Prudential Home Insurance

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Section 4 - Pedal Cycles A guide to Section 4 Your Schedule will show which sections You have chosen, and what Excess will normally apply. A - Loss or damage What You are insured for Accidental loss or damage to Pedal Cycles and their accessories subject to the limits as specified in the Schedule belong to You anywhere in the world. What You are not insured for > Anything in the General Exclusions shown in the General Information Section of Your policy > Any causes excluded in the Schedule > Any causes excluded in the Endorsements > The Excess for this section as shown in Your Schedule > Loss of or Damage to any Pedal Cycles by theft or attempted theft, while left unattended away from the Buildings, unless secured by a padlock and chain or similar anti-theft device > Loss or damage to tyres or accessories unless the Pedal Cycle is lost or damaged at the same time > While the Pedal Cycle is being used for racing, pacemaking, competition, demonstration, exhibition or trials Prudential Home Insurance 37
What You are insured for What You are not insured for > Uninsurable Risks > Pedal Cycles more specifically insured by any other policy. B - Settling claims under Section 4 How We settle a claim We will, at Our option, replace the lost or damaged item or pay for the cost of repair or current replacement value. We will not make a deduction for wear and tear from the amount of the claim payment. The Sum Insured will not be reduced by a claims payment unless the claim relates to the total loss of any specified item, or We pay the full Sum Insured. Amount payable The maximum amount payable for any one cycle and its accessories, unless it says otherwise in Endorsements or the ‘Pedal Cycles’ section of the Schedule will be the limit shown in the Schedule . 38 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 31 and 32: Amount payable The maximum amount p
Page 35 and 36: Section 3 - Personal Possessions A
Page 37: B - Settling claims under Section 3
Page 41 and 42: ‘contract dispute’, the Territo
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