This is a summary of cover highlighting the main features and benefits as well as the general conditions and exclusions of this Policy provided by VFM Cover Select. Full terms and conditions can be found in the VFM Cover Select Policy booklet that will be provided when you purchase your Policy or at any time on request. You will also receive a Policy Schedule showing the specific details of your Policy and the cover(s) you have selected. It is important that you read the Policy documents carefully when you receive them. VFM Cover Select is a trading name of QMetric Group Ltd. who are authorised and regulated by the Financial Conduct Authority.
This insurance is provided by VFM Cover Select underwritten by UK General Insurance (Ireland) Limited. Type of Insurance: Household Insurance
Period of cover: 12 months
Main Benefits of the Policy
Features and Benefits of the Policy Standard Policy Limits Where to find information in your Policy Booklet Section 1 - Buildings
Buildings Sum Insured – covers the structure of your Buildings against loss or damage Alternative accommodation if your Building becomes uninhabitable following damage covered under the Buildings section Tracing and accessing the source of water or oil leaks
Accidental damage to mains services
Property owner’s liability Replacement of locks and keys
Up to the Buildings Sum Insured shown on your Policy Schedule Up to £100,000
Up to your Buildings Sum Insured
Up to your Buildings Sum Insured
Up to £2,000,000 Up to £250
Section 1 – Buildings
Section 1 – Buildings Cover number 13
Section 1 – Buildings Cover number 15 Section 1 – Buildings Cover numbers 11 Section 1 – Buildings Cover number 18 Section 1 – Buildings Cover number 17
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Main Benefits of the Policy
Features and Benefits of the Policy Standard Policy Limits Where to find information in your Policy Booklet Section 2 - Contents
Contents Sum Insured – covers loss or damage to your Contents whilst in your home
Valuables in the home
Business Equipment
Alternative accommodation if your home becomes uninhabitable following damage covered under the Contents section Money
Credit cards
Personal liability to the public
Theft of Contents from a locked outbuilding (excluding pedal cycles)
Pedal cycles in the home (including in locked outbuildings
Deep freezer contents
Automatic increase in Contents Sum Insured for weddings, birthdays and religious festivals to cover gifts
Visitors’ personal effects
Replacement of locks and keys
Up to the Contents Sum Insured shown on your Policy Schedule
Up to £2,000 for any one item, with a maximum of £10,000 in total unless additional specific cover is chosen
Up to £1,000 Up to £10,000
Up to £250
Up to £1,000 Up to £2,000,000
Up to £500
Up to £1,000, or the amount shown in your Policy Schedule, whichever is the highest
Up to £300
Up to 10% of the Contents Sum Insured shown on your Policy Schedule
Up to £350
Up to £250
Section 2 – Contents
Section 2 – Contents
Section 2 - Contents Section 2 – Contents Cover number 12
Section 2 – Contents Cover number 14 Section 2 – Contents Cover number 14 Section 2 – Contents Cover number 20 Section 2 – Contents Cover number 4 Section 2 - Contents
Section 2 – Contents Cover number 13 Section 2 – Contents Cover number 18
Section 2 – Contents Cover number 17 Section 2 – Contents Cover number 19
Additional Cover - These covers only apply if shown in the Policy Schedule
Additional Cover Features
and Benefits Additional Cover Policy Limits Where to find information in your Policy Booklet Additional Accidental
damage to Buildings and/ or Contents
Personal Possessions away from home within the United Kingdom and also up to 30 days anywhere in the world
Pedal Cycles away from home within the United Kingdom and also up to 30 days anywhere in the world
Up to the Buildings Sum Insured and/or Contents Sum Insured shown on your Policy Schedule
Items you have specified that are worth over £2,000 each, as shown on your Policy Schedule.
Items worth less than £2,000 that you have not specified are covered within the total limit you have selected, as shown on your Policy Schedule, subject to the following limits:
• Money – up to £250
• Credit cards – up to £1,000
• All other items - £2,000
Up to the amount shown on your Policy Schedule
Section 1 – Buildings - Optional Cover number 12 and/or Section 2 – Contents – Optional Cover number 10
Section 2 – Contents – Optional Covers for Your Contents, Option A
Section 2 – Contents – Optional Covers for Your Contents, Option B
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General Conditions and Exclusions
General Conditions and
Exclusions What is NOT insured Where to find information in
your Policy Booklet General Policy Exclusions
applicable to all sections
Any deliberate act by you or your family
Loss or damage caused by;
• Radioactive contamination
• War
• Terrorism
• Gradual deterioration, maintenance or wear and tear
• Faulty workmanship
• Pollution
The excess you have chosen in addition to any excess we have quoted.
General Exclusions Section
Excesses are shown on your Policy Schedule
Buildings Loss or damage that occurs when the Building is Unoccupied or Unfurnished for more than 30 days
The first £1,000 of any claim for subsidence At least the first £500 of any claim for escape of water or oil
At least the first £250 of any claim for Accidental Damage
Storm or flood damage to domestic fixed fuel oil tanks in the open, drives, patios and terraces, gates, hedges and fences, swimming pools and hard tennis courts
Section 1
See your Policy Schedule
See your Policy Schedule
Contents Loss or damage that occurs when the Building is Unoccupied or Unfurnished for more than 30 days
At least the first £500 of any claim for escape of water or oil
At least the first £250 of any claim for Accidental Damage
Storm or flood damage to Contents in the open.
Section 2
See your Policy Schedule See your Policy Schedule
General Conditions and Exclusions
General Conditions and
Exclusions What is NOT insured Where to find information in
your Policy Booklet Contents (continued) Loss or damage caused by theft or attempted
theft where there is no violent or forcible entry or exit
Loss or damage caused by theft , attempted theft , malicious damage or vandalism by any person lawfully in your home
Loss or damage caused by mechanical or electrical breakdown or failure
Pedal Cycles away from home within the United Kingdom and also up to 30 days anywhere in the world
Accidental Damage Extensions
At least the first £250 of any claim for Accidental Damage
Loss or damage caused by domestic pets, including chewing, scratching, tearing or fouling
Loss or damage caused by vermin, insects, fungus, wet or dry rot
Section 1 – Buildings – Optional Cover Number 12 and/or Section 2 – Contents – Optional Cover Number 10
Personal Possessions away from home within the United Kingdom and also up to 30 days anywhere in the world
Loss or damage caused by theft from unattended road vehicles unless the vehicle is securely locked and the items are out of sight Loss or damage to sports equipment when it is being used
Loss or damage to musical instruments whilst in transit unless they are placed in a suitable protective container
Loss or damage to pedal cycles
Section 2 – Contents – Optional Covers for Your Contents, Option A
Loss or damage caused by cuts, bursts or punctures
Theft unless in a locked building or securely locked to an immovable object
Loss or damage while being used for racing, pace-making, testing of any kind, taking part in trials or competitions
Section 2 – Contents – Optional Covers for Your Contents, Option B
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Household Insurance Information
we need to know about
You must take reasonable care to provide complete and accurate answers to the questions we ask when you take out, make changes to and renew your insurance. If you have misrepresented any facts or circumstances which might affect our decision to provide insurance or the terms of that insurance, or you have made a false claim, we may refuse to pay a claim or treat this insurance as though it had never existed.
We strongly advise our customers to review their policy each year to ensure they have adequate cover in place.
Your right to cancel the policy
If you decide that for any reason, this policy does not meet your insurance needs then please return it to your agent within 14 days of issue. On the condition that no claims have been made or are pending, you will be entitled to a pro-rata return of premium.
If you wish to cancel your policy after 14 days, on the condition that no claims have been made or are pending, you will be entitled to a pro-rata return of premium and you may be charged a cancellation fee by Policy Expert. If you have made a claim on this policy there will be no refund.
If you need to make a claim
Claims will be handled by Trinity Claims at the address shown in your policy booklet. Should you wish to claim under your VFM Cover Select policy you should call the Trinity Claims Helpline on 0845 000 1213 or by submitting a claim in writing as soon as possible and within 30 days of the event. You must give Trinity Claims any information or help that they may reasonably ask for. You must not settle, reject, negotiate or agree to pay any claim
without their written permission. Full details of how to claim are included in the policy booklet.
If you need to make a complaint
It is the intention to give you the best possible service but if you do have any questions or concerns about this insurance or the handling of a claim you should follow the Complaints Procedure below. Please ensure your policy number is quoted in all correspondence to assist a quick and efficient response.
Complaints Procedure:
If your complaint is about the way the policy was sold to you, please contact the agent: Head of Customer Relations
Policy Expert
402 – 420 Silbury Boulevard Milton Keynes
MK9 2AF
Tel: 0845 4 100 801
If your complaint is about the handling of your claim, please write to:
Customer Services Manager Trinity Claims
PO Box 568 Tonbridge Kent TN9 9LT
Tel: 0845 000 1213
If your complaint is about your policy, please contact:
The Customer Relations Department QMetric Group Limited
32-38 Dukes Place London EC3A 7LP
Email: [email protected]
If we have provided you with our final response and you remain dissatisfied, you may refer your complaint to the Financial Ombudsman Service (FOS). The FOS is an independent body that can arbitrate on complaints after we have provided you with written confirmation that our internal complaints procedure has been exhausted.
Financial Ombudsman Service The Financial Ombudsman Service South Quay Plaza
183 Marsh Wall London E14 9SR Tel: 0845 080 1800 Fax: 020 7964 1001
Please note that you have 6 months from the date of our final response in which to refer to your complaint to the FOS. Your statutory rights are not affected if you choose to follow the complaints procedure above.
For further information about your statutory rights, contact your local authority Trading Standards Service or the Citizens Advice Bureau. Important Note: the FOS can only consider your complaint if you have already given us the opportunity to resolve it.
Financial Services Compensation
Scheme
UK General Insurance (Ireland) Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim. You can get more information about compensation scheme arrangements from the FSCS or visit their website, at www.fscs.org.uk
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VFM Cover Select is a trading name of QMetric Group Limited, the registered office of which is at 32-38 Dukes Place, London, EC3A 7LP.
Registered in England and Wales, company no. 07151701. QMetric Group Limited is authorised and regulated by the Financial
Conduct Authority (FCA). FCA registered number: 529506. Visit http://www.fca.org.uk for more information.
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