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Policy Document for Overseas Property Insurance
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Policy Document
 
You can use these links to jump to the relevant section
Introduction
General Conditions General conditions applicable to the whole of this insurance
General Exclusions General exclusions applicable to the whole of this insurance
Claims Conditions Claims conditions applicable to the whole of this insurance
Section 1:  Buildings What is covered and what is not covered
Settling claims
Section 2:  Contents What is covered and what is not covered
Settling claims
Section 3:  Accidents to domestic staff What is covered and what is not covered
Section 4:  Legal liability to the public What is covered and what is not covered
Section 5:  Valuables & personal possessions What is covered and what is not covered
Settling claims
 
 
Introduction
This document of insurance, schedule and any endorsement applying to your insurance form your Lloyd’s Home Insurance document. This document sets out the conditions of the contract of insurance between you and us. You should keep it in a safe place.
Please read the whole document carefully including the Territorial Addendum at the back of the certificate wording.
The document is arranged in different sections. It is important that:
• you are clear which sections you have requested and want to be included;
• you understand what each section covers and does not cover;
• you understand your own duties under each section and under the insurance as a whole.
Please contact your broker immediately if this document is not correct or if you would like to ask any questions or require any clarification of the cover provided.
Wherever the following words appear in this insurance they will have the meanings shown below.
You/your/insured The person or persons named in the schedule and all members of their family who permanently live with them.
We/us/our The Underwriters at Lloyd’s (either individual or corporate) who have a share in this insurance.
Your broker The insurance broker who placed this insurance on your behalf.
Schedule The schedule is part of this insurance and contains details of you, the premises, the sums insured, the period of insurance and the sections of this insurance which apply.
Endorsement A change in the terms and conditions of this insurance.
Period of insurance The length of time for which this insurance is in force, as shown in the schedule and for which you have paid and we have accepted a premium.
Standard construction Built of brick, stone or concrete and roofed with slates, tiles, asphalt, metal or concrete.
Buildings • The home and its decorations
• fixtures and fittings attached to the home
• permanently installed swimming pools and associated pumphouse and pumps and filtration unit, tennis courts, drives, patios and terraces, walls, gates and fences and fixed fuel tanks
Premises The address which is named in the schedule.
Home The private dwelling of standard construction and the garages and outbuildings used for domestic purposes at the premises shown in the schedule.
Contents Household goods and personal property, within the home, which are your property or which you are legally liable for.
Contents includes:
• tenant’s fixtures and fittings
• radio and television aerials, satellite dishes, their fittings and masts which are attached to the home provided a separate sum insured has been shown on the schedule
• personal computers used for leisure purposes only and permanently kept at the premises
• money; credit cards; negotiable documents or coins or stamps not forming part of a coin collection or stamp collection up to £100 in total
• deeds and registered bonds and other personal documents up to £250 in total
• stamps or coins forming part of a collection up to £250 in total
• gold, silver, gold and silver plated articles, jewellery and furs up to £500 or 10% of the sum insured for contents whichever is less, within the private dwelling
• domestic oil in fixed fuel oil tanks up to £500.
• Household goods and personal property in the open within the boundary of the premises, up to £500
Contents does not include:
• motor vehicles (other than garden machinery) caravans, trailers or watercraft or their accessories
• any living creature
• any part of the buildings
• any property held or used for business purposes other than for the purpose of the home being lent, let or sub-let
• any property insured under any other insurance.
Bodily injury Bodily injury includes death or disease.
Valuables • Jewellery
• furs
Personal possessions • Clothing, baggage, guns, sports equipment and other similar items normally carried about the person and all of which belong to you.
Personal possessions does NOT include:
• money and credit cards
• pedal cycles.
Money • current legal tender, cheques, postal and money orders
Credit cards • Credit cards, charge cards, debit cards, bankers cards and cash dispenser cards.
Occupant being an authorised person or persons in the home overnight.
Europe ‘Europe’ will include:
• all Mediterranean Islands
• all countries with a Mediterranean shoreline
• the Canary Islands
• Madeira
and journeys between these countries.
Territorial Addendum Additional wording in respect of requirements laid down by the Government of the Country in which the premises are located, and to be read along with your main certificate wording.
 
 
General Conditions applicable to the whole of this insurance
Each home included under this insurance is considered to be covered as if separately insured.
Your Duties
1 You must ensure that all physical protections provided for the security of the home and contents:
• are maintained in good working order, and
• are in full and effective operation whenever you are absent from the premises.
If you fail to comply with the above duties this insurance will become invalid in respect of loss or damage resulting from unauthorised entry.
2 You must take all reasonable steps to prevent loss, damage or an accident and keep the buildings in a good state of repair.
3 You must tell your broker before you start any conversions, extensions or other structural work to the buildings. When we receive this notice we have the option to change the conditions of this insurance.
If you fail to comply with the duties shown in 2 and 3 above this insurance may become invalid.
Alarm clause
Only applicable if we have stipulated that an alarm be fitted.
This insurance does not cover theft:
• when you have left the premises without an occupant, or
• overnight,
unless:
a) at all such times the intruder alarm has been put into full and effective operation, and
b) the intruder alarm is kept in good working order throughout the period of insurance under a maintenance contract with the installing company.
Cancellation clause
1 We can cancel this insurance by giving you 30 days’ notice in writing. Any return premium due to you will depend on how long this insurance has been in force.
2 You can also cancel this insurance at any time by writing to your broker. Any return premium due to you will depend on how long this insurance has been in force and whether you have made a claim.
General Exclusions applicable to the whole of this insurance
a) Radioactive Contamination and Nuclear Assemblies Exclusion
We will not pay for:
1 Loss or destruction of or damage to any property whatsoever, or any loss or expenses whatsoever resulting or arising therefrom or any consequential loss
2 Any legal liability of whatsoever nature
directly or indirectly caused by or contributed to by or arising from:
i) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel,
ii) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
b) War Exclusion
We will not pay for
any loss or damage or liability directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority.
c) Date Change Exclusion
We will not pay for any equipment, integrated circuit, computer chip, computer software and any other computer-related equipment which fails to recognise correctly any date change.
d) Unoccupancy Exclusion
We will not pay
1 The first £150 of any claim under Section one (buildings) and Section two (contents) in respect of the following:
storm; weight of snow; escape of water from and frost damage to fixed water tanks, apparatus or pipes; theft or attempted theft; any person acting maliciously •
for loss or damage to valuables
if you leave the home without an occupant for more than 30 consecutive days
2 for loss or damage directly caused by escape of water if you leave the home without an occupant for more than 14 consecutive days unless the water has been turned off at the mains and the system drained down or the central heating system be in operation controlled by a thermostat set not lower than 60 degrees Fahrenheit/ 16 degrees Celsius.
Claims Conditions applicable to the whole of this insurance
Your duties
In the event of a claim or possible claim under this insurance
1 you must notify your broker within 30 days of discovery giving full details of what has happened
2 you must provide your broker with written details of what has happened within 30 days of you notifying us and provide any other information we may reasonably require
3 you must immediately forward to your broker, if a claim for liability is made against you, any letter, claim, writ, summons or other legal document you receive
4 you must not admit liability or offer or agree to settle any claim without our written permission
5 you must inform the Police as soon as reasonably possible following malicious acts, violent disorder, riots or civil commotion, theft, attempted theft or the loss of property.
If you fail to comply with any of the above duties this insurance may become invalid.
How we deal with your claim
1 Defence of claims
We may:
take full responsibility for conducting, defending or settling any claim in your name
take any action we consider necessary to enforce your rights or our rights under this insurance.
2 Other insurance
We will not pay any claim if any loss, damage or liability covered under this insurance is also covered wholly or in part under any other insurance except in respect of any excess beyond the amount which would have been covered under such other insurance had this insurance not been effected.
This clause does not apply to fatal injury (section 2-G).
3 Fraudulent claims
If you, or anyone acting on your behalf, makes a claim knowing it to be false or fraudulent in amount or in any other respect, this insurance shall be invalid and all claims shall be forfeited.

 
 
Section One:  Buildings
 
What is covered   What is not covered
This insurance covers the buildings for loss or damage directly caused by We will not pay:
1 Fire, lightning and explosion