The policy cover against physical loss or damage for your property within the home

If you require a contents in the home limit more than £20,000 or a higher scale article limit in the home than £2,000 please contact your insurance adviser.

The single article limit is a maximum of 10% of the requested contents at the home sum insured. This is the maximum value of any one article in respect of the following:

If you require a higher single article in the home limit please adjust the contents at home sum insured level accordingly.

This will provide cover against physical loss or damage anywhere in the world in respect of the following:

The single article limit is a maximum of 25% of the requested worldwide sum insured. If you require a higher single article limit please adjust the worldwide sum insured value accordingly.

If you require a worldwide limit more than £5,000 or a higher worldwide single article limit than £1,250, please contact you insurance advisor

Provides cover for the cost of replacing your food in your fridge or freezer if it is spoiled due to a change in temperature or contaminated by refrigeration fumes.

Provides cover for theft and accident loss of money and amounts which you become legally liable to pay as a result of unauthorised use following loss or theft of your credit cards.

Provides cover to repair or replace your pedal cycle(s) following theft, attempted theft or accidental damage.

If you require a higher pedal cycle limit than £1,000 please contact your insurance advisor.

Where we arrange insurance wholly or mainly for purposes related to your trade, business or profession, you have a duty under The Insurance Act 2015 to make a fair presentation of the risk. This means that you must disclose every material circumstance which you and/or your senior management and/or anyone responsible for arranging your insurance know or ought to know. Alternatively, you must disclose sufficient information which would put the insurer on notice that it needs to make further enquires for the purpose of revealing those material circumstances. You are expected to carry out a reasonable search in order to make a fair representation of the risk and will be deemed to know what should reasonably have been revealed by the search. Your duty of fair representation applies at the start of the policy, at renewal and when any variation of the policy is arranged. If you fail to make a fair representation, the insurer may refuse to pay your claim or reduce the settlement amount, depending on the circumstances.