Very short summary of cover

(NB unoccupied = without a tenant for 30 days)

• Fire, explosion, lightning, earthquake - excludes arson if unoccupied

• Smoke

• Riot, civil commotion, strikes, labour or political disturbances - excluded if unoccupied

• Malicious acts or vandalism - excluded if unoccupied

• Storm or flood

• Escape of water or oil from fixed appliance or system - excluded if unoccupied

• Frost damage to fixed water or heating systems - excluded if unoccupied

• Theft  or attempted following forcible entry - excluded if unoccupied

• Impact with aircraft, animals, falling trees, branches, telegraph poles, lap posts and pylons, aerials or vehicles

• Subsidence

• Accidental damage of fixed sanitary fixtures, ceramic hobs

• Accidental damage to cables, underground services pipes

• Loss of rent: 20% of sum insured for 12 months

• Index linking

• Professional fees

• Metered water

• Transfer of interest during sale

• Settlement on a new for old basis with automatic reinstatement once repairs done

• Excludes matching parts of a set

• Property owner's liability £2,000,000

• Standard policy excess is £100 increased to £1000 for subsidence (increased for certain postcodes). Excess for loss of rent is 2 weeks. If the premises are unoccupied the excess is £500 - and arson/loss of rent cover not available

• Legal protection cover for

  • Rent recovery

  • Eviction

  • Defence against prosecution

• Max cover £25,000

If premises become unoccupied terms will apply.

Full information about policy cover will be sent to you when we receive your application form. Submission of the form does not oblige you to take out the policy or for us to offer cover.