This document summarizes the key details of a holiday home insurance policy for Raza Properties. The policy number is NHH00002236/IUK and covers the property located at 1/13 Parliament Square in Edinburgh, UK from October 31, 2023 to October 30, 2024. Coverage includes £11,000 for contents and liability coverage up to £5,000,000. The total annual premium is £182 including taxes and fees. The policy contains standard and increased excess amounts and requires certain protections to be maintained.
This document summarizes the key details of a holiday home insurance policy for Raza Properties. The policy number is NHH00002236/IUK and covers the property located at 1/13 Parliament Square in Edinburgh, UK from October 31, 2023 to October 30, 2024. Coverage includes £11,000 for contents and liability coverage up to £5,000,000. The total annual premium is £182 including taxes and fees. The policy contains standard and increased excess amounts and requires certain protections to be maintained.
This document summarizes the key details of a holiday home insurance policy for Raza Properties. The policy number is NHH00002236/IUK and covers the property located at 1/13 Parliament Square in Edinburgh, UK from October 31, 2023 to October 30, 2024. Coverage includes £11,000 for contents and liability coverage up to £5,000,000. The total annual premium is £182 including taxes and fees. The policy contains standard and increased excess amounts and requires certain protections to be maintained.
This document summarizes the key details of a holiday home insurance policy for Raza Properties. The policy number is NHH00002236/IUK and covers the property located at 1/13 Parliament Square in Edinburgh, UK from October 31, 2023 to October 30, 2024. Coverage includes £11,000 for contents and liability coverage up to £5,000,000. The total annual premium is £182 including taxes and fees. The policy contains standard and increased excess amounts and requires certain protections to be maintained.
To contact us to discuss your Policy, please call 0345 111 0680
The details set out in this policy Schedule are based upon the information You have given Us (as highlighted in Your Statement of Fact). Please read this document carefully to ensure that the level of cover is sufficient to meet Your needs and that You understand the terms and conditions set out in the Endorsement section that are applicable to Your policy. Please also take care to read all the information regarding Excesses, exclusions and policy limitations contained within Your policy documentation and within the Policy Booklet. It is important that the information You have given Us is to the best of Your knowledge and belief, true and complete.
It is important that You are not under-insured. Please make sure You have insured Your Buildings for the full rebuilding cost, and Your Contents for their full replacement value as new items.
Any details provided that are untrue, inaccurate or incomplete may result in Your policy being cancelled, part or all of a claim not being paid or Your policy terms and conditions being varied.
Your Details Insurer details
Name of Policyholder(s): Holiday Home Insurance Raza Properties
Insurer: Pen Underwriting, underwritten by Aviva Insurance
Limited.* UMR: B1735ND0141623
Address to be Insured: Claim Number: Complaints number:
1/13 Parliament Square 0345 111 0680 0345 111 0680 Edinburgh EH1 1RF Period of Insurance: United Kingdom 31/10/2023 to 30/10/2024 Country of Risk United Kingdom
*Pen Underwriting Limited is a company in the Arthur J. Gallagher group, and acts on behalf of a number of insurers. We always aim to treat you fairly and we manage all potential conflicts in accordance with our Terms of Business. Please see our Terms of Business for more information on how we manage potential conflicts of interest.
Your Cover SECTION - AS SHOWN IN YOUR POLICY BOOKLET Limit
Section Two Contents £11,000
Personal Liability (as occupier of the home) £5,000,000 Liability – Accidents to Domestic Employees £5,000,000
Premium Breakdown Your annual premium (excluding any optional extras you have selected ) £100.00 Insurance Premium Tax £12.00 Total annual premium £112.00 Administration Fee £70.00
Intasure® is a trading name of Arthur J. Gallagher Insurance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. www.intasure.com
Schedule Pg. 1 Holiday Home Policy Schedule
Premium Breakdown Total annual premium (including taxes, optional extras where selected and £182.00 administration fee)
Excesses
An Excess is the amount You must pay as the first part of each and every claim.
This section must be read in conjunction with your policy wording, and the additional terms and conditions shown within the endorsement section of this document
Your selected voluntary excess must be added to the excesses below and any excess stated in endorsements, for example in the event of a claim for Escape of Water, you would pay your voluntary selected excess on top of the Escape of Water excess.
All Sections Standard policy excess £250 Escape of Water excess £500 Subsidence, heave and landslip excess £1,000 Your selected voluntary excess £250
Endorsements
Please review these carefully as they may require You to take specific action. If You fail to comply with these, Your policy may be cancelled or The Insurer may refuse to deal with any claim. If You are unsure of any content, please contact Us.
P01 - Protections Maintenance Clause
It is a condition of this insurance that all protections provided for the safety and security of the premises:- a) are maintained in good working order throughout the period of insurance b) are in full and effective operation with the keys removed (except window lock keys in occupied bedrooms at night) whenever there is no one present at the premises or when you have retired to bed for the night c) are not withdrawn or varied without our consent
If you fail to comply with any of the above conditions, this insurance will become invalid and any claim will be void and not paid but only in respect of loss or damage resulting from unauthorised entry to the premises.
M08 - Flats Clause
The sum insured under Section One - Buildings represents the value of that portion of the buildings owned by you (including external walls, roof and foundations and such common parts of the buildings for which you are legally responsible). In the event of a loss resulting from an insured peril to any part of the premises not occupied by you but for which you are legally responsible, we will only pay such portion of that loss as the sum insured bears to the reinstatement value of the buildings.
P08 - 30 Day Installation Warranty
It is a condition of this insurance that you install the protections described within the protections clauses noted in the schedule within 30 days of the start of the period of insurance.
Intasure® is a trading name of Arthur J. Gallagher Insurance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. www.intasure.com
Schedule Pg. 2 Holiday Home Policy Schedule
P08 - 30 Day Installation Warranty
If you fail to install the required protections within 30 days of the start of the period of insurance this insurance may become invalid.
P02 - Minimum Protections Warranty
This insurance does not cover loss or damage resulting from theft or attempted theft from the private dwelling of the home unless the following protections are installed:-
External Doors - 5 lever mortice deadlocks or locks conforming to BS 3621 on all final exit doors
Windows - key operated security devices on all ground floor and accessible windows
Patio Windows - existing locks plus key operated security devices at the top and bottom or key operated patio door locks mounted internally on the centre rail for sliding patio doors.
E10 - Terrorism Exclusion Clause
We will not pay for loss or damage occasioned by or happening through or in consequence directly or indirectly of a) Terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss And b) in Northern Ireland civil commotion
This Policy also excludes damage or loss resulting from damage directly or indirectly caused by resulting from or in connection with any action aimed in controlling preventing suppressing or in any way relating to an act of Terrorism.
In Great Britain and Northern Ireland Terrorism means acts of persons acting on behalf of or in connection with any organisation which carries out activities directed towards the overthrowing or influencing by force or violence of Her Majesty’s government in the United Kingdom or any other government de jure or de facto.
In so far that the insurance by this Policy is extended to include any situation elsewhere than in Great Britain and Northern Ireland Terrorism means:
Any act including but not limited to the use of force or violence or the threat of any person or group of persons whether acting alone or on behalf of or in connection with any organisation or government committed for political religious ideological or similar purposes including the intention to: 1) influence any government or any international governmental organisation or 2) put the public or any section of the public in fear
In any action suit or other proceedings where the Company alleges that by reason of this exclusion any Damage or loss resulting from Damage is not covered by this Policy the burden of proving that such Damage or loss is covered shall be upon the Insured.
Intasure® is a trading name of Arthur J. Gallagher Insurance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. www.intasure.com
Schedule Pg. 3 Holiday Home Policy Schedule
Your Demands and Needs
The product You have selected meets the demands and needs of those of a householder/holiday home owner who requires protection against loss or damage to their property and/or contents contained within from a wide range of insurable perils. These include (but are not restricted to) fire, storm, theft, explosion, collision and legal liability.
You may have also selected optional ancillary cover to access additional assistance which compliments Your main home cover, or suits Your specific needs.
On this occasion, We have not provided You with a recommendation, guidance or advice on whether the product(s) You have selected is the most suitable for Your needs; It is for You to decide whether the product(s) meets your needs We will have asked you some questions to narrow down the selection of products available, including any applicable extensions to the policy to ensure that You receive a competitive offer Please ensure You read Your documentation carefully to confirm that the cover meets your requirements, paying particular attention to exclusions, warranties, conditions, excesses and limits
If you require any changes to be made or information corrected, please contact Us as soon as possible as failure to do so could mean that Your insurance is voided, or may lead to The insurer not paying all or part of Your claim.
Intasure® is a trading name of Arthur J. Gallagher Insurance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. www.intasure.com
