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Second home insurance Key Facts
This is a summary and does not contain the full terms and
conditions of the cover, which can be found in the policy booklet.
It is important that you read the policy booklet and schedule
carefully when you receive them. One policy booklet covers all
sections of this policy.
Name of the Second Home Insurance undertaking
The Insurer of all sections of this policy, other than as noted
immediately below, is Lloyds of London Insurance Limited.
Lloyds of London Insurance Limited is authorised and regulated by
the Financial Services Authority.
Type of Second Home Insurance and Cover
The Intasure second Homes Insurance Policy provides cover for
buildings and/or contents. Sections are provided for Buildings,
Contents, Valuables and Personal Effects (optional).
Note: In certain circumstances the cover provided may be different to our standard conditions.
All Sections: Second Home Insurance
Second Home Insurance - Significant Features and Benefits
- Free 24 hour helpline
- £5m public liability
- Covers loss of rent following a claim
- Protect valuables on a new for old basis
Second Home Insurance - Significant and unusual exclusions or limitations
You must comply with conditions of the policy explained in
the General Conditions Section of the policy booklet for
cover to apply. These include your duty to take reasonable
precautions to prevent loss and actions you must take as soon
as you are aware of a possible claim under the policy.
See also the General Exclusions Section of the policy booklet for
those exclusions that apply to all Sections.
- You will have to pay the first part of most claims - this
is known as an 'excess'. The standard policy excess is
£50 although this can be increased in order to obtain a
premium discount.
- Certain losses or damage if any endorsement/clause is
shown on your policy schedule - e.g. theft cover may
be restricted under the Contents Section unless certain
security measures are in force.
- Damage caused by chewing, scratching, tearing or fouling
by domestic animals.
- For properties situated in Spain, Portugal and Southern Cyprus - when unoccupied Sections B and C of HH914 apply (see shaded
box opposite).
- For properties situated in UK, Greece, Italy, France and Republic of Ireland - all sections of HH914 apply
when property is unoccupied.
Second Home - Buildings Insurance Section See Section 1 of the policy booklet for details.
Second Home Buildings Insurance - Significant Features and Benefits
Cover is provided for an extensive list of perils such as fire,
storm, flood, theft, etc. - see policy booklet.
Second home Insurance - Duration of Policy
The policy will remain in force for 12 months from the date of
commencement, or as otherwise shown in your policy schedule.
Second home Insurance - Cancellation Rights
You have the right to cancel your policy during a period of 14
days after the later of the day of purchase of the contract or the
day on which you receive your policy documentation. A full
explanation of your cancellation rights can be found in your policy booklet.
Second home Insurance - Applicable Law
The Law of England and Wales will apply to this contract of
insurance unless otherwise stated or agreed.
Second home Insurance - How to Claim
For claims please call Intasure on 0845 111 0672.
Second home Insurance - Complaints
We hope that you will be very happy with the service we provide.
However, if for any reason you are unhappy with this, we would
like to hear from you. Please refer to your policy booklet for
details on the complaint procedure.
Lloyds of London is a member of the Financial Ombudsman Service.
If you have complained to us and we have been unable to resolve
your complaint, you may then be entitled to refer it to this
independent body.
Second home Insurance - Financial Services Compensation Scheme
Lloyds of London is a member of the Financial Services
Compensation Scheme (FSCS). If we are unable to meet our
obligations you may be entitled to compensation from the
scheme, depending on the type of insurance and circumstances
of the claim.
Second Home Insurance - Underwritten by:
Lloyds of London.
Authorised and regulated by the Financial Services Authority.
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