Tesco Bank Finest Home (Contents)

Section 2 - Contents
F Basis of settling claims
1. For any one item of Contents or part of a set or suite that is lost or damaged, We will decide to either:
a) pay the cost of replacing the item or part as new; or
b) replace the item or part as new; or
c) pay the cost of repairing the item or part; or
d) make a cash payment which will not be more than the amount it would have replaced it for using Our own suppliers.
We will not pay for the cost of replacing or repair to any undamaged items solely because they form part of a set, suite, group or collection or items of a uniform design, nature or colour.
2. We will reduce any claim payment for any item or part which is not replaced or repaired to take account of wear and tear or improvement in their condition.collapse

Section 2 - Contents

C Accidental Damage
This cover automatically applies if You have selected Contents Insurance and will appear on Your Policy schedule.
1. Accidental Damage
We will pay for accidental damage to the Contents while in Your Home
But not
a) damage to contact or corneal lenses,
b) damage to pedal cycles or Money.
c) damage caused by any paying guest or tenant or domestic pets
d) Uninsurable Risks.
e)damage by a cause listed in or specifically excluded by Paragraph A of this Section
f)damage caused during any household removal. collapse

Section 2 - Contents
F Basis of settling claims
3. The most We will pay for any one claim will be the total sum insured on Contents as shown in the schedule up to the following limits:
a) We will not pay more than the individual sum insured for any item.collapse

Section 3 - Personal Possessions
D Basis of settling claims
3. The most We will pay for any one claim will be the total sum insured on Personal Possessions shown in the schedule up to the following limits:
a) We will not pay more than the individual sum insured for any item .
b) We will not pay more than £3,000 for any one item, set or collection unless the schedule states otherwise.collapse

Section 2 - Contents
F Basis of settling claims
3. The most We will pay for any one claim will be the total sum insured on Contents as shown in the schedule up to the following limits:
d) We will not pay more than £3,000 for any one valuable unless the schedule shows otherwise.collapse

Section 2 - Contents

B Additional Cover
4 Contents at University/College
We will pay up to £5,000 of the sum insured for Contents, for loss or damage due to any cause insured under paragraph A of this section 2 to Contents temporarily removed from the home while a member of Your Family is attending college, university or boarding school.
But not loss or damage by a cause listed in or specifically excluded by Section B3 of this section or Contents taken outside the British Isles. collapse

Section 2 - Contents
F Basis of settling claims
3. The most We will pay for any one claim will be the total sum insured on Contents as shown in the schedule up to the following limits:
b) We will not pay more than £500 for Money.collapse

Section 2 - Contents

C Accidental Damage
This cover automatically applies if You have selected Contents Insurance and will appear on Your Policy schedule.
1. Accidental Damage
We will pay for accidental damage to the Contents while in Your Home
But not
a) damage to contact or corneal lenses,
b) damage to pedal cycles or Money.
c) damage caused by any paying guest or tenant or domestic pets
d) Uninsurable Risks.
e)damage by a cause listed in or specifically excluded by Paragraph A of this Section
f)damage caused during any household removal. collapse

Section 2 - Contents

B Additional Cover
8 Oil and Metered Water
We will pay for the loss of oil from the domestic heating installation and loss of metered water after accidental damage to the Buildings.collapse

Section 2 - Contents

B Additional Cover
8 Oil and Metered Water
We will pay for the loss of oil from the domestic heating installation and loss of metered water after accidental damage to the Buildings.collapse

The contents definition reads:-
Meanings of Words
Certain words in this policy and the schedule have particular meanings wherever they appear. These meanings apply to the whole policy unless otherwise stated. These words and their meanings are given below:
Contents
Household goods, Personal Possessions, satellite dishes, aerials and any other articles that belong to You, or are the responsibility of You, any member of Your Family who live with You, domestic staff who live in, or visitors
But not
a) motor vehicles (other than motorised gardening equipment) , caravans, trailers, watercraft, hovercraft or aircraft (other than hand propelled or models) and their accessories (while attached).
b) any living creature.
c) landlords fixtures and fittings.
d) securities (financial certificates such as shares and bonds) , certificates and documents except those defined as Money.
e) property more specifically insured by any other policy and .
f) property held or used for any profession, business or employment (other than Business Equipment)collapse

Section 3 - Personal Possessions
This cover automatically applies if You have selected Contents Insurance and will appear on Your Policy schedule.
B Additional cover
1 Money
We will pay for accidental loss of Money anywhere in the world in the custody or control of You or any member of Your Family.
But not
a) shortages caused by mistake.
b) any loss in value.
c) losses not reported to the police within 24 hours of being discovered.
d) loss or damage by items being confiscated or held by customs or other officials.
For any claim will not pay more than the limit shown in the schedule.
2 Credit Cards
We will pay for financial loss after an unauthorised use of Credit Cards.
But not
a) unauthorised use by any member of Your Family.
b) loss where You have not kept to the conditions the Credit Card was issued under.
c) losses not reported to the police and the credit card provider within 24 hours of being discovered.
We will not pay any more than the limit shown in the schedule.collapse

Section 6 - Home Emergency Assistance
Section 6 - The following definitions are in addition to or may replace those shown on pages 54 and 55 of the policy.
In this Section 6 only, the words below will have the following meanings
Authorised Repairer
A person, company or organisation appointed by Us to temporarily or permanently put right, repair or prevent further damage by making safe the Emergency where possible.
Beyond Economic Repair
The point at which our Authorised Repairer estimates that the cost of repairing the boiler/appliance is more than the cost of replacing the boiler/appliance.
If we decide your boiler is beyond economic repair, we will pay an amount towards the cost of a new one in accordance the scale shown below:

Age of Boiler	Amount payable
1-5 years£250
6- 10 years£100

Call Out
The sending of an authorised repairer following a request for emergency assistance, even if the request is then cancelled by you.
Electrical Supply
The permanent electrical supply system in the home supplying electrical power to internal wall sockets, switches, bulb sockets and fuse boxes which are all beyond the electricity company's supply meter
Emergency
An incident in the home occurring during the period of insurance, which if not dealt with quickly will:
a) make the home unsafe or insecure for its occupants; or
b) cause damage to the home and its contents; or
c) leave the home with a total loss of its main source of heating, lighting or hot or cold water.
Emergency Assistance
Work carried out by an authorised repairer to temporarily or permanently put right, repair or prevent further damage occurring by making safe the emergency where possible.
But not
- the permanent reinstatement of pathways and driveways needing to be removed or replaced in order to deal with the emergency.
Geographical Limits
The United Kingdom including the Isle of Wight but not Northern Ireland, the Channel Islands, the Scilly Isles, the Isle of Man or the Scottish Islands.
Home
The private home at the address shown in the schedule, together with integral or attached garages used for domestic purposes
But not
- detached garages and outbuildings
Internal Plumbing and Drainage
The domestic sanitary fittings, hot or cold water supply, storage and drainage systems for which you have responsibility and that are located within the home
Main Source of Heating
The main hot water or central heating system in your home including:
a) a domestic boiler
b) any controls forming an integral part of the boiler; and
c) the programmer, central heating pump, hot water cylinder, room thermostat and radiators
But not
a) any form of underfloor heating, solar heating system or warm air heating systems
b) any non-domestic boiler and associated system
c) any boiler with an output of over 60KW; or
d) any boiler over 10 years old
Period of Insurance
The period you are insured for, as shown in your home insurance schedule
Permanent Repair
Repairs and/or work required to resolve the damage caused to the Home by the emergency
Temporary Repair
Repairs and/or work that may resolve an emergency but may need to be replaced by a permanent repair.
Security
The external locks, doors and windows of the home
Underground External Drainage
The drainage pipes and sewers within the home, together with those underground and outside the home for which you have legal responsibility, but only as far as the junction with the mains services
But not
- cesspits, septic tanks, treatment plants and associated pipe work and equipment
You/Your/Yours
The person named as the policy holder in the schedule or any person authorised by you to be in the home at the time of the emergency.
Cover Provided
In the event of an emergency occurring in your home, we will:
a) Advise you how to protect yourself and the home immediately when you call us
b) Send an authorised repairer to your home or arrange an appointment for an authorised repairer to visit your home at a mutually agreed time.
c) Organise and pay the cost of providing emergency assistance, including call-out, labour at the home and parts up to a total of £500 per call out including VAT for the areas detailed in this Section 6
Major emergencies which could result in serious damage or danger should be immediately reported to the Public Supply Authority or the Public Emergency Services. If you ever smell gas or detect a leak, you should call Transco direct on their emergency number 0800 111999.
1 Electrical Wiring
We will pay the cost of emergency assistance necessary as the result of the failure of the permanent electrical supply in the home.
But not
Any electrical wiring that is not permanent (e.g. fairy lights) and/or is situated outside of the home (e.g. wiring to satellite dishes, aerials etc).
2 Plumbing and Drainage
We will pay the cost of emergency assistance necessary as a result of an emergency to:
a) Internal plumbing and drainage
b) Underground external drainage
But not
a) The costs of repairs to the underground water supply of the home.
b) Shared drainage facilities except within the boundary of your home
c) More than your share of the costs where the property is a flat or maisonette
d) After your home has been unoccupied for more than 60 consecutive days
3 Security
We will pay the costs of emergency assistance necessary as a result of failure of or damage to the external locks, doors and windows of your home.
But not
a) Replacement locks as a result of the theft or loss of keys to the home
b) The repair or replacement of any intruder or alarm systems
c) Damage to external glazing unless it renders the home unsafe or insecure
d) After your home has been unoccupied for more than 60 consecutive days
4 Heating
We will pay the cost of emergency assistance as a result of the failure of the main source of heating in the home
But not
a) The cost of repairing a boiler which is more than 10 years old
b) The cost of repairing a boiler with a maximum output of more than 60KW
c) Gas leaks from any pipes or gas fired appliances
d) The cost of repairing a boiler/appliance that is, in our opinion, beyond economical repair
e) The cost of replacing the central heating boiler, storage/panel heater or appliance
f) The cold water supply tank, its feed and outlet
g) Any domestic water supply from the hot water cylinder or gas appliance, to and including the taps
h) The repair or replacement of radiators (leaking radiators will be isolated)
i) Clearing airlocks or bleeding radiators
j) Removal of asbestos associated with repairing the appliance or system
k) After your home has been unoccupied for 60 consecutive days
General Exceptions which apply to home emergency
We will not pay for the following
1. Any loss or damage occurring prior to the start of cover
2. Any loss or damage which occurs during the first 14 days following the start of your Home Emergency cover
3. The cost of any work which is carried out prior to our approval or by anyone other than an authorised repairer
4. Any items that need replacing as a result of normal use such as replacement light bulbs and fuses in plugs
5. Any loss or damage caused by uninsurable risks
6. Any loss or damage caused by any wilful act by you or anything you do not do
7. Any loss or damage caused by fire, lightening, explosion, earthquake, flood, storm, subsidence, heave or landslip, malicious damage, theft or attempted theft (except where in relation to locks, doors and windows), structural repairs, alteration or demolition, faulty workmanship or the use of defective materials
8. Further loss or damage of any kind resulting from an emergency
9. Any loss or damage occurring outside the legal boundaries of the home, except as provided under the definition of underground external drainage
10. Any loss or damage arising from the interruption or disconnection of public services to your home, or from the main electricity, water or gas supply system not working properly or breaking down or gas leaks
11. Any system or equipment which has not been installed, maintained or repaired according to the manufacturer's instructions, or has not been used properly, or modified properly, or which is faulty as a result of a manufacturers or designers defect
12. Any loss or damage to any decoration, fixtures or fittings which are removed or replaced in the process of providing the emergency assistance
13. Replacement of the system and/or appliance in the event that spare parts or components are not available after a reasonable search of stockists
General Conditions which apply to home emergency
1. Requests for emergency assistance
You must contact us without delay whenever an emergency arises that may result in a call out.
All requests for emergency assistance must be made to the Helpline on 0845 246 0999 within 24 hours of discovering the emergency and not direct to a repairer.
1.Prevention of loss
You must take all reasonable steps to prevent loss, damage or breakdown and to maintain the home, its systems and appliances in good repair.
2. Spare or replacement parts
Spare or replacement parts may not be from the original manufacturer and will not necessarily be on a like-for-like replacement. We cannot be held responsible for delay in supplying spare or replacement parts
3. Availability
Home Emergency is only available to domestic homeowners with no more than 7 bedrooms within the geographical limits
4. Pay on use
Should an emergency arise that is not included under home emergency cover, where possible, we can arrange for an authorised repairer to attend your home but you will be responsible for all costs involved. The use of this service does not constitute a call out.
Claims Conditions
Reporting a Claim
When You find out about the possibility of a claim under this policy, You must tell Us as soon as possible.
Loss or Damage Claims
For any loss or damage claim You must do the following:
a) at Your expense provide Us with any information and evidence We ask for including written estimates and proof of ownership or value.
b) Immediately tell the police about any loss or damage by deception, theft, attempted theft, vandalism, malicious acts, riot or civil commotion or if any property has been lost outside Your Home.
3. Liability Claims
For any liability claim You must:
i) send Us any letter, claim, writ or summons in connection with the claim or potential claim as soon as You receive it.
ii) not admit, deny, negotiate or settle a claim without Our written consent.
4. Abandonment
You cannot abandon property to Us.
5. Enforcing Your Rights
We may at Our expense and in Your name take any steps necessary to enforce Your rights against any other person either before or after We pay a claim
6 Other Insurances
If there is any other insurance covering the same loss, damage or liability We will only pay Our proportionate share.collapse

Section 2 - Contents

B Additional Cover
9 Locks on outside doors.
We will pay the reasonable cost of replacing and fitting locks to the outside doors of Your Home or to any safe or alarm system in Your Home if the keys to the locks have been lost or stolen. If You claim for this under Section 1 Buildings, You cannot also claim for the same incident under Section 2 - Contents of this policy.collapse

Section 5 - Family Legal Protection
This cover automatically applies on Your Policy and will appear on Your Policy schedule.
How to make a claim for legal expenses
- Phone Our legal advice helpline on 0845 303 0899. Please have Your Home insurance policy number available when You call.
- You must report any potential claim to the legal advice helpline as soon as possible, and always within 180 days of the date that You knew or should have known about the incident.
- We will send You a claim form to fill in and return to Us.
Legal helpline - 0845 303 0899
You can ring the helpline to discuss any private legal problem. This service is here to help, so please feel free to use it.
While You have a current policy with Us, the helpline is available 24 hours a day, seven days a week. In particular, if something You are proposing to do may result in a legal claim, You must talk to Us first.
For extra security, We may record all phone calls and keep the recording secure.
Section 5 - Definitions which apply to Family Legal Protection
In addition to the definitions at the front of the policy booklet, the following words also apply to this section and will have the meaning shown next to them.
Costs
The Solicitor's reasonable and proportionate professional fees and expenses allowed by the Civil Procedure Rules. It also covers Your opponent's costs which You are ordered to pay by a court or tribunal, and other costs We agree to in writing. The most We will pay will be £100,000 for any claim or claims arising from any one incident. This includes Your costs and Your opponent's costs.
Date of incident
Either:
- the date of the incident that has led to this claim; or
- the date of the first incident, if there are a number of incidents;
whichever is earlier.
Full enquiry
A thorough examination of all aspects of your personal tax affairs by HM Revenue & Customs.
Solicitor
Any suitably qualified person appointed to represent You under this section 5.
Territorial limits
The United Kingdom. For claims relating to 'personal injury' and 'contract dispute', the territorial limits also include the European Union, Albania, Andorra, Bosnia Herzegovina, Bulgaria, Croatia, Gibraltar, Iceland, Liechtenstein, Macedonia, Monaco, Montenegro, Norway, Romania, San Marino, Serbia, Switzerland and Turkey (west of the Bosphorus).
United Kingdom
Great Britain, the Isle of Man, the Channel Islands and Northern Ireland.
You, your
The person named as the Policyholder in the schedule and members of their Family who normally live with them.
Cover provided
We will pay the following:
1 Legal costs
We will cover Your Costs in the event of the following:
a) Personal injury - death or bodily injury to You.
b) Contract dispute - a dispute arising out of an agreement which You have for:
i) buying or hiring goods or services;
ii) selling goods; or
iii) buying or selling Your Home.
c) Property protection - a dispute arising out of You owning or living in Your Home.
d) Employment - a dispute arising out of Your employment.
e) Tax protection - a full enquiry by HM Revenue & Customs, if the enquiry resulted from Your work as an employee.
f) Inheritance dispute - a dispute over something left to You in a will.
g) Legal defence - Your work as an employee which leads to:
i) You being prosecuted in a magistrates' or crown court;
ii) civil action being taken against You for unlawful discrimination because of someone's sex, race, disability, religious belief or political opinion; or
iii) civil action being taken against You under section 13 of the Data Protection Act 1998.
h) Motoring prosecution - You being prosecuted for an offence connected with using or driving a motor vehicle.
2 Salary while You attend Jury Service
We will pay Your salary or wages for each half or whole day You attend jury service if You cannot claim them back from the court or from Your employer.
The cover provided by this section 5 only applies if:
a) the Date of Incident is within the Period of Insurance and the incident happens within the territorial limits;
b) any legal proceedings are carried out within the territorial limits by a court or other organisation which We agree to; and
c) it is always more likely than not that You will be successful with Your claim.
General exceptions which apply to Family Legal Protection cover
You are not covered for any of the following:
a) Any claim You report to Us more than 180 days after the date You knew about, or should have known about, the incident leading to the claim.
b) Costs You have paid or will have to pay before We have agreed to them.
c) Your costs in any action against another person who is insured by this policy.
d) Any claim arising out of a divorce, matrimonial dispute or proceedings, living with someone, custody of children, access to children, maintenance payments, or a maternity or paternity lawsuit.
e) Any application for a judicial review.
f) Any dispute between You, Us and TPF other than as shown in General Condition 5 on page 37.
g) Any incident or matter which begins before cover starts.
h) Any costs if You:
- stop or settle a claim, or withdraw instructions from the Solicitor, without good reason; or
- make a false claim or knowingly give Us any information which is not correct or complete.
If either of these apply, You will then have to refund any costs and expenses We have paid or agreed to pay during Your claim.
Specific Exceptions
You are not covered for any of the following:
Personal injury
a) Any illness or injury which develops gradually or is not caused by a specific or sudden accident.
b) Defending Your legal rights in claims against You.
Contract dispute
a) Any claim arising out of advice, specification, design, construction, conversion or extension on any land or relating to any buildings.
b) Any claim relating to leases, tenancies or a licence to occupy.
c) Any claim arising out of a contract You have entered into in connection with a profession, business or trade, other than as provided for under 'Employment' (see page 33).
Property protection
a) Any claim if the Date of Incident is less than 90 days after cover started.
b) Defending Your legal rights in claims against You.
c) Any building or land other than Your Home.
Employment
a) Any claim if the Date of Incident is less than 90 days after cover started.
b) Any costs relating to internal grievance procedures or disciplinary hearings.
c) Any claim started in the County Court or High Court or the equivalent courts in Scotland.
Motoring prosecution
a)Any claim involving You driving a motor vehicle for which You do not have valid motor insurance.
b)Parking offences.
General conditions which apply to Family Legal Protection cover
If You do not keep to the following conditions, We may cancel this cover, refuse any claim and withdraw from any current claim.
1 You must do the following:
a) Let Us have full details of Your claim and any other information that We or the Solicitor ask for. (You must pay any costs involved in providing this information).
b) Fully co-operate with the Solicitor and Us, and not do anything which might damage Your claim. If We ask, You must tell the Solicitor to give Us any documents, information or advice that they have or know about.
c) Tell Us about any developments affecting Your claim.
d) Tell Us if the Solicitor refuses to continue to act for You or if You withdraw Your instructions.
e) Tell Us if anyone makes a payment into court or offers to settle Your claim.
f) Try to get back any Costs that We have to make, and pay any recovered cost to Us.
g) Get Our agreement before You negotiate or settle a claim.
2 Appointing a Solicitor.
a) We have chosen a panel of legal firms to provide legal services. These firms may make payments to Us for being members of the panel. While You are responsible for any legal Costs they charge, Your policy will cover them as long as You keep to the policy conditions.
b) If We accept Your claim, We or a Solicitor appointed by Us will try to settle the matter without having to go to court.
a) If it is necessary to take Your claim to court, or if there is a conflict of interests, You can choose the Solicitor to act for You. Otherwise, We will appoint a Solicitor for You.
b) The Solicitor will be appointed by You or by Us to act for You according to Our standard terms of appointment. (You can ask Us for a copy).
c) You must not enter into any agreement relating to charges with the Solicitor without getting Our permission first.
d) If a Solicitor refuses to continue acting for You with good reason, or if You dismiss them without good reason, Your cover will end immediately unless We agree to appoint another Solicitor.
3 You must tell Your Solicitor to do the following:
a) Get Our written permission before instructing a barrister or an expert witness.
b) Tell Us immediately if it is no longer more likely than not that You will be successful with Your claim.
4 We can do the following:
a) Contact the Solicitor at any time, and he or she must co-operate fully with Us at all times.
b) Decide to settle Your claim by paying the amount in dispute. If Your claim is not for damages, We may decide to settle Your claim by paying You the equivalent financial value of Your claim.
c) Refuse to pay further Costs if You do not accept a reasonable offer to settle Your claim.
d) Refuse to pay further Costs if it is no longer more likely than not that You will be successful with Your claim.
5 Disputes.
You have the right to refer any disagreement between You and Us to arbitration. The arbitrator will be a solicitor, barrister or other suitably qualified person that You and We agree on. If we cannot agree, the arbitrator will be chosen by the president of the Law Society (or other similar organisation) for that part of the territorial limits whose law governs this section of the policy. We and You must keep to the arbitrator's decision. Whoever loses the arbitration will pay for all the costs and expenses of the arbitration.
You may also refer any disagreement between You and Us to the Financial Ombudsman Service, which is a service offered to You free of charge. (See page 4 for details of Our complaints procedure.)
The claims conditions which apply to the whole policy do not apply to this section.collapse