any person lawfully

in your home

8 Theft or attempted theft Loss or damage occurring after the home has been unoccupied for more than 70 consecutive days Loss or damage occurring while the home is let, lent

or shared wholly or in part with any person or persons who are not a member of the Insured’s family unless there is evidence of forcible and/or violent entry to or exit from the property

Any loss which has not been reported to the police within 24 hours of discovery of the incident 9 Subsidence, heave or landslip of the site on

which the home stands

The first £1,000 of each and every claim in addition to any other excess shown in the schedule

Loss or damage caused by: i) Coastal or river erosion

ii) Construction, structural alteration, repair or demolition of the buildings

iii) Faulty workmanship, faulty design or the use of defective materials on or to the buildings iv) Settlement, compaction or consolidation

Loss or damage to the perimeter walls, gates, fences, terraces, patios, drives, paths and swimming pools unless the home is damaged by the same cause and at the same time

Loss or damage to or resulting from movement of solid floor slabs unless the foundations beneath the external walls of your home are damaged by the same cause and at the same time

Reduction in market value following repair

Damage if you knew when this policy started that any part of the buildings had already been damaged by subsidence, heave or landslip, unless you told us and

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Buildings Insurance (continued)

This cover applies only if your schedule shows that Buildings Insurance is included

We will pay for: We will not pay for: 10 Impact by

Any aircraft, rail or road vehicles or anything dropped from an aircraft

An animal

Falling trees or branches

Falling television, satellite and radio receiving aerials, or dishes, fittings and masts

Damage caused by any animal or animals belonging to you or a member of your family

Loss or damage to gates, hedges or fences caused by felling or lopping

11 Mains services

We will pay for accidental damage to underground cables and pipes extending from your home to the public supply for which you are legally responsible. If you have a shared legal responsibility then we will pay for that part of the repairs for which you are legally responsible. We will also pay up to £1,000 for the cost of breaking into and repairing an underground pipe to clear a blockage between the main sewer and your home if rodding or other conventional methods of unblocking have been unsuccessful

Further help may be provided under Home Emergency. See page 33

12 Plumbing installation

We will pay for damage to any part of the plumbing installation in your home caused by freezing or bursting due to a sudden and unexpected increase in pressure

Damage occurring to an installation which is directly exposed to the outside or is in an outbuilding Loss or damage due to rust, corrosion or wear and

tear or has occurred over a period of time

After the home has been unoccupied for more than 70 consecutive days

13 Glass, mirrors, ceramic hobs and sanitary fittings

We will pay for accidental damage to glass, mirrors, ceramic hobs and sanitary ware fixed to and forming part of the home

Damage occurring after the home has been

unoccupied for more than 70 consecutive days or the home is left insufficiently furnished for full habitation The cost of replacement of taps unless they have

been damaged by the same cause and at the same time

The cost of replacing undamaged, but matching parts of any items forming part of any suite or set

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Buildings Insurance (continued)

This cover applies only if your schedule shows that Buildings Insurance is included

We will pay for: We will not pay for: 14 Rent and alternative accommodation

We will pay loss of rent otherwise receivable or payable including up to two years ground rent and reasonable additional expenses (e.g. cattery or kennel costs) of alternative accommodation if your home is rendered uninhabitable following damage recoverable under the buildings insurance section of this policy during the period necessary to restore your home to a habitable condition

The maximum amount payable under this section is £25,000 or 10% of the buildings sum insured as detailed in the schedule, whichever is higher 15 Benefit for a purchaser of your home

If you contract to sell your home the purchaser will have the benefit of this buildings insurance up to the date of completion provided the buildings are not insured elsewhere

16 Accidental Damage

We will pay for accidental damage to your buildings

Damage while the home or any part of it is let, lent or shared with anyone who is not a member of your family

Loss or damage resulting from a wilful or deliberate act by you or any person lawfully in your home Damage caused by faulty workmanship, defective

design or the use of defective materials on or to the buildings

Damage caused by wear and tear, shrinkage,

cleaning, wet or dry rot, frost, atmospheric or climatic conditions, vermin, insects, pets, fungus or any gradually operating cause

Damage occurring after the home has been left unoccupied for more than 70 consecutive days or the home is left insufficiently furnished for full habitation Damage specifically excluded elsewhere in the policy Damage caused by demolition, structural alteration

or structural repair of your buildings

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We will pay for: We will not pay for: 17 Liability at Law (Building section)

We will pay any amounts which you, as the owner, but not the occupier, of the home, become legally liable to pay as compensation for an accident occurring during the period of insurance shown in the schedule which causes bodily injury to a person or damage to property.

The most we will pay for any one claim or claims arising from one event is £2,000,000 plus costs incurred provided the costs being incurred were agreed by us in writing

Damage to property owned or in the custody or control of you or a member of your family or a domestic employee

Damage to property held in trust for either you, a member of your family or a domestic employee Bodily injury to a member of your family or to

a person employed by you or by a member of your family

Liability assumed by an agreement unless that liability would have existed without the agreement Injury loss or damage arising out of any trade,

profession, business or employment

Injury or damage arising out of any use of lifts or motor vehicles

18 We will pay any amounts arising solely from your legal liability to pay compensation for death or accidental bodily injury to anyone or accidental damage to property occurring during the period of insurance shown in the schedule caused by faults in any private residence previously owned and occupied by you The most we will pay for any one claim or claims arising from one event is £2,000,000 plus costs incurred provided the costs being incurred were agreed by us in writing

Liability arising more than 7 years after this insurance has expired or been cancelled

The cost of remedying any fault or alleged fault Liability if you are insured under another policy IF YOU ARE AN OWNER IN OCCUPATION

PLEASE NOTE:

Liability for injury and/or damage resulting from land or buildings nearly always attaches to the occupier, rather than the owner. In such cases, you should ensure that you have contents insurance in force, which will provide you with the occupiers liability insurance required

19 Emergency entries

We will pay for damage to your home or garden caused when the fire brigade, the police or the ambulance service have to make a forced entry because of an emergency to you or your family The most that we will pay for a claim will be £2,000 20 Replacement of locks

We will pay for the cost of replacing locks to external doors and windows, safes and alarms of the home - the address of which is shown on the current schedule following loss or theft of keys

The most we will pay is £500

The cost of repairing or rectifying mechanical breakdown

Help may be provided under Home Emergency. See page 33

Buildings Insurance (continued)

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Settlement of Claims

Made under the Buildings Insurance

If the loss or damage is covered by this

insurance we may:

Arrange for repair or replacement using one of our suppliers; or

Pay the cost of repair or replacement; or Make a cash payment.

You cannot claim for new items if repair is economically possible or if you replace the item with a second hand one. Repairs completed by our approved suppliers as a result of a claim covered by this insurance are guaranteed for a minimum of 12 months.

The maximum amount we will pay for any one claim will be the buildings sum insured shown in the schedule in force at the time of any loss or damage occurring, less any excess shown in the schedule or elsewhere in the buildings section of this Policy Booklet.

An amount for wear and tear will be deducted if the

buildings are in a poor state of repair or if the sum insured is less than the full cost of rebuilding the buildings at the time of any loss or damage occurring.

Matching Suites or Sets – each individual item of a matching set or suite of sanitary fittings or other fixtures or fittings in your home is regarded as a single item. We will settle your claim only in respect of the individual damaged items and we will then pay 50% towards any undamaged items that form part of the set.

In certain exceptional circumstances, we may pay the difference between the sale value of your home in the open market immediately prior to the loss or damage and the value of your home following such damage.

Following damage covered under the buildings section of this policy we will pay for:

Architects, surveyors and consulting engineers fees where we have given you permission to incur these costs. These fees must not be more than those recommended by the relevant professional institutes. The cost of clearing the site and making your home safe and the cost of complying with any Government or Local Authority requirement unless you were given notice of the requirement before the damage occurred.

Following damage covered under the buildings section of this policy we will not pay

for-Any fees for preparing a claim under this insurance or any costs in respect of undamaged parts of the buildings

Claims where compensation has been paid by contract or legislation in respect of the same loss The cost of removal or reduction of trees

Any management/administration fees that have not been pre-approved by Teachers Assurance

SUM INSURED UNDER THE BUILDINGS INSURANCE SECTION OF THIS POLICY

Our liability in respect of loss or damage to the buildings by any of the events mentioned shall not exceed in total the sum insured, which is shown in the schedule in force at the time of any loss or damage occurring.

You must tell us if you believe the sum insured shown in your schedule is not enough to cover the full cost of rebuilding your home. This must include provision for the expenses and fees detailed under the heading ‘Settlement of Claims made’

INFLATION PROTECTION

We may adjust the sum insured shown in the schedule for buildings to allow for changes in the cost of living in line with the changes in the House Rebuilding Cost Index issued by the Royal Institute of Chartered Surveyors, or, if for whatever reason the House Rebuilding Cost Index issued by the Royal Institute of Chartered Surveyors should not be available, by a suitable alternative Index.

We may do this every month and update your sum insured when your policy is due for renewal This adjustment will continue to be made automatically following any report of damage provided the repairs or reinstatement are completed without any unreasonable delay on your part.

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By contents we mean

Money up to a maximum value of £500, radio aerials, television aerials and satellite receivers on or in the home. Personal effects and household goods which belong to or are the legal responsibility of the Insured or of any domestic employee who is normally resident with the Insured

Contents Insurance

This cover applies only if your schedule shows that Contents Insurance is included

General exclusions

Damage due to general wear and tear, any gradually operating cause, dry rot, wet rot, damp, faulty

workmanship, defective design or use of defective materials and the cost of normal maintenance and redecoration is excluded. It is your responsibility to keep your home in a good state of repair. If your property is being altered or erected, theft is restricted to forcible and violent entry or exit. Please read the exclusions and general conditions section for further details.

We will pay for: We will not pay for: 1 Fire, lightning, explosion or earthquake

2 Smoke

3 Storm or flood Loss or damage caused by frost 4 Escape of water, oil or liquid petroleum gas

from any fixed water or heating installation or from any domestic appliance. For escape of oil claims we will also pay for the cost of the oil lost

Loss or damage occurring after the home has been unoccupied for more than 70 consecutive days or the home is left insufficiently furnished for full habitation

5 A malicious person or persons or vandalism Loss or damage occurring after the home has been unoccupied for more than 70 consecutive days or the home is left insufficiently furnished for full habitation Loss or damage caused by you or any person lawfully

in your home 6 Riot, civil commotion, strike, labour or

political disturbances

Loss or damage occurring after the home has been unoccupied for more than 70 consecutive days or the home is left insufficiently furnished for full habitation Loss or damage caused by you or any person lawfully

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Contents Insurance (continued)

This cover applies only if your schedule shows that Contents Insurance is included

We will pay for: We will not pay for:

7 Theft or attempted theft Loss or damage occurring after the home has been unoccupied for more than 70 consecutive days or the home is left insufficiently furnished for full habitation Loss or damage caused by you or any person lawfully

in your home

Loss of money unless there is evidence of forcible and violent entry to or exit from the property AND that the loss has been notified to the police within 24 hours of the incident being discovered

Loss or damage occurring while the home is let or lent, wholly or in part unless there is evidence of forcible and violent entry to or exit from the property Loss or damage occurring while the home is shared

wholly or in part with any person or persons who are not a member of the Insured’s family unless there is evidence of forcible and violent entry to or exit from the property

Loss or damage to a pedal cycle which has not been left in a locked building

Loss or damage to a pedal cycle which has not been secured to an immovable object with a suitable locking device if left in a communal area Theft by deception unless entry is gained

by deception

Theft of personal money, unless someone has broken into or out of the home by using force and violence or has got into the home by deception

Any loss which has not been reported to the police within 24 hours of discovery of the incident 8 Subsidence, heave or landslip of the site on

which the home stands

Coastal or river erosion

Construction, structural alteration, repair or demolition of the buildings

Faulty workmanship, design, or the use of defective materials on or to the buildings

Damage if you knew when this policy started that any part of the buildings had already been damaged by subsidence, heave or landslip, unless you told us and we accepted it

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We will pay for: We will not pay for: 9 Impact by

Any aircraft, rail or road vehicles or anything dropped from an aircraft

An animal

Falling trees or branches

If we accept a claim for damage to buildings by falling trees, we will also pay reasonable costs you have to pay for removing from the site:

a) the fallen part of the tree b) the tree if it has been totally or

partly uprooted

Falling television, satellite and radio receiving aerials or dishes, fittings and masts

Damage caused by any animal or animals belonging to you or a member of your family

Damage caused by felling or lopping

Costs you have to pay for removing the part of the tree that is still in the ground or the costs of restoring the site

10 Television, audio, video, computer equipment and games consoles

We will pay for accidental damage to television, audio, video, computer equipment, cable decoding equipment and their aerials and satellite aerials and games consoles

Damage occurring after the home has been

unoccupied for more than 70 consecutive days or the home is left insufficiently furnished for full habitation Damage caused by wear and tear, depreciation,

a gradually operating cause, cleaning, repair or restoration, mechanical or electrical breakdown Loss or damage resulting from a wilful or deliberate

act by you or any person lawfully in your home Chewing, scratching, fouling, urinating, vomiting or

tearing by animals owned by you or by a member of your family

11 Mirrors or glass which form part of a piece of furniture and portable ceramic hobs

We will pay for accidental breakage of mirrors or glass which form part of a piece of furniture or portable ceramic hobs

Damage occurring after the home has been

unoccupied for more than 70 consecutive days or the home is left insufficiently furnished for full habitation

12 Food in freezers

We will pay for loss of or damage to the contents of a deep freeze cabinet

The most we will pay is £500

Loss or damage resulting from a wilful or deliberate act by you or any person lawfully in your home Loss or damage resulting from the deliberate act of

any power supply authority or the withholding or restricting of power by such an authority

Loss or damage occurring after the home has been unoccupied for more than 70 consecutive days or the home is left insufficiently furnished for full habitation

Contents Insurance (continued)

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We will pay for: We will not pay for: 13 Contents in transit

We will pay for accidental damage to contents when in transit by land from the home or permanent removal to another home in the United Kingdom by professional removal contractors

Damage to china, glass, earthenware and other items of a brittle nature unless they have been packed by professional packers

Property in or in transit to or from any depository Valuables and/or money

14 Contents in the garden

We will pay for loss or damage by any cause listed in paragraphs 1-9 of the contents section of your policy while in the open and within the boundaries of your home and its land

The most we will pay is £1,500

Loss or damage occurring after the home has been unoccupied for more than 70 consecutive days or the home is left insufficiently furnished for full habitation Loss or damage to pedal cycles

15 Plants in the garden

We will pay for loss or damage to hedges, trees, shrubs, plants and lawns by any cause listed in paragraphs 1-9 of the contents section of your policy whilst within the boundaries of your home and its land

The most we will pay is £500

Loss or damage occurring after the home has been unoccupied for more than 70 consecutive days or the home is left insufficiently furnished for full habitation More than £250 for any tree, shrub or plant

Loss or damage caused by impact from falling branches

If we pay for hedges, trees, shrubs, plants and/or lawns under the buildings section as a result of the same incident

16 Rent and alternative accommodation We will pay rent payable by you and reasonable additional costs (e.g. cattery or kennel costs) of comparable accommodation during the period necessary to restore the home to a habitable condition if the home is rendered uninhabitable following damage recoverable under this contents section of your policy

The maximum payable under this section is £10,000 or 15% of the sum insured as detailed in the schedule, whichever is higher

17 Fatal injury

We will pay for fatal injury to any of the Insured caused by fire provided that death is within three months following the injury caused by fire

The most we will pay is £1,000 per claim

Contents Insurance (continued)

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We will pay for: We will not pay for: 18 Contents temporarily removed

We will pay for loss or damage to the contents of your home caused by any event listed in paragraphs 1-9 of this contents section of your Policy Booklet occurring while the items of your contents are temporarily removed to the following places (temporarily meaning for a period not exceeding 14 days):

i) In any occupied private residence within the United Kingdom where you or a member of your family is temporarily living

ii) In any building within the United Kingdom where you or a member of your family is employed or carries on business

iii) In a bank or safe deposit located within the United Kingdom

The most we will pay is 15% of the sum insured

Items removed for longer than 14 days unless approved and agreed by the Company in writing Loss or damage in any furniture depository Loss or damage by theft unless there is evidence of

forcible and violent entry or exit Loss of money

Loss or damage from any building where you or a member of your family is residing as a student Loss or damage while removed for sale or exhibition Contents that are insured elsewhere

19 Teachers extension

We will pay for loss or damage to the contents of your home caused by any event listed in paragraphs 1-9 of the contents section of your policy, occurring whilst they are temporarily kept or stored during term time at your school, college or university where you are employed, including money up to £500

The most we will pay is £2,000

Contents that are insured elsewhere

20 Replacement of locks

We will pay for the cost of replacing locks to external doors and windows, safes and alarms of the home - the address of which is shown on the current schedule following loss or theft of keys

The most we will pay is £500

The cost of repairing or rectifying mechanical breakdown

Help may be provided under Home Emergency. See page 33

21 Special events

We will increase the contents amount of cover by up to £5,000 for one month before and after a religious festival or special family event, for purchases made for these events, if within the period of insurance

Contents Insurance (continued)

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We will pay for: We will not pay for: 22 Metered water

We will pay for the loss of metered water from your side of the meter following accidental damage to the meter and/or pipe work

The most we will pay is £1,000 23 Title deeds

We will pay any reasonably incurred costs and expenses incurred by you in preparing new title deeds to your home following loss or damage by any cause insured by paragraphs 1-9 of this contents section of your policy while the deeds are in your home or in your bank for safe keeping

The most we will pay is £250 24 Downloaded Information

We will pay for loss or damage to information that you have bought and stored on your home entertainment equipment or mobile phone as a result of a cause listed in paragraphs 1 to 7 of this section

The most we will pay is £2,500

The cost of remaking a file, tape or disc

Rewriting the information contained on your home entertainment equipment

Any loss or damage shown as not insured elsewhere in this Policy Booklet

25 Accidental Damage

We will pay for accidental damage to your contents while in the home

Damage while the home or any part of it is let, lent or shared with anyone who is not a member of your family

Damage caused by any paying guest or tenant of your home

Loss or damage resulting from a wilful or deliberate act by you or any person lawfully in your home Damage to contact lenses

Damage caused by wear and tear, depreciation, insects, moth, vermin, atmospheric or climatic conditions, any gradually operating cause, cleaning, dyeing, repair or restoration, mechanical or

electrical breakdown

Damage occurring after the home has been

unoccupied for more than 70 consecutive days or the home is left insufficiently furnished for full habitation Damage specifically excluded elsewhere in this

contents section of your policy

Chewing, scratching, fouling, urinating, vomiting

Contents Insurance (continued)

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We will pay for: We will not pay for: UNDER THE CONTENTS SECTION OF THIS

POLICY YOU ARE ALSO INSURED AGAINST LIABILITY AT LAW

We will pay any sums for which you or any member of your family become legally liable as stated at paragraphs 26 and 27 as follows

26 Sums claimed or payable in respect of accidental bodily injury (including death, disease or illness) or accidental damage to property where the claim or liability arises against you:

i) As occupier of the home

ii) In a personal capacity (not as occupier or owner of any buildings or land)

iii) As an employer of domestic staff

The most we will pay for any one claim or claims arising from a single event is £2,000,000 plus costs agreed by the Company in writing

Damage to property owned or in the custody or control of you, a member of your family or a domestic employee

Damage to property held in trust for either you, a member of your family or a domestic employee Liability assumed by agreement unless that liability

would have existed without the agreement Injury (except to a domestic employee) or damage

arising out of any trade, profession, business or employment

Injury or damage arising out of the use of any mechanically propelled vehicle, lifts, caravans, trailers, aircraft, hovercraft, any watercraft, traps, carts and items being towed (other than garden machinery and electric wheelchairs)

With the exception of domestic staff any liability that you or any member of your family may have in respect of any acts or omissions of anyone employed by you or a member of your family

Injury or damage caused by dangerous dogs as defined under the Dangerous Dogs Act 1997 Claims arising as the result of the transmission of a

communicable disease

You or any member of your family owning, keeping or using any living creatures other than domestic animals

Claims arising from you or any member of your family owning any land or building, or you or any member of your family occupying any land or building other than your home

Any compensation, costs or expenses if you are insured under any other liability policy, including your pet insurance policy, unless that cover has been exhausted

Contents Insurance (continued)

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Contents Insurance (continued)

This cover applies only if your schedule shows that Contents Insurance is included

We will pay for: We will not pay for: 27 As tenant (not as owner) for damage to

the home

The most we will pay is £10,000

Damage occurring after the home has been

unoccupied for more than 70 consecutive days or the home is left insufficiently furnished for full habitation 28 Claims against third parties

We will pay the amount of any outstanding award of damages (and as appropriate costs) which are and remain irrecoverable after a defended hearing made in a Court in the United Kingdom if such award has not been paid to you within six months of the date of the award. We will only make payment if paragraph 26 of this section would have insured you had the award been made against you or any member of your family The most we will pay for any one claim or claims arising from one event is £2,000,000

Any claims where the incident leading to the Court proceedings took place outside the period of insurance

Any claims where the incident leading to the Court proceedings took place other than in the United Kingdom

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Additional Contents Cover

The following additional cover is available to the contents section of this policy

and will only apply if paragraphs 29 & 30 are shown in your current schedule

We will pay for: We will not pay for: 29 Business home cover

Items such as personal computers, printers, facsimile machines, monitors and answering machines used in connection with your occupation or business will be covered for loss or damage by any cause listed in paragraphs 1-9 of this contents section of your policy (subject to any of the exceptions also set out in paragraphs 1-9) whilst they are within the home.

Tools used in a professional capacity Any vehicles, aircraft or watercraft to

include hovercraft

Any manufacturing or production type equipment

30 Students personal effects cover

You will need this cover if you have children who do not live with you during term time and require cover for their items which they have taken with them to college/university

Loss, damage or theft of personal effects

belonging to the insured student as named in the current schedule

Loss of personal money up to a limit of £100 Loss or damage to personal effects and personal

money for up to 70 days occurring outside the United Kingdom in any one period of insurance Loss or damage to items valued in excess of the

single article limit (in this case £1,000) providing they are specified in the current schedule

Any item which is valued at more than £1,000 (the single article limit) unless individually specified in the schedule

Theft from a term time address unless there is evidence of forcible and violent entry or exit Loss or damage by wear and tear, depreciation,

insects, moths, vermin, atmospheric or climatic conditions, a gradually operating cause, cleaning, dyeing, repair or restoration, mechanical or electrical breakdown

Motorised pedal cycles, pedal cycles used for racing, pace making or testing, cycles not locked to an immovable object, and cuts and bursts to tyres Loss or damage to contact lenses, dentures whilst

masticating, camping equipment, guns, tools, money over £100

Loss or damage while participating in a sport Sports equipment used for water sports and winter

sports to include skiing, whether such equipment is or is not in use

Loss of money due to confiscation, depreciation, error or omission

Loss or damage caused by theft from an unattended motor vehicle unless:

i) There is evidence that forcible and violent entry took place, and

ii) The personal possession was secured in a locked luggage boot, concealed by a parcel shelf or stored within a concealed compartment

Chewing, scratching, fouling, urinating, vomiting or tearing caused by animals owned by you or by a member of your family

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Settlement of Claims

Made under the Contents Insurance

If the loss or damage is covered by this

insurance we may:

Arrange for repair or replacement using one of our suppliers; or

Pay the cost of repair or replacement; or Make a cash payment.

You cannot claim for new items if repair is economically possible or if you replace the item with a second hand one. Repairs completed by our approved suppliers as a result of a claim covered by this insurance are guaranteed for 12 months.

The absolute maximum amount we will pay for any one claim will be the contents sum insured shown in the schedule less any excess shown in the schedule of insurance. The most we will pay for specific incidents may be limited by the policy wording of the section the claim is made under.

If an item is considered a ‘valuable’, the most we will pay for any one item owned by the Insured or any member of their family will be £2,000 unless it is individually specified under the contents section of the schedule. It is not necessary to specify items of furniture or carpets unless they are antiques.

The most we will pay for any ‘collection’ will be £5,000 in total unless it is individually specified under the contents section.

If the sum insured under this section of the policy is less than the cost of replacing all the insured items as new we will pay the cost of repair or replacement as new less a deduction for underinsurance.

If an item being claimed for is in a very poor condition, a deduction for wear and tear will be made.

Matching Suites or Sets – each individual item of a matching set or suite of furniture or soft furnishings is regarded as a single item. We will settle your claim only in respect of the individual item, which has been damaged, and we will then pay 50% towards any undamaged items that form part of the set.

Sum insured under the contents

insurance section of this policy

The sum insured under this section must represent not less than the cost of replacing all the insured items as new. Our liability in respect of loss or damage to the contents by any of the events mentioned above shall not exceed the sum insured shown in the schedule less any policy excess applicable

If you have insured an item for a specific amount (for example, a ring insured for £5,000), that is the most that will be paid for that item. This is why it is important that you review the valuations on specified items regularly. We recommend you do this at least every two years

INFLATION PROTECTION

We may adjust the sum insured shown in the schedule for contents in line with changes in the Consumer Durables Section of the Retail Price Index prepared by the Office for National Statistics or if for whatever reason this index is not available a suitable alternative index. We may do this every month and update your sum insured when your policy is due for renewal. This adjustment will continue to be made automatically following any report of damage provided the repairs or reinstatement are completed without any unreasonable delay on your part.

(24)

Personal Possessions

This cover applies only if your schedule shows that Personal Possessions cover is

included

We will pay for: We will not pay for: 1 Theft, accidental loss or damage to personal

possessions or such other items specified in the schedule while such personal possessions are within the United Kingdom and within the custody and control of the Insured (but see also Section 3 ‘Travel overseas’)

Any personal possession which is valued at more than £1,000 (the single article limit) unless individually specified in the schedule

Motorised pedal cycles, pedal cycles used for racing, pace making or testing, cycles not locked to an immovable object, and cuts and bursts to tyres Loss or damage to or theft of sports equipment while

in use

Loss or damage while participating in a sport Sports equipment used for water sports and winter

sports to include skiing, whether such equipment is or is not in use

Loss or damage to or theft of a horse riding saddle (to include stirrups and irons) and bridle (to include bits, reins and head collars)

Loss or damage to or theft of contact lenses, dentures whilst masticating, camping equipment, guns or tools Photographic equipment and musical equipment

used for professional or business purposes Loss or damage recoverable under the contents

section of this policy Loss or damage caused by

i) Wear and tear, depreciation, insects, vermin, dyeing, cleaning, repairing or renovation

ii) Electronic, electrical or mechanical breakdown or failure

iii) A gradual deterioration or a gradually operating cause

(25)

Personal Possessions (continued)

This cover applies only if your schedule shows that Personal Possessions cover is

included

We will pay for: We will not pay for:

Property more specifically insured by any other policy Loss or damage caused by theft from an unattended

motor vehicle unless

i) There is evidence that forcible and violent entry took place, and

ii) The personal possession was secured in a locked luggage boot and concealed by a parcel shelf or in a concealed compartment

Property more specifically insured under the Students Personal Effects Extension of this policy if this extension is shown as being in force on the current schedule

Personal possessions that have been left unattended at a place of work

Unattended golf clubs (either comprising part of a set or a complete set) and sports equipment, together with their parts and accessories

Loss by deception unless entry to the property is gained by deception

Chewing, scratching, fouling, urinating, vomiting or tearing caused by animals owned by you or by a member of your family

Accidental loss or damage to computer software or downloaded information

2 We will pay for loss of money in the custody or control of you or a member of your family The most we will pay is £500

Any loss due to confiscation, error or omission Any loss not reported to the police within 24 hours

of discovery

Any loss due to confiscation or detention by customs or other officials

(26)

Personal Possessions

This cover applies only if your schedule shows that Personal Possessions cover is

included

We will pay for: We will not pay for: 3 Travel overseas

Your property insured under this Personal Possessions section of your policy is also covered while in the custody of you or a member of your family while temporarily outside the United Kingdom subject to a maximum period of 70 days in any one period of insurance

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Settlement of Claims

Made under the Personal Possessions section of Contents Insurance

The maximum we will pay will be:

a) The sum insured for any one item, or

b) The total sum insured under the Personal Possessions section of this policy as detailed in the schedule providing that the value of the item does not exceed the current single article limit of £1,000 as also confirmed in the current schedule

Less any excess shown in the schedule

We will pay the cost of repair or

replacement of an item of personal

possessions as new, but:

a) Each individual item of a matching set is regarded as a single item and settlement of any claim will be made in respect only of an individual damaged item and we will then pay 50% towards any undamaged items that form part of the set.

b) Any item with an individual value in excess of £1,000, which has not been specified on the policy, will be subject to a deduction for underinsurance

c) But not loss in value if the value of the item costs less now than when it was purchased

i.e. If an item should have been specified at £1,500 calculation is as follows £1,000.00 / £1,500.00 x 100 = 66.6% insured (33.4% underinsured) £666.66 will be paid to you

INFLATION PROTECTION

The sums insured under this section are not index linked and should be frequently reviewed by the Insured. It is the responsibility of the Insured to ensure that the sum insured for any item is adequate to cover the cost of replacement at the time of any loss or damage occurring

(28)

Exclusions and

General Conditions

This insurance policy does not cover:

1 Any contingency arising from war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military force or coup

2 Loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, contributed to, resulting from or in connection with any act of terrorism. Terrorism is defined as including, but not limited to the use of biological, radiological, chemical and/or nuclear force or contamination and/or threat thereof, by any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear. Losses caused by or resulting from riot, riot attending strike, civil commotion, and vandalism and malicious mischief are not excluded hereunder

3 Loss or damage directly occasioned by pressure waves caused by aircraft travelling at sonic or supersonic speed 4 Loss or damage to any property or any resultant loss or expense or any legal liability directly or indirectly arising from:

i) Ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel

ii) The radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component

5 Any risk not specified in this policy

6 Any loss, damage or claim occurring or arising before the cover given under this policy commenced 7 Any loss or damage caused by a malfunction or defect of any part of the building or contents of the home Important Information

1 All premiums are inclusive of Insurance Premium Tax

2 Payment must be arranged with the Company either annually or by monthly instalments via a direct debit from a current bank account

3 We will let you know at least 14 days before each policy renewal date, your premium and any terms or conditions which will apply for the following period of insurance. If you wish to make any changes to your policy or decide not to renew this, please can you inform us as soon as possible and before the renewal date of the policy

4 If you are currently paying by direct debit, please note that these payments will continue automatically unless we receive confirmation in writing that either cover is to be cancelled or there are to be any changes made to your existing payment method

Existing Damage

Loss or damage occurring, or arising from an event prior to commencement of cover with the Company is excluded General Conditions

1 You must take all reasonable steps to protect the insured property, prevent damage or accident, minimise any losses or damage and maintain the insured property in a sound condition

2 If any claim or part of any claim is made fraudulently or falsely, the policy shall be cancelled with immediate effect and we will not provide cover for any fraudulent claim

(29)

Exclusions and

General Conditions (conditions)

i) Tell the police immediately if loss or damage is caused by theft or attempted theft, accidental loss, malicious

persons, vandals, riot, violent disorder, civil commotion, strike or labour disturbance ii) Tell the Company as soon as possible (but immediately if there is riot damage)

iii) Immediately send to the Company without acknowledging it, any summons or any other communication which suggests that a claim will be made against you or a member of your family who permanently reside with you iv) Give full details of the incident within 30 days and provide any supporting evidence, help or information required 4 The Company must be informed of any change of circumstances which increase the risk of loss, injury or damage 5 You must not admit, deny, negotiate or settle any claim without written consent from the Company

6 The Company is entitled to:

i) Enter any building where loss or damage has occurred and deal with the salvage (but no property may be abandoned to the Company)

ii) Take over the defence or settlement of any claim

iii) Start (or take over) at our own expense any legal action in your name to receive any compensation following you having made a claim against the Company either before or after we pay a claim

7 If at the time of a claim there is any other similar insurance the Company will only be liable for a proportionate share 8 If there is any difference as to the amount to be paid, and liability having been admitted, the dispute will be referred to

an arbitrator appointed jointly by you and the Company in accordance with the law at that time 9 Cancellation

i) You may at any time cancel the policy but such cancellation must be made in writing. You do not have the right to cancel the policy if a claim has been made by you or against you

ii) We may cancel the policy by sending a notice of cancellation giving not less than 14 days’ notice of intention to cancel to you at your last known address in which event you will receive a proportionate refund of the premium paid. Valid reasons include, but are not limited to:

- Where payment of a premium is not received. In this case, we will contact you requesting payment of the premium by a specific date. If we do not receive a payment by this date we will write to you again giving you 14 days’ notice of cancellation unless the payment is received during this time.

- Where we reasonably suspect fraud

iii) Where payment of premium is not received, we will assume that it is your intention to cancel the policy and any cover otherwise provided by this policy will cease from the date such payment was due

iv) If a claim has been submitted to the Company during the period of insurance shown on the current schedule, should the policy be subsequently cancelled by you during the same period of insurance, the full annual premium will be paid

10 The law of England and Wales will apply to this contract unless: i) You and we agree otherwise; or

ii) At the date of the contract you are a resident of Scotland, Northern Ireland, Channel Islands or the Isle of Man, in which case (in the absence of agreement to the contrary) the law of that country will apply

11 Your policy does not cover any loss or damage to individual items which malfunction as a result of computerised date changes. Examples of this are an alarm system failing, a video recorder breaking, a personal computer losing data or a central heating system ceasing to work. If that malfunction has further consequences (which are covered events) which cause damage to your home or the contents of your home (and you have the appropriate section of cover), the cost of repairing that damage will be met by your policy. For example, if your heating system breaks down, causing temperatures to drop, and pipes to freeze and burst, the cost of repairing the water damage will be covered. Equally, if

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Data Protection information

Data Protection Notice

Please read the following carefully as this contains important information concerning the information that you have confirmed to us. You must show this notice to any other party related to this insurance. We are required to send you this information to comply with current Data Protection legislation. This explains how we may use your details and explains about the systems which we have in place that allow us to detect and prevent fraudulent applications and claims. The savings that we make using these measures help to keep our premiums and products competitive

Data Protection Act 1998

All personal information supplied by you will be treated in confidence by Teachers Assurance and will not be disclosed to any third parties without your agreement or where permitted by law. In order to provide you with products and services this information will be held in the databases of Teachers Assurance or our agents. Teachers Assurance may pass your personal information to other companies for processing on its behalf. In all cases Teachers Assurance will ensure that this information is held securely and only used for the purposes for which you have provided it. Details of the companies involved can be provided upon request. Teachers Assurance would like to keep you informed (by telephone, post or email) of details of selected products and services available from us, which may be of interest to you. Should you not wish to receive these details then please can you let us know when you contact us

Fraud Prevention, Detection and Claims History In order to prevent and detect fraud we may, at any time:

1 Share information about you with other organisations and public bodies including the Police

2 Check and/or file your details with fraud prevention agencies and databases, and if you give us false or inaccurate information and we suspect fraud, we will record this. We and other organisations may also search these agencies and databases

to:-i) Help make decisions about the provision and administration of insurance, credit and related services for you and members of your household

ii) Trace debtors or beneficiaries, recover debt, prevent fraud and to manage your accounts or insurance policies iii) Check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity iv) Undertake credit searches and additional fraud searches

Claims History

Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd (IDS Ltd)

The aim is to enable us to check the information provided and also to prevent fraudulent claims. When we receive a request for insurance, we may search the register

Under the conditions of your policy, you must tell us about any incident, e.g. fire, escape of water damage, theft, or other accident, which may or may not give rise to a claim. When you tell us about an incident, we will pass information relating to this to the register

We may search these databases when you apply for insurance, in the event of any incident or claim, or prior to the renewal date of your policy to validate your claims history or that of any person or property likely to be involved in either the policy or the claim

Telephone Call Recording and Monitoring

Please note that telephone calls may be recorded and/or monitored

Exclusions and

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Endorsements

The following endorsement(s) apply to your insurance if the corresponding

endorsement code is shown on your schedule

BD01

Buildings - Property used for professional business or trade purposes

No cover is provided for loss by theft unless there are signs of violent and/or forcible entry or exit whilst the property is actually being used for Business purposes. Property owners’ liability is restricted to injury and/or damage in connection with the residential part of the property only and does not cover liability for injury and/or damage caused by any trade, profession or business use

BD02

Buildings - Being erected or altered

When the property (or any extension) is being erected or undergoing alteration the insurance is limited to loss or damage by the following risks only:

i) Fire, lightning, earthquake ii) Storm or flood

iii) Aircraft and other aerial devices or anything dropped from them

iv) Riot and Civil Commotion

For the purposes of this endorsement the term “property” (or “extension”) will include all materials on site but not temporary buildings, plant tools and equipment owned or hired by the contractor or any sub-contractor.

BD03

Buildings - Mining subsidence

This policy does not cover loss, destruction or damage caused by mining landslip, subsidence and/or heave

BD04

Buildings - Property intermittently occupied

When the property is unoccupied for more than 48 hours this policy will not cover:

i) Loss or damage by the bursting or overflowing of water tanks, apparatus or pipes

ii) Loss or damage by malicious persons or vandals iii) Loss or damage caused by theft or attempted theft

BD05

Buildings - Subsidence excluded

This policy does not cover loss, destruction or damage caused by landslip, subsidence and/or heave

BD06

Buildings - Accidental damage to underground pipes and drains excluded

This policy does not cover accidental damage to underground pipes or drains when caused by landslip, subsidence and/or heave

CT01

Contents - burglar alarm

Theft cover will not be provided unless the burglar alarm notified to the Company is activated at night and when the property is left unattended for any period of time

The alarm is to be subject to an annual service agreement by a suitably qualified person or Company

CT02

Contents mining subsidence

This policy does not cover loss, destruction or damage caused by mining landslip, subsidence and/or heave

CT03

Contents - Property intermittently occupied

When the property is unoccupied for more than 48 hours this policy will not cover:

i) Loss or damage by the bursting or overflowing of water tanks, apparatus or pipes

ii) Loss or damage by malicious persons or vandals iii) Loss or damage caused by theft or attempted theft iv) Tenant’s Liability

Figure

Updating...

References