Ecclesiastical Home Insurance (Bedroom Rated) (Building)

Buildings
12. Accidental damage
This cover only applies if your schedule states that your cover includes accidental damage.
What is not covered
(i) Damage caused by any paying guests, tenants or tenants guests in your home.
(ii) Damage to wind turbines.
(iii) Damage which is specifically mentioned elsewhere under this section.collapse

Buildings
This section also covers the following.
21. Trees, plants and shrubs
We will pay for damage to your trees, plants or shrubs covered under any paragraph in force under this section, other than paragraph 2 storm or flood, up to a limit of £250 per item.
The most we will pay is £2,500 in total for all claims in any one period of insurance.
What is not covered
(i) Damage caused by frost or weight of snow
(ii) Damage caused by animals collapse

Buildings
8. Water freezing
in any fixed water or heating system in your home.
What is not covered
Damage caused after your home has been continuously unoccupied or unfurnished for more than 60 days.
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Buildings
20. Locks & keys
If you lose the keys to your home or they are stolen or there is accidental damage to the locks of the outside doors or windows we will pay for reasonable and necessary costs of:
(a) gaining access to your home
(b) repairing or replacing the locks.
The most we will pay for any one claim is £1,000.collapse

7 Legal expenses (This section automatically applies)
Guidance note
The cover under this section has been arranged by us and DAS Legal Expenses Insurance Company Limited (DAS). We are responsible for paying any claims under this section but DAS deal with any claims matters and correspondence on our behalf. Their address is:
DAS Legal Expenses Insurance Company Limited
DAS House, Quay Side, Temple Back, Bristol BS1 6NH
Telephone 0117 934 2104
It is most important that you let DAS know as soon as possible if any problems arise which may result in a claim under this section
Definitions
Appointed representative
The lawyer or other suitably qualified person appointed under this section to act for you in accordance with the terms of this section.
Costs and expenses
(a) Legal costs all reasonable and necessary costs charged by the appointed representative on a standard basis. Also the costs your opponents have run up if you have to pay them, or pay them with the agreement of DAS.
(b) Accountants costs all reasonable and necessary costs incurred by the appointed representative.
DAS
DAS Legal Expenses Insurance Company Limited.
Date of occurrence
(a) For civil cases (except for examinations by H.M. Revenue & Customs into an insured persons tax affairs)
the date of the event which may lead to a claim. If there is more than one event arising at the same time or from the same cause, then the occurrence is the date of the first of these events.
(b) For criminal cases the date when the insured person began or is said to have begun to break the criminal law in question.
(c) For full enquiries the date when H.M. Revenue & Customs first tell an insured person in writing that they intend to investigate an insured persons tax affairs.
Full enquiry
An extensive examination by H.M. Revenue & Customs which considers all aspects of the insured persons tax affairs, but not enquiries which are limited to one or more specific aspects of the insured persons self-assessment tax return.
Insured person
You and any member of your family who always live with you. Anyone claiming under this policy must have your agreement to claim.
Limit of cover
The most we will pay for all claims occurring at the same time or from the same cause. (The limit of cover is £50,000).
Motor vehicle
(a) Any motor vehicle which needs a tax disc to go on a road and which is built or adapted to carry up to seven passengers (including motor cycles, mopeds and pedal cycles).
(b) Any caravan or trailer which is attached to a motor vehicle or which is temporarily detached from it.
Territorial limits
(a) Contractual disputes and bodily injury. The European Union, the Isle of Man, the Channel Islands, Albania, Andorra, Bosnia Herzegovina, Croatia, Iceland, Liechtenstein, Macedonia, Monaco, Montenegro, Norway, San Marino, Serbia, Switzerland and Turkey (west of the Bosphorus).
(b) For all other insured incidents. The United Kingdom of Great Britain and Northern Ireland, the Isle of Man and the Channel Islands.
We /our / us
Ecclesiastical Insurance Office plc.
You / your
The person(s) named as insured in the schedule.
What is covered
We will pay costs and expenses of up to the limit of cover for the following events or causes which have a date of occurrence within the period of insurance and within the territorial limits. We will also pay for any legal proceedings in courts within the territorial limits.
DAS will help in appealing or defending an appeal as long as the insured person tells DAS within the time limits allowed that they want DAS to appeal.
Before we pay the costs and expenses for appeals, DAS must agree that it is always more likely than not that the appeal will be successful.
If an appointed representative is used we will pay the costs and expenses incurred for this.
We will only provide this cover if there is a reasonable chance of recovering damages, or of a successful defence in the event of a civil claim.
What is not covered
Any claim relating to the following:
(i) Any claim reported to DAS more than 180 days after the date an insured person should have known about the event.
(ii) Any incident or matter arising before the start of the cover provided by this section.
(iii) Costs and expenses an insured person pays or is charged for before DAS accept a claim under this section.
(iv) Expenses for work carried out in or on land which benefits land or buildings other than your home.
(v) Fines, damages or other penalties which the insured person is ordered to pay by a court.
(vi) Any claim relating to an insured persons alleged dishonesty or alleged violent behaviour.
(vii) Any claim relating to written or verbal remarks which damage the insured persons reputation.
(viii) Any insured incident an insured person has deliberately or intentionally provoked
(ix) A dispute with us or DAS which is not dealt with by condition 7 of this section.
(x) 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.
(xi) An application for a judicial review.
1. Employment disputes
DAS will negotiate for the insured persons legal rights in a dispute arising from a contract of legal employment entered into by the insured person for their work as an employee.
What is not covered
Any claim relating to personal injury.
2. Contract disputes
DAS will negotiate for the following:
(1) The insured persons legal rights in a contractual dispute arising from an agreement or alleged agreement which an insured person has entered into for:
(a) the buying or hiring in of any goods or services; or
(b) the selling of any goods.
(2) Your legal rights in a contractual dispute or for misrepresentation arising from an agreement or alleged agreement which you have entered into for the buying or selling of your principal home.
In addition, we will cover a dispute with a professional advisor in connection with the drafting of a lease, licence or tenancy agreement.
Provided that
(a) the insured person has entered into the agreement or alleged agreement during the period of insurance; and
(b) the amount in dispute is more than £100.
What is not covered
(i) A contract regarding an insured persons profession, business or employment.
(ii) The settlement payable under an insurance policy.
(iii) Construction work on any land, or designing, converting or extending any building.
(iv) A lease of less than 8 years, or a licence or tenancy of land or buildings.
(v) A contract involving a motor vehicle, its parts or accessories.
3. Bodily injury
DAS will negotiate for the insured persons legal rights after an event which causes the death of, or bodily injury to, an insured person.
What is not covered
(i) Injuries the insured person receives while driving a motor vehicle.
(ii) Any illness or bodily injury or naturally occurring condition which happens gradually or is not caused by a specific or sudden incident.
(iii) Defending an insured persons legal rights other than defending a counter claim.
4. Property protection
DAS will negotiate for the insured persons legal rights in a civil action relating to material property (including your principal home) which is owned by the insured person or for which the insured person is responsible following:
(1) any event which causes or could cause physical damage to such material property provided that the amount in dispute is more than £100; or
(2) any nuisance or trespass, provided that you are responsible for the first £250 of every claim.
What is not covered
Any claim relating to:
(i) A contract entered into by an insured person.
(ii) Any building or land other than your principal home.
(iii) Your principal home being taken legally from you whether or not you are offered money or restrictions or controls are placed on your principal home by any government or public or local authority unless any claim is for accidental damage.
(iv) Work done by any government or public or local authority unless the claim is for accidental physical damage.
(v) A motor vehicle owned or used by or hired or leased to an insured person.
(vi) Mining subsidence.
Defending any claim under What is covered 4 (1)but defending a counter claim is covered.
5. Tax protection
DAS will negotiate on the insured persons behalf and represent the insured person in any appeal proceedings in respect of a full enquiry by H.M Revenue & Customs into the insured persons personal tax affairs if the full enquiry resulted from the insured persons work as an employee.
6. Jury service
We will pay the insured persons salary or wages for the time that the insured person is off work while attending jury service for each half or whole day of such attendance as far as they are not recoverable
from the court or the insured persons employer.
Limits
(a) The salary or wages while the insured person is off work, including the time it takes to travel to and from court to the nearest half day assuming that a whole day is eight hours.
(b) If the insured person works full time, the salary or wages for each whole day equals to 1/250th of the insured persons yearly salary or wages.
(c) If the insured person works part time, the salary or wages will be a proportion of the insured persons salary or wages.
7. Legal Defence
(1) DAS will defend the insured persons legal rights if an event arising from the insured persons work as an employee lead to:
(a) the insured person being prosecuted in a court of criminal jurisdiction; or
(b) civil action being taken against the insured person under legislation for unlawful discrimination on the grounds of sex, race, disability, religious belief or political opinion; or
(c) civil action being taken against the insured person under Section 13 of the Data Protection Act 1998.
(2) DAS will defend the insured persons legal rights if an event leads to their prosecution for an offence connected with the use or driving of a motor vehicle.
What is not covered
(i) Parking offences
(ii) Driving of a motor vehicle by an insured person when valid motor insurance is not held.
Conditions
1 (a) Every communication which DAS needs from any person insured under this section must be made in writing to them.
(b) An insured person must take all reasonable steps to prevent any liability which may give rise to a claim under this section.
(c) When a claim is made under this section an insured person must immediately give written details of the event to DAS and provide all information they ask for.
2 (a) DAS can take over and conduct, in the name of an insured person, any claims or legal proceedings at any time. DAS can negotiate any claim on behalf of an insured person.
(b) If DAS agree to start legal proceedings and it becomes mandatory for an insured person to be represented by a lawyer or if there is a conflict of interest, an insured person can choose an appointed representative to act for them and must send DAS the suitably qualified persons name and address. DAS may refuse to accept the choice of representative, but only in exceptional circumstances.
If there is a disagreement over the choice of appointed representative, another suitably qualified person can be appointed to decide the matter.
(c) Before an insured person chooses a lawyer or an accountant, DAS can appoint an appointed representative.
(d) An appointed representative will be appointed by DAS and represent an insured person according to DASs standard terms of appointment.
The appointed representative must co-operate fully with DAS at all times.
(e) DAS will have direct contact with the appointed representative.
(f) An insured person must co-operate fully with DAS and the appointed representative and must keep DAS up to date with the progress of the claim.
(g) An insured person must give the appointed representative any instructions DAS require.
3 (a) An insured person must tell DAS if anyone offers to settle a claim.
(b) If an insured person does not accept a reasonable offer to settle a claim, we may refuse to pay any further costs and expenses.
(c) We may decide to pay the insured person the amount of damages that the insured person is claiming or which are being claimed against them instead of starting or continuing legal proceedings.
4 (a) When DAS ask, an insured person must instruct the appointed representative or any other person to have costs and expenses taxed, assessed or audited.
(b) An insured person must take every step to recover costs and expenses that we have to pay and must pay us any costs and expenses that are recovered.
5 If an appointed representative refuses to continue acting for an insured person or if an insured person dismisses the appointed representative the cover we provide will end immediately unless DAS agree to appoint another appointed representative.
6 If an insured person settles a claim or withdraws their claim without DAS agreement or does not give suitable instructions to an appointed representative, the cover we provide will end immediately and we will be entitled to reclaim any costs and expenses paid by us.
7 If an insured person and DAS disagree about the choice of appointed representative, or about the handling of a claim, DAS and the insured person can choose another suitably qualified person to decide the matter. DAS and the insured person must both agree to the choice of this person in writing. Failing this DAS will ask the president of a relevant national law society to choose a suitably qualified person. All costs of resolving the difference will be paid by the one who loses the dispute.
8 DAS may at their discretion require an insured person to obtain at their expense, an opinion from a barrister chosen by an insured person and DAS as to the merits of a claim or proceedings.
If the barristers opinion indicates that there are reasonable grounds for the pursuit or defence of a claim or proceedings, the cost of obtaining the opinion will be paid by us.
9 All Acts of Parliament mentioned in this section of the policy include equivalent laws in Scotland, Northern Ireland, the Isle of Man and the Channel Islands as the case may be.
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