Age UK Home Insurance Policy Summary
What is the Age UK Home Insurance Policy Summary?This is a summary of cover available under Age UK Home Insurance. It outlines the main benefits and exclusions of the policy cover and will refer you to the relevant sections of the policy booklet for further details. This summary also provides details on how to make a claim, cancelling your policy and how to complain if you have a problem.
It does not include all the policy benefits, limits and exclusions. Full terms and conditions can be found in the policy booklet, a copy of which is available from Ageas Insurance Limited.
About your home insurance contract
Age UK Home Insurance is an annual household insurance contract underwritten by Ageas
Insurance Limited, apart from the Personal legal protection optional extension of cover, which is underwritten by DAS Legal Expenses Insurance Company Limited.
Age UK Home Insurance offers Buildings and Contents cover on a bedroom rated basis. For Buildings we cover properties with a rebuilding value up to £500,000 and for Contents cover up to £60,000. If the cost to replace all your Contents is greater than £60,000 we can provide a special quote.
The maximum claim limit for Buildings must be high enough to cover the cost of rebuilding your home and for Contents must be high enough to replace, as new, all the Contents of your home.
The different sections or extensions of cover available are Buildings, Contents (both of which allow you to choose whether you include cover for Accidental damage), Unspecified personal belongings, Specified personal belongings, Pedal cycles, Personal legal protection, Static caravans and Touring caravans. The sections or extensions you have chosen and the maximum claim limits are shown on your policy schedule.
Main Benefits
If you have chosen Buildings cover, we will cover the structure of your home including: outbuildings, garages, garden walls, gates, hedges, fences, paths, drives, patios, carports, permanently fixed hot tubs or jacuzzis and hard tennis courts against loss or damage from specific perils (for example – fire or malicious damage), as summarised on the next page and detailed in your policy document. If you have chosen Contents cover, we will cover your household goods and personal belongings that you or your family own or are legally responsible for against loss or damage from specific perils (for example – fire or malicious damage), as summarised on the next page and detailed in your policy document.
Main Benefits
The causes covered Buildings Contents Standard Policy Limits
Where more information can be found in your policy booklet
Buildings 3 N/A The maximum claim limit
shown on your policy schedule
Section 1 – Buildings
Trace and access source of leak for escape of water and escape of oil causes
3 N/A £5,000 Section 1 – Buildings
Property owner’s liability 3 N/A £2 Million Section 1 – Buildings
Contents N/A 3 The maximum claim limit
shown on your policy schedule
Section 2 – Contents
Maximum claim limit for any
valuable N/A
3 £2,000 Section 2 – Contents
Valuables in the home N/A 3 The maximum claim limit is shown on your policy schedule
Section 2 – Contents
Money N/A 3 £500 Section 2 – Contents
Credit cards N/A 3 £1,000 Section 2 – Contents
Freezer food N/A 3 £1,000 Section 2 – Contents
Public and personal liability N/A 3 £2 Million Section 2 – Contents
Unpaid damages N/A 3 £2 Million Section 2 – Contents
Tenant’s liability N/A 3 20% of the maximum claim
limit for Contents shown on your policy schedule
Section 2 – Contents
Loss or damage to Contents
during removal N/A
3 Up to the maximum claim limit for Contents shown on your policy schedule
Section 2 – Contents
10% increase in the maximum claim limit for religious festivals, birthdays, family wedding and civil partnership ceremonies.
N/A 3 Up to the maximum claim limit for Contents shown on your policy
The causes covered Buildings Contents Standard Policy Limits
Where more information can be found in your policy booklet
Accidental breakage to audio and visual equipment, DVD equipment, glass, mirrors and personal computers
N/A 3 Up to the maximum claim limit for Contents shown on your policy
Section 2 – Contents
Fraudulent Use of Credit
Cards N/A
3 £1,000 Section 2 – Contents
Carer’s Contents N/A 3 £250 Section 2 – Contents
Items covered whilst living in a nursing home, residential care home or staying with family or friends.
N/A 3 Up to 20% of the maximum claim limit for Contents shown on your policy schedule
Section 2 – Contents
Medical Equipment on Loan N/A 3 £5,000 Section 2 – Contents
Accidental damage to wheelchairs and stairlifts in the home
N/A 3 Up to the maximum claim limit for Contents shown on your policy schedule
Section 2 – Contents
Rent and alternative accommodation
3 3 20% of the Buildings and/ or Contents maximum claim limit shown on your policy schedule
Section 1 – Buildings Section 2 – Contents
Optional covers available
Accidental damage to Buildings and Contents
3 3 Up to the Buildings or Contents maximum claim limit shown on your policy schedule
Section 1 – Buildings Section 2 – Contents
Unspecified personal
belongings N/A
3 Your choice Section 2 – Contents
Specified personal
belongings N/A
3 Your choice Section 2 – Contents
Pedal cycles N/A 3 Your choice Section 2 – Contents
Family legal protection 3 3 £50,000 Section 3 - Family
legal protection
Static caravan 3 3 Your choice Section 4 – Static caravan
Touring caravan 3 3 Your choice Section 5 – Touring
Main Exclusions The causes
covered What is not insured
Where more information can be found in your policy booklet
Buildings Storm or flood loss or damage to gates, hedges or fences. Subsidence caused by settlement, unless the settlement is caused by subsidence of the site on which the buildings stand.
Pages 14-20
Contents Theft or attempted theft when your home or any part of it is lent, let or sublet to or occupied by someone who is not a member of your family, unless force causing damage to the main building of the home was used to get in or out of the building.
Pages 21-38
Accidental damage extensions
Damage caused by or resulting from chewing, scratching, tearing or fouling by domestic animals or pets.
Damage caused by or resulting from wet rot or dry rot or other gradual causes. Pages 22 and 34 Unspecified personal belongings extension
Any amount over £1,000 for theft or disappearance of property from unattended locked motor vehicles. Loss or damage caused to dentures while being used for eating and to crowns, caps or fillings in teeth.
Page35
Specified personal belongings extension
Any amount over £1,000 for theft or disappearance of property from unattended locked motor vehicles. Loss or damage caused by theft or attempted theft from an unlocked hotel room, motel room, bed-and-breakfast bedroom or other similar temporary lodging.
Page 37-38
Pedal cycles
extension Cuts, bursts or punctures to tyres. Theft or attempted theft of an unattended pedal cycle away from the home unless the pedal cycle is either in a locked building or secured by a suitable chain and padlock (or cycle lock) to a post, cycle rack or immovable object.
Page 38
Family legal
protection Costs and expenses before DAS Legal Expenses Insurance Company Limited accept a claim in writing. Pages 39-46 Static caravan Malicious damage caused to television sets (and their aerials),
satellite receivers or decoders, radios, audio equipment, video-recording equipment, DVD players or desk-top computers when your caravan is unoccupied or while the caravan site is closed.
Pages 47-52
Touring caravan Loss or damage caused by the caravan being stolen at any time, unless it is fitted with a hitchlock or wheelclamp which is working properly. Pages 52-54 General policy exclusions applicable to all sections and extensions
Property more specifically covered by another policy of insurance.
Any criminal or deliberate act by you or your family
Policy Excess
The following excesses apply on top of any other excess that may apply (which will be shown in your schedule).
£45 for every incident apart from:
Property owner’s liability under Section 1 - Buildings.
Public and personal liability, Liability for domestic employees, Tenant’s liability and Unpaid damages under Section 2 - Contents.
Liability to third parties under Section 4 - Static caravan and Section 5 - Touring caravan.
£45 for all Touring and Static caravans claims apart from Liabilities to third parties.
£1,000 for subsidence, heave or landslip claims. This excess is reduced to £100 if the main building of the home was built within the last 10 years. £245 for escaping water claims made under cause 7 for both buildings and contents sections.
Cancellation Procedure
You have 14 days from when you receive your policy documents or enter into this contract, whichever is later, to write to us if you want to cancel your policy. This is known as a cooling-off period. If you cancel your policy during this period of time, as long as you have not made a claim we will give you a refund for the period of time that was left on your policy. If we have paid for a total loss, you must pay the full annual premium and you will not be entitled to any refund. If a claim(s) made that was not a total loss we will deduct the cost of any payments we have made for the claim (s) from any refund. If the cost of the claim(s) is more than the annual premium, we will not pay any refund.
Please see pages 8 and 9 of your policy booklet for the full cancellation procedure.
How to make a claim
Telephone the claims helpline on 0845 602 5273; this line is open 24 hours a day, 365 days a year. Please have your policy details available. We can immediately confirm your claim. Alternatively, you can write to us at the address at the bottom of the next page.
Customers who have purchased Personal legal protection and wish to make a claim under this section should call DAS Legal Expenses Insurance Company Limited on 0845 603 0558.
Complaints Procedure
Step 1 – Please contact our Age UK Home Insurance Customer Service Adviser at the address below.
Step 2 – Write to Mark Cliff, Managing Director, at the same address if your problem is not sorted out.
Step 3 – If you are not satisfied with our final decision, you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR.
If your complaint is concerning DAS Legal Expenses, please contact them direct: Customer Relations Department, DAS Legal Expenses Insurance Company Ltd, DAS House, Quay Side, Temple Back, Bristol BS1 6NH
Telephone: 0117 934 0066, Fax: 0117 934 2095, e-mail: customerrelations@das.co.uk
See page 55 of your policy booklet on how to make a complaint.
Financial Services Compensation Scheme We are covered by the Financial Services Compensation Scheme (FSCS). If we cannot meet our obligations you may be entitled to compensation under the scheme. For this type of policy, the scheme covers at least 90% of any claim with no upper limit. For further information see www.fscs.org.uk or telephone 020 7892 7300.
Age UK Home Insurance is provided and managed by Ageas Insurance Ltd. Registered address: Ageas House, Tollgate, Eastleigh, SO53 3YA, England. Registered number 354568.
Age UK Enterprises Ltd and Ageas Insurance Ltd are each authorised and regulated by the Financial Services Authority.
