PrimeLET Policy Wording - Towergate Insurance · Welcome to PrimeLET. 1. This Policy of Insurance is issued in accordance with the authorisation granted to Towergate Underwriting

www.towergate.co.ukwww.towergate.co.uk

PrimeLETPolicy Wording

PrimeLET 32pp NB109.8.DEC13.qxp:6070 PrimeLET Policy A5 03/01/2014 13:07 Page 2

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Welcome to PrimeLET

1

This Policy of Insurance is issued in accordance with the authorisation granted toTowergate Underwriting Let Property by Royal & Sun Alliance Insurance plc (Leadinsurer at 45%), Pinnacle Insurance plc (35%) and Allianz Insurance plc (20%).

We will pay for any loss, damage, injury, costs or liability described in the Policyarising from events happening during any Period of Insurance for which You havepaid and We have accepted the premium.

The proposal and declaration signed by You are incorporated into this insurancecontract.

This Policy should be read together with the Schedule and any Endorsements.

Towergate Underwriting Let PropertyThe Octagon, Middleborough. Colchester, Essex CO1 1TG

Telephone: 01206 773540Facsimile: 0844 7368 344E-mail: [email protected]

Mark HodgesChief Executive OfficerTowergate Underwriting Let PropertyOn behalf of the Insurers

Your policy is arranged by Towergate Underwriting Let Property.

Towergate Underwriting Let Property is a trading name of Towergate Underwriting Group Limited registered in England No. 4043759 At Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3ENwww.towergate.co.uk

Underwritten by: a consortium of specialist insurers. The Lead Insurers areRoyal & Sun Alliance Insurance plc No. 93792. Registered in England & Wales atSt Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL.Also underwritten by Pinnacle Insurance plc No. 1007798. Registered in England atPinnacle Insurance plc, Pinnacle House, A1 Barnet Way, Borehamwood, HertfordshireWD6 2XX and Allianz Insurance plc No 84638. Registered in England at57 Ladymead, Guildford, Surrey, GU1 1DB

Towergate Underwriting Group Limited are authorised and regulated by the FinancialConduct Authority. Royal & Sun Alliance Insurance plc, Pinnacle Insurance plc andAllianz Insurance plc are authorised by the Prudential Regulation Authority andregulated by the Financial Conduct Authority and the Prudential Regulation Authority.This can be checked on the FCA’s register by visiting the FCA’s website atwww.fsa.gov.uk/register/home.do or by contacting them on 0800 111 6768.




2

Contents

Page

Complaints Procedure 3-4

Making a Claim 4

Introduction to PrimeLET 5-6

Definitions 7-8

Section 1 – Buildings 9-16

Section 2 – Contents 17-23

General Conditions 24-26

General Exclusions 27

Endorsements 29




3

Complaints Procedure

Our objective is to provide a high standard of service to You at all times. However,We recognise that things can sometimes go wrong. When this occurs, We arecommitted to resolving matters promptly and fairly.

What happens if You complain(a) If We are unable to deal with Your complaint immediately, We will write to You

within 5 working days of receipt and inform You who is dealing with thecomplaint and when You can next expect a response.

(b) We aim to conclude Our investigations promptly. However, in somecircumstances, Our investigations may take some time, and We will keep Youfully informed. This means that We will write to You as soon as We haveconcluded Our investigation or, if We have not been able to inform You of Ourdecision within 4 weeks of receipt, We will write to You to let You know. If Weare not able to reach a decision within 8 weeks, We will write to You again,either;concluding Our investigation, or;advising You of when We expect to be able to conclude Our investigation, or;advising You of Your right to take Your complaint to the Financial Ombudsman

(c) When We conclude Your complaint We will write to You, giving You Our“Final Response”. This will tell You if We have upheld or rejected Yourcomplaint (in whole or in part), and if appropriate We will make an offer ofredress.

What You should do if You would like to complain

If You are disappointed with any aspect of the handling of Your insurance, pleasecontact;

The Complaints Officer, Towergate Underwriting Let Property. The Octagon,Middleborough, Colchester CO1 1TG. Tel: 01206 773540. Fax: 0844 7368344Email: [email protected] (marked ‘complaint’)

Please ensure your policy number is quoted in all correspondence to assist aquick and efficient response.If Your complaint requires investigation by another party, We will pass details ontothem to deal with in accordance with their complaints procedure. In this event, Wewill provide You with details of who We have passed Your complaint to.Refer Your complaint to the Financial Ombudsman Service

If, after making a complaint to Towergate Underwriting Let Property, You feel that the matter has not been resolved to Your satisfaction (or if Your complaint remainsunresolved after 8 weeks of initially telling us) You may be able to refer Yourcomplaint to the Financial Ombudsman Service, or ‘FOS’, at: Financial OmbudsmanService, South Quay Plaza, 183 Marsh Wall, London E14 9SRTel: 08450 801 800. Fax: 01422 325146. Email: www.financial-ombudsman.org.uk

The FOS is an independent body that arbitrates on complaints after We have providedYou with written confirmation that Our internal complaints procedure has beenexhausted if You are:

• a consumer i.e. an individual buying insurance in a private capacity or;• a micro enterprise, (i.e. an enterprise which employs fewer than 10 persons and

has a turnover or annual balance sheet that does not exceed €2 million. In thisdefinition, “enterprise” means any person engaged in an economic activity,irrespective of legal form and includes, in particular, self-employed persons andfamily businesses engaged in craft or other activities, and partnerships orassociations regularly engaged in an economic activity) or;




4

Making a Claim

(See Sections 1 and 2 for the claims procedures applicable)

To register a claim please phone Towergate Underwriting Let Property on01206 773540 between 9am and 5.30pm Monday to Friday.

You should ask Towergate Underwriting Let Property for a claim form and provide asmuch information as possible to help Us deal with Your claim quickly and fairly.

If You need to ask any questions during Your claim please call TowergateUnderwriting Let Property on 01206 773540 and Our claims advisors will be happy todeal with Your enquiry.

• a charity with an annual income of less than £1m, or; • the trustee of a trust with a net assets value of less than £1m.

Please note that You have 6 months from the date of Our final response in which torefer Your complaint to the FOS. Referral to the FOS will not affect Your right to takelegal action against Us. The FOS can only consider Your complaint if You havealready given Us the opportunity to resolve it.

Compensation

Royal & Sun Alliance Insurance plc, Pinnacle Insurance plc and Allianz Insurance plc are all members of the Financial Services Compensation Scheme (FSCS). This providescompensation in case any member goes out of business or into liquidation and isunable to meet any valid claims against its policies. You may be entitled tocompensation from the scheme depending on the circumstances of the claim.

Further information about the compensation scheme can be obtained from the FSCS.

Full details available at www.fsc.org.uk




Please read this Policy booklet together with Your Schedule. These set out the coverYou have chosen, plus any limits that apply. You should return the Schedule toTowergate Underwriting Let Property immediately if any details are incorrect or if itdoes not provide the cover You need. If You decide that You do not want to acceptthis Policy, please return it within 14 days of receiving it. As long as You have notmade a claim, We will refund Your premium.

The contract of insurance

This Policy is a contract between You and Us, Royal & Sun Alliance Insurance plc,Pinnacle Insurance plc and Allianz Insurance plc, and is based on the informationYou gave Towergate Underwriting Let Property when You applied for this insurance.In return for Your premium, We will provide the cover shown in the Scheduleduring the Period of insurance.

The law that applies to the contract

Under the laws of the United Kingdom (England, Scotland, Wales and NorthernIreland) both You and We may choose the law which applies to this contract, to theextent permitted by those laws. Unless You and We agree otherwise, We haveagreed with You that the law which applies to this contract is the law which appliesto the part of the United Kingdom in which You live, or, if You live in the ChannelIslands or the Isle of Man, the law of whichever of those two places in which Youlive.

We and You have agreed that any legal proceedings between You and Us inconnection with this contract will only take place in the courts of the part of theUnited Kingdom in which You live, or, if You live in either the Channel Islands or theIsle of Man, the courts of whichever of those two places in which You live.

Changes in your circumstances

Please tell Towergate Underwriting Let Property within 30 days or as soon as Youknow about any changes in Your circumstances which may affect this insurance.

For example:• the people to be insured• change of address• change in type of tenant• the Sums Insured are not adequate• Your Property is to be left unoccupied for more than 30 consecutive days

Any change in circumstances may result in revised terms and conditions of this Policyfrom the date of the change. If You do not tell Us about any change, it may affectany claim You make.

What cover is included

The Policy is divided into a number of sections and each section tells You what Wewill or will not pay for. To find which sections are in force You should check YourSchedule which is enclosed with the Policy.Your Schedule also tells You how much You are insured for.

5

Introduction to your PrimeLET Insurance Policy




6

How much to insure for?

It is Your responsibility to make sure that the amount You insure for represents thefull value of the property concerned.

For Buildings, this means the full cost of rebuilding Your property including anyoutbuildings, plus an amount for any extra charges that could be involved inrebuilding such as demolition costs, architects’ and surveyors’ fees and complyingwith the requirements of local authorities.

For Contents this means the full cost of replacing all the property at today’s prices(apart from household linen, where You may make a deduction for wear and tearand loss in value).

It’s important that You insure for the full amount as the ‘Sums Insured’ are themaximum that We will pay in the event of a claim.

Policy Limitations

This Policy is subject to certain Conditions and Exclusions as shown on pages 24-28and limitations contained in the ‘What is not Covered’ and ‘Settlement of Claims’elements of Sections 1 and 2.

Index Linking

The Buildings Sums Insured in Your Schedule will be adjusted monthly and updatedeach year at the renewal date in line with any increase in the level of the HouseRebuilding Cost Index (prepared by the Royal Institute of Chartered Surveyors) or anysuitable alternative index We choose.

The new Sums Insured and renewal premium will be shown on Your renewal notice.However, We will not reduce Sums Insured if an index value reduces, unless You askUs to do so. Index linking the Buildings Sum Insured will continue duringreplacement or repair following loss or damage, as long as replacement or repair iscarried out without unnecessary delay.




7

Wherever the following words or phrases appear in this Policy, they will beshown in bold and have the following meanings:

Accidental Damage

Damage caused suddenly and unexpectedly by an outside force.

British Isles

The United Kingdom, Channel Islands and Isle of Man.

Buildings

The Property and it’s permanent fixture and fittings, swimming pools, ornamentalponds and fountains, hard courts, terraces, patios, drives, footpaths, walls, fences,gates, hedges contained within the boundaries of the Land.

These must all be at the address shown in the schedule.

Contents

Household goods and furnishings contained in the Property that You own or areresponsible for.

The term Contents does not include:

• any permanent fixture and fittings of Your Property,

• any part of the structure of Your Property including ceilings, wallpaper and the like,

• property held in connection with Your trade, profession, business oroccupation other than the letting of the Property specified in the Schedule,

• Personal Money,

• Credit Cards,

• property insured by any other insurance Policy,

• securities (stocks and shares) and documents of any kind,

• any living creature,

• Motorised Vehicles, aircraft, boats, boards and craft designed to be used onor in water, caravans and trailers, and the parts, spares and accessories of anyof these,

• Valuables, personal effects and clothing.

Credit Cards

Bank, charge, cheque, credit, debit and cash dispenser cards.

Endorsements

Any variation or addition to the terms of the Policy

Definitions




8

Excess

The first part of any claim which You must pay. The Excess applies separately toeach individual Property detailed in the Schedule.

Land

The Land belonging to the Property.

Motorised vehicle

Any electrically or mechanically powered vehicle.

Period of insurance

The period of time the insurance is provided for under this Policy, as set out in theSchedule, and any other period the Policy is renewed for.

Property

The house, flat or maisonette and its domestic outbuildings and garages, at theaddress shown in the Schedule.

Personal money

Cash, cheques, postal orders, unused postage stamps, savings stamps and certificates,premium bonds, luncheon and gift vouchers, season tickets, travel tickets, travellers’cheques and phone cards.

Schedule

This is part of the Policy. It shows Your details, details of the property insured, thePeriod of insurance, and the sections of the Policy which apply.

Unoccupied

(a) Insufficiently furnished for normal occupation, or

(b) Furnished for normal occupation but has not been lived in for more than 30 consecutive days.

Valuables

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

We, Our, Us

Royal & Sun Alliance Insurance plc (Lead Insurer), Pinnacle Insurance plc andAllianz Insurance plc as insurers and Towergate Underwriting Let Property asadministrators of Your Policy.

You, Your

The person (or people) named as the Policyholder in the Schedule.




BuildingsSection 1

9

What is Not Covered

The amount of any Excess shown inYour Schedule.Any amount over that shown asYour Sum Insured in YourSchedule.

2. Loss or damage that happensgradually.

4. Loss or damage caused bypersons (other than the tenant)lawfully in the Property.Loss or damage caused whilethe Property is Unoccupied.

5. Loss or damage caused byfreezing.Loss or damage to fences, gatesand hedges.

What is Covered

A. Loss of or damage to theBuildings caused by any of thefollowing:

1. Fire, explosion, lightning,earthquake

2. Smoke

3. Riot, civil unrest, strikes, andlabour or political disturbances

4. Malicious acts

5. Storm or flood

This section applies only if it is shown in the Schedule




10

What is Not Covered

6. Loss or damage caused while theProperty is Unoccupied.Damage to the installation orappliance itself.Loss or damage to solid floorscaused by infill materials settling,swelling or shrinking as a result ofwater escaping in the Property.Subsidence, heave or landslipcaused by water escaping fromthe Property.

7. Loss or damage occurring whilethe Property is Unoccupied.Loss or damage contributed to, orcaused by You or Your family orany person other than the tenantlawfully in the Property.

8. Loss or damage caused bydomestic pets.

9. Damage to hedges, gates andfences. Damage caused by thefelling or lopping of trees.

10. Damage to the receiving aerial,fittings or mast itself.

11. Damage to swimming pools,ornamental ponds and fountains,greenhouses, hard courts,terraces, patios, drives, footpaths,walls, gates, fences, hedges, orfixed tanks providing fuel to theProperty unless the Property isdamaged by the same cause atthe same time.Loss or damage caused by thefoundations settling, shrinking or expanding.Loss or damage caused by madeup ground settling or newstructures bedding down.

What is Covered

6. Escape of water or oil from anyfixed water or heatinginstallation, or from anydomestic appliance.

7. Theft or attempted theft

8. Collision involving aircraft, otherflying objects, or anything fallingfrom them; or vehicles, trains or animals.

9. Falling trees or branches, lampposts or telegraph poles.

10. Falling radio and televisionaerials and dishes, and theirfittings and masts

11. Subsidence or heave of the Land that the Buildings standon, or landslip.




11

What is Not Covered

Loss or damage caused by coastalor river erosion.Loss or damage to or resultingfrom movement of solid floor slabsunless the foundations beneaththe external walls of YourProperty are damaged by thesame cause at the same time.Loss or damage caused by faultydesign or inadequate foundationswhich do not meet buildingregulations current at the time of construction.Loss or damage caused bydemolition, structural changes,structural repairs, groundwork,excavation, faulty workmanship orusing faulty materials.Reduction in market valuefollowing repair.Loss or damage which originatedbefore this Policy came into force.

12. Maintenance and normalredecoration costs.Damage caused while theProperty is Unoccupied.Damage which is specificallyexcluded elsewhere in Section 1.Damage caused by:• Wear and tear, settlement,

shrinkage, depreciation, wet or dry rot, fungus, damp,beetles, moths, insects,vermin, infestation, rust,mildew, atmospheric orclimatic conditions, the effectof light or other gradually operating cause;

• faulty materials, design orworkmanship;

• chewing, scratching, tearingor fouling by domestic pets;

• Building renovations,alterations, extensions or repairs

What is Covered

12. Accidental Damage

This extension to cover appliesonly if it is shown in theSchedule.

All other Accidental Damageto the buildings.




12

Additional Cover under this section

What is Not Covered

The amount of any Excess shown inYour Schedule.

B. Loss or damage occurring whilethe Property is Unoccupied.

C. Damage caused when theProperty is Unoccupied.

D. Damage caused whilst clearingor attempting to clear ablockage.(a) Damage due to a fault or

limit of design, manufacture,construction or installation.

(b) Damage by gradualdeterioration which hascaused an installation toreach the end of itsserviceable life

E. (a) Fees charged for preparingany claim under this Policy.

What is Covered

B. Damage to plumbinginstallations by freezingDamage to interior fixeddomestic heating or waterinstallations caused by freezing.

C. Fixed glass and sanitaryfittingsThe accidental breaking of fixedglass, ceramic hobs and sanitaryfittings, which form part of theBuildings (including glass insolar-panel units, fixed baths,shower trays, shower screens,bidets, wash basins,splashbacks, pedestals, sinks,toilet pans and cisterns).

D. Damage to undergroundservicesAccidental breakage of drainsand pipes and accidentaldamage to cables andunderground tanks which areused to provide services to orfrom the Buildings.

E. Additional CostsIf We accept a claim underSection 1A We will also pay forthe following:(a) Architects’ and surveyors’

fees necessary for restoringthe Buildings.

The amounts We pay for thesefees must not be higher thanthat authorised by the relevantprofessional institute.




13

What is Not Covered

(c) Any cost You are legallyresponsible for payingbecause of a notice servedon You before the date ofthe loss or damage.

What is Covered

(b) The necessary cost ofremoving debris anddemolishing or supportingthe damaged part of theBuildings, which We haveagreed to pay.

(c) The cost of meeting Buildingregulations or municipal orlocal authority by-laws.

F. Loss of Rent and the cost ofAlternative AccommodationIf the Property is damaged byany cause listed under Section1A and, as a result, it cannot belived in, We will pay: (a) for Your loss of rent; and(b) any reasonable extra

accommodation expenses;until the Property is ready to belived in.We will not pay more than 20%of the Buildings Sum Insured,for any one incident.

G. Contracting PurchaserIf You enter into a contract tosell any Building insured by thisPolicy, and the Building isdestroyed or damaged beforethe sale has been completed,the buyers will be entitled toany benefit from this insurance(for the damage or destruction)once the sale has beencompleted. This does not applyif other insurance has beenarranged by or for the buyer.




14

What is Not Covered

K. Liability arising from:• accidental death, bodily injury,

illness or disease to You orYour family;

• loss of or damage to propertywhich You or Your familyown or are responsible for;

• any trade, business orprofession of You or Yourfamily other than the letting ofthe Buildings;

What is Covered

H Replacement BuildingsIf You buy a new Property,Your existing Buildings will beinsured free of charge until thedate of completion or for 3months, whichever is the earlier.This extension will operate fromthe time We agree to insure theBuildings of Your newProperty.

I. Emergency AccessDamage to the Property causedby forced access to deal with amedical emergency or to preventdamage to the Property.We will not pay more than£1,000 for any one incident.

J. Tracing and Access of LeaksIf the Buildings are damageddue to water escaping fromwater tanks, pipes, equipmentor fixed heating systems in theProperty, We will pay thereasonable cost of removing andreplacing any other part of theBuildings necessary to find andrepair the source of the leak andmaking good. We will not paymore than £1,000 for any oneincident.

K Property Owners LiabilityYour legal liability as owner ofthe Buildings to pay damagesand claimants’ costs andexpenses for:• accidental death, bodily injury,

illness or disease; or• accidental loss of or damage

to property; happening duringthe Period of Insurance andarising:




15

What is Not Covered

• the ownership or use of anyMotorised Vehicle;

• any agreement or contractunless liability would haveapplied anyway;

• the passing on of anycontagious disease or virus.

• under (b), if it is covered byany other insurance.

What is Covered

(a) from You owning the Buildingsor

(b) under Section 3 of the DefectivePremises Act 1972 or theDefective Premises (NorthernIreland) Order 1975 for anyProperty You own and occupyor lease and occupy.If the Buildings section of thisPolicy is cancelled or ends, thisDefective Premises Act cover willcontinue for seven years for anyProperty insured by this sectionbefore the Policy was cancelledor ended.We will not pay more than£2,000,000 for any one incident(other than accidental death,bodily injury, illness or disease toany domestic employee wherethe amount is £10,000,000).We will also pay all Your costsand expenses that We havealready agreed to in writing.




16

Sum Insured Condition

At all times, the Sum Insured must be adequate to cover the full cost of rebuildingthe Buildings to the same specification, including an amount for demolition costsand architects’ and surveyors’ fees.

If at the time of a loss Your Sum Insured is too low, We will not settle claims on an‘as new’ basis and will reduce any payment to reflect wear and tear.

Settling Buildings claims

We can choose to settle Your claim by replacing, reinstating, repairing or bypayment. If We are able to replace property, payment will be limited to the cost ofreplacement by Our preferred supplier.

What we will pay

The most We will pay under paragraphs A-E, G, H and L for loss or damage arisingout of one incident is the Buildings Sum Insured shown in the Schedule.

We will not pay for any reduction in the market value of the Property after thedamaged parts of the Property have been replaced, reinstated or repaired.

We will not reduce the Sum (or Sums) Insured by the amount paid under any claim.

Pairs, sets and suites

We will not pay for the cost of replacing or changing any undamaged items whichform part of:

• a set;• a suite; or• any other item of a uniform nature, design or colour;

when damage happens to a specific part or within a clearly identifiable areaand replacements cannot be matched.

Settlement of Claims




ContentsSection 2

17

This section applies only if it is shown in the Schedule

What is Not Covered

The amount of any Excess shown inYour schedule.

Any amount over that shown asYour Sum Insured in Your Schedule.

2. Loss or damage that happensgradually.

4. Loss or damage caused bypersons (other than the tenant)lawfully in the Property.Loss or damage caused whilethe Property is Unoccupied

6. Loss or damage caused whilethe Property is Unoccupied.Damage to the installation orappliance itself.

What is Covered

A. Loss of or damage to theContents in the Propertycaused by any of the following:

1. Fire, explosion, lightning,earthquake

2. Smoke

3. Riot, civil unrest, strikes, andlabour or political disturbances

4. Malicious acts

5. Storm or flood

6. Escape of water or oil from anyfixed water or heatinginstallation, or from anydomestic appliance.




18

What is Not Covered

7. Loss or damage occurring whilethe Property is Unoccupied.Loss or damage contributed to,or caused by You or Your familyor any person other than thetenant lawfully in the Property.Loss by deception unlessdeception is only used to gainentry to the Property.Loss or damage occurring wherethe Building is a self-containedflat and the theft or attemptedtheft is from any part of thebuilding that other people haveaccess to. We will not pay morethan £2,500 for any oneincident of theft fromoutbuildings (other thangarages).

8. Loss or damage caused bydomestic pets.

10. Damage to the receiving aerial,fittings or mast itself.

11. Loss or damage caused by thefoundations settling, shrinkingor expanding.Loss or damage caused by madeup ground settling or newstructures bedding down.Loss or damage caused bycoastal or river erosion.Loss or damage to or resultingfrom movement of solid floorslabs unless the foundationsbeneath the external walls ofYour Property are damaged by the same cause at the same time.

What is Covered

7. Theft or attempted theft

8. Collision involving aircraft, otherflying objects, or anything fallingfrom them; or vehicles, trains oranimals.

9. Falling trees or branches, lampposts or telegraph poles.

10. Falling radio and televisionaerials and dishes, and theirfittings and masts

11. Subsidence or heave of theLand that the Buildings standon, or landslip.




19

What is Not Covered

Loss or damage caused by faultydesign or inadequatefoundations which do not meetbuilding regulations current atthe time of construction.Loss or damage caused bydemolition, structural changes,structural repairs, groundwork,excavation, faulty workmanshipor using faulty materials.

12. Damage caused while theProperty is Unoccupied.Damage which is specificallyexcluded elsewhere in Section 2.Damage to food in freezers,clothing, sports equipment,contact lenses, stamps andpedal cycles.

Loss in value.Indirect loss.Damage caused by:• wear and tear, depreciation,

wet or dry rot, fungus, damp,beetles, moths, insects,vermin, infestation, rust,mildew, atmospheric orclimatic conditions, the effectof light or other graduallyoperating cause;

• chewing, scratching, tearingor fouling by domesticanimals;

• any process of dyeing,cleaning, alteration, washing,repairing, renovation orrestoration.

• electrical or mechanicalbreakdown.

Damage to glass, china orporcelain for any amount inexcess of £500.

What is Covered

12. Accidental DamageThis extension to cover appliesonly if it is shown in theSchedule.

All other Accidental Damageto the Contents while in theProperty.




20

Additional Cover under this section

What is Not Covered

The amount of any Excess shown inYour schedule.

B. Damage caused while theProperty is Unoccupied.

C. Damage caused while theProperty is Unoccupied.Electrical or mechanicalbreakdown.Computers or computerequipment designed to beportable.Video cameras, mobile phones,pagers, computer software,games, recording tapes, discs orrecords.Loss in value.Damage caused by:• chewing, scratching, tearing

or fouling by domesticanimals;

• wear and tear;• the process of cleaning,

washing, repairing or restoringany item;

• failure to use in line with themanufacturer’s instructions; or

• anything that happensgradually.

What is Covered

B. Glass and Mirrors AccidentalDamage to mirrors, glass topsand fixed glass in furniture,cookers and ceramic hobs in theProperty.

C. Accidental Damage to audio,video and computerequipment AccidentalDamage to:(a) radios, televisions, video

players and recorders, homecomputers, recording andaudio equipment in theProperty; or

(b) receiving aerials, dishes and CCTV (closed-circuittelevision) cameras fixed to the Property.




21

What is Not Covered

D. Loss or damage to china, glass,earthenware and brittle itemsunless they have been packedby a professional packer.Loss or damage caused byscratching, denting or bruising.Loss or damage insured underanother Policy.

What is Covered

D. Household RemovalsLoss of or damage to Contentswhile being moved byprofessional furniture removersfrom the Property to anotheraddress (including temporarystorage in a furniture depositoryfor up to 7 consecutive days) inthe British Isles.

E. Loss of Rent and the cost ofAlternative AccommodationIf the house or flat is damagedby any cause listed underSection 2A and, as a result, itcannot be lived in, We will pay:(a) for Your loss of rent; or(b) any reasonable extra

accommodation expenses;until the Property is ready tobe lived in.

We will not pay more than 20%of the Contents Sum Insuredfor any one incident.

F. Replacement LocksFollowing the accidental loss ortheft of keys, We will pay forthe cost of replacement locks,lock mechanisms, keys, and keyswitches to: (a) external doors and windows

of the Property; or(b) intruder alarm systems or

domestic safes fitted in theProperty;

We will not pay more than£500 for any one incident.




22

What is Not Covered

G. Loss or damage caused whilethe Property is Unoccupied.

H. Loss or damage caused whilethe Property is Unoccupied.Loss of or damage to pedalcycles.

What is Covered

G. Fuel and metered waterWe will cover the accidental lossof domestic heating fuel ormetered water for which Youare responsible.We will not pay more than£1,000 for any one incident.

H. Contents in the openWe will cover loss of or damageto Contents by any of thecauses listed under Section 2Ahappening in the open on Landbelonging to the Property.We will not pay more than£250 for any one incident.

I. Emergency accessWe will pay for damage toContents following necessaryaccess to the Property to dealwith a medical emergency or toprevent damage to theProperty.We will not pay more than£1,000 for any one incident.




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Sum Insured Condition

At all times, the Sum Insured must be adequate to cover the full cost of replacingYour Contents ‘as new’ (apart from household linen, where you may make adeduction for wear and tear and loss in value).

If at the time of a loss Your Sum Insured is too low, We will not settle claims on an‘as new’ basis and will reduce any payment to reflect wear and tear.

Settling Contents claims

We can choose to settle Your claim by replacing, reinstating, repairing or bypayment. If We are able to replace property, payment will be limited to the cost ofreplacement by Our preferred supplier.

A deduction for wear and tear will apply for:

• household linen; and

• property that does not belong to You, unless You are legally responsible forthe cost of replacement as new under the terms of an agreement.

What we will pay

The most We will pay under paragraphs A to D for loss or damage arising out of oneincident is the Contents Sum Insured shown in the Schedule.

We will not reduce the Sum (or Sums) Insured by the amount paid under any claim.

Pairs, sets and suites

We will not pay for the cost of replacing or changing any undamaged items whichform part of:

• a set;

• a suite; or

• any other item of a uniform nature, design or colour, including carpets; (when damage happens to a specific part or within a clearly identifiable areaand replacements cannot be matched).

Settlement of Claims




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These Conditions apply to all sections of the Policy.

1. Your duty to prevent loss or damage

(a) You and any other person this insurance applies to must take all reasonableprecautions to prevent accidents, loss or damage.

(b) All property insured by this Policy must be maintained in good condition.

2. Your Policy

Your Policy includes:

• Your Schedule;

• the relevant sections of this booklet;

• any extra Policy sections shown in Your Schedule; and

• any Endorsements which apply to Your cover.

3. Claims

Your duties:

As soon as You are aware of an incident or cause which is likely to lead to a claimunder this Policy, You must:

(a) tell the police immediately about any property which has been lost, stolen ormaliciously damaged, and get a crime reference number;

(b) contact Towergate Underwriting Let Property as soon as reasonably possibleand provide all the information and help We need;

(c) do all You reasonably can to get back any lost or stolen property and tellTowergate Underwriting Let Property without unnecessary delay if anyproperty is then returned to You;

General Conditions




25

(d) send Towergate Underwriting Let Property all correspondence,legal documents or any other document unanswered; and

(e) avoid discussing liability with anyone else without Our permission.

Proof of value and ownership

To help You prove any loss, We recommend that You keep receipts, valuations,photographs, instruction booklets and guarantee cards to help with Your claim.

Our rights

(a) We may:

• take over and defend or settle any claim in Your name; or

• prosecute (in Your name for Our own benefit) any claim for indemnity ordamages or otherwise.

(b) We have the right to do as We see fit in legal action and in settling Your claim.

Limit

For any claim or series of claims involving legal liability covered by this Policy, We may pay:

(a) up to the limit shown in the Policy (less any amounts already paid ascompensation), or

(b) any lower amount for which We can settle Your claim.

Once We have made the payment, We will have no further liability in connectionwith Your claim, apart from paying costs and expenses You incurred before thepayment date.

4. Fraud

If Your claim is in any way dishonest or exaggerated We will not pay any benefitunder this Policy or return any premium to you. We may also tell the police.

5. Other insurance

If there is any other insurance covering the same claim, we will only pay our share ofthe claim, even if the other insurer refuses the claim.

6. Monthly premiums

If You pay Your premium by direct debit and there is any default in payment We maycancel the Policy by giving notice in accordance with Condition 7 – Cancelling thisPolicy. However, no refund or credit of premium will be due when cancellation takesplace in these circumstances.

Where a claim has been made during the current Period of Insurance the fullannual premium will be payable despite cancellation of cover and we reserve the rightto deduct this from any claim payment. In any event a due proportion of the premiumand administration charge shall be payable for the period of cover provided.




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7. Cancelling this policy

(a) You have the right to cancel Your policy during a period of 14 days after thelater of the day of purchase of the contract or the day on which You receiveYour policy documentation.If You wish to do so and the insurance cover has already commenced,whether within the first 14 days or not, You will be entitled to a refund of thepremium paid subject to a deduction for the time for which You have beencovered. This will be calculated on a pro-rata basis for the period in whichYou received cover and will include an additional charge to cover theadministrative cost of providing the policy.

(b) Should You cancel the policy after the 14 days, We will work out thepremium for the period We have been insuring You, based on proportionaterates, and refund any balance. However, We will charge You at least twomonths’ premium.

(c) We may cancel this Policy by sending 14 days’ notice by recorded delivery toYour last known address. As long as You have not made a claim during thecurrent Period of Insurance, You will be entitled to a return of Yourpremium relating to the remaining part of the Period of Insurance You havepaid the premium for.

8. Your duty to keep to the conditions of this Policy.

To be covered by this insurance, You must keep to the terms and conditions of thisPolicy.

9. Arbitration

If We have accepted Your claim but disagree with the amount We should pay, anarbitrator will decide the matter. You and We must agree on an arbitrator in linewith the law at the time. You must wait for the arbitrator’s decision before You cantake any legal action against Us.

10. Governing Law

Under the laws of the United Kingdom (England, Scotland, Wales and NorthernIreland) both You and We may choose the law which applies to this contract, to theextent permitted by those laws. Unless You and We agree otherwise, We haveagreed with You that the law which applies to this contract is the law which appliesto the part of the United Kingdom in which You live, or, if You live in the ChannelIslands or the Isle of Man, the law of whichever of those two places in which Youlive.

We and You have agreed that any legal proceedings between You and Us inconnection with this contract will only take place in the courts of the part of theUnited Kingdom in which You live, or, if You live in either the Channel Islands or theIsle of Man, the courts of whichever of those two places in which You live.




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This Policy does not cover any loss, damage, liability or injury directly orindirectly caused by or contributed to or arising from:

1. War

Any consequence whatsoever resulting directly or indirectly from or in connectionwith any of the following regardless of any other contributing cause or event:

war, invasion, act of foreign enemy hostilities or a warlike operation or operations(whether war be declared or not) civil war, rebellion, revolution, insurrection, civilcommotion assuming the proportions of or amounting to an uprising, military orusurped power.

2. Terrorism

Harm or damage to life or to property (or the threat of such harm or damage) bynuclear and/or chemical and/or biological and/or radiological means resulting directlyor indirectly from or in connection with terrorism regardless of any other contributingcause or event.

Terrorism is defined as any act or acts including but not limited to

(a) the use or threat of force and/or violence and/or

(b) harm or damage to life or to property (or the threat of such harm or damage)including but not limited to harm or damage by nuclear and/or chemicaland/or biological and/or radiological means caused or occasioned by anyperson(s) or group(s) of persons or so claimed in whole or in part for politicalreligious ideological or similar purposes.

General Exclusions




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3. Any action taken in controlling preventing suppressing or in any way relating to 1 or 2 above.

4. Radioactivity

Loss, damage or liability which involves:

(a) ionising, radiation or radioactive contamination from nuclear fuel or nuclearwaste; or

(b) the radioactive, toxic, explosive or other dangerous properties of explosivenuclear equipment.

5. Sonic bangs

Loss of or damage to property caused by pressure waves from aircraft travelling at orabove the speed of sound.

6. Loss in Value Loss in value of any property following it’s repair or replacement.

7. Pollution or contamination

Loss, damage or liability arising from pollution or contamination unless caused by:

(a) a sudden and unexpected accident which can be identified; or

(b) oil leaking from a domestic oil installation at the Property

8. Any loss, damage or liability arising from any computer hardware or software orother electrical equipment not being able to recognise or process a date as a truecalendar date.

9. Illegal Activities Exclusion

It is hereby noted and agreed that We will not pay for any loss or damage caused asa result of the property being used for illegal activities.




Endorsements

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Your Schedule tells you which Endorsements apply.The following Endorsements relate to aspects which arefundamental to this Policy. You must comply with the conditions inevery respect and at all times. If You do not comply a claim paymentmay not be made in the event of loss or damage to Your property.

20. Restricted Theft

Section 2 – Contents A 7 excludes loss or damage unless the theft involves forcibleentry to or exit from the Property.

Inventory ClauseIt is a condition of Section 2 – Contents that You keep an up to date inventoryof the Contents in the Property and it’s state of repair.

Change of TenancyIt is a condition of this Policy that You notify Towergate Underwriting LetProperty if tenancy changes from professional let to DSS or student let or vice-versa, or property becomes professionally managed, as soon as is reasonablypossible.

21. Malicious Damage Exclusion

Section 1 – Building A 4 and Section 2 – Contents A 4 excludes loss or damage bypersons to whom the Property has been lent, licensed, let or sub-let.

26. Minimum Security Warranty

It is a condition of your Policy that the following minimum security must be in effectfor theft cover to be operative:

(a) Main entrance/exit door is secured by a five lever mortice deadlock or goodquality deadlocking cylinder lock (not a night latch).

(b) Patio sliding doors each secured by a key operated multi-point locking systemor key operated locking device at the top and bottom of the opening door inaddition to the manufacturer’s lock.

(c) Other doors are secured by mortice rack bolts or other similar locks near thetop and bottom of each door.

(d) Key operated window locks fitted to all ground floor and accessible windows.




Towergate Underwriting Let Property is a trading name ofTowergate Underwriting Group LimitedThe Octagon, Middleborough, Colchester, Essex CO1 1TGTel: 01206 773540 Fax: 0844 7368 344Email: [email protected] www.towergate.co.ukRegistered in England No 4043759 atTowergate House, Eclipse Park,Sittingbourne Road, Maidstone, Kent ME14 3ENAuthorised and regulated by the Financial Conduct Authority

GENSF/NB109.8.DEC13




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PrimeLET Policy Wording - Towergate Insurance · Welcome to PrimeLET. 1. This Policy of Insurance is issued in accordance with the authorisation granted to Towergate Underwriting