military kit & contents

Military Kit & ContentsPolicy Wording

Contents

• Introduction 3

• Definitions 4

• Section 1–Military Kit (in and away from the home) 6

• Section2–PersonalPossessions(inandawayfromthehome) 6

• Section3–Contentsinthehome 7

• Section4–PersonalMoneyandCreditCards 12

• Section5-PedalCycles 12

• Section 6 – Liability 13

• GeneralConditions 14

• GeneralExclusions 16

• Making a Claim 17

• ClaimsProcedures&Conditions 17

• ComplaintsProcedure&RegulatoryInformation 18

• Data Protection 19

• Claims&UnderwritingExchangeRegister 19

• Governing Law 19

3

Introduction

Thispolicyisacontractofinsurancebetweenyouandus,andismadeupofthisbookletandyourschedule.Itisbasedonthestatementsandinformationyougaveyourinsurancebrokerortheinformationthatwasgivenonyourbehalfwhenyouappliedfortheinsurance.

Weusedthatinformationtoassessthecoverwewouldprovideforyouandtosetthepremiumandpolicyconditionsrequiredforthatcover.

Acopyofyourquestionsandanswersisavailablefromtheagentwhosoldyouthepolicy.Youmustcheckthisinformationcarefullyandletyourbrokerknowimmediatelyifanypartoftheinformationyougaveyourbrokeriswrongorhaschanged.

ImportantYoushouldreadthispolicy,yourstatementofFactandyourscheduletogether.WordswithspecificmeaningsaredefinedonPages6and7ofthepolicy.Ifyourneedschange,oranyoftheinformationonwhichthecontractisbasedchanges,wemightneedtoaltertheschedule.Underthepolicyconditions,youmusttellyourbrokerimmediatelyaboutanychanges.Wewillupdatethecontracteverytimeweagreetoanalteration.Wewillgiveyouanewscheduleeachtimewerenewthecontractormakeanalteration.

Weagreetoinsureyouunderthetermsandconditionssetoutinthispolicyandthesectionsshowninthe schedule for loss, damage, injuryor liability thathappensduring theperiodof insurance.Yourscheduleadviseswhichsectionsofthispolicyapply.Therearealsosomegeneralexclusionsonpage19thatapplytotheentirecontractofinsurance.

Thispolicyissubjecttoyoupayingtherequestedpremiumandkeepingtotheconditionsofthepolicyherein.

InsurersYour Military Kit & Contents Insurance is underwritten by a consortium of the following leading insurers:-

Fairmead Insurance LimitedFairmead Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.Financial Services Register number 202050. Registered in England and Wales Number 00423930.Registered office: 57 Ladymead, Guildford, Surrey, GU1 1DB.

Fairmead Insurance Limited is part of the Liverpool Victoria General Insurance Group.

ERGO Versicherung AG (UK Branch)ERGO Versicherung AG, UK Branch (Registered number: BR016401) is registered in England and Wales at Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ.

ERGO Versicherung AG is a German insurance company authorised by the German Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht) and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of ERGO Versicherung AG, UK Branch’s regulation by the Financial Conduct Authority and Prudential Regulation Authority are available on request.

You can check these details with the Financial Conduct Authority either on their website at www.fca.org.uk or by calling them on 0800 111 6768.

Fairmead Insurance Limited (Register number 202050) and Ergo Insurance Limited (Register number 602490).

Details of each insurer’s proportionate liability will be provided upon request.

4

Definitions

Accidental DamageAsudden,unexpected,unusual,specific,violent,externaleventwhichisnotduetonegligence,misuse,mechanicalorelectricalfaultorrecklessactivity,andoccursatasingleidentifiabletimeandplaceandindependentofallothercausesorevents.

BrokerShield Protection Services – Shield Protection Services is a trading style of Ideal Home Loans Ltd

Business EquipmentOfficeequipmentincludingcomputers,printers,photocopiersandtelephoneansweringmachines,allusedsolelyforemployment,tradeorprofessionalpurposes.

ContentsHouseholdgoods,valuablesandpersonalpropertysuchasfurnitureanddomesticapplianceslocatedwithin the home,ownedbyyou or for which youarelegallyresponsibleandusedbyyou for your ownprivatepurposes.Thisdefinitionexcludestemporaryissuedkit,issueduniformsandkit,andpersonalpossessions.

Credit CardsCreditcards,chargecards,debitcards,bankers’cardsandcashdispensercardsissuedtoyou or any member of yourfamily.

ExcessThefirstamountofanyclaimyouareresponsiblefor.

Home Theprivatedwelling,marriedquartersorserviceaccommodationincludingthegaragesandoutbuildingsusedfordomesticpurposesatthepremisesshownintheschedule.

Issued Uniforms and KitUniforms,serviceequipment,medalsanddecorationsnormallywornorcarriedaboutthepersonissuedtoyouonpermanentortemporaryissueforyoursolepersonaluseandforwhichyou are personallyresponsibleandnotheldforthebenefitofothers.

Period of InsuranceThisperiodshownintheschedule for which weagreetograntcover.

Personal MoneyCash,bankorcurrencynotes,cheques,traveller’scheques,postalormoneyorders,savingsstampsandcertificates,traveltickets,luncheonvouchers,currentstamps(facevalueonly)andgifttokens.

Personal PossessionsItemsofapersonalnaturesuchasclothingandelectronicdevicesdesignedtobewornorcarried,owned by you or for which youarelegallyresponsibleandusedbyyou for yourownuseincludingjewellery,pedalcycles,sportsequipment,mobiletelephones,laptops,tablets,ipods,MP3playersandGPSdevices,ceremonialswordsandcontactlenses.

ScheduleThe scheduleispartofthisinsuranceandcontainsdetailsofyou,thehome,thesumsinsured,theperiod of insuranceandthesectionsofthisinsurancewhichapply.

Temporary Issued KitServiceuniform,clothingandequipmentissuedtoyou on temporary charge for yoursolepersonaluse.

UnoccupiedInsufficientlyfurnishedfornormalhabitationorhasnotbeenlivedinformorethan60consecutivedays.

ValuablesStamp,coinormedalcollections,curios,pictures,otherworksofart,articlesofgold,silverorotherpreciousmetal,orfur.

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We / Us / Our / InsurerPenUnderwritingorRentguard Insuranceasarrangersandadministratorsofyourpolicyasthecontentmayrequire

You / YourThepersonnamedintheschedule.

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Section 1–Military Kit (in and away from the home)

What is covered What is not covered

Accidentallossoforaccidental damage to Issued Uniforms Kit andTemporary Issued Kit

• The policy excess• Lossordamagelistedunderthegeneral

exclusionssection• Anyindividualitemexceeding£2,000unless

statedonyour schedule• Itemsheldforthebenefitofothers• Theftfromunattendedroadvehiclesother

thanfromalockedconcealedluggageboot,concealed luggage compartment or glove compartment following forcible and violent entrytoasecurelylockedvehicle.Themaximumamountpayableinrespectofanyoneoccurrenceshallnotexceed£2,000

• Lossordamagecausedbyorintheprocessofcleaningdyeingwashingmaintenancerepairdismantlingrestoringoraltering

• Lossordamagetoanypropertymainlyusedforbusinesstradeprofessionoremploymentpurposeotherthanmilitaryuse

• ConfiscationbyCustomsorotherofficials• Lossofitemswhichhavebeendeliberately

left unattended• Lossordamagewhilstthehomeisleft

unoccupied

Section 2 – Personal Possessions (in and away from the home)(ThisSectionisIncludedifshownontheschedule)


Accidentallossoforaccidental damage to your personal possessions


exclusionssection• Anyindividualitemexceeding£2,000unless

statedonyour schedule• Itemsheldforthebenefitofothers• Money,creditcards,securitiesordocuments• Theftfromunattendedroadvehiclesother

thanfromalockedconcealedluggageboot,concealed luggage compartment or glove compartment following forcible and violent entrytoasecurelylockedvehicle.Themaximumamountpayableinrespectofanyoneoccurrenceshallnotexceed£2,000

• Pedalcycles,mobilephones,unlessspecifiedin the schedule

• Lossordamagecausedbyorintheprocessofcleaningdyeingwashingmaintenancerepairdismantlingrestoringoraltering

• Lossordamagetoanypropertymainlyusedforbusinesstradeprofessionoremploymentpurposeotherthanmilitaryuse

• ConfiscationbyCustomsorotherofficials• Lossordamagetomodelaircrafts/boats/

carsandparachuteswhilstinuse• Lossordamagetosportsracquets,sticks,

batsandclubswhileinplay• Lossofitemswhichhavebeendeliberately

left unattended• Lossordamagewhilstthehomeisleft

unoccupied

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Section 3 – Contents in the home(ThisSectionisIncludedifshownontheschedule)


1. Lossordamagetoyou,oryourfamily’scontentswhilstinthehomecausedby


exclusionssection• Anyamountexceedingthesumsinsured

statedonyour schedule

2. Fire,smoke,explosion,lightning,earthquake Smokedamagearisinggraduallyoroutofrepeatedexposure

3. Stormorflood Lossordamagebyfrost

4. Theftorattemptedtheft(providedtherehasbeen forceful and violent entry or exit from the home)

• Lossordamagewhilethehomeisunoccupied

• Lossordamagewherepropertyisobtainedfrom youbyanypersonusingaformofpaymentwhichprovestobecounterfeit,false,fraudulent,invalid,uncollectable,irrecoverableorirredeemableforanyreason

• Lossordamagefromthehome if any part ofitisoccupiedbyanyoneotherthanyou or yourfamilyunlesstherehasbeenforcibleand violent entry to or exit from the home

5. Escapeofwaterfroma• Fixedwaterinstallation;• Drainageinstallation;• Heatinginstallation;• Washingmachine,dishwasher,waterbed,refrigeratorordeepfreezecabinet.

Lossordamagewhilethehomeisunoccupied

6. Escapeofoilfromafixedoil-firedheatinginstallation


7. Maliciousdamageorvandalism • Lossordamagewhilethehomeisunoccupied

• Lossordamagebyyou,oranyoneworkingon behalf of you

8. Riot,civilcommotion,strikes,labourandpoliticaldisturbances

9. Fallingtreesorbranches; • Thecostofremovingthefallentreeorbranch

• Lossordamagecausedduringtreefelling,lopping or topping

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10.Subsidence,groundheave,orlandslipofthesiteonwhichthehomestands

• Lossordamagecausedbyerosionofanycoastorriverbank

• Lossordamagetodomesticfixedfuel-oiltanks,swimmingpools,tenniscourts,drives,patiosandterraces,walls,gatesandfences,unlessthemainBuildingisdamagedatthesametime

• Lossordamagecausedbystructuralrepairs,alterations,demolitionsorextensions

• Lossordamagearisingfromfaultyordefectiveworkmanship,designsormaterials

• Normalsettlement,shrinkageorexpansion• Lossordamagethatoriginatedpriortothe

startofthisPolicy• Lossordamagecausedbythemovementof

solidfloors,unlessthefoundationsbeneaththeflooraredamagedatthesametimeandbythesamecause

• Lossordamagetocontentscausedbytheactionofchemicalsorbythereactionofchemicalswithanymaterialwhichformspartofthebuildings

• Thefirst£1,000ofeveryclaim,unlessotherwisespecifiedintheschedule

11.Lossordamagecausedbycollisionorimpactbyanyanimal,aircraft,aerialdevices,roadorrailvehiclesincludinganyitemsdroppedfromthem

12.Breakageorcollapseofsatellitedishes,TVorradioaerials,aerialfittingsormasts,lampposts,telegraphpoles,electricitypylons,polesoroverheadcables

• Lossordamagetotheitemsthemselves• Lossordamagecausedbymaintenanceto

trees• Lossordamagetogatesandfences

13. HomeentertainmentequipmentAccidental damagetotelevisionsets,radios,compactdiscplayers,recordplayersandtaperecorders,videorecorders,DVDplayers,computers(includingportablecomputersandtablets),cable/satellite/digitaltelevisionreceivers,televisionaerialsandsatellitedishes.

• Damagetorecords,compactdiscs,DVDs,cassettesandtapes

• Accidental damage or contamination to computersorcomputerequipmentby:i. Erasureordistortionofdataii. Accidentalerasure,mislayingor

misfilingofdocumentsorrecordsiii. Viruses

• Damagecausedby,orintheprocessof,cleaning,maintenance,repair,dismantlingor altering

• Lossarisingfromthecostofremakinganyfilm,discortape,orthevalueofanyinformation contained on it

• Damagetoequipmentnotinoronthehome• Mobilephones

14.Mirrorsandglassaccidental breakage of• Mirrors;• Fixedglassinandglasstopsoffurniture;• Ceramichobsandceramictopsofcookers;

• Glassovendoors


• Lossordamagetoyou or yourfamily’scontentswhiletheyarenotinthehome.

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15.KeysandlocksWewillpayupto£500foranyoneclaimforthecostofreplacingkeysandlocksorlockmechanismsto:

• Externaldoorsandwindowsofthehome;• Asafewithinoranalarmprotectingthe

homefollowingthetheftoftheirkeys

Thecostofreplacingkeysandlockstoagarage or outbuilding

16.Domesticheatingoilandmeteredwater:Wewillpayupto£1,000foranyoneclaimforaccidentallossofdomesticheatingoilandmetered water


17.ContentsinthegardenWe will pay youupto£1,000foranyoneclaimforlossordamagebycauses1–11,section3tocontentswhenintheopenwithintheboundariesof the home.

Lossordamageto:i. Plantsandtreesii. Valuablesorpersonalmoneyiii. Businessequipmentiv. Lossordamagewhilethehomeis

unoccupied

18.Temporary removalLossordamagebycauses1-11,section3tocontentstemporarilyremovedfromthehome to:

• Anybankorsafedeposit;• Anyoccupiedprivatedwelling;• Any building where you or your family

are working or temporarily living while anywhereintheworld.

Thiscoverautomaticallyincludesstudent’spossessionsuptothetotalsuminsuredprovidingthestudent’spermanentaddressisstillatthehome.

• Bytheftunlessitinvolvesforcibleandviolententry to or exit from a building

• Fromacaravan,mobilehomeormotorhome• The maximum amount payable for theft or

attemptedtheftfromaroominaschool,boardinghouse,collegeoruniversityhallsofresidenceaccommodationis£2,500foranyoneclaim.

19.Alternative accommodationWhile the homecannotbelivedinbecauseoflossordamagebycauses1-11,wewillpay:

• Rentpayableforwhichyou are legally liable,or

• Theincreasedcostofalternativeaccommodation for you,your family and yourdomesticpets

• Lossordamagewhereavalidclaimhasnotbeenacceptedbyusundercauses1-11,section2.

• Anyamountexceeding20%ofthesuminsuredforcontentsforanyoneclaimfora maximum periodof12monthsfromthedatethatthepropertybecameuninhabitable.

20.DocumentsWe will pay youupto£500towardsanyoneclaimforlossordamage,bycauses1-11,section3todocuments(otherthanpersonalmoney)whilst:

• Within the main building of the home,or;• Depositedforsafecustodyinanybanksafedepositorbanksolicitor’sstrongroomanywhereintheworld.

• Propertymorespecificallyinsuredbyanyother insurance

• Documentsmainlyusedforbusiness,trade,professionoremploymentpurposes

21.ReligiousfestivalsandweddingsThecontentscoverlimitisautomaticallyincreasedby£2000forgiftsandprovisions:

• During the period30daysbeforeand30daysafterarecognisedreligiousfestival;

• During the period30daysbeforeand30daysafteryou or yourfamily’swedding

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22. Accidental damageAccidentallossordamagetocontentswhilstinthe home

• Anylossordamagespecificallyexcludedundercontentscausessection2


• Accidental damageorloss:i. Bymechanicalorelectricalbreakdown

orfailure;ii. Arisingfromthecostofremakingany

film,disc,tapeorthevalueofanyinformationcontainedonit;

iii. Causedbyorintheprocessofcleaning,maintenance,repair,dismantling,restoring,altering,dyeingorwashing;maintenance,repair,dismantling,restoring,altering,dyeingorwashing;

iv. Byanygraduallyoperatingcause;v. Tofood,drinkorplants;vi. Tocomputersorcomputerequipment:vii. Byerasureordistortionofdata;viii.Byaccidentalerasureormislayingor

misfilingofdocumentsorrecords;ix. Byviruses;x. Bycontamination;xi. Arisingfromdepreciationinvalueor

otherloss,damageoradditionalexpensefollowing on from the event for which you are claiming

23.HouseremovalAccidentallossordamagetocontentswhilstinthecourseofremovalbyprofessionalremovalcontractors/carriers

Accidentallossordamage:• Bydenting,chippingorscratching• Bymechanicalorelectricalbreakdownor

failure• Causedbyinsectsorvermin• Tofood,drinkorplants• Tocomputersorcomputerequipment

i. Byerasureordistortionofdataii. Byaccidentalerasureormislayingor

misfilingofdocumentsorrecordsiii. Byvirusesiv. Bycontamination

• Topersonalmoney,jewellery,watches,articlesofgold,securitiesanddocuments

• Tochina,glass,porcelain,oranyotheritemofearthenware,unlesspackedbyprofessionalremovalcontractors

• Arisingfromdepreciationinvalueorotherloss,damageoradditionalexpensefollowingon from the event for which you are claiming,e.g.costsincurredinpreparingtheclaimorlossofearningsfollowingyour

• Bodilyinjuryorillness

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24. ContentsinstorageLossordamagetocontentsownedbyyou oryourFamilywhilstinstoreinany

• Militarystoragefacility;• Furnituredepository;• Storagefacilityunderacontractbycauses1to10,section3ofcontentscover

Lossordamage:• Bytheftunlessthishasinvolvedforcible

entry or exit• Bysmokedamagearisinggraduallyoroutof

repeatedexposure• Byfrost• Bymildeworcondensation• Tocontentsintheopen

25. TenantsLiabilityinprivaterentedaccommodation

Wewillpayupto30%ofthecontentsinthehomesuminsuredforaccidental damage to landlord’sfixtures,fittingsandhouseholdgoodsin the home for which youareresponsibleunderaprivatetenancyagreement.

26. Visitors’personaleffectsWewillpayanyvisitoratyourrequestupto£500towardsanyoneclaim,foreachvisitor,forlossordamagebycauses1-11,section3tovisitors’personalpossessionswhilstcontainedwithin the home

27. BusinessequipmentWewillpayfordamagecausedbyperils1-10,Section3upto£2,500forbusinessequipment.

28. DeepfreezercontentsWewillpayupto£500forfoodinadomesticdeep freezer in the homemadeunfitforhumanconsumptionbyachangeintemperaturewithin the freezer cabinet or contamination byrefrigerantorrefrigerantfumes.

Lossordamage:• Fromfreezersover10yearsfromnew• The deliberate act of the utility provider

Basis of Claims SettlementIntheeventoflossordamagetoyour issued uniforms and kit, temporary issued kit, personal possessions or contents in the home wewillreplacethedamageditemsasnew,providedthatthesuminsuredisatleastequaltothecostofreplacingallthecontents.Atouroption,we may either paythecostofreplacingthelostordamageditemasnew,orpaythecostofrepairingtheitem.

Inrespectofanyclaimmadeunderthispolicy,ourliabilitywill:• Notexceedtheproportionthatthesum(s)insuredbearstothefullcostofreplacementofyour

contents,asshownintheschedule• Notexceedthesuminsuredforyourcontents,asshownintheschedule.

Itisyourresponsibilitytoensurethat,atalltimesthecontentssuminsuredreflectsthetotalcostofreplacementasnew.IfatthetimeofanyDamagetheSumInsuredislessthanthecostofreinstatementofsuchproperty,thentheInsuredshallbeconsideredasbeingtheirowninsurerforthedifferenceandshallbeararateableshareofthelossaccordingly.Wewillnotpayforthecostofreplacingorrepairinganyundamageditem(s)ofyourcontentswhichformspartofapair,set,suiteorpartofacommondesign.Wewillnotreducethesuminsuredunderthissectionfollowingaclaim,providedthatyou agree to carryoutanyrecommendationswhichwemaketopreventfurtherlossordamage.

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Section 4 – Personal Money and Credit Cards(Thissectionisincludedifyouhavechosentoinsureyourcontentsorpersonalpossessionsandshownontheschedule)


PersonalMoney • Anyamountexceeding£500• Anyaccountingerrorsoromissions• LossesnotreportedtothePolice• Theftfromunattendedroadvehiclesother

thanfromalockedconcealedluggageboot,concealed luggage compartment or glovecompartment following forcible and violententrytoasecurelylockedvehicle.

FinanciallossasadirectresultofunauthorisedusefollowinglossortheftofanyCreditCardprovided that youcomplywiththetermsunderandconditionsoftheissuingauthority.

• Anyamountexceeding£500• Anyaccountingerrorsoromissions• LossesnotreportedtothePolice• Lossesofcreditcardsnotreportedtothe

cardissuingcompanywithin24hoursofdiscoveryorassoonaspracticallypossibleifdeploymentatthetimeoflosspreventsthis.

Section 5 - Pedal Cycles(Thissectionisincludedifshownontheschedule)


Accidentallossordamagetopedalcyclesowned by you or yourfamilyuptothesuminsuredasspecifiedonyour schedule.

• Lossordamagelistedunderotherexclusions• Lossordamagewhilebeingusedfortrack

racingorbusinesspurposes• Theft while away from the homeunlessina

buildingorsecurelylockedtoanimmovableobject

• Lossofordamagetoaccessoriesunlesscausedbyanaccidenttothepedalcycleorunlessthepedalcycleisstolenordestroyedbyfireatthesametime

• The policy excessshowninyour schedule.• Theftofanypedalcycleexceeding£3000

invalue(includingcomponentpartsandaccessories)unlessaSoldSecureGoldratedapprovedlockisplaceandissecurelylockedtoanimmovableobjectwhilstnotinuse.

Basis of Claims SettlementIntheeventoflossordamagetoyourpedalcycle,wewillreplacethedamagedpedalcycle,providedthatthesuminsuredisatleastequaltothecostofreplacingthepedalcycle.Atouroption,we may eitherpaythecostofreplacingthelostordamageditemorpaythecostofrepairingtheitem.IfatthetimeofanyDamagetheSumInsuredislessthanthecostofreinstatementofsuchproperty,thentheInsuredshallbeconsideredasbeingtheirowninsurerforthedifferenceandshallbeararateableshareofthelossaccordingly.

Wear and TearInsettlingclaimsfortotallossordamagebeyondeconomicrepairtherewillbenodeductionforwearandtearordepreciationexceptforhouseholdlinenandclothing(notincludingmilitaryissueduniformandkit).

Inrespectofanyclaimmadeunderthispolicy,ourliabilitywill:

• Notexceedtheproportionthatthesum(s)insuredbearstothefullcostofreplacementofyourpedalcycle,asshownintheschedule

• Notexceedthesuminsuredforyourpedalcycle,asshownintheschedule.

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Wewillnotreducethesuminsuredunderthissectionfollowingaclaim,providedthatyou agree to carryoutanyrecommendationswhichwemaketopreventfurtherlossordamage,unlessthelimitisonaperclaimbasis.

Section 6 – Liability


1. LiabilitytodomesticstaffWewillpayfordamagesandclaimants’costsandexpenseswhichyou or a member ofyourfamilybecomelegallyliabletopayascompensationforaccidental death of or bodilyinjurytoorillnessordiseaseofanydomesticemployeeupto£5,000,000inconnectionwithanyoneclaimorseriesofclaimsmadeagainstyou or yourfamilyarisingoutofanyoneeventoccurring during the period of insurance andrisingoutofandinthecourseofemploymentwithinGreatBritain,NorthernIreland,theIsleofManortheChannelislands.Wewillalsopaylegalcostsandexpensesincurredwithourwrittenconsentinthedefenceofanyclaimmadeagainstyou or yourfamily.

• Liabilityarisingdirectlyorindirectlyfromthetransmissionofanycommunicablediseaseorvirusbyyou or any member of your family

• Anyagreementunlessyou would have beenliable had the agreement not been made

• Anyclaimorotherproceedingsagainstyouor yourfamilylodgedorprosecutedinacourtoutsidetheUnitedKingdom

• Liabilityarisingfromanybusinessorprofession

• Liabilityfordeathof,bodilyinjuryto,orillnessordiseaseofanymemberofyourfamily

• Liabilityforwhichcompulsoryinsuranceorsecurityisrequiredbyanyroadtrafficlegislation.

2. Public LiabilityWewillpayupto£2,000,000tocoveryourlegalliabilityfordamagesyou have to pay ifsomeonemakesaclaimagainstyou or yourfamilyfor:

• Accidentaldeathorillnessof,orbodilyinjuryto,anyperson

• Accidentallossofordamagetopropertythathappenswithintheperiod ofinsurance on your schedule.

Thiswillalsoincludecosts,expensesandlegalfeesfordefendingyou,ifwehaveagreedthisinwritingbeforehand.

Thissectioncoversliabilitiesarisingfromyou occupying yourproperty.Anyliabilitythatarisessolelyfromyou owning your home,notasoccupieroftheproperty,isnotcoveredunderthissection.

Legalliabilitytopaycompensationorcostsarisingfromthefollowing:• Bodilyinjuryordeathtoanypersonwhois

engaged in yourservice,orisamemberofyourhousehold

• Thetransmissionofanycommunicablediseaseorvirus

• Theownership,possessionoruseofi. Any mechanically propelled vehicle which

includesmotorcycles,children’smotorcycles,children’squadbikes

ii. Anydronesormodelaircraftiii. Hoverboards,airboards,self-balancing

boardsorscootersiv. Watercraftwhichincludessailboards

andwindsurfers,aircraft,caravansandtrailers

v. Ananimalofdangerousspeciesorspecialcontrolleddog(asdefinedintheAnimalsAct1971oranyotherlegislation,includingsubsequentlegislationofsimilarintentifapplicable)

vi. Horses,ponies,donkeysormules• Anyactionfordamagesbroughtinacourt

outsidetheUnitedKingdom,theChannelIslandsortheIsleofMan

• Any claim where you are entitled to theindemnity under any other insurance

• Anycostorexpensenotagreedbyusinwriting

• Damage to property belonging to or yourdomesticstaff

• Death,illness,injury,lossordamagecausedby:i. You owning or occupying any land

or building except your home ortemporary holiday accommodation

ii. Anybusinessiii. Anagreement,unlessthatliabilitywould

haveexistedanyway.

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3. TenantsLiability-LicencetoOccupyWewillpayuptoamaximumof£20,000foranyoneclaimarisingfrom:

• Fire,lightning,explosion,earthquake,smoke,floodorstorm

• Theft or attempted theft• Escapeofwateroroil• Maliciousdamage• Riot,civilcommotion,strikes,labourandpoliticaldisturbances

• Fallingtreesorbranches• Subsidence,groundheaveorlandslip• Collisionorimpact• Breakageorcollapseof:i. Satellitedishesii. TVorradioaerialsiii.Aerialfittingsormastsiv.Lampposts,telegraphpoles,electricitypylons,polesoroverheadcables

Foranyamountthatyou or your family become liabletopayastheLicenseeof

• ServiceFamilyAccommodation(SFA)• SubstituteServiceFamilyAccommodation(SSFA)

• Single Living Accommodation (SLA)• MessAccommodationorequivalentaccommodation.

Lossordamage:• Tointeriordecorationsunlessdamageis

causedbyfireorflood• Chargesinrelationtocleaning• Lossordamagetogates,hedgesandfences• Exclusionsundercauses1-11,asnotedin

section3

General Conditions1. DUTYOFCAREYouandanyotherpersontowhomthisinsuranceappliesshalltakeallprecautionstopreventaccidents,lossordamageandallpropertyinsuredunderthispolicyshallbemaintainedingoodcondition.

2. FRAUDYoumustnotactinafraudulentway.Ifyou or anyone acting for you:

• Failstorevealorhidesafactlikelytoinfluencewhetherwe accept yourproposal,yourrenewal,oranyadjustmenttoyourpolicy;

• Failstorevealorhidesafactlikelytoinfluencethecoverweprovide;• Makesastatementtousoranyoneactingonourbehalf,knowingthestatementtobefalse;• Sendsusoranyoneactingonourbehalfadocument,knowingthedocumenttobeforgedorfalse;

• Makesaclaimunderthepolicy,knowingtheclaimtobefalseorfraudulentinanyway;or• Makesaclaimforanylossordamageyoucauseddeliberatelyorwithyourknowledge.

If yourclaimisinanywaydishonestorexaggerated,wewillnotpayanybenefitunderthispolicyor return any premium to you and we may cancel your policy immediately and backdate the cancellationtothedateofthefraudulentclaim.Wemayalsotakelegalactionagainstyou and inform theappropriateauthorities.

3. ELIGIBILITYInordertobeeligibleforthisinsurance youmustbeamemberoftheHMForces,aReservist,oranemployeeofanaffiliateMoDorganisation.

4. OTHERInsuranceIf you have any other insurancewhichcoversthesameloss,damageorliability,we will only pay ourshareofanyclaim.

5. CONSUMERInsuranceACT2012YouarerequiredbytheprovisionsoftheConsumerInsurance(DisclosureandRepresentations)Act2012totakecareto:

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• Supplyaccurateandcompleteanswerstoallthequestionsyour brokermayaskaspartofyour application for cover under the policy

• Tomakesurethatallinformationsuppliedaspartofyourapplicationforcoveristrueandcorrect

• Tell your brokerofanychangestotheanswersyouhavegivenassoonaspossible.

Youmusttakereasonablecaretoprovidecompleteandaccurateanswerstothequestionsyour brokeraskwhenyoutakeout,makechangestoandrenewyourpolicy.Ifanyinformationyou provideisnotcompleteandaccurate,thismaymeanyourpolicyisinvalidandthatitdoesnotoperate in the event of a claim or wemaynotpayanyclaiminfull.

6. CHANGESINCIRCUMSTANCESYoumustnotifyyour brokerimmediatelyofanychangeincircumstanceandinparticular:

• Changeofaddress• If anyone other yourfamilyisresidinginyour home• If your home will be unoccupiedformorethan60days• If your homewillbeusedforanythingotherthanresidentialpurposes• If youceasetobeamemberoftheHMForces,aReservist,oranemployeeofanaffiliateMoDorganisation

• If yoursumsinsuredarenotsufficientenoughtocoverallyourcontentswithinthehome.

7. INDEX-LINKINGThesumsinsuredshowninthescheduleundersection1MilitaryKitandPersonalPossessions(otherthaninrespectofspecifieditems),andsection2contentsinthehomewillbeadjustedatmonthlyintervalsandamendedannuallyontheanniversaryofthedatethepolicywasfirsttakenout.ThesumsinsuredwillbeamendedusingtheConsumerDurablessectionoftheRetailPriceIndexoranalternativesimilarindex.Iftheindexvalueshowsareductionthesumsinsuredwillremainunchanged.Theamendedsumsinsuredandpremiumwillbeshownonarevisedschedulethatwillbeissuedontheanniversaryofyourpolicy.

8. CANCELLATIONIf youdecidethatforanyreason,thispolicydoesnotmeetyour insuranceneedsthenpleasereturnit to your brokerwithin14daysfromthedayofpurchase,orthedayonwhichyou receive yourpolicydocumentation,whicheveristhelater.Ontheconditionthatnoclaimshavebeenmadeorarepending,your broker will then refund yourpremiuminfull.

If youwishtocancelyourpolicyafter14daysyou will be entitled to a pro-rata return of premium providingnoclaimshavebeenmadeorarepending.

Weshallnotbeboundtoacceptrenewalofanyinsurance and may at any time cancel any insurancedocumentbygiving14days’noticeinwritingwherethereisavalidreasonfordoingso.Acancellationletterwillbesenttoyou at yourlastknownaddress.Validreasonsmayincludebutarenotlimitedto:

• Where wereasonablysuspectfraud• Non-paymentofpremium• Threateningandabusivebehaviour• Non-compliancewithpolicytermsandconditions• Youhavenottakenreasonablecaretoprovidecompleteandaccurateanswerstothequestions

your brokerask.Whereourinvestigationsprovideevidenceoffraudoraseriousnon-disclosure,we may cancel the policy immediately and backdate the cancellation to the date of the fraud or the date when you provided your brokerwithincompleteorinaccurateinformation,whichmayresultinyour policy being cancelled from the date youoriginallytookitout.

If wecancelthepolicyand/oranyadditionalcoversyouwillreceivearefundofanypremiumsyou havepaidforthecancelledcover,lessaproportionatedeductionforthetimewehaveprovidedcover,unlessthereasonforcancellationisfraudandorwe are entitled to keep the premium under the ConsumerInsurances(DisclosureandRepresentations)Act2012.

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General ExclusionsWewillnotpayfor:

1. SONICBANGSAnyloss,damage,liability,costorexpenseofanykindcauseddirectlyorindirectlybypressurewavesfromaircraft.

2. CHEMICALANDBIOLOGICALLoss,Damage,LossofRentorlegalliabilityarising,directlyorindirectly,fromorinconsequenceofchemicalorbiologicalemission,release,discharge,dispersalorescapeorchemicalorbiologicalexposureofanykindchemicaland/orbiologicaland/orradiologicalirritants,contaminantsorpollutants.

3. CYBERATTACKLoss,Damage,LossofRentorlossorlegalliabilitydirectlyorindirectlycausedbyorcontributedtoorarisingfromtheuseoroperationofanycomputer,computersystems,computersoftware,programme,maliciouscode,computervirusorprocessoranyotherelectronicsystem,asameansforinflictingInjury,Loss,orDamage.

4. ELECTRONICDATALoss,Damage,orlegalliabilityarising,directlyorindirectly,fromDamage,destruction,distortion,erasure,corruptionoralterationofElectronicDatafromanycausewhatsoever(includingbutnotlimitedtoVirusorSimilarMechanismorHackingorDenialofServiceAttack)orlossofuse,reductioninfunctionality,cost,expenseofwhatsoevernatureresultingtherefrom,regardlessofanyothercauseoreventcontributingconcurrentlyorinanyothersequencetotheloss,unlessanysuchlossordamageresultsfromaDefinedPerilandisnototherwiseexcluded.

5. MOULDANDFUNGUSLoss,Damageorlegalliabilityarising,directlyorindirectly,fromPathogenicOrganismsoranyformofbacterialcontamination.NationalisationandconfiscationLoss,Damageorlegalliabilityarising,directlyorindirectly,fromlossordestructionoforDamagetoanypropertyoranyconsequentiallosscausedbyorcontributedtoconfiscation,nationalisation,requisition,seizureordestructionbyorundertheorderofanygovernmentoranypublicorlocalauthority.

6. NORTHERNIRELANDLoss,Damageorlegalliabilityarising,directlyorindirectly,fromDamagetoanypropertyinNorthernIrelandorlossresultingtherefromcausedbyorhappeningthroughorinconsequenceof:

• Civilcommotion;• Anyunlawful,wantonormaliciousactcommittedmaliciouslybyapersonorpersonsactingonbehalfoforinconnectionwithanyUnlawfulAssociation;

Inanyaction,suitorotherproceedingswheretheInsurerallegethatbyreasonofthisexclusionanyloss,destructionorDamageorlossresultingfromsuchloss,destructionorDamageisnotcoveredbythisInsurance(oriscoveredonlyuptoaLimitofLiabilityasspecifiedintheSchedule)theburdenofprovingsuchloss,destructionorDamageorlossresultingfromsuchloss,destructionorDamageiscovered(oriscoveredbeyondthatLimitofLiability)shallbeupontheInsured

7. PUNITIVEANDEXEMPLARYDAMAGESForanyfinesordamagesforbreachofcontractoranypenaltiesofwhatsoevernature

8. WARRISKSAnydirectorindirectconsequenceofwar,civilwar,invasion,actsofforeignenemies(whetherwarbedeclaredornot),rebellion,revolution,insurrection,militaryorusurpedpower,orconfiscation,nationalisation,requisition,destructionofordamagetopropertybyorundertheorderofanygovernment,localorpublicauthority.

9. TERRORISMAnydirectorindirectconsequenceofterrorismasdefinedbytheTerrorismAct2000andanyamendingorsubstitutinglegislation.

10. RADIOACTIVECONTAMINATIONAnydirectorindirectconsequenceof:Irradiation,orcontaminationbynuclearmaterial;orTheradioactive,toxic,explosiveorotherhazardousorcontaminatingpropertiesofanyradioactivematter;orAnydeviceorweaponwhichemploysatomicornuclearfissionorfusionorothercomparablereactionorradioactiveforceormatter.

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11. POLLUTION/CONTAMINATIONLossdamageliabilityorbodilyinjuryarisingdirectlyorindirectlyfrompollutionorcontaminationunlesscausedby:

• Asuddenandunforeseenandidentifiableincident• Leakageofoilfromadomesticoilinstallationatyour home.

12. GRADUALDETERIORATIONLossordamageasaresultofrustingorcorrosion,wetordryrotorfungusoranygraduallyoperatingcause.

13. DELIBERATEACTAnylossordamagecausedorallowedtobecauseddeliberatelywilfullymaliciouslyillegallyorunlawfully by you or yourfamily,oranyonelawfullyinthehome.

14. EXISTINGDAMAGELossordamageoccurringpriortothecommencementofyour insurancepolicy.

15. DOMESTICPETSLossordamagecausedbydomesticpets,insectsorvermin.

Making a Claim

Whenanaccidentorlossoccurs,you shouldtakeanyimmediateactionyou thinkisnecessarytoprotect yourpropertyandbelongingsfromfurtherdamage,suchasswitchingoffthegas,electricityorwater.

If youneedtomakeaclaimunderthispolicy,pleasecontactusstraightawaybycallingtheclaimshelplineon:

New Claims TheAffinityClaimsTeamPOBOX1291PrestonPR20QJTel:0330 102 6796Email:[email protected]

To help us deal with your claimquicklywe mayrequireyou to provide uswithassistanceandevidence that we requireconcerningthecauseandvalueofanyclaim.Ideally,aspartoftheinitialnotification,youwillprovide:• yourname,address,andyourhomeandmobiletelephonenumbers• policy/Certificatenumber• the date of the incident• policedetails/CrimeReferencenumberwhereapplicable• thecauseofthelossordamage• detailsofthelossordamagetogetherwithclaimvalueifknown

Claims Procedures & Conditions

Onreceiptofanotificationofaclaim,wemaydothefollowing:

• Enteranybuildingfollowinglossordamage• Negotiate,defendorsettleanyclaimmadeagainstyou• Prosecuteinyournameforourbenefit,anyotherpersoninrespectofanyclaimwe may have

to pay• Appointalossadjustertohandletheclaimonourbehalf• ArrangetorepairthedamagetotheBuildingand/oranyotherpropertyoritemandhandleanysalvageappropriately.

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Our Complaints Procedure

Ouraimistoensurethatallaspectsofyourinsurancearedealtwithpromptly,efficientlyandfairly.Atalltimeswe are committed to providing youwiththehigheststandardofservice.

Ifyouhaveanyquestionsorconcernsaboutyourinsuranceorthehandlingofaclaim,youshouldcontact:

Policy Enquiries

Rentguard Insurance27GreatWestRoadBrentfordLondon TW89BWTel:0208 587 1060Email:[email protected]

Claims Enquiries

The Affinity Claims TeamPOBOX1291PrestonPR20QJTel:0330 102 6796 Email:[email protected]

If youarenotsatisfiedandwishtomakeacomplaint,thenyoumaycontact:

ComplaintsOfficer55BlythswoodStreetGlasgowG2 7AT Tel:01412853539Email:[email protected]

DetailsofPenUnderwritingscomplaintsproceduresareavailableat:http://www.penunderwriting.co.uk/Pages/complaints.aspx

If youremaindissatisfied,youmayreferthematteratanytimetotheFinancialOmbudsmanServicewhichisanindependentbodythatarbitratesoncomplaints.Theycanbecontactedatthefollowingaddress:

TheFinancialOmbudsmanServiceExchange Tower HarbourExchangeSquareLondon E149SRTel:08000234567(freefromstandardline,mobilesmaybecharged)03001239123(samerateas01and02numbersonmobiletariffs)Email:[email protected]:www.financial–ombudsman.org.uk

YouhavesixmonthsfromthedateofourfinalresponsetoreferacomplainttotheFinancialOmbudsmanService.

YourrighttotakelegalactionagainstusisnotaffectedbyreferraltoeithertheCustomerRelationsTeamortheFinancialOmbudsmanService.However,theFinancialOmbudsmanServicewillnotadjudicateonanycasewherelitigationhascommenced

Inallcommunicationsthepolicy/certificatenumberappearinginthescheduleshouldbequoted.

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General Data Protection Regulation 2016/679

Rentguard Insurancearethedatacontrollerofanypersonalinformationyou provide to us or personalinformationthathasbeenprovidedtousbyathirdparty.Wecollectandprocessinformationabout youinordertoarrangeinsurancepoliciesandtoprocessclaims.Yourinformationisalsousedforbusinesspurposessuchasfraudpreventionanddetectionandfinancialmanagement.Thismayinvolvesharingyourinformationwiththirdpartiessuchasinsurers,brokers,reinsurers,claimshandlers,lossadjusters,creditreferenceagencies,serviceproviders,professionaladvisors,our regulators,policeandgovernmentagenciesorfraudpreventionagencies.

Wemayrecordtelephonecallstohelpusmonitorandimprovetheserviceweprovide.Forfurtherinformation on how yourinformationisusedandyourrightsinrelationtoyourinformationpleaseseeourPrivacyPolicy- https://www.rentguard.co.uk/policy/.Ifyou are providing personaldataofanotherindividualtous,youmusttellthemyou are providing their information to usandshowthemacopyofthisnotice.

Claims & Underwriting Exchange Register

Wemayuseyourpersonalinformationtopreventcrime.Inordertopreventcrimewemay:shareitwithoperatorsofregistersavailabletotheinsuranceindustrytocheckinformationandpreventfraud.TheseincludebutarenotlimitedtotheClaimsandUnderwritingExchangeRegister.We maypassyourpersonalinformationtotheoperatorsoftheseregisters,includingbutnotlimitedtoinformation relating to your insurancepolicyandanyincident(suchasanaccident,theftorloss)totheoperatorsoftheseregisters.

Governing Law

Unlesssomeotherlawisagreedinwriting,thispolicyisgovernedbyEnglishlaw.Ifthereisadispute,itwillonlybedealtwithinthecourtsofEnglandorofthecountrywithintheUnitedKingdominwhichyourmainresidenceissituated.