View the policy - NatWest

27under the Leisure and Lifestyle section and the Sports Club andPrivate Members Club Membership Fees benefit, you mustsubmit written advice from your doctor confirming the periodyou were disabled and that you were totally unable to play thesport to which the membership fees relate to. You must providewritten evidence that your membership fees have been paid;assist and co-operate with us in the conduct of the defence byhelping us make settlement, to attend hearings and trials andto enforce any right of contribution or indemnity against anyperson or organisation who may be liable;We reserve the right to examine under oath as often as we require,you, any family member or any person connected with theoccurrence;Where applicable and relevant, you or a family member must agreeto be examined by a physician we choose as often as we require. Wemay also choose, where lawful, to have an autopsy carried out by aphysician. Any examinations or autopsies will be at our own expense.14. Enforcing your rightsYou or an insured person claiming under this policy must not admitto any claim, any claim promise, any payment or refuse any claimwithout our written consent. If we want to, we can take over andconduct in your name, or in the name of the person claiming underthe policy, the defence or settlement of any claim or takeproceedings for our own benefit to recover any payment we havemade under this policy. We will have full discretion in the conduct ofany proceedings or the settlement of any claim. The person who isseeking payment under this policy shall give us all the informationand assistance necessary for them to achieve a settlement.If you or an insured person has the rights to recover all or partof any payment made under this policy, those rights are transferredto us. You or an family member must not do anything after the lossto impair such rights of recovery. At our request, you or an familymember will bring an action or transfer those rights to us and helpus enforce them.15. FraudYou must be honest and truthful in your dealings with us at all times.If you, any person insured under this policy or anyone acting on yourbehalf attempts to deceive us or knowingly makes a false claim, wehave the right to cancel your policy, refuse claims and retain anypremium paid. We may recover from you any costs we haveincurred, including the costs of investigating the claim.We will not pay a claim which is in any way fraudulent, false orexaggerated. We will also not deal with any claims following discoveryof the dishonest behaviour regardless of when the claims occurred.In addition, we have the right to cancel any other products you holdwith us and share details of this behaviour with other organisationsto prevent further fraud. We may also involve the relevant authoritieswho are empowered to bring criminal proceedings.16. Insurable interestWe will not be liable for any loss or damage to property in whichyou do not have an insurable interest at the time of the loss. If morethan one person has an insurable interest in the property, we willonly pay up to the amount that represents your insurable interest inthat property.17. LiberalisationIf we extend the cover provided by this policy without an additionalpremium charge the changes will automatically apply to your policy.18. Mortgagee’s clauseThe interest of any mortgagee shall not be prejudiced by any act orneglect by you or any legal occupier of the home that increases therisk of an occurrence without the knowledge or authority of themortgagee, providing that the mortgagee as soon as reasonablypossible after becoming aware of the increased risk shall give noticeto us and pay an additional premium if required.19. Non contribution clauseWe will not pay if you have a loss or damage which is covered underany other insurance policies unless the cover provided by thosepolicies is exhausted.20. Policy periodAll covers in this policy only apply to occurrences that take placewhile this policy is in force in accordance with the period ofinsurance stated upon your schedule of insurance except underthe Defective Premises Liability benefit on page 15.21. Payment of premiumIf you are paying your premium in instalments and your bank hasadvised us that you have cancelled your direct debit, we will contactyou for payment. If we do not receive payment we may cancelyour policy.Cancelling your direct debit does not mean that you have cancelledthe policy.If you have made a claim in the current period of insurance then thebalance of the year’s premium shall become payable.22. Preventing lossYou must take all reasonable steps to:a) prevent any loss, damage, illness, injury or accident; andb) maintain any home and contents listed on your scheduleof insurance in good condition and repair.23. Right to renewIf you pay the premium to us via our monthly instalment scheme,we will have the right to renew the policy each year and continueto collect premiums using this method. We will write to you beforethe expiry of your policy with full details of the renewal premiumand policy conditions which may vary from the previous year. Ifyou do not wish to renew this policy, all you need to do is call uson 0800 533 5204 before the next renewal date and we will notrenew it. Our right to renew this policy does not affect yourcancellation rights.24. Rights of third partiesThis insurance is not intended to give any person any right to enforceany term of this insurance which that person would not have had butfor the Contract (Rights of Third Parties) Act 1999.