Example Policy Details

NORWICH UNION HOME PLUS BUILDINGS

Subsidence excess: £1,000

Standard excess: £50

Minimum sum insured: £35,000

Summary of cover

The private dwelling and its domestic garages, greenhouses and outbuildings, swimming pools, hard courts, terraces, patios, drives, footpaths, walls gates, fences and hedges.

Insured perils:

• Fire, Explosion, Lightning, Earthquake.

• Riot, strike, labour disturbance, civil commotion.

• Malicious acts by persons.

• Impact or collision by aircraft or other aerial devices.

• Storm or flood.

• Damage to underground pipes and cables.

• Theft or attempted theft.

• Subsidence, heave & landslip.

• Escape of oil or water.

• Accidental damage of fixed glass or sanitary fittings.

• Professional fees & certain other costs.

• Cost of alternative accommodation

• Loss of Rent

• Legal Liability as a Home Owner.

Accidental damage option (If selected):

The company will indemnify the insured against accidental damage to the buildings other than that already provided.

Norwich Union Home Plus Contents

Standard excess: £50

Minimum sum insured: £15,000

No one item of valuables to exceed £1,500 or 5% of the contents sum insured.

Basis of Claim Settlement

New for old - except for clothing and household linen for which wear and tear will be deducted.

Summary of cover:

• Household goods, personal effects, fixtures & fittings, including property of members of your clients family permanently residing with them, are covered while in the home. Tenants interior decorations are also covered.

• Insured perils:

• Fire, Explosion, Lightning, Earthquake.

• Riot, strike, labour disturbance, civil commotion.

• Malicious acts by persons.

• Impact or collision by aircraft or other aerial devices.

• Storm or flood.

• Damage to underground pipes and cables.

• Theft or attempted theft.

• Subsidence, heave & landslip.

• Escape of oil or water.

• Loss of metered water up to £750.

• Accidental damage on TV, audio, video & home computer equipment.

• Impact by vehicles, animals, falling trees & aerials

• Accidental loss of Heating Oil

• Accidental damage cover to mirrors & fixed glass in furniture

• Property in the open up to £500 (within boundaries of the home).

• Spoilage of food in deep freezer(s) up to £300.

• Rent / cost of alternative accommodation up to 20% of sum insured.

• Covers all members of family permanently residing at the premises from

• death up to £2,000 by fire, thieves, explosion or lightning.

• Death benefit cover applies if death occurs within 90 days of incident

• Contents temporarily removed from the home up to 20% of the sum insured.

• Personal liability up to £1,000,000

• Legal Liability as an employer of domestic staff

• Replacement of locks following theft of keys - up to £100

• Loss of key cover also includes keys to domestic safes / burglar alarm

Accidental damage option (If selected):

 The company will indemnify the insured against accidental damage to the buildings other than that already provided.

• Personal belongings option (If selected)

• This includes items worn or carried such as jewelers, watches, furs, binoculars, musical, photographic and most sports equipment.

• All items can be covered by one sum insured where the individual value of any one item does not exceed the single article limit of 20% of the sum insured (Maximum single article limit - £1,500).

• Articles which exceed the single article limit and certain articles not covered by clothing and personal effects may be specified.

• Personal money and credit card option (IF selected)

• Covers personal money including cash, cheques, postal orders, season tickets, travel tickets, travellers cheques and credit, cheques guarantee and cash cards all held for social, domestic or charitable purposes.

• Pedal cycles option (If selected)

• Covers all pedal cycles.

• Small craft option (If selected)

• Covers the craft and its inboard engine (if applicable) plus an option to cover the outboard motor, trailer/trolley and other special equipment.

• Separate proposal form to be completed.

• Caravan option (If selected)

• Covers the caravan and its fixtures, fittings, furnishings and utensils while therein plus an option to cover ancillary equipment (comprising awnings and camping equipment).

• Separate proposal form to be completed.

HOMEWORKER COVER AVAILABLE - PLEASE REFER TO NORWICH UNION FOR DETAILS

POLICY EXCLUSIONS

These are some of the main exclusions. The Policy details all the exclusions.

Contents

• Business goods

• Collision damage caused by domestic animals

• Mechanically or electrically propelled vehicles other than motorized domestic gardening equipment

• Theft of pedal cycles within the open within the boundaries of the home.

Buildings

• Storm or flood damage to fences, gates or hedges.

Personal Belongings

• Theft from vehicles unless from a locked boot, luggage compartment or glove compartment

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 Business Services manager, Norwich Union Insurance Group, Surrey Street, Norwich. NR1 3NG.

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 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:

Composite Legal Expenses 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.