Cover

Our Commitment to You
How to read Your Insurance Policy
Definitions
Your Endsleigh Landlords Insurance Policy - Our Contract with You
Policy Warranty
Index Linking

Section 1 - Cover for Your Buildings:-
Section 1 - A. Standard Cover
Section 1 - B. Accidental Damage Option

Section 2 - Cover for Your Contents

General Conditions
General Exclusions
How to make a Claim
Section 3 - Legal Protection
Section 4 - Landlords Home Emergency Expenses
Data Protection Act

Definitions

The following key words or phrases, which are listed below in alphabetical order, have the same meaning whenever they appear and will always be shown with an initial capital letter and in bold text so as to remind You of their importance. Listed against some of the definitions are details of property that is not covered.

Accidental Damage

• Damage caused by violent external means.

Buildings/Property	Buildings - what is not covered
the private dwelling including garages and outbuildings, all used solely for domestic purposes permanent fixtures and fittings walls, gates, hedges and fences paths, drives, patios and terraces swimming pools and hard tennis courts all within the boundaries of the land belonging to the private dwelling and which are primarily used for private purposes.	swimming pool covers television and radio aerials, satellite dishes and their fittings or masts the amount of any Excess stated on Your Statement of Insurance in respect of any claim
Contents	Contents - what is not covered
furniture carpets curtains household utensils crockery and cutlery cookers, microwave ovens, fridges, freezers, washing machines and tumble dryers television and radio aerials and their fittings or masts	clothing and Personal Effects Money Valuables motor vehicles (other than motorised domestic gardening equipment), aircraft, water craft, surf and sail boards, caravans, trailers and any parts or accessories designed to be used with any of these, including car audio equipment permanent fixtures and fittings and interior decorations in the Property (other than fixtures and fittings defined opposite) loss of or damage to any television or radio aerial dish which is not securely mounted on the private roof or wall of the Property external satellite television receiving equipment securities or documents of any kind any living creature, trees, shrubs, plants or other vegetation property held or used primarily for business purposes any amount that You claim for which is more than the limit stated in Your Endsleigh Policy or on Your Statement of Insurance the amount of any Excess stated on Your Statement of Insurance in respect of any claim property more specifically insured by this or any other policy

Computer Equipment

• Computers, keyboards, visual display units, scanners, printers and word processing equipment
• Computer games hardware
• Computer software of any kind

Cover

Refers to those sections of Your Policy which are operative in Your case and any additional limitations, requirements or Excesses that apply to You, all of which are shown on Your Statement of Insurance.

DSS Tenant

When the Tenancy Agreement or contract to the house is other than between the Tenant and Landlord.

Endorsement

A change to Your details or cover which appears on Your Statement of Insurance and forms part of Your Policy.

Event

Any one occurrence or series of occurrences arising out of or attributable to one source or original cause.

Excess

The amount which You pay for any one incident under each section of Your Policy and which is deducted from Your claim settlement. This amount may be stated on Your Statement of Insurance or in this Policy Book.

Forcible and Violent Entry Into or Exit From

That which is evidenced by visible damage to the fabric of the Building at the point of entry or exit.

Money

• coins or bank notes in current circulation, cheques, travellers cheques or bankers drafts
• postal or money orders, gift vouchers, current postage stamps that are not part of a stamp collection
• saving certificates, premium bonds or saving stamps
• luncheon vouchers, trading stamps, telephone cards, current travel or other tickets with a fixed monetary value
• securities, promotional vouchers, lottery and raffle tickets and Air Miles vouchers

all used or held solely for private, social and domestic purposes.

Our Authorised Underwriting Agents

Endsleigh Insurance Services Limited.

Period of Insurance

The period starting and ending on those dates shown in Your Statement of Insurance.

Personal Effects

• personal articles worn, used or carried about the person
• pedal cycles
• sports equipment

Replacement Value of Your Contents

The cost of replacing any lost or damaged item with one of the same value and condition as existed immediately prior to the loss or damage occurring.

Schedule

The document called 'Schedule' which forms part of Your Insurance Policy.

Standard Tenant

Working tenants, retired tenants, students, tenants on unemployment benefit, housing or disability benefit provided that the Tenancy Agreement is between the Tenant and the Landlord or their appointed letting agent.

Statement of Insurance

The document called 'Statement of Insurance' giving details of the Period of Insurance, Your cover, the insurer and the policy number. The Statement of Insurance includes all the information You provided when We prepared Your quotation and forms the basis of Your contract. Any reference to Your Statement of Insurance in Your Landlords Insurance Policy book should also be read to include Your Schedule and any Endorsements in the event that these documents have been issued to You.

Sum Insured

The amount for which each type of property is insured as shown in Your Statement of Insurance or notified to You at renewal.

Unfurnished

Without sufficient furniture and furnishings for normal living purposes.

United Kingdom/UK

England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands.

Unoccupied

Not lived in by You or any other person with Your permission.

Valuables

• any article of gold, silver or other precious metal, jewellery, pearls or gemstones
• watches or clocks
• works of art, pictures and curios
• collections of stamps, coins, bank notes or medals
• furs
• photographic equipment
• musical instruments (other than pianos)
• television, audio and video equipment
• Computer Equipment

We / Us / Our

The Insurer shown in Your Statement of Insurance or Endsleigh Insurance Services Limited acting on their behalf.

You / Your / the Insured

The person named as the Policyholder in Your Statement of Insurance.