YOURPOLICYDOCUMENT

ParkHome

Freephone:0800614849

www.coastinsurance.co.uk

ThissectionisadministeredbyParkHomeInsuranceServicesLtd,tradingasCoastunderabindingauthorityagreementwithBritSyndicate2987atLloyd’s(BSL)(writtenunderuniquemarketreferenceB0356JJ548F16A000orreplacementthereof).BSL’sliabilityisseveralanditisliableforitsproportionofliabilityandhasnoliabilityforanyotherinsurers’proportion.ParkHomeInsuranceServicesLtdisauthorisedandregulatedbytheFinancialConductAuthority(firmreferencenumber306716)andisauthorisedtoadministerthissectiononbehalfofBSL.BSLismanagedbyBritSyndicatesLimitedwhichisauthorisedbythePrudentialRegulationAuthorityandregulatedbytheFinancialConductAuthority,registrationnumber204930.ThiscanbecheckedbyvisitingtheFCAwebsiteatwww.fca.org.uk.IntroductionItisimportantthatYoureadthepolicytoensurethatitprovidesthecoverYourequire.IfthereisanythinginitthatYouareunsureabout,pleasecontact:Coast,HelixHouse,HighStreet,Wadhurst,EastSussex,TN56AA.Tel:0800614849oremail:info@coastinsurance.co.ukTheParkHome,Contents,PersonalPossessionsandFamilyLegalSolutionssectionsareunderwrittenbyBritSyndicate2987atLloyd’s.TheParkHome,ContentsandPersonalPossessionssectionsareadministeredbyCoast.TheFamilyLegalSolutionssectionofthispolicyisadministeredbyARAGplc.YourCancellationRightsYouhavetherighttocancelYourpolicyatanytime;todosoYoumustletCoastknowusingthecontactdetailsabove.Anypotentialrefundwillbecalculatedasfollows:Forcancellationinstructionsreceivedwithin14daysofpolicypurchase,renewalorYoureceivingYourpolicydocuments,Wewill:• ProvideafullrefundifthePeriodofInsurancehasnotyetstarted.• RefundthepremiumfortheexactnumberofdaysleftinthecurrentPeriodofInsuranceifno

Claimshavebeenmade.• NotrefundanypartofthepremiumifaClaimhasbeenmadeinthecurrentPeriodofInsurance.

Forcancellationinstructionsreceivedafterthe14dayperioddescribedabovehaspassed,Wewill:• RefundthepremiumfortheexactnumberofdaysleftinthecurrentPeriodofInsuranceifno

Claimshavebeenmadeapplyingamid-termcancellationcharge.• NotrefundanypartofthepremiumifaClaimhasbeenmadeinthecurrentPeriodofInsurance.DataProtectionYoushouldunderstandthatanyinformationYouhaveprovidedwillbeprocessedbyUsincompliancewiththeprovisionsoftheDataProtectionAct1988,forthepurposesofprovidinginsuranceandhandlingClaimsorcomplaints,ifany,whichmaynecessitateprovidingsuchinformationtootherparties.

INDEXTOYOURPOLICY

Page

ParkHomeBuildings,Contents&PersonalPossessionsSection:

ComplaintsProcedure 1-2

ImportantNotice 3

Definitions 4–7

Section1:Buildings 8–14

Section2:Contents 15–23

Section3:PersonalPossessions 24–27

PermanentResidenceExclusionsandConditionswhenUnoccupied/Unfurnished 28-29

HolidayHomeExclusionsandConditions 30

GeneralExclusionsapplicabletothissectionofthePolicy 31-32

GeneralConditionsapplicabletothissectionofthePolicy 33-35

HowtomakeaClaim 36

FamilyLegalSolutionsSection:

Definitions 37-39

Cover 39-42

WhatisnotinsuredbytheLegalExpensesPolicy 43

ConditionsapplicabletothewholeoftheLegalExpensesPolicy 44-45

ComplaintsProcedure 46-47

HowtomakeaClaim 48

1

COMPLAINTSPROCEDURE

OuraimisalwaystogiveYouthehighestlevelofservicebutshouldYouatanytimebecomedissatisfiedpleaseseebelow.Coast’sCommitmenttoCustomerServiceCoastvaluetheopportunitytolookintoanyconcernsYoumayhavewiththeserviceprovidedandarecommittedtodealingwithallcomplaintsfairly,consistentlyandpromptly.WhotoContactintheFirstInstanceManyconcernscanberesolvedstraightaway,therefore,pleasegetintouchwithCoastastheywillgenerallybeabletoprovideYouwithanimmediateresponsetoYoursatisfaction.Coast’scontactdetailsareprovidedbelow:ComplianceManager,Coast,HelixHouse,HighStreet,Wadhurst,EastSussexTN56AA.Youcantelephoneon0800614849(freefromlandlinesandmobiles)ore-mail:info@coastinsurance.co.uk.IfYourcomplaintcannotberesolvedstraightaway,orintheeventthatYouremaindissatisfiedYoucanreferthemattertoPolicyholderandMarketAssistanceatLloyd's.Thecontactdetailsare:PolicyholderandMarketAssistance,MarketServices,Lloyd’s,FidentiaHouse,WalterBurkeWay,ChathamMaritime,KentME44RN.Youcantelephoneon02073275693,facsimileon02073275225ore-mail:complaints@lloyds.com.TheFinancialOmbudsmanServiceIfLloyd’sareunabletoresolveYourcomplainttoYoursatisfactionwithineightweeks,orifYouremaindissatisfiedfollowingreceiptofCoast’sfinalresponseletter,YoucanasktheFinancialOmbudsmanServicetoformallyreviewYourcase.ShouldYoudecidetodothis,YoumustcontacttheFinancialOmbudsmanServicewithinsixmonthsofCoast’sfinalresponse.TheFinancialOmbudsmanServicecontactdetailsareasfollows:FinancialOmbudsmanService,ExchangeTower,HarbourExchangeSquare,LondonE149SR.Youcantelephoneforfreeon08000234567,ore-mail:complaint.info@financial-ombudsman.org.uk.WhilstWeandCoastareboundbythedecisionoftheFinancialOmbudsmanService,Youarenot.FollowingthecomplaintsproceduredoesnotaffectYourlegalrights.

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ComplaintProcedureLeafletAleafletcontainingfulldetailsofthecomplaintprocedurewillbeprovidedduringthecomplainthandlingprocessandisavailableonrequest.CompensationBritSyndicate2987atLloyd’siscoveredbytheFinancialServicesCompensationScheme(FSCS)whichmeansthatYoumaybeentitledtocompensationifWeareunabletomeetOurobligationstoYou.Furtherinformationisavailableatwww.fscs.org.ukorbycontactingtheFSCSdirectlyon08006781100.TelephoneCallRecordingForOurjointprotectiontelephonecallsmayberecordedand/ormonitored.

3

PARKHOMEINSURANCEPOLICY–IMPORTANTNOTICE(ParkHome,Contents&PersonalPossessionsSection)

ThispolicyisanagreementbetweenYou(thepersonshowninYourScheduleastheInsured)andUs(BritSyndicateatLloyd’s).YoumustreadthispolicytogetherwithYourScheduleandanyspecificationsorEndorsementsasonecontract.PleasereadallofthemtomakesurethattheyprovidethecoverYouaskedfor.Iftheydonot,pleasecontactCoastassoonaspossible.WewillinsureYouagainstloss,damageorlegalliabilitywhichmayoccurduringthePeriodofInsuranceinaccordancewiththeSectionsspecifiedintheSchedulesubjecttotheexclusions,conditionsandEndorsementsofthepolicyinreturnforpaymentbyYouofthepremium.InformationYouHaveGivenUsIndecidingtoacceptthispolicyandinsettingthetermsandpremium,WehavereliedontheinformationYouhavegivenUs.YoumusttakecarewhenansweringanyquestionsWeaskbyensuringthatallinformationprovidedisaccurateandcomplete.IfWeestablishthatYoudeliberatelyorrecklesslyprovidedUswithfalseormisleadinginformationWewilltreatthispolicyasifitneverexistedanddeclineallClaims.IfWeestablishthatYoucarelesslyprovidedUswithfalseormisleadinginformationitcouldadverselyaffectYourpolicyandanyClaim.Forexample,Wemay:• treatthispolicyasifithadneverexistedandrefusetopayallClaimsandreturnthepremium

paid.WewillonlydothisifWeprovidedyouwithinsurancecoverwhichWewouldnototherwisehaveoffered;

• amendthetermsofYourinsurance.WemayapplytheseamendedtermsasiftheywerealreadyinplaceifaClaimhasbeenadverselyimpactedbyYourcarelessness;

• reducetheamountWepayonaClaimintheproportionthepremiumYouhavepaidbearstothepremiumWewouldhavechargedYou;or

• cancelYourpolicyinaccordancewiththerighttocancelconditionbelow.WeorCoastwillwritetoYouifWe:• intendtotreatYourpolicyasifitneverexisted;or• needtoamendthetermsofYourpolicy.IfYoubecomeawarethattheinformationYouhavegivenUsisinaccurate,YoumustinformCoastassoonaspracticable.ChoiceofLawYourpolicyisgovernedbythelawthatappliestowhereYouresidewithintheUnitedKingdom.Ifthereisanydisagreementaboutwhichlawapplies,Englishlawwillapply.UseofLanguageUnlessotherwiseagreed,thecontractualtermsandconditionsandotherinformationrelatingtothiscontractwillbeinEnglish.

4

DEFINITIONS(ParkHome,Contents&PersonalPossessionsSection)

ThedefinitionsgivenforthefollowingwordsorexpressionswillapplywherevertheyappearintheScheduleorEndorsements.Theyalsoapplywherevertheyappearinthepolicy.

AccidentalDamage Unexpectedandunintendeddamagecausedbysuddenandvisiblemeans.

Buildings ThestructureoftheparkHome,itspermanentfixturesandfittingsanddecorativefinishes,foundationslab,patios,terraces,hardsportscourts,sunkenswimmingpools,ornamentalponds,fountains,cesspits,septictanks,paths,drives,walls,gates,fences,railingsandlamppostsallcontainedonorwithinorformingtheboundariesofthelandattheaddressspecifiedintheScheduleEXCLUDING:satellitetelevisionreceivingequipment,televisionorradioaerials,aerialfittings,aerialmastsorplinths.

Claim Asinglelossorseriesoflossesarisingfromoneoriginatingcauseforwhichinsuranceisprovidedbythispolicy.

ClaimPayment TheamountWeagreetopayforaClaim.WehavediscretionfollowingaClaimtomakepaymentoftheamountofthelossbutnotmorethanthecostoftherepairoreffectnecessaryrepair,replacementorreinstatement.ThemaximumamountWewillpayforaClaimistheSumInsuredshownintheScheduleplusIndex-LinkedincreaseslesstheamountofanyExcessor,ifthereisaspecificamountstatedinthepolicyasthelimitofwhatWewillpay,Wewillnotpaymorethanthatlimit.

Contents Householdgoodsandappliances,furnitureandfurnishings,Moneyupto£500,andanyotherpropertybelongingtoortheresponsibilityofYouoramemberoftheFamilyandtenants’fixturesandfittings.EXCLUDING:a) MotorVehicles,mobilityscooters,caravans,trailers,watercraft,

boats,canoes,sailboards,surfboards,hovercraft,aircraftandtheirpartsandaccessories,

b) livingcreatures,livestockandpets,c) trees,bushesorplantsofanykindotherthanhouseplantsnormally

keptinthelivingaccommodationoftheHome,d) thestructure,permanentfixturesandfittingsanddecorative

finishesoftheHome,e) plans,drawings,deeds,documents,securitiesorcertificatesofany

kindwhicharenotdefinedasMoney,f) cookers,hobsorothercookingequipmentorelectricalappliances

formingpartofpermanentlyfittedunits,g) propertyheldorusedwhollyorpartlyforbusinessorprofessional

purposes,h) propertymorespecificallyinsuredeitherelsewhereinthispolicyor

onanyotherpolicyofinsurance.

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CreditCard Credit,debit,chequeguarantee,charge,bankersandcashdispensercardsheldorusedbyYouortheFamily.

Endorsements Avariationinthetermsofthispolicy.

Excess AnamountdeductedfromaClaimPayment.TheamountofanyExcessisstatedinthispolicyorintheSchedule.

Family YouandYourspouseordomesticpartner,children,parents,relativesandotherpersons,allpermanentlylivingintheHome.

Home ThestructurecomprisingYourlivingaccommodationand,providedtheyaresituatedonorwithintheboundariesofthelandoftheaddressshownintheSchedule,Yourgarage,domesticgreenhouses(upto100sqftfloorarea),smalloutbuildingsandshedsunlessspecifiedotherwiseontheSchedule.

HolidayHome TheHomeisoccupiedasaHolidayHomeandnotYourpermanentresidence.ThisincludesprivateuseoftheHomebyYou,YourFamilyandfriendsonanon-profitbasiswithnoadvertisedlettingsandfornocommercialgain.Wherepaymentisreceivedfortheuseofgas,electricity,wateretc.thenthisisacceptablebutifthepaymentincludestheuseoftheHomethenitmustbeinsuredasaholidaylet.SeePage30foradditionalexclusionsandconditions.

HolidayLetting TheHomeisletforuse(whethercommerciallyletorotherwise)tomembersofthepublicoutsideofYourFamilyandfriendsand/orpaymentisreceivedfortheuseoftheHome.SeePage30foradditionalexclusionsandconditions.

Index-Linked TheSumInsuredstatedontheSchedulewillbeadjustedannuallyatrenewalinlinewiththeindicesshownbelow.IfthevariationinanindexisareductionwewillnotreducetheSumInsuredunlessYoutellUsinwritingtodoso.

Section1Buildings TheHouseRebuildingCostIndexproducedbyTheRoyalInstitutionofCharteredSurveyors

Section2Contents TheDurableHouseholdGoodsSectionofTheGeneralIndexofRetailPrices

Section3PersonalPossessions TheSumsInsuredunderthisSectionwillnotbeIndex-Linked

WhereWespecifyinthispolicyamonetaryamountuptowhichWewillpayforaClaimsuchspecificmonetaryamountsarenotIndex-Linked.

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Money Cash,currency,banknotesorcoins,cheques,travellers’cheques,postalandmoneyorders,unusedpostagestamps,savingscertificates,bondsandpremiumbonds,tradingstamps,savingsstamps,accumulatedcreditsforretailloyaltyschemes,luncheonvouchers,giftvouchers,travel,theatre,sportingeventorsimilarticketsheldbyYouortheFamilysolelyforprivatepurposes.

MotorVehicles Anyelectronicallyormechanicallyorpowerdrivenassistedvehicleotherthan:a) pedestriancontrolledtoysormodels,b) pedestriancontrolledgolftrolleys,c) gardenimplementsandequipmentusedbyYouortheFamily

withintheboundariesofthelandofYourHome.

MusicalInstruments Musicalinstruments,electricalorelectronicormechanicalequipmentdesignedorintendedtoproduce,whetherinconjunctionwithMusicalInstrumentsorotherwise,soundofamusicalnature.

OverseasTravel TemporaryabsencefromtheHomeoutsidetheUnitedKingdomforupto60daysinanyonePeriodofInsurance.

PeriodofInsurance TheperiodstatedintheScheduleforwhichWeagreetoacceptandYouhavepaidoragreedtopaythepremium.

PermanentResidence Main,principaloronlyresidence.

PersonalPossessions ItemsyouwishtoinsureawayfromtheHome.Anyitemvaluedatmorethan£1,000mustbespecifiedandtheSumInsuredshouldrepresentthecostofbuyingtheitemnewatthetimeoftheloss.Anyitemleftunattendedinacarwillonlybecoveredifthecarisfullylocked,allwindowsandsunroofsarefullyclosedanditemsareplacedinthebootoutofsight.Pleasenote,areceiptorcopyvaluationnotmorethantwoyearsoldmayberequiredintheeventofaClaim.

Schedule Yournameandaddress,detailsoftheinsurancebythispolicy,thePeriodofInsuranceandthesectionsofthepolicywhichareinforceandanyEndorsementswhichapply.TheScheduleispartofthepolicy.

SpecifiedItems Articlesvaluedatmorethan£1,000composedofpreciousmetalsorincorporatingpreciousstones,jewellery,furs,watches,photographicorvideoequipment(non-professionaluseonly),laptopcomputers,mobilephones,hearingaids,binoculars,shotguns,wearingapparelandotherarticlesnormallyworn,usedorcarried.TheSumInsuredshouldrepresentthecostofbuyingtheitemnewatthetimeoftheloss.Pleasenote,areceiptorcopyvaluationnotmorethantwoyearsoldmayberequiredintheeventofaClaim.

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SumInsured TheSumInsuredasshownontheScheduletogetherwithanyadjustmentforIndex-Linking(whereapplicable)isthemostWewillpayforanyoneClaim.However,ifaspecificlimitapplies(asdetailedinthispolicy)Weshallnotpaymorethanthatspecificlimit.TheSumInsuredunderSection1BuildingsmustbeadequatetorebuildthewholeoftheBuildingsatthetimeofthelossinanewconditionsimilarinform,sizeandstyleincludingthecostofprofessionalfees,siteclearancecostsandcostsincurredbecauseoftherequirementsoflocalauthoritiesorotherstatutoryorganisations.TheSumsInsuredundereachofSection2ContentsandSection3PersonalPossessionsmustbeadequatetoreplacealloftheinsureditemsatthetimeofthelosstakingintoaccounttheBasisofSettlementdescribedatthebeginningofeachoftheSections.

UnitedKingdom GreatBritain(ie.England,Scotland,Wales,theIsleofManandtheChannelIslands)andNorthernIreland.

Unfurnished WithoutenoughfurnitureandfurnishingsforfullhabitationasaPermanentResidenceformorethan60consecutivedays.

UnfurnishedHolidayHome

WithoutenoughfurnitureandfurnishingsforfullhabitationasaHolidayHomeforanycontinuousperiodexceeding72hours.

Unoccupied NotlivedinbyYou,orbyanyotherpersonauthorisedbyYou,formorethan60consecutivedaysasaPermanentResidence.

UnoccupiedHolidayHome

NotlivedinbyYou,orbyanyotherpersonauthorisedbyYou,foranycontinuousperiodexceeding72hours.

UnspecifiedItems Articles valued at less than £1,000 composed of precious metals orincorporatingpreciousstones,jewellery,furs,watches,photographicorvideo equipment, binoculars, wearing apparel and other articlesnormallyworn,usedorcarriedwithintheHome.TocoverarticlesawayfromtheHome,youwillrequirePersonalPossessionscover.

Valuables Anyarticlescomposedofpreciousmetalsorincorporatingpreciousstones,jewellery,furs,watches,worksofart,antiques,curios,collectionsofstampsorcoinsormedals.Pleasenote,areceiptorcopyvaluationnotmorethantwoyearsoldmayberequiredintheeventofaClaim.

We/Us/Our BritSyndicate2987atLloyd’s.

You/Your Theperson(s)namedintheScheduleastheinsured.

8

SECTION1–BUILDINGSTheSumInsuredstatedintheScheduleisIndex-LinkedandwillnotbereducedbytheamountofanyClaimPayment.BasisofClaimSettlement

1. TheSumInsuredmustbeadequatetopayforthefullcostofrebuildingthewholeoftheBuildingsinanewconditionsimilarinform,sizeandstyleincludingthecostofexpenseslistedunderExtensionDofthisSectionatthetimeoftheloss.

2. IftheSumInsuredissufficienttopayforthecostofrebuildingasstatedin1.aboveandtheBuildingshavebeenmaintainedingoodrepairWewill,atOuroption,paythecostofrepairing,reinstatingorrebuildingthepartoftheBuildingswhichhasbeendamagedordestroyedbyanInsuredPeril.

3. IftheSumInsuredisnotsufficienttopayforthefullcostofrebuildingasstatedin1.above,anyClaimPaymentwillbereducedbytheproportionwhichtheSumInsuredbearstothefullcostofrebuildingthewholeoftheBuildings.

4. WewillnotpaymoreforeachClaimarisingoutofInsuredPerils1to17orExtensionsAorBthantheSumInsuredonBuildingsshownintheScheduleplusIndex-LinkedincreaseslesstheamountofanyExcess.

5. Wewillnotpaythecostofreplacinganyundamageditemorpartofanitemsolelybecauseitformspartofaset,suiteoroneofanumberofitemsofasimilarnature,colourordesign,whenlossordamageoccurswithinaclearlydefinedareaortoaspecificpartandreplacementscannotbematched.

6. Excess–Youmustpaythefirst£25inrespectofeachandeveryClaimarisingoutofInsuredPerils1to15and17,or£50foreachandeveryClaimarisingoutofInsuredPeril16.IfWeandYouhaveagreedondifferentExcessesdetailsareshownontheSchedule.

9

STANDARDCOVER EXCLUSIONS(seealsoGeneralExclusions)

WewillpayforlossofordamagetotheBuildingsduringthePeriodofInsurancecausedbythefollowingInsuredPerils:

i) TheamountoftheExcessshowninthePolicyorontheSchedule.

ii) Damagebywetordryrotarisingfromanycause.

InsuredPerils:

1. Fire. -

2. Explosion. -

3. Smoke. 3. Lossordamagebyanygraduallyoperatingcause.

4. Lightningandthunderbolt. -

5. Earthquake. -

6. Subterraneanfire. -

7. Theftorattemptedtheft. 7. Lossordamage:i) whiletheHomeisUnfurnishedor

Unoccupied,ii) causedbyamemberoftheFamily.

8. Riot,civilcommotion,strikes,labourandpoliticaldisturbances.

-

9. Vandalismandactsofmaliciouspersons. 9. Lossordamage:i) causedbyanypersonlawfullyinthe

Home,ii) whiletheHomeisUnfurnishedor

Unoccupied.

iii) Escapeofwateroroilfrom:a) fixedtanks,apparatus(includingwashing

machines)orpipesanddamagetosuchitemsbyfreezing,

b) fixeddomesticoil-firedheating

installation,pipesorapparatus.

10. a) Lossordamage:

i) totheapparatus(includingwashingmachines),installationorpipesthemselvesifcausedbywearandtear,

ii) whiletheHomeisUnfurnishedorUnoccupied.

b) LossordamagewhiletheHomeisUnfurnishedorUnoccupied.

iv) Stormorflood. 11. Lossordamage:i) togates,fences,hedgesorhardsports

courtsandancillaryequipment,ii) byfrost,subsidence,landsliporheave,iii) duetoanygraduallyoperatingcause.

v) Fallingtreesorbranches. 12. Lossordamage:i) togates,fencesorhedges,ii) resultingfromfellingorloppingoftreesby

You,theFamily,oronYourbehalf.

10

STANDARDCOVER EXCLUSIONS(seealsoGeneralExclusions)

vi) ImpactwiththeBuildingsbyanyvehicle,animalorbyarticlesdroppedorfallingfromthem.

13. Lossordamagecausedbyinsects,vermin,birdsordomesticpets.

vii) ImpactwiththeBuildingsbyanyaircraftorbyarticlesdroppedorfallingfromthem.

-

viii) DamagetotheBuildingscausedbythebreakageorcollapseofsatellitetelevisionreceivingequipment,televisionorradioaerials,aerialfittingsormasts.

15. Lossordamagetotheequipmentitself.

16. SubsidenceorheaveofthesiteonwhichtheBuildingsstand,orlandslip.

16. i) Damagetoorresultingfromthe

movementofsolidfloorslabsunlessthefoundationsbeneaththeexternalwallsoftheHomearedamagedatthesametimebythesamecause.

ii) Lossordamage:a) causedbyorresultingfromcoastalor

rivererosion,b) causedbybeddingdownofthenew

Buildings,c) causedbyorresultingfromthe

settlementofnewlymadeupground,d) resultingfromnormalsettlement,

shrinkageorexpansion,e) duetodemolition,structural

alterationorstructuralrepair.iii) Lossordamagetopatios,terraces,hard

sportscourts,sunkenswimmingpools,ornamentalponds,fountains,cesspits,septictanks,centralheatingfueltanks,paths,drives,walls,gates,fences,railingsandlamppostsunlesstheHomeisdamagedatthesametimebythesamecause.

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STANDARDCOVER EXCLUSIONS(seealsoGeneralExclusions)17. AccidentalDamage.

17. Damage:i) causedbyorarisingfrom:

a) frost,damp,corrosion,rust,wetordryrot,fungus,insects,vermin,woodworm,domesticpets,wearandtear,oranygraduallyoperatingcause,

b) deliberateactsbyYouortheFamily,c) thecostofmaintenanceandnormal

redecorationorrepairworkorreplacingelectricalormechanicalequipmentfollowingitsbreakdownormisuse,

d) faultyworkmanship,defectivedesignortheuseofdefectivematerials,

ii) occurringwhiletheHomeisUnfurnishedorUnoccupied.

iii) occurringwhiletheHomeoranypartofitislent,letorsub-let.

iv) causedbyorarisingfromInsuredPerils1to16inclusiveaboveorinsuredbyExtensionsAorBtothisSection.

v) specificallyexcludedunderInsuredPerils1to16aboveorExtensionsAorBtothisSection.

vi) occurringduringconstruction,erectionorinstallationortoanypropertynotformingpartoftheBuildingsusedinconnectionwithsuchconstruction,erectionorinstallation.

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EXTENSIONSAPPLYINGTOSECTION1–BUILDINGSYouarealsoinsuredforthefollowing:

EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusions)

AGlassandSanitaryFixtures

WewillpaythecostofreplacingorrepairfollowingAccidentalDamageto:1. fixedglass(includingdouble

glazing)inwindows,doors,fanlightsandskylightsformingpartoftheHome,

2. sanitaryfixturesintheHome,3. ceramichobsintheHome

formingpartofpermanentlyfittedunits.

i) LossordamageoccurringwhiletheHomeisUnfurnishedorUnoccupied.

ii) TheamountoftheExcess.iii) AnyamountexceedingtheSum

InsuredontheBuildings.

BUndergroundServices

WewillpaythecostofrepairfollowingAccidentalDamagetoundergroundservicepipesorcablesforwhichYouarelegallyresponsibleprovidingservicestoorfromtheHome.

i) Anycostsincurredinclearingablockage.

ii) Anycostsincurredforanydamagecausedtoservicepipesorcableswhilstclearingorattemptingtoclearablockage.

iii) TheamountoftheExcess.iv) AnyamountexceedingtheSum

InsuredontheBuildings.

CAlternativeAccommodationand/orLossofRent

WhiletheHomeremainsuninhabitableasaresultoflossordamageinsuredunderthisSectionWewillpayYoufor:

1. thecostofreasonablealternativeaccommodationifthisisnecessaryforYou,theFamily,YourdomesticpetsandYourresidentdomesticemployees,

2. lossofrentduetoYou,3. uptotwoyearsgroundrentif

Youcontinuetobeliabletopayit.

ThemostWewillpayunderthisExtensionshallnotexceed20%oftheSumInsuredonBuildingseachClaim.

i) CostorrentincurredwithoutOurprioragreement.

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EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusions)

DProfessionalFeesandOtherCosts

FollowinglossordamageduetoanInsuredPerilWewillpayfor,providedOurprioragreementhasbeenobtained:1. architects’,surveyors’,legaland

otherfeesnecessarytorepairorrebuildtheBuildings,

2. thecostofmakingtheBuildingssafe,removalofdebrisandclearingthesite,

3. theadditionalcostsofrebuildingorrepairarisingfromcompliancewithgovernmentorlocalauthorityrequirements

4. feespayabletothesiteownerwhicharespecifiedinawrittencontractandwhicharesolelyinconnectionwiththerebuildingorrepairoftheBuildings.

i) AnycostsincurredinpreparingaClaimunderthisPolicy.

ii) Costsarisingunderanoticeservedbythegovernmentorlocalauthoritypriortothelossordamage.

EContractingBuyer

WhenYouhavecontractedtoselltheHomethepurchaserwillhavethebenefitofcoverunderthetermsofthisSectioninrespectoflossordamageoccurringbetweentheperiodofexchangeofcontractsandcompletionofthesaleoftheHome.

i) Lossordamageinsuredunderanyotherpolicy.

ii) AnyamountpayableunderExtensionC–AlternativeAccommodationand/orLossofRent.

FPropertyOwner’sLiability

Wewillpaydamagesandclaimants’costsandexpensesforwhichYouarelegallyliableinrespectofaccidentsoccurringduringthePeriodofInsuranceresultinginthedeathof,orbodilyinjuryto,anypersonorlossofordamagetopropertyarising:i) solelyfromownership(not

occupation)oftheBuildingsandtheirland,

ii) underSection3oftheDefectivePremisesAct1972orSection5oftheDefectivePremises(NorthernIreland)Order1975inrespectofanyprivatehouseorflatwhichYoupreviouslyownedandoccupied.

Liability:i) forthedeathoforbodilyinjury

toamemberoftheFamily,ii) forthedeathoforbodilyinjury

toanypersonemployedbyamemberoftheFamilywheredeath,orinjuryarisesoutofandinthecourseofsuchemployment,

iii) fordamagetopropertybelongingtoorunderthecontrolofYouoramemberoftheFamilyorapersonemployedbyamemberoftheFamily,

iv) arisingoutofanybusinessorprofessionortheuseofliftsorMotorVehicles,

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EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusions)

F

PropertyOwner’sLiability(continued)

Inaddition,theinsuranceprovidedinrespectofliabilityarisingbyvirtueofSection3oftheDefectivePremisesAct1972orSection5oftheDefectivePremises(NorthernIreland)Order1975,willcontinueforaperiodofsevenyearsfromthedateofcancellationofthisPolicyinrespectoftheBuildingsinsuredatthedateofcancellation.ThetotalamountpayableinrespectofeachClaimislimitedto£5,000,000.InadditionWewillpaydefencecostsandexpensesincurredwithOurwrittenconsent.IntheeventofYourdeath,WewillindemnifyYourlegalpersonalrepresentativesunderthetermsofthisExtensioninrespectofliabilityincurredbyYou.

Liability(continued):

v) arisingfromacontract,whetherwrittenornot,whichimposesaliabilitywhichYouoranymemberoftheFamilywouldnototherwisehavebeenunder,

vi) underSection3oftheDefectivePremisesAct1972orSection5oftheDefectivePremises(NorthernIreland)Order1975,whereamorerecentlyeffectedorcurrentpolicycoverstheliability.

G

StolenKeys

Ifthekeystothelocksoftheexternaldoorsofthelivingaccommodationarestolen,Wewillpaythecostofreplacingtheexternallocksandtheirkeysuptoamaximumamountof£300eachClaim.ThemostWewillpayunderthisExtensionandExtensionEofSection2is£300intotaleachClaim.

i) Anyadditionalcostsincurredinfittingnewlockswhicharebetterinquality,specificationorstylethanthosebeingreplaced.

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SECTION2–CONTENTSTheSumInsuredstatedintheScheduleisIndex-LinkedandwillnotbereducedbytheamountofanyClaimPayment.BasisofClaimSettlement1. TheSumInsuredmustbeadequatetopayforthefullcostofreplacingalltheContentsina

newconditionatthetimeoftheloss(aftermakinganallowanceforwearandtearanddepreciationonarticlesofclothingandhouseholdlinen).

2. IftheSumInsuredissufficienttopayforthefullcostofreplacingYourContentsasstatedin1.above,Wewillpayforthecostofrepairor,wheretheContentsarelostordamagedbeyondrepair,Wewill,atOuroption,replacethemorpayforthecostofreplacingtheminthesameformandstyleasnewwithnodeductionforwearandtearordepreciation.However,adeductionforwearandtearanddepreciationwillbemadeforclothingandhouseholdlinen.

3. IftheSumInsuredisnotsufficienttopayforthefullcostofreplacingYourContentsasstatedin1.above,anyClaimPaymentwillbereducedbytheproportionwhichtheSumInsuredbearstothefullcostsofreplacingallYourContents.

4. WewillnotpaymoreforeachClaimarisingoutofInsuredPerils1to17orExtensionsC,DorQthantheSumInsuredshownontheSchedulenormorethanthespecificamountsstatedintheExtensionstothisSection.

5. Wewillnotpaythecostofreplacinganyundamageditemorpartofanitemsolelybecauseitformspartofaset,suiteoroneofanumberofitemsofasimilarnature,colourordesignwhenlossordamageoccurswithinaclearlydefinedareaortoaspecificpartandreplacementscannotbematched.

6. UnderthisSectionWewillnotpaymorethan:a. theSumInsuredforContentsnormorethantheamountsstatedasspecificinnerlimits

inB,CandDbelow,b. thelimitforanyoneValuable–10%oftheSumInsuredforContentsor£1,000,

whicheveristheless,unlessspecificallydetailedontheSchedule,c. thelimitforValuablesintotal–40%oftheSumInsuredforContents,unlessspecifically

detailedontheSchedule,d. thelimitforMoney-£500.IfWeandYouhaveagreedonlimitsotherthanthosestatedinB,CandDabovesuchotherlimitsareshownonYourSchedule.

7. Excess–Youmustpaythefirst£25inrespectofeachandeveryClaimarisingoutofInsuredPerils1to17.IfWeandYouhaveagreedondifferentExcessesdetailsareshownontheSchedule.

16

STANDARDCOVER EXCLUSIONS(seealsoGeneralExclusions)

WewillpayforlossofordamagetotheContentsintheHomeduringthePeriodofInsurancecausedbythefollowingInsuredPerils:

i) TheamountoftheExcessshowninthePolicyorontheSchedule.

ii) Damagebywetordryrotarisingfromanycause.

iii) LossofordamagetoContentsindetachedgarages,shedsoroutbuildingsotherthanasprovidedinExtensionQ.

InsuredPerils:

1. Fire. -

2. Explosion. -

3. Smoke. 3. Lossordamagebyanygraduallyoperatingcause.

4. Lightningandthunderbolt. -

5. Earthquake. -

6. Subterraneanfire. -

7. Theftorattemptedtheft. 7. Lossordamage:i) whiletheHomeisUnfurnishedor

Unoccupied,ii) occurringwhiletheHomeoranypartof

itislent,letorsub-letunlessentryorexitisobtainedbyforcibleandviolentmeans,

iii) causedbyamemberoftheFamily.

8. Riot,civilcommotion,strikes,labourandpoliticaldisturbances.

-

9. Vandalismandactsofmaliciouspersons.

9. Lossordamage:i) causedbyanypersonlawfullyinthe

Home,ii) whiletheHomeisUnfurnishedor

Unoccupied.

10. Escapeofwateroroilfrom:a) fixedtanks,apparatus(including

washingmachines)orpipesanddamagetosuchitemsbyfreezing,

b) fixeddomesticoil-firedheatinginstallation,pipesorapparatus.

10. a)i) LossordamagewhiletheHomeis

UnfurnishedorUnoccupied.b)

i) LossordamagewhiletheHomeisUnfurnishedorUnoccupied,

ii) Lossoftheoilitself(seeExtensionG).

11. Stormorflood. 11. Lossordamage:i) topropertynotinsidetheHome,ii) byfrost,iii) duetoanygraduallyoperatingcause.

17

STANDARDCOVER EXCLUSIONS(seealsoGeneralExclusions)

InsuredPerils:

12. Fallingtreesorbranches. 12. LossordamageresultingfromfellingorloppingoftreesbyYou,theFamily,oronYourbehalf.

13. Impactbyanyvehicle,animalorbyarticlesdroppedorfallingfromthem.

13. Lossordamagecausedbyinsects,vermin,birdsordomesticpets.

14. Impactbyanyaircraftorbyarticlesdroppedorfallingfromthem.

-

15. Breakageorcollapseofsatellitetelevisionreceivingequipment,televisionorradioaerials,aerialfittingsormasts.

-

16. SubsidenceorheaveofthesiteonwhichtheBuildingsstandorlandslip.

16. Lossordamagecausedbyorresultingfromcoastalorrivererosion.

17. AccidentalDamage 17. Damage:i) causedbyorarisingfrom:

a. frost,damp,corrosion,rust,wetordryrot,fungus,insects,vermin,woodworm,domesticpets,wearandtear,oranygraduallyoperatingcause,

b. deliberateactsbyYouortheFamily,c. thecostofmaintenanceandnormal

redecorationorrepairworkorreplacingelectricalormechanicalequipmentfollowingitsbreakdownormisuse,

d. faultyworkmanship,defectivedesignortheuseofdefectivematerials,

e. anyprocessofcleaning,dyeing,repair,renovationoralteration.

ii) occurringwhiletheHomeisUnfurnishedorUnoccupied,

iii) occurringwhiletheHomeoranypartofitislent,letorsub-let,

iv) causedbyorarisingfromInsuredPerils1to16inclusiveaboveorinsuredbyExtensionsC,D,E,ForHtothisSection,

v) specificallyexcludedunderInsuredPerils1to16inclusiveaboveorExtensionsC,D,E,ForHtothisSection

vi) toclothingorcontactlensesvii) todomesticpetsorlivestock.

18

EXTENSIONSAPPLYINGTOSECTION2–CONTENTSYouarealsoinsuredforthefollowing:

EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusions)

AContentsintheOpen

WewillpayforYourContentsiftheyarelostordamagedbyanyoftheInsuredPerils1to10and12to16ofthisSectionwhiletheyareintheopenwithintheboundariesofthelandoftheHome.ThemostWewillpayunderthisExtensionis£500intotalforeachClaim.

i) LossofordamagetoMoney.ii) Lossordamageduringthe

courseofapermanentremovaltoorfromtheHomeotherthanwhilstintheprocessofloadingontoorunloadingfromavehicle.

iii) Lossordamagecausedbystormorflood.

iv) LossordamagespecificallyexcludedunderInsuredPerils1to10and12to16inthisSection.

v) LossordamageoccurringwhiletheHomeisUnoccupied.

vi) TheamountoftheExcess.

BContentsTemporarilyRemoved

WewillpayforYourContentsif,whilsttheyaretemporarilyremovedfromtheHometoanywherewithintheUnitedKingdom,theyarelostordamagedbyanyofInsuredPerils1to6or8to16ofthisSection.InadditionWewillpayforlossofordamagetoYourContentscausedbyorarisingfromtheftorattemptedtheftwhiletheyarein:i) anybankorsafedepositorinthe

courseofremovaltoorfromanybankorsafedepositbyYouoramemberoftheFamily,

ii) anoccupiedprivatehouseorflat,iii) anybuildingwhereYouora

memberoftheFamilyareemployedorengagedinbusiness,

iv) anyotherbuildingprovidedforcibleandviolentmeansofentryorexitareused.ThemostWewillpayunderthisExtensionis£5,000anyoneClaim.

i) LossordamagetoContents:a) removedforsaleor

exhibitionorinafurnituredepository,

b) intheopencausedbyorarisingfromstormorflood,

c) removedfromtheHomeandbelongingtoortheresponsibilityofanystudentmemberoftheFamilywhoislivingawayfromtheHome,

ii) TheftofMoneyfromanybuildingwhereYouoramemberoftheFamilyareemployedorengagedinbusiness.

iii) TheamountoftheExcess.

19

EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusions)

C

MirrorsandGlass

Wewillpayforlossofordamagetomirrors,glasstops,fixedglassinfurnitureandceramichobsinfreestandingappliancesfollowingAccidentalDamage.ThemostWewillpayunderthisExtensionshallnotexceedtheSumInsuredonContents.

i) LossordamagewhiletheHomeisUnoccupied.

ii) TheamountoftheExcess.

DHomeEntertainmentandComputerEquipment

Wewillpayforlossofordamagetotelevisionandaudioequipment,videoplayersandrecorders,computerequipment(usedsolelyfordomesticpurposes)whenintheHome,andtelevisionaerialsandsatellitetelevisionreceivingaerialsandequipmentcausedbyAccidentalDamagethatYouown,orforwhichYouoramemberoftheFamilyarelegallyresponsible.ThemostWewillpayunderthisExtensionshallnotexceedtheSumInsuredonContents.

i) Mechanicalorelectricalfailure,wearandtear.

ii) Anyprocessofmaintenance,repair,erection,dismantling,constructionorcleaning.

iii) Damagetorecords,discs,tapes,cassettes,cartridgesorcomputersoftware.

iv) Lossordamagecausedbydomesticpets,verminorinsects.

v) LossordamagewhiletheHomeislent,letorsub-letorUnoccupied.

vi) LossarisingfromremovalbytheownerwithorwithoutYourconsent.

vii) LossordamagecausedbyorarisingfromInsuredPerils1to16inthisSection.

viii) LossordamagespecificallyexcludedunderInsuredPerils1to16inthisSection.

ix) TheamountoftheExcess.

E

StolenKeys

Ifthekeystothelocksofexternaldoorsofthelivingaccommodationarestolen,Wewillpaythecostofreplacingtheexternallocksandtheirkeysuptoamaximumamountof£300eachClaim.ThemostWewillpayunderthisExtensionandExtensionGofSection1is£300intotaleachClaim.

i) Anyadditionalcostsincurredinfittingnewlockswhicharebetterinquality,specificationorstylethanthosebeingreplaced.

20

EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusions)

FAlternativeAccommodationand/orLossofRent

WhiletheHomeremainsuninhabitableasaresultoflossordamageinsuredunderthisSectionWewillpayfor:i) thecostofreasonablealternative

accommodationifthisisnecessaryforYou,theFamily,YourdomesticpetsandYourresidentdomesticemployees,

ii) rentwhichyoustillhavetopay.ThemostWewillpayunderthisExtensionshallnotexceed20%oftheSumInsuredonContents.

i) CostsincurredorrentpayablewithoutOurpriorconsent.

GOilandWater

Wewillpayforlossof:i) oilfromadomesticheating

installation,ii) meteredwater,resultingfromaneventconstitutingavalidClaimarisingfromInsuredPerils1to17inthisSection.ThemostWewillpayunderthisExtensionis£1,000eachClaim.

i) Lossofoilorwatercausedbygradualleakageorevaporation.

ii) LossordamagewhilsttheHomeisUnfurnishedorUnoccupied.

HRefrigeratedandFrozenFood

WewillpayforthecostofreplacingfoodinYourdomesticrefrigeratorsorfreezersintheHomespoiledordamagedasaresultof:i) accidentalbreakdownofthe

refrigerationorfreezerunit,ii) escapefromtheunitof

refrigerantand/orrefrigerantfumes,

iii) accidentalfailureoftheelectricityorgassupply.

ThemostWewillpayunderthisExtensionis£1,000eachClaim.

i) Lossordamage:a) causedbythedeliberate

actofthesupplyauthorityorcompanyorasaresultofanystrikeorwithdrawaloflabour,

b) causedbyadeliberateactofYouoramemberoftheFamilyorbyYourdomesticemployees,

c) lossordamageinvolvingarefrigerantorfreezerunitover15yearsold.

ii) TheamountoftheExcess.

IPramsandWheelchairs

WewillpayforlossofordamagetopramsandwheelchairsbelongingtoYouortoamemberoftheFamilyfollowingAccidentalDamageintheUnitedKingdomorduringOverseasTravel.ThemostWewillpayunderthisExtensionis£500eachClaim.

i) Mechanicalorelectricalfailure,wearandtear,depreciationorlossofuse.

ii) Theftofaccessoriesunlessstolenwiththepramorwheelchair.

iii) TheamountoftheExcess.

21

EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusions)

J

LiabilityasTenant

WewillpayallsumsforwhichYouarelegallyliableastenantandnotasowneroftheHomefor:i) damagetotheBuildingsby

InsuredPerils1to15ofSection1Buildings,

ii) AccidentalDamagetofixedglassincludingdoubleglazingformingpartoftheHomeandfixedsanitaryfittingsintheHome,

iii) AccidentalDamagetodraininspectioncoversandundergroundservicepipesorcablesforwhichYouarelegallyresponsibleprovidingservicestoorfromtheHome.

ThemostWewillpayunderthisExtensionis15%oftheSumInsuredonContentsinanyonePeriodofInsurance.

i) LossordamageoccurringwhiletheHomeisUnoccupied.

ii) LossordamagespecificallyexcludedunderInsuredPerils1to15inSection1Buildings.

iii) TheamountoftheExcess.

K

Occupier’sandPersonalLiabilities

WewillpayforallsumswhichYouoramemberoftheFamilyarelegallyliabletopayinrespectofaccidentsoccurringduringthePeriodofInsuranceresultingin:i) thedeathof,orbodilyinjuryto

anyperson,ii) lossofordamagetoproperty.

ThemostWewillpayunderthisExtensionforanyoneClaimis:a) £5,000,000otherthanfordeath

of,orinjuryto,Yourdomesticemployees,

b) £10,000,000inrespectofdeathof,orinjurytoYourdomesticemployeesfordeathorinjuryarisingdirectlyoutofandinthecourseoftheiremploymentwithYou.

Liability:

i) forthedeathof,orbodilyinjuryto,amemberoftheFamily,

ii) fordamagetopropertybelongingtoorunderthecontrolofYouoramemberoftheFamilyortoapersonemployedbyYouoramemberoftheFamily,

iii) arisingfromacontract,whetherwrittenornot,whichimposesaliabilitywhichYouoranymemberoftheFamilywouldnototherwisehavebeenunder,

iv) arisingoutofanybusinessorprofession,

v) arisingoutoftheownershipoftheBuildingsandtheirlandoranyotherlandorpremises,

22

EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusions)

K

Occupier’sandPersonalLiabilities(Continued)

WewillpayfordefencecostsandexpensesincurredwithOurwrittenconsentinadditiontotheamountof£5,000,000statedina)abovebutsuchcostsandexpensesshallbeincludedwithintheamountof£10,000,000statedinb)above.

IntheeventofYourdeathWewillindemnifyYourlegalpersonalrepresentativesunderthetermsofthisExtensioninrespectofliabilityincurredbyYouoramemberoftheFamily.

vi) arisingoutoftheoccupationoflandorpremisesotherthantheBuildingsandtheirlandattheaddressoftheHomeshownontheSchedule,

vii) arisingoutoftheuse,ownershiporpossessionofmobilityscooters,aircraft,hovercraft,watercraft,MotorVehiclesforwhichaCertificateofInsuranceisrequiredundertheRoadTrafficAct,caravansorlifts,animalsofadangerousspeciesandlivestockasdefinedintheAnimalsAct1971(otherthanhorsesusedforprivatehacking),

viii) arisingfromthetransmissionofanycommunicablediseaseorvirus.

L

JuryService

WewillpayYouoramemberoftheFamilyanamountnotexceeding£50perday,foraperiodnotexceeding20days,inrespectofirrecoverableearningsandexpensesarisingfromserviceasajuror.

-

M

TitleDeeds

WewillpayforthecostofpreparingnewtitledeedstotheBuildingsiftheyarelostordamagedbyanyoftheInsuredPerils1to16ofthisSectionwhenintheHomeorinabankorsafedeposit.ThemostWewillpayunderthisExtensionis£500eachClaim.

-

N

FatalInjury

IntheeventofthedeathofYouand/orYourspousewithin30daysofandasadirectresultofbodilyinjurycausedintheHomebyfireorthievesWewillpay£5,000tothelegalrepresentativesofYouorYourspouse.ThemostWewillpayunderthisExtensionis£10,000.

-

23

EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusions)

ODecemberandWeddingGiftsIncrease

TheSumInsuredonContentsisautomaticallyincreasedby10%:i) duringthemonthofDecember,ii) fortheperiodofonemonth

beforeandonemonthafterandduringthedayoftheweddingofYouoranymemberoftheFamilytoinsureweddinggiftsagainstlossordamagebyanyofInsuredPerils1to16ofthisSectionwhentheyarein:a) theHome,b) thebuildingwherethe

weddingreceptionisheld,c) thebrideandgroom’s

maritalresidence,d) transitbetweenanyofthe

locationsdescribedina),b)andc)above.

-

PHouseRemoval

WewillpayforlossofordamagetoYourContentscausedbyAccidentalDamagewhileinthecourseofremovalfromtheHometoanynewpermanenthomewithintheUnitedKingdomprovidedtheremovaliscarriedoutbyprofessionalremovalcontractors.ThemostWewillpayunderthisExtensionistheSumInsuredonContents.

i) LossofMoney.ii) Lossordamagetochina,glass,

earthenwareandotheritemsofabrittlenatureunlesspackedforremovalbyprofessionalpackers.

iii) Anyamountwhichistheliabilityofthecarrier.

iv) TheamountoftheExcess.

QContentsStoredinOutbuildings

WewillpayforlossofordamagetoYourContentswhicharestoredorkeptindetachedgarages,shedsoroutbuildingsattheHomecausedbyanyofInsuredPerils1to16ofthisSection.ThemostWewillpayunderthisExtensionis£1,000eachClaim.

i) LossofMoney.ii) LossofordamagetoContents

indetachedgarages,shedsoroutbuildingsbytheftnotinvolvingentryorexitbyforcibleandviolentmeans.

iii) LossordamagewhiletheHomeisUnfurnishedorUnoccupied.

iv) LossordamagetoContentsstoredorkeptingreenhousesoringarages,shedsoroutbuildingswhicharenotsituatedwithintheboundariesofthelandoftheHome.

v) TheamountoftheExcess.

24

SECTION3–PERSONALPOSSESSIONSThissectionisonlyavailableiftheHomeisusedasaPermanentResidenceandifYouhavechosenitasanoptionandoperatesonlyifYouhavepaidoragreedtopaythepremiumforthoseitemsforwhichSumsInsuredareshownontheSchedule.Pleasenote,areceiptorcopyvaluationnotmorethantwoyearsoldmayberequiredintheeventofaClaim.TheSumsInsuredstatedintheSchedulearenotIndex-Linked.BasisofClaimSettlement1. TheSumsInsuredshownontheSchedulemustbeadequateatthetimeofthelosstopayfor:

I. UnspecifiedItems–themaximumvalueofUnspecifiedItems,Valuablesandclothingthatmaybeatriskatanyonetime.

II. SpecifiedItems–thecurrentreplacementcostofeachspecifiedValuableorotherspecifieditem.

III. PedalCycles–thecurrentreplacementcostofeachpedalcycleanditsaccessorieslessanallowancefordepreciation,wearandtear.

2. ForExtensions1,2,3and5iftheSumsInsuredrepresentthemaximumvaluesorcurrentreplacementcostsasdescribedin1(I,II,IIIandIV)abovethemostWewillpaywillbe:I. UnspecifiedItems–thecostofrepairingorreplacingtheinsuredpropertyinthesame

formandstyle.HoweverforitemsofclothingandhouseholdlinenWewillmakeadeductionfordepreciation,wearandtear.

II. SpecifiedItems–theSumInsuredforeachitemshownintheSchedule.III. PedalCycles–theSumInsuredforeachitemshownintheSchedule.

3. ForExtensions1,2,3and5iftheSumsInsureddonotrepresentthemaximumvaluesorcurrentreplacementcostsasdescribedin1.(I,II,IIIandIV)aboveanyClaimPaymentwillbereducedbytheproportionwhichtheSumsInsuredbearstotheactualamountatriskorcurrentreplacementcosts(less,ifapplicable,anallowancefordepreciation,wearandtear).

4. ForExtension4themostWewillpaywillbethecostofthevalueoftheMoneylostorlossduetotheunauthoriseduseofaCreditCard.

5. Wewillnotpaythecostofreplacinganyundamageditemorpartofanitemsolelybecauseitformspartofaset,suiteoroneofanumberofitemsofasimilarnature,colourordesignwhenlossordamageoccurswithinaclearlydefinedareaortoaspecificpartandreplacementscannotbematched.

6. WehavetheoptionfollowingaClaimtomakepaymentincashoreffectnecessaryrepair,replacementorreinstatement.

7. Excess–Youmustpaythefirst£25ofeachandeveryClaimarisingunderthissection.

25

EXCLUSIONSAPPLYINGTOSECTION3–PERSONALPOSSESSIONSWewillnotpayfor:i) mechanicalorelectricalfailureorbreakdown,ii) lossordamagearisingfromconfiscation,detentionorseizure,depreciationanddeterioration

fromnormaluseorwearandtear,moth,insects,vermin,domesticpets,damp,rust,wetordryrotormildew,obsolescence,infestation,theactionoflightoratmosphericconditionoranygraduallyoperatingcause,

iii) lossordamageduetoanyprocessofcleaning,dyeing,repair,renovationorrestoration,iv) itemsusedorheldforbusinessorprofessionalpurposes,v) anylosswhichhappensasanindirectresultofaneventforwhichyouareinsured,vi) theftfromunattendedMotorVehiclesunlessfromaclosedglovecompartment,locked

luggagebootorlockedluggagecompartmentfollowingforcibleandviolententrytoavehiclewhichhasbeenlockedandallwindowsandsunroofsclosed,

vii) lossofordamagetoMusicalInstrumentscausedbychangesinatmosphericconditionsorarisingthroughbreakageofstrings,reeds,drumheadsorthelikeorelectricalormechanicalfailure,breakdownorderangement,

viii) lossordamagearisingoutsidetheUnitedKingdomexceptinthecircumstancesofOverseasTravel,

ix) theamountoftheExcess.

26

EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusionsandExclusionsApplyingtoSection3)

1. SportsEquipment

WewillpayforthecostofreplacingYoursportsequipmentandclothingifitisaccidentallylost,destroyed,damagedorstolen.ThemostWewillpayunderthisExtensionforanyoneClaimshallnotexceed:i) theSumInsuredshownonthe

Schedule,ii) themostWewillpayunderthis

ExtensionforanyoneClaimis£3,500.

i) MotorVehicles,mobilityscooters,watercraft,caravans,trailers,hovercraft,aircraft,gliders,pedalcycles,parachutes,campingequipmentorlivingcreatures.

ii) Lossofordamagetosportsequipmentwhileinuse.

iii) TheamountoftheExcess.

2. UnspecifiedItems

WewillpayforthecostofreplacingorrepairingYourUnspecifiedItemsiftheyareaccidentallylost,destroyed,damagedorstolen.ThemostWewillpayunderthisExtensionforanyoneClaimis:

i) £1,000foranyonearticle,ii) theSumInsuredshowninthe

ScheduleforthisExtension.

i) Lossofordamagetomobilephones,laptopcomputers,videocamerasandcamcorders,contactorcorneallenses,hearingaids,MusicalInstruments,sportsequipmentorvehicles,mobilityscooters,pedalcycles,MoneyandCreditCards,deeds,securitiesanddocuments,gunsorfirearms,livingcreatures,livestockandpets.

ii) PropertymorespecificallyinsuredeitherelsewhereinthisPolicyoronanyotherpolicyofinsurance.

iii) TheamountoftheExcess.

3. SpecifiedItems

WewillpayforthecostofreplacingorrepairingtheitemsspecifiedintheScheduleiftheyareaccidentallylost,destroyed,damagedorstolen.ThemostWewillpayunderthisExtensionforanyoneClaimforanyitemistheSumInsuredshownontheScheduleforthatitem.

i) TheamountoftheExcess.

27

EXTENSION COVER EXCLUSIONS(seealsoGeneralExclusionsandExclusionsApplyingtoSection3)

4. PersonalMoneyandCreditCards

WewillpayforlossofMoney.ThemostWewillpayunderthisExtensionforanyoneClaimforlossofMoneyis£500.WewillpayforlossduetounauthoriseduseofCreditCards.ThemostWewillpayforanyoneClaimforlossduetounauthoriseduseofCreditCardsis£500.

1. LossofMoney:a) heldforbusinesspurposes,b) whichdoesnotbelongto

YouortheFamilyorforwhichYouortheFamilyarenotlegallyresponsible,

c) notreportedtothePolicewithin24hoursafterthediscoveryoftheloss,

d) arisingfromdepreciationorconfiscationorshortagesduetoerrorsoromissions.

2. LossduetounauthoriseduseofCreditCards:a) resultingfromalostCredit

CardwhichhasnotbeenreportedtothePoliceandissuingauthoritywithin24hoursafterthediscoveryoftheloss,

b) followingabreachofthetermsandconditionsoftheissuingauthority,

c) followingfraudulentusebyanypersonrelatedtoYou,

d) heldbyYouortheFamilyforbusinesspurposes,

e) TheamountoftheExcess.5. Pedal

CyclesWewillpayforthecostofreplacingorrepairingyourpedalcyclesiftheyareaccidentallylost,destroyed,damagedorstolen.ThemostWewillpayunderthisExtensionforanyoneClaimshallnotexceed£2,500foreachpedalcycle.

i) TheftofanypedalcycleleftbothunlockedandunattendedawayfromtheHome.

ii) Pedalcyclesownedorusedwhollyorpartlyforbusinesspurposes.

iii) Theftofaccessoriesunlessthepedalcycleisstolenatthesametime.

iv) Lossofordamagetoapedalcyclewhileitisbeingusedforracing,pace-makingortrials.

v) Damagetotyresunlessthepedalcycleisdamagedatthesametime.

vi) Lossofordamagetomotorisedorpower-assistedcycles.

vii) TheamountoftheExcess.

28

PERMANENTRESIDENCEEXCLUSIONSANDCONDITIONSINTHEEVENTOFUNOCCUPANCYORTHEHOMEBEINGUNFURNISHED

WhentheHomeisaPermanentResidenceandwillbetemporarilyUnoccupiedforlongerthan60consecutivedaysorisUnfurnishedthefollowingwillapply:

SECTION1BUILDINGSandSECTION2CONTENTSWhiletheHomeisUnoccupiedorUnfurnishedthefollowingconditionsapply:1. You,orapersonauthorisedbyYou,mustinspecttheHomeinternallyatleastonceaweek.2. Alllocksandboltsforsecuringexternaldoors,windowsandfanlightswhichareaccessible

withouttheuseofaladderorfromdrainpipesmustbeputintofullandeffectiveoperationandthekeyswithdrawnfromthelocksandboltswhenevertheHomeisleftunattended.

3. ThereisnocoverunderPeril10(Escapeofwateroroil)ofboththeBuildingsandContentssectionsduringtheperiod1stNovemberto31stMarchunlesseitherthewatersupplyisturnedoffatthemainandallwatersystemsdrainedorthecentralheatingsystemisleftinfulloperation24hoursadaytomaintainaminimumtemperatureof10oC/50oFthroughouttheHome.

4. ThereisnoinsuranceforValuablesunderPeril7(Theftorattemptedtheft)oftheContentssection.

5. TheexclusionofPerils7(Theft),9(Vandalsandmaliciousdamage)and10(Escapeofwateroroil)underboththeBuildingsandContentssectionsandExtensionA(Glass,sanitaryfixturesandfixedhobs)underBuildingsandExtensionC(Mirrorsandglass)underContentswhentheHomeisUnoccupiedorUnfurnishedshallnotapply.

PleasenotethatifaPermanentResidenceisgoingtobeUnoccupiedforaperiodofnolongerthan90days,pleaseinformCoast,whomaybeabletoextendtheUnoccupancyPeriod.Alloftheconditionsabovewouldstillapplyandanextrachargemaybelevied.

FailuretocomplywiththeconditionscouldhavetheeffectoflimitingYourcoverunderthispolicyifsuchfailurehasincreasedtheriskortheextentofalossoccurringunderthispolicy.

29

WhentheHomeisaPermanentResidenceandwillbeUnoccupiedforlongerthan60consecutivedaysthecoverwillberestrictedto:

SECTION1BUILDINGSStandardCover 1. Fire.

2. Explosion.3. Smoke4. Lightningandthunderbolt.5. Earthquake.6. Subterraneanfire.8. Riot,civilcommotion,strikes,labourandpoliticaldisturbances.11. Stormorflood.12. Fallingtreesorbranches.13. ImpactwiththeBuildingsbyanyvehicle,animalorbyarticlesdropped

orfallingfromthem.14. ImpactwiththeBuildingsbyanyaircraftorbyarticlesdroppedorfalling

fromthem.15. Breakageorcollapseofsatellitetelevisionreceivingequipment,

televisionorradioaerials,aerialfittingsormasts.16. SubsidenceorheaveofthesiteonwhichtheBuildingsstandorlandslip.

ExtendedCover E ContractingBuyer.F PropertyOwner’sliability.

SECTION2CONTENTSStandardCover 1. Fire.

2. Explosion.3. Smoke4. Lightningandthunderbolt.5. Earthquake.6. Subterraneanfire.8. Riot,civilcommotion,strikes,labourandpoliticaldisturbances.11. Stormorflood.12. Fallingtreesorbranches.13. ImpactwiththeBuildingsbyanyvehicle,animalorbyarticlesdropped

orfallingfromthem.14. ImpactwiththeBuildingsbyanyaircraftorbyarticlesdroppedorfalling

fromthem.15. Breakageorcollapseofsatellitetelevisionreceivingequipment,

televisionorradioaerials,aerialfittingsormasts.

ExtendedCover K Occupier’sandPersonalliabilities.

30

HOLIDAYHOMEEXCLUSIONSANDCONDITIONSIfyouareusingtheHomeasaHolidayHome,thefollowingexclusionsandconditionsapply:HolidayLettingExclusions: SECTION1BUILDINGSStandardCover 8. Vandalismandactsofmaliciouspersons.ExtendedCover 11. Accidentaldamage.SECTION2CONTENTSStandardCover 6. Theftorattemptedtheft,unlessentryorexitisobtainedbyforcible

andviolentmeans.9. Vandalismandactsofmaliciouspersons.

ExtendedCover 17. Accidentaldamage.Extensions:

Section2–Contents D Lossofordamagetohomeentertainmentandcomputerequipment.HolidayHomeUnfurnished/UnoccupancyConditions:SECTION1BUILDINGSandSECTION2CONTENTS1. You,orapersonauthorisedbyYou,mustinspecttheHomeinternallyatleastonceaweek.2. Alllocksandboltsforsecuringexternaldoors,windowsandfanlightswhichareaccessible

fromadjoiningroofs,porches,walls,downpipes,balconiesorexternalstairsmustbeputintofullandeffectiveoperationandallkeysmustberemovedfromthelocksorboltsandhiddenfromview.

3. ThereisnocoverunderPeril10(Escapeofwateroroil)ofboththeBuildingsandContentssectionsduringtheperiod1stNovemberto31stMarchunlessthewatersupplyisturnedoffatthemainandallwatersystemsdrainedorthecentralheatingsystemisleftinfulloperation24hoursadaytomaintainaminimumtemperatureof10oC/50oFthroughouttheHome.

4. ThereisnoinsuranceforValuablesunderPeril7(Theftorattemptedtheft)oftheContentssection.

5. TheOccupier’sandPersonalLiabilitiescoverundertheContentssectionExtensionKisrestrictedtoaccidentsoccurringwithintheboundariesoftheHome.

TheexclusionofPerils7(Theft),9(Vandalsandmaliciousdamage)and10(Escapeofwateroroil)underboththeBuildingsandContentssectionsandExtensionA(Glass,sanitaryfixturesandfixedhobs)underBuildingsandExtensionC(Mirrorsandglass)underContentswhentheHomeisUnoccupiedorUnfurnishedshallnotapply.

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GENERALEXCLUSIONSAPPLICABLETOYOURPARKHOME,CONTENTSANDPERSONALPOSSESSIONSSECTIONSThispolicydoesnotcover:

1. WarAnyconsequencewhatsoeverwhichisthedirectorindirectresultofanyofthefollowing,oranythingconnectedwithanyofthefollowing,whetherornotsuchconsequencehasbeencontributedtobyanyothercauseorevent:war,invasion,actofforeignenemy,hostilitiesorawarlikeoperationoroperations(whetherwarbedeclaredornot),civilwar,mutiny,rebellion,revolution,militaryrising,insurrection,civilcommotionassumingtheproportionsoforamountingtoanuprising,militaryorusurpedpower.

2. TerrorismAnyconsequencewhatsoeverwhichisdirectlyorindirectlycausedbynuclearand/orchemicaland/orbiologicaland/orradiologicalmeans,oranythingconnectedwiththosemeans,andwhichisthedirectorindirectresultofTerrorism,oranythingconnectedwithTerrorism,whetherornotsuchconsequencehasbeencontributedtobyanyothercauseorevent.Terrorismisdefinedasanyactoractsincluding,butnotlimitedto:a. theuseorthreatofforceand/or

violenceand/orb. harmordamagetolifeorto

property(orthethreatofsuchharmordamage)including,butnotlimitedto,harmordamagebynuclearand/or

c. chemicaland/orbiologicaland/ord. radiologicalmeans

causedoroccasionedbyanyperson(s)orgroup(s)ofpersonsinwholeorinpartforpolitical,religious,ideologicalorsimilarpurposesincluding,butnotlimitedto,theintentiontoinfluenceanygovernmentand/ortoputthepublicoranysectionofthepublicinfear,orisclaimedtobecausedoroccasionedinwholeorinpartforsuchpurposes.

3. OtherActionsAnyconsequencewhatsoeverwhichisthedirectorindirectresultofanyofthefollowing,oranythingconnectedwithanyofthefollowing,whetherornotsuchconsequencehasbeencontributedtobyanyothercauseorevent:anyactiontakenincontrolling,preventing,suppressingorinanywayrelatingto1)Waror2)Terrorismabove.

4. RadioactivityLoss,damageorliabilitywhichinvolves:a. ionisingradiationorradioactive

contaminationfromnuclearfuelornuclearwaste;

b. theradioactive,toxic,explosiveorotherdangerouspropertiesofexplosivenuclearequipment.

5. SonicBangsLossofordamagetopropertycausedbypressurewavesfromaircrafttravellingatorabovethespeedofsound.

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6. PollutionorContaminationLoss,damageorliabilityarisingfrompollutionorcontaminationunlesscausedby:a. asuddenandunexpectedaccident

whichcanbeidentified;b. oilleakingfromadomesticoil

installationattheHome

7. DeliberateCriminalActsAnylossordamagea. deliberatelycausedby;orb. arisingfromacriminalact

committedbyyou,orbyanyotherpersonlivingwithyou.

8. EventsbeforethecoverstartdateLoss,damage,injuryorliabilitywhichoccurredbeforethecoverunderthispolicystarted

.

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GENERALCONDITIONSAPPLICABLETOYOURPARKHOME,CONTENTS&PERSONALPOSSESSIONSSECTIONS1. YoumustdoallYoucantoprevent

andreduceanycosts,damage,injuryorloss.

2. YoumusttellCoastaboutanyloss,damageorliabilityassoonaspossibleandprovidealltherelevantinformationandhelpthatisneededtodealwithYourClaim.YoumustavoiddiscussingliabilitywithanyoneelsewithoutOurpermission.

3. ItisYourresponsibilitytoproveanylossandthereforeYoumaybeaskedtoprovidereceipts,valuations,photographs,instructionbookletsandguaranteecardsandanyotherrelevantinformation,documentsandassistancerequiredtohelpwithYourClaim.

4. CoastwilldecidehowtosettleordefendaClaimandmaycarryoutproceedingsinthenameofanypersoncoveredbyYourpolicy,includingproceedingsforrecoveringanyClaim.

5. Youmustreportanyloss,theft,attemptedtheftormaliciousdamagetothePoliceandobtainacrimereferencenumberwithin7daysofdiscoveryoftheincident.FailuretocomplywiththismayaffectOurabilitytoprocessYourClaim.

6. IfYourClaimisinanywaydishonestorexaggeratedWewillnotpayanybenefitunderthispolicyorreturnanypremiumtoYouandWemaycancelYourpolicyimmediatelyandbackdatethecancellationtothedateofthefraudulentClaim.WemayalsotakelegalactionagainstYou.

7. IfanyClaimiscoveredbyanyotherinsurance,WewillnotpayformorethanOurshareofthatClaim.

8. Youmusttakereasonablecareto

providecompleteandaccurateanswerstothequestionsCoastasks.

9. IfanyoftheinformationprovidedbyYouchangesafterYoupurchaseYourpolicyandduringthePeriodofInsurance,oronYourScheduleatrenewal,orbecomesuntrueorincorrect,pleaseprovideCoastwithupdateddetails.

10. IfanyoftheinformationprovidedbyYouisnotcompleteandaccurate:a) We/CoastmaycancelYour

policyandrefusetopayanyClaim,or

b) We/CoastmaynotpayanyClaiminfull,or

c) We/Coastmayrevisethepremiumand/orchangeanyExcess,or

d) theextentofthecovermaybeaffected.

Thechanges,ifacceptedbyUswillapplyfromthedateindicatedonYourupdatedSchedule.Inthiscase,WewillbeentitledtovarythepremiumandtermsfortherestofthePeriodofInsurance.

11. CoastrecommendthatYoukeeparecord(includingcopiesofletters)ofallinformationprovidedtoUs/CoastforYourfuturereference.

12. IfYouarepayingthepremiumusingamonthlycreditfacility,Youmustmaketheregularmonthlypaymentsasrequiredinthecreditagreement.Ifthecreditagreementisterminatedfornon-payment,WemaycancelthisinsuranceassetoutinGeneralCondition17.

34

13. CoastwillcontactYouinwritingatleast21daysbeforeYourrenewaldateandwilleither:

a) giveYouanopportunitytorenewYourinsuranceforafurtheryearand:

i. tellYouaboutanychangesWearemakingtothetermsandconditionsofYourpolicy;

ii. reviewYourcircumstancesandconsiderwhetherthisinsurancecontinuestomeetYourneeds;

iii. checkthattheinformationYouhaveprovidedUsisstillcorrect,andprovidetheopportunityforYoutotellUsifanythinghaschanged

iv. tellYouthepriceforthenextyear

IfYouwishtomakeanychangesatrenewal,pleasecontactCoast.

ORb) letYouknowthatWeareunable

torenewYourinsurance.Reasonswhythismayhappeninclude,butarenotlimitedto,thefollowing:

i. whentheproductisnolongeravailable;or

ii. whenWearenolongerpreparedtoofferYouinsuranceforreasonssuchas:

• Wereasonablysuspectfraud,• YourClaimshistory,• WehavechangedOur

acceptancecriteria,• Youarenolongereligiblefor

cover,and/or

• whereYouhavenottakenreasonablecaretoprovidecompleteandaccurateanswerstothequestionsasked.Seethe“ImportantNotice–InformationYouHaveGivenUs”sectionwithinthisdocument.GeneralCondition10.

WhereWehaveofferedYourenewaltermsandYouselectorhaveselectedtopaybydirectdebit,YouwillbenotifiedbeforeYourrenewaldatethatthepolicywillautomaticallyberenewedandtherenewalpremiumwillagainbecollectedfromYourspecifiedbankaccount.CoastwillnotautomaticallyrenewYourpolicyif:• Youhavecontactedthemto

cancelYourdirectdebitarrangementssinceYoupurchasedthepolicyorYourlastrenewal;or

• theycannolongerofferYoutheirdirectdebitfacilityif,forexample,Youhaveapoorpaymenthistoryoradversecredithistory.

IfeitheroftheabovehappensCoastwilladviseYouofthisinYourrenewalletterandYouwillneedtocontactCoasttomakepaymentbeforethepolicycanberenewed.

14. Acoolingoffperiod(14daysfromtherenewalofthecontractorthedateonwhichYoureceiveYourrenewaldocumentation,whicheveristhelater)applies.Pleaseread“Yourcancellationrights”inthispolicybooklet.

35

15. Wemayvarythetermsofthepolicy(includingthepremium)atrenewal.IfYoudecidethatYoudonotwantUstorenewthepolicy,aslongasYoutellCoastbeforethenextrenewaldate,Wewillnotrenewit.OurrighttorenewthispolicydoesnotaffectYourcancellationrightsshownonthefirstpageofthispolicybooklet.

16. FollowingtheexpiryofYour14daystatutorycooling-offperiod,YoucontinuetohavetherighttocancelYourpolicyatanytimeduringitsterm.IfYoudoso,YouwillbeentitledtoarefundifnoclaimhasbeenmadeduringthePeriodofInsuranceofthepremiumpaidinrespectofthecancelledcover,lessaproportionatedeductionforthetimeWehaveprovidedcover.Amid-termcancellationfeewillapply.ToexerciseYourrighttocancel,pleasecontact:Coast,HelixHouse,HighStreet,Wadhurst,EastSussex,TN56AA.Telephone:0800614849oremail:info@coastinsurance.co.uk.

17. We(oranyagentWeappointandwhoactswithOurspecificauthority)maycancelthispolicywherethereisavalidreasonfordoingso,bysendingatleast7days’writtennoticetoYourlastknownpostand/oremailaddresssettingoutthereasonforcancellation.Validreasonsincludebutarenotlimitedtothefollowing:• Non-paymentofpremium

(includingnon-paymentofinstalmentsunderacreditfacility).Ifpremiumsorinstalmentpayment(s)arenotpaidwhendue,CoastwillwritetoYourequestingpaymentbyaspecificdate.Iftheyreceivepaymentbythedatesetoutintheletternofurtheractionwillbetaken.Iftheydonotreceive

paymentbythisdatethepolicywillbecancelledfromthecancellationdateshownontheletter.

• WhereWereasonablysuspectfraud.

• WhereYoufailtoco-operatewithUsorCoastorprovideinformationordocumentationreasonablyrequired,andthisaffectsOurabilitytoprocessaClaimordefendOurinterests.SeeGeneralCondition8inthispolicybooklet.

• WhereYouhavenottakenreasonablecaretoprovidecompleteandaccurateanswerstothequestionsasked.SeeGeneralCondition10.

IfWecancelthepolicyunderthissection,Youwillbeentitledtoarefundofthepremiumpaidinrespectofthecancelledcover,lessaproportionatedeductionforthetimeWehaveprovidedsuchcoverandamid-termcancellationfee.Norefundwillbepayableifthereasonforcancellationisfraudand/orWearelegallyentitledtokeepthepremiumundertheConsumerInsurance(DisclosureandRepresentations)Act2012.Whereinvestigationsprovideevidenceoffraudoraseriousnon-disclosureWemaycancelthepolicyimmediatelyandbackdatethecancellationtothedateofthefraudorwhenYouprovidedUswithincompleteorinaccurateinformation,whichmayresultinYourpolicybeingcancelledfromthedateYouoriginallytookitout.

36

HOWTOMAKEACLAIM(BUILDINGS,CONTENTS&PERSONALPOSSESSIONSSECTION)ToreportaClaim,pleasetelephoneCoaston01892786099.Linesareopen24hoursaday,7daysaweek.TheywilltakefulldetailsofYourClaimoverthetelephone.PleasehaveYourindividualreferencenumberavailable.OnceYourClaimhasbeensetup,pleaseforwardanyestimates,invoices,valuations,orothersupportingdocumentationtoCoastassoonaspossible.Theiraddressis:HelixHouseHighStreetWadhurstEastSussexTN56AAPleasequoteYourindividualreferencenumberonallcorrespondence.

37

FAMILYLEGALSOLUTIONSThissectionisadministeredbyARAGplcunderabindingauthorityagreementwithBritSyndicate2987atLloyd’s(BSL)(writtenunderuniquemarketreferenceB0356KA233D12A000orreplacementthereof).BSL’sliabilityisseveralanditisliableforitsproportionofliabilityinrespectofthissectiononlyandhasnoliabilityforanyotherinsurers’proportion.ARAGplcisauthorisedandregulatedbytheFinancialConductAuthority(firmreferencenumber452369)andisauthorisedtoadministerthissectiononbehalfofBSL.BSLismanagedbyBritSyndicatesLimitedwhichisauthorisedbythePrudentialRegulationAuthorityandregulatedbytheFinancialConductAuthority,registrationnumber204930.ThiscanbecheckedbyvisitingtheFCAwebsiteatwww.fca.org.uk.PleasereadthisPolicycarefullytofamiliariseyourselfwiththetermsandconditions,aswellasthe:• Legalandtaxadvicehelplinedetails

and• Theclaimreportingproceduresforthis

section

IfYouareunsureaboutanythinginthisdocumentpleasecontacttheadministrators:CoastHelixHouseHighStreetWadhurstEastSussexTN56AAYoucantelephoneon0800614849

DefinitionsCertainwordshavespecificmeaningswhentheyappearinthispolicy.Thesemeaningsareshownbeloworinthesectionwheretheyapply.Theyareprintedinboldtype.AppointedAdvisorThesolicitor,accountant,orotheradvisorappointedbyUstoactonbehalfoftheInsured.ConditionalFeeAgreementAlegallyenforceableagreementbetweentheInsuredandtheAppointedAdvisorforpayingtheirprofessionalfeesonthebasisof“no-winno-fee”.

CollectiveConditionalFeeAgreementAlegallyenforceableagreemententeredintoonacommonbasisbetweentheAppointedAdvisorandUstopaytheirprofessionalfeesonthebasisof“no-winno-fee”.

38

CommunicationCostsThereasonablecostofUKphonecalls,postage(includingspecialdelivery)photocopyingorfaxesandcreditreportswheretheInsuredhastakenadvicefromOurIdentityTheftAdviceandResolutionServiceandisadvisedtocorrespondwithcreditagencies,banks,creditcardcompanies,financialserviceprovidersorotherpartiesinordertorepairtheircreditrating,restoretheiridentityorresolveadisputethathasarisenfromtheuseofpersonalinformationwithoutpermissiontocommitfraudorothercrimes.Home–YourParkHome,asdeclaredinYourproposalforinsurance.Insured–You,YourpartnerandimmediatefamilypermanentlylivingwithYouintheUK.(TheInsurerwillcoverYourchildrentemporarilyawayfromhomeforthepurposesofhighereducation.)Insurer–BritSyndicate2987atLloyd’s(writtenunderuniquemarketreferenceB0356KA233D12A000orreplacementthereof).LegalCostsandExpensesReasonablelegalcostsanddisbursementsreasonablyandproportionatelyincurredbytheAppointedAdvisoronthestandardbasisandagreedinadvancebyUs.Theterm“standardbasis”canbefoundwithintheCourts’CivilProcedureRulesPart44.Reasonableexperts’reports,reasonablyandproperlyincurredbytheAppointedAdvisor.Incivilclaims,otherside’scosts,feesanddisbursementswheretheInsuredhasbeenorderedtopaythemorpaysthemwithOuragreement.

ReasonableaccountancyfeesreasonablyincurredunderINSUREDEVENT6TAXbytheAppointedAdvisorandagreedbyUsinadvance.TheInsured’sCommunicationCosts.LimitofIndemnity–£50,000whichisthemaximumLegalCostsandExpensespayablebytheInsurerinrespectofallclaimsrelatedbytimeororiginalcause.PeriodofInsurance–TheperiodasshownintheScheduletowhichthisPolicyattaches.ReasonableProspectsofSuccessOtherthanassetoutin2.and3.below,agreaterthan50%chanceoftheInsuredsuccessfullypursuingordefendingtheclaimand,iftheInsuredisseekingdamagesorcompensation,agreaterthan50%chanceofenforcinganyjudgmentthatmightbeobtained.IncriminalprosecutionclaimswheretheInsuredpleadsguilty,agreaterthan50%chanceofsuccessfullyreducinganysentenceorfineorpleadsnotguilty,agreaterthan50%chanceofthatpleabeingacceptedbythecourt.Inallclaimsinvolvinganappeal,agreaterthan50%chanceoftheInsuredbeingsuccessful.ResidentialPropertyTribunalAResidentialPropertyTribunalasdefinedbySection2oftheMobileHomesAct1983(JurisdictionofResidentialPropertyTribunals)(England)Order2011.

39

SmallClaimsCourt–AcourtinEnglandandWalesthathearsaclaimfallingunderthesmallclaimstrackintheCountyCourtasdefinedbySection26.6(1)oftheCivilProcedureRules1999;acourtinScotlandthatusesthesmallclaimsprocedureassetoutbytheActofSederunt(SmallClaims)Rules2002,acourtinNorthernIrelandwherethesumindisputeislessthan£3,000ortheequivalentjurisdictionintheChannelIslandsandIsleofManwherethepolicyapplies.TerritorialLimits–ForINSUREDEVENTS2CONTRACTand4PERSONALINJURYtheUnitedKingdom,ChannelIslands,IsleofMan,countriesintheEuropeanUnion,NorwayandSwitzerland.ForallotherINSUREDEVENTS,theUnitedKingdom,ChannelIslandsandIsleofMan.We/Us/Our–ARAGplcwhoisauthorisedunderabindingauthorityagreementonbehalfoftheInsurer,BritSyndicate2987atLloyd’s.You/Your–Theperson(s)namedintheScheduletowhichthispolicyattaches.

YOURPOLICYCOVERFollowinganEventtheInsurerwillpaytheInsured’sLegalCostsandExpensesandCommunicationCostsupto£50,000,forallclaimsrelatedbytimeorcause,includingthecostofappealsprovidedthat:1. Youhavepaidtheinsurancepremium2. theInsuredkeepstothetermsofthis

policyandco-operatesfullywithUs3. theEventoccurswithintheTerritorial

Limit4. theclaim:

• alwayshasReasonableProspectsofSuccess

• isreportedtoUs• isduringthePeriodofInsurance• isreportedtoUsassoonasthe

Insuredfirstbecomesawareofcircumstanceswhichcouldgiverisetoaclaim

5. unlessthereisaconflictofinteresttheInsuredalwaysagreestousetheAppointedAdvisorchosenbyUsinanyclaima. tobeheardbytheSmallClaims

Courtand/orb. beforeproceedingshavebeenor

needtobeissued6. anydisputewillbedealtwithbya

courttribunal,AdvisoryConciliationandArbitrationServiceorarelevantregulatoryorlicensingbody;ormediationagreedwithUs

AclaimisconsideredtobereportedtoUswhenWehavereceivedtheInsured’sfullycompletedclaimform.

40

EVENTSCOVERED1. EMPLOYMENTAdisputewiththeInsured’scurrent,formerorprospectiveemployerrelatingtotheircontractofemploymentorrelatedlegalrights.Aclaimcanbebroughtonceallinternaldismissal,disciplinaryandgrievanceproceduresassetoutinthe:a. ACASCodeofPracticeforDisciplinary

andGrievanceProcedures,orb. LabourRelationsAgencyCodeof

PracticeonDisciplinaryandGrievanceProceduresinNorthernIrelandhavebeenoroughttohavebeenconcluded

TheInsuredisrequiredtoco-operatefullywithACASregardingmediationandnotdoanythingthathindersasuccessfuloutcome.WheretheInsuredqualifiestohaveallorpartoftheemploymenttribunaloremploymentappealtribunalfeesrefundedorreduced,anapplicationforthisrefundorreductionmustbemadebytheInsuredtoHMCourts&TribunalsService.WhatisnotinsuredunderEvent1:Anyclaimrelatingto:1. disputesarisingsolelyfrompersonal

injury2. defendingtheInsuredotherthan

defendinganappeal3. LegalCostsandExpensesforan

employer’sinternaldisciplinaryprocessoranemployee’sgrievancehearingorappeal

4. feesthatarerecoverablefromanemployerorex-employerbyorderofthecourtorwheretheInsuredqualifiestohaveallorpartofthefeesrefundedorreducedbyHMCourts&TribunalsService

5. acompromiseorsettlementagreementbetweentheInsuredandtheiremployer.WewillbeabletohelptheInsuredfindasuitablesolicitorwhowillassisttheInsuredwiththisattheirownexpense

2. CONTRACTAdisputearisingoutofanagreementorallegedagreementwhichhasbeenenteredintobytheInsuredfor:a. buyingorhiringconsumergoodsor

servicesb. privatelysellinggoodsc. buyingorsellingYourmainHomed. rentingYourmainHomeasatenante. theoccupationofYourmainHome

underaleaseWhatisnotinsuredunderEvent2:Anyclaimrelatingto:1. disputeswithtenantsorwherethe

Insuredisthelandlordorlessor2. loans,mortgages,pensions,orany

otherbanking,lifeorlong-terminsuranceproducts,savingsorinvestments

3. theInsured’sbusinessactivities,trade,ventureforgain,professionoremployment

4. acontractinvolvingamotorvehicle5. asettlementdueunderaninsurance

policy6. constructionwork,ordesigning,

convertingorextendinganybuildingwherethecontractvalueexceeds£6,000includingVAT

41

3. PROPERTY3.1 Adisputerelatingtovisibleproperty

whichtheInsuredownsfollowing:a. aneventwhichcausesphysical

damagetotheInsured’svisiblepropertyincludingYourmainHome

b. apublicorprivatenuisanceortrespassprovidedthatwhereanyboundaryisindispute,Youhaveproofofwheretheboundarylies

3.2 AdisputewithYourlandlordorsiteownerarisingoutofYouroccupationofYourHome

WhatisnotinsuredunderEvent3:1. Thefirst£250ofanyclaimunder

INSUREDEVENT3b).ThisispayablebytheInsuredassoonasWeaccepttheclaim

2. Anyclaimrelatingto:a. acontractenteredintobyan

Insured(exceptunder3.2above)b. anybuildingorlandotherthan

YourmainHomec. amotorvehicled. thecompulsorypurchaseof,or

demolition,restrictions,controlsorpermissionsplacedonYourpropertybyanygovernment,localorpublicauthority

e. defendinganydisputeunderINSUREDEVENT3a)otherthandefendingacounterclaimoranappeal

f. adisputewithanypartotherthantheperson(s)whocausedthedamage,nuisanceortrespass

4. PERSONALINJURYAsuddeneventdirectlycausingtheInsuredphysicalbodilyinjuryordeath.WhatisnotinsuredunderEvent4:Anyclaimrelatingto:1. acondition,illnessordiseasewhich

developsgraduallyovertime2. mentalinjury,nervousshock,

depressionorpsychologicalsymptomswheretheInsuredhasnotsustainedphysicalinjurytotheirbody

3. defendinganydisputeotherthananappeal

5. CLINICALNEGLIGENCEAdisputearisingfromallegedclinicalnegligenceormalpractice.WhatisnotinsuredunderEvent5:1. Anyclaimrelatingtocontractdispute.

Defendinganydisputeotherthananappeal.

6. TAXAformalaspectorfullenquiryintotheInsured’spersonaltaxaffairsprovidedthatallreturnsarecompleteandhavebeensubmittedwithinthelegaltimescalespermitted.

42

WhatisnotinsuredunderEvent6:Anyclaimrelatingto:1. taxreturnswhereHMRevenue&

Customslevyapenaltyorclaiminterestorwhichcontainnegligentmisstatements

2. abusinessorventureforgainoftheInsured

3. wheretheDisclosureofTaxAvoidanceSchemeRegulationsapplyorshouldapplytotheInsured’sfinancialarrangements

4. anyenquirythatconcernsassets,moniesorwealthoutsideofGreatBritainandNorthernIreland

5. aninvestigationbytheSpecialistInvestigations(SI)BranchofHMRevenue&Customs

7. LEGALDEFENCEa. Work

AnallegedactoromissionoftheInsuredthatarisesfromtheirworkasanemployeeandresultsin:i) theInsuredbeinginterviewedby

thepoliceorotherswiththepowertoprosecute

ii) aprosecutionbeingbroughtagainsttheInsuredinacourtofcriminaljurisdiction

iii) civilproceedingsbeingbroughtagainsttheInsuredunderunfairdiscriminationlaws

b. MotorAmotoringprosecutionbeingbroughtagainsttheInsured

c. OtherAformalinvestigationordisciplinaryhearingbeingbroughtagainsttheInsuredbyaprofessionalorregulatorybody

WhatisnotcoveredunderEvent7:Anyclaimrelatingto:1. owningavehicleordrivingwithout

motorinsuranceordrivingwithoutavaliddrivinglicence

2. aparkingoffence8. LOSSOFEARNINGSTheInsured’sabsencefromworktoattendcourt,tribunal,arbitrationorregulatoryproceedingsattherequestoftheAppointedAdvisororwhilstonjuryservicewhichresultsinlossofearningsWhatisnotcoveredunderEvent8:1. Lossofearningsinexcessof£1,0002. Anysumwhichcanberecoveredfrom

thecourtortribunal9. IDENTITYTHEFTAdisputearisingfromtheuseoftheInsured’spersonalinformationwithouttheirpermissiontocommitfraudorothercrimesprovidedtheInsuredcontactsOurIdentityTheftAdviceandResolutionServiceassoonastheysuspectthattheiridentitymayhavebeenstolenWhatisnotcoveredunderEvent9:TheInsurerwillnotpayforanymoneyclaimed,goods,loans,orotherpropertyorfinanciallossorotherbenefitobtainedasaresultoftheidentitytheft

43

WHATISNOTINSUREDBYTHELEGALEXPENSESSECTIONOFTHEPOLICYYouarenotcoveredforanyclaimarisingfromorrelatingto:1. LegalCostsandExpensesand

CommunicationCostsincurredwithoutOurconsent

2. anyactualorallegedactoromissionordisputehappeningbefore,orexistingatthestartofthepolicyandwhichtheInsuredbelievedoroughtreasonablytohavebelievedcouldleadtoaclaimunderthispolicy

3. anamountbelow£1004. anallegationagainsttheInsured

involving:• assault,violenceordishonesty,

maliciousfalsehoodordefamation• themanufacture,dealinginoruse

ofalcohol,illegaldrugs,indecentorobscenematerials

• illegalimmigration• offencesunderPart7ofthe

ProceedsofCrimeAct2002(moneylaunderingoffences)

5. adisputebetweenYourfamilymembers

6. anInsured’sdeliberateorrecklessact7. ajudicialreview8. adisputearisingfromorrelatingto

clinicalnegligenceexceptasprovidedforinINSUREDEVENT5CLINICALNEGLIGENCE

9. adisputewithUsnotdealtwithunderCondition7,ortheInsurerorthecompanythatsoldthispolicy

10. a. ionisingradiationsor

contaminationbyradioactivityfromanynuclearfuelorfromanynuclearwasteorfromthecombustionofnuclearfuel

b. radioactive,toxic,explosiveor

otherhazardouspropertiesofanyexplosivenuclearassemblyornuclearcomponentthereof

c. war,invasion,actofforeignenemyhostilities(whetherwarisdeclaredornot),civilwar,rebellion,revolution,insurrectionormilitaryorusurpedpower

d. pressurewavesfromaircraftorotheraerialdevicestravellingatsonicorsupersonicspeed

e. anyterroristaction(regardlessofanyothercauseoreventcontributingconcurrentlyorinanyothersequencetotheliability)oranyactiontakenincontrolling,preventingorsuppressingterroristaction.IftheInsurerallegesthatbyreasonofthisexclusionanyliabilityorlossisnotcoveredbythispolicy,theburdenofprovingthecontraryshallbeupontheInsured

11. agrouplitigationorder12. thepaymentoffines,penaltiesor

compensationawardedagainsttheInsured

44

CONDITIONSWHICHAPPLYTOTHELEGALEXPENSESSECTIONOFTHEPOLICYWheretheInsurer’sriskisaffectedbytheInsured’sfailuretokeeptotheseconditionstheInsurercancancelYourpolicy,refuseaclaimorwithdrawfromanon-goingclaim.TheInsureralsoreservestherighttorecoverLegalCostsandExpensesfromtheInsuredifthishappens.1. TheInsured’sResponsibilitiesAnInsuredmust:

a. tellUsimmediatelyofanythingthatmaymakeitmorecostlyordifficultfortheAppointedAdvisortoresolvetheclaimintheInsured’sfavour

b. cooperatefullywithUs,givetheAppointedAdvisoranyinstructionsWerequire,andkeepthemupdatedwithprogressoftheclaimandnothinderthem

c. takereasonablestepstoclaimbackLegalCostsandExpenses,CommunicationCosts,employmenttribunalandemploymentappealtribunalfeesand,whererecovered,paythemtotheInsurer

d. keepLegalCostsandExpensesandCommunicationCostsaslowaspossible

e. allowtheInsureratanytimetotakeoverandconductintheInsured’sname,anyclaim

2. FreedomtochooseanAppointedAdvisora. Incertaincircumstancesassetout

in2b)belowtheInsuredmaychooseanAppointedAdvisor.InallothercasesnosuchrightexistsandWeshallchoosetheAppointedAdvisor

b. TheInsuredmaychooseanAppointedAdvisorif:• Weagreetostartproceedings

orproceedingsareissuedagainstanInsured,or

• thereisaconflictofinterest,

exceptwheretheInsured’sclaimistobedealtwithbytheSmallClaimsCourtwhereWeshallchoosetheAppointedAdvisor

c. WheretheInsuredwishestoexercisetherighttochoose,theInsuredmustwritetoUswiththeirpreferredrepresentative’scontactdetails

d. IftheInsureddismissestheAppointedAdvisorwithoutgoodreason,orwithdrawsfromtheclaimwithoutOurwrittenagreement,oriftheAppointedAdvisorrefuseswithgoodreasontocontinueactingforanInsured,coverwillendimmediately

e. InrespectofaclaimunderINSUREDEVENT1EMPLOYMENT,2CONTRACT,4PERSONALINJURYor5CLINICALNEGLIGENCEtheInsuredentersintoaConditionalFeeAgreementortheAppointedAdvisorentersintoaCollectiveFeeAgreementwherelegallypermitted

3. OurConsentTheInsuredmustagreetoUshavingsightoftheAppointedAdvisor’sfilerelatingtotheInsured’sclaim.TheInsuredisconsideredtohaveprovidedconsenttoUsorOurappointedagenttohavesightoftheirfileforauditingandqualitycontrolpurposes

45

4. Settlementa. TheInsurerhastherighttosettle

theclaimbypayingthereasonablevalueoftheInsured’sclaim

b. TheInsurerhastherighttorecoveremploymenttribunalandemploymentappealtribunalfeesfromasettlementagreementbetweentheInsuredandanemployerorex-employerunderINSUREDEVENT1EMPLOYMENT

c. TheInsuredmustnotnegotiate,settletheclaimoragreetopayLegalCostsandExpenseswithoutOurwrittenagreement

d. IftheInsuredrefusestosettletheclaimfollowingadvicetodosofromtheAppointedAdvisor,theInsurerreservestherighttorefusetopayfurtherLegalCostsandExpenses

e. TheInsuredmustsettleCommunicationCostsarisingfromINSUREDEVENT8IDENTITYTHEFTinthefirstinstanceandmakeareceiptedclaimtoUsforreimbursement

5. Barrister’sOpinionWemayrequiretheInsuredtoobtainandpayforanopinionfromabarristerifadisputearisesregardingthemeritsorvalueoftheclaim.IftheopinionsupportstheInsured,thentheInsurerwillreimbursethereasonablecostsofthatopinion.IfthatopinionconflictswithadviceobtainedbyUs,thentheInsurerwillpayforafinalopinionwhichshallbebindingontheInsuredandUs.ThisdoesnotaffecttheInsured’srightunderCondition6below

6. DisputesIfanydisputebetweentheInsuredandUsarisesfromthispolicy,theInsuredcanmakeacomplainttoUsasdescribedonpage46ofthispolicyand

Wewilltrytoresolvethematter.IfWeareunabletosatisfytheInsured’sconcernstheInsuredcanasktheFinancialOmbudsmanServicetoarbitrateoverthecomplaint

7. OtherInsuranceTheInsurerwillnotpaymorethanitsfairshare(rateableproportion)foranyclaimcoveredbyanotherpolicy,oranyclaimthatwouldhavebeencoveredbyanyotherpolicyifthispolicydidnotexist

8. FraudulentClaimsIftheInsuredmakesanyclaimwhichisfraudulentorfalse,thepolicyshallbecomevoidandallbenefitunderitwillbeforfeitedincludingthepremium

9. ActsofParliament&JurisdictionAlllegalinstrumentsandrulesreferredtowithinthepolicyshallincludeequivalentlegislationinScotland,NorthernIreland,theIsleofManandtheChannelIslandsandanysubsequentamendmentorreplacementlegislation.ThispolicywillbegovernedbyEnglishlaw

10. DataProtectionActItisagreedbytheInsuredthatanyinformationprovidedtoUsand/ortheInsurerregardingtheInsuredwillbeprocessedbyUsand/ortheInsurer,incompliancewiththeprovisionsoftheDataProtectionAct1998,forthepurposeofprovidinginsuranceandhandlingclaims,ifany,whichmayinvolvepassinginformationtootherparties.ForOurmutualprotectionandOurtrainingpurposes,callsmayberecorded

11. Contracts(RightsofThirdParties)Act1999ApersonwhoisnotinsuredunderthiscontracthasnorighttoenforcethetermsandconditionsofthispolicyundertheContracts(RightsofThirdParties)Act1999

46

COMPLAINTSPROCEDURE

IfatanytimeYouhaveanyqueryorcomplaintregardingtheFamilyLegalSolutionselementofthepolicy,Youshouldinthefirstinstancecontacttheschemeadministrators,Coast,whosoldthepolicytoYou.Contactdetailsare:ComplianceManagerCoastHelixHouseHighStreetWadhurstEastSussexTN56AAYoucantelephonethemon0800614849.IfYourcomplaintcannotberesolvedstraightaway,Youshouldcontact:TheCustomerRelationsDepartmentARAGplc9WhiteladiesRoadCliftonBristolBS81NNTelephone:01179171561(hoursofoperationare9am–5pm,MondaytoFridayexcludingbankholidays,forOurmutualprotectionandOurtrainingpurposes,callsmayberecorded)oremailcustomerrelations@arag.co.uk

ShouldYouremaindissatisfiedYoumaybeentitledtopursueYourcomplaintfurtherwithLloyd’s,whocanbereachedinthefollowingways:Policyholder&MarketAssistanceMarketServicesLloyd’sFidentiaHouseWalterBurkeWayChathamMaritimeKentME44RNTelephone:02073275693,Fax:02073275225email:complaints@lloyds.comWebsite:www.lloyds.com/complaintsIfLloyd’sisnotabletoresolvethecomplainttoYoursatisfactionthenYoumayreferittotheFinancialOmbudsmanServiceprovidedthatitfallswithinitsjurisdiction.TheFinancialOmbudsmanServicecannormallydealwithcomplaintsfromsmallbusinesseswithanannualturnoveroflessthan€2million.TheFinancialOmbudsmanServicecanbecontactedat:FinancialOmbudsmanServiceExchangeTowerLondonE149SRTelephone:08000234567or03001239123Email:complaint.infofinancial-ombudsman.org.uk

47

TheFinancialOmbudsmanServiceisanindependentserviceintheUKforsettlingdisputesbetweenconsumersandbusinessesprovidingfinancialservices.YoucanfindoutmoreinformationontheFinancialOmbudsmanServicewebsiteatwww.financial-ombudsman.org.uk.TheFinancialOmbudsmanService’sdecisionisbindingupontheInsurer,butYouarefreetorejectitwithoutaffectingYourlegalrights.

FinancialServicesCompensationSchemeWearemembersoftheFinancialServicesCompensationScheme(FSCS).YoumaybeentitledtocompensationfromthisschemeifWecannotmeetOurobligations,dependingonthetypeofinsuranceandthecircumstancesofYourclaim.Furtherinformationisavailableatwww.fscs.org.ukorbycontactingtheFSCSdirectlyon08006781100.

48

HOWTOMAKEACLAIM(FamilyLegalSolutionsSection)ClaimsProcedureIfyouneedtomakeaclaimyoumustnotifyusassoonaspossible.1. UndernocircumstancesshouldYou

instructYourownlawyeroraccountantastheInsurerwillnotpayanycostsincurredwithoutouragreement.

2. Youcanrequestaclaimformbetween9amand5pm,MondaytoFriday(exceptbankholidays)bytelephoning01179171698orbydownloadingoneatwww.arag.co.uk/newclaims.

3. WewillissueYouwithawrittenacknowledgementwithinoneworkingdayofreceivingYourclaimform.

4. Withinfiveworkingdaysofreceivingalltheinformationneededtoassesstheavailabilityofcoverunderthepolicy,WewillwritetoYoueither:• confirmingtheappointmentofa

qualifiedrepresentativewhowillpromptlyprogresstheclaimforYou;or

• iftheclaimisnotcovered,explaininginfullwhyandwhetherWecanassistinanotherway.

5. WhenalawyerisappointedtheywilltrytoresolveYourdisputewithoutdelay,arrangingmediationwheneverappropriate.Matterscannotalwaysberesolvedquicklyparticularlyiftheothersideisslowtocooperateoralegaltimetableisdecidedbythecourts.

LEGALANDTAXADVICEIfYouhavealegalortaxproblemWestronglyrecommendthatYoutakeadvantageofOurconfidentiallegalandtaxadvicehelplinewhichisprovidedaspartofthispolicy.Thelegaladvicehelplineisopen24/7andtaxadviceisavailablebetween9amand5pmonweekdays(exceptbankholidays).TheadvicecoverspersonallegalmatterswithinEUlaworpersonaltaxmattersfallingwithinUKlaw.Servicesaresubjecttofairandreasonableuse.Yourquerywillbedealtwithbyaqualifiedspecialistexperiencedinhandlinglegalandtaxrelatedmatters.Forlegalandtaxadvice,pleasetelephoneARAGon03330007809(localratenumber).

   

NOTES  

   

NOTES  

CoastCoastisatradingnameofParkHomeInsuranceServicesLtd.

RegisteredOffice:HelixHouse,HighStreet,Wadhurst,EastSussex,TN56AA.RegisteredinEnglandandWalesnumber2979679.

ParkHomeInsuranceServicesLtdisauthorisedandregulatedbytheFinancialConductAuthority.OurFCAregisternumberis306716.

Ourpermittedbusinessissellingandadministeringcontractsofgeneralinsurance.

Underwrittenby:BritSyndicate2987atLloyd’s

BritSyndicate2987atLloyd’sismanagedbyBritSyndicatesLimitedwhichisauthorisedbythePrudentialRegulationAuthorityandregulatedbythe

FinancialConductAuthority,registernumber204930.

LegalExpensesInsuranceadministeredby:ARAGplc

9WhiteladiesRoad,Clifton,BristolBS81NN.RegisteredinEnglandandWales,number2585818.

ARAGplcisauthorisedandregulatedbytheFinancialConductAuthority.FCAregisternumber452369.

Communicationsmaybemonitoredorrecordedtoimproveourserviceandforsecuritypurposes.

HelixHouse,HighStreet,Wadhurst,EastSussex

TN56AA

Tel:0800614849–Fax:01892784863Email:info@coastinsurance.co.uk

www.coastinsurance.co.uk

CoastisatradingnameofParkHomeInsuranceServicesLimited,whichisauthorisedandregulatedbytheFinancialConductAuthority

(FCARegisterNumber306716).ThecompanyisregisteredinEnglandandWales(CompanyNumber2979679).

ParkHomePolicy–Jan2017

Coast–PlatinumSept2016