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Abacus insurance underwriters free#

Premises The address which is named in the schedule. 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. Occupant A person or persons authorised by you to stay in the home overnight. Home The private dwelling of standard construction and the garages and outbuildings used for domestic purposes at the premises shown in the schedule. any electrical item except washing machines, dishwashers, fridges, freezers and tumble dryers.Įndorsement A change in the terms and conditions of this insurance.įlood For the purpose of this policy the definition of flood is deemed to be “An inundation of water from the normal confines of any natural or artificial water course, streams, rivers, culverts, lakes, ponds, reservoirs, canals, dams, coastal waters and / or the overflowing of water onto land that is dry arising as a direct consequence of heavy rain, storm or tempest”.jewellery, furs, gold and silver, pictures and paintings.any property insured under any other insurance.any property held or used for business purposes.motor vehicles (other than garden machinery) caravans, trailers or watercraft or their accessories.property in the open but within the premises up to £250 in total (other than radio and television aerials, satellite dishes, their fittings and masts which are attached to the home).

radio and television aerials, satellite dishes, their fittings and masts which are attached to the home.

permanently installed swimming pools, fixed hot tubs, tennis courts, drives, patios and terraces, walls, gates and fences and fixed fuel tanks you own or for which you are legally liable within the premises named in the schedule.Ĭontents Household goods and personal property, within the home, which are your property or which you are legally liable for.

fixtures and fittings attached to the home.

Wherever the following words appear in this insurance they will have the meanings shown below.īodily injury Bodily injury includes death or disease. Please contact your broker immediately if this document is not correct or if you would like to ask any questions.

you understand your own duties under each section and under the insurance as a whole.

you understand what each section covers and does not cover.

you are clear which sections you have requested and want to be included.

Please read the whole document carefully. This document sets out the conditions of the contract of insurance between you and us. This policy of insurance, schedule and any endorsement applying to your policy forms your insurance document. The language for contractual terms and communication will be English. Unless specifically agreed to the contrary this insurance shall be governed by the laws of England and subject to the exclusive jurisdiction of the courts of England.

Abacus insurance underwriters free#

The parties are free to choose the law applicable to this Insurance Contract. Further Information about the Scheme is available from the Financial Services Compensation Scheme (7th Floor Lloyd’s Chambers, Portsoken Street, London E1 8BN) and on their website: LAW & JURISDICTION APPLICABLE TO THE INSURANCE If you were entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract. You may be entitled to compensation from the Scheme if we cannot meet our obligations to you under this contract. Insurers are covered by the Financial Services Compensation Scheme. We may make a minimum charge of 50% of the annual premium if the policy is in its first year of insurance. Any return premium due to you will depend on how long this insurance has been in force and whether you have made a claim. 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.Ģ. We can cancel this insurance by giving you 30 days’ notice in writing. The start of the period of insurance whichever is the later.ġ. The date you receive your policy documentation or2.

You are entitled to cancel this insurance by writing to your broker within 14 days of either:-1.