5CounsellingThe counselling helpline will provide you with a confidentialcounselling service over <strong>the</strong> telephone. This service doesnot include onward referral to any voluntary orprofessional services.Financial AdviceThe financial advice helpline will provide you confidential,practical financial advice on any private legal matteraccording to UK law.Keeping your <strong>policy</strong> up to dateShould your circumstances change, whe<strong>the</strong>r you would like toadd or amend <strong>the</strong> properties covered by your <strong>policy</strong> or you’removing house, <strong>NatWest</strong> Private Home Insurance has beendesigned to be flexible to your changing needs. To keep yourcover up to date, call our dedicated UK customer service teamon 0800 533 5204.<strong>NatWest</strong> Private Insurance, here for yourinsurance needsIn addition to home insurance, our exclusive range of PrivateInsurance products also includes Car, Travel and PetInsurance, as well as breakdown cover, each offering <strong>the</strong> sameexpert cover and a more personal level of service.For your convenience, we offer <strong>the</strong> flexibility to meet yourinsurance needs bringing your cover toge<strong>the</strong>r. This means onepayment date and one renewal date.For more information: Call 0800 533 5202Or visit natwest.com/privateinsurance
6Terms and conditionsof your <strong>policy</strong><strong>NatWest</strong> Private Insurance is arranged by The Royal Bank ofScotland plc and underwritten by U K Insurance Limited.This section gives full details of your cover.This <strong>policy</strong> is evidence of <strong>the</strong> contract between us,U K Insurance Limited and you, our <strong>policy</strong>holder.These <strong>policy</strong> conditions are part of your insurance contract;along with your schedule. Please read your schedule and <strong>the</strong>se<strong>policy</strong> conditions to make sure you know exactly what yourinsurance covers. Check all <strong>the</strong> <strong>policy</strong> details and your proposalconfirmation, which sets out <strong>the</strong> information you have given us,carefully. If you think <strong>the</strong>re is a mistake or you need to makechanges, you should notify us immediately. Failure to providecorrect information or inform us of any changes could adverselyaffect your <strong>policy</strong>, including invalidating your <strong>policy</strong> or claimsbeing rejected or not fully paid.Under European law, you and we may choose which law willapply to this contract. English law will apply unless bothparties agree o<strong>the</strong>rwise.How to make a claimIf you need to make a claim on your home insurance call uson 0800 533 5205.How to make a claim for legal expenses1. Phone our legal advice helpline on 0800 533 5258.Please have your home insurance <strong>policy</strong> number availablewhen you call.2. You must tell <strong>the</strong> legal advice line of any incident whichmay lead to a claim under <strong>the</strong> <strong>policy</strong>. You must do this assoon as possible, and always within 180 days of <strong>the</strong>date that you knew about or should have known about<strong>the</strong> incident.3. If you have a valid claim, we will send you a claim form tofill in and return to us.Legal helpline – 0800 533 5258.You can ring <strong>the</strong> helpline to discuss any private legal problem.This service is here to help, so please feel free to use it.While you have a current <strong>policy</strong> with us, <strong>the</strong> helpline isavailable 24 hours a day, seven days a week. In particular, ifsomething you are proposing to do may result in a legal claim,you must talk to us first.For extra security, we may record all phone calls and keep <strong>the</strong>recording secure.Meaning of words<strong>NatWest</strong> Private Home Insurance <strong>policy</strong> definitionsCertain words in <strong>the</strong> <strong>policy</strong> and schedule of insurance haveparticular meanings wherever <strong>the</strong>y appear. These meaningsapply to <strong>the</strong> whole <strong>policy</strong> unless we say o<strong>the</strong>rwise. Throughout<strong>the</strong> <strong>policy</strong>, defined terms will be bold when used. The wordsand <strong>the</strong>ir meanings are given below. Words that use <strong>the</strong>masculine gender include <strong>the</strong> feminine and vice versa. Wordsusing <strong>the</strong> singular include <strong>the</strong> plural and vice versa.In this <strong>policy</strong>, <strong>the</strong> words ‘you’, ‘your’, ‘yours’ and ‘yourself’refer to <strong>the</strong> person or persons named on <strong>the</strong> schedule ofinsurance, his or her spouse or domestic partner and anyfamily member.The words ‘we’,’us’,’our’ and ‘ours’ means U K InsuranceLimited unless o<strong>the</strong>rwise stated.Aircraft – any device used or designated for flight, exceptmodel or hobby craft not used or designed to carry peopleor cargo.Bodily injury – physical bodily harm, including any resultantsickness or disease from physical bodily harm.Buildings – your home including its swimming pools,permanently fitted hot tubs, ornamental man-made ponds,fountains, tennis courts, terraces, patios, steps, service tanks,drains, septic tanks, underground service pipes and cables,sewers and drains, domestic fixed fuel tanks, driveways,footpaths, garden walls, hedges, gates, fences, lifts, fixturesand fittings, decorative finishes, radio and television aerials,satellite dishes, solar panels, wind turbines used for domesticpurposes, external lighting and security systems andequipment situated within <strong>the</strong> boundaries of <strong>the</strong> home and forwhich you are legally responsible.Business – a part-time or full-time trade, occupation orprofession, including farming or stud activities o<strong>the</strong>r thanincidental business.Business property – items of furniture, furnishings,equipment, supplies and stock used in connection with abusiness conducted from your home and owned by you.Collectibles – private collections of rare, unique or novel itemsof personal interest including memorabilia.Contaminant – an impurity resulting from <strong>the</strong> mixtureof or contact of a substance with a foreign substance.Contents – household goods and personal property, includingsatellite dishes, aerials that are owned by you, or are yourresponsibility or in <strong>the</strong> possession of you. If you are a tenant,contents includes additions, alterations, installations or fixturesthat you have paid for, or are responsible for, at your home.
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