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The Difference of Oak

	Excess waiver - in most cases the excess under the policy is waived for claims over £10,000.
	After Claims Survey - when you have suffered a claim for loss or damage and require assistance with risk management.
	Reinstatement of Personal & Business Documents up to a maximum of £5,000.
	No claims discount available at inception if you are claim free for three years or more.
	Any increase in sums insured due to a new valuation will be free of charge until renewal, subject to underwriting conditions.
	No Average Clause.
	Upgrading of Security up to a maximum of £10,000 following physical criminal assault.
	Damage caused by squirrels in a sudden, identifiable and unexpected event - most other “all risks” policies exclude vermin.

Oak’s guarantee

Each Oak High Value Home Insurance is tailored to meet the specific needs of our clients. Because this short prospectus cannot fully explain how all its benefits, terms, conditions and exclusions will apply to you, we recommend that you discuss your requirements with your insurance intermediary who will answer your questions, address your concerns and provide a copy of the policy if you would like to read it in advance. Our guarantee to you is that, if you are not entirely satisfied with your policy, you may return it to us. We will refund your premium in full as long as you do this within 15 days and you have not made a claim.

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