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Hiscox Overseas 606 Home Insurance Policy wording

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Contents Introduction 2 General terms 3 Definitions 3 General conditions 5 General exclusions 6 What to do when a loss occurs 6 How much we will pay 7 Our claims promise 8 Section A buildings and tenant's
Contents Introduction 2 General terms 3 Definitions 3 General conditions 5 General exclusions 6 What to do when a loss occurs 6 How much we will pay 7 Our claims promise 8 Section A buildings and tenant's improvements 8 The cover * 8 Optional cover: accidental damage 11 Section B contents 11 The cover 11 Section C fine art and techniques 14 The cover 14 Section D valuables and personal effects 15 The cover 15 Section E your liabilities 16 The cover 16 Section F emergency travel 18 The cover 18 International clauses 19 French clauses 19 Portuguese clauses 21 Spanish clauses 32 Data Protection Information 37 Complaints procedure 38 * If your house is located in Portugal and it's under Propriedade Horizontal regime, please see notes in Section A, The cover, 1.A and the Portuguese clauses section / Introduction I am delighted that you have chosen Hiscox to protect your personal assets. We take our responsibility as the insurer of your house, contents, valuables or collections extremely seriously. I hope for both our sakes that you do not have a loss, but if you do, I want you to feel that we are there with all our energy to make you whole again. If you ever find any part of our service less than satisfactory, please do not hesitate to get in touch with me personally. Robert Hiscox Honorary President Hiscox Underwriting Ltd are authorised to issue insurance policies for us / General terms Please read this insurance document, together with any endorsements and the schedule, very carefully. If anything is not correct, please return it immediately. We will provide this insurance in return for the premium you have paid. Definitions Act of terrorism Words shown in bold type have the same meaning throughout this policy and are defined below. An act, including using or threatening to use force or violence, which: 1. is committed by a person or group of people, whether acting alone or in connection with an organisation or government; and 2. is for political, religious, ideological or similar reasons. This includes trying to influence a government or to frighten the public or any section of the public. Amount insured Buildings The most we will pay as shown in the schedule. Unless we say otherwise, the amount applies to each incident of loss and will be automatically restored to the full amount after we pay a loss provided you carry out our recommendations to prevent further loss or damage. Any permanent structure used for domestic purposes within the grounds of your home including: 1. fixtures and fittings; 2. lifts; 3. domestic fixed fuel tanks; 4. outbuildings and permanent structures; 5. gates, hedges and fences; 6. radio and television aerials, satellite dishes, their fittings and masts; all at the address shown in the schedule and which belong to you or for which you are legally responsible. We do not include within buildings: 1. any structure, or part of a structure, used for any business activity other than office work carried out by you or on your behalf, or the letting of your home; 2. any plant or tree, other than hedges*; 3. land or water. *The cover for your garden in Section A includes cover for plants and trees. Contents Household goods, clothing and personal property (including the personal property of permanent members of your household in full-time education while they are studying away from home), money, all of which belong to you or for which you are legally responsible. We do not include the following property within contents: 1. any item used for any business activity, other than office equipment used in the home; 2. motorised vehicles, and their accessories, other than domestic gardening equipment and wheelchairs; 3. caravans and trailers; 4. watercraft; 5. aircraft; 6. electronic data; 7. any animal, plant or tree; 8. land or water; 9. any part of the buildings. Endorsement Excess A change to the terms of the policy agreed by us in writing. The amount for which you are responsible as the first part of each agreed claim / Fine art Art, antiques and collectibles of particular value due to their age, style, artistic merit or collectibility including: 1. furniture; 2. paintings, drawings, etchings, prints and photographs; 3. tapestries and rugs; 4. manuscripts; 5. porcelain and sculpture; 6. stamps or coins forming part of a collection; 7. gold, silver, and gold- and silver-plated items; 8. clocks and barometers; all of which belong to you or for which you are legally responsible. We do not include valuables within fine art (valuables are defined below). We do not cover fine art which is business property. Fixtures and fittings All items that are fixed to and form part of the structure of the home including: 1. decorations including wall paper, murals and stencilling; 2. bathroom suites; 3. fitted kitchens; 4. flooring. Home Money Outbuildings and permanent structures Outdoor items Period of insurance Personal effects Policy Schedule Standard construction Tenant's improvements Unoccupied Valuables We/us/our The house or apartment at the address shown in your schedule, including the greenhouses, outbuildings and garages used for domestic purposes at the same address. Cash, cheques, bank drafts, travel tickets, traveller's cheques, current postage stamps, savings certificates, premium bonds or other negotiable documents. Outbuildings not attached to the main building, perimeter walls, retaining walls, terraces, patios, hard tennis courts, swimming pools, driveways, footpaths and other structures not used for living purposes (other than the main building). Garden furniture, ornaments, statues, and other similar items that are normally left outdoors. The time for which this policy is in force as shown in the schedule. Baggage, clothing, sports equipment, bicycles, portable computers and other similar items carried about the person, all of which belong to you or for which you are legally responsible. We do not include valuables and money within personal effects. This insurance document and the schedule, including any endorsements. The document showing your name, your address and your insurance details that we sent you when we accepted this insurance or following any subsequent amendment to your cover, whichever is the more recent. Built of brick, stone or concrete, and roofed with slate, tile, asphalt, metal or concrete. Improvements you have made to the fixtures and fittings (including decorations) and any radio and television aerials, satellite dishes and their fittings and masts that belong to you or for which you are legally responsible. This applies where you do not own or are not responsible for insuring the buildings. The home has not been lived in for 60 days in a row or does not have enough furniture to be lived in normally. Jewellery, gemstones, watches, furs and guns, which belong to you or for which you are legally responsible. The insurer named in the schedule / You/your General conditions The person named as the insured in the schedule and all permanent members of that person's household including the domestic staff who live in the home. The following conditions apply to the whole of this policy. Any extra conditions are shown in the sections to which they apply. 1. Information In deciding to accept this insurance and in setting the terms, we have relied on the information you have given us (including any information in the proposal form or declaration form). You must make sure that all information is accurate and that you have not withheld any facts that might have influenced our decision. If you are in any doubt, you should speak to us or your insurance agent. You must tell us about any change in circumstances which occurs before or during the period of insurance and which may affect this insurance. We may then amend the terms of this policy. If you are in any doubt, you should speak to us or your insurance agent. 2. Non-disclosure, misrepresentation and false claims If you have not told us about or have misrepresented any facts or circumstances which might affect our decision to provide insurance or the terms of that insurance, or you have made a false claim, we can refuse to pay a claim or we can treat this insurance as though it had never existed. 3. Unoccupied home You must tell us if the home is, or is likely to be, unoccupied. We may then amend the terms of this policy. 4. Building works If you intend to undertake any work to extend, renovate, build or demolish any part of the buildings and the estimated cost is more than 40,000, you must tell us about the work at least 30 days before the work starts and before you enter into any contract for the works. If you do not, we will not have to pay any claim caused by or resulting from the building works. You do not have to tell us if the work is for redecoration only. 5. Premium payment We will not make any payment under this policy unless you have paid the premium. 6. Correct amounts insured When accepting this insurance, we expect that the amounts insured will represent the full value of the property insured. 1. For buildings, the full value is the estimated cost of rebuilding if the buildings were destroyed (this is not the same as the market value), not including fees and extra expenses. We allow 15% of the cost of repairs for fees and extra expenses (see paragraph 6 of Section A buildings and tenant's improvements). 2. For tenant's improvements, the full value is the cost to repair or replace as new. 3. For contents, the full value is the current cost as new. 4. For fine art and valuables that are not listed individually in a specification, the full value is the replacement cost or current market value, whichever is the greater. Indexation: We will adjust the amount insured for buildings and contents at each renewal according to an appropriate index. However you should check your amounts insured when you renew your policy, to make sure that they reflect the full value of the buildings and contents. 7. Reasonable care You must take reasonable steps: 1. to protect the property insured under this policy and to keep it in good condition and repair; 2. to prevent accident or injury. If you do not, we will not have to pay any related claim. 8. Cancellation You may cancel this policy up to 14 days from the start of the contract (plus postage time) and receive a full premium refund. You may cancel this policy at any time by writing to us. If you have not made a claim, we will return any premium you have paid for any period of insurance left. We may cancel this policy by sending you 30 days' notice by recorded post to your correspondence address shown in the schedule. We will return any premium you have paid for any period of insurance left / However, we will not return any premium if the amount is less than 50. If you pay the premium by instalments and an instalment remains unpaid after 14 days, we may cancel this policy from the date the last instalment was due. 9. Third parties You and we are the only parties to this policy. Nothing in this policy is intended to give any person any right to enforce any term of this policy which that person would not have had but for the Contracts (Rights of Third Parties) Act Joint insureds The most we will pay is the relevant amount insured. If there is more than one of you, the total amount we will pay will not exceed the amount we would be liable to pay to any one of you. 11. Governing law Unless some other law is agreed in writing, this policy is governed by English law. If there is a dispute, it will only be dealt with in the courts of England. General exclusions The following exclusions apply to the whole of this policy. Any extra exclusions are shown in the sections to which they apply. This insurance does not cover the following: 1. loss, damage or liability arising out of a deliberate act by you or by anyone acting on your behalf. This exclusion does not apply to theft of insured property by domestic staff. 2. loss or damage caused by wear and tear or gradual deterioration, the use of unsuitable or defective materials or parts, rust or oxidation, moth or vermin, normal settlement, warping or shrinkage, rot, fungus, mould or infestation. 3. loss or damage caused by anything which happens gradually, including smoke and rising damp. 4. loss or damage caused by coastal or river erosion. 5. your liability arising out of transmission of a computer virus. 6. loss or distortion of information resulting from computer error or malfunction or computer virus. 7. loss caused by you not receiving goods or services you have paid for through any internet website. 8. loss of, or damage to, or the cost of replacing, any equipment, integrated circuit, computer chip, computer software or any other computer-related equipment arising directly from its failure to recognise, interpret or process correctly any date as its true calendar date or to continue to function correctly beyond that date. 9. loss, damage or liability arising directly or indirectly from nuclear reaction, nuclear radiation or radioactive contamination. 10. loss, damage or liability directly or indirectly caused by war, invasion, act of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power. 11. loss, damage or liability caused by or resulting from your property being confiscated, taken, damaged or destroyed by or under the order of any government or public or local authority. 12. any claim where you would be entitled to be paid under any other insurance if this policy did not exist, except for any excess above the amount that would be covered under the other insurance. What to do when a loss occurs How to make a claim The following claims conditions apply to the whole of this policy. You must tell us or your insurance agent as soon as possible about any incident which you may need to claim for under this policy. If you do not, we will not have to pay your claim. If you think a crime has been committed, you must also tell the police and obtain a claim reference number from them. You must prove the loss or damage has happened and give us all the co-operation we need. Temporary emergency repairs If temporary repairs are needed urgently to prevent further damage, you should arrange / for them to be done immediately. Keep the bills because they may form part of your claim. Before any other repair work begins we have the right to inspect the damaged property. We will tell you if we want to do this. Injury to someone or damage to their property Recovering a loss payment How much we will pay Section A buildings and tenant s improvements If someone is holding you responsible for injury or damage, you must immediately send to us or your insurance agent every letter of claim, claim form or correspondence you receive. You must not admit liability or make an offer or promise of payment without our written permission, otherwise we will not have to pay your claim. We may take over and deal with, in your name, the defence or settlement of any claim. We may pursue, in your name but at our expense, recovery of amounts we may become liable to pay under this policy. You must give us all the assistance we may reasonably require to do this. The basis upon which your claim will be settled is as follows. When we pay your claim, we will deduct the amount of the excess shown in the schedule. Buildings We will pay the cost of rebuilding or repairing the damaged building. We will normally expect you to carry out repairs, but if you and we agree that it is not reasonable to do this, we will pay you an amount which we both consider fair. The most we will pay is the amount insured. We will also pay any fees and extra expenses up to an amount equal to 15% of the insured cost of repairs to the buildings. Tenant's improvements We will at our option repair or replace the damaged parts. Section B contents We will decide whether to repair or replace the lost or damaged item or to make a cash settlement based on the replacement cost. We will not deduct any amount for wear and tear. The most we will pay is the amount insured. Specific limits The following amounts are part of the total amount insured for contents. The most we will pay for: 1. valuables, gold, silver, and gold- and silver-plated items is 7,500 in total for each incident of loss, but not more than 3,750 for any one item, pair or set. 2. outdoor items is 1,500 in total for each incident of loss, unless a higher amount is shown in the schedule. 3. money is 1,500 in total for each incident of loss. 4. title deeds and other personal documents is 1,500 in total for each incident of loss. Section C fine art and Section D valuables and personal effects Fine art and valuables If we repair a damaged item, we will also pay for any loss in value. The most we will pay in total is the amount insured for that item. If any items which have an increased value because they form part of a pair or set are lost or damaged, any payment we make will take account of the increased value. If we pay the full amount insured for an item, pair or set, we will then have the right to take possession of it. 1. For specified items individually listed in a specification held by us or your insurance agent. Fine art If the item is partly damaged, you may decide whether we repair, replace or pay the value of the damaged item. If the item is lost or destroyed, we will pay the value shown for that item in the specification. Valuables We will decide whether we repair, replace or pay the value of the damaged item / 2. For unspecified items not individually listed in a specification but included within the amount insured for fine art or valuables. We will decide whether we repair, replace or make a cash settlement for any lost or damaged item. If we choose to make a cash settlement we will pay the market value of the item on the date of loss. The most we will pay for any one item, pair or set is: a. 15,000 for fine art; b. 5,000 for valuables. The most we will pay in total for each incident of loss is the amount insured. Personal effects We will decide whether to repair or replace the lost or damaged item or to make a cash settlement based on the replacement cost. We will not deduct any amount for wear and tear. Our claims promise Section A buildings and tenant's improvements We pride ourselves on offering a service that is fast, efficient and helpful. If we do not pay your claim within ten working days after receiving your acceptance form, we will pay you interest, at your bank's base rate. We will only do this if your premium payments are up to date and the agreed claim is more than 4,000. We can only keep this promise if you give us your bank details at the time you sign the acceptance form. We can then transfer the money into your account. This promise cannot apply if you ask us to pay by another method. Please read your schedule to see if the buildings or tenant's improvements are covered. The General terms all apply to this section. The cover 1. Buildings and tenant s improvements What is insured The following covers are included automatically if the buildings are covered under this section. If only tenant's improvements are covered under this section, you are only insured for the cover in paragraphs 1, 2 and 3. The buildings or tenant's improvements are insured against physical loss or physical damage occurring during the period of insurance and directly caused by the following circumstances: A. Fire, lightning, explosion or earthquake. What is not insured The following extra exclusions also apply to the relevant cover. A. In accordance with the Portuguese law, in case your house is located in Portugal and it's under Propriedade Horizontal regime, all terms and conditions related with the cover for fire, lightning and explosion are defined in the section Portuguese clauses. B. Storm or flood. C. Weight of snow. D. Escape of water from and frost damage to fixed water tanks, apparatus and p
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