This is a sample Policy document that provides full ...

This is a sample Policy document that provides full wording for all the covers we offer.

All available options are on our website which will enable you to choose the level and type of cover. Once you have bought your Policy you will be provided with the documentation specific to what you have requested.

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ADH 15.10a

Section

Buildings Covers Causes

Contents Covers Causes

Personal Possessions

Essential Information General Conditions Cancelling Your Cover General Exclusions Definitions Claims Conditions Making a Complaint Sharing of Information

Bicycle Cover

Student Cover

Home Assistance

Family Legal Protection

Page

3 3 6

9 9 15

17

19 19 22 24 26 29 33 35

36

37

38

46

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ADH 15.10a

Buildings Insurance

What your policy covers:

What your policy does not cover:

We will pay you up to the maximum buildings cover limit for any one claim under buildings cover and the causes detailed in this section.

Buildings cover Limit - please refer to your schedule.

? Excess: shown in the schedule.

? Items listed under `General Exclusions'. Refer to the Essential Information document.

? The exclusions listed in this column. These exclusions relate to the corresponding cover identified in the left column.

Cover

What your policy covers:

What your policy does not cover:

Within your overall limit (unless a different limit or sub limit is highlighted) the following covers are included:

1. Architects fees / Debris clearance Following a valid claim for damage under buildings Causes below, we will also pay: ? Architects, surveyors, consulting engineers and legal fees, but not fees for preparing a claim; ? the cost of clearing debris from the site or demolishing or shoring up the buildings; ? the cost to comply with government or local authority requirements but not if the order predates the loss or damage.

2. Emergency services forced entry Loss or damage to the buildings caused when the fire, police or ambulance service has to force an entry to the buildings because of an emergency or perceived emergency involving you or your family.

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ADH 15.10a

3. Moving Home If you have entered into a contract to sell the home, the person buying it will have the full protection of your policy for the buildings up to the date of completion of the purchase, as long as the home is not covered by any other insurance.

4. Keys & locks If your keys are lost or stolen we will pay up to the limit for any one claim for the cost of replacing keys and locks or lock mechanisms to: ? external doors and windows of the home (but not to a garage or outbuildings); ? a safe within the home; ? an alarm protecting the home.

Limit ? please refer to your schedule

5. Alternative Accommodation We will pay you up to the limit for any one claim for the reasonable cost of alternative accommodation for you, your family and your domestic pets when your home cannot be lived in due to loss or damage covered by this policy..

Limit ? please refer to your schedule

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ADH 15.10a

6. Property Owners Liability We will pay you up to the limit for any one claim or series of claims arising from any one event or one source or original cause that you or your family become legally liable to pay as compensation (including costs and expenses agreed by us in writing) occurring during the period of insurance in respect of accidental: ? death, bodily injury or illness of any person who is not a member of your family residing with you or an employee of either you or your family; ? damage to property not belonging to or in the custody or control of you or your family or domestic staff.

Your legal liability to pay compensation arising directly or indirectly from:

? an agreement which imposes a liability on you which you would not be under in the absence of such agreement;

? arising more than seven years after this policy has expired or been cancelled;

? your ownership of any land or buildings other than the home and its land;

? the use of the home for any business, trade, profession or employment;

? death, bodily injury or damage caused by lifts, hoists or motorised vehicles or craft;

? rectifying any fault or alleged fault;

Arising from: ? your ownership (but not occupation) of the

buildings; ? defective work carried out by you or your

family or on your behalf to any private residence within the United Kingdom disposed of by you or your family before the occurrence of bodily injury or damage in connection with such private residence.

Any liability which is covered under another Policy.

In the event of your death we will treat your legal representative as you for liability incurred by you

Limit ? please refer to your schedule

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ADH 15.10a

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