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Your Insurance Policy
Your policy provides cover for the sections and the period of insurance shown in your schedule.
This policy is an agreement between you (the person shown in your schedule as the insured) and us (Zurich Insurance Company). It is based on the information you gave in a proposal form or a statement of facts and your agreement to pay the premium.
Remember, you must tell us if this information changes. If you do not, your policy may not be valid and we may not pay any claims you make.
You must read this policy together with your schedule and any specifications or endorsements as one contract. Please read all of them to make sure that they provide the cover you asked for. If they do not, please contact us as soon as possible.
Cancellation Rights
If you decide that you do not want to accept the
policy (or any future renewal of the policy by us)
tell us (or UK Insurance.Net) of your decision,
in writing or by phone using the contact details
provided on the covering letter within 14 days
of receiving the policy (or for renewal, within 14
days of your policy renewal date). If no claims
have been made we will refund the premium
you have paid. If a claim is made we charge you
for the days we have been on cover (applying
a minimum premium of £15 plus insurance
premium tax) and then refund the remainder of
the premium you have paid.
The conditions and exclusions that apply to all sections of your policy are shown on pages 12 & 13. Please make sure that you read these as well as the cover shown in each section.
Definitions
Certain words have specific meanings when they appear in this policy. These meanings are shown below or in the section where they apply. They are printed in bold type.
Domestic employee - domestic staff, cleaner, gardener, caretaker, or any occasional employee undertaking repairs or decorations in connection with the buildings covered by this policy, employed by you.
Excess - the first amount of any claim for which you are responsible.
Garden - the flowerbeds, lawns, plants, shrubs or trees, ornaments or statues in the garden within the boundaries of the buildings.
Private residence - let domestic property consisting of individual:
• houses
• bungalows
• maisonettes
• purpose built flats or apartment blocks where the total buildings sum insured does not exceed £250,000
unless otherwise agreed by us in writing.
Unoccupied/Unoccupancy - if the home is either:
• not permanently lived in by you, a tenant, or
a person you have authorised; or
• without enough furniture for normal living purposes
Vehicles and craft - any electrically- or mechanically-powered vehicles, caravans, trailers, watercraft including surfboards, hovercraft, aircraft, all-terrain vehicles or quad bikes (but not domestic gardening equipment, battery-operated golf trolleys or wheelchairs, battery- or pedestrian-operated models or toys).
Section 1 - Buildings
Buildings are:
• the main structure of the risk address shown in your schedule, including its permanent fixtures and fittings and fitted carpets unless insured under Landlords’ Business Contents if they are your property;
• domestic outbuildings, private garages, including garages on nearby sites that form part of the risk address shown on the schedule;
• ornamental ponds or fountains, swimming pools and tennis courts;
• central-heating fuel tanks, cesspits and septic tanks; fences, gates, hedges, lampposts, railings and walls; drives, paths, patios and terraces;
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but not satellite television-receiving equipment or television and radio aerials.
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A - The Perils Covered
The Buildings are insured against loss or damage caused by the following:
1 Fire, Explosion, Lightning, Earthquake or Smoke
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What you are not insured for Excess as stated in the Schedule.
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2 Riot, Civil Commotion, Violent Disorder, Strikes, Labour Disturbances, Malicious Persons or Vandals
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What you are not insured for
• Excess as stated in the Schedule.
• Loss or damage when the Home is Unoccupied for more than 90 consecutive days. (See Unoccupancy Conditions on Page 12)
• The first £2,500, in total of loss or damage occasioned by the tenant or others lawfully on, in or about the premises.
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3 Aircraft, other aerial devices and anything falling from them
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What you are not insured for Excess as stated in the Schedule.
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4 Storm or flood
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What you are not insured for
• Excess as stated in the Schedule.
• Loss or damage caused by frost.
• Loss or damage to gates, fences, hedges and railings.
• Loss or damage caused only by a change in the water table.
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5 Subsidence or Heave of the site on which the Buildings stand, or Landslip
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What you are not insured for
• The first £1,000 of each claim
• Loss or damage from the coast or a river bank being worn away.
• When the main structure of the risk address shown in the schedule, private garages or domestic outbuildings are not damaged.
• Loss or damage to the solid floor slabs, unless the foundations of the load-bearing walls are damaged at the same time by the same cause.
• From settlement, shrinkage or expansion, demolition, faulty workmanship or faulty design.
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6 Escape of water from the domestic fixed watersystem, heating installation, dishwasher, washing machines or water mains
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What you are not insured for
• Excess as stated in the Schedule.
• Loss or damage when the risk address shown in the schedule is Unoccupied for more than 90 consecutive days. (See Unoccupancy Conditions 7 on Page 12).
• Loss or damage to the system or apparatus from which the water has escaped.
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7 Theft or attempted theft
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What you are not insured for
• Excess as stated in the Schedule.
• Loss or damage when the risk address shown in the schedule is Unoccupied for more than 90 consecutive days. (See Unoccupancy Conditions on Page 12).
• The first £2,500, in total of loss or damage occasioned by the tenant or others lawfully on, in or about the premises.
• Loss if caused by deception.
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8 Collision by vehicles or animals
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What you are not insured for
• Excess as stated in the Schedule.
• Loss or damage caused by domestic pets or animals.
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9 Falling receiving aerials, satellite dishes, their fittings or masts
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What you are not insured for
• Excess as stated in the Schedule.
• Loss or damage to the aerial fitting, mast or dish.
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10 Escape of oil from any fixed domestic heating installation
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What you are not insured for
• Excess as stated in the Schedule.
• Loss or damage when the risk address shown in the schedule is Unoccupied for more than 90 consecutive days. (See Unoccupancy Conditions on Page 12).
• Loss or damage to the apparatus from which the oil has escaped.
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11 Falling trees or branches
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What you are not insured for
• Excess as stated in the Schedule.
• Damage to gates or fences, hedges and railings.
• Damage caused by felling, lopping or topping.
• The cost of removal if the fallen tree has not damaged the insured property.
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12 Accidental Damage (this is an optional extension, and the cover only applies when confirmed on the Schedule)
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What you are not insured for
• Excess as stated in the Schedule.
• The costs of maintenance or normal redecoration.
• Loss or damage due to settlement, shrinkage or expansion.
• Loss or damage caused by wear and tear, depreciation, rot, fungus, mildew, insects, vermin, domestic pets, damp, rust, corrosion, atmospheric or climatic conditions, frost, scratching or denting, the effect of light or any other gradually operating cause.
• Loss or damage due to faulty workmanship, defective design or the use of defective materials.
• Loss or damage caused by a person you employ to carry out maintenance or repair work.
• Loss or damage specifically excluded elsewhere under Section 1 Buildings.
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B - Additional Cover
1 Underground Services
Accidental Damage to underground services supplying the Buildings for which the Insured is responsible.
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What you are not insured for
Excess as stated in the Schedule.
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2 Glass
Accidental Damage to fixed glass in the walls, doors and roofs including double glazing, sanitary fixtures and fittings, and fixed ceramic hobs in the Buildings.
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What you are not insured for
• Excess as stated in the Schedule.
• Loss or damage when the risk address shown in the schedule is Unoccupied for more than 90 consecutive days. (See Unoccupancy Conditions on Page 12).
• Loss or damage to tiles.
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3 Water and Heating Installations
Damage to any fixed domestic water or heating installation caused by freezing.
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What you are not insured for
• Excess as stated in the Schedule.
• Loss or damage when the risk address shown in the schedule is Unoccupied for more than 90 consecutive days. (See Unoccupancy Conditions on Page 12).
• Loss or damage resulting from rusting, corrosion or general wear and tear.
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4 Loss of Rent and Alternative Accommodation
Loss of rent receivable or payable including up to 2 years' ground rent or reasonable additional expenses of comparable alternative accommodation if the risk address shown in the schedule is rendered uninhabitable as a result of damage insured by this Section but only for the period necessary and reasonable for reinstatement.
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What you are not insured for
• Any amount in excess of 20% of the Sum Insured on the Buildings.
• Alternative accommodation costs, ground rent or rent payable to you relating to any portion of the buildings not used solely as domestic accommodation.
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5 Replacement of Locks and Keys
The cost of replacing Keys and Locks to any external door following the theft of their Keys.
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What you are not insured for
• Excess as stated in the Schedule.
• Any amount in excess of £250.
• Keys & locks of any garage, outbuilding, shop, office, store or similar pertaining to the building.
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6 Accidental Loss of Oil and Metered Water
We will pay for accidental and sudden loss of domestic heating oil and metered water.
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What you are not insured for
• Excess as stated in the Schedule.
• Any amount in excess of £500.
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7 Water Damage Tracing Costs
We will pay the cost of removing and then
repairing, replacing or reinstating any part of
the buildings when this is necessary to find
the source of a water leak from any fixed
water appliance, pipe or tank that is causing
damage to the buildings.
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What you are not insured for
• Excess as stated in the Schedule.
• Any amount in excess of £5,000.
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8 Landscaped Gardens
We will pay for loss or damage to landscaped gardens through the actions of emergency services while attending the premises to deal with an emergency included within the cover provided for this policy.
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What you are not insured for
• Excess as stated in the Schedule.
• Any amount in excess of £1000.
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9 Additional Expenses
The undernoted costs necessarily incurred in reinstatement as a result of damage insured by this Section.
a Architects', Surveyors', Engineers', and legal fees.
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What you are not insured for (a)
Expenses incurred in preparing any claim under this Policy.
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b The cost of clearing debris from the site or demolishing or shoring up or boarding up any part of the Buildings.
c Extra costs incurred in order to comply with government or local authority requirements.
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What you are not insured for (c)
Any costs for complying with requirements notified before the damage occurred.
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10 Legal Liability
We cover your legal liability:
• as owner of the buildings and their land, but not as occupier;
• resulting from you previously owning any private property under the Defective Premises Act 1972 or the Defective Premises (Northern Ireland) Order 1975; to compensate others if, following an accident during the period of insurance, someone dies, is injured, falls ill or has their property damaged.
The most we will pay for any claim (or claims) arising from one cause, including legal costs and expenses agreed by us is £2,000,000, or any higher amount shown on the schedule.
What you are not insured for
• The most we will pay for any claim (or claims) arising from one cause, including costs and legal expenses agreed by us is £2,000,000 or any higher amount shown on the schedule.
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We will not pay if the liability from:
• the death, injury or illness of you, or your domestic employees
• loss or damage to any property that you, or your domestic employees sown or are responsible for;
• a contract that says you, or your domestic employees are liable for something which you or they would not otherwise have been liable for;
• your business or profession other than as owner of the property shown in the certificate of insurance or property schedule;
• owning or using vehicles or craft
• any animal;
• you, or your domestic employees passing on any illness or virus;
• occupation or ownership of any land or building not shown in your certificate of insurance or property schedule.
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11 Your liability for accidents to domestic employees.
We cover you for any legal liability you have as owner of the property to compensate your domestic employees if, following an accident during the period of insurance, and in the course of their employment by you, any of your domestic employees dies, is injured or falls ill.
The most we will pay for any claim (or claims) arising from one cause, including legal costs and expenses agreed by us, is £10,000,000 for an accident to your domestic employees.
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We will not pay if the liability arises from:
Injury to any domestic employee when the domestic employee is:
• carried in or upon any motor vehicle
• entering or getting into or alighting from a motor vehicle in circumstances where Road Traffic legislation requires insurance or security. This will not apply to injury to any domestic employee who at the time the injury occurs is the driver of a motor vehicle or is the person in charge of the motor vehicle for the purposes of driving provided there is no other insurance covering the injury.
• tree felling or lopping
• window cleaning, painting or similar operations carried out from cradles and/or hoists.
• the provision of, erection of, dismantling of or work from scaffolding.
• demolition, erection or structural alteration of or addition to new or existing buildings.
• working at heights greater than three metres or depths greater than one metre.
• your pursuit or exercise of any trade, calling or profession other than the business of landlord.
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Special Provisions to Section 1 Buildings
1 Index linking.
We will increase your sum insured each month in line with the House Rebuilding Cost Index produced by the Royal Institution of Chartered Surveyors.
2 Automatic reinstatement of cover following a loss.
The Sum Insured on Buildings will not be reduced following payment of a claim.
3 Contracting purchaser.
If at the time of a claim you have contracted to sell your interest in the buildings, the buyer will have the benefit of this policy as long as the purchase is completed.
Special Condition to Section 1 Buildings
It is a Condition of the Insurance provided by Section 1 that the Sum Insured represents the full cost of replacement as new of the Property at the date of the loss or damage. If the property insured shall at the time of any loss or damage be of greater value than the sum insured, the policyholder shall only be entitled to recover hereunder such proportion of the said loss or damage as the sum insured bears to the total value of this said property.
Section 2 - Landlords’ Business Contents
Contents are:
• furniture;
• carpets;
• furnishings;
• household goods.
provided that they:
• belong to you or you are legally responsible for them;
• are contained in the private residence;
• are provided by you for the use of your tenant or for use in connection with the maintenance of the private residence.
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Contents are not:
• vehicles and craft and their accessories;
• deeds and documents
• documents and certificates showing ownership of shares, bonds and other financial investments;
• animals;
• any part of the structure, decorations or permanent fixtures and fittings;
• items you have more specifically insured by this or any other policy;
• tenant’s property;
• cash, cheques, postal or money orders, postage stamps, saving stamps, savings certificates or bonds, travel tickets, luncheon vouchers, phone cards, mobile phone vouchers, reward vouchers or gift tokens;
• property in the open;
• any articles of gold, silver or other precious metal, jewellery, watches, furs, pictures or other works of art collections of stamps or coins;
• clothing and articles of a strictly personal nature likely to be worn used or carried, sports equipment and bicycles.
• Mobile phones
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A - The perils covered
The Contents are insured against loss or damage whilst in the home caused by the following:
1 Fire, Explosion, Lightning, Earthquake or Smoke
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What you are not insured for
Excess as stated in the Schedule.
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2 Riot, Civil Commotion, Violent Disorder, Strikes, Labour Disturbances, Malicious Persons or Vandals
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What you are not insured for
• Excess as stated in the Schedule.
• Loss or damage when the risk address shown in the scheme is Unoccupied for more than 90 consecutive days. (See Unoccupancy Conditions on Page 12).
• The first £2,500 in total of loss or damage occasioned by the tenant or others lawfully on, in or about the premises.
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3 Aircraft, other aerial devices and anything falling from them
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What you are not insured for
Excess as stated in the Schedule.
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4 Storm or flood
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What you are not insured for
• Excess as stated in the Schedule.
• Loss or damage caused by frost.
• Loss or damage to contents in the open.
• Loss or damage caused only by a change in the water table.
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5 Subsidence or Heave of the site on which the Buildings stand, or Landslip
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What you are not insured for
Excess as stated in the Schedule.
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6 Escape of water from the fixed domestic water system,heating installation, dishwasher, washing machines or water mains
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What you are not insured for
• Excess as stated in the Schedule.
• Loss or damage when the Home is Unoccupied for more than 90 consecutive days. (See Unoccupancy Conditions on Page 12).
• Loss or damage to the system or apparatus from which the water has escaped.
• The most we will pay is £1000
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7 Theft or attempted theft
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What you are not insured for
• Excess as stated in the Schedule.
• Loss or damage when the Home is Unoccupied for more than 90 consecutive days. (See Unoccupancy Conditions on Page 12).
• The first £2,500 in total of loss or damage occasioned by the tenant or others lawfully on, in or about the premises.
• Loss of or damage to property in outbuildings or garages.
• Loss by deception unless it is only entry which is gained by deception.
• Loss of contents in the open.
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8 Collision by vehicles or animals
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What you are not insured for
• Excess as stated in the Schedule.
• Loss or damage caused by domestic pets or animals.
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9 Falling receiving aerials, satellite dishes, their fittings or masts
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What you are not insured for
Excess as stated in the Schedule.
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10 Escape of oil from any fixed domestic heating installation
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What you are not insured for
• Excess as stated in the Schedule.
• Loss of the oil itself.
• Loss or damage when the Home is Unoccupied for more than 90 consecutive days. (See Unoccupancy Conditions on Page 12).
• Loss or damage to the system or apparatus from which the oil has escaped.
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11 Falling trees or branches
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What you are not insured for
• Excess as stated in the Schedule.
• Damage caused by felling, lopping or topping.
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B - Additional cover
1 Mirrors and Glass
Accidental Damage to mirrors, glass and ceramic hobs or fixed glass in furniture and domestic appliances in the Home. Glass in television or audio equipment.
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What you are not insured for
• Excess as stated in the Schedule.
• Light fittings.
• Damage when the Home is Unoccupied for more than 90 consecutive days. (See Unoccupancy Conditions on Page 12).
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2 Domestic Appliances Damage to any domestic appliance caused by freezing.
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What you are not insured for
• Excess as stated in the Schedule.
• Loss or damage when the Home is Unoccupied for more than 90 consecutive days. (See Unoccupancy Conditions on Page 12).
• Loss or damage resulting from rusting, corrosion or general wear and tear.
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3 Loss of Heating Oil
Accidental sudden loss of or damage to heating oil contained in the heating installation, its tank, pipework or fittings on the site on which the Buildings stand.
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What you are not insured for
• Excess as stated in the Schedule.
• Loss due to any alleged shortfall in delivery or supply.
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C - Optional cover - Landlord’s Business Contents Gold
This cover only applies if contents gold cover is shown on the policy schedule
1 Accidental Damage
Accidental damage to:
• audio, hi-fi, television, telecommunication or video equipment but not mobile phones;
• satellite television-receiving equipment or television and radio aerials.
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What you are not insured for
• contents over 5 years old
• Excess as stated in the Schedule.
• loss or damage to equipment designed to be portable when being transported or moved.
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2 Accidental Damage to the contents
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What you are not insured for
• contents over 5 years old
• Excess as stated in the Schedule.
• Loss or damage specifically excluded elsewhere under Section 2 Landlords Business Contents
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3 Contents in the Open
Loss or damage by perils 1 to 11 to landlords business contents of individual residences, in the open within the boundaries of the land belonging to the buildings.
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What you are not insured for
• Excess as stated in the Schedule.
• Any amount exceeding £250.
• Loss or damage to audio, Hi-Fi, Television, Telecommunication or video equipment.
• Loss or damage to plants
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D - Optional cover - Landlord’s Business Contents Public Liability
This cover only applies if public liability cover is shown on the policy schedule.
We cover your legal liability:
• as owner of the landlord’s business contents;
to compensate others if, following an accident, during the period of insurance, someone dies, is injured, falls ill or has their property damaged.
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Exclusions
• The most we will pay for any claim (or claims) arising from one cause, including costs and legal expenses agreed by us, is £2,000,000 or any higher amount shown on the schedule.
We will not pay if the liability arises from:
• the death, injury or illness of you, or your domestic employees;
• loss or damage to any property that you, or your domestic employees own or are responsible for;
• a contract that says you, or your domestic employees are liable for something which you or they would not otherwise have been liable for;
• your business or profession other than as owner of the property shown in the schedule;
• owning or using vehicles or craft;
• any animal
• you, or your domestic employees passing on any illness or virus;
• ownership of any landlord’s business contents not shown in your schedule.
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Special provisions to Section 2 - Landlords’ Business Contents
1 Index Linking
We will increase your sum insured each month in line with the Durable Household Goods Section of the Retail Price Index.
2 Automatic reinstatement of cover following a loss
The sum insured on Contents will not be reduced following payment of a claim.
Special condition to Section 2 - Landlords’ Business Contents
It is a Condition of the Insurance provided by Section 2 that the Sum Insured represents the full value of the Contents at the date of the loss or damage. If the property insured shall at the time of any loss or damage be of greater value than the sum insured, the policyholder shall only be entitled to recover hereunder such proportion of the said loss or damage as the sum insured bears to the total value of this said property.
Conditions and Exclusions which apply to the whole of your policy
Conditions
1 You must do all you reasonably can to prevent and reduce any loss, damage or injury.
2 You must tell us about any loss, damage or liability as soon as possible and give us all the information and help we may need. We will decide how to settle or defend a claim and may carry out proceedings in the name of any person covered by your policy including proceedings for recovering any claim.
3 You must report any loss, theft, attempted theft or malicious damage to the police immediately.
4 If a claim is fraudulent or false in any way, we will not make any payment and all cover will end.
5 If any claim is covered by any other insurance, we will not pay for more than our share of that claim.
6 You must tell us if any of the information
on which this insurance is based changes.
Failure to do so may result in your insurance
no longer being valid and claims not met. If in
doubt about any change, please tell us. If your
policy is amended as a result of any change,
we will be entitled to vary the premium and
terms for the rest of the period of insurance.
You should keep a record (including copies
of letters) of all information supplied to us in
connection with this insurance.
7 When the property is unoccupied for a period of longer than 7 days between the 1st October and the 31st March the following year, that the central heating system (where installed) be kept working to maintain a temperature of no less than 10 degrees centigrade failing which the water must be turned off at the mains and the water system completely drained. During periods of unoccupancy the property must be inspected not less than once in every 14 days by a responsible person acting on behalf of you and any faults discovered remedied immediately. When unoccupied the cumulative excess is increased by a further amount of £250 for buildings and £500 for contents. It is a condition of this policy that the Insurers be informed if the property is likely to remain unoccupied for a period in excess of 90 days. Should the property remain unoccupied for a period in excess of 90 days the insurance cover provided by this policy, effective from the 91st day of unoccupancy, will be restricted to the perils of fire, lightning, earthquake and storm only as described on Pages 3 and 8 of this document unless Insurers have provided written confirmation to the contrary.
8 During the periods of repairs or renovations the excesses are increased by £250.
9 You must give immediate notice of any change in the Tenancy Type as shown on the Schedule. If in doubt about any change please tell us. You will not be insured until we have agreed in writing to accept any alteration.
10 No cooking is to be undertaken inside any part of the building insured by this policy other than in such areas which have been constructed and equipped as domestic kitchens.
11 All Gas and Electric Appliances and Installations at the insured premises must be regularly inspected by you or a responsible person acting on your behalf as required by the appropriate legislation and repaired, replaced, maintained or serviced as necessary to ensure good order. A record of such inspections/work undertaken should be kept to produce to Insurers upon request.
12 Any increase in the risk of damage due to any act or neglect of any Mortgagor, Leaseholder, Lessee or Occupier of any buildings will not prejudice the interest of any Mortgagee, Freeholder or Lessor provided the increase in risk is without their prior knowledge or authority and we are notified immediately they become aware of the increase
13 A person or company who was not a party to this Policy has no right under the Contracts (Rights of Third Parties) Act 1999
or
any subsequent legislation to enforce any term of this Policy but this does not affect any right or remedy of a third party which exists or is available apart from such Act.
14 It is a warranty of this insurance that in respect of damage by Storm that any felted roof portion of the within described premises shall be inspected at least once every five years by a qualified builder or property surveyor and any defects brought to light by that inspection shall be repaired immediately.
15 Law The contract is governed by the law that applies to where you reside within the United Kingdom. If there is any dispute as to which law applies, it will be English law.
Exclusions
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We will not pay for the following.
1 Any reduction in value.
2 Consequential (indirect) loss of any kind.
3 Any accident or incident that happens outside any period of insurance that is covered by this policy.
4 The cost of replacing any undamaged item or part of any item just because it forms part of a set, suite or one of a number of items of a similar type, colour or design.
5 Loss or damage to any items used in connection with any business, trade or profession other than the letting of the property insured by this policy.
6 Any legal liability resulting from any business, trade or profession other than the letting of the property insured by this policy.
7 Any claim resulting from:
• deliberate or criminal acts by you, or your domestic employees
• gradual causes including deterioration;
• wear and tear;
• mildew, fungus, climatic or atmospheric conditions, frost, wet or dry rot;
• any process of cleaning, repair or alteration;
• vermin, insects or chewing, scratching, tearing or fouling by pets;
• electrical or mechanical failure or breakdown;
• faulty design materials or workmanship;
• the failure of a computer chip or computer software to recognise a true calendar date;
• computer viruses;
• ionising radiation, radioactivity, nuclear fuel, nuclear waste or equipment;
• war, revolution or any similar event;
• pollution or contamination which was:
the result of a deliberate act;
expected and not the result of a sudden, unexpected and identifiable incident.
8 We will not pay for any claim arising directly or indirectly from an act of terrorism.
In this case, an act of terrorism means preparing, threatening to use or actually using any item capable of producing biological, chemical or nuclear pollution or contamination.
9 Damage to purpose built flats or apartment blocks where the total buildings sum insured exceeds £250,000 caused by any act of any person acting on behalf of, or in connection with, any organisation with activities directed by force or violence towards overthrowing or influencing of any government in law or in fact.
10 Loss or damage to shop fronts, including glass, where the building forms part of any commercial premises or landlord’s business contents contained in any non-domestic part of the buildings.
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Settling Claims
Buildings
We will decide whether to repair, replace or reinstate the damaged part of the buildings. We may do this by using one of our suppliers. We will pay the full cost of the work, including any professional, demolition or local-authority costs or fees we have agreed, as long as the work is finished without delay. If the work is not carried out, we will pay the reduction in the market value of your property that resulted from the damage. However, we will not pay more than the cost of the repair or replacement.
We will take off an amount for wear and tear if the buildings are not properly maintained or your sum insured is less than the actual cost of rebuilding your home.
When we pay your claim we will take off the excess shown in your schedule. This does not apply under ‘Your liability to others’.
The most we will pay is the limits shown in the policy or the sum insured shown in your schedule.
Contents
We will decide whether to repair or replace any item that is lost or damaged. We may do this by using one of our suppliers. If the item cannot be repaired or replaced, we will pay the cost of an equivalent replacement.
We will take off an amount for wear and tear and depreciation.
When we pay your claim we will take off the amount of the excess shown in your schedule.
The most we will pay is the sum insured or the limits shown in your schedule or in the policy.
Our claims procedure
It is important that you comply with the Claims Procedure contained in the policy wording, Conditions Section. Failure to do so may prejudice your position or delay the handling of your claim.
We will need you to provide a fully completed claim form and you will be required to provide at least two separate independent estimates or quotations for any damage, or items you are claiming for.
In the event of a loss, theft or malicious act you must report the incident to the police within 24 hours of the incident and then obtain a crime reference number.
In the event of a claim please contact UKinsurancenet and we will arrange for a claim form to be sent to you.
For existing claims, advice and assistance ring Zurich Insurance on 0845 601 0869 Monday to Friday, 8am to 6pm and Saturday, 9am to 1pm. When you contact Zurich Insurance regarding a claim please quote the following reference 10/006761/05439701.
Emergency Assistance
0845 712 5220
Lines open 24 hours a day. Please only use this number if you require the assistance of a tradesman.
Should you be unfortunate enough at any time to suffer a domestic emergency such as a broken window, burst pipe or the aftermath of a storm, a phone call to Zuricare Assistance can provide you with immediate access to a large network of professional tradesmen within your local area.
Important
Tradesmen sent out to your home by Zuricare Assistance have no authority to advise on what is, or is not, covered by your policy. You will be expected to pay the tradesman for work undertaken but if damage is covered by your policy, Zurich will reimburse you for the cost, less of course the policy excess.
Our complaints procedure
We value the opportunity to investigate concerns you may have about our service. We are committed to handling complaints fairly, thoroughly and promptly.
In the first instance, if you have a complaint about your policy or a claim, you should contact:
UKinsurancenet
Alton House 27-31
Grange Road
Darlington
DL1 5NA
If you are still not satisfied, you can contact the Chief Executive’s office at Zurich.
You can phone 01242 511227 or
e-mail chiefexecutive@uk.zurich.com
Or, write to:
Chief Executive
The Grange
Bishops Cleeve
Cheltenham
GL52 8XX
A member of the Chief Executive’s office will respond to your complaint and offer to sort it out where possible.
If you are still not happy with the way we have dealt with your complaint, you can ask the Financial Ombudsman Service (FOS) to review your case. This is a free and unbiased service.
You can phone 0845 080 1800 or e-mail enquiries@financial-ombudsman.org.uk
Or, write to: Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR
You may contact the Ombudsman at any stage or your complaint. Your legal rights will not be affected.
Compensation
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation should we be unable to meet our obligations. Further information is available on www.fscs.org.uk or you may contact the FSCS on 020 7892 7300.
UKinsurancenet is a trading name of Internet Insurance Services UK Ltd
Registered in England No 3928028
Registered Office:
Alton House
27-31 Grange Road
Darlington
DL1 5NA
Tel 0844 875 44 44
Fax 0844 875 55 11
Email landlords@UKinsurancenet.com
Authorised and regulated by the Financial Services Authority. Registered with the Institute of Insurance Brokers.
Zurich Insurance Company
UK Head Office: Zurich House, Stanhope Road, Portsmouth, Hampshire PO1 1DU
www.zurichinsurance.co.uk
A limited company incorporated in Switzerland. Registered in the Canton of Zurich. Canton Number CH-020.3.929.583-0. UK Branch registered in England. Number BR105. Authorised and Regulated by the Financial Services Authority. These details can be checked on the FSA’s register by visiting their website www.fsa.gov.uk/register or by contacting them on 0845 606 1234.
Communications may be monitored or recorded to improve our service and for security and regulatory purposes.
PL6/9693.02 (01.05)
© Copyright - Zurich Insurance Company 2005. All rights reserved. Reproduction, adaptation, or translation without prior written permission is prohibited except as allowed under copyright laws.
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