Example Policy Details

  Buildings Insurance

• Section Excess £50

• Fire, Explosion, Lightning and Earth quaked

• Storm, Tempest and Flood ,Riot

• Malicious Damage

• Collision/Falling Objects

• Theft or Attempted Theft

• Subsidence (Policy excess £1000)

• Surveyors Fees

• Escape of Water

• Escape of Oil

• AD to Cables and Underground Services

• AD to Glass, Sanitary Fittings

• Loss of Rent/ Alternative Accommodation (limited to 20% of Sum Insured)

• Owners Liability up to £2m

• Personal Liability up to £2m

Contents Insurance

• Section Excess £50

• Valuables (limit to 25% of Sum Insured, Single Article or collection £2,000)

• Fire, Explosion, Lightning and Earthquake

• Storm, Tempest and Flood

• Riot

• Malicious Damage

• Collision/Falling Objects

• Theft or Attempted Theft (limit of £l,000 in outbuildings)

• Subsidence

• Frozen Foods (Maximum £300)

• Money (Maximum £250 which includes credit cards)

• Contents away from Home 15% of the Sum Insured

• Escape of Water

• AD loss of metered water (limit to £1,000)

• AD to TV, computers, video and audio equipment

• AD to Glass

• Employers Liability £lOm

• Tenants Liability 10% of the Sum Insured

• Personal Liability £2m

• Loss of Rent/Alternative Accommodation (limit to 20% of the Sum Insured)

• Escape of Oil

• Increase for Christmas and Weddings (limit to 10% increase to Sum Insured)

• Business Property £2,500 (stock £1,000)

• Fatal Accident £5,000

• Property in the Open £500

• Key Replacement £250 of Sum Insured

• Unrecovered Damages If Additional Cover selected £1/2m Indemnity

• Removal to New Address If Additional Cover selected

• Accidental Damage If Additional Cover selected

Personal Possessions Insurance

• Section Excess £50

• All Risks Unspecified Personal Possessions Limit £1,000 per item

• Limit £500 for money, £400 per pedal cycle

• This is a summary of cover.

• For further details please refer to the Prospectus and Policy.

THE HOUSEHOLD LAWYER

This product is included with every household policy and provides the following cover:

The product includes access to a Legal Helpline to give 'first aid' advice, 24 hours a day, 365 days a year, on any personal legal matter. Helpline Tel. No: 01444 442555.

LEGAL EXPENSES

What is covered:

Europ Assistance will institute legal proceedings on your behalf to seek compensation in connection with:

Consumer disputes involving the sale, purchase or hire of goods or services, including the sale or purchase of the home.

        ii) Civil claims relating to physical damage to the home.

        iii) Claims arising from your personal injury or death except when involving a motor vehicle owned by you or for which you are legally responsible.

The policy is subject to various terms, conditions and conditions, for a full wording, please ask for details.

This is just a summary of cover for a complete explanation of all covers, please refer to the full policy wording, which can be obtained from the insurer or through your insurance advisor.

COMPLAINTS PROCEDURE

Our aim is at all times to provide a first class standard of service. However, there may be occasions when you feel that this objective has not been achieved.

Should you have any query or complaint regarding this insurance please contact.

The Customer Relations Dept. CETA Ltd. Astley House, Cromwell Business Park, Chipping Norton, Oxfordshire. OX7 5SR.

If after taking this action you are still dissatisfied please write to:-

The Customer care manager, Guardian Insurance, One Aldgate, London. EC3N 1RE.

Should you remain dissatisfied, you may short of court action:

         a) if a private policyholder, approach the Insurance Ombudsman Bureau, City Gate 1, 135 Park Street, London. SE1 9EA.

         b) approach the Association of British Insurers, Consumer Information Dept, 51 Gresham Street, London. EC2V 7HQ.

Alternatively, one of its regional offices may be contacted for which the addresses and telephone numbers can be found in local telephone directories.

When contacting any of the above please remember to quote your policy number.

The Policy

These notes are a summary of the main policy document. It does not describe all of the benefits available, nor does it show all of the limits and exclusions. Guardians modern English policy clearly sets out What is covered and What is not covered, and a copy is freely available on request from CETA or your local Guardian Insurance office.

When contacting any of the above please remember to quote your policy number."