Key Sections of Cover - General Definitions

Below is a summary list of the definitions, for the full list please see the Policy Wording

Accidental Damage

Visible damage caused by an event which was unexpected, not intended or designed.

Act of Terrorism

Any act(s) of any person(s) or organisation(s) involving: the causing, occasioning or threatening of harm of whatever nature and by whatever means; or putting the public or any section of the public in fear, in circumstances in which it is reasonable to conclude that the purpose(s) of the person(s) or organisation(s) concerned are wholly or partly of a political, religious, ideological or similar nature.

Administrator

3XD Limited.

3XD Limited (Registered number: 5729788) is registered in England at 2nd Floor, 50 Fenchurch Street, London EC3M 3JY.

3XD Limited is authorised and regulated by the Financial Conduct Authority. You can check these details at www.fca.org.uk or by calling them on 0800 111 6768.

Buildings

Your home and its decorations, fixtures and fittings attached to your home, sanitary ware, fixed glass including double glazing, permanently installed swimming pools, hot tubs, hard tennis courts, drives, patios, paved terraces, paths, walls, fences, hedges and gates, fixed domestic water installations, septic tanks, pipes, cables and fixed domestic central heating oil tanks.

Business Equipment

Computers, printers, scanners and their accessories, office furniture, photocopiers, fax machines and phone equipment in your home, other than equipment belonging to your employer.

Contents

Household goods and personal belongings, within the home which are your property or for which you are legally responsible.

Contents includes

• tenant’s fixtures and fittings;
• radio and television aerials, satellite dishes, their fittings and masts which are attached to the home;
• property in the open but within the grounds of your home up to £500 in total;
• business equipment up to £4,000 in total;
• money up to £300 in total;
• credit cards up to £1,000 in total;
• mobile telephones up to £250 in total;
• deeds and registered bonds and other personal documents up to £1,500 in total;
• valuables up to 20% of the sum insured for contents within the home subject to a limit of £2,000 for any one item unless stated otherwise in the schedule or the specification(s) attached to the schedule;
• domestic oil in fixed fuel tanks up to £1,000;
• and plants in your garden up to £500. 

Contents does not include

• motor vehicles (other than domestic garden machinery, mobility scooters or wheelchairs), aircraft (including model aircraft, gliders, hang-gliders, microlights and drones), caravans, trailers, watercraft or their parts and accessories;
• any living creature;
• any part of the buildings;
• mobile telephones insured under another insurance policy;
• any item used for your trade or profession (other than business equipment);
• or any item insured under any other insurance policy.

Credit Cards

Credit cards, charge cards, debit cards, bankers cards and cash dispenser cards in your name and for which you are responsible for which are not held for business purposes.

Domestic Staff

Any staff that live in your home and are employed by you or any residents in connection with the ownership or occupation of your home.

Endorsement

A change in the terms and conditions of this policy as shown on your schedule.

Excess

The amount payable by you as the first part of each separate claim under this policy.

Heave

Upward movement of the ground beneath the buildings as a result of the soil expanding.

Home

Your private dwelling of standard construction, any associated domestic outbuilding and garages at the risk address shown on your schedule.

Landslip

Downward movement of sloping ground.

Money

Current legal tender, cheques, postal orders, money orders, postage stamps not forming part of a stamp collection, savings stamps, saving certificates, travellers cheques, travel tickets, premium bonds, luncheon vouchers, gift tokens, annual sports or entertainment tickets and phone cards which belong to you and are not used for business purposes.

Payment Option

You can select to pay for your policy by either twelve monthly direct debits or one annual direct debit.

Period of Insurance

The time for which this insurance is in force as shown on your schedule.

Personal Belongings

Luggage, clothing, furs, mobile telephones, spectacles, musical instruments, sports equipment, pedal cycles, guns, money, credit cards, keys and other items which are normally worn or carried about the person and all of which belong to you.

Policy

The statement of cover provided in this document, your schedule and any endorsements.

Policy Administration Fee

The amount charged by the administrator for administering your policy. The policy administration fee is confirmed within the breakdown on your schedule.

Policy payment

This is the premium and policy administration fee.

Premium

This is the annual amount you have to pay for the next period of insurance. We will either collect one twelfth of the annual amount by direct debit on the same date each month, or collect the annual amount in full depending on the payment option you selected.

Proposal

The application form you completed and any other information you have given to us including information provided in writing, verbally or electronically.

Residents

Your partner and children and any other person permanently living with you, but excluding tenants.

Sanitary Ware

Washbasins, sinks, bidets, lavatory pans and cisterns, shower trays, shower screens, splashbacks, baths and bath panels.

Schedule

The document we send you that confirms your details, details of your home and the type of cover you have selected under this policy.

Settlement

Downward movement as a result of the soil being compressed by the weight of the buildings within 10 years of construction.

Standard Construction 

Built of brick, stone or concrete with a tile, slate, asphalt, metal or concrete roof (with no more than 25% of the roof being flat).

Start Date

The date on which your insurance commences as shown on your schedule.

Storm

Strong winds of 47 mph or more, sometimes accompanied by rain, hail or snow and/or heavy rain (in excess of 25mm or more over an hour period or a proportionate amount over a shorter time).

Subsidence

Downward movement of the ground beneath the buildings other than by settlement.

Sum Insured 

The most we will pay for any number of claims caused by one incident as shown on your schedule.

United Kingdom

England, Scotland, Wales, Northern Ireland, Isle of Man and the Channel Islands.

Unfurnished

Not furnished enough for you to live in.

Unoccupied

Not lived in by you or anyone else with your permission.

Valuables

Stamp, coin or medal collections, antiques, collectables, pictures, other works of art, items of gold, silver or other precious metals, jewellery, watches and furs which belong to you or for which you are legally responsible.

We/Us/Our

The insurer shown on your schedule.

You

The person or persons named on the schedule, any residents and domestic staff.

Your

Belonging to you or for which you are responsible.

 

Key Sections of Cover

Buildings Cover

1. Loss or damage to your buildings caused by any of the following events:

• Fire, smoke, explosion, lightning or earthquake.
• Storm, hail or weight of snow
• Flood
• Escape of water from and frost damage to washing machines, dishwashers, fixed water tanks, apparatus and pipes.
• Escape of oil from a fixed domestic central heating oil tank.
• Theft or attempted theft.
• Collision or impact by any vehicle or animal.
• Collision by aircraft and other flying devices or items dropped from them.
• Falling trees, branches, telegraph poles or lampposts.
• Breakage or collapse of fixed radio and television aerials, fixed satellite dishes and their fittings and masts.
• Riot, violent disorder, civil commotion, labour and political disturbances or strikes.
• Malicious damage or vandalism.
• Subsidence or heave of the site upon which your home stands or landslip.

2. Expenses in restoring the damage to your buildings which we have agreed in writing for:

• architects, surveyors, consulting engineers and legal fees;
• clearing debris, propping up, demolishing buildings or making them safe;
• and complying with Government or local authority requirements.

3. Any loss of rent due to you which you are unable to recover or additional costs of alternative accommodation, substantially the same as your existing accommodation, which you have to pay for while the home cannot be lived in following loss or damage which is covered under the buildings section.

4. The cost of repairing accidental damage to fixed glass and double glazing (including the cost of replacing frames), sanitary ware, solar panels and ceramic hobs, which form part of the buildings.

5. The cost of repairing accidental damage to underground drains, pipes, sewer pipes, cables and tanks providing service to and from your home and for which you are responsible. The cost of breaking and repairing a pipe between your home and the main sewer if normal methods of releasing a blockage are unsuccessful.

6. Costs you have to pay for replacing locks to safes, alarms and outside doors in your home following theft or loss of your keys.

7. Increased domestic metered water charges you have to pay following an escape of water which gives rise to an accepted claim under section 1 (d) of your buildings cover.

8. The cost of tracing the source of any escape of water or oil from fixed water tanks or pipes or domestic oil fired central heating installation, which you are legally responsible for. 

9. Any purchaser of your home will have the benefit of the buildings section of your policy between exchange of contracts and completion of the sale of your home, subject to the normal restrictions shown in this policy.

 

Liability Insurance included with Buildings Cover

The sum insured for liability under the buildings section is £2,000,000 for any claim or series of claims from one incident plus any costs and expenses we have agreed in writing.

1. Any amounts which you (or your personal representatives in the event of your death) become legally liable to pay for liability arising out of the ownership of your home from

• bodily injury;
• or damage to property;

caused by an accident happening at your home during the period of insurance.

2. Any amounts you become legally liable to pay, during the period of insurance, under section 3 of the Defective Premises Act 1972 or article 5 of the Defective Premises (Northern Ireland) Order 1975 in connection with any home previously owned and occupied by you.

 

Acidental Damage to Buildings Cover

1. Accidental damage to buildings.

 

Contents Cover

The sum insured for contents is shown on your schedule. We will increase the amount of your contents cover by a further 10% to cover wedding and other gifts for one month before and one month after a wedding, birthday, religious or other celebration.

The most you can claim for any individual item is £5,000 unless the item is specified on your schedule. We may require a receipt, original valuation or proof of purchase for any item that exceeds £500 in value in the event of a claim.

1. Loss or damage to your contents caused by any of the following events: 

• Fire, smoke, explosion, lightning or earthquake.
• Storm, hail or weight of snow
• Flood
• Escape of water from and frost damage to washing machines, dishwashers, fixed water tanks, apparatus and pipes.
• Escape of oil from a fixed domestic central heating oil tank.
• Theft or attempted theft.
• Collision or impact by any vehicle or animal.
• Collision by aircraft and other flying devices or items dropped from them.
• Falling trees, branches, telegraph poles or lampposts.
• Breakage or collapse of fixed radio and television aerials, fixed satellite dishes and their fittings and masts.
• Riot, violent disorder, civil commotion, labour and political disturbances or strikes.
• Malicious damage or vandalism.
• Subsidence or heave of the site upon which your home stands or landslip.

2. Loss or damage to your contents anywhere in the United Kingdom whilst temporarily removed from your home caused by theft or attempted theft from a private dwelling where you are working, any occupied private dwelling where you are temporarily living or any bank or safe deposit.

3. Loss or damage to your contents anywhere in the United Kingdom removed by a resident who is studying away from home caused by theft or attempted theft from temporary accommodation whilst studying. 

4. Costs you have to pay for replacing locks to safes, alarms and outside doors in your home following theft or loss of your keys.

5. The cost of replacing your food in your fridge or freezer if it is spoiled due to a change in temperature or contaminated by refrigeration fumes.

6. Costs of using other accommodation, substantially the same as your existing accommodation, which you have to pay for if the home cannot be lived in following loss or damage which is covered by an insured event.

7. Accidental damage to televisions, satellite decoders, audio and video equipment, DVD players, radios, home computers, laptops and business equipment which belong to you and are situated in your home. 

8. Accidental damage to any of the following items that form an integral part of your home:

• Fixed glass in furniture and glass in mirrors.
• Ceramic hobs or tops in freestanding kitchen appliances.

9. Increased domestic metered water charges you have to pay following an escape of water which gives rise to an accepted claim under section 1 (d) of your contents cover.

10. Your legal liability as a tenant for loss or damage to your landlord’s fixtures and fittings caused by an event insured under the buildings aspect of this policy.

 

Liability Insurance included with Contents Cover

The sum insured for liability under the contents section is £2,000,000 for any claim or series of claims from one incident plus any costs and expenses we have agreed in writing.

1. Any amounts which you (or your personal representatives in the event of your death) become legally liable to pay for liability arising as occupier of your home from

• bodily injury;
• or damage to property

caused by an accident happening at your home during the period of insurance.

Any amounts which you as a private individual become legally liable to pay as damages for

• bodily injury;
• or damage to property

caused by an accident happening anywhere in the world during the period of insurance.

2. Any amounts you become legally liable to pay, during the period of insurance, under section 3 of the Defective Premises Act 1972 or article 5 of the Defective Premises (Northern Ireland) Order 1975 in connection with any home previously owned and occupied by you.

3. All amounts which you have been awarded in courts within the United Kingdom which have not been paid to you within three months of the date of the award providing that the debtor would have been entitled to claim from us had he been insured by this insurance.

 

Accidents to Domestic Staff

The sum insured for accidents to domestic staff is £5,000,000 for any claim or series of claims from one incident plus any costs and expenses we have agreed in writing.

1. Any amounts which you become legally liable to pay including costs and expenses which we have agreed in writing, for bodily injury by accident happening during the period of insurance anywhere in the world to your domestic staff.

 

Accidental Damage to Contents Cover

The most you can claim for any individual item is £5,000 unless the item is specified on your schedule. We may require a receipt, original valuation or proof of purchase for any item that exceeds £500 in value in the event of a claim.

1. Accidental damage to your contents within your home.

 

Personal Belongings Cover

The most you can claim for any valuables is £1,500 unless the item is specified on your schedule. We may require a receipt, original valuation or proof of purchase for any valuables in the event of a claim.

We may require a receipt, original valuation or proof of purchase for any item that exceeds £500 in value in the event of a claim.

This section applies for items lost or damaged in your home or anywhere in the United Kingdom. You are also covered during travel elsewhere in the world up to a maximum of 60 days during any period of insurance.

This section does not apply to items left in a motor vehicle unless the items are in a locked boot, concealed luggage compartment or glove compartment. The most you can claim for items left in a motor vehicle is £1,000.

1. Loss or damage to luggage, clothing or furs.

2. Loss or damage to mobile telephones

3. Loss or damage to spectacles and hearing aids. 

4. Loss or damage to musical instruments.

5. Loss or damage to sports equipment.

6. Loss or damage to pedal cycles.

7. Loss or damage to guns.

8. Theft or accidental loss of money or any amounts which you become legally liable to pay as a result of unauthorised use following loss or theft of your credit card(s) provided that:

• within 24 hours of you discovering any such loss or theft, you have notified the police or border authorities and, in the case of credit card(s), the card issuing company;
• and you have complied with all other conditions of your credit card provider(s).

9. Loss or damage to other items of personal use that belong to you and that you normally carry with you. 

 

See the Policy Wording for full Terms and Conditions.