Household Insurance - Policy Summary
About this document:
Please note that this policy summary does not contain the full terms and conditions of the contract of insurance, so please take time to read the policy document to make sure you understand the cover it provides.
Insurer:
Your insurance is arranged by Motorists Insurance Services Ltd with UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE.
Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ. UK General Insurance Limited are authorised and regulated by the Financial Conduct Authority. Great Lakes Insurance SE, UK Branch, is authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of their regulation by the Financial Conduct Authority and Prudential Regulation Authority are available on request.
What is covered:
MIS Household Insurance provides cover against financial loss in the event a specified peril occurs to your buildings and contents, with Accidental Damage Cover available as an option for both buildings and contents. It also provides cover under Family Legal Expenses, Identity Theft and Home Start Breakdown options.
The limit of liability payable under this policy is detailed in your policy schedule.
What is covered:
Buildings
The home and its fixtures and fittings, driveways, walls and permanent fixtures such as tennis courts and septic tanks within the boundaries of the home.
Contents
Household goods, including non-permanent fixtures and fittings like carpets and curtains.
Policy Limits - The maximum amount we will pay in respect of any one claim is:
Buildings - £500,000
Contents - £50,000
Valuables - 20% of the contents sum insured - single article limit £1,000
Alternate accommodation (Buildings) - £50,000
Alternate accommodation (Contents) - £10,000
Domestic liability (Public) - £2,000,000
Domestic liability (Employees) - £2,000,000
Key Benefits
- Accidental Damage Cover available as an option for both buildings and contents
- Fixed aerial, masts and dishes cover
- Wedding, birthdays or gifts relating to any religious holiday - additional 10% of contents sum insured up to a maximum of £3,000
- Door locks replacement £350
- Contents in Outbuildings £500
- Family Legal Expenses
- Identity Theft
- Home Start Breakdown Cover
Significant exclusions and limitations:
EXCESS - The following excesses are applicable:
- The first £100 in each and every incident of loss or damage other than water leakage, flood, subsidence and escape of oil.
- An excess of £500 shall apply to each and every incident of loss or damage involving water leakage.
- An excess of £500 shall apply to each and every incident involving escape of oil.
- An excess of £1,000 shall apply to each and every incident as a result of subsidence or flood.
Examples of what is excluded (Please refer to the policy document for a definitive list):
- Loss or damage after your home has been left unfurnished or unoccupied for more than 30 days in a row.
- Damage caused by you, your domestic employees or guests.
- Loss or damage caused by domestic animals.
- Any theft or attempted theft which does not involve force and violence to get in to or out of your home.
Family Legal Protection
Access to a legal helpline to advise you on any private legal problem. Legal costs up to £25,000 for:
- Personal injury
- Home rights
- Consumer disputes
- Identity theft
Exclusions: Any professional fees incurred before our written acceptance of the claim.
Home Start Breakdown Cover
What you are covered for:
If your vehicle breaks down at your home address, we will arrange for home start assistance. When a repair cannot be made at the home address, we will arrange for the transport of the vehicle to the nearest garage or another destination of your choice provided the location is no greater distance from the garage and subject to a 20 miles restriction.
We will not pay:
The service is only provided if the vehicle was in a road worthy condition prior to the incident.
No benefits shall be payable unless MIS Claims has been notified and has authorised assistance through the medium of the emergency telephone number.
Duration of cover
12 months from the date of inception of this insurance as detailed on the policy schedule.
Cancellation right
We hope you are happy with the cover this policy provides. However, if after reading this document, this insurance does not meet with your requirements, please return it to MIS within 14 days of receiving the insurance documents and we will refund your premium in full. If there has been a claim during the period of insurance or if a claim is outstanding, there will be no refund of premium.
Making a claim
If you have a claim, please call MIS Claims by telephoning 02890410220 as soon as possible.
Complaints
It is the intention to give you the best possible service, but if you do not have any questions or concerns about this insurance or the handling of a claim you should follow the proceedure below.
Complaints regarding the sale of your policy should be directed to:
Motorists Insurance Services Ltd,
Beechwood House,
Comber Road,
Dundonald,
Belfast,
BT16 2AA
Telephone: 028 9041 0220
Complaints regarding a claim on your policy should be directed to:
Motorists Insurance Services Ltd,
Beechwood House,
Comber Road,
Dundonald,
Belfast,
BT16 2AA
Telephone: 028 9041 0220
If your complaint cannot be resolved by Motorists Insurance Services Ltd by the end of the next working day, it will be passed to:
The Customer Relations Department,
UK General Insurance Limited,
Cast House,
Old Mill Business Park,
Leeds
LS10 1RJ.
Telephone: 0345 218 2685
Email: customerrelations@ukgeneral.co.uk
Please ensure your policy number is quoted in all correspondence to assist a quick and efficient response.
If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service. This also applies if you are insured in a business capacity and have an annual turnover of less than £2,000,000 and fewer than 10 staff. You may contact the Financial Ombudsman Service at:
Financial Ombusman Service,
South Quay Plaza,
183 Marsh Wall,
Docklands,
London,
E14 9SR.
Telephone: 0800 0234 567
Email: complaint.info@financial-ombudsman.org.uk
Compensation scheme:
UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk.
UK GENERAL INSURANCE LTD PRIVACY NOTICE
We are UK General Insurance Ltd, referred to as “we/us/our” in this notice. Our data controller registration number issued by the Information Commissioner’s Officer is Z7739575
This privacy notice is relevant to anyone who uses our services, including policyholders, prospective policyholders, and any other individuals insured under a policy. We refer to these individuals as "you/your” in this notice.
We are dedicated to being transparent about what we do with the information that we collect about you. We process your personal data in accordance with the relevant data protection legislation.
Why do we process your data?
The provision of your personal data is necessary for us to administer your insurance policy and meet our contractual requirements under the policy. You do not have to provide us with your personal data, but we may not be able to proceed appropriately or handle any claims if you decide not to do so.
What information do we collect about you?
Where you have purchased an insurance policy through one of our agents, you will be aware of the information that you gave to them when taking out the insurance. The agent will pass your information to us so that we can administer your insurance policy.
For specific types of insurance policies, for example when offering you a travel insurance policy, we may process some special categories of your personal data, such as information about your health.
We have a legitimate interest to collect this data as we are required to use this information as part of your insurance quotation or insurance policy with us. We may also process the data where it is necessary for a legal obligation, or as part of the establishment or defence of a legal claim.
UK General’s full privacy notice
This notice explains the most important aspects of how we use your data. You can get more information about this by viewing our full privacy notice online at http://ukgeneral.com/privacy-notice [^] or request a copy by emailing us at dataprotection@ukgeneral.co.uk. Alternatively, you can write to us at: Data Protection, UK General Insurance Ltd, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ.