Simple
Household
Contents
Insurance
Household Contents Insurance
Application Form
Please return your application form to:
SANCTUARY HOUSING REMINDS ALL
CUSTOMERS TO TAKE OUT HOUSEHOLD
CONTENTS INSURANCE
Many customers believe that Sanctuary Housing automatically insure their furniture,
belongings and decorations against fire, theft, vandalism or water damage such as burst pipes.
THIS IS NOT THE CASE.
Unfortunately some customers only realise this after the damage has been done. We make it
easy for you to insure your belongings under a special household contents insurance scheme.
The insurance is arranged with Royal & Sun Alliance Insurance plc.
This scheme is open to all Sanctuary Housing residents. This is one of many options available to
residents in the insurance market place. Sanctuary Housing cannot guarantee that this scheme
provides the cheapest insurance cover available, or that it provides the widest cover - you are
recommended to seek alternative quotations and choose the cover which best suits your needs.
There are 2 cover levels for you to decide from. Simple cover does not include any cover for
Accidental Damage. You also have the option to add cover for Personal Belongings, Hearing
Aids, Wheelchairs or Garden huts, outbuildings, garages and greenhouses to Simple or
Simple+. The costs for covers are all detailed at the back of this pack.
Simple
■
Most of your household goods and contents including pedal
cycles and computer equipment are insured when in your home.
■
They are covered against loss or damage caused by specific
events such as theft, fire and flood.
■
Also insured are lost or stolen keys, freezer contents, your
own legal liability to the public and the cost of alternative
accommodation.
■
Improvements you have made to your home such as fitted
kitchens, bathrooms, wardrobes, laminate flooring, patio doors
etc (but not greenhouses or conservatories).
■
Simple+ includes Accidental Damage cover.
1
Add up how much money it would cost to replace your contents using the diagram below
2
Decide what cover you need after reading the cover options on page 4
3
Check the cost for your choice of cover, with the total contents sum insured you need
using the rating tables at the back of this pack
4
Complete and sign the application form
5
Return your completed application form to the address detailed on the front cover
For general enquiries please call 08456 718 172.
Calls may be recorded or monitored.
STEP 1
5 EASY STEPS TO PROTECT WHAT YOU OWN
Add up how much money it would cost to replace your contents
Bedrooms
Furniture, linen, bedding, TV, video,
visual equipment, valuables and
general items
£...
Hall, Stairs & Landing
Furniture and general items
£...
Bathroom
Fixtures, fittings and linen
£...
Dining Room
Furniture and
valuables
£...
Kitchen
Household
appliances,
cooking utensils,
cutlery, crockery,
cleaning
equipment
and materials,
food, drink and
valuables
£...
All Rooms
Carpets, floor coverings, curtains and
fittings
£...
Furniture, TV, video, visual equipment,
Lounge
valuables and general items
£...
Other Rooms
Toys, baby equipment, domestic tools
and general items
£...
£...
WHAT THE POLICY COVERS...
Simple
Your household contents and personal belongings - furniture, TV, clothing, carpets and electrical goods - are insured against loss or damage while they are in your home. The insurance covers specified circumstances including theft, vandalism, fire, flood and escaping water (e.g. from a washing machine or bath). A single item limit of £1,500 applies to contents.
Tenants liability - Up to 20% of the sum insured for damage to buildings and internal decorations.
Accidental breakage of mirrors, ceramic hobs in free standing cookers or glass which forms part of the furniture in the home. Fridge / Freezer contents – Contents Sum Insured.
Locks and keys – Up to £500.
£5,000 Accidental Death benefit as a result of an accident in the home, while travelling as a fare paying passenger by train, bus or taxi or an assault in the street.
Contents while in the open on the land belonging to your home are insured against loss or damage in specified circumstances including theft, fire and flood – Up to £500.
Student possessions which belong to or are the legal responsibility of students while temporarily removed from your home to student lodgings are insured against loss of or damage in specified circumstances including theft, fire and flood - Up to £2,500. Theft of money by bogus officials - Up to £300.
Trees, shrubs, plants, hedges and lawns on the land belonging to your home are insured against specified circumstances including theft, fire and vandalism - Up to £250.
Valuables are items which are particularly prone to theft, such as jewellery, watches, clocks, articles of precious metal, pictures, works of art and stamp, coin and medal collections. Valuables are covered in total up to 1/3 of the contents sum insured and a single item limit of £1,500 applies.
No excess applies to this cover.
Simple
+
All the cover provided by Simple, plus cover for accidental damage to the contents of your home - Excludes damage to clothing, contact lenses, food, drink and plants.
No excess applies to this cover.
Optional Extras
Personal Belongings
Up to £3,000 cover available for personal belongings, including pedal cycles and sports equipment whilst in the British Isles and temporarily elsewhere in Europe up to a maximum of 14 days.
Hearing Aids and Wheelchairs
Up to £3,000 cover available for hearing aids and wheelchairs whilst in the British Isles and temporarily elsewhere in Europe up to a maximum of 14 days.
Garden huts, outbuildings, garages and greenhouses
Up to £500 cover available for damage to your garden huts, outbuildings, garages and greenhouses against specified causes such as fire, theft, storm and flood.
Policy Exclusions
Please note this Policy is not a maintenance contract, it does not cover all losses.
The Policy does not cover:
- Loss or damage by scorching without a fire actually starting.
- Loss or damage by wear and tear, maintenance, electrical, mechanical or electronic breakdown, leaks and anything which happens gradually, radioactive contamination, war risks, sonic bangs, pollution or contamination, rot, date change and computer viruses and terrorism.
- Any items used for business or professional purposes.
- Losses by certain causes when the home has been unoccupied for more than 60 days in a row.
This is only a brief summary of what the Policy does and does not cover. Full details of the conditions and exclusions are given in the Policy; a specimen Policy document is available on request.
IMPORTANT INFORMATION
Please read the important information which follows including the declaration and remember to sign and date the application form.
A copy of the completed Application Form is available on request but you should keep a record of all information supplied to us for the purpose of entering into this contract. A specimen policy is available on request. Your answers to our questions are important and provided you have answered them to the best of your knowledge and belief, we consider that you have fulfilled your requirements. You should tell us if any of these details are incorrect or change. We may reassess your cover, terms and premiums when we are told about changes in your circumstances. If you do not tell us about any changes, or give us incorrect information, the wrong terms may be quoted, a claim might be rejected or payment could be reduced. If there is insufficient space for your response, please continue on a separate sheet of paper if necessary. RSA will treat your personal information fairly and lawfully in accordance with the Data Protection Act 1998.
Claims and Underwriting Exchange
Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd (IDS Ltd). The aim is to help us to check information provided and also to prevent fraudulent claims. When we deal with your request for insurance, we may search the register. When you tell us about an incident (such as fire, water damage or theft) which may or may not give rise to a claim, we will pass information relating to it to the register. You can ask us for more information about this. You should show this notice to anyone who has an interest in property insured under the policy.
Law Applicable to the Contract
Both you and we may choose the law which applies to this contract. However, unless you and we agree otherwise, the law which applies is the law applicable in the part of the United Kingdom, Channel Islands or Isle of Man in which you live. Full details will be provided in your policy documentation. Policies are underwritten by Royal & Sun Alliance Insurance plc.
Financial Sanctions
Please note that Royal & Sun Alliance Insurance plc is unable to provide insurance in circumstances where to do so would be in breach of any financial sanctions imposed by the United Nations or any government, governmental or judicial body or regulatory agency. Full details will be provided in your policy documentation.
Complaints Procedure
We have a complaints procedure in place, both with an independent facility and in-house. For further details please refer to your policy document. You will receive your policy documents soon. If you have any queries before you have received the details please feel free to call us and we will be pleased to help you. You have the right to take your case to the Financial Ombudsman Service.
Your Right to Cancel the Policy
If having examined your policy you decide not to proceed with the insurance, you will have 14 days to cancel it starting on the day you receive the policy documentation. On receipt of your written notice we will refund any premiums already paid, unless we have been notified of a claim.
Eligibility Disclaimer
RSA has the right to refuse any application which does not meet its underwriting eligibility criteria under the scheme.
Declaration
Important Note: Before you sign this form, please read it again making sure all questions are answered in full. Check that the
answers which have been given are correct. Once you and any joint applicant sign this form you are responsible for its accuracy. To give false information knowingly in answer to any of the questions in order to obtain insurance or to obtain a reduced premium could be a criminal offence and will certainly invalidate your insurance.
I/We declare that to the best of my/our knowledge and belief the statements made by me/us or on my/our behalf are true and complete.
I/We consent to the searching of information from other insurers to check the answers I/we have provided and I/we authorise the giving of information for such purposes.
I/We also understand that, in response to any searches you may make in connection with this application or any incident I/we have given details of, IDS Ltd may pass you information it has received from other insurers about other incidents involving anyone insured under the policy.
STEP 3
Use the prices at the back of the form to choose which price
is correct for the cover you want
1. Have you or any member of your family who normally live with you at your current address or elsewhere
a) made any household contents claims in the last 5 years?
b) had insurance cancelled, declined or declared void or had special terms or conditions applied? c) been convicted of any offence other than driving offences?
2. Has the home or the land belonging to it been flooded in the last 5 years? 3. Will the home be left unoccupied for a total of more than 60 days in a year? 4. Will the home be occupied by anyone other than you or your family?
If yes, how many people other than you or your family will occupy the home with you?
If you have answered yes to the above questions, please give details on a separate sheet of paper.
NO YES
Method of Payment (Please Tick)
Weekly Fortnightly Monthly Monthly Annually
payment card payment card payment card Direct Debit
Remember to read all the important information including the declaration on page 5 and sign and date this form
Name of your Council/Housing Association Sanctuary Housing
Name of Applicant 1 (Mr/Mrs/Miss/Ms) Date of Birth Name of Applicant 2 (Mr/Mrs/Miss/Ms) Date of Birth
Joint applicants must be named and must sign this form otherwise cover for them will not be in force.
Address of your home to be insured
Postcode Precise Occupations: Applicant 1
Applicant 2 Rent Reference Number
Telephone Number
Cover required (Please tick one) Simple Simple + Amount of insurance cover required (to the nearest £1,000) £
Do you require the extension in cover for Personal Belongings (see cost of cover tables)? £ Do you require the extension in cover for Wheelchairs (see cost of cover tables)? £ Do you require the extension in cover for Hearing Aids (see cost of cover tables)? £ Do you require the extension in cover for Garden huts, outbuildings, garages and
greenhouses up to £500 (see cost of cover tables)? Date you want the insurance to start from
Whenever we ask questions on the application form about your family, we mean you or any of the following people providing they normally live with you; your husband; wife or partner; children (including foster children) your relatives; your domestic employees
It is important that the Sum Insured is sufficient to replace ALL household goods and personal belongings. If the Sum Insured is inadequate, you will have to bear a proportion of any claim.
Signature of Applicant 1 Date Signature of Applicant 2 Date
STEP 4
Complete and sign this
APPLICATION FORM
STEP 5
Return this form to the address on the front of this booklet
NO YES
Sum Insured W eekly Fortnightly Monthly Annually Simple Simple + Simple Simple + Simple Simple + Simple Simple + £6,000 £0.73 £1.40 £1.22 £2.45 £2.42 £5.06 £24.93 £54.86 £7,000 £0.85 £1.64 £1.43 £2.86 £2.82 £5.91 £29.09 £64.01 £8,000 £0.98 £1.87 £1.63 £3.27 £3.22 £6.75 £33.24 £73.15 £9,000 £1.10 £2.11 £1.84 £3.68 £3.63 £7.60 £37.40 £82.30 £10,000 £1.22 £2.34 £2.04 £4.09 £4.03 £8.44 £41.55 £91.44 £11,000 £1.34 £2.57 £2.24 £4.50 £4.43 £9.28 £45.71 £100.58 £12,000 £1.46 £2.81 £2.45 £4.91 £4.84 £10.13 £49.86 £109.73 £13,000 £1.59 £3.04 £2.65 £5.32 £5.24 £10.97 £54.02 £118.87 £14,000 £1.71 £3.28 £2.86 £5.73 £5.64 £11.82 £58.17 £128.02 £15,000 £1.83 £3.51 £3.06 £6.14 £6.05 £12.66 £62.33 £137.16 £16,000 £1.95 £3.74 £3.26 £6.54 £6.45 £13.50 £66.48 £146.30 £17,000 £2.07 £3.98 £3.47 £6.95 £6.85 £14.35 £70.64 £155.45 £18,000 £2.20 £4.21 £3.67 £7.36 £7.25 £15.19 £74.79 £164.59 £19,000 £2.32 £4.45 £3.88 £7.77 £7.66 £16.04 £78.95 £173.74 £20,000 £2.44 £4.68 £4.08 £8.18 £8.06 £16.88 £83.10 £182.88 £21,000 £2.56 £4.91 £4.28 £8.59 £8.46 £17.72 £87.26 £192.02 £22,000 £2.68 £5.15 £4.49 £9.00 £8.87 £18.57 £91.41 £201.17 £23,000 £2.81 £5.38 £4.69 £9.41 £9.27 £19.41 £95.57 £210.31 £24,000 £2.93 £5.62 £4.90 £9.82 £9.67 £20.26 £99.72 £219.46 £25,000 £3.05 £5.85 £5.10 £10.23 £10.08 £21.10 £103.88 £228.60 £26,000 £3.17 £6.08 £5.30 £10.63 £10.48 £21.94 £108.03 £237.74 £27,000 £3.29 £6.32 £5.51 £11.04 £10.88 £22.79 £112.19 £246.89 £28,000 £3.42 £6.55 £5.71 £11.45 £11.28 £23.63 £116.34 £256.03 £29,000 £3.54 £6.79 £5.92 £11.86 £11.69 £24.48 £120.50 £265.18 £30,000 £3.66 £7.02 £6.12 £12.27 £12.09 £25.32 £124.65 £274.32 £31,000 £3.78 £7.25 £6.32 £12.68 £12.49 £26.16 £128.81 £283.46 £32,000 £3.90 £7.49 £6.53 £13.09 £12.90 £27.01 £132.96 £292.61 £33,000 £4.03 £7.72 £6.73 £13.50 £13.30 £27.85 £137.12 £301.75 £34,000 £4.15 £7.96 £6.94 £13.91 £13.70 £28.70 £141.27 £310.90 £35,000 £4.27 £8.19 £7.14 £14.32 £14.11 £29.54 £145.43 £320.04 £36,000 £4.39 £8.42 £7.34 £14.72 £14.51 £30.38 £149.58 £329.18 £37,000 £4.51 £8.66 £7.55 £15.13 £14.91 £31.23 £153.74 £338.33 £38,000 £4.64 £8.89 £7.75 £15.54 £15.31 £32.07 £157.89 £347.47 £39,000 £4.76 £9.13 £7.96 £15.95 £15.72 £32.92 £162.05 £356.62 £40,000 £4.88 £9.36 £8.16 £16.36 £16.12 £33.76 £166.20 £365.76
The following prices ar
e available for postcodes:
AB;
AL;
B
A;
BH;
BN;
BR;
BT
; CA;
CB;
CM;
CO;
CR;
CW
; D
A;
DE;
DG;
DH;DL;
DT
; D
Y;
EH;
EN;
EX;
GL;
GU;
HA;
HG;
HP;
HR;
HS;
IP;
KT
; KW
; KY
; LD;
LE;
LU;
MK;
ML;
NN;
NR;
O
X;
P
A;
PH;
PL;
PO;
RG;
RH;
RM;
SA;
SG;
SL;
SM;
SN;
SO;
SP;ST
; SY
; TD;
TF;
TN;
TQ;
TR;
TW
; WD;
WR;
WS;
Y
O;
ZE;
Your price depends on,
the cover chosen,
how often you would lik
e to pay and your Sum Insured (calculated on page 3)
All premiums are inclusive of Insurance Premium
Tax at the current rate
.
WHAT IT WILL COST
WHAT IT WILL COST
Your Sum Insured is calculated using the house diagram on page 3
Sum Insured W eekly Fortnightly Monthly Annually Simple Simple + Simple Simple + Simple Simple + Simple Simple + £6,000 £0.83 £1.54 £1.43 £2.80 £2.90 £5.77 £30.28 £63.85 £7,000 £0.97 £1.79 £1.67 £3.27 £3.38 £6.73 £35.33 £74.49 £8,000 £1.10 £2.05 £1.91 £3.74 £3.86 £7.69 £40.38 £85.14 £9,000 £1.24 £2.30 £2.15 £4.20 £4.35 £8.65 £45.42 £95.78 £10,000 £1.38 £2.56 £2.39 £4.67 £4.83 £9.61 £50.47 £106.42 £11,000 £1.52 £2.82 £2.63 £5.14 £5.31 £10.57 £55.52 £117.06 £12,000 £1.66 £3.07 £2.87 £5.60 £5.80 £11.53 £60.56 £127.70 £13,000 £1.79 £3.33 £3.11 £6.07 £6.28 £12.49 £65.61 £138.35 £14,000 £1.93 £3.58 £3.35 £6.54 £6.76 £13.45 £70.66 £148.99 £15,000 £2.07 £3.84 £3.59 £7.01 £7.25 £14.42 £75.71 £159.63 £16,000 £2.21 £4.10 £3.82 £7.47 £7.73 £15.38 £80.75 £170.27 £17,000 £2.35 £4.35 £4.06 £7.94 £8.21 £16.34 £85.80 £180.91 £18,000 £2.48 £4.61 £4.30 £8.41 £8.69 £17.30 £90.85 £191.56 £19,000 £2.62 £4.86 £4.54 £8.87 £9.18 £18.26 £95.89 £202.20 £20,000 £2.76 £5.12 £4.78 £9.34 £9.66 £19.22 £100.94 £212.84 £21,000 £2.90 £5.38 £5.02 £9.81 £10.14 £20.18 £105.99 £223.48 £22,000 £3.04 £5.63 £5.26 £10.27 £10.63 £21.14 £111.03 £234.12 £23,000 £3.17 £5.89 £5.50 £10.74 £11.11 £22.10 £116.08 £244.77 £24,000 £3.31 £6.14 £5.74 £11.21 £11.59 £23.06 £121.13 £255.41 £25,000 £3.45 £6.40 £5.98 £11.68 £12.08 £24.03 £126.18 £266.05 £26,000 £3.59 £6.66 £6.21 £12.14 £12.56 £24.99 £131.22 £276.69 £27,000 £3.73 £6.91 £6.45 £12.61 £13.04 £25.95 £136.27 £287.33 £28,000 £3.86 £7.17 £6.69 £13.08 £13.52 £26.91 £141.32 £297.98 £29,000 £4.00 £7.42 £6.93 £13.54 £14.01 £27.87 £146.36 £308.62 £30,000 £4.14 £7.68 £7.17 £14.01 £14.49 £28.83 £151.41 £319.26 £31,000 £4.28 £7.94 £7.41 £14.48 £14.97 £29.79 £156.46 £329.90 £32,000 £4.42 £8.19 £7.65 £14.94 £15.46 £30.75 £161.50 £340.54 £33,000 £4.55 £8.45 £7.89 £15.41 £15.94 £31.71 £166.55 £351.19 £34,000 £4.69 £8.70 £8.13 £15.88 £16.42 £32.67 £171.60 £361.83 £35,000 £4.83 £8.96 £8.37 £16.35 £16.91 £33.64 £176.65 £372.47 £36,000 £4.97 £9.22 £8.60 £16.81 £17.39 £34.60 £181.69 £383.11 £37,000 £5.11 £9.47 £8.84 £17.28 £17.87 £35.56 £186.74 £393.75 £38,000 £5.24 £9.73 £9.08 £17.75 £18.35 £36.52 £191.79 £404.40 £39,000 £5.38 £9.98 £9.32 £18.21 £18.84 £37.48 £196.83 £415.04 £40,000 £5.52 £10.24 £9.56 £18.68 £19.32 £38.44 £201.88 £425.68
The following prices ar
e available for postcodes:
B;
BB;
BS;
CF;
CH;
CT
; CV
; DD;
E;
EC;
FK;
G;
HD;
HX;
IG;
IV
; KA;
L;
LA;
LL;
LN;
ME;
N;
NE;
NG;
NP;
NW
; PE;
PR;
S;
SE;
SK;
SR;
SS;
SW
; T
A;
TS;
UB;
W
; W
A;
WC;WF;
WN;
WV
Your price depends on,
the cover chosen,
how often you would lik
e to pay and your Sum Insured (calculated on page 3)
All premiums are inclusive of Insurance Premium
Tax at the current rate
Sum Insured W eekly Fortnightly Monthly Annually Simple Simple + Simple Simple + Simple Simple + Simple Simple + £6,000 £1.05 £1.99 £1.91 £3.70 £3.99 £7.77 £43.84 £87.06 £7,000 £1.23 £2.32 £2.23 £4.32 £4.66 £9.07 £51.15 £101.57 £8,000 £1.40 £2.66 £2.54 £4.94 £5.32 £10.36 £58.46 £116.08 £9,000 £1.58 £2.99 £2.86 £5.55 £5.99 £11.66 £65.76 £130.59 £10,000 £1.75 £3.32 £3.18 £6.17 £6.65 £12.95 £73.07 £145.10 £11,000 £1.93 £3.65 £3.50 £6.79 £7.32 £14.25 £80.38 £159.61 £12,000 £2.10 £3.98 £3.82 £7.40 £7.98 £15.54 £87.68 £174.12 £13,000 £2.28 £4.32 £4.13 £8.02 £8.65 £16.84 £94.99 £188.63 £14,000 £2.45 £4.65 £4.45 £8.64 £9.31 £18.13 £102.30 £203.14 £15,000 £2.63 £4.98 £4.77 £9.26 £9.98 £19.43 £109.61 £217.65 £16,000 £2.80 £5.31 £5.09 £9.87 £10.64 £20.72 £116.91 £232.16 £17,000 £2.98 £5.64 £5.41 £10.49 £11.31 £22.02 £124.22 £246.67 £18,000 £3.15 £5.98 £5.72 £11.11 £11.97 £23.31 £131.53 £261.18 £19,000 £3.33 £6.31 £6.04 £11.72 £12.64 £24.61 £138.83 £275.69 £20,000 £3.50 £6.64 £6.36 £12.34 £13.30 £25.90 £146.14 £290.20 £21,000 £3.68 £6.97 £6.68 £12.96 £13.97 £27.20 £153.45 £304.71 £22,000 £3.85 £7.30 £7.00 £13.57 £14.63 £28.49 £160.75 £319.22 £23,000 £4.03 £7.64 £7.31 £14.19 £15.30 £29.79 £168.06 £333.73 £24,000 £4.20 £7.97 £7.63 £14.81 £15.96 £31.08 £175.37 £348.24 £25,000 £4.38 £8.30 £7.95 £15.43 £16.63 £32.38 £182.68 £362.75 £26,000 £4.55 £8.63 £8.27 £16.04 £17.29 £33.67 £189.98 £377.26 £27,000 £4.73 £8.96 £8.59 £16.66 £17.96 £34.97 £197.29 £391.77 £28,000 £4.90 £9.30 £8.90 £17.28 £18.62 £36.26 £204.60 £406.28 £29,000 £5.08 £9.63 £9.22 £17.89 £19.29 £37.56 £211.90 £420.79 £30,000 £5.25 £9.96 £9.54 £18.51 £19.95 £38.85 £219.21 £435.30 £31,000 £5.43 £10.29 £9.86 £19.13 £20.62 £40.15 £226.52 £449.81 £32,000 £5.60 £10.62 £10.18 £19.74 £21.28 £41.44 £233.82 £464.32 £33,000 £5.78 £10.96 £10.49 £20.36 £21.95 £42.74 £241.13 £478.83 £34,000 £5.95 £11.29 £10.81 £20.98 £22.61 £44.03 £248.44 £493.34 £35,000 £6.13 £11.62 £11.13 £21.60 £23.28 £45.33 £255.75 £507.85 £36,000 £6.30 £11.95 £11.45 £22.21 £23.94 £46.62 £263.05 £522.36 £37,000 £6.48 £12.28 £11.77 £22.83 £24.61 £47.92 £270.36 £536.87 £38,000 £6.65 £12.62 £12.08 £23.45 £25.27 £49.21 £277.67 £551.38 £39,000 £6.83 £12.95 £12.40 £24.06 £25.94 £50.51 £284.97 £565.89 £40,000 £7.00 £13.28 £12.72 £24.68 £26.60 £51.80 £292.28 £580.40
