Legal & General Home Insurance Choices - FTB

Contents

No claims discount
If you do not make a claim under Section 1 Buildings, Section 2 Contents or Section 3 Personal Possessions of this policy, your next renewal premium will reflect the no claims discount indicated in the following table, according to your continuous claim-free period of insurance.
Continuous claim-free period of insurance   No claims discount
 1 year        10%
 2 years        15%
 3 years        20%
 4 years or more       25%

If you make one claim during a period of insurance, your no claims discount at the next renewal will be reduced as follows:
Current no claims discount   No claims discount at next renewal
 10%      Nil
 15%      Nil
 20%      10%
 25%      15%

If you make two or more claims during a period of insurance, your no claims discount at the next renewal will be reduced to nil.
NB: Where a claim or claims are made under Section 1 Buildings, only the no claims discount for that section will be affected. Where a claim or claims are made under Section 2 Contents and Section 3 Personal Possessions is also insured, the no claims discount for both those sections will be affected. Similarly, a claim or claims against Section 3 Personal Possessions will also affect the no claims discount for Section 2 Contents.

Introduction
If you change your mind
If you decide that you do not want this policy, we will refund any premium already paid for the unexpired period of cover, provided that you notify us no later than 14 days after the start date of your cover, or after you receive your policy, whichever is later.
At renewal, if you decide you no longer want this policy after you have paid the renewal premium, we will refund any premium already paid for the unexpired period of cover, provided that you notify us no later than 14 days after the renewal date.
See also General Condition 3 in this policy which explains what happens if you decide to cancel the policy more than 14 days after its start or renewal.

Provided your home has no more than five bedrooms, you can choose from the following levels of contents cover to suit your needs.
First-Time Buyer option* £25,000 (only available if you are a first-time property buyer)
* First-Time Buyer option:
This limit will increase by £5,000 at each renewal until it reaches our basic Standard option level of £40,000.

Section 2 - Contents and Occupiers' Liability
Claims settlement under Part 1 (Contents)
If the contents are stolen or damaged as a result of any of the causes insured under this policy:
1. We will at our option:
i) replace as new, or
ii) pay the cost to us of replacing as new, or
iii) repair, or
iv) pay the cost to us to repair
any item of contents (except for clothing more than two years old).
2. We will make a deduction for wear and tear from the cost to us of replacement or repair if clothing more than two years old is stolen or damaged.

Section 3 - Personal Possessions in and away from the home
Claims settlement under Section 3
3. The maximum amount we will pay in respect of any one claim
i) for Item 1 is the sum insured recorded on your schedule (subject to inflation protection). The maximum amount we will pay for any one article is £1,500
VERY IMPORTANT NOTICE
The value of some of your personal possessions, particularly jewellery and other valuables, is likely to fluctuate considerably. We strongly recommend that you review the value of these items regularly and seek professional advice if necessary. Please notify us of any changes you require. Individual articles valued at, near to or over £1,500 should be specified separately.

Section 2 - Contents and occupiers liability
Claims Settlement under Part 1
If the contents are stolen or damaged as a result of any of the causes insured under this policy:
1. We will at our option:
i) replace as new, or
ii) pay the cost to us of replacing as new, or
iii) repair, or
iv) pay the cost to us to repair any item of contents (except for clothing more than two years old).
2. We will make a deduction for wear and tear from the cost to us of replacement or repair if clothing more than two years old is stolen or damaged.
3. The maximum amount we will pay in respect of any one claim is:
i) Contents
the sum recorded on the policy schedule
ii) High risk property a) in total, the sum recorded against the high risk property total limit on the policy schedule
b) for a single article, pair or set, the sum recorded against the high risk property single article limit on the policy schedule
iii) Business equipment a) in total, the sum recorded against the business equipment total limit on the policy schedule
b) for a single article, pair or set, the sum recorded against the business equipment single article limit on the policy schedule
iv) Pedal cycles in the home £500 for any one cycle
v) Money in the home £500
vi) Alternative accommodation (see paragraph A) the sum recorded against the alternative accommodation limit on the policy schedule. Rent and other costs and expenses which you would have paid but
for the damage will be deducted from any payment made
vii) Your liability as a tenant (see paragraph C)
10% of the sum insured recorded against contents on the policy schedule
viii) Contents temporarily removed from your home (see paragraph D) 15% of the sum insured recorded against contents on the policy schedule
ix) Contents in the open (see paragraph E) the sum recorded against the contents in the open limit on the policy schedule
x) For loss or damage caused by theft or attempted theft of contents in any garage and domestic outbuilding the sum recorded against the contents in garages and domestic outbuildings limit on the policy schedule
xi) Theft of keys (see paragraph F) £500
xii) Personal assault (see paragraph G)
a) £5,000 for death
b) £100 for theft of money
xiii) Freezer contents (see paragraph H) the sum recorded against the freezer contents limit on the policy schedule
xiv) Credit cards (see paragraph I) £5,000
xv) Oil or metered water (see paragraph J) £1,000
xvi) Jury service (see paragraph K)
a) £50 per day
b) £2,000 in total
xvii) Special events (see paragraph L) 10% of the sum insured recorded against contents on the policy schedule
xviii) New purchases (see paragraph M) £2,500
xix) Reinstatement of documents (see paragraph N) £500
xx) External satellite broadcast receiving equipment 5% of the sum insured recorded against contents on the policy schedule
The sum insured will not be reduced following payment of a claim provided that all damage is made good without delay and any reasonable recommendations we make to prevent further loss or damage being carried out without delay.

Section 2 - Contents and Occupiers' Liability
This section only applies if shown on your schedule.
See also the general exceptions and conditions on pages 46 to 49.

Part 1 - Contents
We also provide cover for:
I. Credit cards
We will pay for loss from fraudulent use of your credit cards by unauthorised persons
We will not pay for:
- Loss unless you have complied with all the terms and conditions under which your credit cards are issued.

Section 2 - Contents and Occupiers' Liability
This section only applies if shown on your schedule.
See also the general exceptions and conditions on pages 46 to 49.

Part 1 - Contents
We also provide cover for:
H. Freezer contents
We will pay for food in a freezer cabinet or freezer compartment of a refrigerator at your home made unfit for human consumption due to:
i) a rise or fall in temperature
ii) contamination by refrigerant or refrigerant fumes
We will also pay for the reasonable cost of hiring temporary alternative freezer space if the freezer cabinet or the freezer compartment of the refrigerator in which the food is kept fails
We will not pay for:
- Loss of or damage to food if the freezer cabinet or refrigerator is more than 15 years old
- Loss of or damage to food held or used for business purposes
- Loss or damage due to the power supply authority deliberately cutting or reducing the supply to your home.

Section 2 - Contents and Occupiers' Liability
This section only applies if shown on your schedule.
See also the general exceptions and conditions on pages 46 to 49.

Part 1 - Contents
We also provide cover for:
H. Freezer contents
We will pay for food in a freezer cabinet or freezer compartment of a refrigerator at your home made unfit for human consumption due to:
i) a rise or fall in temperature
ii) contamination by refrigerant or refrigerant fumes
We will also pay for the reasonable cost of hiring temporary alternative freezer space if the freezer cabinet or the freezer compartment of the refrigerator in which the food is kept fails
We will not pay for:
- Loss of or damage to food if the freezer cabinet or refrigerator is more than 15 years old
- Loss of or damage to food held or used for business purposes
- Loss or damage due to the power supply authority deliberately cutting or reducing the supply to your home.

Customer helplines
The following customer helplines are available to you as a Legal & General policyholder.
You may use these 24 hours a day, 365 days a year, except for the tax helpline which is available between 9am and 5pm Monday to Friday (other than public holidays).

Legal and tax advice
Expert advice on any personal legal or tax problem directly affecting you. The helpline does not provide advice in relation to your business, trade or profession.
The advice available from the helpline is limited to the law and practice of Great Britain, Northern Ireland, and the Isle of Man and the Channel Islands, except the tax helpline, which is limited to the law and practice of Great Britain and Northern Ireland.
If we consider it appropriate, the advice given will be confirmed in writing.
The helpline is free of charge to you other than the cost of the phone call.
Certain legal costs and expenses may be covered by your policy under Section 4 - Family Legal Protection if this section has been chosen.
If you need advice phone:
0870 523 4511 (English Law)
or
0141 332 2887 (Scottish Law)
Calls to the English Law helpline are charged at the national rate. For your protection, calls may be recorded and monitored.

Domestic emergency
Help is at hand in times of emergency. For example, floods, roof damage, blocked drains, electrical faults, burst pipes and many other far too common domestic crises.
Simply call the helpline and we will locate the nearest suitable tradesman and return your call to confirm a call out time and provide an indication of cost.
You will be responsible for the tradesman's fees, but if the damage is covered by your policy you may submit a claim in the usual way.
If you need assistance phone: 0800 408 9103
Calls are charged at the national rate. For your protection, calls may be recorded and monitored.

Customer helplines
The following customer helplines are available to you as a Legal & General policyholder.
You may use these 24 hours a day, 365 days a year, except for the tax helpline which is available between 9am and 5pm Monday to Friday (other than public holidays).

Legal and tax advice
Expert advice on any personal legal or tax problem directly affecting you. The helpline does not provide advice in relation to your business, trade or profession.
The advice available from the helpline is limited to the law and practice of Great Britain, Northern Ireland, and the Isle of Man and the Channel Islands, except the tax helpline, which is limited to the law and practice of Great Britain and Northern Ireland.
If we consider it appropriate, the advice given will be confirmed in writing.
The helpline is free of charge to you other than the cost of the phone call.
Certain legal costs and expenses may be covered by your policy under Section 4 - Family Legal Protection if this section has been chosen.
If you need advice phone:
0870 523 4511 (English Law)
or
0141 332 2887 (Scottish Law)
Calls to the English Law helpline are charged at the national rate. For your protection, calls may be recorded and monitored.

Domestic emergency
Help is at hand in times of emergency. For example, floods, roof damage, blocked drains, electrical faults, burst pipes and many other far too common domestic crises.
Simply call the helpline and we will locate the nearest suitable tradesman and return your call to confirm a call out time and provide an indication of cost.
You will be responsible for the tradesman's fees, but if the damage is covered by your policy you may submit a claim in the usual way.
If you need assistance phone: 0800 408 9103
Calls are charged at the national rate. For your protection, calls may be recorded and monitored.

Section 1 - Buildings, property owners liability and home emergency cover
Claims Settlement under Part 1
If the buildings are damaged as a result of any of the causes insured under this policy:
1. We will pay the cost to us of any necessary replacement or repair work carried out provided that immediately prior to the incident giving rise to the damage the buildings are in good repair.
2. We will either make a deduction for wear and tear from the cost to us of any necessary replacement or repair work or at our option pay the reduction in market value resulting from the damage, where:
i) replacement or repair is not carried out, or
ii) immediately prior to the incident giving rise to the damage the buildings are not in good repair.
3. The maximum amount we will pay in respect of any one claim:
i) is the sum insured recorded on your schedule, and
ii) for loss of rent and alternative accommodation is the sum recorded against the loss of rent and alternative accommodation limit on your schedule, and
iii) for tracing and accessing leaks is £5,000.
The sum insured will not be reduced following payment of a claim provided that all replacement or repair work is completed and any reasonable recommendations we make to prevent further damage are carried out without delay.
Part 2 Property owners liability to third parties
Claims settlement under Part 2
The maximum amount we will pay is £2,000,000 in respect of any one claim or number of claims arising out of any one accident.
We will also pay all legal costs and expenses which you have to pay, provided they are incurred with our written consent.
If you die we will indemnify your personal representatives against any liability incurred by you and insured by this policy.
Part 3 Home emergency cover
Claims settlement under Part 3
The maximum amount we will pay for call-out labour and parts or materials arranged by us arising from any one incident is £150 (including VAT).
The maximum amount we will pay for call-out labour and parts or materials not arranged by us arising from any one incident is £50 (including VAT).
Section 2 - Contents and occupiers liability
Claims Settlement under Part 1
If the contents are stolen or damaged as a result of any of the causes insured under this policy:
1. We will at our option:
i) replace as new, or
ii) pay the cost to us of replacing as new, or
iii) repair, or
iv) pay the cost to us to repair any item of contents (except for clothing more than two years old).
2. We will make a deduction for wear and tear from the cost to us of replacement or repair if clothing more than two years old is stolen or damaged.
3. The maximum amount we will pay in respect of any one claim is:
i) Contents
the sum recorded on the policy schedule
ii) High risk property a) in total, the sum recorded against the high risk property total limit on the policy schedule
b) for a single article, pair or set, the sum recorded against the high risk property single article limit on the policy schedule
iii) Business equipment a) in total, the sum recorded against the business equipment total limit on the policy schedule
b) for a single article, pair or set, the sum recorded against the business equipment single article limit on the policy schedule
iv) Pedal cycles in the home £500 for any one cycle
v) Money in the home £500
vi) Alternative accommodation (see paragraph A) the sum recorded against the alternative accommodation limit on the policy schedule. Rent and other costs and expenses which you would have paid but
for the damage will be deducted from any payment made
vii) Your liability as a tenant (see paragraph C)
10% of the sum insured recorded against contents on the policy schedule
viii) Contents temporarily removed from your home (see paragraph D) 15% of the sum insured recorded against contents on the policy schedule
ix) Contents in the open (see paragraph E) the sum recorded against the contents in the open limit on the policy schedule
x) For loss or damage caused by theft or attempted theft of contents in any garage and domestic outbuilding the sum recorded against the contents in garages and domestic outbuildings limit on the policy schedule
xi) Theft of keys (see paragraph F) £500
xii) Personal assault (see paragraph G)
a) £5,000 for death
b) £100 for theft of money
xiii) Freezer contents (see paragraph H) the sum recorded against the freezer contents limit on the policy schedule
xiv) Credit cards (see paragraph I) £5,000
xv) Oil or metered water (see paragraph J) £1,000
xvi) Jury service (see paragraph K)
a) £50 per day
b) £2,000 in total
xvii) Special events (see paragraph L) 10% of the sum insured recorded against contents on the policy schedule
xviii) New purchases (see paragraph M) £2,500
xix) Reinstatement of documents (see paragraph N) £500
xx) External satellite broadcast receiving equipment 5% of the sum insured recorded against contents on the policy schedule
The sum insured will not be reduced following payment of a claim provided that all damage is made good without delay and any reasonable recommendations we make to prevent further loss or damage being carried out without delay.

Part 2 Occupiers Liability to Third Parties
Claims settlement under Part 2
The maximum amount we will pay is £2,000,000 in respect of any one claim or number of claims arising out of any one accident.
We will also pay all legal costs and expenses which you have to pay provided they are incurred with our written consent.
If the accident involves injury (including disease and illness) to a person working for you under a contract of service or apprenticeship and the injury arises out of and in the course of such service or apprenticeship
a) the maximum amount we will pay is £5,000,000 in respect of any one claim or number of claims arising out of any one accident
b) the maximum amount we will pay is inclusive of claimant's costs and expenses and all other costs and expenses incurred with our written consent.
If you die we will indemnify your personal representatives against liability incurred by you and insured by this policy.
Section 3 - Personal possessions in and away from the home
Claims settlement under Section 3
1. We will at our option
i) replace as new, or
ii) pay the cost to us to replace as new, or
iii) repair, or
iv) pay the cost to us to repair any article insured under Items, 1, 3 or 4 of this section without deduction for wear and tear. For clothing more than two years old insured under Item 1 a deduction will be made for wear and tear.
2. For loss of money we will pay the amount of the loss.
3. The maximum amount we will pay in respect of any one claim
i) for Item 1 is the sum insured recorded on your schedule (subject to inflation protection). The maximum amount we will pay for any one article is £1,500
ii) for Item 2 is the sum insured recorded on your schedule
iii) for Item 3 is the sum insured recorded on your schedule (subject to inflation protection). The maximum amount we will pay for any one pedal cycle is the sum recorded on your schedule
iv) for Item 4 is the sum insured recorded against the article on your schedule (subject to inflation protection)
v) for Items 1, 2, 3 and 4 is £2,000 in the aggregate in respect of loss from any unattended vehicle.
vi) New purchases £2,500

General Conditions applying to this policy
1. Payment by instalment
Where reference is made to the payment of premium such reference includes your having agreed to pay under an instalment plan. If we have agreed to accept the first premium or any subsequent premium by instalment, the policy remains an annual contract and if any premium instalment is not received on or before its due date, then all unpaid premium instalments and credit charge become immediately due. Should the full premium and credit charge not be paid within 10 days of our giving written notice of non-payment, the policy will be cancelled immediately upon expiry of such notice.
Following such cancellation we will, unless a claim has already been made during the current period of insurance, refund any balance of premium paid after deduction of an appropriate charge for the insurance provided to the date of cancellation.
2. What to do to renew your policy
We will continue at our discretion to renew your policy. Prior to each renewal, we will send you a renewal notice setting out any new conditions and the premium for the year ahead. If you have already given your consent for us to collect premiums, your payment will continue to be taken from your designated account unless you instruct us otherwise.
3. Written cancellation
We may cancel this policy by sending seven days' notice in writing by recorded delivery letter to you at your last known address and refunding any premium already paid for the unexpired period of cover, subject to your rights in respect of any prior accident loss or damage.
You may cancel this policy by sending us seven days' notice in writing. Provided that you have not made a claim during the current period of insurance you will be entitled to a refund of any premium already paid for the unexpired period of cover.

General Conditions applying to Sections 1-5 of this policy and Payment Protection
4. Fraud
You must not act in a fraudulent manner.
If any claim made is in any respect fraudulent, or if any fraudulent means or device is used by you or anyone acting on your behalf to obtain payment under this policy, then all benefit under this policy will be forfeit and we will:
i) not pay the claim
ii) not pay any other claim which has or will be made under this policy
iii) cancel cover without any return premium
iv) be entitled to recover the amount of any claim already paid during the current period of insurance
v) inform the police.
5. Compliance with terms
Our liability to make payment under the policy will be conditional upon the compliance with the terms and conditions of this policy.
6. Other insurance
If any loss, damage or liability arising under this policy is also covered or covered in part by any other insurance, we will be liable only for our rateable proportion of such loss, damage or liability.

General Conditions applying to Sections 1-3 and 5 of this policy
7. Your duty to prevent loss or damage
You must maintain the buildings in a sound condition and in good repair.
You must take all reasonable steps to safeguard any buildings, contents or property against loss or damage and to prevent accidents. In the event of loss or damage occurring, you must take all reasonable steps to prevent further loss or damage to your property.
8. Changes in risk
You must give us written notice as soon as reasonably possible of any change in circumstances that may increase the possibility of loss, damage or injury. (Examples of such circumstances are contained on page 2 of this policy booklet. These examples are an indication and are not exhaustive.)
9. Your obligations following a claim
In the event of a claim or possible claim under this policy you must not negotiate, admit liability or make any offer or promise or payment without our written consent. Additionally, you must:
i) inform the police as soon as is reasonably possible if the loss or damage is caused by theft or attempted theft, riot, civil commotion, strikes, labour disturbances, malicious acts, vandalism or loss of property
ii) notify us as soon as reasonably possible giving full particulars of the occurrence
iii) give us written notice as soon as possible, but no later than seven days, after you have knowledge of any pending prosecution, inquest or fatal inquiry in connection with any occurrence for which there may be liability under this policy
iv) send us, as soon as reasonably possible, every relevant letter, claim, writ, summons or process.
We will refund your reasonable costs
v) as soon as reasonably possible after the injury, loss or damage, deliver a written claim to us with such detailed particulars and proofs, certificates or other documents as we may reasonably require. In the event of the claim being met under the terms of this policy, we will refund your reasonable costs
vi) give all such information and assistance as we may reasonably require.
10. Our rights following a claim
In the event of a claim or possible claim under this policy, we will be entitled at our discretion to:
i) repair, reinstate or replace the property lost, damaged or stolen or pay the cost to us of repair, reinstatement or replacement. Wherever possible we will arrange repair or reinstatement through our nominated repairer and replacement networks
ii) in an emergency enter the buildings where the loss or damage has occurred and for the purpose of safeguarding the insured property against further loss or damage, take and keep possession of the property insured and deal with the salvage in a reasonable manner. No property may be abandoned to us
iii) exercise sole control at our cost over dealings with any third party claim and associated legal proceedings relevant to it. We shall keep you informed of all developments
iv) pursue in your name, but for our benefit and at our cost, any claims for damages or indemnity.

General Exceptions applying to this policy
We will not pay for:
1. Radioactive contamination
Any loss of or damage to property, consequential loss or legal liability directly or indirectly arising from
i) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel
ii) the radioactive, toxic, explosive, or other hazardous properties of any explosive nuclear assembly or nuclear component.
2. Pollution and contamination
Any loss, damage or liability arising from pollution or contamination unless caused by
i) a sudden and unforeseen and identifiable accident, or
ii) leakage of oil from a domestic oil installation at your home.
3. Gradually operating cause
Any loss, damage or liability arising from a gradually operating cause.
4. War risks
Any consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
5. Confiscation
Loss of or damage to any property due to its confiscation, requisition or destruction by order of any government, public or local authority.

General Exceptions applying to Sections 1-3 and 5 of this policy
6. Existing damage
Any loss, damage, injury or accident occurring before cover commences.
7. Sonic bangs
Loss or damage directly caused by pressure waves from aircraft or other aerial device travelling at sonic or supersonic speeds.
8. Wilful acts
Loss or damage caused by your own wilful act or the wilful act of any other person
permanently residing at the home.
9. Matching of items
The costs of replacing any undamaged or unbroken item or parts of items forming part of a set, suite or other article of uniform nature, colour or design when damage or breakage occurs within a clearly identifiable area or to a specific part and replacements cannot be matched.
10. Loss of value and depreciation
Loss of value and depreciation resulting from the repair or replacement of lost or damaged property.
11. Consequential loss
Consequential loss of any nature.