Page 1
Groupama Bedrooms
Home and Contents Insurance Policy
Page 2
DEFINITIONS
3-4
SECTION 1: BUILDINGS
5-10
Extensions to Section : 1
7-8
Optional extensions to Section : 1
9
Basis of Claims Settlement
10
Automatic Reinstatement
10
SECTION 2: CONTENTS
11-18
Extensions to Section : 2
13-16
Optional extensions to Section : 2
17
Basis of Claims Settlement
18
Automatic Reinstatement
18
Christmas and Weddings
18
SECTION 3: EXTRA PROTECTION
19-21
A : Unspecified Articles
19-20
B : Specified Articles
20
Basis of Claims Settlement
21
What is not insured by Section: 3
21
SECTION 4: LEGAL EXPENSES
22-26
POLICY CONDITIONS
27-28
GENERAL POLICY EXCLUSIONS
29
MAKING A CLAIM
30
OUR CUSTOMER CARE POLICY
31
PROPERTY & LEGAL HELPLINES
33
CONTENTS
1
Page 3
WELCOME TO GROUPAMA BEDROOMS
A Home and Contents Insurance Policy from Groupama Insurances
This Policy is a Contract solely between the Company and You.
The proposal and declaration which You signed, forms part of this Contract.
The Schedule and any Endorsements are all part of the Policy and are to be read as one
document and any word or expression used with a specific meaning in any of them has
the same meaning wherever it appears. Words with specific meanings are defined on
Pages 3 and 4 of this policy booklet.
We will insure You against legal liability, loss or damage under the Sections specified in
the Schedule during any period of insurance set out in the Schedule, provided that the
Conditions under which this Policy has been issued are fulfilled.
The cover applies throughout Great Britain, Northern Ireland, Isle of Man and the
Channel Islands except when We state otherwise in the Policy.
Pierre Lefevre
CHAIRMAN AND CHIEF EXECUTIVE
IMPORTANT NOTE
PLEASE READ THIS POLICY DOCUMENT CAREFULLY AND ENSURE THAT IT MEETS YOUR REQUIREMENTS
.
IF YOU HAVE ANY QUERY PLEASE CONTACT YOUR AGENT WHOSE DETAILS ARE SHOWN IN THE SCHEDULE
.
PLEASE KEEP THIS POLICY IN A SAFE PLACE YOU MAY NEED TO REFER TO IT IF YOU MAKE A CLAIM
.
Groupama House 24-26 Minories London EC3N 1DE.
2
Page 4
DEFINITIONS
THE COMPANY / WE / US / OUR
Groupama Insurance Company Limited
INSURED / YOU / YOUR
The person or persons named as policyholder(s) in the Schedule.
FAMILY
You, Your domestic partner and other relations who permanently reside with You.
HOME
The house, bungalow or self contained flat/maisonette together with its garages and domestic
outbuildings at the address shown in the Schedule, used for private residential purposes.
BEDROOM
A room used as or originally designed and built to be a Bedroom even if now used for another purpose.
BUILDINGS
The Home being built of brick, stone or concrete and roofed with slates, tiles, asphalt or metal,
including landlord's fixtures and fittings, its garages and domestic outbuildings, permanent swimming
pools, hardcourts, paved terraces, patios, drives, paths, walls, gates and fences, all contained within the
boundaries of the land of the Home.
PERSONAL EFFECTS
Personal property which is designed to be worn or carried on or about the person.
CONTENTS
WHAT IS INSURED
1. Household goods, Valuables and
belongings, including Money up to £300
owned by, or the legal responsibility of
You or a member of Your Family when in
Your Home.
2. Tenant's fixtures and fittings.
3. Visitors' Personal Effects up to £500 when in
Your Home unless otherwise insured.
4. Office equipment and office furniture used by
You or Your Family for business or professional
purposes up to £5,000 when in Your Home,
unless otherwise insured, owned by, or the
legal responsibility of You or a member of Your
Family.
WHAT IS NOT INSURED
q
Mechanically propelled or assisted vehicles
of all types (other than domestic
gardening machinery), caravans, trailers,
watercraft, aircraft, hovercraft, boats and
parts or accessories for any of them.
q
Swimming pool covers.
q
Pets and livestock.
q
Any part of the structure, fixtures and
fittings (except those for which a tenant is
legally liable), ceilings or decorations of
the Home.
q
Property more specifically insured.
q
Bonds, bills of exchange, promissory notes
and securities for Money.
q
Property used for Business or Trade
purposes (other than office equipment and
office furniture up to £5,000 when in Your
Home).
q
Plants, trees or any growing matter.
q
Contact or corneal lenses.
q
Electric or motorised wheelchairs.
3
Page 5
4
EXCESS
The amount of each claim You have to pay. If You make a claim under more than one section for loss or
damage which happens at the same time and by the same cause We will deduct only one Excess.
VALUABLES
Articles of gold, silver and other precious metals, jewellery, clocks, watches, photographic equipment,
binoculars, furs, curios, pictures and other works of art, audio and audio visual equipment,
computer equipment and collections of stamps, coins and medals all belonging to or the legal
responsibility of You or Your Family.
MONEY
Personal Money held for private purposes by You or Your Family including coin and bank notes used as
legal tender, postal stamps (not in a collection), postal and money orders, cheques, including travellers
cheques, saving and trading stamps, saving certificates and bonds, luncheon vouchers, travel tickets and
gift tokens.
CREDIT CARDS
Credit, Cheque, Debit, Charge or Cash Cards.
PEDAL CYCLE
Non-mechanically propelled Pedal Cycle.
UNFURNISHED
Without sufficient furniture and furnishings for normal living purposes.
UNOCCUPIED
Furnished but has not been lived in by You or Your Family, or any other person with Your permission, for
more than 30 consecutive days.
TERRORISM
For the purpose of the General Policy Exclusion (page 29) an act of Terrorism means the use of
biological, chemical and/or nuclear pollution or contamination and/or threat thereof by any person or
group of persons whether acting alone or on behalf of or in connection with any organisation(s) or
government(s) committed for political, religious, ideological or similar purposes including the intention to
influence any government and/or to put the public or any section of the public in fear.
COST OF REBUILDING
The full cost of reconstruction of the Buildings in the same form, size, style and condition as when new
including the cost of complying with any government or local authority requirements, fees and
associated costs, including Architect and Surveyors Fees.
INDEX LINKING - BUILDINGS
The Sum Insured on Buildings will be adjusted monthly by the percentage movement in the House
Rebuilding Cost Index prepared by the Royal Institution of Chartered Surveyors. No charge will be made
for the changes in the Sum Insured which will occur monthly, but the next renewal premium will be
calculated on the adjusted Sum Insured.
DEFINITIONS
Page 6
5
SECTION 1 : BUILDINGS
WHAT IS INSURED
Loss of or damage to the Buildings by the
following causes:
1. Fire, Smoke, Explosion, Lightning, Earthquake;
2. Storm or Flood;
3. Subsidence or Heave of the site beneath the
Buildings, or landslip;
See definitions Page 3 and Page 4
WHAT IS NOT INSURED
q
The Excess shown in the Schedule.
q
Wet or dry rot.
q
Loss or damage due to any gradually operating
cause.
q
Loss or damage caused:
(a) by frost, subsidence, heave or landslip;
(b) to fences and gates.
q
Damage to swimming pools, hard courts, paved
terraces, patios, drives, paths, walls, gates and
fences unless the Home is damaged at the
same time and by the same cause.
q
Damage caused by:
(a) the normal settlement or bedding down of
new structures;
(b) the settlement or movement of
made-up ground;
(c) coastal or river erosion;
(d) defective design or faulty workmanship or
the use of defective materials or inadequate
construction of foundations.
q
Damage to solid floor slabs resulting from their
movement, unless the foundations beneath the
exterior walls of the Home are damaged at the
same time by the same cause.
q
Damage which originated prior to inception
of this Policy.
q
Damage resulting from:
(i) demolition, construction, structural
alteration or repair to the Buildings;
(ii) groundworks or excavation.
q
Any loss or damage where compensation is
provided by contract or legislation.
q
The Excess shown in the Schedule.
Page 7
6
WHAT IS INSURED
4. Riot, Civil Commotion, Strikes,
Labour Disturbances;
5. Malicious Acts;
6. Escape of water from, or freezing of water in,
a fixed water or heating installation or plumbed
in domestic appliance;
7. Impact with the Buildings by aircraft or aerial
devices, vehicles, or any article dropped from
them, and animals;
8. Theft or attempted theft;
9. Leakage of oil from any fixed heating
installation;
10.Falling trees or branches;
11.Falling television or radio aerials, aerial fittings,
satellite dishes or masts.
WHAT IS NOT INSURED
q
Loss or damage caused after the Buildings have
been left Unoccupied or Unfurnished.
q
Loss or damage caused by You or Your Family
or any person lawfully in Your Home.
q
Loss or damage caused after the Buildings
have been left Unoccupied or Unfurnished.
q
Repairs to tanks, pipes or appliances unless
caused by freezing.
q
Loss or damage caused by domestic pets.
q
Loss or damage caused after the Buildings
have been left Unoccupied or Unfurnished.
q
Loss or damage whilst the Buildings or any part
of them are lent, let, sub-let or occupied by
anyone other than You or Your Family, except
where there is forcible and violent entry or exit.
q
Loss or damage caused by any person lawfully
in Your Home.
q
Loss or damage caused after the Buildings have
been left Unoccupied or Unfurnished.
q
Loss or damage to gates or fences.
q
The cost of the removal of the tree or branch
unless damage has been caused to the
Buildings by its fall.
q
Damage caused by felling, lopping, or topping
of trees.
q
Loss or damage to the aerials, aerial fittings,
satellite dishes or masts.
SECTION 1 : BUILDINGS
See definitions Page 3 and Page 4
Page 8
7
SECTION 1: BUILDINGS
Extensions to Section 1
WHAT IS INSURED
A. Fees and other Expenses
We will pay the reasonable costs necessarily
incurred by You with Our written consent as a
result of loss or damage by any of the Causes
1-11 of Section 1 of this Policy for:
(a) architects, surveyors, legal and other fees;
(b) the cost of clearing the site and making the
Buildings safe;
(c) the additional Cost of Rebuilding or repair
of the damaged part of the Buildings solely to
comply with any government or local authority
requirements, unless You were given notice of
the requirement before the loss or damage
occurred.
B. Alternative Accommodation
If the Home is rendered uninhabitable as a result
of loss or damage by any of the Causes 1-11 of
Section 1 of this Policy we will pay the reasonable
extra accommodation costs, incurred with our
written consent, for
a) You, Your Family and
b) Your domestic pets
until the Home is again habitable, up to a
maximum of 20% of the Buildings Sum Insured.
C. Glass or Sanitaryware
We will pay the cost of replacement or repair
following accidental breakage of fixed glass in
windows, doors, fanlights, skylights or fixed
sanitaryware in the Buildings, and ceramic
hobs fixed to and forming part of the Home.
D. Underground Pipes and Cables
We will pay the cost of repair following accidental
damage by external means to cables, underground
pipes or underground tanks all servicing the Home
and for which You are responsible.
WHAT IS NOT INSURED
q
Fees for preparing any claim.
q
Costs for complying with requirements You
were notified of before the loss or damage.
q
The Excess shown in the Schedule.
q
Damage caused after the Buildings have been
left Unoccupied or Unfurnished.
q
Damage to ceramic hobs in movable cookers.
q
Damage to secondary double glazing whilst
removed for any reason.
q
Malicious damage caused by You, Your Family
or any person lawfully in Your Home.
q
The Excess shown in the Schedule.
q
Damage caused whilst cleaning or attempting
to clear a blockage.
q
Any costs arising from clearance of a blockage
not directly resulting from a breakage of the
pipe.
Page 9
8
WHAT IS INSURED
E. Your Liability to the Public
We will pay for damages and claimants' costs and
expenses which You become legally liable to pay
for accidental
a) death of, or bodily injury to or illness or disease
of any person or
b) accidental damage to material property
up to £2,000,000 in connection with
a) any one claim or
b) series of claims
made against You arising out of any one event
occurring during the period of insurance and
incurred
(i) solely as owner (not as occupier) of the Home
or the land belonging to the Home; or
(ii) in connection with any previous private
residence which You owned and occupied, and
incurred by reason of Section 3 of the Defective
Premises Act 1972 or Section 5 of the Defective
Premises (Northern Ireland) Order 1975,
provided that You had disposed of all legal title
and interest at the time of such occurrence;
We will also pay legal costs and expenses incurred
with Our written consent in the defence of any
claim made against You
If You cancel, or do not renew, Section 1 of Your
Policy following the sale or disposal of Your Home
the cover provided by paragraph (ii) for that Home
will continue for seven years after this Section
expires.
F. Purchaser's Interest
If You have contracted to sell the Buildings and
the purchaser has not insured the property before
completion, the purchaser will have the contractual
right to benefit of Section 1 of this Policy between
Exchange of Contracts and completion of the sale
provided the purchaser completes the purchase.
WHAT IS NOT INSURED
q
Liability arising directly or indirectly from
(a) any profession, business or employment;
(b) the use of lifts or mechanically propelled or
assisted vehicles (other than gardening
machinery and pedestrian controlled
vehicles);
(c) any agreement unless You would have been
liable had the agreement not been made;
(d) death, injury, illness or disease of any
member of Your Family or a domestic
employee;
(e) loss or damage to property owned, occupied
or in the custody or control of You, Your
Family or any domestic employee.
q
Liability
(i) arising more than seven years after the
expiry or cancellation of Section 1 of
this Policy;
(ii) if You are insured under a more recently
effected or current policy.
SECTION 1 : BUILDINGS
Extensions to Section 1
Page 10
9
SECTION 1 : BUILDINGS
Optional extension to Section 1
This cover does not apply unless the Schedule states that Accidental Damage is included
WHAT IS INSURED
Accidental Damage to the Buildings.
WHAT IS NOT INSURED
q
The Excess shown in the Schedule.
q
Damage whilst the Buildings or any part of
them are lent, let, or sub-let, or are left
Unoccupied or Unfurnished.
q
Damage caused by:
(i) faulty workmanship, defective design or
the use of defective materials;
(ii) wear and tear, frost, damp, corrosion,
atmospheric or climatic conditions or
gradually operating cause, rot, rust, fungus,
insects or vermin;
(iii) domestic pets;
(iv) movement, settlement or shrinkage in
any part of the Buildings;
(v) movement of the land belonging to the
Buildings;
(vi) demolition or structural alteration or repair.
q
Any destruction or damage otherwise shown as
not insured under Section 1 of this Policy.
q
Market depreciation, the cost of maintenance
and redecoration.
q
The cost of repairing or replacing electrical or
mechanical equipment following breakdown
or misuse.
Page 11
10
Basis of Claims Settlement
(a) We will pay up to the Sum Insured for Buildings shown in the Schedule (plus any Index Linking
adjustment applicable) for the Cost of Rebuilding, repairing or replacing the damaged parts of the
Buildings, inclusive of any amount which may become payable under Extension A of Section 1 of this
Policy.
(b) If the Buildings are not rebuilt or repaired We will pay at Our option the difference between the
market value of the Buildings prior to the loss or damage and the market value of the Buildings
following the loss or damage.
(c) If the Buildings have not been maintained in a good state of repair, a deduction will be made for
wear and tear.
(d) If at the time of any loss or damage the Sum Insured is less than the Cost of Rebuilding, We will pay
the cost of repair or replacement less a deduction for wear and tear.
(e) We will not pay for the cost of replacing any undamaged items forming part of a set or suite or other
article of a uniform nature, design or colour when damage occurs to a specific part or within a
clearly definable area and replacements cannot be matched.
(f) Where an item or any part thereof which is not Year 2000, or any other date compliant, suffers loss
or damage covered under this Section of the Policy then the basis of claims settlement will be the
market value of the item or any part thereof at the time of the loss or damage.
Automatic Reinstatement
We will not automatically reduce the Sum Insured by the cost of any claim provided that the repair or
reinstatement has been completed and any recommendations to prevent further damage have been
carried out.
SECTION 1 : BUILDINGS
Page 12
11
SECTION 2 : CONTENTS
WHAT IS INSURED
Loss of or damage to the Contents by the
following causes:
1. Fire, Smoke, Explosion, Lightning, Earthquake;
2. Storm or Flood;
3. Subsidence or Heave of the site beneath the
Buildings, or Landslip;
4. Riot, Civil Commotion, Strikes, Labour
Disturbances;
5. Malicious Acts;
6. Escape of water from a fixed water or heating
installation, or plumbed in domestic appliance;
WHAT IS NOT INSURED
q The Excess shown in the Schedule.
q Loss or damage due to any gradually operating
cause.
q Loss or damage to property in the open.
q Loss or damage caused by:
(a) the normal settlement or bedding down of
new structures;
(b) the settlement or movement of made-up
ground;
(c) coastal or river erosion;
(d) defective design, faulty workmanship or the
use of defective materials or inadequate
construction of foundations.
q Damage resulting from:
(i) demolition, construction, structural
alteration or repair to the Buildings;
(ii) groundworks or excavation.
q Loss or damage caused after the Buildings have
been left Unoccupied or Unfurnished.
q Loss or damage caused by You or Your Family
or any person lawfully in Your Home.
q Damage to the installation or appliance from
which the water escapes.
q Loss or damage caused after the Buildings have
been left Unoccupied or Unfurnished.
See definitions Page 3 and Page 4
Page 13
12
WHAT IS INSURED
7. Impact with the Buildings by aircraft
or aerial devices, vehicles, or any article
dropped from them, and animals;
8. Theft or attempted theft;
9. Leakage of oil from any fixed heating
installation;
10.Falling trees or branches;
11.Breakage or collapse of television or radio
aerials, aerial fittings, satellite dishes or masts
WHAT IS NOT INSURED
q
Loss or damage caused by domestic pets.
q
Loss or damage caused after the Buildings have
been left Unoccupied or Unfurnished.
q
Loss or damage caused by any person lawfully
in Your Home.
q
Loss or damage whilst the Buildings or any part
of them are lent, let, sub-lent or occupied by
anyone other than You or Your Family except
when force and violence are used to gain entry
or exit.
q
Any amount exceeding £2,000 from any garage
or outbuilding at the address shown on the
Schedule.
q
Loss or damage caused after the Buildings have
been left Unoccupied or Unfurnished.
q
Damage to the appliance from which the oil
escapes.
q
Loss or damage arising from felling, lopping or
topping of trees.
q
Loss or damage arising from erection,
dismantling, repair or maintenance.
SECTION 2 : CONTENTS
See definitions Page 3 and Page 4
Page 14
13
WHAT IS NOT INSURED
q
The Excess shown in the Schedule (or £100 in
respect of Contents whilst in university halls of
residence or in student accommodation if
greater)
q
Loss or damage in a furniture depository
q
Loss or damage caused by storm or flood to
property not in a building
q
Loss or damage by theft unless force and
violence is used to gain entry to or exit from
a) a building or
b) in the case of halls of residence or student
accommodation, a locked room.
q
The Excess shown in the Schedule.
q
Loss due to the deliberate act of the supply
authority.
q
Loss if the freezer is more than 10 years
old at the date of loss.
q
The Excess shown in the Schedule.
q
Loss or damage caused after the Buildings have
been left Unoccupied or Unfurnished.
q
Malicious damage caused by You, Your Family,
or any person lawfully in Your Home.
q
Damage to ceramic hobs fixed to and forming
part of the Home.
SECTION 2 : CONTENTS
Extensions to Section 2 : Contents
WHAT IS INSURED
A. Temporary Removal of Contents
We will pay for Contents lost or destroyed by any
of the Causes 1-11 of Section 2 of this Policy
whilst temporarily removed from the Home but
remaining in Great Britain, Northern Ireland, the
Isle of Man or the Channel Islands,
a) up to £5,000 in respect of Contents whilst in
university halls of residence or in student
accommodation or otherwise
b) up to 20% of the Limit of Indemnity for
Contents shown in the Schedule.
B. Alternative Accommodation
If the Home is rendered uninhabitable as a result
of loss or damage by any of the Causes 1-11 of
Section 2 of this Policy we will pay the reasonable
extra accommodation costs, incurred with our
written consent, for
a) You, Your Family and
b) Your domestic pets
Until the Home is again habitable up to a
maximum of 20% of the Limit of Indemnity for
Contents shown in the Schedule.
C. Deep Freezer Contents
We will pay for food in a domestic deep freezer in
the Home made unfit for human consumption by a
change in temperature within the freezer cabinet
or contamination by refrigerant or refrigerant
fumes up to a limit of £500.
D. Mirrors and Glass
We will pay for breakage of mirrors, glass tops to
furniture, fixed glass in furniture, ceramic hobs
forming part of a movable cooker.
Page 15
14
SECTION 2 : CONTENTS
Extensions to Section 2 continued
WHAT IS INSURED
E. Audio and Audio Visual Equipment
Accidental Damage to:
(i)
televisions;
(ii) audio equipment;
(iii) video recorders;
(iv) computer equipment;
which are owned by You or Your Family, or for
which You are legally responsible.
F. Tenant's Liability
(applicable if the Buildings are rented)
Any amount which You become legally liable to
pay as a tenant, and not as an owner of the
Buildings up to 20% of the Limit of Indemnity for
Contents shown in the Schedule in respect of:
(a) damage to the Buildings by any of the
Causes 1-11 of Section 1 of this Policy
(b) accidental breakage and damage as described
in Extensions C and D of Section 1 of this
Policy.
G. Contents in the Garden
We will pay up to £500 in respect of loss or
damage to the Contents by any of the Causes 1-
11 of Section 2 of this Policy, occurring in the open
within the boundaries of the land belonging to
Your Home.
H. Door Locks
We will pay up to £1,000 in respect of
replacement locks for external doors to the
Buildings if Your keys are stolen or lost.
WHAT IS NOT INSURED
q
The Excess shown in the Schedule.
q
Loss or damage caused by mechanical, electrical
or electronic breakdown or derangement.
q
Damage to records, tapes, discs or computer
software.
q
Damage caused by cleaning, fitting,
adjustment, repair or dismantling of the
apparatus.
q
Damage caused after the Buildings have been
left Unoccupied or Unfurnished.
q
Wear and tear and depreciation.
q
Malicious damage by You, Your Family or any
person lawfully in Your Home.
q
Loss or damage caused after the Buildings have
been left Unoccupied or Unfurnished.
q
Malicious damage, theft or attempted theft,
caused by You, Your Family or any person
lawfully in Your Home.
q
The Excess shown in the Schedule.
q
Plants, trees and any growing matter.
q
Loss or damage caused after the Buildings have
been left Unoccupied or Unfurnished.
q
The Excess shown in the Schedule.
q
Thefts not reported to the Police.
Page 16
15
WHAT IS INSURED
I. Loss of Oil and Metered Water
We will pay up to £1,000 for:
(i) the cost of oil lost from the domestic heating
installation following Accidental Damage to
any part of the domestic heating installation;
(ii) additional metered water charges incurred
by You and resulting from any of the
Causes 1-11 of Section 2 of this Policy.
J. Reinstatement of Title Deeds
We will pay up to £1,000 in respect of the
replacement of title deeds to Your Home if they
are lost, destroyed or damaged by any of the
Causes 1-11 of Section 2 of this Policy while in
Your Home or lodged with Your Solicitor, Bank or
Building Society.
K. Public and Personal Liability
We will pay for damages and claimants' costs and
expenses which You or any member of Your Family
become legally liable to pay for accidental
a) death of, or bodily injury to or illness or
disease of any person or
b) accidental damage to material property
up to £2,000,000 in connection with
a) any one claim or
b) series of claims
made against You or a member of Your Family
arising out of any one event, occurring during the
period of insurance and incurred
(i) solely as occupiers, (but not owners) of the
Home or the land belonging to the Home; or
(ii) in a personal capacity, (not as occupier or
owner of any building or land) occurring in
Great Britain, Northern Ireland, the Isle of
Man, or the Channel Islands and elsewhere in
the world during a temporary visit.
We will also pay legal costs and expenses incurred
with Our written consent in the defence of any
claim made against You or Your Family.
WHAT IS NOT INSURED
q
The Excess shown in the Schedule.
q
Loss otherwise shown as not insured under
Section 2 of this Policy.
q
Loss if the Buildings have been left Unoccupied
or Unfurnished.
q
The Excess shown in the Schedule.
q
Loss or damage caused by: wear and tear,
depreciation, insects, vermin, fungus,
atmospheric or climatic conditions, gradually
operating cause, confiscation or detention by
order of any government, public or police authority.
q
Death, bodily injury, illness or disease to any
member of Your Family or domestic employee.
q
Loss or damage to property owned by, or in the
custody or control of, You or any member of
Your Family or any person permanently
residing with You.
q
Liability arising directly or indirectly from the
transmission of any communicable disease or
virus by You or any member of Your Family.
q
Liability arising directly or indirectly as a
consequence of a criminal act by You or any
member of Your Family.
q
Any agreement unless You would have been
liable had the agreement not been made.
q
The ownership, use or possession of any:
(i) lift, caravan, aircraft or watercraft including
jetskis (other than hand propelled
watercraft);
(ii) mechanically propelled or assisted vehicle
(other than domestic gardening machinery);
(iii) animals except domestic pets other than
those listed in the Dangerous Dogs Act
1991;
(iv) firearms, other than properly licensed
shotguns.
q
Any profession, business or employment.
q
Any claim or other proceedings against You or
Your Family lodged or prosecuted in a court
outside the United Kingdom.
SECTION 2 : CONTENTS
Extensions to Section 2 continued
Page 17
16
WHAT IS INSURED
L. Reverse Liability
We will pay all sums which You have been
awarded in any Court in Great Britain, Northern
Ireland, the Isle of Man or the Channel Islands and
which have not been paid within three months of
the award provided that:
(i) if the position of You and the responsible party
had been reversed, You would have been
entitled to indemnity under Extension K,
subject to the limit of indemnity under
Extension K;
(ii) the liability giving rise to the Court award
occurs during the period of insurance;
(iii) You agree to allow Us to enforce any rights or
remedies which We will become entitled to
upon making payment.
M. Accidents to Domestic Employees
We will pay for damages and claimants' costs and
expenses which You or a member of Your Family
become legally liable to pay as compensation for
accidental
a) death of or
b) bodily injury to or
c) illness or disease of
any domestic employee up to £10,000,000 in
connection with
a) any one claim or
b) series of claims
made against You or Your Family arising out of any
one event occurring during the period of insurance
and arising out of and in the course of
employment within Great Britain, Northern Ireland,
the Isle of Man or the Channel Islands
We will also pay legal costs and expenses incurred
with Our written consent in the defence of any
claim made against You or Your Family
N. Fatal Accident
We will pay £5,000 if You or Your partner die,
either separately or together, as a result of an
injury in the Home caused by fire or an assault by
intruders, within 90 days of the incident.
WHAT IS NOT INSURED
q
Any amount whilst any appeal is pending.
q
Liability arising directly or indirectly from the
transmission of any communicable disease or
virus by You or any member of Your Family.
q
Any agreement unless You would have been
liable had the agreement not been made.
q
Any claim or other proceedings against You or
Your Family lodged or prosecuted in a court
outside the United Kingdom
q
liability arising from any business or profession
q
liability for death of, bodily injury to, or illness
or disease of any member of Your Family
q
liability for which compulsory insurance or
security is required by any road traffic
legislation.
SECTION 2 : CONTENTS
Extensions to Section 2 continued
Page 18
17
WHAT IS INSURED
A. Accidental Damage to Contents when in
Your Home.
B. Accidental Damage to Contents whilst in
transit by Professional Removal Contractors
from the Home to Your new permanent
Home within Great Britain, Northern
Ireland and the Isle of Man including
temporary storage up to 48 hours.
WHAT IS NOT INSURED
(a) The Excess shown in the Schedule.
(b) Clothing (including furs), Personal Effects,
Money, contact and corneal lenses, and food.
(c) Loss or damage if the Buildings are lent, let or
sub-let in whole or in part, or are left
Unoccupied or Unfurnished.
(d) Damage by scratching, denting, wear and tear,
depreciation, insects, vermin, fungus, mildew,
rot, normal deterioration, atmospheric or
climatic conditions, or gradually operating
cause, or any process of dyeing, cleaning
restoration, repair or alteration;
(e) Damage caused by domestic pets;
(f) Damage caused by mechanical or electrical
fault or breakdown or misuse;
(g) Damage arising from depreciation or
consequential loss;
(h) Any loss, destruction or damage otherwise
shown under Section 2 and any Extension to
Section 2 of this Policy as not insured.
(i) Confiscation or detention.
(i) The Excess shown in the Schedule.
(ii) Valuables and Money.
(iii) Damage to articles of china, glass, porcelain,
earthenware, stone and other articles of a
similarly brittle nature unless packed by
professional packers.
(iv) Any loss or damage not notified to the
Removal Contracto