How the Insurer settles claims
Lost property
Where property has been lost the Insurer will replace with the closest possible match.
Damaged property
Where possible, damaged property will be repaired. Where repair is not possible the property will be replaced with the closest possible match.
Where repair or replacement is not possible, the Insurer will pay in cash the amount of the loss or damage.
Where repair or replacement is possible but under the circumstances the Insurer considers it appropriate to make a cash settlement, the sum payable will reflect any discounts the Insurer may have received if they had replaced the property.
Cash payment
Wherever cash payments are made, the sum payable reflects the lost or damaged property at todays prices.
Replacement
Where replacement of property is arranged, the Insurers settlement cheque will be sent directly to the supplier.
Matching items or areas and carpets
Where loss or damage occurs and an exact repair or replacement is not possible the Insurer will endeavour to provide the closest match. If the lost or damaged item or area matched others in the Home, the Insurer will only pay for the lost or damaged item or area.
An individual item of a matching set of articles or suite of furniture or sanitary ware or other bathroom fittings is regarded as a single item.
Where carpeting is damaged beyond repair, only the damaged carpet will be replaced and not undamaged carpet in adjoining rooms or areas.
Will a deduction be made for wear and tear?
Contents There will be a deduction for clothes, furs and household linen.
There will be no deduction for all other Contents provided they have been maintained in good repair and the sum insured represents the full value of the property (see General conditions on page 5 and Claims
conditions on page 7).
Buildings If repair or reinstatement is carried out there will be no deduction provided that the sum insured represents the full value of the property and it has been maintained in good repair.
Other insurance policies
If any injury loss or damage is covered by any other insurance the Insurer will not pay more than Their proportion.
collapse
| Application Criteria | |||||
| Home Insurance Type | Contents | Contents | |||
| Permanent UK Resident | yes | This product is only available to individuals who are permanent UK residents. | |||
| Available Direct | yes | This product is available direct from the provider. | |||
| Available via | direct | Direct | |||
| Available Online | yes | Yes | |||
| Maximum Bedrooms | Unlimited | Ul | |||
| Contents Cover | |||||
| Maximum Contents Cover | £250,000 | £250000 | |||
| Level of Cover | new for old | How the Insurer settles claims Lost property Where property has been lost the Insurer will replace with the closest possible match. Damaged property Where...expand | |||
| Contents Accidental Damage | optional | Part B - Contents additional cover Your schedule will show if this extension has been chosen What is covered 28 Accidental loss or damage to contents...expand Part B - Contents additional cover Your schedule will show if this extension has been chosen What is covered 28 Accidental loss or damage to contents whilst in the Home. What is not covered Accidental loss or damage: a specifically excluded under Part A Contents standard cover b more specifically covered elsewhere in this Policy c by any gradually operating cause d by wear and tear e by chewing, scratching, tearing or fouling by domestic pets f by rot, fungus, insects or vermin g caused by or in the process of cleaning, maintenance, repair, dismantling, restoring, altering, dyeing or washing h by the action of light or any atmospheric or climatic condition i by mechanical or electrical breakdown or failure j arising from depreciation in value or consequential loss k arising from the cost of remaking any film disc or tape or the value of any information contained on it l to computers or computer equipment: i by erasure or distortion of data ii by accidental erasure or mislaying or misfiling of documents or records iii by viruses iv by contamination m to food, drink and plants n to contact lenses o while the Home is Unoccupied or Unfurnished. collapse | |||
| Single Item Cover | up to contents si | No Single Item Limit applies other than for Valuables. | |||
| Single Item Away from Home Cover | £1,000 | £1000 | |||
| Valuables Single Item Cover | £2,500 | Part A - Contents standard cover Your schedule will show if this section has been chosen. What are Contents? All of the following things are included provided...expand Part A - Contents standard cover Your schedule will show if this section has been chosen. What are Contents? All of the following things are included provided that they belong to You or Your Family or You or Your Family are legally responsible for them. Household goods Tenants fixtures, fittings and interior decorations. Business equipment Computer equipment, facsimile machines, photocopiers, typewriters, word processors, telecommunication equipment, office furniture, and stock (not held for sale). It does not include tools or business stock. Personal effects Clothes and articles of a strictly personal nature likely to be worn, used or carried and also portable radios, portable TVs, sports equipment and pedal cycles. It does not include Valuables or Money. Valuables Jewellery (including costume jewellery) articles of or containing gold, silver or other precious metals, cameras (which includes video cameras and camcorders), binoculars, watches, furs, paintings and other works of art, collections of stamps, coins and medals. Money Coins and bank notes in current use, postal orders, postage stamps which are not part of a collection, trading stamps, premium bonds, saving stamps or certificates, luncheon vouchers, record, book or similar tokens, money orders, travel tickets including season tickets, petrol coupons, gift tokens, phonecards, pre-booked event and entertainment tickets and electronic money cards. What Contents are not covered? a Watercraft (which includes sailboards and windsurfers) aircraft, caravans, trailers and mechanically propelled vehicles (which includes motor cycles and childrens motor cycles and motor cars, quad bikes and childrens quad bikes) but lawnmowers, garden implements, wheelchairs, models and toys are covered b Parts, accessories, tools, fitted radios, cassette players and compact disc players for the things in (a) above c Plant or any living creature d Property more specifically covered by any other insurance e Documents other than as shown in cover 20 f Lottery tickets and raffle tickets g Any part of the structure of the Buildings other than fixtures and fittings for which You are responsible as occupier. What is the most the Insurer will pay? The Insurer will not pay more in total than the sum insured shown for Contents in Your schedule for any one claim under causes 111 and covers 12, 13, 18, 28 and 29. The Insurer will pay in addition amounts due under covers 1417 and 1927 up to the limits shown. The following limits apply: for any one valuable £2,500 for any one claim 1/3 of Contents for Valuables sum insured for Money £500 for frozen food £1,000 for any one pedal cycle £500 for credit cards £1,000 These are the standard limits, if You have increased any of them the revised limits which apply to Your Policy will be shown in Your schedule. Inflation Protection applies see page 11.collapse | |||
| Single Bicycle Away from Home Cover | £500 | Part C - Personal possessions Inflation protection applies see page 11. What are Personal possessions? All of the following things are included provided...expand Part C - Personal possessions Inflation protection applies see page 11. What are Personal possessions? All of the following things are included provided that They belong to You or Your Family or You or Your Family are legally responsible for them and They are mainly used for private purposes. Personal effects Clothes and articles of a strictly personal nature likely to be worn, used or carried and also portable radios, portable TVs and sports equipment. It does not include Valuables or Money. Valuables Jewellery (including costume jewellery) articles of or containing gold, silver or other precious metals, cameras (which includes video cameras and camcorders), binoculars, watches, furs, paintings and other works of art, collections of stamps, coins and medals. Money Coins and bank notes in current use, postal orders, postage stamps which are not part of a collection, trading stamps, premium bonds, saving stamps or certificates, luncheon vouchers, record, book or similar tokens, money orders, travel tickets including season tickets, petrol coupons, gift tokens, phonecards, pre-booked event and entertainment tickets and electronic money cards. What is the most the Insurer will pay? The Insurer will not pay more in total than the sum insured shown for Personal possessions in Your schedule for any one claim under this section. NB: The sum insured under this section is included within the sum insured for Contents standard cover and is not in addition to it. The following limits apply: for Money £500 for credit cards £1,000 for any one pedal cycle £500 for any one Valuable £2,500 These are the standard limits. If You have increased any of them the revised limits which apply to Your Policy will be shown by Endorsement in Your schedule. collapse | |||
| Theft From Outbuildings | £5,000 | Part A - Contents standard cover 3 Theft or attempted theft. Minimum security precautions Endorsement may apply. What is not covered a Loss or damage...expand Part A - Contents standard cover 3 Theft or attempted theft. Minimum security precautions Endorsement may apply. What is not covered a Loss or damage while the Home is Unoccupied or Unfurnished b 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. c loss or damage caused by any person lawfully in Your Home. The Insurer will not pay for the following unless there has been forcible and violent entry to or exit from the Home: i theft of pedal cycles ii theft of Money iii loss or damage from the Home if any part is let, lent or sub let or occupied by anyone but You or Your Family iv loss or damage from any part of the Home which is used for any business, trade, profession or employment purposes. The Insurer will not pay more than £5000 for any one claim for Contents in a garage or outbuildings. collapse | |||
| Student Belongings | 20% of contents si | Part A - Contents standard cover What is covered Loss or damage to Your or Your Familys contents while they are in the Home by the following causes: 18...expand Part A - Contents standard cover What is covered Loss or damage to Your or Your Familys contents while they are in the Home by the following causes: 18 Temporary removal. Loss or damage by causes 111 to Contents temporarily removed from the Home to: i any bank or safe deposit ii any occupied private residence iii any Building where You or Your Family are working or temporarily residing while anywhere in Europe. The Insurer will provide insurance protection for Contents in the Home during normal periods of unoccupancy, for example when You are on holiday. However, if You are going away for 30 consecutive days or more or if the Home is to be vacated please tell Us as this will affect the terms of Your Policy. What is not covered Loss or damage: a By theft unless it involves forcible and violent entry to or exit from a Building b from a caravan, mobile home or motor home c outside the United Kingdom, the Isle of Man or the Channel Islands by riot, civil commotion, strikes, labour and political disturbances or malicious persons. The Insurer will not pay more than 20% of the sum insured for Contents for any one claim.collapse | |||
| Money in the Home | £500 | Part A - Contents standard cover Your schedule will show if this section has been chosen. What are Contents? All of the following things are included provided...expand Part A - Contents standard cover Your schedule will show if this section has been chosen. What are Contents? All of the following things are included provided that they belong to You or Your Family or You or Your Family are legally responsible for them. Household goods Tenants fixtures, fittings and interior decorations. Business equipment Computer equipment, facsimile machines, photocopiers, typewriters, word processors, telecommunication equipment, office furniture, and stock (not held for sale). It does not include tools or business stock. Personal effects Clothes and articles of a strictly personal nature likely to be worn, used or carried and also portable radios, portable TVs, sports equipment and pedal cycles. It does not include Valuables or Money. Valuables Jewellery (including costume jewellery) articles of or containing gold, silver or other precious metals, cameras (which includes video cameras and camcorders), binoculars, watches, furs, paintings and other works of art, collections of stamps, coins and medals. Money Coins and bank notes in current use, postal orders, postage stamps which are not part of a collection, trading stamps, premium bonds, saving stamps or certificates, luncheon vouchers, record, book or similar tokens, money orders, travel tickets including season tickets, petrol coupons, gift tokens, phonecards, pre-booked event and entertainment tickets and electronic money cards. What Contents are not covered? a Watercraft (which includes sailboards and windsurfers) aircraft, caravans, trailers and mechanically propelled vehicles (which includes motor cycles and childrens motor cycles and motor cars, quad bikes and childrens quad bikes) but lawnmowers, garden implements, wheelchairs, models and toys are covered b Parts, accessories, tools, fitted radios, cassette players and compact disc players for the things in (a) above c Plant or any living creature d Property more specifically covered by any other insurance e Documents other than as shown in cover 20 f Lottery tickets and raffle tickets g Any part of the structure of the Buildings other than fixtures and fittings for which You are responsible as occupier. What is the most the Insurer will pay? The Insurer will not pay more in total than the sum insured shown for Contents in Your schedule for any one claim under causes 111 and covers 12, 13, 18, 28 and 29. The Insurer will pay in addition amounts due under covers 1417 and 1927 up to the limits shown. The following limits apply: for any one valuable £2,500 for any one claim 1/3 of Contents for Valuables sum insured for Money £500 for frozen food £1,000 for any one pedal cycle £500 for credit cards £1,000 These are the standard limits, if You have increased any of them the revised limits which apply to Your Policy will be shown in Your schedule. Inflation Protection applies see page 11.collapse | |||
| TV/Video Accidental Damage | standard | Part A - Contents standard cover What is covered Loss or damage to Your or Your Familys contents while they are in the Home by the following causes: 12...expand Part A - Contents standard cover What is covered Loss or damage to Your or Your Familys contents while they are in the Home by the following causes: 12 Home entertainment equipment. Accidental Damage to: i television sets and their aerials ii radios iii record players, compact disc players and tape recorders iv video recorders (VCRs) v DVD players vi home computers vii cable/satellite/digital television receivers. What is not covered a Mechanical or electrical breakdown or failure b loss arising from the cost of remaking any film, disc or tape or the value of any information contained on it c damage caused by or in the process of cleaning, maintenance, repair, dismantling, altering or dyeing d loss or damage by chewing, scratching, tearing or fouling by domestic pets e damage caused by wear and tear f damage caused by rot, fungus, insects or vermin g damage caused by the action of light or any atmospheric or climatic condition h damage caused by any gradually operating cause i Accidental Damage or contamination to computers or computer equipment by: i erasure or distortion of data ii accidental erasure or mislaying or misfiling of documents or records iii viruses collapse | |||
| Loss of Water Cover | £1,000 | Part A - Contents standard cover What is covered Loss or damage to Your or Your Familys contents while they are in the Home by the following causes: 16...expand Part A - Contents standard cover What is covered Loss or damage to Your or Your Familys contents while they are in the Home by the following causes: 16 Accidental loss of oil and metered water. The Insurer will pay for accidental loss of domestic heating oil and metered water. What is not covered Loss or damage while the home is unoccupied or unfurnished The Insurer will not pay more than £1,000 for any one claim.collapse | |||
| Loss of Oil Cover | £1,000 | Part A - Contents standard cover What is covered Loss or damage to Your or Your Familys contents while they are in the Home by the following causes: 16...expand Part A - Contents standard cover What is covered Loss or damage to Your or Your Familys contents while they are in the Home by the following causes: 16 Accidental loss of oil and metered water. The Insurer will pay for accidental loss of domestic heating oil and metered water. What is not covered Loss or damage while the home is unoccupied or unfurnished The Insurer will not pay more than £1,000 for any one claim.collapse | |||
| Business Equipment Cover | standard | Part A - Contents standard cover What is covered Loss or damage to Your or Your Familys contents while they are in the Home by the following causes: 24...expand Part A - Contents standard cover What is covered Loss or damage to Your or Your Familys contents while they are in the Home by the following causes: 24 Business equipment. The Insurer will pay up to £5,000 in total for loss or damage to Business equipment within Your Home. The most the Insurer will pay for any one item is £2,000. What is not covered 24 Loss or damage specifically excluded under Part A - Contents standard cover. collapse | |||
| Money and Credit Card Cover | standard in pp | Part C - Personal possessions Inflation protection applies see page 11. What are Personal possessions? All of the following things are included provided...expand Part C - Personal possessions Inflation protection applies see page 11. What are Personal possessions? All of the following things are included provided that They belong to You or Your Family or You or Your Family are legally responsible for them and They are mainly used for private purposes. Personal effects Clothes and articles of a strictly personal nature likely to be worn, used or carried and also portable radios, portable TVs and sports equipment. It does not include Valuables or Money. Valuables Jewellery (including costume jewellery) articles of or containing gold, silver or other precious metals, cameras (which includes video cameras and camcorders), binoculars, watches, furs, paintings and other works of art, collections of stamps, coins and medals. Money Coins and bank notes in current use, postal orders, postage stamps which are not part of a collection, trading stamps, premium bonds, saving stamps or certificates, luncheon vouchers, record, book or similar tokens, money orders, travel tickets including season tickets, petrol coupons, gift tokens, phonecards, pre-booked event and entertainment tickets and electronic money cards. What is the most the Insurer will pay? The Insurer will not pay more in total than the sum insured shown for Personal possessions in Your schedule for any one claim under this section. NB: The sum insured under this section is included within the sum insured for Contents standard cover and is not in addition to it. The following limits apply: for Money £500 for credit cards £1,000 for any one pedal cycle £500 for any one Valuable £2,500 These are the standard limits. If You have increased any of them the revised limits which apply to Your Policy will be shown by Endorsement in Your schedule. 2 Your or Your Familys liability under the terms of any credit card or cash dispenser card agreement as a result of its unauthorised use by any person not related to or residing with You or Your Family. What is not covered Any loss or claim: a unless You and Your Family have complied with the terms and conditions of the issuing authority b due to accounting errors or omissions. collapse | |||
| Other Cover | |||||
| Home Emergency Cover | optional | Part G - Welcome To DAS Home Assistance To make sure you get the most from your DAS cover, please take the time to read this policy, which explains the...expand Part G - Welcome To DAS Home Assistance To make sure you get the most from your DAS cover, please take the time to read this policy, which explains the contract between you and us. If you have any questions or would like more information, please contact your insurance adviser. How we can help Once you have given us details of your claim and we have accepted it, we will arrange for one of our approved contractors to assist you as quickly as possible. When we cannot help We cannot help in any major emergency which could result in serious risk to you or substantial damage to your home. In this situation, you should immediately contact the Emergency Services and any company that supplied the service. We will not pay any claim unless we have given our agreement, or if there is no one at home when our approved contractor arrives. The meaning of Words in this Policy 1 We, us, our DAS Legal Expenses Insurance Company Limited. 2 You, your The person who has taken out this policy. 3 Insured person You and any person who lives in or is staying at your home. 4 Home Your home as identified on your schedule of insurance (having no more than 15 rooms) situated within the United Kingdom of Great Britain and Northern Ireland, the Isle of Man and the Channel Islands. 5 Home emergency A sudden unforeseen event which requires immediate corrective action to: (a) prevent damage or further damage to your home; or (b) to make your home safe or secure; or (c) alleviate unreasonable discomfort, risk or difficulty to any Insured person. 6 Period of cover The period as identified on your schedule of insurance 7 Main heating system The main hot water or central heating system in your home. This includes pipes which connect components of the system but not cold water supply or drainage pipes. This does not include any non-domestic heating or hot water systems or any form of solar heating. 8 Plumbing and drainage The cold water supply and drainage system within the boundary of your home and for which you are legally responsible. This does not include pipes: - which connect components of the heating system; or - for which your water supply or sewerage company are responsible. Cover 1 Your policy only covers you if you have paid your premium. We agree to provide the insurance in this policy, keeping to the terms, conditions and exclusions as long as the home emergency happens during the period of cover. 2 If the service you need is not provided under these terms, we will try (if you wish) to arrange it at your expense. The terms of such service are a matter for you and your supplier. 3 We will pay up to £500 (including VAT) for the call out charge, labour, parts and materials providing assistance for a home emergency which arises from an insured incident. Insured Incidents (a)Plumbing and drainage The sudden damage to, or blockage, breakage or flooding of, the drains or plumbing system in your home. (b)Main heating system The sudden failure to function of the main heating system in your home. (c) Domestic power supply The failure of the domestic electricity, or domestic gas supply, but not the failure of the mains supply. (d)Toilet unit Impact damage to, or mechanical failure of, the toilet bowl or cistern in your home which results in complete loss of function. (e)Home security Damage to, or the failure of, external doors, windows or locks which compromises the security of your home. (f) Lost keys The loss of the only available set of keys to your home if you cannot replace them, or gain normal access. What is not covered by this policy 1 Any claim following an insured incident which happens during the first 48 hours from the start of your period of cover if you take out this policy at a different time from any other related agreement. 2 Any incident or matter arising before the start of this policy. 3 Any normal day-to-day home maintenance which an insured person should carry out or pay for (such as servicing of heating and hot water systems) and the replacement of parts that tend to gradually wear out over a period of time or need regular attention. 4 The cost of redecorating, or cosmetic repairs to parts or equipment in your home. 5 Any claim where your home has been left unoccupied for 30 consecutive days. 6 Any claim arising from an insured persons failure to comply with our instructions in respect of the assistance being provided. 7 Any costs incurred before an insured person has notified us of a home emergency. 8 Claims arising from any willful or negligent act or omission by an insured person. 9 Any claim relating to the interruption, failure or disconnection of the mains electricity, mains gas or mains water supply. 10 Any claim relating to the failure of equipment or facilities which is a result of them being incorrectly installed, repaired or modified, or which is caused by a design fault which makes them inadequate or unfit for use. 11 Claims for parts or labour if the equipment or facility is still under guarantee or warranty from the manufacturer, supplier or installer. 12 The malfunction or blockage of septic tanks, cesspits or fuel tanks. 13 Damage incurred in gaining necessary access to, or in reinstating the fabric of, your home. 14 Any claims arising out of subsidence, landslip or heave. 15 Any properties that you own that are not your main residence or that you rent or let. 16 Damage to boundary walls, gates, hedges or fences and any damage to garages or outbuildings. 17 Any claim related to an insured persons failure to purchase or provide sufficient gas, electricity or other fuel source. 18 Any costs incurred where our approved contractor has attended but your home was unoccupied. 19 Home emergencies caused by, contributed to by or arising from: - ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; - the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear part of it; - war, invasion, foreign enemy hostilities (whether war is declared or not), civil war, rebellion, revolution, military force or coup; - pressure waves caused by aircraft or any other airborne devices travelling at sonic or supersonic speeds; - pollution or contamination of any kind. 20 Apart from us, the insured person is the only person who may enforce all or any part of this policy and the rights and interests arising from or connected with it. This means that the Contract (Rights of Third Parties) Act 1999 does not apply to the policy in relation to any third party rights or interest. 21 Any claim directly or indirectly caused by or resulting from any device failing to recognise, interpret, or process any date as its true calendar date. Conditions 1 Claims must be reported to us as soon as possible and no later than 48 hours after you first become aware of the home emergency. 2 An insured person must: (a) keep to the terms and conditions of this policy; (b) maintain the home and all domestic equipment in good condition, and carry out or arrange regular inspections and preventative maintenance to the fabric and structure of the home; (c) try to prevent anything happening that may cause a claim; (d) take reasonable steps to keep any amount we have to pay as low as possible. 3 We can cancel this policy at any time as long as we tell you at least 14 days beforehand. You can cancel this policy at any time as long as you tell us at least 14 days beforehand. 4 We will make every effort to provide the service at all times, but we will not be responsible for any liability arising from a breakdown of the service for reasons we cannot control. 5 We will not pay for any loss that is not directly covered by the terms and conditions of this policy. For example, we will not pay to replace a carpet damaged by a leak or for time taken off work because of a home emergency. 6 We will not pay any claim covered under any other policy, or any claim that would have been covered by any other policy if this policy did not exist. 7 This policy will be governed by English law.collapse | |||
| Loss of Keys Cover | £500 | Part A - Contents standard cover What is covered Loss or damage to Your or Your Familys contents while they are in the Home by the following causes: 14...expand Part A - Contents standard cover What is covered Loss or damage to Your or Your Familys contents while they are in the Home by the following causes: 14 Replacement of locks if keys are lost or stolen. The Insurer will pay for the cost of replacing keys and locks or lock mechanism to: i external doors and windows of the Home ii a safe within or an alarm protecting the Home following the loss of their keys. What is not covered 14 The cost of replacing keys and locks to a garage or outbuilding. This cover can be found under both the Buildings and Contents part, Where both sections are in force the Insurer will only pay under one part. The Insurer will not pay more than £500 for any one claim.collapse | |||
| Legal Expenses Cover | optional | Part F - Family Legal Protection Your policy schedule will indicate if you have taken out cover under this Part of the policy, which is underwritten by...expand Part F - Family Legal Protection Your policy schedule will indicate if you have taken out cover under this Part of the policy, which is underwritten by Ultimate Insurance Solutions Limited on behalf of certain underwriters at Lloyds. (Each underwriter is only liable for its share of the risk and not for each others share. You may ask for the names of the underwriters and the share of the risk each has taken on). In the event of us accepting your claim under this insurance, Ultimate will appoint a legal firm of their choice or their agents to handle your case. You are not covered for any other professional costs unless court proceedings are issued. Statement of demands and needs This Part of the Policy meets the demands and needs of customers who wish to purchase an insurance product to cover the professional costs arising from an event or cause occurring in the territory during the period of insurance involved in either; (a) pursuing a claim: (i) as a consumer to recover losses; and/or (ii) concerning your rights as owner of your permanent place of residence; and/or (iii) for an accident causing personal injury; and/or (iv) for a claim for unfair dismissal; and/or (b) defending a claim as consumer. Definitions: The general definitions at the beginning of this Policy under "What the terms mean" also apply where appropriate but the following definitions apply only to this Part of the Policy: Court means a court, tribunal or other appropriate authority Event/Cause means the incident or the start of a series of incidents, which leads to a claim being made. Professional Costs means the reasonable and proportionate fees, expenses, costs and disbursements incurred by or on behalf of you and authorised by us in pursuing a claim under this Part of the Policy; and the costs of a third party for which you are either held liable by court order or are agreed by us. Legal Proceedings means pursuit or defence of a claim for damages, specific performance or injunction, either by negotiation or by civil tribunal or arbitration in respect of any matter covered under this Part of the Policy. The pursuit or defence must be approved in advance by us. Authorised Representative means the solicitors or other qualified experts appointed by us to act for you in accordance with General Condition 2. We/Us/Our Ultimate Insurance Solutions Limited (FSA Registration 311649), The Connect Centre, Kingston Crescent, North End, Portsmouth, Hants PO2 8DE (Home State; United Kingdom) on behalf of certain underwriters at Lloyds (FSA 202761) One Lime Street, London EC3M 7HA (Home State; United Kingdom). All are authorised and regulated by the Financial Services Authority. Ultimate Insurance Solutions Limited is a Lloyds Coverholder who has been granted authority to accept insurance and to handle and authorise claims under this Part of the Policy. Territory means Great Britain, Northern Ireland, the Isle of Man and the Channel Islands. Offer to Settle means an offer to settle made under Part 36 of the Civil Procedure Rules. Permanent Place of Residence means the property to which this Policy relates and is shown in the Policy schedule provided this is the permanent place of residence. Extent of Cover The maximum amount of professional costs that we will pay for any claim from a single event or cause is £50,000. There is no limit on the number of claims in any period of insurance. Goods means items you own or which you can use, or have possession or custody of. However this does not include: - motorised vehicles or parts of them or servicing, repairing or maintenance of them. - land, buildings - items used for business purposes Service means the provision of any service for which you have engaged any suitably qualified contractor. This does not include: - motorised vehicles or parts of them or servicing, repairing or maintenance of them - land, buildings - items used for business purposes Pursuit of a claim (1) We will indemnify you against the professional costs of legal proceedings incurred in connection with the pursuit of a claim directly arising from one of the following events or causes, which occurs within the territory and within the period of insurance: Consumer Protection (a) an agreement entered into (or allegedly entered into) for the sale, purchase or hire of any goods or services for your private use including the purchase of your permanent place of residence. The amount in dispute must exceed £125. The agreement (or alleged agreement) must have been made or renewed within the period of insurance. The dispute must not be connected to your trade, business or profession; (b) An accident causing your death or bodily injury except where the event or cause occurs either as a result of alleged medical negligence or causes the onset of an industrial disease or occurs gradually over a period of time; (c) an employment dispute which may or does give rise to you making an application to an Employment Tribunal for Unfair Dismissal as defined in Part 10 of the Employment Rights Act 1996 or by the Employment Rights (Northern Ireland) Order 1996 or to any amendments to these pieces of legislation. The event or cause must occur at least 120 days after this insurance Policy started, unless the Policy has been renewed continuously; (d) any infringement of your legal rights arising from or relating to your ownership or occupation of your permanent place of residence where the event or cause occurs at least 120 days after this insurance Policy started unless the Policy has been renewed continuously. Defence of a claim (2) We will indemnify you against the professional costs of legal proceedings incurred in connection with the defence of a claim in the territory directly arising from an agreement entered into (or allegedly entered into) for the sale, purchase or hire of any goods or services. The amount in dispute must exceed £125. The agreement (or alleged agreement) must have been made or renewed within the period of insurance. The dispute must not be connected to your trade, business or profession. Jury Service (3) We will make a financial payment to you if you are required to attend Jury Service. The amount of the payment will be calculated as follows: For each working day (meaning a day you would normally attend work) when you are unable to attend work as a result of the Jury Service, we will make a payment equal to: 1/250th of your annual salary on the first day of Jury Service if you are employed full time; or a proportionate amount starting on the eleventh day of Jury Service based on the number of days normally worked by you if you are employed part time. A deduction from the payment will be made representing the amount you are entitled to claim from the court, tribunal or employer whether or not such amount is recovered. No payment will be made for the first 10 days of Jury Service. What is not covered: (1) Appeals unless you have notified us in writing of your wish to appeal at least ten working days before the deadline for giving notice of any such appeal expires and our approval has been obtained. (2) Claims and defences which, in our opinion, do not have a reasonable chance of success or, in the case of claims for damages where in our opinion, there is not a reasonable chance of successfully recovering a large part of the damages awarded. Cover may be refused or discontinued if such prospects do not, or no longer, exist. (3)Professional Costs: (a) incurred before we have confirmed acceptance of the claim in writing; (b) exceeding any amount approved by us; (c) incurred following a payment into court or offer to settle by a third party unless we have authorised you in writing to continue with the claim after the payment into court or offer to settle or you are ultimately awarded or settle for more than the amount of the payment in or offer to settle; (d) incurred if you withdraw instructions from the authorised representative or from the legal proceedings unless we approve such withdrawal; (e) incurred in the pursuit of a claim or defence where you act fraudulently or mislead us or the authorised representative; (f) incurred for any expert witness unless previously approved by us; (g) incurred where you are responsible for unreasonable delay which is prejudicial to the claim or where you fail to give proper instructions in due time to us or the authorised representative; (h) incurred where you pursue a claim without our consent or in a different manner from that advised by the authorised representative; (i) incurred in avoidable or unnecessary correspondence. (4)Claims against us, or claims by you against any other person covered under this Policy. (5)Claims relating to matters for which you are or would, but for the existence of this Policy, be entitled to indemnity under any other policy. (6)Claims directly, or indirectly caused by, contributed to by or arising from: (a) any sickness, disease or naturally occurring condition or degenerative process relating to you; (b) any allegation of your dishonesty or violence by you or an deliberate or criminal act or omission by you; (c) any reckless conduct by you; (d) subsidence, mining, quarrying; (e) patents, copyrights, trademarks, merchandise marks, registered designs, intellectual or artistic property, secrecy and confidentiality agreements; (f) libel or slander or malicious falsehood; (g) divorce, matrimonial matters, cohabitation, custody, access, maintenance or affiliation; (h) any works by or under the order of any government or public or local authority; (i) the Equal Pay Act 1970 or any amending legislation; (j) a dispute between a landlord and tenant; (k) a dispute with a rating authority on rateable values; (l) planning law including town and country planning legislation; (m) any investigation by Her Majestys Revenue and Customs (HMRC); (n) any claim where you enter into Conditional Fee Arrangement with an authorised representative; (o) a lease or licence to occupy land or property; (p) legal proceedings where a reasonable estimate of your total professional costs is greater than the amount in dispute. (7)Your travelling expenses, subsistence allowances or compensation for absence from work. (8) Applications for Judicial Review. General Conditions (1) To make a claim you must: (a) notify us of the claim in writing as soon as reasonably possible and in any event within 180 days of the event or cause leading to the claim; (b) commence any legal proceedings within the appropriate limitation period; (c) in the case of a claim for cover for Jury Service, notify us immediately on receipt of the notice requiring Jury Service attendance, complete and return any claim form within 14 days of completion of the Jury Service and provide us with such information and documentation as we may reasonably require. (2) On receipt of a claim under this Part of the Policy we will evaluate the claim, advise on the steps you should take to pursue the claim and, where appropriate, appoint an authorised representative. If the claim is not settled by negotiation and proceedings are necessarily issued, you do not have to continue to instruct the authorised representative nominated by us and may propose another authorised representative. If we and you are unable to agree on a suitable authorised representative, we will ask the Law Society to name a further authorised representative. We and you must accept the Law Society's nomination. In the meantime, we may appoint an authorised representative to act on behalf of you to safeguard your interests. (3) During the course of the claim you must: (a) co-operate at all times in the completion of any necessary documentation or provision of information and instructions requested either by us or by the authorised representative; (b) not do anything, which may prejudice your case or our position in respect of the claim; (c) take all available steps to recover the professional costs in the legal proceedings; (d) notify us of any settlement offer made before accepting it. (4) During the course of the claim we will have the right of direct access to the authorised representative. (5) We shall not provide cover under this part of the Policy if you make a false declaration when applying for cover. (6)You shall take all reasonable steps to prevent any occurrence, which may give rise to a claim under this Part of the Policy. (7) You shall forward any accounts for professional costs as soon as theyre received and, if required to do so by us, shall have such professional costs taxed, assessed or audited by the appropriate court or authority. (8) We may take over and conduct the claim and may, subject to your interest, settle the claim in your name. (9) This Part of the Policy is governed by the laws of England and Wales, unless you and we agree otherwise and the agreement has been put in writing by us. (10) The parties do not intend any terms of this agreement to be enforceable pursuant to the Contracts (Rights of Third Parties) Act 1999. (11) All communication under this Part is to be conducted in English. Your right to Cancel You have the right to cancel this Part of the Policy within 14 days of the date on which you received the Policy documents. You will receive a full return of the premium paid, unless you have made a claim within that period in which case the full premium is due to be paid by you. If you cancel this Part after this period, you will not be entitled to any refund of premium. If you cancel your Household Insurance policy, the Family Legal Protection Part will be cancelled at the same time. To cancel this Part of the Policy, please write to or call: The Administrator, BDML Connect Limited, The Connect Centre, Kingston Crescent, Portsmouth PO2 8QL. collapse | |||
| Unoccupancy Period | 30 days | Unoccupied Not lived in by You or Your Family for more than 30 consecutive days or is occupied by squatters. | |||
| Excess | |||||
| Contents Excess | £50 | £50 | |||
| Discounts | |||||
| Online Discount | 10% | 10% | |||
| Combined Policy Discount | 0% | 0% | |||
| Combined Discount | no | No | |||
| No Claims Discount | yes | Conditions These conditions apply to sections 1 to 4 4. No-claim discount If you make a claim under your policy, we will reduce your no-claim discount...expand Conditions These conditions apply to sections 1 to 4 4. No-claim discount If you make a claim under your policy, we will reduce your no-claim discount in line with our scale. If you do not make a claim under your policy, we will increase your no-claim discount in line with our scale. We do not grant no-claim discounts for policies running for less than 12 months.collapse | |||
| NCD Protection | no | No | |||
| Voluntary Excess Discount | yes | Yes | |||
| Payments & Fees | |||||
| Pay Monthly Rate | 28.6% | 28.6% Previously | |||
| Pay Monthly Fee | 9.6% | 9.6% | |||
| Number of Monthly Payments | 10 | Deposit payable, then 10 monthly payments | |||
Get a Quote for this home insurance policy: | |||||
| Application Criteria | |||||
| Home Insurance Type | Contents | Contents | |||
| Permanent UK Resident | yes | This product is only available to individuals who are permanent UK residents. | |||
| Available Direct | yes | This product is available direct from the provider. | |||
| Available via | direct | Direct | |||
| Available Online | yes | Yes | |||
| Minimum Sum Insured | £10,000 | £10000 | |||
| Maximum Bedrooms | Unlimited | Ul | |||
| Stand Alone | yes | Yes | |||
| Available to Public | yes | Yes | |||
| Get a Quote for this home insurance policy: | |||||
