Kwik-Fit Household Insurance

Building

Your Right to Cancel
You have the right to cancel this policy within 14 days
You have the right to cancel this policy within 14 days of receiving the policy documents, or the start date of the policy, whichever is the latter. If you do not exercise this right, the policy will continue until the expiry date shown on your schedule of insurance, unless you, we or your insurer cancel it at a later date (see below).
If you want to cancel your policy, you must either call or write to us (see pages 3 & 4 for our contact details).
If you ask for your policy to be cancelled within the first 14 days, provided no claim has been made, your insurer will refund you the premium paid.
If there have been any claims, your insurer will make a proportionate charge for the number of days you have received cover. The remainder of the money that you paid will then be refunded. This is with the exception of claims which bring about the end of the contract (for example, a claim where a total loss payment has been made). In these cases no refund will be given, and if you are paying your insurance by instalments, you will have to pay the balance of the premium.

SECTION 3 - BUILDINGS COVER
SECTION 3 BUILDINGS OPTIONAL ADDITIONAL COVER
What is covered
Accidental damage to the buildings.
What is not covered
a. the amount of the excess shown on the schedule (which will be increased by any applicable endorsement)
b. accidental damage specifically excluded elsewhere in Section 3 - Buildings Cover
c. loss or damage caused by frost
d. loss or damage caused by wear and tear or gradually developing deterioration, settlement or shrinkage of the buildings
e. loss or damage caused by fungus, insects, vermin or dry rot
f. damage caused by domestic pets
g. loss or damage caused by mechanical or electrical breakdown or failure
h. loss or damage specifically covered elsewhere in this policy
i. loss or damage arising from the alteration or extension of the buildings or the cost of maintenance or routine decoration
j. loss or damage arising from faulty workmanship, defective design or use of defective materials
k. loss or damage while the home is unoccupied or unfurnished
l. damage caused by anyone other than your family who is staying in your home, with or without your permission
m. loss or damage caused by chemicals reacting with any materials which your home is built from

SECTION 3 - BUILDINGS COVER
What is the most your insurer will pay?
Your insurer will not pay more in total than the sum insured for buildings shown on your schedule for any one claim under sub-sections 1, 4-11, 14, 17-18. Your insurer will pay up to the limits shown under sub-sections 2, 3, 12, 13, 15, 16, 19 and 20.
4 Subsidence
What is covered
Loss or damage to the buildings by subsidence, landslip or ground heave of the site on which the buildings stand.
What is not covered
a. the amount of the excess shown on the schedule (which will be increased by any applicable endorsement)
b. loss or damage:
i. caused by normal settlement, shrinkage or expansion
ii. resulting from coastal or river bank erosion
iii. arising from construction, structural alteration, repair or demolition
iv. arising from the use of defective materials, defective design or faulty workmanship
v. to boundary and garden walls, terraces, gates, hard courts and swimming pools unless the home has been damaged at the same time by the same cause
vi. to or resulting from movements of solid floors, slabs and non load bearing walls unless the foundations beneath the load bearing walls of the home are damaged at the same time by the same cause
vii. caused by chemicals reacting with any materials which your home is built from

SECTION 3 - BUILDINGS COVER
2 Escape of Water or Frost Damage
What is covered
1) Loss or damage to the buildings by the following causes:
Escape of water from or frost damage to:
a. a fixed:
- water installation
- drainage installation
- heating installation
b.
- a washing machine
- dishwasher
- water bed
- refrigerator
- deep-freeze cabinet
2) The necessary and reasonable costs that are incurred in locating the source of the damage. This includes the reinstatement of any walls, floors or ceilings removed or damaged during the search.
Your insurer will not pay more than £5,000 for any one claim
What is not covered
a. the amount of the excess shown on the schedule (which will be increased by any applicable endorsement)
b. loss or damage
i. while the home is unoccupied or unfurnished
ii. by subsidence, ground heave or landslip
iii. by dry rot
iv. by chemicals reacting with the materials which your home is built with

Domestic and Legal Helplines
These services are provided by MotorPlus Ltd trading as FamilyPlus To use these services, call 0800 027 7176 24 hours a day, 7 days a week.
Please do not phone this number to report a general insurance claim.
Queries made and advice given will remain entirely confidential.
European Legal Advice Service
provides legal advice on your personal legal problems. This applies to legal queries from the European Union (including the UK), together with the Isle of Man, the Channel Islands, Switzerland and Norway.
Tax Advisory Service
if you have a personal UK tax query, we can provide advice.
Home Assistance Service
if you have a crisis in the home, such as a water leak, a blocked drain or general property damage you can contact us and we will arrange for a reputable contractor to help you. NOTE: You will be responsible for the contractor's charges, including any call out fees.
If you need domestic help, we can locate cleaners or other domestic staff including child minders. NOTE: You will be responsible for any staff or agency charges.
Health and Medical Information Service
if you have questions about health or fitness matters such as how to improve your general health, problems with allergies or the side-effects of drugs, we can provide the answers. This can include non-diagnostic advice on medical matters. We can also provide details about self-help groups and family health service associations. Information is available about patient rights, social security and social service matters and about hospital waiting lists.
Veterinary Help Service
if your pet needs a vet, we can help to find an appropriate one for you.
Counselling Service
We provide a confidential telephone Counselling Service, with facilities for reference to any appropriate professional or voluntary service.
To maintain our high service standards, we may sometimes record calls. However, the content of such calls remains confidential. We do not record the calls for the Health and Medical Information Service or the Counselling Service.
When you phone, please tell us that your policy is from Kwik-Fit Insurance.
We will not accept responsibility if any helpline service fails for reasons we cannot control.

Claims Conditions
Claims procedures
- Report the claim to your insurer. Their claim telephone number is shown on your schedule.
- You must not throw away any damaged item before your insurer has the opportunity to inspect it.
- Get the estimates needed by your insurer as soon as possible for repairing the damage. Any temporary repairs needed to make your home weatherproof or safe can be put in hand immediately, but keep the bills as the cost may form part of your claim. But, your insurer should have the opportunity of looking at the damage before permanent repairs start.
- You must supply at your own expense all reports, certificates, plans and other information that your insurer needs.
- You must take all reasonable steps to recover any missing property.
- You must take all reasonable steps to prevent further damage.
- You must not admit or deny any claim made by someone else against you or your family or make any agreement with them. Your insurer has the right to negotiate, settle or defend any such claim in your name or on your behalf.
- If someone is holding you or your family responsible for damage to their property or for bodily injury to them, tell your insurer immediately.
- You must report any claims as soon as you can and no later than 6 months after the event which gave rise to the claim.
- If your insurer asks, please send written details of your claim to them.

Claims Conditions
Claims procedures
- Report the claim to your insurer. Their claim telephone number is shown on your schedule.
- You must not throw away any damaged item before your insurer has the opportunity to inspect it.
- Get the estimates needed by your insurer as soon as possible for repairing the damage. Any temporary repairs needed to make your home weatherproof or safe can be put in hand immediately, but keep the bills as the cost may form part of your claim. But, your insurer should have the opportunity of looking at the damage before permanent repairs start.
- You must supply at your own expense all reports, certificates, plans and other information that your insurer needs.
- You must take all reasonable steps to recover any missing property.
- You must take all reasonable steps to prevent further damage.
- You must not admit or deny any claim made by someone else against you or your family or make any agreement with them. Your insurer has the right to negotiate, settle or defend any such claim in your name or on your behalf.
- If someone is holding you or your family responsible for damage to their property or for bodily injury to them, tell your insurer immediately.
- You must report any claims as soon as you can and no later than 6 months after the event which gave rise to the claim.
- If your insurer asks, please send written details of your claim to them.
How your insurer settles claims
- Your insurer will at its option, pay in cash the amount of the loss or damage or arrange for the repair, reinstatement or replacement of the damaged property.
- Your insurer will not pay more than the sum insured shown on your schedule.
- Your sum insured will not be reduced by any claim.
- You will have to pay the excess shown on your schedule.
Matching sets, suites and carpets
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.
Your insurer will pay you for individual damaged items but not for undamaged companion pieces. Where carpeting is damaged beyond repair only the damaged carpet will be replaced and not undamaged carpet in adjoining rooms.
Wear and tear
Contents there will be a deduction for wear and tear for clothes, furs, and household linen. There will be no such deduction for all other contents provided they have been maintained in a good state of repair and the sum insured represents the full value of the item.
Buildings if repair or reinstatement is carried out, there will be no deduction for wear and tear if the sum insured represents the full value of the buildings and they have been maintained in a good state of repair.

Policy Conditions
You and your family must meet with the following conditions to have the full protection of your policy. If you do not meet the conditions, your insurer may cancel the policy or refuse to deal with your claim.
1. Sums insured
At all times, you must keep the sums insured at a level which represents the value of the property insured.
Full value means:
For Buildings
The cost of rebuilding if the buildings were completely destroyed. This is not the market value.
For Contents
The current cost as new of all contents (other than clothes, furs and household linen). For clothes, furs and household linen the current cost as new, less an appropriate allowance for wear and tear.
If you dont insure your buildings and/or contents for their full value, your insurer will reduce the amount of any claim in proportion to the amount you have under insured by.
2. Changes in your circumstances
You must tell us as soon as possible of any change which may affect this insurance. In particular any of the following:
- Any change of address
- Any change in occupation for you or any other person named on your schedule
- Any convictions or prosecutions, (other than for motoring offences) relating to you or your family
- Any changes to your building that will increase rebuilding costs, for example, adding an extension to the building
- Any increase in the value of your contents or personal effects
- Anyone, other than a member of your family, coming to live with you
- If you leave the home unoccupied for more than 30 consecutive days
- If you or any members of your family normally residing with you have been declared bankrupt
- If your home is now used for business purposes
- Any work that is to be done that is not routine repair, maintenance or decoration
3. 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 and your family must maintain your property in a good state of repair.
4. Proof of value
If you have valuables which are worth £1500 or more individually, you must have a valuation certificate for each of these. Your insurer will need to see the valuation certificate in the event of a claim. It is your responsibility to keep the certificate up-to-date, by having it renewed every 3 years.

General Exclusions
These exclusions apply throughout your policy. Your insurer will not pay for:
Riot/civil commotion
Any loss, damage or liability caused by or happening through riot or civil commotion outside the United Kingdom.
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 the market value of any property after its repair or reinstatement.
Confiscation
Any loss or damage or liability caused by or happening through confiscation or detention by Customs or other Officials or Authorities.
The exclusions above do not apply to the following covers:
- Liability to Domestic Staff
- Tenants Liability
- Liability to the Public
- Property Owners liability
- Owners Liability.
Radioactive contamination
1 Loss or damage to any property or any loss or expense resulting or arising from or any consequential loss
2 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 its nuclear component.
War risks
Any loss, damage or liability caused by or happening through or in consequence of war, invasion, an act of a foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
Pollution/contamination
Liability, loss or destruction of, or damage to, any property, or death arising directly or indirectly from pollution or contamination unless caused by:
- Leakage of oil from a domestic oil installation at your home, or
- A sudden and unexpected and identifiable incident which happens in its entirety at a specific moment of time during the period of insurance at your home; and
- Is reported to your insurer not later than 30 days from the end of the period of insurance;
In which case all such pollution and/or contamination arising from the incident shall be taken to have happened at the time of the incident.
Date change
Any loss of or damage to any computer equipment whatsoever and/or software and/or microchip controlled electrical appliance, owned by you or in your custody or control, or any resultant loss of data contained within any computer/software/database or similar equipment, directly or indirectly caused by or contributed to by or arising from the failure of that equipment, at any time, to treat any calendar date as the correct date and/or to manipulate correctly other information or process other commands using any such date.
Rot
Any loss or damage caused by wet or dry rot whether or not this was caused directly or indirectly by any other risk included in this insurance.
Existing and deliberate damage
Any loss or damage which happens before this cover starts or which arises from an event before cover starts, or any loss or damage caused deliberately by you or your family.
Terrorism
Loss, damage, cost or expense of whatever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing at the same time or in any other sequence to the loss.