Rainbow Insurance Policy

IMPORTANT INFORMATION

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Notwithstanding the above, Legal & General Assurance Society Ltd. retains ownership of copyright in all such reproductions, copies or derivatives.
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Copyright © Legal & General Assurance Society Limited, August 1998.
Temple Court, 11 Queen Victoria Street, London EC4N 4TP. All rights reserved

Legal & General Insurance Limited.
Registered in England No. 423930
Registered Office: Temple Court, 11 Queen Victoria Street, London EC4N 4TP
A member of the Association of British Insurers
A member of the General Insurance Standards Council
www.legalandgeneral.com

Y0377 05/01 NUM3 Approval Number: H6673 Expiry Date: 31/05/02

Index
Rainbow Insurance Policy
Your Schedule Enclosed separately

Introduction 2
Law Governing the Contract 2
Preamble 3
Policy Definitions 4
Section 1 - Buildings 8
Section 2 - Contents 15
Section 3 - Personal Possessions 27
Section 4 - Caravan 31
Section 5 - Small Craft 34
Section 6 - Family Legal Protection 37
General Exceptions and Conditions 44
Endorsements 48
Customer Helplines 50
Making a Claim 51
Our Commitment to your Satisfaction 52

Introduction
Thank you for taking out Rainbow household insurance with Legal & General.
This is your policy. Please keep it in a safe place, with your schedule.
We have tried to make your policy as straightforward as possible by:
- Wording it as simply as we can
- Structuring the document in a way which should make it easy to follow.
Your schedule shows those sections you have chosen - please check that you have the cover you want.
If you do have any queries, or wish to change your cover you should contact us at the address shown on your schedule or contact your insurance adviser.
Important
Please make sure you notify us as soon as reasonably possible if there are any changes to your circumstances which may affect this insurance, for example:
- Changing your address, the use or nature of your home
- Leaving your home unoccupied for longer periods than 40 days
Finally, we are committed to your satisfaction and if you do have a complaint, the full procedure is described at the back of this booklet.
Law Governing the Contract
This contract is governed by the law of England and Wales.
If you Change your Mind
If you are not satisfied with the level of cover your policy provides we will refund your premium in full. However, you must return your policy to us within 14 days of issue without having made any claims in the meantime.

Preamble
1. The policy booklet, the schedule, any applicable endorsements, appendices and memoranda (that may be issued to you at renewal) must be read together as one contract. Any word or expression to which a specific meaning has been given either in the Policy Definitions or the Section Definitions bears the same meaning wherever it appears printed in bold type.

2. In return for having received and accepted your first premium, and any further premiums we may require, we will insure you under those sections shown on your schedule against loss, damage or liability occurring during the period of insurance subject to the terms and conditions of this policy.

3. This contract is governed by the law of England and Wales.

For and on behalf of Legal & General.

John Castagno
Director

Policy Definitions

Business Equipment	Computers, modems, keyboards, monitors, printers, word processing and computer-aided design equipment, facsimile machines, photocopiers, typewriters, telecommunication equipment and office furniture.
Credit Cards	Credit cards, charge cards, cheque cards and cash dispenser cards all held solely for private or domestic purposes.
Electronic Equipment	i) any computer equipment, system or software; or ii) any product, equipment or machinery containing, connected to or operated by means of a date processor chip.
Electronic Failure	Any loss or damage to any property (including computers and loss or corruption of data) caused, directly or indirectly, by the failure of any electronic equipment i) whether belonging to the insured or not; and ii) at any time whether before, during or after the year 2000 correctly to recognise, accept, respond to or process any date or part of a date or any data or instruction.

High Risk Property	Articles of jewellery, pearls, gemstones, gold, silver or precious metal Pictures, works of art and curios Stamp or coin collections Computers. Clocks, watches, cameras, camera equipment and binoculars Business equipment.
Home	The private dwelling, garage and domestic outbuildings at i) the address stated on the schedule ii) any other address detailed by endorsement.
Insured	The policyholder and any member of the policyholder’s family permanently residing at the home.
Legal & General	Legal & General Insurance Limited.
Money	Current legal tender, cheques, postal and money orders, postage stamps not forming part of a stamp collection, savings stamps and savings certificates, luncheon vouchers, travellers’ cheques, travel tickets, premium bonds and gift tokens all held solely for private or domestic purposes.
Period of Insurance	The period of insurance stated on your schedule.

Period of Unoccupancy	Any period exceeding 40 consecutive days during which the home is not being lived in.
Policy	The policy booklet, the schedule, and any applicable endorsements, appendices and memoranda which may apply.
Policyholder	The person(s) named as policyholder on the schedule.
Sanitaryware	Wash basins and pedestals, sinks, bidets, lavatory pans and cisterns, shower trays, shower screens, baths and bath panels but not including swimming pools.
Security Requirements	1. Each door used as the home’s main entrance or final exit must be fitted with either: a) a lock made to the specification of the British Standard BS 3621 or b) any other lock agreed by us. 2. All other external doors (excluding metal framed patio doors) to the home must be fitted with either: a) a lock made to the specification of the British Standard BS 3621 or b) any other lock and key-operated security bolts which mortice into the door top and bottom. or c) any other protections agreed by us.

	3. All metal framed patio doors must be fitted with either: a) manufacturers key-operated deadlocks or security bolts or b) any other lock agreed by us. 4. All accessible windows, fanlights and other openings to the home must be fitted with one or more of the following: a) key-operated security bolts; b) key-operated window locks; c) permanent or key-operated window stops; d) adhesive on glass louvred window panes to prevent easy removal of glass panes; e) any other protections agreed by us.
Us, We or Our	Legal & General Insurance Limited.
You or Your	The policyholder and any member of the policyholder’s family permanently residing at the home.

Section 1
Building - Definitions Buildings The home, and its landlord’s fixtures and fittings, permanently installed swimming pools, tennis courts, paved terraces, paths, drives, walls, fences, gates, hedges, service tanks, drains, pipes, permanently connected cables and central heating oil tanks, all sited within the boundaries of the land belonging to the home.	but excluding n The first £50 of each and every incident of loss or damage under Part 1 of this Section (other than for 5. Subsidence or heave of the site on which the buildings stand or landslip).
Part 1 Buildings The buildings are insured against loss or damage caused by 1. Fire, smoke, explosion, lightning or earthquake 2. Riot, civil commotion, strikes or labour disturbances 3. Malicious acts or vandalism 4. Storm or flood 5. Subsidence or heave of the site on which the buildings stand or landslip	We will not pay for Loss or damage occurring during a period of unoccupancy Loss or damage caused by you, your domestic employees, paying guests or tenants Loss or damage caused by frost, subsidence, heave or landslip Loss or damage to fences, gates and hedges The first £1,000 of each and every incident of loss or damage

We will not pay for
Loss or damage

a) to swimming pools, tennis courts, service tanks, central heating oil tanks, terraces, paths, drives, walls, fences, gates and hedges unless the home is damaged by the same cause and at the same time
b) caused by compaction
of infill
c) occurring whilst the buildings are undergoing demolition, structural
alterations or structural repairs
d) caused by settlement, shrinkage or expansion
e) caused by river or
coastal erosion
f) arising from defective
design, defective materials,
or faulty workmanship
g) arising from movement of solid floors unless the foundations beneath the exterior walls of the home are damaged by the same cause and at the same time

6. Theft or attempted theft

Loss or damage occurring during a period of unoccupancy
Loss or damage caused by you, your domestic employees, paying guests or tenants

7. Escape of water from or frost damage to any washing machine, dishwasher or plumbed-in domestic water or heating installation	We will not pay for Loss or damage occurring during a period of unoccupancy
8. Collision with any aircraft or other aerial device (or anything dropped from them) or with any vehicle or animal
9. Leakage of oil from any fixed oil-fired heating installation	Loss or damage occurring during a period of unoccupancy
10. Falling trees	Loss or damage to trees
11. Falling television and radio receiving aerials, aerial fittings or masts This section also provides insurance against
12. Accidental damage to underground pipes or cables serving the buildings	Damage for which you are not legally responsible
13. Accidental breakage of i) fixed glass including ceramic hobs forming part of the buildings ii) fixed sanitaryware forming part of the buildings We will not pay for	Breakage occurring during a period of unoccupancy
Paragraph 14 only applies if your schedule shows that Accidental Damage to Buildings is included The buildings are insured against 14. Accidental damage however caused	We will not pay for Electronic failure The cost of maintenance and normal redecoration Damage caused by settlement or shrinkage

We will not pay for

Damage caused by wear and tear, depreciation, rot, fungus, insects, vermin, atmospheric or climatic conditions or other gradually operating cause

Damage caused by chewing, scratching, tearing or fouling by domestic pets

Damage caused by faulty workmanship, defective design, or the use of defective materials

Damage occurring whilst the buildings or any part of them are let or lent

Any damage specifically excluded elsewhere in this policy

We also provide cover for
A. Loss of Rent and Alternative Accommodation

During the period your home is made uninhabitable by any cause insured under this section we will pay for

i) loss of rent which ceases to be payable to you

ii) any ground rent which continues to be payable by you

iii) the cost of comparable alternative accommodation if you are the occupier

B. Any purchaser following the sale of the buildings If you contract to sell the buildings the purchaser will be entitled to the benefit of the cover provided by Part 1 of Section 1 of this policy between exchange of contracts

and completion of the sale provided that

i) the purchaser completes the purchase and

ii) the buildings are not otherwise insured

We will not pay for

C. Additional Costs
If the following costs are incurred with our consent in making good the insured loss or damage we will pay for

i) architects’, surveyors’, consulting engineers’ and legal fees

ii) the cost of clearing the site and making safe the damaged parts of the buildings

iii) costs incurred solely because of the need to comply with any statutory requirement or local authority bye-law

iv) the cost of making good damage to landscaped gardens caused by Fire Brigade equipment and personnel in the course of combating fire

Fees incurred in the preparation of a claim

The cost of stabilising the site

The cost of removing trees other than as is necessary to enable repairs to be carried out

Costs arising from a notice served prior to the date of the loss or damage

Inflation Protection Under Part 1

The sum insured under Section 1 is linked to the House Rebuilding Cost Index published by the Building Cost Information Service of the Royal Institution of Chartered Surveyors. If this index ceases to be published we will use a suitable alternative index.
Each month the sum insured is automatically adjusted in line with changes in the index. At renewal the premium will be based on the adjusted sum insured. For your protection should the index fall below zero we will not reduce the sum insured.
During the period of repairs resulting from loss or damage the sum insured will continue to be index linked provided you ensure that the work is carried out without delay.

Claims Settlement Under Part 1

If the buildings are damaged as a result of any of the causes insured under this policy

1. We will pay the cost to us of any necessary replacement or repair work carried out provided that immediately prior to the incident giving rise to the damage
a) the buildings are in good repair and
b) the sum insured is sufficient to allow complete rebuilding of the buildings including Additional Costs

2. We will either make a deduction for wear and tear from the cost to us of any necessary replacement or repair work or at our option pay the reduction in market value resulting from the damage, where
a) replacement or repair is not carried out, or
b) immediately prior to the incident giving rise to the damage i) the buildings are not in good repair, or
ii) the sum insured is not sufficient to allow complete rebuilding of the buildings including Additional Costs.

3. The maximum amount we will pay in respect of any one claim
a) is the sum insured (subject to inflation protection) recorded against buildings on your schedule and
b) for Loss of Rent and Alternative Accommodation is 20% of the sum insured on buildings.

The sum insured will not be reduced following payment of a claim provided that all replacement or repair work is completed and any reasonable recommendations we make to prevent further damage are carried out without delay.

Part 2
Property Owners Liability to Third Parties

We will indemnify you against liability at law.
For damages payable in respect of
- death or bodily injury
(including disease and illness)
- loss of or damage to material property
caused by an accident occurring during the period of insurance and incurred by you
a) as owner of the buildings
b) in respect of any buildings previously owned and occupied by you for residential purposes and incurred by virtue of Section 3 of the Defective Premises Act 1972 or the Defective Premises (Northern Ireland) Order 1975 provided that
- no other policy covers the liability
- you had sold the buildings before the incident giving rise to the liability occurred.

If you cancel this policy when you sell your home the cover provided by paragraph b) above will continue for 7 years from the date that cover was cancelled, provided no other policy covers the liability.

We will not pay for liability arising from

Death of or bodily injury (including disease and illness) to the insured or any person employed by the insured

Loss of or damage to material property belonging to you or under your charge or control

Your business or profession

Accidents for which you may be responsible as occupier of the buildings

The use or possession of lifts or mechanically propelled vehicles

A contractual obligation

Claims Settlement Under Part 2

The maximum amount we will pay is £2,000,000 in respect of any one claim or number of claims arising out of any one accident.
We will also pay all legal costs and expenses which you have to pay provided they are incurred with our written consent.
If you die we will indemnify your personal representatives against any liability incurred by you and insured by this policy.

Contents in the Home and Occupiers Liability

Section 2
Contents - Definitions Contents

Household goods, personal belongings and business equipment owned by you or for which you are legally responsible including

i) pedal cycles - not exceeding £250 any one cycle and

ii) money - not exceeding £200 and

iii) fixtures and fittings in the home.

but excluding

Mechanically propelled or assisted vehicles and conveyances (other than domestic gardening equipment and electric wheelchairs) whether licensed for road use or otherwise or parts and accessories on or in any of them

Caravans, trailers, aircraft, hovercraft, boats or parts and accessories on or in any of them

Livestock or pets

Securities for money and documents

Landlord’s fixtures and fittings

Property held or used for business purposes (other than business equipment)

Any part of the buildings

Property more specifically insured

The first £50 of each and every incident of loss or damage under Part 1 of this Section

Part 1
Contents

The contents are insured against loss or damage caused by

1. Fire, smoke, explosion, lightning or earthquake

2. Riot, civil commotion, strikes or labour disturbances.

3. Malicious acts or vandalism	We will not pay for Loss or damage occurring during a period of unoccupancy Loss or damage caused by you, your domestic employees, paying guests or tenants
4. Storm or flood
5. Subsidence or heave of the site on which your home stands or landslip	Loss or damage caused by a) compaction of infill b) settlement, shrinkage or expansion of the building c) river or coastal erosion Loss or damage arising from defective design, defective materials or faulty workmanship Loss or damage occurring whilst the home is undergoing demolition, structural alterations or structural repairs
6. Theft or attempted theft	Money unless force is used to gain entry to the home Any loss or damage if the home is let or lent unless force is used to gain entry to the home Loss or damage occurring during a period of unoccupancy Loss or damage caused by you, your domestic employees, paying guests or tenants

7. Escape of water from any washing machine, dishwasher or plumbed-in domestic water or heating installation	We will not pay for Loss or damage occurring during a period of unoccupancy
8. Collision with any aircraft or other aerial device (or anything dropped from them) or with any vehicle or animal	Loss or damage caused by domestic pets
9. Leakage of oil from any fixed oil-fired heating installation	Loss or damage occurring during a period of unoccupancy
10. Falling trees
11. Falling television and radio receiving aerials, aerial fittings or masts
This section also provides insurance against 12. Accidental damage to business equipment, televisions and their aerials, satellite de-coders, radios, computers and ancillary equipment, video cassette recorders and other recording, audio and video equipment	We will not pay for Electronic failure Wear and tear Electrical or mechanical breakdown Damage caused in the process of cleaning, maintenance, repair or dismantling Damage to records, cassettes, discs, diskettes or recording tapes Damage to items designed and intended to be portable (other than computers and televisions) or to hand held computer equipment and games

13. Accidental breakage of mirrors and glass tops to furniture and fixed glass (including ceramic hobs) in furniture

We will not pay for

Paragraph 14 only applies if your schedule shows that Accidental Damage to Contents is included

The contents are insured against

14. Accidental damage however caused

We will not pay for

Electronic failure

Damage to clothing (including furs), money, food and drink

Damage caused by chewing, scratching, tearing or fouling by domestic pets

Damage whilst the home or any part of it is let or lent

Damage caused by scratching, denting, wear and tear, depreciation, rot, fungus, insects, vermin, atmospheric or climatic conditions, the effect of light, or other gradually operating cause

Damage caused by dyeing, process of cleaning or restoring, maintenance, repair or dismantling, electrical or mechanical breakdown

The cost of remaking any film, tape or disc or the value of any information contained on it

Damage caused during household removal

Loss or damage specifically excluded elsewhere in the policy.

We also provide cover for A. Alternative Accommodation During the period your home is made uninhabitable by any cause insured under this section we will pay for the cost of comparable Alternative Accommodation.	We will not pay for
Loss or damage to contents during Household Removal The contents are insured against accidental loss or damage whilst in transit between your home and your new permanent residence within Great Britain, Northern Ireland, Channel Islands or the Isle of Man by professional removal contractors including temporary storage of up to three days.	Loss of or damage to china, glass, earthenware and other items of a brittle nature unless they have been packed by professional packers.
Your Liability as a Tenant We will indemnify you against your Legal Liability as a Tenant - for loss, damage or breakage to the home and to landlords fixtures and fittings from any cause described in paragraphs 4, 6, 7, 9, 11, 12 and 13 of Part 1 of Section 1 of the policy. - for damage to internal decorations caused by fire or smoke.

We also provide cover for D1. Contents Temporarily Removed from your home The insurance provided by paragraphs 1-11 of this section also covers loss or damage to contents	We will not pay for
i) in any building in Great Britain, Northern Ireland, Channel Islands or the Isle of Man where you are residing whilst attending full time education	i) Theft unless force is used to gain entry to the building
ii) in any bank, safe deposit, occupied private dwelling, building or caravan in Great Britain, Northern Ireland, Channel Islands or the Isle of Man where you are residing (other than whilst attending full time education) or are employed	ii) Theft of money unless force is used to gain entry
iii) elsewhere in Great Britain, Northern Ireland, Channel Islands or the Isle of Man	iii) Loss or damage caused by a) storm or flood to property in the open b) theft or attempted theft unless the contents are in a building or caravan and force is used to gain entry or in transit to or from a bank or safe deposit. c) theft of money unless the theft is from a building or caravan where force is used to gain entry iv) Loss or damage occurring within the boundaries of the land belonging to your home

We also provide cover for

D2. Contents In The Open The insurance provided by paragraphs 1-11 of this section also covers loss or damage to contents left in the open but within the boundaries of the land belonging to your home up to an amount of £500

We will not pay for

Loss of or damage to pedal cycles

E. Theft of Keys

If your keys are stolen we will pay for the replacement and installation costs of door locks including keys for any external door of your home up to an amount of £250

Personal Assault

We will pay you or your personal representatives £5,000 if you or your spouse die within 60 days as a direct result of injuries received

i) in your home caused by thieves

ii) elsewhere in Great Britain, Northern Ireland, Channel Islands or the Isle of Man due to robbery or hold up or any attempt thereat

We will also pay up to a maximum of £100 for theft of money from you or your spouse due to robbery or hold up occurring away from your home

Theft of money held or used for business purposes

We also provide cover for G. Freezer Contents We will pay for food in a freezer cabinet or freezer compartment of a refrigerator at your home made unfit for human consumption due to i) a rise or fall in temperature ii) contamination by refrigerant or refrigerant fumes up to an amount of £500 We will also pay for the reasonable cost of hiring temporary alternative freezer space if the freezer cabinet or the freezer compartment of the refrigerator in which the food	We will not pay for Loss of or damage to food if the freezer cabinet or refrigerator is more than fifteen years old Loss of or damage to food held or used for business purposes Loss or damage due to the power supply authority deliberately cutting or reducing the supply to your home
H. Credit Cards We will pay for loss from fraudulent use of your credit cards by unauthorised persons up to a maximum of £500	Loss unless you have complied with all the terms and conditions under which your credit cards are issued
I. Metered Water We will pay for loss of metered water following accidental damage to domestic water or heating installations up to a maximum of £1,000
J. Seasonal Increase in Sum Insured During the period 1 December to 15 January the contents sum recorded on your schedule is increased by 10%
K. Wedding Gifts During the period of 1 month before and 1 month after your wedding or that of a member of your family the contents sum recorded on your schedule is increased by 10%

Inflation Protection Under Part 1

The sums recorded on your schedule under Section 2 are linked to the Consumer Durables element of the General Index of Retail Prices published by the Government’s Central Statistical Office. If this index ceases to be published we will use a suitable alternative index.

Each month the sum insured is automatically adjusted in line with changes in the index. At renewal the premium will be based on the adjusted sums, and for your protection should the index fall below zero we will not reduce the sums recorded on your schedule.

Claims Settlement Under Part 1

If the contents are stolen or damaged as a result of any of the causes insured under this policy

1. We will at our option

a) replace as new or

b) pay the cost to us of replacing as new or

c) repair or

d) pay the cost to us of repairing any item of contents (except for clothing more than 2 years old)

2. We will make a deduction for wear and tear from the cost to us of replacement or repair of clothing more than 2 years old

3. The maximum amount we will pay in respect of any one claim

a) for contents is the sum recorded on your schedule

b) for high risk property is

i) in total, the sum recorded against the high risk limit on your schedule

ii) for any single article the sum recorded against the high risk limit per item on your schedule

iii) for business equipment is 10% of the contents sum recorded on your schedule

c) for Alternative Accommodation is 20% of the contents sum recorded on your schedule. Rent and other costs and expenses which you would have paid but for the damage will be deducted from any payment made

d) for your Liability as Tenant is 10% of the contents sum recorded on your schedule

e) for Contents Temporarily Removed from your home is 15% of the contents sum recorded on your schedule

f) for contents in any garage and domestic outbuilding is 5% of the contents sum recorded on your schedule

g) for external satellite broadcast receiving equipment is 5% of the contents sum recorded on your schedule.

The sum recorded on your schedule will not be reduced following payment of a claim provided that all damage is made good without delay and any reasonable recommendations we make to prevent further loss or damage are carried out without delay.

Part 2
Occupiers Liability to Third Parties

We will indemnify you against liability at law
For damages payable in respect of

Death or bodily injury (including disease and illness)

Loss of or damage to material property

caused by an accident occurring during the period of insurance incurred by you

a) as occupier of

the home

land belonging to the home

any residential premises temporarily occupied for private purposes for no more than 30 days in any one period of insurance

b) as an employer of employees involved in domestic duties at your home

c) as a private individual anywhere in the world

We will not pay for liability arising from

The transmission of any communicable disease by the insured

Death or bodily injury (including disease and illness) to the insured

Loss of or damage to material property belonging to you or under your charge or control

Death or bodily injury (including disease and illness) and loss or damage to property arising out of ownership custody or control by or on behalf of you of a dog of a type specified in Section 1 of the Dangerous Dogs Act 1991 (or designated for the purposes of that Section by an order of the Secretary of State) or in the Dangerous Dogs (Northern Ireland) Order 1991

Death of or bodily injury to any employee arising out of

a) being carried in or upon a vehicle or

b) entering or getting on to or alighting from a vehicle in circumstances where any road traffic legislation requires insurance or security

Your business or profession n A contractual obligation

The ownership, use or possession of

a) mechanically propelled vehicles (other than domestic gardening implements used within the boundary of the land belonging to your home and electric wheelchairs)

b) aircraft, hovercraft, lifts or watercraft (other than hand propelled watercraft)

c) any caravan or trailer whilst being towed

The use of firearms other than sporting guns used for sporting purposes

The use of horses for racing, steeplechasing or hunting

Loss or corruption of data directly or indirectly caused by the failure or malfunction of electronic equipment belonging to you or under your charge or control

Claims Settlement Under Part 2

The maximum amount we will pay is £2,000,000 in respect of any one claim or number of claims arising out of any one accident. We will also pay all legal costs and expenses which you have to pay provided they are incurred with our written consent. If the accident involves injury (including disease and illness) to a person working for you under a contract of service or apprenticeship and the injury arises out of and in the course of such service or apprenticeship

a) the maximum amount we will pay is £10,000,000 in respect of any one claim or number of claims arising out of any one accident.

b) the maximum amount we will pay is inclusive of claimants costs and expenses and all other costs and expenses incurred with our written consent.

If you die we will indemnify your personal representatives against liability incurred by you and insured by this policy.

Part 3
Unsatisfied Court Awards

We will pay all sums up to a maximum of £250,000 which you have been awarded by a court in Great Britain, Northern Ireland, Isle of Man or Channel Islands and which still remain outstanding 3 months after the award has been made provided that

a) Part 2 of Section 2 of this policy would have operated had the award been made against you rather than to you

b) the incident giving rise to the court proceedings occurred within Great Britain, Northern Ireland, Isle of Man or Channel Islands and within the period of insurance

c) there is no appeal waiting to be heard.

Personal Possessions in and away from the Home

Section 3

Personal Possessions - Definitions Personal Property

Clothing, personal belongings and valuables

but excluding

Money, credit cards, securities and documents

Mechanically propelled or assisted vehicles and conveyances whether licensed for road use or otherwise or parts and accessories on or in any of them

Pedal cycles, caravans, trailers, aircraft, hovercraft, boats or parts or accessories on or in any of them

Business or trade goods

Household goods and domestic appliances

VERY IMPORTANT NOTICE
The value of some of your personal possessions, particularly jewellery and other valuables is likely to fluctuate considerably. We strongly recommend that you review the value of these items regularly and seek professional advice if necessary. Please notify us of any changes you require. Individual articles valued at, near to or over £1,500 should be specified separately.

If the Item is shown in your schedule we will pay for Item 1 - loss of or damage to your personal property

We will not pay for

Loss or damage listed under General Exceptions to Section 3

The first £50 of each and every incident of loss or damage

Loss or damage to property specifically insured under Item 4 of this section

Item 2 - loss of your money

Loss or damage listed under General Exceptions to Section 3

The first £50 of each and every incident of loss or damage

Loss due to error, omission or depreciation in value

Loss if not reported to the Police

Item 3 - loss of or damage to your pedal cycles

Loss or damage listed under General Exceptions to Section 3

The first £50 of each and every incident of loss or damage

Loss or damage if the pedal cycle is being used for racing

Item 4 - loss of or damage to articles specified on the Appendix to Section 3

Loss or damage listed under General Exceptions to Section 3

The first £50 of each and every incident of loss or damage

General Exceptions to Section 3

We will not pay for

Electronic failure

Loss or damage caused by scratching, denting, wear and tear, depreciation, rot, fungus, insects, vermin, atmospheric or climatic conditions, the effect of light or other gradually operating cause

Loss or damage caused by dyeing, process of cleaning or restoring, maintenance, repair or dismantling, electrical or mechanical breakdown

General Exceptions to Section 3 (continued)

We will not pay for

Loss of or damage to

a) personal property, money or pedal cycles held or used for business purposes

b) sports equipment whilst in course of play

c) remote controlled models whilst in operation

d) musical instruments involving only loss of tone, breakage of strings or breakage of drumskins

Loss or damage caused by theft or attempted theft from any unattended vehicle unless:

a) all windows and sunroofs are securely closed and all doors and the boot are locked

b) the property is completely concealed in a glove compartment, locked luggage compartment or locked boot

Loss or damage caused by theft or attempted theft of an unattended pedal cycle whilst away from your home unless:

a) in a locked building or

b) attached by a locked security device to a permanently fixed structure or

c) immobilised by a security device

Loss arising from the cost of remaking any film or tape or the value of any information contained on it

Loss or damage occurring outside Great Britain, Northern Ireland, Isle of Man or the Channel Islands if you have spent more than 60 days in total away from this country during the current period of insurance

Breakage of articles of a brittle nature unless specified under Item 4 of Section 3

Loss of or damage to business equipment unless specified under Item 4 of Section 3

Inflation Protection

The sums recorded on your schedule under Section 3 are linked to the Consumer Durables element of the General Index of Retail Prices published by the Government’s Central Statistical Office. If this index ceases to be published we will use a suitable alternative index.

Each month the sums are automatically adjusted in line with changes in the index. At renewal the premium will be based on the adjusted sums, and for your protection should the index fall below zero we will not reduce the sums recorded on your schedule.

Claims Settlement Under Section 3

1. We will at our option

a) replace as new or

b) pay the cost to us of replacing as new or

c) repair or

d) pay the cost to us of repairing any article insured under Items 1, 3 or 4 of this section without deduction for wear and tear. For clothing more than 2 years old insured under Item 1 a deduction will be made for wear and tear.

2. For loss of money we will pay the amount of the loss.

3. The maximum amount we will pay in respect of any one claim

a) for Item 1 is the sum recorded on your schedule. The maximum amount we will pay for any one article is £1,500.

b) for Items 2 and 3 is the sum recorded on your schedule. The maximum amount we will pay for any one pedal cycle under Item 3 is £250.

c) for Item 4 is the sum recorded against the article or collection on the Appendix to Section 3.

d) for Items 1, 2, 3 and 4 is £1,000 in the aggregate in respect of loss from any unattended vehicle.

SECTION 4

Part 1
Caravan

We will pay for loss or damage to

i) the caravan specified in the schedule

ii) furniture, furnishings, fixtures, fittings, household linen and utensils in or attached to the caravan

occurring

a) anywhere in Great Britain, Northern Ireland, Channel Islands or Isle of Man

b) elsewhere in Europe for up to 60 days in any one period of insurance

c) in transit by sea between ports in Europe

We will not pay for

The first £50 of each and every incident of loss or damage

Loss or damage arising whilst the caravan is being used for business purposes

Loss or damage arising whilst the caravan is let for hire or reward

Loss or damage caused by wear and tear, depreciation, rot, fungus, insects, vermin, gradually operating cause, electrical or mechanical breakdown

Damage to tyres caused by braking, punctures, cuts or bursts

Loss or damage caused deliberately by you or any person having use of the caravan

Loss or damage due to conversion

Loss or damage to equipment by theft or accidental loss occurring when the caravan is left unattended without the doors and windows being closed and locked

In addition if the caravan is on a fixed site and not being lived in and at the time of the loss or damage has not been lived in for more than 30 consecutive days

We will not pay for

Loss or damage caused by a) malicious acts or vandalism

b) theft or attempted theft

c) escape of water from or frost damage to any plumbed-in domestic water or heating installation

Accidental breakage of fixed glazing and sanitaryware forming part of the caravan

If the caravan is damaged by a cause insured under this section we will also pay the reasonable cost of

i) its protection and removal to the nearest repairers

ii) its delivery after repair to your home

iii) any Customs Duty you have to pay on the caravan as a result of it being temporarily imported into any country in Europe

We will not pay for

iv) the reasonable cost of alternative accommodation incurred whilst your caravan is being repaired up to £5 per day for a maximum of 30 days

iv) a) The cost of alternative accommodation if your caravan is being used for business purposes at the time of the loss or damage

b) Loss of hiring charges

Claims Settlement Under Part 1

If the caravan suffers loss or damage insured under this policy

1. We will at our option pay either

a) the cost of repairing the caravan or

b) if the cost of repair exceeds the market value

i) the market value if the caravan is more than 12 months old or

ii) the cost of replacement as new if the caravan is less than 12Êmonths old

2. We will at our option

a) replace as new or

b) pay the cost of replacing as new or

c) pay the cost of repairing any item of furniture, furnishings, fixtures, fittings, household linen and utensils in the caravan

3. The maximum amount we will pay in respect of any one claim

a) in respect of loss or damage to the caravan and its furniture, furnishings, fixtures, fittings, household linen and utensils is the sum insured recorded on your schedule

b) in respect of protection and removal to the nearest repairers, delivery after repair to your home and any Customs Duty you have to pay on the caravan as a result of it being temporarily imported into any country in Europe is £250

c) in respect of the cost of alternative accommodation is £150.

Part 2

Liability to Third Parties

We will indemnify you against liability at law

For damages payable in respect of

- death or bodily injury (including disease and illness)

- loss of or damage to material property

occurring during the period of insurance arising from the ownership or use of the caravan

a) in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands

b) elsewhere in Europe for the purpose of a visit not exceeding 60 days in any one period of insurance

c) in transit by sea between ports in Europe

We will not pay for liability arising from

Death of or bodily injury (including disease and illness) to the insured or any person employed by the insured

Loss of or damage to material property belonging to you or under your charge or control

An accident occurring whilst the caravan is being towed

A contractual obligation

An accident occurring whilst the caravan is being used for business purposes

An accident occurring whilst the caravan is being let for hire or reward

Claims Settlement Under Part 2

The maximum amount we will pay is £1,000,000 in respect of any one claim or number of claims arising out of any one accident.

We will also pay all legal costs and expenses which you have to pay provided they are incurred with our written consent.

We will indemnify any person using the caravan with your permission provided they are not entitled to indemnity under any other policy.

If you die we will indemnify your personal representatives against any liability incurred by you and insured by this policy.

Small Craft and Liability to Third Parties

Section 5
Small Craft - Definition Craft

The craft specified on your schedule comprising the hull, equipment, gear, outboard or inboard machinery, pram dinghy and its trailer trolley.

Part 1
Small Craft

We will pay for loss or damage to the craft occurring during the period of insurance in Great Britain, Northern Ireland, Isle of Man or Channel Islands, including their coastal waters up to 3 miles offshore.

We will not pay for

The first £50 of each and every incident of loss or damage

Theft of any outboard motor unless

a) secured to the craft with an anti-theft device or

b) contained in locked premises

Loss or damage arising from loss of use, wear and tear or natural decay

Loss or damage occurring whilst racing

Loss or damage caused by the craft being unseaworthy or otherwise unfit for the purpose and use intended

Loss or damage to sails or protective covers split by the wind or blown away whilst set unless

a) caused by the craft

i) sinking

ii) being stranded

iii) coming into collision or contact with any substance (including ice) other than water

We will not pay for

b) caused by damage to spars to which the sails are bent

Scratching or bruising whilst the craft is in transit by air, road or rail

Electrical or mechanical breakdown

Clothing, personal effects, belongings or valuables

Damage to trailer or trolley tyres by the application of brakes, or by road punctures, cuts or bursts

Loss or damage to craft let on hire, charter or used for business purposes

Loss or damage to the craft specified on your schedule whilst fitted with a motor capable of propelling the craft at a speed in excess of 17 knots

Claims Settlement Under Part 1

If the craft suffers loss or damage insured under this policy

1. We will at our option pay either

a) the cost of repairing the craft

b) if the cost of repair exceeds the market value

i) the market value if the craft is more than 12 months old

ii) the cost of replacement as new if the craft is less than 12 months old

2.ÊThe maximum amount we will pay in respect of any one claim is the sum insured recorded on your schedule.

Part 2
Liability to Third Parties

We will indemnify you against liability at law in respect of

- death or bodily injury (including disease and illness)

- loss of or damage to material property

- the cost of any attempted or actual raising, removal or destruction of the wreck of the craft, or any neglect or failure to raise, remove or destroy it occurring during the period of insurance and caused by an accident in Great Britain, Northern Ireland, the Isle of Man, or the Channel Islands including their coastal waters up to 3 miles offshore arising in connection with the craft.

We will not pay for liability arising from

Death of or bodily injury (including disease or illness) to the insured or any person employed by the insured

Loss of or damage to material property belonging to you or under your charge or control

An accident if caused whilst the craft is

a) being towed by a motor vehicle

b) let on hire or charter or is being used for business purposes

c) fitted with a motor capable of propelling the craft at a speed in excess of 17 knots

Claims Settlement Under Part 2

The maximum amount we will pay is £500,000 in respect of any one claim or number of claims arising out of any one accident. We will also pay

a) all legal costs and expenses which you have to pay provided they are incurred with our written consent

b) all costs and expenses reasonably incurred in minimising or averting a loss which would have resulted in a claim under this Part.

We will also indemnify any person sailing the craft with your permission provided they are not entitled to indemnity under any other policy but we will not indemnify any person acting for or employed by the operator of a marine shipyard, repair yard, slipway, yacht club, sales agency or similar organisation.

If you die we will indemnify your personal representatives against any liability incurred by you and insured by this policy.

Family Legal Protection

Section 6 Family Legal Protection - Definitions
Legal costs and expenses	- The legal fees and costs of legal proceedings incurred by you - Reasonable and proper payments made by the solicitor on your behalf - Costs of any civil proceedings incurred by another person for which you may be made liable by court order or may pay with our consent which are not recoverable elsewhere
Legal proceedings	- Pursuit or defence of civil, tribunal or arbitration proceedings or appeals arising from them in respect of any matter covered by this section which are subject to the jurisdiction of the courts of Great Britain, the Channel Islands, the Isle of Man and Northern Ireland. The pursuit or defence must be approved in advance by us and must be for damages, specific performance or injunction and any other type of pursuit or defence is not covered by this section - The defence of motoring prosecutions in those courts
Solicitor	- The solicitor or firm of solicitors or any other suitably qualified person, firm or company nominated to act for you. (See Condition 10 of Conditions Relating to this Section)
Cover under this section is operated by Capita Legal & Medical Services on our behalf.

We will pay legal costs and expenses of legal proceedings incurred in order to

We will not pay if

i) pursue a claim in Great Britain, the Channel Islands, the Isle of Man or Northern Ireland directly arising from one of the following events or causes which occurs within these areas and the period of insurance

a) the death of or personal injury to the insured

b) the purchase or hire of goods or services for your private use

i) The legal costs and expenses are excluded under General Exceptions to Section 6

c) an infringement of your legal rights arising from your ownership or occupation of the home

d) the breach of your contract of employment

ii) defend a claim in Great Britain, the Isle of Man, the Channel Islands or Northern Ireland directly arising from one of the following events or causes which occurs within these areas and the period of insurance

a) This involves a motor vehicle owned by you or for which you are responsible

b) i) Less than £125 is in dispute or the agreement for the purchase or hire was not made during the period of insurance

ii) This involves the failure of any electronic equipment at any time whether before during or after the year 2000 correctly to recognise accept respond to or process any date or part of a date or any data or instruction

c) The infringement occurs within 180 days of the insurance starting

d) This occurs within 90 days of the insurance starting

ii) The legal costs and expenses are excluded under General Exceptions to Section 6

a) a motoring prosecution brought against you. Pleas in mitigation will only be supported at our absolute discretion

b) the sale of privately owned goods by the insured

We will not pay if

b) i) Less than £125 is in dispute or the agreement for the sale was not made during the period of insurance

General Exceptions to Section 6

We will not pay for

The first £50 of each claim

Appeals unless

a) you notify us in writing of your wish to appeal at least 6 working days before the deadline for giving notice of appeal expires and

b) we consider the appeal to have a reasonable chance of success

Applications for judicial reviews

Legal costs and expenses

a) incurred before we have written to confirm acceptance of a claim

b) higher than we have agreed

c) where we are not reasonably sure that the defendant has sufficient assets to meet any judgement

Legal costs and expenses, fines or other penalties which a court of criminal jurisdiction orders you to pay

Claims made or considered against us

Any incident involving a motor vehicle driven by you if you do not hold (or are disqualified from holding or obtaining) a driving licence at the time of the incident

Any claim where the event or cause began before this insurance started unless in our absolute discretion we are satisfied that when the insurance started you could not reasonably have been expected to be aware that the claim might arise

General Exceptions to Section 6
(Continued)

Claims directly or indirectly caused by, contributed to by or arising from

a) your business, trade, profession or any venture for gain unless the claim relates to a breach of your contract of employment

b) a deliberately criminal, false or fraudulent act or omission by the insured

c) the planning or the construction or structural alteration of buildings or parts of them

d) subsidence, heave or landslip, mining or quarrying

e) patents, copyrights, trademarks, merchandise marks, registered designs, intellectual or artistic property, secrecy and confidentiality agreements

f) libel or slander

g) divorce, matrimonial matters, cohabitation, custody, access, maintenance or affiliation

h) any works by or under the order of any government or public or local authority

i) a dispute between landlord and a tenant

j) a dispute with a rating authority on rateable values

Any legal costs and expenses that can be recovered (or would be recoverable save for an act or omission by you which invalidates the insurance) under another section of this policy or any other insurance

Expert witness fees unless we have agreed in advance to the calling of the witness and to the amount of the fees

Your travelling expenses, subsistence allowance or compensation for absence from work

Any further legal costs and expenses if you withdraw instructions from the solicitor or you withdraw from the legal proceedings

Any claim arising under the Equal Pay Act 1970 and amending legislation

Claims Settlement Under Section 6

1. The maximum amount we will pay for any claim or claims arising from one event or cause or series of events or causes linked by cause or time is the limit shown on the schedule.

2. To make a claim use the Legal Helpline and request a claim form, complete this fully, provide any other information requested and return promptly to Capita Legal & Medical Services, Eastgate House, Stephenson Road, The Business Park, Colchester CO4 4QR.

3. You must provide us with all information we reasonably require in order to prove your claim. If your claim is accepted we will refund your reasonable costs.

4. If the claim is accepted we will write to confirm this and to provide the name and address of a solicitor whom we suggest should act for you. We will not pay any legal costs and/or expenses incurred before we have confirmed acceptance of a claim in writing, nor any legal costs unless we approve them.

5. We may investigate the case and, subject to your final approval (which you must not unreasonably withhold) try to settle it.

6. You must co-operate fully with us in all respects. You must keep us fully informed of all important developments.

7. We will have direct access to the solicitor at all times. You will instruct the solicitor to send to us as soon as reasonably possible any relevant documents, information or advice. You will give the solicitor any other instructions that he or we may reasonably require.

8. You or the solicitor will notify us as soon as reasonably possible in writing of the making of any offer or payment into court with a view to settlement. If you do not accept this offer or payment and we reasonably consider that the outcome of the case will be equally or less favourable to you than the offer or payment we shall only be liable for any further legal costs and expenses after the offer or payment was made if we have given our authority for the case to continue. If you are not satisfied with our decision the dispute must be resolved in accordance with Condition 9 of the Conditions Relating to this Section.

9. If you are unsuccessful in legal proceedings you may not take further legal action in the same case at our expense without our prior written permission.

Conditions Relating to Section 6 only

1. You must notify us in writing as soon as reasonably possible but in any event within 180 days about any matter which could result in a claim being made under this section.

2. If after receiving a claim, or at any time thereafter we decide that - your prospects of success in legal proceedings are insufficient - we cannot agree to the claim we will write to you giving our reasons. Subject to the rest of this condition we will not be bound to pay any legal costs and expenses or any further legal costs and expenses for the claim. If you are not satisfied with our decision the dispute must be resolved in accordance with Condition 9.

3. If another person is ordered or agrees to pay you all or any legal costs and expenses, charges or compensation either in full or by instalments you will do everything possible (subject to our directions) to recover the money and hold it on our behalf. If payment is made by instalments these will be paid to us until we have recovered the total amount that the other person was ordered or agreed to pay by way of costs.

4. We will not be bound by any promise or undertaking given by you to the solicitor.

5. You will send us all bills for legal costs and expenses as soon as reasonably possible on receiving them.

6. If we request it you must request the solicitor to send the bill to be examined or certified by the Law Society or any other appropriate body.

7. We may cancel this part of the insurance by giving 7 days notice in writing to your last known address. A proportionate refund of premium will be made. You may cancel this part of the insurance by giving 7 days notice in writing to us. No refund of premium will be made.

8. If there is a dispute under this section between you and us either you or we may refer it to the arbitration of a single arbitrator who will be either a solicitor or barrister to be agreed between the two sides. If they are unable to agree the President of the Law Society shall name an arbitrator. The arbitrator’s decision will be final and binding on both sides. The arbitration will be governed by the rules set out in the Arbitration Acts then in force. The costs of arbitration will be at the discretion of the arbitrator.

9. If at anytime we consider that your prospects of success in the legal proceedings are insufficient or that your interests can be better achieved by other means we will provide you with a written explanation for our decision. If you disagree with this you have the right to request us to obtain an opinion from an independent solicitor or barrister. If we are unable to agree on a suitable solicitor or barrister the President of the Law Society will be asked to provide a nomination. If the independent opinion disagrees with our view we will pay the costs of obtaining it. If the independent opinion supports our view you must bear the costs of obtaining it.

10. You may notify us of the solicitor you wish to act for you. We have the right to refuse your nomination. If we are unable to agree on a suitable solution to the matter we will ask the Law Society to nominate a solicitor to act on your behalf. We and you must accept the Law Society’s nomination. In the meantime we may appoint a solicitor to act on your behalf to safeguard your interests.

11. If you die we shall insure your legal personal representatives to pursue claims covered by this section of the policy arising from that death provided they keep to the terms of the policy.

12. You must

- give proper instructions to your solicitor and to us

- not do anything to prejudice your case.

13. Our liability to make any payment under the policy will be conditional upon the compliance with its terms and conditions.

14. If any legal costs and expenses arising under this section are also covered or covered in part by any other insurance we will be liable only for our rateable proportion of such legal costs and expenses.

15. Where reference is made to the payment of premium such reference includes your having agreed to pay under an instalment plan. If we have agreed to accept the first premium or any subsequent premium by instalment the policy remains an annual contract and if any premium instalment is not received on or before its due date then all unpaid premium instalments and credit charge become immediately due. Should the full premium and credit charge not be paid within 10 days of our giving written notice of non-payment the policy will be cancelled immediately upon expiry of such notice. Following such cancellation we will unless a claim has already been made during the current period of insurance refund any balance of premium paid after deduction of an appropriate charge for the insurance provided to the date of cancellation.

General Exceptions Applying to this Policy

We will not pay for

1. Radioactive contamination
Any loss of or damage to property, consequential loss or legal liability directly or indirectly arising from

i) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel

ii) the radioactive, toxic, explosive, or other hazardous properties of any explosive nuclear assembly or nuclear component. 2. Pollution/Contamination
Any loss damage or liability arising from pollution or contamination unless caused by

i) a sudden and unforeseen and identifiable accident

ii) leakage of oil from a domestic installation at your home.

3. Gradually operating cause
Any loss damage or liability arising from a gradually operating cause.

4. War risks
Any consequence of war, invasion, act of foreign enemy hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.

5. Confiscation
Loss of or damage to any property due to its confiscation, requisition or destruction by order of any government, public or local authority.

General Exceptions Applying to Sections 1-5 of this Policy

6. Existing damage
Any loss, damage, injury or accident occurring before cover commences.

7. Sonic bangs
Loss or damage directly caused by pressure waves from aircraft or other aerial device travelling at sonic or supersonic speeds.

8. Wilful acts
Loss or damage caused by your own wilful act.

9. Matching of items
The cost of replacing any undamaged or unbroken item or parts of items forming part of a set, suite or other article of uniform nature, colour or design when damage or breakage occurs within a clearly identifiable area or to a specific part and replacements cannot be matched.

10. Loss of value and depreciation
Loss of value and depreciation resulting from the repair or replacement of lost or damaged property.

11. Consequential loss
Consequential loss of any nature.

12. Jurisdiction
Any damages and costs awarded against you in any court outside Great Britain, Northern Ireland, Isle of Man or the Channel Islands.

General Conditions Applying to Sections 1-5 of this Policy

1. Fraud All benefit under this policy will be forfeited if any claim made is in any respect fraudulent or if any fraudulent means or device is used by you or anyone acting on your behalf to obtain payment under this policy.

2. Compliance with terms Our liability to make payment under the policy will be conditional upon the compliance with the terms and conditions of this policy.

3. Your duty to prevent loss or damage You must take all reasonable steps to safeguard any buildings, contents or property against loss or damage and to prevent accidents. In the event of loss or damage occurring you must take all reasonable steps to prevent further loss or damage to your property.

4. Changes in risk You must give us written notice as soon as reasonably possible of any change in circumstances which may increase the possibility of loss, damage or injury. (Examples of such circumstances are contained on page 2 of this policy booklet. These examples are an indication and are not exhaustive.)

5. Your obligations following a claim

In the event of a claim or possible claim under this policy you must not negotiate, admit liability or make any offer or promise or payment without our written consent

Additionally you must

i) inform the police as soon as is reasonably possible of any riot, damage, theft or loss of property

ii) notify us as soon as reasonably possible giving full particulars of the occurrence.

iii) give us written notice as soon as possible (but no later than 7 days) after you have knowledge of any pending prosecution, inquest or fatal inquiry in connection with any occurrence for which there may be liability under this policy.

iv) send us, as soon as reasonably possible, every relevant letter, claim, writ, summons or process. We will refund your reasonable costs

v) as soon as reasonably possible after the injury, loss or damage deliver a written claim to us with such detailed particulars and proofs certificates or other documents as we may reasonably require. In the event of the claim being met under the terms of this policy we will refund your reasonable costs.

vi) give all such information and assistance as we may reasonably require.

6. Our rights following a claim

In the event of a claim or possible claim under this policy we will be entitled to

i) repair reinstate or replace the property lost damaged or stolen or pay the cost to us of repair reinstatement or replacement.

Wherever possible we will arrange repair or reinstatement through our nominated repairer and replacement networks.

ii) in an emergency enter the buildings where the loss or damage has occurred and for the purpose of safeguarding the insured property against further loss or damage take and keep possession of the property insured and deal with the salvage in a reasonable manner. No property may be abandoned to us.

iii) exercise sole control at our cost over dealings with any third party claim and associated legal proceedings relevant to it. We shall keep you informed of all developments.
iv) pursue in your name but for our benefit and at our cost any claims for damages or indemnity.

7. Other insurance
If any loss, damage or liability arising under this policy is also covered or covered in part by any other insurance we will be liable only for our rateable proportion of such loss, damage or liability.

8. Written cancellation
We may cancel this policy by sending 7 days notice in writing by recorded delivery letter to you at your last known address and returning the unexpired portion of the premium paid to you subject to your rights in respect of any prior accident loss or damage.
You may cancel this policy by sending us 7 days notice in writing. Provided that you have not made a claim during the current period of insurance you will be entitled to a refund of the unexpired portion of premium subject to our retaining a minimum premium details of which are available upon request.

9. Payment by instalment
Where reference is made to the payment of premium such reference includes your having agreed to pay under an instalment plan. If we have agreed to accept the first premium or any subsequent premium by instalment the policy remains an annual contract and if any premium instalment is not received on or before its due date then all unpaid premium instalments and credit charge become immediately due. Should the full premium and credit charge not be paid within 10 days of our giving written notice of non-payment the policy will be cancelled immediately upon expiry of such notice. Following such cancellation we will unless a claim has already been made during the current period of insurance refund any balance of premium paid after deduction of an appropriate charge for the insurance provided to the date of cancellation.

Endorsements

The following endorsements apply only if they are shown on your schedule under the heading ‘Endorsements Applicable’.

BJ. £50 Excess Buildings
We will not pay for the first £50 of each and every incident of loss or damage from any of the causes specified in paragraphs 1, 2, 3, 4, 6, 7, 8, 9, 10, 11, 12, 13, and (if applicable) paragraph 14 of Part 1 of Section 1 of this policy in addition to any other amount for which you are responsible.

BK. £50 Excess Contents
We will not pay for the first £50 of each and every incident of loss or damage from any of the causes specified in paragraphs 1, 2, 3, 4, 6, 7, 8, 9, 10, 11, 12, 13, and (if applicable) paragraph 14 of Part 1 of Section 2 of this policy in addition to any other amount for which you are responsible.

BP. £100 Excess Buildings
We will not pay for the first £100 of each and every incident of loss or damage from any of the causes specified in paragraphs 1, 2, 3, 4, 6, 7, 8, 9, 10, 11, 12, 13, and (if applicable) paragraph 14 of Part 1 of Section 1 of this policy in addition to any other amount for which you are responsible.

BQ. £100 Excess Contents
We will not pay for the first £100 of each and every incident of loss or damage from any of the causes specified in paragraphs 1, 2, 3, 4, 6, 7, 8, 9, 10, 11, 12, 13, and (if applicable) paragraph 14 of Part 1 of Section 2 of this policy in addition to any other amount for which you are responsible.

BR. £250 Excess Buildings
We will not pay for the first £250 of each and every incident of loss or damage from any of the causes specified in paragraphs 1, 2, 3, 4, 6, 7, 8, 9, 10, 11, 12, 13, and (if applicable) paragraph 14 of Part 1 of Section 1 of this policy in addition to any other amount for which you are responsible.

BS. £250 Excess Contents
We will not pay for the first £250 of each and every incident of loss or damage from any causes of the specified in paragraphs 1, 2, 3, 4, 6, 7, 8, 9, 10, 11, 12, 13, and (if applicable) paragraph 14 of Part 1 of Section 2 of this policy in addition to any other amount for which you are responsible.

BT. £150 Excess Contents
We will not pay for the first £150 of each and every incident of loss or damage from any of the causes specified in paragraphs 1, 2, 3, 4, 6, 7, 8, 9, 10, 11, 12, 13, and (if applicable) paragraph 14 of Part 1 of Section 2 of this policy in addition to any other amount for which you are responsible.

BU. £200 Excess Buildings
We will not pay for the first £200 of each and every incident of loss or damage from any of the causes specified in paragraphs 1, 2, 3, 4, 6, 7, 8, 9, 10, 11, 12, 13, and (if applicable) paragraph 14 of Part 1 of Section 1 of this policy in addition to any other amount for which you are responsible.

BV. £200 Excess Contents
We will not pay for the first £200 of each and every incident of loss or damage from any of the causes specified in paragraphs 1, 2, 3, 4, 6, 7, 8, 9, 10, 11, 12, 13, and (if applicable) paragraph 14 of Part 1 of Section 2 of this policy in addition to any other amount for which you are responsible.

BX. £150 Excess Buildings
We will not pay for the first £150 of each and every incident of loss or damage from any of the causes specified in paragraphs 1, 2, 3, 4, 6, 7, 8, 9, 10, 11, 12, 13, and (if applicable) paragraph 14 of Part 1 of Section 1 of this policy in addition to any other amount for which you are responsible.

PW. Protection Warranty
There is no liability under Sections 2 and 3 of this policy for loss or damage by theft or attempted theft from the home unless:

1. The security devices fitted to the home are in accordance with our security requirements.

2. The security devices fitted to the home are put effectively into operation and keys are withdrawn from the locks and placed where they cannot be seen by anyone intent on making an unauthorised entry whenever the home is left without a responsible person in attendance.

3. Other than for windows in occupied bedrooms the security devices fitted to the home are put effectively into operation immediately before you, your family or domestic employees retire for the night.

PI. Locks Warranty
There is no liability under Sections 2 and 3 of this policy for loss or damage by theft or attempted theft from the home unless:

1. The security devices fitted to the home are put effectively into operation and keys are withdrawn from the locks and placed where they cannot be seen by anyone intent on making an unauthorised entry whenever the home is left without a responsible person in attendance.

2. Other than for windows in occupied bedrooms, the security devices fitted to the home are put effectively into operation immediately before you, your family or domestic employees retire for the night.

Customer Helplines

The following customer helplines are available to you as a Legal & General policyholder. You may use these 24 hours a day 365 days a year. The service is operated on our behalf by Capita Legal & Medical Services. Legal Advice
Expert advice on a multitude of domestic legal problems - confirmed in writing on request. Free of charge to you other than the cost of the phone call.

Certain legal costs and expenses may be covered by your policy where insurance under Section 6 - Family Legal Protection is operative.

If you need advice phone:
08705 234511* (English Law)
or
0141 332 2887 (Scottish Law) Domestic Advice

At any time, especially in a crisis such as burst pipes or burglary or glass breakage, it’s reassuring to know that our Domestic Helpline can give immediate advice and put you in touch with a reliable local tradesman.

Simply phone the Helpline and we will assist you.
08705 234511*

*Calls are charged at national rate.
For your protection we may record and monitor calls.

Making a claim

In the event of accident, loss or damage to your home or property which might give rise to a claim these are the steps you should take.

Check whether you are covered

Check your schedule which lists the sections under which you are insured

Refer to the appropriate section in your policy booklet. In it you will find details of the property insured and the cover which applies, including details of any exceptions (these are usually shown on the right hand side of the page). Remember under ‘Claims Settlement’ are a number of conditions which may affect the amount of any claim settlement. Finally also take into account the General Exceptions and Conditions.

To make your claim
Complete a claim form and return it to the address shown on the top of your schedule or to your insurance adviser.

Our Commitment to your Satisfaction

Legal & General is committed to ensuring that you are treated in a well-informed manner ... with fairness, with courtesy and with a respect for your insurance needs.

If you make a claim we will handle this in accordance with the standards of service laid down by the Association of British Insurers’ General Insurance Claims Code.

As you would expect, the Legal & General commitment extends to dealing with any possible dissatisfaction you may have in a straightforward helpful way.

We believe the key to customer satisfaction is to provide speedy access to those best placed to resolve issues quickly and efficiently.

If You Have a Complaint Please contact your local manager quoting your policy number or claim number. The address and telephone number of the main office where the manager is located are shown on your policy schedule or last renewal notice.

If the local manager is unable to resolve your complaint, you should write to the Managing Director, Legal & General Insurance, Temple Court, 11 Queen Victoria Street, London EC4N 4TP.

Insurance Ombudsman Personal Insurance customers may ask the Insurance Ombudsman to review their complaint, if it remains unresolved after the previous procedure has been followed. The address is Insurance Ombudsman Bureau, South Quay Plaza, 183 Marsh Wall, London E14 9SR.

General Insurance Standards Council You may also seek help and advice from the General Insurance Standards Council. The address of the GISC is 110 Cannon Street, London EC4N 6EU.

Your legal rights Following these procedures will not affect your rights to take legal action.