Holiday home insurance - Key Facts
SIGNIFICANT FEATURES AND BENEFITS
The Homes & Holiday Homes overseas and in the UK policy is specifically
designed for people with a holiday home abroad and in the UK.
Key benefits include:
Broader Cover
Key benefits include:
• Public liability (£5,000,000 / €7,500,000) and employers’ liability (£5,000,000 / €7,500,000) cover included
• Additional accidental damage
• No inspection clauses
• Emergency travel, should you need to travel abroad to mitigate the outcome of a claim, and alternative accommodation.
• Loss of rent following a claim
• Payment by interest-free Direct Debit which is a significant saving compared to most insurers
• A sensible approach to security requirements
• Cancellation period extended from 14 to 30 days
QUESTIONS AND COMPLAINTS
If you have a question or complaint, please contact us directly using the details below:
The Managing Director
Intasure
Phoenix House
11 Wellesley Road
Croydon CR0 2NW
United Kingdom
Tel: +44(0)845 111 0670
Fax: +44(0) 845 111 0682
BUILDINGS SECTIONS
See Section 1 of the policy booklet for details.
BUILDINGS
Significant Features and Benefits
Cover is provided for an extensive list of perils such as fire, storm, earthquake, flood, theft,, etc. – see policy booklet.
In addition cover is provide for:
Any permanent structure used for domestic purposes within the ground of your home or holiday home including:
• Fixtures and fittings;
• lifts
• domestic fixed fuel tanks; including gas, LPG and oil tanks;
• Swimming pools;
• outbuildings and permanent structures;
• gates, hedges, walls and fences;
• radio and television aerials, satellite dishes, their fittings and
mast;
• wind turbines, fixed generators and solar panels;
• lakes and rivers within the boundary of the property for liability
cover only.
SIGNIFICANT OR UNUSUAL EXCLUSIONS/LIMITATIONS
You will normally have to pay the initial £150/€225 for each claim.
This policy excess applies to claims made on the buildings and contents section of your policy. These excesses may vary by your
choice and/or underwriting criteria. Your quotation and policy
schedule will show the specifi c excesses applicable to you. There
is a single article limit of £3000/€4,500.
All communications, including the policy wordings, are written in
plain English with no jargon to ensure you know exactly what is
covered. Any special conditions and terms that may apply will be
found in your individual quotation and schedule.
FROST DAMAGE
Loss or damage caused by frost/freezing whilst the property is
unoccupied unless temperature is maintained above 8C or the
water supply is shut off and fixed water tanks, apparatus and pipes
are drained. However, the following countries are exempt from any
temperature or drain down requirements:
• Cape Verde • Morocco
• Cyprus • Portugal
• Greece • Spain
• Italy • South Africa
• Monaco • United Arab Emirates
Intasure Property Insurance Policy Summary
Intasure Homes & Holiday Homes overseas and in the UK
Policy Summary
CONTENTS SECTION
See Section 2 of policy booklet for details.
Significant Features and Benefits
Cover is provided for an extensive list of perils such as fire,
storm, earthquake, flood, theft etc. – see policy booklet.
In addition cover is provided for:
• Additional accidental damage
• Contents temporarily removed form the home
• Contents in outbuildings
• Garden ornaments and furniture
• Replacement locks if keys are lost or stolen
• Spoilage of food in freezers
• Loss of domestic fuel and metered water
• Pedal cycles
• Personal effects and personal money away from the home
• Your liability as occupier, employer, tenant and in a
personal capacity
SIGNIFICANT AND UNUSUAL EXCLUSION OR LIMITATIONS
No cover is provided for boats, boards or water craft of any kind.
No cover is provided for items used for business or professional
purposes.
Theft or malicious damage caused by persons lawfully in the home.
DURATION OF CONTRACT
Insurance contracts normally run for a period of 12 months. Please
speak to us if you require a different period. We strongly urge our
customers to review their contract each year to ensure they have
adequate cover in place.
YOUR INSURANCE QUOTATION
The quotation you receive gives a breakdown of the total price,
including the amount we will receive, as well as any related fees,
charges, expenses and taxes applicable. The quotation will be valid
for
a specifi ed period.
Please note that this policy summary document does not contain the
full terms and conditions of this contract. These can be found in
the
Homes and Holiday Homes overseas and in the UK policy wording. If
your would like a copy of the full policy wording, please contact
us.
Intasure is authorised and regulated by the Financial Services
Authority.
Unless some other law is agreed in writing, this policy will be
governed
by the laws of England.
ENDORSEMENTS
HH907 – Security Endorsement (Standard)
Will not pay for loss of damage unless:
(a) Whenever the Home or Holiday Home is left unoccupied
(i) The final exit door is fitted with a:
• mortice deadlock or
• cylinder rim lock or
• multi-point locking system
(ii) All others external doors (excluding patio doors) and any
access doors form adjoining or integral garages are fitted
with either:
• a mortice deadlock or
• cylinder rim lock or
• multi-point locking system or
• security bolts fitted top and bottom (iii) Sliding patio doors are fitted with either:
Key-operated sliding door locks top and bottom or
• deadlock or catches securing into the frame operated by an internal handle or
• any internal patio door lock, or key operated lock mounted internally on the central rails and are in operation.
(iv) All ground floor, basement and accessible upper floor windows are fitted with:
• lever operated window locks or
• catches or
• shutters or
• metal grilles embedded into the wall
HH913 Subsidence, Landslip and Heave
Your policy is extended to include damage caused by Subsidence or Heave of the site on which the buildings stand or Landslip.
© 2007 Intasure • IS PS 02/04/07
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