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Standard Summary of Insurance Cover
Summary of insurance cover for flats
Buildings shall mean: buildings (including foundations)
built mainly of brick stone concrete or other non-combustible
material; landlord's fixtures and fittings (including fixed
glass and fitted carpets) and tenants improvements for which
the landlord is responsible in on or around the Buildings;
furnishings and other contents of common parts of the Buildings;
gangways pedestrian malls and pedestrian access bridges; walls
gates fences and Services; car parks roads pavements and similar
surfaces all constructed of solid materials; landscaping excluding
external ponds and lakes - all being the property of the insured
or for which they are responsible and situate at the Premises.
The insurance extends to include Temporary Removal of Landlords
property for cleaning renovation repair or other similar purpose
and whilst in transit.
Main features: Fire, Explosion, Lightning, Aircraft;
Earthquake; Riot; Malicious Damage; Storm or Flood; Escape
of Water or Oil; Impact by any Road or Rail Vehicle; Accidental
escape of water from sprinkler installation; Theft or attempted
theft; Subsidence, Ground Heave or Landslip.
- Basis of Cover - Day One Rebuilding Value + inflation
provision
- The cost of complying with Building Regulations - Included
- The cost of removing debris - Included
- Accidental Damage - Included
- Architect & Surveyors Fees - Included during reinstatement
- Landscaping Expenses - Included
- Extinguishment & Alarm Resetting Expenses - Included
- Loss of Metered Water or Gas - Included
- Common Parts - Limit 5% of the building sum insured
- Glass Cover Extension - Included
- Replacement of Obsolete Building Materials - Included
- Reinstatement to Match - Included
- Replacement of Locks
- Trace & Access
- Eviction of Squatters
- Loss of Rent / Alternative Accommodation - Limit 20% of
sum insured extended to include pets
- Property Owners Public Liability
- Employers' Liability
- Legal Defence Costs
- Terrorism Damage
The main excesses and exclusions
- Fire, Lightning, Explosion, Earthquake - Nil; Water Damage
- £200; Subsidence - £1,000; All others - £100
- Damage to any property caused by its own faulty or defective
design or material, wear & tear, faulty or defective
workmanship on the part of the insured, corrosion rust wet
or dry rot marring scratching vermin insects, pollution
or contamination, frost, change in the water table level.
- Damage to fences, gates, trees, plants, shrubs and turf
unless caused by falling trees or there is damage to structural
parts of the Building at the same time.
Summary of insurance cover for houses
Buildings shall mean: buildings (including foundations)
built mainly of brick stone concrete or other non-combustible
material; landlord's fixtures and fittings (including fixed
glass and fitted carpets) and tenants improvements for which
the landlord is responsible in on or around the Buildings;
furnishings and other contents of common parts of the Buildings;
gangways pedestrian malls and pedestrian access bridges; walls
gates fences and Services; car parks roads pavements and similar
surfaces all constructed of solid materials; landscaping excluding
external ponds and lakes - all being the property of the insured
or for which they are responsible and situate at the Premises.
The insurance extends to include Temporary Removal of Landlords
property for cleaning renovation repair or other similar purpose
and whilst in transit.
Main features: Fire, Explosion, Lightning, Aircraft;
Earthquake; Riot; Malicious Damage; Storm or Flood; Escape
of Water or Oil; Impact by any Road or Rail Vehicle; Accidental
escape of water from sprinkler installation; Theft or attempted
theft; Subsidence, Ground Heave or Landslip.
- Basis of Cover - Day One Rebuilding Value + inflation
provision
- The cost of complying with Building Regulations - Included
- The cost of removing debris - Included
- Accidental Damage - Included
- Architect & Surveyors Fees - Included during reinstatement
- Landscaping Expenses - Included
- Extinguishment & Alarm Resetting Expenses - Included
- Loss of Metered Water or Gas - Included
- Glass Cover Extension - Included
- Replacement of Obsolete Building Materials - Included
- Reinstatement to Match - Included
- Replacement of Locks
- Trace & Access
- Eviction of Squatters
- Loss of Rent / Alternative Accommodation - Limit 20% of
sum insured extended to include pets
- Property Owners Public Liability
- Legal Defence Costs
- Terrorism Damage
The main excesses and exclusions
- Fire, Lightning, Explosion, Earthquake - Nil; Subsidence
- £1,000; All others - £100
- Damage to any property caused by its own faulty or defective
design or material, wear & tear, faulty or defective
workmanship on the part of the insured, corrosion rust wet
or dry rot marring scratching vermin insects, pollution
or contamination, frost, change in the water table level.
- Damage to fences, gates, trees, plants, shrubs and turf
unless caused by falling trees or there is damage to structural
parts of the Building at the same time.
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