Summary of cover
Section one: Contents - covering household goods and personal property in the home - sum insured selected by you.
Section two: All risks - loss or damage cover on clothing, personal effects and valuables - sum insured selected by you.
Section three: Money - up to £300 for loss of money or loss following theft of credit cards (only available in conjunction with section two).
Section four: Personal liability - up to a limit of liability of £500,000 plus agreed legal costs.
Section five: Medical and repatriation expenses - limits of £100,000 or £250,000 available.
Section six: Personal accident and sickness - cover purchased in units - each unit providing capital sums insured of £1,000 and £10 per week for temporary total disablement.
A brief outline of the cover and exclusions of the policy follows. The policy document is available on request.
| Section | Level of cover | What is covered | Example exclusions |
Contents
| Up to the sum insured
| Household goods and other personal property whilst in the home, against loss or damage caused by fire, lightening, explosion, earthquake, theft, storm, escape of water, leakage of oil, collision by aircraft, vehicles or animals, riot strike or malicious acts. | The first £50 as standard of any one occurrence. Property insured by any other policy.
|
All risks
| Up to the sum insured
| All risks of loss or damage to property including clothing and personal effects and valuables as described.
Items over £500 to be specified.
| The first £50 as standard of any one occurence.
Breakage of articles of a brittle nature.
Cash currency or bank notes.
Property dispatched as cargo under a bill of lading or airway bill.
|
Personal money
| Up to £300
| Loss of cash, bank notes, or negotiable documents.
Loss as the result of misuse of credit cards by unauthorised persons following loss or theft of the card.
| The first £25 as standard of any one occurrence.
Loss not reported to the police or in the case of credit cards, the issuing company, within 24 hours of discovery. |
Personal liability
| Up to £500,000 as standard plus agreed costs and expenses
| Legal liability to pay compensation to third parties arising from accidental bodily injury or property damage.
Payment of costs and expenses incurred with the written consent of underwriters in defence of any claim.
| Liability for injury or damage arising from the carrying on of any trade, business or profession.
Liability for loss or damage to property in the custody or control of the assured or members of the household.
|
Medical & repatriation expenses
| Limit of either £100,000 or £250,000 as selected
| The costs of:
| The first £50 as standard of any one occurrence.
Pre-existing conditions.
Dental treatments normal eye and ear tests.
Pregnancy, childbirth, miscarriage or abortion.
Winter sports, mountaineering, motor cycling or racing are normal exclusions but may be included subject to underwriters' consideration (This may be sujuct to an additional premium).
AIDS related complaints.
|
| Units of £1,000 as selected.
NB Child benefit limited - see next column
| In the event of accidental death or injury, 1 unit of benefit provides: - Death - £1,000. (Child - £500 maximum).
Total loss of one or both eyes, or one or both feet: - £1,000. (Child - £1,000 maximum).
Permanent total disablement: - £1,000 (Child - £1,000 maximum)
Temporary total disablement: - £10 per week for up to 52 weeks. (Child benefit - not available).
In the event of sickness, 1 unit of benefit provides:
Temporary total disablement - £10 per week for up 52 weeks. (Child benefit - not available).
| Pre-existing conditions.
Pregnancy, childbirth, miscarriage or abortion.
Winter sports, mountaineering, motor cycling or racing but may be included subject to underwriters consideration(This may be sujuct to an additional premium).
AIDS related complaints.
In respect of sickness - the first 7 days.
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