Admiral Household Insurance

Contents

A monthly premium payment scheme is available for customers over the age of 18.
A deposit of 20 percent will be required (payable by credit/debit card), followed by 10 equal monthly payments.
APR is 26.8 percent

General conditions
You and Your Family must comply with the following conditions to have the full protection of Your Policy.
If You or Your Family do not comply with them We or the Insurer may at Our or Their option cancel the Policy or refuse to deal with Your claim or reduce the amount of any claim payment.
5. Cancelling your cover
The administrator or we may cancel your policy by giving you 7 days' notice by letter to your last known address.
We reserve the right to cancel this policy immediately in the event of non-payment of the premium or default by you under a monthly instalment scheme. No refund will be made to you of any instalment paid.
If you wish to cancel this policy, you must either write to us or call our Customer Service Department.
14-day cooling-off period
If you do this within the first 14 days of receiving your policy documents you will receive a proportionate refund of the premium paid for the unexpired portion of the period of insurance, less any agreed charges detailed in the administrator's terms of business.
Cancellation after 14 days
If you cancel this policy more than 14 days after receiving your policy documents, and provided that you have not claimed in the current period of insurance, and you have paid the premium in full, we will give you a proportionate refund of the premium paid for the unexpired portion of the period of insurance, less any agreed charges detailed in the administrator's terms of business.
If a claim has been submitted or there has been any incident likely to give rise to a claim during the current period of insurance no premium refund will be given.
If the premium is paid under a monthly instalment scheme and a claim has been settled during the current period of insurance, you must continue with the instalment payments. Alternatively we will deduct outstanding instalments from any claim payment that may be due to you. No refund of premium will be made under a monthly instalment scheme.

How the Insurer settles claims
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 7 and Claims conditions on page 10).
The 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.

Part A - Contents standard cover
Loss or damage to Your or Your Familys contents while they are in the Home by the following causes:
15. Liability for Credit Card
You or Your Familys liability under the terms of any credit card cheque card or cash dispenser card agreement as a direct result of its theft from the Home and following its unauthorised use by any person not related to or residing with You.
The Insurer will not pay more than £1,000 for any one claim.
What is not covered
The amount of the Excess shown in the schedule except for covers 25, 26 and 27.
15.a) any loss unless You or Your Family have complied with the terms and conditions of the issuing authority
b) any loss or claim due to accounting errors or omissions.

Part A - Contents standard cover
Loss or damage to Your or Your Familys contents while they are in the Home by the following causes:
23. Frozen food
Loss or damage to food in the cold compartment of any refrigerator or deep freeze cabinet which is made unfit for human consumption by:
i) a change in temperature
ii) contamination by refrigerant or refrigerant fumes.
The refrigerator or deep freeze cabinet must be:
1. in the Home
2. owned by or the responsibility of You or Your Family
The Insurer will not pay more than £1,000 for any one claim.
What is not covered
The amount of the Excess shown in the schedule except for covers 25, 26 and 27.
23. Loss or damage resulting from:
a) the deliberate act of You or Your Family or any electricity supplier
b) strike, lock-out or industrial dispute
c) property more specifically covered by any other insurance.
d) property mainly used for business trade profession or employment purposes.

Part A - Contents standard cover
Loss or damage to Your or Your Familys contents while they are in the Home by the following causes:
23. Frozen food
Loss or damage to food in the cold compartment of any refrigerator or deep freeze cabinet which is made unfit for human consumption by:
i) a change in temperature
ii) contamination by refrigerant or refrigerant fumes.
The refrigerator or deep freeze cabinet must be:
1. in the Home
2. owned by or the responsibility of You or Your Family
The Insurer will not pay more than £1,000 for any one claim.
What is not covered
The amount of the Excess shown in the schedule except for covers 25, 26 and 27.
23. Loss or damage resulting from:
a) the deliberate act of You or Your Family or any electricity supplier
b) strike, lock-out or industrial dispute
c) property more specifically covered by any other insurance.
d) property mainly used for business trade profession or employment purposes.

We're here when you need us
We recognise that a claim can happen at any time, not just during office hours. That's why Admiral's Household Cover has the reassurance of a 24-hour emergency helpline when you need it most.
Free 24-hour emergency helplines
Domestic Helpline
Admiral's Domestic Helpline is designed to support you in any domestic crisis. Whatever the problem, our operators will offer free and practical advice. We will even find an approved tradesman to carry out repairs.
Legal helpline
Admiral's Legal Helpline will help you on any private legal problem that you may have. The advice given is both free and impartial.

We're here when you need us
We recognise that a claim can happen at any time, not just during office hours. That's why Admiral's Household Cover has the reassurance of a 24-hour emergency helpline when you need it most.
Free 24-hour emergency helplines
Domestic Helpline
Admiral's Domestic Helpline is designed to support you in any domestic crisis. Whatever the problem, our operators will offer free and practical advice. We will even find an approved tradesman to carry out repairs.
Legal helpline
Admiral's Legal Helpline will help you on any private legal problem that you may have. The advice given is both free and impartial.

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.
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.
Under Insurance
If You are under insured, which means the cost of rebuilding the Buildings or the cost of replacing then Contents at the time of loss or damage is more than Your sum insured for the Buildings or Contents, then We will only pay a proportion of the claim. For example, if Your sum insured only covers one half of the cost of rebuilding the Buildings or the cost of replacing or repairing the Contents We will only pay one half of the cost of repair or replacement.
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 4 and Claims conditions on page 6).
The 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.

Part A - Contents standard cover
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 1-11 and covers 12, 13, 18, 28 and 29. The Insurer will pay in addition amounts due under covers 14-17 and 19-27 up to the limits shown.
The following limits apply:
- for any one valuable £2,500
- up to 1/3 of contents sum insured for valuables
- for money £500
- for any one Pedal Cycle £500
- also the limits as specified under sub sections 14 to 27 inclusive of this section of the Policy.
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 10.

Part C - Personal possessions
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
- for any one Personal Effect £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 by Endorsement in Your schedule.

Part D - Buildings standard cover
What is the most the Insurer will pay?
The Insurer will not pay more in total than the sum insured shown for Buildings in Your Policy schedule for any one claim under causes 111 and covers 13, 14, 17,
19 and 21. The Insurer will pay in addition amounts due under covers 12, 15, 16, 18 and 20 up to the limits shown.
Inflation protection applies see page 10.

General conditions
You and Your Family must comply with the following conditions to have the full protection of Your Policy.
1. If You or Your Family do not comply with them We or the Insurer may at Our or Their option cancel the Policy or refuse to deal with Your claim or reduce the amount of any claim payment.
2. Keeping Your sums insured at the correct level
You must at all times keep the sums insured at a level which represents the full value of the property insured.
Full value means:
for the Buildings: the estimated cost of rebuilding if the Buildings were completely destroyed.
This is not the market value.
for the Contents: (other than clothes, furs and household linen) the current cost as new.
for clothes, furs and household linen the current cost as new less an appropriate allowance for wear and tear.
3. Changes in Your circumstances
You must notify Us as soon as possible of any change which may affect this insurance and in particular any of the following:
- change of address
- structural alteration to Your Home
- if You or Your Family intend to lend, let or sub-let Your Home
- if You or Your Family intend to use Your Home for any reason other than private residential purposes
- if Your Home will be Unoccupied for more than 30 consecutive days
- You must also notify Us as soon as possible if You or Your Family have received a conviction or a Police caution for, or been charged with but not yet tried, for any offence other than driving offences.
We will then advise You of any change in terms.
If You are in any doubt please contact Us.
4. Taking care of Your property
You and Your Family must take all reasonable precautions to avoid injury, loss or damage and take all practicable steps to safeguard all the property insured
from loss or damage.
You must maintain the insured property in good repair.
5. Cancelling Your cover
If You wish to cancel this policy within 14 days of receipt of the policy documents You may do so by writing to The Administrator, BDML Connect Ltd, The Connect Centre, Kingston Crescent, Portsmouth PO2 8QL..
Where this happens You will receive a proportionate refund of the premium paid for the unexpired portion of the period of cover less any agreed charges detailed in the terms of business.
You may cancel the Policy at any other time by giving written notice to The Administrator, BDML Connect Ltd, The Connect Centre, Kingston Crescent, Portsmouth PO2 8QL..
If there has been no claim or incident likely to give rise to a claim during the current Period of Insurance, We will calculate the premium for the period You have been insured and refund any balance.
If a claim has been submitted during the current Period of Insurance no premium refund will be given.
If the premium is paid under a monthly instalment scheme and a claim has been settled during the current Period of Insurance, You must continue with the instalment payments. Alternatively We will deduct outstanding instalments from any claim payment that may be due to You. No refund of premium will be made under a monthly instalment scheme.
We reserve the right to cancel this Policy immediately in the event of non-payment of the premium or default by You under a monthly instalment scheme. No refund will be made to You of any instalment paid.
We may also cancel the Policy by sending 7 days notice to You at Your last known address.
Provided that there has been no claim made during the current Period of Insurance (or claim pending), We will calculate the premium for the period You have been insured and refund any balance.
If a claim has been submitted during the current Period of Insurance no refund will be given.
6. Premiums paid and up to date
The cover provided is dependent on all premiums due in the Period of Insurance being paid in full.
So for:
Annual Premiums - Amounts to have been paid and cleared by Us.
Payment by Direct Debit - If the premiums are paid monthly these will be collected on the cover start date of the insurance shown on the schedule and on the same day of each following month.
Renewal
If you pay your premium by instalments your policy and policy add on products renew automatically on an annual basis for your convenience. This will be confirmed by us by sending to you your renewal documents detailing the premium payable and the terms and conditions applicable to the renewal policy. If you do not wish your policy to renew, you should cancel your direct debit or continuous credit card mandate.

Claims conditions
These conditions do not apply to Family Legal Protection where separate conditions apply.
How to Make a Claim
You and Your Family must comply with the following Claims Conditions to have the full protection of Your Policy.
If You or Your Family do not comply with them, the Insurer may at Their option cancel the Policy or refuse to deal with Your claim or reduce the amount of any claim payment.
The first thing You must do
If property is lost or theft or malicious damage is suspected, You must immediately inform the Police and obtain a crime or lost property reference number.
Failure to do so may invalidate Your claim.
We recommend that You check Your Policy cover
Check that the loss or damage is covered. The Policy contains details of what is covered and how claims are settled.
You should always immediately:
- contact Us by phone on the number shown on the back of your policy booklet.
- take all reasonable steps to recover missing property
- take all reasonable steps to prevent further damage.
Claims process
By telephoning Us We will:
i. take details of the loss
ii. notify the loss to the Insurer
iii. where necessary arrange for someone to call or contact You by phone as soon as possible to discuss Your claim. This person may be one of the Insurers own claims staff or an independent Chartered Loss Adjuster.
What You must do after making Your claim
- tell Us and provide full details in writing immediately if someone is holding You or Your Family responsible for damage to their property or bodily injury to them, and send to Us immediately any writ, summons, letter of claim or other document
- if requested send written details of Your claim to Us within 30 days
- supply at Your own expense all reports, certificates, plans, specification, information and assistance that We may require.
for any one Valuable item over £2,500 if You have not already provided evidence of value or proof of purchase, the Insurer will reserve the right not to pay a claim until such evidence is provided.
What You must not do
- admit or deny any claim made by someone else against You or Your Family or make any agreement with them. We or the Insurer have the right to negotiate, settle or defend any such claim in Your name and on Your behalf and take possession of the insured property and deal with salvage
- abandon any property to Us or the Insurer
- dispose of damaged items as We or the Insurer may need to see them.
To do so may invalidate Your claim.
Fraud
You and Your Family must not act in a fraudulent manner If You or anyone acting for You:
- make a claim under the Policy knowing the claim to be false or fraudulently exaggerated in any respect
- make a statement in support of a claim knowing the statement to be false in any respect or submit a document in support of a claim knowing the document to be forged or false in any respect
- make a claim in respect of any loss or damage caused by Your wilful act or with Your connivance
Then:
- the Insurer shall not pay the claim
- the Insurer shall not pay any other claim which has been or will be made under the Policy
- the Insurer may at Their option declare the Policy void
- the Insurer shall be entitled to recover from You the amount of any claim already paid under the Policy since the last renewal date
- the Insurer shall not make any return premium
- the Insurer may inform the police of the circumstances.
Should You have any query please contact Us.

General exclusions
These exclusions apply throughout Your Policy
The Insurer will not pay for:
Riot/Civil commotion
any loss, damage or liability occasioned by or happening through riot or civil commotion outside the United Kingdom, the Isle of Man or the Channel Islands.
Sonic bangs
loss or damage by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
Reduction In market value
any reduction in market value of any property resulting from its repair or reinstatement.
Confiscation
any loss or damage or liability occasioned by or happening through confiscation or detention by customs or other officials or authorities.
Radioactive contamination
loss or damage to any property or any loss or expense resulting or arising therefrom or any consequential loss or any legal liability directly or indirectly caused by or contributed to by or arising from:
- ionising radiations or contamination by radioactivity from any irradiated nuclear fuel or from any nuclear waste from the combustion of nuclear fuel
- the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or of its nuclear component.
War risks
any loss, damage or liability occasioned by or happening through war, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
Pollution/Contamination
loss, damage, liability or bodily injury arising directly or indirectly from pollution or contamination unless caused by:
- a sudden and unforeseen and identifiable incident
- leakage of oil from a domestic oil installation at Your Home.
Date change
a.loss or damage to any computer or other equipment, data processing service product, microchip, micro processor, integrated circuit, embedded chip or similar device, computer software program or process or any other electrical or electronic system directly or indirectly caused by:
- failure to correctly recognise data representing the Year 2000 or any other date in such a way that it does not work properly or at all
- computer viruses.
b. legal liability directly or indirectly arising from:
any computer or other equipment, data processing service product, microchip, micro processor, integrated circuit, embedded chip or similar device, computer software program or process or any other electrical or electronic system failing to correctly recognise data representing the Year 2000 or any other date in such a way that it does not work properly or at all.
- computer viruses
Subsequent loss or damage or legal liability for which cover is in force under this Policy is not affected.