AA Home Insurance - Buildings (Building)

What is insured
1 Your building (see definitions)
What is not insured
1 The first £50 of each incident of loss or damage
The first £250 of each incident of loss or damage in the event of escape of water.
The first £1,000 of each incident of loss or damage in the event of a subsidence, ground heave or landslip claim.
2 Fees which you incur:
- for preparing your claim; or
- without our permission.
10 Any other accidental loss or accidental damage.
What it is not insured against
Loss or damage caused by:
- insects, parasites or vermin;
- fungus or mildew;
- atmospheric or climatic conditions, frost or the action of light;
- alterations, repairs, maintenance, restoration, dismantling or renovating;
- any process of cleaning, drying, dyeing, heating or washing;
- chewing, scratching, tearing or fouling by pets;
- faulty design or workmanship or using faulty materials;
- mechanical or electrical breakdowns or failure;
- demolition, structural alterations or structural repairs; or
- the building moving, settling or shrinking.
Loss or damage while any part of your home is lent, let, sublet or shared.
Loss or damage shown as not insured under causes 1 to 8 (see pages 10 and 11).
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Buildings cover
What it is insured against
6. Loss or damage caused by subsidence or ground heave of the site on which the building stands or landslip.
What it is not insured against
Loss or damage to tennis hard courts, swimming pools, ornamental ponds, fountains, terraces, patios, paths, drives, car ports, boundary and garden walls, gates, hedges and fences unless your home is damaged by the same cause at the same time.
Loss or damage caused by:
- coastal or riverbank erosion;
- demolition, structural alterations or structural repairs;
- faulty design;
- foundations which did not meet building regulations at the time of construction;
- any loss or damage where compensation is provided by contract or legislation;
- damage to solid floor slabs or damage resulting from their movement unless the foundations under the outside walls of your home are damaged at the same time by the same cause; or
- damage to the building caused by the action of chemicals or by the reaction of chemicals with any materials which form part of the building.
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Buildings cover
What it is insured against
3. Loss or damage caused by water or oil as a result of a burst, leaking or overflowing domestic water or heating installation, appliance or piping. This includes damage to any water installation caused by freezing or bursting.
We will also pay up to £5,000 in total for the reasonable cost of locating the source of the damage including the reinstatement of any wall flooring or ceiling removed or damaged during the search.
What it is not insured against
3. Loss or damage if your home was unfurnished or unoccupied at the time of the loss or damage.
Loss or damage caused by subsidence, ground heave or landslip. collapse

Home Emergency Cover Policy
This cover is an add on to your AA Buildings Insurance Policy and is not available as a standalone product.
AA home emergency line
Call 0845 736 1361 for the 24-hour services of a reliable tradesman for emergency repairs to your home.
Home Emergency Cover
Home emergency cover is underwritten by Royal & Sun Alliance Insurance Plc (number 93792) registered in England and Wales at St Marks Court, Chart Way, Horsham, West Sussex, RH12 1XL. www.fsa.gov.uk or telephone 0845 606 1234.
Making a claim - This procedure applies to Home Emergency Cover only
1 If an insured event takes place ring 0845 736 1361.
2 We will try to find a suitable repairer. But we may not be able to do this if:
- the weather is too bad;
- there are industrial disputes official or otherwise;
- the public transport system fails (including the road and railway networks and repairs to them); or
- there are other problems which prevent someone gaining access to the insured premises or which makes providing the service impractical.
3 We will only pay charges of repairers instructed by us.
4 We will pay the claim subject to the terms exclusions and conditions of this Home Emergency Cover.
Definitions
AA Home Emergency Cover
Certain words have specific meanings wherever they appear in this policy or your summary.
To help you identify these we have printed them in bold and italics throughout the policy.
AA Insurance Services - Automobile Association Insurance Services Limited.
Authorised insurer - Royal & Sun Alliance Insurance Plc.
Policyholder - The person(s) named in the summary.
Policy Summary - The document which provides a brief summary of the main features and benefits, significant exclusions and limitations of the policy.
Statement of Insurance - The document which gives details of you, the authorised insurer, the home and cover.
Property - The building within its boundary.
Building - Your home as shown in the summary and, if they form part of the property:
Home - The house, bungalow, flat or maisonette shown in the summary.
Insured event - The need for an emergency repair because of:
(a) burst or blocked pipes, blocked drains, or damage to any part of the domestic heating or water system if there is likely to be flooding;
(b) removal of a wasps' or hornets' nest attached to the Property;
(c) roof damage as a result of storm or impact damage with a likelihood of flooding, or affecting security;
(d) damage to locks on doors and external broken windows affecting security;
(e) fire or burglary where immediate repairs are required (and possible) to make the insured premises safe, secure or habitable but only to prevent:
- unreasonable discomfort or difficulties for occupants of the insured premises; or
- damage to the insured premises if prompt attention was not forthcoming.
Insured premises - The private dwelling (which may also be multi tenanted or sub let by landlords) named in the summary. This excludes all outbuildings and detached garages.
Period of insurance - The period of cover as shown in the summary.
We, us - Royal & Sun Alliance Insurance Plc, St Marks Court, Chart Way, Horsham, West Sussex, RH12 1XL.
You, your - The policyholder, spouse/partner, and their relatives normally living in the insured premises.
What is insured
We will pay a combined total of up to £250 (including VAT) for call out, labour, parts and materials to cover an emergency service following an insured event during the period of insurance.
What is not insured
1 Systems or structures which have not been installed or fitted by a suitably-qualified workman, unless they were installed or fitted prior to you becoming the occupier of the insured premises.
2 Any claim as a result of circumstances which you knew about before the start of cover under this section.
3 Damage because you have not used any of the systems or structures covered by this section properly.
4 Consequential loss of any kind.
5 Damage caused by a deliberate act by you or anyone else living in the insured premises.
6 Any claim as a result of a fault that needed repairing before the start of cover under this section or one which was not adequately repaired previously.
7 Mechanical or electrical breakdown or failure of any domestic appliance or anti-theft device.
8 Routine maintenance work.
9 Any damage to flat, tarpaulin, glass, plastic, felt or thatched roofs.
10 More than four insured events in any period of insurance.
11 Any expense which you would have incurred anyway to protect the insured premises against loss or damage if no insured event had taken place.
General condition relating to this Section
1 Policy terms
We will not make any payment under Home Emergency Cover if you break any of the below terms and conditions.
General exceptions and general conditions that apply to the whole policy
What are they?
You should pay particular attention to these general exceptions and general conditions.
General exceptions give details of the incidents or property which your buildings insurance does not cover. They are not listed anywhere else in this policy booklet.
General conditions give details of how you can cancel this policy and what we expect you to do, and notify us of, throughout your period of insurance.
For example, this includes taking adequate care of your property and notifying us as soon as possible of any changes which may affect this insurance, including
a period of 30 days or more where the property is unoccupied.
It is important you read the general exceptions and general conditions so that you understand the basis of which you have undertaken this insurance.
If you have any questions, please phone our Customer Services Helpline on 0870 160 0139.
The notes on this page are for your benefit and information. They do not form part of your policy.
General exceptions
This policy does not insure the following:
1 Any property insured under a more specific policy.
2 Any fall in market value as a result of repairs or reinstatement.
3 Loss or damage as a result of delay, confiscation or detention by order of any government or public authority.
4 Loss where property is obtained by any person using any form of payment which proves to be counterfeit, false, fraudulent, invalid, uncollectable, irrecoverable or irredeemable for any reason.
5 Any liability arising directly or indirectly from the transmission of:
- Human Immunodeficiency Virus (HIV) and/or any HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutant derivative or variations thereof however caused; or
- any communicable disease by you.
6 Incidents which took place before the start of this insurance.
7 Any consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
8 Damage caused by pressure waves from aircraft and other aerial devices travelling at sonic or supersonic speeds.
9 Any legal liability, loss or damage to any property, or any resulting loss or expense or any consequential loss:
Directly or indirectly caused by or contributing to or arising from; ionising radiation or radioactive contamination from nuclear fuel or nuclear waste; or the radioactive, toxic, explosive or other hazardous properties of explosive nuclear equipment or its nuclear parts.
10 Loss, damage, consequential loss or liability or injury directly or indirectly caused by, contributed to or arising from pollution or contamination unless it is:
- caused by a sudden, identified, unexpected and unforeseen accident which happens in its entirety at a specific moment of time during the period of insurance at the property; and
- reported to us within 30 days of the end of the period of insurance.
In which case, all such pollution or contamination will be considered to have happened at the time of such accident.
11 Loss or damage or expense caused by or any legal liability arising from any computer hardware or software or other electrical/electronic equipment not being able to recognise or process any date as the true calendar date.
Subsequent loss or damage which is otherwise covered by the policy is nevertheless insured.
12 Loss or damage arising from gradually operating causes including deterioration, wear and tear, corrosion, rot or similar causes.
13 Loss, damage, cost or expense of whatever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing at the same time or in any other sequence to the loss.
For the purpose of this exception an act of terrorism means the use, or threatened use, of biological, chemical and/or nuclear force by any person or group of people whether acting alone or on behalf of or in connection with any organisation(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the public in fear.
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No cover unless Contents Insurance is also purchased.
Home Legal Expenses Policy
This cover is an add on to your AA Contents Insurance Policy and is not available as a standalone product.
Legal advice helpline
Call 0161 428 7039 for help with legal matters, 24 hours a day, 365 days a year.
Home Legal Expenses Cover
Home Legal Expenses cover is underwritten by Acromas Insurance Company Limited, 57-63 Line Wall Road, Gibraltar. Registered Number 88716 (Gibraltar).
UK branch address: Acromas Insurance Company Limited, Enbrook Park, Folkestone, Kent, CT20 3SE.
Acromas Insurance Company Limited is authorised and regulated by the Commissioner of Insurance, Financial Services Commission, Gibraltar, and regulated by the Financial Services Authority, United Kingdom. Acromas Insurance Company Limited is a member of the Association of British Insurers.
Welcome to AA Insurance Services
A warm welcome and thank you for choosing to buy this Home Legal Expenses policy. Our aim at AA Insurance Services is to combine value for money with
peace of mind.
Your policy booklet and statement of insurance include everything you need to know about your Home Legal Expenses cover. Alternatively, you can always
contact our experienced customer service agents who are there to help you with all your home insurance needs.
The AA is able to offer great deals on many types of insurance. If you want more information on our other products or services, we can help you. Either call us or visit our website on www.theAA.com.
What will you pay for our services?
Other than in the event of a cancellation (see cancellation terms under general conditions) you will not have to pay a fee for our service. We will tell you about any other charges relating to any particular insurance policy.
About your policy
We've put this wording together to clearly set out the details of your insurance cover. Please read it carefully, as well as your statement of insurance, and
policy summary to make sure they meet your needs.
Remember to check the exclusions and restrictions under each section and also the general exceptions and exclusions which apply to the whole policy.
Renewing your cover
This policy can only be renewed along with your AA Contents Insurance and we'll send you renewal terms for both at the appropriate time.
Legal expenses cover
What is it?
Home Legal Expenses gives you have access to a legal helpline and up to £25,000 (including VAT) of legal expenses cover.
The legal helpline gives you access to help with legal matters covered under the legal expenses policy detailed below 24 hours a day, 365 days a year.
The legal expenses cover provides extra protection and extra peace of mind.
It protects you against the costs of being sued or having to make a claim against someone else. You will find full details of what is covered and what is not covered on the following pages. But if at any time you need more information or would like to check your cover, please phone our Customer Services Helpline on 0870 160 0139.
Customer services helpline 0870 160 0139
for policy advice and questions 8am - 9pm Monday to Friday 8am - 5pm Saturday 9am - 5pm Sunday
Definitions
AA Home Legal Expenses
Certain words have specific meanings wherever they appear in this policy or your summary.
To help you identify these we have printed them in bold throughout the policy.
AA Insurance Services - Automobile Association Insurance Services Limited.
Building Your home - as shown in the summary and, if they form part of the property:
Home - The house, bungalow, flat or maisonette shown in the summary. Domestic garages belonging to the property. Outbuildings if they form part of the property.
Policy Summary - The document which provides a brief summary of the main features and benefits, significant exclusions and limitations of the policy.
Policyholder - The person(s) named in the summary.
Property - The building and the land within its boundary
Statement of Insurance - The document which gives details of you, the authorised insurer, the home and cover.
You, your - The policyholder, their spouse/partner, and relatives normally living at your home.
Appointed solicitor - Any lawyer, firm of lawyers or other suitably qualified person, firm or company instructed under paragraph 3 of this Section.
Authorised insurer - Acromas Insurance Company Limited.
Claim limit - The most we will pay for any one claim for legal expenses, including your opponent's costs, is £25,000 including VAT.
Legal expenses - Legal fees, costs, disbursements and opponent's costs reasonably and properly incurred by the appointed solicitor, and in proportion to the total value of the claim, the complexity of the issues, the importance of the matter and the financial position of the parties.
Personal goods - Goods which you own or are legally responsible for.
Reasonable prospects - Where there is more than a 50% chance of succeeding with your claim and/or enforcing any award and that it would be reasonable to advise any private paying client in the same circumstances to pursue the claim.
Territorial limits - Great Britain, the Isle of Man, Channel Islands and Northern Ireland.
Vehicle - Any mechanically propelled motor vehicle (including scooters), aircraft or vessel
We, our, us - Acromas Insurance Company Limited, 57-63 Line Wall Road, Gibraltar. Registered Number 88716 (Gibraltar). UK branch address: Acromas Insurance Company Limited, Enbrook Park, Folkestone, Kent, CT20 3SE.
Acromas Insurance Company Limited is authorised and regulated by the Commissioner of Insurance, Financial Services Commission, Gibraltar, and regulated by the Financial Services Authority, United Kingdom. Acromas Insurance Company Limited is a member of the Association of British Insurers.
What cover is provided
A 24-hour helpline which provides initial advice on any personal legal matter covered under the legal expenses cover. We provide legal expenses cover for the following:
1 Any legal cause of action arising from you dying or being physically injured.
2 Any legal cause of action arising out of a contract entered into by, or on behalf of, you for:
- receiving services;
- selling, buying, leasing or hiring of any personal goods; or
- selling, buying or renting the building.
3 Any legal cause of action arising out of a contract of employment entered into by you.
4 Any legal cause of action arising out of a dispute concerning you owning or occupying the building.
What is not insured
1 Any legal cause of action reported to us more than six calendar months after the time at which the cause of action occurred or commenced. Reporting needs to be via a completed legal expenses claim form.
2 Legal expenses which you incur before we have accepted your claim.
3 Any matter where the cause of action or series of actions first arose prior to the first period of insurance.
4 Any disagreement over a contract of insurance which relates only to the amount of your claim.
5 Any disagreement over the position, location, movement or existence of the boundaries of the building.
6 Any matter where the value of the claim for damages is less than £250.
7 Matters relating to:
- the actual, planned or proposed construction, closure, adoption or repair of roads or bridges;
- the actual, planned, proposed construction, demolition or adoption of buildings or housing; or
- any work by order of any government or public or local authority.
8 Any public or private planning matter.
9 Owning, driving, using or repairing of any vehicle. You are however covered as a passenger in a vehicle not being a vehicle owned or driven by you.
10 Any matter arising from professional, business or trade activities; including letting the property.
11 Legal cause of action where your opponent is also insured under this policy.
12 Legal cause of action in which one of your opponents is the authorised insurer, The Automobile Association Limited, AA Corporation Limited, any associated or subsidiary company or co-insurer.
13 Legal cause of action relating to matrimonial, cohabitation or other family law matters.
14 Any matter arising from a deliberate or criminal act or omission or criminal prosecution of you or any proceedings in a court of criminal jurisdiction.
15 Any legal cause of action involving defamation, slander or libel.
16 Any matter relating to:
- patents, copyright, design rights, trade marks, service marks, character or merchandise marks or any other form of intellectual property; or
- secrecy, confidentiality agreements or computer software or data protection.
17 Any matter relating to stock, shares, debentures, funds, pensions funds, mortgages or other investments.
18 Legal cause of action relating to wills or probate.
19 Building or contractual disputes which involve any property other than the building.
20 Any matters arising from Trusts of any kind.
21 Any matters relating to taxation.
22 Any legal cause of action which occurs outside the territorial limits of the policy.
23 Any legal cause of action in relation to a contract of employment which occurs within 90 days of the first policy being taken out.
24 Any matter relating to professional negligence of any lawyer or expert acting on your behalf in relation to a claim under this section.
25 Any legal cause of action in relation to the professional negligence of any lawyer or expert acting on your behalf where the original matter, for which he/she was instructed is an excluded cause of action as defined in this section.
26 Any legal cause of action relating to neighbour disputes which occurs within 90 days of the first policy being taken out.
27 Any legal cause of action arising out of a contract entered into by or on behalf of you buying, selling or renting animals and livestock.
28 Judicial reviews in relation to any matter.
29 Any matters regarding the membership of clubs or societies.
How to use the legal expense service and the conditions that apply to this Section.
Conditions
1 Notifying a claim
(a) What you must do
- Contact us as soon as possible after anything happens which might lead to a claim.
- Let us have any details and documents we may need to support your claim at your own expense.
- Answer any questions we may ask about your claim.
- Tell us immediately about any writ, summons or likely prosecution.
- A claim will only be considered once a completed legal expenses claim form has been received by us.
(b) What you must not do
- Negotiate, admit or deny any claim without our written permission.
- Instruct a lawyer. If we accept your claim, representation will be arranged for you.
(c) What we will do
- We will assess your claim to decide whether there are reasonable prospects of success and there is a reasonable chance of enforcing any judgement or award.
2 Negotiation
If we decide there are reasonable prospects of pursuing your claim and of enforcing any judgement or award we will advise you of the most suitable action to take.
3 Representation
If we accept your claim we or our appointed solicitors will negotiate on your behalf.
We may allow you to appoint a solicitor of your choice but only after legal proceedings are about to be issued, provided:
1. We agree in writing. We may choose not to accept the choice of solicitor.
2. The solicitor appointed agrees to our terms and conditions and agrees to keep us updated regularly on the progress of the claim.
If the solicitor chosen by you in the circumstances will not agree to our terms and conditions, we will not be obliged to afford any indemnity to you under the terms of the policy.
3. The solicitor must agree to keep you informed of costs incurred to date on a regular basis.
4. There remains reasonable prospects of success.
5. The solicitor you wish to appoint is in our opinion suitably qualified and experienced to deal with the claim.
6. The location and qualification of the solicitor you wish to instruct and their hourly rate charged are appropriate to the nature and complexity of the particular matter in dispute. We reserve the right to cap the hourly rate at a level which appropriately reflects the above.
The solicitor we appoint will then act for you during your claim. If you withdraw instructions to the appointed solicitor without our written permission and agreement, our liability under this insurance will cease. We may then not meet any costs or expenses incurred and claim back from you any amounts we have already paid unless we agree to another solicitor being appointed.
4 Our rights
We are entitled to:
- take over, defend or settle any claim or legal action in your name;
- take legal action at our expense and for our benefit, but in your name, to recover any payment we have made under this Section;
- receive from you any information we may need;
- liaise with the appointed solicitor and receive any information or documents relevant to your claim;
- get the appointed solicitor's opinion on the chances of your case succeeding and any judgement being enforced; and
- at our absolute discretion pay you an amount up to or equal to the value of your claim as calculated by us;
- where a person is ordered or agrees to pay your legal costs and expenses, and compensation, either in full or by instalments, these instalments will be paid to us until we have recovered the total amount that the other person was ordered or agreed to pay by way of legal costs and expenses charges.
5 Withdrawing our support
We may at any time withdraw our support for your claim if:
- we decide the prospects of success or enforcement of any judgement or potential judgement are insufficient to justify our continuing support;
- you act in a way which may prejudice the settlement of your claim; or
- we feel that your interests are better served by other means; or
- you fail to co-operate with us or our solicitors or fail to follow their advice.
In that case, we will write and explain our reasons for withdrawing support and in the event of you acting in a manner prejudicial to your claim or failing to co-operate as stated above, we, reserve the right not to meet any costs or expenses incurred and to seek reimbursement from you of all costs paid under the policy.
6 Offers, payments into court and proposed settlement of the claim
You must let us know about any offer you receive to settle the claim or of any payment made into court. You must not agree to any settlement without our written permission unless your opponent also offers to pay all costs and expenses arising from the claim.
Failure to advise us of any offer, could result in withdrawal of our support of your claim.
7 Appointed solicitors' costs, witness costs and other expenses
- We will not pay any costs or expenses which you incur before we have accepted your claim. And we will not pay any costs and expenses which you incur without our permission or which are higher than the amounts we have approved.
- We will not pay any costs or expenses as a result of your failing to provide instructions or information to the appointed solicitor. And we will not pay any costs and expenses as a result of you acting against your appointed solicitor's advice or in a way which may prejudice the settlement of the claim.
- The appointed solicitor, will, at our request, prepare a bill of costs for assessment by the relevant authorities.
8 Appeals
It is at our absolute discretion whether to support an appeal. We can only consider a request to support an appeal if you give us written notice that you are planning to appeal at least six days before the time for lodging the appeal expires. You should tell us without delay if you want us to consider supporting your appeal.
9 Conflict of interest
If your claim is against someone who is also covered by an AA Home Insurance policy, then provided we have previously decided it is necessary for an appointed solicitor to be retained by you, then we may choose to instruct another solicitor of our choice to act for you.
10 Arbitration
If there is a dispute between you and us, the matter may be referred to an arbitrator who you and we agree to. If we cannot agree on an arbitrator, one will be chosen by the President of the Law Society or by the Chairman of the Bar Council.
The person the arbitrator's decision goes against will pay all the costs of arbitration. If the decision is not clearly made against either you or us, the arbitrator will decide how you and we will share the costs of arbitration.
General exceptions and general conditions that apply to the whole policy
What are they?
You should pay particular attention to these general exceptions and general conditions.
General exceptions give details of the incidents or items which your Home Legal Expenses policy does not cover. They are not listed anywhere else in this policy booklet.
General conditions give details of how you can cancel this policy and what we expect you to do, and notify us of, throughout your period of insurance.
For example, this includes taking adequate care of your property and notifying us as soon as possible of any changes which may affect this insurance.
It is important you read the general exceptions and general conditions so that you understand the basis of which you have undertaken this insurance. If you have any questions, please phone our Customer Services Helpline on 0870 160 0139.
The notes on this page are for your benefit and information. They do not form part of your policy.
General exceptions
This policy does not insure the following:
1 Loss or damage to property owned used or held in trust in connection with any business, profession or trade other than what is covered by Section 1 of
your AA Contents Insurance policy.
2 Any property or liability insured under a more specific policy.
3 Any fall in market value as a result of repairs or reinstatement.
4 Loss or damage as a result of delay, confiscation or detention by order of any government or public authority.
5 Loss where property is obtained by any person using any form of payment which proves to be counterfeit, false, fraudulent, invalid, uncollectable, irrecoverable or irredeemable for any reason.
6 Any liability arising directly or indirectly from the transmission of:
- Human Immunodeficiency Virus (HIV) and/or any HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutant derivative or variations thereof however caused; or
- any communicable disease by you.
7 Incidents which took place before the start of this insurance.
8 Any consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or
usurped power.
9 Damage caused by pressure waves from aircraft and other aerial devices travelling at sonic or supersonic speeds.
10 Any legal liability, loss or damage to any property, or any resulting loss or expense or any consequential loss:
Directly or indirectly caused by or contributing to or arising from:
- ionising radiation or radioactive contamination from nuclear fuel or nuclear waste; or
- the radioactive, toxic, explosive or other hazardous properties of explosive nuclear equipment or its nuclear parts.
11 Loss or damage directly or indirectly caused by riot or civil commotion outside Great Britain, Isle of Man, Channel Islands or Northern Ireland.
12 Loss, damage, consequential loss or liability or injury directly or indirectly caused by, contributed to or arising from pollution or contamination unless
it is:
caused by a sudden, identified, unexpected and unforeseen accident which happens in its entirety at a specific moment of time during the period of insurance at the property; and reported to us within 30 days of the end of the period of insurance. In which case, all such pollution or contamination will be considered to have
happened at the time of such accident.
13 Loss or damage or expense caused by or any legal liability arising from any computer hardware or software or other electrical/electronic equipment not being able to recognise or process any date as the true calendar date.
Subsequent loss or damage which is otherwise covered by the policy is nevertheless insured.
14 Loss or damage arising from gradually operating causes including deterioration, wear and tear, corrosion, rot or similar causes.
15 Loss, damage, cost or expense of whatever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing at the same time or in any other sequence to the loss.
For the purpose of this exception an act of terrorism means the use, or threatened use, of biological, chemical and/or nuclear force by any person or group of people whether acting alone or on behalf of or in connection with any organisation(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the public in fear.
General conditions
1. Cancellation
Procedures are explained below dependent on who invokes cancellation
The Policyholder
If the policyholder needs to cancel this policy contact AA Insurance Services on 0870 160 0139.
Where the policyholder cancels the AA Contents Insurance policy then this Home Legal Expenses policy will also be cancelled on the same date.
The policyholder will, for a period of 14 days from the date the policyholder receives the policy documentation or the date the policyholder enters into the contract (whichever is later), have a right to cancel this policy and receive a refund. This refund will be subject to a charge for the period of cover the policyholder has received plus AA Insurance Services' reasonable administrative expenses, except where cover has not commenced prior to the end of this 14-day period, in which case the policyholder will be entitled to a full refund of the premium the policyholder has paid.
Beyond the above period, the policyholder may cancel this insurance at any time. No refund will be allowed if a claim has been made or liability has arisen under this insurance prior to such cancellation during the current period of insurance. Any return of premium due would depend on how long the insurance has been in force and will be subject to AA Insurance Services' reasonable administration charges.
Authorised Insurer and AA Insurance Services
The authorised insurer or AA Insurance Services may cancel this insurance by sending at least seven days written notice to Your last known address. A full pro rata premium refund will be allowed from the date of cancellation, no deduction will be made for commission and a refund will be allowed regardless of whether a claim has been made under the policy.
Any such cancellation by You, the authorised insurer or AA Insurance Services will not affect any rights and responsibilities arising before cancellation takes place.
2 You must do all that you can reasonably do to avoid injury, loss or damage and protect your property. You must make sure other people do the same.
3 The policyholder must contact us as soon as possible about any change which may affect this insurance, this includes any changes concerning the policyholder, their spouse/partner, relatives and domestic employees, normally living at your home. If you are not sure if a change is relevant, contact AA Insurance Services. When you renew your policy, you must also tell us if the policyholder, their spouse/partner, relatives and domestic employees, normally living at your home have been declared bankrupt or convicted of any criminal offence.
4 To safeguard the interest of the policyholder under this policy the policyholder irrevocably appoints AA Insurance Services to act for the policyholder to cancel this policy if AA Insurance Services believes it is in the best interest of the policyholder to do so.
5 The policyholder and the authorised insurer are free to choose the law applicable to this contract but in the absence of agreement to the contrary, the law of the country in which the policyholder resides at the inception of the contract (or, in the case of a business, the law of the country in which the registered office or principal place of business is situated) will apply. If the policyholder is not resident (or, in the case of a business, the registered office or principal place of business is not situated) in England or Wales, Scotland, Northern Ireland, Channel Islands or the Isle of Man the law which will apply is the law of England and Wales.
6 The terms and conditions and all other information concerning this insurance are supplied in the English language and we undertake to communicate in this language for the duration of the policy.
7 Save for the rights granted to AA Insurance Services under this contract any person or company who is not a party to this contract does not have any rights they can enforce under this contract by virtue of the Contracts (Rights of Third Parties) Act 1999 except those they have by law.collapse