Prudential Home Insurance

More documents

Recommendations

Info

D - Inflation protection We will increase the Sum Insured but not the limits each month in line with increases in the Consumer Durables Section of the Retail Price Index or another index of Our choice. Your annual premium will be based on the increased Sum Insured and limits. The Sum Insured will not change if the index value goes down. E - Settling claims under Section 2 We will at Our option, either replace the lost or damaged item or pay for the cost of repair or replacement as new. We will not deduct an amount for wear and tear from the cost of replacement of Your Contents except for clothing, and Sports Equipment. If at any time of the loss or damage, the amount of insurance (shown in Your Schedule) is less than the full cost of replacing all Your Contents as new (except for clothing, and Sports Equipment for which wear and tear should be taken off) We will reduce the amount payable for any claim by the proportion that the maximum amount payable bears to the full cost of replacing Your Contents. We will then apply the limits shown within the policy wording. If You claim for an item specified in Your Schedule, You will need to provide proof of the item’s value. We recommend that You keep copies of valuations, receipts, photographs and instruction booklets to help You do this. The Sum Insured will not be reduced by claims payment unless the claim relates to the total loss of any specified item, or We the full Sum Insured. Prudential Home Insurance 29
Amount payable The maximum amount payable for any one incident: Contents > The maximum amount payable for contents shown in Your Schedule. Valuables > 10% of the Contents Sum Insured for any one Valuable unless specified on the Schedule. What You are insured for > The amount shown on the Schedule as the ‘Valuables Limit’ for total loss of unspecified Valuables > The amount shown in items 3 and 7 of this section. Money > £300 Office Equipment > £6,000. What You are not insured for F - 1 Your liabilty to the owner of the buildings We will pay for the damage to the Buildings which, as tenant You are legally responsible for. We will pay any amount up to 10% of the Contents Sum Insured shown in Your Schedule. Anything under the heading "What You are not insured for". Damage as a result of the following while Your Home is left Unoccupied for more than 30 consecutive days: > Accidental breakage of fixed glass (including ceramic hobs and double glazing fixed units) fixed sanitary fixtures > Theft or attempted theft. Damage by frost as a result of storm or flood (or both). 30 Prudential Home Insurance
Page 1 and 2: Prudential Home Insurance Your Poli
Page 3 and 4: Welcome to Prudential This is Your
Page 5 and 6: General information Prudential Cust
Page 7 and 8: Home The private dwelling shown as
Page 9 and 10: promptly and the cost (except for t
Page 11 and 12: a) The failure of any computer or o
Page 13 and 14: 10 Administration Fees a) We may ca
Page 15 and 16: What You are insured for What You a
Page 19 and 20: D - Settling a claim under Section
Page 29: What You are insured for What You a
Page 35 and 36: Section 3 - Personal Possessions A
Page 37 and 38: B - Settling claims under Section 3
Page 41 and 42: ‘contract dispute’, the Territo
Page 43 and 44: Property protection > Any claim if
Page 45 and 46: on. If we cannot agree, the arbitra
Page 47 and 48: In the case of electrical storage h
Page 49 and 50: (i) (j) any cost relating to the at
Page 51 and 52: Prudential Home Insurance Privacy N
Page 53 and 54: Access to your information You have
Page 55: Contact Us Customer service 0845 60

Prudential Home Insurance

Create successful ePaper yourself

Delete template?

Save as template?