Buildings

What’s covered as standard

Any limits

Loss and damage to home, decorations, fixtures, fittings, permanently installed lighting, swimming pools, tennis courts, drives, patios, terraces, walls, gates, fences, hedges, fixed fuel tanks, underground service pipes and cables, sewers, drains, septic tanks

Garden damage covered against fire, lightning, explosion, aircraft, earthquake, theft or malicious damage

£500 any one plant, shrub or tree

£5,000 in a 12 month policy period

Loss of rent to the insured, or cost of alternative accommodation while home is being repaired following an insured event

12 months

Trace and access to locate the source of oil or water leaks within the home

£5,000 any one event

£10,000 in a 12 month policy period

Increased Water meter charges for escape of water following an insured event

£2,500 in a 12 month policy period

Automatic reinstatement of cover following a claim – any recommendations made to prevent a similar loss must be carried out.

Liabilities

What’s covered as standard

Any Limits

Indemnity for accidents to domestic staff

£10 million in any one occurrence

Legal liability to the public

£5 million in any one occurrence

Family legal protection

Whats covered as standard

Any limits

Professional costs and expenses occurred in:

Up to £75,000

a) your pursuit of civil claims arising from:

• Your death or personal injury except where this is caused by an accident involving a motor vehicle you were driving or medical negligence

• Consumer disputes about goods or services for your private use so long as at least £125 is in dispute and the goods or services are bought after your cover starts

• An infringement of your legal rights as owner/occupier of your principal private residence (other than in divorce or matrimonial proceedings) so long as this happens more than 180 days after your cover starts

• A breach of your contract of employment so long as this happens more than 90 days after your cover starts

b) Defence of:

• Civil claims against you arising from disputes about the private sale by you of your goods so long as at least £125 is in dispute and you sell the goods after your cover starts

• A motoring prosecution

c) an Inland Revenue investigation into your personal tax affairs

Contents

What’s covered as standard

Any limits

Loss and damage to household goods and personal possessions belonging to you or for which you are legally responsible, including:

• Tenants’ fixtures and fittings

• Fixed aerials and satellite dishes

• Garden furniture, fixed statues, ornaments etc kept in the open but within premises

£ 2,500 in total

• Garden machinery temporarily in the open

£1,500 maximum

• Personal money

£1,500 maximum

• Unauthorised use of credit cards following loss or theft

£10,000 maximum

• Deeds, registered bonds and other personal documents

£5,000 in total

• Collection of stamps or coins

£5,000 in total

• Gold, silver or plated items (other than jewellery)*

£5,000 in total

• Jewellery and furs*

£5,000 in total

• Domestic fuel in fixed tanks

£1,000 in total

• Freezer contents

Unlimited up to contents sum insured

• Pedal cycles

£1,000 any one cycle

• Computer software (including cost of recompiling data)

£2,500 in a 12 month policy period

Replacement locks following theft or loss of keys

£2,500 maximum

Rent owed following an insured event

12 months

Cost of alternative accommodation following an insured event

12/18 months if buildings and contents are insured

New purchases not yet informed to us

45 days from date of purchase

Birthday, Christmas, wedding or anniversary presents not yet given or stored in the home

Up to £5,000 during period of insurance

* Enhancements available

Antiques and works of Art

Are covered under the contents sum insured but may be specified separately. Specified items benefit from a more competitive premium and, in the event of partial loss, cover is provided for the costs and expenses involved in restoration plus any resulting depreciation of the item, up to the full insured value of the item.

Gold, Silver or Gold or Silver Plated Items (Other than Jewellery)

Are covered under the contents sum insured, with a limit of £5,000 in total, but may be specified separately. Specified items are included in addition to the £5,000 limit under contents and, in the event of partial loss, cover is provided for the costs and expenses involved in restoration plus any resulting depreciation of the item, up to the full insured value of the item.

Jewellery and Furs

Are covered under the contents sum insured, with a limit of £5,000 in total, but may be specified separately. Specified items or amounts are included in addition to the £5,000 limit under contents.

Exclusions and excesses

This policy is designed to cover you for unfortunate events which are unforeseen and occur whilst you use your best endeavours to prevent loss or damage. It is our policy therefore, not to apply onerous terms and conditions – exclusions will apply however when losses relate to events such as general wear and tear, gradually operating causes, building works etc. Special exclusions apply to family legal protection. These and all other exclusions are set out in the Advantage policy document.

Standard excess for each and every loss £50.

Excess relating to claims for subsidence, landslip and heave £1,000

Different excesses apply to claims under the family legal protection section. These are set out in the Advantage policy document.