• As a result of the disturbing trend of criminal physical assault of people in their homes, the policy will pay up to £10,000 towards upgrading security systems following such an assault. It will also pay up to £15,000 towards essential alterations to the home if a family member is disabled through injury.
   
• New fixtures and fittings - up to £10,000 maximum - will be covered automatically provided notification is given within 21 days and the appropriate premium is paid.
   
• Contents cover operates world-wide and extends to include business contents up to £20,000, personal and business documents and deeds to £5,000, gifts to £10,000, personal effects of guests and non-resident staff to £5,000, refrigerated or frozen food spoilage plus £250 towards hiring a replacement refrigerator or freezer, lost or stolen keys
  up to £5,000 per loss, contents kept at work, in caravans, beach huts or other homes up to £7,500.
   
• Contents not usually kept in the home - £7,500 with a single article limit of £1,500.
   
• In addition, newly acquired contents and valuables are automatically covered for 60 days provided notification is given within 21 days and the appropriate premium is paid. The limit is 20% of the relevant sum insured.
   
• Also, removal by professional contractors and limited cover for commercial storage of contents and fine art and antiques
   
• The world-wide valuables section extends to include personal money up to £5,000 and £10,000 for cheque forgery or alteration. Credit cards are covered up to £25,000. If your trip is for the business conducted from home and the trip is covered by the Oak Annual Travel policy, business money and credit cards are also covered.
   
• Individually listed valuable items supported by independent valuations of less than 3 years old are covered for up to 150% of each sum insured.
   
• Property owners, personal and public liability, including voluntary work and incidental farming activities, are covered to £5,000,000, liability for domestic employees to £10,000,000 and tenants liability to £1,000,000.

Prospectus Page 4