Your Policy Summary
Please read this document carefully, which provides a summary of cover.
It does not show all of the benefits, exclusions or limits. Please refer to your policy booklet and policy schedule for full details of all terms, conditions and endorsements or excesses that may apply.
Features of a Tesco Home Insurance Policy
The Home or Landlord's Policy you have purchased is underwritten by UK Insurance Limited and will run for 12 months. Your policy schedule will show which of the following sections of cover you have requested.
OPTION 1 - HOME INSURANCE
| Section 1 - Buildings | Section 2 - Contents |
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| What is Covered: | |
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| Paragraph A - Loss or Damage. What you are covered for: | |
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| Paragraph B - Additional Cover : Extra benefits included as standard: | |
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| Paragraph C - Accidental damage cover (optional extra) | |
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Extra accidental damage cover for accidents like drilling into a pipe or cable, or putting your foot through the loft floor |
Extra cover for accidental breakage of items like vases and ornaments, as well as DIY disasters like spilt paint on carpets or furniture |
| Summary of Exclusions and Limits | |
| Please refer to your policy document for full details. | |
| Section 1 - Buildings | Section 2 - Contents |
Your policy will not pay for the following if caused by any paying guest or tenant:
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Your policy will not pay for the following if caused by any paying guest or tenant:
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After your home has been unoccupied for more than 60 days in a row your policy will not pay for:
Domestic pets:Your policy will not pay for damage caused by domestic pets |
After your home has been unoccupied for more than 60 days in a row your policy will not pay for:
Domestic pets:Your policy will not pay for damage caused by domestic pets Business Equipment:Your policy will not pay for property (including money) held or used for any profession, business or employment, other than business equipment owned by you up to £5000 in total. Valuables in the home limitValuables are jewellery, watches, furs, items or sets or collections of gold, silver or other precious metals, works of art, sets of stamps or coins or medals. Please refer to your policy schedule for details of the limit applicable to your policy Single article limit£2000 |
| Excess | |||
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The following excess (with the exception of subsidence) are payable in addition to any other excess which may apply. Please refer to your policy schedule, which contains full details of the excesses that apply to your policy. |
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| Section 1 - Buildings | Section 2 - Contents | ||
| Paragraph A9 - Subsidence | £1,000 or £2,000 - Please refer to your schedule | Paragraph B11 - Household Removal | £25 |
| Paragraph C - Accidental damage | £25 | Paragraph C - Accidental damage | £25 |
| Section 3 - Personal Possessions (optional extra) | |||
|---|---|---|---|
| What is covered: | Paragraph A - Loss or damage. What you are covered for: | Paragraph B - Additional cover - Extra benefits included as standard: | |
Items designed to be worn or carried that you normally take out of the home or on holiday such as jewellery, cameras, sports equipment and money |
Anywhere in the United Kingdom and for up to 60 days elsewhere in the world |
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| Summary of Exclusions and Limits | |
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| Please refer to your policy document for full details | |
| Paragraph A - Loss or Damage | Your policy will not pay for:
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Paragraph B1 - Money Paragraph B2 - Credit cards |
Your policy will not pay for:
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| Excess | |
A £50 excess (or your voluntary excess, whichever is higher) is payable in addition to any other excess which may apply. Please refer to your policy schedule, which contains full details of the excesses that may apply to your policy. |
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| Section 4 - Pedal Cycles (optional extra) | ||
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Paragraph A - Loss or Damage. What you are covered for:
Anywhere in the United Kingdom and for up to 60 days elsewhere in the world |
Summary of Exclusions and limitations (paragraph A). Please refer to your policy document for full details
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| Excess | ||
A £15 excess is payable |
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| Section 5 - Family Legal Protection (optional extra) Please refer to your policy document for full details. |
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Option 2 Landlord's Insurance
| Section 1 Buildings | Section 2 Contents |
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| What is Covered: | |
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| Paragraph A - Loss or Damage. What you are covered for: | |
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| Paragraph B - Additional Cover - Extra benefits included as standard: | |
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| Summary of Exclusions and Limits Please refer to your policy document for full details. |
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| Section 1 Buildings | Section 2 Contents |
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Your policy will not pay for:
Caused by any resident, their family or their guests. |
Your policy will not pay for:
Caused by any resident, their family or their guests. |
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After your home has been unoccupied for more than 60 days in a row your policy will not pay for:
Domestic pets:Your policy will not pay for damage caused by domestic pets. |
After your home has been unoccupied for more than 60 days in a row your policy will not pay for:
Domestic pets:Your policy will not pay for damage caused by domestic pets. |
| Excess | |
The following excess (with the exception of subsidence) are payable in addition to any other excess which may apply. Please refer to your policy schedule, which contains full details of the excesses that apply to your policy. |
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| Section 1 Buildings | Section 2 Contents |
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Paragraph A9 - Subsidence £1,000 or £2,000. Please refer to your schedule. Paragraph B3 - Glass & Sanitary Ware £50 |
Paragraph B6 - Household Removal £50. Paragraph B3 - Glass £50 |
Landlords Legal Protection (automatically included with your Landlord's insurance policy)24 hour advice/claim line- access to legally qualified staff to advise you on any matter relating to your rights,duties and responsibilities as Landlord of the let property, and for reporting a claim Legal costs up to £50,000 for:
We will not pay for RepossessionAny dispute with Your tenant Residents where the Date of Incident is within the first 90 days of the start of this cover Any claim if You have not given the tenant Resident the correct notice that You want possession of the Let Property Legal defenceAny claim which leads to you being prosecuted for infringement of the Road Traffic laws or regulations in connection with the ownership, driving or use of a motor vehicle. Contract DisputesAny claim relating to a disputed amount of less than £250 Claims for contract disputes for motor vehicles (owned, hired or leased), computer hardware, software, systems or services which have been specifically tailored, contracts of employment, loans, mortgages, pension or any other financial product. Full or Aspect EnquiriesAny claim if You have not taken reasonable care to ensure that all returns are complete and correct and such returns are submitted within the statutory time limits allowed. |
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Your Right to Cancel
If this does not meet your requirements, please return all your documents within 14 days of receipt. We will refund any premium paid in full provided no claims have been made on the policy during that time.
How to make a claim
To notify us of a claim in the first instance please telephone 0845 300 66 00
How to Complain
Should there ever be an occasion when you need to complain, please call us on our priority number 0845 300 66 00. If your complaint relates to a claim, contact your claims handler whose details will be shown in your claims documentation.
If you wish to write, then address your letter as follows:
- Claims related complaints to Customer Relations Department, Tesco Home Insurance, Cote Lane, Pudsey LS28 5GF.
- All other complaints should be addressed to Customer Relations Department, Tesco Home Insurance, The Wharf, Neville Street, Leeds LS1 4AZ.
If we cannot resolve the differences between us, you may refer your complaint to the Financial Ombudsman Service (FOS). Their address is: South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0845 080 1800.
Details about Our Regulator
UK Insurance Limited is authorised and regulated by the Financial Services Authority. The Financial Services Authority website which includes a register of all regulated firms can be visited at www.fsa.gov.uk/register, or the Financial Services Authority can be contacted 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 £2000 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.
