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

General Conditions - See the Legal Protection Section for Conditions to that Section

You must comply with the following conditions to have the full protection of Your Cover.

If You do not comply with these conditions, We may at Our option, cancel the Policy or refuse to deal with Your claim.

1. The Full Estimated Reinstatement Cost of Your Buildings
   
   You must notify Us immediately if at any time the full estimated reinstatement cost of Your Buildings exceeds the Sum Insured stated on Your Statement of Insurance.
   
   If at any time the full estimated reinstatement cost of Your Buildings exceeds the Buildings Sum Insured on Your Statement of Insurance, We will only pay the cost of repair or reinstatement less a deduction for wear, tear and depreciation in the event of a claim
   
   
2. The Value of Your Contents
   
   You must notify Us immediately if at any time the Replacement Value of Your Contents exceeds the Contents Sum Insured stated on Your Statement of Insurance.
   
   The Replacement Value of Your Contents means 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
   
   If at any time the Replacement Value of Your Contents exceeds the Contents Sum Insured on Your Statement of Insurance, We will only pay the cost of repair or reinstatement less a deduction for wear, tear and depreciation in the event of a claim
   
   
3. Making a claim
   
   The Insurer named in Your Statement of Insurance has authorised Endsleigh Insurance Services Limited to deal with Your claim on their behalf. You should therefore refer all correspondence and telephone enquiries to Endsleigh.
   
   If loss or damage or injury occurs and there is a possibility that a claim may be made on Your Policy:-
   • You must as soon as You reasonably can
     • tell Endsleigh Insurance Services Limited
     • inform the police if property is lost or if theft or malicious damage or vandalism is suspected
     • do everything You reasonably can to recover any missing property
     • send written details of Your claim as soon as possible
     • give full written details within 30 days of the incident together with any supporting evidence that We may require
   • You must also
     • send any writ or summons immediately
     • send any other claim related letter or document as soon as You reasonably can
     • supply Us, at Your expense, with all proofs, information and other evidence relating to the claim and any assistance which We may require
   • You must not admit liability for nor offer to settle any claim made against You without Our written consent
   • You may not abandon any property to Us or to Our Authorised Underwriting Agents
   
   
   
4. Handling the claim on Your behalf
   
   We are entitled to take over and conduct in Your name and on Your behalf any defence negotiation, prosecution or claim in respect of any Third Party and We shall have full discretion in the conduct of negotiations and proceedings and the settlement of any claim
   
   
5. Taking Care of Your Property
   
   You must take all reasonable steps to prevent any loss or damage to any property insured by this Policy
   
   You must maintain all insured property in good condition and in a good state of repair
   
   
6. Changes in Your circumstances
   
   You must notify Endsleigh in writing as soon as is reasonably possible of any change which may affect this Policy and in particular:-
   • any change of ownership; or
   • any change in or end to tenancy agreements; or
   • if Your Property will be Unoccupied for more than 90 days
   You must notify Endsleigh at the renewal of Your Policy if You have been declared bankrupt or have been convicted of arson or of any offence involving dishonesty of any kind, including fraud, theft or handling of stolen goods
   
   If there is any alteration after inception of this Policy which increases the risk of loss, damage, accident or liability, We may void the Policy and in the process refuse to deal with any claim unless such alteration has been accepted by Us in writing
   
   
7. Misrepresenting a claim
   
   If You make a claim knowing it to be false, fraudulent or misrepresented in amount or otherwise so as to prejudice Our position, all Your rights to claim shall be forfeited and all Cover under the Policy shall cease immediately
   
   
8. Our right to cancel the Policy
   
   This Landlord's Insurance Policy may be cancelled
   • by Us or Our Authorised Underwriting Agents by sending You seven days notice in writing to Your last known address and You will be entitled to the refund of the unexpired portion of Your premium.
   • by Us or Our Authorised Underwriting Agents immediately if You do not pay the premium.
   
   
   
9. Insurance covering the same property
   
   If at the time of any loss, damage or liability resulting in a claim under this Policy, You have any other insurance covering the same loss, damage or liability, We will only pay Our share of the claim