Powered by RBS WorldPay

All major cards accepted

 

 

Key Facts / Summary of Available Cover

POLICY SUMMARY

The following summaries do not contain the full terms and conditions of the contracts which can be found in the insuring documents, full details of which can be found under the Policy Documents tab. These summaries do not form part of your contracts of insurance.

INSURERS

Buildings, Contents and associated risks Insurance is underwritten by the Salvation Army Insurance Corporation Ltd Ltd who are regulated by the Financial Conduct Authority.

Family Legal Insurance is underwritten by DAS Insurance Company who are authorized by the Financial Conduct Authority.

ABOUT YOUR HOUSEHOLD POLICY

This Insurance provides the following coverage:

Household insurance cover.

This insurance only relates to those sections of the insurance which you request and we agree to insure.

Cover specific features and benefits (referenced to the sections contained in the insurance document):

Buildings

are defined as: The private dwelling built of brick, stone or concrete and roofed with slates, tiles, asphalt, metal or concrete, its decorations and fixtures and fittings, garages and outbuildings swimming pools, tennis courts, drives, patios and terraces, walls, gates and fences and fixed fuel tanks, cover also includes Fire, Lightning, Explosion or Earthquake Aircraft and other Flying Devices Storm, Flood, Weight of Snow Escape of Oil from fixed domestic oil-fired heating installations Escape of Water from fixed water tanks, apparatus or pipes Theft or attempted theft Collision by any vehicle or animal Riots, Strikes, Violent Disorder, Civil Commotion and Malicious Damage Subsidence or Heave of the site or Landslip Falling Trees, Lamp-posts or Telegraph Poles Accidental damage to oil pipes, underground supply pipes, sewers, drains and cables Frost damage to fixed water tanks, apparatus and pipes Damage caused by falling aerials and satellite dishes Breakage of fixed glass, solar panels, sanitary fixtures and ceramic hobs Loss of rent due to you and temporary accommodation costs up to 10% of the sum insured for Buildings. Architect s and Surveyor s fees, debris removal and additional costs as a result of Local Authority requirements Increased domestic metered water charges up to £750 in all following an escape of water Anyone buying your home until completion of sale The cost of finding the source of an escape of water from fixed water tanks, apparatus or pipes up to £2,500 Your legal liability as owner up to £2,000,000 for any one accident or series of accidents arising out of one event

                                                                       Page 1 of 4                                   October 2015

Contents

are defined as: Household Goods and Personal Property within the home these are your property or for which you are legally responsible, cover also includes property in the open up to £500 Temporary removal to certain other premises in the United Kingdom for up to 20% of the sum insured for contents

Accidental damage to televisions, audio and video equipment including radios, video recorders, home computers and satellite decoders Breakage of ceramic hobs, mirrors, fixed glass in furniture, double glazing and sanitary ware Rent you have to pay or temporary accommodation costs up to 10% of the sum insured for contents Fatal injury caused by fire or burglars up to a maximum of £10,000 for each insured person over sixteen years of age Replacement of locks following theft or loss of keys up to £250 Increased domestic metered water charges up to £750 in all following an Escape of Water Your legal liability as occupier up to £2,000,000 for any one accident or series of accidents arising out of one event Your legal liability for accidents to domestic staff up to £5,000,000 for any one accident or series of accidents arising out of one event Your legal liability as a tenant for loss or damage to the buildings for up to 10% of the sum insured for contents Cover can be extended to include further Accidental Damage for an Additional Premium. Cover does not include any hand held computerised equipment such as Lap Tops, I Pads and Kindles, Mobile Phones are also excluded.

Personal Possessions away from the home

Cover includes Jewellery, furs and personal possessions against physical loss or damage within agreed territorial limits All individual items valued at over £2000 must be specified  Cover under Personal Possessions does not include any hand held computerised equipment such as Lap Tops, I Pads and Kindles, Mobile Phones are also excluded. In the event of a claim under the Personal Possessions section we will at our option repair, replace or pay for any article

Extensions to cover available

Pedal cycles can be covered anywhere in the United Kingdom for theft and accidental damage Domestic freezer contents Money and Credit cards can be covered against theft and unauthorised use

Significant or Unusual Exclusions or Limitations 

1) Contents Cover

Unless otherwise agreed by us, the following limitations apply to contents:- money and credit cards are insured up to a maximum of £300 in total deeds and registered bonds and other personal documents are insured up to a maximum of £1500 in total stamps or coins forming part of a collection are insured up to a maximum of £1250 in total gold, silver, gold and silver plated articles, jewellery and furs are insured up to a maximum of £2500 or 10% of the sum insured for contents whichever is the less domestic oil in fixed fuel oil tanks is insured up to a maximum of £2000 theft of contents from detached outbuildings are insured up to £500 or 3% of the sum insured, whichever is the greater.

Contents does NOT include

: motor vehicles (other than garden machinery) caravans, trailers or water craft or their accessories any living creature any part of the buildings any property held or used for business purposes any property insured under any other insurance.

2) Exclusions that apply to the whole of this insurance:-

a) Loss or damage caused directly or indirectly by radioactive contamination and nuclear assemblies

b) Loss, damage or liability directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority

c) Existing or Deliberate Damage

d) Loss or damage that is not directly associated with the incident that caused you to claim, unless expressly stated in this insurance.

                                                                            Page 2 of 4                             October 2015

 

e) Loss, damage or liability resulting from computer viruses, erasure or corruption of electronic data or the failure of any equipment to correctly recognise the date or change of date

f) Loss, damage or liability caused by Biological or Chemical contamination arising from

i) terrorism,

ii) steps taken to prevent, suppress, control or reduce the consequences of any actual, attempted, threatened, suspected or perceived act of terrorism

g) Any reduction in value of the property insured following repair or replacement

h) Damage caused by wear and tear or any other gradually operating cause

3) Policy Excess

The standard policy excess is £100.00 Escape of Water claims £250.00 excess applies. For claims resulting from Subsidence, Landslip or Heave the excess is £1000.00

Any specific excesses that may be applied will be advised to you.

4) Tell us about any changes in occupancy of the home

You must tell [the insurance broker who sold you this insurance] of any changes to the use of the home as a permanent private residence. Leaving the home unoccupied for more than 30 days or leaving the home insufficiently furnished enough to be normally lived in will result in restrictions in cover. If you do not tell us of these changes your claim may not be covered.

5) Tell us about any changes to the home

You must tell [the insurance broker who sold you this insurance] before you start any structural work to the buildings that:- change the use of the buildings in any way involves the external surfaces of the buildings being affected/changed means you having to move out of the buildings for any period of time.

How We Settle Your Claim

Buildings

We will pay the full cost to repair or replace the loss or damage providing the buildings have been maintained in a good state of repair and the sum insured is adequate to cover the full cost of rebuilding the home.

Contents

Providing the sum insured is adequate, we will at our option pay either the full cost to repair or, in the event of total loss or destruction of any article, we will pay the cost of replacing the article as new as long as you have paid or we have authorised the cost of replacement. This basis of settlement does not apply to clothes or pedal cycles where we will take off an amount for depreciation.

Personal Possessions

Cover under Personal Possessions does not include any hand held computerised equipment such as Lap Tops, I Pads and Kindles, Mobile Phones are also excluded. In the event of a claim under the Personal Possessions section we will at our option repair, replace or pay for any article lost or damaged. The maximum we will pay you in respect of any item/section will be the sum insured shown in the schedule attaching to the insuring document.

PERIOD OF INSURANCE

The period covered by this insurance is normally for 12 months. Renewal will be subject to the terms and conditions that apply at the time of renewal.

Cooling Off Period

If you decide that you do not wish to proceed then you can cancel this insurance by writing to [Barninsurance.com who sold you this insurance] within 14 days of either:- change the use of the buildings in any way involves the external surfaces of the buildings being affected/changed means you having to move out of the buildings for any period of time

The date you receive your policy documentation; or The start of the period of insurance whichever is the later.

Cancellation  

We may cancel your insurance by sending 30 days notice to your correspondence address shown in the schedule, any premium due to you will depend on how long the insurance has been in force and if any claim has been made in the current policy term, if a claim has been made no return premium will be refunded.

                                                   Page 3 of 4                                      October 2015

Claims 

If you believe that you have a claim under this Insurance, you should complete the on line claim form.

Complaints   

Our aim is to ensure that all aspects of your insurance are dealt with promptly, efficiently and fairly. At all times we are committed to providing you with the highest standard of service. If you have any questions or concerns about your policy or the handling of a claim you should, in the first instance, contact info@barninsurance.com

If you are still unhappy with any issue connected with the handling of your insurance policy or claim then you should direct your enquiry in writing to: The Chief Executive Officer, The Salvation Army Insurance Corporation Ltd full contact details will provided when requested.

Complaints that cannot be resolved may be referred to the Financial Ombudsman Service. Further details will be provided at the appropriate stage of the complaints process. This complaint procedure is without prejudice to your right to take legal proceedings.

Compensation    

 The Salvation Army Insurance Corporation Ltd are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if an insurer is unable to meet its obligations to you under this contract. If you were entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract. Further Information about the Scheme is available from the Financial Services Compensation Scheme (7th floor Lloyd s Chambers, Portsoken Street, London E1 8BN) and on their website: www.fscs.org.uk

Law & Jurisdiction Applicable to the Insurance  

The parties are free to choose the law applicable to this Insurance Contract. Unless specifically agreed to the contrary this insurance shall be governed by the laws of England and subject to the exclusive jurisdiction of the courts of England. The language for contractual terms and communication will be English.

Unacceptable Occupations for Converted Barn Home Insurance

The following occupations would be unacceptable to us, whether full or part-time:


a.         Air crew, hostesses and stewards

b.        Amusement arcade owners / workers

c.         Bookmakers and turf-accountants

d.        Casino and gaming establishments staff

e.        Circus and fairground owners / workers

f.          Debt collectors

g.        Fashion and photographic models

h.        Foreign forces personnel

i.          Itinerant traders and travellers

j.          Jewellers and furriers

k.        Market / street traders

l.          Money lenders and pawnbrokers

m.      Professional photographers

n.        Professional sports persons

o.        Proprietors / employees of bars and night-clubs

p.        Scrap / general dealers and merchants

q.        Show business personnel

r.         Antique dealers

s.        Childminders

t.          Diplomatic / embassy staff

u.        Merchant seamen

v.         Musicians

w.       Oil rig workers

 

 

 

 

 

 

 

                                                                        Page 4                                     October 2015

 

 

W3C XHTML  W3C CSS 2  W3C WAI A
Copyright © Barn Insurance. All Rights Reserved.