Prudential Home Insurance
Prudential Home Insurance
Prudential Home Insurance
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<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong><br />
Your Policy Document<br />
New for Old with Accidental Damage Policy
Contents<br />
Welcome to <strong>Prudential</strong> 2<br />
Important information 2<br />
<strong>Prudential</strong> Customer Service 4<br />
Understanding Your policy 4<br />
Meaning of words 5<br />
Legal Advice Helpline, Emergency Assistance and Glass Replacement Service 7<br />
How to make a claim 8<br />
General exclusions which apply to Sections 1-5 only 8<br />
General conditions which apply to Sections 1-5 only 10<br />
Section 1 Buildings insurance 13<br />
Section 2 Contents insurance 21<br />
Section 3 Personal Possessions 34<br />
Section 4 Pedal Cycles 37<br />
Section 5 <strong>Home</strong> Emergency Legal Protection "(HELP) - Optional extra" 39<br />
Section 6 <strong>Home</strong> Emergency Assistance 45<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> Privacy Notice 50<br />
Your Credit Agreement 54<br />
Useful telephone numbers<br />
Back page<br />
1 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
Welcome to <strong>Prudential</strong><br />
This is Your <strong>Prudential</strong> <strong>Home</strong><br />
<strong>Insurance</strong> Policy underwritten by<br />
U K <strong>Insurance</strong> Limited.<br />
Please read this policy carefully to make<br />
sure that it meets with Your needs and that<br />
You understand what You are (and are not)<br />
insured for.<br />
Contact Us immediately if any corrections<br />
are necessary.<br />
This policy is a contract between<br />
U K <strong>Insurance</strong> Limited and You.<br />
You have applied for this insurance. In<br />
return for the premium, We will insure<br />
You against loss, damage or legal liability<br />
arising during the Period of <strong>Insurance</strong>.<br />
We have not provided You with a personal<br />
recommendation as to whether this policy<br />
is suitable for Your specific needs.<br />
Under European law, You and We may<br />
choose which law will apply to this<br />
contract. English law will apply unless both<br />
parties agree otherwise.<br />
Your policy consists of:<br />
1 The policy document which explains:<br />
> The insurance provided by<br />
each section<br />
> The exclusions and conditions<br />
which apply to all sections of Your<br />
policy.<br />
2 The separate Schedule which shows:<br />
> Your personal details<br />
> The Period of <strong>Insurance</strong><br />
2 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong><br />
> The sections You have chosen<br />
> Details of any Endorsements which<br />
apply to Your policy.<br />
The policy document and Schedule must<br />
be read together.<br />
Important information<br />
Your right to cancel<br />
If, after buying Your policy, You decide<br />
that the cover does not meet Your needs<br />
write to Us at: <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>,<br />
PO Box 106, 37 Broad Street, Bristol<br />
BS99 7NQ within 14 days of receiving<br />
Your documents or of the start date of the<br />
policy (whichever is later) and We will<br />
refund any premium You have paid, less<br />
an administration fee as shown in Your<br />
schedule, providing that You have not<br />
made any claim.<br />
If You cancel Your policy after that time<br />
We will refund any premium paid for<br />
the remaining Period of <strong>Insurance</strong> less<br />
an administration fee, as shown in Your<br />
schedule, providing that You have not<br />
made any claim during the current Period<br />
of <strong>Insurance</strong>.<br />
Policy renewal<br />
If You decide not to renew Your policy<br />
contact us within 14 days of receiving Your<br />
renewal documents or of the start date of<br />
the new Period of <strong>Insurance</strong> (which ever<br />
is later) and We will refund any premium<br />
You have paid, providing that You have not
made any claim during the current Period of<br />
<strong>Insurance</strong>.<br />
If You cancel Your policy after that time We will<br />
refund any premium paid for the remaining<br />
Period of <strong>Insurance</strong> less an administration fee,<br />
as shown in Your schedule, providing that You<br />
have not made any claim during the current<br />
Period of <strong>Insurance</strong>.<br />
How to complain<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> aim to provide<br />
You with outstanding customer service at all<br />
times. However, there may be times when<br />
You feel that We have not done so. If this is<br />
the case, We would rather be told about it so<br />
We can do Our best to solve the problem.<br />
Should there ever be an occasion when You<br />
need to complain, please call Us on Our<br />
priority number 0845 605 9275. If Your<br />
complaint relates to a claim, please contact<br />
Your claims handler whose details will be<br />
shown in Your claims documentation.<br />
If You wish to write, then address Your letter<br />
as follows:<br />
Customer Relations Department,<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>,<br />
Churchill Court<br />
Westmoreland Road<br />
Bromley BR1 1DP.<br />
If we cannot resolve the differences<br />
between us, You may refer Your complaint<br />
to the Financial Ombudsman Service (FOS).<br />
Their address is: South Quay Plaza,<br />
183 Marsh Wall, London E14 9SR, telephone<br />
0845 080 1800.<br />
Details about Our Regulator<br />
U K <strong>Insurance</strong> Limited is authorised<br />
and regulated by the Financial Services<br />
Authority. The Financial Services Authority<br />
website which includes a register of all<br />
regulated firms can be visited at<br />
www.fsa.gov.uk or the Financial Services<br />
Authority can be contacted on 0845 606<br />
1234. U K <strong>Insurance</strong> Limited is entered in<br />
the FSA’s register under number 202810.<br />
Under the Financial Services and Markets<br />
Act 2000, should the company be unable<br />
to meet all its liabilities to policyholders,<br />
compensation may be available. <strong>Insurance</strong><br />
advising and arranging is covered for 90%<br />
of the claim without any upper limit. For<br />
compulsory classes of insurance, insurance<br />
advising and arranging is covered for 100%<br />
of the claim, without any upper limit.<br />
Information can be obtained on request,<br />
or by visiting the Financial Services<br />
Compensation Scheme www.fscs.org.uk.<br />
On behalf of the company<br />
Paul Geddes<br />
Chief Executive<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 3
General information<br />
<strong>Prudential</strong> Customer Service<br />
At <strong>Prudential</strong> We pride ourselves on the service We give You. We rely on Your feedback to<br />
help Us to improve the products and services We provide.<br />
With this in mind, We have General <strong>Insurance</strong> Customer Relations teams, independent<br />
of other staff, who are dedicated to the resolution of customer complaints and improving<br />
customer relations.<br />
Understanding Your policy<br />
Your policy is designed to help You understand what You are insured for.<br />
On many pages there are two headings:<br />
What You are insured for<br />
These sections give details about Your<br />
insurance.<br />
What You are not insured for<br />
These sections draw Your attention to what<br />
You are not insured for.<br />
To make Your policy as short and easy to<br />
follow as possible, We have just listed things<br />
under these two headings. We hope You find<br />
this style helpful.<br />
To help You further, We have included<br />
some explanatory notes in Your policy.<br />
These are printed in boxes like these.<br />
4 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
General information<br />
Meaning of Words<br />
Certain words in the policy document or Your<br />
Schedule have particular meanings, shown<br />
below. Each time We use one of these words,<br />
it will have the same meaning.<br />
Bedroom<br />
A room used as a bedroom or one originally<br />
built to be a bedroom even if it is now used as<br />
something else.<br />
Buildings<br />
Your <strong>Home</strong> and its garages, outbuildings,<br />
landlord’s fixtures and fittings, walls, gates,<br />
fences, hedges, swimming pools, terraces,<br />
patios, drives, footpaths, underground pipes<br />
and drains serving the Buildings including<br />
their inspection covers and cables serving the<br />
Buildings.<br />
Business<br />
Your employment, trade, Business or<br />
profession.<br />
Contents<br />
Household goods, Pedal Cycles, Personal<br />
Belongings, Valuables, Money which You own<br />
or which You are responsible for, including<br />
Your fixtures and fittings. If You are a tenant,<br />
it includes landlord’s fixtures and interior<br />
decorations which You are responsible for and<br />
outbuildings You own.<br />
Contents does not include:<br />
> Animals<br />
> Aircraft, watercraft, caravans and trailers<br />
and their accessories or equipment,<br />
whether or not attached to a vehicle<br />
> Mechanically propelled vehicles, other<br />
than domestic gardening equipment, and<br />
their accessories or equipment whether or<br />
not attached to a vehicle<br />
> Deeds, bonds, securities and any other<br />
documents<br />
> Property more specifically insured under<br />
another policy or section of this policy<br />
> Anything used or held for Business<br />
or professional purposes, other than<br />
Office Equipment.<br />
Credit cards<br />
Credit, cheque, debit, banker’s and cash<br />
dispenser cards, issued in the United<br />
Kingdom to You.<br />
Endorsements<br />
Any alteration or amendment to the wording<br />
or cover of Your policy which We have made<br />
or which You have asked for. Your Schedule<br />
will show details of any Endorsements.<br />
Excess<br />
The part that You must pay towards a claim.<br />
Family<br />
Your spouse, or Partner and other relatives<br />
normally living with You.<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 5
<strong>Home</strong><br />
The private dwelling shown as the address of<br />
the <strong>Home</strong> in Your Schedule.<br />
Money<br />
Coin and bank notes in current circulation,<br />
cheques, postal and money orders, bankers draft,<br />
postage stamps, travel tickets, travellers cheques,<br />
savings stamps, savings certificates, savings<br />
bonds, trading stamps, luncheon vouchers, gift<br />
tokens and also credit, cash or charge cards.<br />
Money does not include anything used or held<br />
for Business or professional purposes.<br />
Office Equipment<br />
Personal computers and their associated<br />
equipment, word processing equipment,<br />
desktop publishing units, multi-user small<br />
business computers, facsimile machines,<br />
photocopiers, typewriters, telecommunication<br />
equipment and office furniture, which You own<br />
or which You are responsible for.<br />
Partner<br />
A person living with You as if married.<br />
Pedal Cycle<br />
Any pedal cycle belonging to You and its<br />
accessories.<br />
Period of <strong>Insurance</strong><br />
This is the period which You are covered for<br />
and is shown in Your Schedule. It includes<br />
any future period shown on any other<br />
Schedules We issue to You provided that You<br />
have paid the premium or agreed to pay the<br />
premium by a separate instalment agreement<br />
and We have accepted payment.<br />
Personal Belongings<br />
Clothes and personal articles normally worn<br />
or carried about You, Sports Equipment, and<br />
photographic equipment.<br />
Personal Belongings do not include Valuables,<br />
Money, mechanically propelled vehicles or<br />
anything used or held for Business or professional<br />
purposes, other than Office Equipment.<br />
Personal Possessions<br />
Personal Belongings, Valuables and Money.<br />
Policyholder<br />
The person or persons named in the Schedule.<br />
<strong>Prudential</strong>, We, Us, Our<br />
U K <strong>Insurance</strong> Limited acting on behalf of<br />
<strong>Prudential</strong>.<br />
Sanitary Fittings<br />
Wash basins and pedestals, bathroom and<br />
kitchen sinks, bidets, lavatory pans and cisterns,<br />
shower trays, shower screens, baths and bath<br />
panels, but not including swimming pools.<br />
Schedule<br />
The Schedule shows (among other things)<br />
Your personal details and the sections You have<br />
chosen.<br />
Sports Equipment<br />
Articles of personal use including sports<br />
clothing specifically designed to be used for<br />
any sporting activity and belonging to You or<br />
Your Family But not items held or used for any<br />
profession, Business or employment.<br />
6 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
Sum Insured<br />
The amount shown in the Schedule or in the<br />
specific section limits shown in the policy<br />
wording, which is the most We will pay for<br />
any number of claims caused by one incident.<br />
Uninsurable Risks<br />
> Wear and tear and depreciation<br />
> Rot, fungus, woodworm, beetle, moth,<br />
insects or vermin<br />
> Mechanical or electrical fault or<br />
breakdown<br />
> Any process of cleaning, dyeing,<br />
renovating, altering, re-styling,<br />
repairing or restoring<br />
> Any other gradually operating cause<br />
> Faulty workmanship, faulty design or<br />
the use of faulty materials<br />
> Changes in atmospheric conditions.<br />
United Kingdom<br />
Great Britain, Northern Ireland, The Channel<br />
Islands and the Isle of Man.<br />
Unoccupied<br />
Not lived in by You or any other person with<br />
Your permission.<br />
Valuables<br />
Articles made at least partly of gold, silver or<br />
other precious metal and jewellery, watches<br />
and furs. Valuables do not include anything<br />
held for Business purposes.<br />
You and Your<br />
The person named in the Schedule and any<br />
member of his or her family permanently<br />
living with him or her.<br />
General information<br />
Legal helpline, emergency assistance<br />
and glass replacement service<br />
Helpline Services<br />
We have arranged a number of useful<br />
services for You available 24 hours a day,<br />
365 days a year.<br />
<strong>Home</strong> Emergency Assistance –<br />
Telephone 0800 032 4164<br />
This is a service available to You to arrange<br />
for help or repairs as a result of any<br />
domestic emergency for example:<br />
> Escape of water from water or central<br />
heating systems in Your <strong>Home</strong><br />
> Blocked drains.<br />
You may be able to get any charges not<br />
covered under Section 6 back under other<br />
sections of this or another insurance policy.<br />
Glass Replacement Service – Telephone<br />
0800 032 4165<br />
If You have broken glass, a free telephone<br />
call to Our nominated glazing specialist will<br />
ensure Your broken glass is repaired<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 7
promptly and the cost (except for the<br />
Excess) will be settled direct between Us<br />
and Our nominated glazing specialist.<br />
Legal Advice Helpline – Telephone<br />
0845 605 9268<br />
The Legal helpline lets You speak to a<br />
qualified legal advisor who can give You<br />
confidential advice on any personal legal<br />
matter. The service only provides advice and<br />
does not cover any costs which You run up<br />
as a result of following the advice. Advice is<br />
available 24 hours a day, 365 days a year. For<br />
extra security, we may record all phone calls<br />
and keep the recording secure.<br />
How to make a claim<br />
Check Your policy and Schedule carefully to<br />
make sure that the loss or damage is covered<br />
under this insurance.<br />
To make a claim under Sections 1-4 call<br />
0845 605 9267 between Mon – Fri 8am –<br />
8pm, Sat 9am – 5pm. Claims notification 24<br />
hours. We will register Your claim straight<br />
away and answer any queries You may have<br />
– any estimates, bills or evidence of value<br />
can be sent to Us afterwards.<br />
For details on how to claim under Sections 5<br />
(<strong>Home</strong> Emergency Legal Protection) and 6<br />
(<strong>Home</strong> Emergency Assistance) please refer<br />
to the appropriate section.<br />
Emergency repairs<br />
Emergency repairs should be carried out<br />
immediately if they will prevent further loss<br />
or damage e.g. replacing a damaged lock<br />
after a break-in or repairing a burst pipe.<br />
(Please call the <strong>Home</strong> Emergency Assistance<br />
telephone number 0800 032 4164 if You<br />
require advice on what to do in the event of<br />
an emergency).<br />
Please keep any receipts for these repairs as<br />
they will form part of Your claim.<br />
Non urgent repairs<br />
If the repairs are not urgent You should<br />
get at least two estimates and forward<br />
these to Us. If any items are lost or<br />
damaged beyond repair then You should<br />
provide evidence of value for these, e.g.<br />
a valuation or purchase receipt – this will<br />
help to deal with Your claim more quickly.<br />
If possible retain damaged property until<br />
We inspect it or settle Your claim.<br />
General information<br />
General exclusions which apply to<br />
Sections 1-5 Only<br />
1 You are not covered for:<br />
> Any legal liability<br />
> Death or bodily injury<br />
8 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
If directly or indirectly caused by,<br />
contributed to by or arising from:<br />
> Ionising radiations or contamination<br />
by radioactivity from any nuclear fuel<br />
or from any nuclear waste from the<br />
combustion of nuclear fuel<br />
> The radioactive, toxic, explosive<br />
or other hazardous properties of<br />
any nuclear assembly or nuclear<br />
component of it<br />
> War, invasion, act of foreign enemy,<br />
hostilities (whether war is declared or<br />
not), civil war, rebellion, revolution,<br />
insurrection, military force or coup<br />
> Pressure waves caused by aircraft or<br />
other aerial devices travelling at sonic<br />
or supersonic speeds.<br />
2 We will not pay for loss, damage or<br />
destruction caused by:<br />
> Any criminal act by You<br />
> Any deliberate act by You, Your<br />
Family, or by any other person<br />
lawfully in the <strong>Home</strong><br />
> Anyone getting any property by<br />
deception.<br />
3 We will not pay for any expense,<br />
loss, damage or legal liability directly<br />
or indirectly caused by pollution or<br />
contamination, unless arising from<br />
leakage of oil from any fixed heating<br />
installation or from any domestic<br />
appliance in Your <strong>Home</strong>.<br />
4 We will not pay for:<br />
> Misuse of Credit Cards, cash cards<br />
or charge cards after the company<br />
which issued the card has been told<br />
in writing that the card has been lost<br />
> Any incident where the terms under<br />
which any Credit Card, cash card or<br />
charge card is issued are not kept to<br />
> Fraudulent use of any Credit Card,<br />
cash card or charge card by You.<br />
Remember: always telephone the relevant<br />
company if You lose a credit, cash or<br />
charge card.<br />
5 We will not pay for any loss, damage or<br />
destruction caused by or arising from:<br />
> Built in defect<br />
> Detention or confiscation by customs or<br />
other official body<br />
> Anything used or held for Business or<br />
professional purposes, other than Office<br />
Equipment<br />
> Uninsurable Risks – We will not pay for<br />
any Uninsurable Risks.<br />
6 Events before the policy starts – We will not<br />
pay for any loss, damage, liability or injury<br />
which happened before the cover under<br />
Your policy started.<br />
7 We will not pay for damage directly or<br />
indirectly due to:<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 9
a) The failure of any computer or other<br />
electrical equipment or component<br />
to recognise correctly any date as its<br />
true calendar date<br />
b) Computer viruses.<br />
8 Terrorism<br />
We will not pay for any expense, loss,<br />
damage or legal liability directly or<br />
indirectly caused by terrorism.<br />
Terrorism is defined as the use of<br />
biological, chemical or nuclear force<br />
or contamination by any person(s) or<br />
group(s) of persons whether or not<br />
committed for political, religious, or<br />
ideological purposes, including the<br />
intention to influence any government or<br />
to put members of the public in fear.<br />
General information<br />
General conditions which apply to<br />
Sections 1-5 only<br />
To have full protection of Your policy You<br />
must keep to the following conditions. If<br />
You do not keep to them, this may make the<br />
policy invalid or We may refuse to deal with<br />
Your claim.<br />
1 Care of Your property<br />
You must take all reasonable steps<br />
to prevent any loss or damage to the<br />
property insured. You must keep all the<br />
property insured in good condition and<br />
in good repair.<br />
10 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong><br />
2 Date of cause of any loss or damage<br />
To claim under this policy the cause of<br />
any loss or damage must occur during<br />
the Period of <strong>Insurance</strong>.<br />
3 Keeping to policy terms<br />
When claiming under the policy You<br />
must comply with all exclusions,<br />
Endorsements and conditions.<br />
4 Changes in Your circumstances<br />
You must tell Us in writing as soon as<br />
possible of any change which may<br />
affect the insurance, and in particular<br />
any change of address. If You are in any<br />
doubt as to whether a fact is relevant,<br />
please ask Us. As the premium is based<br />
on the number of Bedrooms in Your<br />
<strong>Home</strong> You must also tell Us of any<br />
change in the number of Bedrooms. It is<br />
essential that You inform Us if You have<br />
been convicted of any offence (other<br />
than motoring).<br />
5 How to claim<br />
You must:<br />
> Tell Us as soon as possible either by<br />
telephone or in writing of any loss,<br />
damage or claim<br />
> Tell the police immediately of any<br />
loss, theft or malicious damage
Send Us any statement of claims or<br />
summons and every relevant letter,<br />
claim or other document immediately<br />
it is received<br />
> Give Us all the information and help<br />
We need<br />
> You must provide Us with reasonable<br />
evidence of value or age (or both) for<br />
all items involved in a claim.<br />
You must not:<br />
> Admit or deny any claim made<br />
against You or negotiate, pay or<br />
settle the claim without Our written<br />
permission<br />
> Abandon any property to Us.<br />
6 Our rights<br />
We may at Our discretion:<br />
> Take over the defence or settlement<br />
of any claim<br />
> Try to get recoveries or compensation<br />
from any other parties at any time in<br />
Your name or in the name of anyone<br />
else claiming under this policy.<br />
7 Other insurances<br />
If any claim under this policy is also<br />
covered by any other insurance, We will<br />
be liable only for Our share of the claim.<br />
8 Fraud<br />
You or any person acting for You must not<br />
make false claims.<br />
If You or anyone acting for You makes a<br />
claim knowing any part of it to be false<br />
or exaggerated in any way, or if You<br />
deliberately cause loss or damage, We will<br />
not pay the claim and We will cancel Your<br />
policy and all other policies which are<br />
underwritten by U K <strong>Insurance</strong> Limited<br />
that You are connected to.<br />
9 Instalment plan<br />
The following only apply if the premium<br />
for this policy is being paid by an<br />
instalment plan:<br />
> If We do not receive any payment on<br />
or before it’s due date We may not pay<br />
any claim arising from an event which<br />
happened on or after that due date<br />
> If Your direct debit is not paid when We<br />
request it We will present it for a second<br />
time<br />
> If an unpaid direct debit is not paid when<br />
We request it for a second time this<br />
policy will be cancelled from the due<br />
date of the first unpaid instalment. From<br />
that date (and including it) all cover<br />
under this policy will stop<br />
> If We accept and pay a claim under this<br />
policy, We may take off any unpaid<br />
instalments from the claim payment.<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 11
10 Administration Fees<br />
a) We may cancel the policy by sending<br />
You seven days notice in writing to Your<br />
last known address. We will refund any<br />
premium paid for the remainder of the<br />
Period of <strong>Insurance</strong>, providing that You<br />
have not made any claim during the<br />
current Period of <strong>Insurance</strong>.<br />
b) You may cancel the policy by<br />
contacting Us on 0845 605 9275 or<br />
sending Us notice in writing. We<br />
will refund any premium paid for the<br />
remaining Period of <strong>Insurance</strong> less an<br />
administration fee as shown in Your<br />
schedule, providing that You have not<br />
made any claim during the current<br />
Period of <strong>Insurance</strong>.<br />
c) If You make any change to the policy<br />
during the Period of <strong>Insurance</strong> You may<br />
have to pay an administration fee as<br />
shown in Your schedule..<br />
12 Auto renewal<br />
We may offer to renew Your policy for<br />
You automatically – this saves You the<br />
worry of remembering to call Us before<br />
Your policy expires. If We offer to do<br />
this for You, We will write to You before<br />
Your policy expires with full details of<br />
Your next year’s premium. If You do not<br />
want to renew this policy, all You need to<br />
do is call Our Customer Priority Line on<br />
0800 300 300 to let Us know.<br />
13 Locks discount<br />
If You have told Us the <strong>Home</strong> has<br />
security locks and these are not in<br />
effective and full operation at the time<br />
of a theft, You will be responsible for<br />
double the contents policy excess<br />
described in Your policy schedule in<br />
respect of any theft claim.<br />
11 Joint Policyholder<br />
Where the Schedule confirmation notes<br />
the interest(s) of other parties then these<br />
shall have the same rights and interests<br />
as the Policyholder.<br />
12 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
Section 1 - Buildings insurance<br />
A guide to Section 1<br />
Your Schedule will show which sections You have chosen, and what Excess will normally<br />
apply.<br />
There is a definition of Buildings in the Meaning of Words shown in the General<br />
Information Section of Your policy.<br />
A - Loss or damage<br />
What You are insured for<br />
Your policy covers:<br />
Damage to the Buildings.<br />
What You are not insured for<br />
You are not covered for:<br />
> Anything in the General Exclusions<br />
shown in the General Information<br />
Section of Your policy<br />
> Any causes excluded in the Schedule<br />
> Any causes excluded in the<br />
Endorsements<br />
> The Excess for this section as shown in<br />
Your Schedule<br />
> Damage by frost as a result of storm or<br />
flood (or both)<br />
> Damage to gates, hedges and fences as<br />
a result of storm or flood (or both)<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 13
What You are insured for<br />
What You are not insured for<br />
> Damage while Your <strong>Home</strong> is left<br />
unoccupied for more than 30<br />
consecutive days:<br />
1) As a result of:<br />
- Vandalism or malicious acts<br />
- Theft or attempted theft<br />
- Escape of water from or the<br />
freezing of:<br />
a) Any domestic water or<br />
heating installation<br />
b) A washing machine or<br />
dishwasher<br />
c) A fish tank<br />
d) A water bed.<br />
2) to:<br />
- Fixed glass (including ceramic<br />
hobs and double glazing units)<br />
forming part of the Buildings<br />
- Fixed sanitary fixtures forming<br />
part of the Buildings<br />
> The Excess shown in Your Schedule<br />
for damage caused by subsidence or<br />
heave (or both) of the site on which<br />
the Buildings stand, or landslip<br />
14 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
What You are insured for<br />
What You are not insured for<br />
> Damage as a result of subsidence or<br />
heave (or both) of the site on which<br />
the Buildings stand, or landslip:<br />
- Caused to walls, gates, fences,<br />
paths, drives, terraces, patios and<br />
swimming pools unless Your <strong>Home</strong><br />
or its garages or outbuildings are<br />
also damaged at the same time by<br />
the same cause<br />
- Caused solely by normal<br />
settlement, shrinkage or expansion<br />
of the Buildings<br />
- Resulting from the movement<br />
of solid floor slabs, unless the<br />
foundations under the outside<br />
walls of Your <strong>Home</strong> are damaged at<br />
the same time by the same cause<br />
- Caused by coastal or river erosion<br />
- Resulting from the use of defective<br />
materials or faulty workmanship<br />
- Demolition, structural repairs or<br />
alterations to the Buildings.<br />
> Damage caused by breakage,<br />
scratching, marking or staining while<br />
Your <strong>Home</strong> is:<br />
- Shared with any person other than<br />
You<br />
- Lent, let or sublet by You.<br />
> Damage caused by chewing,<br />
scratching, tearing or fouling by any<br />
domestic pet.<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 15
What You are insured for<br />
What You are not insured for<br />
B - Additional cover<br />
The following are included in this section:<br />
1 Debris removal and fees<br />
For loss or damage as a result of any<br />
sections insured under this section We<br />
will pay necessary costs and expenses<br />
in connection with reinstating the<br />
Buildings for:<br />
> Dismantling, demolition, shoring or<br />
propping up of the Buildings and<br />
removing debris from the site<br />
> Fees incurred with Our consent<br />
> The extra costs of reinstating the<br />
Buildings that You have to pay<br />
in meeting government or local<br />
authority requirements.<br />
> The cost of preparing any claim You<br />
may have under this policy<br />
> The notice of government or local<br />
authority requirements had been<br />
served before the damage occurred.<br />
2 Loss of rent and alternative accommodation for You and Your pets<br />
While Your <strong>Home</strong> cannot be lived in<br />
following damage We will pay for:<br />
> The amount of rent You lose<br />
including ground rent<br />
> The cost of somewhere else, similar<br />
and reasonable, for You and Your<br />
pets to live.<br />
> Any cost or expense more than<br />
£15,000<br />
> Ground rent for more than 2 years<br />
> Any period after Your <strong>Home</strong> has been<br />
reinstated or the claim settled.<br />
16 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
What You are insured for<br />
3 Conveyancing cover<br />
<strong>Insurance</strong> when Your <strong>Home</strong> is being sold<br />
If You have exchanged contracts to sell<br />
Your Buildings, We will give the buyer<br />
the benefit of this insurance up to the<br />
date of completion.<br />
What You are not insured for<br />
Cover if the Buildings are insured under<br />
any other policy.<br />
C - Inflation protection<br />
We will increase the Sum Insured each<br />
month in line with increases in the House<br />
Rebuilding Cost Index prepared by the<br />
Royal Institution of Chartered Surveyors or<br />
another index of Our choice.<br />
Your annual premium will be based on the<br />
increased Sum Insured. The Sum Insured<br />
will not change if the index value goes<br />
down.<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 17
D - Settling a claim under Section 1 - Buildings<br />
We will at Our option, either pay for the<br />
amount of the loss or damage, or for the cost<br />
of work carried out in repairing or reinstating<br />
the Buildings.<br />
We will not make a deduction for wear and<br />
tear if repair or reinstatement is carried out,<br />
if You have kept the Buildings in a good state<br />
of repair.<br />
If at the time of the loss or damage the<br />
maximum amount payable shown in<br />
Your Schedule is less than the full cost of<br />
reconstructing the Buildings in the same<br />
form, style, size and condition as new, We<br />
will reduce the amount payable for any<br />
claim by the proportion that the maximum<br />
amount payable bears to the full cost of<br />
reconstructing the Buildings.<br />
The Sum Insured will not be reduced by a<br />
claim payment unless there is a total loss<br />
of the Buildings or We pay the full Sum<br />
Insured.<br />
Amount payable<br />
The maximum amount payable for any one<br />
incident.<br />
Buildings<br />
> If ‘unlimited’ is shown in Your Schedule<br />
under Buildings, We will pay all relevant<br />
costs less any Excess You must pay.<br />
> If a Sum Insured is shown in Your<br />
Schedule under Buildings, We will pay<br />
this amount less any Excess You must<br />
pay.<br />
See the General Conditions in the General<br />
Information Section of Your policy.<br />
18 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
What You are insured for<br />
What You are not insured for<br />
E - Liability Cover<br />
Cover for Your legal liability to third<br />
parties as owner of the Buildings<br />
We will pay for all sums for which You<br />
are legally liable to pay as damages as<br />
owner of the Buildings arising from the<br />
following causes:<br />
a) Accidental death or bodily injury<br />
to anyone (but not Your employees<br />
arising out of or during their<br />
employment)<br />
b) Accidental loss of or damage to<br />
property in the United Kingdom,<br />
Republic of Ireland, Europe,<br />
Mediterranean Islands and Coastal<br />
Lands, Madeira and the Canary<br />
Islands<br />
c) Accidental death or bodily injury to<br />
anyone You employ:<br />
> As a domestic servant<br />
> To repair, renovate or decorate<br />
Your permanent residence<br />
> To repair, renovate or decorate<br />
Your temporary residence in the<br />
United Kingdom or the Republic<br />
of Ireland.<br />
Accidental death or bodily injury to You.<br />
Accidental loss of or damage to property<br />
belonging to You.<br />
Liability arising out of or from:<br />
> Any injury, illness, death, loss, expense,<br />
or any other liability caused directly or<br />
indirectly by Human Immunodeficiency<br />
Virus (HIV) and related illness<br />
including Acquired Immune Deficiency<br />
Syndrome (AIDS) and mutant<br />
derivations or variations including the<br />
treatment for them<br />
> Your profession, Business or<br />
employment<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 19
What You are insured for<br />
What You are not insured for<br />
> Any agreement or contract which<br />
introduced liability that would not have<br />
existed otherwise<br />
> The ownership, possession or use<br />
of any lift, mechanically-propelled<br />
vehicle, aircraft or watercraft, other<br />
than model aircraft or watercraft, hand<br />
or foot propelled watercraft less than<br />
5 metres long, surf or sail boards and<br />
domestic gardening equipment<br />
> The ownership of any land or building<br />
other than the land or Buildings<br />
insured under the Buildings section<br />
> Your capacity as Occupier of Your<br />
<strong>Home</strong>.<br />
Amount payable<br />
The maximum amount We will pay for all<br />
liability arising out of any one incident,<br />
plus legal costs recoverable from You and<br />
costs and expenses incurred by You with<br />
Our written consent is:<br />
For claims under causes a) and b) We will<br />
pay up to £2,000,000.<br />
For claims under cause c) We will pay up<br />
to £10,000,000.<br />
In addition, if You die We will provide<br />
legal liability cover for Your legal personal<br />
representatives for any accident covered<br />
by this section.<br />
20 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
Section 2 - Contents insurance<br />
A guide to Section 2<br />
Your Schedule will show which sections You have chosen and what Excess will normally<br />
apply.<br />
There are definitions of Contents, Personal Belongings, Valuables and Money in the<br />
Meaning of Words shown in the General Information Section of Your policy.<br />
A - Loss or damage<br />
What You are insured for<br />
Your policy covers:<br />
Loss of or damage (including accidental<br />
damage) to Your Contents while they are<br />
in the Buildings.<br />
What You are not insured for<br />
You are not covered for:<br />
> Anything in the General Exclusions<br />
shown in the General Information<br />
Section of Your policy<br />
> Any causes excluded in the Schedule<br />
> Any causes excluded in the<br />
Endorsements<br />
> The Excess for this section as shown in<br />
Your Schedule.<br />
Loss or damage while Your <strong>Home</strong> is left<br />
Unoccupied for more than 30 consecutive<br />
days<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 21
What You are insured for<br />
What You are not insured for<br />
1 As a result of:<br />
2 To:<br />
- Theft<br />
- Vandalism or malicious acts<br />
- Escape of water from or the<br />
freezing of:<br />
a) Any domestic water or heating<br />
installation<br />
b) A washing machine or<br />
dishwasher<br />
c) A fish tank<br />
d) A waterbed.<br />
- Mirrors<br />
- Glass in furniture and plate glass<br />
tops to furniture<br />
- Unfixed ceramic hobs.<br />
> Damage caused by breakage,<br />
scratching, marking or staining while<br />
Your <strong>Home</strong> is:<br />
- Shared with any person other than<br />
You<br />
- Lent, let or sublet by You.<br />
22 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
What You are insured for<br />
What You are not insured for<br />
> Deterioration of food or drink.<br />
> A satellite TV Aerial misaligned by any<br />
means.<br />
> Accidental damage to tapes, discs,<br />
records and cartridges.<br />
> Damage caused by chewing,<br />
scratching, tearing or fouling by any<br />
domestic pet.<br />
> Loss of Money unless theft is by<br />
forcible and violent means.<br />
> Loss by deception other than deception<br />
used solely to enter Your <strong>Home</strong> .<br />
> Loss of or damage to Your Contents as<br />
a result of theft or attempted theft not<br />
involving entry or exit by forcible and<br />
violent means to or from the Building,<br />
if Your <strong>Home</strong> is:<br />
- Shared with any person other than<br />
You<br />
- Lent, let or sublet by You.<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 23
What You are insured for<br />
What You are not insured for<br />
> Loss or damage to Your Contents as a<br />
result of subsidence or heave (or both) of<br />
the site on which the Buildings stand, or<br />
landslip, while they are in the Buildings:<br />
- Caused solely by normal<br />
settlement, shrinkage or expansion<br />
of the Buildings<br />
- Resulting from the movement<br />
of solid floor slabs, unless the<br />
foundations under the outside<br />
walls of Your <strong>Home</strong> are damaged at<br />
the same time by the same cause<br />
- Caused by coastal or river erosion<br />
- Resulting from the use of defective<br />
materials or faulty workmanships.<br />
B - Additional cover<br />
The following are included in this section:<br />
1 Metered water<br />
Loss of metered water as a result of<br />
any of the causes insured under this<br />
section.<br />
Loss or damage while Your <strong>Home</strong> is left<br />
Unoccupied for more than 30 consecutive<br />
days.<br />
24 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
What You are insured for<br />
2 Central heating oil<br />
Loss of central heating oil as a result of<br />
any of the causes insured under this<br />
section.<br />
3 Contents left outside<br />
Loss or damage as a result of any of<br />
the causes insured under this section<br />
to Contents outside but within the<br />
boundaries or the land on which the<br />
Buildings stand.<br />
The most We will pay for a claim is<br />
£500.<br />
What You are not insured for<br />
Loss or damage while Your <strong>Home</strong> is left<br />
Unoccupied for more than 30 consecutive<br />
days.<br />
Loss or damage to:<br />
> Valuables or Money<br />
> Trees, plants and shrubs<br />
> Any items insured more specifically<br />
under this policy.<br />
4 Stored furniture<br />
Loss of or damage to Contents<br />
temporarily stored in any furniture<br />
depository in the United Kingdom or<br />
the Republic of Ireland.<br />
This only applies if the loss or the<br />
damage is a result of:<br />
Loss of or damage to:<br />
> Valuables, Money, stamp collections<br />
> Contents insured separately.<br />
> Fire, explosion, smoke, lightning or<br />
earthquake<br />
> Theft involving entry or exit by<br />
forcible and violent means to or<br />
from the depository.<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 25
What You are insured for<br />
What You are not insured for<br />
5 Removals<br />
Loss or damage to Contents<br />
remaining in the United Kingdom and<br />
the Republic of Ireland, while they are<br />
being moved between Your <strong>Home</strong><br />
and any property where You intend to<br />
live permanently. This includes going<br />
to or from a furniture depository.<br />
Loss or damage to:<br />
> Valuables, Money, stamp collections<br />
> Contents insured separately<br />
> Contents in a furniture depository.<br />
6 Temporary removal<br />
Loss of or damage (including<br />
accidental damage) to Contents<br />
temporarily removed from the<br />
Buildings.<br />
However for theft of Contents (but<br />
not Money) the theft must be in:<br />
> A bank, safe deposit or occupied<br />
private dwelling<br />
> Loss of or damage to Contents in a<br />
furniture depository<br />
> Loss of or damage to property in transit<br />
or on the person caused by storm or<br />
flood<br />
> Accidental loss of contents<br />
> Theft from any motor vehicle.<br />
> A building where You are living,<br />
employed or carrying on Business<br />
> Any other building or caravan<br />
where there was entry or exit by<br />
forcible and violent means<br />
26 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
What You are insured for<br />
What You are not insured for<br />
> The course of moving to or from<br />
any bank or safe deposit whilst<br />
in Your charge or any authorised<br />
person’s charge.<br />
For theft of Money, the theft must<br />
be in a Building or caravan where<br />
there was entry or exit by forcible and<br />
violent means.<br />
7 Loss of rent and alternative<br />
accommodation for You and<br />
your pets<br />
While Your <strong>Home</strong> cannot be lived in<br />
because of loss or damage (including<br />
accidental damage), We will pay for:<br />
> Any rent payable which You are<br />
responsible for<br />
Any period after Your <strong>Home</strong> has been<br />
reinstated or the claim settled.<br />
> The cost of renting somewhere<br />
else, similar and reasonable, for You<br />
and Your pets to live.<br />
The maximum amount payable for<br />
costs or expenses will be 20% of the<br />
Contents Sum Insured maximum<br />
shown in Your Schedule.<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 27
What You are insured for<br />
What You are not insured for<br />
8 Replacing outside locks and keys<br />
We will pay for the cost of replacing<br />
locks and keys to any outside doors<br />
of the Buildings if the keys have been<br />
stolen. However, the theft must be<br />
reported to the police.<br />
9 Seasonal increase<br />
During the period 1 December to 15<br />
January and if within the Period of<br />
<strong>Insurance</strong> shown on the Schedule,<br />
the Sum Insured by the Section is<br />
increased by 10%.<br />
C - Frozen foods<br />
We will pay for:<br />
Food or drink which goes bad or gets<br />
contaminated in any domestic deep<br />
freezer in the Buildings. This only applies<br />
if it was caused by failure of the freezer or<br />
the power supply.<br />
The reasonable cost of hiring temporary<br />
freezer space of the same size.<br />
> Food or drink which goes bad or gets<br />
contaminated because of a deliberate<br />
act of the power supply company or its<br />
employees.<br />
> Loss from any domestic deep freezer if<br />
the freezer is more than 15 years old.<br />
28 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
D - Inflation protection<br />
We will increase the Sum Insured but not<br />
the limits each month in line with increases<br />
in the Consumer Durables Section of the<br />
Retail Price Index or another index of Our<br />
choice.<br />
Your annual premium will be based on the<br />
increased Sum Insured and limits. The Sum<br />
Insured will not change if the index value<br />
goes down.<br />
E - Settling claims under Section 2<br />
We will at Our option, either replace the<br />
lost or damaged item or pay for the cost of<br />
repair or replacement as new.<br />
We will not deduct an amount for wear<br />
and tear from the cost of replacement of<br />
Your Contents except for clothing, and<br />
Sports Equipment.<br />
If at any time of the loss or damage, the<br />
amount of insurance (shown in Your<br />
Schedule) is less than the full cost of<br />
replacing all Your Contents as new (except<br />
for clothing, and Sports Equipment for<br />
which wear and tear should be taken off)<br />
We will reduce the amount payable for any<br />
claim by the proportion that the maximum<br />
amount payable bears to the full cost of<br />
replacing Your Contents. We will then<br />
apply the limits shown within the policy<br />
wording.<br />
If You claim for an item specified in Your<br />
Schedule, You will need to provide proof<br />
of the item’s value. We recommend that<br />
You keep copies of valuations, receipts,<br />
photographs and instruction booklets to<br />
help You do this.<br />
The Sum Insured will not be reduced by<br />
claims payment unless the claim relates to<br />
the total loss of any specified item, or We<br />
the full Sum Insured.<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 29
Amount payable<br />
The maximum amount payable for any one<br />
incident:<br />
Contents<br />
> The maximum amount payable for<br />
contents shown in Your Schedule.<br />
Valuables<br />
> 10% of the Contents Sum Insured for<br />
any one Valuable unless specified on the<br />
Schedule.<br />
What You are insured for<br />
> The amount shown on the Schedule<br />
as the ‘Valuables Limit’ for total loss of<br />
unspecified Valuables<br />
> The amount shown in items 3 and 7 of<br />
this section.<br />
Money<br />
> £300<br />
Office Equipment<br />
> £6,000.<br />
What You are not insured for<br />
F - 1 Your liabilty to the owner of the<br />
buildings<br />
We will pay for the damage to the<br />
Buildings which, as tenant You are legally<br />
responsible for.<br />
We will pay any amount up to 10% of the<br />
Contents Sum Insured shown in Your<br />
Schedule.<br />
Anything under the heading "What You are<br />
not insured for".<br />
Damage as a result of the following while<br />
Your <strong>Home</strong> is left Unoccupied for more<br />
than 30 consecutive days:<br />
> Accidental breakage of fixed glass<br />
(including ceramic hobs and double<br />
glazing fixed units) fixed sanitary fixtures<br />
> Theft or attempted theft.<br />
Damage by frost as a result of storm or<br />
flood (or both).<br />
30 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
What You are insured for<br />
What You are not insured for<br />
Damages to gates, hedges, fences as a<br />
result of storm or flood (or both).<br />
The first £1000 of any amount payable for<br />
damage caused by subsidence or heave<br />
(or both) of the site on which the Buildings<br />
stand or landslip regardless of the Excess<br />
shown in Your Schedule.<br />
Damage as a result of subsidence or heave<br />
(or both) of the site on which the Buildings<br />
stand, or landslip:<br />
> Caused to walls, gates, fences, paths,<br />
drives, terraces, patios and swimming<br />
pools unless Your <strong>Home</strong> or its garages<br />
or outbuildings are also damaged at the<br />
same time by the same cause<br />
> Caused solely by normal settlement,<br />
shrinkage or expansion of the Buildings<br />
> Resulting from the movement of solid floor<br />
slabs unless the foundations under the<br />
outside walls of Your <strong>Home</strong> are damaged<br />
at the same time by the same cause<br />
> Caused by coastal or river erosion<br />
> Resulting from the use of defective<br />
materials or faulty workmanship.<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 31
What You are insured for<br />
What You are not insured for<br />
F - 2 Family liabilities cover<br />
Cover for Your legal liability to third<br />
parties.<br />
We will pay for all sums for which You are<br />
legally liable to pay as damages arising<br />
from the following causes:<br />
a) Accidental death or bodily injury to<br />
anyone (but not Your employees<br />
arising out of or during their<br />
employment)<br />
b) Accidental loss of or damage to<br />
property in the United Kingdom,<br />
Republic of Ireland, Europe,<br />
Mediterranean Islands and Coastal<br />
Islands, Madeira and the Canary<br />
Islands<br />
c) Accidental death or bodily injury to<br />
anyone You employ:<br />
> As a domestic servant;<br />
> To repair, renovate or decorate<br />
Your permanent residence<br />
Accidental death or bodily injury to You.<br />
Accidental loss of or damage to property<br />
belonging to You, or in Your custody and<br />
control.<br />
Liability arising out of or from:<br />
> Any injury, illness, death, loss,<br />
expense, or any other liability caused<br />
directly or indirectly by Human<br />
Immunodeficiency Virus (HIV) or any<br />
HIV related illness including Acquired<br />
Immune Deficiency Syndrome (AIDS)<br />
and mutant derivations or variations<br />
including the treatment for them<br />
> Your profession, Business or<br />
employment<br />
> Any agreement or contract which<br />
introduced liability that would not<br />
have existed otherwise<br />
32 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
What You are insured for<br />
What You are not insured for<br />
> To repair, renovate or decorate Your<br />
temporary residence in the United<br />
Kingdom or the Republic of Ireland.<br />
Amount payable<br />
The maximum We will pay for all liability<br />
arising out of any one incident, plus legal<br />
costs recoverable from You and costs<br />
and expenses incurred by You with Our<br />
written consent is:<br />
> For claims under causes (a) and (b) up<br />
to - £2,000,000.<br />
> For claims under cause (c) up to -<br />
£10,000,000<br />
In addition, if You die, We will provide<br />
legal liability cover for Your legal personal<br />
representatives for any accident covered by<br />
this section.<br />
> The ownership, possession or use of<br />
any lift, mechanically-propelled vehicle,<br />
aircraft or watercraft other than model<br />
aircraft, model watercraft, hand or footpropelled<br />
watercraft less than 5 metres<br />
long, surf or sail boards and domestic<br />
gardening equipment<br />
> The occupation of any land or building<br />
other than Your permanent or temporary<br />
residence containing property insured<br />
under the Contents section<br />
> The ownership of any land or<br />
building<br />
> Any death or bodily injury caused by<br />
a dog as specified in the Dangerous<br />
Dogs Act 1991<br />
> The ownership, possession or use<br />
of any living creatures other than<br />
domestic animals<br />
> Any wilful or malicious act.<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 33
Section 3 - Personal Possessions<br />
A guide to Section 3<br />
Your Schedule will show which sections You have chosen, and what Excess will normally<br />
apply.<br />
Personal Possessions are Personal Belongings, Valuables and Money (definitions of these<br />
are in the Meaning of Words, shown in the General Information Section of Your policy) and<br />
anything shown in the ‘Personal Possessions’ section of the Schedule.<br />
A - Loss or damage<br />
What You are insured for<br />
Accidental loss of or damage to anything<br />
shown in the ‘Personal Possessions’<br />
section of the Schedule anywhere in the<br />
world.<br />
What You are not insured for<br />
You are not covered for:<br />
> Anything in the General Exclusions<br />
shown in the General Information<br />
Section of Your policy<br />
> Any causes excluded in the Schedule<br />
> Any causes excluded in the<br />
Endorsements<br />
> The Excess for this section as shown in<br />
Your Schedule.<br />
Loss of or damage to:<br />
> Valuables<br />
> Photographic equipment<br />
Worth over £2,000 in total, while left<br />
in an unoccupied vehicle or while left<br />
unattended in a place to which the public<br />
have or may obtain access.<br />
34 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
What You are insured for<br />
What You are not insured for<br />
Damage caused by chewing, scratching,<br />
tearing or fouling by any domestic pet.<br />
Any property insured more specifically.<br />
Damage to musical instruments by<br />
breaking strings or by bruising, denting or<br />
scratching of woodwork or by cracking or<br />
splitting skins or drums.<br />
Loss, damage or destruction caused by or<br />
arising from<br />
> Uninsurable Risks.<br />
Loss of or damage to any Pedal Cycles or<br />
their accessories.<br />
> Detention or confiscation by customs<br />
or another official body<br />
> Property held or used for any<br />
profession, Business or Employment.<br />
Breaking sports racquets or their strings,<br />
cricket bats, hockey sticks or lacrosse<br />
sticks, while in use.<br />
Loss of or damage while acting as a<br />
professional in a sport, unless You are a<br />
farmer or gamekeeper using a sporting gun.<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 35
B - Settling claims under Section 3<br />
How We settle a claim<br />
We will, at Our option, replace the lost or<br />
damaged item or pay for the cost of repair or<br />
current replacement value.<br />
We will not make a deduction for wear and<br />
tear from the amount of the claim payment<br />
except for clothing, and Sports Equipment.<br />
If You claim for an item specified in Your<br />
Schedule, You will need to provide proof<br />
of the item’s value. We recommend that<br />
You keep copies of valuations, receipts,<br />
photographs and instruction booklets to<br />
help You do this.<br />
The Sum Insured will not be reduced by a<br />
claims payment unless the claim relates to<br />
the total loss of any specified item, or We<br />
pay the full Sum Insured.<br />
Amount payable<br />
The maximum amount payable for any<br />
one incident, unless it says otherwise in<br />
Endorsements or the ‘Personal Possessions’<br />
section of the Schedule will be the total Sum<br />
Insured on Personal Possessions shown on<br />
the Schedule, subject to the following limits:<br />
Specified Items<br />
> The Sum Insured by any item specifically<br />
listed on the Schedule.<br />
Unspecified Personal Possessions<br />
> £1000 for any one item.<br />
Money<br />
> The limit shown on the Schedule.<br />
36 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
Section 4 - Pedal Cycles<br />
A guide to Section 4<br />
Your Schedule will show which sections You have chosen, and what Excess will normally apply.<br />
A - Loss or damage<br />
What You are insured for<br />
Accidental loss or damage to Pedal Cycles<br />
and their accessories subject to the limits<br />
as specified in the Schedule belong to<br />
You anywhere in the world.<br />
What You are not insured for<br />
> Anything in the General Exclusions<br />
shown in the General Information<br />
Section of Your policy<br />
> Any causes excluded in the Schedule<br />
> Any causes excluded in the<br />
Endorsements<br />
> The Excess for this section as shown in<br />
Your Schedule<br />
> Loss of or Damage to any Pedal Cycles<br />
by theft or attempted theft, while left<br />
unattended away from the Buildings,<br />
unless secured by a padlock and chain<br />
or similar anti-theft device<br />
> Loss or damage to tyres or accessories<br />
unless the Pedal Cycle is lost or<br />
damaged at the same time<br />
> While the Pedal Cycle is being used<br />
for racing, pacemaking, competition,<br />
demonstration, exhibition or trials<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 37
What You are insured for<br />
What You are not insured for<br />
> Uninsurable Risks<br />
> Pedal Cycles more specifically insured<br />
by any other policy.<br />
B - Settling claims under Section 4<br />
How We settle a claim<br />
We will, at Our option, replace the lost or<br />
damaged item or pay for the cost of repair or<br />
current replacement value.<br />
We will not make a deduction for wear and<br />
tear from the amount of the claim payment.<br />
The Sum Insured will not be reduced by a<br />
claims payment unless the claim relates to<br />
the total loss of any specified item, or We<br />
pay the full Sum Insured.<br />
Amount payable<br />
The maximum amount payable for any<br />
one cycle and its accessories, unless it says<br />
otherwise in Endorsements or the ‘Pedal<br />
Cycles’ section of the Schedule will be the<br />
limit shown in the Schedule .<br />
38 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
Section 5 – <strong>Home</strong> Emergency Legal Protection (HELP) - Optional extra<br />
This section only applies if it is shown on<br />
Your schedule. This section covers legal<br />
expenses.<br />
How to make a claim for legal expenses<br />
1 Phone Our legal advice helpline on<br />
0845 605 9268. Please have Your <strong>Home</strong><br />
insurance policy number available when<br />
You call.<br />
2 You must tell the Legal advice line of any<br />
incident which may lead to a claim under<br />
the policy. You must do this as soon as<br />
possible, and always within 180 days of<br />
the date that You knew about or should<br />
have known about the incident.<br />
3 We will send You a claim form to fill in<br />
and return to Us. For extra security, We<br />
may record all phone calls and keep the<br />
recording secure.<br />
Legal Helpline – 0845 605 9268<br />
You can ring the helpline to discuss any<br />
private legal problem. This service is here to<br />
help, so please feel free to use it.<br />
While You have a current policy with Us, the<br />
helpline is available 24 hours a day, seven<br />
days a week. In particular, if something You<br />
are proposing to do may result in a legal<br />
claim, You must talk to Us first.<br />
For extra security, We may record all phone<br />
calls and keep the recording secure.<br />
The following definitions are in addition to<br />
or may replace those shown on pages 5-7 of<br />
the policy. In this section 5 only, the words<br />
below will have the following meanings<br />
Costs The professional fees and expenses<br />
reasonably and necessarily charged by Your<br />
Solicitor in proportion to the value of Your<br />
claim and how complicated it is. We will also<br />
pay costs which You are ordered to pay by<br />
a court or other organisation and any other<br />
costs We agree to in writing.<br />
The most We will pay for all costs will be<br />
£50,000 for any claim or claims arising from<br />
any one incident.<br />
Date of incident Either:<br />
> the date of the incident that has led to this<br />
claim; or<br />
> the date of the first incident, if there are a<br />
number of incidents<br />
whichever is earlier.<br />
Full enquiry A full examination of all aspects<br />
of Your personal tax affairs by HM Revenue<br />
& Customs.<br />
Solicitor Any suitably qualified person<br />
appointed to represent You under this<br />
section.<br />
Territorial limits The United Kingdom.<br />
For claims relating to ‘personal injury’ and<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 39
‘contract dispute’, the Territorial limits<br />
also include the European Union, Albania,<br />
Andorra, Bosnia Herzegovina, Croatia,<br />
Gibraltar, Iceland, Liechtenstein, Macedonia,<br />
Monaco, Montenegro, Norway, San Marino,<br />
Serbia, Switzerland and Turkey (west of the<br />
Bosphorus).<br />
United Kingdom Great Britain, the Isle<br />
of Man, the Channel Islands and Northern<br />
Ireland.<br />
You, Your The person named as the<br />
Policyholder in the schedule, their partner<br />
and members of their Family (including foster<br />
children) who normally live with them.<br />
Cover provided<br />
We will pay for the following.<br />
1 Costs in the event of the following.<br />
a) Personal injury – Death or bodily injury<br />
to You.<br />
b) Contract dispute – A dispute arising out<br />
of an agreement You have for:<br />
> buying or hiring goods or services;<br />
> selling goods; or<br />
> buying or selling Your <strong>Home</strong>.<br />
c) Property protection – A dispute arising<br />
out of You owning or living in Your <strong>Home</strong>.<br />
d) Employment – A dispute arising out of<br />
Your employment.<br />
e) Tax protection – A Full enquiry by<br />
40 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong><br />
HM Revenue & Customs, if the enquiry<br />
resulted from Your work as an employee.<br />
f) Inheritance dispute – A dispute over<br />
something left to You in a will.<br />
g) Legal defence – Your work as an<br />
employee which leads to:<br />
> You being prosecuted in a magistrates’<br />
or crown court;<br />
> civil action being taken against You<br />
for unlawful discrimination because of<br />
someone’s sex, race, disability, religious<br />
belief or political opinion; or<br />
> civil action being taken against You<br />
under section 13 of the Data Protection<br />
Act 1998.<br />
h) Motoring prosecution – You being<br />
prosecuted for an offence connected with<br />
using or driving a motor vehicle.<br />
2 Salary while you attend jury service<br />
We will pay Your salary or wages for each<br />
half or whole day You attend jury service<br />
if You cannot claim them back from the<br />
court or from Your employer.<br />
The cover provided by this section only<br />
applies if:<br />
> the Date of Incident is within the Period<br />
of <strong>Insurance</strong> and the incident happens<br />
within the Territorial limits;<br />
> any legal proceedings are carried out
y a court or other organisation We<br />
agree to within the Territorial limits; and<br />
> it is always more likely than not that<br />
You will be successful with Your claim.<br />
General exlusions which apply to <strong>Home</strong><br />
Emergency Legal Protection cover<br />
(See also General Exclusions on pages 8-10)<br />
You are not covered for any of the<br />
following.<br />
1 Any claim You report to Us more than 180<br />
days after the date You knew about, or<br />
should have known about, the incident<br />
leading to the claim.<br />
2 Costs You have paid or will have to pay<br />
before We have agreed to them.<br />
3 Your Costs in any action against another<br />
person who is insured by this policy.<br />
4 Any fines, penalties, compensation or<br />
damages which You are ordered to pay by<br />
a court or other organisation.<br />
5 Any claim between You and someone You<br />
live with or have lived with.<br />
6 Any application for a judicial review.<br />
7 Any dispute with Us about this section of<br />
the policy, other than as shown in general<br />
condition 5 on page 40.<br />
8 Any incident which begins before cover<br />
starts.<br />
9 Any Costs if You stop or settle a claim, or<br />
withdraw instructions from the Solicitor,<br />
without good reason. If this applies, You<br />
will then have to refund any Costs and<br />
expenses We have paid or agreed to pay<br />
during Your claim.<br />
General exclusion 6 on page 9 does not<br />
apply to Section 5.<br />
Specific exclusions which apply to <strong>Home</strong><br />
Emergency Legal Protection cover<br />
You are not covered for any of the<br />
following.<br />
Personal injury<br />
> Any illness or injury which develops<br />
gradually or is not caused by a specific<br />
or sudden accident.<br />
> Defending Your legal rights in claims<br />
against You.<br />
Contract dispute<br />
> Any claim arising out of advice,<br />
specification, design, construction,<br />
conversion or extension on any land or<br />
relating to any buildings.<br />
> Any claim relating to leases, tenancies<br />
or a licence to occupy.<br />
> Any claim arising out of a contract<br />
You have entered into in connection<br />
with a profession, business or trade,<br />
other than as provided for under<br />
‘Employment’ – see page 40.<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 41
Property protection<br />
> Any claim if the Date of Incident is less<br />
than 90 days after cover started.<br />
> Any building or land other than Your<br />
<strong>Home</strong>.<br />
> Defending Your legal rights in claims<br />
against You.<br />
Employment<br />
> Any claim if the Date of Incident is less<br />
than 90 days after cover started.<br />
> Defending Your legal rights in claims<br />
against You.<br />
> Any Costs relating to internal grievance<br />
procedures or disciplinary hearings<br />
within the company You work.<br />
> Any claim started in the county court or<br />
high court or the equivalent courts in<br />
Scotland.<br />
Motoring prosecution<br />
> Any claim involving You driving a motor<br />
vehicle for which You do not have valid<br />
motor insurance.<br />
> Parking offences<br />
General conditions which apply to<br />
<strong>Home</strong> Emergency Legal Protection<br />
cover<br />
(See also General conditions on pages 10-12)<br />
If You do not keep to the following conditions,<br />
We may cancel this cover, refuse any claim and<br />
withdraw from any current claim.<br />
1 You must do the following<br />
> Let Us have full details of Your claim and<br />
any other information that We or the<br />
Solicitor, ask for. (You must pay any costs<br />
involved in providing this information.)<br />
> Fully co-operate with the Solicitor and<br />
Us, and not do anything which might<br />
damage Your claim. If We ask, You<br />
must tell the Solicitor to give Us any<br />
documents, information or advice that<br />
they have or know about.<br />
> Tell Us about any developments<br />
affecting Your claim.<br />
> Tell Us if the Solicitor refuses to<br />
continue to act for You or if You<br />
withdraw Your instructions.<br />
> Tell Us if anyone makes a payment into<br />
court or offers to settle Your claim.<br />
> Try to get back any Costs that We have<br />
to make, and if You do get them back,<br />
pass them to Us.<br />
> Get Our agreement before You<br />
negotiate or settle a claim.<br />
42 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
2 Appointing a Solicitor<br />
> We have chosen a panel of legal firms<br />
to provide legal services. These firms<br />
may make payments to Us for being<br />
members of the panel. While You are<br />
responsible for any legal Costs they<br />
charge, Your policy will cover them<br />
as long as You keep to the policy<br />
conditions.<br />
> If We accept Your claim We, or a Solicitor<br />
We appoint, will try to settle the matter<br />
without having to go to court.<br />
> If it is necessary to take Your claim<br />
to court, or if there is a conflict of<br />
interests, You can choose the Solicitor<br />
to act for You. Otherwise, We will<br />
appoint a Solicitor for You.<br />
> We or You will appoint the Solicitor to<br />
act for You in line with Our standard<br />
terms of appointment. (You can ask Us<br />
for a copy.)<br />
> You must not enter into any agreement<br />
relating to charges with the Solicitor<br />
without getting Our permission first.<br />
> If a Solicitor refuses to continue acting<br />
for You with good reason, or if You<br />
dismiss them without good reason,<br />
Your cover will end immediately unless<br />
We agree to appoint another Solicitor.<br />
3 You must tell Your Solicitor to do the<br />
following<br />
> Get Our written permission before<br />
instructing a barrister or an expert<br />
witness.<br />
> Tell Us immediately if it is no longer<br />
more likely than not that You will be<br />
successful with Your claim.<br />
4 We can do the following<br />
> Contact the Solicitor at any time, and<br />
he or she must co-operate fully with Us<br />
at all times.<br />
> Decide to settle Your claim by paying<br />
the amount in dispute. If Your claim<br />
is not for damages, We may decide<br />
to settle Your claim by paying You the<br />
equivalent financial value of Your claim.<br />
> Refuse to pay further Costs if You do<br />
not accept a reasonable offer to settle<br />
Your claim.<br />
> Refuse to pay further Costs if it is no<br />
longer more likely than not that You will<br />
be successful with Your claim.<br />
5 Disputes<br />
You have the right to refer any<br />
disagreement between You and Us to<br />
arbitration (where an independent person,<br />
known as an arbitrator, makes a decision<br />
to settle the dispute). The arbitrator will<br />
be a solicitor, barrister or other suitably<br />
qualified person that You and We agree<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 43
on. If we cannot agree, the arbitrator will<br />
be chosen by the president of the Law<br />
Society (or other similar organisation) for<br />
that part of the Territorial Limits whose<br />
law governs this section of the policy.<br />
We and You must keep to the arbitrator’s<br />
decision. Whoever loses the arbitration<br />
will pay for all the costs and expenses of<br />
the arbitration.<br />
7 People involved in this contract<br />
This contract for <strong>Home</strong> Emergency<br />
Legal Protection is between You, the<br />
Policyholder, and Us. No-one else has<br />
any rights they can enforce under this<br />
contract, except those they have by law.<br />
General Conditions 1, 5, 6 and 10 on<br />
pages 10-12 do not apply to Section 5.<br />
You may also refer any disagreement<br />
between You and Us to the Financial<br />
Ombudsman Service, which is a service<br />
offered to You free of charge. (See<br />
pages 2-3 for details of our complaints<br />
procedure.)<br />
6 Cancellation<br />
We can cancel Your <strong>Home</strong> Emergency<br />
Legal Protection cover by sending You<br />
seven days’ notice in writing to Your last<br />
known address. You, the Policyholder,<br />
can cancel Your <strong>Home</strong> Emergency Legal<br />
Protection cover by telling Us.<br />
We will only refund the part of the<br />
premium You have not used when We<br />
cancel the cover. We will not refund any<br />
premium when You cancel the cover or if<br />
a claim has been made.<br />
If the cover is cancelled, it will not affect<br />
Your rights to any claim which happened<br />
while the cover was in force.<br />
44 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
Section 6 – <strong>Home</strong> Emergency Assistance<br />
Meaning Of Words<br />
Certain words in this Section have particular<br />
meanings, shown below. Each time We use<br />
one of these words, it will have the same<br />
meaning.<br />
Authorised Repairer A person, company<br />
or organisation appointed by Us to<br />
temporarily or permanently rectify, repair or<br />
prevent further damage by making safe the<br />
Emergency where possible.<br />
Beyond Economic Repair The point at<br />
which the cost of repairing the boiler/<br />
appliance exceeds the value of replacing<br />
the boiler/appliance. The decision will be<br />
based on Our scale of valuations that take<br />
into account the age and type of the boiler/<br />
appliance.<br />
Call Out The dispatch of an Authorised<br />
Repairer following a request for Emergency<br />
Assistance, even if the request is<br />
subsequently cancelled by You.<br />
Emergency An incident in the <strong>Home</strong><br />
occurring during the Period Of Cover,<br />
which if not dealt with quickly will:<br />
(a) make the <strong>Home</strong> unsafe or insecure for<br />
its occupants; or<br />
(b) cause damage to the <strong>Home</strong> and its<br />
contents; or<br />
(c) leave the <strong>Home</strong> with a total loss of its<br />
Main Source Of Heating, lighting or hot/<br />
cold water.<br />
Emergency Assistance Work undertaken<br />
by an Authorised Repairer to resolve<br />
the Emergency by completing a repair to<br />
temporarily or permanently rectify, repair<br />
or prevent further damage occurring by<br />
making safe the Emergency where possible.<br />
It does not include the restoration of any<br />
decoration, fixtures, fittings or landscaping<br />
(e.g. fitted kitchen units, floor coverings/tiles,<br />
flowerbeds) or the permanent re-instatement<br />
of pathways and driveways needing to be<br />
removed or replaced in order to deal with the<br />
Emergency.<br />
Geographical Limits The United Kingdom<br />
including the Isle of Wight but not Northern<br />
Ireland, the Channel Islands, the Scilly Isles<br />
and the Isle of Man.<br />
<strong>Home</strong> The private dwelling that You own<br />
and reside in as Your permanent residence,<br />
including integral garage(s) used for<br />
domestic purposes. This does not include<br />
detached garages and outbuildings.<br />
Main Source Of Heating In the case of<br />
gas central heating, this is the boiler from<br />
the appliance isolating cock together with<br />
the pump, motorised valves and cylinder<br />
thermostat, temperature and pressure<br />
controls, pipework, hot water cylinder, feed<br />
and expansion tanks and the main flueing.<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 45
In the case of electrical storage heating,<br />
this is the storage and wall mounted panel<br />
heaters that are permanently sourced by<br />
the mains electricity supply, including<br />
convection storage heaters, storage<br />
heaters incorporating fans and combination<br />
storage/panel heaters.<br />
Period Of Cover The period You are<br />
insured for that is shown on Your <strong>Prudential</strong><br />
home policy schedule.<br />
Permanent Repair Repairs and/or work<br />
required to resolve the damage caused to<br />
the <strong>Home</strong> by the Emergency.<br />
Temporary Repair Repairs and/or work<br />
that may resolve an Emergency but may<br />
need to be replaced by a Permanent Repair.<br />
Unoccupied Not lived in by You or any<br />
other person with Your permission.<br />
We/Us/Our U K <strong>Insurance</strong> Limited.<br />
You/Your/Yourself The policyholder and<br />
members of their family (including foster<br />
children) who normally live with them.<br />
What is included<br />
Domestic emergency<br />
1 If You suffer an Emergency at Your <strong>Home</strong><br />
You should tell Us on the Emergency<br />
helpline number – 0800 032 4164. We<br />
will then:<br />
(a) advise You how to protect<br />
Yourself and the <strong>Home</strong><br />
immediately when You call Us;<br />
(b) organise and pay up to £250<br />
including VAT, call out, labour, parts<br />
and materials to carry out Emergency<br />
Assistance at the <strong>Home</strong>. Major parts/<br />
appliances and parts/appliances<br />
that are Beyond Economic Repair<br />
are excluded. All labour charges<br />
in excess of the amount stated in<br />
this clause, together with the cost<br />
of replacement parts and/or other<br />
materials, other than what We have<br />
agreed to pay, are Your responsibility.<br />
Exclusions<br />
2 The following are excluded from Section<br />
6 - <strong>Home</strong> Emergency Assistance:<br />
(a) any leaking or dripping tap that requires<br />
re-washering or replacing, external<br />
overflows or replacement of cylinders,<br />
tanks, radiators and sanitary ware;<br />
(b) burst or leaking flexible hoses or<br />
leaking washing appliances which<br />
are fitted with a stop tap;<br />
(c) internal plumbing and drainage,<br />
other than domestic sanitary fittings,<br />
hot/cold water supply, storage and<br />
drainage systems for which You have<br />
the responsibility within the interior<br />
of Your <strong>Home</strong>;<br />
46 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
(d) external water supply pipes;<br />
(e) failure of boilers or heating systems<br />
that have not been inspected or<br />
serviced by a qualified person within<br />
the preceding twelve months of this<br />
cover;<br />
(f) boilers over 10 years old and/or with<br />
an output exceeding 60kw;<br />
(g) electrical wiring, other than the<br />
permanent electrical supply system<br />
in Your <strong>Home</strong> supplying electrical<br />
power to internal wall sockets,<br />
switches, bulb sockets and fuse<br />
boxes which are beyond the<br />
electricity company’s supply meter;<br />
(h) consumables that need replacing<br />
through regular use, including but<br />
not limited to light bulbs, batteries,<br />
filters, fuses etc;<br />
(i) internal locks, doors, glass, or<br />
the locks, doors and windows to<br />
detached garages and outbuildings;<br />
(j)<br />
any loss or damage caused by rot,<br />
fungus, woodworm, beetle, moths,<br />
insects or vermin;<br />
(k) breakdown or loss of or damage to<br />
domestic appliances or saniflow toilets<br />
and other mechanical equipment;<br />
(l) damage to boundary walls, hedges,<br />
fences or gates.<br />
3) We will not cover any of the following:<br />
(a) loss or damage arising from<br />
circumstances which You knew<br />
about prior to the start date of this<br />
policy;<br />
(b) loss or damage which happens prior<br />
to or within the first 14 days of the<br />
start date of this policy.<br />
(c) any item not forming part of the<br />
Main Source Of Heating;<br />
(d) the cost of replacement parts due<br />
to natural wear and tear or gradual<br />
deterioration;<br />
(e) loss or damage arising from the<br />
interruption or disconnection of the<br />
gas, water or electricity services to the<br />
<strong>Home</strong>;<br />
(f) costs of the restoration of any<br />
decoration, fixtures or fittings needing<br />
to be removed or replaced in the<br />
process of providing Emergency<br />
Assistance;<br />
(g) loss or damage however caused to<br />
personal items, like paintings, electrical<br />
goods, jewellery, clothing, etc;<br />
(h) loss or damage arising from<br />
disconnection or interruption of mains<br />
services by the deliberate act of the<br />
utility company concerned or any<br />
equipment or services which are the<br />
responsibility or property of the utility<br />
company;<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 47
(i)<br />
(j)<br />
any cost relating to the attempted repair<br />
by You or any person authorised by<br />
You;<br />
any defect, damage or failure caused by<br />
malicious or wilful action, negligence,<br />
misuse, third party interference or faulty<br />
workmanship, including any attempted<br />
repair or modification which does<br />
not comply with recognised industry<br />
standards;<br />
(k) any Emergency in a <strong>Home</strong> that has<br />
been Unoccupied for more than 30<br />
consecutive days;<br />
(l)<br />
the cost of repairing faults or damage<br />
caused by fire, lightning, explosion,<br />
earthquake, flood, storm, subsidence,<br />
heave or landslip, malicious damage,<br />
theft or attempted theft (except<br />
where in relation to locks, doors and<br />
windows), structural repairs, alteration,<br />
demolition or the use of defective<br />
materials;<br />
(m) any loss arising from movement<br />
caused by bedding down of new<br />
structures, demolition or structural<br />
repairs or alterations to the <strong>Home</strong>, faulty<br />
workmanship or the use of defective<br />
materials, or river or coastal erosion;<br />
<br />
Terrorism is defined as the use of<br />
biological, chemical or nuclear force,<br />
or contamination, by any person(s)<br />
or group(s) of persons, whether<br />
acting alone or in connection with<br />
any organisation(s) or government(s),<br />
whether or not committed for political,<br />
religious, ideological or similar<br />
purposes, including the intention to<br />
influence any government or to put<br />
members of the public in fear.<br />
(o) any loss or damage arising as a<br />
consequence of:<br />
i) war, invasion, acts of foreign<br />
enemies, hostilities (whether<br />
war is declared or not), civil war,<br />
rebellion, revolution, insurrection,<br />
coup, riot or civil disturbance;<br />
ii)<br />
ionising radiation or contamination<br />
by radioactivity from any nuclear<br />
fuel or from any nuclear waste<br />
from combustion of nuclear fuel,<br />
the radioactive toxic explosive or<br />
other hazardous properties of any<br />
explosive nuclear assembly or its<br />
nuclear component.<br />
(n) any expense, legal liability or any loss<br />
or damage to property directly or<br />
indirectly caused by terrorism.<br />
48 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
(p) any loss, injury, damage or legal liability<br />
arising directly or indirectly from,<br />
or consisting of the following: the<br />
failure or inability of any equipment to<br />
correctly recognise or interpret data<br />
representing any date, in such a way<br />
that it does not work properly at all;<br />
(q) any system, appliance, wiring or<br />
fixtures where replacement is only<br />
necessary to make it compliant with<br />
legislation, health and safety guidelines<br />
or British Standards;<br />
(r) adjustment of time and temperature<br />
controls and replacement of time<br />
controls.<br />
General Conditions applying to Section 6<br />
– <strong>Home</strong> Emergency Assistance<br />
1 All requests for Emergency Assistance<br />
must be made to the Helpline within<br />
24 hours of discovering the Emergency<br />
and not direct to an Authorised Repairer<br />
otherwise the cover will not apply.<br />
4 This policy does not cover normal day<br />
to day maintenance of Your <strong>Home</strong> for<br />
which You are responsible. Nor does it<br />
pay for replacing items that need to be<br />
replaced as a result of natural wear and<br />
tear or gradual deterioration.<br />
5 You must co-operate with Us in<br />
obtaining reimbursement of any costs<br />
We incur under the terms of this cover,<br />
which may have been caused by the<br />
action of a third party against whom You<br />
have a legal right of action.<br />
6 You must take all reasonable steps to<br />
prevent any loss, damage or breakdown<br />
and to maintain the <strong>Home</strong>, its systems<br />
and appliances in good repair.<br />
7 Spare or replacement parts may not<br />
be from the original manufacturer<br />
and will not necessarily be a like-forlike<br />
replacement. We cannot be held<br />
responsible for delay in supplying spare<br />
or replacement parts.<br />
2 You must quote Your policy number<br />
when requesting Emergency Assistance<br />
3 If any loss, damage or expense included<br />
within this cover is covered by any<br />
other insurance, maintenance contract,<br />
guarantee or warranty, We will not pay<br />
more than Our rateable proportion.<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 49
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> Privacy Notice<br />
Both <strong>Prudential</strong> and U K <strong>Insurance</strong> Limited<br />
are aware of the trust you place in us when<br />
you buy our products and our responsibility<br />
to protect your information.<br />
In this notice ‘we’ ‘us’ and ‘our’ refers to U K<br />
<strong>Insurance</strong> Limited unless otherwise stated and<br />
describes who we are, why we need to collect<br />
your information and how we will use it.<br />
We will tell you who we share your<br />
information with and how we use it to<br />
improve the service we provide to our<br />
customers.<br />
1 – Privacy<br />
Why we need your information<br />
We will use your information to give you<br />
quotations, and manage your insurance policy,<br />
including underwriting and claims handling.<br />
Your information comprises of all the details<br />
we hold about you and your transactions<br />
and includes information we obtain about<br />
you from third parties.<br />
We will only collect the information we<br />
need so that we can provide you with the<br />
service you expect from us.<br />
From time to time we may need to change<br />
the way we use your information. Where<br />
we believe you may not reasonably expect<br />
such a change we will write to you. When<br />
we do so, you will have 60 days to object to<br />
the change but if we do not hear from you<br />
within that time you consent to that change.<br />
Who we will share your information with<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> is underwritten<br />
by U K <strong>Insurance</strong> Limited (UKI). When you<br />
give us your information, it will be shared<br />
with <strong>Prudential</strong>. We will do that in order to<br />
provide you with the best possible products<br />
and service experience.<br />
During the course of our dealings with<br />
you we may need to disclose some of your<br />
information to other insurers, third party<br />
underwriters, reinsurers, credit reference<br />
and fraud prevention and law prevention<br />
agencies and other companies that provide<br />
service to us or you, to:<br />
> assess financial and insurance risks<br />
> recover debt<br />
> prevent and detect crime<br />
> develop our products, services, systems<br />
and relationships with you<br />
> understand our customers’ requirements<br />
> rating and pricing.<br />
We do not disclose your information to<br />
anyone outside the Group except where:<br />
> we have your permission<br />
> we are required or permitted to do so by<br />
law<br />
> we may transfer rights and obligations<br />
under this agreement.<br />
50 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong>
Where we transfer your information<br />
From time to time we may require services<br />
from suppliers that are based worldwide<br />
and your information will be shared<br />
with them for the purposes of providing<br />
that service. Where we engage these<br />
suppliers we make sure that they apply<br />
the same levels of protection, security<br />
and confidentiality we apply. However,<br />
such information may be accessed by law<br />
enforcement agencies and other authorities<br />
to prevent and detect crime and comply<br />
with legal obligations.<br />
Sensitive Information<br />
Some of the personal information we<br />
ask you for may be sensitive personal<br />
information, as defined by the Data<br />
Protection Act 1998 (such as information<br />
about health or criminal convictions). We<br />
will not use such sensitive personal data<br />
about you or others except for the specific<br />
purpose for which you provide it and to<br />
provide the services described in your<br />
policy documents.<br />
You will have been asked to agree to this<br />
when you first contacted us but please<br />
ensure that you only provide us with<br />
sensitive information about other people<br />
with their agreement.<br />
Dealing with other people<br />
It is our policy to deal with your spouse<br />
or partner who calls us on your behalf,<br />
provided they are named on the policy. If<br />
you would like someone else to deal with<br />
your policy on your behalf on a regular basis<br />
please let us know. In some exceptional<br />
cases we may also deal with other people<br />
who call on your behalf, with your consent.<br />
If at any time you would prefer us to deal<br />
only with you, please let us know.<br />
Credit Reference Agencies<br />
UKI carries out a consumer search when<br />
any application for insurance is submitted.<br />
This is done using public data to evaluate<br />
insurance risks and no financial information<br />
is reviewed as part of this process. There<br />
is no visible credit footprint and after 12<br />
months is automatically deleted.<br />
Keeping you informed<br />
From time to time we may contact you with<br />
special offers or suggest products which<br />
may be of interest to you. If you would<br />
like not to receive any of these updates<br />
you can ask us to stop at any time. You can<br />
do that by simply calling our customers<br />
services department or by writing to the<br />
Data Protection Officer at Churchill Court,<br />
Westmoreland Road, Bromley BR1 1DP.<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 51
Access to your information<br />
You have the right to see the information<br />
we hold about you. This is called Subject<br />
Access Request. If you would like a copy of<br />
your information, please write to:<br />
The Data Protection Officer, Churchill Court,<br />
Westmoreland Road, Bromley BR1 1DP quoting<br />
your reference. A fee may be payable.<br />
2 - Fraud prevention and detection<br />
Please take time to read the following as it<br />
contains important information relating to<br />
the details you have given or should give to<br />
us. You should show this notice to anyone<br />
whose data has been supplied to us in<br />
connection with your policy.<br />
To prevent and detect fraud we may at any<br />
time:<br />
Share information with other organisations<br />
and public bodies including the police<br />
although we only do so in compliance with<br />
the Data Protection Act 1998<br />
Check and/or file details with fraud<br />
prevention agencies and databases and if<br />
we are given false or inaccurate information<br />
and we identify fraud, we will record this.<br />
We and other organisations may also use<br />
and search these agencies and databases<br />
from the UK and other countries to:<br />
> help make decisions about the provision<br />
and administration of insurance,<br />
credit and related services for you and<br />
members of your household:<br />
52 <strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong><br />
> trace debtors or beneficiaries, recover<br />
debt, prevent fraud, and to manage your<br />
accounts or insurance policies; or<br />
> check your identity to prevent money<br />
laundering, unless you provide us with<br />
other satisfactory proof of identity<br />
Law enforcement agencies may access and<br />
use this information.<br />
We and other organisations may also access<br />
and use this information to prevent fraud<br />
and money laundering, for example when:<br />
> Checking applications for, and managing<br />
credit and other facilities and recovering<br />
debt<br />
> Checking insurance proposals and<br />
claims;<br />
> Checking details of job applicants and<br />
employees.<br />
We, and other organisations that may<br />
access and use information recorded by<br />
fraud prevention agencies, may do so from<br />
other countries.<br />
We can provide the names and addresses<br />
of the agencies we use if you would like<br />
a copy of your information held by them.<br />
Please contact us at, UKI, Churchill Court,<br />
Westmoreland Road, Bromley, BR1 1DP<br />
quoting your reference. The agencies may<br />
charge a fee.
Your Fixed Sum Credit Agreement<br />
Your right to cancel your credit<br />
agreement<br />
If you have chosen to pay by instalments,<br />
you may cancel your credit agreement<br />
within 14 days of receiving it. If you would<br />
like to cancel your credit agreement please<br />
call us on 0845 605 9275 or write to us at<br />
the address shown on your documents. If<br />
you cancel your Agreement you will need<br />
to arrange for payment of any outstanding<br />
policy premium.<br />
You have the right to end the credit<br />
agreement at any time. If you wish to do so<br />
you should let us know. If you do this any<br />
outstanding balance of the policy premium<br />
must be settled in order for your insurance<br />
cover to continue under the policy.<br />
Other important information about<br />
your credit agreement<br />
If you decide to cancel your policy, your<br />
credit agreement will automatically be<br />
terminated; any refunds will be paid pro<br />
rata unless there is a claim, when the full<br />
premium will be due.<br />
We may terminate your credit agreement<br />
if you fail to pay any instalment by the due<br />
date. For full details please see the terms of<br />
your Fixed Sum Credit Agreement.<br />
It is possible that other taxes or costs<br />
not imposed by us may apply to this<br />
Agreement.<br />
If you have a complaint about your credit<br />
agreement you should refer to the ‘how to<br />
complain’ section of this policy booklet.<br />
English law applies to your Agreement<br />
and courts in England or Wales may deal<br />
with disputes in connection with this<br />
Agreement unless you live in Scotland<br />
where Scottish law will apply and Scottish<br />
courts may deal with disputes in connection<br />
with this Agreement. We have supplied<br />
this Agreement and other information<br />
to you in English and we will continue to<br />
communicate with you in English.<br />
<strong>Prudential</strong> <strong>Home</strong> <strong>Insurance</strong> 53
Contact Us<br />
Customer service 0845 605 9275<br />
Account queries 0845 605 9266<br />
Claims 0845 605 9267<br />
Legal advice 0845 605 9268<br />
<strong>Home</strong> Emergency Assistance 0800 032 4164<br />
Glass replacement 0800 032 4165<br />
www.pru.co.uk<br />
We will also be happy to send you any of our brochures, letters or<br />
statements in Braille, large print or audio, upon request.<br />
<strong>Prudential</strong> <strong>Home</strong> insurance policies are underwritten by U K <strong>Insurance</strong> Limited, The Wharf, Neville Street, Leeds LS1 4AZ.<br />
U K <strong>Insurance</strong> Limited is authorised and regulated by the Financial Services Authority. Registered No. 1179980. Calls may be recorded.<br />
PRU HPB3 AD 0912