Holiday home insurance Key Facts
WHAT IS A POLICY SUMMARY?
This document provides key information about the Homes & Holiday Homes
overseas and in the UK. Please note that it does not contain the full terms
and conditions of this insurance contract; these can be found in the Homes
and Holiday Homes overseas and in the UK policy wording.
If you would like a copy of the full policy wording or have any questions,
please contact us or you can download it.
Policy name: Homes & Holiday Homes overseas and in the UK
Type of insurance: Buildings and contents insurance
Underwritten by: Certain underwriters at Lloyd’s
SIGNIFICANT FEATURES AND BENEFITS
The Homes & Holiday Homes overseas and in the UK policy is specifically
designed for people with a holiday home abroad and in the UK.
Key benefits include:
Broader Cover
Key benefits include:
• Public liability (£5,000,000 / €7,500,000) cover
• Employers’ liability (£5,000,000 / €7,500,000) cover
• Additional accidental damage
• No inspection clauses
• Emergency travel, should you need to travel abroad to mitigate the outcome
of a claim, and alternative accommodation.
• Loss of rent following a claim
• Payment by interest-free Direct Debit which is a significant saving
compared to most insurers
• A sensible approach to security requirements
• Cancellation period extended from 14 to 30 days
QUESTIONS AND COMPLAINTS
If you have a question or complaint, please contact us directly using the
details below:
The Managing Director
Intasure
Phoenix House
11 Wellesley Road
Croydon CR0 2NW
United Kingdom
Tel: +44(0)845 111 0670
Fax: +44(0) 845 111 0682
BUILDINGS SECTIONS
See Section 1 of the policy booklet for details.
BUILDINGS
Significant Features and Benefits
Cover is provided for an extensive list of perils such as fire, storm,
earthquake, flood, theft, etc. – see policy booklet.
Policy Summary
In addition cover is provided for:
Any permanent structure used for domestic purposes within the ground of
your home or holiday home including:
• Fixtures and fittings;
• lifts
• domestic fixed fuel tanks; including gas, LPG and oil tanks;
• Swimming pools;
• outbuildings and permanent structures;
• radio and television aerials, satellite dishes, their fittings and mast;
• wind turbines, fixed generators and solar panels;
• lakes and rivers within the boundary of the property for liability
cover only.
SIGNIFICANT OR UNUSUAL EXCLUSIONS/LIMITATIONS
You will normally have to pay the initial £150/€225 for each claim. This
policy excess applies to claims made on the buildings and contents section
of your policy. These excesses may vary by your choice and/or underwriting
criteria. Your quotation and policy schedule will show the specific
excesses
applicable to you.
There is a single article limit of £3000/€4,500.
Solar Panels
• No accidental damage cover is provided
• Theft cover is excluded unless the solar panels are securely
mounted or fixed to the building in a non accessible position
• Theft excess is £500/€750
Swimming Pools
Storm, flood, accidental damage and escape of water is excluded in respect
of swimming pool covers, filtration plant, heaters and pumps.
All communications, including the policy wordings, are written in plain
English with no jargon to ensure you know exactly what is covered.
Any special conditions and terms that may apply will be found in your
individual quotation and schedule.
FROST DAMAGE
Loss or damage caused by frost/freezing whilst the property is unoccupied
unless temperature is maintained above 8°C or the water supply is shut off
and fixed water tanks, apparatus and pipes are drained. However, the
following
countries are exempt from any temperature or drain down requirements:
• Brazil
• Morocco
• Cape Verde
• Portugal including Madeira
• Cyprus
• Spain including Canary Islands and Balearics
• Egypt
• South Africa
• Greece
• Turkey
• Italy
• Thailand
• Monaco
• United Arab Emirates
CONTENTS SECTION
See Section 2 of policy booklet for details.
Significant Features and Benefits
Cover is provided for an extensive list of perils such as fire, storm,
earthquake, flood, theft etc. – see policy booklet.
In addition cover is provided for:
• Additional accidental damage
• Contents temporarily removed form the home
• Contents in outbuildings
• Garden ornaments and furniture
• Replacement locks if keys are lost or stolen
• Spoilage of food in freezers
• Loss of domestic fuel and metered water
• Pedal cycles
• Personal effects and personal money away from the home
• Your liability as occupier, employer, tenant and in a personal capacity
SIGNIFICANT AND UNUSUAL EXCLUSION OR LIMITATIONS
No cover is provided for boats, boards or water craft of any kind.
No cover is provided for items used for business or professional purposes.
Theft or malicious damage caused by persons lawfully in the home. No
cover is provided for theft or malicious damage caused by persons lawfully
in the home.
DURATION OF CONTRACT
Insurance contracts normally run for a period of 12 months. Please speak to
us if you require a different period. We strongly urge our customers to
review
their contract each year to ensure they have adequate cover in place.
YOUR INSURANCE QUOTATION
The quotation you receive gives a breakdown of the total price, including
the
amount we will receive, as well as any related fees, charges, expenses and
taxes applicable. The quotation will be valid for a specified period.
Please note that this policy summary document does not contain the full
terms and conditions of this contract. These can be found in the Homes
and Holiday Homes overseas and in the UK policy wording. If your would
like a copy of the full policy wording, please contact us.
ENDORSEMENTS
Endorsements are variations or additions to the terms of the Policy.
Please refer to your quotation or Policy Schedule to establish which
endorsements apply.
The following endorsements only apply if shown on the Policy Schedule:
HH907 – Security Endorsement (Standard)
Will not pay for loss of damage unless:
(a) Whenever the Home or Holiday Home is left unoccupied
Exit doors
The final exit door is fitted with a:
• mortice deadlock or
• cylinder rim lock or
• multi-point locking system
Doors
All other external doors (excluding patio doors) and any access
doors form adjoining or integral garages are fitted with either:
• a mortice deadlock or
• cylinder rim lock or
• multi-point locking system or
• security bolts fitted top and bottom
Patio doors
Sliding patio doors are fitted with either:
Key-operated sliding door locks top and bottom or
• deadlock or catches securing into the frame operated by
an internal handle or
• any internal patio door lock, or key operated lock mounted
internally on the central rails and are in operation.
Windows
All ground floor, basement and accessible upper floor
windows are fitted with:
• lever operated window locks or
• catches or
• shutters or
• metal grilles embedded into the wall
HH913 Subsidence, Landslip and Heave
Your policy is extended to include damage caused by Subsidence or Heave
of the site on which the buildings stand or Landslip.
HH916 Stillage Clause
It is warranted that in respect of items stored or contained in the
basement area or underground garage of the premises that they
are stored at least 15cm off the floor. Any exposed water pipes in
the basement area or underground garage are suitably lagged.
The lagged requirement applies to countries not listed under the Frost
Damage exemption.
HH926 Optional Accidental Damage Cover
Your policy is extended to provide optional accidental damage cover for
insured and family members.
HH931 Cover Extended to Include Accidental Damage by Tenants
Section 1 - Buildings Optional Accidental Damage Cover and Section 2 -
Contents Optional Accidental Damage Cover has been extended to include
Accidental Damage caused by Tenants. Cover is subject to a £250 / €375
excess or the policy standard excess whichever is the greater.
© 2007 Intasure • IS PS 30/04/08 |
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