View the policy - NatWest

2521. Unfurnished homesWe do not cover loss or damage caused by theft , malicious damage,vandalism or the escape of water from fixed tanks, apparatus orpipes nor damage caused to them by freezing or forcible and violentbursting if your home is unfurnished, unless agreed by us in writing.We do not cover loss or damage caused by theft, attempted theft,malicious damage of vandalism when your home is unfurnishedunless agreed by us in writing.22. Unoccupied homesWe do not cover loss or damage caused by the escape of water fromfixed tanks, apparatus or pipes nor damage caused to them byfreezing or forcible and violent bursting if your home is unoccupied,undergoing renovation or being constructed unless the heating ismaintained at a minimum of 10 degrees centigrade in the home orthe water is shut off and drained from the system or appliance.23. Unsuitable transportation and packingWe do not cover any loss or damage to any item during transit,which is not suitably packed and secured relative to its value and themethod by which it is being transported.General conditionsThe following conditions apply to the whole of your policy and all ofthe covers provided by it. You and any other person entitled tobenefit under this policy must keep to its terms, conditions andendorsements. If you do not keep to these conditions, we maycancel this policy, refuse or withdraw from any claim, claim backfrom you costs paid by us during your claim or do all of the above.1. Abandoning propertyYou cannot abandon property to us or a third party without our priorwritten consent.2. Adequacy of your sums insuredYou must keep the sums insured at a level that represents the fullreconstruction cost of your buildings and any outbuildings unlessunlimited buildings cover applies on your schedule of insurance.You must keep the sums insured at a level that represents thereplacement cost as new for your contents and the current marketvalue of your valuables.To ensure your sums insured reflect these amounts and to therebyreduce the possibility of being underinsured, you should undertakeregular reviews and request an increase to your sum(s) insured if youfeel this is necessary. Any additions, alterations or renovations toyour home should be reported to us as soon as possible.Failure to provide correct information or inform us of any relevantchanges could adversely affect your policy, including invalidatingyour policy or claims being rejected or not fully paid.3. ArbitrationIf we accept your claim, but you disagree over the amountyou will be paid, you and we may refer the dispute to anindependent arbitrator who will be appointed in accordance withcurrent law in order to reach a mutual agreement. When this occurs,the arbitrator must decide on an award before you can bringproceedings against us.4. AssignmentNo one covered under this policy may assign or turn over any right ofinterest in regard to the policy without our written consent.5. Automatic renewalWe may automatically renew your policy on the renewal date.If we plan to automatically renew, we will let you know weare planning to do this before your cover ends together with sendingyou details of the renewal premium and any policy terms. If you donot want to renew this policy, you should let us know before therenewal date.6. Bankruptcy or deathThe bankruptcy or insolvency of you shall not relieve us of any of ourobligations. Further, if you or a family member dies or becomesbankrupt or insolvent during the policy period, this policy, unlesscancelled, will cover you or the family member’s legalrepresentative for the remainder of the policy period.7. Building worksYou must provide us with full details of any building work or heatprocesses, including the restoration, repair, redecoration,maintenance or other similar work where the value exceeds £25,000or before the signing of any contract, which in any way, removes orlimits your legal rights against a contractor or building firm.If you do not notify us and provide us with full details at least 21days before the work is due to commence, any loss directly orindirectly caused by or relating to the work will be excluded.