The table below outlines our differentiated policy wording:
| |
Direct
|
Commercial Wording
|
Residential Wording
|
| Malicious Damage By Tenants |
Not Included |
Included |
Included |
| Theft of Contents By Tenants |
Not Included |
Included |
Included |
| Landlord Contents - Automatic Cover |
Not Included |
Optional |
£10,000 including property in the open (excludes storm) Communal Contents Only |
| Day One Uplift |
8% |
35% |
35% |
| Capital Additions - newly acquired or newly built |
£2,000,000 |
£2,500,000 |
£5 million Office/retail, £1million vacant, £2million any other |
| Loss of Rent (Residential Parts Only) |
20% of S.I |
25% of S.I |
30% of S.I |
| Contract Works |
Not Included |
£50,000 |
£100,000 |
| Loss of Keys - Lock replacement following theft or evidence of duplication |
£2,500 theft only |
£2,500 theft only |
£5,000 up to £15,000 per period of insurance |
| Removal of Wasps & Bees nests |
Not Included |
£5,000 |
£5,000 |
| Tree felling or lopping - to prevent imminent danger to property or bodily injury |
Not Included |
£5,000 - includes removal of fallen trees |
£500 per claim up to £2,500 per period of insurance |
| Fly Tipping |
Not Included |
£10,000 subject to £1,000 excess |
£5,000 subject to £1,000 excess |
| Debris Removal of Tenants Contents |
Not Included |
Included |
£25,000 |
| Alternative Residential accommodation including furniture and pets |
20% of S.I |
25% of S.I |
30% of S.I |
| Unauthorised Occupation - legal costs in removal of occupiers |
Not Included |
Not Included |
Included up to £2,500 |
The comparison chart displays a summary of coverage provided by the Insurers listed and is not a substitute for the actual policy wording. The perils listed on the comparison chart were selected as representative of those perils most important to the majority Brokers.
The policy you choose may cover additional perils not shown on the comparison chart. Always consult the actual policy wording to determine the full extent of coverage offered. The comparison chart is correct as at June 2011.
| |
Direct
|
Commercial & Residential Wording
|
|
Direct
|
Commercial & Residential Wording
|
| Malicious Damage By Tenants |
Not Included |
Included |
Included |
Included |
| Theft of Contents By Tenants |
Not Included |
Not Included |
Included |
Included |
| Landlord Contents - Automatic Cover |
Not Included |
£10,000 for communal areas of residential property only. |
£10,000 Included in communal areas |
£10,000 included in communal areas |
| Day One Uplift |
35% |
35% |
35% |
35% |
| Capital Additions - newly acquired or newly built |
£1,000,000 |
£1,000,000 |
20% of the SI/Max £5,000,000 for offices, residential, retail otherwise £2,000,000 |
20% of the SI/Max £5,000,000 for offices, residential, retail otherwise £2,000,000 |
| Trace & Access - Following escape of water, gas or fuel oils, sprinkler leakage |
£25,000 |
£25,000 |
£50,000 |
£50,000 |
| Contract Works |
£250,000 |
£500,000 |
£250,000 includes contents |
£250,000 includes contents |
| Loss of Keys - Lock replacement following theft or evidence of duplication |
£2,500 |
£2,500 |
£5,000 |
£10,000 |
| Removal of Wasps & Bees nests |
Not Included |
Not Included |
£500 |
£500 |
| Tree felling or lopping - to prevent imminent danger to property or bodily injury |
Not Included |
Not Included |
£10,000 - includes removal of fallen trees |
£10,000 - includes removal of fallen trees |
| Fly Tipping |
Not Included |
Not Included |
£10,000/£25,000 any one period |
£10,000/£25,000 any one period |
| Concern for Welfare |
Not Included |
Not Included |
Not Included |
£5,000/£15,000 max |
| Alternative Residential accomodation including furniture and pets |
20% of SI (LOR) 3yr IP |
20% of SI (LOR) 3yr IP |
20% of the SI - 24mths IP |
20% of the SI - 24mths IP |
| Unauthorised Occupation |
£100,000 limit 48 hour time exclusion & 250 metre radius |
£100,000 limit 48 hour time exclusion & 250 metre radius |
Not Included |
£10,000 any one period |
The comparison chart displays a summary of coverage provided by the Insurers listed and is not a substitute for the actual policy wording. The perils listed on the comparison chart were selected as representative of those perils most important to the majority Brokers.
The policy you choose may cover additional perils not shown on the comparison chart. Always consult the actual policy wording to determine the full extent of coverage offered. The comparison chart is correct as at June 2011.
The table below outlines our differentiated policy wording:
| |
Direct
|
Commercial Wording
|
Residential Wording
|
| Malicious Damage By Tenants |
Not Included |
Included |
Included |
| Theft of Contents By Tenants |
Not Included |
Included |
Included |
| Landlord Contents - Automatic Cover |
Not Included |
Optional |
£10,000 including property in the open (excludes storm) Communal Contents Only |
| Day One Uplift |
8% |
35% |
35% |
| Capital Additions - newly acquired or newly built |
£2,000,000 |
£2,500,000 |
£5 million Office/retail, £1million vacant, £2million any other |
| Loss of Rent (Residential Parts Only) |
20% of S.I |
25% of S.I |
30% of S.I |
| Contract Works |
Not Included |
£50,000 |
£100,000 |
| Loss of Keys - Lock replacement following theft or evidence of duplication |
£2,500 theft only |
£2,500 theft only |
£5,000 up to £15,000 per period of insurance |
| Removal of Wasps & Bees nests |
Not Included |
£5,000 |
£5,000 |
| Tree felling or lopping - to prevent imminent danger to property or bodily injury |
Not Included |
£5,000 - includes removal of fallen trees |
£500 per claim up to £2,500 per period of insurance |
| Fly Tipping |
Not Included |
£10,000 subject to £1,000 excess |
£5,000 subject to £1,000 excess |
| Debris Removal of Tenants Contents |
Not Included |
Included |
£25,000 |
| Alternative Residential accommodation including furniture and pets |
20% of S.I |
25% of S.I |
30% of S.I |
| Unauthorised Occupation - legal costs in removal of occupiers |
Not Included |
Not Included |
Included up to £2,500 |
The comparison chart displays a summary of coverage provided by the Insurers listed and is not a substitute for the actual policy wording. The perils listed on the comparison chart were selected as representative of those perils most important to the majority Brokers.
The policy you choose may cover additional perils not shown on the comparison chart. Always consult the actual policy wording to determine the full extent of coverage offered. The comparison chart is correct as at June 2011.
| |
Direct
|
Commercial & Residential Wording
|
|
Direct
|
Commercial & Residential Wording
|
| Malicious Damage By Tenants |
Not Included |
Included |
Included |
Included |
| Theft of Contents By Tenants |
Not Included |
Not Included |
Included |
Included |
| Landlord Contents - Automatic Cover |
Not Included |
£10,000 for communal areas of residential property only. |
£10,000 Included in communal areas |
£10,000 included in communal areas |
| Day One Uplift |
35% |
35% |
35% |
35% |
| Capital Additions - newly acquired or newly built |
£1,000,000 |
£1,000,000 |
20% of the SI/Max £5,000,000 for offices, residential, retail otherwise £2,000,000 |
20% of the SI/Max £5,000,000 for offices, residential, retail otherwise £2,000,000 |
| Trace & Access - Following escape of water, gas or fuel oils, sprinkler leakage |
£25,000 |
£25,000 |
£50,000 |
£50,000 |
| Contract Works |
£250,000 |
£500,000 |
£250,000 includes contents |
£250,000 includes contents |
| Loss of Keys - Lock replacement following theft or evidence of duplication |
£2,500 |
£2,500 |
£5,000 |
£10,000 |
| Removal of Wasps & Bees nests |
Not Included |
Not Included |
£500 |
£500 |
| Tree felling or lopping - to prevent imminent danger to property or bodily injury |
Not Included |
Not Included |
£10,000 - includes removal of fallen trees |
£10,000 - includes removal of fallen trees |
| Fly Tipping |
Not Included |
Not Included |
£10,000/£25,000 any one period |
£10,000/£25,000 any one period |
| Concern for Welfare |
Not Included |
Not Included |
Not Included |
£5,000/£15,000 max |
| Alternative Residential accomodation including furniture and pets |
20% of SI (LOR) 3yr IP |
20% of SI (LOR) 3yr IP |
20% of the SI - 24mths IP |
20% of the SI - 24mths IP |
| Unauthorised Occupation |
£100,000 limit 48 hour time exclusion & 250 metre radius |
£100,000 limit 48 hour time exclusion & 250 metre radius |
Not Included |
£10,000 any one period |
The comparison chart displays a summary of coverage provided by the Insurers listed and is not a substitute for the actual policy wording. The perils listed on the comparison chart were selected as representative of those perils most important to the majority Brokers.
The policy you choose may cover additional perils not shown on the comparison chart. Always consult the actual policy wording to determine the full extent of coverage offered. The comparison chart is correct as at June 2011.
If you would like more information, please call 0845 0500 313, request acall back or you cansubmit your risk online.
If you would like more information, please call 0845 0500 313, request acall back or you cansubmit your risk online.
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