Property Insurance Policy Summary for holiday homes abroad and in the UK

This page and the PDF document opposite, provides key information about the insurance policy for overseas holiday homes and second houses in the UK .

Please note that it does not contain the full terms and conditions of this insurance contract; these can be found in the Property Insurance for Homes and Holiday Homes overseas and in the UK policy wording.

Key Facts for Homes and Holiday Homes Overseas and in the UK Property Insurance

• Policy name: Homes & Holiday Homes overseas and in the UK
• Type of insurance: Buildings and contents insurance
• Underwritten by: Certain underwriters at Lloyd’s

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) cover
• Employers’ liability (£5,000,000 / €7,500,000) cover
• 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 signifi cant 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 Intasure directly using the details below:

• The Managing Director
• Intasure
• Phoenix House
• 11 Wellesley Road
• Croydon CR0 2NW
• United Kingdom

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 provided 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;
• 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 specific 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 8°C 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
• Cyprus
• Egypt
• Greece
• Italy
• Monaco
• Morocco
• Portugal including Madeira
• Spain including Canary Islands and Balearics
• South Africa
• Turkey
• United Arab Emirates

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 specified 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

Endorsements are variations or additions to the terms of the Policy. Please refer to your quotation or Policy Schedule to establish which endorsements apply.

The following endorsements only apply if shown on the Policy Schedule:

HH907 – Security Endorsement (Standard)

Will not pay for loss of damage unless:
(a) Whenever the Home or Holiday Home is left unoccupied

Exit doors

The final exit door is fitted with a:

• mortice deadlock or
• cylinder rim lock or
• multi-point locking system

Doors

All other 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

Patio doors

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.
  Windows
• 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.

HH926 Optional Accidental Damage Cover

Your policy is extended to provide optional accidental damage cover for insured and family members.

HH931 Cover Extended to Include Accidental Damage by Tenants

Section 1 - Buildings Optional Accidental Damage Cover and Section 2 - Contents Optional Accidental Damage Cover has been extended to include Accidental Damage caused by Tenants. Cover is subject to a £250 / €375 excess or the policy standard excess whichever is the greater.