1

Mr M Jawed
8 Priory Avenue
London, London
E17 7QP
Mr Jawed, thank you for insuring your

home with Bradford & Bingley.
(E177QP3Y4)
Your policy number is 123625716-01.
You are insured until 30 November

2015.
You will need this number if you contact us.
29 November 2014
Welcome to home insurance with Bradford & Bingley. You now have quality cover at a great price, alongside access
to our 24-hour emergency claims line. To find out more about the benefits of your cover, please see below. Also
overleaf, you will find some useful extras worth adding to your policy.
It is important that the information you provide throughout the quote and duration of the policy is accurate. Failure to
disclose correct and complete information to the best of your knowledge and belief may result in increased premiums,
refusal of a claim or not being fully paid, your policy being cancelled or being made null & void and treated as if it
never existed.
In the meantime, heres what you need to do now...
Payment Details
Pre-contract Credit Information
Fixed Sum Loan Agreement
Important Information
Statement of Insurance
Schedule of Insurance
Home Policy Summary
Additional Benefits Policy Summary
Home Policy Wording

Additional Benefits Policy Wording for Family Legal Protection and Home Assistance
If any of your details are incorrect, please call 0844 412 2153. We do not charge an administration fee if you change
your policy within 14 days of the start date of your policy.
Emergency claims line - 24 hours a day, 7 days a

week
Plants in your garden covered for 250
Cover for electronic downloads 250
10% increase in sum insured for weddings and

religious festivals
Replacement locks and keys for your property up to

500
Cover for trace and access of leaks 5,000
Family Legal Protection
Home Assistance
1
Bradford & Bingley (Car and Home) Insurance is arranged and administered by BISL Limited who are authorised and regulated by the Financial Conduct Authority.
Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS. Registered in England No. 03231094. Bradford & Bingley (Car and Home)
Insurance is a trademark of Bradford & Bingley plc and is used under licence. The above logo is a registered trademark of Bradford & Bingley plc and is used under licence.
Calls to our 0844 numbers cost 5p/min from a BT landline, set up fees may apply and network charges may vary. Calls from mobile phones may be considerably more.
24-hour claim line
0844 412 2152

helpline
0844 412 2156

Visit us online at
24 hours a day, 7 days a

week. You will need your
policy number and the
policyholder's name and
address.
Customer Services &

upgrade your policy

address.
Home Assistance helpline
Mon to Fri 8am-9pm

Sat 9am-5pm
0844 412 2153

0844 871 2378

address.
www.bradfordandbingley-insurance.co.uk
and register for your Self Service Centre
Payment Details .....................................................................................
Pre-contract Credit Information .....................................................
Fixed Sum Loan Agreement (2 copies) ....................................
Important Information ..........................................................................
11
Renewing your policy
Our fees and charges
Statement of Insurance ......................................................................
13
Schedule of Insurance ........................................................................
15
Home Policy Summary .......................................................................
17
Additional Benefits Policy Summary ...........................................
21
Home Policy Wording .........................................................................
23
Family Legal Protection Policy Wording ...................................
37
Home Assistance Policy Wording ................................................
41
3
Please call us immediately on 0844 412 2153 if any details are incorrect or if you want to change your monthly
payment date. If we dont hear from you we will take payments from your account on or around the 29th of each
month. To change your monthly payment date, please advise us at least 3 days before we take the next payment.
The cost of your policy

Total annual cash price of your policy (inclusive of insurance premium tax)
231.07
How we have calculated the cost of your policy

Your buildings cover
120.71
Your contents cover
90.37
Home Assistance
Included
19.99
231.07
Total cash price of your policy (as shown above)
29.04
Total charge for credit (for paying by instalments)
260.11
Total amount payable
Insurance Premium Tax has been included at the appropriate rate, this is the only tax applicable on your premium.
For information on any fees that may be included in this price, please refer to the Important Information document.
Your Payments
Amount youve paid to date from the debit card shown below
19.32
Amount still to pay

11 monthly payments of 21.89 on or around the 29th of the month starting in January 2015 and ending in November
2015 from the account with the details shown below.
Each monthly payment includes a 2.64 charge for paying monthly. The APR applicable for paying the cost of your
policy monthly is 29.9%.
Account details
Account number
Name of account
Sort code
****1366
Mr M Jawed
20-53-00
Account Details
Account number
Name of account
Sort code
****1366
Mr M Jawed
20-53-00
Refunds
We will pay any refund due to the bank account or credit/debit card we hold on file.
Direct Debit Guarantee

This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.
If there are any changes to the amount, date or frequency of your Direct Debit BISL Limited will notify you 10 working
days in advance of your account being debited or as otherwise agreed. If you request BISL Limited to collect a
payment, confirmation of the amount and date will be given to you at the time of the request.
If an error is made in the payment of your Direct Debit, by BISL Limited or your bank or building society, you are
entitled to a full and immediate refund of the amount paid from your bank or building society.
If you receive a refund you are not entitled to, you must pay it back when BISL Limited asks you to.
You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may
be required. Please also notify us.
4
PRE-CONTRACT CREDIT INFORMATION

(Standard European Consumer Credit Information)
1.
Contact details
Creditor.
Address.
Credit intermediary.
Address.
2.
Key features of the credit product

The type of credit.
The total amount of credit.
This means the amount of credit to be
provided under the proposed credit
agreement or the credit limit.
How and when credit would be provided.
The duration of the credit agreement.

Repayments.
The total amount you will have to pay.

This means the amount you have
borrowed plus interest and other costs.
The proposed credit will be linked to the
supply of specific goods or the provision
of a service.
Description of goods / services / land (as
applicable).
Cash price.
Security required.
This is a description of the security to be
provided by you in relation to the credit
agreement.
3.
BFSL Limited (we, us, our)

Pegasus House, Bakewell Road, Orton Southgate, Peterborough,
PE2 6YS
BISL Limited (BISL)
Pegasus House, Bakewell Road, Orton Southgate, Peterborough,
PE2 6YS
Fixed Sum Credit

211.75.
When you enter into an insurance policy (the Policy) together with any
related products purchased at the same time (together with the Policy,
the Insurance Transaction), we will advance the amount being financed
under the credit agreement to BISL, who will be responsible for arranging
the Insurance Transaction on your behalf.
12 months from the Policy commencement date.
The first instalment due will be 21.89 followed by 11 monthly payments
of 21.89.
240.79.
The credit agreement will finance:
The premium payable for the Policy, with the Number 123625716-01
Family legal protection and Home assistance
The cash price for:
The Policy is 211.08
Family legal protection is 19.99 and Home assistance is Included

The total cash price for the Insurance transaction is 231.07.
As security for the payment of all amounts that you are at any time
required to pay under the credit agreement, by signing the credit
agreement you will agree to give us a first ranking mortgage over all
rights to and interest in all sums payable under the Insurance
Transaction (including refunds).
Costs of the credit

The rates of interest which apply to the
credit agreement.
Annual Percentage Rate of Charge
(APR).
13.72% per annum, fixed for the term of the credit agreement.
29.9%
This is the total cost expressed as an

annual percentage of the total amount of
credit.
The APR is there to help you compare
different offers.
Related Costs
Any other costs deriving from the credit
agreement.
The advance payment required is 19.32
Costs in the case of late payments.
Consequences of missing payments.
4.
Other important legal aspects

Right of withdrawal.
Early repayment.
Consultation with a Credit Reference
Agency.
Right to a draft credit agreement.
The period of time during which the

creditor is bound by the pre-contractual
information.
5.
If you fail to make a payment we will charge you a fee of 20.

Our reasonable administrative or legal costs and expenses we incur in
recovering sums you owe us.
Where it is necessary to instruct agents to recover the debt, a transaction
charge of 0.85 will be applied to any payments made to the agents.
Missing payments could have severe consequences and make obtaining
credit more difficult. If you fail to pay what is owed we may instruct BISL
to cancel your Policy and we may take legal action against you to enforce
our rights.
You have a right to withdraw from the credit agreement.

After you have signed the credit agreement, we will send you a notice
with various information, including confirmation that the credit agreement
has been made. You may withdraw from the credit agreement within 14
days of receiving the notice.
You have the right to repay the credit early at any time in full or in part.
If we decide not to proceed with the credit agreement on the basis of
information obtained from a credit reference agency, we will notify you of
our decision and will inform you that it has been reached on the basis of
such information and of the particulars of the agency.
You have the right, upon request, to obtain a copy of the draft credit
agreement free of charge, unless at the time of the request we are
unwilling to enter into the credit agreement.
This information is valid from 1 December 2014 until 29 December 2014.
Additional information in the case of distance marketing of financial services

(a) concerning the creditor
Registration number.
The supervisory authority.
(b) concerning the credit agreement
The law taken by the creditor as a basis
for the establishment of relations with you
before the conclusion of the credit
agreement.
The law applicable to the credit
agreement and/or the competent court.
Language to be used in connection with
the credit agreement.
(c) concerning redress
Access to out-of-court complaint and
redress mechanism.
Authorisation Number. 492684

Company Registration No. 2706280
The Financial Conduct Authority
The law of England and Wales.
The credit agreement will be governed by the law of England and Wales
and subject to the exclusive jurisdiction of the English courts.
The information and contractual terms relating to the credit agreement
will be in English. With your consent, we intend to communicate in
English for the duration of the credit agreement.
If you have a complaint, please contact our Customer Services on 0844
412 2153. If we do not resolve your complaint to your satisfaction, you
may be able to refer it to the Financial Ombudsman Service (FOS). You
can find out more about the FOS by writing to them at South Quay Plaza,
183 Marsh Wall, London E14 9SR or by telephoning 0800 023 4567.
Details are also available at their website:
www.financial-ombudsman.org.uk
Fixed Sum Loan Agreement regulated by the Consumer Credit Act

1974
Creditor: BFSL Limited, Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS ("we" "us" "our")
Customer: Mr M Jawed, 8 Priory Avenue, London, London, E17 7QP ("you" "your")
Credit Intermediary: BISL Limited, Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS ("BISL")
This Agreement is for a fixed sum loan to finance the cost of an insurance Policy (the "Policy") together with any related products purchased at
the same time (together with the Policy, the "Insurance Transaction") and is made on the terms set out below and overleaf.
Missing Payments
A.
Missing payments could have severe consequences

and make obtaining credit more difficult. If you fail to
pay what is owed we may instruct BISL to cancel your
Policy and we may take legal action against you to
enforce our rights.
Periodic Statements of Account
Unsatisfactory Goods or Services
5.
B.
C.
D.
E.
001
proceeds received in respect of a settlement of a

claim under the Policy, or any other agreed
variation under this Agreement. We will tell you
in writing of any changes to your monthly
payments.
Key Financial Information
F.
6%q`
G.
H.
I.
The amount of credit provided under this

Agreement is 211.75, which must be paid by 11
monthly payments.
The advance payment required is 19.32.
The total charge for credit is 29.04, which
consists wholly of interest.
The total amount payable under this Agreement
is 240.79.
The term of this Agreement is 12 months from
the commencement date of the Policy.
The first monthly payment is due on 29 January
2015 and further payments are due monthly
thereafter for the following 10 months on the
same day of each month.
The first monthly payment due will be 21.89 and
all further monthly payments will be 21.89.
The APR is 29.9%.
In calculating the APR, we have assumed that all
payments set out in this Agreement will be made
in full and on time and that there will be no
variation in the terms of this Agreement.
The interest rate is 13.72% per annum, fixed for
the term of this Agreement.
Interest is calculated and charged on the amount
of credit and is applied equally over all the
monthly payments.
If the Insurance Transaction financed by this

Agreement costs more than 100 but not more than
30,000 and is unsatisfactory, you may have the right
to sue the insurer or related product provider (as the
case may be), us, or both of us.
Customer Notice and Acknowledgement

You should not sign this Agreement unless: you have
read and understand all the terms and conditions, you
will be able to afford the monthly payments, you have
obtained such legal advice and financial advice as you
consider appropriate, and then decided that you want
to be legally bound by this Agreement. When we are
considering whether to enter into this Agreement with
you we will rely upon the information you have given
us about yourself. It is important that all such
information is accurate and complete.
Security
6.
Other Financial Information

J.
K.
This Agreement is to finance:

The premium payable for the Policy, with the
number 123625716-01
The cash price for:
Family legal protection is 19.99 and Home
assistance is Included
Signed for and on behalf of BFSL Limited

Dated the 29 November 2014
This is a Credit Agreement regulated by the

Consumer Credit Act 1974. Sign it only if
you want to be legally bound by its terms.
Default Charges
The following charges shall apply under this
Agreement:
If you fail to make a payment we will charge
you a fee of 20
All other reasonable administrative or legal
costs and expenses incurred by us resulting
from your breach of this Agreement
Where it is necessary to instruct agents to
recover the debt, a transaction charge of
0.85 will be applied to any payments made
to the agents.
Your Right to Repay Early

M.
You can settle this Agreement in full or in part at

any time by contacting us either in writing or
orally (using the details set out in Clause 10) and
paying off the full amount you owe under this
Agreement or the amount you wish to pay in
partial settlement (which may be reduced by a
rebate). If you wish to settle this Agreement early
the amount you will have to pay us for the credit
provided will be:
At 3 months 8.96
At 6 months 19.45
At 9 months 26.23
In calculating the above, no account has been
taken of any variation which might occur under
this Agreement, and therefore, the amounts are
illustrative only.
As security for the payment of all amounts that

you are at any time required to pay under this
Agreement, by signing this Agreement you agree
to give us a first ranking mortgage over all rights
to and interest in:
(i) all sums payable under the Policy (including
refunds); and
(ii) the right to cancel and/or enforce the Policy.
If any event listed in Clause 15 below occurs
whilst any balance is outstanding under this
Agreement, we shall be entitled to take
possession of the Policy and to retain it (either
ourselves or through BISL) until that balance has
been repaid in full, following which we will deliver
the Policy to BISL.
Credit and Insurance Intermediary
The total cash price for the Insurance Transaction is

231.07.
L.
You are entitled, under Section 77B of the

Consumer Credit Act 1974 (the"Act") to receive,
on request and free of charge at any time during
the term of this Agreement, a statement of
account showing details of each monthly
payment owing under this Agreement, the date
on which each monthly payment is due, the
amount and conditions relating to its payment,
and a breakdown of each monthly payment
showing how much comprises capital, interest
and (if applicable) other charges.
Signature(s) of Borrower(s):
Date(s) of signature(s):
Signing Instructions
We enclose two copies of this Agreement. Please sign
one copy and return it to us at Insurance Services,
Unit 25 Tresham Road, Orton Southgate,
Peterborough, PE2 6BU and keep the other in a safe
place. After you have signed the Agreement, we will
send you a notice with various information, including
confirmation that the credit agreement has been made
(the "Notice").
Payments
1.
2.
3.
4.
You must make all payments due under this

Agreement in full and on time. Payments must
be made by Direct Debit.
All monthly payments shall remain payable
regardless of any claim under the Policy.
In the event of a cancellation of the Policy, you
must immediately repay the proportion of the
balance outstanding under this Agreement. We
will tell you in writing of the amount due.
We may vary your monthly payments at any time
to take account of any refund received on the
cancellation or any adjustment of the Policy, any
7.
8.
You were introduced to us by BISL.

BISL is solely responsible for arranging and
administering the Insurance Transaction on your
behalf. When you enter into an Insurance
Transaction, we will advance the amount being
financed under this Agreement to BISL.
9.
You authorise us to instruct BISL:
(i) to receive any sums advanced under this
Agreement on your behalf;
(ii) to cancel the Policy on your behalf following
one or more of the events set out in Clause
15;
(iii) in the event of the cancellation of the Policy,
howsoever affected, to remit to us any refund
or claim of premium, which we will credit to
the outstanding balance under this
Agreement; and
(iv) to remit to us any refunds of premium and/or
any claim payments otherwise payable under
the Policy, which we will credit to the
outstanding balance under this Agreement.
Your Withdrawal Rights

10.
You have the right to withdraw from this

Agreement without giving any reason. The
withdrawal reason period:
(i) begins on the day after you receive the
Notice; and
(ii) ends 14 calendar days later.
Please contact us if you want to withdraw. You
can call us on 0844 412 2153 or write to us at:
Insurance Services, Unit 25 Tresham Road,
Orton Southgate, Peterborough, PE2 6BU.
11. If you withdraw from this Agreement before any
insurance cover has come into force in respect of
the Policy no further payment need
be made by you, the Policy will not
12.
13.
be issued and a rebate will be made by us to you

of all sums then paid under this Agreement by
you.
If you withdraw from this Agreement whilst the
Policy is in force you must repay any credit
provided and any interest accrued on it from the
date the credit is advanced until the date it is
repaid. Such repayment should be paid to us
without delay and no later than 30 calendar days
after you give the withdrawal notice. To arrange
any necessary payment, please contact us on
0844 412 2153.
Interest will be calculated at the daily rate of
0.07.
purposes and as otherwise described in this

Agreement.
Complaints
20.
21.
Miscellaneous
22.
Claims
14.
If you make any claims under your Policy then

the outstanding amount under this Agreement
will become payable, subject to us providing you
with any necessary notices.
23.
Default
15.
If:
(i) you fail to make a monthly payment on the
date it is due to be paid;
(ii) any information provided by you, or on your
behalf in connection with this Agreement
and/or the Policy is incorrect;
(iii) for any reason we do not have a valid Direct
Debit instruction and you have failed to
cooperate with us to correct this;
(iv) you fail to observe or perform any material
provision contained in this Agreement and
you have failed to correct this within a
reasonable time of us requesting you to do
so; or
(v) for any reason the security constituted hereby
is or becomes unenforceable and you have
failed to cooperate with us to correct this, then
we will assume that you cannot or will not
comply with the terms and conditions of this
Agreement, and we will be entitled, on or after
the date specified in any notice required by
the Act to be served on you, to end this
Agreement and/or demand repayment of the
balance outstanding under this Agreement
and all charges and arrears due (if any) less
any rebate to which you may be entitled
under the Act.
If you have a complaint about our service which

we cannot resolve, you have a right to ask the
Financial Ombudsman Service to consider the
complaint.
Financial Conduct Authority of 25 The
Colonnade, Canary Wharf, London E14 5HS is
the supervisory authority under the Act.
24.
We will not be taken to have waived our rights

under this Agreement if we decide for any reason
not to exercise, or delay in exercising, any of
those rights or we exercise any of those rights
only partially.
Any notice of communication given to you under
this Agreement will be sent by post or, where
permitted, by email. Notice given by post shall be
deemed correctly served if sent by post to your
last known address and shall be deemed to have
been given two days after it was sent by ordinary
post. Notice given by email shall be deemed
correctly served if sent to the email address you
gave us and shall be deemed to have been
delivered when sent. We will communicate with
you in English for the duration of this Agreement.
This Agreement is governed by the law of
England and Wales and is subject to the
exclusive jurisdiction of the English courts.
In addition, we will request that the Insurance

Transaction is cancelled. Any rebate of the
premium from that cancellation will be used
by us towards repayment of the balance
outstanding under this Agreement.
Transfer
16.
17.
18.
We may assign our rights under this Agreement

to another person. We may also transfer our
responsibility under this Agreement to another
person. This will not take away any of your rights
or responsibilities under this Agreement.
You may not transfer any of your rights or
responsibilities under this Agreement to another
person.
References in this Agreement to "we", "us" and
"our" refer to BFSL Limited and any persons to
whom our rights have been assigned or to whom
our rights and responsibilities under this
Agreement have passed by assignment or
transfer.
Your Information
19.
You agree we may give information about you

and your payment record under this Agreement
to (i) credit reference agencies; (ii) debt
collecting agents; (iii) any third party servicing
company we use to administer this Agreement;
(iv) any actual or proposed transferee or
assignee of this Agreement or party providing
funding in connection with this Agreement or any
other agreement between us, their insurers and
advisers; and (v) any other party with whom we
consider entering into a contractual arrangement
in relation to this Agreement or any other
agreement with you. In the event of any potential
or actual assignment, transfer, assumption or
securitisation of our rights and/or obligations
under this Agreement or any other agreement
with you, or any other transfer, assumption or
disposal of such rights and/or obligations, we
may pass any information to any interested
person who may use the information for such
Fixed Sum Loan Agreement regulated by the Consumer Credit Act

1974
Creditor: BFSL Limited, Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS ("we" "us" "our")
Customer: Mr M Jawed, 8 Priory Avenue, London, London, E17 7QP ("you" "your")
Credit Intermediary: BISL Limited, Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS ("BISL")
This Agreement is for a fixed sum loan to finance the cost of an insurance Policy (the "Policy") together with any related products purchased at
the same time (together with the Policy, the "Insurance Transaction") and is made on the terms set out below and overleaf.
Missing Payments
A.
Missing payments could have severe consequences

and make obtaining credit more difficult. If you fail to
pay what is owed we may instruct BISL to cancel your
Policy and we may take legal action against you to
enforce our rights.
Periodic Statements of Account
Unsatisfactory Goods or Services
5.
B.
C.
D.
E.
001
proceeds received in respect of a settlement of a

claim under the Policy, or any other agreed
variation under this Agreement. We will tell you
in writing of any changes to your monthly
payments.
Key Financial Information
F.
6%q`
G.
H.
I.
The amount of credit provided under this

Agreement is 211.75, which must be paid by 11
monthly payments.
The advance payment required is 19.32.
The total charge for credit is 29.04, which
consists wholly of interest.
The total amount payable under this Agreement
is 240.79.
The term of this Agreement is 12 months from
the commencement date of the Policy.
The first monthly payment is due on 29 January
2015 and further payments are due monthly
thereafter for the following 10 months on the
same day of each month.
The first monthly payment due will be 21.89 and
all further monthly payments will be 21.89.
The APR is 29.9%.
In calculating the APR, we have assumed that all
payments set out in this Agreement will be made
in full and on time and that there will be no
variation in the terms of this Agreement.
The interest rate is 13.72% per annum, fixed for
the term of this Agreement.
Interest is calculated and charged on the amount
of credit and is applied equally over all the
monthly payments.
If the Insurance Transaction financed by this

Agreement costs more than 100 but not more than
30,000 and is unsatisfactory, you may have the right
to sue the insurer or related product provider (as the
case may be), us, or both of us.
Customer Notice and Acknowledgement

You should not sign this Agreement unless: you have
read and understand all the terms and conditions, you
will be able to afford the monthly payments, you have
obtained such legal advice and financial advice as you
consider appropriate, and then decided that you want
to be legally bound by this Agreement. When we are
considering whether to enter into this Agreement with
you we will rely upon the information you have given
us about yourself. It is important that all such
information is accurate and complete.
Security
6.
Other Financial Information

J.
K.
This Agreement is to finance:

The premium payable for the Policy, with the
number 123625716-01
The cash price for:
Family legal protection is 19.99 and Home
assistance is Included
Signed for and on behalf of BFSL Limited

Dated the 29 November 2014
This is a Credit Agreement regulated by the

Consumer Credit Act 1974. Sign it only if
you want to be legally bound by its terms.
Default Charges
The following charges shall apply under this
Agreement:
If you fail to make a payment we will charge
you a fee of 20
All other reasonable administrative or legal
costs and expenses incurred by us resulting
from your breach of this Agreement
Where it is necessary to instruct agents to
recover the debt, a transaction charge of
0.85 will be applied to any payments made
to the agents.
Your Right to Repay Early

M.
You can settle this Agreement in full or in part at

any time by contacting us either in writing or
orally (using the details set out in Clause 10) and
paying off the full amount you owe under this
Agreement or the amount you wish to pay in
partial settlement (which may be reduced by a
rebate). If you wish to settle this Agreement early
the amount you will have to pay us for the credit
provided will be:
At 3 months 8.96
At 6 months 19.45
At 9 months 26.23
In calculating the above, no account has been
taken of any variation which might occur under
this Agreement, and therefore, the amounts are
illustrative only.
As security for the payment of all amounts that

you are at any time required to pay under this
Agreement, by signing this Agreement you agree
to give us a first ranking mortgage over all rights
to and interest in:
(i) all sums payable under the Policy (including
refunds); and
(ii) the right to cancel and/or enforce the Policy.
If any event listed in Clause 15 below occurs
whilst any balance is outstanding under this
Agreement, we shall be entitled to take
possession of the Policy and to retain it (either
ourselves or through BISL) until that balance has
been repaid in full, following which we will deliver
the Policy to BISL.
Credit and Insurance Intermediary
The total cash price for the Insurance Transaction is

231.07.
L.
You are entitled, under Section 77B of the

Consumer Credit Act 1974 (the"Act") to receive,
on request and free of charge at any time during
the term of this Agreement, a statement of
account showing details of each monthly
payment owing under this Agreement, the date
on which each monthly payment is due, the
amount and conditions relating to its payment,
and a breakdown of each monthly payment
showing how much comprises capital, interest
and (if applicable) other charges.
Signature(s) of Borrower(s):
Date(s) of signature(s):
Signing Instructions
We enclose two copies of this Agreement. Please sign
one copy and return it to us at Insurance Services,
Unit 25 Tresham Road, Orton Southgate,
Peterborough, PE2 6BU and keep the other in a safe
place. After you have signed the Agreement, we will
send you a notice with various information, including
confirmation that the credit agreement has been made
(the "Notice").
Payments
1.
2.
3.
4.
You must make all payments due under this

Agreement in full and on time. Payments must
be made by Direct Debit.
All monthly payments shall remain payable
regardless of any claim under the Policy.
In the event of a cancellation of the Policy, you
must immediately repay the proportion of the
balance outstanding under this Agreement. We
will tell you in writing of the amount due.
We may vary your monthly payments at any time
to take account of any refund received on the
cancellation or any adjustment of the Policy, any
7.
8.
You were introduced to us by BISL.

BISL is solely responsible for arranging and
administering the Insurance Transaction on your
behalf. When you enter into an Insurance
Transaction, we will advance the amount being
financed under this Agreement to BISL.
9.
You authorise us to instruct BISL:
(i) to receive any sums advanced under this
Agreement on your behalf;
(ii) to cancel the Policy on your behalf following
one or more of the events set out in Clause
15;
(iii) in the event of the cancellation of the Policy,
howsoever affected, to remit to us any refund
or claim of premium, which we will credit to
the outstanding balance under this
Agreement; and
(iv) to remit to us any refunds of premium and/or
any claim payments otherwise payable under
the Policy, which we will credit to the
outstanding balance under this Agreement.
Your Withdrawal Rights

10.
You have the right to withdraw from this

Agreement without giving any reason. The
withdrawal reason period:
(i) begins on the day after you receive the
Notice; and
(ii) ends 14 calendar days later.
Please contact us if you want to withdraw. You
can call us on 0844 412 2153 or write to us at:
Insurance Services, Unit 25 Tresham Road,
Orton Southgate, Peterborough, PE2 6BU.
11. If you withdraw from this Agreement before any
insurance cover has come into force in respect of
the Policy no further payment need
be made by you, the Policy will not
12.
13.
be issued and a rebate will be made by us to you

of all sums then paid under this Agreement by
you.
If you withdraw from this Agreement whilst the
Policy is in force you must repay any credit
provided and any interest accrued on it from the
date the credit is advanced until the date it is
repaid. Such repayment should be paid to us
without delay and no later than 30 calendar days
after you give the withdrawal notice. To arrange
any necessary payment, please contact us on
0844 412 2153.
Interest will be calculated at the daily rate of
0.07.
purposes and as otherwise described in this

Agreement.
Complaints
20.
21.
Miscellaneous
22.
Claims
14.
If you make any claims under your Policy then

the outstanding amount under this Agreement
will become payable, subject to us providing you
with any necessary notices.
23.
Default
15.
If:
(i) you fail to make a monthly payment on the
date it is due to be paid;
(ii) any information provided by you, or on your
behalf in connection with this Agreement
and/or the Policy is incorrect;
(iii) for any reason we do not have a valid Direct
Debit instruction and you have failed to
cooperate with us to correct this;
(iv) you fail to observe or perform any material
provision contained in this Agreement and
you have failed to correct this within a
reasonable time of us requesting you to do
so; or
(v) for any reason the security constituted hereby
is or becomes unenforceable and you have
failed to cooperate with us to correct this, then
we will assume that you cannot or will not
comply with the terms and conditions of this
Agreement, and we will be entitled, on or after
the date specified in any notice required by
the Act to be served on you, to end this
Agreement and/or demand repayment of the
balance outstanding under this Agreement
and all charges and arrears due (if any) less
any rebate to which you may be entitled
under the Act.
If you have a complaint about our service which

we cannot resolve, you have a right to ask the
Financial Ombudsman Service to consider the
complaint.
Financial Conduct Authority of 25 The
Colonnade, Canary Wharf, London E14 5HS is
the supervisory authority under the Act.
24.
We will not be taken to have waived our rights

under this Agreement if we decide for any reason
not to exercise, or delay in exercising, any of
those rights or we exercise any of those rights
only partially.
Any notice of communication given to you under
this Agreement will be sent by post or, where
permitted, by email. Notice given by post shall be
deemed correctly served if sent by post to your
last known address and shall be deemed to have
been given two days after it was sent by ordinary
post. Notice given by email shall be deemed
correctly served if sent to the email address you
gave us and shall be deemed to have been
delivered when sent. We will communicate with
you in English for the duration of this Agreement.
This Agreement is governed by the law of
England and Wales and is subject to the
exclusive jurisdiction of the English courts.
In addition, we will request that the Insurance

Transaction is cancelled. Any rebate of the
premium from that cancellation will be used
by us towards repayment of the balance
outstanding under this Agreement.
Transfer
16.
17.
18.
We may assign our rights under this Agreement

to another person. We may also transfer our
responsibility under this Agreement to another
person. This will not take away any of your rights
or responsibilities under this Agreement.
You may not transfer any of your rights or
responsibilities under this Agreement to another
person.
References in this Agreement to "we", "us" and
"our" refer to BFSL Limited and any persons to
whom our rights have been assigned or to whom
our rights and responsibilities under this
Agreement have passed by assignment or
transfer.
Your Information
19.
You agree we may give information about you

and your payment record under this Agreement
to (i) credit reference agencies; (ii) debt
collecting agents; (iii) any third party servicing
company we use to administer this Agreement;
(iv) any actual or proposed transferee or
assignee of this Agreement or party providing
funding in connection with this Agreement or any
other agreement between us, their insurers and
advisers; and (v) any other party with whom we
consider entering into a contractual arrangement
in relation to this Agreement or any other
agreement with you. In the event of any potential
or actual assignment, transfer, assumption or
securitisation of our rights and/or obligations
under this Agreement or any other agreement
with you, or any other transfer, assumption or
disposal of such rights and/or obligations, we
may pass any information to any interested
person who may use the information for such
10
Automatic renewal
To ensure you continue to be insured after renewal, we reserve the right
to automatically renew your insurance and any additional products you
currently have the benefit of. We will write to you before the end of the
policy with our new offer, explaining what you need to do. Once the
policy has renewed we will take payment from account ending ****1366
unless you provide alternative payment details. If you do not want us to
automatically renew your policy, you should let us know by contacting
our Customer Services Team on 0844 412 2153.
available from the FSCS website; www.fscs.org.uk, or write to Financial

Services Compensation Scheme,10th floor, Beaufort House, 15 St
Botolph Street, London, EC3A 7QU.
Who regulates us
BISL Limited is authorised and regulated by the Financial Conduct Authority
(FCA). Our registered number is 308896.
Our permitted business is arranging general insurance contracts which you
can check on the Financial Services register by visiting the website
www.fca.org.uk or by contacting the FCA on 0800 111 6768.
Our fees and charges

We will charge you for the administration and cancellation of your policy
and the fees and charges are set out below.
Administration fee
All amendments to this policy are subject to a 20 administration fee. We
have provided you with a list of examples of the things that we need to
know about in Section B, Important Information, of your Home Insurance
Policy Wording.
Failed payment fee
If you fail to make a payment we will charge you a fee of 20.
Cancellation fee
If either you or we cancel within 14 days of receiving your policy
documentation we will charge you an arrangement fee of 25 plus the
cost for the amount of time you have been covered unless you have
made a total loss claim in which case no refund will be given and all
premiums would be due.
If either you or we cancel more than 14 days after receiving your policy
documentation we will charge you a fee of 35 plus the cost for the
amount of time you have been covered. This is providing no claims have
been made. If a claim has been made, or there has been an incident
which may lead to a claim, no refund will be given and all premiums
would be due.
If you cancel the additional products taken out with this policy, but not
the main policy, you will pay for time on cover only. If you cancel the
main policy then any additional products taken out will also be cancelled.
You cannot cancel Home Assistance, if you do so, the whole policy will
be cancelled.
We have provided you with information on how to cancel your policy in
the cancellation section of your Home Insurance Policy Wording. This
clearly sets out our approach to providing you with a refund of premium
for your time on cover. We will pay any refund due to the bank account
or credit/debit card we hold on file.
Transaction fee
In the event that any payments due on your policy are not paid, it may be
necessary for us to instruct agents to recover this amount.
Please note that where it is necessary for agents to recover any amount
owing under your policy a transaction fee of 0.85 will be applied to each
payment made to the agents by credit or debit card.
Claims
Should you wish to make a claim under your home insurance policy you
should call the Claims Helpline on 0844 412 2152. You must not settle,
reject, negotiate or agree to pay any claim without our written
permission. Full details of how to claim are included in the policy
wording. Should you wish to make a claim under one of the optional
policies please see the claims section in the relevant policy terms &
conditions.
Compensation
We are covered by the Financial Services Compensation Scheme
(FSCS). You may be entitled to compensation from the scheme if we
cannot meet our obligations. This depends on the type of business and
the circumstances of the claim. Insurance advising and arranging is
covered for 90% of the claim, without any upper limit.
Further information about compensation scheme arrangements is
11
12
Policy Number: 123625716-01
Date of issue: 29 November 2014
Important Information: Please read the following information carefully as it forms the basis of your contract with your insurer. Please contact us
immediately on 0844 412 2153 should any of the information be incorrect or missing. We will advise you of any change to your premium or to the
terms your insurer requires and send you new documents. Failure to disclose correct and complete information to the best of your knowledge
and belief may result in increased premiums, refusal of a claim or not being fully paid, your policy being cancelled or being made null & void and
treated as if it never existed.
You should keep a record of all information that you supply us.
You need to tell us if there are any changes in your circumstances during the period of insurance that may affect your policy, further details can
be found in the Important Information section of your policy wording.
This is your copy. Please keep it in a safe place together with all your policy documents.
About you
Name:
Mr M Jawed
Date of Birth:
05/03/1962
Marital Status:
married
Occupation:
baker
has continuously held buildings insurance for the last 5 or more years at any address
has continuously held contents insurance for the last 5 or more years at any address
Address of Property Insured

8 Priory Avenue
London, London
E17 7QP
About the Property

Type of Property:
4 bedroom mid terraced house built in 1930

the property has no preservation order, nor is it listed
Ownership:
owned - not let
Occupancy:
your permanent home that is not used for trade or professional purposes
no business visitors come to the property
all members of the household are relatives of you or the second policyholder
your property is usually occupied during the day between 9am and 5pm
your property is not left unoccupied for more than 45 days in a row
Construction:
brick or stone walls with a slate or tile roof - more than half of the roof area of your property is flat
Security:
main door - multi point locking system (UPVC or aluminium)

sliding doors - no external sliding doors or french windows
all accessible windows of the property are protected by key operated locks
other external doors - multi point locking system (UPVC or aluminium)
Other security:
the property doesn't have a burglar alarm

the property is not in a neighbourhood watch area
you don't have a fixed and lockable safe installed
General information:
the property is maintained in a good state of repair

subsidence, ground heave, or landslip have never affected the property
the walls don't show signs of cracking or bulging
the property has never been underpinned or provided with any other structural support
the property is situated beyond 400 metres of any watercourse such as a river
no member of the household has had home insurance declined, cancelled or special terms applied in the last 5 years
you have not been declared bankrupt
no member of the household has been convicted of any crime.
13
About claims, incidents and losses (whether insured or not) in the last five years:
No previous claims disclosed
14
Buili
Important: This schedule replaces all previous schedules and should be read in conjunction with your Home Insurance
Policy Wording and the Statement of Insurance. It is an important document and should be kept with your other policy
documents in a safe place.
Policyholder details:
Mr M Jawed
Policy Number: 123625716-01

Date of Issue: 29 November 2014
Address of Property Insured:

8 Priory Avenue
London, London
E17 7QP
Period of insurance from 00:01 on 01 December 2014 to 23:59 on 30 November 2015
Your demands and needs

Our policy is designed to meet the demands and needs of customers who wish to insure their home and property against the
risk that they have selected to cover, as well as any additional services chosen. We have not provided advice on whether the
policy is suitable for your needs or made any recommendations.
Your chosen level of cover as shown in the table below. The policy is underwritten by the single Insurer we deal with for
Home Insurance. The Insurer is shown in this section under 'Policy Underwritten by'.
Your additional products:
Home Assistance
We offer products from a single insurer or supplier for:
Family Legal Protection administered by ACM ULR Limited and underwritten by AmTrust Europe Limited
Home Assistance administered by ARAG plc and underwritten by Brit Syndicate at Lloyd's Authority
Excess
The amount you must pay towards each and every incident of loss or damage
Cover Details
Sections of the Home Insurance policy that apply: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14 & 15
Buildings
Limit of cover
Excess
Sum insured
up to 750,000
300
Subsidence
1000
Escape of water
350
Loss of rent/alternative accommodation
20% of buildings sum insured up to maximum of 15,000
300
Extended accidental damage
Included
300
Contents
Limit of cover
Excess
Sum insured
50,000
300
Escape of water
350
Alternative accommodation
10% of contents sum insured up to maximum of 7,000
300
Extended accidental damage
Included
300
High risk property total
9,000
300
High risk property single article limit
1,500
300
Personal Possessions
Limit of cover
Excess
Personal property sum insured
4,000
300
15
Single item limit
1,500
Policy underwritten by:
Registered address:
Legal & General Insurance Limited
1 Coleman Street
London
EC2R 5AA
300
Endorsements Applicable
Minimum Standard of Security
Applicable to section 6 contents and section 11 personal possessions in and away from the home of your policy.
The insurer will not provide any cover for theft or attempted theft and/or vandalism at your home unless the appropriate security
devices listed below are fitted and brought into operation;
a) When your home is left without any occupants, in which case the keys must be removed from the security devices and stored out
of sight.
b) When you go to bed at night, security devices on windows in rooms which are occupied do not need to be brought into operation.
Security devices listed below must be fitted to your home in the following places:
The last outside door to the place where you live which you normally leave by - Device 1 or 2 or 3 (If your home is a flat within
a block of flats or part of a house, your last outside door is the door to your flat which only you have control over. Any other
door which is not in your sole control is not your last outside door.)
Other single outside doors - Device 1 or 2 or 3 or 4
Sliding outside patio doors - Device 1 or 3 or 5 or 6 or 7
Double opening outside doors or windows (e.g. French doors or French windows) - Device 1 and 5, or 3
Doors inside garages which provide access into any part of your home - Device 1 or 2 or 3
Ground floor and basement opening windows or other openings - Device 3 or 8
Upper floor opening windows, skylights or other openings if they are easily reached from the ground without the use of a ladder
or by other means, for example, from roofs joining or next to your home, outbuildings, garages, walls or balconies - Device 3
or 8
Doors in outbuildings - Device 8
Garage doors designed for a motor vehicle - Device 8
Opening windows in outbuildings and garages - Device 8
All panes of glass in louvre windows must be securely bonded into their frames with an adhesive suitable for the purpose.
SECURITY DEVICES
1. A lock which can be locked by a key from both the inside and the outside.
2. A mortice deadlock or rim deadlock conforming to BS3621 or with a minimum of 5 levers.
3. A key operated multi-point locking system.
4. Two key operated security bolts (fitted top and bottom of each door) which operate horizontally and shoot into the door frame.
5. Two key operated security bolts (fitted top and bottom of each opening door) which operate vertically and shoot into the top and
bottom of the door frame.
6. Two key operated patio door locks (fitted top and bottom of each opening door) which operate horizontally and shoot through the
doors.
7. One key operated patio door lock plus an anti-lift device. An anti-lift device prevents the lifting of the sliding patio doors from their
frames.
8. At least one key operated locking device.
16
About this document

This document provides you with the basic details of your home insurance contract. Full details of the terms and conditions are contained in the
Home Insurance Policy Wording and Schedule of Insurance.
This summary relates to your home insurance policy effective from 01 December 2014. Your policy will run for 12 months.
The level of cover you have chosen including any excesses applicable is shown in the Schedule of Insurance.
The contract of insurance is made up of the following documents:
The Statement of Insurance; this shows the information that you give us, including information given on your behalf and verbal
information you give prior to the commencement of the policy;
The Home Policy Wording; this gives full details of the terms and conditions and all exclusions;
The Schedule of Insurance; this shows the period of insurance, the policy sections which apply, any excesses payable in the event of a
claim and the level of cover applicable.
Your insurer
The authorised insurer is: Legal & General Insurance Limited.
The Insurer is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. You
can check this on the register by visiting the FCA's website www.fca.org.uk or Tel 0800 111 6768. The Insurers registered number is 202050.
Financial Services Compensation Scheme

If the insurer cannot meet its liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme.
Any claims made to the Financial Services Compensation Scheme for any unused premium, are covered up to 90% of the value of the claim
submitted. You can get more information from the Financial Services Compensation Scheme at www.fscs.org.uk or by calling 020 7741 4100.
Significant features and limitations of your policy

The summary below shows the significant features and limitations of this policy and is dependent on the level of cover shown in your Schedule of
Insurance.
Buildings Insurance
Features and Benefits
Your home and your outbuildings are
protected from many causes, including but
not limited to:
Fire, smoke, subsidence, malicious
damage, storm or flood, escape of water,
theft and other causes
Covers accidental damage to underground
pipes or cables, fixed glass and sanitary
ware
Loss of rent and alternative accommodation
when your home is made uninhabitable
Tracing and accessing leaks inside the
home
Theft or loss of keys
Significant Exclusions or Limitations

Buildings Cover
Storm or flood damage to fences, gates and hedges is not covered
In the event of a claim you will need to pay the applicable excess shown on
your Schedule of Insurance document
Policy Section
Section 1
Standard Accidental Damage

Cover is excluded when the home is unoccupied
Section 1
Extra Cover Provided as Standard

The limit shown on your Schedule of Insurance
Section 1
The most your insurer will pay is 5,000

Cover is restricted to damage caused whilst finding the source of the leak
The most your insurer will pay is 500
Your insurer will not pay where these items are insured elsewhere
Section 1
Section 1
Optional Buildings Cover

Provides extra protection for accidents to
the buildings
Extended Accidental Damage

Damage caused by lodgers, paying guests or tenants is excluded
Damage caused by faulty workmanship, defective design or materials is
excluded
Section 2
17
Contents Insurance
Your contents within the home are protected
from many causes, including but not limited
to:
Fire, smoke, subsidence, malicious
damage, theft, storm, lightning, flood,
escape of water and other causes
Accidental damage to satellite equipment

and other entertainment equipment
Alternative accommodation where your
home is made uninhabitable following loss
or damage to the contents
Contents temporarily removed from the
home
Contents in the open
Freezer cover
Fraudulent use of credit cards by

unauthorised persons
Additional cover for weddings, Christmas
and other religious festivals
Cost of replacing plants in the garden
Theft of money from your home

Contents Cover
Cover is not provided for malicious acts, theft or attempted theft, escape of
water or oil where the home is unoccupied longer than the permitted period
of unoccupancy
Theft cover is limited to 2,000 for contents stored in a garage or domestic
outbuildings
Cover for high risk items, in total or for single articles, is limited to the
amounts shown on your Schedule of Insurance
In the event of a claim, you will need to pay the applicable excess shown
on your Schedule of Insurance document
Standard Accidental Damage
Damage to laptop computers and other hand held devices is excluded
Damage caused by electrical or mechanical breakdown is excluded
Extra Cover Provided as Standard
Cover is limited to the amount shown on your Schedule of Insurance
Policy Section
Cover is limited to the amount shown on your Schedule of Insurance and

where the items are removed for no more than 90 days
Cover is also provided for students contents and this is restricted to 1,000
The most the insurer will pay is 1,000 per claim and 250 per single
article, except for pedal cycles where the limit is 350 per pedal cycle
No cover is given for money, high risk items, theft from an unattended
vehicle or pedal cycles not locked to a fixed point
The most your insurer will pay out is 500 per incident and 1,000 in any
period of insurance
Loss of or damage to food if the freezer cabinet or refrigerator is more than
10 years old
The most your insurer will pay out is 500
Losses need to be reported to the police within 24 hours of discovery
Contents sum insured is increased by 10% for one month before and after
the event
Cover is limited to 250 per claim and 1,000 in any period of insurance
The most your insurer will pay out is 500 per incident and 1,000 in any
period of insurance
Losses need to be reported to the police within 24 hours of discovery
No cover is given for theft from garages or outbuildings or for money held
for business purposes
Section 6

Extended Accidental Damage Cover
Damage caused by lodgers, paying guests or tenants is excluded
There is no cover where the home is unoccupied longer than the permitted
period of unoccupancy
Key items excluded include money and clothing
Personal Possessions In and Away from Home
Total cover is limited to the amount shown on your Schedule of Insurance
For single items the limit is 1,500 unless specified on your Schedule of
Insurance
In addition, there are limits of 350 for money, 350 for pedal cycles unless
specified and for 1,000 from any unattended vehicle
Cover is restricted to a maximum of 1,500 for a single article purchased
within 30 days of loss or damage
Policy Section
Section 6
Section 6
Section 6
Section 6
Section 6
Section 6
Section 6
Section 6
Section 6
Optional Contents Cover

Provides extra protection for accidents such
as paint spillage etc
Loss or damage to your personal property
Cover for new purchases
Section 7
Section 11
Section 11
General Conditions and Exclusions

No cover is provided for wear and tear, maintenance or anything that happens gradually
If you leave your home unoccupied for longer than the permitted period of unoccupancy, let it to anyone or use your home for trade,
professional or business purpose some covers will be restricted or will not apply
Your insurer will not pay the costs of replacing any undamaged or unbroken item or parts of items forming part of a set, suite or other article of
uniform nature, colour or design if damage occurs within a clearly identifiable area or to a specific part and it is not possible to match
replacements
Your insurer may pay only part of the claim if at the time of loss or damage the sum insured figure is less than the amount required to replace
your contents as new or rebuild your property
Excesses and Limits
Your policy will be subject to an excess which is the amount you must pay in the event of a claim. Also certain limits may apply. These are
shown in your policy documents
18
Cancellation Rights
You may cancel this policy at any time by contacting Customer Services on the number shown in your main policy documents. If you cancel within
14 days of receiving your policy documentation you will have to pay an arrangement fee and for time on cover, unless you have made a total loss
claim, in which case all outstanding payments will become due and no refund will be given. Outside of this 14 day period you will have to pay a
cancellation fee and for time on cover, unless any incident has occurred which has led to a claim or may yet lead to a claim against this policy, in
which case all outstanding payments will become due and no refund will be given. For further details on any cancellation fees and refunds due
please read the 'Cancelling this insurance' and 'Payment Details' sections within the home insurance policy.
Claims
Should you wish to make a claim under your home insurance policy you should call the Claims Helpline on 0844 412 2152. You must not settle,
reject, negotiate or agree to pay any claim without our written permission. Full details of how to claim are included in the policy wording. Should
you wish to make a claim under one of the optional policies please see the claims section in the relevant policy terms & conditions.
Complaints
If you wish to register a complaint, please contact us:
...Telephone 0844 412 2153
...Write to The Customer Relations Manager, Bradford & Bingley Home Insurance, Fusion House, Bretton Way, Peterborough, PE3 8BG
If we cannot settle your complaint or you are not happy with the final response, you may be entitled to refer it to the Financial Ombudsman
Service. For full details of our complaints handling process please see Section E 'Complaints Procedure' in your main policy wording.
Authorisation
BISL Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our registered number is 308896.
Our permitted business is arranging general insurance contracts which you can check on the Financial Services register by visiting the website
19
20
About this document

This document provides you with the basic details of your additional benefits you have purchased with your home insurance policy. Full details of
the terms and conditions are contained in the relevant policy wording for each product.
This summary relates to home insurance policies effective from 01 December 2014. Your policy will run for 12 months.
Family Legal Protection - administered by ACM ULR Limited and underwritten by AmTrust Europe Limited
Significant features and limitations of this policy
The summary below shows the significant features and limitations of this policy.
Policy section
Significant Features or Limitations
Family Legal Protection terms & conditions
Cover is limited to 50,000.

Any claim must be reported within 90 days.
All claims are subject to a 100 excess.
Claims relating to residential disputes can only be made 180 days after the start date of your policy.
Home Assistance administered by ARAG plc - underwritten by Brit Syndicate at Lloyd's Authority
Significant features and limitations of this policy
The summary below shows the significant features and limitations of this policy.
Policy section
Home Assistance terms & conditions
Significant Features or Limitations

Cover is limited to 1,000 for all claims made for the duration of the policy. (Includes call out
charge and/or 2 hours labour, and/or parts and materials up to a maximum of 100, and/or
alternative accommodation costs up to a maximum of 250, inclusive of VAT).
Cover only includes emergencies affecting plumbing and drainage, breakdown of main heating
system, loss of domestic supply of water, gas or electricity, breakage or failure of your sole toilet
unit, home security and vermin infestation.
You always agree to use the Contractor nominated by us and the claim must be reported to us
immediately after you first become aware of circumstances which could give rise to a claim under
this policy.
You are not covered for any claim relating to the central heating boiler which is more than 15 years
old and/or has not been subject to an annual service.
Cancellation Rights
You must contact us in order to cancel any of your additional benefits.
Cancelling your policy within the first 14 days
Any additional benefits you may have purchased can be cancelled within 14 days of receiving your policy documents. We, on receipt of this
confirmation, will refund a percentage of the premium in proportion to the period of cover left unused, unless you have made a total loss claim in
which case no refund will be given and all premiums would be due.
Cancelling your policy after the first 14 days
After the 14-day period, you may cancel any additional benefits which you may have purchased during the life of the policy (apart from Home
Emergency Assistance) and we will refund a percentage of the premium in proportion to the period of cover left unused.
Claims
Should you wish to make a claim under one of your optional policies, please see the claims section in the relevant policy terms and conditions.
Complaints
If you wish to register a complaint, please contact us:
...Telephone 0844 412 2153
...Write to The Customer Relations Manager, Bradford & Bingley Home Insurance, Fusion House, Bretton Way, Peterborough, PE3 8BG.
If we cannot resolve your complaint, you may refer your complaint to the Financial Ombudsman Service within six months of receiving our final
response letter.
Authorisation
BISL Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our registered number is 308896.
Our permitted business is arranging general insurance contracts which you can check on the Financial Services register by visiting the website
Financial Services Compensation Scheme

If the insurer cannot meet its liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme.
Any claims made to the Financial Services Compensation Scheme for any unused premium, are covered up to 90% of the value of the claim
submitted. You can get more information from the Financial Services Compensation Scheme at www.fscs.org.uk or by calling 020 7741 4100.
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Bradford & Bingley Home Insurance

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Definitions ................................................................................................ Section A

Important Information .......................................................................... Section B
Contract of Insurance .......................................................................... Section C
Buildings Insurance
Section 1
Buildings Insurance Extended Accidental Damage
Section 2
Claims Settlement for Sections 1 and 2
Section 3
Property Owners Liability to Third Parties
Section 4
Claims Settlement for Section 4
Section 5
Contents Insurance
Section 6
Contents Insurance Extended Accidental Damage
Section 7
Claims Settlement for Sections 6 and 7
Section 8
Occupiers Liability to Third Parties
Section 9
Section 10
Personal Possessions
Section 11
General Exceptions applying to Section 11
Section 12
Section 13
General Exceptions
Section 14
General Conditions
Section 15
Cancellation ............................................................................................ Section D

Complaints Procedure ........................................................................ Section E
Data Protection Notice ........................................................................ Section F
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A Definitions
Certain words appearing in your Policy wording, Schedule of Insurance or Statement of Insurance have been defined and they will have the
same meaning wherever they are shown in bold.
Word or Expression
Definition
Accidental Breakage
Sudden, unintentional and unexpected physical breakage caused by an identifiable external means.
Accidental Damage
Sudden, unintentional and unexpected physical damage caused by an identifiable external means.
Buildings
Your home, and its permanent fixtures and fittings including:

i)
tennis courts, paved terraces, paths, drives, walls, fences, gates and hedges;
ii)
permanently installed:
a) swimming pools;
b) hot tubs;
iii)
permanently connected:
a) drains, pipes and cables;
b) service tanks and central heating oil tanks;
c) professionally installed wind turbines, solar panels and source heating pumps attached to your
home;
iv)
wooden, laminate and vinyl floor coverings;
all sited within the boundaries of the land belonging to your home.
Business Equipment
Portable computers, computers and their accessories, computer aided design equipment, facsimile
machines, photocopiers, typewriters, telecommunication equipment and office furniture which are used for
business purposes, but not including any contents held as trade stock.
Computer Virus
Any loss or damage to any property (including computers and loss or corruption of data) caused directly or
indirectly by an attack by electronic means including computer hacking or the introduction of any form of
software designed to have an undesirable or harmful effect.
Contents
Household goods including carpets, personal belongings and business equipment owned by you or for
which you are legally responsible in your home including:
i)
pedal cycles;
ii)
money;
iii)
tenants' permanent fixtures and fittings;
Credit Cards
Credit cards, debit cards, charge cards, cheque cards, pre-paid cards and cash dispenser cards all held
solely for private or domestic purposes.
Electronic Equipment
Any computer equipment, system or software.
Any product, equipment or machinery containing, connected to or operated by means of a data

processor chip.
Escape of Water
Water that has entered the boundaries of your property by the mains water supply and has, at some point on
its journey within your home, escaped from the pipe, tank or appliance that it was in and caused damage to
your home.
Excess
The amount you must pay towards each and every incident of loss or damage.
Heave
Upward movement of the ground beneath the buildings as a result of the soil expanding.
High Risk Property
Articles of jewellery, pearls, gemstones, gold, silver and precious metal.
Pictures and works of art.
Any rare or unusual article that is collectable.
Stamp, coin and medal collections.
TVs, portable computers and computers.
Software stored on any computer, entertainment, audio or video equipment.
Furs, clocks and watches.
Home
The private dwelling, garage and outbuildings at the address stated on your Schedule of Insurance.
Insurer(s)
The insurance company or Lloyds syndicate which covers you and whose name is shown in the Schedule
of Insurance acting either directly or through its appointed agent BISL Limited and on whose behalf this
document is issued.
Landslip
Downward movement of sloping ground.
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Word or Expression
Definition
Money
Current legal tender, cheques, postal and money orders, postage stamps not forming part of a stamp
collection, saving stamps and savings certificates, luncheon vouchers, travellers' cheques, travel tickets,
premium bonds and gift tokens all held solely for private or domestic purposes.
Outbuildings
Sheds, greenhouses, summer houses, other buildings (but not caravans, mobile homes or motor homes)
which do not form part of the main building of the home and are used for domestic purposes.
Pair or Set
Articles which complement one another or are used together.
Period of Insurance
The period of insurance stated on your Schedule of Insurance.
Unoccupied
Means when either:

i)
the home will not be lived in or;
ii)
there is not enough furniture within the home for normal living purposes.
Permitted Period of
Unoccupancy
The maximum period permitted under your policy during which the home may be unoccupied, as stated in
your Statement of Insurance.
Personal Property
Clothing, personal belongings and high risk property that you normally wear or carry with you but
excluding:
Money, credit cards, securities and documents.
Goods you use as part of your business or trade.
Household goods and domestic appliances.
Plants
Flowers, plants, shrubs or trees all in pots or containers.
Policy
These terms and conditions, your Schedule of Insurance and any applicable endorsements and
amendment notices that may apply.
Policyholder
The person(s) named on your Schedule of Insurance.
Sanitaryware
Wash basins and pedestals, sinks, bidets, lavatory pans and cisterns, shower trays, shower screens, baths
and bath panels but not including swimming pools or hot tubs.
Schedule of Insurance
A schedule showing details of the cover which applies under your policy.
Settlement
Downward movement as a result of the soil being compressed by the weight of the buildings within ten
years of construction.
Statement of Insurance
A statement of the information supplied by you on which your policy is based.
Subsidence
Downward movement of the ground beneath the buildings other than by settlement.
Us, We or Our
BISL Limited.
You or Your
The policyholder and any member of the policyholders family permanently residing at your home.
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B Important Information
Your policy is based on the details you gave us and forms the basis of
your contract with your insurer.
You must tell us straight away if anything changes to the information
you provided as per the statement of insurance. The changes include
the following and if you do not tell us about these changes, this may
result in increased premiums, refusal of a claim or not being fully paid,
your policy being cancelled or being made null and void and treated as
if it never existed.
This list is not exhaustive and if you are unsure about whether to tell us
about something then please call us on to check:
If you change your postal address or the address of the property
insured.
If you modify or change the building in any way for example, an
extension or conservatory.
If you wish to change a sum insured.
If anybody named on the policy changes occupation, or starts a new
job (including any part-time work) or stops work.
If you intend to use the property for any business purposes (other
than clerical business use) or business visitors are likely to regularly
visit the home.
If the home is going to be left unoccupied for longer than the
permitted period of unoccupancy.
If there is a change in the usage of the home for example, holiday or
second home or if any part of the property is let out.
Any amount of cover that is greater than you asked for at the time of
your quote represents the minimum level of cover offered by your
insurer, at no additional cost.
Please note that any amendments to your policy may result in a change
to your premium and policy terms, including your excess.
C Contract of Insurance
This document gives details of your cover and it should be read along
with your Statement of Insurance and Schedule of Insurance.
Please take time to read through these documents which contain
important information about the details you have given. You should also
show your policy to anyone else who is covered under it.
For this contract to be valid, it's important that you check the information
you have provided and notify us immediately of any changes to these
details. Failure to disclose correct and complete information to the best
of your knowledge and belief may result in increased premiums, refusal
of a claim or not being fully paid, your policy being cancelled or being
made null and void and treated as if it never existed.
In return for your premium, your insurer will provide the cover shown in
your policy during the period of insurance.
The parties to this contract are you and the insurer. Nothing in this
contract shall create any rights to third parties under the Contracts
(Rights of Third Parties) Act 1999, save as expressly set out in this
contract and no variation of this contract, nor any supplemental or
ancillary agreement, shall create any such rights unless expressly so
stated. This does not affect any right or remedy of a third party which
exists or is available apart from this Act.
The law applicable to this policy
The laws of England and Wales are applicable to this policy unless:
1. At the beginning of the period of insurance you are resident in
another country in the United Kingdom or the Channel islands or the
Isle of Man, in which case laws applicable to your place or residence
shall apply; or
2. You and the insurer agree otherwise.
We will provide the terms and conditions of this policy for the period of
insurance and any subsequent communication between us and you,
whether verbal or written, in the English Language.
1 Buildings Insurance
Please note that this section only applies if it is shown on your
Schedule of Insurance.
Your insurer will not pay for:

The excess in respect of each and every incident of loss or damage as
set out in the Schedule of Insurance.
The buildings are insured against loss or damage caused by:
1. Fire, smoke, explosion, lightning or earthquake.
2. Riot, civil commotion, strikes, political or labour disturbances.
3. Malicious acts or vandalism.
Loss or damage occurring during any period when the home is
unoccupied for longer than the permitted period of unoccupancy.
Loss or damage caused by you, your domestic employees, lodgers,
paying guests or tenants.
4. Storm or flood.
Loss or damage caused by frost;
Loss or damage to fences, gates and hedges;
Loss or damage caused by a gradual rise in the ground water level;
Loss or damage caused by subsidence, heave or landslip
(subsidence or heave of the site on which the buildings stand or
landslip caused by storm or flood would be insured under paragraph
5 and subject to the exceptions and excess applicable to that
paragraph).
5. Subsidence or heave of the site on which the buildings stand or
landslip.
Your insurer will not pay for loss or damage:
i) To swimming pools, hot tubs, tennis courts, service tanks, central
heating oil tanks, ground source heating pumps, terraces, paths,
drives, walls, fences, gates and hedges unless your home is
damaged by the same cause and at the same time;
ii) Caused by the compaction of infill;
iii) Occurring while the buildings are undergoing demolition, structural
alterations or structural repairs;
iv) Caused by settlement;
v) Caused by river or coastal erosion;
vi) Arising from poor design, defective materials, or faulty workmanship;
vii) Arising from movement of solid floors, unless the foundations
beneath the exterior walls of your home are damaged by the same
cause and at the same time.
6. Theft or attempted theft.
paying guests or tenants unless force and/or violence is used to gain
entry to or exit from your home;
7. Escape of water.
unoccupied for longer than the permitted period of unoccupancy;
Loss or damage caused by water overflowing from wash basins,
sinks, bidets, showers, and baths as a result of taps being left on (if it
is extended accidental damage and you have cover under section 2
extended accidental damage, this would be insured subject to the
exceptions applicable to that section);
Loss or damage caused by the failure, or lack of grout and/or sealant;
Loss or damage to property that happens gradually over a period of
time, such as corrosion or rusting, sulphate reacting with any material
from which the property is built.
8. Collision with any aircraft or other aerial device (or anything dropped
from them) or with any vehicle or animal.
9. Leakage of oil from any fixed oil fired heating installation.
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10.Falling trees and branches.
Loss or damage to trees and/or branches;
Loss or damage to fences, hedges or gates;
The cost of the removal of the tree or branch unless damage has
been caused to the buildings by its fall;
Damage caused by trees being felled or cut-back.
11.Falling television, satellite broadcast and radio receiving aerials,
aerial fittings or masts.
Loss or damage to the aerial, mast or satellite dish.
12.Accidental damage to underground pipes or cables within the
boundaries of your home.
Loss or damage for which you are not legally responsible;
Damage to any part of the pipe or cable above ground level;
Damage caused whilst clearing a blockage.
13.Accidental breakage of:
i) Fixed glass including ceramic hobs and solar panels forming part of
the buildings; and
ii) Fixed sanitaryware forming part of the buildings.
Breakage occurring during any period when the home is
14.Frost damage to any plumbed in domestic water or heating
installation.
Your insurer also provides cover for:
A. Loss of rent and alternative accommodation for you during the period
your home is made uninhabitable by any cause insured under this
section. Your insurer will pay up to the limit shown in your
Schedule of Insurance for:
i) Rent that is no longer due to you;
ii) Any ground rent which continues to be payable by you;
iii) The cost of comparable alternative accommodation if you are the
occupier.
Loss of rent or alternative accommodation costs where the home has
been made uninhabitable through damage caused by you, your
domestic employees, lodgers, paying guests or any tenant.
B. The period between exchange of contracts and completion for the
sale and purchase of the home shown on your Schedule of
Insurance.
i) You will be entitled to the benefit of the cover provided by paragraphs
1 to 14 of section 1 of this policy between exchange of contracts and
completion of the purchase provided that:
A. The period of insurance commences on or before completion of
the purchase of the buildings;
B. Your insurer received and accepted your application for
insurance cover on the buildings prior to the date of the loss or
damage.
ii) If you contract to sell the buildings, the purchaser will be entitled to
the benefit of the cover provided by section 1 of this policy between

exchange of contracts and completion of the sale provided that:
A. The purchaser completes the purchase;
B. The buildings are not otherwise insured.
i) Loss or damage:
That would be insured under any other contract of insurance in the
absence of this policy;
That the seller is responsible for making good;
Occurring while the buildings are in the course of construction or
undergoing demolition, structural alterations or structural repairs
unless otherwise agreed by the insurer;
Occurring while the property is not fit for normal living purposes;
Occurring more than 90 days prior to completion of the purchase of
the buildings.
C. Additional costs.
If the following costs are incurred with the consent of your insurer in
making good the insured loss or damage, your insurer will pay for:
i) Architects', surveyors', consulting engineers' and legal fees;
ii) The cost of clearing the site and making safe the damaged parts of
the buildings;
iii) Costs incurred solely because of the need to comply with any
statutory requirement or local authority by-law;
iv) The cost of making good damage to landscaped gardens caused by
Fire Brigade equipment and personnel in the course of combating
fire.
Fees incurred in the preparation of a claim;
The cost of stabilising the site;
The cost of removing trees other than as is necessary to enable
repairs to be carried out;
Costs arising from a notice served prior to the date of the loss or
damage.
D. Tracing and accessing leaks inside the home.
The insurance provided by paragraphs 7 and 9 of section 1 also covers
the reasonable costs involved in tracing the source of the escape of
water or leakage of oil and replacement or repair of any walls, floors or
ceilings (including fixtures and fittings attached to them), inside the
home where this damage occurs in the course of these investigations.
The most the insurer will pay is 5,000.
The costs of repair of the source of the damage unless the cause is
covered elsewhere in this policy.
E. Emergency access.
Your insurer will pay for damage to the buildings caused by fire,
ambulance or police services if they have to make a forced entry to your
home as a result of an emergency. The most the insurer will pay is
1,000.
F. Theft or Loss of keys.
If your keys are lost or stolen your insurer will pay up to 500 for the
replacement and installation of door locks for any external door of your
home.
Loss or damage that is otherwise insured.
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the cover was cancelled, provided no other policy of insurance covers

that liability.
2 Buildings Extended Accidental Damage

The buildings are insured against damage caused by:
1. Accidental damage.
The excess in respect of each and every incident of loss or damage
as set out in the Schedule of Insurance;
The cost of maintenance and routine redecoration;
Damage caused by settlement, shrinkage or expansion of the
buildings or the site;
Damage caused by wear and tear, depreciation, rot, fungus, insects,
vermin, atmospheric or climatic conditions or other damage that
happens gradually over a period of time;
Damage caused by chewing, scratching, tearing or fouling by
domestic pets;
Damage caused by faulty workmanship, defective design, or the use
of defective materials;
Damage occurring while the buildings are undergoing demolition,
structural alterations or structural repairs;
Damage occurring when the home is unoccupied;
Damage caused by your lodgers, paying guests or tenants;
Any damage specifically excluded in section 1.
3 Claims Settlement for Sections 1 and 2

If the buildings are damaged as a result of any of the causes insured
under your policy:
1. Your insurer will pay the cost incurred in respect of any necessary
replacement or repair work carried out to the buildings, provided
that, immediately prior to the incident giving rise to the damage, the
buildings are in good repair.
2. Your insurer will either make a deduction for wear and tear from the
cost incurred in respect of any necessary replacement or repair work
to the buildings or, at their option, pay the reduction in market value
resulting from the damage, where:
i) Replacement or repair is not carried out;
ii) Immediately prior to the incident giving rise to the damage, the
buildings are not in good repair.
3. The maximum amount your insurer will pay in relation to any one
claim for buildings (including additional costs) (see paragraph C of
section 1) is the buildings sum insured figure shown on your
Schedule of Insurance. Your insurer may pay only part of the claim
if at the time of loss or damage the buildings sum insured figure is
less than the amount required to rebuild the buildings as new.
The sum insured will not be reduced following payment of a claim,
provided that all replacement or repair work is completed and any
reasonable recommendations your insurer makes to prevent further
damage are carried out without delay.
4 Property Owners' Liability to Third Parties

Your insurer will cover you against liability at law for damages payable
in respect of:
Death or bodily injury (including disease and illness);
Loss of or damage to material property caused by an accident
occurring during the period of insurance and incurred by you:
i) As owner of the buildings;
ii) In respect of any buildings previously owned and occupied by
you for residential purposes and incurred as a result of section 3
of the Defective Premises Act 1972 or the Defective Premises
(Northern Ireland) Order 1975. Section 3 of the Defective
Premises Act 1972 provides that you are not relieved of any legal
responsibility arising from work done on any building owned by
you simply because you sold that building after the work was
done.
If this policy is cancelled when you sell your home, the cover provided
by paragraph ii) above will continue for seven years from the date that
Your insurer will not pay for liability arising from:

Death of or bodily injury (including disease and illness) to you or any
domestic employees or persons carrying out paid work at your home
or buildings;
Loss of or damage to material property belonging to you or under
your charge or control;
Your business or profession, except for the letting of the buildings or
any part thereof for private residential purposes;
Accidents for which you may be responsible as occupier of the
buildings;
The use or possession of lifts or mechanically propelled vehicles;
A contractual obligation.
5 Claims Settlement for Section 4

The maximum amount your insurer will pay for any one claim or
number of claims arising out of any one incident is:
2,000,000 (including costs and expenses agreed by us in writing)
for any one claim or series of claims arising from any one event or
one source or original cause; and
All legal costs and expenses that you have to pay, provided they are
incurred with your insurers written consent.
If you die, your insurer will cover your personal representatives for any
liability incurred by you and insured by this policy.
6 Contents Insurance
Loss or damage to vehicles and other means of transport that are
mechanically propelled or assisted, whether licensed for road use or
not, or their parts or accessories (other than domestic gardening
equipment, mobility carriages, electric wheelchairs and electrically
assisted pedal cycles that are not required to be licensed if used on a
public road);
Loss or damage to caravans, trailers, horseboxes, aircraft, hovercraft,
windsurfing sailboards, boats or other equipment designed for use in
or on water;
Loss or damage to livestock or pets;
Loss or damage to landlord's fixtures and fittings;
Loss or damage to contents held or used for business purposes
other than business equipment;
Loss or damage to any part of the buildings.
The contents are insured against loss or damage caused by:
1. Fire, smoke, explosion, lightning or earthquake.
2. Riot, civil commotion, strikes or labour disturbances.
3. Malicious acts or vandalism.
paying guests or tenants;
Loss or damage caused by a computer virus.
4. Storm or flood.
Loss or damage caused by a gradual rise in the ground water level.
5. Subsidence or heave of the site on which your home stands or
landslip.
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Loss or damage caused by;
i) Compaction of infill;
ii) Settlement, shrinkage or expansion;
iii) River or coastal erosion.
Loss or damage arising from defective design, defective materials or
faulty workmanship;
Loss or damage occurring while your home is undergoing
demolition, structural alterations or structural repairs.
Electrical or mechanical breakdown;

Damage caused in the process of cleaning, maintenance, repair or
dismantling;
Damage to records, cassettes, discs or other data storage devices;
Damage to laptop computers, items intended to be portable or to
hand held computer equipment and games.

13.Accidental breakage of mirrors and fixed glass tops in furniture and
ceramic tops in free-standing cookers.

6. Theft or attempted theft.

A. Alternative accommodation.
During the period your home is made uninhabitable following loss or
damage to the contents by any cause insured under this section, your
Money, unless force and/or violence is used to gain entry to your
insurer will pay for the cost of comparable alternative accommodation
home;
for you. The insurer will pay up to the figure shown in your Schedule
Any amount more than 2,000 where theft takes place from a garage
of Insurance for contents alternative accommodation. Rent and other
or an outbuilding;
costs and expenses which you would have paid but for the damage will
Any loss or damage if your home or any part of it is let or lent, unless be deducted from any payment made.
force and/or violence is used to gain entry to or exit from your home;
B. Loss or damage to contents during household removal by
unoccupied for longer than the permitted period of unoccupancy; professional removal contractors.
Loss or damage caused by you, your domestic employees, lodgers, The contents are insured against accidental loss or damage while in
transit between your home and your new permanent residence within
paying guests or tenants.
Great Britain, Northern Ireland, the Isle of Man or the Channel Islands by
professional removal contractors. Your insurer will also cover the
7. Escape of water from any washing machine, dishwasher or plumbed contents whilst in temporary storage by professional removal
in domestic water or heating installation.
contractors for up to three days.
Loss or damage caused by water overflowing from wash basins,
sinks, bidets, showers, and baths as a result of taps being left on (if it
is accidental damage and you have cover under Section 7, this
would be insured subject to the exceptions applicable to that
paragraph);
Loss or damage caused by the failure, or lack of, grout and/or
sealant.
8. Collision with any aircraft or other aerial device (or anything dropped
from them) or with any vehicle or animal.
Loss or damage caused by domestic pets.
9. Leakage of oil from any fixed oil fired heating installation.
10.Falling trees and branches.
Loss or damage to trees and branches;
Damage caused by trees being felled or cut-back.
11. Falling television and radio receiving aerials, aerial fittings or masts.
This section also provides insurance against:
12.Accidental damage to satellite equipment, televisions and their
aerials, digital receivers, radios, computers and ancillary equipment, and
other audio and video equipment. The most the insurer will pay is
1,000.
Damage caused by a computer virus;
Wear and tear;

Loss or damage to china, crystal and brittle items unless packed by
professional removal contractors;
Loss of money.
C. Your liability as a tenant.
Your insurer will cover you up to the higher of 5,000 or 10% of the
contents sum insured figure shown on your Schedule of Insurance
against your legal liability as a tenant for:
i) Loss, damage or breakage to your home and to the landlord's
fixtures and fittings from any cause described in paragraphs 4, 6, 7,
9, 11, 12 and 13 of section 6 and paragraph 1 of section 7 (if shown
on your schedule of insurance) of this policy;
ii) Damage to internal decorations caused by fire or smoke.
D. Contents temporarily removed from your home for up to 90
consecutive days.
Provided that it is your intention to return the item to your home, then
the insurance provided by paragraphs 1 to 11 of Section 6 also covers
loss or damage to contents for up to the higher of 7,000 or 15% of the
contents sum insured figure shown on your Schedule of Insurance.
Any item that has never been in your home;
Any item that has been away from your home for more than 90
consecutive days at the time of the event that caused the loss or
damage;
Loss or damage that would be insured under any other policy in the
absence of this cover;
Loss or damage to contents which have been removed for sale,
exhibition or placed in a furniture storage facility.
i) Contents in any building in Great Britain, Northern Ireland, the Isle of
Man or the Channel Islands where you are living (other than while
attending full time education) or employed.
Theft of money unless force and/or violence is used to gain entry to
or exit from the building.
29

E. Contents temporarily removed from your home while attending full
time education.
Providing that it is your intention to return the items to your home, then
the insurance provided by paragraphs 1 to 11 of Section 6 also covers
loss or damage to contents in any building in Great Britain, Northern
Ireland, the Isle of Man or the Channel Islands where you are living
while attending full time education. The most that the insurer will pay is
1,000.
Your insurer will not pay for loss or damage:
To any item that has never been in your home;
That would be insured under any other policy of insurance in the
absence of this policy;
Due to theft unless force and/or violence is used to gain entry to or
exit from the building;
While the contents are being worn, moved or carried.

J. Credit cards.
Your insurer will pay up to 500 for loss from fraudulent use of your
credit cards by unauthorised persons.
Loss unless you have complied with the terms and conditions
applicable to your credit cards;
Losses where you did not report the loss of your credit cards to the
police and the card issuing company within 24 hours of discovering
the loss;
Losses that would be insured under any other contract of insurance
in the absence of this policy;
Any loss or claim due to accounting errors or omissions.
K. Oil and metered water.
F. Contents in the open.

The insurance provided by paragraphs 1 to 3 and 5 to 11 of Section 6
also covers loss or damage to contents outside the home but within the
boundaries of the land belonging to your home. The most that the
insurer will pay is 1,000 per claim and 250 per single article, pair or
set, except pedal cycles where the limit is 350 per pedal cycle.
Your insurer will pay up to 2,000 for loss of oil or metered water
following accidental damage to your domestic water or heating
installations.

Loss or damage caused by storm, flood or weight of snow;
Loss or damage to pedal cycles unless securely locked to a fixed
point within the boundaries of the land belonging to your home;
Theft of money;
Theft or attempted theft from any unattended vehicle;
Loss or damage to high risk property.

L. Weddings, Christmas and other religious festivals.
For one month before and one month after a wedding, Christmas or
other religious festival where the value of contents owned by you is
increased due to purchases related to the wedding or religious festival,
the contents sum insured recorded on your Schedule of Insurance is
increased by 10%.

G. Theft or Loss of keys.
If your keys are lost or stolen your insurer will pay up to 500 for the
replacement and installation of door locks for any external door of your
home.
M. New purchases.
The insurance provided by paragraphs 1 to 11 of Section 6 also covers
loss or damage to any personal property that you have not previously
told us about, up to a maximum of 1,500 occurring within 30 days of
purchase.
H. Personal assault.
Your insurer will pay you or your personal representatives 5,000 if
you die within 12 months as a direct result of injuries received:
In your home caused by criminal activity;
Due to robbery or theft or attempted theft involving violence (whether
attempted or otherwise) elsewhere in Great Britain, Northern Ireland,
the Isle of Man or the Channel Islands.

Loss or damage to articles for which you do not have proof of date of
purchase.
Your insurer will also pay up to a maximum of 100 for theft of money
from you due to robbery or theft involving violence occurring away from
your home.
Theft of money held or used for business purposes;
Injuries received in your home as a result of criminal activities
carried out by you and any guests you invite into your home
I. Freezer Contents.
Your insurer will pay up to 500 per claim with a maximum of 1,000
during the period of insurance for food in a freezer cabinet or freezer
compartment of a refrigerator at your home made unfit for human
consumption due to:
i) A rise or fall in temperature;
ii) Contamination by refrigerant or refrigerant fumes.
Your insurer will also pay for the reasonable cost of hiring temporary
alternative freezer space if the freezer cabinet or the freezer
compartment of the refrigerator in which the food is kept fails.
Loss of or damage to food if the freezer cabinet or refrigerator is
more than 10 years old;
Loss of or damage to food held or used for business purposes;
Loss or damage due to the power supply authority deliberately cutting
or reducing the supply to your home.

Loss occurring during any period when the home is unoccupied for
longer than the permitted period of unoccupancy.

N. Reinstatement of documents.
Your insurer will pay up to 2,500 for the cost of preparing new title
deeds to your home, bonds or securities if they are lost or damaged by
any cause described in paragraphs 1 to 11 of Section 6 and (if shown on
your Schedule of Insurance) paragraph 1 of Section 7 of this policy
while in your home or while kept in your bank, building society or
solicitor's office.
Negotiable bonds or securities.
O. Plants in the garden.
The insurance provided by paragraphs 1, 2, 3, 6 and 8 of Section 6 also
covers the loss of plants outside the buildings but within the
boundaries of your home up to a limit of 250 per single article and
1,000 in total during the period of insurance.
Loss or damage caused by weight of snow and frost.
P. Electronic Data Downloads.
Your insurer will pay up to 250 per claim with a maximum of 1,000
during the period of insurance for the cost of replacing electronic data
downloads following loss or damage to contents.
The cost of remaking or recreating a disc, tape or film;
Any data not commercially available at the time of loss;
Any data illegally downloaded;
Any data which is recoverable;
Any loss or damage specifically excluded in paragraphs 1 to 11 of
section 6 Contents.
30

Q. Money.
Theft of money belonging to you from your home if force and/or
violence is used to enter or exit your home. The most the insurer will
pay is 500 per incident and up to 1,000 in total during the period of
insurance.
Theft from garages or outbuildings;
Money held for business or professional purposes;
Losses not reported to the police within 24 hours of the discovery.
7 Contents Extended Accidental Damage

The contents are insured against damage caused by:
1. Accidental damage.
Damage caused by a computer virus;
Damage to clothing (including furs), money, plants, food and drink;
Damage caused by chewing, scratching, tearing or fouling by
domestic pets;
Damage caused by scratching, denting, wear and tear, depreciation,
rot, fungus, insects, vermin, atmospheric or climatic conditions, the
effect of light or other damage that happens gradually over a period
of time;
Damage caused by dyeing, process of cleaning or restoring,
maintenance, repair or dismantling, electrical or mechanical
breakdown;
The cost of remaking any film, tape or disc or the value of any
information contained on it;
Damage caused during household removal;
Damage occurring while your home is undergoing demolition,
structural alterations or structural repairs;
Damage caused by your lodgers, paying guests or tenants;
Accidental loss or mislaying or misfiling of documents or records;
Damage occurring during any period when the home is unoccupied
for longer than the permitted period of unoccupancy;
Any damage specifically excluded in paragraphs 1 to 11 of Section 6.
claim is:
i) For contents, the contents sum insured figure shown on your
Schedule of Insurance;
ii) For high risk property;
In total, the sum recorded against the high risk property
total limit on your Schedule of Insurance;
For a single article, pair or set, the sum recorded against
the high risk property single article limit on your
iii) 350 for any one pedal cycle in your home;
iv) 5,000 for tenants fixture and fittings;
v) 3,000 for business equipment.
Your insurer will not reduce the sum insured following a payment of a
claim, provided that all damage is made good without delay and any
reasonable recommendations your insurer makes to prevent further
loss or damage are carried out without delay.
9 Occupiers' Liability to Third Parties

Your insurer will cover you against liability at law for damages payable
in respect of:
Death or bodily injury (including disease and illness);
Loss of or damage to material property.
Caused by an accident occurring during the period of insurance
incurred by you and for which you are legally liable:
i) As occupier of;
Your home;
Land belonging to your home;
Any residential premises temporarily occupied for private
purposes for no more than 30 days in any one period of
insurance.
ii) As an employer of employees involved in domestic duties at your
home;
iii) As a private individual anywhere in the world but not as the occupier
or owner of any premises or land or as the employer of any domestic
employee.
Your insurer will not pay for liability arising from:

The transmission of any contagious disease by you;
Death of or bodily injury (including disease and illness) to you;
Loss of or damage to material property belonging to you or under
your charge or control;
Any incident arising out of the ownership, custody or control of any
horse, dog or pet if more specifically insured by any other policy (or
would be insured if this policy did not exist) except for any amount
over the limit they will pay (and for which payment has been agreed)
8 Claims Settlement for Sections 6 and 7
under that other insurance;
Death or bodily injury (including disease or illness) and loss or

If the contents are damaged as a result of any of the causes insured
damage to property arising out of ownership, custody or control by
under this policy:
you or on your behalf of a dog type specified in section 1 of the
1. Your insurer will at its option:
Dangerous Dogs Act 1991 (or designated for the purposes of that
i) Replace as new;
section by an order of the Secretary of State) or in the Dangerous
ii) Pay the cost to them of replacing as new;
Dogs (Northern Ireland) Order 1991;
iii) Repair; or
Death of or bodily injury to any employee arising out of:
iv) Pay the cost to them of repair;
i) Being carried in or upon a vehicle; or
Any item of contents (except for pedal cycles, household linen and
ii) Entering, getting on to or leaving a vehicle in circumstances where
clothing more than two years old see point 2 below), provided that the
any road traffic legislation requires insurance or security.
contents sum insured at the time of the loss is sufficient to replace
A contractual obligation;
all the contents of the home in as new condition. Your insurer may
The ownership, use or possession of:
pay only part of the claim if at the time of loss or damage the
i) Vehicles and other means of transport that are mechanically
contents sum insured figure is less than the amount required to
propelled or assisted whether licensed for road use or not (other
replace the contents as new.
than domestic gardening implements, mobility carriages, electric
wheelchairs and electrically assisted pedal cycles that are not
2. Your insurer will make a deduction for wear and tear from their cost
required to be licensed if used on a public road) used within the
for replacement or repair of clothing, household linen or pedal cycles
boundary of the land belonging to your home;
stolen or damaged if more than two years old.
3. The maximum amount your insurer will pay in respect of any one
31
ii) Aircraft, hovercraft, lifts (other than a stair lift) or watercraft (other
than hand-propelled watercraft);
iii) Any caravan or trailer while being towed.
The use of firearms other than sporting guns used for sporting
purposes;
The use of horses for racing, steeple chasing or hunting;
Loss or corruption of data directly or indirectly caused by the failure
or malfunction of electronic equipment belonging to you or under
your charge or control.

The maximum amount your insurer will pay for any one claim or
number of claims arising out of any one incident is:
2,000,000 (including costs and expenses agreed by us in writing)
for any one claim or series of claims arising from any one event or
one source or original cause; and
all legal costs and expenses that you have to pay, provided they are
incurred with your insurers written consent.
Employers' liability.
If the accident involves injury (including disease and illness) to a person
working for you as a domestic employee:
The maximum amount your insurer will pay is 5,000,000 in respect
of any one claim or number of claims arising out of any one incident.
The limit includes any claimants costs and expenses and all other
costs and expenses incurred with the insurers written consent.

Loss or damage listed under section 12 General Exceptions;
Loss due to depreciation in value, accounting errors or omissions;
Loss if not reported to the police within 24 hours of discovering the
loss.
Your insurer will pay for:
Item 3 - loss of or damage to your pedal cycles up to 350 for any one
pedal cycle (including electrically assisted pedal cycles that are not
required to be licensed if used on a public road).
Loss or damage if the pedal cycle is being used for racing, rallies,
pace making or trials;
Loss or damage to accessories or tyres unless the bicycle is stolen,
lost or damaged at the same time.
Item 4 - loss of or damage to specified personal property up to the
amount shown for each item on your Schedule of Insurance.
Loss or damage listed under section 12 General Exceptions.

New purchases.
The insurance provided by item 4 of this section also covers loss or
damage to any personal property that you have not previously told
your insurer about, up to a maximum of 1,500 occurring within 30
If you die, your insurer will cover your personal representatives against days of purchase.
liability incurred by you and insured by this policy.
Unsatisfied Court Awards where you have claimed against a Third
Party.
Loss or damage to articles for which you do not have proof of the
Your insurer will pay up to 1,000,000 in respect of damages and taxed
date of purchase.
costs awarded to your household by any court in the United Kingdom,
Isle of Man or the Channel Islands if this Section 10 (Occupiers Liability)
would have insured you had the award been made against you and
12 General Exceptions Applying to Section 11
payment has not been received within three months after the date of the
award but not:
a) If an appeal against a judgement is pending in whole or in part;
1. Damage caused by a computer virus.
b) If the incident giving rise to the claim occurs outside any period of
2. Loss or damage caused by:
insurance;
i) Chewing, scratching, tearing or fouling by your domestic pets;
c) Any award resulting from any wilful or malicious act.
ii) Scratching, denting, wear and tear, depreciation, rot, fungus,
If you die, this cover is transferred to your legal personal representative
insects, vermin, atmospheric or climatic conditions, the effect of
provided that the representative follows the terms and conditions of the
light, or other damage that happens gradually over a period of
policy as far as they possibly can.
time.
11 Personal Possessions
3. Loss or damage caused by dyeing, process of cleaning or restoring,

maintenance, repair or dismantling, electrical or mechanical
breakdown.

4. Loss of or damage to:

i) Personal property, money or pedal cycles held or used for
business purposes;
ii) Sports equipment while in course of play;
iii) Loss or damage to caravans, trailers, horseboxes, aircraft,
hovercraft, windsurfing sailboards, boats or any other equipment
Any amount over 1,000 in respect of loss from any unattended
designed for use in or on water;
vehicle;
iv) Remote controlled models while in operation;
Loss or damage to caravans, trailers, horseboxes, aircraft, hovercraft,
windsurfing sailboards, boats or other equipment designed for use in
v) Musical instruments involving only loss of tone, breakage of
or on water.
strings or breakage of drum skins;
5. Loss or damage caused by theft or attempted theft from any
unattended vehicle unless:
Item 1 - loss of or damage to your personal property up to the sum
i) All windows and sunroofs are securely closed and all doors and
insured shown under the personal possessions section on your
the boot are locked;
Schedule of Insurance. The maximum amount your insurer will pay
ii) Personal property is completely concealed within the vehicle in a
for one item, pair or set is 1,500.
glove compartment, locked luggage compartment or locked boot.
6. Loss or damage caused by theft or attempted theft of an unattended
pedal cycle unless at the time of loss or damage it was:
Loss or damage to possessions specifically insured under item 3 of
i) In a locked building;
this section.
ii) Attached by a security device to a permanently fixed structure;
iii) Immobilised by a security device.
Item 2 - loss of your money up to 350.
32
7. Loss arising from the cost of remaking any film or tape or the value of
any information contained on it.
8. Loss or damage occurring outside Great Britain, Northern Ireland, the
Isle of Man or the Channel Islands if you have spent more than 45
days in total away from this country during the current period of
insurance.
9. Breakage of articles of a brittle nature unless specified under item 4
of section 11.
10.Loss of or damage to business equipment unless specified under
item 4 of section 11.
VERY IMPORTANT NOTICE
The value of some of your personal possessions, particularly jewellery
and other high risk property, is likely to fluctuate considerably.
Individual articles, pairs or sets valued at or over 1,500 should be
specified separately. You should review the value of these items
regularly and insure each item for the full replacement cost; seek
professional advice if necessary. If the value of any of these items
changes, please let us know.
In the event of a claim, you will need to provide a professional valuation,
receipt or proof of purchase predating the loss as proof of value and
ownership. Your insurer may not meet your claim, or the amount of the
claim may be reduced if you cannot provide such proof or if the items
are not insured for their full replacement cost.

1. Your insurer will at their option:
i)
Replace as new;
ii) Pay the cost to your insurer of replacing as new;
iii) Repair; or
iv) Pay the cost to your insurer to repair;
any article insured under items 1, 3 or 4 of Section 11 without
deduction for wear and tear. For pedal cycles or clothing more
than two years old insured under item 1 of Section 11, a
deduction will be made for wear and tear.
14 General Exceptions
1. Radioactive contamination.
Any loss of or damage to property, indirect loss or legal liability directly
or indirectly arising from:
i) Ionising radiations or contamination by radioactivity from any
nuclear fuel or from any nuclear waste from the combustion of
nuclear fuel;
ii) The radioactive, toxic, explosive or other hazardous properties of
any explosive nuclear assembly or nuclear component.
2. Pollution and contamination.
Any loss, damage or liability arising from pollution or contamination
unless caused by:
i) A sudden and unforeseen and identifiable accident;
ii) Leakage of oil from a domestic oil installation at your home.
3. Gradually operating cause.
Any loss, damage or liability arising from wear and tear or damage that
happens gradually over time.
4. War risks.
Any consequence of war, invasion, act of foreign enemy, hostilities
(whether war has been declared or not), civil war, rebellion, revolution,
insurrection or military or usurped power.
5. Confiscation.
Loss of or damage to any property due to its confiscation, requisition or
destruction by order of any government, public or local authority.
6. Existing damage.
Any loss, damage, injury or accident occurring, or arising from, an event,
before the period of insurance commences.
7. Sonic bangs.
Loss or damage directly caused by pressure waves from aircraft or other
aerial device travelling at sonic or supersonic speeds.
8. Deliberate acts.
Loss or damage caused by your own deliberate act or the deliberate act
of any person lawfully within the home.
9. Matching of items.
The costs of replacing any undamaged or unbroken item or parts of
items forming part of a set, suite or other article of uniform nature, colour
or design if damage occurs within a clearly identifiable area or to a
specific part and it is not possible to match replacements.
10.Loss of value and depreciation.
Loss of value and depreciation resulting from the repair or replacement
of lost or damaged property.
11.Indirect loss or damage.
Any losses that are not directly associated with the incident that caused
you to claim, unless specifically stated in this policy.
12.Terrorism.
Any loss, damage or liability arising from any act of terrorism directly or
indirectly caused by, contributed to by, resulting from, arising out of or in
connection with biological, chemical or nuclear pollution contamination.
13.Software, data, files and mobile phone call costs.
Any loss, damage or liability arising from:
i) The erasure, distortion, mislaying or misfiling of any software, data
or files;
ii) The use of your mobile phone by someone else.
14.Loss by deception.
Loss by deception unless it is only entry into your home that is gained
by deception.
15.Illegal activities.
Loss or damage resulting directly from the home being used for any
illegal activities by any person.
16.Electronic Failure.
Any loss or damage to any property (including computers and the loss or
corruption of data) caused, directly or indirectly, by the failure of any
electronic equipment, whether belonging to you or not, to correctly
recognise, accept, respond to or process any date or part of a date or
any data or instruction.
VERY IMPORTANT NOTICE
Please note that this home insurance policy is designed to insure your
home against loss or damage. It does not cover the maintenance of
your home. That means your insurer will not cover the cost of wear
and tear or maintenance costs such as defective rendering, repointing
chimneys or general roof maintenance.
Your insurer also does not cover damage that happens over time such
as damp, rot or damage from vermin. You should keep your property in
good repair, and take reasonable steps to avoid loss or damage.
15 General Conditions
You must comply with these conditions. If you do not, the insurer may
refuse to pay a claim or your policy may be affected.
1. Compliance with terms.
Your insurers liability to make payment under this policy will
33
be conditional upon the compliance with the terms and conditions of this
policy.
2. Other insurance.
If at the time of any incident which results in a claim under your policy
there is any other insurance in force covering the same liability, loss or
damage, your insurer will only pay their share of the claim. The share to
be paid by each insurer will be determined either by the appropriate
court or by agreement between the insurers involved.
3. Your duty to prevent loss or damage.
You must keep your buildings in sound condition and in good repair,
and you should consult a suitably qualified expert if you are unsure
whether or not you are complying with this condition. You must take all
reasonable steps to safeguard your buildings, contents or personal
property against loss or damage and to prevent accidents. If loss or
damage does occur, you must take all reasonable steps to prevent
further loss or damage.
4. Changes in risk.
As soon as reasonably possible, you must tell us about any change in
circumstances that might affect the possibility of loss, damage or injury.
At the commencement of your insurance, we provided you with a
Statement of Insurance on which your policy is based. If any of this
information changes at any time, you must tell us as soon as reasonably
possible and we will make the necessary changes to your policy. Any
changes in risk could affect your premium and might result in terms
being applied to your policy.
5. Your obligations following a claim.
In the event of a claim or possible claim under this policy, you must not
negotiate, admit fault or make any offer, promise or payment without
your insurers written consent. Additionally, you must:
i) Inform the police as soon as possible and obtain a crime
reference number or loss report number as appropriate if the loss
or damage is caused by theft or attempted theft, riot, civil
commotion, strikes, labour disturbances, malicious acts,
vandalism or loss of property;
ii) Tell your insurer as soon as reasonably possible and give your
insurer full details;
iii) Give your insurer written notice as soon as possible, but no later
than seven days, after you know about any pending prosecution,
inquest or fatal inquiry in connection with anything that occurs for
which there may be liability under this policy;
iv) Send your insurer, as soon as reasonably possible, every
relevant letter, claim, writ, summons or process. If your claim is
accepted your insurer will refund your reasonable costs;
v) As soon as reasonably possible after the injury, loss or damage,
provide your insurer with details of the claim, including any
detailed particulars and proofs, certificates or other documents
that your insurer may reasonably require. If the claim is met
under the terms of this policy, your insurer will refund your
reasonable costs;
vi) Give your insurer any information and assistance that your
insurer might reasonably require.
6. Your insurers rights following a claim.
If you make a claim or possible claim under this policy, your insurer
will at their option:
i) Repair, reinstate or replace the lost, damaged or stolen property
or pay the cost of reinstatement through a repair or replacement
network nominated by your insurer;
ii) In an emergency, enter the building where the loss or damage
has occurred. To safeguard the insured property against further
loss or damage, your insurer may take and keep possession of
the insured property and deal with the salvage in a reasonable
manner. No property may be abandoned to them;
iii) Exercise sole control at your insurers cost over dealing with any
third party claim and its associated legal proceedings relevant to
it. Your insurer will keep you informed of all developments;
iv) Pursue in your name, but for your insurers benefit and at your
insurers cost, any claims for damages or other costs.
7. Fraud.
If fraud is established your insurer will:
i) Not pay any claim under this policy;
ii) Cancel your cover without any return premium or void your
policy from the start date;
iii) Be entitled to recover the amount of any claim your insurer has
paid under this policy;

iv) Recover any investigation and legal costs;
v) Inform the police, financial services organisations and anti-fraud
databases such as CIFAS, CUE and Hunter.
D Cancellation
How to cancel your policy
You must contact us if you wish to cancel your policy.
We will cancel your policy either from the date you contact us, or from
any later date you specify. The policy cannot be cancelled from an
earlier date than when you contact us.
If you are paying your premium by instalments, you must still pay us
any balance of premium due. Cancelling any direct debit instruction does
not mean you have cancelled the policy. You will still need to follow the
instructions above.
In the event of cancellation, a cancellation fee shown in the Additional
Important Information document, will apply.
Cancellation by you within the first 14 days
If you cancel your policy within 14 days of the date you receive your
policy documents we will refund a percentage of the premium
calculated on a daily pro rata basis equivalent to the period of cover left
unused, unless you have made a total loss claim in which case no
refund of premium will be given and all premiums would be due.
Cancellation by you after the first 14 days
If you cancel this policy after the 14 day period, we refund a percentage
of the premium calculated on a daily pro rata basis equivalent to the
period of cover left unused, providing no claims have been made. If a
claim has been made, or there has been an incident which may lead to a
claim, no refund of premium will be given and all premiums would be
due.
Where we cancel your policy
We may cancel your policy, if there are serious grounds to do so such
as non-payment, failure to supply requested validation documentation
(proof of Security etc.) or you have provided us with incorrect
information and you have failed to provide a remedy when requested.
Where we cancel we will provide seven days prior written notice to your
last known address unless we are required to cancel earlier. If we cancel
your policy, we will refund a percentage of the premium calculated on a
daily pro rata basis equivalent to the period of cover left unused,
providing no claims have been made. If a claim has been made, or there
has been an incident which may lead to a claim, no refund of premium
will be given and all premiums would be due.
If we cancel your policy on the grounds of fraud, cancellation may be
immediate and we may keep any premium you have paid. We may also
inform the police of the circumstances.
E Complaints Procedure
We aim to provide a high level of service to all our customers but
occasionally things can go wrong. When this happens we will do
everything we can to put things right.
Complaints procedure
If you have a complaint about our service or the administration of your
policy, please contact us in the first instance by phoning Customer
Services on 0844 412 2153. We will aim to resolve your complaint over
the phone within 24 hours.
If your complaint is not resolved to your satisfaction within 24 hours we
will send you a written acknowledgment of your complaint together with
the next steps we will be taking to resolve it. If you prefer to put your
complaint in writing please send it to The Customer Relations Manager,
Bradford & Bingley Home Insurance, Fusion House, Bretton Way,
Peterborough, PE3 8BG.
Next steps
In the unlikely event that your complaint remains unresolved four weeks
after being made, we will send you either our final response or a letter
explaining why we are not yet in a position to resolve your complaint
and advise you when we will be in contact again.
If after eight weeks of making your complaint we are still not in a
position to issue you with our final response we will send you
a letter explaining the reason for the delay and advising you of
34
your right to complain to the Financial Ombudsman.
If we cannot resolve your complaint, you may refer your complaint to

the Financial Ombudsman Service within six months of receiving our
final response letter.
The address is Financial Ombudsman Service, South Quay Plaza, 183
Marsh Wall, London E14 9SR. Their website is
www.financial-ombudsman.org.uk and their telephone number is 0845
0801800 or 0300 1239123.
Complaints which your insurer are required to resolve will be passed on
to them by us, we will notify you when we do this. If you are unhappy
with the decision you receive you can refer your complaint to the
Financial Ombudsman Service within six months of receiving your
insurers final response letter.
Following the complaints procedure does not affect your rights to take
legal proceedings.
Data Protection Notice
Please read this notice as it explains the purposes for which we or your
insurer will use personal data and sensitive personal data which we
hold. Please show this notice to anyone covered under this policy.
Your personal data
For mutual security calls are recorded and may be monitored for training
purposes and to prevent and detect fraud. For the purposes of the Data
Protection Act 1998 the Data Controller in relation to the personal data
you supply is BISL Limited.
Insurance administration, renewal and claims handling
Information you supply may be used for the purpose of insurance
administration, renewal and claims handling by your insurer, its agents,
reinsurers and your intermediary. In assessing any claims made, your
insurer may undertake checks against publicly available information
such as Electoral Register, County Court Judgments, bankruptcy or
repossession information. Information may also be shared with other
insurers either directly or via those acting for your insurer such as loss
adjusters or investigators.
Claims & Underwriting Exchange register
Insurers pass information to the Claims and Underwriting Exchange
register run by Insurance Database Services Limited (IDS Ltd), the
Hunter Database, run by MCL Software Ltd to help us check information
provided and also to prevent fraudulent claims. When we or your
insurer deal with your request for insurance, we or your insurer may
search these registers and any other relevant registers. Under the
conditions of your policy, you must tell us about any incident which
may give rise to a claim. When you tell us about an incident, we or your
insurer will pass this information to the registers and any other relevant
registers. You can ask us for more information about this.
Search files made available to them by credit reference agencies who

may keep a record of that search. We or the insurer or the credit
provider may also pass to credit reference agencies information they
hold about you and your payment record. The information will be
used by other credit providers for making credit decisions about you
and the people with whom you are financially associated for fraud
prevention, money laundering prevention and for tracing debtors. We
or the insurer or the credit provider may ask credit reference
agencies to provide a credit scoring computation. Credit scoring uses
a number of factors to work out risks involved in any application. A
score is given to each factor and a total score obtained. Where
automatic credit scoring computations are used by us or the insurer
or the credit provider, acceptance or rejection of your
application/renewal will not depend only on the results of the credit
scoring process.
Use information relating to you and your home supplied to us or the
insurer or the credit provider by other third parties.
Overseas transfer of data

We and the other companies processing your data for the purposes
mentioned above may from time to time need to undertake some of the
processing in countries outside of the European Economic Area which
may not have laws to protect your personal data, but in all cases we will
ensure that it is kept securely and only used for the purposes for which
you provided it. Details of the companies and countries involved can be
provided on request.
Fraud prevention
In order to prevent and detect fraud we or your insurer may at any time:
Share information about you with other organisations including the
Police; Undertake credit searches; Check and/or share your details with
fraud prevention and detection agencies.
If false or inaccurate information is provided and fraud is identified,
details will be passed to fraud prevention agencies. Law enforcement
agencies may access and use this information.
We, your insurer or other organisations may also access and use this
information to prevent fraud and money laundering, for example when:
Checking details on applications for credit and credit related or other
facilities; Managing credit and credit related accounts or facilities;
Recovering debt; Checking details on proposal and claims for all types of
insurance; Checking details of job applicants and employees
Please contact us on the number shown on your policy documentation
if you want to receive details of the relevant fraud prevention agencies.
We, your insurer or other organisations may access and use from other
countries the information recorded by fraud prevention agencies.
Marketing and market research
BISL Limited and other carefully selected companies may use your
information to keep you informed by post, telephone, email or other
means of products and services which may be of interest to you. They
may also contact you to conduct market research. Your information may
also be used for the above purposes after your policy has lapsed.
If you do not wish your information to be used for these purposes
please write to the Data Protection Officer at the address below.
Your electronic information

If you contact us electronically, we or your insurer may collect your
electronic identifier, e.g. Internet Protocol (IP) address or telephone
number supplied by your service provider. This information may be used Your rights
You are entitled to request a copy of the information we hold about you
by us or your insurer to aid in the detection of fraud.
for which we may charge a small fee. If you have any questions or you
Sensitive personal data
would like to find out more about this notice please write to the Data
In order to assess the terms of the insurance contract or administer
Protection Manager, Legal Dept, BISL Limited, Pegasus House,
claims, we or your insurer will need to collect personal data which the
Bakewell Road, Orton Southgate, Peterborough PE2 6YS.
Data Protection Act 1998 defines as sensitive, such as criminal
For more information on the Data Protection Act you may also write to
convictions and we or your insurer may need to transfer this data
the Office of the Information Commissioner at Wycliffe House, Water
overseas. By proceeding with this contract, you will signify your explicit
Lane, Wilmslow, Cheshire SK9 5AF. Telephone: 08456 306060 or
consent to such information being processed by us, your insurer or its
01625 545745. E-mail: mail@ico.gsi.gov.uk
agents.
This policy and other associated documentation are also available in
Credit searches and use of third party information
large print, audio and Braille. If you require any of these formats please
contact us.
In assessing your application/renewal, to prevent fraud, check your
identity and to maintain their policy records, we or the insurer or the
credit provider may:
35
36
Insurance for your home

Administered by ACM ULR Limited
0844 412 2156

24 hours a day 365 days a year
Calls are handled by our nominated representative,
Minster Law Solicitors
Definitions
Word
Definition
Appointed
Representative
The solicitor or other appropriately qualified person, firm or company nominated to act for You by Us under the terms of the
conditions of this section. You should contact Our nominated representative Minster Law Solicitors on the claims line
provided.
The amount of each and every claim which You are required to pay.
United Kingdom, Channel Islands or Isle of Man.
Insured/You/
Your
Limit
Proceedings
Professional
Costs and
Expenses
Underwriters
We/Us/Our
The incident or the start date of a transaction or series of incidents which may lead to a claim or claims being made under the
terms of this cover. For the purpose of the Limit, only one Insured Event will be regarded as having arisen from all causes or
by actions, incidents or events which are related by cause or time.
In disputes about loss of employment Insured Event means the date of effective notice of termination.
The person named in the schedule, his/her spouse, children under the age of 21, if normally resident at the address shown on
the schedule.
The maximum sum payable by Us under a cover after calculating all Professional Costs and Expenses in respect of an
Insured Event, subject to the annual Limit.
Civil, tribunal or arbitration Proceedings or appeals arising from them conducted within the United Kingdom, the Channel
Islands and the Isle of Man.
Reasonable unrecovered fees, costs and disbursements properly and necessarily incurred by the Professional Adviser and
any costs incurred by a third party, on the standard basis of any civil Proceedings, for which You may be made liable by order
of a court or by agreement.
AmTrust Europe Limited. Registered No. 1229676. Registered office: Market Square House, St James's Street, Nottingham,
NG1 6FG. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential
Regulation Authority. Financial Services Number 202189. You can check the above details on the Financial Services
Register by visiting the FCA website .www.fca.org.uk or by contacting the FCA on 0800 111 6768.
ACM ULR Limited acting on behalf of the Underwriters.
Cover
Professional Costs and Expenses Incurred in:1) Pursuit of civil claims brought within the Geographical Limits by You
for damages, arising from or out of:
i)
Your death or personal injury from a sudden or specific
accident except for an accident involving a motor vehicle or
illness or injury from a gradually operating cause.
ii)
The purchase, hire purchase or lease of goods or services for
Your private use. At least 125 must be in dispute and the
contract for the goods or services must have been made after
the inception of the first period of continuous insurance.
iii) Any infringement of Your legal rights arising from and relating
to Your ownership or occupation of Your principal place of
residence where the Insured event occurs more than 180 days
after inception of the first period of insurance.
iv) Your contract or employment where the Insured Event arises
more than 90 days after inception of the first period of
continuous insurance.
Limit
50,000 per incident applicable to all sections i) - iv) above.
What is not Insured
There is no cover in respect of the following:1) Claims notified to Us more than 90 days after the Insured event.
2) Any application for a judicial review.
3) Claims concerning a dispute between You and Us or the
Underwriters.
4) Claims or complaints where You acted without Our consent or
contrary to or in a manner different from Our advice or that of Your
Appointed Representative.
5) Claims where You have provided instructions or evidence which is

false or fraudulent.
6) Any costs and expenses incurred whilst You are bankrupt or Your
affairs are in the hands of the receiver.
7) Any incident arising before the start of this policy.
8) Any costs or expenses incurred before Our written acceptance of a
claim or which are greater than We have approved.
9) Any legal action You take which We or the Appointed
Representative have not agreed to, or where You do anything that
hinders Us or Your Appointed Representative.
10) Legal Proceedings outside of the United Kingdom and Proceedings
in constitutional international or supranational courts or tribunals
including the European Court of Justice and the Commission and the
Court of Human Rights.
11) Claims arising from or relating to:
i)
Divorce, judicial separation, matrimonial matters or
Proceedings including financial ancillary relief, custody,
access, parental responsibility and contact, cohabitation or
affiliation.
ii)
The Equal Pay Act 1970 and amending legislation.
iii) FFA dispute with a rating authority on rateable values.
iv) A lease or licence to occupy land or property.
v)
Any venture or gain.
vi) Any case within the criminal jurisdiction.
vii) Your dishonest or malicious act.
viii) Subsidence, heave or mining or quarrying activities.
ix) Computer software, expert operating systems and packaged
software that have been tailored by the supplier to the
customer's own requirements.
x)
Actual, planned or proposed works by or under the
order of any government or public or local authority.
37
BGLWELV2.00
Excess
Geographical
Limits
Insured Event
xi)
xii)
Planning law including town and country planning legislation.

1.2) Take all reasonable steps to keep Your losses, expenses and
The construction of or structural alteration to buildings or parts
costs which We are liable to pay under this policy to an
of buildings.
absolute minimum.
xiii) An investigation or enquiry by the Special Compliance Office or
1.3) Try to prevent anything happening which may give rise to a
following the transfer of an enquiry to that office.
claim.
xiv) Defamation of any kind (Libel or slander or malicious
1.4) Send everything We ask for in writing.
falsehood).
2)
xv) Probate or inheritance claims.
2.1) We can take over and conduct the claim or legal Proceedings
xvi) Patents, copyrights, trademarks, service marks, registered
in Your name at any time.
design, intellectual property or secrecy or confidentiality
2.2) We can negotiate any claim on Your behalf.
agreements.
2.3) An Appointed Representative will be appointed by Us and
xvii) Your business profession or trade or any venture for gain
represent You in accordance with our standard terms of
undertaken by You, outside Your contract of employment.
appointment. The Appointed Representative must cooperate
xviii) Medical Negligence.
fully with Us at all times.
xix) Shareholding, directorship or partnership disputes.
2.4) You must use Our nominated legal advisors to assist You to
xx) Class, Multi party actions of any kind or matters in abeyance
resolve Your claims, unless there is a conflict of interest or it
and subject to pending rulings judgements within the Court of
becomes mandatory for Proceedings to be instituted. The use
Appeal or House of Lords.
of Our panel of solicitors entitles You to additional benefits and
xxi) Civil claims or complaints in respect of financial service
services not available with the use of non panel solicitors. You
products, banking or misselling of financial service products
should contact Our nominated representative Minster Law
including bank and building society charges.
Solicitors on the claims line provided.
xxii) War, invasion, foreign enemy hostilities (whether war is
2.5) You will not instruct another solicitor to represent You until
declared or not), civil war, rebellion, revolution, military force,
such a time as Your claim has been accepted by Us and only
coup or any act of terrorism.
in the event that it has become mandatory for You to be
represented by a lawyer.
Costs and Expenses Incurred for which no cover is provided:
2.6) If we agree to start legal Proceedings and it has become
1) Where the Insured Event had commenced or occurred before the
necessary for You to be represented by a lawyer, or there has
first period of insurance.
been a conflict of interest and We agree, You can choose an
2) Where at, or prior to, the start of the first period of insurance, in Our
Appointed Representative by sending Us the name and
reasonable judgement, You should have realised that a claim might
address of the suitably qualified person. We may choose to
occur.
refuse Your choice of representative, but only in exceptional
3) Prior to written confirmation from Us that the claim has been
circumstances. If there is a disagreement over the choice of
accepted or Professional Costs and Expenses beyond those for
the Appointed Representative, another suitably appointed
which We have given Our prior approval in accordance with the
person can be appointed to decide the matter. We will appoint
terms and conditions of the cover.
another representative from Our national panel of lawyers.
4) Where You fail to instruct or give proper instructions to Us or to the
2.7) If We and You disagree about the choice of Appointed
Appointed Representative.
Representative, or the handling of the claim We and You can
5) Where You are responsible for anything which in Our reasonable
choose another suitably qualified representative to decide the
opinion prejudices success in the prosecution, defence or settlement
matter. We and You must both agree to the choice of the
of the Proceedings.
person. Failing this We will ask the Law Society to choose a
6) Where You fail to provide evidence or information reasonably
suitably qualified person to represent You.
required by Us to establish whether support can be provided under
2.8) Before You choose an Appointed Representative and before
this cover.
any dispute is resolved We can choose an Appointed
7) Where You are responsible for anything which in Our reasonable
Representative to represent Your interests and minimise any
opinion prejudices Our position in respect of the Proceedings.
costs and expenses.
8) Where the insured event occurs outside the Geographical Limit.
2.9) You must co-operate fully with the Appointed Representative
Professional Costs and Expenses incurred for which no cover is
and Us. You must keep Us up to date with the progress of the
provided:
claim and attend any meetings if requested to do so.
1) Incurred in avoidable correspondence.
2.10) You must give the Appointed Representative any instructions
2) Which are recoverable from another party to any proceedings and
that We reasonably require You to provide to them.
awarded to the Insured as part of their settlement or agreed between 3)
the parties as part of the Insured's settlement.
3.1) You must tell Us if anyone makes an offer to settle Your claim
3) Incurred in respect of any claim where, but for the existence of this
or makes a payment into court.
policy You would be entitled to cover under any other policy or
3.2) If You do not accept a reasonable settlement offer We may
certificate or, but for a breach or alleged breach, by You of the terms
refuse to pay any further costs and expenses.
of the other policy or certificate.
3.3) We may decide to pay You the amount of damages You are
4) Damages, interest, fines or other penalties which You are ordered to
claiming or the balance between any offer and claim made in
pay unless provided for in this cover.
order to cease any continuing legal claim.
5) The costs of an appeal are excluded unless We have given Our prior 4)
written consent to such costs being incurred.
4.1) You must tell the Appointed Representative to have any costs
6) The fees of an expert witness without Our approval being obtained
and expenses claimed taxed, assessed or audited if We ask
for the appointment of the expert witness and to the amount of his
You to.
fees.
4.2) You must take every step to recover costs and expenses that
7) Any award of Professional Costs and Expenses and/or any interest
We have to pay, and must pay Us any costs and expenses that
upon Professional Costs and Expenses which arrives from
are recovered.
unreasonable conduct by You or Your Appointed Representative.
4.3) We will not be bound by any promises or undertaking which
Excess 100
You give to an Appointed Representative, or which You or the
Appointed Representative give to any third party about
General Conditions
payment, fees or expenses.
This is a legally binding contract of insurance between You and Us. This
5) If an Appointed Representative refuses to continue acting for You or
contract does not give, or intend to give, rights to anyone else. No one
if We dismiss an Appointed Representative the cover We provide will
else has the right to enforce any part of this contract.
end at once, unless We agree to appoint another representative.
We may cancel or change any part of this contract without getting
6) If You withdraw from the Proceedings without Our prior approval,
anyone else's permission. We will provide you with advance notice of
You will have to pay the Professional Costs and Expenses and costs
any changes we need to make.
of the other person in the Proceedings. You must pay back any
1) You must :
money the Underwriters have paid during the course of the
1.1) Keep to the terms and conditions of this policy.
Proceedings including any Professional Costs and Expenses which
the Underwriters have reasonably agreed to pay as a
result of Your withdrawal from the Proceedings.
38
7) We may require You to obtain an independent opinion from a

barrister or suitably qualified expert to advise us of the merits of Your
claim. This may be undertaken at Your own expense initially
however if the expert confirms there are reasonable prospects of
success We will pay for the costs of the opinion.
8) We will not pay any claim under this policy that could have been paid
or is covered under another policy if this policy had not been taken
out, or if any means of funding this claim exists prior to the inception
of this policy.
9) We will only pay the Appointed Representative's costs and expenses
for dealing with the Proceedings if We agree to do so before You
consult Your Appointed Representative and We have specifically
agreed the costs and expenses in writing and, Your chances of
success are, and remain, reasonable.
10) Reasonable Prospects of success means there is a greater than
50% chance of achieving the intended successful outcome and the
costs of achieving that outcome are not disproportionate to the costs
incurred in achieving the intended successful outcome.
11) If at any time We think that Your chances of success in the
Proceedings are not good or that Your interests can be better
achieved by other means, We will give You a written explanation of
Our decision. We will then not provide any more cover for the case.
In Our absolute discretion We may pay You a sum equal to Our
reasonable estimate of the value of Your claim.
12) If You disagree with Us, You can ask Us to get an opinion from an
independent solicitor or barrister. If We cannot agree on a suitable
solicitor or barrister, the President of the Law Society will choose
one. If the solicitor's opinion disagrees with Our view, We will pay the
costs. If the solicitor's opinion disagrees with Your view You will pay
the costs.
13) We may contact Your Professional Adviser directly. You must
cooperate with Us and keep Us informed about the progress of the
claim or anything affecting its outcome. We can ask Your nominated
representative for any information to do with the Proceedings. You
must tell the Professional Adviser to give Us this information.
14) You must pay the excess to the Appointed Representative at the
beginning of the case.
15) This policy will be governed by the Laws of England and Wales.
This policy is Underwritten by AmTrust Europe Limited. Registered No.

1229676. Registered office: Market Square House, St James's Street,
Nottingham, NG1 6FG.
Authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and Prudential Regulation Authority.
Financial Services Number 202189. You can check the above details on
the Financial Services Register by visiting the FCA website
Legal Helpline
The helpline service may be used to discuss any legal problem
concerning You. Simply telephone 0844 412 2156 and ask for the legal
helpline. This service is here to help You. Do not hesitate to make full
use of it. In particular, if something You are proposing to do may result in
a claim, You must use the helpline first.
Claims Procedure
Before You propose to take any action which may result in a claim, You
must contact Us by telephone on 0844 412 2156 quoting your policy
number. You must follow the advice given by Us. We may ask You to
complete a claim form on which You must provide a truthful report of the
facts of Your claim. You must tell Us about any potential witnesses,
documents or other evidence which You know about and return it to Us
immediately.
Data Protection
By supplying data to Us You will provide information about yourself and
others which the Data Protection Act defines as personal data or
sensitive personal data. This data will be used by BISL Limited and other
carefully selected companies to provide legal services, legal packages
and claims handling services to You. By supplying the data You have
given explicit consent for all the data provided to be used in this way
unless You tell Us otherwise. The information You supply is used for the
purposes of, but is defines as personal data or sensitive personal data.
This not limited to, claims reporting, claims handling and to provide
incidental legal packages and services to You.
Cancellation
You may cancel this policy at any time by contacting customer services
on the number shown in Your main policy documents. For further details
including cancellation fees and refund of premiums due please read the
'Cancelling this insurance' and 'Policy Payment Arrangements' sections
in Your main Household policy. This policy must run alongside Your
main Household policy. Therefore, if You cancel the main policy that
cancellation will also automatically apply to this policy and cover will
cease from that date.
Complaints Procedure
If You have any complaint You can contact the Customer Service
Department or write to our Customer Relations Manager, ACM, Fusion
House, Bretton Way, Peterborough PE3 8BG. If Your problem isn't
resolved You may contact the Underwriters, AmTrust Europe Limited,
Market Square House, St James's Street, Nottingham, NG1 6FG. The
Underwriters will contact You within five days of receiving Your
complaint to inform You of what action they are taking. The Underwriters
will try to resolve the problem and give You an answer within four weeks.
If it will take the Underwriters longer than four weeks the Underwriters
will tell You when You can expect an answer.
If the Underwriters have not given You an answer in eight weeks they
will tell You how You can take Your complaint to the Financial
Ombudsman Service for review. This complaints procedure does not
affect any legal right You have to take action against the Underwriters.
If You are still not satisfied You can contact the: Financial Ombudsman
Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR.
The Underwriters are covered by the Financial Services Compensation
Scheme (FSCS). You may be entitled to compensation from the scheme
if the Underwriters cannot meet their obligations. This depends upon the
type of business and circumstances of the claim. Most insurance
contracts are covered for 90% of the claim. Further information is
available from the FSCS on the internet at www.fscs.org.uk or by
contacting them on 0207 741 4100
The complaints procedure above does not affect any legal right You may
have to take action against Us.
39
40
Insurance for your home

Administered by ARAG plc
0844 871 2378
You will need to confirm the following:
24 hours a day 365 days a year
Policyholder's name and address (including

postcode)
Nature of the emergency
Suspected gas leaks should always be reported to National Grid on 0800 111 999
Definitions
Each of the words or phrases listed below will have the same meanings wherever they appear in bold in this product
Word
Definition
Contractor
The contractor or tradesman appointed by Us to act on Your behalf
Costs &
Expenses
Home
Emergency
Home
a) Costs reasonably and properly incurred by the Contractor

b) Alternative accommodation costs incurred under Insured Event 7
A sudden unexpected event occurring during the Period of Insurance which in Our opinion requires immediate remedial
action in order to:
a) prevent damage or avoid further damage to the Home, and/or
b) render the Home safe or secure, and/or
c) restore the main services to the Home, and/or
d) alleviate any health risk to You
Your principal private dwelling used for domestic purposes only situated within the Territorial Limit
Insurer
Brit Syndicate at Lloyd's Authority
Limit of Cover
The Insurer will pay per claim for the following:

Call-out charge, and/or
2 hours labour, and/or
Parts & materials up to a maximum of 100 (inclusive of VAT), and/or
Alternative Accommodation costs up to a maximum of 250 (inclusive of VAT)
The maximum payable under this policy is 1000 (including VAT) per year.
The period as shown in the household insurance policy to which this policy attaches.
Period of
Insurance
Territorial Limit
Vermin
We/Us/Our
You/Your
The United Kingdom (including Northern Ireland), Channel Islands and the Isle of Man.
Brown or black rats, house or field mice, wasps and hornets nests.
ARAG plc who is authorised under a binding authority agreement to administer this insurance on behalf of the Insurer, Brit
Syndicate at Lloyd's Authority.
The person(s) named in the Schedule to which this policy attaches.
Please read this policy carefully to familiarise yourself with the terms and
conditions, as well as the claim reporting procedures.
If You are unsure about anything in this document please contact
whoever you purchased your policy from.
What is Home Assistance?

Home Assistance is a cost-effective insurance product that will help
protect You in the event of a domestic emergency. Home emergencies
can be stressful and sometimes difficult to resolve, but with Home
Assistance You will have peace of mind knowing that We are with You
every step of the way, by not only appointing a suitably qualified
contractor to attend Your home but also meeting the costs associated
with this. Cover is provided 24 hours a day, 365 days a year for:
Call-out charge, and/or
Up to 2 hours labour, and/or
Parts & materials up to a maximum of 100, and/or
Alternative accommodation costs up to a maximum of 250
(inclusive of VAT)
The maximum payable by the insurer is 1000 (including VAT) Costs
and Expenses in respect of all claims made during the Period of
Insurance.
Emergencies covered include:
Breakdown of the main heating system in Your Home
Plumbing and drainage problem
Home security including locks and windows
Breakage or failure of Your sole toilet unit
Loss of domestic power supply

Vermin infestation
Claims Procedure
In the event of an emergency in the Home please contact Us on the
number shown above as soon as possible providing Us with your name,
address, postcode, and the nature of the problem. We will then arrange
assistance from one of Our national network of emergency contractors.
Please note that adverse weather conditions and remote locations may
affect normal standards of service. It is important You notify Us as soon
as possible and do not appoint Your own contractors as We will not pay
the costs incurred and it could invalidate Your cover.
If the incident is not covered by this policy then We can still provide
assistance which will be at Your own cost. This may be an event
covered by Your main buildings &/or contents policy and We will seek to
advise You accordingly.
Please note that You should report any major emergency which could
result in serious damage to the Home or injury to You to the Emergency
Services or the company that supplies the service. Please note that Your
call may be recorded for training and security purposes and will be
answered as soon as possible.
To make a claim under this policy telephone 0844 871 2378. Providing
We accept Your claim, We will arrange for a contractor to quickly contact
You with a view to solving your problem.
41
1)
ARAG plc is authorised and regulated by the Financial Conduct Authority
2)
(firm reference no. 452369) and is authorised to administer this
insurance on behalf of Brit Syndicates Limited, the managing agent for
Brit Syndicate 2987 at Lloyds, authorised by the Prudential Regulation
3)
Authority and regulated by the Financial Conduct Authority and
Prudential Regulation Authority.
4)
About Us and Your insurer
What happens if I change my mind after taking out the

Policy?
The Policy provides You with a 14 day reflection period in which to
decide whether You wish to continue. Cancellation is fully explained in
Condition 6 of the policy wording.
What happens if the Insurer cannot meet its liabilities?

Brit Syndicate at Lloyd's Authority is covered by the Financial Services
Compensation Scheme ("FSCS"). You may be entitled to compensation
up to 90% of the cost of your claim from the scheme if the insurer cannot
meet its obligations. This depends on the type of business and the
circumstances of the claim. Further information about compensation
schemes arrangements is available from the FSCS website
www.fscs.org.uk or write to Financial Services Compensation Scheme,
10th floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU.
5)
6)
7)
8)
What happens if I have a complaint?

If You have a complaint You should contact The Managing Director,
ARAG plc, 9 Whiteladies Road, Clifton, Bristol BS8 1NN, (telephone
number 0117 9171680) who will arrange to have Your case reviewed at
the appropriate level. If the matter is not concluded to Your satisfaction,
You may refer it to Brit Syndicate at Lloyd's Authority. If a complaint
remains unresolved You may refer it to the Financial Ombudsman
Service. They can be contacted at: Financial Ombudsman Service,
South Quay Plaza,183 Marsh Wall, London, E14 9SR. Telephone: 0800
023 4567
Email:enquiries@financial-ombudsman.org.uk
HOME ASSISTANCE
This policy is evidence of the contract between You and the Insurer.
YOUR POLICY COVER

Following an Insured Event resulting from a Home Emergency the
Insurer will pay Your Costs & Expenses up to the Limit of Cover provided
that:
1) You have paid the insurance premium,
2) the Insured Event occurs within the Territorial Limit,
3) the claim is reported to Us during the Period of Insurance
immediately after You first become aware of circumstances which
could give rise to a claim under this policy,
4) You always agree to use the Contractor nominated by Us in any
claim.
9)
10)
11)
12)
13)
14)
15)
16)
17)
18)
19)
20)
INSURED EVENTS
1 MAIN HEATING SYSTEM
The total failure or breakdown of the main heating system in Your Home.
2 PLUMBING & DRAINAGE

The sudden damage to, or blockage or breakage or flooding of, the
drains or plumbing system likely to cause damage to the Home or its
contents.
3 HOME SECURITY
Damage to or the failure of external doors, windows or locks which
compromises the security of the Home.
4 TOILET UNIT
Breakage to or mechanical failure of the toilet bowl or cistern resulting in
loss of function providing there is no other toilet in the Home.
5 DOMESTIC POWER SUPPLY

The failure of the domestic electricity or gas supply.
6 VERMIN INFESTATION
Vermin causing damage inside your Home or a health risk to You.
7 ALTERNATIVE ACCOMMODATION COSTS

Your overnight accommodation costs including transport to such
accommodation up to a maximum of 250 (including VAT) following a
Home Emergency which renders the Home uninhabitable.
WHAT IS NOT INSURED BY THIS POLICY

You are not covered for any claim:-
where Costs & Expenses have been incurred before We accept a

claim.
where the Insured Event happens within the first 48 hours if You
incept this policy at a different date from any other related
agreement.
in respect Costs & Expenses where there is no one at Home when
the Contractor arrives.
occurring prior to, or existing at the inception of the policy, and
which You knew or ought reasonably to have known could give rise
to a claim under this policy.
arising from any wilful or negligent act or omission or any third party
interference or faulty workmanship (including any attempting repair
or DIY) which does not comply with recognised industry standards
or comply with recognised industry standards manufacturer's
instructions.
relating to the central heating boiler which:
a) is more than 15 years old, and/or
b) has not been subject to an annual service.
relating to LPG fuelled, oil fired, warm air, solar and unvented
heating systems or boilers with an output over 60Kw/hr.
relating to the cost of making permanent repairs:
i) once the emergency situation has been resolved including any
redecoration or making good the fabric of the Home;
and/or
ii) arising from damage caused in the course of the repair or
investigation of the cause of the emergency.
relating to damage incurred in gaining access to the Home.
arising out of the failure to maintain any system or equipment or the
replacement of parts that gradually wear and tear over time.
relating to the failure of equipment or facilities which is as a result of
them not being installed, maintained or serviced in accordance with
statutory regulations or manufacturer's instructions, or which is
caused by a design fault which makes them inadequate or unfit for
use.
relating to the interruption, failure or disconnection of the mains
electricity, mains gas or mains water supply.
where the property has been left unoccupied for more than 30 days
consecutively.
covered by a manufacturer's, supplier's installer's warranty.
covered by another policy, or any claim that would have been
covered by any other policy if this policy did not exist.
arising out of subsidence, landslip or heave.
relating to a property that is not Your main residence or that You
rent as a tenant or let as a landlord.
relating to garages, outbuildings, boundary walls, fences, hedges,
cess pits, fuel tanks or septic tanks.
relating to replacing or adjusting any decorative part of any
equipment.
relating to:
a) ionising radiations or contamination by radioactivity from any
nuclear fuel or from any nuclear waste from the combustion of
nuclear fuel;
b) radioactive, toxic, explosive or other hazardous properties of any
explosive nuclear assembly or nuclear component thereof;
c) war, invasion, act of foreign enemy hostilities (whether war is
declared or not), civil war, rebellion, revolution, insurrection or
military or usurped power;
d) pressure waves from aircrafts or other aerial devices travelling at
sonic or supersonic speed;
e) any terrorist action (regardless of any other cause or event
contributing concurrently or in any other sequence to the liability)
or any action taken in controlling, preventing or suppressing
terrorist action. If the Insurer alleges that by reason of this
exclusion any liability or loss is not covered by this policy, the
burden of proving the contrary shall be upon You.
CONDITIONS WHICH APPLY TO THE WHOLE POLICY

Failure to keep to any of these conditions may lead the Insurer to cancel
Your policy, refuse a claim or withdraw from an ongoing claim. The
Insurer also reserves the right to recover Costs & Expenses from You
should this occur.
1)
Your Responsibilities
You must:
a) observe and keep to the terms of the policy,
b) not do anything that hinders Us or the Contractor,
c) tell Us immediately after first becoming aware of any cause,
event or circumstances which could to give rise to a
claim under this policy,
42
d)
e)
f)
g)
h)
i)
2)
tell Us immediately of anything that may materially alter Our

assessment of the claim,
cooperate fully with the Contractor and Us,
provide Us with everything We need to help Us handle the
claim,
take reasonable steps to recover Costs & Expenses that the
Insurer pays and pay to the Insurer all costs that are recovered
should these be paid to You,
minimise any Costs & Expenses and try to prevent anything
happening that may cause a claim,
allow the Insurer at any time to take over and conduct in Your
name any claim, proceedings or investigation.
Our Consent
We must give You Our consent to incur any Costs & Expenses. The
Insurer does not accept any liability for Costs & Expenses incurred
without Our consent.
3)
Settlement
You must not negotiate, settle the claim or agree to pay any Costs &
Expenses incurred without Our agreement.
4)
Arbitration
If there is a dispute between You and Us about the handling of a claim

the matter will be referred to a suitably qualified person agreed upon by
both parties. The loser of the dispute shall be liable to pay the costs
incurred. If You and Us fail to agree on a suitably qualified person We
will ask the president of the relevant Law Society to nominate.
5)
Fraudulent Claims
If You make any claim under the policy which is fraudulent or false, the
policy shall become void and all benefit under it will be forfeited including
the premium.
6)
Cancellation
This policy is a compulsory part of Your main Household policy and must
run alongside Your main policy. Therefore, if You cancel this policy the
cancellation will apply to Your main Household policy and if You cancel
the main policy the cancellation will apply to this policy.
7)
Jurisdiction
This policy will be governed by English Law.
8)
Data Protection Act
You agree that any information provided to Us &/or the Insurer regarding
You will be processed by Us &/or the Insurer, in compliance with the
provisions of the Data Protection Act 1998, for the purpose of providing
insurance and handling claims, if any, which may necessitate providing
such information to third parties.
9)
Contracts (Rights of Third Parties) Act 1999
A person who is not party to this contract has no right to enforce the
terms and conditions of this policy under the Contracts (Rights of Third
Parties) Act 1999.
ARAG plc Registered in England number 02585818 Registered Office: 9
Whiteladies Road, Clifton, Bristol BS8 1NN.
ARAG plc is Authorised and regulated by the Financial Conduct
Authority (registration number 452369) and Brit Syndicate at Lloyd's
Authority is Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and Prudential Regulation
Authority (registration number 204930). This can be checked by visiting
the FCA website at www.fca.org.uk or by contacting the FCA on 0800
111 6768.
ARAG plc and Brit Syndicate at Lloyd's Authority are covered by the
Financial Ombudsman Service.
43
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Mr M Jawed

Mr Jawed, thank you for insuring your

Your policy number is 123625716-01.

You are insured until 30 November

Pre-contract Credit Information

Fixed Sum Loan Agreement

Home Policy Summary

Additional Benefits Policy Summary

Home Policy Wording

Emergency claims line - 24 hours a day, 7 days a

Plants in your garden covered for 250

Cover for electronic downloads 250

10% increase in sum insured for weddings and

Replacement locks and keys for your property up to

Cover for trace and access of leaks 5,000

Family Legal Protection

24-hour claim line

0844 412 2152

0844 412 2156

24 hours a day, 7 days a

Customer Services &

24 hours a day, 7 days a

Home Assistance helpline

Mon to Fri 8am-9pm

0844 412 2153

24 hours a day, 7 days a

Payment Details .....................................................................................

Pre-contract Credit Information .....................................................

Fixed Sum Loan Agreement (2 copies) ....................................

Important Information ..........................................................................

Renewing your policy

Our fees and charges

Statement of Insurance ......................................................................

Schedule of Insurance ........................................................................

Home Policy Summary .......................................................................

Additional Benefits Policy Summary ...........................................

Home Policy Wording .........................................................................

Family Legal Protection Policy Wording ...................................

Home Assistance Policy Wording ................................................

The cost of your policy

How we have calculated the cost of your policy

Amount still to pay

Direct Debit Guarantee

PRE-CONTRACT CREDIT INFORMATION

Key features of the credit product

The duration of the credit agreement.

The total amount you will have to pay.

BFSL Limited (we, us, our)

Fixed Sum Credit

The credit agreement will finance:

Family legal protection and Home assistance

The cash price for:

The Policy is 211.08

Family legal protection is 19.99 and Home assistance is Included

Costs of the credit

This is the total cost expressed as an

The advance payment required is 19.32

Costs in the case of late payments.

Consequences of missing payments.

Other important legal aspects

Right to a draft credit agreement.

The period of time during which the

If you fail to make a payment we will charge you a fee of 20.