This is an optional extension to the home insurance policy to cover your property for damage caused by unexpected and unintended incidents. For example, if you accidentally put a foot through the ceiling whilst in the loft, this would be covered under the buildings accidental damage extension. If you accidentally spilt paint on your carpet, this would be covered under the contents accidental damage extension.
The home together with its permanent fixtures and fittings, usually including:
which you own or which you are legally responsible for, within the premises.
This usually includes:
all held solely for private and domestic purposes.
A home insurance claim is an application to an insurance company to compensate you for a loss. A loss is where an event has occurred that has resulted in damage to or loss of use of something. You may not be insured for all losses or you may have chosen not to make an insurance claim for a loss, even though it was insured.
An excess which is set by the insurance company depending on the risk which is presented.
Household goods and personal property within the home, which belongs to you or for which you are legally responsible, usually including:
It is important to check the limits of these items in the home insurance policy documents.
Credit cards, charge cards, cheque cards, debit cards, bankers cards and cash dispenser cards all held solely for private and domestic purposes.
The amount that you have to pay towards each and every home insurance claim that you make.
The person you are married to, have entered in to Civil Partnership with, or live with as if you were married, your children, foster children and any other person who permanently lives with you, but not lodgers or any other paying guests.
An upward motion or horizontal displacement caused by faulting of rock masses.
The private dwelling, in which you live, and its garages and outbuildings, used solely for domestic purposes at the premises shown in the home insurance policy schedule.
One of our home insurance optional extras - an insurance policy to cover immediate repairs (subject to a maximum of £1000) in the event of an emergency.
An additional policyholder. A joint policy holder is usually someone who has a financial interest in the property. A joint policyholder can be; your spouse or partner, a member of your family, someone you have a mortgage with, or someone that you have a joint bank account with.
A downward slip or movement of a mass of rock, earth or artificial fill.
A contract where the property is leased from its owner and the tenant is responsible for the maintenance and insurance of the building.
One of our home insurance optional extras - an insurance policy which covers you for the legal costs involved in defending or taking action against an infringement of your legal rights.
A building that is 'of special architectural or historic interest' and has been included on a list kept by the Secretary of State for the Environment.
A loss is where an event has occurred that has resulted in damage to or loss of use of something.
Settlement of home insurance claims will be at today's values, without making a deduction for wear and tear or age of your property. Some exclusions apply such as clothing over two years old and bicycles, please see home insurance policy documents for details.
The length of time for which this home insurance policy is in force. This is usually for one year from the date you requested the home insurance policy to start.
Clothing, baggage, cash/money, credit cards, sports equipment, prams, and other personal belongings that you wear or take with you in everyday life.
The address named in the home insurance policy schedule.
The main policyholder and owner of the property to be insured.
A contract where the property is rented from a landlord who is responsible for the maintenance and insurance of the building.
Washbasins, sinks, bidets, lavatory pans and cisterns, shower trays, shower screens, baths and bath panels.
The policy schedule is part of your Home Insurance document and contains details of you, the premises, the sums insured, the period of insurance and the sections that apply.
Built of brick, stone or concrete and roofed with slates, tiles, asphalt, metal or concrete. Some timber-framed properties are also considered standard.
A gradual sinking to a lower level or the sudden collapse of something into a hollow beneath it.
The amount for which each section is insured. This will be shown in your insurance policy schedule when you take out a home insurance policy.
England, Wales, Scotland, Northern Ireland, the Isle of Man and the Channel Islands, and journeys between these countries.
Items which belong to you or for which you are legally responsible, usually including:
Pairs or sets of items will be treated as one item.
An excess that you agree to pay on top of any compulsory excesses already applied by the insurer.
The proposer, joint proposer and all family members who permanently live in the home.
