Policy document | Finest home insurance | Tesco Finance & Insurance

Home Insurance

Here's Your Tesco Finest Home Insurance Policy

Welcome to Tesco Finest Home Insurance

Thank you for choosing Tesco Finest Home Insurance. This policy booklet gives full details of Your cover and should be read along with Your schedule and confirmation. If You have any questions about Your policy, please call Us on the number shown in the schedule.

Your Tesco Finest Home Insurance Policy

This policy is evidence of the contract between Us, namely UK Insurance Limited and You, namely Our Policyholder.

We will provide insurance for those sections shown in the schedule during any Period of Insurance and under the conditions set out in this Policy.

Read the Policy and the schedule as one document. Any word or expression which has a particular meaning will have the same meaning wherever it may appear.

This contract is based on the information You have given Us and, included in the proposal confirmation and declaration forms.You must tell Us about any change in this information as soon as possible, otherwise You may not be covered.

Under European law, You and We may choose which law will apply to this contract. English law will apply unless both parties agree otherwise.

UK Insurance Limited is authorised and regulated by the Financial Services Authority.

Please read Your Policy and schedule carefully and keep them safe.

Important Information

Your Right to Cancel

If this does not meet Your needs, please return all Your documents within 14 days of receiving them to: Customer Services Department, Tesco Home Insurance, The Wharf, Neville Street, Leeds LS1 4AZ. We will return any premium You have paid as long as no claims have been made during that time.

How to make a claim

To make a claim, phone 0845 303 5787

How to Complain

If You need to complain, please call Us on Our priority number 0845 303 5787. If Your complaint is about a claim, contact Your claims handler whose details will be shown in Your claims documents.

If You want to complain in writing, send Your letter to one of the following:

For complaints about claims, the Customer Relations Department, Tesco Home Insurance, Cote Lane, Pudsey LS28 5GF.
All other complaints to the Customer Relations Department, Tesco Home Insurance, The Wharf, Neville Street, Leeds LS1 4AZ.

If We cannot resolve the differences between You and Us, You may refer Your complaint to the Financial Ombudsman Service (FOS). The address is: South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0845 080 1800.

Call monitoring and recording

We may monitor and record telephone calls in order to improve our service and to prevent and detect fraud.

Details about Our Regulator

We are authorised and regulated by the Financial Services Authority. You can visit the Financial Services Authority's website, which includes a register of all regulated firms at www.fsa.gov.uk/register. Or You can phone the Financial Services Authority on 0845 606 1234.

Under the Financial Services and Markets Act 2000, should the company be unable to meet all its liabilities to policyholders, compensation may be available. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Information can be obtained on request, or by visiting the Financial Services Compensation Scheme website at www.fscs.org.uk.

Meeting Your Needs

We have not guaranteed that this policy is suitable for Your specific needs.

Your Information

Who We are

Tesco Home Insurance is arranged by Tesco Personal Finance Limited (TPF) and is underwritten by UK Insurance Limited (UKI).

You are giving Your information to UKI and TPF. UKI is a member of the Royal Bank of Scotland Group (The Group). In this Information statement 'We' 'Us' and 'Our' refers to UKI and TPF unless otherwise stated.

For information about Our Group of companies please visit www.rbs.com and click on 'About Us', or for similar enquiries please telephone 0131 556 8555 or Textphone 0845 900 5960.

Meeting Your Needs

We have not guaranteed that this policy is suitable for Your specific needs.

Your Information

Who We are

Tesco Home Insurance is arranged by Tesco Personal Finance Limited (TPF) and is underwritten by UK Insurance Limited (UKI).

For information about Our Group of companies please visit www.rbs.com and click on 'About Us', or for similar enquiries please telephone 0131 556 8555 or Textphone 0845 900 5960.

Your electronic information

If You contact Us electronically, We may collect Your electronic identifier e.g. Internet Protocol (IP) address or telephone number supplied by Your service provider.

How we use Your information and who We share it with

We will use Your information to manage Your insurance policy, including underwriting and handling claims. This may include giving it to other insurers, third party underwriters and reinsurers.

Your information comprises of all the details We hold about You and Your transactions and includes information obtained from third parties.

We may use and share Your information with other members of the Group to help Us and them:

assess financial and insurance risks;
recover debt;
prevent and detect crime;
understand Our customers' requirements;
develop and test products and services.

We do not disclose Your information to anyone outside the Group except:

where We have Your permission; or
where We are required or permitted to do so by law; or
to fraud prevention agencies and other companies that provide a service to Us or You; or
where We may transfer rights and obligations under this agreement.

We may transfer Your information to other countries on the basis that anyone to whom We pass it provides an adequate level of protection. However, such information may be assessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations.

From time to time We may change the way We use Your information. Where We believe You may not reasonably expect such a change We will write to You. If You do not object to the change within 60 days, You consent to that change.

Sensitive Information

Some of the personal information We ask You for may be sensitive personal information, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions). We will not use such sensitive personal information about You or others except for the specific purpose You provide it for and to provide the services described in Your policy documents.

You will have been asked to agree to this when You called but please make sure You only provide Us with sensitive information about other people with their agreement.

Dealing with other people

It is Our policy to deal with Your husband, wife or partner who calls Us on Your behalf, as long as they are named on the policy. If You would like someone else to regularly deal with Your policy on Your behalf, please let Us know. In some exceptional cases We may also deal with other people who call on Your behalf, with Your permission. If at any time You would prefer Us to deal only with You, please let Us know.

Fraud prevention agencies

If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies. Law enforcement agencies may get access to and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:

Checking applications for, and managing credit and other facilities and recovering debt;
Checking insurance proposals and claims;
Checking details of job applicants and employees.

We, and other organisations that may use information recorded by fraud prevention agencies, may do so from other countries.

We can provide the names and addresses of the agencies We use if You would like a copy of Your information held by them. Please contact Us at the address below. The agencies may charge a fee.

If You would like a copy of the information We hold about You, please write to: The Data Protection Officer, Regulatory Risk Department, Churchill Court, Westmoreland Road, Bromley, Kent BR1 1DP quoting Your reference. You may need to pay a fee.

If You would like a copy of the information TPF hold about You, please write to The Data Protection Officer, Risk Team, Tesco Personal Finance, The Forthstone, 56 South Gyle Crescent, Edinburgh, EH12 9LE.

Index

Section 5 Family Legal Protection

Section 6 Home Emergency Assistance

Claims Conditions Applying to Home Policy Sections 1 to 4

Conditions which apply to the whole policy

Exclusions which apply to Sections 1 to 4 and 6 of the Policy

Additional Services provided to Tesco Finest Customers

Section 7 Identity Fraud Detection and Assistance Service
Section 8 Concierge Service - Lifestyle Management

Your Consumer Credit Agreement

Meaning of Words

Your Information

How to make a claim

Here are a few simple steps to follow if You need to make a claim:

Emergency repairs

Emergency repairs should be carried out immediately if they will prevent further loss or damage, e.g. replacing a damaged lock after a break-in or repairing a burst pipe.

Please keep any receipts for these repairs as they will form part of Your claim. Don't forget that the 24 hour Household Emergency Assistance Helpline on 0845 303 5787 is available to help you.

Non - urgent repairs

If the repairs are not urgent You should get at least two estimates and forward these to Us.

If any items are lost or damaged beyond repair then You should provide evidence of value for these, e.g. a valuation or purchase receipt - this will help Us to deal with Your claim more quickly.

If possible retain damaged property until We inspect it or settle Your claim.

How to claim

To make a claim, ring Us to see if Your claim is covered by the policy. If it is we'll register it straight away. If Your claim is for a small amount, We may be able to settle it straight away.

For some large claims, covering a lot of damage or a big loss, We'll ask one of Our property insurance advisers or a loss adjuster to visit Your Home to advise You.

We have a number of approved suppliers and specialists who will carry out repairs and replace damaged items. You can get full details of how We settle claims in the policy section of this booklet.

Involving the Police

You should tell the Police immediately of any loss involving deception, theft, malicious acts or riots or if any property has been lost outside the home.

If a claim is being made against You

If a claim is being made against You for damage or injury please check Claims Condition 3 on page xx of this Policy book.

Helpful numbers

To make a claim call 0845 303 5787
Lines open 8am-8pm Monday to Friday, 9am - 5pm Saturday and 10am-5pm Sunday.

24 Hour Emergency Assistance Helpline 0845 303 5789

Home Repair Network

Tesco Finest Home Insurance includes a Home Repair Network Service. The network includes a database of honest and reputable tradesmen. If your house ever needs repairs, We'll always try to deal with your claim quickly, find the right people for the job and liase with them directly.

We only used vetted builders and we sort all the costs out directly with them. Any work performed by Our builders on Your house will carry a 12 month guarantee.

Essential advice to help You keep Your Home safe and secure.

Security in the Home

Basic security measures, such as door and window security, interior light timers and sensor lights can help prevent burglaries.

We recommend that Your final exit doors should be fitted with at least a 5 lever mortice deadlock and all accessible windows should have key operated window locks.

Intruder alarms can act as a deterrent to burglars. They also alert neighbours that there may be intruders on Your property. If You are considering installing or upgrading an alarm We would recommend that you take professional advice from a professional alarm installer or Your local crime prevention officer. Security lighting can also act as a deterrent for burglars.

When nobody is in Your home, lock all outside doors and windows that can be reached easily. Outside, always make sure You put tools away and lock garden gates, sheds and garages.

Valuables

High value items, such as jewellery, silverware or works of art and some electrical equipment can increase the theft risk, especially if they are portable.

Some tips:

Keep valuables out of sight where possible, particularly when the property is empty.
If You have expensive/valuable jewellery consider storing them in a safe or even in a bank safe deposit.
Compile a photographic/video record of all valuables within the home and store this securely. Retain all receipts, valuations, instruction booklets and manuals.
Security mark Your valuables with Your name, postcode and house number. If you are burgled, it'll be easier to identify and recover Your possessions and it can help when You make a claim.

Outbuildings and garages

Reduce the increased theft risk to outbuildings by fitting locks on doors and windows. Fitting blinds to windows can also help to hide items from view. Lock portable items such as lawn mowers and power tools, and place tools and electrical equipment in containers. Don't leave ladders and tools outside as they can be used to access the house.

Going away

If You're going away, here are a few tips:

Ask friends, family or neighbours to call in regularly to check the property and if possible remove mail from the letterbox and close curtains at the end of each day.
Use light time switchers.
Keep valuable items out of sight and away from windows.
Turn off Your water supply if it not required for heating.

Home Check

Check guttering and drainage for signs of blockages. Use a cover over drains to keep out leaves etc.

Clear vegetation at least annually

Check the shell of Your home for any essential work - ensure roofs and walls are in good order, check exterior paintwork, pointing, fences etc. Check for dry and wet rot.

Get a Corgi registered engineer to inspect gas installations annually.

Get electrical installations in the home checked every 10 - 15 years.

Frozen pipes

Uninsulated pipes exposed to freezing temperatures can cause water to freeze inside them.

This can result in burst pipes once the water thaws so make sure all pipes are lagged.

Make sure tanks and pipes within the loft are in good condition and well lagged.

If going away during the winter months maintain central heating at a moderate level.

In the event of a burst pipe, turn off the stopcock (usually found underneath the sink, below the stairs or cellar) and call our 24 Hour Household Emergency Helpline on XXXXXXXXXX who will be able to help.

1 - Fire safety

The most common cause of fire in the home is cooking. Many fires could be prevented by following these steps:

Never leave pans or candles unattended.
Keep portable heating or cooking appliances away from furnishings and other flammable items.
Don't overload sockets.
When frying, don't fill the pan with oil or fat. If it overheats turn the heat supply off and place a lid or wet towel over the pan and leave to cool. Never pour water directly onto a chip pan fire.
Install a smoke alarm and a carbon monoxide detector. Check batteries once a month and change every year. For added peace of mind you could have a fire extinguisher and blanket in the house.

Visit www.firekills.gov.uk (new window) for more advice

2 - Flood

Listen to local radio and tv for severe weather warnings.
If Your home is in an area at risk of flooding, or you would like information on what to do in the event of a flood, call the Environment Agency on 01276 454 725 or go online at www.environment-agency.gov.uk (new window).
Should Your area be given a warning move as much furniture and items as possible to a higher level. Lift furnishings off the ground.
Placing sandbags by external doors will reduce the flow of water into the property.

If Your home is hit by a flood or storm damage

Inform Us as soon as possible of any damage
Don't use gas or electric services until they have been professionally checked (Your policy covers this cost).
Don't throw damaged items away. Store them in a dry place as they could help support Your claim. We'll be able to tell You what items You need to keep.
Don't appoint any contractors as We may be able to appoint a reputable firm.

USEFUL WEBSITES

The following links open in a new window:

Section 1 Buildings Cover

A - Loss or Damage

We will pay for loss of or damage to the Buildings caused by the following:

Fire, Lightning, Explosion or Earthquake
Smoke - But not loss or damage caused by smog, agricultural or industrial work or anything that happens gradually.
Riot, Civil Commotion, Labour or Political Disturbance
Collision with the Buildings directly caused by any moving object from outside Your Home - But not loss of or damage to hedges, gates or fences by falling trees or branches.
Storm or Flood - But not
1. loss of or damage to hedges, gates or fences.
2. loss or damage caused by frost.
Theft or Attempted Theft - But not
1. loss or damage caused by any paying guest or tenant; or
2. after Your Home has been Unoccupied for more than 60 days in a row.
Vandalism or Malicious Acts - But not
1. loss or damage caused by any paying guest or tenant; or
2. after Your Home has been Unoccupied for more than 60 days in a row.
Water or Oil escaping from any fixed water or heating installation, including underground drains and pipes.or from any domestic appliance - But not
1. after Your Home has been Unoccupied for more than 60 days in a row.
2. loss or damage caused by subsidence, heave or landslip that results from the escaping water.
Subsidence or Heave of the site on which the Building of Your Home stands, or Landslip - But not the following
1. loss or damage caused by:
  1. the sea or river wearing away the land.
  2. the buildings being demolished, altered or having structural repairs carried out
  3. faulty design of, faulty workmanship on or, faulty materials used in the Buildings.
2. loss of or damage to solid floor slabs resulting from them moving unless the foundations beneath the outside walls of Your Home are damaged at the same time by the same cause.
3. loss of or damage to outdoor swimming pools, tennis courts, patios, terraces, service tanks, drains, septic tanks, pipes and cables, central heating fuel storage tanks, drives, footpaths, garden walls, hedges, gates or fences unless Your Home, an outbuilding or garage is damaged at the same time by the same cause.
4. the amount of the "Subsidence" Excess shown in the schedule which applies to any claim for subsidence or heave or Landslip.

B - Extra Cover

Plumbing Installation - We will pay for damage to any part of the plumbing installation in Your Home caused by freezing or bursting. But not:
1. plumbing that is outside or in an outbuilding.
2. loss or damage due to rust, corrosion or wear and tear; or.
3. loss or damage after Your Home has been Unoccupied for more than 60 days in a row.
Service Pipes and Cables - We will pay for accidental damage to underground drains, pipes, cables and tanks which You are legally responsible for and which provide services to or from Your Home.
Glass and sanitaryware - We will pay for accidental breakage of fixed glass in windows, doors or roofs, fixed ceramic hobs or fixed sanitary fittings in Your Home. But not:
1. breakages by any paying guest or tenant; or
2. after Your Home has been unoccupied for more than 60 days in a row.
Locks on outside doors - We will pay the reasonable cost of replacing and fitting locks to the outside doors of Your Home if the keys to Your Home have been lost or stolen.

If You claim for this under Section 2 - Contents , You cannot also claim for the same incident under Section 1 - Buildings of this policy.
Fees and Clearance Costs - We will pay for:
1. Chartered architects', surveyors', consultants' and legal fees, which We consider are necessary to rebuild Your Home but not fees for preparing any claim under the policy. and
2. the costs of clearing the site and making it and the Buildings safe, if We agree that the fees and costs are necessary to repair or rebuild the Buildings after damage covered under Section 1.
Local Authority Requirements - We will pay for the extra cost of rebuilding or repairing the damaged part of the Buildings only if this is necessary to keep to any government or local authority requirement after damage covered under Section 1. But not if You had been told about the requirement before the damage happened.
Alternative Accommodation and Rent - If Your Home is not fit to be lived in after damage covered under Section 1, on top of any other amount We pay under Section 1, We will pay the following:
1. if You live in Your Home, the extra cost of reasonable alternative accommodation for You, Your Family and Your domestic pets.
2. if You rent out Your Home, the rent You would have received but have lost.
We will not pay more than £35,000 in total.
Cover when selling or buying a home
1. If You are selling Your Home the buyer will be covered under Section 1 up to the date the sale completes, unless the Buildings are insured by another policy.
2. If You are buying another property to live in, Your new property will be covered under Section 1 for up to three months from the date contracts are exchanged or, in Scotland, the date Your offer is accepted.
But not:
1. if the property is insured under another policy.
2. after the sale or purchase has completed; or
3. for more than the amount insured for Section 1.
Emergency Entries - We will pay for damage to the Buildings caused when the fire brigade, the police or the ambulance service have to make a forced entry because of an emergency to You or Your Family. The most We will pay for a claim will be £2,000.
Trace and Access - We will pay for the cost of removing and replacing any part of the Buildings necessary to find and repair the source of any escaping water from tanks, pipes, apparatus or fixed heating system of the Buildings. We will not pay the cost of any loss or damage to Your household heating or water system itself.

We will not pay more than £5,000 for any one incident.
Plants in the garden - We will pay for loss or damage to trees, shrubs, plants and lawns by any cause insured by paragraph A of this section 1 while in the open and within the boundaries of Your Home and its land. But not:
1. loss or damage to trees, shrubs, plants and lawns as a result of the ground sinking (subsidence) unless Your Home is damaged at the same time and by the same cause
2. loss or damage caused by domestic pets, animals, wildlife, birds, insects, vermin, fungus or frost
3. trees, shrubs, plants or lawns dying naturally or because You haven't looked after them properly
4. loss or damage to trees, shrubs, plants and lawns on land not belonging to Your Home
5. loss or damage after Your Home has been Unoccupied for more than 60 days in a row
6. more than £250 for any one tree, shrub or plant
7. more than £2,500 in respect of any one claim.

If You claim for this under Section 2 - Contents , You cannot also claim for the same incident under Section 1 - Buildings of this policy.

C - Accidental Damage

Accidental Damage We will pay for accidental damage to the Buildings - But not the following:

damage caused by:
1. any paying guest or tenant;
2. domestic pets;
3. Uninsurable Risks; or
4. faulty design, faulty workmanship or faulty materials.
damage by a cause listed in or specifically excluded in Paragraph A of this Section 1.
the cost of maintenance and routine redecorating.

2 - Repair of Sewer

We will pay for the cost of getting into and repairing the pipe between the main sewer and Your Home if it is blocked.

We will not pay more than £5,000.

3 - Squatters

We will pay for:

legal fees We agree to in writing for evicting squatters from Your Home and
the cost of reasonable alternative accommodation for You, Your Family and Your domestic pets while Your Home is occupied by squatters.

We will not pay more than £20,000.

D - Inflation Protection

The sum insured shown in the schedule for Buildings cover may be adjusted in line with the House Rebuilding Cost Index prepared by the Royal Institution of Chartered Surveyors or another alternative index.

If the sum involved changes, the premium at renewal will be based on the new sum insured shown in Your renewal schedule.

E - Basis of settling claims

We will pay the cost of rebuilding or repairing the part of the Buildings which is damaged by any cause insured under this Section 1. We will not take off any amount for wear and tear as long as at the time of the damage the Buildings were in a good state of repair.
We will not pay for the cost of replacing or repair to any undamaged items solely because they form part of a set, suite, group or collection of items of a uniform design, nature or colour.
We will not pay any drop in the market value of Your Home resulting from rebuilding or repairing damage to the Buildings.
If the damage to the Buildings is not rebuilt or repaired, or the Buildings were not in a good state of repair when damaged, We will decide to either:
1. Pay the cost of rebuilding or repairing the damage, less an amount taken off for any wear and tear or improvement to the condition of the property; or
2. Pay the difference between the value of selling Your Home on the open market immediately before the damage and its value after the damage.
The most We will pay for any one claim will be the total sum insured shown in Your Schedule or the full rebuilding cost, whichever is less, plus any amount We would pay under paragraphs B5, B6, B7, B8 and B10 of this Section 1.
The sum insured will not be reduced as a result of Us paying a claim.
Any amount We pay to settle a claim for loss or damage will be reduced by the amount of any Excess shown in the schedule.

E - Your Liability as the Owner of the Property

We will pay for all amounts You become legally liable for as a result of You owning Your Home and its land, or owning or occupying any previous property, if a claim is being made against You for:

Accidental death of or bodily injury to any person; or
Accidental loss of or damage to property;

which happened during the Period of Insurance shown in the schedule. But not the following:

death of or bodily injury to any member of Your Family or domestic staff.
damage to property belonging to or in the custody or control of You, Your Family or domestic staff, arising from:
1. any profession, business or employment; or
2. an agreement, unless You would have had that liability anyway.

For any claim resulting from one incident We will not pay more than £2,000,000.

We will also pay all costs, and legal fees for defending You, as long as We have agreed to do this in writing beforehand.

Section 2 - Contents

A - Loss or Damage

We will pay for loss of or damage to the Contents while in Your Home caused by:

Fire, Lightning, Explosion or Earthquake
Smoke - But not loss or damage caused by smog, agricultural or industrial work or anything that happens gradually.
Riot, Civil Commotion, or Labour or Political Disturbance
Collision with the Buildings directly caused by any moving object coming from outside Your Home.
Storm or Flood
Theft or Attempted Theft - But not
1. loss or damage caused by any paying guest or tenant
2. loss by deception other than deception used solely to enter into Your Home
3. loss of Money unless force and violence is used to get into Your Home; or.
4. after Your Home has been Unoccupied for more than 60 days in a row.
Vandalism or Malicious Acts - But not
1. loss or damage caused by any paying guest or tenant; or
2. after Your Home has been Unoccupied for more than 60 days in a row.
Water or Oil escaping from any fixed water or heating installation or from any domestic appliance. But not after Your Home has been Unoccupied for more than 60 days in a row.
Subsidence or Heave of the site on which the Building of Your Home stands or landslip.

B - Extra Cover

1 Contents in the Garden

We will pay for loss of or damage to Contents from any cause insured by Paragraph A of this Section 2 while in the open and within the boundaries of Your Home and its land. But not:

after Your Home has been Unoccupied for more than 60 days in a row.
loss of Money; or
more than £1,500 in respect of any one claim.

2 Plants in the garden

We will pay for loss or damage to trees, shrubs, plants and lawns by any cause insured by paragraph A of this section 2 while in the open and within the boundaries of Your Home and its land. But not:

loss or damage to any trees, shrubs, plants and lawns as a result of the ground sinking (subsidence) unless your home is damaged at the same time and by the same cause
loss or damage caused by domestic pets, animals, wildlife, birds, insects, vermin, fungus or frost
trees, shrubs, plants or lawns dying naturally or because you haven't looked after them properly
loss or damage to trees, shrubs, plants and lawns on land not belonging to your home
loss or damage after your home has been Unoccupied for more than 60 days in a row
more than £250 for any one tree, shrub or plant
more than £2,500 in respect of any one claim.

If You claim for this under Section 2 - Contents , You cannot also claim for the same incident under Section 1 - Buildings of this policy.

3 Contents away from Your Home

We will pay for loss of or damage to Contents from any cause insured under Paragraph A of this Section 2 while they are as follows:

within the British Isles and temporarily in
1. a bank safe deposit
2. a private home or caravan that is lived in; or
3. any building where You or any member of Your Family work or live in.
But not
1. loss by deception.
2. loss of Money.
elsewhere in the British Isles.

and not the following:

loss of or damage to property in a purpose-built furniture storage area other than the cover explained in B12 of this Section 2
loss of Money.
loss or damage caused by:
1. vandalism or malicious acts.
2. storm or flood to property not in a building or caravan; or
3. theft unless:
  1. force and violence is used to enter a building or caravan; or.
  2. by robbery while property is being worn or carried.

We will not pay more than £10,000 of the contents sum insured for any one claim.

4 Contents at University/College

We will pay up to £5,000 of the sum insured for Contents, for loss or damage due to any cause insured under paragraph A of this section 2 to Contents temporarily removed from the home while a member of Your Family is attending college, university or boarding school.

But not loss or damage by a cause listed in or specifically excluded by Section B3 of this section or Contents taken outside the British Isles.

5 Glass

We will pay for accidental breakage of mirrors, fixed glass in furniture, pictures or ornaments, plate glass tops to furniture and ceramic hobs while in Your Home. But not

breakage by any paying guest or tenant; or
after Your Home has been Unoccupied for more than 60 days in a row.

6 Home Entertainment Equipment

We will pay for accidental damage to television sets, video cassette recorders, recording and audio equipment, radios, home computers, monitors and television games while in Your Home. But not

damage to records, any kind of disc or disks, tapes or cassettes
damage caused by any paying guest or tenant
uninsurable risks or
after Your Home has been Unoccupied for more than 60 days in a row.

7 Alternative Accommodation and Storage

If You live in Your Home, We will pay, on top of any other amount We pay under Section 2:

The cost of reasonable alternative accommodation for You, Your Family and domestic pets; and
The cost of temporarily storing the Contents of Your Home;

while Your Home is unfit to live in after loss or damage caused by anything insured under Paragraph A of this Section 2.

For any claim, We will not be pay more than 30% of the sum insured by this Section 2.

Oil and Metered Water

We will pay for the loss of oil from the domestic heating installation and loss of metered water after accidental damage to the Buildings.

8 Locks on outside doors.

We will pay the reasonable cost of replacing and fitting locks to the outside doors of Your Home or to any safe or alarm system in Your Home if the keys to the locks have been lost or stolen.

9 Title Deeds

We will pay the reasonable cost of preparing new title deeds to Your Home after loss or damage caused by anything insured by Paragraph A of this Section 2 while the deeds are in Your Home or in Your bank for safe keeping.

10 Seasonal Increase

From 1 December to 15 January (if within the Period of Insurance shown in the schedule), We will increase the sum insured shown in the schedule under this section 2 by 20% of the sum insured for contents.

11 Wedding gifts

During the four weeks before and the four weeks after the wedding day of You or any member of Your Family (if this is within the Period of Insurance shown in the schedule) We will increase the sum insured shown in the schedule under this Section 2 by 20% of the sum insured for Contents.

12 Birth increase

During the four weeks before and the four weeks after the birth of a child to any member of Your Family (if this is within the Period of Insurance shown in the schedule), We will increase the sum insured shown in the schedule under this section 2 by 20% of the sum insured for Contents.

13 Household Removal

We will pay for accidental loss of or damage to the Contents while they are being permanently removed by a professional removal firm, from Your Home to any other private property You are going to live in within the British Isles, including while they are temporarily stored for up to 72 hours. But not

loss of or damage toMoney or Valuables.
loss of or damage to china, glass, earthenware or other fragile items, unless they were packed by professional packers.
loss or damage caused by Uninsurable Risks.

14 Downloaded Information

We will pay the cost of replacing information that You have bought and stored on Your home entertainment equipment or mobile phone and that is lost or damaged as a result of any cause listed in paragraph A of this section 2. But not the cost of:

remaking a film, tape, disk or disc; or
rewriting the information contained on Your home entertainment equipment.

The most We will pay for one claim will be £2,000.

C - Accidental Damage

1. Accidental Damage

We will pay for accidental damage to the Contents while in Your Home - But not

damage to contact or corneal lenses,
damage to pedal cycles or Money.
damage caused by any paying guest, tenant or domestic pets
Uninsurable Risks.
damage by a cause listed in or specifically excluded by Paragraph A of this Section
damage caused during any household removal.

D - Frozen Foods

We will pay the costs of replacing food spoilt in any freezer or fridge in Your Home because of a rise or fall in temperature, or the refrigerant or refrigerant fumes escaping. But not

any deliberate act of the electricity provider or its employees.
any claim where the refrigeration unit of the appliance is over 10 years old unless it is regularly serviced under a maintenance contract; or
after Your Home has been Unoccupied for more than 60 days in a row.

For any claim, We will not pay more than the limit shown in the schedule.

E - Inflation Protection

The sums insured shown in the schedule for Contents cover will be adjusted in line with the Consumer Durables Index of the Retail Price Index or a suitable index.

The premium at renewal will be based on the new sum insured shown in Your renewal schedule.

F - Basis of settling claims

For any one item of Contents or part of a set or suite that is lost or damaged, We will decide to either:
1. pay the cost of replacing the item or part as new; or
2. replace the item or part as new; or
3. pay the cost of repairing the item or part; or
4. make a cash payment which will not be more than the amount it would have cost us to replace, or repair the item using our own suppliers.
We will not pay for the cost of replacing or repair to any undamaged items solely because they form part of a set, suite, group or collection or items of a uniform design, nature or colour.
We will reduce any claim payment for any item or part which is not replaced or repaired to take account of wear and tear or improvement in their condition.
The most We will pay for any one claim will be the total sum insured on Contents shown in the schedule up to the following limits:
1. We will not pay more than the individual sum insured for any item.
2. We will not pay more than £500 for Money.
3. We will not pay more than £1,000 for Credit Cards.
4. We will not pay more than £3,000 for any one Valuable unless the schedule shows otherwise.
5. We will not pay more than the amount shown in the schedule for any loss of or damage to Valuables.
6. We will not pay more than the amount shown in paragraphs B1, B2, B3 and B4 and B15 of Section 2.
On top of any other amount, We will pay the amount shown in paragraphs B7, B11, B12 and B13 of Section
If You claim for an item specified in Your schedule, You will need to provide proof of the item's value. To help you do this We recommend that You keep photos, instruction booklets and copies of valuations and receipts to help You do this.
The sum insured will not be reduced after We pay a claim unless the claim relates to the total loss of any item specified in Your schedule.
Any claim payment for loss or damage will be reduced by the amount of any Excess shown in the schedule.

G - Liabilities

1 Occupiers and Personal Liabilities

We will pay all amounts You or any member of Your Family, become legally liable for as a result of living in Your Home, or for any other reason, as a result of:

Accidental death of or bodily injury to any person; or
Accidental loss of or damage to property

Caused during the Period of Insurance shown in the schedule.

But not Liability for:

death of or bodily injury to any member of Your Family or Your domestic staff
damage to property belonging to or in the custody or control of You, Your Family or domestic staff; or
claims arising from the following:
1. You or any member of Your Family owning any land or building, or You or any member of Your Family occupying any land or building other than Your Home or temporary holiday accommodation.
2. Any profession, business or employment.
3. An agreement unless that liability would have existed anyway.
4. You or any member of Your Family owning, keeping or using any
5. Any communicable disease (one able to be passed from one person to another).
6. You or any member of your family owning or having a dangerous dog as defined under the Dangerous Dogs Act 1991 or the Dangerous Dogs (Northern Ireland) Order 1991 and any changes to that legislation.

For any claim resulting from one incident We will not pay more than £2,000,000. We will also pay costs, expenses and legal fees We have agreed to in writing.

2 Employers Liability

We will pay all amounts which You become legally liable to pay for accidental death of or bodily injury to Your domestic staff during the Period of Insurance shown in the schedule.

For any claim arising from one incident, We will not pay more than £10,000,000. We will also pay costs, expenses and legal fees We have agreed to in writing.

3 Tenants Liability

We will pay all amounts You become legally liable to pay, as a tenant of Your Home, for damage caused to the Buildings during the Period of Insurance shown in the schedule by any cause covered by paragraphs A, B1, B2 and B3 of section 1 of this policy.

For any claim resulting from one incident, we will not pay more than 20% of the total sum insured by this section.

4 Liability of Others

We will pay the amount of any damages and costs awarded to You by a court in the United Kingdom if that amount has not been paid to You within three months of the date of the award.

We will only make payment if paragraph G1 of this Section 2 would have insured You if the award had been made against You or any member of Your Family. But not if:

the decision is going to appeal; or
the incident giving rise to the claim happened outside any Period of Insurance.

For any claim resulting from one incident We will not pay more than £2,000,000.

Section 3 - Personal Possessions

A Loss or Damage

We will pay for accidental loss of or damage to Personal Possessions and any other item specified in the Personal Possessions Section of the schedule while that property is within the British Isles.

But not the following:

loss of or damage to:
1. pedal cycles or their accessories.
2. property more specifically insured by any other policy; or.
3. property held or used for any profession, business or employment.
loss or damage caused by:
1. theft by deception.
2. theft from an unattended motor vehicle unless the item is hidden from view within the vehicle and violence and force is used to get into the vehicle.
3. Customs or other officials confiscating or keeping hold of the items; or.
4. Uninsurable Risks.
loss or damage by any cause mentioned in Paragraph A of Section 2 - Contents insurance.

B Extra cover

1 Money

We will pay for accidental loss of Money anywhere in the world in the custody or control of You or any member of Your Family. But not

shortages caused by mistake.
any loss in value.
losses not reported to the police within 24 hours of being discovered.
loss or damage by items being confiscated or held by customs or other officials.

For any claim We will not pay more than the limit shown in the schedule.

2 Credit Cards

We will pay for financial loss after an unauthorised use of Credit Cards. But not

unauthorised use by any member of Your Family;
loss where You have not kept to the conditions the Credit Card was issued under; or
losses not reported to the police and the credit card provider within 24 hours of being discovered.

We will not pay any more than the limit shown in the schedule.

3 Overseas Travel

The insurance provided under Paragraph A of this section 3 will apply to the property insured while temporarily outside the British Isles and while in the custody or control of You or any member of Your Family or locked in a hotel safe.

4 Items in a Bank

We will pay for accidental loss of or damage to items described in the schedule as being held in a bank or safe deposit. But not while the items are removed from the bank or safe deposit.

C Inflation Protection

The sums insured shown in the schedule for Personal Possessions will be adjusted each month in line with the Consumer Durables Index of the Retail Price Index or another suitable index.

The premium at renewal will be based on the revised sums insured shown in Your renewal schedule.

D Basis of settling claims

For any one item of Personal Possessions or part of a set that is lost or damaged We will decide to either:
1. pay the cost of replacing the item or part as new; or
2. replace the item or part as new; or
3. pay the cost of repairing the item or part; or
4. make a cash payment which will not be more than the amount it would have cost Us to replace or repair the item using Our own suppliers.
We will reduce any claim payment forany item or part which is not replaced or repaired to take account of wear and tear or an improvement in their condition.
The most We will pay for any one claim will be the total sum insured on Personal Possessions shown in the schedule up to the following limits:
1. We will not pay more than the individual sum insured for any item
2. We will not pay more than £3,000 for any one item, set or collection unless the schedule states otherwise.
We will also pay any amount due under paragraphs B1 and B2 of this section 3.
If You claim for an item specified in Your schedule, You will need to provide proof of the item's value. To help You do this, We recommend that You keep photo's instruction booklets, copies of valuations and receipts.
The sum insured will not be reduced after We pay a claim unless the claim relates to the total loss of any item specified in Your schedule.
Any claim settlement for loss or damage will be reduced by the amount of any Excess shown in the schedule.

Section 4 - Pedal Cycles

A Loss or Damage

We will pay for accidental loss of or damage to pedal cycles and their accessories within the British Isles and belonging to You or any member of Your Family. But not the following:

loss of or damage to:
1. tyres or accessories unless the cycle is lost or damaged at the same time;
2. the cycle while being used for racing, pacemaking or trials, or to
3. cycles more specifically insured by any other policy.
loss or damage caused by:
1. theft or deception or when the cycle isunattended and is not in a locked building or immobilised by a security device
2. Customs or other officials confiscating or keeping hold of the cycle; or.
3. Uninsurable Risks.
loss or damage by any cause mentioned in Paragraph A of Section 2 - Contents.

B Overseas Travel

The insurance under paragraph A of this section 4 will apply to the insured cycle while temporarily outside the British Isles and while in the custody or control of You or any member of Your Family.

C Basis of settling claims

For any one cycle lost or damaged We will decide to either:
1. pay the cost of replacing the cycle; or
2. replace the cycle; or
3. pay the cost of repairing the cycle; or
4. make a cash payment which will not be more than the amount it would have cost Us to replace the cycle using Our own suppliers.
The most We will pay for any one cycle will be the limit shown in the schedule.
Any claim settlement will:
1. not be more than the sum insured shown in the schedule; and
2. be reduced by the amount of any Excess shown in the schedule.

Section 5 - Family Legal Protection

How to make a claim for legal expenses

Phone Our legal advice helpline on 0845 303 0899. Please have Your Home insurance policy number available when You call.
You must report any potential claim to the legal advice helpline as soon as possible, and always within 180 days of the date that You knew or should have known about the incident.
We will send You a claim form to fill in and return to Us.

Legal helpline - 0845 303 0899

You can ring the helpline to discuss any private legal problem. This service is here to help, so please feel free to use it.

While You have a current policy with Us, the helpline is available 24 hours a day, seven days a week. In particular, if something You are proposing to do may result in a legal claim, You must talk to Us first.

For extra security, We may record all phone calls and keep the recording secure.

Section 5 - Definitions which apply to Family Legal Protection

The following definitions are in addition to or may replace those shown on pages 53, 54 and 55 of the policy. In this section 5 only, the words below will have the following meanings:

Costs

The Solicitor's reasonable and proportionate professional fees and expenses allowed by the Civil Procedure Rules. It also covers Your opponent's costs which You are ordered to pay by a court or tribunal, and other costs We agree to in writing. The most We will pay will be £100,000 for any claim or claims arising from any one incident. This includes Your costs and Your opponent's costs.

Date of Incident

Either:

the date of the incident that has led to this claim; or
the date of the first incident, if there are a number of incidents;

whichever is earlier.

Full enquiry

A thorough examination of all aspects of Your personal tax affairs by HM Revenue & Customs.

Period of Cover

The period You are insured for, as shown in Your policy schedule.

Solicitor

Any suitably qualified person appointed to represent You under this section 5.

Territorial limits

The United Kingdom. For claims relating to 'personal injury' and 'contract dispute', the territorial limits also include the European Union, Albania, Andorra, Bosnia Herzegovina, Bulgaria, Croatia, Gibraltar, Iceland, Liechtenstein, Macedonia, Monaco, Montenegro, Norway, Romania, San Marino, Serbia, Switzerland and Turkey (west of the Bosphorus).

United Kingdom - Great Britain, the Isle of Man, the Channel Islands and Northern Ireland.
You, your - The person named as the Policyholder in the schedule and members of Your Family.

Cover provided

We will pay the following:

1 Legal costs

We will cover Your Costs in the event of the following:

Personal injury - death or bodily injury to You.
Contract dispute - a dispute arising out of an agreement which You have for:
1. buying or hiring goods or services;
2. selling goods; or
3. buying or selling Your Home.
Property protection - a dispute arising out of You owning or living in Your Home.
Employment - a dispute arising out of Your employment.
Tax protection - a full enquiry by HM Revenue & Customs, if the enquiry resulted from Your work as an employee.
Inheritance dispute - a dispute over something left to You in a will.
Legal defence - Your work as an employee which leads to:
1. You being prosecuted in a magistrates' or crown court;
2. civil action being taken against You for unlawful discrimination because of someone's sex, race, disability, religious belief or political opinion; or
3. civil action being taken against You under section 13 of the Data Protection Act 1998.
Motoring prosecution - You being prosecuted for an offence connected with using or driving a motor vehicle.

2 Salary while You attend Jury Service

We will pay Your salary or wages for each half or whole day You attend jury service if You cannot claim them back from the court or from Your employer.

The cover provided by this section 5 only applies if:

the Date of Incident is within the Period of Cover and the incident happens within the Territorial Limits;
any legal proceedings are carried out within the Territorial Limits by a court or other organisation which We agree to; and
it is always more likely than not that You will be successful with Your claim.

General exceptions which apply to Family Legal Protection cover

You are not covered for any of the following:

Any claim You report to Us more than 180 days after the date You knew about, or should have known about, the incident leading to the claim.
Costs You have paid or will have to pay before We have agreed to them.
Your Costs in any action against another person who is insured by this policy.
Any claim arising out of a divorce, matrimonial dispute or proceedings, living with someone, custody of children, access to children, maintenance payments, or a maternity or paternity lawsuit.
Any application for a judicial review.
Any dispute between You, Us and Tesco Personal Finance other than as shown in General Condition 5 on page 35.
Any incident which begins before cover starts.
Any Costs if You:
1. stop or settle a claim, or withdraw instructions from the Solicitor, without good reason; or
2. make a false claim or knowingly give Us any information which is not correct or complete.

If either of these apply, You will then have to refund any costs and expenses We have paid or agreed to pay during Your claim.

Specific Exceptions

You are not covered for any of the following:

Personal injury

Any illness or injury which develops gradually or is not caused by a specific or sudden accident.
Defending Your legal rights in claims against You.

Contract dispute

Any claim arising out of advice, specification, design, construction, conversion or extension on any land or relating to any buildings.
Any claim relating to leases, tenancies or a licence to occupy.
Any claim arising out of a contract You have entered into in connection with a profession, business or trade, other than as provided for under 'Employment' (see page 31).

Property protection

Any claim if the Date of Incident is less than 90 days after cover started.
Defending Your legal rights in claims against You.
Any building or land other than Your Home.

Employment

Any claim if the Date of Incident is less than 90 days after cover started.
Any Costs relating to internal grievance procedures or disciplinary hearings.
Any claim started in the county court or high court or the equivalent courts in Scotland.
defending Your legal rights in claims against You.

Motoring prosecution

Any claim involving You driving a motor vehicle for which You do not have valid motor insurance.
Parking offences.

General conditions which apply to Family Legal Protection cover

If You do not keep to the following conditions, We may cancel this cover, refuse any claim and withdraw from any current claim.

1 You must do the following:

Let Us have full details of Your claim and any other information that We or the Solicitor ask for. (You must pay any costs involved in providing this information).
Fully co-operate with the Solicitor and Us, and not do anything which might damage Your claim. If We ask, You must tell the Solicitor to give Us any documents, information or advice that they have or know about.
Tell Us about any developments affecting Your claim.
Tell Us if the Solicitor refuses to continue to act for You or if You withdraw Your instructions.
Tell Us if anyone makes a payment into court or offers to settle Your claim.
Try to get back any Costs that We have to make, and pay any recovered Costs to Us.
Get Our agreement before You negotiate or settle a claim.

2 Appointing a Solicitor.

We have chosen a panel of legal firms to provide legal services. These firms may make payments to Us for being members of the panel. While You are responsible for any legal Costs they charge, Your policy will cover them as long as You keep to the policy conditions.
If We accept Your claim, We or a Solicitor appointed by Us will try to settle the matter without having to go to court.
If it is necessary to take Your claim to court, or if there is a conflict of interests, You can choose the Solicitor to act for You. Otherwise, We will appoint a Solicitor for You.
The Solicitor will be appointed by You or by Us to act for You according to Our standard terms of appointment. (You can ask Us for a copy).
You must not enter into any agreement relating to charges with the Solicitor without getting Our permission first.
If a Solicitor refuses to continue acting for You with good reason, or if You dismiss them without good reason, Your cover will end immediately unless We agree to appoint another Solicitor.

3 You must tell Your Solicitor to do the following:

Get Our written permission before instructing a barrister or an expert witness.
Tell Us immediately if it is no longer more likely than not that You will be successful with Your claim.

4 We can do the following:

Contact the Solicitor at any time, and he or she must co-operate fully with Us at all times.
Decide to settle Your claim by paying the amount in dispute. If Your claim is not for damages, We may decide to settle Your claim by paying You the equivalent financial value of Your claim.
Refuse to pay further Costs if You do not accept a reasonable offer to settle Your claim.
Refuse to pay further Costs if it is no longer more likely than not that You will be successful with Your claim.

5 Disputes.

You have the right to refer any disagreement between You and Us to arbitration. The arbitrator will be a solicitor, barrister or other suitably qualified person that You and We agree on. If we cannot agree, the arbitrator will be chosen by the president of the Law Society (or other similar organisation) for that part of the Territorial Limits whose law governs this section of the policy. We and You must keep to the arbitrator's decision. Whoever loses the arbitration will pay for all the costs and expenses of the arbitration.

You may also refer any disagreement between You and Us to the Financial Ombudsman Service, which is a service offered to You free of charge. (See page 4 for details of Our complaints procedure.)

The claims conditions which apply to the whole policy do not apply to this section 5.

Section 6 - Home Emergency Assistance

Section 6 - The following definitions are in addition to or may replace those shown on pages 53, 54 and 55 of the policy.

In this Section 6 only, the words below will have the following meanings

Authorised Repairer

A person, company or organisation appointed by Us to temporarily or permanently put right, repair or prevent further damage by making safe the Emergency where possible.

Beyond Economic Repair

The point at which our Authorised Repairer estimates that the cost of repairing the boiler/appliance is more than the cost of replacing the boiler/appliance.

If We decide Your boiler is beyond economic repair, We will pay an amount towards the cost of a new one in accordance \with the scale shown below:

Age of boiler	Amount payable
1-5 years	£250
6-10 years	£100

Call Out

The sending of an Authorised Repairer following a request for emergency assistance, even if the request is then cancelled by You.

Electrical Supply

The permanent electrical supply system in the home supplying electrical power to internal wall sockets, switches, bulb sockets and fuse boxes which are all beyond the electricity company's supply meter.

Emergency

An incident in the home occurring during the period of insurance, which if not dealt with quickly will:

make the home unsafe or insecure for its occupants; or
cause damage to the home and its contents; or
leave the Home with a total loss of its Main Source of Heating, lighting or hot or cold water.

Emergency Assistance

Work carried out by an Authorised Repairer to temporarily or permanently put right, repair or prevent further damage occurring by making safe the emergency where possible.

But not the permanent reinstatement of pathways and driveways needing to be removed or replaced in order to deal with the emergency.

Geographical Limits

The United Kingdom including the Isle of Wight, Isle of Man, Northern Ireland, and the Channel Islands but not the Scilly Isles or the Scottish Islands

Home

The private home at the address shown in the schedule, together with integral or attached garages used for domestic purposes

But not detached garages and outbuildings

Internal Plumbing and Drainage

The domestic sanitary fittings, hot or cold water supply, storage and drainage systems for which You have responsibility and that are located within the Home

Main Source of Heating

The main hot water or central heating system in Your Home including:

one domestic boiler
any controls forming an integral part of the boiler; and
the programmer, central heating pump, hot water cylinder, room thermostat and radiators

But not

any form of underfloor heating, solar heating system or warm air heating systems
any non-domestic boiler and associated system
any boiler with an output of over 60KW; or
any boiler over 10 years old
any secondary or other boiler.

Period of Insurance

The period You are insured for, as shown in Your Home insurance schedule

Permanent Repair

Repairs and/or work required to resolve the emergency v caused to the Home by the emergency.

Pests

wasps' and /or hornets' nests;
mice;
rats; or
grey squirrels.

Temporary Repair

Repairs and/or work that may resolve an emergency but may need to be replaced by a permanent repair.

Security

The external locks, doors and windows of the Home

Underground External Drainage

The drainage pipes and sewers within the Home, together with those underground and outside the Home for which you have legal responsibility, but only as far as the junction with the mains services

But not cesspits, septic tanks, treatment plants and associated pipe work and equipment

You/Your/Yours

The person named as the policy holder in the schedule or any person authorised by you to be in the Home at the time of the emergency.

Cover Provided

In the event of an emergency occurring in Your Home, We will:

Advise you how to protect yourself and the Home immediately when you call us
Send an Authorised Repairer to Your Home or arrange an appointment for an Authorised Repairer to visit Your Home at a mutually agreed time.
Organise and pay the cost of providing emergency assistance, including call-out, labour at the Home and parts up to a total of £500 per Call Out including VAT for the areas detailed in this Section 6

Major emergencies which could result in serious damage or danger should be immediately reported to the Public Supply Authority or the Public Emergency Services. If you ever smell gas or detect a leak, you should call Transco direct on their emergency number 0800 111999.

1 - Electrical Wiring

We will pay the cost of emergency assistance necessary as the result of the failure of the permanent electrical supply in the Home.

But not Any electrical wiring that is not permanent (e.g. fairy lights) and/or is situated outside of the Home (e.g. wiring to satellite dishes, aerials etc).

2 - Plumbing and Drainage

We will pay the cost of emergency assistance necessary as a result of an emergency to:

Internal plumbing and drainage; or
Underground external drainage

But not

The costs of repairs to the underground water supply of the Home.
Shared drainage facilities except within the boundary of Your Home
More than your share of the costs where the property is a flat or maisonette
After Your Home has been Unoccupied for more than 60 consecutive days

3 - Security

We will pay the costs of emergency assistance necessary as a result of failure of or damage to the external locks, doors and windows of Your Home.

But not

Replacement locks as a result of the theft or loss of keys to the Home
The repair or replacement of any intruder or alarm systems
Damage to external glazing unless it renders the Home unsafe or insecure
After Your Home has been Unoccupied for more than 60 consecutive days

4 - Heating

We will pay the cost of emergency assistance as a result of the failure of the Main Source of Heating in the Home

But not

The cost of repairing a boiler which is more than 10 years old
The cost of repairing a boiler with a maximum output of more than 60KW
Gas leaks from any pipes or gas fired appliances
The cost of repairing a boiler/appliance that is, in our opinion, beyond economical repair
The cost of replacing the central heating boiler, storage/panel heater or appliance
The cold water supply tank, its feed and outlet
Any domestic water supply from the hot water cylinder or gas appliance, to and including the taps
The repair or replacement of radiators (leaking radiators will be isolated)
Clearing airlocks or bleeding radiators
Removal of asbestos associated with repairing the appliance or system
After Your Home has been Unoccupied for 60 consecutive days

5 - Pests

We will pay for the cost of extermination and/or control of pests in the home in the event of an emergency

But not

after Your Home has been unoccupied for more than 60 days in a row.
An emergency if you have failed to follow recommendations made by us on pest prevention.

General Exceptions which apply to Home Emergency

We will not pay for the following:

Any loss or damage occurring prior to the start of cover
Any loss or damage which occurs during the first 14 days following the start of your Home Emergency cover
The cost of any work which is carried out prior to our approval or by anyone other than an Authorised Repairer
Any items that need replacing as a result of normal use such as replacement light bulbs and fuses in plugs
Any loss or damage caused by uninsurable risks
Any loss or damage caused by any wilful act by you or anything you do not do
Any loss or damage caused by fire, lightening, explosion, earthquake, flood, storm, subsidence, heave or landslip, malicious damage, theft or attempted theft (except where in relation to locks, doors and windows), structural repairs, alteration or demolition, faulty workmanship or the use of defective materials
Further loss or damage of any kind resulting from an emergency
Any loss or damage occurring outside the legal boundaries of the Home, except as provided under the definition of underground external drainage
Any loss or damage arising from the interruption or disconnection of public services to Your Home, or from the main electricity, water or gas supply system not working properly or breaking down or gas leaks
Any system or equipment which has not been installed, maintained or repaired according to the manufacturer's instructions, or has not been used properly, or modified properly, or which is faulty as a result of a manufacturers or designers defect
Any loss or damage to any decoration, fixtures or fittings which are removed or replaced in the process of providing the emergency assistance
Replacement of the system and/or appliance in the event that spare parts or components are not available after a reasonable search of stockists

General Conditions which apply to Home Emergency

1. Requests for emergency assistance

You must contact us without delay whenever an emergency arises that may result in a Call Out.

All requests for emergency assistance must be made to the Helpline on 0845 303 5789 within 24 hours of discovering the emergency and not direct to a repairer

2. Prevention of loss

You must take all reasonable steps to prevent loss, damage or breakdown and to maintain the Home, its systems and appliances in good repair.

3. Spare or replacement parts

Spare or replacement parts may not be from the original manufacturer and will not necessarily be on a like-for-like replacement. We cannot be held responsible for delay in supplying spare or replacement parts

4. Pay on use

Should an emergency arise that is not included under Home Emergency cover, where possible, we can arrange for an Authorised Repairer to attend Your Home but you will be responsible for all costs involved. The use of this service does not constitute a Call Out.

Claims Conditions

1 - Reporting a Claim

When You find out about the possibility of a claim under this policy, You must tell Us as soon as possible.

2 - Loss or Damage Claims

For any loss or damage claim You must do the following:

at Your expense, provide Us with any information and evidence We ask for including written estimates and proof of ownership or value.
Immediately tell the police about any loss or damage by deception, theft, attempted theft, vandalism, malicious acts, riot or civil commotion or if any property has been lost outside Your Home.

3 - Liability Claims

For any liability claim You must:

send Us any letter, claim, writ or summons in connection with the claim or potential claim as soon as You receive it
not admit, deny, negotiate or settle a claim without Our written consent.

4 - Abandonment

You cannot abandon property to Us.

5 - Enforcing Your Rights

You, or anyone else claiming under this policy must not admit to any claim, promise any payment or refuse any claim without Our written consent. If We want to, We can take over and conduct in Your name, or in the name of the person claiming under the policy, the defence or settlement of any claim or take proceedings for Our own benefit to recover any payment We have made under this policy. We shall have full discretion in the conduct of any proceedings or the settlement of any claim. The person who is seeking payment under this policy shall give Us all the information and assistance necessary for them to achieve a settlement.

6 - Other Insurances

If there is any other insurance covering the same loss, damage or liability We will only pay Our share of any claims.

Conditions which apply to the whole Policy

1 - Policy Terms and Conditions

You and any other person entitled to benefit under this policy must keep to its terms, conditions and Endorsements.

2 - Preventing Loss

You must take all reasonable steps to:

prevent any loss, damage or accident; and
maintain the insured property in good condition and repair.

3 - Cancellation

You may cancel the policy by giving Us written notice. We will refund any premium paid for the remaining Period of Insurance, less Our cancellation charge as shown in Your schedule, as long as You have not made any claim in the current Period of Insurance.
We may cancel the policy by sending seven days' written notice to You at Your last-known address. We will refund any premium paid for the remaining Period of Insurance, as long as You have not made any claim up to the date of cancellation.

4 - Payment of Premium

If You do not pay a premium on time, We will assume that You intend to cancel the policy and cover under this policy will end from the date the payment was due.
If You are paying Your premium by instalments, and We pay a claim under Your policy, You must pay the premium outstanding up to the end of Your policy period.. If You don't, We can take the amount You owe Us from any claim We pay.

5 - Automatic Renewal

When Your policy is due for renewal, We may offer to renew it for You automatically.This saves You the worry of remembering to call Us before the policy ends. If We offer to do this for You, We will write to You before Your policy ends with full details of Your next year's premium and policy conditions. If You do not want to renew the policy, all You need to do is call Our customer priority line on 0845 303 8789 to let Us know.

6 - Fraud

If any claim or part of a claim is fraudulent or false, the Policy will be cancelled and all cover under it will end.

7 - Changes that may affect Your cover

You must tell Us as soon as possible if there are any changes that may affect Your insurance, such as the following:

If You change the address where You normally live
If any work is being done to Your Home other than routine maintenance or decoration
If You or any member of Your Family is prosecuted for or convicted of any offence (excluding motoring offences).
If You let Your Home out to tenants or a lodger moves in
If Your Home is used for business or as a holiday home.

We may then reassess Your cover and premium either immediately or at Your next renewal date depending on the information You have provided.

Note. The list above does not set out all changes You must tell Us about. If You are not sure whether a change may affect Your cover, contact Us anyway.

Policy amendments resulting in a premium adjustment may be subject to an amendment charge.

8 - Number of bedrooms

You must tell Us if the number of bedrooms in Your Home changes from what is shown in the Proposal Confirmation.

Exclusions which apply Sections 1 to 4 and 6 of the Policy

This policy does not cover claims arising from the following:

1 - Radioactive Contamination

Any expense, legal liability or any loss or damage to property directly or indirectly caused by, arising from or contributed to by:

Ionising radiation or radioactive contamination from any nuclear fuel or from any nuclear waste from burning nuclear fuel or
the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or nuclear part of that equipment.

2 - War Risks

Any result of war, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, or similar event.

3 - Sonic Bangs

Loss or damage caused by pressure waves from aircraft or other flying objects travelling at or above the speed of sound.

4 - Existing Damage

Any loss or damage that happened before cover started.

5 - Failure of computers and electrical equipment

Damage or loss directly or indirectly due to:

any computer or other electrical equipment or component failing to correctly recognise any date as its true calendar date or
Computer viruses

6 - Pollution or Contamination

Any expense, legal liability or any loss or damage to property directly or indirectly caused by pollution or contamination, unless arising from oil leakage from any fixed heating installation or from any domestic appliance in Your Home during the Period of Insurance.

7 - Terrorism

Any expense, legal liability or any loss or damage to property directly or indirectly caused by terrorism.

Terrorism is defined as any person or people, whether acting alone or in connection with any organisation or government, using biological, chemical or nuclear force or contamination, whether or not committed for political, religious, ideological or similar purposes, including intending to influence any government or to put members of the public in fear.

8 - Deliberate loss or damage

Any loss or damage caused, or allowed to be caused, deliberately or wilfully by any of your Family, paying guest or tenant.

Additional services provided to Tesco Finest customers

As a Tesco Finest Home Insurance customer the following services are provided as additional benefits of the product and do not form part of the policy.

Section 7 Identity Fraud Detection and Assistance Service

This service is provided as an additional benefit of the product and does not form part of the policy.

UK Insurance Limited and Tesco Personal Finance cannot accept responsibility for the unavailability, quality or standard of advice or service provided nor for any consequences resulting from or arising out of the use of these services apart from in the case of injury and death.

Meaning of Words

The following definitions are in addition to or may replace those shown on page 53, 54 and 55 of the policy.

In this Section X only, the words below have the following meanings

CreditExpert - the online credit monitoring and identity fraud protection service provided by Experian.
Experian, - a UK credit reference agency - appointed by Us to administer this Identity Fraud Detection and Assistance Service.
Identity Fraud - the stealing of Your personal details - for example by taking information from stolen credit cards, passports or bank statements for the purposes of fraudulently obtaining goods and services.
Credit report:- personal record of your current and recent credit commitments such as credit cards, loans and mortgages, your repayment history and other information that helps lenders to avoid fraud and assess the likelihood that you will be able to make repayments. It includes any court judgments made against you and whether or not you have taken out an individual voluntary arrangement (IVA) or been made bankrupt within the previous six years. Other information featured on the credit report are financial associations with others, any aliases you may be known by, details from the electoral roll, any linked addresses and any credit report searches made in the previous 12 months.
You, your - Tesco Finest Home Insurance policyholder
We, our - Experian

The Identity Fraud Detection and Assistance Service provides:

Unlimited online access to Your Experian credit report.
Weekly e-mail or text alerts. Alerts via SMS or e-mail whenever a significant change occurs to Your credit report, allowing You to take quick, preventative action.
Access to Experian's Victims Of Fraud team. In the event of Identity Fraud, a personal case handler from Experian's Victims Of Fraud team will work with You to provide advice, support and assistance until the disputed entries on the credit report are resolved.
Free credit report phone advice from the Credit Expert customer helpline team.
Credit tips and tools.
Online quarterly newsletter on the latest credit issues.

In order to sign-up and obtain the benefits from this service go online to www.creditexpert-tescofinance.co.uk.

On this site You will need to provide your surname and Tesco Finest policy number to allow Experian to validate You as a Tesco Finest Home Insurance customer. You will then be provided with a voucher code and directed to the CreditExpert web site via a link. You will then enter the voucher code when asked for payment details and complete the sign up process in order to become a full member. . Terms and Conditions apply.

Conditions which apply to Section 7

This service is available to United Kingdom residents only.
Membership/access to this service provided by Experian lasts for the duration of the Enhanced Home Insurance policy. This service will end if your Tesco Finest Home Insurance policy is cancelled.
One Identity Fraud Detection and Assistance Service membership is available per Tesco Finest policy.

General exclusions which apply to section 7

The service is only provided if the date that You knew or should have known of the Identity Fraud is within the Period of Cover.
Any financial loss or costs You incur following the Identity Theft.
Advice, support or assistance for Identity Fraud outside the United Kingdom.

Section 8 Concierge Service

Lifestyle Management

This service is provided as an additional benefit of the product and does not form part of the policy.

Meaning of Words

We, Our - 10UK a Lifestyle Management company appointed by Us to administer this Concierge Service.

This Lifestyle Management Service provides:

We focus on managing Your lifestyle so you can focus on living it.

Our Lifestyle Management service gives You instant access to Our extremely well connected Lifestyle Managers. We have experts in a wide range of categories who can help you with all of your day to day practical needs as well as organising Your out of work activities such as entertainment and travel. Our service is truly global and We have lifestyle managers who can speak over 14 different languages. We can therefore help You with requests both in the UK and abroad. Talk to Our team about any or all of the service categories below and You'll be pleasantly surprised at what they can do for You.

1. Entertainment and Live Events

Our entertainments service covers everything from restaurant bookings, access to "sold-out" concerts and events, night club guest lists to organising that special birthday or anniversary event. We can even provide VIP tickets - for example go to the theatre in style with a box, a butler and champagne! Whether You know what you want to do or if You are looking for some inspirational ideas, Our team are always on hand.

2. Travel Itineraries

The Travel team can organise everything associated with Your holiday or trip away be this for business or pleasure. Our specialist Destination Managers can help with insider information on amazing destinations, hotel recommendations, cottage and villa hire, organising transfers or car hire. They will put all this together in a highly personalised travel itinerary especially for You. If You're looking for a winter sports break, summer family holiday or just an interesting weekend away we take all of the hassle out of putting together an amazing trip. Once You've booked your holiday, Our entertainment team can offer restaurant recommendations and bookings helping You to have a stress-free holiday.

3. Home Services and Home Improvements

Our Home Services team will do everything from organising plumbers, electricians, handyman services, as well as nannies, housekeepers, cleaning services and anything related to organising and running Your Home. We also have relationships with key-holding companies who can allow access for tradesman and deliveries as well as providing security checks and watering Your plants when you go on holiday. If You are planning on buying a property or renting out the one that You own we have estate agents and surveyors who can help with the process. We also have companies who can help if You're moving house, be it a man with a van or a full scale house move.

Our Home Improvements team will assist with valuable advice on interior design, new kitchens and bathrooms and recommending builders and suppliers who are thoroughly vetted for quality and value for money.

4. Motor Services

We have an incredibly experienced Motor team who will buy, sell and maintain all the cars and motor vehicles in Your Family.

5. Personal Shopping

Use Our personal shopping team for gift ideas, last minute purchases and flower deliveries. We will go out and purchase the items and then organise delivery anywhere in the world.

Once you start to use Our concierge service, you may begin to wonder how you ever lived without it!

In order to sign up and obtain the benefits from this service, send a request to request@tescoconcierge.com or call 0845 303 5487. Terms and Conditions apply

You will need to provide Your surname and Tesco policy number to allow 10UK to validate You as a Tesco Finest Home Insurance customer.

How does the service work?

We are here to take Your call or e-mail twenty four hours a day, three hundred and sixty five days a year.

The scope of what We can help with is broader than most people expect. You can ask Us to help organise anything, as long as it is legal and ethical.

Every time You brief in a request, a lifestyle manager with the appropriate specialist know-how, uses Our award-winning systems, in-house knowledge, industry contacts and long-established network of tried-and-tested suppliers around the world to find the best possible outcome for You.

We work to Your deadlines wherever possible and communicate in the way that You specify, to suit Your day or Your mood, be that email, phone or text.

Our lifestyle managers do not mark up prices so they are always trying to get You the best deal.

Conditions which apply to Section XXX

This service is available to United Kingdom residents only.
Membership/access to this service provided by 10UK lasts for the duration of the Enhanced Home Insurance policy. The service will end if Your Tesco Finest Home Insurance is cancelled.
One Concierge Service - Lifestyle management membership is available per Tesco Finest policy.

Your Consumer Credit Agreement

Your right to cancel Your Consumer Credit Agreement

If You have chosen to pay by instalments, We will send You a Consumer Credit Agreement. You can cancel this within 14 days of receiving it. If You would like to cancel the consumer credit agreement, please call Us on 0845 303 5787 or write to Us at the address shown in Your documents. We will refund any premium You have paid as long as no claim has been made. If a claim has been made, We will take any unpaid instalments from the amount We paid to settle Your claim.

If You do not cancel the Consumer Credit Agreement within 14 days, You must continue to pay the instalments for Your Policy. If You don't, We will cancel Your cover and end the Consumer Credit Agreement.

Note: if You cancel Your Consumer Credit Agreement, You can continue to be covered under Your Policy as long as You pay the full premium. Otherwise, cover under Your Policy will also end.

Other Important Information about Your Consumer Credit Agreement

If You have a complaint about Your Consumer Credit Agreement, read the 'How to Complain' section on page 4.

You can end Your Consumer Credit Agreement at any time. However, if You want Your cover under the policy to continue, You must pay the premium for the rest of the Period of Insurance. If You decide to cancel Your cover under the policy, all cover will end from the date Your first unpaid instalment was due.

We can end Your Consumer Credit Agreement if You fail to pay any instalment by the date it is due. For full details see Your Consumer Credit Agreement.

Other taxes or costs not charged by Us or paid through Us may apply to Your Consumer Credit Agreement.

English law will apply to Your Consumer Credit Agreement and disputes will be referred to the English courts.

We have supplied Your Consumer Credit Agreement and other information in English and We will continue to communicate with You in English.

Meanings of Words

Certain words in this policy and the schedule have particular meanings wherever they appear. These meanings apply to the whole policy unless otherwise stated. These words and their meanings are given below:

British Isles

Great Britain, Isle of Man, Channel Islands, Northern Ireland and the Republic of Ireland.

Buildings

Your Home and its swimming pools, tennis courts, patios, terraces, service tanks, drains, septic tanks, pipes and cables, central heating fuel storage tanks, drives, footpaths, garden walls, hedges, gates, fences, landlords fixtures and fittings within the boundaries of Your Home.

Business Equipment

Computers, keyboards, visual display units and printers, word processing equipment, desk top publishing units, small business's computers, fax machines, photocopiers, typewriters, computer aided design equipment and telephone equipment used to conduct business at Your Home worth up to £10,000 in total.

Company/Us/We/Our

UK Insurance Limited.

Household goods, Personal Possessions, satellite dishes, aerials and any other articles that belong to You, or are the responsibility of You, any member of Your Family who live with You, domestic staff who live in, or visitors

But not

motor vehicles (other than motorised gardening equipment), caravans, trailers, watercraft, hovercraft or aircraft (other than hand propelled or models) and their accessories (while attached).
any living creature.
landlords fixtures and fittings.
securities (financial certificates such as shares and bonds) , certificates and documents except those defined as Money.
property more specifically insured by any other policy and.
property held or used for any profession, business or employment (other than Business Equipment)

Credit Cards

Credit cards, cheque cards, banker's cards and cash cards issued to You or any members of Your Family who live with You.

Endorsement

An agreed change in the terms of the policy.

Excess

The amount You must pay towards any claim.

Your Family

Your husband, wife, civil Partner, children, parents and other relatives normally living with You.

Home

The private home at the address shown in the schedule together with its garages and domestic outbuildings.

Money

Cash, bank notes, cheques, Money orders, postal orders, postage stamps (that are not part of a collection), savings stamps and savings certificates, share certificates, premium bonds, luncheon vouchers, travellers cheques, travel tickets, phone cards and gift tokens belonging to You or any member of Your Family and used or held for private purposes.

Period of Insurance

The period shown in the schedule which the policy covers You for (as long as You pay the premium on time).

Personal Belongings

Clothing and other items designed to be either worn or normally carried belonging to You or Your Family.

But not

Sports equipment.
Valuables or Money.
contact or corneal lenses.
household goods or domestic appliances.
items held or used for any profession, business or employment.

Personal Possessions

Valuables, Personal Belongings and Sports Equipment.

You/Your

The person or people named as the policyholder in the schedule.

Sports Equipment

Articles used for sports activities including sports clothing specifically designed to be used for any sports activity and belonging to You or any member of Your Family.

But not

any vehicle, watercraft (including windsurfers and surfboards), aircraft (including hang-gliders, powered or otherwise), or their accessories.
items held or used for any profession, business or employment.

Uninsurable Risks (risks We do not insure)

wear and tear and reduction in value
damage caused by rot, fungus, woodworm, beetles, moths, insects or vermin.
mechanical or electrical faults or breakdowns.
damage caused by cleaning, dyeing, renovating, altering, re-styling, repairing or restoring an item or items; or.
any other damage caused gradually

Underwriter, underwritten

The company providing the insurance cover under this policy.

Unoccupied

Not lived in by You, any member of Your Family or by any other person with Your permission.

Valuables

Jewellery, watches, furs, items or sets or collections of gold, silver or other precious metals, works of art, , sets of stamps, coins or medals all belonging to You or any member of Your Family.

But not

property more specifically insured by any other policy.
property held or used for any profession, business or employment.

My accounts

Here's Your Tesco Finest Home Insurance Policy

Your Tesco Finest Home Insurance Policy

Important Information

Your Right to Cancel

How to make a claim

How to Complain

Call monitoring and recording

Details about Our Regulator

Meeting Your Needs

Your Information

Who We are

Meeting Your Needs

Your Information

Who We are

Your electronic information

How we use Your information and who We share it with

Sensitive Information

Dealing with other people

Fraud prevention agencies

Index

Your Information

How to make a claim

Emergency repairs

Non - urgent repairs

How to claim

Involving the Police

Helpful numbers

Home Repair Network

Essential advice to help You keep Your Home safe and secure.

Security in the Home

Valuables

Outbuildings and garages

Going away

Home Check

Frozen pipes

1 - Fire safety

2 - Flood

USEFUL WEBSITES

Section 1 Buildings Cover

A - Loss or Damage

B - Extra Cover

C - Accidental Damage

2 - Repair of Sewer

3 - Squatters

D - Inflation Protection

E - Basis of settling claims

E - Your Liability as the Owner of the Property

Section 2 - Contents

A - Loss or Damage

B - Extra Cover

1 Contents in the Garden

2 Plants in the garden

3 Contents away from Your Home

4 Contents at University/College

5 Glass

6 Home Entertainment Equipment

7 Alternative Accommodation and Storage

Oil and Metered Water

8 Locks on outside doors.

9 Title Deeds

10 Seasonal Increase

11 Wedding gifts

12 Birth increase

13 Household Removal

14 Downloaded Information

C - Accidental Damage

1. Accidental Damage

D - Frozen Foods

E - Inflation Protection

F - Basis of settling claims

G - Liabilities

1 Occupiers and Personal Liabilities

2 Employers Liability

3 Tenants Liability

4 Liability of Others

Section 3 - Personal Possessions

A Loss or Damage

B Extra cover

1 Money