Example Policy Details

Zurich Solutions - Summary Of Cover

BUILDINGS (if selected)

Home Solutions will insure the buildings of the home (which includes garages, outbuildings, fixtures and fittings, patios, terraces, sunken swimming pools, hard tennis courts, ornamental ponds, fountains, septic tanks, central heating fuel tanks, paths, drives, walls, gates, fences, railings and lamp posts) against loss or damage caused by:

• Fire, explosion, lightning or earthquake

• Smoke

• Riot and malicious acts

• Storm or flood (but not gates, fences or railings)

• Subsidence, heave or landslip

• Escape of water from pipes and tanks

• Escape of oil from pipes and tanks

• Theft including damage due to break in

• Falling trees

• Impact

• Aerial breakage or collapse.

In addition, we will pay for:

• Temporary accommodation and rent lost (up to 20% of sum insured)

• Architects', surveyors' and other professional fees

• Demolition and site clearance costs

• Any costs to comply with local authority requirements

• Accidental breakage of fixed sanitary ware and fixed glass, including double glazing

• Accidental damage to drain inspection covers, cables or underground pipes

• Property owners' liabilities up to £2,000,000 each claim

• Stolen keys (up to £250) to replace locks.

Excesses

A £50 excess applies in respect of each claim, except for:

• Subsidence, heave or landslip (£1,000 excess)

• Property owners' liabilities (no excess)

• Gas Boiler and Central Heating cover option (no excess).

Zuricare Assistance

Zuricare Assistance, our emergency call out service, is provided automatically by Home Solutions.

With one telephone call, customers are assured of immediate access to a large number of selected local tradesmen, 24 hours a day, every day.

CONTENTS (if selected)

Home Solutions provides wide-ranging cover for household contents - furniture, carpets, curtains, pictures, TV, hi-fi, kitchen equipment, PCs, ornaments, clothing, personal possessions, etc.

Home contents will be automatically insured against:

• Fire, explosion, lightning, earthquake or smoke damage

• Theft (including damage by thieves)

• Storm or flood damage

• Escape of water or oil from pipes or tanks

• Malicious damage

• Falling trees

• Impact damage.

Basis of Claim Settlement

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

Excess

A £50 excess applies in respect of each claim.

Automatic Sum Insured £40,000

Valuables single article limit £2,000

Cover and Limits

Accidental damage to audio & visual equipment and computers

Accidental damage to mirrors and glass in furniture unlimited

Food in freezer or refrigerator £1,000

Loss of oil and metered water £1,000

Cost of temporary accommodation £5,000

Prams and wheelchairs £500

Personal liability cover (including liability for domestic employees) £2,000,000

December and wedding gifts (additional cover) £3,000

Personal money in home £250

Contents in open £500

Contents temporarily removed £5,000

Jury service £50 per day

Title deeds £500

Replacement locks following theft of keys £250

Home Working

Equipment Cover

Cover is automatically included for office type equipment in the home which is used for business purposes.

Optional Covers

Contents Gold Accidental Damage Cover Option - If selected

Personal Possessions - If selected

Automatic sum insured £3,000

Single article limit £1,000

Personal money/credit cards £250

Pedal cycles (each cycle) £250

Other items should be insured under the specified personal possessions extension.

** IMPORTANT **

Whilst every care has been taken with this information, only the main terms and conditions can be shown.

A full specimen policy is available on request.

POLICY EXCLUSIONS

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

Contents

· Business goods

· Collision damage caused by domestic animals

· Mechanically or electrically propelled vehicles other than

· motorised 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:-

Service Centre Manager, Zurich House, PO Box 310, Stanhope Road, Portsmouth, Hampshire. PO1 1ZP.

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.