Significant features and benefits

Your policy includes the following features, which are explained fully in your Policy Wording Booklet:

• Advisors costs up to £10,000 per claim

• Monthly rental up to £2,500 per month (Maximum £10,000 per claim)

• Dilapidations costs can be claimed, when contained within a dilapidations inventory.

Significant terms & conditions of the policy

Your policy excludes some situations. Please refer to the section General Exclusions of your policy booklet for full details. The most significant or unusual exclusions are outlined below.

• Policies must begin on or before the first day of the tenancy agreement

• Claims cannot be considered without a signed tenancy agreement.

• In the event of a claim, it is the responsibility of the insured to provide evidence of a satisfactory tenant reference.

• Claims must be reported within 30 days of the insured event.

• Claims are excluded where the amount is less than £250.

• Claims cannot be paid for insured event within the first 90 days of the period of insurance, when the tenancy period  commenced, before the inception of the insurance policy.

• Claims will not be paid as a result of a dispute between the insured and his agent, or mortgage lender.

• Claims costs must be agreed in advance.

• Dilapidations costs are excluded unless the missing or damaged items are contained within a dilapidations inventory.

Other terms and conditions may apply, dependent on circumstance.

Excesses

This policy carries an excess which is equal to the sum of one month rental income.

Duration of Policy

The policy will remain in force for either 6 or 12 months, from the date of commencement, as shown on your policy schedule.

Right to Cancel

You are entitled to cancel your insurance policy at any stage during the policy term. You are entitled to a period of 14 days in which to consider the content of your insurance policy, and the extent of the cover there in. Cancellation of your policy within 14 days is therefore subject to a full refund.
After 14 days, cancellation of your insurance policy will be subject to the normal terms and conditions of the policy wording; however there is no refund of premium allowable.

How to Claim

Telephone Austin Myer claims line on 0845 123 5684. Claims must be submitted within 30 days of the incident.

Cost:

12 months policy is £72.50
6   months policy is £52.50

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