extra_kf

7/29/2019 extra_kf

1/20

1

KEY

FEATURES.

HOME INSURANCE EXTRA

INSURANCE. SAVINGS.

INVESTMENT MANAGEMENT.

7/29/2019 extra_kf

2/20

1

ABOUT LEGAL & GENERAL.The Legal & General Group, established in 1836, is one o the UKs leading fnancialservices companies.

Legal & General Insurance Limited is authorised and regulated by the Financial Services

Authority or insurance business. We are entered on their register under number 202050.

You can check this at www.fsa.gov.uk or by phoning them on:

This contract is governed by the law o England and Wales and we will communicatein English throughout the course o this contract.

Call charges will vary. Calls may be recorded and monitored.

0300 500 5000

USEFUL PHONENUMBERS.

GENERAL ENQUIRIES:

Home insurance

0370 900 3110

HELPLINES:

Legal helpline

0370 050 0962 (24 hour)Domestic emergency helpline

0800 408 9103 (24 hour)

MAKING A CLAIM:

Home insurance

0370 900 5565 (24 hour)Home emergency cover

(provided you have selected buildings insurance)

0845 155 6403 (24 hour)Family legal protection (i selected)

0370 050 0962 (24 hour)

HOME INSURANCE EXTRA INTRODUCTION

7/29/2019 extra_kf

3/20

2

POLICYSUMMARY.Home Insurance Extra providesyou with a wide range o homeand contents cover. You can alsopurchase additional sections o cover

to tailor the policy to your needs.This policy summary is only a brieguide to your cover and exclusions.You can fnd the ull terms, conditionsand exceptions in the policy bookletthat we will send you when yourcover starts. I you would like a copy

beore then, just ask us.This insurance is provided byLegal & General Insurance Limitedexcept home emergency cover,which is provided by Inter PartnerAssistance SA and administered byHomeServe Claims ManagementLimited.

HOME INSURANCE EXTRA POLICY SUMMARY

7/29/2019 extra_kf

4/20

3 HOME INSURANCE EXTRA POLICY SUMMARY

BUILDINGS.Our buildings insurance provides wide-ranging cover for the structureof your home, including its permanent xtures and ttings.

For ull details about your cover and the exclusions see section 1 o the policy booklet that

we will send you when your cover starts. I you want a copy beore then, please ask us.

OPTIONAL EXTENDED ACCIDENTAL DAMAGE COVER

For an additional premium, we will also cover extended accidental damage such as

banging a nail through a pipe or putting your oot through the ceiling while you arein the lot. See What is not covered on page 4 or some o the exclusions and excesses.

We will insure your home against loss or

damage rom many causes, including but

not limited to:

fre, smoke, explosion, lightning

or earthquake;

malicious acts or vandalism;

storm or ood;

subsidence, heave or landslip;

thet or attempted thet;

escape o water and leakage o oil; and

alling trees.

WHAT IS COVERED

We also cover:

Accidental damage to underground pipes

or cables serving your home.

Accidental breakage o fxed glass and

fxed sanitaryware.

Your legal liability as owner o the

property or injury or damage to others

or or damage to their property, up to a

maximum o 2 million or a single claim.

We do not cover your liability as an

occupier or your personal liability

under this section, although we do

oer this cover as standard in our

contents insurance.

7/29/2019 extra_kf

5/20

4HOME INSURANCE EXTRA POLICY SUMMARY

We also cover various othercosts you might incur, including:

Up to 50,000 alternative

accommodation costs i you have to

temporarily move out o your home

because o an insured event.

The cost o tracing water or oil leaks

inside the home, including damage

caused while fnding the leak, up to

5,000.

Up to 750 or replacing locks tothe external doors to your home i

your keys are stolen, i not otherwise

insured.

Up to 150 home emergency cover

or call out ees, labour costs and

materials to make your home sae

ater an emergency such as a burst

pipe or break in.

WHAT IS COVERED (continued)

A policy excess o 100 or each and

every claim or in the event o escape

o water, an excess o 250, or in the

case o subsidence, heave or landslip,

an excess o 1,000.

Damage to ences, gates and hedges

caused by storm or ood.

Loss or damage caused by

underground water.

Maintenance, wear and tear or

damage that happens gradually over

a period o time such as damp or rot.

Loss or damage caused by malicious

acts, vandalism, thet, escape o water,

leakage o oil, breakage o glass or

sanitaryware or rost i your home

has been unoccupied or more than

60 consecutive days. In this case there

is no cover rom the frst day the home

is not lived in.

The costs o replacing any

undamaged or unbroken item or

parts o items orming part o a

set, suite or other article o uniorm

nature, colour or design i damage

occurs within a clearly identifable

area or to a specifc part and it is not

possible to match replacements.

WHAT IS NOT COVERED

7/29/2019 extra_kf

6/20


CONTENTS.Our Extra contents insurance provides wide-ranging cover for yourcontents, including household goods and personal belongings inyour home.

For ull details about your cover and the exclusions, see section 2 o the policy booklet that

we will send you when your cover starts. I you want a copy beore then, please ask us.

We will insure your contents against loss

or damage rom many causes, including

but not limited to:

fre, smoke, explosion, lightning or

earthquake;


storm or ood;


escape o water and leakage o oil; and

alling trees.

WHAT IS COVERED

OPTIONAL EXTENDED ACCIDENTAL DAMAGE COVER

For an additional premium, we will also cover extended accidental damage such as

spilling red wine on your carpet or breaking a avourite ornament. See What is notcovered on page 6 or some o the exclusions and excesses.

We also cover:

Accidental damage to computers,

TVs and stereos.

Accidental damage to business

equipment such as computers, ax

machines and photocopiers. We will

cover them in total or up to 10% o your

contents sum insured and up to 5% or

a single item, pair or set.

Accidental breakage o mirrors and fxed

glass in urniture.

Your legal liability as a home occupier

or injury to others or damage to their

property. We also cover your legal

liability as a private individual anywhere

in the world. We will pay up to 2 million

or a single claim.

Your legal liability as an employer o

domestic sta at your home. We will pay

up to 5 million or a single claim.

7/29/2019 extra_kf

7/20


We also include cover for: High risk property like jewellery,

pictures, works o art and stamp and

coin collections. We will cover them in

total or up to 33% o your contents sum

insured (minimum 14,000) and up to 5%

o your contents sum insured (minimum

2,000) or a single item, pair or set.

Alternative accommodation costs i

you have to temporarily move out

o your home because o an insuredevent, up to 25% o your contents sum

insured (minimum 10,000).

Contents in the garden, within your

homes boundaries up to 1,000.

Thet or attempted thet rom your

garage or domestic outbuildings up

to 10% o your contents sum insured

(minimum 5,000).

Replacing locks to the external doors

to your home i your keys are stolen,up to 750.

Personal money in your home up

to 500.

Loss as a result o credit card raud

up to 5,000.

Freezer contents up to 1,000.

Loss o oil or metered water as a result

o accidental damage to your water or

heating installations up to 2,000.

WHAT IS COVERED (continued)

A policy excess o 100 or each and

every claim or, in the event o escape

o water, an excess o 250.

Loss or damage caused by malicious

acts, vandalism, thet, escape o water

or leakage o oil i your home has

been unoccupied or more than 60

consecutive days. In this case there

is no cover rom the frst day the homeis not lived in.

Money stolen rom your home unless

it was entered by orce and violence.

Loss or damage caused by

underground water.

Accidental damage to items designed

and intended to be portable, or to hand

held computer equipment and games.

I cover is required or these items,

you can choose optional extended

accidental damage or personal

possessions cover.

The costs o replacing any undamaged

or unbroken item or parts o items

orming part o a set, suite or other

article o uniorm nature, colour or

design i damage occurs within a

clearly identifable area or to a specifc

part and it is not possible to match

replacements.

WHAT IS NOT COVERED

In certain circumstances, we will

add the Minimum standards ofsecurity endorsement to your

policy, a summary of which can be

found on page 17 of this booklet.

IMPORTANT

7/29/2019 extra_kf

8/20


PERSONALPOSSESSIONS INAND AWAY FROMYOUR HOME.If you insure your homes contents with us, you can also choose toinsure your personal possessions. We will cover them against lossor damage, both at your home and away from it. Cover will applyanywhere in the UK and for up to 60 days in any insurance year forthe rest of the world.

For full details about your cover and the exclusions see section 3 of the policy booklet that

we will send you when your cover starts. If you want a copy before then, please ask us.

7/29/2019 extra_kf

9/20


There are our categories o cover:

1. Personal property

We will cover loss or damage to clothing,

personal belongings and valuables

that you normally wear or carry. We

will provide cover up to 1,500 or each

article, pair or set. You will have to

speciy any items you use or business,

because we do not automatically

cover them.

2. Personal money

We will automatically cover up to 500 i

you choose cover or personal property.

3. Pedal cycles

We will cover loss or damage up to

500 per pedal cycle. We may insure

cycles worth more than the limit i you

provide us with the make, model and

rame number.

4. Specied articles

We will cover loss or damage to

specifed single articles, pairs or sets.

A policy excess o 100 or each claim.

Wear and tear or damage that

happens gradually over a period

o time.

Any amount over 2,000 or losses

rom unattended vehicles.

Thet rom an unattended vehicle

unless it is securely locked andthe property is hidden in a glove

compartment, locked luggage

compartment or locked boot.

The costs o replacing any

undamaged or unbroken item or

parts o items orming part o a

set, suite or other article o uniorm

nature, colour or design i damage

occurs within a clearly identifable

area or to a specifc part and it is notpossible to match replacements.

We will automatically adjust the sums

insured in line with ination, except

or personal money. However, some

things such as jewellery, increase or

decrease in value at a dierent rate,

so it is a good idea to have them

proessionally valued regularly.

WHAT IS COVERED

WHAT IS NOT COVERED

If you claim, you will need to

show us a receipt, proof of

purchase or a professional

valuation pre-dating your loss.If you cannot, we may reduce the

amount of your claim or not meet

your claim at all.

IMPORTANT

7/29/2019 extra_kf

10/20


FAMILY LEGALPROTECTION.If you insure your buildings or contents with us, you can alsochoose to take out cover for the costs and expenses of certainUK legal proceedings.



7/29/2019 extra_kf

11/20


You will be covered or the costs opursuing legal proceedings arising rom:

Death o or personal injury to you or

your immediate amily.

Buying or hiring goods or services or

your own personal use.

Any inringement o your legal rights

rom owning or occupying your

home.

A breach o your employment

contract.

You will be covered or the costs o

deending legal proceedings arising

rom:

A motoring prosecution brought

against you.

The sale o privately owned goods

by you.

We will also pay your costs inconnection with a ormal enquiry by

HM Revenue & Customs into your

private tax aairs.

We do not cover legal proceedings

arising rom:

Divorce, dissolution o registered

civil partnerships and matrimonial

matters.

The ownership or occupation

o your home in the frst 180 days

o your policy.

A breach o your contract o

employment in the frst 90 days

o your policy.

We will also ask you to pay a policy

excess o 50 against any claim under

this section.

WHAT IS COVERED

WHAT IS NOT COVERED

Claims will be handled for us by

DAS Legal Expenses InsuranceCompany Limited, DAS House,

Quay Side, Temple Back,

Bristol BS1 6NH

7/29/2019 extra_kf

12/20


CARAVAN.If you insure your homes contents with us, you can also choosecaravan cover.

We will cover loss or damage to your

caravan, including its fxtures and

fttings. Our cover applies anywhere in

the UK and or up to 60 days each year

in Europe.

We settle claims on the cost o repair or

your caravans market value. I the cost

o repair exceeds the market value and

your caravan is less than a year old, we

will pay its replacement cost.

We also cover:

up to 250 towing and delivery costs;

up to 30 days alternative

accommodation cover, up to

20 a day;

legal liability cover up to 2 million;

and

up to 200 or clothing and personal

articles while they are in the caravan.

A policy excess o 100 or any claim.

Thet o or loss rom empty caravans

which are not properly secured.

Damage to tyres due to braking,

punctures, cuts or bursts.

Caravans rented out or money or

other reward.

I your caravan is on a fxed site and has

not been lived in or more than 30 days

at the time o loss or damage, we will

not cover loss or damage caused by:



escape o water or rost damage; or

breakage o fxed glazing or

sanitaryware. Thet or attempted thet i the caravan

has been let unhitched rom a towing

vehicle or more than eight hours unless

it is secured with a hitchlock, wheel

clamp or any other protection that we

have agreed.

The costs o replacing any undamaged

or unbroken item or parts o items

orming part o a set, suite or other

article o uniorm nature, colour ordesign i damage occurs within a clearly

identifable area or to a specifc part and

it is not possible to match replacements.

WHAT IS COVERED

WHAT IS NOT COVERED



7/29/2019 extra_kf

13/20


CUSTOMERHELPLINES.

LEGAL ADVICEHELPLINE

Our legal helpline provides advice on

domestic legal problems, which may

be confrmed in writing. There is no

additional charge or using the helpline.

I you take out amily legal protection

cover, you will even be covered or

certain legal costs and expenses.

The legal helpline is provided on behalo Legal & General Insurance Limited

by DAS Legal Expenses Insurance

Company Limited.

0370 050 0962

DOMESTIC EMERGENCY

HELPLINE

I you have a home emergency such

as burst pipes, blocked drains or roo

damage, we will put you in touch with

someone local and reputable. You can

even call us to fnd a reputable local

decorator or electrician.

The domestic helpline is provided on

behal o Legal & General InsuranceLimited by HomeServe Claims

Management Limited.

You can call the domestic emergency

helpline on:

0800 408 9103

I you have selected buildings cover,

then you may be covered or certain

home emergency costs. You can phone

the home emergency cover helpline on:

0845 155 6403

With our buildings or contents insurance, you will have access to our24 hour legal and domestic emergency helplines.


7/29/2019 extra_kf

14/20


IMPORTANTINFORMATION.CANCELLATION

Our cancellation rights

i) I you commit raud or attempt to

commit raud, we will cancel your

policy without any reund o premium.

ii) I we do not receive the ull premiumwhen due, we will cancel your policy

and your cover will only be in orce

or the proportional period or which

we have received payment. I we do

not receive the ull premium when

due and you have made a claim in

the current period o insurance, you

must pay the ull annual premium

and no reund is due. We have the

right to deduct all unpaid instalmentsand any outstanding premium rom

any claim that we may pay.

iii) We may cancel your policy by

sending you 14 days written

notice to your most recent address

known to us i any o the ollowing

circumstances occur:

You ail to carry out any

reasonable recommendations we

make to prevent loss or damageto the insured property.

You do not make good any

damage to the insured property

without delay and this increases

the possibility o material loss,

damage or injury.

You ail to maintain the buildings

in sound condition and in good

repair. I you are unsure as to the

condition o your property, you

should consult a suitably

qualifed expert.

There is a change in the

inormation provided by you

which increases the possibility o

material loss, damage or injury.

Any unreasonable behaviour

by you including but not limited

to abuse, oensive and/or

threatening language or action.

I we cancel your policy in

accordance with iii), we will reund

any premium you have paid or

the period o unused cover rom

the date that the 14 days written

notice expires.

Your cancellation rights

You may cancel this policy at any time.

i) I you have not made a claim in the

current period o insurance, you may

cancel this policy at any time and we

will reund the premium paid or the

period o unused cover.

ii) I you have made a claim in the

current period o insurance: You may cancel the policy

within 14 days o receiving the

policy documents or o the start

or renewal date o the policy

(whichever is later) and we will

reund the premium paid or the

period o unused cover.

You may cancel the policy

ater 14 days o receiving the

policy documents or o the startor renewal date o the policy

(whichever is later), but no reund

o premium will be due.

7/29/2019 extra_kf

15/20


HOW TO CANCEL

YOUR POLICY

Please call us on:

0370 900 3110

HOW LONG YOUR

CONTRACT WILL LAST

We will give you a 12 month contract,

that is annually renewable in

accordance with the general

conditions applying to this policy.

FEES

We may charge you a ee i you amend

or cancel your policy. I your policyincludes these ees they will be shown

on your policy schedule that we will

send you when your cover starts.

HOW TO MAKE A CLAIM

For home insurance claims,

please call us on:

0370 900 5565 (24 hour)

For home emergency claims,

please call HomeServe on:

0845 155 6403 (24 hour)

For amily legal protection claims,

please call DAS on:

0370 050 0962 (24 hour)

FINANCIAL SERVICES

COMPENSATION SCHEME

The Financial Services Compensation

Scheme (FSCS) is designed to pay

customers compensation i they

lose money because a frm is unable

to pay them what they owe or any

reason. Your ability to claim rom the

scheme and the amount you may be

entitled to will depend on the specifc

circumstances o your claim.

Most customers, including most

individuals and small businesses, are

covered by the scheme. You can fnd

out more about the FSCS (including

amounts and eligibility to claim) by

visiting its website:

www.FSCS.org.uk

or calling:

0800 678 1100

The FSCS may arrange to transer

your policy to another insurer, providea new policy or i these are not

possible, provide compensation. FSCS

compensation covers payment up to

90% o the value o the claim per frm.

There is no upper fnancial limit on the

claim. However, the rules o the FSCS

may change, and the FSCS may take a

dierent approach on the application o

these rules to a frm, depending on the

circumstances o the ailure o that frm.

Call charges will vary. We may record and monitor calls.

7/29/2019 extra_kf

16/20


IF YOU HAVE A COMPLAINTOTHER THAN HOME

EMERGENCY AND FAMILYLEGAL PROTECTION

Please contact us quoting your policy

number or claim number.You should address your complaint to:

Legal & General Insurance

Centre City House, The Podium

5 Hill Street, Birmingham B5 4US

or telephone us on:

0370 900 3110


IF YOU HAVE A COMPLAINTIN RELATION TO FAMILY

LEGAL PROTECTION

Please contact DAS quoting your policy

number or claim number.

You should address your complaint to:Customer Relations Department

DAS Legal Expenses Insurance Company

Limited, DAS House, Quay Side,

Temple Back, Bristol BS1 6NH

or telephone them on:

0370 050 1575

IF YOU HAVE A COMPLAINT

IN RELATION TO HOMEEMERGENCY COVER

Please contact HomeServe quoting

your policy number or claim number.

You should address your complaint to:

Customer Relations

HomeServe, Cable Drive

Walsall, West Midlands WS2 7BN

or telephone them on:

0845 155 6403

IF YOU REMAIN

DISSATISFIED, YOUCAN COMPLAIN TO:

Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London E14 9SR

0300 123 9 123

complaint.info@

nancial-ombudsman.org.uk

www.nancial-ombudsman.org.uk

Making a complaint will not aect your legal rights. For urther inormation

about your legal rights, please contact your local authority TradingStandards department or Citizens Advice Bureau.

OUR COMPLAINTSPROCEDURE.

7/29/2019 extra_kf

17/20

16

PREMIUMDISCOUNTS.

HOME INSURANCE EXTRA PREMIUM DISCOUNTS

The information below shows the discounts we can offer on yourhome insurance premium.

I you have held home insurance beore,

you may qualiy or a no claims discount.

At renewal we will recalculate your

premium taking into account a range o

actors including your claims experience

and the eect this has had on any

no claims discount.

We oer reduced buildings and contents

insurance premiums i you select a

voluntary excess. You can choose an

additional 50, 100, 150, 200 or 250

voluntary excess. This would apply in

addition to the 100 policy excess or

250 excess or claims or escapeo water.

There is a minimum excess o 1,000

on claims or subsidence on buildings

insurance.

You may save money by insuring your

buildings and contents under a single

policy compared to purchasing

them separately.

NO CLAIMS DISCOUNT

VOLUNTARY EXCESS

COMBINED BUILDINGS

AND CONTENTS INSURANCE

7/29/2019 extra_kf

18/20

17 HOME INSURANCE EXTRA MINIMUM STANDARDS OF SECURITY

I Minimum standards o security applies,

we will not cover your contents or personal

possessions or thet or attempted thet

rom your home unless:

a) All easy to reach windows or openings

someone could get in through are ftted

with key operated locks. This includes all

windows, skylights and other openings

that are accessible rom ground level or

without the use o a ladder, such as rom

a balcony, porch, single storey extension

or next to a drainpipe.

b) The last door you use when leaving your

home is secured by either:

a lock certifed to British Standard

BS3621. (A lock certifed to British

Standard BS8621 is acceptable or ats

or maisonettes above ground level to

meet fre saety recommendations); or

a multi point locking system with

a minimum o three locking points.

c) External sliding doors are secured by

anti lit devices and either:

a hook lock certifed to British

Standard BS3621;

a multi point locking system with a

minimum o three locking points; or

any lock plus two internal key operated

patio door locks or key locking bolts at

the top and bottom.

MINIMUMSTANDARDS OFSECURITY.

When you insure contents, in certain circumstances (such as if your homeis in a particular area), we will add the following Minimum standards of

security endorsement (PY01) to your policy. If it applies, this endorsementwill be shown on your policy schedule that we will send you when yourcover starts.

7/29/2019 extra_kf

19/20

18HOME INSURANCE EXTRA MINIMUM STANDARDS OF SECURITY

d) External double doors are secured

as ollows:

The frst closing door is secured both

at the top and bottom with either:

key operated security bolts that

operate vertically into the door rame;

or

ush bolts mounted on the door edge

and concealed when doors

are closed.

The second closing door is secured

with either:

a lock certifed to British StandardBS3621;

a multi point locking system with a

minimum o three locking points; or

any lock plus key operated security

bolts that operate vertically into the

door rame at the top and bottom.

e) All other external doors, including doors

accessing the private dwelling rom a

garage need to be secured either:

as stated in (b); or by any lock plus internal key operated

security bolts at the top and bottom.

) Garages and outbuildings are ftted with

a key operated lock or locking system.

g) Immediately beore you go to bed all the

window and door locks and bolts ftted

to your home, other than or windows in

occupied bedrooms, are put eectively

into operation.h) Whenever your home is let unattended,

all the security devices ftted to your

home are put eectively into operation.

You should also remove all keys rom

locks and place them out o sight

whenever your home is let unoccupied.

7/29/2019 extra_kf

20/20

19

Legal & General Insurance Limited

Registered in England No. 00423930

Registered ofce: One Coleman Street, London EC2R 5AA

We are authorised and regulated by the Financial Services Authority

(FSA registration number 202050).

We are members o the Association o British Insurers.

HHF XRA Q0028203 QGI6666 H0115149 09/10 V2.0

www.legalandgeneral.com

Documents

extra_kf