• Your sums insured must represent the full cost of rebuilding your home and its outbuildings as new plus the cost of professional fees, clearance costs and statutory costs. You should include
  • interior decorations, fixtures and fittings including fitted furniture, fitted appliances and climate control systems
  • swimming pools, ornamental fountains and ponds
  • hard tennis courts, terraces, patios, driveways, footpaths, walls, gates, fences and hedges
  • underground service pipes, cables, sewers, drains, domestic fuel tanks, externally fixed radio and television aerials, satellite dishes, their fittings and masts.
• If you do not own the buildings but have made improvements and decorations for which you and not the landlord are responsible, these should be insured here.

Contents

• Your sums insured must represent the current cost of replacing your contents as new. It should be made up of
  • household goods and equipment, carpeting, furnishings, business contents including office furniture and equipment, stationery, software, books, records and documents,   refrigerated, frozen and other food and drink, domestic heating oil
  • personal effects by which we mean, clothing, baggage and items worn, used or carried by you including furs; spectacles, contact lenses and hearing aids; photographic, mobile communication and computer equipment; money or credit cards; pedal cycles, saddles, tack, hand propelled watercraft, other sports equipment and specialist clothing; other similar items
  • outdoor and garden items by which we mean, items designed to be left or used outdoors including garden furniture, children’s play equipment and statues and ornaments but not fine art and antiques (see below); domestic garden maintenance equipment, motorised lawnmowers and power equipment; quad bikes but only if used exclusively for the care of gardens, horses and pets or incidental farming activities
  • golf trolleys, golf buggies, motorised and non-motorised wheelchairs
  • pedestrian controlled power driven toys and models, electrically powered sit-in toy and model vehicles.
• Please note that all fine art, antiques, designer-made items, jewellery, watches and guns should be insured as Valuables.

Valuables

• Please note that if you do not have full valuations, we will require professional valuations or purchase receipts (not more than five years old) for items of fine art and antiques insured for over £25,000 and jewellery, watches and guns insured for over £10,000.

Fine art and antiques

• Your sums insured must represent the current market value of the individual items, collections and sets which are of artistic merit, historical value, novel, rare and or unique as listed in the categories in the enclosed Proposal Form.
• We will not pay more than £15,000 for any item, pair or set which is not individually listed.

Jewellery, watches and guns

• For antique and investment jewellery and watches, your sums insured must represent the current market value of the individual items, pairs or sets and for all other items, the current cost as new.
• We will not pay more than £5,000 for any item, pair or set which is not individually listed.

Excesses

• The standard policy excess is £100 increasing to £1,000 for subsidence. There is no excess for food spoilage, lock and key replacement or liability claims. Substantial premium discounts are available if you choose to increase the policy excess. You may, however, elect to retain the excess at £100 for personal effects, money and credit card claims whilst you are travelling abroad. If a claim affects more than one part of the policy, only the highest excess will be applied. In most cases the excess is waived for claims over £10,000 (see policy for details).

Annual Travel - Optional

• Each holiday and business trip is for a maximum of 90 days and covers you and your spouse or partner up to the age of 70 plus three children under 21. Other children and adults may be added at a small additional premium.
• Various hazardous and unusual activities are specifically excluded. Please provide full details of any hazardous or unusual activities.
• Where we can provide the cover, an extra premium will be required.
• Comprehensive winter sports cover may be added for up to 17 days per trip and 31 days per year at a reasonable additional cost.
• As pets may now also travel in parts of Europe, you can extend your travel insurance to include them. They must be in good health and under 10 years of age. Cover is provided for cancellation and curtailment, overseas vets fees, kennel and cattery fees and loss of PETS and Treatment certificates.

Prospectus Page 6