Tenant Contents Insurance
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Insurance Product Information Document
It is important that you read this document carefully along with the Policy Wording provided for full details of the policy, including what you are covered for and any exclusions or limitations on the policy.
It is important that you read this document carefully along with the Insurance Product Information Document provided for full details of the policy, including what you are covered for and any exclusions or limitations on the policy.
Disclosing important information
(This applies if you are a private individual taking out the insurance wholly or mainly for purposes unrelated to your business, trade or profession) You must take reasonable care to provide complete and accurate answers to questions you are asked when you take out or make any changes to your policy.
Duty of fair presentation
(This applies if you are taking out the insurance contract in any other capacity) Under the Insurance Act 2015, you have a duty to make fair representation of the risk to us before the policy starts, when you make any amendments to your cover and when you renew your policy. This means you must:
a) Disclose all material facts which you know or ought to know (A “material fact” is information that would influence our decision as to whether to inure you and, if so, on what terms);
b) Make the disclosure in a reasonably clear and accessible way and;
c) Ensure that every material representation of fact is substantially correct and made in good faith
Full details of what constitutes “fair presentation” and the consequences of breaching this duty are given in the Policy Document.
Needs and Demands
This cover will indemnify you for damage or loss or legal liability you may incur for accidents or losses occurring in relation your tenancy whilst occupying the home detailed in your policy schedule.
Your premium will be payable to the broker or agent that you chose to purchase this policy from. Full details of the premium paid will be detailed on your policy schedule. Where you are paying monthly, the full premium will become payable in the event of a claim.
(A full list of the restrictions that apply are found in the policy wording)
Most insured events will not be covered whilst the property is unoccupied (defined in the policy as no one residing in the property for 30 consecutive days or more).
Cover excludes damage caused by pests, vermin and insects.
Cover excludes theft or malicious damage caused by persons lawfully at the premises.
Cover excludes accidental damage whilst the property is sub-let.
Excludes liability arising out of any criminal or violent acts to another person.
Excludes liability arising out of any occupation or business activity.
Excludes liability arising out of owning or using any vehicle, aircraft or boat, or any animal.
No theft cover to pedal cycles unless they have been locked to an immovable object or stolen from within a locked building.
No theft cover for jewellery or watches with a value over £2,000 unless the item is being worn or is kept in a locked safe or bank deposit.
No cover for mobile phones that are over 12 months old at the time of purchasing your first policy with us.
No cover for laptops that are over 12 months old at the time of purchasing your first policy with us.
Can I cancel my policy?
Yes. You can cancel without charge within 14 days of the start date of your policy. On the condition that no claims have been made or are pending, we will refund your premium in full, less an administration fee as per our terms and conditions. If you wish to cancel your policy after 14 days, you may do so by giving us notice in writing. may cancel the policy at any time however no refund of premium will be available.
Is there an excess fee?
Yes. There is an excess of £100 per claim. This may vary dependent upon the type of cover and will be stated in the policy wording and on your schedule of cover.
Is wear and tear covered on Tenant Liability?
No. There is no cover for any damage caused by wear and tear, damp, vermin, fungus, cleaning, altering or repairing, restoration, mechanical or electrical breakdown, loss of value.
Is deliberate or malicious damage covered?
No. Accidental damage excludes excludes claims arising from Fire, Lightning, Earthquake, Storm, Flood, Theft, Attempted Theft, Malicious Act, Subsidence, Landslip and Heave.