No theft claims in the last 6 months, not more than 3 in the past 5 years totaling not more than £1,000 AND not more than one claim of one type.
| Actor | Club Owner | Licenced Victualler | Motor Trader | Publican | Sportsperson |
| Furrier | Musician | Antique Dealer | Market Trader | Stamp/ Coin dealer | Street Trader |
| Jeweller | Model | Coin Dealer | Scrap Metal Dealer | Performer | Student |
| Unemployed | |||||
Anyone involved in : |
|||||
| Casinos | Entertainment | Gambling | Racing | HM Forces | |
Properties bought for refurbishment and/or resale NOT acceptable
i.e. NOT brick, stone or concrete rigid metal
1) Accidental damage is NOT available
2) A subsidence excess of £1,000 applies
3) Properties unoccupied at inception are restricted to Fire, Lightning, Earthquake and Explosion only.
4) If the property should become unoccupied the underwriters must be advised within 7 days.
a) From 7 - 21 days all utilities must be switched off at the mains and the central heating drained except for the months of November - March inc when the central heating can be left on on a 24 hour basis. The premises must also be inspected at least once every 7 days by a responsible adult.
b) From 21 days cover is restricted to Fire, Lightning, Earthquake, Explosion and Subsidence
c) After 160 days the policy may be cancelled by giving 7 days notice.
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