Allianz Clear Advance (Building)

Buildings
What is covered
11 Accidental loss or damage (your schedule will show cover as accidental damage if this event is insured by your policy).
What is not covered
The exclusions that apply to events 1 to 10 on page 6 also apply to event 11.
Loss or damage caused by normal settlement, wear and tear. Loss or damage caused by rot, mildew, rust, corrosion, insects, woodworm, vermin, cleaning, repair or renovation.
Loss or damage caused by electronic, electrical or mechanical breakdown or failure.
Loss or damage caused by faulty design, faulty plan, specification, materials or workmanship.
Loss or damage which happens gradually, or loss of value.
Loss or damage caused by frost.
Loss or damage caused to hot tubs whilst being installed or removed.
collapse

Buildings
What is covered
10 Subsidence or heave of the site on which your home stands, or landslip.
What is not covered
Damage caused to swimming pools, tennis hard courts, terraces, drives, footpaths, walls, gates or fences unless your home, its domestic outbuildings or garages are damaged by the same cause at the same time.
The first £1,000 of each claim.
Landslip caused by the coast being worn away.
Destruction or damage to or resulting from solid floor slabs moving unless the foundations beneath the outside walls of the building are damaged by the same cause at the same time.
Damage caused by new structures bedding down or newly made-up ground settling.
collapse

Buildings
What is covered
6a Water leaking from water tanks, apparatus or pipes or fixed heating installations.
b Freezing water in water tanks, apparatus or pipes or fixed heating installations.
What is not covered
Loss or damage caused after your home has been left unfurnished or unoccupied.
The first £250 of each claim.
Loss or damage caused by the failure or lack of appropriate sealant and/or groutcollapse

Legal Expenses
Your schedule will show if this section is insured by your policy.
Cover under this section is provided by Allianz Legal Protection, part of Allianz Insurance plc.
Your Policy Wording
Lawphone
Your policy includes access to Lawphone to give advice, 24 hours a day, 365 days a year, on any personal legal matter. The advice you get from Lawphone will always be according to the Laws of Great Britain and Northern Ireland. We may record the calls to protect you.
Lawphone: 0870 241 4140
When you call Lawphone quote the policy reference which is shown under the Legal Expenses section on your schedule. You will then be asked for a brief summary of the problem and these details will be passed on to an adviser who will return your call.
Your policy includes access to one of our approved specialist solicitors if your claim is covered.
We agree to cover you under the conditions of this policy, as long as the premium has been paid.
The meaning of words
The following definitions apply to all Events of this Legal Expenses Policy Section.
You, your The person named in your current certificate of household insurance and his or her partner, children, parents and parents-in-law who permanently live at the same address.
Partner Someone you are married to or live with as if you are married.
Period of insurance The period shown on your policy schedule.
Schedule A printed document showing the sections of the policy you have chosen, the sums insured or limits of indemnity and any special terms that apply to your policy.
The following definitions only apply to Events 1, 2, 3 and 4 of this Legal Expenses Policy.
Legal representative The solicitor or other person appointed with our agreement under this policy to represent you. At any time before we agree that legal proceedings need to be issued, we will choose the legal representative.
You can only choose the legal representative if we agree that legal proceedings need to be issued or if a conflict of interest arises which means that the legal representative cannot act for you. You must send his or her name and address to us. If we agree to appoint a legal representative that you choose, you must pay a £250 excess. You must pay the excess at the start of your claim. If we agree to appoint a legal representative that you choose, he or she will be appointed on the same terms as we would have appointed our chosen legal representative. We may decide not to accept your choice of legal representative. If we do not agree with your choice, the matter will be settled using the procedure in condition c on page 8.
When choosing the legal representative, you must remember your duty to keep the cost of any legal proceedings as low as possible.
Standard basis The assessment of costs which are proportionate to your claim.
We, us, our - Allianz Legal Protection, part of Allianz Insurance plc.
Costs We will pay the following on your behalf.
- The professional fees and expenses reasonably and properly charged by the legal representative, on a standard basis up to the standard rates set by the courts, which you cannot recover from your opponent.
- Your opponents costs in civil cases, which you are ordered to pay by a court or tribunal or which you pay to your opponent with our written agreement.
We will only pay costs which we consider are necessary and in proportion to the value of your claim.
We will only start to cover costs from the time we have accepted your claim in writing and appointed the legal representative.
Excess The first amount of each and every claim which you must pay.
Territorial Limit The territorial limit for Event 1 Personal injury is Great Britain, Northern Ireland, the Channel Islands, the Isle of Man, Andorra, Austria, Belgium, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, the Netherlands, Norway, Poland, Portugal, the Republic of Ireland, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland and Turkey.
The territorial limit for Event 2 Clinical disputes, Event 3 Consumer contract and Event 4 Employment contract is Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.
What is covered
Event 1 Personal injury
We will pay the costs we have agreed to of you taking legal action against your opponent as a result of a sudden and specific event which causes your death or bodily injury.
We will provide this cover as long as:
- the event happened within the period of insurance and the territorial limit;
- the legal action is brought within the territorial limit; and
- you have a reasonable chance of successfully recovering damages at all times.
The most we will pay for all claims arising from one event is £50,000.
What is not covered
We will not provide cover for the following.
1 The first £250 of every claim where we agree to appoint a legal representative that you choose.
2 Any claim to do with stress, emotional or psychological injury, illness or symptoms. (This does not apply if the stress, emotional or psychological injury, illness or symptoms are caused by your death or bodily injury).
3 Any claim relating to you driving a motor vehicle.
4 Any claim relating to medical treatment.
Event 2 Clinical disputes
We will pay the costs we have agreed to of you taking legal action against your opponent as a result of medical treatment which causes your death or bodily injury.
We will provide this cover as long as:
- the medical treatment started during the period of insurance and took place within the territorial limit;
- the legal action is brought within the territorial limit; and
- you have a reasonable chance of successfully recovering damages at all times.
The most we will pay for all claims arising from one event is £50,000.
What is not covered
1 We will not provide cover for the first £250 of every claim where we agree to appoint a legal representative that you choose.
2 Any claim to do with stress, emotional or psychological injury, illness or symptoms. (This does not apply if the stress, emotional or psychological injury, illness or symptoms are caused by your death or bodily injury).
Event 3 Consumer contract
a Taking legal action
We will pay the costs we have agreed to of you taking legal action against your opponent in a dispute following a breach of a contract you have for buying, selling or renting goods or services.
We will provide this cover as long as:
- you entered into the contract within the territorial limit;
- the dispute started within the period of insurance;
- the legal action is brought within the territorial limit; and
- you have a reasonable chance of successfully recovering damages or settling the dispute in another way at all times.
The most we will pay for all claims arising from one event is £50,000.
b Defending legal action
We will pay the costs we have agreed to of you defending legal action by your opponent in a dispute following a breach of a contract you have for buying, selling or renting goods or services.
We will provide this cover as long as:
- you entered into the contract within the territorial limit;
- the dispute started within the period of insurance;
- the legal action is brought within the territorial limit; and
- you have a reasonable chance of successfully defending the legal action at all times.
The most we will pay for all claims arising from one event is £50,000.
What is not covered
We will not provide cover for the following.
1 The first £250 of every claim where we agree to appoint a legal representative that you choose.
2 Any dispute which starts within three months of the date this policy section starts, unless the claim is for goods or services you bought after the start of this policy section. (This does not apply if you had the same cover under another policy up to the date your policy section started.)
3 Disputes for amounts less than £100.
4 Anything to do with motor vehicles or their parts and accessories.
5 Anything to do with building, converting or extending your home.
6 Anything to do with work carried out for the benefit of land or buildings that are not your permanent home.
7 Any dispute over the amount of money or other compensation due under an insurance policy.
8 Any dispute to do with a contract you have for pensions, savings or investments of any kind.
9 Any dispute to do with the buying or selling of any land or your home. (This does not apply if the dispute is to do with services you have bought which relate to the buying or selling of that land or your home).
10 Any dispute arising out of a tenancy agreement, lease agreement or licence to occupy your permanent home or any other land or property that you own.
11 Anything to do with a contract for your business activities.
12 Any dispute with any local authority, public authority or any government department.
13 Any dispute arising froman application for planning permission in respect of your permanent home or any other land or property that you own.
Event 4 Employment contract
We will pay the costs we have agreed to of you taking legal action against your employer at an employment tribunal in a dispute following a breach of your contract for your full-time employment or permanent part-time employment.
We will provide this cover as long as:
- you entered into the contract within the territorial limit;
- the dispute started within the period of insurance;
- the legal action is brought within the territorial limit; and
- you have a reasonable chance of successfully recovering damages or settling the dispute in another way at all times.
The most we will pay for all claims arising from one event is £50,000.
We will not provide cover for the following.
1 The first £250 of every claim where we agree to appoint a legal representative that you choose
2 Any costs or expenses that you incur in relation to any disciplinary, grievance or investigation to do with your contract of employment.
3 Any costs or expenses that you incur in relation to any compromise agreement to do with your contract of employment.
4 Any legal action against your employer that is not dealt with by an employment tribunal.
5 Any dispute which starts in the first period of insurance if you were given a verbal or written warning in the six months leading up to the date this policy section starts. (This does not apply if you had the same cover under another policy up to the date your policy section started.)
6. Any dispute which is only about the amount of redundancy pay.
7 Anything to do with subcontracting or a contract for services if you are self-employed.
8 Any dispute which is only to do with stress, emotional or psychological injury, illness or symptoms.
Conditions
Conditions that apply to Events 1, 2, 3, 4 of this Legal Expenses section.
If you do not keep to the conditions, we will have the right to cancel this policy section, refuse any claim and withdraw from any current claim.
1 You must:
a report any claim to us and not to any other person or organisation.
b give us written details of your claim along with any other supporting information we ask for.
c make your claim within six months of the event which gave rise to the dispute.
d not appoint a legal representative.
e follow the legal representatives advice and provide any information he or she asks for.
f take every step to recover costs and pay them to us.
g get our written permission before making an appeal.
h make sure that the legal representative keeps to condition 2 below.
2 The legal representative must do the following:
a Get our written permission before instructing a barrister or expert witness.
b Tell us if, at any stage, there is no longer a reasonable chance of a successful defence, recovering damages or getting any other remedy.
c Tell us immediately if you or your opponent make a payment into court or any offer to settle the matter.
d Report the result of the claim to us when it is finished.
3 We will have the right to do the following.
a Take over and conduct, in your name, any claim or proceedings.
b Settle a claim by paying the amount in dispute.
c Appoint the legal representative in your name and on your behalf.
d Have any legal bill audited or assessed.
e Contact the legal representative at any time, and have access to all statements, opinions and reports.
f End your claim if, during the course of the claim, we think there is no longer a reasonable chance of success. If you continue the claim and get a better settlement than we expected, we will pay your reasonable costs.
g Settle the costs covered by this policy at the end of the claim.
h End your claim and recover any costs from you which we have already paid or agreed to pay if:
- the legal representative reasonably refuses to continue acting for you because of any unreasonable act or failure to act by you; or
- you unreasonably withdraw your claim from the legal representative without our agreement; and
- we do not agree to appoint another legal representative to continue your claim.
Choosing the legal representative
At any time before we agree that legal proceedings need to be issued we will choose the legal representative.
You can only choose the legal representative if we agree that legal proceedings need to be issued or if a conflict of interest arises which means that the legal representative cannot act for you. You must send his or
her name and address to us. If we agree to appoint a legal representative that you choose, You must pay a £250 excess. You must pay the excess at the start of your claim. If we agree to appoint a legal representative that you choose, he or she will be appointed on the same terms as we would have appointed our chosen legal representative.We may decide not to accept your choice of legal representative. If we do not agree with your choice, the matter will be settled using the procedure in condition c on page 8.
When choosing the legal representative, you must remember your duty to keep the cost of any legal proceedings as low as possible.
Event 5 Mediation
The following definitions only apply to Event 5 of this Legal Expenses section Costs
We will pay the following.
- The professional fees and expenses the mediator reasonably and properly charges.
- We will also pay the costs that the mediator will charge the other side.
We will only start to cover costs from the time we have accepted your claim in writing and appointed the mediator.
Mediation Mediation is an alternative to legal action. It allows you to talk to the other side in a dispute and find a solution, without going through the courts, but both sides must agree to take part.
There is no guarantee that you will reach a solution.
However, the courts encourage mediation and if you refuse to try it, they will take this into account when deciding what costs to award if you do decide to take legal action.
Mediator The mediator is an independent and qualified person who will help you and the other side to reach an agreement. Both you and the other side must agree on the mediator, or else the mediation cannot take place. The mediator does not have the power to make you or the other side reach an agreement.
Territorial limit Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.
We, us, our Allianz Legal Protection, part of Allianz Insurance plc.
What is covered
Event 5 Mediation
We will pay the costs we have agreed to of up to five hours of mediation between you and the other side, over the following.
- A boundary dispute.
- Noise.
- Access to your home.
We will provide this cover as long as:
- the dispute relates to your permanent home;
- the dispute started within the period of insurance; and
- your permanent home is within the territorial limit.
The most we will pay for all claims arising from one event is £2,000.
What is not covered
We will not provide cover for any dispute with any local authority, public authority or any government department.
Conditions that apply to Event 5
If you do not keep to the following conditions, we will have the right to cancel the policy, refuse any claim and withdraw from any current claim.
1 You must:
a give us written details of your claim along with any other supporting information we ask for.
b make your claim within six months of the event which caused the dispute.
c not appoint a mediator.
2 We will have the right to do the following.
a Settle a claim by paying the amount in dispute.
b Settle the costs covered by Event 5 at the end of the claim.
c Choose the mediator.
d End your claim and recover any costs from you which we have already paid or agreed to pay if:
- the mediator reasonably refuses to continue acting for you because of any unreasonable act or failure to act on your part; or
- you unreasonably withdraw your claim from the mediator without our agreement; and
we do not agree to appoint another mediator to continue your claim.
What is not covered by Event 1, 2, 3, 4 and 5 of this Legal Expenses policy section
1 Any claim directly or indirectly caused by or resulting from any equipment (whoever owns it) failing to recognise, interpret or deal with any date change.
2 Any costs incurred before we have accepted your claim in writing.
3 Any costs covered by another insurance policy.
4 Any costs we have not agreed to in writing.
5 Any claim which you report to us more than 6 months after the event which gave rise to the dispute.
6 Any fines or penalties.
7 Disputes between you and us.
8 Disputes between you and any other person covered by this policy.
9 Disputes between you and someone you live with or have lived with.
10 Disputes or claims arising fromthe deliberate, conscious, intentional or careless disregard by you of the need to take all reasonable steps to avoid, prevent and limit any such dispute or claim.
11 An application for a judicial review.
12 Any dispute to do with written or verbal remarks which damage your reputation.
13 Claims directly or indirectly caused by, contributed to or arising from:
- ionising radiation or radioactive contamination from nuclear fuel or from any nuclear waste arising from burning nuclear fuel; or
- the radioactive, toxic, explosive or other dangerous properties of any nuclear equipment or nuclear part of that equipment.
14 Claims arising from war, invasion, riot, revolution, terrorism or a similar event.
How to make a claim under Events 1, 2, 3, 4 and 5
If you need to make a claim under events 1, 2, 3 4 and 5 of this section call Lawphone on 0870 241 4140 and quote the policy reference which is shown under the Legal Expenses section on your policy schedule. You will be asked for a brief summary of the problem and these details will be passed on to an adviser who will call you back.We will send you a claim form. Fill the claim form in and send it to:
The Claims Department
Allianz Legal Protection
Redwood House
Brotherswood Court
Great Park Road
Bradley Stoke
Bristol
BS32 4QW
United Kingdom.
We will contact you once we have received the claim form.
You must not appoint a solicitor or mediator yourself.
If you have already seen a solicitor or mediator before we have accepted your claim in writing, we will not pay any fees or other expenses that you have incurred. If your claim is covered, we will appoint the legal representative or mediator that we have agreed to in your name and on your behalf and will only start to cover the costs from the time we have accepted the claim and appointed the legal representative or mediator.
If we have agreed to appoint a legal representative that you choose, You must pay the £250 excess by cheque made out to Allianz Legal Protection.We will not appoint the legal representative until you have paid the excess.
Event 6 Health and Medical
Information Service
This service provides you with information over the phone on health and fitness, and non-diagnostic advice on medical matters. Advice can be given on allergies, the side effects of drugs and how to improve general fitness. Information is available on self-help groups and hospital waiting lists. To contact this service phone 08705 234999.
Please state that you are an Allianz Legal Expenses policyholder and quote the policy reference which is shown under the Legal Expenses section on your policy schedule.
This service is provided 24 hours a day, 7 days a week during the period of insurance.
To help check and improve service standards, all calls are recorded.
Event 7 Counselling service
This service provides you with a confidential counselling service over the phone, including, where appropriate, onward referral to relevant voluntary or professional services.
To contact this service phone 08705 234999. Please state that you are an Allianz Legal Expenses policyholder and quote the policy reference which is shown under the Legal Expenses section on your policy schedule.
This service is provided 24 hours a day, 7 days a week during the period of insurance.
To help check and improve service standards, all calls are recorded.
Conditions that apply to all Events of this section
a Cancellation rights
You may cancel this policy within 14 days of receiving your policy wording.We will refund any money you have paid.
At any other time during the period of insurance, you or We may cancel this policy section by giving 30 days notice. If you cancel this policy section during this time, you will not be entitled to a refund of the money you have paid. If we cancel this policy section during this time, we will refund any amount you have paid for the rest of the period of insurance, as long as you have not made a claim.
You cannot make a claim for an event which occurred after the date this policy section was cancelled, but cancelling this policy section will not affect your right to claim for an event which occurred before the date this policy section was cancelled.
Every notice to cancel this policy section must be given in writing by recorded delivery. If you give us notice to cancel this policy section, You must send it to our address. If we give you notice, we will send it to your last known address.
Our address is:
Allianz Legal Protection
Redwood House
Brotherswood Court
Great Park Road
Bradley Stoke
Bristol
BS32 4QW
United Kingdom.
b Notices
Every notice which needs to be given under this policy must be given in writing.
If you give us notice, You must send it to our address.
If we give you notice, we must send it to your last known address.
c Disputes
If there is a dispute between you and us, the matter may be referred to an arbitrator who you and we agree to.
If you and we cannot agree on an arbitrator, the President of the Law Society or the Chairman of the Bar Council will choose one.
Whoever loses the arbitration must pay all the costs involved. If the decision is not clearly made against either you or us, the arbitrator will decide how you and we will share the costs.
d Your agreements with others
We will not be bound by any agreement between you and:
- the legal representative;
- the mediator; or
- any other person or organisation.
e Law and language of this policy
This policy section is subject to the laws of England and Wales.
We will communicate with you in English.
collapse

Buildings - Meaning of words
Unoccupied
Not having been lived in for more than 60 days in a row.
We have used some specific terms in the policy wording and the following are explanations to help you understand them. These explanations are for information and do not form part of the policy wording.collapse