Hiscox 505 Home and Contents (Building)

Section A - Buildings
Please read your schedule to see if your buildings are covered.
The general terms, including general conditions, general exclusions and claims conditions, and the extra exclusions shown below all apply to this section.
What is covered
We will insure the buildings up to the amount insured against physical loss or physical damage which happens during the period of insurance.
How much we will pay
We will pay the cost of rebuilding or repairing the damaged building.
This includes any rebuilding expenses.
We will normally expect you to carry out repairs. However, if you and we agree that it is not reasonable to do this, we will pay you an amount which we both consider fair.
The most we will pay in total is the amount insured. Unless we say otherwise, the amount insured applies to each incident of loss. We will pay up to this amount for further claims you make as long as you carry out our recommendations to prevent further loss or damage.
What is not covered
The following extra exclusions also apply to the whole of this section.
We do not cover the following.
1. Loss or damage caused by:
a) wear and tear or gradual deterioration, unsuitable or defective materials, rust or oxidation, moth or vermin, normal settlement, warping or shrinkage, rot, fungus, mould or infestation;
b) dryness or humidity, being exposed to light or extreme temperatures, unless the loss or damage is caused by storm or fire;
c) demolition, alteration, extension, repair, or any similar process;
d) chewing, scratching, denting or fouling by your pets;
e) pollution or contamination; or
f) anything which happens gradually, including smoke and rising damp.
2. Misuse, faulty workmanship or design, or using faulty materials.
3. The cost of maintenance or routine redecoration.
4. Mechanical or electrical faults or breakdown.
5. Loss or damage caused by water suddenly leaking from:
a) fixed water tanks, apparatus and pipes while your home is not being lived in for more than five days at a time during the months of October to April inclusive unless you keep your home heated throughout or you shut off and drain fixed water tanks, apparatus and pipes; or
b) swimming pools.
6. Loss or damage caused by subsidence, heave or landslip:
a) to domestic fixed fuel tanks, swimming pools, terraces, patios, hard tennis courts, driveways, footpaths, walls, gates, hedges and fences, unless the main house is also physically damaged at the same time; or
b) to solid floors unless the load-bearing walls are physically damaged at the same time.
7. Loss or damage caused by coastal or river erosion.
8. Loss or damage caused by storm or flood to gazebos, pergolas, arbours, gates, hedges or fences.
9. Loss or damage to the buildings while they do not have enough furniture to be lived in normally, unless the loss or damage is caused by fire, lightning or explosion.
10. If you let your home, or any part of the buildings, to tenants:
a) loss or damage caused deliberately by your tenant or by a lodger;
or
b) theft or attempted theft unless violence and force are used to enter or leave the buildings.
11. The amount of the excess (but this exclusion does not apply to the cover for replacement locks). collapse

Section A - Buildings
Please read your schedule to see if your buildings are covered.
The general terms, including general conditions, general exclusions and claims conditions, and the extra exclusions shown below all apply to this section.
What is covered
We will insure the buildings up to the amount insured against physical loss or physical damage which happens during the period of insurance.
How much we will pay
We will pay the cost of rebuilding or repairing the damaged building.
This includes any rebuilding expenses.
We will normally expect you to carry out repairs. However, if you and we agree that it is not reasonable to do this, we will pay you an amount which we both consider fair.
The most we will pay in total is the amount insured. Unless we say otherwise, the amount insured applies to each incident of loss. We will pay up to this amount for further claims you make as long as you carry out our recommendations to prevent further loss or damage.
Special extensions
The following extensions apply if your buildings are covered under this section. The amounts shown below are in addition to the amount insured for buildings.
Garden
We will pay to restore your garden if it is damaged by fire, lightning, theft or vandalism, or by a vehicle or aircraft crashing into it, anything falling from an aircraft, or falling trees, lampposts, telegraph poles or pylons, during the period of insurance. The most we will pay is £1,000 for each incident. We will not pay more than £250 to replace any one tree, shrub or plant.
What is not covered
The following extra exclusions also apply to the whole of this section.
We do not cover the following.
1. Loss or damage caused by:
a) wear and tear or gradual deterioration, unsuitable or defective materials, rust or oxidation, moth or vermin, normal settlement, warping or shrinkage, rot, fungus, mould or infestation;
b) dryness or humidity, being exposed to light or extreme temperatures, unless the loss or damage is caused by storm or fire;
c) demolition, alteration, extension, repair, or any similar process;
d) chewing, scratching, denting or fouling by your pets;
e) pollution or contamination; or
f) anything which happens gradually, including smoke and rising damp.
2. Misuse, faulty workmanship or design, or using faulty materials.
3. The cost of maintenance or routine redecoration.
4. Mechanical or electrical faults or breakdown.
5. Loss or damage caused by water suddenly leaking from:
a) fixed water tanks, apparatus and pipes while your home is not being lived in for more than five days at a time during the months of October to April inclusive unless you keep your home heated throughout or you shut off and drain fixed water tanks, apparatus and pipes; or
b) swimming pools.
6. Loss or damage caused by subsidence, heave or landslip:
a) to domestic fixed fuel tanks, swimming pools, terraces, patios, hard tennis courts, driveways, footpaths, walls, gates, hedges and fences, unless the main house is also physically damaged at the same time; or
b) to solid floors unless the load-bearing walls are physically damaged at the same time.
7. Loss or damage caused by coastal or river erosion.
8. Loss or damage caused by storm or flood to gazebos, pergolas, arbours, gates, hedges or fences.
9. Loss or damage to the buildings while they do not have enough furniture to be lived in normally, unless the loss or damage is caused by fire, lightning or explosion.
10. If you let your home, or any part of the buildings, to tenants:
a) loss or damage caused deliberately by your tenant or by a lodger; or
b) theft or attempted theft unless violence and force are used to enter or leave the buildings.
11. The amount of the excess (but this exclusion does not apply to the cover for replacement locks). collapse

Section A - Buildings
Please read your schedule to see if your buildings are covered.
The general terms, including general conditions, general exclusions and claims conditions, and the extra exclusions shown below all apply to this section.
What is covered
We will insure the buildings up to the amount insured against physical loss or physical damage which happens during the period of insurance.
How much we will pay
We will pay the cost of rebuilding or repairing the damaged building.
This includes any rebuilding expenses.
We will normally expect you to carry out repairs. However, if you and we agree that it is not reasonable to do this, we will pay you an amount which we both consider fair.
The most we will pay in total is the amount insured. Unless we say otherwise, the amount insured applies to each incident of loss. We will pay up to this amount for further claims you make as long as you carry out our recommendations to prevent further loss or damage.
What is not covered
The following extra exclusions also apply to the whole of this section.
We do not cover the following.
1. Loss or damage caused by:
a) wear and tear or gradual deterioration, unsuitable or defective materials, rust or oxidation, moth or vermin, normal settlement, warping or shrinkage, rot, fungus, mould or infestation;
b) dryness or humidity, being exposed to light or extreme temperatures, unless the loss or damage is caused by storm or fire;
c) demolition, alteration, extension, repair, or any similar process;
d) chewing, scratching, denting or fouling by your pets;
e) pollution or contamination; or
f) anything which happens gradually, including smoke and rising damp.
2. Misuse, faulty workmanship or design, or using faulty materials.
3. The cost of maintenance or routine redecoration.
4. Mechanical or electrical faults or breakdown.
5. Loss or damage caused by water suddenly leaking from:
a) fixed water tanks, apparatus and pipes while your home is not being lived in for more than five days at a time during the months of October to April inclusive unless you keep your home heated throughout or you shut off and drain fixed water tanks, apparatus and pipes; or
b) swimming pools.
6. Loss or damage caused by subsidence, heave or landslip:
a) to domestic fixed fuel tanks, swimming pools, terraces, patios, hard tennis courts, driveways, footpaths, walls, gates, hedges and fences, unless the main house is also physically damaged at the same time; or
b) to solid floors unless the load-bearing walls are physically damaged at the same time.
7. Loss or damage caused by coastal or river erosion.
8. Loss or damage caused by storm or flood to gazebos, pergolas, arbours, gates, hedges or fences.
9. Loss or damage to the buildings while they do not have enough furniture to be lived in normally, unless the loss or damage is caused by fire, lightning or explosion.
10. If you let your home, or any part of the buildings, to tenants:
a) loss or damage caused deliberately by your tenant or by a lodger;
or
b) theft or attempted theft unless violence and force are used to enter or leave the buildings.
11. The amount of the excess (but this exclusion does not apply to the cover for replacement locks). collapse

Section A - Buildings
Please read your schedule to see if your buildings are covered.
The general terms, including general conditions, general exclusions and claims conditions, and the extra exclusions shown below all apply to this section.
What is covered
We will insure the buildings up to the amount insured against physical loss or physical damage which happens during the period of insurance.
How much we will pay
We will pay the cost of rebuilding or repairing the damaged building.
This includes any rebuilding expenses.
We will normally expect you to carry out repairs. However, if you and we agree that it is not reasonable to do this, we will pay you an amount which we both consider fair.
The most we will pay in total is the amount insured. Unless we say otherwise, the amount insured applies to each incident of loss. We will pay up to this amount for further claims you make as long as you carry out our recommendations to prevent further loss or damage.
What is not covered
The following extra exclusions also apply to the whole of this section.
We do not cover the following.
1. Loss or damage caused by:
a) wear and tear or gradual deterioration, unsuitable or defective materials, rust or oxidation, moth or vermin, normal settlement, warping or shrinkage, rot, fungus, mould or infestation;
b) dryness or humidity, being exposed to light or extreme temperatures, unless the loss or damage is caused by storm or fire;
c) demolition, alteration, extension, repair, or any similar process;
d) chewing, scratching, denting or fouling by your pets;
e) pollution or contamination; or
f) anything which happens gradually, including smoke and rising damp.
2. Misuse, faulty workmanship or design, or using faulty materials.
3. The cost of maintenance or routine redecoration.
4. Mechanical or electrical faults or breakdown.
5. Loss or damage caused by water suddenly leaking from:
a) fixed water tanks, apparatus and pipes while your home is not being lived in for more than five days at a time during the months of October to April inclusive unless you keep your home heated throughout or you shut off and drain fixed water tanks, apparatus and pipes; or
b) swimming pools.
6. Loss or damage caused by subsidence, heave or landslip:
a) to domestic fixed fuel tanks, swimming pools, terraces, patios, hard tennis courts, driveways, footpaths, walls, gates, hedges and fences, unless the main house is also physically damaged at the same time; or
b) to solid floors unless the load-bearing walls are physically damaged at the same time.
7. Loss or damage caused by coastal or river erosion.
8. Loss or damage caused by storm or flood to gazebos, pergolas, arbours, gates, hedges or fences.
9. Loss or damage to the buildings while they do not have enough furniture to be lived in normally, unless the loss or damage is caused by fire, lightning or explosion.
10. If you let your home, or any part of the buildings, to tenants:
a) loss or damage caused deliberately by your tenant or by a lodger; or
b) theft or attempted theft unless violence and force are used to enter or leave the buildings.
11. The amount of the excess (but this exclusion does not apply to the cover for replacement locks). collapse

Section F - Home Emergency
The general terms, including general conditions and general exclusions, but not the claims conditions, apply to this section. The claims conditions for this section and some extra definitions, exclusions and conditions for this section are shown below.
You are automatically covered by this section.
Definitions
Approved contractor
A tradesperson authorised in advance by us to carry out repairs.
Emergency
The result of a sudden and unforeseen incident at the home or in the outbuildings which immediately:
a) exposes you or anyone else to a risk to their health;
b) creates a risk of loss of or damage to the home or outbuildings or any of the contents;
c) makes it impossible for you to live in the home.
Emergency includes damage to or breakdown of the essential services and the permanent and irreplaceable loss of all keys required to gain access to the home but not the outbuildings.
Emergency repairs
Work undertaken by an authorised contractor to resolve the emergency by completing a temporary repair.
Essential services
Mains drainage to and water and gas supply from the boundary of the premises at the address shown in the schedule, electricity within the home and outbuildings and the main source of heating, where no alternative exists and the service is immediately necessary to prevent an emergency.
Permanent repair
Repairs or work required to put right the damage caused to the home by the emergency.
Temporary repair
A repair which will resolve an emergency but will need to be replaced by a permanent repair.
What is covered
If you suffer an emergency at your home as a result of an incident which happens during the period of insurance, we will organise an emergency repair and pay up to £500 plus VAT for call-out, labour, parts and materials to carry out either:
a) the emergency repair; or
b) a permanent repair if it can be done at a similar cost.
We will not pay more than £500 plus VAT for each emergency.
Parts availability
There may be times when replacement parts are delayed because of circumstances beyond our control, or when parts are no longer available. In these situations we will ensure your home is safe and if required, the approved contractor will provide you with a quotation for a suitable repair.
What is not covered
The following extra exclusions apply to the whole of this section.
We do not cover the cost of:
1. repairs for the following events:
a) any loss or damage you knew about before the start of this policy;
b) any leaking or dripping tap that requires re-washering or replacing;
c) any boiler that needs descaling;
d) replacing sanitary ware, cylinders, tanks, radiators, external overflows and septic tanks;
e) loss of keys for outbuildings, garages and sheds;
f) interruption in the electricity supply to, or failure of, burglar or fire alarm systems, CCTV surveillance systems or swimming pools and their plumbing and filtration systems;
g) burst or leaking flexible hoses or leaking appliances or saniflow toilets and other mechanical equipment;
h) any emergency in your home if it has not been lived in for more than 30 days in a row.
2. repairs to:
a) any boiler over 15 years old;
b) boilers with an output over 60 kilowatts per hour;
c) warm air or solar powered heating systems;
d) unvented systems.
3. replacing your boiler or heating system.
4. repairing any loss or damage arising because a utility company has deliberately disconnected or interrupted the mains service.
5. providing any equipment or services which are the responsibility or property of the utility company.
6. normal day to day maintenance at your home.
7. replacing items that wear out over a period of time.
8. repairing any damage excluded under the general exclusions applying to the whole of this policy.
Claims and conditions applying to this section
If there is an emergency, you should tell us immediately by calling the 24 hour Home Emergency line on 0845 213 8400.
We will not pay the cost of any repairs unless you have told us immediately and we have authorised an approved contractor in advance.
You must give us your policy number when you call for help. You must produce any relevant identification requested by the contractor or anyone else we nominate.
You must co-operate with us if we start proceedings in your name against anyone whose actions may have caused the damage in order to recover, for our benefit, the amount of any payment we have made under this section.
Extra conditions
If any cost covered under this section is also covered by any other insurance or maintenance contract, we will not pay more than our fair share (rateable proportion) of the claim.
This section is not a maintenance contract. It does not cover day to day maintenance which you should do.
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Section A - Buildings
Please read your schedule to see if your buildings are covered.
The general terms, including general conditions, general exclusions and claims conditions, and the extra exclusions shown below all apply to this section.
What is covered
We will insure the buildings up to the amount insured against physical loss or physical damage which happens during the period of insurance.
How much we will pay
We will pay the cost of rebuilding or repairing the damaged building.
This includes any rebuilding expenses.
We will normally expect you to carry out repairs. However, if you and we agree that it is not reasonable to do this, we will pay you an amount which we both consider fair.
The most we will pay in total is the amount insured. Unless we say otherwise, the amount insured applies to each incident of loss. We will pay up to this amount for further claims you make as long as you carry out our recommendations to prevent further loss or damage.
Special extensions
The following extensions apply if your buildings are covered under this section. The amounts shown below are in addition to the amount insured for buildings.
Replacement locks
If you lose the keys to outside doors, windows, safes and alarms of your home during the period of insurance, we will pay the cost of changing the locks. The most we will pay for this, under all sections of this policy, is £2,500 each time you lose the keys.
What is not covered
The following extra exclusions also apply to the whole of this section.
We do not cover the following.
1. Loss or damage caused by:
a) wear and tear or gradual deterioration, unsuitable or defective materials, rust or oxidation, moth or vermin, normal settlement, warping or shrinkage, rot, fungus, mould or infestation;
b) dryness or humidity, being exposed to light or extreme temperatures, unless the loss or damage is caused by storm or fire;
c) demolition, alteration, extension, repair, or any similar process;
d) chewing, scratching, denting or fouling by your pets;
e) pollution or contamination; or
f) anything which happens gradually, including smoke and rising damp.
2. Misuse, faulty workmanship or design, or using faulty materials.
3. The cost of maintenance or routine redecoration.
4. Mechanical or electrical faults or breakdown.
5. Loss or damage caused by water suddenly leaking from:
a) fixed water tanks, apparatus and pipes while your home is not being lived in for more than five days at a time during the months of October to April inclusive unless you keep your home heated throughout or you shut off and drain fixed water tanks, apparatus and pipes; or
b) swimming pools.
6. Loss or damage caused by subsidence, heave or landslip:
a) to domestic fixed fuel tanks, swimming pools, terraces, patios, hard tennis courts, driveways, footpaths, walls, gates, hedges and fences, unless the main house is also physically damaged at the same time; or
b) to solid floors unless the load-bearing walls are physically damaged at the same time.
7. Loss or damage caused by coastal or river erosion.
8. Loss or damage caused by storm or flood to gazebos, pergolas, arbours, gates, hedges or fences.
9. Loss or damage to the buildings while they do not have enough furniture to be lived in normally, unless the loss or damage is caused by fire, lightning or explosion.
10. If you let your home, or any part of the buildings, to tenants:
a) loss or damage caused deliberately by your tenant or by a lodger; or
b) theft or attempted theft unless violence and force are used to enter or leave the buildings.
11. The amount of the excess (but this exclusion does not apply to the cover for replacement locks). collapse

Section D - Family legal protection
You are automatically covered by this section.
The insurer for this section is DAS Legal Expenses Insurance Company Limited. We will always try to give you a quality service. If you think we have let you down, we have customer complaint handling procedures. Details of these are available on request.
Extra definitions
Costs and expenses
a) Legal costs
All reasonable and necessary costs which the appointed representative may charge on a standard basis. Also the costs your opponents have to pay in civil cases if you have been ordered to pay them, or pay them with our agreement.
b) Accountant's costs
c) Attendance expenses.
Date of occurrence
a) For civil cases , the date of occurrence is the date when an event happens which may lead to a claim. If there is more than one event arising at the same time or from the same cause, the date of occurrence is the date of the first of these events.
b) For criminal cases, the date of occurrence is when you began or are alleged to have begun to break the criminal law in question.
c) For full enquiries, the date of occurrence is when the Inland Revenue first write to you saying they plan to make enquiries.
Full enquiry
A full examination by the Inland Revenue which considers all aspects of your tax affairs, but not enquiries which are limited to one or more specific aspects of your self-assessment tax return.
Representative
The lawyer, accountant or other suitably qualified person who has been appointed to act for you in accordance with the terms of this section.
Territorial Limit
a) For insured incident 2 - bodily injury, the territorial limit is anywhere in the world
b) For all other insured incidents, the territorial limit is the United Kingdom.
Claims conditions applying to this section
1. You must:
a) keep to the terms and conditions of this policy;
b) try to prevent anything happening that may cause a claim;
c) take reasonable steps to keep any amount we have to pay as low as possible'
d) send everything we ask for, in writing;
e) give us full details by phone or in writing of any claim as soon as possible and give us any information we need.
2. a) We can take over and control, in your name, any claim or legal proceedings at any time. We can negotiate any claim on your behalf.
b) You are free to choose an appointed representative (by sending us a suitably-qualified person's name and address) if:
- we agree to start court proceedings and it becomes necessary for a lawyer to represent your interests in those proceedings; or
- there is a conflict of interest.
We may choose not to accept your choice, but only in exceptional circumstances. If there is a disagreement over the choice of appointed representative in these circumstances, you may choose another suitably-qualified person.
c) In all circumstances except those in 2.b) above, we are free to choose an appointed representative.
d) We will appoint a representative and the appointed representative must co-operate fully with us at all times.
e) We will have direct contact with the appointed representative.
f) You must co-operate fully with us and the appointed representative, and must keep us up to date with the progress of the claim.
g) You must give the appointed representative any instructions that we may need.
3. a) You must tell us if anyone offers to settle a claim.
b) If you do 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 you the amount of damages that you are claiming or which is being claimed against you, instead of starting or continuing legal proceedings.
4. a) You must tell the appointed representative to have costs and expenses taxed, assessed or audited, if we ask for this.
b) You 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 you or if you dismiss an appointed representative, the cover we provide will end at once, unless we agree to appoint another appointed representative.
6. If you settle a claim or withdraw your claim without our agreement, or do not give suitable instructions to an appointed representative, the cover we provide will end at once. We will be entitled to reclaim any costs and expenses we have paid.
7. If there is a disagreement about the way we handle a claim that is not resolved through our internal complaints procedure, you can contact the Financial Ombudsman Service for help.
8. We may at our discretion require you to obtain at your own expense an opinion from a lawyer, accountant or other suitable qualified person chosen by you and us as to the merits of a claim or proceedings. If the chosen persons opinion indicates that it is more likely than not that you will recover damages (or obtain any other legal remedy that we have agreed to) or make a successful defence, we will pay the cost of obtaining the opinion.
9. All acts of Parliament mentioned in this section include equivalent laws in Scotland, Northern Ireland, the Isle of Man and the Channel Islands as the case may be.
What is covered
We agree to provide you with the insurance in this section, as long as:
a. The premium has been paid;
b. The date of occurrence of the insured incident is during the period of insurance and within the territorial limit;
c. Any legal proceedings will be dealt with by a court, or other body which we agree to, in the territorial limit; and
d. For civil claims we agree that it is always more likely than not that you will recover damages (or obtain any other legal remedy which we have agreed to) or make a successful defence.
Anyone claiming under this section must have the agreement of the person named as the insured in the schedule to claim.
For all insured incidents we will help in appealing or defending an appeal as long as you tell us within the time limits allowed that you want us to appeal. Before we pay the costs and expenses for appeals, we must agree that it is always more likely than not that the appeal will be successful.
If a representative is used, we will pay the costs and expenses incurred for this.
How much we will pay
The most we will pay for all claims resulting from one or more event arising at the same time or from the same originating cause is £50,000
Insured incidents we will cover
Insured Incident 1 Contract Disputes
We will negotiate for your legal rights in a contractual dispute arising from an agreement or an alleged agreement which you have entered into for:
a) buying or hiring any goods or services; or
b) selling any goods.
provided that:
- you have entered into the agreement or alleged agreement during the period of insurance; and
- the amount in dispute is more than £100.
We do not cover any claim relating to the following .
1. A contract related to your profession, business or employment.
2. A lease of land or buildings, or a licence or tenancy of land or buildings. However, we do cover a dispute with a professional adviser in connection with the drafting of a lease, licence or tenancy agreement.
3. The settlement payable under an insurance policy.
4. Any loan, mortgage, pension, investment or borrowing.
Insured Incident 2 Bodily Injury
We will negotiate for your legal rights after an event which causes your death or bodily injury.
We do not cover any claim relating to the following.
1. Any illness or bodily injury which happens gradually or is not caused by a specific or sudden accident.
2. Defending your legal rights. However, we will cover you if defending a counter-claim.
3. Clinical Negligence
4. Psychological injury or mental illness unless the condition follows a specific or sudden accident that has caused physical bodily injury to you.
Insured Incident 3 Clinical Negligence
We will negotiate for your legal rights where it is alleged that the accidental death or bodily injury to you has resulted from a single negligent act of surgery, clinical or medical procedure.
What is not covered under clinical negligence:
1. The alleged failure to correctly diagnose your condition
2. Psychological injury or mental illness that is not associated with you having suffered physical bodily injury.
Insured Incident 4 Property Protection
We will:
1. Negotiate for your legal rights in a civil action; and/or
2. Arrange mediation;
for a dispute relating to material property (including your home), which is owned by you or for which you are responsible following:
a. Any event which causes physical damage to such material property, provided that the amount in dispute is more than £100; or
b. Any legal nuisance (meaning any unlawful interference with your use or enjoyment of your home, or some right over, or in connection with it) or trespass, provided that you are responsible for the first £250 of any claim.
We do not cover:
1. Any claim relating to the following:
a. A contract entered into by you
b. Any building or land other than your home
c. Someone legally taking your home from you, whether you are offered money or not, or restrictions or controls placed on your home by any government or public or local authority unless the claim is for accidental physical damage.
d. Work done by any government or public or local authority unless the claim is for accidental physical damage.
e. Mining subsidence.
2. Defending a claim relating to an event that causes or could cause physical damage to material property, but defending a counter claim is covered.
Insured Incident 5 Tax Protection
We will negotiate on your behalf and represent you in any appeal proceedings from a full enquiry by the Inland Revenue into your personal tax affairs if the full enquiry resulted from your work as an employee.
We do not cover any claim relating to the following:
1. Your business or profession;
2. Any investigation or enquiries undertaken by HM Revenue & Customs Special Investigation Section or Special Compliance Office or the HM Revenue & Customs Prosecution Office.
Insured Incident 6 Legal Defence
We will defend your legal rights if an event arising from your work as an employee leads to:
a. You being prosecuted in a court of criminal jurisdiction; or
b. Civil action being taken against you under legislation for unlawful discrimination; or
c. Civil action being taken against you under section 13 of the Data Protection Act 1998
2. We will defend your legal rights if an event leads to your prosecution for an offence connected with the use or driving of a motor vehicle.
We do not cover any claim relating to the following:
1. Parking offences
2. The driving of a motor vehicle by you for which you do not have valid motor insurance.
Insured Incident 7 Attendance Expenses
We will pay your net salary or wages for the time that you are off work while attending jury service or attending a court or tribunal at the request of the representative, in relation to a claim accepted under section 6 of this policy.
We will pay your net salary or wages for each half or whole day of such attendance as far as they are not recoverable from the court or your employer.
The amount we will pay is based on the following:
a. The time you are off work, including the time it takes to travel to and from the court. We will work it out to the nearest half day, assuming that a whole day is eight hours.
b. If you work full time, the salary or wages for each whole day equals 1/250th of your yearly salary or wages
c. If you work part-time, the salary or wages will be a proportion of your salary or wages.
d. If you are self-employed, we will pay the net salary or wages that you draw from the business to cover your personal cost of living expense.
What is not covered
1. Any incident or matter arising before the start of this policy
2. Any costs and expenses incurred before our written acceptance of a claim.
3. Fines, penalties, compensation or damages which you are ordered to pay by a court or other authority.
4. Any incident intentionally brought about by you.
5. A claim which is fraudulent, exaggerated or dishonest or where an allegation of dishonesty or violent behaviour has been made against you.
6. Any claim relating to written or verbal remarks which damage your reputation.
7. A dispute with us not otherwise dealt with under condition 7 above.
8.Costs and expenses arising from or relating to Judicial Review, coroners inquest
9. Any legal action you take which we or the representative have not agreed to, or where you do anything that hinders us or the representative.
10. Any claim caused by, contributed to by or arising from pressure waves caused by aircraft or any other airborne devices travelling at sonic or supersonic speeds.
11. Any claim where you have failed to notify us of the insured incident within a reasonable time of it happening and where this failure adversely affects the prospects of successfully recovering damages (or getting any other legal remedy that we have agreed to, or of making a successful defence).
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