This is a very abbreviated summary - the full summary will be sent with our quote
Fire, lightning, explosion, earthquake, storm, flood, riot, malicious persons, subsidence, escape of water (e.g. from burst pipes or tanks) or oil, theft, collision by vehicles or animals, collapse of aerials, falling trees
If the building is damaged by any of the Causes Insured
Debris removal and architects fees up to a maximum of 10% of the buildings sum insured
Cost of alternative accommodation or loss of pre-booked hiring charges up to a maximum of 20% of the buildings sum insured, providing the building can no longer be lived in
Accidental damage to fixed glass in windows, fixed sanitary ware and bathroom fittings, underground pipes and cables.
Insurance for household goods, and personal effects of properties used by the insure and their family. We will pay to repair or replace the possessions in the event of loss or damage by any of the CAUSES INSURED (above)
Theft of property temporarily left in the open at the Holiday Home - £250
Replacement of locks following theft or loss of keys - £250
Accidental damage to mirrors, fixed glass in furniture, hobs, TVs, satellite dishes (up to £500) radios, record players, video recorders and home computers
Loss of metered water and oil up to £1,000
Domestic and Broken Glass Helpline
Accidental damage for buildings is available (see notes on quote) and for contents if property is for the sole use of proposer and family.
If unoccupied for more than 60 days cover is reduced
Damage caused by: Malicious persons, escape of water/ frost damage, theft, glass and sanitaryware are not covered under the buildings section
Damage caused by Malicious persons, escape of water, theft: damage to mirrors and glass and loss of metered oil or water are excluded under the contents section
If unoccupied for more than 14 days between March and October
Gas, electricity and water must be turned off at the mains and water/ central heating system drained
OR the home is maintained at a temperature not less than 55F (13C)