Second Home Buildings and Contents Insurance

Second Home Buildings & Contents Insurance - policy wording

YOUR POLICY Here is your new Policy containing details of the cover you have arranged. We have made every effort to make our intentions clear. Please read your Policy carefully and if you have any queries we will be pleased to help you. We aim to provide a high level of service and to pay claims fairly and promptly within the terms set out in the Policy.

WHAT COVER IS INCLUDED? The Policy is divided into a number of different Sections. To find which Sections are in force you should check your Schedule, the document enclosed with the Policy. The Schedule also tells you how much you are insured for under each Section.

HOW MUCH TO INSURE YOUR SECOND HOME FOR It is up to you to make sure that the amounts you insure for represent the full re-building cost of the building(s) and the full replacement costs as new (less an amount for wear and tear on clothing and household linen) of the contents concerned. Remember, if you underinsure, claim payments may be reduced. You can change your Sums Insured at any time - you do not have to wait for renewal.

IF YOU HAVE A PROBLEM If you have a problem regarding this Policy you should contact us using telephone numbers at the beginning of this policy wording.

CANCELLATION INFORMATION A 14 day cancellation period is applicable to this policy from the day after receipt of documentation.

CHANGES IN YOUR CIRCUMSTANCES Your Policy has been based on the information which you have given us about yourself and your Home. You must tell us immediately of any changes to this information including of course any change of address. You must also notify us if you or anyone living with you are declared bankrupt or are convicted of arson, fraud, forgery, theft, robbery or handling of stolen goods.

USING THE HELPLINES The telephone numbers of the Help lines are shown on the inside front cover of this document.

HOW TO MAKE A CLAIM To make a claim, first read the Policy and Schedule to check that you are covered. To register a claim and obtain a claim form please contact Intasure on 0845 111 0672. Or you may write to: Intasure, FREEPOST NAT14889, ROMFORD RM7 9BR. You should complete a claim form and let us have as much information as possible to help us deal with your claim quickly and fairly. You should also refer to the section on page 22, Notification and Conduct of Claims. Finally, do not hesitate to ask for advice, we will be pleased to help you.

YOUR RESPONSIBILITIES In order to protect your property to it's fullest extent we will expect you to comply with all terms and conditions.

Certain words in your Policy have special meanings. These meanings are given below.

Bodily Injury Death, injury, illness or disease.

Buildings The Home named in the Schedule, the domestic out-buildings and garages, swimming pools, fixed fuel oil tanks, walls, gates and fences, the interior decorations and the fixtures and fittings within the buildings, all owned by you or for which you are legally responsible and within the premises named in the Schedule.

Contents Household goods and personal property. Money and Valuables all belonging to or the responsibility of You or Your Family contained in the Home or in the open within the boundaries of the Land belonging to the Home. The term Contents does not include:-

1. any living creature, any mechanically propelled vehicle (other than domestic gardening machines), aircraft, hovercraft, watercraft and accessories attached thereto, outboard engines, motorcycles, caravans, trailers, trailer tents and their parts and accessories, credit cards, deeds, bonds, bills of exchange, promissory notes, securities for money, documents, manuscripts, firearms, shotguns.
2. goods used for business or professional purposes.
3. any part of the Buildings including fixtures and fittings unless otherwise agreed.
4. any property specifically insured against the perils covered hereby under any other insurance.
5. damage by vermin or insects.

Endorsements Any variation or addition to the terms of the Policy.

Excess The sum shown in your Schedule which is the amount to be deducted from your claim for loss or damage resulting from the same incident and insured under any or all Sections of the Policy.

Garden The open ground within the boundaries of the land belonging to the Insured property.

Home The private dwelling of permanent construction comprising house, bungalow, cottage, chalet or flat named in the schedule.

Insured (a) The first named party in the Policy Schedule. (b) Any member of the Insured's family permanently residing with him/her.

Money Cash, bank or currency notes, cheques, travellers cheques, postal or money orders, saving stamps and certificates, travel tickets, luncheon vouchers, current stamps (face value only) and gift tokens.

Policyholder/You/Your The person(s) named as the Policyholder in the Schedule.

Property Material property.

Schedule The current Schedule issued by us as part of your Policy shows details of the Policyholder, the property insured, the period of insurance and which sections of the Policy apply.

Unoccupied

1. Insufficiently furnished for normal occupation.
2. Furnished for normal occupation but has not been lived in for more than 30 consecutive days (or 7 consecutive days between 1st November and 31st March inclusive).

Unspecified Personal Effects and Clothing Personal property which is designed to be worn or carried on or about the person. The term Unspecified Personal Effects and Clothing does not include pedal cycles, contact or corneal lenses.

Valuables Jewellery, gold, silver, precious metals, clocks and watches, coin, medal and stamp collections, works of art, furs.

We/Us/Our The Insurance Company named in the Schedule.

You/Your Family You, your spouse or domestic partner who lives at the same address as you and shares financial responsibilities, your children, parents and other relatives who permanently reside with you.

Exchange Rates The Currency applicable to this policy is Sterling. However there may be occasions when we need to convert from Sterling to Euros or Euros to Sterling. In such circumstances, we will convert using the Royal Bank of Scotland commercial Exchange rate on the day a claims payment is made under this policy.

Index Linking The Sums Insured will be adjusted annually in line with:

Buildings The House Rebuilding Cost Index prepared by the British Royal Institution of Chartered Surveyors.

Important Because of regional variations in the construction of buildings and cost of materials you should review your buildings sum insured on a regular basis.

Contents The Government's General Index of Retail Prices. Should this Index not be available another appropriate Index will be used.
No additional charge will be made for this during each year but renewal premiums will be calculated on the adjusted Sums Insured.
Index Linking will continue from the date of loss or damage to the settlement of the resulting claim provided you have not unreasonably delayed notification or settlement of the claim.

Your Schedule tells You if this Section is in force.

We will pay for A. The Basic Cover - Loss of or damage to Buildings caused by:

1. Fire, explosion, lightning, earthquake or subterranean fire.
2. Smoke.
3. Riot, civil commotion, labour or political disturbances.
4. Malicious persons or vandals.
5. Storm, flood, hail or snow.
6. Escape of water or oil from any fixed heating or domestic water installation, washing machines or dishwashers.
7. Theft or attempted theft.
8. Collision involving aircraft or aerial devices or anything dropped from them, vehicles or animals.
9. Falling trees or branches (including the cost of removal up to £500), lamp posts or telegraph poles.
10. Falling receiving aerials and their fittings or masts, solar panels, satellite dishes and fittings.
    
    Optional Accidental Damage Cover
11. Accidental Damage to the Buildings (applicable only when property is occupied by the Insured or family).
12. Damage to Underground Services. Accidental damage to underground services to the home for which you are legally responsible.

We will not pay for The amount of any Excess shown in your schedule.A.

1. Earthquake or subterranean fire for property in Italy or Greece.
2. Damage caused by any gradually operating cause.
3. Loss or damage caused by (a) persons lawfully in the Home. (b) whilst the home is unfurnished.
4. Loss or damage caused (a) by subsidence or landslip. (b) by avalanche. (c) by frost. (d) to domestic out-buildings and garages of light construction, domestic fixed fuel oil tanks in the open, gates, fences and hedges.
5. Loss or damage (a) to domestic out-buildings and garages of light construction. (b) caused by wet or dry rot. (c) to the installation itself caused by corrosion or wear and tear.
6. Loss or damage caused by you or your family or tenant.
7. Damage caused by domestic pets or insects or birds.
8. (a) Damage to hedges, gates and fences. (b) Destruction or damage caused during felling or lopping operations.
   
   Optional Accidental Damage Cover
9. Loss or damage while your Home or any part of it is lent to any persons other than your Family or let to tenants or occupied by paying guests.
10. The cost of maintenance.
11. Damage caused by settlement or shrinkage of the Buildings.
12. Damage caused by subsidence or landslip.
13. Damage caused by wear and tear, atmospheric or climatic conditions, rot, fungus, insects, vermin, domestic pets or any gradually operating cause.
14. Damage caused by faulty workmanship or design or the use of defective materials.
15. Any loss, destruction or damage specifically excluded elsewhere in Section 1.
16. Loss or damage by inherent defect and electrical and mechanical breakdown.
17. Damage caused whilst clearing, or attempting to clear a blockage. Damage caused by rodents / vermin.

We will also pay for

1. Temporary Accommodation or Loss of Hiring Charges
   • the reasonable cost of Your temporary accommodation in the event of the Home being so damaged as to render it uninhabitable by any cause for which indemnity is provided under Section 1A of this Policy, provided that our liability shall not exceed a sum equivalent to 20% of the Sum Insured on the Buildings in any one period of insurance.
   • Loss of hiring charges for bookings actually made and confirmed with you prior to and in the event of the Home being so damaged as to render it uninhabitable by any cause for which indemnity is provided under Section 1A of this Policy, provided that our liability shall not exceed a sum equivalent to 20% of the Sum Insured on the Buildings in any one period of insurance.
   • Loss of hiring charges for bookings actually made and confirmed with you prior to and in the event of pollution or oil spillage within a radius of one mile of the nearest beach, provided that our liability shall not exceed £1000 in any one period of insurance.
   • Loss of hiring charges as a result of any occurrence of murder or suicide or notifiable disease or illness arising from or traceable to foreign or injurious matter in food or drink at the Home.
2. Glass and Sanitary Fixtures Accidental breakage of fixed glass, wash basins, splash backs, pedestals, sinks, lavatory pans, cisterns, bidets and baths up to £1000 in any one period of insurance. Excluding:
   • damage to or the cost of removing or replacing frames.
   • breakage of property not in sound condition.
   • frost damage.
3. Removal of Debris and Demolition Costs Expenses necessarily incurred by you with our consent in removing debris, dismantling and/or demolishing, shoring or propping up of the portion or portions of the insured property destroyed or damaged by any peril insured under Section 1 subject to our liability not exceeding 10% of the Sum Insured on the Buildings in any one period of insurance.
4. Architects and Surveyors Fees The cost of architects, surveyors and other fees for estimates, plans, specifications suggested by a loss adjuster, quantities, tenders and supervision necessarily incurred in reinstatement consequent upon destruction of or damage to the Buildings by any peril hereby insured against, not exceeding the scale of fees laid down by the Royal Institution of British Architects, the Royal Institute of Chartered Surveyors or other appropriate professional institute current at the time of the destruction or damage. Provided that our liability hereunder shall not exceed an amount equivalent to 10% of the Sum Insured on the Buildings in any one period of insurance.
5. Moving Home If you are selling the Home the purchaser will have the benefit of this Section during the period between exchange of contracts and completion provided that the Home is not insured elsewhere.
6. Loss of Metered Water and Oil Providing cover by Section 2 - Contents is not in force, up to £750 for loss of metered water or domestic heating oil (for which you are legally responsible) following accidental damage to fixed domestic water or heating installations situated in or on the Home. Excluding loss or damage caused while the Home is unfurnished or unoccupied for a period in excess of thirty days.
7. Trace and Access We will pay the cost (incurred with our permission) of finding the source of any escape of water or oil from any fixed domestic water services or heating installations including subsequent repairs to walls, floors or ceilings. We will not pay more than £1000 for any one claim during any one period of insurance.
8. Emergency Access Damage to your home caused by forced access to attend a medical emergency or an event which could result in damage to the Home.

We will at our option pay the cost of repair or replacement, subject to repair or rebuilding being carried out provided that, at the time of loss or damage, the Sum Insured is not less than the rebuilding cost and the Buildings are in good repair.

The rebuilding cost is the cost of rebuilding the Buildings in the same size and style and condition as when new, including the additional costs described in paragraphs D and E of this Section.

The total amount payable under paragraphs A and B will not exceed the Sum Insured.

If the Buildings are not in good repair or if repair or replacement is not carried out we will at our option:

• pay the cost of repair or replacement less a deduction for wear and tear and depreciation or
• pay for the reduction in market value caused by the loss or damage.

The Sum Insured will not be reduced by the amount of any claim.

Underinsurance If the Sum Insured is less than the rebuilding cost we will only pay the same proportion of the loss or damage as the Sum Insured bears to the full rebuilding cost. For example, if the Sum Insured represents only one half of the rebuilding cost we will only pay for one half of the amount lost or damaged.

• the total claim does not exceed £500.
• at the time of a claim the Sum Insured represents more than 85% of the full rebuilding cost and subject to you re-valuing the Sum Insured thereafter.

Matching Items We will not pay the cost of replacing any undamaged item or part of any item solely because it forms part of a set, suite or one of a number of items of similar nature, colour or design.

Your Schedule tells You if this Section is in force.

We will pay for

1. Fire, explosion, lightning, earthquake or subterranean fire.
2. Smoke.
3. Riot, civil commotion, labour or political disturbances.
4. Malicious persons or vandals.
5. Storm, flood, hail or snow.
6. Escape of water or oil from any fixed heating or domestic water installation, washing machines or dishwashers.
7. Theft or attempted theft.
8. Collision involving aircraft or aerial devices or anything dropped from them, vehicles or animals.
9. Falling trees or branches (including the cost of removal up to £500), lamp posts or telegraph poles.
10. Falling receiving aerials and their fittings or masts, solar panels, satellite dishes and fittings.
    
    Optional Accidental Damage Cover
11. Accidental Damage to the Contents, (applicable only when property is occupied by the Insured or family).

We will not pay for

1. The amount of any Excess shown in your schedule.
2. Earthquake or subterranean fire for property in Italy, Greece and Cyprus.
3. Damage caused by any gradually operating cause.
4. Loss or damage caused by
   • Persons lawfully in the Home.
   • whilst the Home is unfurnished.
5. Damage caused by subsidence or landslip.
6. Loss or damage
   • caused by wet or dry rot.
   • damage to the installation itself caused by corrosion or wear and tear.
7. • Loss or damage occurring whilst the Home or any part is lent or let unless involving forcible and violent entry to or exit from the Home.
   • Loss or damage by you or your family or any tenant.
   • Loss by deception unless deception is only used to gain entry to the Home.
   • Any amount in excess of £2,500 for loss from out-buildings other than garages.
8. Damage caused by domestic pets or birds.
9. Destruction or damage caused during felling or lopping operations.
   
   Optional Accidental Damage Cover
10. Loss or damage while your Home or any part of it is lent or let to any persons other than your family or let to tenants or occupied by paying guests.
11. damage which is specifically excluded elsewhere in section 2 - Contents.
12. damage to personal effects and clothing.
13. deterioration of food.
14. damage caused by wear and tear, atmospheric or climatic conditions, rot, fungus, insects, vermin, domestic pets, repair, cleaning, alteration, restoration, dyeing, depreciation or any gradually operating cause.
15. damage caused by mechanical or electrical breakdown.
16. damage caused by faulty workmanship or design or the use of defective materials.
17. loss or damage by inherent defect and electrical and mechanical breakdown.

We will also pay for

B. Contents Away from the Premises

• against loss or damage caused by any of the perils insured under Section 2A whilst in any trade building for the purpose of alterations, cleaning or processing, or in any furniture depository, up to a limit of 20% of the Sum Insured on Contents.
• against loss or damage elsewhere caused by the perils of Fire, Lightning, Explosion, Aircraft or Earthquake only.
• against loss or damage during the process of removal and transit following permanent change of Home or whilst in transit to and from any furniture depository, caused by the perils of Fire, Lightning, Explosion, Aircraft or Earthquake.

• contents outside the country in which the Home is situated.
• cash, currency, bank notes, negotiable documents or coins and stamps (including coins or stamps forming part of a coin or stamp collection).

C. Cash in Meters
Loss of cash contained in electricity or gas supply meters, your property or for which You are responsible, up to a maximum of £50 following violent or forcible entry to the Home.

D. Additional Costs
Additional costs of alternative accommodation necessarily incurred by You as occupier if the Buildings are rendered uninhabitable by any of the insured perils, not exceeding 10% of the Sum Insured on Contents of the Building(s) damaged or destroyed.

E. Breakage of Glass and Mirrors
Accidental breakage of mirrors, glass tops to furniture and ceramic hobs and fixed glass in furniture in the Home up to £1000 in any one period of insurance.

F. Tenants Liability
Up to 15% of the Sum Insured on Contents for all sums for which You are legally liable to pay as Tenant (and not as Owner) for damage to the Buildings as described in paragraphs A, B and D of Section 1- Buildings and the additional costs described in paragraphs E and F of that Section.

G. Loss or Theft of Keys
The cost of replacing a lock or mechanism in the event of the keys to the locks:-

• of any external door of the Home or
• of the alarm system or domestic safe, if fitted, being accidentally lost or stolen, up to £250 in respect of any one occasion.

H. Loss of Metered Water and Oil
Up to £750 for loss of metered water or domestic heating oil (for which You are legally responsible) following accidental damage to fixed domestic water or heating installations situated in or on the Home. Excluding loss or damage caused while the Home is unfurnished or unoccupied for a period in excess of thirty days.

I. Garden Ornaments and Furniture
We will pay the cost of replacing or repairing your Garden Furniture, unfixed statues and barbeque equipment for loss or damage caused by an insured peril other than Storm, Tempest or Flood up to a maximum of £750 any one period of insurance.

J. Pedal Cycles
Pedal cycle(s) and its accessories up to £250 are insured anywhere in the Continent of Europe against:

• loss or damage caused by theft or attempted theft
• accidental damage while being used by you or any member of your family.

We will at our option pay the cost of repair or for replacement as new (less an amount for wear, tear and depreciation on clothing and household linen) provided that, at the time of loss or damage, the Sum Insured is not less than the full replacement cost.

The full replacement cost is the cost of replacing all Contents as new less an amount for wear, tear and depreciation on clothing and household linen.

In respect of any one claim We will not pay more than:

• the Sum Insured as stated on Your Schedule
• £500 for theft from any unattended motor vehicle. Theft cover from any motor vehicle only applies if Your property is non visible from the exterior and stored in the boot or concealed luggage compartment and the vehicle locked and, where applicable, the alarm installation activated.
• Single Article Limit £2000 unless otherwise shown in the Schedule. The Sum Insured will not be reduced by the amount of any claim.

Underinsurance If the Sum Insured is less than the full replacement cost We will only pay the same proportion of the loss or damage as the Sum Insured bears to the full replacement cost. For example, if the Sum Insured represents only one half of the full replacement cost We will only pay for one half of the amount lost or damaged. This provision will not be applied where:

• the total claim does not exceed £500
• at the time of a claim the Sum Insured represents more than 85% of the full replacement cost and subject to You re-valuing the Sum Insured thereafter.

Matching Items We will not pay the cost of replacing any undamaged item or part of any item solely because it forms part of a set, suite or one of a number of items of similar nature, colour or design.

We will also pay for

J. Pedal Cycles (Continued) The cover provided under this Sub-section (J) EXCLUDES loss or damage:

• caused by electrical and/or mechanical fault or breakdown
• to tyres, lamps or other accessories unless the pedal cycle is lost or damaged at the same time
• while the pedal cycle is used for racing or is hired or lent to anyone
• by theft unless in a building or securely locked to an immovable object.

K. Freezer contents The freezer and refrigerator contents up to £500 are insured against spoilage caused by accidental failure of the freezer and/or refrigerator; refrigerator fumes escaping from the equipment; accidental failure of the electricity or gas supply. The cover provided under this Sub-section (K) EXCLUDES loss or damage:

• caused by the deliberate restriction or withholding of the electricity or gas supply by any supply authority
• caused by any strike, lockout or industrial dispute.

L. Personal Effects and Money In addition to the Sum Insured shown in the Schedule under the heading Contents, we will also pay up to £500 for loss of Personal Effects, including up to £100 Personal Money, subject to terms and limitations of Section 2a of this policy, excluding items as shown on page 3 Contents.

Your Schedule tells You if this Section is in force.

Special Note For the purpose of this Section only, the Definition of Policyholder/You/Your shall include any person or persons who with your permission temporarily occupy the Home.

The Covers You will, subject to the Limit of Indemnity, be indemnified against all sums for which You may be legally liable to pay in respect of:-

• accidental Bodily Injury to any person
• accidental loss of or damage to Property not belonging to You or in your custody or control or any of your tenants or employees occurring on or about the Home
• death, bodily injury or disease of any domestic employee. The maximum amount payable under this Section in respect of any one claim or series of claims arising out of any one event is defined in the Schedule and is in addition to costs and expenses incurred with our written consent.

Exclusions We shall not indemnify You against liability: -

• which attaches by virtue of an agreement but which would not have attached in the absence of such agreement
• for Bodily Injury to any person arising out of and in the course of employment or engagement by You or Your Family other than for solely private domestic duties where the maximum amount payable is £10,000,000
• arising out of your employment profession or business other than letting of your Home
• arising out of the ownership of land or buildings other than the Home detailed in the Schedule
• for loss or damage to property belonging to You or Your Family or in your custody or control or any of your employees
• arising in connection with the use ownership or custody of firearms (including handguns, shotguns, air rifles and air pistols) and all or any ammunition for such firearms
• arising from the use ownership or possession of any mechanically propelled vehicle
• arising from pollution or contamination of any sort and however caused
• arising out of any incidents where you are entitled to indemnity under any other insurance except for the amount in excess of the limit payable (and for which payment has been agreed) under such other insurance
• any condition which is directly or indirectly related to HIV (Human Immunodeficiency Virus) and/or HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or mutant derivatives or variations however caused
• the ownership or possession of an animal to which any section of the Dangerous Dogs Act 1991 (or any amending legislation) applies.

CONTRACTUAL LIABILITY AND INDEMNITY TO PRINCIPAL We will subject otherwise to the terms exceptions conditions and endorsements of this Policy indemnify You under any Section against liability in respect of Bodily Injury or loss or damage to Property as follows: to the extent that any contract or agreement entered into by You with any Principal so requires We will:

• indemnify You against liability assumed by You
• indemnify the Principal in like manner to You in respect of the liability of the Principal arising out of the performance by You of such contract or agreement provided that:

• the conduct and control of claims is vested in Us
• the Principal shall observe fulfil and be subject to the terms conditions and endorsements of this Policy so far as they can apply
• the indemnity shall not apply to liability in respect of liquidated damages or under any penalty clause.

Indemnity to other persons In the event of your death your legal personal representative will be indemnified in respect of such liability incurred by You. Any of your domestic servants will be indemnified in the same manner.

* See specific section for liability in these countries.

General Extensions - LIABILITY - excluding Spain, France & Portugal*

"SUDDEN AND UNINTENDED POLLUTION" Although liability in respect of pollution is excluded in general terms from cover under this Policy, limited cover is provided by this Extension. Such cover is subject to all other provisions of this paragraph so far as they can be applied. This section of the Policy is extended to cover liability at law of the Policyholder for damages and/or claimants costs in respect of accidental bodily injury or accidental damage to material property caused solely by:

Pollution: which results from a sudden identifiable and unintended incident and such incident takes place in its entirety at an identified time and place during any one period of insurance. All pollution which arises out of any one incident shall be treated as having taken place at the time such incident takes place.

Limit of Liability Our liability for all damages payable by You under this Section to any claimant or number of claimants in respect of any one claim or all claims or a series arising out of one original cause shall not exceed the amount specified in the Schedule.

Your Schedule tells You if this Section is in force.

Special Note For the purpose of this Section only, the Definition of Policyholder/You/Your shall include any person or persons who with your permission temporarily occupy the Home.

The Cover This Section insures you up to the Limit of Indemnity your legal liability to the public as per Section 1902 and subsequents of the Civil Code and Section 19 and subsequents of the Criminal Code which are lawfully demanded of you for loss or damage caused to third parties but limited to events occurring within the home or its confines and happening during the period of insurance.

Legal Defence This Section covers your legal defence when legal actions are brought against You for loss or damage insured under this Section even if those actions lack any merit or are unjustified. Your legal defence will be administered by Us and we will designate lawyers and solicitors. You agree to provide all information co-operation or assistance required by Us granting the necessary powers of attorney.

With your prior agreement in criminal cases we can assume your defence.

If You are found guilty we will decide if appeal before the relevant higher court is appropriate or not. However even if we deem the appeal inappropriate we can proceed to a higher court by preclusive reasons and will give notice of this decision immediately to You.
You will be free to continue with the appeal at your own expense and We will repay to you all expenses incurred should the appeal be successful.
If any conflict of interest should arise between Us in the event of a legal proceeding arising from our having to uphold interest contrary to those defending You We will duly inform You of this and will without prejudice fulfil the obligations necessary in the defence.
However You can choose between keeping us responsible for the legal handling of the defence or appointing another defence counsellor.
In the latter case We are obliged to pay the fees incurred by counsel up to the amount stated in the Schedule.
In the event that the claim exceeds the Limit of Indemnity stated in the Schedule We will pay the legal expenses in the same proportion existing between the indemnity to be satisfied and the total amount of your liability in the claim.

Bail We will pay the total amount for any bail requested of You arising from any loss or damage covered by this Section and up to the Limit stated in the Schedule.

Exclusions We shall not indemnify You against liability: -

• which attaches by reason of an agreement but which would not have attached in the absence of such agreement
• for Bodily Injury to any person arising out of and in the course of employment or engagement by You or Your Family other than for solely domestic duties where the maximum amount payable is £10,000,000,
• arising out of your employment profession or business other than letting of your Home
• arising out of the ownership of land or buildings other than the Home detailed in the Schedule
• for loss or damage to Property belonging to You or Your Family or in your custody or control or any of your employees
• arising in connection with the use ownership or custody of firearms (including handguns, shotguns, air rifles and air pistols) and all or any ammunition for such firearms
• arising from the use ownership or possession of any mechanically propelled vehicle
• arising from pollution or contamination of any sort and however caused
• arising out of any incidents where you are entitled to indemnity under any other insurance except for the amount in excess of the limit payable (and for which payment has been agreed) under such other insurance
• any condition which is directly or indirectly related to HIV (Human Immunodeficiency Virus) and/or HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or mutant derivatives or variations however caused
• the ownership or possession of an animal to which any section of the Dangerous Dogs Act 1991 (or any amending legislation) applies.

"SUDDEN AND UNINTENDED POLLUTION" Although liability in respect of pollution is excluded in general terms from cover under this Policy, limited cover is provided by this Extension. Such cover is subject to all other provisions of this paragraph so far as they can be applied. This section of the Policy is extended to cover liability at law of the Policyholder for damages and/or claimants costs in respect of accidental bodily injury or accidental damage to material property caused solely by:

Pollution: which results from a sudden identifiable and unintended incident and such incident takes place in its entirety at an identified time and place during any one period of insurance. All pollution which arises out of any one incident shall be treated as having taken place at the time such incident takes place.

Limit of Liability Our liability for all damages payable by You under this Section to any claimant or number of claimants in respect of any one claim or all claims or a series arising out of one original cause shall not exceed the amount specified in the Schedule.

General Extensions - LIABILITY - Spain

CONTRACTUAL LIABILITY AND INDEMNITY TO PRINCIPAL We will subject otherwise to the terms exceptions conditions and endorsements of this Policy indemnify You under any Section against liability in respect of Bodily Injury or loss or damage to Property as follows: to the extent that any contract or agreement entered into by You with any Principal so requires We will:

• indemnify You against liability assumed by You
• indemnify the Principal in like manner to You in respect of the liability of the Principal arising out of the performance by You of such contract or agreement provided that: -
  • the conduct and control of claims is vested in Us
  • the Principal shall observe fulfil and be subject to the terms conditions and endorsements of this Policy so far as they can apply
  • the indemnity shall not apply to liability in respect of liquidated damages or under any penalty clause.

Indemnity to other persons In the event of your death your legal personal representative will be indemnified in respect of such liability incurred by You. Any of your domestic servants will be indemnified in the same manner.

"SUDDEN AND UNINTENDED POLLUTION" Although liability in respect of pollution is excluded in general terms from cover under this Policy, limited cover is provided by this Extension. Such cover is subject to all other provisions of this paragraph so far as they can be applied.
This section of the Policy is extended to cover liability at law of the Policyholder for damages and/or claimants costs in respect of accidental bodily injury or accidental damage to material property caused solely by:

Pollution: which results from a sudden identifiable and unintended incident and such incident takes place in its entirety at an identified time and place during any one period of insurance. All pollution which arises out of any one incident shall be treated as having taken place at the time such incident takes place.

Limit of Liability Our liability for all damages payable by You under this Section to any claimant or number of claimants in respect of any one claim or all claims or a series arising out of one original cause shall not exceed the amount specified in the Schedule.

General Extensions - LIABILITY - France Your Schedule tells You if this Section is in force.

Special Note For the purpose of this Section only, the Definition of Policyholder/You/Your shall include any person or persons who with your permission temporarily occupy the Home.

The Cover You will, subject to the Limit of Indemnity, be indemnified against all sums for which You may be legally liable to pay in respect of

• accidental Bodily Injury to any person
• accidental loss of or damage to Property not belonging to You or in your custody or control or any of your tenants or employees occurring on or about the Home
• death, bodily injury or disease of any domestic employee. The maximum amount payable under this Section in respect of any one claim or series of claims arising out of any one event is defined in the Schedule and is in addition to costs and expenses incurred with our written consent.

Exclusions We shall not indemnify You against liability: -

• which attaches by virtue of an agreement but which would not have attached in the absence of such agreement,
• for Bodily Injury to any person arising out of and in the course of employment or engagement by You or Your Family other than for solely private domestic duties where the maximum amount payable is £10,000,000.
• arising out of your employment profession or business other than letting of your Home
• arising out of the ownership of land or buildings other than the Holiday Home detailed in the Schedule
• for loss or damage to property belonging to You or Your Family or in your custody or control or any of your employees
• arising in connection with the use ownership or custody of firearms (including handguns, shotguns, air rifles and air pistols) and all or any ammunition for such firearms
• arising from the use ownership or possession of any mechanically propelled vehicle
• arising from pollution or contamination of any sort and however caused
• arising out of any incidents where you are entitled to indemnity under any other insurance except for the amount in excess of the limit payable (and for which payment has been agreed) under such other insurance
• any condition which is directly or indirectly related to HIV (Human Immunodeficiency Virus) and/or HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or mutant derivatives or variations however caused
• the ownership or possession of an animal to which any section of the Dangerous Dogs Act 1991 (or any amending legislation) applies.

CONTRACTUAL LIABILITY AND INDEMNITY TO PRINCIPAL We will subject otherwise to the terms exceptions conditions and endorsements of this Policy indemnify You under any Section against liability in respect of Bodily Injury or loss or damage to Property as follows: to the extent that any contract or agreement entered into by You with any Principal so requires We will: -

• indemnify You against liability assumed by You
• indemnify the Principal in like manner to You in respect of the liability of the Principal arising out of the performance by You of such contract or agreement provided that:
  • the conduct and control of claims is vested in Us
  • the Principal shall observe fulfil and be subject to the terms conditions and endorsements of this Policy so far as they can apply
  • the indemnity shall not apply to liability in respect of liquidated damages or under any penalty clause. Where any indemnity is provided to any Principal We will treat each Principal and You as though a separate Policy has been issued to each of them provided that nothing in this clause shall increase the liability of Us to pay any amount in respect of any one claim or during any one period of insurance in excess of the amount stated in the Limit of Indemnity.

Indemnity to other persons In the event of your death your legal personal representative will be indemnified in respect of such liability incurred by You.
Any of your domestic servants will be indemnified in the same manner. The undermentioned extension is applicable only to French properties, at the premises specified in the Schedule and up to but not exceeding the sum insured specified in the Schedule.

TENANT'S RISK The financial consequences of the liability which the insured may incur as tenant, in respect of material damage by fire or explosion, under Articles 1382 to 1384 and 1732 to 1735 of the Civil Code.

NEIGHBOUR'S AND THIRD PARTY RISKS The financial consequences of the liability which the insured may incur as under Articles 1382 to 1384 of the Civil Code for any material damage to property of neighbours and third parties resulting from fire or explosion originating in the premises insured or containing the insured property.

Section 3 - LIABILITY - Portugal Your Schedule tells You if this Section is in force.

Special Note For the purpose of this Section only, the Definition of the Policyholder/You/Your shall include any person or persons who with your permission temporarily occupy the Home.

The Cover You will, subject to the Limit of Indemnity be indemnified against all sums for which You may be legally liable to pay in respect of:

• accidental Bodily Injury to any person
• accidental loss of or damage to Property not belonging to You or in your custody or control or any of your tenants or employees occurring on or about the Home
• death, bodily injury or disease of any domestic employee. The maximum amount payable under this Section in respect of any one claim or series of claims arising out of any one event is defined in the Schedule and is in addition to costs and expenses incurred with our written consent.

Exclusions We shall not indemnify You against liability: -

• which attaches by virtue of an agreement but which would not have attached in the absence of such agreement
• for Bodily Injury to any person arising out of and in the course of employment or engagement by You or Your Family other than for solely private domestic duties where the maximum amount payable is £10,000,000.
• arising out of your employment profession or business other than letting of your Home
• arising out of the ownership of land or buildings other than the Home detailed in the Schedule
• for loss or damage to property belonging to You or Your Family or in your custody or control or any of your employees
• arising in connection with the use ownership or custody of firearms (including handguns, shotguns, air rifles and air pistols) and all or any ammunition for such firearms
• arising from the use ownership or possession of any mechanically propelled vehicle
• arising from pollution or contamination of any sort and however caused
• arising out of any incidents where you are entitled to indemnity under any other insurance except for the amount in excess of the limit payable (and for which payment has been agreed) under such other insurance
• any condition which is directly or indirectly related to HIV (Human Immunodeficiency Virus) and/or HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or mutant derivatives or variations however caused
• the ownership or possession of an animal to which any section of the Dangerous Dogs Act 1991 (or any amending legislation) applies.

General Extensions - LIABILITY - Portugal

"SUDDEN AND UNINTENDED POLLUTION" Although liability in respect of pollution is excluded in general terms from cover under this policy, limited cover is provided by this Extension. Such cover is subject to all other provisions of this paragraph so far as they can be applied. This section of the Policy is extended to cover liability at law of the Policyholder for damages and/or claimants costs in respect of accidental bodily injury or accidental damage to material property caused solely by:

Pollution: which results from a sudden identifiable and unintended incident and such incident takes place in its entirety at an identified time and place during any one period of insurance. All pollution which arises out of any one incident shall be treated as having taken place at the time such incident takes place.

Limit of Liability Our liability for all damages payable by You under this Section to any claimant or number of claimants in respect of any one claim or all claims or a series arising out of one original cause shall not exceed the amount specified in the Schedule.

Intasure have selected domestic emergency experts, Capita in the UK and Globelink Language Solutions overseas to provide you with this valuable service available 24 hours a day, 365 days a year.

HOLIDAY HOMES HELPLINE AND LEGAL ADVICE (UK Only) Tel: 0870 5234900 for UK, 0034 902 888 183 for overseas
Available to you or your Home occupier to arrange for assistance or repairs as a result of any domestic emergency. For example:

• Damage to the roof of your Home by storm.
• Escape of water from water or central heating systems in your Home.
• Blocked drains.
• Failure of the electrical or gas supply systems within your Home.
• Your Home becoming insecure as a result of loss of keys or damage to your windows or doors. You are responsible for any fees incurred by the use of the repairers arranged. If the damage is covered by your Home Insurance, then you should still submit a claim in the usual manner.

General Extensions - LIABILITY - Portugal

CONTRACTUAL LIABILITY AND INDEMNITY TO PRINCIPAL We will subject otherwise to the terms exceptions conditions and endorsements of this Policy indemnify You under any Section against liability in respect of Bodily Injury or loss or damage to Property as follows: to the extent that any contract or agreement entered into by You with any Principal so requires We will: -

• indemnify You against liability assumed by You
• indemnify the Principal in like manner to You in respect of the liability of the Principal arising out of the performance by You of such contract or agreement provided that: -
  • the conduct and control of claims is vested in Us
  • the Principal shall observe fulfil and be subject to the terms conditions and endorsements of this Policy so far as they can apply
  • the indemnity shall not apply to liability in respect of liquidated damages or under any penalty clause. Where any indemnity is provided to any Principal We will treat each Principal and You as though a separate Policy has been issued to each of them provided that nothing in this clause shall increase the liability of Us to pay any amount in respect of any one claim or during any one period of insurance in excess of the amount stated in the Limit of Indemnity.

Indemnity to other persons In the event of your death your legal personal representative will be indemnified in respect of such liability incurred by You. Any of your domestic servants will be indemnified in the same manner.

Your Schedule tells You if this Section is in force.

This Section is to cover, subject to our prior agreement and approval, the cost of one return air ticket to the insured Home for your use, not exceeding £300 and the costs of a second return air ticket for a member of your family, not exceeding £300, plus the necessarily incurred costs of temporary accommodation and/or expenses in the event of the Home being uninhabitable, not exceeding £400.

The total cost of any claim under this Section shall not exceed £1000 in any period of insurance. Conditions

• The estimated damage claim under Sections 1A or 2A will not be less than £1,500.
• The loss or damage must be notified to us within twenty one days of the date of loss.
• All travel documents, hotel receipts and other documents to be retained by you and be the basis of claims settlement.
• In the event of any air travel not being viable, the cost of a journey by road, rail or sea to the same limits may be substituted.

Section 6 - PERSONAL EFFECTS AND VALUABLES

Your Schedule tells You if this Section is in force.

We will pay for A. Unspecified Valuables, Personal Effects and Clothing Accidental loss of or damage to Unspecified Valuables, Personal Effects and Clothing and sports equipment up to the amount shown in the Schedule.

We will not pay for The amount of any Excess shown in your schedule. Loss or damage listed under General Exclusions to Section 2a. A. Loss or damage to:

• Compact discs, cassettes, or records worth more than £100 in total.
• Sports equipment in the course of play.
• Equipment and accessories for mountaineering, potholing, snow skiing, snow boarding, water skiing, parachuting, hang gliding, paragliding, windsurfing, sailbording, surfboarding, skin diving and other watersports.
• Pedal cycles
• Credit cards
• Contact lenses or corneal lenses.
• Any mechanically propelled vehicles, motorcycles, trailers, caravans, boats, aircraft and their respective parts.
• Loss other than by forcible and violent entry in respect of items kept in a car or commercial vehicle unless they are non visible from the exterior and stored in the boot or a concealed luggage compartment and the vehicle locked and, where applicable, the alarm installation activated.
• Mobile phones
• Guns caused by rusting or bursting of barrels.

1. Loss of or Damage to Property In the event of loss of or damage to Property likely to result in a claim you must:

• immediately report to the police any theft, malicious damage, vandalism or loss of Property
• notify us by telephone or letter without unnecessary delay
• at your expense provide full details of the claim within thirty days
• supply us with full details of the claim within thirty days
• take all reasonable steps to minimise loss or damage and take all practical steps to recover lost property and discover any guilty person.

2. Legal Liability In the event of any accident or incident likely to result in a legal liability claim you must:

• advise us immediately and as soon as possible provide full written details and assistance as requested by us
• immediately send to us any letter, writ, summons or other legal document issued against you and your family
• not negotiate, pay, settle, admit or deny any claim without our written consent.

3. Our rights In the event of a claim we may:

• enter into and inspect any building where loss or damage has occurred and take charge of any damaged Property. No Property may be abandoned to us
• take over and control any proceedings in your name for our benefit to recover compensation from any source or defend proceedings against you.

4. Recovery of Lost or Stolen Property If any lost or stolen Property is recovered you must let us know as soon as reasonably possible by recorded delivery.
If the Property is recovered before payment of the claim you must take it back and we will then pay for any damage.
If the Property is recovered after payment of the claim it will belong to us but you will have the option to retain it and refund any claim payment to us.

5. Governing Law There is a choice of law for this insurance, but unless We agree otherwise English Law applies.

We will pay for B. Specified Items Accidental loss of or damage to items specified in Your Schedule. C. Personal Money Personal Money up to a limit of £100.

We will not pay for B. C. Loss of Money by mistake in change, counting or overpayment. Loss of Money not reported to the Police within 24 hours of discovery.

1. Misdescription This Policy shall be made void in the event of misrepresentation or non-disclosure of any material particular.

2. Fraud If the claim be in any respect fraudulent or if any fraudulent means or devices be used by you or anyone acting on your behalf to obtain any benefit under this Policy, or if any loss destruction or damage be occasioned by your wilful act or with your connivance, all benefit under this Policy shall be forfeited.

3. Arbitration If any difference shall arise as to the amount to be paid under this Policy (liability being otherwise admitted) such difference shall be referred to an arbitrator to be appointed by the parties in accordance with the statutory provisions in that behalf for the time being in force. Where any difference is by this Condition to be referred to arbitration the making of an award shall be a condition precedent to any right of action against us. (This Condition does not apply to Section 3 - Liability)

4. Cancellation We may cancel this Policy or any part thereof by sending thirty days' notice by registered letter or by recorded delivery letter to you at your last known address. You shall thereupon become entitled to the return of a proportionate part of the premium corresponding to the unexpired period of insurance. Where a claim has been made during the current period of insurance no refund or credit of premium will be due.

5. Instalment/Direct Debit If You pay Your premium by Direct Debit and there is any default in payment We may cancel the Policy by giving notice in accordance with Condition 4 - Cancellation. However, no refund or credit of premium will be due when cancellation takes place in these circumstances. Where a claim has been made during the current period of insurance the full annual premium will still be payable despite cancellation of cover and We reserve the right to deduct this from any claim payment. In any event a due proportion of the premium and administration charge shall be payable for the period of cover provided.

6. Conditions Precedent The due observance of the terms, provisions, conditions and endorsements of this Policy by you in so far as they relate to anything to be done or complied with by you and the truth of the statements and answers and information supplied on or in connection with the said proposal shall be a condition precedent to our liability to make any payment under this Policy.

7. Other Insurances (a) Section 1 - Buildings and Section 2 - Contents If at the time of any damage resulting in a loss under these Sections there be any other insurance effected by you or on your behalf covering such loss or any part of it, our liability hereunder shall be limited to our rateable proportion of such loss. (b) Section 3 - Liability If the liability which is the subject of a claim under this Section is or would but for the existence of this Section be insured under any other insurance we shall not be liable under this Section except to the extent of any excess beyond the amount payable under such other insurance had this Section not been effected.

8. Reasonable Precautions You shall at all times take reasonable precautions necessary to avoid or reduce any loss.

9. Protection Maintenance Any protections provided for the safety of the insured property shall be maintained throughout the currency of this insurance and shall be in use at all times when the Home is left unattended.

10. Material Facts You must notify us immediately of any alterations in risk which materially affect this insurance.

We will not pay for

1. Radioactive Contamination Any expense, consequential loss, legal liability or any loss or damage to property directly or indirectly arising from:

• ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel
• the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.

2. Sonic Bangs Any loss, destruction or damage directly occasioned by pressure waves from aircraft or other aerial devices travelling at sonic or supersonic speeds.

3. War any consequence whatsoever resulting directly or indirectly from or in connection with any of the following regardless of any other contributing cause or event war invasion act of foreign enemy hostilities or a warlike operation or operations (whether war be declared or not) civil war rebellion revolution insurrection civil commotion assuming the proportions of or amounting to an uprising military or usurped power.

4. Terrorism harm or damage to life or to property (or the threat of such harm or damage) by nuclear and/or chemical and/or biological and/or radiological means resulting directly or indirectly from or in connection with Terrorism regardless of any other contributing cause or event Terrorism is defined as any act or acts including but not limited to

• the use or threat of force and/or violence and/or
• harm or damage to life or to property (or the threat of such harm or damage) including but not limited to harm or damage by nuclear and/or chemical and/or biological and/or radiological means caused or occasioned by any person(s) or group(s) of persons or so claimed in whole or in part for political religious ideological or similar purposes

5. any action taken in controlling preventing suppressing or in any way relating to (A) or (B) above.

6. Year 2000 Non Compliance (Not applicable to Sections 3,4 and 5) This policy does not cover any claim, loss, liability or expense caused by or arising from directly or indirectly or in any way relating to any Computer System not being Year 2000 Compliant. This exclusion shall not exclude subsequent loss or damage caused by a Computer System not being Year 2000 Compliant if such loss or damage is itself otherwise covered under this policy.

DEFINITIONS "Computer System" means any computer, data processing equipment media or part thereof, or system of data storage and retrieval, or communications system network, protocol or part thereof, or storage device, microchip, integrated circuit, real time clock system or similar device or any computer software (including but not limited to application software, operating systems, runtime environments or compilers), firmware or microcode whether or not your property. "Year 2000 Compliant" means that neither performance nor functionality of the Computer System is affected by dates prior to, during or after the Year 2000.

This cover is provided for all Home policies (where Section 1 or 2 is in force) in accordance with the terms of French law No. 82-600 of 13th July 1982.

Purpose of the Cover This insurance is meant to cover you for the pecuniary loss following direct material damage to any of the Property insured under the Policy due to an intense and abnormal natural event.

Application of the Cover The cover only applies after publication in the official journal of the French Republic of an interministerial decree which states that a natural catastrophe has occurred.

Extent of the Cover The cost of direct material damage suffered to the property insured by the Policy, not exceeding the Sums Insured and subject to the limits and conditions provided for by the Policy at the time of any loss.

Compulsory Excess You will be liable for a part of the indemnity after a claim. It is forbidden to insure this compulsory excess. The amount of the compulsory excess is fixed by the last interministerial decree in force.

Responsibility of the Policyholder You must declare to us all potential claims as soon as these are known to you and at the latest within ten days following the publication of the interministerial decree declaring a natural catastrophe. When several insurances contracted by you can provide an indemnity for the losses incurred, you must declare the existence of these insurances to the interested insurers. In the same timescale you must notify the claim to the insurer of your choice.

Our Responsibility We must pay over the indemnity due under the Policy within a period of three months from the time of the presentation of the claim by you or the date of the publication of the interministerial decree declaring the natural catastrophe, if this is later. Failing this, interest on the indemnity shall also be payable to you.

This cover is provided for all Home policies (where Section 1 or 2 is in force) in accordance with the terms of the Spanish Law dated 16th December 1954 which created the Insurance Compensation Consortium ("Consorcio de Compensation de Seguros"), and subsequent adjustments by Royal Decree.

Purpose of the cover This insurance is meant to cover you for loss following direct material damage to any of the property insured under the Policy due to: (a) natural phenomena of an extraordinary kind (flood, earthquake, volcanic eruption, exceptional cyclonic storms, the falling of astral bodies and meteorites) (b) events arising out of terrorism, riots or popular uprising (c) deeds or actions of the Armed Forces or the Security Forces in peacetime.

Extent of the Cover The cost of direct material damage suffered to the Property insured by the Policy by any of the above events, not exceeding the Sums Insured and subject to the limits and conditions provided for by the Policy at the time of any loss.

Exclusions There are certain excluded risks, several of which are already shown under General Exclusions to the Policy.

Other exceptions include:

• inherent flaw or defect in the insured item
• bad faith on the part of the Policyholder
• indirect damage or consequential loss of any kind
• losses occurring
• within 30 days of inception of cover
• before payment of the first premium.

Compulsory Excess You will be liable for a part of the indemnity after a claim. It is forbidden to insure this compulsory excess. The amount is usually 10% of the amount of the loss.

Responsibility of the Policyholder You must declare all potential claims to us or to the offices of the Consortium within a maximum of seven days of learning of it. You should use the appropriate claim form (which will be supplied on request) and submit together with a copy of your current Policy and evidence of premium payment.

If at any time you have a complaint about the services that we provide for you, then you should contact:

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

We take all complaints we receive seriously and will handle any complaint promptly and fairly. If you make a complaint, we will acknowledge it promptly, explain how we will handle your complaint, tell you what you need to do, and how your complaint is progressing.
Full details of our complaints procedure are available on request. We will record and analyse your comments to make sure we continually improve the service we offer.

If at any time you have a complaint about the services provided by your insurers for you, then you should contact:
Lloyds of London Insurance Ltd
8 Surrey Street,
Norwich, NR1 3NG
Tel: +44(0)1603 622200
Fax: +44(0)1603 683659

If you are not happy with the outcome of your complaint you may be eligible to refer your complaint to:
The Financial Ombudsman Service (FOS)
South Quay Plaza
183 Marsh Wall
London E14 9SR
Tel: helpline 0845 080 1800
Tel: switchboard 020 7964 1000
Website: www.financial-ombudsman.org.uk

Definition of an Eligible Complainant An eligible complainant is either a private individual, a business with a group annual turnover of less than £1 million, a charity with an annual income of less than £1 million or a trustee of a trust with a net asset value of less than £1 million at the time of the complaint.

Compensation We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Where the claim is in respect of a liability subject to compulsory insurance: 100% of the claim. In all other cases 100% of the first £2000 and 90% of the remainder of the claim.

Law applicable to contract You and the insurer are free to choose the law applicable to this contract but in the absence of agreement to the contrary, the law of the country in which you reside at the date of the contract (or, in the case of a business, the law of the country in which the registered office or principal place of business is situated) will apply.

If you are not resident (or, in the case of a business, the registered office or principal place of business is not situated) in England or Wales, Scotland, Northern Ireland, Channel Islands or the Isle of Man the law which will apply is the law of England and Wales.

The endorsements shown below and on pages 28, 29, 30 and 31, only apply to Your Policy if the endorsement number is specified in Your Policy Schedule and they are subject to the terms, conditions and limitations of this Policy. This does not apply in respect of endorsement HH912

HH907 SECURITY ENDORSEMENT (STANDARD) We will not pay for loss of damage unless:

• Whenever the Home is left unattended
• The final exit door is fitted with a mortice lock or cylinder rim lock conforming to BS3621 (for properties located in the UK only) or suitable local equivalent and is in operation.
• All other external doors (excluding patio doors) and any access doors from adjoining or integral garages are fitted with either: - a mortice deadlock or cylinder rim lock conforming to BS3621 (for properties located in the UK only) or suitable local equivalent or - security bolts fitted top and bottom in addition to any existing block and are in operation.
• Sliding patio doors are fitted with either: - key-operated sliding door locks top and bottom or - deadlock securing into the frame operated by an internal handle or - any internal patio door lock, or key operated lock mounted internally on the centre rails and are in operation.
• All ground floor, basement and accessible upper floor windows are fitted with lever operated window locks or shutters securely locked internally or metal grilles embedded into the wall and are in operation.

HH908 SECURITY ENDORSEMENT (over-rider) The Security Endorsement HH907 is set aside in consideration of the alternative security as advised either in the original Proposal Form or in correspondence either from the Policyholder or the placing Broker. Although the wording has been amended it is incumbent upon the insured to maintain the security in a good working order and to advise us if any major changes take place in the future.

HH909 SECURITY ENDORSEMENT (eight weeks set aside) The Security Endorsement HH907 will be set aside for a period of eight weeks from inception or the renewal date to enable the Policyholder to arrange for the required security to be installed.

HH910 ALARM WARRANTY (amended) It is a condition precedent to Our Liability in respect of loss or damage involving theft or attempted theft that:-

• The burglar alarm installed at your Home be maintained in an efficient condition.
• The burglar alarm be put into operation whenever your Home is left unattended.
• You shall notify Us immediately if written notice is received from the alarm receiving station warning of withdrawal of their response to calls from the Alarm.

HH911 RESTRICTION OF BUILDINGS COVER TO INDEMNITY The basis of settlement under the Buildings section is as follows: "In settling claims for loss or damage due allowance will be made for wear, tear and depreciation".

HH912 SWIMMING POOLS This Endorsement applies to all properties with Swimming Pools In respect of Swimming Pools and filtration plant and similar equipment, Section 1, paragraph 6 of the Policy (Burst Pipes) is inoperative. Furthermore, if the filtration plant and similar equipment is housed in a building detached from the main residence, Section 1, paragraph 4 of the Policy (Malicious Damage) will also be inoperative. It is further understood and agreed that no cover will apply in respect of communal swimming pools.

HH913 SUBSIDENCE, HEAVE & LANDSLIP Your policy is extended to include damage caused by subsidence or heave of the site on which the buildings stand, or landslip. We will not pay for:-

• the first £1,000 of any claim
• damage resulting from coastal or river erosion
• damage resulting from faulty workmanship or the use of defective materials
• damage resulting from demolition, alteration or repair to the Buildings
• damage resulting from the bedding down of new structures or settlement of made-up ground
• damage resulting from the movement of solid floors unless the foundations beneath the external walls of your Home are damaged at the same time
• damage to paths, drives, terraces, patios, walls, gates, fences, swimming pools and tennis courts unless the foundations beneath the external walls of the Home are damaged by the same cause, and at the same time
• diminution of market value.

HH914 UNOCCUPANCY When the Home is unoccupied (see policy definition)

• Valuables, Money and Credit Cards must be removed from the home.
• In respect of Perils 6 of Sections 1 and 2 (other than for Spain, Portugal and Southern Cyprus)

• the water, gas and electricity supplies are turned off at the mains (and for the period November to March inclusive all water tanks, pipes and apparatus are drained) Or
• required to operate an automatically operated central heating system used to maintain a minimum temperature of 58°F (15°C) at all times.
• We will not cover the fi rst £200 of any claim.

HH915 PEDAL CYCLES Excludes:- Loss or damage while being used for track racing or trade purposes. Theft unless in a building or securely locked to an immovable object. Loss of or damage to accessories unless caused by an accident to the pedal cycle or unless the pedal cycle is stolen or destroyed by fire at the same time.

HH916 STILLAGE CLAUSE It is warranted that in respect of items stored or contained in the basement area of the premises that they are stored at least 15cm off the floor and that any exposed water pipes in the basement area are suitably lagged.

HH917 LONG TERM LETS Subject to the exclusion of Section 1c Loss of Hiring Charges other than confirmed Holiday Lets.

HH918 MACHINERY LIABILITY In consideration of cover being extended to include a golf buggy, garden tractor or pedal cycle, Section 3 - Liability Exclusion (g) is deleted and further that the limit of indemnity extends beyond the confines of the property, but not beyond the territorial limit of the country in which the property is situate. In respect of France liability is excluded.

HH920 CO-INSURANCE Our liability is limited to a proportion of each and every claim and it is a condition that the remaining proportion of each and every claim shall remain the uninsured responsibility of the Policyholder as defined in the Schedule.

HH921 OBSOLETE BUILDINGS The Buildings Insured by this policy are to be treated as obsolete and the settlement of claims shall be on the basis of:

• the cost of purchasing a similar building plus, if insured, an allowance for the removal of debris or
• the cost of erecting a modern building providing comparable facilities to the insured building plus, if insured, an allowance for professional fees, removal of debris costs and additional expenditure which might arise out of the Local Authorities' requirements.

HH922 ALARM WARRANTY (Standard)

• The burglar alarm at the premises
  • has been installed in accordance with the alarm company's specification lodged with and approved by us and shall not be amended in any way without our consent
  • shall be fully operational at all times when the premises are unoccupied,
  • shall be maintained under contract by the alarm company throughout the currency of this Policy.
• You shall notify us immediately following any advice from the alarm receiving station that their service is being withdrawn.

HH923 EMPLOYER'S LIABILITY For the purposes of Exclusion (b) Section 3 - Liability - United Kingdom the term domestic duties is understood to include clerical, gardening, maintenance and similar activities solely in connection with the Home and full details of which are lodged with the company.

HH926 DELETION OF ACCIDENTAL DAMAGE COVER Cover is deleted for Section 1 - Buildings A11, and Section 2 - Contents A11.

HH927 RESTRICTION OF COVER BUILDINGS CLAUSE Cover under Section 1 Buildings is limited to A1/Fire, Lighting, Earthquake, Subteraneen Fire) only.

HH928 RESTRICTION OF COVER CONTENTS CLAUSE Cover under Section 2 Contents is limited to A1 (Fire, Lighting, Earthquake, Subterraneen Fire) only.

HH929 COVER EXTENDED TO INCLUDE THEFT COVER BY TENANTS Section 1 - Buildings A 7 and Section 2 - Contents A 7 Theft or Attempted Theft has been extended to include Theft or Attempted theft by Tenants.

HH931 COVER EXTENDED TO INCLUDE ACCIDENTAL DAMAGE BY TENANTS Section 1 - Buildings A 11 and Section 2 - Contents A 11 Accidental Damage has been extended to include Accidental Damage caused by Tenants.