Tesco Bank Standard 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:
pay the cost of replacing the item or part as new; or
replace the item or part as new; or
pay the cost of repairing the item or part; or
make a cash payment which will not be more than the amount it would have cost Us to replace or repair the item 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 on items of clothing or for any item or part which is not replaced or repaired to take account of wear and tear or improvement in their condition.
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.
b) We will not pay more than £300 for Money.
c) We will not pay more than £500 for Credit Cards.
d) We will not pay more than £2,000 for any one valuable unless the schedule shows otherwise.
e) We will not pay more than the amount shown in the schedule for any loss of or damage to Valuables.
f) We will not pay more than the amount shown in paragraphs B1, B2, B3 and B13 of Section 2 .
On top of any other amount, We will pay the amount shown in paragraphs B6, B10 and B11 of Section 2.
4 If You claim for an item specified in Your schedule, You will need to provide proof of the item's value. To help you do this We recommend that You keep photos, instruction booklets and copies of valuations and receipts.
5 The sum insured will not be reduced after We pay a claim unless the claim relates to the total loss of any item specified in Your schedule.
6 Any claim payment for loss or damage will be reduced by the amount of any Excess shown in the schedule.
7 The premium You pay is based on the estimated cost of replacing Your Contents using information provided by You, or the actual cost of replacing Your Contents provided by You. If We decide that the sum insured shown in Your policy schedule is not enough to replace Your Contents, We may reduce any claim payment We make by the percentage amount You have underpaid because of the sum insured not being enough.collapse

Section 2 - Contents
C Accidental Damage - Optional Extra
This cover only applies if the schedule shows that ''Accidental Damage'' is included in Section 2 - Contents.
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
g)damage caused during any household removal.
h)Damage to sports or camping equipment and apparel.
i)damage to records, any kind if disc or disks, tapes, cassettes or any kind of memory card or stick.
j) the first £25 of any claim, plus the amount of any excess shown in the schedule collapse

D - Basis of Settling Claims
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 £2,000 for any one item, set or collection unless the schedule states otherwise. We will also pay any amount due under paragraphs B1 and B2 of this section 3.collapse

F - Basis of Settling Claims
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:
We will not pay more than £2,000 for any one Valuable unless the schedule shows otherwise.collapse

Section 4 - Pedal Cycles
A Loss or Damage
We will pay for
accidental loss of or damage to any pedal cycles and their accessories within the British Isles and belonging to You or any member of Your Family.
But not the following:
a) loss of or damage to:
i) tyres or accessories unless the cycle is lost or damaged at the same time.
ii) the cycle while being used for racing, pacemaking or trials, or to
iii) cycles more specifically insured by any other policy.
b) loss or damage caused by:
i)theft or deception or when the cycle is unattended and is not in a locked building or immobilised by a security device
ii) Customs or other officials confiscating or keeping hold of the cycle; or.
iii) Uninsurable Risks.
c) loss or damage by any cause mentioned in Paragraph A of Section 2 - Contents insurance collapse

Section 2 - Contents
3 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 B2 of this section or Contents taken outside the British Isles. collapse

Section 2 - Contents
5 Home Entertainment Equipment
We will pay for
accidental damage to television sets, video cassette recorders, DVD players, audio equipment, radios, Home computers, monitors, laptops, television games consoles while in Your Home.
But not
a) damage to records, any kind of disc or disks, tapes or cassettes.
b) damage caused by any paying guest or tenant.
c) Uninsurable Risks or
c) after Your Home has been Unoccupied for more than 60 days in a row. collapse

Section 2 - Contents
7 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
7 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
Business Equipment
Computers, keyboards, visual display units and printers, word processing equipment, desk top publishing units, small business's computers, fax machines, photocopiers, typewriters, computer aided design equipment and telephone equipment used to conduct business at your home worth up to £5,000 in total.collapse

Section 2 - Contents
8 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 stolen.collapse

Section 5- Family Legal Protection (optional extra)
This cover only applies if it is shown on Your schedule. This section covers legal expenses.
How to make a claim for legal expenses
· Phone Our legal advice helpline on XXXX XXX XXXX. 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 - XXXX XXX XXXX
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 3 - Other Definitions which apply to Family Legal Protection
In this section the words below 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 Your family.
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 Tesco Personal Finance other than as shown in General Condition 5 on page XXX.

g)

h)Any incident or matter which begins before cover starts.
i)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 XXX).
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)Defending Your legal rights
c)Any costs relating to internal grievance procedures or disciplinary hearings.
d)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.
a)Tell Us about any developments affecting Your claim.
b)Tell Us if the Solicitor refuses to continue to act for You or if You withdraw Your instructions.
c)Tell Us if anyone makes a payment into court or offers to settle Your claim.
d)Try to get back any Costs that We have to make, and pay any recovered Costs to Us.
e)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 XXX for details of Our complaints procedure.)
The claims conditions which apply to the whole policy do not apply to this section.collapse