Aviva Private Clients - Your High Net Worth Home Insurance Policy - Excellence takes attention to detail. It takes Aviva - Aston Lark
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Aviva Private Clients
Your High Net Worth
Home Insurance Policy
Excellence takes attention to detail.
It takes Aviva.
AV618297_BHHHG15769_0921.indd 1 31/08/2021 13:49Contents
3 About your policy
8 Complaints
9 How to claim
12 Definitions
17 General exclusions
20 General conditions
21 Your buildings
24 Your contents
27 Your valuables
30 Your liability
34 Your property emergencies
36 Your personal emergencies
41 Your travel
46 Your legal solutions
53 Your home breakdown
and emergency solutions
AV618297_BHHHG15769_0921.indd 2 31/08/2021 13:49About your policy
This policy wording details The contract between us Reading this policy Telephone call charges and
the protection we provide. This policy is a contract of insurance Please read this policy carefully and recording
between you and us. make sure that it meets your needs. If any Calls to 0800 numbers from UK landlines
corrections are necessary, or you require and mobiles are free. The cost of calls
The following elements form the contract
Defined terms used in this section clarification, you should contact your to 03 prefixed numbers are charged at
of insurance between you and us, please
insurance adviser who arranged this policy. national call rates (charges may vary
accident read them and keep them safe:
If you wish to increase or add elements dependent on your network provider) and
buildings your policy wording;
●●
of cover to this policy, you should also are usually included in inclusive minute
collectibles contact your insurance adviser.
●● information contained on your plans from landlines and mobiles. For our
domestic employees
Statement of Fact document as Please keep this policy in a safe place – joint protection telephone calls may be
endorsement recorded and/or monitored.
issued by us and any additional you may need to refer to it if you have to
excess
questionnaire(s); make a claim.
fine art Alerting you to important
●● your schedule;
home
Defined terms information
loss ●● any endorsements on your policy, as
occurrence set out in your schedule; Certain terms, including ‘you’ and ‘we’, Action alerts: these teal boxes draw your
have special meanings in this document. attention to important actions you need
period of insurance any changes to your home insurance
●●
You can find them listed in Definitions to take, either to maintain your cover or
policy policy contained in notices issued by us (page 12). You can also find a list at the in the event of a claim.
residence at renewal; start of each section, showing the defined
schedule
●● your important information document. terms in that section.
subsidence Attention alerts: these orange boxes
In return for you paying your premium, draw your attention to terms which limit
United Kingdom Accessibility
valuables we will provide the cover shown on your your cover.
schedule on the terms and conditions of Please ask your insurance adviser who
we/us/our
this policy booklet during the period of arranged this policy if you need accessible
you/your
insurance. versions of this policy and its associated
documents, including Insurance Product
See Definitions (page 12). Our provision of insurance under this
Information Document (IPID). We can
policy is conditional upon you observing
provide them in braille, audio or large print.
and fulfilling the terms, provisions,
conditions and clauses of this policy.
3
AV618297_BHHHG15769_0921.indd 3 31/08/2021 13:49The right to cancel
Personal information Your right to cancel Our right to cancel incorrect or incomplete information then
we may cancel your policy without notice
If you have questions or concerns During the cooling-off period We or any agent we have authorised to do
and backdate the cancellation to the date
regarding the way in which your personal so may cancel your policy provided by Aviva
You have a statutory right to cancel your when this happened, which could be when
information has been used, please contact: if we have a valid reason, for example if:
policy within 14 days from the day of purchase you first bought your policy.
●● DATAPRT@aviva.com for all sections or renewal of the contract or the day on ●● you don’t pay your premium when it’s due
other than Your legal solutions and which you receive the policy or renewal (including non-payment of instalments). Will I get a premium refund?
Your home breakdown and emergency documentation, whichever is the later. If you don’t pay the first premium
If your policy is cancelled before the cover
solutions; and your policy will not be valid. If you
If you wish to cancel and your cover hasn’t starts we’ll refund the premium you’ve paid
miss a payment after that we’ll write
●● dataprotection@arag.co.uk for started you will be entitled to a full refund for the cancelled cover.
to you giving a further date to pay. We
Your legal solutions and Your home of the premium paid.
will give you at least 14 days’ notice If your policy or an additional cover is
breakdown and emergency solutions.
If you cancel after your cover has started in writing if we intend to cancel due cancelled after cover has started we’ll
We are committed to working with you to we’ll refund the full premium paid less to non-payment of instalments. If we refund you for any days left which you’ve
obtain a fair resolution of any complaint a proportionate deduction for the time don’t receive payment by then we will already paid for.
or concern about privacy. If, however, you we’ve provided cover. cancel the policy from the date shown You won’t get a refund at all if we cancel
believe that we have not been able to on the letter;
If you don’t exercise your right to cancel, your policy because you acted dishonestly
assist with your complaint or concern, you
your policy will continue, and you will be ●● we reasonably suspect fraud; or fraudulently and/or we are legally
have the right to make a complaint to the
required to pay the premium. entitled to keep the premium under the
relevant Data Protection Authority. ●● you don’t co-operate with us or give
Consumer Insurance (Disclosure and
After the cooling-off period us information or documentation we
For more information about how we Representations) Act 2012.
ask for, and this affects our ability to
process your personal information, please In addition to your statutory rights you can process a claim or defend our interests;
see our full privacy notice in the Important cancel the policy provided by Aviva at any
Information document provided by us. time by contacting your insurance adviser
●● you have not given complete and
at the address shown on your schedule. accurate answers to the questions
For the privacy notice in relation to Your
we ask.
legal solutions and Your home breakdown There may be a charge for doing this, please
and emergency solutions, go to see ‘Will I get a premium refund?’ opposite. Where we cancel, we’ll always give you
https://www.arag.co.uk/cookie-policy at least 14 days’ notice by post or email
If this policy is cancelled or not renewed to the last address you’ve given us and
by either you or us, you should cancel tell you the reason why. The exception is
any direct debit arrangements. where we have evidence that you have
acted fraudulently or deliberately given us
4
AV618297_BHHHG15769_0921.indd 4 31/08/2021 13:49Information about us Other legal matters
This policy comprises of different sections. Details of the Temporary Permissions You can check this information on the Third party rights
Regime, which allows EEA-based firms to Financial Conduct Authority’s website at
●● Cover under Your buildings, Your No third party will be able to enforce any
operate in the UK for a limited period while www.fca.org.uk or the Central Bank of
contents, Your valuables, Your liability, rights under this policy.
seeking full authorisation, are available on Ireland’s website at www.centralbank.ie,
Your property emergencies, Your
the Financial Conduct Authority’s website. which includes a register of all the firms
personal emergencies, and Your travel
they regulate.
Law and jurisdiction
will be provided, as set out in your ●● Cover under Your legal solutions
The parties are free to choose the law
schedule: and Your home breakdown and
emergency solutions is provided by
Insurance guarantee schemes applicable to this policy. Unless specifically
Risks situated within the UK are agreed to the contrary this policy shall be
AmTrust Europe Limited. ARAG plc Where Aviva Insurance Limited and/or
underwritten by Aviva Insurance governed by English law and subject to
(or appointed agents on its behalf) is AmTrust Europe Limited is your insurer
Limited. Registered in Scotland, No. the exclusive jurisdiction of the courts of
authorised under a binding authority
2116. Registered Office: Pitheavlis, Perth We are members of the Financial Services England and Wales.
agreement (written under unique
PH2 0NH. Authorised by the Prudential Compensation Scheme (FSCS). You may
market reference 126187201500 or
Regulation Authority and regulated by be entitled to compensation form this Language
replacement thereof) to administer
the Financial Conduct Authority and the scheme if we cannot meet our obligations,
Your legal solutions and Your home The parties agree that the language of this
Prudential Regulation Authority and our depending on the type of insurance and
breakdown and emergency solutions policy and all communications relating to
firm’s reference number is 202153. the circumstances of your claim.
on behalf of AmTrust Europe Limited. it will be in English.
And/or Further information about the scheme
– A
mTrust Europe Limited is
is available from the FSCS website at Currency
Risks situated within the EEA are authorised by the Prudential
www.fscs.org.uk
underwritten by Aviva Insurance Ireland Regulation Authority and regulated All monetary amounts stated in this policy
Designated Activity Company, trading by the Financial Conduct Authority are expressed in Pounds Sterling.
Where Aviva Insurance Ireland Designated
as Aviva, is regulated by the Central Bank and Prudential Regulation Activity Company is your insurer
of Ireland. Our firm’s reference number is Authority (Firm Reference No.
No. C171485. A private company limited 202189). Registered office is Market Depending upon where in the EEA you
by shares. Registered in Ireland, No. Square House, St. James’s Street, and/or the insured risk is located there
605769. Registered Office: One Park Place, Nottingham, NG1 6FG. Registered in may be a local scheme that applies. Where
Hatch Street, Dublin 2, Ireland, D02 E651. England No. 01229676. a scheme is available in an EEA member
Registered UK Branch Address: St Helen’s, state it may cover only limited types of
– A
RAG plc is authorised and regulated insurance (e.g. compulsory motor cover)
1 Undershaft, London EC3P 3DQ.
by the Financial Conduct Authority although some jurisdictions have wider
UK branch deemed authorised by the
(Firm Reference No.452369). schemes. If you have any questions, please
Prudential Regulation Authority. Subject
Registered office is 9 Whiteladies contact us.
to regulation by the Financial Conduct
Road, Clifton, Bristol, BS8 1NN.
Authority (FCA reference No. 827591)
Registered in England No. 02585818.
and limited regulation by the Prudential
Regulation Authority.
5
AV618297_BHHHG15769_0921.indd 5 31/08/2021 13:49Information you have given us
Sanctions and export controls Take care to give us the right Where either applies, we will give you If we exercise our right under 3 above:
information notice that we will treat this policy and any
We shall not provide any benefit under this ●● we shall not be liable to you in respect
future claim in accordance with 2 and/or 3,
contract of insurance: When we ask you any questions or ask for of a relevant event which happens
in which case you may then give us notice
information, you must take care to provide after the time of the fraudulent act.
●● to the extent of providing cover, that you are terminating this policy in
accurate and complete information. A relevant event is whatever gives rise
payment of any claim or the provision accordance with The right to cancel (page 4).
to our liability under this policy (such
of any benefit where doing so would This is because in deciding to accept this as the occurrence of a loss, the making
breach any United Kingdom, European policy, and in setting the terms including If you were deliberate or reckless
of a claim, or the notification of a
Union, United States of America or the premium, we have relied upon the If we establish that you deliberately or potential claim); and
United Nations sanction, prohibition information which you have provided to us. recklessly provided us with untrue or
or restriction imposed by law or ●● we need not return any of the
misleading information we will have the
regulation; or What if you give incorrect premium paid.
right to:
●● which relates to the supply or information? ●● treat this policy as if it never existed;
movement from one country to any If you were careless and
embargoed territory listed by the
United Kingdom, European Union, If we establish that you carelessly provided ●● decline all claims; and
United States of America or United us with untrue or misleading information, ●● keep the premium.
Nations of controlled goods, military we will have the following rights:
goods or dual use goods, including 1 If we would not have provided you with Fraud
rifles, shotguns and antique fire arms. cover, we can treat this policy as if it If you, or anyone acting for you, makes a
never existed, refuse to pay any claims fraudulent claim, for example a loss which
and return the premium you have paid. is fraudulently caused and/or exaggerated
2 If we would have provided you with and/or supported by a fraudulent
cover on different terms, we can treat statement or other device:
this policy as if it had been entered into 1 we will not be liable to pay the claim;
on different terms from those agreed. and
3 We can reduce the amount we pay on 2 we may recover from you any sums
any claim in the proportion that the paid by us to you in respect of the
premium you have paid bears to the claim; and
premium we would have charged you,
if we would have charged you more. 3 we may by notice to you treat this policy
as having been terminated with effect
We will notify you in writing if any of these from the time of the fraudulent act.
options apply. It is possible that 2 and 3
may both apply.
6
AV618297_BHHHG15769_0921.indd 6 31/08/2021 13:49Changes we need to know about
Building work ●● £500,000 in respect of any other
You must tell us as soon as practicably
valuable item.
possible of any change in the Tell us about any building work that is
information you have provided to us intended to take place at a residence
which happens before or during any covered by this policy, which is estimated
How a change may affect your
period of insurance. to cost more than £250,000. In these policy
circumstances, you must notify us of When we are notified of a change, we will
What to tell us about the works at least 30 days before they tell you if this affects your policy.
commence, or before entering into any
Examples of changes you must tell us For example, we may:
contract in relation to the building work,
about include the following:
whichever is earlier. ●● cancel this policy in accordance with
the provisions in The right to cancel
If your home is, or is likely to be,
Changes to security or fire protection (page 4); or
unoccupied
arrangements
●● amend the terms of this policy so that
Tell us if your home has not been
Tell us if any changes are made to the the amended terms are effective from
permanently lived in, or is unlikely to be
security or fire protection arrangements the time of the change; and/or
lived in, for 90 consecutive days, unless
relating to your residence.
regularly attended by domestic employees ●● require you to pay more for this policy
or a property management company Criminal offences from the time of the change.
under a written contract. They must visit
Tell us if you are charged with, or convicted If you do not tell us about a change, it may
no less than once every 14 days. Their visit
of, any criminal offence (other than affect any claim you make or could result
must include both internal and external
motoring offences or spent convictions). in your insurance being invalid.
checks.
If you are in doubt about whether you
If there is a change of use or occupancy Deterioration of your buildings need to tell us about a change you
at your residence Tell us if the physical state of your should contact the insurance adviser who
buildings deteriorates in any way, including arranged this policy.
Tell us if there is, or is likely to be, a change
of use or change in occupancy at your where there is evidence of subsidence.
residence, such as the letting of a building
Loaning your valuables
(either partially or fully).
Tell us if you intend to loan any of your
Bankruptcy valuables which collectively or individually
Tell us if you are made bankrupt have a total value in excess of:
and/or enter into an individual voluntary ●● £5,000,000 in respect of fine art or
agreement. collectibles; or
7
AV618297_BHHHG15769_0921.indd 7 31/08/2021 13:49Complaints
We hope you won’t need this page, and Customer Relations Department The Financial Ombudsman Service
will do our utmost to make sure you don’t. ARAG plc, 9 Whiteladies Road, Clifton, can look into most complaints from
Bristol, BS8 1NN consumers and small businesses. For more
We are dedicated to providing a high
information contact them on the above
quality service and we want to ensure Email: customerrelations@arag.co.uk
number or address, or view their website.
that we maintain this at all times. If you
Telephone: +44 (0) 117 917 1561
have any questions or concerns about Whilst we are bound by the decision of the
this policy or the handling of a claim, Hours of operation are 9am-5pm, Mondays Financial Ombudsman Service, you are not.
please contact the insurance adviser who to Fridays excluding bank holidays. For our Following the complaints procedure does
arranged this policy. mutual protection and training purposes, not affect your right to take legal action.
calls may be recorded.
Your buildings, Your contents, Where Aviva Insurance Ireland
Your valuables, Your liability, Your Designated Activity Company is your
Referral to ombudsman services
property emergencies, Your personal insurer, please refer your complaint to:
emergencies and Your travel If you remain dissatisfied or you have not
Financial Services and Pensions
received a final decision within 8 weeks,
If you wish to make a complaint in relation Ombudsman, Lincoln House, Lincoln
you can refer your complaint to the
to your insurance policy, you can do so at Place, Dublin 2, D02 VH29
relevant ombudsman service:
any time by referring the matter to your
Telephone: +353 1 567 7000
insurance adviser or by contacting Aviva Where Aviva Insurance Limited and/or
Insurance Limited at: AmTrust Europe Limited is your insurer, Email: info@fspo.ie
please refer your complaint to:
Complaints Manager The European Commission also provides
Aviva Insurance Limited Financial Ombudsman Service, Exchange an online dispute resolution (ODR)
PO Box 78, Surrey Street, Norwich NR1 3EB Tower, London E14 9SR platform that allows consumers to submit
their complaint through a central site,
Email: ukgiceo@aviva.com Email: complaint.info@financial-
which will forward the complaint to the
ombudsman.org.uk
Telephone from within the United right Alternative Dispute Resolution (ADR)
Kingdom: 0800 092 7713 or, from Telephone from within the United scheme. For more information about ODR
outside the United Kingdom: Kingdom: 0800 023 4567 or, from outside please visit http://ec.europa.eu/odr
Telephone: +44 (0) 1603 606653 the United Kingdom: Telephone:
+44 (0) 207 964 0500 Fax: +44 (0) 207 964 1001
Your legal solutions and Your home
breakdown and emergency solutions For Call Back Service, text 0786 002 7586.
If you wish to make a complaint in relation Website:
to these sections, you can do so at any www.financial-ombudsman.org.uk
time by referring the matter to:
8
AV618297_BHHHG15769_0921.indd 8 31/08/2021 13:49How to claim Contacting us Submitting your claim
If you need to make a claim, You can call us at any time. You must tell us as soon as practicably If you claim under the Your travel section
possible of any incident or circumstance of your policy, you must co-operate with
you’ll have our full support at Concierge Desk which may lead to a claim under this any arrangements for medical advisers to
every step. We’re open 24/7. Our dedicated Concierge Desk is open policy, or if you need in-patient treatment examine you.
24 hours a day, 7 days a week. under Your travel (page 41).
We may ask for independent medical
This section does not apply to Your legal You will need to provide us with a detailed
From within the United Kingdom: examinations in relation to any claim
solutions and Your home breakdown account of what has happened including
0800 056 2579 under this policy.
and emergency solutions. If you need details of any loss or damage or legal
to make a claim under these sections From outside the United Kingdom: claim.
please refer to page 51 and page 55. +44 (0) 160 360 6635
It will help if you make detailed notes at
Or email us at: conciergehome@aviva.com the time, and take photographs of any
There are important conditions set out
damage.
within this section. If you do not comply Emergency Medical Help Desk
with them it may mean that your claim
The Emergency Medical Help Desk is open Supporting the claims process
is reduced or not paid.
24 hours a day, 7 days a week.
You can support your claim in a number of
Telephone from within the United ways, depending on the situation.
Kingdom: 0800 068 2340
Defined terms used in this section You must make any damaged property
Telephone from outside the United available to us for inspection as often as
amount insured
Kingdom: +44 (0) 160 360 6712 we need.
close relation
contents If a crime has been committed: You must co-operate with us in your
damage
defence by:
●● call the police; and
injury ●● get a crime number; and
●● helping us to make settlements; and
legal claim
●● give us the crime number. ●● attending hearings and trials.
loss
market value
Where we request it, you must enforce any
If you do not comply with these right of contribution or reimbursement
medical practitioner
conditions, it may mean that your claim against any person or organisation who
occurrence
is reduced or not paid. may be liable.
policy
United Kingdom
we/us/our
you/your
See Definitions (page 12).
9
AV618297_BHHHG15769_0921.indd 9 31/08/2021 13:49If there is damage or injury
As well as helping you with your claim, ●● allow us to inspect any damage Injury to others or damage to their Relevant documents
we are also there to help you deal with property
before repair work starts, unless you
the aftermath, whether this is damage to Relevant documents we may need to
need to undertake urgent repairs. You may be held responsible for injury or
property, or injuries to you or injuries to see under any of the above include:
others. damage to someone else.
Estimates
If you do not comply with these
For immediate help, our dedicated conditions, it may mean that your claim After any incident or occurrence which Invoices
Concierge Desk is open 24 hours a day, is reduced or not paid. may lead to a claim, you must: Receipts
7 days a week. ●● not admit liability; Notes from your medical practitioner
Telephone from within the Injuries to you ●● not offer to pay for any damage; Letters
United Kingdom: 0800 056 2579 ●● co-operate with us fully and provide Legal documents
If you have suffered illness or injury, you
Telephone from outside the United all information that we require;
must:
Kingdom: +44 (0) 160 360 6635 ●● obtain and provide to us names and
●● see a medical practitioner as soon
addresses of any injured parties and
Or email us at conciergehome@aviva.com as possible;
witnesses (if any were present);
●● follow all medical advice;
Damage to property ●● as soon as is practicably
●● co-operate with us fully and provide possible, send us every item
The cover described in Your property all information that we require; and of correspondence and legal
emergencies (page 34) is designed to help ●● send us any records and documents documents you have, as well as
you to deal with damaged property in an that we require, including notes details of any conversations relating
emergency. from your medical practitioner in to your claim; and
relation to your claim not appoint legal representation
You must: ●●
without our written permission.
●● co-operate with us fully and provide
If you do not comply with these
all information that we require
conditions, it may mean that your claim If you do not comply with these
including the value of any items that
is reduced or not paid. conditions, it may mean that your claim
have been damaged;
is reduced or not paid.
●● take all practical steps to protect
property after an occurrence,
including urgent repairs that are
needed to prevent further damage.
You must arrange for these to be
done as soon as possible. Keep all
bills related to this work, since they
may be included in your claim; and
10
AV618297_BHHHG15769_0921.indd 10 31/08/2021 13:49Conditions relating to claims
The conditions listed below apply to every ●● restore the pair or set or larger unit to Reward
section of this policy, unless otherwise their condition before the loss occurred
At our discretion, and only as allowed by
stated. There are additional specific and, if a valuable, we will pay the
any applicable law, we will pay a reward
conditions listed under particular sections. difference between their market value
of up to £25,000 for information leading
immediately before and after the loss
to a criminal conviction of anyone who
Claims management occurred.
committed an illegal act which resulted in
Acting in your name, we may take over the If the loss is covered under Your valuables, a payment under this policy.
defence or settlement of any claim at our you decide which option applies to your
expense. claim. If it is covered by any other section, We will not pay any rewards to you, a
we will decide which option applies. close relation, or the police or other
Your property authority.
We will not pay more than the amount
Your property shall remain yours at all insured for each occurrence or, where Rights of recovery
times. We will not take ownership of, the pair or set or larger unit is an
accept liability for, sell or dispose of any of unspecified valuable, we will not pay Where we pay a claim under this policy
your property unless: more than the single item limit for and you have the right to recover from
unspecified valuables. a third party, we may commence legal
●● we agree with you in writing that we
proceedings in your name to recover, for
shall do so;
ourselves, sums up to the amount of the
you surrender your property as set out
Recovered property
●● claim paid under this policy.
under the Pairs and sets condition; or If you recover any of your contents or
You must:
valuables after we have paid your claim,
●● your property is recovered as set
you must notify us as soon as possible. At ●● provide us with all the help we need to
out under the Recovered property
your option you can either: recover such sums; and
condition.
●● repay us the same value paid under ●● do nothing to prejudice any rights that
Pairs and sets your claim for the item(s) recovered; or may exist for your benefit against a
third party.
Where loss occurs to a pair or set, or a part ●● surrender to us the item(s) recovered.
of a larger unit, we will either:
If we recover any of your contents or
●● replace the pair or set or larger unit valuables after we have paid your claim,
(on the condition that you agree to we will notify you and you may buy the
surrender to us the undamaged item(s) item(s) back from us at the same value
of the pair or set, or larger unit); or paid under your claim.
11
AV618297_BHHHG15769_0921.indd 11 31/08/2021 13:49Definitions
We have set out below the Business colleague means any person ●● restore the main services to your ●● racing of any kind other than on foot or
who works at your place of business and residence; or swimming;
defined terms used in this whose absence, if you were both away
alleviate any health risk to you, more than 3 bungee jumps in any one
policy. They will have the
●● ●●
from work at the same time, would prevent
28-day period;
the business from running effectively. under Your home breakdown and
same meaning wherever they emergency solutions (page 53). ●● micro-lighting; and
are used in this policy. Chauffeur means a person paid by you to
drive your motor vehicle(s). Couture clothing and designer clothing ●● off-piste skiing unless with a qualified
means items of clothing and accessories guide.
Close relation means your spouse,
made by a couturier or fashion designer
partner, legal guardian, father, mother, Domestic duties means duties relating to
In this section, all the defined terms are respectively which:
child (including adopted child, step child, your residence, your home office business,
printed in bold, However, everywhere else have artistic or historical value; incidental farming, your personal care or
and foster child), sibling, aunt, uncle, niece, ●●
in this policy, we have printed them in the acting as your chauffeur.
nephew, grandparent or grandchild. are rare or unique; or
regular font to make the policy easier to ●●
read. Contents means household goods and Domestic employees means any person
●● are novel and of personal interest,
personal property all of which are owned working for you solely in respect of
Accident means a sudden, unexpected, all of which are owned by you or for which domestic duties and who is:
by you or in your possession.
unforeseen incident which occurs at an you are legally responsible
identifiable time and place and during the This includes: ●● employed by you under an employment
period of insurance. Damage means actual physical damage contract in the United Kingdom, Monaco,
●● food and drink; to, or destruction of, or the loss of use of Switzerland or a country which is a
Amount insured means the most we ●● home office business equipment; tangible property. member of the European Union; or
will pay (as stated in the schedule) unless
this policy wording states that a different ●● the cost of metered water that has Dangerous activities means the following ●● self-employed and working on a
amount may be paid. accidentally escaped from your heating activities in which participation is known labour only basis under your control
or plumbing system; to carry an increased risk of injury: or supervision in the United Kingdom,
Appointed adviser means the solicitor, Monaco, Switzerland or a country
accountant, mediator or other adviser ●● the cost of domestic heating fuel that ●● scuba diving to depths of more than
30 metres; which is a member of the European
appointed by us to act on your behalf. has accidentally escaped from your
Union.
heating or plumbing system or has hang-gliding or para-gliding;
Bank cards means credit, charge or debit
●●
been stolen. Emergency costs means:
cards. ●● parachuting, unless tandem
Contractor means the contractor or parachuting;
●● a contractor’s labour costs, parts and
Buildings means your home and other tradesperson chosen by us to respond to materials; or
permanent structures owned by you. a sudden unexpected event which clearly ●● parascending other than over water;
●● alternative accommodation costs
Buildings includes utility pipes, cables, requires immediate action in order to: mountaineering or rock climbing
●●
incurred under Your home breakdown
domestic underground and over-ground ●● prevent damage or avoid further normally requiring the use of guides or and emergency solutions – Alternative
tanks supplying or serving the buildings damage to your residence; ropes; accommodation costs.
and within the grounds of the residence.
●● render your residence safe or secure; ●● pot-holing or caving;
12
AV618297_BHHHG15769_0921.indd 12 31/08/2021 13:49Endorsement means a change in the ●● stamps, coins, medal collections, other To qualify as incidental farming: Journey means:
terms and conditions of this policy that collectibles and memorabilia; ●● your domestic employees must not ●● a trip outside the United Kingdom that
can extend or restrict cover. ●● wine and spirits; and work more than 1,000 hours in total in starts and ends in the United Kingdom; or
Excess means the amount for which you any 12-month period;
●● any other item stated as a collectible in ●● a trip within the United Kingdom
are responsible as the first part of loss
the schedule. ●● and no more than £50,000 in gross (that starts and ends in the United
arising from each occurrence for which we
annual revenues can be produced in Kingdom) that includes a flight or
agree a claim as stated in the schedule. Green generation system means a
any 12-month period. boat ride that you have booked
solar, wind or geothermal electrical
Fine art and Collectibles means individual before commencing the journey or a
power-generating system, which solely or Incidental motor vehicles means motor
items, private collections and sets that: minimum of 2 nights away from your
principally serves your residence. vehicles, which are located at a residence
United Kingdom address in a hotel or
●● have artistic or historical value; in the United Kingdom, whilst not being
Home means the main dwelling, other other accommodation for which you
driven on public roads but which are:
●● are rare or unique; or liveable dwellings and attached buildings have paid.
at the residence listed in the schedule and ●● used at your residence for the purposes
●● are novel and of personal interest, Legal claim under Your liability means:
owned by you. of domestic duties; or
all of which are owned by you or for which ●● a written demand for monetary or
Home office business means office ●● designed to assist the disabled; or
you are legally responsible. non-monetary relief;
clerical and administrative work, which ●● designed for recreational use off public
Fine art means: is carried out in your residence by you or ●● any proceeding in a court of law or
roads (including quad bikes and golf
paintings, drawings, prints, your employees, provided that you do not equity, or arbitration; or
●●
buggies),
photographs and etchings; employ more than 5 people for such work. ●● any regulatory or administrative
provided that they are not required by law
antique and designer furniture; Home office business equipment means proceeding.
●●
to be licensed, registered or covered by
office furniture, equipment, computers,
tapestries and rugs; motor liability insurance. Legal costs means:
●●
office supplies and stationery, used to
●● statues, sculptures, ornaments, conduct your home office business. Injury means identifiable physical bodily ●● legal costs and disbursements
porcelain and glass; and harm, caused solely by accidental means reasonably incurred by the appointed
Home office business stock means
and not resulting from sickness or disease adviser on the standard basis and
any other item stated as an item of supplies, goods or merchandise kept at
●●
or intentional self-harm. agreed in advance by us. The term
fine art in the schedule. your buildings and which are connected
‘standard basis’ can be found within
solely to your home office business. Jewellery means items worn, or intended
Collectibles means: the courts’ Civil Procedure Rules
to be worn, made of or containing
Incidental farming means farming and Part 44;
●● books and manuscripts; gemstones, silver, gold, platinum or
stabling of horses, carried out by you at
other precious metals, all of which are ●● in civil claims, the other side’s costs,
●● clocks and barometers; your residence.
owned by you or for which you are legally fees and disbursements where you
●● gold/silver and gold/silver plated items; responsible. This also includes watches have been ordered to pay them or pay
and set or unset gemstones. them with our agreement;
●● furs and guns;
13
AV618297_BHHHG15769_0921.indd 13 31/08/2021 13:49●● accountancy fees reasonably incurred ● shock, mental injury or anguish; Loss of speech means the total and Money means bank notes and coins (that
under Your legal solutions – Tax permanent loss of the ability to speak are not part of a collection), cheques, bank
● invasion of the right of privacy;
(page 50) by the appointed adviser and audibly and intelligibly. drafts, travel tickets, traveller’s cheques or
agreed by us in advance; ● libel, slander or defamation of savings certificates.
Market value means the amount taking
character;
●● your basic wages or salary under Your the average value determined by two Occurrence means:
legal solutions – Loss of earnings ● malicious prosecution or independent valuers one selected by you ●● under Your buildings, Your contents
(page 48); humiliation; or and one by us.
and Your valuables, all loss arising
●● the reasonable professional fees and ● unlawful entry or eviction. Main residence means the first residence out of one event where the event first
expenses of the appointed adviser to Loss of hearing means the total and as stated in the schedule. occurs during the period of insurance;
reduce the actual adverse or negative permanent loss of hearing in one or and
Medical expenses means expenses
publicity or media attention directed both ears. incurred for medical and/or dental ●● under Your liability, any one event or
towards you under Your legal solutions
Loss of limb means: treatment administered or prescribed series of events which is sudden and
– Crisis communication (page 47); and
by a medical practitioner, professional accidental arising out of one original
●● accommodation and/or storage ●● loss of a leg or foot means either that it nursing services, physiotherapy, hospital cause of loss which first occurs during
costs for Your legal solutions – has been severed at or above the ankle, and nursing home charges and ambulance the period of insurance.
Accommodation and storage costs or that you have permanently lost the charges:
use of an entire leg or foot. Other permanent structures means any
(page 47). ●● in respect of Your personal other permanent structures, owned by you,
Let property means the residential property ●● loss of an arm or hand means either emergencies – Emergency events (page within the grounds of your residence but
which you own and is located in the that it has been severed at or above 38); or not attached to your home.
United Kingdom and which you let or the wrist, or that you have permanently
lost the use of an entire arm or hand.
●● outside the United Kingdom, in respect Period of insurance means the period
intend to let under a tenancy agreement.
of Your travel (page 41). that this policy is in force as stated in the
Loss means: Loss of sight means: schedule.
They do not include:
●● under Your buildings, Your contents, ●● permanent and total loss of sight in Personal digital data means music,
both eyes is evidenced by your name
●● costs incurred more than 12 months after
Your valuables and Your property videos and photographs stored on your
being added to the Register of Blind the occurrence of an emergency event in
emergencies, loss or damage; and personal computer, tablet or phone.
Persons on the authority of a fully respect of Your personal emergencies –
●● under Your liability: qualified ophthalmic specialist. Emergency events (page 38). Pets means domestic pets.
– damage; or ●● permanent and total loss of sight in Medical practitioner means a doctor or Policy means this policy wording and the
one eye means that the degree of sight specialist who is registered or licensed to schedule and any endorsements.
– personal injury, which means:
remaining after correction is 3/60 or practise medicine under the laws of the
● injury, and resulting sickness country in which they practise but does
less on the Snellen scale.
disease and death; not include you or a member of your
● false arrest; false imprisonment family.
or unlawful detention;
14
AV618297_BHHHG15769_0921.indd 14 31/08/2021 13:49Pollution means any pollution, seepage, Schedule means the document entitled Temporary residence means: Terrorism is defined as any act or acts
discharge, dispersal, release or escape ‘Your Policy Schedule’ that relates to and including, but not limited to:
●● a private residence occupied by you; or
of any solid, liquid, gaseous or thermal forms part of this policy.
a) the use or threat of force and/or violence;
irritant or contaminant including, ●● the bedroom(s) or suite(s) occupied
Settlement means the downward and/or
for example, smoke, vapours, soot, by you at a hotel, resort or on-board a
movement of the ground as a result of the
dust, fibres, fungi, mould, fumes, watercraft. b) harm or damage to life or to property
soil being compressed by the weight of the
acids, alkalis, chemicals and waste (or the threat of such harm or damage)
buildings within 10 years of construction. ●● Tenancy agreement means an
(including, for example, material to be including, but not limited to, harm or
agreement you enter into to let your let
recycled, reconditioned or reclaimed) Small Claims Court means: damage by nuclear and/or chemical and/
property to a tenant:
or contamination of any kind of the or biological and/or radiological means
●● a court in England and Wales that hears
atmosphere or of any water, land, ●● under an assured shorthold tenancy; caused or occasioned by any person(s)
a claim falling under the small claims
buildings or other tangible property. or a shorthold tenancy; or an assured or group(s) of persons, in whole or in
track in the County Court as defined by
tenancy; as defined by the Housing part, for political, religious, ideological
Rebuild cost means the sum, as at the Section 26.6 (1) of the Civil Procedure
Act 1988 as amended by the Housing or similar purposes including, but not
time of the occurrence, which is required Rules 1999; or
Act 1996 and the Assured Tenancies limited to, the intention to influence any
to restore, repair, replace or rebuild a a court in Scotland that uses the simple (Amendment) (England) Order 2010 or
●●
government and/or to put the public
building, whichever is less, using the claims procedure as set out by the the Housing (Scotland) Act; or any section of the public in fear, or is
same design, quality of materials and Courts Reform (Scotland) Act 2014; or
in accordance with the Private claimed to be caused or occasioned in
workmanship which existed immediately ●●
a court in Northern Ireland where the Tenancies (Northern Ireland) Order whole or in part for such purposes.
before the occurrence. ●●
sum in dispute is less than £3,000; or 2006; or United Kingdom means England, Wales,
It does not include the costs of excavation,
the equivalent jurisdiction in the Isle of to a limited company or business Scotland, Northern Ireland, the Isle of Man
replacement or stabilisation of land. ●● ●●
Man and the Channel Islands. partnership for residential purposes by and the Channel Islands.
Repatriation expenses means the its employees.
Subsidence means the downward movement Valuables means items of:
additional costs incurred by our selected
specialist partners in repatriating you of the ground beneath the home where the Tenants’ improvements means additions, ●● fine art and collectibles;
to the most suitable hospital or to your movement is unconnected with the weight alterations or installations that you paid for,
●● couture clothing and designer
United Kingdom address. of the home. or are responsible for, at your residence.
clothing; and
Residence means any of the following It includes:
●● jewellery.
which are listed on the schedule: ●● heave – the upward movement of the
●● any buildings and grounds in any one ground beneath the home as a result of
location owned by you; or the soil expanding; and
●● any other property you own or reside in. ●● landslip – the downward movement of
sloping ground.
15
AV618297_BHHHG15769_0921.indd 15 31/08/2021 13:49Visitors means: ●● You/your means the person, persons or
legal entity named as the policyholder
●● domestic employees who work but do
in the schedule and all members
not live at your residence; and
of your family (including adopted
●● individuals you have invited to your children,
residence or temporary residence, not stepchildren and foster children),
including those persons who pay rent spouses, fiancé(e)s, co-habitees or
to live in your residence. partners who live:
Watercraft means a boat or other vessel ●● permanently in your residence; or
that travels on water (including its furnishings,
●● temporarily away from your residence
equipment and outboard motors).
while at school, college or university.
We/us/our means:
It also includes domestic employees who
●● under all sections other than Your legal live permanently in your residence unless
solutions and Your home breakdown we state otherwise in this policy.
and emergency solutions: Aviva
You/your does not include those persons
Insurance Limited or Aviva Insurance
who pay rent to live in your residence.
Ireland Designated Activity Company as
set out in your schedule;
●● under Your legal solutions and Your
home breakdown and emergency
solutions: AmTrust Europe ARAG plc
(or appointed agents on its behalf) is
authorised under a binding authority
agreement to administer Your legal
solutions and Your home breakdown
and emergency solutions on behalf of
the insurer, AmTrust Europe Limited.
16
AV618297_BHHHG15769_0921.indd 16 31/08/2021 13:49General exclusions
These exclusions apply to Communicable disease Dishonest, intentional acts and Escape of water
each and every section of We do not cover any loss, damage,
misappropriation
We do not cover any loss, damage, or
this policy, unless otherwise injury, legal claim, expenses or liability We do not cover any loss, damage, expense caused by or arising out of
which is directly or indirectly caused injury, liability, legal claim, costs or escape of water from:
stated. They apply in addition by, contributed to or arising from any expenses:
any fixed domestic water or heating
to any specific exclusions
●●
disease, virus or syndrome that can be ●● caused by or arising from: installation;
listed under a particular spread from one person to another or
from an animal to a person. – any dishonest act by you, or at ●● any fixed water tanks; or
section. your direction; or
This exclusion does not apply to the ●● any water apparatus or pipes
cover provided under Your travel and – any criminal act by you or at
while your home has not been lived in
Your home breakdown and emergency your direction, other than where
Defined terms used in this section by you or by a person authorised by you
solutions. a criminal act is to be defended
for a period of 90 consecutive days
accident under Your legal solutions;
contents Confiscation This exclusion does not apply if:
●● deliberately or recklessly caused
damage you keep your home and any other
We do not cover any loss, damage, by you, arising from your actions or ●●
domestic employees permanent structure which contain
injury, liability, legal claim, costs or arising from the actions of a person
injury expenses caused by or arising from the directed by you; or fixed domestic water or heating
legal claim destruction, confiscation or seizure of installations, fixed water tanks or
●● caused by or arising from
loss your property under the order of any water apparatus or pipes heated to
occurrence government or public or local authority. ●● misappropriation by you or by a a temperature of at least 5 degrees
period of insurance person directed by you. Celsius; or
policy Cyber
For the purposes of this exclusion, the ●● you shut off and drain the fixed
pollution We do not cover any loss, damage, definition of ‘you’ does not include domestic water or heating
residence injury, liability, legal claim, costs or domestic employees unless the installations, fixed water tanks, water
we/us/our expenses caused by or arising from: domestic employee is directed by you. apparatus and pipes and you or a
you/your person nominated by you inspect
●● the use of or inability to use any
Erosion the buildings at least once a week;
application, software or programme,
We do not cover any loss, damage, and
See Definitions (page 12).
●● any computer virus; or
injury, liability, legal claim, costs or ●● you have notified us in accordance
●● any computer related hoax relating expenses caused by or arising from with Changes we need to know
to the above. coastal or river bank erosion. about (page 7).
17
AV618297_BHHHG15769_0921.indd 17 31/08/2021 13:49Faulty, inadequate or defective Forgeries Maintenance, renovations and repairs ●● the radioactive, toxic, explosive
planning or other hazardous properties of
We do not cover any loss, damage, We do not cover:
any explosive nuclear assembly or
We do not cover any loss, damage, injury, liability, legal claim, costs or ●● the costs of maintenance or nuclear component thereof; or
injury, liability, legal claim, costs or expenses in relation to items insured by
redecoration;
expenses caused by or arising from us which are subsequently identified as ●● radioactive, biological or chemical
faulty, inadequate or defective: being fakes or forgeries and have to be ●● loss or damage to your buildings contamination due to or arising from
destroyed or relinquished by you. caused by the process of terrorism. This includes poisoning,
●● planning (including design, property
professional cleaning; or or preventing or limiting the use of
development, planning permission,
Frost an object, due to the effects of any
setting specifications, siting and ●● loss or damage to your buildings
We do not cover any loss caused by or caused by alteration, repair, biological or chemical agent.
surveying);
arising from frost. renovation, restoration, construction
●● compaction, construction, design, Pollution
or decoration, unless:
grading, re-modelling, renovation, Insects, vermin or rodents We do not cover any loss, damage,
repair, specifications and – such building works cost less
We do not cover any loss, damage, injury, liability, legal claim, costs or
workmanship; than £250,000; or
injury, liability, legal claim, costs or expenses caused by, arising from or
●● materials used in repair, – you have notified us in relating to pollution.
expenses caused by or resulting from
construction, renovation or accordance with Changes we
the actions of insects, vermin or rodents This exclusion does not apply to
re-modelling; or need to know about (page 7).
(other than squirrels). the clearing-up of pollution at your
●● maintenance of part or all of any This exclusion does not apply to: Nuclear hazard, radioactive, chemical residence caused by any sudden,
property whether on or off the or biological contamination unforeseen and identifiable oil leakage
residence. ●● the cover provided under Your from a domestic oil installation or loss
property emergencies - Nest removal We do not cover any loss, damage, to contents caused by oil, subject to all
This exclusion does not apply to (page 35); injury, liability, legal claim, costs or other terms, conditions and exclusions
ensuing loss unless another exclusion expenses caused by or arising from or
the cover provided under Your within this policy.
applies. ●●
relating to:
home breakdown and emergency
solutions – Vermin Infestation (page the radioactive, toxic, explosive or Prior accidents, losses or occurrences
Fees ●●
53); or other hazardous or contaminating We do not cover any accident, loss,
We do not cover any fees incurred in
properties of any radioactive matter; injury or occurrence which occurs or
preparing or furthering any claim under ●● ensuing loss unless another
exclusion applies. ionising radiations from or commences prior to the start of the
this policy. ●●
contamination by radioactivity from period of insurance.
any nuclear fuel or from any nuclear
waste from the combustion of
nuclear fuel;
18
AV618297_BHHHG15769_0921.indd 18 31/08/2021 13:49Unsuitable transportation and packing is defined as any act or acts including, ●● warping or shrinkage, rust, bacteria
but not limited to: or other corrosion, wet or dry rot;
We do not cover any loss to any item
during transit which is not suitably a) the use or threat of force and/or ●● exposure to climatic temperatures;
packed and secured relative to its value violence; and/or b) harm or damage or
and materials used in its construction to life or to property (or the threat ●● extremes of temperature, dampness
and the method of transportation. of such harm or damage) including,
or dryness of atmosphere, or
but not limited to, harm or damage
water vapour (loss arising directly
War by nuclear and/or chemical and/or
from rain, sleet, snow or hail is not
Any consequence whatsoever which biological and/or radiological means
excluded).
is the direct or indirect result of any of caused or occasioned by any person(s)
or group(s) of persons, in whole or in This exclusion does not apply to
the following, or anything connected
part, for political, religious, ideological ensuing loss unless another exclusion
with any of the following, whether
or similar purposes including, but not applies.
or not such consequence has been
contributed to by any other cause limited to, the intention to influence any
or event: war, invasion, act of a government and/or to put the public
foreign enemy, hostilities or a warlike or any section of the public in fear, or is
operation or operations (whether war claimed to be caused or occasioned in
be declared or not), civil war, mutiny, whole or in part for such purposes.
rebellion, revolution, military rising,
Wear and tear and breakdown
insurrection, civil commotion assuming
the proportions of or amounting to an We do not cover any loss, damage,
uprising, military or usurped power. injury, liability, legal claim, costs or
expenses caused by or arising from:
Terrorism
●● wear and tear, being a reduction
Any consequence whatsoever which is in value through age, natural
directly or indirectly caused by nuclear deterioration, ordinary use,
and/or chemical and/or biological and/ depreciation due to use, damage
or radiological means, or anything by exposure to the light, lack of
connected with those means, and maintenance or loss which happens
which is the direct or indirect result gradually over a period of time;
of Terrorism, or anything connected
●● inherent flaw, latent defect,
with Terrorism, whether or not such
mechanical or electrical breakdown;
consequence has been contributed to
by any other cause or event. Terrorism
19
AV618297_BHHHG15769_0921.indd 19 31/08/2021 13:49General conditions
These conditions apply to Amount insured Improving your cover issued to you in respect of the same loss
and/or occurrence and/or claim and/or in
every section of this policy, We will not pay more than the relevant We may improve the cover provided under
the aggregate shall not exceed the applicable
amount insured or limit unless otherwise our Private Client High Net Worth Home
unless otherwise stated. limits of any one of these contracts of
expressly stated in this policy. Where more Insurance product. If we do so, we will
insurance.
There are additional specific than one of you is named in the schedule, automatically apply the improved cover to
conditions listed under the total amount we will pay will not this policy without charging an additional Transferring the policy
exceed the amount we would be liable to premium. We will define a date for the
particular sections. pay to any one of you (except under Your improved cover to take effect. No person covered under this policy may
travel). transfer or assign their interest in this
Other insurance policy to anyone else without our prior
Defined terms used in this section Currency written agreement.
If any loss, damage, injury, liability, legal
amount insured
Any amount of money referred to in this claim, cost or expense is covered by this Taking care
buildings policy will be converted to the currency policy and by any other insurance policy
contents used in the schedule at the exchange rate under which you are insured, we will only You must take practical steps to prevent
damage that applies at the date of the claim. pay our proportion. and mitigate all loss, damage, injury,
excess liability, legal claims, cost and/or
injury Duplicate cover Protection from inflation expenses covered by this policy. You
legal claim must also take practical steps to protect
If you are covered under one section for We will adjust the amount insured for your property.
loss your loss, we will not pay for that loss buildings and contents each month to
money under a different section. account for the current effect of inflation You must keep and maintain your
occurrence based upon a suitable index chosen by property in a good condition and state
policy Excess us. At each renewal, the premium will of repair.
schedule be calculated on the adjusted amount
We will not pay the amount of the excess
we/us/our insured. If you do not comply with these
as detailed in the schedule or as stated in
you/your provisions, we may refuse to pay or
this policy.
Shared limits reduce any payment we make for a
However, we will not apply the excess if claim, unless you show that your failure
See Definitions (page 12). The total amount payable under the
an occurrence covered under the Your to comply could not have increased
applicable limits of cover provided under
buildings and/or the Your contents section the risk of the claim which actually
the contract of insurance underwritten by
exceeds £10,000 in total. occurred in the circumstances in which
Aviva Insurance Limited and issued to you
No excess applies to any covered loss for it occurred.
combined with the corresponding limits
food and drink. of cover provided under the contract of
insurance underwritten by Aviva Insurance
Ireland Designated Activity Company and
20
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