Sudden, unintentional and unexpected physical breakage or damage that can be seen.
Please note there is no cover under this policy for any Accidental Damage.
The person or persons named on the schedule who have been authorised by You to act on Your behalf and discuss with us any details of Your policy including information disclosed, cover provided or any claim.
Death, illness, injury or disease.
Your home including garages, sheds, greenhouses and other domestic outbuildings, and landlords’ fixtures and fittings therein and thereon, paved terraces, patios, drives, paths, walls, gates and fences, septic tanks, oil tanks, sunken swimming pools, fishponds and ornamental ponds and hard tennis courts, on the site of your home.
Computer and office equipment (excluding data) used solely for clerical business but excluding mobile telephones and tablet computers.
A single loss or series of losses arising from one event for which cover is provided by this Policy.
Household goods, furniture and furnishings in your home, and interior decorations belonging to or the responsibility of you subject to the following exclusions:
A person employed by a member of the household to solely carry out domestic duties for the household.
The private dwelling used solely for domestic purposes, at the Risk Address as shown in your Schedule excluding any:
You, your spouse or partner, relatives and any other person permanently living in the home but not any lodger, tenant or paying guest.
Cash, bank and currency notes, cheques and postal orders, postage stamps which are not part of a stamp collection, savings stamps and savings certificates, premium bonds, luncheon vouchers, travellers cheques, travel season tickets and gift tokens.
Please note there is no cover under this policy for any Money.
Any electrically or mechanically propelled vehicle for adults or children. Motor vehicle does not include any:
The period shown on your schedule for which we agree to accept and you have paid the premium.
Clothes and items of a personal nature likely to be worn, used or carried including: Jewellery, gold and silver articles, antiques, watches, works of art, furs, photographic equipment, musical instruments, spectacles, contact lenses, coins, medals, stamps, sports equipment and electrical items taken out of the home including portable games consoles, laptops, notepad computers, e-readers, satellite navigation, MP3 players, mobile phones, hearing aids, drones, pedal cycles.
Personal Effects do not include:
Please note there is no cover under this policy for any Personal Effects.
England, Scotland, Wales and Northern Ireland.
An act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological, ethnic or similar purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public in fear.
Not lived in by you, any member of your household or any other person who has your permission.
It is accepted by us that your home will be unoccupied at certain times when, for example when you are away on holiday. We agree that we shall not regard your home as being unoccupied at these times, subject to such period not amounting to more than 31 consecutive days. If the period is likely to exceed 31 days, you must contact us as soon as you know.
Jewellery, gold and silver articles, antiques, watches, works of art, furs, photographic equipment, coins, medals and stamps
Please note there is no cover under this policy for any Valuables.
The Salvation Army General Insurance Corporation Limited (SAGIC).
The person or persons named in your Schedule.
