Nationwide Home Insurance

Contents

Cancellation
By you
You can cancel your policy within 14 days of your cover starting or within 14 days from your renewal date and have any premiums you have already paid in that period refunded in full, provided you haven't made a claim.
You can cancel your policy at any other time during the period of cover. If you pay your premium:
- annually, and provided you have not made a claim, you will receive a proportionate refund of premium for any unexpired period of cover
- monthly, you will not receive a refund of any monthly amounts already paid at the date of cancellation. If you have made a claim the insurer has the right to collect the full years' premium or deduct any outstanding amount from your claim.
To cancel your policy, call Nationwide on 08457 30 20 10 or write to the following address:
General Insurance Service Team
Nationwide Building Society
Kings Park Road
Moulton Park
Northampton
NN3 6NW
If you choose not to cancel your policy, it will continue in force and you will be required to pay the premium.
By the insurer
The insurer may cancel your policy by writing to you at your last known address at least seven days before they want the policy to end.
If you pay your premium annually, you will be entitled to a proportionate refund of premiums already paid for the unexpired period of cover. If you pay your premium monthly, you will not receive a refund of any monthly amounts already paid at the date of cancellation.

Section 3 and Section 4 - Making Contents Claims
How claims will be settled
When you make a claim under Sections 3 or 4 the insurer can choose to:
- pay the cost of repairs arranged by you
- instruct the repairs themselves and pay the cost
- pay for the cost of an equivalent replacement (if you arrange this direct with your own supplier, the insurer will not pay more than it would have cost had they replaced it)
- supply you with an equivalent replacement item
- give you a cash payment based on the cost of the repair if this is not carried out
- give you a cash payment based on the reduction in value after the loss or damage.
The insurer has the right to negotiate, settle or defend any claim in your name and on your behalf. They can also take steps to recover any payment they have made.
How much will be paid
Unless a more specific limit is shown in Section 3 or Section 4, the most the insurer will pay for all claims that arise out of one incident, after any excesses, is shown in the table below.

Item        Amount
For all contents in total     The sum insured shown in your schedule
For valuables in total     The sum insured shown in your schedule
For individual valuables     £2,000 unless specified separately in your schedule
For home office contents    £5,000 unless increased by endorsement
For money      £500
For visitors belongings     £500

If you are claiming for clothing or household linen, the insurer will reduce the amount they pay to reflect any wear and tear of the items.
If your sum insured is not sufficient to cover the full cost of your contents, the insurer can reduce your claim settlement by the same percentage that your sum insured is inadequate.

The Contents Definitions reads:
- Household furniture, furnishings and goods, money, valuables, pedal cycles, gardening equipment and gardening machinery, personal possessions and other personal property (including satellite dishes, aerials, their fittings and masts), which are for your own private use
- Home office contents
- Visitors' belongings (but not if they are covered by the visitors' own insurance).
All the above items, except for visitors' belongings, must belong to you or you must be legally responsible for them.
It does not include:
- aircraft, hovercraft or watercraft (unless designed to be hand propelled only)
- adults and children's motor cycles and motor vehicles
- caravans, trailers or trailer tents
- parts for any of the above items
- accessories for any of the above items whilst they are attached to them
- any kind of animal
- documents
- business stock or tools of your trade.


Section 3 and Section 4 - Making Contents Claims
How much will be paid
Unless a more specific limit is shown in Section 3 or Section 4, the most the insurer will pay for all claims that arise out of one incident, after any excesses, is shown in the table below.

Item        Amount
For money      £500

Section 3 - Contents Standard Cover
Your schedule will show if you have chosen to include this Section. If not and you would like to add the cover, call 08457 30 20 10.
This Section tells you what type of damage your contents are insured for. Where something is not covered, this is shown in italic to make it clear for you. There are also some exclusions that apply to the whole policy. These are explained on page 20 and are also shown in italic.

In addition to the insured incidents 1 to 11 you also have the extra protection shown in 12 to 31 below.
20. Debit, credit, cheque and cash cards
You have cover for any financial loss you suffer if your debit, credit, cheque or cash card is lost or stolen and then fraudulently used by someone else.
The insurer will pay up to £500 for any one claim.
You are not covered for:
- any loss where you have failed to comply with the terms and conditions of the card issuing authority
- any loss following fraudulent use by any person related to you
- any loss more specifically insured or covered by any other agreement.

Section 3 - Contents Standard Cover
Your schedule will show if you have chosen to include this Section. If not and you would like to add the cover, call 08457 30 20 10.
This Section tells you what type of damage your contents are insured for. Where something is not covered, this is shown in italic to make it clear for you. There are also some exclusions that apply to the whole policy. These are explained on page 20 and are also shown in italic.

In addition to the insured incidents 1 to 11 you also have the extra protection shown in 12 to 31 below.
14. Freezer and refrigerator contents
You have cover for replacing contents spoilt in any deep freezer or refrigerator in your home, caused by a rise or fall in temperature or escape of refrigerant or refrigerant fumes.
This cover includes goods elsewhere in your home that would normally have been in the deep freezer or refrigerator had the units not failed.
The insurer will pay up to £500 for any one claim.
You are not covered for any spoilt goods:
- if caused by the deliberate act of the supply authority or the withholding or restricting of power by the authority.

Section 3 - Contents Standard Cover
Your schedule will show if you have chosen to include this Section. If not and you would like to add the cover, call 08457 30 20 10.
This Section tells you what type of damage your contents are insured for. Where something is not covered, this is shown in italic to make it clear for you. There are also some exclusions that apply to the whole policy. These are explained on page 20 and are also shown in italic.

In addition to the insured incidents 1 to 11 you also have the extra protection shown in 12 to 31 below.
14. Freezer and refrigerator contents
You have cover for replacing contents spoilt in any deep freezer or refrigerator in your home, caused by a rise or fall in temperature or escape of refrigerant or refrigerant fumes.
This cover includes goods elsewhere in your home that would normally have been in the deep freezer or refrigerator had the units not failed.
The insurer will pay up to £500 for any one claim.
You are not covered for any spoilt goods:
- if caused by the deliberate act of the supply authority or the withholding or restricting of power by the authority.

Welcome
Thank you for choosing Nationwide Home Insurance.
If you change your mind about your policy, and provided you haven't made a claim, you can cancel it within 14 days of your policy starting and have your premium refunded.
As part of your policy, a range of services are available for you to use at any time, 24 hours a day, 365 days a year. Calls are charged at the local rate.
Please have your policy number with you when you call.

Claims Advice Helpline 08458 50 40 12
Use this service to report a new claim or get help with an existing claim, other than Legal Assistance claims when you should contact 08458 50 40 14 .

Home Emergency Helpline 08458 50 40 13
Use this service for urgent assistance with emergencies in your home such as a burst pipe, damage to your roof or a broken window. You will be put in touch with a skilled and reliable tradesman who will be able to carry out repairs for you.
If you have chosen to include the Home Emergency section of the policy, and provided you call the helpline to notify us of the emergency, you may have cover for the costs involved.
If not, you will be responsible for paying the tradesman for any work carried out, including call-out fees.
This service is provided by DAS Legal Expenses Insurance Company Limited.

Legal Assistance Helpline 08458 50 40 14
Use this service for confidential legal advice over the phone on any personal legal problem, under the laws of the member countries of the European Union, the Isle of Man, the Channel Islands, Switzerland and Norway.
You can also use this service to discuss a potential Legal Assistance claim, if you have purchased cover under this section of the policy.
This service is provided by DAS Legal Expenses Insurance Company Limited.


Other Helplines 08458 50 40 15
Counselling
Use this service for confidential counselling over the phone.
Qualified and experienced counsellors can listen and guide you on a range of emotional issues including marital and relationship problems, bereavement, stress and anxiety.
Tax Advice
Use this service for confidential advice over the phone on personal tax matters. Specialists can give you information and advice on personal tax problems and the tax implications of a range of subjects such as investments, property, trusts, inheritance and pensions.
Health and Medical Advice
Use this service for health care information and guidance by qualified nurses. It also includes general advice on Social Security and Social Services matters including benefits available, patient rights and procedural matters. The service does not include diagnosis or prescription which should be obtained from a doctor.
All these services are provided by DAS Legal Expenses Insurance Company Limited.

Welcome
Thank you for choosing Nationwide Home Insurance.
If you change your mind about your policy, and provided you haven't made a claim, you can cancel it within 14 days of your policy starting and have your premium refunded.
As part of your policy, a range of services are available for you to use at any time, 24 hours a day, 365 days a year. Calls are charged at the local rate.
Please have your policy number with you when you call.

Claims Advice Helpline 08458 50 40 12
Use this service to report a new claim or get help with an existing claim, other than Legal Assistance claims when you should contact 08458 50 40 14 .

Home Emergency Helpline 08458 50 40 13
Use this service for urgent assistance with emergencies in your home such as a burst pipe, damage to your roof or a broken window. You will be put in touch with a skilled and reliable tradesman who will be able to carry out repairs for you.
If you have chosen to include the Home Emergency section of the policy, and provided you call the helpline to notify us of the emergency, you may have cover for the costs involved.
If not, you will be responsible for paying the tradesman for any work carried out, including call-out fees.
This service is provided by DAS Legal Expenses Insurance Company Limited.

Legal Assistance Helpline 08458 50 40 14
Use this service for confidential legal advice over the phone on any personal legal problem, under the laws of the member countries of the European Union, the Isle of Man, the Channel Islands, Switzerland and Norway.
You can also use this service to discuss a potential Legal Assistance claim, if you have purchased cover under this section of the policy.
This service is provided by DAS Legal Expenses Insurance Company Limited.


Other Helplines 08458 50 40 15
Counselling
Use this service for confidential counselling over the phone.
Qualified and experienced counsellors can listen and guide you on a range of emotional issues including marital and relationship problems, bereavement, stress and anxiety.
Tax Advice
Use this service for confidential advice over the phone on personal tax matters. Specialists can give you information and advice on personal tax problems and the tax implications of a range of subjects such as investments, property, trusts, inheritance and pensions.
Health and Medical Advice
Use this service for health care information and guidance by qualified nurses. It also includes general advice on Social Security and Social Services matters including benefits available, patient rights and procedural matters. The service does not include diagnosis or prescription which should be obtained from a doctor.
All these services are provided by DAS Legal Expenses Insurance Company Limited.

Section 1 and Section 2 - Making Buildings Claims
How claims will be settled
- When you make a claim under Section 1 or Section 2, the insurer can choose to pay to have the damaged parts of your buildings repaired, replaced or rebuilt back to the form they were in immediately before the loss or damage happened.
- The insurer has the right to negotiate, settle or defend any claim in your name and on your behalf. They can also take steps to recover any payment they have made.
How much will be paid
- Up to the full cost of repairs, replacement or rebuilding, less any excesses. This is provided you have maintained your buildings in a good state of repair. If not, a deduction for wear and tear may be made.
- If your schedule shows a sum insured amount, this is the most the insurer will pay and must represent the full rebuilding cost of your buildings in the same form, style and condition as new. If the sum insured is too low, the insurer can reduce your claim settlement by the same percentage that your sum insured is inadequate.
- The insurer will not pay for any reduction in the market value of your home that may result from the repair, replacement or rebuilding work carried out.
- If repairs, replacement or rebuilding is not carried out, the insurer will pay the reduction in market value of your home resulting from the damage.
Undamaged parts of sets, suites or matching items
The insurer will not pay the cost of altering or replacing any undamaged part of the buildings, which is either part of a set, suite or part of a common design or function, when the damage is to a clearly definable area or to a specific part.
Your responsibilities when making a claim
- Always contact the Claims Advice Service on 08458 50 40 12 if you need advice on something that has happened, or to make a claim, and quote your policy number.
- Inform the Police if you suspect that theft or malicious damage has been carried out. You will need to provide details of the Police station and crime reference number.
- Provide any information and assistance the insurer may reasonably need to deal with your claim. You will be responsible for paying any costs involved in this.
- Allow the insurer access to your buildings to assess the damage.
- Immediately send to Nationwide any writ, summons, letters, claims or any other documents you receive from anyone else.
You must not answer any of these yourself.
What you must not do
- Dispose of any damaged items, make any permanent repairs or replace the items before the insurer is given the chance to see them and confirms you can go ahead.
- Abandon any damaged items to the insurer for them to deal with.
- Admit, deny or comment on any claim made by anyone else against you, or make any agreement with them.
What the insurer will do
- Contact you if more information is needed, or arrange for someone to visit you to discuss your claim and assess the damage. This person will be representing the insurer's claims department, or will be an independent Chartered Loss Adjuster or other appropriate specialist.
- Settle your claim as quickly and efficiently as possible.
- If a claim is settled direct with you payment will be made to the policyholder, unless the policyholder gives authority to pay someone else.
- If you have a mortgage with Nationwide on the property insured, Nationwide has the right to ask for the claim settlement to be made payable to Nationwide.
- If someone else has a financial interest in the property insured, they may also have the right to ask for the claim settlement to be made to them.
Important Information about excesses
If you need to claim under more than one Section of this policy for damage caused by the same incident, such as fire damage to both your buildings and contents, you will have to pay the excess under each Section.



Section 3 and Section 4 - Making Contents Claims
How claims will be settled
When you make a claim under Sections 3 or 4 the insurer can choose to:
- pay the cost of repairs arranged by you
- instruct the repairs themselves and pay the cost
- pay for the cost of an equivalent replacement (if you arrange this direct with your own supplier, the insurer will not pay more than it would have cost had they replaced it)
- supply you with an equivalent replacement item
- give you a cash payment based on the cost of the repair if this is not carried out
- give you a cash payment based on the reduction in value after the loss or damage.
The insurer has the right to negotiate, settle or defend any claim in your name and on your behalf. They can also take steps to recover any payment they have made.
How much will be paid
Unless a more specific limit is shown in Section 3 or Section 4, the most the insurer will pay for all claims that arise out of one incident, after any excesses, is shown in the table below.

Item        Amount
For all contents in total     The sum insured shown in your schedule
For valuables in total     The sum insured shown in your schedule
For individual valuables     £2,000 unless specified separately in your schedule
For home office contents    £5,000 unless increased by endorsement
For money      £500
For visitors belongings     £500
If you are claiming for clothing or household linen, the insurer will reduce the amount they pay to reflect any wear and tear of the items.
If your sum insured is not sufficient to cover the full cost of your contents, the insurer can reduce your claim settlement by the same percentage that your sum insured is inadequate.

Undamaged parts of sets, suites or matching items
The insurer will not pay the cost of altering or replacing any undamaged part of the item(s), which is either part of a set, suite or part of a common design or function, when the damage is to a clearly definable area or to a specific part.
Your responsibilities when making a claim
- Always contact the Claims Advice Service on 08458 50 40 12 if you need advice on something that has happened, or to make a claim, and quote your policy number.
- Inform the Police if any property is lost, or if you suspect that theft or malicious damage has been carried out. You will need to provide details of the Police station and crime reference number.
- Provide any information and assistance the insurer may reasonably need to deal with your claim, including valuations or other proof of value for individual valuables listed in your schedule. You will be responsible for paying any costs involved in this.
- Allow the insurer access to your home to assess the damage.
- Immediately send to Nationwide any writ, summons, letters, claims or any other documents you receive from anyone else.
You must not answer any of these yourself.
What you must not do
- Dispose of any damaged items, make any permanent repairs or replace the items before the insurer is given the chance to see them and confirms you can go ahead.
- Abandon any damaged items to the insurer for them to deal with.
- Admit, deny or comment on any claim made by anyone else against you, or make any agreement with them.
What the insurer will do
- Contact you if more information is needed, or arrange for someone to visit you to discuss your claim and assess the damage. This person will be representing the insurers claims department, or will be an independent Chartered Loss Adjuster or other appropriate specialist.
- Settle your claim as quickly and efficiently as possible.
- If a claim is settled direct with you payment will be made to the policyholder, unless the policyholder gives authority to pay someone else.
Important information about excesses
If you need to claim under more than one Section of this policy for damage caused by the same incident, such as fire damage to both your buildings and contents, you will have to pay the excess under each Section.


Section 5 - Making Personal Possessions Claims
How claims will be settled
When you make a claim under Section 5 the insurer can choose to:
- pay the cost of repairs arranged by you
- instruct the repairs themselves and pay the cost
- pay for the cost of an equivalent replacement (if you arrange this direct with your own supplier, the insurer will not pay more than it would have cost had they replaced it)
- supply you with an equivalent replacement item
- give you a cash payment based on the cost of the repair if this is not carried out
- give you a cash payment based on the reduction in value after the loss or damage.
The insurer has the right to negotiate or settle any claim in your name and on your behalf. They can also take steps to recover any payment they have made.
How much will be paid
Unless a more specific limit is shown in Section 5, the most the insurer will pay for all claims that arise out of one incident, after any excesses, is shown in the table below.

Item           Amount
For unspecified items of personal      The sum insured shown in your schedule possessions in total
For any one item of unspecified personal possessions   £2,000
For individually specified items of personal possessions   The sum insured shown in your schedule for that item
For money         £500
If you are claiming for clothing, the insurer will reduce the amount they pay to reflect any wear and tear of the items.

Undamaged parts of sets or matching items
The insurer will not pay the cost of altering or replacing any undamaged part of the item(s), which is either part of a set or part of a common design or function, when the damage is to a clearly definable area or to a specific part.
Your responsibilities when making a claim
- Always contact the Claims Advice Service on 08458 50 40 12 if you need advice on something that has happened, or to make a claim, and quote your policy number.
- Inform the Police if any property is lost, or if you suspect that
theft or malicious damage has been carried out. You will need to provide details of the Police station and crime reference number.
- Provide any information and assistance the insurer may reasonably need to deal with your claim, including valuations or other proof of value for individual items specified in your schedule. You will be responsible for paying any costs involved in this.
What you must not do
- Dispose of any damaged items, make any permanent repairs or replace the items before the insurer is given the chance to see them and confirms you can go ahead.
- Abandon any damaged items to the insurer for them to deal with.
What the insurer will do
- Contact you if more information is needed, or arrange for someone to visit you to discuss your claim. This person will be representing the insurer's claims department, or will be an independent Chartered Loss Adjuster or other appropriate specialist.
- Settle your claim as quickly and efficiently as possible.
- If a claim is settled direct with you payment will be made to the policyholder, unless the policyholder gives authority to pay someone else.


Section 6 - Making Pedal Cycles Claims
How claims will be settled
When you make a claim under Section 6 the insurer can choose to:
- pay the cost of repairs arranged by you
- instruct the repairs themselves and pay the cost
- pay for the cost of an equivalent replacement (if you arrange this direct with your own supplier, the insurer will not pay more than it would have cost had they replaced it)
- supply you with an equivalent replacement item
- give you a cash payment based on the cost of the repair if this is not carried out
- give you a cash payment based on the reduction in value after the loss or damage.
The insurer has the right to negotiate or settle any claim in your name and on your behalf. They can also take steps to recover any payment they have made.

How much will be paid
Item      Amount
For any one claim in total   The sum insured shown in your schedule
For any one pedal cycle   £2,000 unless increased by Endorsement

Your responsibilities when making a claim
- Always contact the Claims Advice Service on 08458 50 40 12 if you need advice on something that has happened, or to make a claim, and quote your policy number.
- Inform the Police if any property is lost, or if you suspect that theft or malicious damage has been carried out. You will need to provide details of the Police station and crime reference number.
- Provide any information and assistance the insurer may reasonably need to deal with your claim. You will be responsible for paying any costs involved in this.
What you must not do
- Dispose of any damaged items, make any permanent repairs or replace the items before the insurer is given the chance to see them and confirms you can go ahead.
- Abandon any damaged items to the insurer for them to deal with.
What the insurer will do
- Contact you if more information is needed, or arrange for someone to visit you to discuss your claim. This person will be representing the insurer's claims department, or will be an independent Chartered Loss Adjuster or other appropriate specialist.
- Settle your claim as quickly and efficiently as possible.
- If a claim is settled direct with you, payment will be made to the policyholder, unless the policyholder gives authority to pay someone else.

Conditions For Unfurnished or Unoccupied Homes
When your home is unfurnished or unoccupied, your cover under Sections 1, 3 and 8 of this policy will not be affected if you meet all the following conditions.
- All the existing locks and any other protective devices are used.
- Your domestic water system and heating installation are turned off at the mains and drained down. You do not need to do this if you use your central heating system to keep your home constantly heated to a minimum of 12°C (or 55°F) between 1st November to 31st March inclusive.
- Any gas services are turned off at the mains or supply tank. You do not need to do this if you are keeping your central heating system on and need to supply it with gas.
- Any oil supply is turned off at the supply tank. You do not need to do this if you are keeping your central heating system on and need to supply it with oil.
- Your home is checked internally at least every 14 days.

Conditions That Apply To The Whole Policy
Changes in your circumstances
If there are changes in your circumstances that may affect your policy, you must tell Nationwide as soon as possible. This would include:
- you no longer using the home as your main residence
- moving house
- structural alterations to your buildings, including the addition of bedrooms
- you taking in lodgers or letting your home to other people
- using part of your home for business
- convictions (but not for motoring offences) or pending prosecutions.
If you do not tell us about relevant changes:
- you may be charged the wrong premium
- the insurer may not accept a claim
- your policy could be made invalid.
Dishonest claims
If you or anyone acting for you makes a claim under this policy that is dishonest in any way, it will not be paid. If this happens, the insurer has the right to reduce your cover or cancel your policy immediately and also notify the Police.
Interested parties - buildings insurance
If you have a mortgage with Nationwide on the property insured, Nationwide is jointly insured as the policyholder under Sections 1 and 2 of this policy. For this purpose only, Nationwide includes any subsidiary or limited liability partnership of which it is a member.
If you tell us about anyone else who has a financial interest in your buildings, their interest in this insurance will be noted and shown in your schedule.
Keeping your sums insured adequate
- Buildings
If your schedule shows a sum insured amount, you must ensure that this is sufficient to cover the full rebuilding cost of your buildings in the same form, style and condition as new. If you do not do this, it can affect the settlement of any claim you make.
- Contents
You must ensure that the contents sum insured shown in your schedule is always sufficient to protect the full value of your contents. This means the current replacement cost as new, except for clothing and household linen where you should make a deduction for wear and tear. If you do not do this, it can affect the settlement of any claim you make.
Other insurances
If you have other insurance that covers the same loss, damage or liability, the insurer will not pay more than their share of the claim.
Parties to this contract
This contract is between you and the insurer. No-one else has any rights they can enforce under this contract except those they have under law.
Taking care to avoid loss or damage
You must take all reasonable care to avoid any loss, damage or liability and keep your buildings in a good state of repair.

Exclusions That Apply To The Whole Policy
1. Confiscation
Loss or damage caused by items being confiscated or legally taken by customs officers or other officials, or attempts at either of these.
2 Consequential loss
We will only pay costs which are incurred as a direct consequence of the event which led to the claim you are making under this policy.
We will not pay for any indirect losses, which result from the incident that caused you to claim
3. Deliberate loss or damage by you
Loss or damage caused by a deliberate act carried out by you.
4. Pollution or contamination
Any accident, injury, loss or liability caused by pollution or contamination, unless the pollution or contamination is caused by a sudden, identifiable, unexpected and accidental incident, which happens during the period of cover.
5. Radioactivity
Loss or damage to property or any direct or indirect loss, expense or liability caused or contributed to by:
- ionising radiation or radioactive contamination from any nuclear fuel or waste
- the radioactive, toxic, explosive or other dangerous properties of nuclear equipment or its nuclear parts.
6. Riot or civil unrest
Loss or damage directly or indirectly caused by riot or civil unrest outside the United Kingdom, the Channel Islands or Isle of Man.
7. Sonic bangs
Loss or damage caused by pressure waves from an aircraft or other aerial devices travelling at or beyond the speed of sound.
8. Terrorism
Any expense, consequential loss, legal liability or any loss or damage to property directly or indirectly caused by terrorism.
Terrorism is defined as the use of biological, chemical or nuclear force or contamination by any person(s) or group(s) of persons, whether acting alone or in connection with any organisation(s) or government(s), whether or not committed for political, religious or ideological purposes, including the intention to influence any government or to put members of the public in fear.
9. War
Loss or damage caused by war, invasion, revolution or any similar event.