Policy assumptions

To reduce the number of questions we ask you, we have made some assumptions about you and the property, car and/or pet you wish to insure. Please call us if you cannot agree to any of the assumptions listed below.

Occupants

• You or any person living with you or covered under this policy.
• You or any adult living with you has never had insurance cancelled, declared void or had any extra terms imposed by an insurer
• You or any person living with you or covered under this policy have never been convicted of and/or charged with any offence (other than motoring convictions and/or any convictions spent under the Rehabilitation of Offenders Act) and do not have any prosecutions pending
• You or any person living with you or covered under this policy have never been bankrupt and/or entered into an individual voluntary arrangement (IVA)
• Your business or the business of your employer is not connected with any of the following: the entertainment and fashion industry, gambling, professional sports, foreign service or foreign diplomatic personnel
• The credit / debit card that you intend to use to purchase the policy is registered in your name and the card billing address is the same as the intended policy address

Properties

Any property covered under this policy

• The home or a neighbouring property has not been affected by subsidence, landslip, heave or structural movement
• Any property covered under this policy is maintained in a good state of repair and free from any external cracking wider than 1mm (the thickness of a 10 pence piece)
• Any property (including your land) has not been flooded in the last 10 years, nor is any part of your property (including your land) currently flooded or in danger of flooding
• Property 1 is your main residence and is usually occupied by you and your family
• No business activity, other than office work or child minding is carried out at any of the properties to be insured
• None of the properties to be covered will be unoccupied for more than 60 consecutive days, excluding holiday homes
• Any property covered under this policy is not undergoing renovation or restoration where the cost of such works exceed £25,000, nor is any such work planned
• No property covered under this policy is let to DSS or students or part of a government letting scheme
• The total number of claims under household insurance does not exceed 3 in the last 3 years
  

 Cars 

Cars covered under this policy

• Each vehicle to be insured is registered in the United Kingdom
• The use of each car is provided for social, domestic and pleasure purposes including use by you and your spouse in connection with business. No other person will use the car(s) for business purposes nor will any vehicle be used for commercial travelling or airside at airports
• The car is owned and registered for licensing purposes in your name, your partner's (spouse, civil) or both if jointly owned
• The car is not imported
• The car is not modified in any way (including suspension, bodywork, engine and performance related modifications), excluding cosmetic optional extras fitted at manufacture
• The annual mileage of any car to be covered does not exceed £50,000

• All drivers are at least 17 years of age, hold a valid UK or EU driving licence and are permanent UK residents
• No driver covered under this policy has been disqualified from driving in the past 5 years
• You or any person who will drive your vehicle(s) has never had insurance cancelled or declared void by an insurer
• The total number of accidents or claims for all drivers does not exceed 5 in the last 3 years
• The total number of convictions, fixed penalties or disqualifications for all drivers does not exceed 5 in the past 5 years
• You confirm that the main driver of the cars covered under this policy is correctly stated. Any misrepresentation made by you in order to obtain a lower premium could result in cancellation of your policy and rejection of any claims
• Your business or the business of your employer is not connected with any of the following: the entertainment and fashion industry, gambling, professional sports, foreign service, foreign diplomatic personnel, mini-cab drivers or mini-cab controllers
  

Pets

Pets covered under this policy

• There is no cover for any existing or previous condition or symptoms your pet has suffered or anything in any way related to them
• There is no cover for any illness or disease for the first 14 days from the start date of the policy or the addition of a pet to your policy
• You agree that once your pet is 7 years and older, there is a mandatory co-insurance of 20% which is applied to each vet fees claim. Co-insurance is the percentage of the total claim amount which you are required to pay, in addition to the existing vet fees excess as detailed on your policy schedule.
• You are a UK resident, the owner and keeper of your pet(s) and the pet(s) is/are kept in the UK at the address given
• Your pet(s) has/have no vicious tendencies
• You have not had any insurance cancelled or declared void by an insurer
• Your pet(s) will not be used for monetary gain or in connection with any trade or business, commercial guard or security purposes or for any form of racing, breeding or gun dog activity
• You agree to take proper and reasonable care of your pet(s) at all times
• If your pet(s) has/have not been vaccinated up to date either using conventional vaccines or homoeopathic nosodes, the condition for which vaccines are routinely available will not be covered under the policy
• Your pet is more than 8 weeks old and less than 11 years old
• You accept that we will not make any payment for any claim that results from an incident covered by any other insurance such as but not limited to third party liability
• You agree to keep us informed of any changes that could affect the policy
• All cover is subject to the policy remaining in force. Any treatment costs for any new or ongoing condition, fees or charges that are incurred for any section of the policy during a period of insurance where the premium has not been received will not be covered