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What is covered
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What is not covered
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The property which is covered by this section of Your Policy is detailed in the definition of Contents on page 3 of Your Endsleigh Landlords Insurance Policy Book.
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We will pay for loss or damage to Your Contents caused by:-
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The Excess stated on Your Statement of Insurance.
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Fire, explosion, lightning or earthquake
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Smoke
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Loss or damage caused by smog, agricultural or industrial operations or any gradual process
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Storm or flood
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Subsidence or heave of the site beneath the Buildings or landslip or landslide
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- Damage caused by coastal or river erosion
- Damage resulting from normal settlement, shrinkage or expansion
- Damage caused by bedding down of new structures or settlement of newly made up ground
- Damage caused by the action of chemicals on or the reaction of chemicals with any materials which form part of Your Property
- Any claim for which compensation is provided by another source
- Damage to solid floor slabs or damage resulting from their movement, unless the foundations beneath the external walls of Your Property are damaged at the same time
- Damage resulting from
- demolition or structural repairs or alterations to Your Property or Outbuildings
- faulty workmanship, defective design or the use of defective materials in Your Property
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Riot, civil commotion, strike, labour and political disturbances
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Any damage in Northern Ireland
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Malicious persons or vandals
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Loss or damage
- occurring after Your Property has been left Unfurnished or Unoccupied for more than 90 consecutive days
- caused by You or any other person who is living in Your Property
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Escape of oil from any fixed domestic heating installation
Escape of water from any washing machine, refrigerator, freezer, fixed domestic water or heating installation, or fixed fish tank
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- Damage occurring when Your Property is left Unfurnished or Unoccupied for more than 90 consecutive days
- Damage to the component or appliance from which the water or oil escapes
- Escape of oil or water from any component or appliance not specifically referred to under "What is covered" opposite
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Theft or attempted theft
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- Loss or damage
- occurring when Your Property is left Unfurnished or Unoccupied for more than 90 consecutive days
- caused by You or any person who is living in Your Property
- Theft or attempted theft which does not involve Forcible and Violent Entry Into or Exit From Your Property
- Loss by deception unless it is only entry that is gained by deception
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Impact with Your Property involving a vehicle, train or animal
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Damage caused by
- domestic pets for which either You or any person who is living in Your Property is responsible
- insects or vermin
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Impact involving an aircraft or aerial device or anything falling from them
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Temporary Removal
Loss or damage by any cause described under "Section 2 - Cover for Your Contents" for items temporarily removed from Your Property to
- any occupied private dwelling
- any building where You are residing or are employed
- any bank or safe deposit
- any trade building for the purpose of alteration, cleaning or processing
- any location elsewhere where loss or damage results from fire, lightning, explosion, or earthquake
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- Any payment in excess of 15% of the Sum Insured under "Section 2 - Cover For Your Contents" for any one claim
- Loss or damage
- occurring outside the United Kingdom
- by theft, unless it involves Forcible and Violent Entry Into or Exit From the building
- by storm or flood to Contents in the open
- by frost
- to Contents removed for sale or exhibition or to a furniture depository
- Contents in garages (detached or integral), sheds, greenhouses and other buildings, together with domestic central heating or oil/gas tanks which are not situated within the boundaries of the land belonging to Your Property
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Occupiers Liability
We will pay any amount which You become legally liable to pay, including costs and expenses incurred with Our consent, in respect of
- accidental death, bodily injury, disease or illness of any person
- accidental damage to property
happening during the Period of Insurance and arising solely as Occupier of the Property, but not its ownership,
We will also pay legal costs and expenses recoverable by any claimant and all costs and expenses agreed by Us in writing
If You die, Your legal personal representatives will have the protection of this cover for liability incurred by You
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- Any payment in excess of £2,000,000 where damages are payable for any claim or series of claims arising out of one Event
- Liability in respect of
- bodily injury or death, disease or illness to You or any person employed by You
- any trade, profession, business or employment, other than as Landlord of the Property
- loss of or damage to property in Your care
- any contract which You have entered into, unless legal liability would have attached anyway
- the ownership, possession or operation of
- road vehicles or any other mechanically propelled or assisted or horse drawn vehicle
- any power operated lift
- any wilful or malicious act by You
- transmission of any communicable disease by You
- any loss or damage to property or injury, death, disease or illness of any person, caused by a dangerous dog (being a breed specially controlled under the Dangerous Dog Act 1991 or the Dogs (Muzzling) Regulations (Northern Ireland) 1991)
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