SimpleHousehold Contents Insurance

Household Contents Insurance

Application FormPlease return your application form to:RSA, Direct Group Ltd, Quay Point, Lakeside Boulevard, Doncaster DN4 5PL

The Guinness ParTnershiP LimiTed reminds aLL CusTOmers TO TaKe OuT hOusehOLd COnTenTs insuranCe

Many customers believe that The Guinness Partnership Limited automatically insure their furniture, belongings and decorations against fire, theft, vandalism or water damage such as burst pipes. THIS IS NOT THE CASE.

Unfortunately some customers only realise this after the damage has been done. We make it easy for you to insure your belongings under a special household contents insurance scheme. The insurance is arranged with Royal & Sun Alliance Insurance plc and is available only to The Guinness Partnership Limited customers.

There are 2 cover levels for you to decide from. Simple cover does not include any cover for Accidental Damage. You also have the option to add cover for Personal Belongings, Hearing Aids, Wheelchairs or Garden huts, outbuildings, garages and greenhouses to Simple or Simple+. The costs for covers are all detailed at the back of this pack.

Simple■ Most of your household goods and contents including pedal

cycles and computer equipment are insured when in your home.■ They are covered against loss or damage caused by specific

events such as theft, fire and flood.■ Also insured are lost or stolen keys, freezer contents, your

own legal liability to the public and the cost of alternative accommodation.

■ Improvements you have made to your home such as fitted kitchens, bathrooms, wardrobes, laminate flooring, patio doors etc (but not greenhouses or conservatories).

■ Simple+ includes Accidental Damage cover.

Simple+

2

1 Add up how much money it would cost to replace your contents using the diagram below

2 Decide what cover you need after reading the cover options on page 4

3 Check the cost for your choice of cover, with the total contents sum insured you need using the rating tables at the back of this pack

4 Complete and sign the application form

5 Return your completed application form to the address detailed on the front cover

For general enquiries please call 08456 718 172. Calls may be recorded or monitored.

sTeP 1

5 easy sTePs TO PrOTeCT whaT yOu Own

Add up how much money it would cost to replace your contents

BedroomsFurniture, linen, bedding, TV, video,

visual equipment, valuables and general items

£....................

Hall, Stairs & LandingFurniture and general items

£....................

BathroomFixtures, fittings and linen

£....................

Dining RoomFurniture and

valuables

£....................

KitchenHousehold appliances,

cooking utensils, cutlery, crockery,

cleaning equipment

and materials, food, drink and

valuables

£....................

All RoomsCarpets, floor coverings, curtains and

fittings

£....................Lounge

Furniture, TV, video, visual equipment, valuables and general items

£....................Other Rooms

Toys, baby equipment, domestic toolsand general items

£....................

£.............Total cost to replace all contents below

3

whaT The POLiCy COVers...

SimpleYour household contents and personal belongings - furniture, TV, clothing, carpets and electrical goods - are insured against loss or damage while they are in your home. The insurance covers specified circumstances including theft, vandalism, fire, flood and escaping water (e.g. from a washing machine or bath). A single item limit of £1,500 applies to contents.

Tenants liability - Up to 20% of the sum insured for damage to buildings and internal decorations.

Accidental breakage of mirrors, ceramic hobs in free standing cookers or glass which forms part of the furniture in the home.

Fridge / Freezer contents – Contents Sum Insured.

Locks and keys – Up to £500.

£5,000 Accidental Death benefit as a result of an accident in the home, while travelling as a fare paying passenger by train, bus or taxi or an assault in the street.

Contents while in the open on the land belonging to your home are insured against loss or damage in specified circumstances including theft, fire and flood – Up to £500.

Student possessions which belong to or are the legal responsibility of students while temporarily removed from your home to student lodgings are insured against loss of or damage in specified circumstances including theft, fire and flood - Up to £2,500.

Theft of money by bogus officials - Up to £300.

Trees, shrubs, plants, hedges and lawns on the land belonging to your home are insured against specified circumstances including theft, fire and vandalism - Up to £250.

Valuables are items which are particularly prone to theft, such as jewellery, watches, clocks, articles of precious metal, pictures, works of art and stamp, coin and medal collections. Valuables are covered in total up to 1/3 of the contents sum insured and a single item limit of £1,500 applies.

No excess applies to this cover.

Simple+All the cover provided by Simple, plus cover for accidental damage to the contents of your home - Excludes damage to clothing, contact lenses, food, drink and plants.

No excess applies to this cover.

Optional Extras

Personal BelongingsUp to £3,000 cover available for personal belongings, including pedal cycles and sports equipment whilst in the British Isles and temporarily elsewhere in Europe up to a maximum of 14 days. Hearing Aids and WheelchairsUp to £3,000 cover available for hearing aids and wheelchairs whilst in the British Isles and temporarily elsewhere in Europe up to a maximum of 14 days. Garden huts, outbuildings, garages and greenhousesUp to £500 cover available for damage to your garden huts, outbuildings, garages and greenhouses against specified causes such as fire, theft, storm and flood.

Policy Exclusions

Please note this Policy is not a maintenance contract, it does not cover all losses.The Policy does not cover:- Loss or damage by scorching without a fire actually starting. - Loss or damage by wear and tear, maintenance, electrical, mechanical or electronic breakdown, leaks and anything which happens gradually, radioactive contamination, war risks, sonic bangs, pollution or contamination, rot, date change and computer viruses and terrorism. - Any items used for business or professional purposes. - Losses by certain causes when the home has been unoccupied for more than 60 days in a row.

This is only a brief summary of what the Policy does and does not cover. Full details of the conditions and exclusions are given in the Policy; a specimen Policy document is available on request.

sTeP 2 Decide what cover suits you

4

imPOrTanT inFOrmaTiOnPlease read the important information which follows including the declaration and remember to sign and date the application form.

A copy of the completed Application Form is available on request but you should keep a record of all information supplied to us for the purpose of entering into this contract. A specimen policy is available on request. Your answers to our questions are important and provided you have answered them to the best of your knowledge and belief, we consider that you have fulfilled your requirements. You should tell us if any of these details are incorrect or change. We may reassess your cover, terms and premiums when we are told about changes in your circumstances. If you do not tell us about any changes, or give us incorrect information, the wrong terms may be quoted, a claim might be rejected or payment could be reduced. If there is insufficient space for your response, please continue on a separate sheet of paper if necessary. RSA will treat your personal information fairly and lawfully in accordance with the Data Protection Act 1998.

Claims and Underwriting Exchange Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd (IDS Ltd). The aim is to help us to check information provided and also to prevent fraudulent claims. When we deal with your request for insurance, we may search the register. When you tell us about an incident (such as fire, water damage or theft) which may or may not give rise to a claim, we will pass information relating to it to the register. You can ask us for more information about this. You should show this notice to anyone who has an interest in property insured under the policy.

Law Applicable to the ContractBoth you and we may choose the law which applies to this contract. However, unless you and we agree otherwise, the law which applies is the law applicable in the part of the United Kingdom, Channel Islands or Isle of Man in which you live. Full details will be provided in your policy documentation. Policies are underwritten by Royal & Sun Alliance Insurance plc.

Financial SanctionsPlease note that Royal & Sun Alliance Insurance plc is unable to provide insurance in circumstances where to do so would be in breach of any financial sanctions imposed by the United Nations or any government, governmental or judicial body or regulatory agency. Full details will be provided in your policy documentation.

Complaints Procedure We have a complaints procedure in place, both with an independent facility and in-house. For further details please refer to your policy document. You will receive your policy documents soon. If you have any queries before you have received the details please feel free to call us and we will be pleased to help you. You have the right to take your case to the Financial Ombudsman Service.

Your Right to Cancel the PolicyIf having examined your policy you decide not to proceed with the insurance, you will have 14 days to cancel it starting on the day you receive the policy documentation. On receipt of your written notice we will refund any premiums already paid, unless we have been notified of a claim.

Eligibility DisclaimerRSA has the right to refuse any application which does not meet its underwriting eligibility criteria under the scheme.

DeclarationImportant Note: Before you sign this form, please read it again making sure all questions are answered in full. Check that the answers which have been given are correct. Once you and any joint applicant sign this form you are responsible for its accuracy. To give false information knowingly in answer to any of the questions in order to obtain insurance or to obtain a reduced premium could be a criminal offence and will certainly invalidate your insurance.

I/We declare that to the best of my/our knowledge and belief the statements made by me/us or on my/our behalf are true and complete.I/We consent to the searching of information from other insurers to check the answers I/we have provided and I/we authorise the giving of information for such purposes.

I/We also understand that, in response to any searches you may make in connection with this application or any incident I/we have given details of, IDS Ltd may pass you information it has received from other insurers about other incidents involving anyone insured under the policy.

sTeP 3 Use the prices at the back of the form to choose which price is correct for the cover you want

5

1. Have you or any member of your family who normally live with you at your current address or elsewhere

a) made any household contents claims in the last 5 years?

b) had insurance cancelled, declined or declared void or had special terms or conditions applied?

c) been convicted of any offence other than driving offences?

2. Has the home or the land belonging to it been flooded in the last 5 years?

3. Will the home be left unoccupied for a total of more than 60 days in a year?

4. Will the home be occupied by anyone other than you or your family?

If yes, how many people other than you or your family will occupy the home with you?

If you have answered yes to the above questions, please give details on a separate sheet of paper.

NOYES

Method of Payment (Please Tick)

Weekly Fortnightly Monthly Monthly Annually payment card payment card payment card Direct Debit

Remember to read all the important information including the declaration on page 5 and sign and date this form

Name of your Council/Housing Association

Name of Applicant 1 (Mr/Mrs/Miss/Ms) Date of Birth

Name of Applicant 2 (Mr/Mrs/Miss/Ms) Date of Birth

Joint applicants must be named and must sign this form otherwise cover for them will not be in force.

Address of your home to be insured

Postcode

Precise Occupations: Applicant 1

Applicant 2

Rent Reference Number

Telephone Number

Cover required (Please tick one) Simple

Simple +

Amount of insurance cover required (to the nearest £1,000) £

Do you require the extension in cover for Personal Belongings (see cost of cover tables)? £

Do you require the extension in cover for Wheelchairs (see cost of cover tables)? £

Do you require the extension in cover for Hearing Aids (see cost of cover tables)? £

Do you require the extension in cover for Garden huts, outbuildings, garages and greenhouses up to £500 (see cost of cover tables)?

Date you want the insurance to start from

Whenever we ask questions on the application form about your family, we mean you or any of the following people providing they normally live with you; your husband; wife or partner; children (including foster children) your relatives; your domestic employees

It is important that the Sum Insured is sufficient to replace ALL household good and personal belongings.

If the Sum Insured is inadequate, you will have to bear a proportion of any claim.

Signature of Applicant 1 Date

Signature of Applicant 2 Date

sTeP 4 Complete and sign this aPPLiCaTiOn FOrm

sTeP 5 Return this form to the address on the front of this booklet6

NOYES

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Your Sum Insured is calculated using the house diagram on page 3

7

whaT iT wiLL COsT

Your Sum Insured is calculated using the house diagram on page 3

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Insu

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All p

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2.61

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1.62

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1.60

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5.33

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95£1

1.45

£22.

21£2

3.94

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5£5

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6 £

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2.28

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2.83

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7.92

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62£1

2.08

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45£2

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21£2

77.6

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39,0

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2.95

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4.06

£25.

94£5

0.51

£284

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£565

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28£1

2.72

£24.

68£2

6.60

£51.

80£2

92.2

8£5

80.4

0

The

follo

win

g pr

ices

are

ava

ilabl

e fo

r pos

tcod

es: B

D; B

L; D

N; F

Y; H

U; LS

; M; O

LYo

ur p

rice

depe

nds

on, t

he c

over

cho

sen,

how

ofte

n yo

u w

ould

like

to p

ay a

nd y

our S

um In

sure

d (c

alcu

late

d on

pag

e 3)

All p

rem

ium

s ar

e in

clus

ive

of In

sura

nce

Prem

ium

Tax

at th

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rren

t rat

e.

whaT iT wiLL COsT

Your Sum Insured is calculated using the house diagram on page 3

9

Personal Belongings

Sum Insured Weekly Fortnightly Monthly Annually

£1,000 £0.75 £1.50 £3.25 £39.00

£2,000 £0.95 £1.90 £4.12 £49.40

£3,000 £1.18 £2.36 £5.11 £61.36

All premiums are inclusive of Insurance Premium Tax at the current rate.

Wheelchairs

Sum Insured Weekly Fortnightly Monthly Annually

£1,000 £1.04 £2.08 £4.51 £54.08

£2,000 £2.08 £4.16 £9.02 £108.16

£3,000 £3.12 £6.24 £13.53 £162.24

All premiums are inclusive of Insurance Premium Tax at the current rate.

Hearing Aids

Sum Insured Weekly Fortnightly Monthly Annually

£1,000 £1.04 £2.08 £4.51 £54.08

£2,000 £2.08 £4.16 £9.02 £108.16

£3,000 £3.12 £6.24 £13.53 £162.24

All premiums are inclusive of Insurance Premium Tax at the current rate.

Garden huts, outbuildings, garages and greenhouses

Sum Insured Weekly Fortnightly Monthly Annually

£500 £0.26 £0.52 £1.13 £13.52

All premiums are inclusive of Insurance Premium Tax at the current rate.

whaT iT wiLL COsTOptional ExtrasThe following prices are available for all postcode areas

Royal & Sun Alliance Insurance plc, No. 93792 Registered in England and Wales at St. Mark’s Court, Chart Way, Horsham, West Sussex RH12 1XL Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

10

NHC-APP-B1 | 07/13