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Policy Conditions
7. Cooling-off period and cancellation
(a) 14-day cooling-off period and cancellation within the first 14 days of the policy
You may cancel your policy during a period of 14 days from the day on which you receive your policy documentation.
If you wish to do so and the insurance cover has not yet commenced, you will be entitled to a full refund of the premium paid.
Alternatively, if you wish to do so and the insurance cover has already commenced, you will be entitled to a refund of the premium paid, subject to a deduction for the time for which you have been covered, which will be calculated on a pro-rata basis for the period for which you received cover. This applies regardless of whether or not a claim has been made.
To exercise your right to cancel, please contact Swinton. If you do not exercise your right to cancel your policy, it will continue in force and you will be required to pay the premium.
(b) Cancellation by you after the 14-day cooling-off period
You may cancel this policy at any time after the 14-day cooling-off period by giving us 14 days notice in writing. If you cancel this policy, you may be entitled to a pro-rata refund of premium. Where there has been a claim, or loss which may give rise to a claim, the full annual premium may be payable to us.
Where the pro-rata premium due when you cancel this policy is more than the amount you have paid, you must pay the difference. Otherwise this policy will be cancelled from the date it is paid up to.

Section B - Contents
We will pay for
21. Personal Money and Credit Cards
(a) Theft of personal money belonging to you, from the home.
The most we will pay for any one claim is £500.
(b) Financial loss following theft from the home of credit cards belonging to you.
The most we will pay for any one claim is £500.
We will not pay for:
21. (a) Losses caused by error or omissions.
Losses not reported to the Police as soon as reasonably possible after discovery.
Loss from the home while the home is unoccupied or unfurnished.
(b) Any loss not reported to the issuing company immediately after discovery.
Liability following breach of the terms and conditions of use of credit card issuers.
Any loss due to accounting errors or omissions

Section B - Contents
We will pay for
21. Personal Money and Credit Cards
(a) Theft of personal money belonging to you, from the home.
The most we will pay for any one claim is £500.
(b) Financial loss following theft from the home of credit cards belonging to you.
The most we will pay for any one claim is £500.
We will not pay for:
21. (a) Losses caused by error or omissions.
Losses not reported to the Police as soon as reasonably possible after discovery.
Loss from the home while the home is unoccupied or unfurnished.
(b) Any loss not reported to the issuing company immediately after discovery.
Liability following breach of the terms and conditions of use of credit card issuers.
Any loss due to accounting errors or omissions

Section B - Contents
We will pay
20. Freezer Contents
Loss or damage to food in any freezer in the home caused by:
a change in temperature of the freezer;
contamination by the escape of refrigerant or refrigerant fumes.
The most we will pay for any one claim is £1000
We will not pay for
20. Loss or damage caused by the deliberate act of you or the electricity supply authority.

Section B - Contents
We will pay
20. Freezer Contents
Loss or damage to food in any freezer in the home caused by:
a change in temperature of the freezer;
contamination by the escape of refrigerant or refrigerant fumes.
The most we will pay for any one claim is £1000
We will not pay for
20. Loss or damage caused by the deliberate act of you or the electricity supply authority.

Section C: Personal Possessions
As long as the loss or damage is covered under this policy, we will decide whether to settle a claim by either repairing or replacing property. Alternatively, at our option, we will pay the cost at which we can replace the item through our network of suppliers.
- for loss of pedal cycles is £500 per cycle up to a maximum of 5 pedal cycles;

How we settle your claim
This section details how we settle claims under sections A, B and C of this policy.
The most we will pay for any one claim is the amount shown in this policy unless a more specific limit is shown on your schedule.
We will take off the excess from the amount we agree to settle your claim. The excess will apply to each separate incident. If a claim is made under more than one section of this policy, resulting from the same
incident, only one excess will be deducted.
The things which are not covered by this policy are stated:
- In the Policy Conditions which apply on pages 4 and 5.
- In the Policy Exceptions that apply on pages 5 and 6.
- In the columns entitled we will not pay for on pages 7-15.
It is important to ensure that you understand the policy conditions and policy exclusions which apply to this policy because if you do not meet these, it will affect any claim you make.
Section A: Buildings
As long as the loss or damage is covered under this policy, we will decide whether to settle a claim by either rebuilding, repairing or replacing or by making a payment in respect of the damaged part of the buildings provided that:
1. Immediately before the incident giving rise to the loss or damage:
(a) the buildings were in a good state of repair and properly maintained;
(b) the sum insured shown on your schedule was sufficient to allow for the full cost of rebuilding the buildings in a new condition similar in size, form and style.
2. The reinstatement or repair is carried out without delay.
If at the time of the loss or damage the sum insured is less than the full cost of rebuilding the buildings in a new condition, we will pay only part of the value of the claim.
If repair or rebuilding is not carried out, we will pay the amount by which the property has gone down in value as a result of the damage or the estimated cost of repair, whichever is lower?
The most we will pay in respect of each incident of loss or damage is the buildings sum insured or any other limit shown on your schedule or in the policy.
We will not pay for the cost of replacing any undamaged item or part of an item solely because it forms part of a set, suite or is one of a number of items of similar nature or design.
We will automatically reinstate the buildings sum insured following payment of a claim, provided that all replacement or repair work is completed and any recommendations we make to prevent further loss or
damage are carried out without delay.
Section B: Contents
As long as the loss or damage is covered under this policy, we will decide whether to settle a claim by either repairing or replacing property. Alternatively, at our option, we will pay the cost at which we can replace the item through our network of suppliers.
An amount for wear, tear and depreciation will be taken off:
(a) for clothing and linen;
(b) if at the time of the loss or damage the sum insured for contents is not adequate to replace the contents as new (after allowing for wear, tear and depreciation for clothing and linen).
The most we will pay is the contents sum insured or any other limit shown on your schedule or in the policy.
The most we will pay for high risk items in total and for an individual item, set or collection are the limits shown on your schedule.
We will not pay for the cost of replacing any undamaged item or part of an item solely because it forms part of a set, suite or one of a number of items of similar nature or design.
The limit will not be reduced following payment of a claim, provided that all replacement or repair work is completed and any recommendations we make to prevent further loss or damage are carried out without
delay.
Section C: Personal Possessions
As long as the loss or damage is covered under this policy, we will decide whether to settle a claim by either repairing or replacing property. Alternatively, at our option, we will pay the cost at which we can replace the item through our network of suppliers.
An amount for wear, tear and depreciation will be taken off for clothing.
The most we will pay in respect of any one claim:
- for any one item, set or pair of personal possessions is £2,500;
- for loss of personal possessions from an unattended road vehicle is £1,000;
- for loss of pedal cycles is £500 per cycle up to a maximum of 5 pedal cycles;
the sum insured shown in your schedule.
We will not pay for the cost of replacing any undamaged item or part of an item solely because it forms part of a set, suite or is one of a number of items of similar nature or design.
We will automatically reinstate the sum insured from the date of payment of any claim for any personal possessions.

Policy Conditions
You must comply with these conditions. If you do not, we may refuse to pay a claim or your cover or premium may be affected.
1. Taking Care
You must take all reasonable care to prevent or reduce any loss, destruction, damage, accidents or injury and to protect and maintain the property which is covered by this insurance.
2. Value of your contents
You must notify us immediately when the full value of your contents exceeds £50,000. If the full value of your contents exceeds this sum the cover under this policy may not apply.
The full value of your contents means the current cost as new except for clothing and linen where an appropriate allowance for wear and tear should be made.
3. Value of your buildings
You must notify us immediately when the full value of your buildings exceeds £500,000. If the full value of your buildings exceeds this sum the cover under this policy may not apply.
The full value of your buildings means the cost of rebuilding the buildings in a condition similar in size, form and style.
4. Construction
Unless described differently by an endorsement to this policy, the main building of the home must:
be built of brick, stone or concrete;
be roofed with slates, tiles, concrete or metal and no more than 30% of the total external roof area should be flat or covered with felt, concrete or metal.
5. Changes in Your Circumstances
When you arranged your insurance you told us certain facts which are recorded in the Statement of Detail.
You must tell Swinton straight away about any material change in your circumstances. For example, we need to know:
(a) of a change of address;
(b) if someone lives in the home other than you;
(c) if you are convicted of or receive a police caution for any offence other than driving offences;
(d) if the home is being used for business or professional purposes other than homeworking which is less than 30% of your working time in any year);
(e) if the home is not in a good state of repair;
(f) if any of the information provided and recorded in the
Statement of Detail has changed.
The facts and changes in circumstances which we need to be told about are those which we consider important in assessing the degree of risk which we have taken on, the scope of the insurance cover we have provided to you, the terms upon which we are prepared to cover you and the premium which we charge you.
If there are any changes in your circumstances which occur after this policy has begun, then you must tell us immediately. Upon being told of a change in circumstance, we reserve the right to:
(a) cancel your policy in accordance with Condition 7
of this policy; or
(b) charge you an additional premium with effect from the date upon which your circumstances changed; or
(c) endorse the policy with effect from the date upon which your circumstances changed with further conditions or warranties which you must comply with.
If you fail to tell us of any change in your circumstances which occurs after this policy has begun, the cover provided by this policy will automatically come to an end with immediate effect from the date of
such change in your circumstances. In such circumstances, we will not be obliged to pay for any claims arising after the date upon which your change in circumstances occurred, and we will refund you a pro
rata proportion of your premium.
6. Other Insurance
If you claim under this policy for something which is also covered by another insurance policy, we will only pay our share of the claim. You must give us full details of the other insurance policy.
7. Cooling-off period and cancellation
(a) 14-day cooling-off period and cancellation within the first 14 days of the policy
You may cancel your policy during a period of 14 days from the day on which you receive your policy documentation.
If you wish to do so and the insurance cover has not yet commenced, you will be entitled to a full refund of the premium paid.
Alternatively, if you wish to do so and the insurance cover has already commenced, you will be entitled to a refund of the premium paid, subject to a deduction for the time for which you have been covered, which will be calculated on a pro-rata basis for the period for which you received cover. This applies regardless of whether or not a claim has been made.
To exercise your right to cancel, please contact Swinton. If you do not exercise your right to cancel your policy, it will continue in force and you will be required to pay the premium.
(b) Cancellation by you after the 14-day cooling-off period
You may cancel this policy at any time after the 14-day cooling-off period by giving us 14 days notice in writing. If you cancel this policy, you may be entitled to a pro-rata refund of premium. Where there has been a claim, or loss which may give rise to a claim, the full annual premium may be payable to us.
Where the pro-rata premium due when you cancel this policy is more than the amount you have paid, you must pay the difference. Otherwise this policy will be cancelled from the date it is paid up to.
(c) Cancellation by us
We may cancel this policy by giving you 7 days notice in writing, by first class post to your last known address subject to your rights in respect of any prior accident, loss or damage. We are not obliged to give you any reasons for our decision to cancel the policy.
If we cancel this policy you will be entitled to a pro-rata refund of premium, provided that you have not made a claim under the policy or that there have not been circumstances which might give rise to a claim under the policy.
Where there has been a claim, or circumstances have arisen which might give rise to a claim, occurring on or before the date upon which the cancellation is to take effect, you will receive no refund of premium.
8. Fraud
If you or anyone acting for you makes a claim under this policy which is in any part false or exaggerated, or supports a claim with a false document or statement, we will not pay the claim and all cover under this policy will end immediately. We will be entitled to keep the premium paid.
9. Contracts (Rights of Third Parties) Act 1999 No third party will have, or be able to enforce, any term of this policy under the Contracts (Rights of Third Parties) Act 1999. This does not affect the rights or remedies available to a third party, apart from this Act.
10. Claims
When circumstances arise which might give rise to a claim under this policy, you must:
tell us as soon as reasonably possible;
tell the local Police immediately you become aware something is lost or you suspect theft, attempted theft or malicious damage, and keep a note of any reference number given to you;
take all reasonable steps to recover any property which has been lost;
send us at your expense, all the documents and information (including written estimates and proof of value or ownership) we may request from you;
immediately send us any written claim made against you and give us full details in writing of any verbal claim made against you.
You must not:
pay or offer or agree to pay any money or admit responsibility without our permission;
abandon any property to us unless you have our permission.
We will not pay any claims under this policy unless you have kept to the above conditions.
We may:
enter any building where loss or damage has happened;
take control of the remains of any property insured by this policy for which we have agreed to pay a claim and deal with them in a reasonable manner;
take over, defend or settle a claim made against you at our own expense, take legal action in your name to get back any payment we have made under this policy.
11. No Claims Discount
If you do not make a claim under this policy during the period of insurance shown in your schedule, we will allow you a discount on the premium payable for renewing the policy at the renewal date.
If you do make a claim under this policy, we will reduce any such discount at the renewal date. If you make a claim between the date when we issue the renewal documents and the renewal date, we will
reduce any such discount and reissue the renewal documents.
If you make a claim under this policy, your no claims discount may be reduced or removed at renewal.
12. Non Disclosure And Misrepresentation Information which you gave us before this policy started or for the purposes of renewing the policy (whether provided orally, electronically or in writing and whether or not contained within the Statement of Detail) must be complete and correct.
If you did not tell us of all relevant information or material facts or provided us with inaccurate information, which might have affected our decision to provide insurance cover, the level of premium, or the terms of this policy, before you took out the policy, or before renewal, then we have the right to avoid the policy. That means that we will treat the policy as if it had never existed. In those circumstances, we will
repay you any premium taken and you will have to repay us any claims paid by us since such inception or renewal.
13. Mortgagee Interest
Should there be a third party having an interest as mortgagee in the building insured by section A of this policy, that party will be shown on your schedule.