J U Residential LY Property Owners · Welcome to Covéa Insurance Thank you for choosing Covéa...

ResidentialProperty OwnersPolicy

JULY 2017

coveainsurance.co.uk

All information in this Policy Booklet is correct at the time of printing July 2017), for full up to date information pleasevisit our website www.coveainsurance.co.uk

Welcome to Covéa Insurance

Thank you for choosing Covéa Insurance.

This is Your Residential Property Owners Policy.It sets out the details of Your insurancecontract with Covéa Insurance.

Your premium has been calculated upon theinformation shown in the Policy Schedule andrecorded in Your statement of fact.

Please read the Policy and Schedule carefullyto ensure that the cover meets Yourrequirements.

Please contact Your insurance broker if Youhave any questions or if You wish to make anyadjustments.

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Contents

Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

Customer Information

Contact Numbers . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Business Legal Helpline . . . . . . . . . . . . . . . . . . . . . . 4

Registration and Regulatory Information . . . . 4

Complaints Procedure . . . . . . . . . . . . . . . . . . . . . . . 5

Financial Ombudsman Service . . . . . . . . . . . . . . . 5

Financial Services Compensation Scheme . . . . 5

How We Use Your Information . . . . . . . . . . . . . . 5

How to Cancel Your Policy . . . . . . . . . . . . . . . . . . . 7

Choice of Law . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

Index Linking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

Meaning of Words . . . . . . . . . . . . . . . . . . . . . . . . 9

General Conditions . . . . . . . . . . . . . . . . . . . . . . . 13

General Exclusions . . . . . . . . . . . . . . . . . . . . . . . 20

Policy Cover

Section A – Buidings . . . . . . . . . . . . . . . . . . . . . . 22

Section B – Contents . . . . . . . . . . . . . . . . . . . . . . . 31

How to make a claim . . . . . . . . . . . . . . . . . . . . . 35

How we settle your claim . . . . . . . . . . . . . . . . 36

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IntroductionAbout Your Policy

The parts of the Policy are:

1. the Statement of Fact

2. the Schedule which confirms the Sectionsof Cover that are insured and anyEndorsements

3. this policy wording which contains:

(a) this Introduction, CustomerInformation and the Meaning ofWords, Conditions and Exceptions shallhave the same meaning throughoutthe Policy unless We state otherwise

(b) an individual section or any sectionEndorsement shall only have the samemeaning throughout such section orEndorsement unless We stateotherwise

Your policy is divided into a number ofSections. The Schedule shows the Sections ofthe policy that are operative. Where a Sectiondoes not apply Your Schedule will state that itis ‘Not Insured’

Any such word or expression given a specificmeaning shall be highlighted in bold text withinthe Policy Booklet.

In return for You having paid or agreed to paythe premium for the Period of Insurance, Wewill indemnify You, subject to the termscontained in or endorsed on the Policy, inrespect of loss, damage or liability or pay otherbenefits which fall within the operative sectionsof this Policy, provided that the loss, damage or

injury which gives rise to the claim occurs (or inthe case of Employer's Liability is caused)during the Period of Insurance and inconnection with the business.

The Schedule shows the sections of the Policythat are operative.

IMPORTANT

This Policy is a legal contract.

You have a duty to make a fair presentation ofthe risk which is covered by this Policy.Therefore You should ensure that anyinformation You have provided to Us and thecontent of any application form, declarationand / or statement of fact is accurate andcomplete. Where You have provided Us withinformation which relates to matters of Yourexpectation or belief, it does not matter if suchinformation turns out to be inaccurate providedthat You acted in good faith when Youprovided Us with such information. If You donot comply with Your duty to make a fairpresentation of the risk, Your Policy may not bevalid or the Policy may not cover You fully or atall.

You must also tell Us about any facts orchanges which affect Your insurance andwhich have occurred either since the Policystarted or since the last renewal date.

If You are not sure whether certain facts arerelevant please ask Your insurance broker. IfYou do not tell Us about relevant changes,

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Your Policy may not be valid or the Policy maynot cover You fully or at all.

You should keep a written record (includingcopies of letters) of any information You giveUs or Your insurance broker.

IntroductionAbout Your Policycontinued

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Customer Information

Business Legal HelplineAs a Covéa Insurance Policyholder should Yourequire advice or guidance on any businesslegal problem You may use the following 24-hour Telephone Helpline at any time withinthe period of this Policy.

Eurolaw Legal Advice Service – the advice given is free of charge

This helpline gives You confidential legaladvice on any personal legal problem, underthe laws of the member countries of theEuropean Union, the Isle of Man, the ChannelIslands, Switzerland and Norway. This service isprovided by DAS Legal Expenses InsuranceCompany Limited. To contact this servicetelephone 0330 024 2612.

Registration and RegulatoryInformationInsurance cover is provided by CoveaInsurance plc. Registered in England and WalesNo. 613259. Registered office: Norman Place,Reading, Berkshire RG1 8DA.

Covea Insurance plc is authorised by thePrudential Regulation Authority and regulatedby the Financial Conduct Authority and thePrudential Regulation Authority. Our FirmReference Number is 202277.

You can check this on the Financial ServicesRegister by visiting the FCA’s websitewww.fca.org.uk/register or by contacting theFCA on 0800 111 6768.

Property Careline0330 024 2255

Contact Numbers

You can contact Us to report a claim using anyof the following methods.

Covéa Insurance Property Careline –24 hours a day, 365 days a year

• Telephone Covéa Insurance on0330 024 2255

• Fax – 0330 024 2613

• Email – [email protected]

• For Online Claims Assistance completeOur Online Claims Form atwww.coveainsurance.co.uk/reportclaim

See pages 35-37 for full details of how to makea claim and how We settle Your claim.

Covéa Insurance Property Careline is aUK-based service.

Our staff are highly trained and can confirmwhether Your Policy covers You for theincident.

Please have Your Policy number to hand whenphoning.

In the event of You wishing to make a claimYou must follow the procedures We havedetailed in this Policy, failing which We will notbe liable for Your claim.

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Complaints ProcedureIt is always Our intention to provide a first classstandard of service. However We do appreciatethat occasionally things go wrong. In somecases the broker who arranged Your insurancewill be able to resolve any concerns, particularlyif Your complaint relates to the way the Policywas sold and You should contact them directly.

Alternatively please contact Us using thefollowing details quoting Your Policy or claimnumber.

Customer Relations, Covéa Insurance, Norman Place, Reading, Berkshire RG1 8DA.Telephone: 0330 221 0444Website: www.coveainsurance.co.ukEmail:[email protected]

Full details of the Covéa Insurance InternalComplaints Procedure are detailed in Ourleaflet ‘Complaints Procedure’ which isavailable on request or may be downloadedfrom Our website atwww.coveainsurance.co.uk/complaints.

Financial Ombudsman ServiceYou may be eligible to refer Your complaint tothe Financial Ombudsman Service. There are afew instances where they will not be able toassist and they will confirm if Your complaint iseligible when You contact them. Their contactdetails are:

Financial Ombudsman ServiceExchange Tower,Harbour Exchange Square,London E14 9SRwww.financial-ombudsman.org.ukEmail: [email protected]

Financial Services Compensation Scheme (FSCS)We are covered by the Financial ServicesCompensation Scheme. You may be entitled toreceive compensation from the scheme if Wecannot meet our obligations.

Further information is available from theFinancial Services Compensation Scheme,10th Floor, Beaufort House, 15 St BotolphStreet, London EC3A 7QU.Telephone: 020 7741 4100Email: [email protected]: www.fscs.org.uk

How We Use Your InformationThe personal information, provided by You, iscollected by or on behalf of Covéa Insuranceand may be used by Us, Our employees,agents and service providers acting under Ourinstruction for the purposes of insuranceadministration, underwriting, claims handlingand for research, or statistical purposes.

We may also share Your information withreinsurers and regulators, as required by law.

Customer Informationcontinued

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From time to time We may need to undertakesome of the processing of Your data incountries outside of the European EconomicArea, and in such cases We will ensure thatthere is an agreement in place which givesequivalent assurances as found in the DataProtection Act 1998.

We will not use Your information or pass it onto any other person for the purposes ofmarketing further products or services to You.

We will collect sensitive information whendealing with Your Policy; We will however onlycollect information that is relevant to YourPolicy, its administration or claims handling.

Your personal information will be kept secureat all times.

Fraud Prevention and Detection

In order to prevent or detect fraud We willcheck Your details with various fraudprevention agencies, who may record a search.Searches may also be made against otherinsurers’ databases. If fraud is suspected,information will be shared with those insurers.Other users of the fraud prevention agenciesmay use this information in their own decisionmaking processes. We may also conduct creditreference checks in certain circumstances. Youcan find out further details explaining how theinformation held by fraud prevention agenciesmay be used or in which circumstances Weconduct credit reference checks and how these

checks might affect Your credit rating bycontacting Us.

Disclosure of Other People’s PersonalInformation

You should show this notice to anyone whosepersonal information You provide to Us. Youmust ensure that any such information Yousupply relating to anyone else is accurate andthat You have obtained their consent to theuse of their data for the purposes set outabove.

Your Rights

Under the Data Protection Act 1998 You havethe right of access to the personal informationheld about You by Covéa Insurance. You canexercise this right by contacting Us. We willmake a charge of £10 for dealing with theserequests.

You have the right to request that We correctany inaccuracies in the personal informationWe hold about You. Please contact Yourbroker or Us, if Your personal informationneeds updating.

Consent

By providing Us with information, You alsoprovide Us with Your consent and that of anyother person whose information You provide,to the personal information being used for thepurposes set out above.

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How to Contact Us

If You would like some more detailedinformation on how We share Yourpersonal information, please visitwww.coveainsurance.co.uk/dataprotection

If You have any concerns about Our use ofYour information please write to CustomerRelations, Covéa Insurance, Norman Place,Reading, Berkshire RG1 8DA. Telephone: 0330221 0444. If You contact Us by telephoneYour call may be recorded for training andevidential purposes.

How to Cancel Your PolicyIf You do not want to accept the Policy Youhave the right to cancel it within 14 days fromthe date of purchase of Your Policy or the dayYou receive Your Policy documentation,whichever is later. To do this You must returnthe Policy documentation to Your broker whengiving Your instruction to cancel.

If cover has not yet started a full refund will begiven. If cover has started We will refund thepremium for the exact number of days left onthe Policy, less an additional charge of £25 plusthe prevailing rate of Insurance Premium Taxas stated on Your Policy Schedule. No refundwill be given if a claim has been submitted orthere have been any incidents likely to give riseto a claim during the current Period ofInsurance. We will also do this if You want tocancel the Policy within 14 days after therenewal date.

You may cancel the Policy at any other time bycontacting Your broker.

If You cancel Your Policy after 14 days and aclaim has been submitted or there have beenany incidents likely to give rise to a claim duringthe current Period of Insurance, We will notrefund any part of the premium. If You have aLoan Agreement with Us, all outstandingmonies must be paid to Us as described inYour Loan Agreement.

If no claims have been submitted and therehave been no incidents that are likely to giverise to a claim during the current Period ofInsurance, We will refund the premium for theexact number of days left on the Policy less anadditional charge of £25 plus the prevailingrate of Insurance Premium Tax as stated onYour Policy Schedule.

For our rights to cancel Your Policy please referto Conditions applicable to all Sections. Item14. Our Rights to Cancel the Policy of thisPolicy Booklet.

Choice of LawThe parties to an insurance contract are free tochoose the law that will apply. Unless We agreein writing with You otherwise, this insuranceshall be subject to the law applying in that partof the United Kingdom, Channel Islands or Isleof Man where You have Your principalresidency. If there is any dispute, the law ofEngland and Wales shall apply.

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Index LinkingThe Buildings sum insured is automaticallyadjusted in line with changes in the HouseRebuilding Cost Index issued by the RoyalInstitution of Chartered Surveyors or analternative appropriate index.

The Contents sums insured are automaticallyadjusted in line with changes in the Retail PriceIndex or an alternative appropriate index.

You will be told at each renewal date of therevised sums insured.


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Meaning of Words

Certain words have specific meanings whenthey appear throughout this Policy. They areprinted in bold type.

Bodily injuryDeath, illness, injury, disease or shock.

BuildingsThe Building or Buildings stated on theSchedule for which You are legally responsible,including:

• permanent Fixtures and Fittings includingalarm systems;

• central heating fuel tanks and meters (butnot the contents of the meter);

• cesspits and septic tanks;

• drives, fences, gates, hedges, lampposts,paths, patios, railings, terraces and walls;

• outbuildings;

• fitted carpets, laminate, vinyl and woodenfloor coverings;

• fixed hot tubs and jacuzzis;

• greenhouses and sheds;

• hard tennis courts, fountains, ornamentalponds and sunken swimming pools;

• wind turbines and solar panels permanentlyfixed to the Premise;

all situated at the risk address shown on YourPolicy Schedule.

Buildings does not include land, plants, shrubsand trees.

Contents• appliances;

• furniture and furnishings;

• household goods;

all belonging to You as landlord for the use ofYour Tenant or for the use in connection withthe maintenance of the Premise whilst at therisk address shown on Your Policy Schedule.

Contents does not include

• aircraft, bicycles, caravans, motor vehicles,trailers, watercraft and their accessories;

• any part of the structure, decorations(including works of art) or Fixtures andFittings;

• documents and money;

• property and tools used for business purposes;

• property belonging to any Tenant;

• property in the open;

• property stored by You in the Premise that isnot for the use of Your Tenant.

DamageLoss destruction or damage unless otherwiseexcluded

Defined Peril1. Fire

2. Lightning

3. Explosion

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Meaning of Wordscontinued

4. Aircraft or other aerial devices or articlesdropped therefrom

5. Earthquake

6. Riot, civil commotion, strikers, locked-outworkers, persons taking part in labourdisturbances

7. Malicious persons other than thieves

8. Theft

9. Storm

10. Flood

11. Escape of Water from any tank orapparatus or pipe

12. Escape of oil from any fixed heatinginstallation

13. Impact by any road vehicle or animal

EmployeeAny person employed by You as propertyowner undertaking maintenance, repairs ordecorations in connection with the Buildingscovered by this Policy, who is:

1. under a contract of service orapprenticeship with You

2. a person under a contract of service orapprenticeship with some other employerand who is hired to or borrowed by You

3. a labour master or labour only sub-contractor or person supplied by them

4. a self-employed person providing labouronly

5. a trainee or person undergoing workexperience, training, study or exchangescheme

6. a voluntary helper

EndorsementAny change to the terms of the Policy or theacceptance of the insurance cover providedwhich will be shown on Your Policy Schedule.

ExcessThe amount set out in the Policy Schedule orspecified in the relevant section of this PolicyBooklet for which You will be responsible andwhich will be deducted from each and everyclaim.

There are three types of Excess as follows:

• Policy Excess: This is the standard Excesswhich is applied to all policies and forms partof the Policy terms.

• voluntary Excess: This is selected by You andapplied in addition to the Policy andcompulsory Excess.

• compulsory Excess: Applied by Us.

Fixtures and fittings• boilers, central heating equipment, ducts,fires, fixed pipes, storage heaters and tanks;

• built in domestic appliances, furniture andkitchen units;

• cables, light fittings, switches and wires;

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• fitted aerials, masts and satellite receivingequipment;

• fixed glass and sanitary ware.

HeaveUpward movement of the ground beneath theBuildings as a result of the soil expanding.

LandslipDownward movement of sloping ground.

Period of insuranceThe Period of Insurance stated in theSchedule and any subsequent period for whichWe have accepted a renewal premium.

PremisesThe Buildings or part of the Buildings and theland inside the boundary of the risk addressshown in the Schedule owned by You or forwhich You are legally responsible.

Unless described differently by an Endorsementto this Policy Booklet, the Premise must be:

• built of brick, stone or concrete walls;

• roofed with slates, tiles, concrete or metaland not more than 20% of the total externalroof area either felt covered or flat.

Property Insured1. Buildings

2. Contents

Or as specified in the Schedule

Redecoration• installation, repair or replacement of

Fixtures and Fittings;

• internal decorating, painting and tiling;

• internal joinery and plastering;

• window replacement.

RentThe amount paid or payable to You for the useof the Premise and its services as stated in thetenancy agreement.

ScheduleThe document that specifies Your details, thePremises, the Property Insured and anyExcess, Endorsement(s) and Conditionsapplicable. The Schedule shows the Sections ofthe policy that are operative.

SettlementDownward movement as a result of the soilbeing compressed by the weight of theBuildings within ten years of construction.

Statement of FactThis is a record of the information that Youprovided to Us about You upon which Yourinsurance quotation is based.

SubsidenceDownward movement of the ground beneaththe Buildings other than by Settlement.

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TenantThe person or persons legally occupying thePremise as stated in the tenancy agreement.

Territorial LimitsGreat Britain, Northern Ireland, the Isle of Manand the Channel Islands.

UnfurnishedWithout enough furniture and furnishings fornormal living purposes.

Unoccupied or VacantBuildings or part thereof that have becomeunoccupied, untenanted or which have notbeen actively used for a period of more than 60consecutive days.

We, Us or OurCovea Insurance plc.

You or YourThe person(s) or Company named in theSchedule.

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General Conditions

You must comply with these conditions. Theycontrol the operation of the policy cover andapply to all Sections of this policy unless statedotherwise.

1. Taking CareYou must take all reasonable care to preventloss, Damage, accidents or injury and toprotect and maintain the Premise which iscovered by this insurance.

2. Alteration in RiskYou or Your broker must tell Us immediately ifduring the Period of Insurance there is anyalteration in risk or to the facts which Youdisclosed when You took out this Policy, whichmaterially affects the risk of injury, loss,damage or liability which would fall within thePolicy cover. This includes but is not limited toalterations to the business or the Premises.

When You tell Us about an alteration in risk,We may apply additional terms and conditionsto this Policy (including but not limited topremium) or, if the risk is unacceptable to Us,We may cancel the Policy in accordance withCondition 14 Our Rights to Cancel the Policy.

If an alteration creates an additional premium,this will be subject to a minimum premium of£10 plus insurance premium tax. If as a resultof an alteration You are due a refund ofpremium, amounts under £10 (plus theprevailing rate of Insurance Premium Tax) willnot be refunded, to cover administration costs.

For example We need to know:

(a) of a change of risk address;

(b) if the Premises becomes Unoccupied orunfurnished;

(c) if the Premises is let to the Local Authorityor Council or a Housing Association or aCharitable Organisation;

(d) if the Premises is occupied by more than 6unrelated Tenants;

(e) if the terms and/or conditions of thetenancy agreement relating to thePremises are changed;

(f) if the Premises is being used for businessor professional purposes, other than for thepurpose of letting;

(g) if the Premises is undergoing structuralalteration, structural repair, restoration orrenovation;

(h) if the Premises is not in a good state ofrepair;

(i) if the rebuilding cost of the Premises or thereplacement values of the Contentsexceed the sums insured shown in YourPolicy Schedule;

(j) if You are convicted of or receive a policecaution for any offence other than drivingoffences.

(k) if You have been declared bankrupt or aresubject to bankruptcy proceedings;


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General Conditionscontinued

(l) if any of the information provided andrecorded in the statement of insurance haschanged.

If You fail to tell Us about an alteration in risk,We may:

(a) terminate the Policy back to the date whenthe alteration occurred, if We would havecancelled the Policy had You told Us of thealteration in risk;

(b) proportionately reduce the amountpayable in respect of a claim; and/or

(c) treat the Policy as if it contained suchdifferent terms (other than relating to thepremium) that We would have applied tothe Policy had You told Us of the alterationin risk.

Any reduction in claims payments orapplication of different terms will take effectfrom the date on which the alteration in riskoccurred.

Where We elect to proportionately reduce theamount payable in respect of a claim, We willpay a percentage of the claim, the percentagebeing calculated by comparing the premiumwhich You actually paid with the premiumwhich We would have charged had You toldUs about the alteration in risk. For example, ifthe premium which You actually paid is 70% ofthe premium We would have charged, We willonly pay 70% of any claim.

3. Fair Presentation of the Risk You must make a fair presentation of the riskwhen You first take out this Policy and alsowhenever You renew it or ask Us to changeYour cover.

If You fail to make a fair presentation of therisk including failing to disclose ormisrepresenting a material fact, or disclosingmaterial facts to Us in a way which is not clearand accessible:

We may avoid this Policy and refuse all claimswhere:

(a) such failure was deliberate or reckless; or

(b) we would not have entered into this Policyon any terms had You made a fairpresentation of the risk.

Should We avoid this Policy We:

(a) shall treat the Policy as if it had not existedfrom the start date, the renewal date, orthe date when You asked Us to changeYour cover, depending on when the failureto make a fair presentation of the riskoccurred

(b) shall return the premium paid for theperiod for which the Policy is treated as nothaving existed unless the failure to make afair presentation of the risk was deliberateor reckless

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(c) may deduct from any return of premiumdue to You any monies already paid inrespect of claims falling within the periodfor which the Policy is treated as not havingexisted or require You to repay such claims.

Provided that any failure to make a fairpresentation of the risk is not deliberate orreckless, if We would have entered into orrenewed this Policy, or agreed to make changesto Your cover on different terms had Youmade a fair presentation of the risk, We may:

(a) proportionately reduce the amountpayable in respect of a claim; and/or

(b) treat the Policy as if it contained suchdifferent terms (other than relating to thepremium) that We would have applied tothe Policy had You made a fairpresentation of the risk.

Any reduction in claims payments orapplication of different terms will take effectfrom the date on which the Policy started, wasrenewed or when changes were made to Yourcover, depending on when You failed to makea fair presentation of the risk.

Where We elect to proportionately reduce theamount payable in respect of a claim, We willpay a percentage of the claim, the percentagebeing calculated by comparing the premiumwhich You actually paid with the premiumwhich We would have charged had You madea fair presentation of the risk. For example, ifthe premium which You actually paid is 70% of

the premium We would have charged, We willonly pay 70% of any claim.

Where this Policy provides benefits toindividuals who would, if they had taken outsimilar insurance in their own name, have doneso for purposes wholly or mainly unconnectedwith their trade, business or profession, We willnot rely on this condition if the failure to makea fair presentation of the risk concerns onlyfacts or information which relate to thatparticular individual, unless the individual (orYou on their behalf) makes a carelessmisrepresentation, in which case We may relyon this condition as against that particularindividual as if a separate insurance contracthad been issued to them leaving the remainderof the Policy unaffected.

4. Fraudulent ClaimsFor the purposes of this condition the definitionof ‘You or Your’ will also include any personwho is entitled to benefit from the Policy to theextent that a claim is made by or on theirbehalf.

If You or anyone acting on Your behalf makesa claim which is in any way fraudulent We:

(a) will not pay the claim;

(b) may recover from You any sums alreadypaid by Us in respect of the claim; and

(c) may notify You that We are treating thisPolicy as having terminated with effectfrom the time of the fraudulent act.



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If We do treat this Policy as having terminated,You will have no cover under this Policy fromthe date of termination and will not be entitledto any refund of premium.

Where a fraudulent claim is made by or onbehalf of a person who is not the Insured, thiscondition applies only to that person's claimand references to 'this Policy' should be read asif they were references to the cover for thatperson alone and not to the Policy as a whole.

Fraudulent claims include but are not limitedto:

(a) making a claim which is fraudulent,fictitious or known to be false

(b) intentionally exaggerating or inflating aclaim

(c) supporting a claim with false or forgeddocuments, information or statements

(d) wilfully causing loss, damage or injury

5. Untenanted Property Whenever the Premises is untenanted formore than 14 consecutive days then You must:

(a) Inspect the Premises internally at leastonce a week.

(b) During the months of October to Marchinclusive turn off the water at the mainsand drain the system or leave the centralheating system in full operation tomaintain a minimum temperature of atleast 10˚ Celsius throughout the Premises.

(c) Put all security devices for securing externaldoors, windows and fanlights into full andeffective operation.

6. UnoccupancyIf You know that Your Premises is not goingto be lived in by a Tenant for more than 60days in a row, You must advise Your broker orUs immediately, in order to provide Us with theopportunity to review the risk.

When Your Premises is not lived in by aTenant for more than 60 days in a row We willregard Your Premises as Unoccupied. Inthese circumstances We will not provide fullcover as stated under the policy sectionsapplicable and the stated restrictions will apply.Regular visits to the Premises externally orinternally and occasional overnight stays byYou or someone with Your permission will notconstitute normal occupancy of the Premisesand the restrictions on the policy will apply.

7. Building workIf You are planning to have any structural workundertaken at Your Premises, for example anextension, demolishing any walls, renovation orany form of building work, You must tell Yourbroker or Us about any plans at least 7 daysbefore the work commences.

We will then assess the risk and provide anyterms to the policy We deem necessary. Wewill not pay any claim for loss or damagecaused by and/or arising either directly or

17


indirectly due to the building work taking place,without prior agreement.

You do not need to inform Your broker or Us ifYou are undertaking redecoration only.

8. Other Insurance If You claim under this policy for somethingwhich is also covered by another insurancepolicy, We will only pay our share of the claim.You must give Us full details of the otherinsurance policy.

9. Joint InsuredIf more than one insured is named on thePolicy Schedule, either named insured mayamend the policy, submit a claim or discuss anexisting claim with Us. If an insured named onthe Policy Schedule is to be removed, We willonly accept authority from the person beingremoved, or by a court order or writtenagreement from the insured’s personalrepresentative.

10. Personal Representatives If You die We will continue this insurance forthe interest of Your personal representativesfor the rest of the current Period of Insuranceprovided that they:

(a) Advise Us as soon as possible of Yourdeath.

(b) Fulfil, observe and be subject to all theterms of this policy as far as they can apply.

11. Contracts (Rights of ThirdParties) Act 1999No third party will have, or be able to enforceany term of this policy under the Contracts(Rights of Third Parties) Act 1999. This does notaffect the rights or remedies available to a thirdparty, apart from this Act.

12. Maintenance/SafetyRequirementsAs the landlord of a residential property Youhave a duty of care to Your Tenant and arerequired to comply with relevant Health andSafety legislation.

All gas and electric appliances and installationsat the Premises must be regularly inspected byYou or a responsible person acting on Yourbehalf as required by the appropriatelegislation and repaired, replaced, maintainedor serviced as necessary to ensure good order.

A record of such inspections/work undertakenshould be kept to produce to Us upon request.

13. ClaimsIt is a condition precedent to Our liability thatwhen circumstances arise which might give riseto You making a claim under this policy, Youmust:

• tell Us as soon as reasonably possible;

• tell the local police immediately You becomeaware of or suspect theft, attempted theft ormalicious damage and keep a note of anyreference number given to You;


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• take all reasonable steps to recover anyproperty which has been lost;

• send Us at Our expense, all the documentsand information (including written estimatesand proof of value or ownership) We mayrequest from You.

You must not:

• pay, offer or agree to pay any amount oradmit responsibility without Our permission;

• abandon any property to Us unless Youhave Our permission;

• carry out any permanent repairs or disposeof any damaged items until We have beengiven the opportunity to inspect the damage.

We will not pay any claims under this policyunless You have kept to the above conditions.

We may:

• enter any building where loss or damage hashappened;

• take control of the remains of any propertyinsured by the policy for which We haveagreed to pay a claim and deal with them ina reasonable manner;

• take over, defend or settle a claim madeagainst You or at Our own expense, takelegal action in Your name to get back anypayment We have made under this policy.

For further information please refer to How tomake a claim and How we settle your claimsections of this Policy Booklet.

14. Our Rights to Cancel the PolicyWe or any agent appointed by Us and actingwith Our authority have the right to cancelYour policy, where there is a valid reason fordoing so. We will give You fourteen days noticeof cancellation in writing, by recorded delivery,to the latest address We have for You and willset out Our reason for cancellation in Ourletter.

Valid reasons may include but are not limitedto:

1. not

(a) paying a premium when it is due

(b) co-operating with Us, or sending Usinformation or documentation thatmaterially affects Our ability to processthe Policy or Our ability to defend Ourinterests

(c) exercising Your duty of care as requiredunder the Taking Care condition in theConditions section of this PolicyBooklet.

and failing to put this right when We askYou to by sending You seven days writtennotice to Your latest address.

2. use of threatening or abusive behaviour orlanguage, or intimidation or bullying of Ourstaff or suppliers.

If We cancel Your Policy, We will refund thepremium for the exact number of days left onthe Policy less an additional charge of £25 plus

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the prevailing rate of Insurance Premium Taxas stated on Your Policy Schedule.

If a claim has been submitted or there havebeen any incidents likely to give rise to a claimduring the current Period of Insurance, Wewill not refund any part of the premium.

If You have a Loan Agreement with Us to payfor Your insurance, outstanding monies maybe owed when Your Policy is cancelled. Theymust be paid to Us as described in Your LoanAgreement.

For Your rights to cancel the Policy please referto Customer Information “How to Cancel YourPolicy” section of this Policy Booklet.

15. Terms Not Relevant to ActualLossIf payment of a claim is conditional uponcompliance with any term of this Policy We willnot pay for any claim where the term has notbeen complied with except where the termconcerned:

(a) is operative only in connection withparticular Premises or locations;

(b) is operative only at particular times; or

(c) is intended to reduce the risk of particulartypes of injury, loss, damage or liability.

16. Seventy-two Hour ClauseDamage caused by Storm, Flood, orEarthquake if insured hereby occurring withineach and every separate period of Seventy-twohours during the currency of this Section will bedeemed to be one occurrence in determiningthe application of any deductible or the Excess.


20

Exclusions are the events, liabilities or propertyWe do not cover under the Policy.

We will not pay for:

1. Radioactive ContaminationAny expense, loss, Bodily Injury, liability ordamage to any property directly or indirectlyarising from:

(a) ionising radiation or contamination byradioactivity from any nuclear fuel or fromany nuclear waste from the combustion ofnuclear fuel;

(b) the radioactive, toxic, explosive or otherhazardous properties of any nuclearassembly or nuclear component.

2. Sonic BoomsAny loss or damage arising directly frompressure waves caused by aircraft and otheraerial devices.

3. War RisksLoss, damage or liability which is the direct orindirect result of any of the following:

War, invasion, act of foreign enemy, hostilities(whether or not war is declared), civil war,rebellion, revolution, insurrection, military orusurped power.

4. Events Before the Policy StartedLoss, damage or liability arising out of anyaccident or incident that happened before thisPolicy started.

5. Deliberate ActsLoss, damage or liability arising from anyaccident, injury, loss or damage causeddeliberately, maliciously, wilfully, recklessly orthrough the criminal act of You, Your family orEmployees.

6. Reduction in ValueAny reduction in market value following repairor replacement paid for under this Policy.

7. DeceptionAny loss or damage caused by deception,unless the only deception is gaining entry tothe Premises.

8. Business Property and Legal Liability Loss or damage to any property owned by, heldin trust or primarily used for any business, tradeor profession. Any legal liability arising directlyor indirectly from any business, trade orprofession, other than as property owner.

9. ConfiscationAny loss, damage or liability caused byconfiscation, detention or seizure by:

(a) customs, police or other officials;

(b) order of any court of law;

(c) any statutory or regulatory authority.

General Exclusions

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10. Pollution or ContaminationAny loss, damage or liability arising frompollution or contamination unless directlycaused by a sudden and unforeseen andidentifiable incident occurring during thePeriod of Insurance.

11. Date Change and Computer VirusesAny loss, damage or liability arising from:

(a) the failure of a computer chip, computersoftware or any other electronicequipment to recognise a true calendardate;

(b) computer viruses.

12. TerrorismLiability, loss or damage caused directly orindirectly by an act of terrorism as defined inthe Terrorism Act 2000 except for loss ordamage to Your Premise from a cause insuredby this Policy, provided the loss or damage, costor expense does not arise out of the use ofbiological, chemical and/or nuclear force orthreat thereof.

13. Wear and TearLoss or damage caused by wear and tear oranything which happens gradually.

General Exclusionscontinued


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Policy CoverSection A – Buildings

Your Schedule shows if this section applies to Your Policy.

We will pay for We will not pay for

Loss or damage to Buildings caused by: • The Excess which is shown on YourSchedule under all paragraphs of thissection except paragraph 22;

• Note paragraph 10 has a higher Excessof £1,000;

• Wet or dry rot;

• Loss or damage due to any graduallyoccurring cause.

1. Fire, explosion, lightning or earthquake.

2. Smoke.

3. Riot, civil commotion, strikes, labour or political disturbances.

4. Malicious Acts. Loss or damage caused while the Property

Where loss or Damage is caused by legal is Unoccupied.

Tenants or guests the most We will pay is £5,000 less any amount recoverable from any security deposit lodged by the Tenant.

5. Storm or flood. Loss or damage:

• caused by frost;

• to gates, hedges and fences;

• caused by a rise in the water table orother gradually occurring cause.

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Policy CoverSection A – Buildingscontinued



6. (a) Water escaping from any fixed domestic Loss or damage caused while the water or heating installation, washing Premises is Unoccupied.machine, dishwasher, refrigerator, freezer or fixed fish tank;

(b) Oil escaping from any fixed domesticheating installation.

7. (a) Theft or attempted theft, following Loss or damage caused:forcible and violent entry to or from the • by persons lawfully on the Premises;Premises.

• while the Premises is Unoccupied.(b) Theft of fixed fabric of the Buildings for

which You own or are legally responsible for, including fixed external CCTV equipment and security lighting up to £25,000 in any one Period of Insurance

8. Collision by:

(a) Aircraft or other aerial devices or items dropped from them;

(b) Vehicles or animals. (b) Loss or damage caused by pets andlivestock.

9. (a) Falling aerials (including satellite dishes)their fittings and masts;

(b) Falling trees or branches.

We will also pay the cost of removing them if they have caused Damage insured by this section to the Buildings.


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10. Subsidence or ground Heave of the The first £1,000 of each claim.site that the Buildings stand on or Damage caused by or resulting from:Landslip. • coastal or river erosion;

• faulty design, workmanship or the use ofdefective materials;

• demolition, structural alteration or repair tothe Buildings;

• the movement of solid floor slabs unless thefoundations beneath the external walls ofthe Premises are damaged at the sametime and by the same cause;

• the bedding down of new structures,Settlement, shrinkage or expansion;

• the action of chemicals or chemical reaction.Damage:• to walls, gates, fences, paths, drives, terraces,patios, swimming pools, tennis courts,cesspits, septic tanks, central heating fueltanks unless the Premises is damaged at thesame time and by the same cause;

• for which compensation is provided by theNational House Building Council Scheme, orother similar guarantee.

11. Frost DamageFrost damage to interior fixed Damage caused while the Premises is domestic water or heating installations Unoccupied.in the Premises.

12. Glass, Sanitary Ware and Ceramic HobsAccidental breakage of ceramic hobs Breakage caused while the Premises is in fixed appliances if fitted, fixed glass Unoccupiedand sanitary ware all forming part of the Premises.

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13. Cables, Pipes and Tanks

Accidental Damage for which You are The cost of clearing blocked drains unlesslegally responsible to any cables, the blockage is caused by damage to theunderground service pipes, drains or fabric of the drains insured by this section.underground tanks servicing the Premises. Damage caused to pitch fibre drains and

by any inherent defect in the design,construction or installation of the drains.

14. Trace and Access

Following damage insured by paragraph 6We will also pay the costs You incur in locating the source of the damage subsequently making good up to £25,000 any one Period of Insurance.

15. Additional Costs

Following damage insured by this section Costs or fees for preparing and handling a with Our consent We will pay: claim under this section.

• the costs of complying with any Costs of complying with requirements government or local authority that You were given notice of before the requirement; damage occurred.

• fees to architects, surveyors and Costs for undamaged parts of the consulting engineers; Buildings except the foundations of the

• legal fees; damaged parts.

• the cost of clearing the site and making it and the Premises safe.

The following covers are also included in this Section



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16. Temporary Accommodation and Loss ofRent

If Your Premises is uninhabitable due todamage insured by this section We willpay for:

• the reasonable extra cost of similartemporary accommodation for theTenant;

or

• Rent which should have been paid toYou; until the Premises is fit forhabitation again.

The most We will pay is 33.3% of theBuildings sum insured by this sectionunless loss or damage is caused bymalicious acts by legal Tenants or guestswhereby the most We will pay is £5,000 orthree months Rent, whichever is the less.

17. Moving property

If You are selling the Premises We willinsure the buyer under this sectionbetween the date of exchange ofcontracts, or conclusion of missives, andthe completion date unless the buyer hasarranged his own insurance.

In order for this cover to apply, formalcompletion must have taken place. Youand the buyer must keep to the terms andconditions of this Policy.

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18. Emergency Access/Landscape Gardens

Loss or damage to the Buildings orlandscaped gardens or grounds withinYour Premises caused by a member ofthe emergency services breaking into thePremises to prevent loss or damage toYour Premises.

The most We will pay is £25,000 any onePeriod of Insurance.

19. Replacement of Keys and Resetting ofDigital Lock

For the purpose of this Extension thedefinition of Key is:

Any device used to open a lock includingbut not restricted to any electronic devicekey card or remote control transmitter

We will pay You costs and expensesnecessarily and reasonably incurred for thereplacement of locks or resetting of digitallocks provided thst the origonal keys werestolen from the Premises or the privateresidence of You or an authorizedrepresentative.

The most We will pay is £5,000 any oneoccurence.


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20. Unauthorised use of Electricity Gas orWater

The insurance by this section extends toinclude the cost of metered electricity gasor water for which You are legallyresponsible arising from its unauthoriseduse by persons taking possession oroccupying the Premises without Yourauthority.

Provided that You shall take all practicalsteps to terminate such unauthorised useas soon as it is discovered.

The most We will pay is £10,000 any one occurrence.

21. Additional Costs of Construction – EnergyEfficiency

We will pay for the additional costs ofreinstatement following Damage to theBuildings arising solely from the necessityto comply with the application of the ECDirective on Energy Performance onBuildings 2002/91 (as enacted inapplicable national law)

The most We will pay is £100,000 or 10%of the Buildings Sum Insured, whichever isthe lower in any one Period of Insurance.

Damage occurring prior to the inceptionof this Policy.

Work which takes more than 12 monthsfrom the date of the Damage unless priorconsent has been given by Us.

If the Premises has not suffered anyDamage.

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22. Property Owners Liability

We will indemnify You in respect of Yourlegal liability:

(a) as owner but not occupier of theBuildings and their land;

or

(b) resulting from Your previousownership of any private propertyunder Section 3 Defective Premises Act1972;

for damages, costs and expenses iffollowed an accident during the Period ofInsurance someone suffers Bodily Injuryor their property is damaged.

The most We will pay for any claim orclaims arising from one event is£5,000,000 plus costs agreed by Us inwriting.


Liability arising directly or indirectly from:

• any contract or agreement that saysYou or a member of Your family areliable for something which You or theywould not otherwise have been liablefor;

• the occupation of the Buildings;

• any business or professional use of theBuildings other than in Your capacityas owner of the Premises.

Liability for:

• Bodily Injury to You or to a personemployed by You;

• Premises belonging to You or forwhich You are responsible.

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23. Accidental Damage

Accidental Damage to the Buildings.

Any loss or damage which We haveindicated that We will not pay for underparagraphs 1-13 of this section.

Cost of maintenance or routinedecoration.

Damage occurring whilst:

• the Premises is Unoccupied;

• the Premises is undergoing demolition,structural alteration or structural repair.

Damage caused by or arising from:

• insects, parasites, vermin, fungus ormildew;

• chewing, scratching, tearing or foulingby pets;

• atmospheric or climatic conditions orfrost (except as covered by paragraph11);

• alteration, repair, maintenance,cleaning, restoration, dismantling,renovation or breakdown;

• faulty design or workmanship or theuse of faulty materials;

• structural movement, Settlement,shrinkage.

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Policy CoverSection B – Contents



Loss or damage to Contents which You own or • The Excess which is shown on Yourwhich You are legally responsible for whilst in Schedule under all paragraphs of this the Premises: section except paragraph 11;

Caused by: • Loss or damage due to any graduallyoccurring cause.

1. Fire, explosion, lightning or earthquake.

2. Smoke.

3. Riot, civil commotion, strikes, labour or political disturbances.

4. Malicious acts. Loss or damage caused:

• by legal Tenants or guests;

• while the Premises is Unoccupied.

5. Storm or flood. Loss or damage caused by a rise in thewater table or other gradually occurringcause.


32

Policy CoverSection B – Contentscontinued



6. (a) Water escaping from any fixed domestic Loss or damage caused while the water or heating installation, washing Premises is Unoccupied.machine, dishwasher, refrigerator, freezeror fixed fish tank;

(b) Oil escaping from any fixed domestic heating installation.

7. Theft or attempted theft following forcible Loss or damage caused:and violent entry to or from the Premises. • by persons lawfully on the Premises;

• while the Premises is Unoccupied.

8. Collision by:

(a) Aircraft or items dropped from them or other flying objects;

(b) Vehicles or animals. (b) Loss or damage caused by pets andlivestock.

9. (a) Falling aerials (including satellite dishes)their fittings and masts;

(b) Falling trees or branches.

10. Subsidence or ground Heave of the site that Damage caused by or resulting from the Buildings stand on or Landslip. coastal or river erosion.

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11. Legal Liability

We will indemnify You inrespect of legal liability asowner of landlord’sContents at theProperty insured by thissection, for damages andclaimant’s costs arising inconnection withaccidental Bodily Injury(including death, diseaseor illness) or AccidentalDamage to materialproperty occurring duringthe Period of Insurance.

The most We will pay forany claim or claimsarising from one event is£5,000,000 plus costsagreed by Us in writing.

We will also pay legalcosts and expensesagreed by Us.

(a) Liability arising from:

• Bodily Injury to You or a member of Your family or toa person employed by You or a member of Your family;

• damage to property owned or held in trust by or in thecustody or control of You;

• any contract or agreement that says that You areliable for something which You would not otherwisehave been liable for;

• ownership of any land or building including thePremises;

• the ownership, custody, control or use of:

– road vehicles or any other mechanically powered orassisted vehicles (except domestic gardeningequipment, battery or pedestrian operated modelsor toys, golf trolleys or wheelchairs);

– caravans, horse boxes or trailers;

– aircraft, hangliders, hovercraft, watercraft or anyother equipment designed for or intended for use onor in water (except battery or pedestrian operatedmodels or toys or hand propelled watercraft notowned by You or a member of Your family) or partsor accessories designed for or intended for use on orin any of them;

– animals other than domestic pets and horses keptfor private hacking;

– dogs of a type referred to in the Dangerous Dogs Act1991;

– firearms, except legally-held sporting guns whilebeing used for sporting purposes.


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12. Accidental Damage

Accidental Damage to the Contents

Any Loss or damage which We haveindicated that We will not pay for underparagraphs 1-10 of this section.

Cost of maintenance or routinedecoration

Damage occurring whilst:

• the Premises is Unoccupied;

• the Premises is undergoing demolition,structural alteration or structural repairor Redecoration

Damage caused by or arising from:

• insects, parasites, vermin, fungus ormildew

• chewing, scratching, tearing or foulingby pets;

• atmospheric or climatic condictions orfrost

• alteration, repair, maintenance,cleaning, restoration, dismantling,renovation or breakdown;

• faulty design or workmanship or thefaulty materials;

• structural movement, Settlement,shrinkage

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How to make a claim

1. Check the policy booklet and Your policySchedule to see which section You arecovered for.

2. You can contact Us to report a claim usingany of the following methods:

• Online claims notification atwww.coveainsurance.co.uk/reportclaim

• Dedicated telephone number –0330 024 2255

• Dedicated fax number – 0330 024 2613

• By E-Mail –[email protected]

• In writing – Covéa Insurance PropertyCareline, PO Box 824, Halifax HX1 9QT

Please have the following information tohand before You contact Covéa InsuranceProperty Careline:

• Policy number;

• Name and home postcode;

• Nature of problem;

• Police incident number (if You are avictim of theft, malicious damage orvandalism at the Premises);

• Approximate cost to replace/repair theitem.

We will register the claim from the detailsYou provide and tell You what to do next.

3. If You are a victim of theft, maliciousdamage, vandalism at the Premises, tell thepolice or issuing authority first and requestan incident number. It would be helpful ifYou have an approximate cost toreplace/repair the item(s) You would like toclaim for.

4. Do not admit fault if You are being heldresponsible for injury or damage. Send alldocuments You receive unanswered andwithout delay to Covéa Insurance, NormanPlace, Reading RG1 8DA.

Covéa Insurance exchanges information withother companies through various databases tohelp Us check the information provided andalso prevent fraudulent claims.

Please refer to the Conditions and Exceptionssections of this Policy Booklet. Please also referto the How we settle Your claim section of thisPolicy Booklet.


36

This section details how We settle claims underYour Policy. The most We will pay for any oneclaim is the amount shown on Your Scheduleunless a more specific limit applies.

We will take off the Excess from the amountWe agree to settle Your claim. The Excess willapply to each separate incident. If a claim ismade under more than one section of thisPolicy, resulting from the same incident onlyone Excess will be deducted.

Remember, no Policy covers everything. We donot cover certain things such as wear and tearand maintenance. The things which are notcovered by Your Policy are stated:

• In the Conditions

• In the Exceptions.

• Under What is not Insured in the Policy Coverfor Section A – Buildings and Section B –Contents

It is important to ensure that You understandthe Conditions which apply to Your Policybecause if You do not meet these Conditions, itmay affect any claim You make.

It is also important to understand theExceptions as they are events, liabilities orproperty that We do not cover under the Policy.

Section A – BuildingsAs long as the loss or damage is covered underYour Policy, We will decide whether to settle aclaim by either rebuilding, repairing or replacingor by making a payment in respect of thedamaged part of the Buildings provided that:

1. Immediately before the incident giving riseto the loss or damage:

(a) the Buildings were in a good state ofrepair and properly maintained;

(b) the sum insured shown on YourSchedule was sufficient to allow for thefull cost of rebuilding the Buildings in anew condition similar in size, form andstyle, including the professional fees andadditional costs as set in Section A –Buildings, paragraph 15 AdditionalCosts.

If You do not comply with either of theabove We may choose to reduce Yourclaim in direct proportion to the amount ofunderinsurance, make a deduction for wearand tear, refuse to pay Your claim and/orcancel the Policy.

2. The reinstatement or repair is carried outwithout delay. If repair or rebuilding is notcarried out, We will pay the amount bywhich the Buildings has gone down in valueas a result of the damage or the estimatedcost of repair, whichever is lower.

How we settleyour claim

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The most We will pay in respect of eachincident of loss or damage is the Buildingssum insured or any other limit shown onYour Schedule or in the Policy.

We treat each individual item of matchingsets, suites, Fixtures and Fittings or otherarticles of a similar nature, design or colour,as a single item.

We will therefore only pay for the lost ordamaged items and not for any other itemsthat have not been lost or damaged solelybecause they form part of the set or suite. Ifan item within a set or suite is damaged, theother items may lose value even if they havenot been damaged. We will not pay for thisloss in value under this Policy.

If a carpet, wooden, laminate or vinyl floorcovering is damaged beyond repair We willonly pay for the damaged carpet or floorcovering. We will not pay for undamagedcarpets or floor coverings in adjoining roomseven if they are the same colour or design.

We will automatically reinstate the Policylimits following payment of a claim,provided that all replacement or repair workis completed and any recommendations Wemake to prevent further loss or damage arecarried out without delay.

Underinsurance

If at the time of damage the total of the sumsinsured on Buildings specified in the PolicySchedule is less than 85% of the

reinstatement cost of the Buildings covered bythis section We shall bear only that proportionof the damage which the total of the sumsinsured on Buildings bear to the totalreinstatement cost.

Section B – ContentsWe will decide whether to settle a claim byeither repairing or replacing property or, if Wecannot repair or replace the property We willpay for the loss or damage in cash. Where Wecan offer repair or replacement through ournetwork of suppliers, but We agree to pay Youin cash, then payment will not exceed theamount We would have paid to our network ofsuppliers. If no equivalent replacement isavailable then We will pay the full replacementcost of the item with no discount applied.

An amount for wear, tear and depreciation willbe deducted for clothing and linen.

If at the time of the loss or damage the limitfor Contents shown on Your Schedule is notadequate to replace all the Contents as newafter allowing for wear, tear and depreciationfor clothing and linen, We may choose toreduce Your claim in direct proportion to theamount of underinsurance, refuse to pay Yourclaim and/or cancel the Policy.

The most We will pay is the Contents limit orany other limit shown in Your Schedule or inthe Policy.

How we settleyour claimcontinued


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How we settleyour claimcontinued

We treat each individual item of matching sets,suites or other articles of a similar nature,design or colour, as a single item. We willtherefore only pay for the lost or damageditems and not for any other items that have notbeen lost or damaged solely because they formpart of the set or suite. If an item within a set or suite is damaged, the other items may losevalue even if they have not been damaged. We will not pay for this loss in value under thisPolicy.

The limit will not be reduced following paymentof a claim, provided that all replacement orrepair work is completed and anyrecommendations We make to prevent furtherloss or damage are carried out without delay.

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Covea Insurance plcRegistered Office: Norman Place, Reading, Berkshire RG1 8DARegistered in England and Wales No. 613259Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority No. 202277

P35W 07/17

Covéa Insurance Norman PlaceReadingRG1 8DATelephone: 0330 221 0444Fax: 0118 955 2211

www.coveainsurance.co.uk

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