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 Exclusions - These Exclusions apply to the whole Policy

1. Radioactive contamination
   
   We will not pay for any expense, consequential loss, legal liability or any loss or damage to property directly or indirectly caused by or contributed to by or arising from
   • ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel
   • the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof
   
   
   
2. War risks and terrorism
   
   This Landlords Insurance Policy does not cover death, bodily injury, loss, damage, cost or expense of whatever nature or any consequence resulting directly or indirectly from or in connection with:
   • war, invasion, act of foreign enemy hostilities or a warlike operation or operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, coup, riot or civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.
   • any act of terrorism regardless of any other cause or event contributing at the same time or in any other sequence to the loss.
     
     For the purposes of this exclusion an act of terrorism means
     • the use or threat of force and/or violence; and/or
     • harm or damage to life or to property (or the threat of such harm or damage) including but not limited to harm or damage by nuclear and/or chemical and/or biological and/or radiological means caused or occasioned by any person(s) or group(s) of persons or so claimed in whole or in part for political, religious, ideological or similar purposes.
   • Any action taken in controlling preventing suppressing or in any way relating to (a) or (b) above.
   
   
   
3. Sonic bangs
   
   We will not pay for loss or damage by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speeds
   
   
4. Pollution or contamination
   
   We will not pay for any claim or expense of any kind caused directly or indirectly by pollution or contamination, other than caused by a sudden, identifiable, unintended and unexpected incident which takes place in its entirety at a specific time and place during the Period of Insurance
   
   All pollution or contamination which arises out of one incident shall be deemed to have occurred at the same time such incident takes place
   
   
5. Reduction in value
   
   We will not pay for any reduction in the value of the property insured following repair, reinstatement or replacement paid for under this Policy
   
   
6. Miscellaneous exclusions
   
   We will not pay for:-
   • any liability arising from an agreement which would not have existed in the absence of that agreement
   • any household goods or personal effects owned by any tenant living in Your Property
   • any accident, injury, loss or damage occurring before the Cover under this Policy started
   • any loss or damage caused by deception, unless it is only entry that is gained by deception
   • any liability arising directly or indirectly from any business profession or trade
   • any liability arising directly or indirectly from the transmission of
     • Human Immunodeficiency Virus (HIV) and/or any HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutant derivative or variations thereof however caused
     • any communicable disease
       by You or any person living in Your Property
   • any property primarily owned or held in trust in connection with any business, profession or trade, other than that relating to the letting of Your Property
   
   
   
7. Uninsurable risks
   
   We will not pay for:-
   • the cost of maintenance
   • damage caused by wear and tear, atmospheric and climatic conditions (other than storm or flood), rot, fungus, insects, vermin or any gradually operating cause
   • damage caused by the process of cleaning, dyeing, repair or restoration
   • mechanical or electrical breakdown
   • confiscation or detention by order of any Government, Public or Police Authority