OAK. HIGH VALUE HOME INSURANCE policy OAK UNDERWRITING PLC

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HIGH VALUE HOME INSURANCE

polic y

OAK

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CONTENTS

Claims and Assistance

2

Contract of Insurance

5

Definitions

6

Buildings

10

Contents

16

Valuables

24

Liabilities

28

Home Emergency Service

33

Legal Protection

38

General Conditions

48

General Exclusions

51

Claims Standards

52

Complaints

53

Data Protection

53

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Most claims, information and assistance services are available 24 hours a day, 7 days a week. Please quote ‘Oak Underwriting’ and your policy number when you telephone so that your call can be dealt with as quickly and efficiently as possible.

Business Hours Claims Reporting

Please notify your insurance intermediary or our claims department of a claim as soon as possible.

Telephone 0845 2303938

Fax 0845 2303930

Out-of-hours Claims Reporting

This emergency line is constantly manned if you need to report a claim outside business hours. As part of this service, the skilled operators will also for example, arrange hotel accommodation for you and your family or security guards to patrol your grounds. They are also able to arrange to give you access to specialist advice.

Telephone 0117 927 1807

Home Emergency Service

This service provides up to £1,000 (including VAT) for the call-out charge, labour costs, parts and materials to provide help with an emergency involving roof damage, the main heating system, plumbing and drainage, loss of the domestic power supply, failure of a toilet unit, home security, loss of keys or vermin infestation (including wasps). For full details of the cover please refer to pages 33-37.

Telephone 0117 927 1940

Legal Protection Claims

Please telephone DAS during office hours to request a claim form.

Telephone 0117 927 1807

Confidential Counselling

A confidential counselling service which includes, where appropriate, onward referral to relevant voluntary or professional services. Your calls will not be recorded.

Telephone 0117 934 2121

Identity Theft Protection

Guidance and advice can be given in respect of any concerns about being or becoming a victim of identity theft.

Telephone 0844 848 4279

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CLAIMS AND ASSISTANCE

Advice and Assistance Helplines

The advice and assistance helplines listed below are available 24 hours a day, 7 days a week and may be used as often as required. All helplines apply to the United Kingdom unless otherwise stated.

Where stated below you will be responsible for paying the costs for the assistance provided eg. repair costs or agency fees.

Telephone 0117 927 1807

EuroLaw Legal Advice

Confidential legal advice over the phone on any personal legal problem under the laws of the member countries of the European Union, the Isle of Man, the Channel Islands, Switzerland and Norway.

Tax Advice

Confidential advice over the phone on personal tax matters.

Health and Medical Information

Information over the phone on health and fitness and non-diagnostic advice on medical matters. Advice can be given on allergies, the side effects of drugs and how to improve general fitness. Information is available on self-help groups and hospital waiting lists. Your calls will not be recorded.

Domestic Assistance

Immediate assistance for domestic emergencies in your home such as burst pipes and roof damage. The trained operators will also, if required, arrange for an approved contractor to carry out the repairs at your own cost.

Veterinary Assistance

Assistance in finding an emergency vet who can offer treatment if your pet is ill or injured.

Emergency Childcare and Staff

Help following an emergency such as illness or injury in finding emergency childcare assistance, cleaning staff, housekeeping or other domestic help.

For your protection and to help DAS check and improve their service standards, all calls to them (other than for the health and medical information and counselling services) are recorded. DAS will not accept responsibility if the Helpline Services are unavailable for reasons they cannot control.

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C O N T R A C T O F I N S U R A N C E

On behalf of the subscribing insurersand subject to the terms, conditions, limits and exclusions of this insurance, wewill insure youagainst loss, damageor legal liability occurring during any period of insurancefor which wehave accepted payment of yourpremium.

This policy sets out clearly what is and what is not covered and, to assist you, any words with special meanings have been defined and are in bold. It is essential that youread yourpolicy, the scheduleand any endorsementsthat may be applicable very carefully. All these documents must be read together and any word or phrase which has been explained in this policy will have that meaning wherever it appears. If

yourpolicy, the scheduleand any endorsementsare incorrect in any way, please tell usimmediately so that wecan make the necessary changes.

The information youhave supplied, in addition to the proposal form, declaration and any supplementary questionnaires, forms the basis of this legal contract between youand us. You must therefore ensure that all the information given is accurate and that no material facts have been withheld. Also, please remember that youare required to tell usas soon as possible of any changes or information which will materially affect this insurance. Failure to do so may invalidate yourpolicy. If youare in any doubt as to whether a change is material, please contact us.

Unless some other law is agreed in writing, this policy is governed by English law or the law of where your homeis within the United Kingdom. If there is a dispute, it will be dealt with in the courts of England or of the country within the United Kingdom in which your homeis situated.

If youfind this insurance does not meet yourrequirements and youreturn it to uswithin 15 days of receiving it, wewill refund yourpremium in full provided youhave not made a claim.

R Trott

Managing Director

Oak Underwriting plc

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definitions

The words and phrases shown in boldhave special meanings and are either defined below or more specifically elsewhere in this insurance.

Buildings Your home, its outbuildingsand/or, where applicable, tenants improvements

including

1 interior decorations, fixtures and fittings, fitted appliances and climate control systems

2 swimming pools, ornamental fountains and ponds

3 hard tennis courts, terraces, patios, driveways, footpaths, walls, gates, fences and hedges

4 underground service pipes, cables, sewers, drains, domestic fuel tanks, externally fixed radio and television aerials, satellite dishes, their fittings and masts, solar panels and wind turbines

all belonging to you or for which youare legally responsible and which are of

standard construction.

Business Any professional activity or non-manual business youconduct at or from the office in your home.

Business contents Office furniture and equipment, stationery, office supplies, software, books, records and documents all belonging to thebusinessor for which the business

is legally responsible.

Contents The contents of your homeincluding

1 household goods and equipment, carpeting, furnishings, business contents, refrigerated, frozen and other food and drink, domestic heating oil

2 personal effects

3 outdoor and garden items

4 remote controlled power driven toys and models

5 motorised sit-in toy or miniature vehicles (including motorcycles providing they have an engine capacity of 50cc or less)

6 domestic garden maintenance equipment, motorised lawnmowers and power equipment

7 quad bikes (but only if used exclusively for the care of gardens, horses and pets or incidental farming activities)

8 trailers and non-motorised horseboxes up to 12 feet in length 9 golf trolleys, golf buggies, motorised and non-motorised wheelchairs 10moneyand credit cards

11 jewellery, watches and guns

all belonging to youor for which youare legally responsible but excluding i any part of thebuildings, tenants improvements, fitted furniture, fitted

appliances, fixtures and fittings

ii motor vehicles and watercraft, their keys and accessories (except as allowed for above)

iii aircraft including pedestrian controlled power driven toy and model aircraft iv caravans

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Credit card(s) Cheque, credit, charge, debit, cash dispenser and bankers’ card(s).

Damage/Loss Physical loss, physical damage or physical destruction.

Endorsement A change in details or a variation in the terms, conditions and/or exclusions of this insurance as stated in the schedule.

Excess(es) The amount(s) stated in the schedulethat wewill deduct from any claims settlement wemake. All claims arising out of one incident of lossor damage will be treated as one claim.

Fine art and antiques Individual items, collections and sets which are of artistic merit, historical value, novel, rare and/or unique including

1 antique and designer-made furniture, paintings, drawings, etchings, prints, photographs, tapestries, carpets, rugs, books and manuscripts

2 sculptures (inside or outside the home), ornaments, porcelain and glass 3 clocks, barometers, mechanical art and objets d'art

4 those made of precious metals or precious stones including gold, silver, platinum, pewter and plate

5 stamp and coin collections, wines, memorabilia and other collectibles such as models, dolls and guns

all belonging to youor for which youare legally responsible.

Fixtures & fittings All items that are fixed to and form part of the structure of your homeincluding 1 decorations including wallpaper, murals and stencilling

2 bathroom suites 3 fitted kitchens 4 fitted furniture 5 flooring.

Home The house or self-contained flat including outbuildingsand any tenants improvementsall at the address(es) shown in the schedule.

Money Yourpersonal money including

1 current cash, cheques, travellers cheques, postal orders, money orders and bank drafts

2 travel and other tickets and vouchers with a fixed monetary value, phone cards and current postage stamps

3 savings stamps and certificates, premium bonds and share certificates.

Outbuildings Free-standing permanent structures including

1 garages, stables, barns, studios, pool houses and summer houses 2 garden sheds, greenhouses and other similar structures.

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definitions

(continued)

Outdoor and garden items Those items designed to be left or used outdoors including garden furniture, children’s play equipment and (other than items of fine art and antiques) statues and ornaments.

Period of insurance The period for which this insurance is in force as shown in your schedule.

Personal effects Clothing, baggage and items worn, used or carried by youincluding 1 furs

2 spectacles, contact lenses and hearing aids

3 photographic, mobile communication and computer equipment

4 pedal cycles, saddles, tack, hand or wind propelled watercraft (up to 12 feet in length), other sports equipment and specialist clothing and other similar items all belonging to youor for which youare legally responsible.

Schedule That part of this insurance which shows current details of the policyholder, the

period of insurance, the property insured, the covers in force, the sums insured

and any excess(es)and endorsementswhich apply.

Standard construction Buildings constructed of brick, stone or concrete and roofed with slates, tiles, asphalt, metal or concrete.

Subscribing insurers/they/them/their The subscribing insurers are certain underwriters at Lloyd’s (whose contracts carry the seal of the Lloyd’s Policy Signing Office) and certain insurance companies whose names and the percentage share each has taken on is available to youon request. Each subscribing insurer is only liable for that insurer’s own share of the risk and not for any other share. The subscribing insurers’obligations are several and not joint and are solely limited to the extent of theirindividual subscriptions. The subscribing insurersare not responsible for the subscription of any co-subscribing insurer who, for any reason, does not satisfy all or part of its obligations.

Sum insured Each sum insuredor agreed value stated in the schedule.

Tenants improvements Improvements, alterations, decorations which have been undertaken, as tenants, by

youor previous occupiers but not if covered by the landlord's or any other insurance.

Terrorism Any act(s) of any person(s) or organisation(s) involving

1 the causing, occasioning or threatening of harm of whatever nature and by whatever means

2 putting the public or any section of the public in fear

in circumstances in which it is reasonable to conclude that the purpose(s) of the person(s) or organisation(s) concerned are wholly or partly of a political, religious, ideological or similar nature.

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Unfurnished At the time of the loss ordamage thehome has not been sufficiently furnished for normal living purposes for more than 30 consecutive days.

Unoccupied At the time of the loss ordamage thehome, although furnished, has not been lived in for more than 60 consecutive days.

Valuables Fine art and antiques, jewellery, watches and guns, all belonging to youor for which youare legally responsible.

We/us/our Oak Underwriting plc, Cromwell Park, Chipping Norton, Oxfordshire, OX7 5DF who have effected and signed this insurance on behalf of the subscribing insurersin accordance with the authorisation granted under contracts issued by such

subscribing insurersto us.

You/your/policyholder The person(s) named in the scheduleas the policyholder, all permanent members of yourhousehold (including resident domestic staff and those in full-time

education) and, where applicable, yourlegal personal representatives.

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buildings

How we will settle claims

Wewill pay the cost of restoring, repairing or rebuilding insured damageto buildingsor tenants improvements

provided that such work is carried out but not the cost of extending, refurbishing or improving the buildingsor tenants

improvements.

Wewill also pay the reasonable and necessary costs for

1 architects, surveyors, consulting engineers, legal and other fees to repair, rebuild or replace the buildings

2 clearing the site and making the site and homesafe

3 complying with government or local authority requirements (provided the buildingswere originally built according to any government and local authority regulations in force at the time)

butwe will not pay

i fees and costs relating to undamaged parts of the buildings

ii fees and costs incurred in preparing yourclaim

iii costs for any requirements notified to youbefore the damageoccurred.

Wewill pay up to 150% of the sum insuredif, at inception and or any subsequent renewalyou have provided uswith, and wehave accepted, a full independent professional valuation which, at such inception date or last renewal date (whichever is the later), is no more than three years old. Where you have not provided such a valuation or it is more than three years old, wewill pay up to the sum insured. In both instances wewill also pay any increase resulting from the automatic monthly application of the Royal Institution of Chartered Surveyors House Rebuilding Cost Index or similar appropriate index. (Renewal premiums will be calculated on the adjusted index-linked sum insured.)

After arriving at a claims settlement, wewill deduct the applicable excessbefore paying the claim. Where a claim exceeds £25,000 no excesswill be deducted. However, this waiver does not apply to claims resulting from subsidence, landslip or heave or any home unoccupiedor unfurnishedat the time of the loss.

The sum insuredwill not be reduced after the payment of a claim provided youcarry out any reasonable recommendations wemake to reduce any further loss, damageor injury.

The cover

Wewill insure you for damageto buildings

during the period of insurance

The exclusions

butwewill not pay for

1 any lossor damagefor which compensation will be provided or which, but for the existence of

this insurance, would have been provided under any contract, legislation, guarantee or other more specific insurance

2 the cost of routine maintenance and decoration 3 damageresulting from any building works and/or

heat processes (including restoration, repair, redecoration, maintenance or other similar work) where

i the estimated value of the works is £50,000 or more and/or

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ii youhave entered into a contract which, in any way, removes or limits yourlegal rights against the contractor

4 damagecaused by or comprising

i frost to swimming pools, ornamental ponds and fountains including damageto the associated pipe work, plant and equipment

ii storm or flood to gates, hedges, fences, trellises and similar fixtures

iii inherent defect, defective design, defective workmanship, the use of defective materials, misuse, deliberate acts by you

iv demolition, alteration, construction, cleaning, renovation, repair, restoration or similar process v atmospheric or climatic conditions, exposure to light, rot, rising damp, fungus, mould, infestation, insects

vi vermin other than by squirrels in a sudden, identifiable and unexpected event vii chewing, scratching, tearing or fouling by

domestic pets

viii normal settlement, shrinkage, warping, corrosion, wear and tear or other gradually operating causes including but not limited to rust, oxidation, smoke, smudge and any deterioration of the

buildings

ix subsidence, landslip or heave of the site on which the buildingsstand

a to swimming pools, swimming ponds, ornamental ponds, fountains, hard tennis courts, terraces, patios, driveways, footpaths, boundary and garden walls, gates, fences, septic tanks and fixed domestic heating fuel tanks unless there is damageto thehomeat the same time and by the same cause b resulting from coastal or river erosion;

demolition, construction, structural alteration or structural repair; the movement of solid floor slabs unless there is damageto the foundations under the external walls at the same time and by the same cause; new structures bedding down; the settling of newly made up ground; foundations which fail to meet the building regulations applicable at the time of construction

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Wewill also pay

1 Reward

A reward of up to £5,000 to any individual or organisation (but not youor the police) for information leading to the arrest and conviction of any person(s) who committed a criminal act which resulted in damagewhich is the subject of an insured claim.

2 Alternative accommodation and loss of rent following insured damage

The necessary and reasonable costs of alternative accommodation for you, yourpets and horses, and the cost of taking the contentsof your hometo the alternative accommodation as well as loss of rent and ground rent payable to youfor up to 5 years from the date of the damagewhere as a direct result of insured damagecovered under this policy, the home

cannot be lived in provided yourpolicy remains in force throughout

5 damagewhilst the homeis unoccupiedcaused by i theft, attempted theft, vandalism and malicious

acts unless, from the outset, all security

protections are in full and effective operation and the homeis inspected internally at reasonable intervals by an authorised person

ii frost damageto or water freezing in or suddenly leaking from fixed domestic water and heating installations, water beds, fish tanks and domestic appliances unless from the outset the water supply is turned off at the mains and all systems (to include fixed water tanks, apparatus and pipes) drained or the homeis heated to a constant minimum temperature of 10°C and the homeis inspected internally at reasonable intervals by an authorised person

6 damagewhilst the homeis unfurnishedcaused by i theft, attempted theft, vandalism and malicious

acts

ii frost damageto or water freezing in or suddenly leaking from fixed domestic water and heating installation, water beds, fish tanks and domestic appliances

iii oil leaking from any fixed domestic heating installation.

but wewill not pay any costs

1 recoverable elsewhere including, if insured by your

landlord, loss of rent and ground rent payable by you

2 incurred before youobtained ourconsent unless immediate action was required for safety reasons.

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but wewill not pay any costs

1 recoverable elsewhere including, if insured by your

landlord, loss of rent and ground rent payable by you

2 incurred before youobtained ourconsent unless immediate action was required for safety reasons.

but not whilst thehome isunoccupiedor

unfurnished.

but wewill not pay

1 more than £1,000 for any one tree, plant or shrub 2 for any damageto paddocks and woods

3 costs relating to any undamaged part of the gardens.

3 Alternative accommodation and loss of rent following forced evacuation

The necessary and reasonable costs of alternative accommodation for you, yourpets and horses, as well as loss of rent and ground rent payable to you

for up to 1 year from the date of evacuation where

youare prohibited access to the homeby a local or police authority as a direct result of damageto neighbouring property which would otherwise have been covered by this insurance had your homebeen damaged

4 Underground services

The cost of repairing or replacing underground service pipes, cables, sewers and drains for which youare legally responsible following accidental damage.

5 Tracing leaks

Wewill pay the cost of tracing the source of an escape of water, gas or oil from inside the home from any fixed domestic water or heating installation and any resulting repairs to floors, walls and ceilings. Wewill pay up to £50,000 for the cost of tracing the source of an escape of water or oil from underground service pipes outside the homefor which youare legally responsible.

6 Domestic oil leakage

Up to 5% of the buildings sum insuredbut no more than £50,000 in any one period of insurance

for the cost of clearing up contamination or pollution of soil and/or water at the homecaused by a sudden, unforeseen and identifiable oil leakage from your

domestic oil installation.

7 Loss of metered water and leakage of oil

Up to £50,000 any one claim for the lossof metered water or oil from any domestic fixed water or heating installation

8 Garden re-landscaping

Up to 10% of the buildings sum insuredin any one

period of insurancefor the re-landscaping of the gardens of your homefollowing damageat the

homeresulting from fire, lightning, explosion, theft, attempted theft, impact by vehicles and aircraft, civil disturbance, vandalism or malicious acts, falling trees, telegraph poles, lamp posts or pylons

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9 Trespass protection

Up to £10,000 in any one period of insuranceto restore the land at your hometo the same condition immediately prior to the damageoccurring following any unlawful trespassing, including the removal of any item(s) left behind by the trespassers and any other costs incurred by youthat are not covered under the garden re-landscaping section of this policy.

10 Temporary removal of fixtures

Up to 10% of the buildings sum insuredfor insured damageduring the period of insurance to permanent fixturesremoved from the buildingsfor up to 60 days for repair, restoration or safekeeping

11 New fixtures and fittings

Up to 10% of the buildings sum insuredfor

damageto new fixtures and fittings, fitted furniture and fitted appliances being installed in the

homeprovided that younotify uswithin 60 days of the date of delivery and pay any reasonable additional premium werequire. If youdo not notify uswithin the time allowed, wereserve the right not to insure the item(s) concerned

12 Unfixed building materials

Up to 10% of the buildings sum insuredbut no more than £50,000 for damageto newly acquired unfixed building materials and supplies owned by you

and kept within the boundaries of your homefor use in the construction, maintenance or alteration of

your home

13 Locks and keys

Wewill pay for the cost of replacing the keys to the

home including alarms, safes and strong rooms of the homewhere the keys have been lost or stolen. Where there is no immediate security risk, youmust obtain ourwritten agreement before any locks are replaced.

No excesswill be applied to a claim.

14 Emergency access

Up to £1,000 towards the cost of repairing your homeas a result of damagefollowing forcible entry to your hometo attend a medical emergency.

but wewill not pay for damageto fixturesin transit or in an unattended vehicle unless all reasonable means of safeguarding the fixtureshave been used.

but we will not pay

1 if the installation requires any structural alterations to the buildings

2 if there is a contractual requirement for youto effect specific insurance or if the contractor is required to be a joint policyholder

3 for items which have been left in the open.

but we will not pay where

1 a structural alteration is required to the buildings

2 youhave entered into a contract which, in any way, removes or limits your legal rights against the contractor unless agreed by usin writing beforehand and any resultant additional premium is paid for.

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15 Upgrading security systems

Up to £10,000 towards the cost of the upgrading of the home’salarm and security systems following a physical criminal assault at the homeduring the

period of insurance

16 Preventative measures

Wewill pay up to £2,500 towards the cost of preventing or mitigating a future loss by the same peril following an insured loss exceeding £25,000 caused by escape of water, fire, flood or storm

17 Special alterations to the home

Up to £25,000 towards the cost of essential alterations to or adaptations of the home

necessitated by your identifiable physical injury caused directly by a sudden and unforeseen accident during the period of insurance.

18 Fatal injury

Wewill pay £50,000 per person over 16 years of age and £5,000 per person under 16 years of age if you

suffer an identifiable physical criminal assault at your homeor anywhere in the United Kingdomor injury as a result of fire, lightning, impact by aircraft or

explosion in your homeduring the period of insurance

from which yousubsequently die within 12 months

19 Interested parties

The bank, building society or other institution shown in the scheduleas having an interest in the buildings

will be treated as a joint policyholder. Weagree to comply with the institutions usual conditions provided a these have been lodged with us

b always that such conditions are not inconsistent with the scope of cover provided by this insurance.

20 Selling the home

The buyer of your homewill be entitled to the benefit of the cover provided for damageto the

buildingsfor the period from exchange of contracts (or, if the homeis in Scotland,your acceptance of the offer to purchase) to the completion of the sale, subject always to the terms, conditions and exclusions of this insurance

21 Contents of a let home

Up to £5,000 for damageto the carpets, curtains and domestic appliances where your homeis let unfurnished

but we will not pay

1 any costs incurred before youobtain ourconsent unless immediate action was required for safety reasons 2 outside the period of insurance unless

cover continues to be provided by this insurance.

but we will not pay

1 unless the buildingsare in a good state of repair 2 for the cost of routine maintenance and decoration.

This cover is not available following accidents to domestic employees.

but we will not pay for resident domestic employees.

but wewill not pay

1 the buyer’s cost of alternative accommodation and loss of rent

2 if the buildingsare more specifically insured by the purchaser or on the purchaser’s behalf.

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CONTENTS

How we will settle claims

Wewill, following lossor damagerepair or pay for or replace any lost or damaged article as if it were new.

Unless specifically amended in the schedule, wewill not pay more per claim than the limits shown below for the categories listed. These limits form part of and do not in any way increase the total contents sum insured.

Jewellery and watches, including unset precious or semi-precious stones £ 5,000 in total

Guns £ 5,000 in total

Business contents £20,000 in total

Hand or wind propelled watercraft (up to 12 feet in length) £ 5,000 in total Trailers and non-motorised horseboxes (up to 12 feet in length) £ 5,000 in total Quad bikes and sit-in toy or miniature vehicles £10,000 in total Sit-on or sit-in domestic gardening equipment £10,000 in total

Outdoor and garden items 10% of the contents sum insured

Wewill pay up to 125% of the sum insuredif, at inception and/or any subsequent renewal youhave provided us with, and wehave accepted, a full independent professional valuation which, at such inception date or last renewal date (whichever is the later), is no more than three years old. Where youhave not provided such a valuation or it is more than three years old, wewill pay up to the sum insured. In both instances wewill also pay any increase resulting from the automatic monthly application of the Consumer Durables Household Goods section of the Retail Price Index or similar appropriate index. (Renewal premiums will be calculated on the adjusted sum(s) insured.)

The sum insuredwill not be reduced after the payment of a claim on condition that youcarry out any reasonable recommendationswemake to reduce any further loss, damageor injury.

After arriving at a claims settlement, wewill deduct the applicable excessbefore paying the claim. Where a claim exceeds £25,000 no excesswill be deducted. However, this waiver does not apply to claims resulting from subsidence, landslip or heave or any home unoccupiedor unfurnishedat the time of the loss.

Wewill own and have the right to take possession of any item, pair or set for which wehave paid the full sum insured

before deduction of the applicable excess.

The cover

Wewill insure youfor lossof or damageto contents

anywhere in the world during theperiod of insurance

The exclusions

but wewill not pay for

1 any lossor damagefor which compensation will be provided or which, but for the existence of this insurance, would have been provided under any contract, legislation, guarantee or other more specific insurance

2 damageresulting from any building works (including restoration, repair, redecoration, maintenance or other similar work including heat processes) where

i the estimated value of the works is £50,000 or more and/or

ii youhave entered into a contract which, in any way, removes or limitsyourlegal rights against the contractor

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3 damagewhilst in transit or in an unattended vehicle unless all reasonable means of safeguarding the insured items have been used 4 lossor damageto

i any motorised wheelchair, golf trolley, golf buggy, quad bike or motorised sit-in toy or miniature vehicle, trailer and non-motorised horseboxes being used in circumstances where any road traffic legislation applies

ii any quad bike being used

a by any person under 17 years old b for any purpose other than horse and

pet care, gardening or incidental farming activities

5 damagecaused by or comprising

i inherent defect, defective design, defective workmanship, the use of defective materials, misuse, deliberate acts byyou

ii alteration, cleaning, renovation, repair, restoration, re-framing or similar process

iii atmospheric or climatic conditions, exposure to light or extremes of temperature (unless caused by

damagewhich is not excluded), frost, moisture, aridity, humidity, rot, rising damp, fungus, mould, infestation, insects

iv vermin other than by squirrels in a sudden, identifiable and unexpected event

v chewing, scratching, tearing and fouling by domestic pets

vi normal settlement, shrinkage, warping, corrosion, wear and tear, other gradually operating causes including but not limited to rust, oxidation, smoke and smudge

6 damagewhilst the homeis unoccupiedcaused by i theft, attempted theft, vandalism and malicious

acts unless, from the outset, all security

protections are in full and effective operation and the homeis inspected internally at reasonable intervals by an authorised person

ii frost damageto or water freezing in or suddenly leaking from fixed domestic water or heating installations, water beds, fish tanks and domestic appliances unless, from the outset, the water supply is turned off at the mains and all systems drained or the homeis constantly heated to a minimum temperature of 10°C and the homeis inspected internally at reasonable intervals by an authorised person

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7 damage whilst the homeis unfurnishedcaused by i theft, attempted theft, vandalism and malicious

acts

ii frost damageto or water freezing in or suddenly leaking from fixed domestic water and heating installation, water beds, fish tanks and domestic appliances

iii oil leaking from any fixed domestic heating installation

8 loss following damageto the buildingswhich is excluded by the Buildingspart of this insurance (whether in force or not) resulting from subsidence, landslip or heave of the site on which the buildings

stand

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Wewill also provide cover for

1 Reward

The payment of a reward of up to £5,000 to any individual or organisation other than youand the police for information leading to the arrest and conviction of any person(s) who committed an illegal act which resulted in losswhich is the subject of an insured claim.

2 Alternative accommodation and loss of rent following insured damage

The necessary and reasonable costs of

a alternative accommodation for you, yourpets and horses and the cost of taking the contentsof

your hometo the alternative accommodation as well as loss of rent and ground rent payable by

youfor up to 5 years

b loss of rent and ground rent payable to youfor up to 3 years

from the date of thedamagewhere as a direct result of insured damagecovered under this policy, the

homecannot be lived in provided yourpolicy remains in force throughout

3 Alternative accommodation and loss of rent following forced evacuation

The necessary and reasonable costs of

a alternative accommodation for you, yourpets and horses as well as loss of rent and ground rent payable by or to youfor up to 1 year from the date of evacuation

b up to £5,000 for emergency clothing or other emergency provisions that youneed

where youare prohibited access to the homeby a local or police authority as a direct result of damage

to neighbouring property which would otherwise have been covered by this insurance had your home

been damaged

4 Spoilage of food

The spoilage of food and drink in your refrigerators and freezers caused by their accidental failure.

Wewill also pay up to £250 towards the reasonable cost of hiring an alternative refrigerator or freezer provided that youdo all that is possible to minimise the period of hire.

No excesswill be applied to a claim.

but wewill not pay any costs

1 recoverable elsewhere including, if insured by your

landlord, loss of rent and ground rent payable by you

2 incurred before youobtained ourconsent unless immediate action was required for safety reasons.

but wewill not pay any costs

1 recoverable elsewhere including, if insured by your

landlord, loss of rent and ground rent payable by you

2 incurred before youobtained ourconsent unless immediate action was required for safety reasons.

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5 Loss of metered water and leakage of oil

Up to £50,000 any one claim for the lossof metered water or oil from any domestic fixed water or heating installation

6 Contents of guests and non-resident domestic staff

Wewill pay for damagein the hometo the

contentsof guests and non-resident domestic staff

7 Digital music, video and photographs

Up to £5,000 any one claim for the cost of replacing or restoring yourpersonal digital music files, personal digital video files and personal digital photographs following insured damage

8 Personal documents and title deeds

Up to £50,000 any one claim for the cost of replacing or restoring yourpersonal documents, computer records and title deeds following insured damage

9 Business documents

Up to £5,000 any one claim for the cost of replacing or restoring your businessdocuments and computer records following insured damage

10 Locks and keys

Wewill pay for the cost of replacing the keys to the

home including alarms, safes and strong rooms of the homewhere the keys have been lost or stolen. Where there is no immediate security risk, youmust obtain ourwritten agreement before any locks are replaced.

No excess will be applied to a claim.

11 Marquees

Up to £20,000 for lossor damageto a marquee and associated lighting, heating and furnishings that

youhire temporarily and are legally responsible for whilst in the boundaries of your home

but not whilst the homeis unoccupiedor

unfurnished.

but wewill not pay for lossof or damageto 1 moneyor credit cards

2 jewellery, watches and guns 3 contentsinsured elsewhere.

but wewill not pay for

1 the cost of replacing or restoring any bespoke computer operating system or software 2 any illegal material.

but wewill not pay for the cost of replacing or restoring any bespoke computer operating system or software.

but wewill not pay for the cost of replacing or restoring any bespoke computer operating system or software.

(22)

12 Gifts

Up to 25% of the contents sum insuredfor lossto gifts and additional provisions occurring 30 days before and 30 days after a wedding, anniversary, birthday, religious or other celebration.

13 New acquisitions

Up to 25% of the existing contents sum insuredfor newly acquired contentson condition that you

notify uswithin 60 days of the acquisition and pay the full additional premium werequire. If youdo not notify uswithin the time allowed, wereserve the right not to insure the item(s) concerned.

14 Tracing leaks

Wewill pay the cost of tracing the source of an escape of water, gas or oil from inside the home

from any fixed domestic water or heating installation and any resulting repairs to floors, walls and ceilings

15 Garden re-landscaping

Up to 10% of the contents sum insuredin any one

period of insurancefor the re-landscaping of the gardens of your homefollowing damageat the

home resulting from fire, lightning, explosion, theft, attempted theft, impact by vehicles and aircraft, civil disturbance, vandalism or malicious acts, falling trees, telegraph poles, lamp posts or pylons

16 Removal by professional contractors

Damageto contentsin the course of removal by professional removal contractors between your homeand any new residence insured by usincluding temporary storage of up to 30 days

17 Student’s possessions

Up to 20% of the contents sum insuredfor lossor

damageto the contentswhilst at boarding school, college, university or at any other student

accommodation including transit there and back

but wewill not pay

1 if youare not the tenant or leaseholder

2 for any damageto communal areas of the buildings

3 for any damageinsured elsewhere.

but wewill not pay

1 if youare not the tenant or leaseholder

2 more than £1,000 for any one tree, plant or shrub 3 for any damageto paddocks and woods

4 costs relating to any undamaged part of the gardens 5 for any damageto communal garden areas 6 for any damageinsured elsewhere.

but wewill not pay for

1 loss or damageto any item in transit unless it has been packed relative to its value and method of transportation

2 any damagewhich occurred outside the period of insuranceunless cover continues to be provided by this insurance

3 any damageinsured elsewhere.

but wewill not pay for lossof or damageto 1 money and credit cards

(23)

18 Relative’s possessions

Up to 20% of the contents sum insuredfor lossor

damageto the contentsowned by yourparents or

yourgrandparents who are resident in a nursing home or residential care home

19 Contents not usually kept in the home

Up to 20% of the contents sum insured for loss or

damage to the contentswhilst at

a any private residence owned or lived in by you

but not insured by this insurance b yourcaravan or beach hut c yourplace of work

20 Contents in storage

Up to a maximum of 20% of thesum insuredfor

damageto contentsin a commercial storage facility in the United Kingdom for a maximum of 30 days caused by fire, lightning, explosion, smoke, storm, flood, theft, attempted theft, collision, impact, civil disturbance, vandalism and/or malicious acts

You must provide uswith full details and pay the full additional premium if the percentage of the

sum insuredin storage is higher than 20% of the

contents sum insured, the period of storage is to exceed 30 days or the storage facility is outside the

United Kingdom.

21 Money

We will pay

a up to £5,000 for lossof yourpersonal money

b up to £30,000 in any one period of insurance

for personal losscaused by the forgery or alteration of any cheques oryouracceptance, in good faith, of forged bank notes

22 Credit cards

Wewill pay up to £50,000 for the unauthorised or fraudulent use of yourpersonal credit cards

but wewill not pay for lossof or damageto 1 money and credit cards

2 contents insured elsewhere.

but wewill not pay for lossof or damageto 1 money and credit cards

2 jewellery, watches and guns

3 contentsin any unoccupied or unfurnished home

4 contents insured elsewhere.

but wewill not pay for damageto contentsinsured elsewhere.

but wewill not pay

1 moneyin transit in an unattended vehicle or in an hotel or other temporary accommodation unless all reasonable means of safeguarding the insured items have been used

2 for lossof value, confiscation or shortages due to

your error or omission.

but wewill not pay for

1 fraudulent use by any person related to you

2 anylosswhere youhave breached the terms and conditions of use.

(24)

23 Emergency access

Up to £1,000 towards the cost of repairing or replacing the contentsas a result of damage

following forcible entry to your hometo attend a medical emergency.

24 Preventative measures

Wewill pay up to £2,500 towards the cost of preventing or mitigating a future lossby the same peril following an insured lossexceeding £25,000 caused by escape of water, fire, flood or storm

25 Special alterations to the home

Up to £25,000 towards the cost of essential alterations to or adaptations of the home

necessitated by youridentifiable physical injury caused directly by a sudden and unforeseen accident during theperiod of insurance.

26 Fatal injury

Wewill pay £50,000 per person over 16 years of age and £5,000 per person under 16 years of age if you

suffer an identifiable physical criminal assault at your homeor anywhere in the United Kingdomor injury as a result of fire, lightning, impact by aircraft or

explosion in your home during the period of insurance

from which yousubsequently die within 12 months

but wewill not pay

1 unless the buildingsare in a good state of repair 2 for the cost of routine maintenance and decoration.

This cover is not available following accidents to domestic employees.

(25)

VALUABLES

How we will settle claims

Fine art and antiques

Wewill pay up to the appropriate sum insuredcalculated on the following basis:

For total losses Wewill

a pay the sum insuredfor any individually listed item, pair or set

b pay for or replace at ouroption any item, pair or set not individually listed up to its market value at the time of the loss

but no more than £25,000.

For partial losses

Wewill pay the restoration costs plus any resulting depreciation in value but no more than the unlisted item limit of £25,000 or the individually listed sum insured, whichever is lower.

Jewellery, watches and guns

Wewill pay up to the appropriate sum insuredcalculated on the following basis:

For total losses

Wewill pay for or replace at our option any

a individually listed item, pair or set for the sum insured

b item, pair or set not individually listed up to £10,000, but no more than i the market value at the time of the lossfor antique and investment items ii the current cost as new for all other items.

For partial losses

Wewill pay the restoration or repair costs plus any resulting depreciation in value but no more than the unlisted item limit of £10,000 or the individually listed sum insured, whichever is lower.

Fine art and antiques, jewellery and watches

The amount wewill pay will be increased to the market value but not more than 150% of an individually listed sum insuredwhere at inception, at renewal and when adding individually listed items youhave provided uswith, and wehave accepted, an independent professional valuation or purchase receipt which is no more than three years old.

All claims

After arriving at a claims settlement, wewill deduct the applicable excessbefore paying the claim. Where a claim exceeds £25,000 no excesswill be deducted. However, this waiver does not apply to claims resulting from subsidence, landslip or heave or any home unoccupiedor unfurnishedat the time of the loss.

Wewill own and have the right to take possession of any item, pair or set for which wewould, but for the deduction of the applicable excess, have paid the full sum insured.

(26)

The cover

Wewill insure youfor lossof or damageto valuables

anywhere in the world during theperiod of insurance

Wewill also provide cover for

1 Reward

A reward of up to £5,000 to any individual or organisation (but not youor the police) for information leading to the arrest and conviction of any person(s) who committed a criminal act which resulted in damagewhich is the subject of an insured claim.

2 Gifts

Up to 25% of the total sums insuredfor

1 fine art and antiquesfor damageto gifts of the same category

2 jewellery, watches and guns for damageto gifts of the same category

occurring 30 days before and 30 days after a wedding, anniversary, birthday, religious or other celebration.

The exclusions

but wewill not pay for any lossor damage

1 excluded under the Contentspart of this insurance (whether in force or not)

2 to valuablesin transit, in an unattended vehicle or in an hotel or other temporary accommodation unless all reasonable means of safeguarding the insured items have been used

3 for damagecaused by or comprising

i inherent defect, defective design, defective workmanship, the use of defective materials, misuse, deliberate acts by you

ii alteration, cleaning, renovation, repair, restoration, re-framing or similar process

iii atmospheric or climatic conditions, exposure to light or extremes of temperature (unless caused by damagewhich is not excluded), frost, moisture, aridity, humidity, rot, rising damp, fungus, mould, infestation, insects

iv vermin other than by squirrels in a sudden, identifiable and unexpected event

v chewing, scratching, tearing and fouling by domestic pets

vi normal settlement, shrinkage, warping, corrosion, wear and tear, other gradually operating

causes including but not limited to rust, oxidation, smoke and smudge.

(27)

3 New acquisitions

Up to 25% of the total sums insuredfor

1 fine art and antiquesfor damageto newly acquired items of the same category

2 jewellery, watches and guns for damageto newly acquired items of the same category on condition that younotify uswithin 60 days of the acquisition and pay the full additional premium we

require. If youdo not notify uswithin the time allowed, wereserve the right not to insure the item(s) concerned.

4 Temporary removal from bank or safe deposit

Up to a maximum of £50,000 for damageto

valuablesnoted on theschedule as kept inyour

bank whilst temporarily removed from yourbank or safe deposit for up to 30 days in any one period of insurance.

5 Death of artist

The amount wewill pay will be increased to the market value but no more than 200% of an individually listed sum insuredfollowing the death of the artist during the period of insurance, provided that youhave an independent professional valuation no more than three years old

6 Defective title

Wewill pay up to £25,000 of an individually listed

sum insuredif during the period of insurancea person proves that youdo not have good title to the item and youare legally required to return it to its rightful owner

but wewill not pay for

1 more than £100,000 in any one period of insurance

2 any lossafter the initial six months following the death of the artist.

but wewill not pay for

1 items not insured with usat the time of purchase 2 items purchased through an auctioneer or dealer

who is not a member of at least one of the following

i British Antique Dealers Association

ii Royal Institute of Chartered Surveyors Fine Art Faculty

iii Society of Fine Art Auctioneers

iv and any other recognised professional association agreed by usin writing prior to purchase.

(28)

7 Fine art and antiques in storage

Up to a maximum of 20% of the sum insuredfor

damageto fine art and antiquesin a commercial storage facility in the United Kingdomfor a maximum of 30 days caused by fire, lightning, explosion, smoke, storm, flood, theft, attempted theft, collision, impact, civil disturbance, vandalism and/or malicious acts. Youmust provide uswith full details and pay the full additional premium if the percentage of the sum insuredis higher than 20%, the period of storage is to exceed 30 days or the storage facility is outside the United Kingdom.

8 Removal by professional contractors

Accidental damageto fine art and antiquesin the course of removal by professional removal contractors between your homeand any new residence insured by usincluding temporary storage of up to 30 days

but wewill not pay for

1 lossor damageto any item in transit unless it has been packed relative to its value and method of transportation

2 any damagewhich occurred after the period of insuranceunless cover continues to be provided by this insurance

(29)

LIABILITIES

How we will settle claims

We will pay provided yourliability is not excluded under this section or under the general exclusions up to the limits stated in the schedule or any limit specifically stated below for any liability as set out below incurred by youas a direct result of any accident arising out of one sudden and unforeseen event plus costs and expenses awarded against youor incurred by

youwith ourprior written consent but we will not pay for

1 fines, penalties or for damages intended only to punish youor to make an example of you

2 the cost of putting right any defect or alleged defect.

All claims caused directly or indirectly by one accident will be treated as one claim. All pollution or contamination arising out of one accident will be treated as having happened at the time the accident took place. No excess will be applied to a claim.

The cover

1 Property owners liability

Wewill pay up to the limit stated in the schedulefor

yourlegal liability for damages which youhave to pay as compensation for any accidents occurring during the period of insurancewhich result in bodily injury to or illness of any person or damageto property arising

a from your ownership of the home

b from yourownership of newly acquired land on condition that younotify uswithin 60 days of the acquisition and pay the full additional premium werequire

c under Section 3 of the Defective Premises Act 1972 or Article 5 of the Defective Premises (Northern Ireland) Order 1975 where youwere the owner of anyhome youwere occupying at the time of its sale or disposal

The exclusions

but wewill not pay foryourliability arising from 1 damageto property belonging to you, in yourcare

or in the care of yourdomestic or businessemployees 2 bodily injury to or illness contracted by youor any

person employed by you

3 any contract unless youwould have been liable had the contract not existed

4 the use of mechanically or electrically propelled vehicles other than domestic garden equipment 5 any trade, businessor professional activity other

than ownership of the home

6 any dog described in Section 1(1) of the Dangerous Dogs Act 1991 or the Dangerous Dogs (Northern Ireland) Order 1991 or any amending or subsequent legislation

7 the transmission of any communicable disease, condition, syndrome or virus

8 pollution or contamination of air, water or soil which

youcannot prove was caused by a sudden,

identifiable, unintended and unexpected accident that took place in its entirety at a specific time and place 9 accidents where youare entitled to indemnity under

any other insurance

10 any damages, including any costs and expenses, exceeding £1,000,000 from yourownership of any newly acquired land

11 newly acquired land for the purpose of property development, farming activities or any trade,

businessor professional activity

12 newly acquired land with existing structures

(30)

2 Public and personal liability

Wewill pay up to the limit stated in the schedulefor

yourlegal liability for damages which you(and if requested by you, your domestic employees) have to pay as compensation for any accident occurring during the period of insuranceanywhere in the world which results in bodily injury to or illness of any person or damageto property

Public and personal liability cover extends to include

Voluntary work

Yourpersonal liability arising out of any negligence in the course of any

1 voluntary work for

2 unpaid work as a director or officer of a registered charity or other non-profit seeking organisation.

Incidental farming activities

Yourliability arising from or in connection with part-time farming activities including hunting, shooting and fishing and the provision of stabling and livery (but not riding schools and establishments) at the homeprovided that, during the period of insurance, the hours worked by all employees does not exceed 1,500 hours and the total gross annual revenue does not exceed £25,000.

but not yourliability arising from or in connection with 1 yourownership of the home, its land and any other

buildingsor land at the address in the schedule

2 yourownership, occupation, possession or use of any land or building not situated at the address in the

schedule

3 damageto property belonging to you, in yourcare or in the care ofyouremployee

4 bodily injury to or illness contracted by youor any person employed by youin the course of their employment

5 any contract unless youwould have been liable had the contract not existed

6 any trade, businessor professional activity other than directly arising from

a the use of the homeas an office for non-manual work in connection with the business

b the hiring out or opening of the homeand/or its gardens provided that the total gross revenue from these activities does not exceed £25,000 per year

c voluntary work and incidental farming activities as specifically provided for

7 remedial, professional or other advice or treatment given, administered or omitted by you or a director, partner or employee of any business

8 any goods or products sold, supplied, repaired, renovated, restored, tested or serviced by youor

yourdomestic employees

9 any mechanically or electrically propelled vehicles other than domestic garden equipment, motorised wheelchairs, golf trolleys and golf buggies, remote controlled toys and models, motorised sit-in toy or miniature vehicles

10 any mechanically propelled vehicle, trailer or non-motorised horseboxes being used in circumstances where any road traffic legislation applies other than golf buggies and golf trolleys and then only while being used for golfing activities 11 any quad bike being used by any person under 17

years old

12 any damages, including any costs and expenses, exceeding £2,000,000 for a covered lossarising from

the use of a quad bike or motorised sit-in toy or miniature vehicle (including motorcycles with an engine capacity of 50cc or less)

(31)

3 Liability for domestic employees

Wewill pay up to £10,000,000 for yourlegal liability for damages which youhave to pay as compensation for any accident occurring during the period of insurancewhich results in bodily injury to or illness of any domestic employee arising solely from private domestic duties in the United Kingdomand while temporarily elsewhere in the world

13 any quad bike or motorised sit-in toy or miniature vehicle being used for racing, pace-making, trials or competitions

14 aircraft including model aircraft and watercraft other than hand or wind propelled watercraft (up to 12 feet in length)

15 yourownership, possession or use of

a any animal other than domestic cats and dogs and horses

b any dog described in Section 1(1) of the

Dangerous Dogs Act 1991 or the Dangerous Dogs (Northern Ireland) Order 1991 or any amending or subsequent legislation

16 any deliberate, wilful or malicious act including the direct or indirect consequences of assault or alleged assault

17 the transmission of any communicable disease, condition, syndrome or virus

18 any injury, illness, death, loss, expenses or other liability attributable to HIV (Human Immuno-deficiency Virus) and/or HIV related illness including AIDS (Acquired Immune Deficiency Syndrome), ARC (AIDS Related Complex) or any mutant derivative or variation however caused

19 pollution or contamination of air, water or soil which

youcannot prove was caused by a sudden, identifiable, unintended and unexpected accident that took place in its entirety at a specific time and place

20 accidents where youare entitled to indemnity under any other insurance

21 any damages arising out of the ownership, possession or usage of any unlicensed firearm(s).

but not your liability arising from or in connection with 1 the use of any mechanically propelled vehicle in

circumstances where any road traffic legislation applies or in the United States of America or Canada 2 the transmission of any communicable disease,

(32)

4 Liability as tenant

Wewill pay up to £1,000,000 in any one period of insurancefor yourlegal liability for damages which youhave to pay as compensation arising from

yourtenancy of the homefollowing damageto the buildingsoccurring during the period of insurance

5 Unrecovered damages

Wewill pay the sum youare owed up to a limit of £5,000,000 in any one period of insuranceif, within three months, youhave not received the full amount of damages and taxed costs awarded to

youby a court in the United Kingdomfor bodily injury, illness or property damageprovided that 1 youwould have been covered by this part of this

insurance if yourposition and that of the person youare claiming damages against had been reversed

2 youare not waiting for an appeal on the judgement

3 where wemake a payment, youagree to a allow usto take action in yourname to

recover such payment

b repay to us such damages and taxed costs subsequently paid directly to you.

but not for 1 liability arising

a from damageto the buildingswhich is excluded by the Buildingspart of this insurance (whether in force or not)

b whilst the buildingsare unoccupied or

unfurnished

c from any contract unless youwould have been liable if the contract had not existed

2 the cost of maintenance and normal redecoration. 3 any injury, illness, death,loss, expenses or other

liability attributable to HIV (Human Immuno-deficiency Virus) and or HIV related illness including AIDS (Acquired Immune Deficiency Syndrome), ARC (AIDS Related Complex) or any mutant derivative or variation however caused

4 demolition, alterations, extensions or renovations to any part of the home.

(33)

6 Golfer’s extension

Wewill insure youfor the following whilst playing golf or participating in any activity at a golf club anywhere in the world unless otherwise stated or an exclusion applies:

Third party damage whilst playing golf

Up to £500,000 for property damageto another person’s property caused by youplaying golf, irrespective of legal liability.

Personal accident whilst playing golf

Up to £25,000 for any one incident in the event that

yousuffer a sudden, unexpected and identifiable physical injury whilst playing golf which results directly and within 12 months in

a death

b loss of use or physical severance of a hand, arm, foot or leg

c permanent and total loss of sight in one or both eyes.

Golf equipment hire

Up to £30 per day for the necessary hire of golf equipment following

a lossor breakage of yourgolf equipment b the misdirection or delay in transit (for at least

12 hours) of yourgolf equipment

if youare on a trip outside the United Kingdom

Golf expenses

Up to £125 per day for the proportionate value of any non-refundable, pre-paid green fees, golf equipment hire or tuition fees necessarily unused as a direct result of

a accidental physical injury or illness to you

b lossor theft of documentation which prevents the participation in the pre-paid golfing activity if youare on a trip outside the United Kingdom

Hole-in-one

Up to £500 for expenses incurred in the event of a hole-in-one being achieved by youduring an official competition

but wewill not pay

1 more than £300 per claim 2 the first £100 of any claim.

but wewill not pay

1 more than £1,250 per claim 2 the first £100 of any claim

3 for any claim arising directly or indirectly from pre-existing medical condition unless agreed by usin writing beforehand and any resultant additional premium is paid for

4 for any claim arising from a medical condition not substantiated by a written report from the treating doctor confirming yourinability to play golf.

but wewill not pay

1 if the score cards and certificate from yourclub or competition secretary are not made available 2 more than £3,000 in any one period of insurance.

Figure

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References

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