Your Tesco Value 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 5788

How to Complain

If You need to complain, please call Us on Our priority number 0845 303 5788. 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 £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.

Meeting Your Needs

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

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.

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 access 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.

Your Information -Who We are

• How to make a claim
• Simple Steps to follow
• Helpful numbers
• Essential advice to help You keep Your Home safe and secure

Section 1 - Buildings Cover

• Loss or Damage
• Extra Cover
• Plumbing Installation
• Service Pipes and Cables
• Fees and Clearance Costs
• Local Authority Requirements
• Alternative Accommodation and Rent
• Cover when selling or buying a home
• Inflation Protection
• Basis of Settling Claims
• Your Liability as Property Owner

Section 2 - Contents Cover

• Loss or Damage
• Extra Cover
• Alternative Accommodation and Storage
• Oil and Metered Water
• Locks on outside doors
• Title Deeds
• Household Removal
• Frozen Foods
• Inflation Protection
• Basis of Claims Settlement
• Occupiers and Personal Liabilities
• Employers Liability
• Tenants Liability
• Liability of Others

Section 3 Family Legal Protection - Optional Extra

• Claims Conditions
• Reporting a Claim
• Loss or Damage Claims
• Liability Claims
• Abandonment
• Enforcing Your Rights
• Other Insurances

• Conditions which apply to the whole policy
• Policy terms and Conditions
• Preventing Loss
• Cancellation
• Payment of Premium
• Fraud
• Auto Renewal
• Changes that may affect Your cover
• Number of bedrooms

Exclusions which apply to Sections 1 and 2 of the Policy

• Radioactive Contamination
• War Risks
• Sonic bangs
• Existing Damage
• Failure of Computers or Electrical Equipment
• Pollution or Contamination
• Terrorism

• Your Consumer Credit Agreement
• Your right to cancel Your Consumer Credit Agreement
• Other Important Information about Your Consumer Credit Agreement
• Meaning of Words

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 Helpline on 0845 303 0012 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 3030 5788. Lines open 8am-8pm Monday to Friday, 9am - 5pm Saturday and 10am-5pm Sunday.

24 Hour Emergency Helpline 0845 303 0012

Home Repair Network

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

We only use 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.

A Loss or Damage

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

1. Fire, Lightning, Explosion or Earthquake
2. Smoke - But not loss or damage caused by smog, agricultural or industrial work or anything that happens gradually.
3. Riot, Civil Commotion, Labour or Political Disturbance
4. 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.
5. Storm or Flood - But not
   1. loss of or damage to hedges, gates or fences.
   2. loss or damage caused by frost.
6. 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.
7. Vandalism or Malicious Acts - But not
   1. loss or damage caused by any paying guest ortenant; or
   2. after Your Home has been Unoccupied for more than 60 days in a row.
8. 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.
9. 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

1 Plumbing Installation
1. 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.
2. Service Pipes and Cables - We will pay for accidental to underground drains, pipes, cables and tanks which You are legally responsible for and which provide services to or from Your Home.
3. 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 after damage covered under this section 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.
4. 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.
5. 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 £15,000 in total.
6. 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.

C - 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 suitable index.

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

D - Basis of settling claims

1. 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.
2. We will not pay any drop in the market value of Your Home resulting from rebuilding or repairing damage to the Buildings.
3. 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.
4. 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 B3, B4, B5 and B6 of Paragraph B of Section 1 - Buildings.
5. The sum insured will not be reduced as a result of Us paying a claim.
6. 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.
7. The premium You pay is based on the estimated cost of rebuilding Your Home using information provided by You, or the actual cost of rebuilding Your Home provided by You. If We decide that the sum insured shown in Your Policy schedule is not enough to rebuild Your Home, we may reduce any claim payment We make by the percentage amount You have underpaid because of the sum insured not being enough.

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:

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

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

1. death of or bodily injury to any member of Your Family or domestic staff.
2. 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.

A - Loss or Damage

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

1. Fire, Lightning, Explosion or Earthquake
2. Smoke - But not loss or damage caused by smog, agricultural or industrial work or anything that happens gradually.
3. Riot, Civil Commotion, or Labour or Political Disturbance
4. Collision with the Buildings directly caused by any moving object coming from outside Your Home.
5. Storm or Flood
6. Theft or Attempted Theft - But not
   1. loss or damage caused by any paying guest or tenant; or
   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.
7. 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.
8. 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.
9. Subsidence or Heave of the site on which the Building of Your Home stands or landslip.

B - Extra Cover

1. 1 Alternative Accommodation and Storage - If You live in Your Home, We will pay, on top of any other amount We pay under Section 2:
   1. The cost of reasonable alternative accommodation for You, Your Family and domestic pets; and
   2. 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 pay more than 15% of the sum insured by this Section 2.
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.
3. Locks on outside doors - We will pay the 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 stolen. For any claim We will not pay more than £250.
4. 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. For any claim We will not pay more than £250.
5. 5 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
   1. loss of or damage to Money or Valuables.
   2. loss of or damage to china, glass, earthenware or other fragile items, unless they were packed by professional packers.
   3. loss or damage caused by Uninsurable Risks.
   4. the first £25 of any claim, plus the amount of any Excess shown in the schedule.

C 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

1. any deliberate act of the electricity provider or its employees.
2. any claim where the refrigeration unit of the appliance is over 10 years old, unless it is regularly serviced under a maintenance contract; or
3. 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.

D - 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.

E - Basis of Settling Claims

1. 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 repairing any undamaged items solely because they form part of a set, suite, group or collection or items of a uniform design, nature or colour.
2. We will reduce any claim payment for
   1. clothing ; or
   2. any item or part which is not replaced or repaired;
   to take account of wear and tear or improvement in their condition.
3. The most We will pay for any one claim will be the total sum insured on Contents as 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 £100 for Money.
   3. We will not pay more than £1,500 for any one Valuable unless the schedule shows otherwise.
   4. We will not pay more than the amount shown in the schedule for any loss of or damage to Valuables.
   5. We will not pay more than the amount shown in paragraphs B3 and B4 of Section 2.
   On top of any other amount, We will pay the amount shown in paragraph B1of Section 2.
4. 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.
5. 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.
6. Any claim payment for loss or damage will be reduced by the amount of any Excess shown in the schedule.
7. The premium You pay is based on the estimated cost of replacing Your Contents using information provided by You, or the actual cost of replacing Your Contents provided by You. If We decide that the sum insured shown in Your policy schedule is not enough to replace Your Contents, We may reduce any claim payment We make by the percentage amount You have underpaid because of the sum insured not being enough.

F - 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:

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

caused during the Period of Insurance shown in the schedule.

But not Liability for:

1. death of or bodily injury to any member of Your Family, or Your domestic staff
2. damage to property belonging to or in the custody or control of You, Your Family or domestic staff; or
3. 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.
   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
      1. motor vehicle (other than motorised gardening equipment).
      2. caravan while being towed.
      3. watercraft, hovercraft or aircraft other than hand propelled craft or models; or
      4. any living creature other than domestic animals.
   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 and B2of section 1 of this policy.:

1. For any claim resulting from one incident, we will not pay more than 10% 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

1. the decision is going to appeal; or
2. 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 £1,000,000.

This section only applies if it is shown on Your schedule. This section covers legal expenses.

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 3

The following definitions are in addition to or may replace those shown on pages x and x of the policy. In this section 3 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 3.

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:

1. Personal injury - death or bodily injury to You.
2. 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.
3. Property protection - a dispute arising out of You owning or living in Your Home.
4. Employment - a dispute arising out of Your employment.
5. Tax protection - a full enquiry by HM Revenue & Customs, if the enquiry resulted from Your work as an employee.
6. Inheritance dispute - a dispute over something left to You in a will.
7. 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.
8. 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 3 only applies if:

1. the Date of Incident is within the Period of Cover and the incident happens within the Territorial Limits;
2. any legal proceedings are carried out within the Territorial Limits by a court or other organisation which We agree to; and
3. 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:

1. 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.
2. Costs You have paid or will have to pay before We have agreed to them.
3. Your Costs in any action against another person who is insured by this policy.
4. 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.
5. Any application for a judicial review.
6. Any dispute between You, Us and Tesco Personal Finance other than as shown in General Condition 5 on page 28.
7. Any incident begins before cover starts.
8. Any Costs if You:
   • stop or settle a claim, or withdraw instructions from the Solicitor, without good reason; or
   • 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

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

Contract dispute

1. Any claim arising out of advice, specification, design, construction, conversion or extension on any land or relating to any buildings.
2. Any claim relating to leases, tenancies or a licence to occupy.
3. 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 24).

Property protection

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

Employment

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

Motoring prosecution

1. Any claim involving You driving a motor vehicle for which You do not have valid motor insurance.
2. 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:

1. 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).
2. 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.
3. Tell Us about any developments affecting Your claim.
4. Tell Us if the Solicitor refuses to continue to act for You or if You withdraw Your instructions.
5. Tell Us if anyone makes a payment into court or offers to settle Your claim.
6. Try to get back any Costs that We have to make, and pay any recovered Costs to Us.
7. Get Our agreement before You negotiate or settle a claim.

2 - Appointing a Solicitor.

1. 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.
2. If We accept Your claim, We or a Solicitor appointed by Us will try to settle the matter without having to go to court.
3. 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.
4. 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).
5. You must not enter into any agreement relating to charges with the Solicitor without getting Our permission first.
6. 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:

1. Get Our written permission before instructing a barrister or an expert witness.
2. 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:

1. Contact the Solicitor at any time, and he or she must co-operate fully with Us at all times.
2. 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.
3. Refuse to pay further Costs if You do not accept a reasonable offer to settle Your claim.
4. 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 XXX for details of Our complaints procedure.)

The claims conditions which apply to the whole policy do not apply to this section 3.

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:

1. at Your expense provide Us with any information and evidence We ask for including written estimates and proof of ownership or value.
2. 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:

1. send Us any letter, claim, writ or summons in connection with the claim or potential claim as soon as You receive it.
2. 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 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:

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

3 - Cancellation

1. 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.
2. 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 unexpired Period of Insurance, as long as You have not made any claim up to the date of cancellation.

4 - Payment of Premium

1. 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.
2. 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 5788 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:

1. If You change the address where You normally live
2. If any work is being done to Your Home other than routine maintenance or decoration
3. If You or any member of Your Family is prosecuted for or convicted of any offence (excluding motoring offences).
4. If You let Your Home out to tenants or a lodger moves in
5. 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.

7 - 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 and 2 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:

1. Ionising radiation or radioactive contamination from any nuclear fuel or from any nuclear waste from burning nuclear fuel or
2. 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:

1. any computer or other electrical equipment or component failing to correctly recognise any date as its true calendar date or
2. 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.

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 5788 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 xx . 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 we say otherwise. 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.

Company/Us/We/Our

UK Insurance Limited.

Contents

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

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

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

1. Sports or camping equipment.
2. Valuables or Money.
3. contact or corneal lenses.
4. household goods or domestic appliances.
5. items held or used for any profession, business or employment.

Personal Possessions

Valuables, Personal Belongings and Sports Equipment.

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

1. camping equipment
2. any vehicle, watercraft including windsurfers and surfboards, aircraft including hang-gliders, powered or otherwise, or their accessories.
3. items held or used for any profession, business or employment.

Uninsurable Risks (risks We do not insure)

1. wear and tear and reduction in value.
2. damage caused by rot, fungus, woodworm, beetles, moths, insects or vermin.
3. mechanical or electrical faults or breakdowns.
4. damage caused by cleaning, dyeing, renovating, altering, re-styling, repairing or restoring an item or items; or.
5. 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

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

You/Your

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