Buildings & Contents Insurance

Introduction

Naturally, you want to be sure that the things most precious to you are in the Safest possible hands. Insure your home,

contents and fine art with Home & Legacy and you can rest assured that you and your family’s most valued Possessions

are truly safe and sound. Simply submit the completed application form or call Citymain direct on

01252 819504 and we will provide you with an immediate quotation.

PLEASE NOTE THIS IS ONLY AVAILABLE FOR UK RESIDENTS

Policy details

Coverage

Accidental Damage:- Included automatically to contents.

World-wide Cover:- Included for contents, fine art and personal possessions.

Fine Art and Antiques:- Includes all risks of physical loss or damage including breakage, restoration costs and any resulting depreciation in value.

In the event of a claim, our unique inflation protection clause enables works of art to increase in value by up to 200% of the original declared value when your policy

Part A Buildings

In addition to your house, outbuildings, greenhouses, conservatory, swimming pool, patios, hard tennis courts, driveways, footpaths, terraces, walls, gates, hedges and fences being protected, you are also covered for:-

Fire, storm, flood, collision, vandalism and subsidence. You are also covered for underground cables, pipes and accidental breakage to fixed glass, double glazing and sanitary ware;

Loss of rent, architect and surveyors fees are covered up to 20% of the buildings sum insured;

Outdoor items;

Property owner’s liability and defective premises liability are covered for up to £2,000,000;

The sum insured for buildings will be automatically adjusted upwards to keep pace with inflation.

Accidental damage can be included for an additional £25.00

You are not covered for the following which are some of the main exclusions:

The deductible of £100 unless the claim exceeds £10,000 (when no deductible applies except for subsidence claims where the deductible is always £1000);

Accidental damage when the Buildings are commercially let to a third party (other than relatives);

Outdoor items not covered against storm or flood.

Part B Contents

This part of the policy covers all your household goods and personal property, furniture and furnishings. Accidental damage is included at no additional cost. Coverage includes fire, flood, theft, burglary, collision, vandalism, audio equipment and televisions, mirrors and freezer contents. Contents are also covered when temporarily removed from the premises anywhere in the world, as well as:

Loss of rent and alternative accommodation are covered for up to 20% of your contents and fine art sums insured;

Replacement of locks are covered for up to £1,000;

Liability as occupier and legal liability are covered for up to £2,000,000;

The sum insured for contents will be adjusted upwards to keep pace with inflation. You only need list those items in excess of £15,000.

You are not covered for the following which are some of the main exclusions:

The deductible of £100 unless the claim exceeds £10,000 (when no deductible applies)

Accidental damage or theft when the premises is commercially let to a third party (other than relatives);

The most insurers will pay for items of gold, silver, gold and silver plate, jewellery and pearls is £5,000 unless such items, pair or set are individually insured under the more relevant sections of the policy (part C & D).

The excess can be reduced to £50 for an additional £75.00

Part C Fine Art

You are covered for fine art, antiques, objet d’ art and items of gold, silver, gold and silver plate and other precious metals.

This attractive cover includes accidental damage or breakage covering physical loss or damage, restoration and any resulting depreciation in value following and insured peril whilst in your home or anywhere in the world.

We can also provide you with automatic coverage for new purchases you acquire anywhere in the world for up to 15% of your sum insured and giving you 60 days to notify Insurers.

In the event of a claim, our unique inflation protection clause enables works of art to increase in value by up to 200% of the original declared value when your policy incepted to take account of a rise in value that may have resulted since the last valuation. (For example the death of an artist). This is useful in respect of loss or damage to a single item, pair or set, however please note that the most that the insurer will pay is the total sum insured declared on the proposal form and schedule.

You only need to list those items, pairs or sets with a value in excess of £15000.

You are not covered for the following which is one of the main exclusions:

Loss or damage from unattended vehicles.

Part D Personal Possessions

You are covered for personal possessions including jewellery, furs, money, credit cards and pedal cycles. This extremely broad cover includes accidental damage and any physical loss or damage whilst anywhere in the world.

We can also provide you with automatic coverage for new purchases you acquire anywhere in the world for up to 15% of your sum insured and giving you 60 days to notify insurers.

You only need list those items, pairs or sets with a value in excess of £5,000.

The maximum sum insured for money is £250

The maximum sum insured for credit cards is £500

You are not covered for the following which are some of the main exclusions:

The deductible of £100 unless the claim exceeds £10,000 (when no deductible applies);

Damage to sports equipment whilst in use;

Loss of jewellery from your baggage unless such baggage was under your supervision and carried by you;

Loss or damage to pedal cycles which are not securely locked when they are left unattended.

UNDERWRITTEN BY NIG SKANDIA

Simply submit the completed application form or call Citymain direct on

01252 819504 and we will provide you with an immediate quotation.

We can also offer Family Legal Protection and Insured Property Assistance for and additional £29.75

You can be provided with a Home & Legacy Helpline for advice on any private legal problems at any time, 24 hours a day, 365 days a year.

Family Legal Protection provides a lawyer to represent you in legal disputes, after using the helpline to notify your claim.
Up to £25,000 legal fees are allowed per case, with no limit to the number of claims you can make.

You can also be provided with a 24 hour Home & Legacy priority service helpline.

This service will give you access to an emergency repair service for essential services and appliances, by approved tradesmen. Insurers will pay for the initial call-out charge, up to a total of £70, plus labour charges up to a total of £70. In addition they will pay for parts and materials up to a total of £100.

You will not be covered for the following which are some of the main exclusions.

Legal fees incurred without the Insurer’s prior agreement; Fines;

Consumer disputes over motor vehicles;

The first £30 of any legal fees;

Any system or equipment which has not been properly installed, maintained or repaired;

Replacement or adjustment to any decorative or cosmetic part of any equipment;

Lighting of boilers or the correct operation or routine of time or temperature controls.

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