INK10120 OFT AJG FHI-PW · printers, fax machines and modems, photocopiers and typewriters, WOVUL LX\PWTLU[ in the OVTL which belongs to `V\ or for which `V\ are legally responsible

$Page 1: INK10120 OFT AJG FHI-PW · printers, fax machines and modems, photocopiers and typewriters, WOVUL LX\PWTLU[ in the OVTL which belongs to `V\ or for which `V\ are legally responsible$
HomeInsurance

Always with your interest at heart

Policy Wording24 hour claim noti cation line

0345 000 5001

Administered by Arthur J. Gallagher (UK)

INK10120 OFT AJG FHI-PW_INK10120 OFT AJG FHI-PW 23/02/2014 13:24 Page 2

3

contents Page

Introduction 4

Important information about your policy 4

5

8

10

How to make a claim 12

13

Section 1 – 14

– 17

– 18

– 19

Section 2 – 20

– 24

– 26

– 27

Section 3 – V rom the home) 28

– V 29

Section 4 – Fr 30

Section 5 – Money and Credit Car 30

Section 6 – 31

32

32

Important information 33


4

introductionThank you for selecting Furness Home Insurance to protect your property. This comprehensive insurance policy is offered from a panel of insurers.

This booklet includes the following important information:

you need to do if your home and/or contents are damaged and you wish to make a claim.

important information about your policy

This booklet, the statement of fact, schedule and any endorsements is based upon the information youprovided at the time you requested a quotation and should be read as if they are one document.

All documents and communications will be received in the English language.

Please read all your documents carefully now and ensure that the cover is in accordance with your requirements. It is important that:

you are clear which sections youyouyou understand your duties under each section and under the insurance as a whole.

You are insured for those sections shown on the schedule as being included during any period ofinsurance for which you have paid and the insurer has accepted a premium. If you are in any doubt about

youServices immediately on the telephone number shown on your schedule.

It is your responsibility to regularly review your cover and inform Customer Services of any changes you want to make.

5

definitionsWhere the following words appear in bold in this insurance contract they will have the meanings shown below.

Accidental Damage Sudden, unexpected and visible damage which is not inevitable and has not been caused on purpose.

Bodily Injury Includes death or disease.

Buildings The home and its decorations including: res an attached to the home,

greenhouses, tennis courts, swimming pools, drives, paths, patios and terraces, walls, gates and fences and fuel tanks,

which you own or for which you are legally responsible within the premises named in the schedule.

Contents Household goods, valuables and personal belongings, within the home, which are your property or which you are legally responsible for.

Contents include:tenant’s ures an , radio and television aerials, satellite dishes, their s and masts which are attached to the home, Contents that are within the premises shown in the schedule but not contained within the home or outbuildings at the time of loss or damage up to £500 in total (other than radio and television aerials, satellites, dishes, their ngs and mast which are attached to the home), deeds and registered bonds and other personal documents up to £1,500 in total, stamps or coins forming part of a collection up to £1,000 in total, gold, silver, gold and silver plated articles, jewellery and furs up to £7,000 in total, with the limit for any one item being £2,500 within the home, domestic oil tanks up to £750 in total, pedal cycles up to £500 per pedal cycle within the home, o ce equipment up to £5,000 in total, money and credit cards up to £500 in total.

Contents does not include: motor vehicles (other than garden machinery), caravans, trailers or watercraft or their accessories, any living creature, any part of the buildings, any property held or used for business purposes other than as ned under of t, any property insured under any other insurance, landlord’s res and s.

Credit Cards Includes charge cards, debit cards, bankers cards and cash dispenser cards.

Endorsement A change in the terms and conditions of this insurance.

Excess The amount stated in this booklet or in the schedule and payable by you in the event of a claim.

Heave Upward movement of the ground beneath the buildings as a result of the soilexpanding.

6

definitions (continued)

Where the following words appear in bold in this insurance contract they will have the meanings shown below.


Money current legal tender, postal and money orders, postage stamps not forming part of a stamp collection,

premium bonds, luncheon vouchers and gift tokens,

all held for private or domestic purposes.

Computers and used in conjunction with business at the .

includes: furniture,

computers (including keyboards and monitors), printers,

fax machines and modems, photocopiers and typewriters,

in the which belongs to or for which are legally responsible.

does not include: property mor red by any other insurance, compensation for

following loss or damage, loss of magnetism or corruption of data,

repossessed, the cost of reconstituting any lost or damaged data, loss or damage to computer software, software tapes/disks/cd roms, and any data stored,

any held for business purposes, any amount over £1,000 in respect of stock.

The duration of this policy as shown in the .

Downward movement of sloping ground.

The private dwelling and the garages and outbuildings (including sheds) used for domestic purposes at the premises shown in the d e, which yo are legally responsible for.


7

definitions (continued)


Sanitary Ware Washbasins, sinks, bidets, lavatory pans and cisterns, shower trays, shower eht nihtiw slenap htab dna shtab ,sneercs home.

Schedule The schedule is part of this insurance contract and contains details of you and us, eht ,derusni smus eht ,sesimerp eht period of insurance and the Sections of this

.ylppa hcihw ecnarusni

Society Furness Building Society.

Standard Construction The buildings which are constructed of brick, stone or concrete and with a tile or slate roof.

Terrorism Any act(s) of any person(s) or organisation(s) involving: the causing, occasioning or threatening of harm of whatever nature and by whatever means, putting the public or any section of the public in fear,

eht fo )s(esoprup eht taht edulcnoc ot elbanosaer si ti hcihw ni secnatsmucric ni ,suoigiler ,lacitilop a fo yltrap ro yllohw era denrecnoc )s(noitasinagro ro )s(nosrep

.erutan ralimis ro lacigoloedi

United Kingdom England, Scotland, Wales, Northern Ireland, Isle of Man and the Channel Islands.

Unoccupied Where the buildings have not been lived in by you for more than 60 consecutive days.

Unfurnished Where the main buildings are not furnished enough for you to live in.

Valuables Items of gold, silver or other precious metals, jewellery and furs which belong to you or are your legal responsibility.

We/us/our The insurer stated in the schedule.

You/your/insured The person or persons named in the schedule and all members of your family who permanently live in the home, including any resident domestic staff employed by you.

Personal Belongings Personal belongings are items that belong to you and are normally worn or carried on the person.

Personal belongings include: luggage, clothing, sports, musical, camping and photographic equipment, mobile phones, portable computer equipment.

Personal belongings does not include: tools or instruments used or held for business, professional or trade purposes, valuables, contact or corschedule,

pedal cycles, any property insured under any other insurance.

Subsidence Downward movement as a result of the ground being compressed by the weight ofthe buildings.

1) your duties

To make sure that you stay fully covered throughout the period of insurance, please ensure youcomply with the following duties:

information and changes we need to know aboutYou must take reasonable care to provide complete and accurate answers to the questionswe ask when you take out, make changes to, and renew your policy. Please tell Arthur J. Gallagher(UK) within 14 days of you becoming aware of any changes to the information you provided whenapplying for this insurance. Please contact Arthur J. Gallagher (UK) if you require a copy of yourstatement of fact or your schedule.

You must also tell Arthur J. Gallagher (UK) within 14 days of you becoming aware: a) of any changes to the information you provided on your statement of fact, or if there are any

changes in your circumstances as this may affect your insurance.b) of any change of people insured, or to be insured.c) of any changes to the use of the home. Examples include, but are not limited to, if the buildings

are to be lent, let, sublet, or used for business purposes (other than occasional clerical work).d) of any changes to the occupancy of the buildings. Examples include, but are not limited to, if

the buildings are to stop being your permanent residence or are to be unoccupied for anycontinuous period exceeding 60 days.

e) of any intended alterations, extension or renovation to the buildings. You do not need to tell usabout internal alterations to the buildings.

f) You must always make sure that the sums insured shown in the schedule are adequate. i) Buildings should be insured for the full cost of rebuilding the buildings in the same form, style

and condition as new plus a reasonable amount for architects, surveyors, consulting engineersand legal fees, debris removal costs and other costs to comply with government or localauthority requirements.

Please note that the rebuilding cost of your home may be different from its market value.ii) Contents should be insured for the full costs of replacement as new.

g) that any member of your household or any person to be insured by this policy is convicted of acriminal offence (other than motoring offences) under the Rehabilitation of Offenders Act 1974.In addition, you must take all reasonable steps to prevent loss, damage or an accident and keepthe buildings in a good state of repair.If you are in any doubt, please contact Arthur J. Gallagher (UK).When we we will tell you whether this affects your policy. For example,whether we are able to accept the change and if so, whether the change will result in revised termsand/or a revised premium being applied to your policy. If we are not able to accept the change andit becomes necessary to cancel this insurance, we will do so as described within the cancellationconditions contained within the policy.

Important Notice:

Please note that if the information provided by you is not complete and accurate, we may:· cancel your policy and refuse to pay any claim, or· not pay any claim in full, or· revise the premium and/or change any excess, or· revise the extent of cover or terms of this insurance, or· treat the policy as though it never existed. 8

general conditionsapplicable to the whole of this insurance

Each home included under this insurance is considered to be covered as if separately insured.

9

general conditions (continued)

applicable to the whole of this insurance

2) Cancelling this Policy

Cooling-off PeriodIf after reading through your insurance policy you decide not to proceed with this insurance, you havethe right to cancel back to the start of the period of insurance without giving any reason, providingyour instruction to cancel is submitted to Arthur J. Gallagher (UK) within 14 days of either:

• the date you receive the policy documentation, or• the start of the period of insurance,

whichever is later.

Providing no claim has been made we will refund your premium in full.

Your Right to CancelIf you wish to cancel your policy after 14 days you can do so at any time by contacting Arthur J.Gallagher (UK).

• On policies where the annual premium has been paid in full a refund of premium will becalculated from receipt of this notice on a pro-rata basis, providing no incidents haveoccurred which could give rise to a claim.

• On policies where the premium is paid by monthly payments the cancellation will take effectfrom the end of the period for which you have paid and therefore no refund will be due.

Our Right to CancelWe can cancel your policy by giving you 30 days written notice at your last known address. We will only cancel this policy or any part of it for a valid reason, such as:• Non-payment of premium;• We have identified serious grounds (such as the use or threat of violence or aggressive

behaviour against our staff, contractors or property);• There is a change in risk occurring which we are unable to insure;• Non-cooperation or failure to supply any information or documentation we request;• We establish that you have provided us with incorrect information;• Failure to take reasonable care of the property insured;• You breach any terms and conditions of your policy.

Where possible, we will try to seek an opportunity to resolve the matter with you.

If we cancel the policy we will refund premiums already paid for the remainder of the current period of insurance based on a proportional daily rate depending on how long this insurance has been in force.

If a claim has been submitted or there has been any incident likely to give rise to a claim during the current period of insurance, no refund for the unexpired portion of the premium will be given.

This will not affect your right to make a claim for any event that happened before the cancellation date.

3) Payments

w )b

where payment of premium is not made, any cover will be suspended from the date the premiumwas due.

here a claim has been during the current period of insurance you must continue with the monthly payments throughout the remaining period of insurancefull. If you we may deduct any outstanding amount from any claims settlement.

10

general exclusionsapplicable to the whole of this insurance

1) Radioactive Contamination and Nuclear Assemblies Exclusion

We will not pay for:

directly or indirectly caused by or contributed to by or arising from:

or nuclear component thereof.

2) War Exclusion

We

or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority.

3) Existing and Deliberate Damage

We will not pay for loss or damage: period of insurance

you or any person lawfully in the home.

4) Pollution Exclusion

Weother than:

entirety at a s ment of time during the period of insurance at the homeus not later than 30 days from the end of the period of insurance

in which case all such pollution and/or contamination arising out of such accident shall be deemed to have happened at the time of such accident.

5) Contracts (Rights of Third Parties) Act 1999 on Clause

Act 1999 to enforce any term of this insurance but this does not affect any right or remedy of a third party which exists or is available apart from that Act.

11

general exclusions (continued)

applicable to the whole of this insurance

6) Electronic Data Exclusion


directly or indirectly caused by or contributed to by or arising from:

source that propagates itself via a computer system or network.

7) Biological and Chemical Contamination Exclusion


directly or indirectly caused by or contributed to by biological or chemical contamination arising from: terrorism

terrorism.

8) Con scation

Wedetention by customs or other or authorities.

9) Loss of Value

We will not pay for any reduction in market value of any property following its repair orreinstatement.

which occurs gradually.

10) Indirect Loss or Damage

We will not pay for any loss or damage that is not directly associated with the incident that caused you

11) Wear and Tear

We

home which

12

how to make a claimAlthough we hope that you will never need to make a claim on your we have made

we will ask you for yourweneed for you to complete a claim form.

we will be able to tell you whether you are covered and will tell you what you need to do next.

For buildings we have a network of authorised repairers ready to put things right. If we appoint an authorised repairer:

they will make your home safe for you

youyou can be assured of the standard of the work.

For contents or valuables and personal belongingsweyouyou can be assured of the standard of the work.

we you. It is their role to help you make the claim easier and explain how the process works.

Please remember to quote your policy reference number and claim reference number at all times

making life easier The following services are included in your policy free of charge.

Legal advice helpline

If you need help with a legal matter involving you or any member of youravailable to you.

This fr rc Legal Assistance.

24 Hour Legal Advice Helpline on

0344 770 1044The Legal Advice Helpline will record your call to ensure that you receive the highest level of service. The tape recordings will be treated in the

This service can be upgraded to include Legal Expenses Insurance for an additional premium.

Home Emergency helpline

Use the 24 Hour Helpline following an emergency in the

The helpline will appoint and send an approved tradesman to your home. You will be responsible for the

Simply telephone

0344 770 1064we may provide you

with advice over the phone to help you deal with the problem yourself.

This service can be upgraded to Home Emergency Insurance for an additional premium.

everything as simple and straightforward as possible should you ever need to use our claims service. All you have to do is make one phone call to the Furness 24 Hour Claims Helpline on the telephone number shown on your schedule

When you call the claims helpline we will need some information from you:

13

claim conditionsapplicable to the whole of this insurance

Should you your insurance cover you will need to ensure that you comply with the following conditions.

Failure to adhere to these conditions may result in us cancelling the policy or refusing to deal with your claim.

your duties

In the event of a claim or possible claim under this insurance: 1. You must notify us2. You must provide us with details of what has happened within 30 days of discovering the loss or

damage and provide any other information we may reasonably require. 3. You must provide us your

for all items involved in the claim. 4. You must immediately forward to us you

summons or other legal document you5. You our written permission. 6. You

7. You

how we deal with your claim

1. Defence of claimsWe may:

yourwe consider necessary to enforce your rights or our rights under this insurance.

2. Other insuranceyou have any other

we will only pay our share of the claim.

3. Fraudulent claimsYou must not act in a fraudulent manner. If you or anyone acting for you:

your wilful act or with your

then: wewewe ourwe shall be entitled to recover from you the amount of any claim paid under the policy since the

wewe may inform the Police of the circumstances.

14

section 1 - buildingsThe following cover applies only if the schedule shows that Buildings is included:

What is covered:Loss or damage to your buildings during the period of insurance caused by the following insured events:

earthquake.

2. Aircraft and other ying devices or items dropped from them.

3. Storm or .

4. Escape of water from and frost damage to d

pipes.

5. Escape of oil from a domestic red heating installation.

6. Theft or attempted theft.

7. Collision or impact by any vehicle or animal.

What is not covered:

stated in the schedule or below.

stated in the schedule

your home is unoccupied or unfurnished

installation is connected to a domestic heating boiler protected by a frost stat device,

sealant and/or grout.

your home is unoccupied or unfurnished for more than 60 consecutive days.



vermin or domestic pets.


15

What is covered:

civil commotion or malicious acts.

9. Subsidence or heave of the site upon which the buildings stand or landslip.

10. Breakage or collapse of radio and television

masts.

posts.



loss or damage if your home is unoccupied or unfurnished for more than 60 consecutive days.

r walls of the private dwelling are also

of the home are damaged at the same time by

been provided or would have been but for the


buildings are

shrinkage or n.

section 1 - buildings (continued)

The following cover applies only if the schedule shows that Buildings is included:


16

This section also covers:

What is covered:

a. The cost of accidental damage to:

sanitary ware

all forming part of the buildings.

b. The cost of accidental damage to:

serving the home and which you are legally responsible for.

c. If you have to move out of your home because of any loss or damage covered under Section 1 Buildings we will pay you for one of the following expenses or losses we have agreed to:

accommodation for the time you cannot live in your home

you pay while you are not living in your home.

We will only pay under this Section for the period your home is un to live in.

d. Expenses you have to pay and which we have agreed in writing for:

safe the building

you have to pay in order to comply with any Government or local authority

following loss or damage to the buildings under Section 1.

e. Increased metered water charges you have to pay following an escape of water which gives rise to an admitted claim under event 4 of Section 1 Buildings.




you claim for such loss under Section 1 Buildings and Section 2 Contents

requirements have been served on you before the loss or damage.

period of insurance. If you claim for such loss under Section 1 Buildings and Section 2 Contents we will not pay more than £750 in total.



17


What is covered:

f. Anyone buying the home will have the tof Section 1 Buildings cover until the sale is

sooner.

g. The cost of replacing and ng the locks orlock mechanism of external doors and windowsof the home if the keys are lost or stolenanywhere in the world.

h. If your buildings are damaged by water or oil

or any heating installation in your homewe will pay the cost of removing and replacingany other parts of your buildings necessaryto nd and repair the source of the leak andmaking good.

i. Damage to the buildings caused by forcedaccess to deal with a medical emergency or to prevent damage to the home.



buildings are insured under another insurance.

What is covered:We will pay all amounts which you become legally liable to pay for accidents happening in and around your home during the period of insurance which result in:

bodily injury to any person other than you or a

loss or damage to property which you or your domestic employees do not own or have legal

responsibility for.

If you we will pay all amounts your personal representatives become legally liable to pay for liability under this Section.

Weor series of accidents arising out of any one event.

we will also pay any costs and expenses we have agreed in writing.

What is not covered:You are not covered for liability arising:

home you

or buildings other than the home you are entitled to cover from another

you owning or using any:

b) mechanically-propelled vehicle or horse- drawn vehicle (other than domestic garden

e) dangerous dogs under the Dangerous Dogs Act 1991.

personal liability (as owner of the home)

The following cover applies only if the schedule shows that Buildings is included:


more than £2,500 for any one event.


18


defective premises act 1972The following cover applies only if the schedule shows that Buildings is included:

What is covered:Your liability under Section 3 of the Defective Premises Act 1972 or Section 5 of the Defective

of any previous home which youaccidents happening in and around that home which result in:

bodily injury


Weor series of accidents arising out of any one



over 7 years after this insurance ends or your home

you

What is covered:This extension covers accidental damage to the buildings.

What is not covered:the rst £100 of every claim unless otherwise

stated in the schedule we

y exclude elsewhere under Section 1 Buildings

buildings

home

loss or damage if your home is unoccupied or unfurnished for more than 60 consecutive days.

accidental damage to the buildingsThe following cover applies only if the schedule shows that Accidental Damage to Buildings is included:


19


conditions that apply to section 1 - buildings only

1) How we deal with your claim

If your claim for loss or damage is covered under Section 1 Buildings we will pay the full cost of repair or replacement as long as:

the buildingsbuildings in their present form

and the damage has been repaired or loss has been reinstated.

We will take an amount off for wear and tear (from the cost of any replacement or repair) if immediately buildings were not in a good state of repair.

We will not pay the cost of replacing or repairing any undamaged parts of the buildings which form part of

iden rea or to a s part.

2) Your sum insured

The sum insured shall represent the full cost of rebuilding the buildingsunless otherwise stated in your schedule.

The most we will pay is the amount stated in the schedule.

3) Maintaining the sum insured

After we we will not reduce your sum insured on your buildings you take the reasonable measures we suggest to prevent any further loss or damage.

We will not charge any extra premium for maintaining the sum insured.


20

section 2 - contentsThe following cover applies only if the schedule shows that Contents is included:

What is covered:Loss of or damage to your contents whilst in the home during the period of insurance caused by the following insured events:

earthquake.

2. Aircraft and other ying devices or items dropped from them.

3. Storm or .

4. Escape of water from and frost damage to d

pipes.

5. Escape of oil from a domestic red heating installation.

6. Theft or attempted theft.

7. Collision or impact by any vehicle or animal.



contents that are located within the premises shown in the schedule but not contained within the home or outbuildings at the time of loss or damage.

stated in the scheduleyour home is unoccupied or

unfurnished

connected to a domestic heating boiler

sealant and/or grout.

your home is unoccupied or

unfurnished


using any form of payment which proves to be

any reason.


,


21

section 2 - contents (continued)

The following cover applies only if the schedule shows that Contents is included:

What is covered:

civil commotion or malicious acts.

9. Subsidence or heave of the site upon which the buildings stand or landslip.

10. Breakage or collapse of radio and television

mast.

posts.




home is undergoing

erosion.

buildings.


What is covered:

a. Accidental damage to:

home

home.



cameras or digital imaging or recording equipment designed to be hand-held or

mechanical or electrical faults or breakdown,

damage caused by computer viruses.


22

What is covered:

b. If you have to move out of your home because of

we will pay you for one of the following expenses or losses we have agreed to:

accommodation for the time you cannot live in your home

you pay while you are not living in your home.

We will only pay under this Section for the period your home is live in.

c. The contentselsewhere whilst they are temporarily out of the home against loss or damage directly caused by:

(i) events 1-11 under Section 2 Contentswhile the contents are:

buildings where you are

buildings

attempted theft while the contents are being moved to your new home or to or

d. Loss or damage to contents belonging to visitors as a result of insured events 1 to 11.

youshown in the schedule

that death ensues within twelve months of such

f. Costs you have to pay for replacing locks tohome

following theft or loss of your keys anywhere in the world.

g. Increased metered water charges you have topay following an escape of water which gives rise to an admitted claim under event 4 of Section 2 Contents.



you claim for such loss under Section 2 Contents and

Section 1 Buildings we will not pay more than

contents outside the United Kingdom money or credit cards

contents in a furniture store.

contents which are covered

contents belonging to a paying guest or lodger.

no policy excess applying.

period of insurance. If you claim for such loss under Section 1 Buildings and Section 2 Contents we will not pay more than £750 in total.

section 2 - contents (continued)This section also covers:


23



What is covered:

h. We will pay an amount not exceeding £10 perday to you or any member of your householdin respect of loss of irrecoverable earnings andadditional expenses arising from service as aJuror.

i. Accidental damagetops to furniture and glass in furniture.

you become legally liable to pay under a tenancy agreement for loss or damage caused by events 1-11 of Section 2 Contents or events a) and b) of Section 1 Buildings.

We will only provide this cover if the loss or damage occurs during the period of insurance.


k. Your Contents sum insured is automatically

which youinsured events 1-11 of Section 2 Contents.

l. Your Contents sum insured is automaticallyincreased to £3,500 for wedding/civil ceremony/birthday gifts within the home against loss or damage by events 1-11 of Section 2 Contents,for one month before and one month after yourwedding day/your civil ceremony/your birthday(if within the period of insurance).

m. Contents belonging to a member of your familywho is away at University/College during termtime but who usually resides at the homeagainst loss or damage by events 1-11 ofSection 2 Contents.

n. The cost of replacing electronic information youhave bought and stored on equipment withinyour home and that is lost or damaged byevents 1-11 of Section 2 Contents.

o. Damage to the contents caused by forced access to deal with a medical emergency or to prevent damage to the home.




period of insurance

use.

24


personal liabilityThe following cover applies only if the schedule shows that Contents is included:

What is covered:We will pay for:a. all amounts which you become legally liable

to pay for accidents not connected with you owning or living in the home

b. all amounts which you become legally liable to pay as occupier but not as owner for incidents happening in and around your home

which result in: bodily injury to any person other than you or a

you or your

domestic employees do not own or have legal responsibility for.

We will provide this cover for accidents which occur during the period of insurance.


Weor series of accidents arising out of any one


What is not covered: Liability arising:

home you

America which are for more than 60 days in any one period of insurance

or buildings other than the home

you are entitled to cover from another

you owning or using any:

b) mechanically-propelled vehicle or horse- drawn vehicle (other than domestic garden

e) animals other than your f) dangerous dogs under the Dangerous Dogs Act 1991.

home is unfurnished or unoccupied

disease or virus by you or any member of your

bodily injury to a member of your family or

any person usually living in the home or to a person under a contract of service or apprenticeship to you or your

or in the custody or control of you or your family or any person usually living in the home


25


unrecovered court awardsThe following cover applies only if the schedule shows that Contents is included:

accidents to domestic employeesThe following cover applies only if the schedule shows that Contents is included.


claims during the period of insurance

or in the custody or control of you or your family or any person usually living in the home

What is covered:We will pay you all amounts which you have been awarded in courts within the United Kingdom and which still remain outstanding three months after the award has been made provided that:

within the United Kingdom and during the period of insurance you would have been entitled to a payment under the personal liability part of Section 2 Contents if the award had been made against you rather than to you

with you.

We our own expense and for ourpayment we have made under this insurance.

We will also pay any costs and expenses we have agreed in writing.


including the costs and expenses that we have agreed in writing.

Bodily injury arising directly or indirectly:

the total period of stay has exceeded 60 days in the period of insurance.

What is covered:We will pay all amounts you become legally liable

we bodily injury

to domestic employees happening during the period of insurance in connection with incidents arising at the home.


26


accidental damage to the contentsThe following cover applies only if the schedule shows that Accidental Damage to Contents is included:

What is not covered:the rst £100 of every claim unless otherwise stated in the schedule

we y exclude elsewhere under Section 2

Contents

money, credit cards


What is covered:This extension covers accidental damage to the contents of the home.


27


conditions that apply to section 2 – contents only


If you claim for loss or damage to the contents we will at ourarticle covered under Section 2 Contents.

For total loss or destruction of any article we will pay you the cost of replacing the article as new as long as:

you have paid for or we have authorised the cost of replacement.

The above basis of settlement will not apply to:

where we will take off an amount for wear and tear.

We will not pay the cost of replacing or repairing any undamaged parts of the contents which form

r r .

2) Your sum insured

The sum insured shall represent the cost of replacing the contentsotherwise stated in the schedule.

3) Underinsurance

If the cost of repairing or replacing the contents is more than the sum insured at the time of any loss you your sum insured only

covers one-third of the cost of repairing or replacing your contents we will only pay one-third of the claim.

4) Maintaining the sum insured

After we we will not reduce your sum insured on your contents you take the reasonable measures we suggest to prevent any further loss or damage.

We will not charge any extra premium for maintaining the sum insured.


28

section 3 – valuables & personal belongings (cover away from home)The following cover applies only if the schedule shows that Valuables and Personal Belongings is included:

What is covered: your Valuables

and Personal Belongings listed in the schedule occurring during the period of insurance when in the United Kingdomworld during a temporary visit not exceeding 60 days in any one period of insurance.



articles forming a pair or set) unless the item schedule

baggage unless such baggage is carried by hand and under your

damage to portable computer equipment schedule

disappearance of property from any vehicle when such vehicle is left unattended without an

rooms during your

United Kingdom,

more than £250 per claim for loss or damage to mobile phones or pagers.


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section 3 – valuables & personal belongings (continued)

conditions that apply to section 3 - valuables & personal belongings


a) We will at our Valuables and Personal Belongings. For total loss or destruction of any article we will pay you the cost of replacing the article as new as long as:

you have paid for or we have authorised the cost of replacement.

The above basis of settlement will not apply to:

where we will take off an amount for wear and tear.

b) We set or suite or part of a common design or function when the loss or damage is restricted to a r

2) Your sum insured

The most we will pay under Section 3 Valuables and Personal Belongings is the sum insured shown on the schedule.

The most we will pay for any one item under Section 3 Valuables and Personal Belongings is schedule.

If you we will pay is the sum insured for that item as shown in the schedule.

3) Underinsurance

If the cost of repairing or replacing the Valuables and Personal Belongings is more than the sum you

your sum insured only covers one-third of the cost of repairing or replacing your Valuables and Personal Belongings we will only pay one-third of the claim.


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section 4 - frozen food coverThe following cover automatically applies where Section 2 - Contents is included:

section 5 - money & credit cardsThe following cover automatically applies where Section 3 - Valuables and Personal Belongings is included:



company deliberately cutting off or restricting your

your electricity or gas supply caused by a strike or

you have not complied with the operating instructions set

you tell us within 48 hours of discovery.



your credit card(s) were issued to you have been breached.

What is covered: The cost of replacing your food in your refrigerator or freezer if it is spoiled due to a change in temperature or contaminated by refrigeration fumes during the period of insurance.

What is covered: money

you become legally liable to pay as a result of unauthorised use following loss or theft of your credit card(s).

Provided that within 24 hours of you discovering you h card

issuing company and the police.


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section 6 - pedal cyclesThe following cover only applies if the schedule shows Pedal Cycles are included:



unless the cycle is stolen or damaged at the

damage from mechanical or electrical faults or

racing or pacemaking or is let out on hire or is

schedule theft by fraudulent means.

What is covered: This insurance extends to cover the cost of repairing or replacing your pedal cycle(s) (as shown in the schedule) following:

accidental damage

anywhere in the United Kingdom elsewhere in the world during a temporary visit during the period of insurance.


32

7741 4100 or you can visit their website www.fscs.org.uk.

our service commitment to youOur aim is to ensure that all aspects of your insurance are dealt with promptly y. However, if you wish to make a complaint relating to Furness Home Insurance, contact:

Managing Director, Arthur J. Gallagher (UK), Phoenix Court, Jacobs Well Lane, Wakefield, West Yorkshire, WF1 3NT

Or contact our Customer Services team on the telephone number shown on your policy schedule Email: [email protected]

If we or Arthur J. Gallagher (UK) cannot resolve the matter to your satisfaction, you may be entitled to refer it to the Financial Ombudsman Service. For full details of the complaints procedure includinghow to contact the Financial Ombudsman Service, please refer to your policy schedule.

Please quote your policy number and/or mortgage account (where applicable) and/or claims reference number in all correspondence to enable us to deal with your complaint as quickly as possible.

financial services compensation schemeWe and Arthur J. Gallagher (UK) are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we or Arthur J. Gallagher (UK) cannot meet the obligations to you.

If youdepend on the nature of the contract.

33

important informationThe selling and administration of Furness Home Insurance is undertaken by Furness Building Society andArthur J. Gallagher (UK), which is a trading name of Heath Lambert Limited. The Home Insurance policyis underwritten by a panel of insurers. Details of the insurer applicable to this insurance are statedwithin your policy schedule.

Furness Home Insurance is administered by Arthur J. Gallagher (UK) on behalf of Furness Building Society.Furness Building Society is authorised by the Prudential Regulation Authority and regulated by the FinancialConduct Authority and the Prudential Regulation Authority. Registered address: 51-55 Duke St,Barrow-in-Furness, Cumbria LA14 1RT. Registered in England and Wales. Arthur J. Gallagher (UK) is atrading name of Heath Lambert Limited, which is authorised and regulated by the Financial ConductAuthority. Registered address: The Walbrook Building, 25 Walbrook, London, EC4N 8AW. Registered inEngland and Wales. Registered Number: 1199129

All panel insurers are authorised by the Prudential Regulation Authority and regulated by the FinancialConduct Authority and the Prudential Regulation Authority.

Youwww.fca.org.uk/ or by contacting the Financial Conduct Authority on 0800 111 6768.

The law of England and Wales will apply to this contract of insurance unless we agree otherwise or, atthe date of commencement of the contract you are a resident of (or in the case of a business, the

Islands or the Isle of Man, in which case (in the absence of agreement to the contrary) the law of thatcountry will apply.

choice of law

data protection act 1998

Wein accordance with the Act. Your personal data will be used for the purpose of quoting and providing the insurance contract you require. We may need to disclose this data to insurers and third party service pr our contractual obligations.

If we transfer your information to a service provider or agent in another country we will make sure that the service provider or agent agrees to apply the same level of protection as we are required to apply to information held in the United Kingdom and to use your information only for the purpose of providing the service to us.

notice

Insurers and their agents share information with each other to prevent fraudulent claims and to assess

operated by Insurance Database Services Limited. A list of the participants is available upon request. In dealing with your application this register may be searched. In the event of a claim the information you

available to participants.

34

youryour identity to prevent money laundering (unless you provide us with other satisfactory proof of

We will supply on request details of the databases we access or contribute to.

continuous renewal

Your Furness Home Insurance policy is valid for a 12 month period from the start date (as shown in your schedule your policy period.You will be advised of your renewal premium and the alternative payment methods available to you.

unless prior to renewal date you inform Customer Services otherwise or your Direct Debit mandate is cancelled.

index linking

The buildings sums insured will be index-linked. This means that the sums insured will be adjusted in linewith the changes in the House Rebuilding Cost index, produced by the Royal Institution of CharteredSurveyors, or in line with any other index that we decide. If you make a claim, index-linking will continueduring the period when the repair or replacement is being carried out providing you take reasonable actionfor the repair or replacement to be carried out immediately.

The contents sums insured will be index-linked. This means that the sums insured will be adjusted in linewith the changes in the Government Consumer Durables index in line with any other index that we decide.If you make a claim, index-linking will continue during the period when the repair or replacement is beingcarried out providing you take reasonable action for the repair or replacement to be carried out immediately.

We will not make a charge for index-linking during the period of insurance. Each time your insurance isrenewed, we will work out a new premium for the adjusted sum insured.

fraud prevention, detection & credit checking

we may:you

youryou give us false or inaccurate information and we we will record this.

We and other organisations may also search these agencies and databases to:

you and members of your

35

Arthur J. Gallagher (UK) will only make a change where:

provided by youryou at the time of the

of comparable cover that is available in the market at that time.

change of insurer

not less than 21 days before your current insurance expires with details of the new insurer and the terms on which cover is offered.

From time to time, if Arthur J. Gallagher (UK) consider it appropriate or in your best interests, they maychange the insurer who underwrites your policy. If Arthur J. Gallagher (UK) do this, they will contact you

Where Arthur J. Gallagher (UK) change insurer, and unless you tell them otherwise, you authorise Arthur J. Gallagher (UK) to cancel your existing insurance and provide you with the replacement cover. When contacting you with details of the new insurer and any change in terms, Arthur J. Gallagher (UK) will provide you with details of how you may cancel your policy if you do not wish to continue your policy with the new insurer.

If however, you agree to the change of insurer, you authorise Arthur J. Gallagher (UK) to transfer your data to the new insurer, and for the new insurer to use the data for the purpose of quoting and providing the insurance contract you require. Your data will continue to be held and processed in accordance with the Data Protection Act 1998.

customer service opening hours You can contact our customer services team on the telephone number as shown on your schedule. Customer Services lines are open Monday to Friday 9am-8pm and Saturday 9am-12 noon (excluding Bank Holidays). Contact your service provider for details of charges, as call costs may vary.

Always with your interest at heartFurness Building Society are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct

Street, Barrow-in-Furness, Cumbria. LA14 1RT. Administered by Arthur J. Gallagher (UK), Phoenix Court, Jacobs Well Lane, Wakefield, West Yorkshire, WF1 3NT. Your call may be monitored or recorded to maintain a quality service. FU

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For more information

· Call in at your local branch

· Ring Furness Direct on: 0800 083 2429*

· Visit our website www.furnessbs.co.uk

· Email us at [email protected]

*Lines open Monday to Thursday 9.00am - 7.30pm,Friday 9.00am - 5.30pm and Saturday 9.00am - 12.00 noon.

Documents

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