Please download the full policy wording for full details of cover
NOTE: PLEASE SEE FULL POLICY WORDING FOR FULL EXCLUSIONS AND EXAMPLES
THEFT FROM RESIDENCE
With visible signs of forced entry/exit
Unless things were outside that shouldn't be or due to natural wear & tear, corrosion etc.
Fire, lightning, earthquakes & landslides
Unless due to events occurring from corrosion, mildew, lack of maintenance etc.
HOME IMPACT DAMAGE
Damage from impact with your house
MALICIOUS DAMAGE unless
-Caused by someone living at the home;
-Occurs while your Residence is being let
-Caused by theft and attempted theft
You will always have to pay a small portion of any claim settlement. This is known as the excess.
Dual insurance - if you have any other insurance policies insuring the same item for the same cover, the claim will be paid proportionately.
We will replace/repair your item, issue a voucher to you or pay you out the required replacement/repair value
Obtain consent before proceeding with any repairs / replacements
THINGS TO REMEMBER 💭
All policies are monthly and cover is on a month-to-month basis payable in advance.
Premiums are collected in advance via debit order (on your specified date). New items will be charged pro-rata.
You may cancel the policy at any time, via the App, and the cancellation will take effect at the end of the month.
Take all reasonable steps to prevent further loss or damage to your insured property after an event
Make sure that all the info you give us about yourself, your property and your risk profile is true and accurate
Tell us of any material change that might affect your risk profile or acceptance of cover or the premium charged