Home Contents Insurance

Question 1

Accident and accidental

Answer 1

A sudden identifiable violent external event that happens by chance and which could not be
expected; or unavoidable exposure to severe weather.

Question 2

Bedroom

Answer 2

A room used as or originally built to be a bedroom, even if it is now used for another purpose.

Question 3

Business equipment

Answer 3

Computers, keyboards, visual display units and printers, word processing equipment, desk-top
publishing units, fax machines, photocopiers, typewriters, computer-aided design equipment,
telecommunication equipment (not including mobile phones) and office furniture owned by you
or your family used for business purposes.

Question 4

Credit cards

Answer 4

Charge, cheque, credit, debit and cash cards held solely for private or domestic purposes.

Question 5

Downloaded electronic data

Answer 5

Non recoverable electronic data legally downloaded by you or your family from a legitimate
worldwide website, which you or your family have purchased and hold a valid receipt for.

Question 6

Excess

Answer 6

The first amount of each claim that you have to pay

Question 7

Heave

Answer 7

The upward or sideways movement of the site on which your buildings are situated caused by
swelling of the ground.

Question 8

High-risk property

Answer 8

Jewellery, precious stones, articles made from gold, silver and other precious metals, clocks, watches,
furs, photographic equipment, binoculars, telescopes, musical instruments, pictures and other works
of art, and collections of stamps, coins or medals. We regard pairs or sets of items as one item.

Question 9

High-risk property maximum claim limit

Answer 9

The most we will pay for any one claim for high-risk property within the home. The amount
varies and is shown on your schedule.
The limit applies within (not on top of) the sum insured for contents.

Question 10

Land slip

Answer 10

Sudden movement of soil on a slope or gradual creep of a slope over a period of time.

Question 11

Motor vehicles and craft

Answer 11

Mechanically propelled vehicles which includes motor cycles, quad bikes and children’s motor
cycles and quad bikes, trailers, aircraft, boats, sailboards and crafts designed to be used in or on
water, and the parts, spares and accessories of any of these other than:
• Vehicles used only as domestic gardening equipment within the boundaries of the land
belonging to your home
• Vehicles designed to help disabled people (as long as the vehicles are not registered for road use)
• Golf carts and trolleys
• Remote-controlled toys and models

Question 12

Settlement

Answer 12

The natural movement of new properties in the months and years after they are built.

Question 13

Subsidence

Answer 13

Downward movement of the site on which the buildings are situated by a cause other than the
weight of the buildings themselves.

Question 14

The European area

Answer 14

Europe, Madeira, the Canary and Mediterranean Islands and countries which border on
the Mediterranean.

Question 15

Vermin

Answer 15

Rats, mice, squirrels, birds, foxes, bees, wasps, hornets and other insects.

Question 16

your and your family’s contents are covered when they are:

Answer 16

• in the home
• outside but within the boundary of the home;
• in a building within the boundary of the home with an open front or side, such as a carport;
• anywhere else in the European area when temporarily away from your home.

Question 17

How is Electronic data covered

Answer 17

we will pay for the cost of replacing legally downloaded electronic data where such costs are
incurred by you, but only if no copies are available on other electronic or computer devices owned
by you or your family.

Question 18

For equipment used in connection with a business, the most we will pay for any one claim
is

Answer 18

£5,000 unless a different amount is shown in the schedule.

Question 19

For equipment used in connection with a business, the most we will pay for
any one item of such equipment is

Answer 19

£2,000 unless a different amount is shown in the schedule.

Question 20

The most we will pay for any one claim for loss of or damage to money is

Answer 20

£500 unless

a different amount is shown in the schedule.

Question 21

The most we will pay for any one claim for loss of or damage to deeds and documents is

Answer 21

£500

unless a different amount is shown in the schedule.

Question 22

The most we will pay for property in the open air or in a building that is open at the side or
front (such as a carport) is

Answer 22

£500 for any one claim unless a different amount is shown in the
schedule.

Question 23

The most we will pay for For hot tubs, Jacuzzis and spas the most we will pay is

Answer 23

£5,000 unless a different

amount is shown in the schedule.

Question 24

The most we will pay for property in an unsecured outbuilding (such as a garage or garden
shed) is

Answer 24

£5,000 unless a different amount is shown in the schedule.