Direct Line Home Insurance

Contents

Payments can be made by monthly Direct Debit, Credit or Debit Card.
There is a 5% discount for a single payment with a Continuous Payment Authority

Important information
1. Your right to cancel
If this cover does not meet your requirements, please return all your documents within 21 days of receipt to Direct Line House, The Headrow, Leeds LS1 8HZ. We will return any premium paid in full provided no claims have been made on the policy during that time.

Section 2 - Contents insurance
F Basis of settling claims
1 For any one item of contents, or part of a set or suite, that is lost or damaged, we will decide to either:
a) pay the cost of replacing the item or part as new;
b) replace the item or part as new;
c) pay the cost of repairing the item or part; or
d) make a cash payment.
2 We will reduce any claim payment for:
a) clothing or; or
b) any item or part which is not replaced or repaired;
to take account of wear and tear or improvement in their condition.
3 The most we will pay for any one claim will be the total sum insured on contents shown in the schedule, up to the following limits:
a) we will not pay more than the individual sum insured for any item
b) we will not pay more than £500 for money
c) we will not pay more than £500 for credit cards
d) we will not pay more than £1, 500 for any one valuable unless the schedule shows otherwise
e) we will not pay more than the amount shown in the schedule for any loss of or damage to valuables.
f ) we will not pay more than the amount shown in paragraphs B1, B2, B8 and B9 of this section 2.

Section 3 - Personal possessions
D - Basis of claims settlement
1 For any one item of personal possessions or part of a set that is lost or damaged we will decide to either:
a) pay the cost of replacing the item or part as new;
b) replace the item or part as new;
c) pay the cost of repairing the item or part; or
d) make a cash payment.
2 We will reduce any claim payment for:
a) clothing (including sports clothing); or
b) any item or part which is not replaced or repaired;
to take account of wear and tear or an improvement in their condition.
3 The most we will pay for any one claim will be the total sum insured on personal possessions shown in the schedule up to the following limits:
a) we will not pay more than the individual sum insured for any item;
b) we will not pay more than £2,000 for any one item, set or collection, unless the schedule states otherwise; or
c) we will not pay more than the amount shown in B3 of this section 3.
We will also pay any amount due under paragraphs B1 and B2 of this section 3.
4 If you claim for an item specified in your schedule you will need to provide proof of the items value. To help you do this we recommend that you keep photos, instruction booklets, copies of valuations and receipts.
5 The sum insured will not be reduced after we pay a claim unless the claim relates to the total loss of any item specified in your schedule.
6 Any claim settlement for loss or damage will be reduced by the amount of any excess shown in the schedule.

Section 2 - Contents insurance
F - Basis of claim settlement
3 The most we will pay for any one claim will be the total sum insured on contents shown in the schedule, up to the following limits:
a) we will not pay more than the individual sum insured for any item
b) we will not pay more than £500 for money
c) we will not pay more than £500 for credit cards
d) we will not pay more than £2,000 for any one valuable unless the schedule shows otherwise
e) we will not pay more than the amount shown in the schedule for any loss of or damage to valuables.
f ) we will not pay more than the amount shown in paragraphs B1, B2, B8 and B9 of this section 2.

Section 2 - Contents insurance
F - Basis of claim settlement
3 The most we will pay for any one claim will be the total sum insured on contents shown in the schedule, up to the following limits:
a) we will not pay more than the individual sum insured for any item
b) we will not pay more than £500 for money
c) we will not pay more than £500 for credit cards
d) we will not pay more than £2,000 for any one valuable unless the schedule shows otherwise
e) we will not pay more than the amount shown in the schedule for any loss of or damage to valuables.
f ) we will not pay more than the amount shown in paragraphs B1, B2, B8 and B9 of this section 2.

Section 2 - Contents insurance
D - Frozen foods
We will pay the costs of replacing food spoilt in any freezer or fridge in your home because of a rise or fall in temperature, or the refrigerant or refrigerant fumes escaping.
But not
a) any deliberate act of the electricity provider or its employees;
b) any claim where the refrigeration unit of the appliance is over 10 years old, unless it is regularly serviced under a maintenance contract.
c) after your home has been unoccupied for more than 60 days in a row.
For any claim, we will not pay more than the limit shown in the schedule.

Section 2 - Contents insurance
D - Frozen foods
We will pay the costs of replacing food spoilt in any freezer or fridge in your home because of a rise or fall in temperature, or the refrigerant or refrigerant fumes escaping.
But not
a) any deliberate act of the electricity provider or its employees;
b) any claim where the refrigeration unit of the appliance is over 10 years old, unless it is regularly serviced under a maintenance contract.
c) after your home has been unoccupied for more than 60 days in a row.
For any claim, we will not pay more than the limit shown in the schedule.

Here for your home emergencies - day or night
If the worst happens - a burst pipe, fallen tree, lost keys you can get immediate help by calling our 24 Hour Emergency Helpline.
- A qualified tradesman will get in touch to give you immediate advice and an expected arrival time
- Agreed rates will protect you from being charged too much when youre billed for the work
- If the damage is covered by your home insurance policy, you will be able to recover the cost, less your excess.
- Please note, if there is a lot of damage, the tradesman will only be able to carry out emergency repairs to prevent further damage.
- Make sure you report any major damage to public services water, gas or electricity to the water, gas or electricity company first.

24hr Emergency Helpline
0845 601 3004

Here for your home emergencies - day or night
If the worst happens - a burst pipe, fallen tree, lost keys you can get immediate help by calling our 24 Hour Emergency Helpline.
- A qualified tradesman will get in touch to give you immediate advice and an expected arrival time
- Agreed rates will protect you from being charged too much when youre billed for the work
- If the damage is covered by your home insurance policy, you will be able to recover the cost, less your excess.
- Please note, if there is a lot of damage, the tradesman will only be able to carry out emergency repairs to prevent further damage.
- Make sure you report any major damage to public services water, gas or electricity to the water, gas or electricity company first.

24hr Emergency Helpline
0845 601 3004

Section 1 - Buildings insurance
E - Basis of claims settlement
1. We will pay the cost incurred in reinstatement or repair of that part of the buildings which is damaged by any of the causes insured by this section without any deduction for wear and tear provided that at the time of such damage the buildings are in a good state of repair.
2. We will not pay any reduction in the market value of your home resulting from reinstatement or repair of or damage to the buildings.
3. If the damage to the buildings is not reinstated or repaired or the buildings are not in a good state of repair then we will pay at our option:
a) the cost of reinstating the damage less a deduction for any wear and tear or betterment; or
b) the difference between the sale value of your home in the open market immediately prior to the damage and its residual value following such damage.
4. The most we will pay for any one claim will be the total sum insured shown in the schedule plus any amount payable under paragraphs B5, B6 and B7 of this section.
5. The sum insured will not be reduced by a claim payment.
6. Any claim settlement for loss or damage will be reduced by the amount of any excess shown in the schedule.

Section 2 - Contents insurance
F Basis of settling claims
1 For any one item of contents, or part of a set or suite, that is lost or damaged, we will decide to either:
a) pay the cost of replacing the item or part as new;
b) replace the item or part as new;
c) pay the cost of repairing the item or part; or
d) make a cash payment.
2 We will reduce any claim payment for:
a) clothing; or
b) any item or part which is not replaced or repaired;
to take account of wear and tear or improvement in their condition.
3 The most we will pay for any one claim will be the total sum insured on contents shown in the schedule, up to the following limits:
a) we will not pay more than the individual sum insured for any item
b) we will not pay more than £500 for money
c) we will not pay more than £500 for credit cards
d) we will not pay more than £2,000 for any one valuable unless the schedule shows otherwise
e) we will not pay more than the amount shown in the schedule for any loss of or damage to valuables.
f ) we will not pay more than the amount shown in paragraphs B1, B2, B8 and B9 of this section 2.

Section 3 - Personal possessions
D - Basis of claims settlement
1 For any one item of personal possessions or part of a set that is lost or damaged we will decide to either:
a) pay the cost of replacing the item or part as new;
b) replace the item or part as new;
c) pay the cost of repairing the item or part; or
d) make a cash payment which will not be more than the amount it would have cost us to replace or repair the item using our own suppliers.
2 We will reduce any claim payment for:
a) clothing (including sports clothing); or
b) any item or part which is not replaced or repaired;
to take account of wear and tear or an improvement in their condition.
3 The most we will pay for any one claim will be the total sum insured on personal possessions shown in the schedule up to the following limits:
a) we will not pay more than the individual sum insured for any item;
b) we will not pay more than £2,000 for any one item, set or collection, unless the schedule states otherwise; or
c) we will not pay more than the amount shown in B3 of this section 3.
We will also pay any amount due under paragraphs B1 and B2 of this section 3.
4 If you claim for an item specified in your schedule you will need to provide proof of the items value. To help you do this we recommend that you keep photos, instruction booklets, copies of valuations and receipts.
5 The sum insured will not be reduced after we pay a claim unless the claim relates to the total loss of any item specified in your schedule.
6 Any claim settlement for loss or damage will be reduced by the amount of any excess shown in the schedule.

Section 4 - Pedal cycles (Optional extra)
C - Basis of claims settlement
1 For any one cycle lost or damaged we will decide to either:
a) pay the cost of replacing the cycle;
b) replace the cycle;
c) pay the cost of repairing the cycle; or
d) make a cash payment.
2 we will take an amount off the claim payment to take account of wear and tear.
3 The most we will pay for any one cycle will be the limit shown in the schedule.
4 Any claim settlement will :
a) not be more than the sum insured shown in the schedule; and
b) be reduced by the amount of any excess shown in the schedule.

Conditions which apply to the whole policy
1 Policy terms and conditions
You and any other person entitled to benefit under this policy must keep to its terms, conditions and endorsements.
2 Preventing loss
You must take all reasonable steps to:
a) prevent any loss, damage or accident; and
b) maintain the insured property in good condition and repair.
3 Cancellation
a) You may cancel the policy by giving us written notice. We will refund any premium paid for the remaining period of insurance, less our cancellation charge as shown in your schedule, as long as you have not made any claim in the current period of insurance.
b) We may cancel the policy by sending seven days written notice to you at your last-known address. We will refund any premium paid for the remaining period of insurance, as long as you have not made any claim up to the date of cancellation.
4 Payment of Premium
a) If you do not pay a premium on time, we will assume that you intend to cancel the policy and cover under this policy will end from the date the payment was due.
b) In the event that you are paying your premium by instalments, if we pay a claim under your policy, you must immediately pay the premium outstanding up to the end of your policy period. If you dont, we can take the amount you owe us from any claim we pay.
5 Automatic Renewal
When your policy is due for renewal, we may offer to renew it for you automatically. This saves you the worry of remembering to call us before the policy ends. If we offer to do this for you, we will write to you before the policy ends with full details of your next years premium and policy conditions. If you do not want to renew the policy, all you need to do is call our customer priority line on 0845 246 8585 to let us know.
6 Fraud
If any claim or part of a claim is fraudulent or false, the policy will be cancelled and all cover under it will end.
7 Changes that may affect your cover
You must tell us as soon as possible if there are any changes that may affect your insurance, such as the following:
If you change the address where you normally live.
If any work being done to your home is not routine maintenance or decoration.
If you or any member of your family is prosecuted for or convicted of any offence.
If you let your home out to tenants or a lodger moves in.
If your home is used for business purposes or as a holiday home.
We may then reassess your cover and premium either immediately or at your next renewal date, depending on the information you have provided.
Note: the list above does not set out all changes you must tell us about. If you are not sure whether a change may affect your cover, contact us anyway.
8 Number of bedrooms
You must tell us if the number of bedrooms in your home changes from what is shown in the schedule.

Claims conditions
1 Reporting a claim
When you find out about the possibility of a claim under this policy, you must tell us as soon as possible.
2 Loss or damage claims
For any loss or damage claim you must do the following:
a) at your expense, provide us with any information and evidence we ask for, including written estimates and proof of ownership or value.
b) immediately tell the police about any loss or damage by deception, theft, attempted theft, vandalism, malicious acts, riot or civil commotion, or if any property has been lost outside your home.
3 Liability claims
For any liability claim you must:
a) send us any letter, claim, writ or summons in connection with the claim or potential claim as soon as you receive it; and
b) not admit, deny, negotiate or settle a claim without our written consent.
4 Abandonment
You cannot abandon any property to us.
5 Enforcing your rights
We may at our expense and in your name take any steps necessary to enforce your rights against any other person either before or after we pay a claim.
6 Other insurances
If there is any other insurance covering the same loss, damage or liability we will only pay our share of any claim.

Exclusions that apply to sections 1 to 4 of the policy
This policy does not cover:
This policy does not cover claims arising from the following:
1 Radioactive contamination
Any expense, legal liability, or any loss or damage to property directly or indirectly caused by, arising from or contributed to by:
a) ionising radiation or radioactive contamination from any nuclear fuel or from any nuclear waste from burning nuclear fuel.
b) the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or nuclear part of that equipment.
2 War risks
Any result of war, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution or similar event.
3 Sonic bangs
Loss or damage caused by pressure waves from aircraft or other Flying objects travelling at or above the speed of sound.
4 Existing damage
Any loss or damage that happened before cover started.
5 Pollution or contamination
Any expense, legal liability, or any loss or damage to property directly or indirectly caused by pollution or contamination, unless arising from oil leaking from any fixed heating installation or from any domestic appliance in your home during the period of insurance.
6 Failure of computers and electrical equipment
Damage or loss directly or indirectly due to:
a) any computer or other electrical equipment or component failing to correctly recognise any date as its true calendar date;
or
b) computer viruses.
7 Terrorism
Any expense, legal liability, or any loss or damage to property directly or indirectly caused by terrorism. Terrorism is defined as any person or people, whether acting alone or in connection with any organisation or government, using biological, chemical or nuclear force or contamination, whether or not committed for political, religious, ideological or similar purposes, including intending to influence any government or to put members of the public in fear.