Prudential Home Insurance

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(d) external water supply pipes; (e) failure of boilers or heating systems that have not been inspected or serviced by a qualified person within the preceding twelve months of this cover; (f) boilers over 10 years old and/or with an output exceeding 60kw; (g) electrical wiring, other than the permanent electrical supply system in Your Home supplying electrical power to internal wall sockets, switches, bulb sockets and fuse boxes which are beyond the electricity company’s supply meter; (h) consumables that need replacing through regular use, including but not limited to light bulbs, batteries, filters, fuses etc; (i) internal locks, doors, glass, or the locks, doors and windows to detached garages and outbuildings; (j) any loss or damage caused by rot, fungus, woodworm, beetle, moths, insects or vermin; (k) breakdown or loss of or damage to domestic appliances or saniflow toilets and other mechanical equipment; (l) damage to boundary walls, hedges, fences or gates. 3) We will not cover any of the following: (a) loss or damage arising from circumstances which You knew about prior to the start date of this policy; (b) loss or damage which happens prior to or within the first 14 days of the start date of this policy. (c) any item not forming part of the Main Source Of Heating; (d) the cost of replacement parts due to natural wear and tear or gradual deterioration; (e) loss or damage arising from the interruption or disconnection of the gas, water or electricity services to the Home; (f) costs of the restoration of any decoration, fixtures or fittings needing to be removed or replaced in the process of providing Emergency Assistance; (g) loss or damage however caused to personal items, like paintings, electrical goods, jewellery, clothing, etc; (h) loss or damage arising from disconnection or interruption of mains services by the deliberate act of the utility company concerned or any equipment or services which are the responsibility or property of the utility company; Prudential Home Insurance 47
(i) (j) any cost relating to the attempted repair by You or any person authorised by You; any defect, damage or failure caused by malicious or wilful action, negligence, misuse, third party interference or faulty workmanship, including any attempted repair or modification which does not comply with recognised industry standards; (k) any Emergency in a Home that has been Unoccupied for more than 30 consecutive days; (l) the cost of repairing faults or damage caused by fire, lightning, explosion, earthquake, flood, storm, subsidence, heave or landslip, malicious damage, theft or attempted theft (except where in relation to locks, doors and windows), structural repairs, alteration, demolition or the use of defective materials; (m) any loss arising from movement caused by bedding down of new structures, demolition or structural repairs or alterations to the Home, faulty workmanship or the use of defective materials, or river or coastal erosion; Terrorism is defined as the use of biological, chemical or nuclear force, or contamination, by any person(s) or group(s) of persons, whether acting alone or in connection with any organisation(s) or government(s), whether or not committed for political, religious, ideological or similar purposes, including the intention to influence any government or to put members of the public in fear. (o) any loss or damage arising as a consequence of: i) war, invasion, acts of foreign enemies, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, coup, riot or civil disturbance; ii) ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or its nuclear component. (n) any expense, legal liability or any loss or damage to property directly or indirectly caused by terrorism. 48 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 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: In the case of electrical storage h
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

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