Your cover
Your insurance policy consists of the policy booklet and your Schedule and is
based on the information you provided to us when you took out the policy. You
must tell us of any change in this information as soon as possible for your
policy to continue to be valid.
Please read your Schedule and the booklet carefully to make sure that they give
you the cover you need and contact us if you have any problems or questions.
We will insure you for events occurring during the period of insurance in the
terms set out in your policy in return for payment of the premium.
Unless we have agreed otherwise, this contract will be governed by English Law.
Your Money–Back Guarantee
If this policy does not meet your needs and you notify us of this in writing
within 14 days of us sending you the policy, we will cancel the cover and refund
any premium paid, as long as you have not made a claim.
If we have not provided you with all the information we are required to give you
as a member of Financial Services Authority (FSA) (and you have not told us you
do not want it) you may cancel the policy within 14 days and get your money
back, as long as you have not made any claims against the policy.
Changing your cover or personal details
If you need to change your cover in any way or have any queries about your policy please contact us by telephone on 0870 240 2335.
Alternatively, notify us in writing, should you prefer, at the correspondence address shown on page five of the booklet.
Your home, our promise
Thank you for choosing Goldfish for your home insurance. From this moment on you can expect the highest level of service, safe in the knowledge that your home is well protected.
To begin with, we will
Send you your new policy very quickly – always within 5 working days of cover being arranged. Or let you know if there are any queries as soon as we can – always within 5 working days.
We will also
Provide the 24 hour Emergency Helplines.
Provide a telephone helpline to answer any questions you may have – 0870 240 2335.
Deal with your request to make changes to the policy immediately if possible, but always within 5
working days.
Respond to any letters you send us by return where possible, but always within 5 working days.
When you need to claim against Sections 1-6 of your policy
If you phone to tell us you need to claim we will take down all the
details you give us, tell you what the next steps are and if you need to
do anything.
If you write to tell us you need to claim we will reply immediately if possible, but always within
5 working days.
We will explain to you how the claim will be settled, and settle it in the shortest possible time.
We will let you know quickly if anything is not covered and why.
We will always make every effort to meet the high standards we have set, but if you ever feel we have fallen
short of what you expect, or are dissatisfied in any other way, then please contact us first at: Customer
Care, Goldfish Home Insurance Services, Tredegar Park, Newport, South Wales, NP10 8SB.
If this does not resolve matters for you then please write to the Managing Director, at the same address.
If you are dissatisfied with services under Section 7: Legal expenses, please contact our Customer Care
department first. If this does not resolve matters please write to the Managing Director at: DAS Legal
Expenses Company Limited, DAS House, Quayside, Temple Back, Bristol BS1 6NH.
If you are still not satisfied you may refer the matter to the Financial Ombudsman Service (FOS).
This service is free to you and any decision they make is binding upon us. The FOS can be contacted on
0845 080 1800 or you can write to them at Insurance Division, Financial Ombudsman Service, South Quay Plaza,
183 Marsh Wall, London, E14 9SR.
If you do take these actions, your legal rights will not be affected.
Making a claim
If you need to make a claim, these are the main steps you need to follow:
Check your policy booklet and schedule which gives details of what is covered and read the detailed
claims procedures and conditions on page 30.
Inform the police straight away in the case of malicious damage, theft, attempted theft, or accidental
loss outside of the home and obtain the crime reference number.
For new claims, telephone 0870 240 2335 as soon as possible and provide
us with details of what has happened. We will then seek to resolve your claim as quickly as we can.
Once you have told us about your claim, we can provide support if you need further advice.
Please do not make any repairs without talking to us first, unless they are urgent to prevent further
damage, or throw away any damaged goods without our consent because we may need to see them. If you do
not allow us an opportunity to inspect your damaged property it may affect your claim. This does not
apply to spoiled food which can be disposed of as soon as a list has been made of the damaged items.
Please note that on most claims you pay the first £50 (or any different amount shown in your schedule)
of each claim or series of claims arising from one event causing property damage or loss. This helps us
to manage the claim costs and keep your premium down to a minimum.
If you need to make a claim under Section 7: Legal expenses
Check your policy booklet, Section 7, which details what is covered and read the detailed claims procedures
and conditions on page 30.
To report a claim you will need to complete a claim form. A claim form is available by calling 0845 3000 607.
You should also call this number if you have a query regarding cover. Send your completed claim form to:
Legal Claims Centre
DAS Legal Expenses Insurance
Company Limited
DAS House
Quayside
Temple Back
BS1 6NH
Words phrases and special meaning
Whenever the following words and phrases appear in the Policy in bold print they will always have these meanings.
Accidental breakage
Breakage caused suddenly by external means which is not expected and not deliberate.
Accidental damage
Damage caused suddenly by external means which is not expected and not deliberate.
Appointed representative
The lawyer, accountant or other suitably qualified person who has been appointed to act for you or your family in accordance with the terms of this section.
British Isles
England, Scotland, Wales, Northern Ireland, Republic of Ireland, the Channel Islands and the Isle of Man.
Buildings
The structure of your home including its permanent fixtures and fittings and garden walls, gates, fences, paths, drives, patios, swimming pools and tennis courts in the grounds of your home.
Contents
Household goods, valuables and personal effects belonging to you or for which you are legally responsible.
Costs and expenses
- Legal costs
All reasonable and necessary costs chargeable by the appointed representative on a standard basis. Also the costs incurred by opponents in civil cases if you or your family has been ordered to pay them, or pays them with our agreement. - Accountants costs
A reasonable amount in respect of all costs reasonably incurred by the appointed representative.
Date of occurrence
- For civil cases (except under section 7e – Tax protection), the date of occurrence is the date of the event which may lead to a claim. If there is more than one event arising at the same time or from the same cause, the date of occurrence is the date of the first of these events.
- For criminal cases, the date of occurrence is when you or your family began or is alleged to have begun to break the criminal law in question.
- For full enquiries, the date of occurrence is when the Inland Revenue first notifies in writing the intention to make enquiries.
Domestic staff
Any domestic staff you or your family employ under a contract of service to work in or around your home.
Excess
The first amount of each claim you have to pay. If you make a claim under more than one section for loss or damage which happens at the same time by the same cause, we will take off only one excess.
Family
Your spouse or partner and children (including adopted and foster children) and any other relatives all permanently living with you.
Full enquiry
An extensive examination by the Inland Revenue which considers all aspects of you or your family’s tax affairs, but not enquiries which are limited to one or more specific aspects of you or your family’s self-assessment tax return.
Home
The private dwelling shown in your schedule and its garages, outbuildings, sheds and greenhouses, all owned or used by you for private and domestic purposes only. The main building of the home itself must be built of brick, stone or concrete and roofed with slates, tiles, metal, asbestos, asphalt or concrete unless we have agreed otherwise.
Household
Your family and domestic staff.
Money
Cash, currency notes, bank notes, money orders and current postage stamps, cheques, savings and trading stamps, savings certificates and savings bonds, luncheon vouchers, travellers cheques, travel tickets, and phonecards all held for social and domestic purposes.
Period of insurance
The period shown in your schedule and any further period for which you have paid or have agreed to pay and we have accepted or have agreed to accept your premium.
Personal belongings
Articles normally worn, used or carried about the person in everyday life including sports equipment, musical instruments and mobile telephones.
Schedule
The Home Insurance Policy Schedule which tells you the Sections of the booklet under which you are covered, the period of insurance, and provides other important details about the cover provided by your policy. It is enclosed with and forms part of your policy. Please check to see that it provides the cover you need.
Services
Cables and underground pipes and drains (and their inspection covers) serving your home and for which you are legally responsible.
Territorial limit
For sections 7a, d, e and f.
The United Kingdom of Great Britain and Northern Ireland, the Isle of Man and the Channel Islands.
For sections 7b and c..
The European Union, the Isle of Man, the Channel Islands, Albania, Andorra, Bosnia Herzegovina, Bulgaria,
Croatia, the Czech Republic, Gibraltar, Hungary, Iceland, Liechtenstein, Macedonia, Malta, Monaco, Montenegro,
Norway, Poland, Romania, San Marino, Serbia, Slovakia, Slovenia, Switzerland and Turkey (West of the Bosphorus).
Unfurnished
Not having enough furniture for normal living purposes.
Unoccupied
Not lived in or not intended to be lived in for more than 30 consecutive days.
Valuables
Jewellery, articles of precious metal, precious stones, clocks, watches, photographic equipment, furs, pictures, works of art, and collections of stamps, coins and medals.
We ⁄ our ⁄ us
The insurers specified in the policy booklet.
You
The Person(s) named in the schedule as the Policyholder.
Your
Owned or hired by you or for which you are legally responsible.
Buildings cover |
Section 1 |
|---|---|
| Your Schedule will tell you if you are covered under this Section of the policy | |
| A – What you are covered for | |
| What is covered | What is not covered |
| Loss or damage to the buildings of your home by the following causes: | The Excess shown in your Schedule. Loss or damage caused by frost. Aerials, satellite dishes or masts. |
| a. fire, smoke, explosion, lightning or earthquake; | |
| b. riot, civil commotion, labour and political disturbances or strikes; | |
| c. malicious damage or vandalism; | Loss or damage caused by you or any person permanently living with you. Damage caused by a tenant or any person permanently living with them. Damage occurring when your home is unfurnished or unoccupied. |
| d. storm or flood; | Damage to fences and gates. |
| e. impact with your home by any aircraft or other aerial device or anything dropped from them, or by any vehicle, train, animal, falling tree or branch or any falling aerial, satellite dish or mast; | |
| f. subsidence or heave of the site on which the buildings of your home stands, or landslip; | The first £1,000 of each claim unless a different Subsidence Excess is shown in your Schedule. Damage caused by coastal or river erosion. Damage to garden walls, gates, fences, paths, drives, patios, swimming pools, and tennis courts, unless the main building of your home is damaged at the same time by the same cause. Damage to or resulting from the movement of solid floor slabs unless the foundations beneath the external walls of your home are damaged at the same time by the same cause. Damage caused by demolition, structural alteration or structural repair, excavation, faulty design or faulty workmanship or the use of defective materials. |
| g. escape of water from, or the freezing of, fixed domestic water installations, or escape of oil from fixed domestic oil heating installations; | Damage occurring when your home is unfurnished or unoccupied. Damage caused by the escape of water from guttering, rainwater downpipes, roof valleys and gullies. The first £1,000 of each claim for damage caused by subsidence of the site as a result of the leakage of water from pipes or drains. The cost of repairing the installations themselves, unless the damage has been caused by freezing. |
| h. theft or attempted theft; | Loss or damage occurring when your home is unfurnished or unoccupied. Loss or damage caused by you or any member of your household. |
| i. accidental breakage of ceramic hobs in fixed appliances, sanitary ware and fixed glass; | Damage occurring when your home is unfurnished or unoccupied. Damage caused by wear and tear, gradual deterioration or scratching. Damage to window frames, door frames and casements. The cost of replacing undamaged items. |
| j. accidental damage to Services. | Damage caused by wear and tear, gradual deterioration or any other gradually operating cause. The cost of clearing blocked drains and pipes. |
Accidental Damage Option |
|
| What is covered | What is not covered |
| If your Schedule shows you have Buildings including Accidental Damage then you are also covered for: k. any other accidental damage to the buildings of your home which is not specifically covered or excluded above in Section 1A a-j. |
Damage caused by wear and tear, gradual deterioration, depreciation, cleaning, restoring, reproofing, light, atmosphere, wet or dry rot, vermin, insects, mould, fungus or any other gradual operating cause. The cost of maintenance or routine redecoration. Damage occurring when your home or any part of it is lent, let or sublet. Loss or damage caused by chewing, scratching, tearing or fouling by any domestic pets. Movement, settlement or shrinkage in any part of the buildings. Damage caused by demolition, structural alteration or structural repair, excavation, faulty design or faulty workmanship or the use of defective materials. The failure of the programming of computer chips or computer software to recognise any date. |
| B – How much are the buildings covered for | |
| What is covered | What is not covered |
|
We will pay the cost of rebuilding or repairing the part of your home which is damaged but not more than the cost of completely rebuilding it in its original form. If we instruct any tradesman, we will do so on your behalf. We will not make a deduction for wear and tear or depreciation if the buildings are maintained in a good state of repair. We do have the option of giving you a cash payment instead of repairing or rebuilding your home if your home cannot be economically repaired or you elect not to repair the damage. If this is the case we will pay either the cost of repairing the damage less an allowance for wear and tear or the difference between the open market sale value of your home prior to the damage and its open market sale value after the damage. |
The Excess shown in your Schedule. |
| C – Additional Benefits | |
| What is covered | What is not covered |
| a. Extra Expenses If your buildings are damaged by a cause covered under Section 1 – Buildings we will pay for the following extra costs if necessary to repair the buildings: architects', surveyors', and legal fees clearing debris, demolishing buildings or making them safe complying with government or local authority requirements |
Costs for complying with requirements or regulations notified before the damage occurred. |
| b. Alternative Accommodation If your home is made uninhabitable by any cause covered under Section 1 – Buildings we will pay for: rent you would have received or are responsible for paying and the reasonable costs of agreed alternative accommodation for you and your family while you cannot live in your home. We will pay up to £15,000 for any one event. |
|
| c. Cover during Sale If you are selling your home and the buyer has not taken out Buildings insurance between exchange of contracts and completion, we will also cover the buyer up to the date of completion. |
|
Contents cover |
Section 2 |
|---|---|
| Your Schedule will tell you if you are covered under this Section of the policy | |
| A – What you are covered for | |
| What is covered | What is not covered |
| Loss or damage to the contents of your home by the following causes: |
The Excess shown in your Schedule. Motor vehicles (other than motorised garden tools) aircraft, caravans, trailers, boats, windsurfers, other watercraft or parts or accessories for any of them. Pets and livestock. Growing trees, shrubs or plants. Any articles used or held for business or professional purposes either wholly or partly other than as described in Section 2D Additional Benefits. Any property that is more specifically insured either by this policy or any other policy. |
| a. fire, smoke, explosion, lightning or earthquake; | Damage caused by cigarette or cigar burns, scorching, melting or warping unless accompanied by flames. |
| b. riot, civil commotion, labour and political disturbances or strikes; | |
| c. malicious damage or vandalism; | Loss or damage caused by you or any person living with you Damage caused by a tenant or any person living with them. Damage occurring when your home is unfurnished or unoccupied. |
| d. impact with your home by any aircraft or other aerial device or anything dropped from them or by any vehicle, train, animal, falling tree or branch or any falling aerial, satellite dish or mast; | |
| e. storm or flood; | |
| f. subsidence or heave of the site on which your home stands, or landslip; | |
| g. escape of water from any fixed domestic water installation or oil from any fixed domestic oil heating installation; | Damage occurring when your home is unfurnished or unoccupied. Damage caused by the escape of water from guttering, rainwater downpipes, roof valleys and gullies. |
| h. theft or attempted theft; |
Theft not involving forcible and violent entry to, or exit from, your home, if you have lent, let or sublet any part of your home or whilst persons other than your family are staying there. Official confiscation or detention. Loss or damage occurring when your home is unfurnished or unoccupied. Loss by deception unless the only deception is gaining entry to your home Loss or damage caused by you or your family. Theft of pedal cycles from garages, sheds and outbuildings or whilst in the open or outside the boundaries of your home. |
| i. accidental damage to televisions, video and audio installations, and computer equipment and to any aerials or satellite dishes within or fixed to your home; |
Records, discs, cassettes, tapes, diskettes or software. Damage caused by wear and tear, gradual deterioration, depreciation, cleaning, restoring, light, atmosphere, parasites, vermin, mechanical or electrical breakdown or derangement or adjustment or repair to any machine or misuse. Damage occurring when your home is unfurnished or unoccupied or any part of it is lent, let or sublet. Loss or damage caused by chewing, scratching, tearing or fouling by any domestic pets. The failure of the programming of computer chips or computer software to recognise any date. |
| j. accidental damage to fixed glass in furniture, mirrors, glass in shelves and ceramic hobs. | Damage occurring when your home is unfurnished or unoccupied or any part of it is lent, let or sublet. |
Accidental Damage Option |
|
| What is covered | What is not covered |
| If your Schedule shows you have Contents including
Accidental Damage then you are also covered for: k. any other accidental damage to the contents of your home which is not specifically covered or excluded above in Section 2A a-j. |
Damage to clothing and contact lenses. Damage caused by wear and tear, gradual deterioration, depreciation, cleaning, dyeing, restoring, reproofing, light, atmosphere, mould, fungus, parasites, insects, moths, vermin, mechanical or electrical breakdown or derangement or adjustment or repair to any machine or misuse. Damage to contents when outside the boundary of your home. Official confiscation or detention. Damage occurring when your home is unfurnished or unoccupied or any part of it is lent, let or sublet. Loss or damage caused by chewing, scratching, tearing or fouling by any domestic pets. The failure of the programming of computer chips or computer software to recognise any date. Accidental loss outside your home and unexplained disappearance. |
| B – How much are the buildings covered for | |
| What is covered | What is not covered |
| a. In your home. | |
| b. In the open within the boundary of your home up to £500 for any one event. | Loss or damage occurring when your home is unfurnished or unoccupied. |
| c. Anywhere in the British Isles when temporarily removed from your home for a period not exceeding three calendar months. |
Contents removed for sale or exhibition or to furniture depositories. Loss or damage caused by storm or flood to property not in the building. Loss or damage insured under section 2A, items i-k unless caused during household removal by a professional removal contractor. Loss or damage caused by theft or attempted theft other than from:
|
| C – How much the contents are covered for | |
| What is covered | What is not covered |
|
The most we will pay for any one loss or event under this Section is
the Contents Limit shown in your Schedule.
The most we will pay in respect of valuables
is subject to the Valuables
Limits shown in your Schedule.
We will not reduce these limits if you make
a claim. We can either repair or replace any item or make a money payment instead. We will pay the cost of replacement as new if available or otherwise the nearest equivalent less any discounts obtainable. If an item is irreplaceable, we will base our payment on expert opinion of its value immediately prior to its loss or damage. |
The Excess shown in your Schedule. |
| D – Additional Benefits | |
| What is covered | What is not covered |
| The following additional benefits are payable subject to the total cost of your claim under Section 2 not exceeding the Contents Limit shown in your Schedule unless otherwise indicated. | |
| a. Fatal Injury Benefit If you or your spouse are injured by a fire or assault in your home and this results in death within 12 months of the injury, we will pay £5,000 in total in any one period of insurance. The Contents Limit and Excess shown in your Schedule do not apply to this Benefit. |
|
| b. Replacement of locks If the keys to locks on external doors of your home or to locks on safes or alarms in your home are lost or stolen, we will pay the cost of replacing the locks up to £500 for any one event. The Excess shown in your Schedule does not apply to this Benefit. | |
| c. Frozen Food If an accidental change in temperature or accidental leakage of refrigerant causes damage to frozen food in a freezer in your home we will pay the cost of replacing the frozen food up to £500 for any one event. | The Excess shown in your Schedule. Loss or damage caused by the deliberate act of any electricity or gas supply authority or business. |
| d. Money We will pay for theft or accidental loss of money (including business money) belonging to you or your family or for which you or they are responsible up to £300 for any one event. |
The Excess shown in your Schedule. Loss from depreciation in value, official confiscation or shortages caused by error or omissions. |
| e. Cash/Credit Cards We will pay for financial loss caused by the fraudulent use of a credit, cheque or cash card belonging to you or any member of your family by any unauthorised person up to £300 for any one event. |
The Excess shown in your Schedule. Fraudulent use by you or any member of your family. Financial loss if you have not kept to the conditions of the card issuer or reported any loss or theft of the card to the issuing company immediately upon discovery. |
| f. Loss of metered water We will pay for the accidental loss of metered water to your home up to £1,000 for any one event. |
The Excess shown in your Schedule. |
| g. Office Contents and Equipment If you use part of the main dwelling of your home for business purposes as an office, we will pay for loss or damage to office furniture and equipment whilst in your home if caused by an event covered under Section 2. We will pay up to £5,000 for any one event. |
The Excess shown in your Schedule. |
| h. Stock and Trade Samples If you keep stock or trade samples in your home we will pay for loss or damage to such items whilst in your home if caused by an event covered under Section 2A a-h up to £500 for any one event. |
The Excess shown in your Schedule. |
| i. Alternative Accommodation If your home is made uninhabitable by any cause covered under Section 2 we will pay for: rent you are responsible for paying and the reasonable costs of agreed alternative accommodation for you and your family while you cannot live in your home. We will pay up to £10,000 for any one event. The Contents Limit shown in your Schedule will not restrict payment of this Benefit. |
|
| j. Tenants Improvements We will pay for loss or damage to fixed items of decoration and home improvements you make as a tenant if caused by an event covered under Section 2A a-h and item k if you have Contents including Accidental Damage Cover. We will pay up to £5,000 for any one event. |
The Excess shown in your Schedule. Landlord’s fixtures and fittings. |
| k. Deeds and Documents We will pay for the cost of replacing deeds and documents if they are lost or damaged by any cause covered under Section 2 up to £500 for any one event. |
The Excess shown in your Schedule. Loss or damage to money. |
| l. Wedding and Christmas Presents We will increase the Contents Limit shown in your Schedule by £3,000: during December to cover gifts and extra food and drink you buy for Christmas one month before and one month after your wedding day or that of any member of your family to cover wedding gifts and extra items bought for the wedding. |
|
Your extended contents cover |
Section 3 |
|---|---|
| Your Schedule shows if you are covered under this Section of the policy. | |
| A – What you are covered for | |
| What is covered | What is not covered |
| Theft or accidental loss of or accidental damage to your Valuables, personal belongings and clothing. |
The Excess shown in your Schedule. Any event for which you are also submitting a claim under Section 2 - Contents. Loss or damage to:
|
| B – Where the items are covered | |
| What is covered | What is not covered |
| Away from your home but within the British Isles or whilst temporarily outside the British Isles, for a period not exceeding three calendar months if in the custody and control of you or a member of your family. | |
| C – How much the items are covered for | |
| What is covered | What is not covered |
| The most we will pay for any one event or for any
article is shown in your Schedule. We
will not reduce these limits if you make a claim. We can either repair or replace any item or make a money payment instead. We will pay the cost of replacement as new if available or otherwise the nearest equivalent less any discounts obtainable. If an item is irreplaceable, we will base our payment on expert opinion of its value immediately prior to its loss or damage. |
The Excess shown in your Schedule. |
Pedal Cycles |
Section 4 |
|---|---|
| Your Schedule shows if you are covered under this Section of the policy | |
| A – What you are covered for | |
| What is covered | What is not covered |
| Theft or accidental loss of or accidental damage to your pedal cycles including their accessories whilst attached to them. | The Excess shown in your Schedule. Motorised or motor assisted pedal cycles. Loss or damage when being used for racing. Theft of a pedal cycle left unattended in a public place unless it is securely locked to a permanently fixed structure. Loss or damage caused by:
|
| B – Where the cycles are covered | |
| What is covered | What is not covered |
| Within the British Isles or whilst temporarily outside the British Isles, for a period not exceeding three calendar months if in the custody and control of you or a member of your family. | |
| C –How much the cycles are covered for | |
| What is covered | What is not covered |
| The most we will pay for any one cycle or in total
in any one period of insurance is shown in your
Schedule. We can either repair or replace any item or make a money payment instead. We will pay the cost of replacement as new if available or otherwise the nearest equivalent less any discounts obtainable. If an item is irreplaceable, we will base our payment on expert opinion of its value immediately prior to its loss or damage. |
The Excess shown in your Schedule. |
Specified Items |
Section 5 |
|---|---|
| Your Schedule shows if you are covered under this Section of the policy | |
| A – What you are covered for | |
| What is covered | What is not covered |
| Theft or accidental loss of or accidental damage to specified items shown in your Schedule and belonging to you or for which you are legally responsible. | The Excess shown in your Schedule. Loss or damage caused by:
|
| B – Where the items are covered | |
| What is covered | What is not covered |
| Within the British Isles or whilst temporarily outside the British Isles, for a period not exceeding three calendar months if in the custody and control of you or a member of your family. | |
| C – How much the items are covered for | |
| What is covered | What is not covered |
| The most we will pay for any one item is the value shown against it in your Schedule. We can either repair or replace any item or make a money payment instead. We will pay the cost of replacement as new if available or otherwise the nearest equivalent less any discounts obtainable. If an item is irreplaceable, we will base our payment on expert opinion of its value immediately prior to its loss or damage. At each annual renewal of this policy the Sum Insured by this Section will be adjusted in accordance with the Government’s General Index of Retail Prices (all items) or any replacement index. The revised Sum Insured will be shown on your Schedule at renewal. |
The Excess shown in your Schedule. |
Legal liabilities cover |
Section 6 |
|---|---|
|
If you are insured under Section 2 - Contents, you are insured under paragraph A below. If you are insured under Section 1 - Buildings, you are insured under paragraph B below. If you are insured under both Section 1 - Buildings and Section 2 - Contents you are insured under both paragraphs A and B. |
|
| A – What you are covered for | |
| What is covered | What is not covered |
You (or your personal representatives in the event of your death) and any member
of your family are insured against any legal liability for:
|
Any action against you brought in a court outside the British Isles. Liability resulting from:
|
|
|
|
|
| B | |
| What is covered | What is not covered |
You (or your personal representatives in the event of your death)
and any member of your family are insured against any legal liability for damages in respect of:
|
Liability resulting from:
|
Legal expenses |
Section 7 |
|---|---|
|
The insurance provided in respect of legal expenses in this section has been arranged by Lloyds TSB Insurance Services and is underwritten by DAS Legal Expenses Insurance Company Limited. Paul Asplin, Managing Director |
|
| A – What you are covered for | |
| What is covered | What is not covered |
We will cover the insured in this section as long as:
|
Any claim reported to us more than 180 days after you or your family should have known about
the insured incident. Any incident or matter arising before the start of this policy. Any costs and expenses incurred before our written acceptance of a claim. Fines, penalties, compensation or damages which you or your family is ordered to pay a court or other authority. Any insured incident intentionally brought about by you or your family. Any claim relating to you or your family's alleged dishonesty or alleged violent behaviour. Any claim relating to written or verbal remarks which damage you or your family's reputation. A dispute with us not otherwise dealt with under condition 7 page 32. An application for Judicial Review. Any legal action you or your family takes which we or the appointed representative have not agreed to, or where you or your family does anything that hinders us or the appointed representative. Any claim relating to any non-contracting party's right to enforce all or part of this section. The Contracts (Rights of Third Parties) Act 1999 does not apply to this section. Any claim directly or indirectly caused by or resulting from any device failing to recognise, interpret, or process any date as its true calendar date. |
| B – Insured Incidents | |
| What is covered | What is not covered |
| a. Employment disputes We will negotiate for you and your family's legal rights in a dispute arising from a contract of employment entered into by you and your family for their work as an employee, excluding any claim relating to personal injury. |
|
| b. Contract disputes We will negotiate for the following: a. you and your family's legal rights in a contractual dispute arising from an agreement or an alleged agreement which you and your family has entered into for: the buying or hiring in of any goods or services: or the selling of any goods b. your legal rights in a contractual dispute or for misrepresentation arising from an agreement or alleged agreement which you have entered into for the buying or selling of your principal home. Provided that: You and your family has entered into the agreement or alleged agreement during the period of insurance. The amount in dispute is more than £100. |
Any claim relating to the following:
|
| c. Bodily injury We will negotiate for you and your family's rights after an event which causes the death of, or bodily injury to either you or your family. |
Any claim relating to the following:
|
| d. Property protection We will negotiate for you or your family's legal rights in a civil action relating to material property (including your principal home), which is owned by you or your family or for which you or your family is responsible following:
|
Any claim relating to the following:
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| e. Tax protection We will negotiate on you and your family's behalf and represent you and your family in any appeal proceedings in respect of a full enquiry by the Inland Revenue into you or your family's personal tax affairs if the full enquiry resulted from you or your family's work as an employee. |
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| f. Legal defence We will defend you or your family's legal rights if an event arising from you or your family's work as an employee leads to: a. you or your family being prosecuted in a court of criminal jurisdiction; b. or civil action being taken against you or your family under legislation for unlawful discrimination on the grounds of sex, race, disability, religious belief or political opinion; c. or civil action being taken against you or your family under section 13 of the Data Protection Act 1998. |
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| C – How much you are covered for | |
| The most we will pay for all claims resulting from one or more event arising at the same time or from the same cause is £50,000. | |
Claims Procedures and Conditions |
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This is the procedure you should follow in the event of a claim or something happening which may give rise to a claim. If you do not follow this procedure you will break a Condition of the Policy. This may invalidate your claim. Remember! If you make a claim under the policy which is false or fraudulent in any respect, we will not pay the claim and all cover under the policy will cease.
Reporting a claim If, following a claim under the Policy, you receive a claim form or any form of notice of legal proceedings against you, you must send this as soon as possible to the Goldfish Home Insurance Claims Department, by recorded delivery and quoting your claim or policy reference. You must give us all the help and information necessary to settle or resist any claim made against you or help us begin proceedings against any other person.
Proof of Loss or Damage
Control of the claim
Our special rights
Contribution
Theft security
Legal expenses
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| General Conditions |
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These conditions apply to all Sections of the policy. Fraud Changes in risk You must also notify us prior to any:
Precautions
Cancellation
Monthly Premiums |
| General Exceptions |
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This policy does not cover: War and Similar Risks Radioactivity Sonic Bangs Matching Items Pollution Loss of Value and Consequential Loss
Any loss or reduction in market value resulting from the repair or replacement of lost or damaged property or any loss or damage which results indirectly from anything insured by this policy.
Direct Debit Guarantee Data Protection Act – Information Uses Information you supply will be used for the purposes of insurance administration by Lloyds TSB, its associated companies and agents, and Goldfish and its associated companies and agents. It may also be disclosed to regulatory bodies for the purposes of monitoring and/or enforcing compliance with any regulatory rules/codes. Your information may also be used for research and statistical purposes and crime prevention. It may be transferred to any country, including countries outside the European Economic Area for any of these purposes and for systems administration. With limited exceptions, and on payment of the appropriate fee, you have the right to access and, if necessary, rectify information held about you. Sensitive Data Fraud Prevention and Detection
Direct Marketing Please contact us if you'd like this in Braille, large print or on audio tape. Goldfish is a trading name of Barclays Bank PLC, Registered in England, No. 1026167, and authorised and regulated by the Financial Services Authority (authorisation number 122702). Goldfish Card Services Limited, Registered in England and Wales, No. 3722587, is an appointed representative of Braclays Bank PLC. Both act as introducer to Lloyds TSB Insurance Services Limited (Company No. 968406) registered in England and Wales, 25 Gresham Street, London EC2V 7HN for the sale of Goldfish Home Insurance. Registered office of Barclays Bank PLC, 1 Churchill Place, London, E14 5HP. Registered office of Goldfish Card Services Limited: Hertsmere House, 2 Hertsemere Road, London E14 4AB. Goldfish Home Insurance policies are underwritten by Lloyds TSB General Insurance Limited. Registered in England and Wales No. 204373: 25 Gresham Street, London EC2V 7HN. Both Lloyds TSB companies are authorised and regulated by the Financial Services Authority. 24 hour Emergency Homeline is provided by Royal & Sun Alliance Insurance plc. Registered No. 93792. Registered in England and Wales. Registered Office: St. Mark's Court, Chart Way, Horsham, West Sussex RH12 1XL. Legal expenses is underwritten by DAS Legal Expenses Insurance Company Limited. Registered in England and Wales, company number: 103274. Head and Registered Office is DAS House, Quayside, Temple Back, Bristol BS1 6NH. Your call may be recorded for accuracy of information. Premiums payable on Goldfish Home Insurance include an amount equal to Insurance Premium Tax at the current rate. All companies are authorised and regulated by the Financial Services Authority. |
Please print a copy of the Goldfish Home Insurance Terms and Conditions and retain it for your personal records.