Summary of Cover

Intelligent Insurance arranges high-quality home insurance, with cover levels that can be tailored to your requirements. This is a summary of the main features of our home insurance policy, with the inclusions and exclusions that are most significant.

Full details can be found in the Home Insurance Policy Booklet and should be read in conjunction with your policy schedule and any endorsements. Please note that the cover in each section below only applies when shown as included in your schedule. All cover limits and excesses applying to each section are also shown on your schedule of insurance.

The Intelligent Insurance Home Insurance policy is an annually renewable contract.

The insurance cover summarised in this document is provided by a panel of insurers. Please refer to your schedule for details of the insurer(s) applicable to you. The relevant contact details for the notification of a claim will be detailed in the section headed “Need to make a claim?” typically on the last page of your schedule.

Home Policy Summary

Home Insurance Benefits & Exclusions

Some important facts about your Home insurance policy are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to read the Home insurance policy wording to make sure you understand the cover it provides. Your Home insurance policy wording should be read in conjunction with your quotation or policy schedule which will detail the maximum claims limits, excesses and endorsements which apply to your quote or policy.

The insurance cover summarised in this document is provided by a panel of insurers. Please refer to your schedule for details of the insurer(s) applicable to you.

We offer both buildings insurance and contents insurance which can be taken out together or on a single section basis. The information below outlines the benefits and exclusions/limitations which are common to both buildings and contents sections but only those sections shown on your schedule as included are operative.

Significant features and benefits Significant exclusions or limitations Policy section/peril
This insurance covers your Buildings for the full rebuilding cost including allowances for architects costs and site clearance, and your Contents for their full replacement value as new items.

It is a key condition of this insurance that you and your family must comply with the following conditions to have the full protection of your home insurance policy. If you or your family do not comply with them, we or the insurer/s may at our or their option cancel the policy or refuse to deal with your claim or reduce the amount of any claim payment.

In summary there is no cover for:

  • Gradual deterioration/maintenance. Any loss or damage caused by wear and tear, depreciation, the effects of light or the atmosphere, mould, dry or wet rot or fungus and costs that arise from the normal use, maintenance and upkeep of your Buildings and its Contents.
  • A person who is not a party to this insurance has no right under the Contracts (rights of Third Parties) Act 1999 to enforce any term of this insurance but this does not affect any right or remedy of a third party which exists or is available apart from that Act.
  • Any damages and costs awarded against you in any court outside UK, Northern Ireland, Isle of Man and the Channel Islands.
  • Loss of value and depreciation resulting from the repair or replacement of lost or damaged property.
  • Loss or damage caused by dishonest, criminal, wilful or deliberate acts by you or any member of your family.
  • Any loss, damage, injury or accident occurring before cover commences.
Whole policy
Fire, smoke (not arising from things that happen gradually), explosion, lightning or earthquake.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Sections 1 & 2 Peril 1
Riot, civil commotion and labour or political disturbances and strikes.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • Loss or damage not reported to the Police within seven days of discovery of the loss or damage.
Sections 1 & 2 Peril 2
Malicious damage.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • Loss or damage not reported to the Police within seven days of discovery of the loss or damage.
Sections 1 & 2 Peril 3
The home being hit by:
  • aircraft or other flying devices, or anything dropped from them; or
  • vehicles or trains; or
  • falling aerials or masts; or
  • falling trees or branches; or
  • animals.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Sections 1 & 2 Peril 4
Storm, flood or weight of snow.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • Damage to gates, hedges, fences or swimming pool covers.
Sections 1 & 2 Peril 5
Subsidence or ground heave of the site the buildings stand on, or landslip.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Sections 1 & 2 Peril 6
Escape of water from or freezing in any fixed domestic water or drainage installation, heating installation, washing machine, dishwasher, fridge, freezer or water bed.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • Damage to hot tubs, Jacuzzis or spas.
  • Damage that would not have arisen had there not been a failure to deal with existing damage which a reasonable person should have noticed and where there has been an unreasonable delay in starting repairs.
Sections 1 & 2 Peril 7
Theft or attempted theft.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • Loss or damage not reported to the Police within seven days of discovery of the loss or damage.
Sections 1 & 2 Peril 8
Escape of oil from a fixed, domestic, oil-fired heating system.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • Damage that would not have arisen had there not been a failure to deal with existing damage which a reasonable person should have noticed and where there has been an unreasonable delay in starting repairs.
Sections 1 & 2 Peril 9

Buildings Policy Summary

Buildings Insurance Benefits & Exclusions

Some important facts about your Buildings insurance policy are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to read the Home insurance policy wording to make sure you understand the cover it provides. Your Home insurance policy wording should be read in conjunction with your quotation or policy schedule which will detail the maximum claims limits, excesses and endorsements which apply to your quote or policy.

The insurance cover summarised in this document is provided by a panel of insurers. Please refer to your schedule for details of the insurer(s) applicable to you.

Significant features and benefits Significant exclusions or limitations Policy section/peril
This Buildings insurance covers the main structure of your home for the full rebuilding cost including allowances for architects costs and site clearance, as well as fixtures and fittings, garden walls, gates, hedges, fences, paths, drives, patios, oil and gas tanks permanently fixed, permanently fixed solar panels, permanent hot tubs, Jacuzzis or spas, permanent swimming pools built of brick, stone or concrete, outbuildings, structures made of rigid material which are open on one or more sides (e.g. carports), and hard tennis courts.

The most the insurer will pay for loss of or damage occurring during the period of insurance to the buildings is the maximum claim limit for this section as shown on your schedule.

The most The insurer will pay for loss of or damage occurring during the period of insurance to any one outbuilding is the maximum claim limit as shown on your schedule.

Section 1
The cost of repairing:
  • Accidental damage to the fabric of cable, underground pipes and drains (including the cost of breaking into (and repairing) an underground pipe to clear a blockage between the main sewer and the home if this is necessary because normal methods of releasing the blockage are unsuccessful)
  • Accidental breakage of fixed glass, sanitary fixtures and solar panels
  • Accidental breakage of fixed stair-lifts in your home.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • Damage caused to pitch fibre drains caused by inherent defects in the design, material, construction, or installation of the pipes and drains
Section 1 Peril 10
Professional fees and debris clearance
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 1 Peril 11
Alternative accommodation for you, your family and your pets and/or loss of rent
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 1 Peril 12
Exchanged contracts
If you have exchanged contracts to sell your home, the insurer will give the buyer the benefit of the insurance under this section until the sale is completed
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 1 Peril 13
Emergency Services
The insurer will pay for loss of or damage to your home caused by an emergency service getting into your home as a direct result of a medical emergency.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 1 Peril 14
Replacement locks and keys
The insurer will pay the cost of replacing keys and/or installing locks on outside doors if your keys have been lost or damaged.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • The cost of replacing keys and locks to garages or outbuildings.
Section 1 Peril 15
Changing Address
If you move to another home, the insurer will cover your original home while you are offering it for sale provided the new home is already be covered on this policy for a period of up to 90 days after you move, subject to the payment of an additional premium.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 1 Peril 16
Trace and Access
If your buildings are damaged by water escaping from tanks, pipes, underground drains, equipment or fixed heating systems in your home, the insurer will pay the cost of removing and replacing any other part of your buildings necessary to find and repair the source of the leak and making good.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 1 Peril 17

Property Owner’s Liability
The legal liability of you as owner of your buildings and land belonging to your home to pay damages and costs to others which arise from any single event during the period of insurance which results in:

  • Accidental death, disease, illness or accidental physical injury to anyone
  • Accidental damage to physical property.
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 3
Peril 2
Defective premises cover
The insurer will insure you against your legal liability to pay damages and expenses for accidental bodily injury to any person or damage to property caused by faulty work on any private home (within the United Kingdom, the Isle of Man or the Channel Islands) which you sold or moved out of before the injury or damage occurred.
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 3
Peril 3

Buildings Additional Accidental Damage Cover

Significant features and benefits Significant exclusions or limitations Policy section/peril
Accidental Damage to your buildings.

The most the insurer will pay for loss of or damage occurring during the period of insurance to the buildings is the maximum claim limit for this section as shown on your schedule.

The most the insurer will pay for loss of or damage occurring during the period of insurance to any one outbuilding is the maximum claim limit as shown on your schedule.

Damage excluded anywhere else in the policy

The excess as stated in this section of your schedule

Section 1a

Contents Policy Summary

Contents Insurance Benefits & Exclusions

Some important facts about your Contents insurance policy are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to read the Home insurance policy wording to make sure you understand the cover it provides. Your Home insurance policy wording should be read in conjunction with your quotation or policy schedule which will detail the maximum claims limits, excesses and endorsements which apply to your quote or policy.

The insurance cover summarised in this document is provided by a panel of insurers. Please refer to your schedule for details of the insurer(s) applicable to you.

Significant features and benefits Significant exclusions or limitations Policy section/peril
This Contents insurance covers household goods, high-risk property, pedal cycles, money and personal belongings, and downloaded electronic data which you or your family own or are legally responsible for and use for private purposes.

The most the insurer will pay for loss of or damage occurring during the period of insurance to the contents is the maximum claim limit for this section as shown on your schedule.

High-risk property is covered up to the high-risk property maximum claim limit shown in the schedule. But the most the insurer will pay for any one high-risk property item is £2,000 unless a different amount is specified in the schedule.

The most the insurer will pay for property in an outbuilding (such as a garage or garden shed) is the amount shown in the schedule.

Section 2
Accidental damage to technology and home entertainment equipment.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • Damage to records, compact discs, computer disks, cassettes or equipment, video recording equipment, tapes and DVDs.
  • Damage to equipment designed to be portable whilst it is being transported or carried or moved e.g. laptop computers, portable compact disc players and portable televisions.
  • Damage to mobile phones
Section 2 Peril 10
Accidental breakage, in your home, of:
  • fixed glass in furniture
  • glass shelves;
  • glass tops to furniture;
  • fixed glass in mirrors; or
  • ceramic hobs/tops in freestanding cookers.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • Replacement cost of any part of the item other than broken glass.
Section 2 Peril 11
Accidental loss of metered water or of oil in domestic heating systems.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 2 Peril 12
Damage to food in any refrigerator or deep freezer
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • Food beyond the date it can be safely eaten.
Section 2 Peril 13
Alternative accommodation and tenant’s rent liability.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 2 Peril 14
Replacement locks and keys
The insurer will pay the cost of replacing keys and installing locks on outside doors if your keys have been lost or damaged
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • The cost of replacing keys and locks to garages or outbuildings.
Section 2 Peril 15
Changing Address
If you are moving to a new home in the United Kingdom, the Channel Islands or the Isle of Man and ask us to insure your contents, The insurer may be able to arrange for this policy to cover your contents at your new address.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • You may have to pay an extra premium to transfer your contents cover to a new address.
Section 2 Peril 16

Contents in transit
If your contents are professionally packed and transported the insurer will insure you against loss or damage to the contents while they are:

  • being transported anywhere in the UK between your old address and your new address;
  • on their way to and from the furniture depository, and
  • being loaded or unloaded
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • Breakage of glass or other fragile items.
Section 2 Peril 17
Death benefit
The insurer will pay if You or any member of Your Family is killed as a result of a fire or assault in Your Home, as long as the death happens within 12 months of the event.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 2 Peril 18
Damage as a tenant
If you are a tenant of your home the insurer will pay for loss of or damage to interior decorations and your home improvements.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 2 Peril 19
Special Events
The maximum claim limit under the contents section is automatically increased by the amount shown in the schedule for one month before and the month after you, or any member of your family’s special event to cover gifts, extra food and drink and the cost of extra items bought specifically for the event.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 2 Peril 20
Broadband/Internet loss of use
The insurer will pay the cost of your monthly service charge for broadband or internet access loss of use arising from an insured event.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • Broadband/internet loss of use for less than 30 consecutive days
Section 2 Peril 21
Contents at University
The contents belonging to a member of your family in full time education are covered whilst they are living and studying anywhere within the United Kingdom.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • Loss or damage caused by theft or attempted theft unless there has been forced and violent entry into or exit out of the building.
Section 2 Peril 22
Guests Contents
The insurer will pay for contents belonging to your guests or visitors whilst in your home if they are lost or damaged as a result of perils 1 to 9 of this section.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • Loss or damage that is insured under another policy.
Section 2 Peril 23
Shopping in Transit
The insurer will pay for loss of or damage to contents while you are bringing them to your home from the shop where you bought them.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • Theft from an unattended motor vehicle.
Section 2 Peril 24
Theft by bogus officials
The insurer will pay for the theft of money following unforced entry into your home by a person or persons falsely claiming to be an official.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 2 Peril 25
Medical Equipment on loan
The insurer will pay for loss or damage as a result of perils 1 to 9 of this section, to specialist medical equipment that has been loaned to you or your family, by a hospital or a registered charity
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • Loss or damage that is insured under another policy.
Section 2 Peril 26
Jury Service
The insurer will pay for loss of earnings and other expenses if you have to attend jury service.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 2 Peril 27
Emergency Services
The insurer will pay for loss of or damage to your home caused by an emergency service getting into your home as a direct result of a medical emergency
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 2 Peril 28
Electronic Data
The insurer will pay for the cost of replacing legally downloaded electronic data where such costs are incurred by you.
  • The excess as stated in this section of your schedule
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
  • Any costs incurred where copies are available on other electronic or computer devices
Section 2 Peril 29

Contents temporarily away from Your Home
The insurer will pay for loss or damage by any of the events insured under numbers 1 to 9 in Section 2 – Contents while Your Contents are temporarily away from Your Home for up to a maximum of 90 consecutive days.

Contents temporarily away from Your Home unless they are:

  • in any occupied private dwelling
  • in any building where You are living or working
  • in any building for valuation, cleaning or repair
  • in any professional storage facility
  • in any bank or safe deposit
Section 2 Peril 30

Occupier’s and Personal Liability
The legal liability of you as occupier of your home and it’s land and/or as an individual to pay damages and costs to others which arise from any single event occurring during the period of insurance which results in:

  • Accidental death, disease, illness or accidental physical injury to anyone
  • Accidental damage to physical property.
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 3 Peril 1
Unpaid damages
The insurer will pay the unpaid amount of any award made in Your favour for compensation for bodily injury or damage to property.
  • This compensation must have been awarded by a court in the United Kingdom, the Isle of Man or the Channel Islands.
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 3 Peril 4
Liability for domestic employees
The insurer will insure you against your legal liability to pay damages, costs and expenses for accidental bodily injury which happens to any of your domestic employees during the course of their work during the period of insurance.
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 3 Peril 5

Tenant’s liability
The insurer will insure you against your legal liability for:

  • damage to the structure of your home, or to the landlord’s fixtures, fittings and interior decorations, caused by the risks covered under the contents section (unless the home is unoccupied or unfurnished.)
  • Any amount in excess of the Maximum claims limit stated in this section of your schedule
Section 3 Peril 6

Contents Additional Accidental Damage Cover

Significant features and benefits Significant exclusions or limitations Policy section/peril
Accidental loss or Accidental damage Your contents are insured while they are:
  • in the home;
  • outside, but within the boundary of the home; or
  • in a building, within the boundary of the home, with an open front or open side such as a carport.

The most the insurer will pay for loss of or damage occurring during the period of insurance to the contents is the maximum claim limit for this section as shown on your schedule.

High-risk property is covered up to the high-risk property maximum claim limit shown in the schedule. But the most the insurer will pay for any one high-risk property item is £2,000 unless a different amount is specified in the schedule.

The most the insurer will pay for property in an outbuilding (such as a garage or garden shed) is the amount shown in the schedule.

Damage excluded anywhere else in the policy

The excess as stated in this section of your schedule

Section 2a

Contents Additional Personal Belongings Cover

Significant features and benefits Significant exclusions or limitations Policy section/peril
Loss of or damage to your or your family’s personal belongings, money and credit cards in the European area, or anywhere else in the world for up to 60 days in any period of insurance.

For personal belongings, the most the insurer will pay for any one claim and any single item is the amount shown in the schedule (a pair or set of items is regarded as a single item, a bag of golf clubs, whether or not by the same manufacturer, is regarded as a set).

The insurer will not pay any amount for theft from motor vehicles unless the item or any bag, box or other form of wrapping containing it is hidden from view and all access points to the motor vehicle are securely locked and there is evidence that force and violence took place.

Accidental loss not reported to the Police within seven days of discovering the loss.

Loss or damage caused by theft or attempted theft from an unlocked hotel room.

The excess as stated in this section of your schedule

Section 2b

Contents Additional High Risk Property and Specified Contents Cover

Significant features and benefits Significant exclusions or limitations Policy section/peril
Loss of or damage to your  high-risk property and specified Contents (that is individually listed in the Schedule) is covered either; in the home only or in and away from the home (away from the home being in The European area, or anywhere else in the world for less than 60 days) in any period of insurance. This will be detailed on Your Schedule.

The most the insurer will pay for any high-risk property or specified Contents is the sum insured shown in the schedule next to each item.

The insurer will not pay any amount for theft from motor vehicles unless the item or any bag, box or other form of wrapping containing it is hidden from view and all access points to the motor vehicle are securely locked and there is evidence that force and violence took place.

If you make a claim, you will need to provide a professional valuation, receipt or proof of purchase pre-dating the loss as proof of value and ownership.

The insurer will pay a claim for loss or theft only if you reported the loss or theft to the local Police within 7 days of discovering it.

The excess as stated in this section of your schedule

Section 2c

Contents Additional Pedal Cycle Cover

Significant features and benefits Significant exclusions or limitations Policy section/peril
Accidental loss or damage to your pedal cycles including battery assisted cycles (listed in the schedule) are covered in the United Kingdom, the Channel Islands and the Isle of Man.

The most the insurer will pay for pedal cycles is the amount shown against each item in the schedule.

There is no cover for pedal cycles outside the United Kingdom, the Channel Islands or Isle of Man unless we and the insurer agrees to this and if requested you may pay an extra premium.

Loss or damage to motorised pedal cycles.

Pedal cycles being used for racing, pacemaking or testing of any kind or while practising for any of them.

Theft or attempted theft of a pedal cycle when left in a public place without being secured by a chain and padlock or other equivalent lock, as agreed by us and the insurer in writing, to a permanent structure or motor vehicle.

Cuts or bursts to tyres.

Loss of or damage to accessories or parts of pedal cycles unless the pedal cycle is stolen or damaged at the same time.

The excess as stated in this section of your schedule

Section 2d

Family Legal Protection

Family Legal Protection Benefits and Exclusions

Family Legal Protection is included as standard* with Intelligent Insurance home insurance policies; Family Legal Protection Plus is available as an optional extra and offers higher claims limits and extended cover. Some important facts about Family Legal Protection and Family Legal Protection Plus insurance policies are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to read the Section 4 of the Home insurance policy wording to make sure you understand the cover it provides.

The insurance cover summarised in this document is managed and provided by Arc Legal Assistance Ltd on behalf of Inter Partner Assistance SA.

Features and Benefits Key:

 Included with Family Legal Protection

 Included with Family Legal Protection Plus

Significant features and benefits Significant exclusions or limitations Policy section/peril

Legal Expenses of up to £100,000 (Family Legal Protection Plus) or £25,000 (Family Legal Protection) per claim are covered.

This insurance covers the legal costs incurred by Arc Legal’s panel solicitors. You are not covered for any other legal representative’s costs unless court proceedings are started or a conflict of interest arises.

It is a key condition of this insurance that there must be reasonable prospects of success in taking legal action before a claim for legal costs will be accepted.

For full details of policy exclusions please refer to the policy wording.

In summary there is no cover for:

  • Costs incurred without our prior consent
  • Claims arising from a dispute between you and someone you live with or have lived with
  • Claims where an estimate of the advisers’ costs is more than the amount in dispute
Section 4

Legal costs to pursue:Contract claims against a person / organisation providing defective goods or services

At least £250 plus VAT must be in dispute. Section 4
Peril 1 Consumer Pursuit

Legal costs to defend:Contract claims brought by a person to whom private goods have been sold.

At least £250 plus VAT must be in dispute. Section 4
Peril 2 Consumer Defence

Legal costs to pursue:Personal injury claims against the responsible person / organisation

There is no cover for claims arising from an allegation of clinical or medical negligence. Section 4
Peril 3 Personal Injury

Legal costs to pursue: Clinical negligence claims against the responsible person / organisation

There is no cover for claims arising from stress, psychological or emotional injury. Section 4,
Peril 4 Clinical Negligence

Legal costs to pursue:An action before an employment tribunal for breach of your contract of employment.

The alleged breach must have occurred at least 90 days after legal costs cover started unless equivalent cover was in place continuously for a period of at least 90 days leading up to when the breach of contract first occurred. Section 4
Peril 5 Employment Disputes

Legal costs to pursue:Actions for nuisance or trespass relating to the home.

The nuisance or trespass must have occurred at least 180 days after legal costs cover started unless equivalent cover was in place continuously for a period of at least 180 days leading up to when the breach of contract first occurred. Section 4
Peril 6 Property Infringement

Legal costs to pursue:Actions against parties causing physical damage to the home.

There is no cover for claims in respect of works undertaken or to be undertaken by or under the order of any government or public or local authority. Section 4
Peril 7 Property Damage

Legal costs to pursue:An action arising from a breach of a contract for the sale or purchase of your main home.

At least £250 plus VAT must be in dispute. Section 4
Peril 8 Property Sale and Purchase

Accountancy fees as a result of an HM Revenue and Customs Full Enquiry.

There is no cover for any claim relating to false representations or allegations of fraud. Section 4
Peril 9 Tax

Legal costs in appealing the decision of a Local Education Authority (LEA).

There is no cover for claims where the child has been suspended, expelled or permanently excluded from another school. Section 4
Peril 10 School Admission Disputes

Legal costs to pursue:Probate disputes involving the will of your deceased parents, grandparents, children, step-children or adopted children.

There is no cover for any claims  in respect of any dispute or costs where a will has not been previously made or concluded or cannot be traced (Intestate). Section 4
Peril 11 Probate

Legal costs to defend:Proceedings, reverse incorrect judgments and challenge consumer credit ratings resulting from identity fraud.

There is no cover for claims where you did not take reasonable precautions against identity fraud or take action to protect yourself from identity fraud. Section 4
Peril 12 Personal Identity Fraud

Legal costs to defend:Proceedings arising from the use of the vehicle’s identity by another party without your permission.

There is no cover for claims where the vehicle’s identity has been copied by somebody living with you. Section 4
Peril 13 Vehicle Cloning
Legal costs to defend:An action if an event arising from your work as an employee leads to:
  • You being prosecuted in a criminal court; or
  • Civil action being taken against you under laws for unlawful discrimination; or
  • Civil action being taken against you for compensation under section 13 of the Data Protection Act 1998.

There is no cover for legal costs where the member is entitled to a grant of legal aid from the body responsible for its administration or where funding is available from another public body, a trade union, employer or any other insurance policy. Section 4
Peril 14 Legal Defence

Legal costs to write to the provider or author of a social media website in order to remove defamatory comments made about you.

There will be no cover unless you are aged 18 years or over. Section 4
Peril 15 Social Media Defamation

*Included as standard on policies purchased after 23rd July 2015.

Home Emergency Cover

Home Emergency Cover Benefits and Exclusions

Home Emergency cover is included as standard** with Intelligent Insurance home insurance policies; Home Emergency Plus cover is available as an optional extra and offers higher claims limits and extended cover. Some important facts about Home Emergency and Home Emergency Plus are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to read Section 5 of the Home insurance policy wording to make sure you understand the cover it provides.

The insurance cover summarised in this document is managed and provided by Arc Legal Assistance Ltd on behalf of AmTrust Europe Limited. CET (UK) Limited provide the services as mentioned in the policy.

Features and Benefits Key:

 Included with Home Emergency

 Included with Home Emergency Plus

Significant features and benefits Significant exclusions or limitations Policy section/peril

Home Emergency repairs are covered inclusive of VAT, call out, labour, parts and materials with the following limits:

Home Emergency Plus: £1,000 per claim (unlimited claims)

Home Emergency: £200 per claim (£600 claims limit/year)

This section provides assistance in the event of certain Home Emergencies, which impact the safety and security of your home, potentially rendering it uninhabitable.

This section is for someone who is an owner or occupier who wishes to cover an Emergency caused by specified events when they do not already have relevant insurance cover. This cover is only available in respect of your principal home and is not available to landlords for their tenanted properties.

It is not designed to replace your buildings and contents insurance and will not provide assistance for normal day to day home maintenance.

In summary there is no cover for:

  • Shared water / drainage facilities
  • Emergencies caused by poor maintenance and wear and tear
  • Reinstatement of your property to its original condition.
  • Boilers with an output over 60 Kwh.
  • Replacement of items such as water tanks, radiators, shower units, sanitary ware, flexible hoses, cesspits and septic tanks.
  • Costs arising from or in connection with the circumstances known to you before you took out your policy.
  • Day-to-day maintenance and emergencies caused by wear and tear
  • Detached outbuildings
Section 5
An emergency relating to:
  • The internal hot and cold water pipes
  • The cold water storage tank;
  • Flushing mechanism of a toilet;

  • Any leaks where the water is safely escaping down a drain
  • Dealing with temporarily frozen pipes
Section 5
Peril 1. Plumbing
An Emergency relating to the blockage of, or damage to the waste pipes

  • Removing, replacing or repairing any part of the drain which is damaged but does not result in the total blockage of the drain
  • Making access to drain systems points of entry (such as manhole covers) if these have been built over
Section 5
Peril 2. Drainage
Failure of your electrics rendering your home uninhabitable

Repair to, or replacement of, electrical appliances such as cookers Section 5
Peril 3. Failure of internal electrics
Broken and cracked windows which result in the home not being secure and lost or damaged keys

  • Double glazing where one pane is broken but the other is intact and the home is therefore secure.
  • Detached outbuildings
Section 5
Peril 4. Security
Removal of rats, mice, wasps and Hornets, and grey squirrels

Removal of rats, mice and grey squirrels from detached outbuildings Section 5
Peril 5. Pests
A leak from the internal gas supply pipe in your home between the meter and a gas appliance.

Restoration of gas supply is not included. Section 5
Peril 6. Internal Gas Pipe
Complete failure or breakdown of Your primary heating/hot water system, resulting in no hot water and/or heating.

  • Commercial boilers or heating systems
  • boilers with an output of over 60 Kilowatts per hour
  • Any heating system which is not wholly situated within your home or is shared with neighbouring dwelling
  • Any repair or replacement of under floor heating systems, warm air units, air or ground source heat pumps.
  • Boilers which have not been maintained in accordance with the manufacturer's guidelines.
Section 5
Peril 7. Boiler and Heating System
Sudden or unforeseen roofing problems such as leaks or tiles blown off during a storm or bad weather.

Replacement roof tiles (unless this is the only way to contain the Emergency).

Damage caused to the home or contents as a result of water damage.
Section 5 
Peril 8. Roofing, down-piping or guttering

**Included as standard on policies purchased after 23rd July 2015.

Cancellation & Complaints

Your Cancellation Rights

You have a statutory right to cancel your policy within 14 days from the day of purchase or renewal of the contract, or the day on which You receive Your policy or renewal documentation, whichever is later. If no claims have been made we will refund the premium you have paid. If a claim has been made we charge you for the days you have been on cover and then refund the remainder of the premium you have paid.

Following the expiry of your statutory cooling off period, you may cancel your policy at any time by telling us, either in writing or by telephone. As long as you have not received payment for, or are not in the process of making a claim and have not suffered a loss for which you are intending to make a claim during the period you have been on cover, we will keep an amount of premium in proportion to the time you have been on cover plus an administration fee and refund the rest to you. Please refer to Policy Condition 5 in the Home Insurance Policy Booklet and the Key Facts document included in your policy documentation for full details.

How to make a Complaint

If you wish to register a complaint about the sale or administration of your policy, please contact us:

In writing Intelligent Insurance, Customer Relations Department, Bradley House, Salisbury Road, Ringwood, BH24 3PB.

By phone Telephone 03333 11 11 10

If you are unhappy with the handling of your claim please contact the relevant insurer detailed on your policy schedule in the section headed “Your policy underwriters” – “Insurer contact details for claims complaints.”

If you are unhappy with the final response to your complaint received from Intelligent Insurance or the insurer, you are entitled to refer it to the Financial Ombudsman Service.  Full details of addresses and contact numbers can be found in the Home Insurance Policy Booklet.

Financial Services Compensation Scheme (FSCS)

Our panel of Insurers are each covered by the 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.

Insurance advising and arranging is covered for 90% of the claim, without any upper limit.

Further information about compensation scheme arrangements is available from the FSCS. (www.fscs.org.uk)

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