UNOCCUPIED PROPERTY OWNERS · Unoccupied Property Owners – v4 01/01/2016 2 ABOUT THIS DOCUMENT IMPORTANT NOTICE: There are conditions that you must comply with to receive benefit

Camberford Law plc. Unoccupied Property Owners – v4 01/01/2016 1

UNOCCUPIED PROPERTY OWNERS

DOCUMENT OF INSURANCE

NOTICES AND IMPORTANT INFORMATION


ABOUT THIS DOCUMENT

IMPORTANT NOTICE: There are conditions that you must comply with to receive benefit under this Policy. These are detailed on pages 15 to 17 of this

document of insurance, together with an explanation regarding consequences of non-compliance.

The symbols below help to indicate and draw your attention to different features within this documentof insurance:

Cover (What Is Included – this is the standard scope of cover provided when the Section is operative. The scheduleclarifies which of these are included)

Exclusions (What Is Not Included)

We also highlight exclusions by using shading

!!Conditions You Must Comply With To Receive Benefit Under This Insurance

(These conditions are extremely important. They require/oblige you to act in a certain way or they state requirements with which you must comply)

Conditions(These may qualify, limit, stipulate or clarify the insurance or a part of it)

Important Information (Important information and notices)

Definitions(Defined words or phrases applicable to the Policy or certain parts of it)



CONTENTS

Title / Heading Section / Sub-Section / Exclusions / Conditions Page Range

Notices And Important Information

Introduction 4

Camberford Law plc 4

This Insurance 5

Several Liability Notice 5

Definitions 6-7

Complaints 8-9

How To Claim And Important Information Regarding Claims 10

Information You Have Given To Us 10

Changes To Your Information 11

Cancellation 12

Compensation 12

Data Protection 12-13

Contracts (Rights Of Third Parties) Act 1999 13

Sanctions 13

Law And Jurisdiction 13

Use Of Language 13

Headings 14

Conditions You Must Comply With To Receive Benefit Under This Policy 15-17

SectionsSection 1 Property

Insured Events 18-19

Settling Claims 20

Section 2 Property Owners Liability 21

Policy General Exclusions 22-24

Policy General Conditions 25

Endorsements 26-29



INTRODUCTION

This document of insurance together with the schedule, and any endorsement(s) form your Policy, which should be kept in a safe place.

Wherever any word within this Policy appears in bold it will have the meaning shown in the Definitions on pages 6 to 7 of this document of insurance or as stated within any endorsement in which that word appears.

Please read the whole Policy carefully. It is arranged in different Sections. The underwriters may vary by Sectionand will be clearly identified in the schedule.

It is important that:

You check that the Sections you have requested are noted as included in the schedule;

You check that the information you have given us is accurate and complete – please refer to the ‘Information You Have Given Us’ section on page 10

You must comply with your duties under each Section and under the Policy as a whole.

CAMBERFORD LAW PLC

Thank you for choosing a Camberford Law plc Specialist Scheme insurance.

Camberford Law plc began trading in 1958 and is now a highly regarded specialist insurance intermediary and Underwriting Agency arranging a diversified portfolio of insurance. Camberford Law plc is a market leader in research, development, management and distribution of affinity and often niche insurance products. Focusing on specific trades and industries, we strive to provide high quality service and bespoke coverage for a broad spectrum of insurance classes - operating under delegated authority from our Underwriter partners.

The underwriters authorise Camberford Law plc to issue this Policy under the agreement number(s) detailed in the schedule.

Camberford Law plc is a limited company registered in England under company number 00608819. The registered office of Camberford Law plc is:

Lygon House50 London RoadBromley BR1 3RA

Camberford Law plc is authorised and regulated by the Financial Conduct Authority (the ‘FCA’) as an insurance intermediary with registered number 121476 and may be found on the FCA Register at www.FCA.gov.uk.

Signed for and on behalf of Camberford Law plc

Simon CarterDirectorCamberford Law plc



THIS INSURANCE

You have applied to us for insurance and your Policy sets out the details of the insurance which you have requested.

In return for you having paid or agreed to pay the premium for the period of insurance, we will insure you by payment in respect of loss, liability or injury to the extent of, and in accordance with, the terms contained in, or endorsed upon, the Policy.

Our acceptance of this risk is based on the information presented to us being a fair presentation of you and yourbusiness including any unusual or special circumstances which increase the risk and any particular concerns which have led you to seek insurance.

We would draw your attention to the ‘Information You Have Given Us’ and ‘Changes To Your Information’ sections of this Policy and specifically that we may treat this Policy as if it had never existed and decline all claims if youprovide us with false or misleading information, withhold important information or fail to advise of any change to the information you have provided.

The Insurance relates ONLY to those Sections of this Policy which are shown in the schedule as being included.

SEVERAL LIABILITY

PLEASE NOTE – This notice contains important information. PLEASE READ CAREFULLYThe liability of an insurer under this contract is several and not joint with other insurers party to this contract. An insurer is liable only for the proportion of liability it has underwritten. An insurer is not jointly liable for the proportion of liability underwritten by any other insurer. Nor is an insurer otherwise responsible for any liability of any other insurer that may underwrite this contract.

The proportion of liability under this contract underwritten by an insurer (or, in the case of a Lloyd’s syndicate, the total of the proportions underwritten by all the members of the syndicate taken together) is shown in this contract.

In the case of a Lloyd’s syndicate, each member of the syndicate (rather than the syndicate itself) is an insurer. Each member has underwritten a proportion of the total shown for the syndicate (that total itself being the total of the proportions underwritten by all the members of the syndicate taken together). The liability of each member of the syndicate is several and not joint with other members. A member is liable only for that member’s proportion. A member is not jointly liable for any other member’s proportion. Nor is any member otherwise responsible for any liability of any other insurer that may underwrite this contract. The business address of each member is Lloyd’s, One Lime Street, London EC3M 7HA. The identity of each member of a Lloyd’s syndicate and their respective proportion may be obtained by writing to Market Services, Lloyd’s, at the above address.

Although reference is made at various points in this clause to “this contract” in the singular, where the circumstances so require this should be read as a reference to contracts in the plural.



POLICY DEFINITIONS

Each time we use one of the words or phrases listed below, it will have the same meaning wherever it appears inyour Policy unless an alternative definition is stated to apply.

Additionally, individual Sections and Sub-Sections of the Policy contain definitions. Definitions stated as Sectiondefinitions or Sub-Section definitions will have the same meaning wherever they appear in the Section or Sub-Section unless an alternative definition is stated to apply.

Any defined word or phrase will be shown in bold each time it appears in the Policy.

Building(s)(a) The building situated at the address shown on the schedule as the premises or risk address (or as may be

amended by endorsement) being built of brick, stone or concrete and the external surface of the roof constructed of slates, tiles, concrete, asphalt or of any entirely incombustible mineral ingredients;

(b) interior decorations and landlord’s fixtures and fittings;

(c) outbuildings including garages, fixed fuel tanks, swimming pools, tennis courts, drives, patios, terraces and walls

all owned by you or for which you are legally responsible.

Camberford Law plcCamberford Law plc is a limited company registered in England under company number 00608819 and registered and authorised by the Financial Conduct Authority as an insurance intermediary with registered number 121476 (and may be found on the FCA register at www.FCA.gov.uk). The registered office of Camberford Law plc is:Lygon House50 London RoadBromley BR1 3RA

Camberford Law plc is authorised by us to administer and issue this Policy on our behalf.

ClaimA single loss or series of losses arising from one event.

ContentsYour contents at the address shown on the schedule as the premises or risk address (or as may be amended by endorsement) but excluding money, any financial instrument, jewellery, gold, silver, metal, platinum objects/ornaments, furs, collections of any type, articles of a brittle nature, hi-fi, stereo, television and any other audio visual equipment and any other items permanently fitted to the buildings.

Document Of InsuranceThis booklet.

EndorsementA change in the terms and conditions of this document of insurance that is displayed on the schedule.

ExcessThe amount you have to pay towards a claim. This is the first amount of any claim before we are required to make any payment.

Heave Upward movement of the ground beneath the buildings as a result of the soil expanding.

Landslip Downward movement of sloping ground.



POLICY DEFINITIONS - continued

Period Of InsuranceThe period shown in your schedule detailing the start and end date of this insurance.

PremiumThe amount shown in the schedule as the premium.

Property InsuredThe buildings and contents insured by this Policy.

Settlement Downward movement as a result of the soil being compressed by the weight of the buildings within 10 years of construction.

ScheduleThe schedule specifying the terms and extent of this document of insurance.

Subsidence Downward movement of the ground beneath the buildings other than by settlement

Sum InsuredThe sum insured shown in the schedule.

UnderwritersThe insurance companies and/or certain underwriters at Lloyd’s specifically detailed within the schedule against individual Sections underwritten by them.

UnoccupiedNot lived in by you or any other person with your permission.

We, Us or OurThe underwriters or our chosen representatives.

You or YourThe company, companies, person or people shown as ‘The Insured’ in the schedule. If there is more than one company or person shown as ‘The Insured’ in the schedule, this insurance applies both jointly and individually, but our total liability for all claims will not exceed the limits stated in this Policy.



COMPLAINTS

Complaints In Relation To Sections Of This Policy NOT Underwritten By Lloyd’s Underwriters.

At Camberford Law we do everything possible to ensure that our clients receive a high level of service. However, we understand that complaints arise and we will deal with them fairly, promptly and efficiently.

If you have a complaint regarding this Policy you may contact the underwriters by using the contact details referenced in the schedule or by contacting Camberford Law directly with the following details:

Address: Compliance Officer Lygon House 50 London Road Bromley Kent BR1 3RA

Telephone: 020 8315 5000Email: [email protected]

Either Camberford Law plc or the underwriters, as appropriate dependant on to whom your complaint is made, will handle your complaint as follows:

We will acknowledge your complaint promptly and advise you of the name and title of the person who is handlingyour complaint.

We will deal with your complaint as quickly as possible and will keep you informed throughout the process.

We aim to resolve your complaint within 8 weeks, however, if we are unable to do this or you are dissatisfied with our response you may have the right to refer your complaint to the Financial Ombudsman Service. Their contact details are as follows:

Address: Financial Ombudsman ServiceExchange TowerLondon E14 9GE, United Kingdom.

Telephone number: 0800 023 4567 or 0300 123 9123. E-mail: [email protected]: http://www.financial-ombudsman.org.uk/

The Financial Ombudsman Service is an independent service in the UK for settling disputes between clients and businesses within the financial services industry.



COMPLAINTS - continued

Complaints In Relation To Sections Of This Policy Underwritten By Lloyd’s Underwriters.

If at any time you have any query, concern or complaint regarding a Section or Sections of this Policy underwritten in part or in full by Lloyd’s Underwriters, you should in the first instance refer to your insurance broker or other intermediary or contact Camberford Law directly through the following means:

Address: Compliance OfficerLygon House50 London RoadBromleyKentBR1 3RA

Telephone: 020 8315 5000Email: [email protected]

If you are not satisfied and wish to refer the matter to the Complaints Team at Lloyd’s, the contact details are:

Address: Complaints TeamLloyd’sOne Lime StreetLondon, EC3M 7HA

Telephone: 020 7327 5693Fax: 020 7327 5225E-mail: [email protected]: www.lloyds.com/complaints

Details of Lloyd’s complaints procedures are set out in a leaflet “Your Complaint – How We Can Help” available atwww.lloyds.com/complaints and are also available from the above address.

If you remain dissatisfied after Lloyd’s has considered your complaint, you may have the right to refer yourcomplaint to the Financial Ombudsman Service. Their contact details are as follows:

Address: Financial Ombudsman ServiceExchange TowerLondon E14 9GE, United Kingdom.

Telephone number: 0800 023 4567 or 0300 123 9123. E-mail: [email protected]: http://www.financial-ombudsman.org.uk/

The Financial Ombudsman Service is an independent service in the UK for settling disputes between clients and businesses within the financial services industry.



HOW TO MAKE A CLAIM AND IMPORTANT INFORMATION REGARDING CLAIMS

REPORTING A CLAIMContact Camberford Law plc on 020 8315 5000.

Camberford Law plcLygon House50 London RoadBromleyKentBR1 3RATel: 020 8315 5000Email: [email protected]

The following important conditions relate to claims and are detailed under within the ‘Conditions You Must Comply With To Receive Benefit Under This Policy’ section of this document of insurance on pages 15 to 17.

Claims Conditions Preventing And Mitigating Loss Or Damage Permission To Inspect Your Building All Insured Persons Duty To Comply With Policy Conditions And Endorsements

INFORMATION YOU HAVE GIVEN US

If we establish that you deliberately or recklessly provided us with false or misleading information or withheld important information we will treat this Policy as if it never existed and decline all claims.

If we establish that you carelessly provided us with false or misleading information or failed to disclose important information it could adversely affect your Policy and any claim. For example, we may:

treat this Policy as if it had never existed and refuse to pay all claims and return the premium paid. We will only do this if we provided you with insurance cover which we would not otherwise have offered;

amend the terms of your Policy. We may apply these amended terms as if they were already in place if a claim has been adversely impacted by your carelessness;

charge you more for your Policy or reduce the amount we pay on a claim in the proportion the premiumyou have paid bears to the premium we would have charged you; or

cancel your Policy in accordance with the Cancellation clause on page 12.

We or Camberford Law plc will write to you if we: intend to treat your Policy as if it never existed; or

need to amend the terms of your Policy; or

require you to pay more for your insurance.

Camberford Law plc will issue a statement of facts document to you confirming the answers that you have provided to the questions we have asked.

If you become aware that information you have given us is inaccurate, you must inform Camberford Law plc as soon as reasonably practicable.



CHANGES TO YOUR INFORMATION

Changes You Must Advise At Renewal Of This Insurance

At renewal you must let Camberford Law plc know if any of the information you have provided has changed in relation to you and/or anyone insured under your Policy. The information you have provided is recorded in a statement of facts document, a copy of which is issued to you with your Policy.

Changes You Must Advise During The Period Of Insurance

You must tell Camberford Law plc about the following BEFORE the change occurs, or immediately you become aware if outside of your control, as your Policy will not be amended retrospectively:

you cease to own or have a legal responsibility for the buildings;

the buildings become occupied or changes the occupancy from that which you have advised to us;

any security provision, measure or device for the protection of the buildings and/or contents is removed or in any way changes or is compromised;

any provision, measure or device for prevention of loss or damage of any type ceases or changes;

you suffer a loss or incident, whether insured by this Policy, another insurance or not insured at all, that is malicious or intended to harm you or any member of your family or any property owned by you;

the buildings becomes listed;

any application for planning approval or development of the buildings is rejected;

you have received a conviction for any offence except for driving;

the buildings are to undergo any structural work that you have not declared to us (this includes new roofing, extensions, underpinning or work involving load bearing walls);

you or any other director or partner or any company or partnership which any of you have been a director or partner becomes the subject of a County Court Judgment (or Scottish equivalent) or is declared bankrupt or insolvent or is placed into administration;

you do not comply with any of the Condition You Must Comply With To Receive Benefit Under This Policyshown on pages 15 to 17 of this document of insurance;

any increase in the value of your contents or if the rebuilding cost of your buildings exceeds the sum insured shown on your schedule.

You will not be covered following the above changes unless we have agreed to provide cover. This means that, if you do not advise us of any change, we will determine if your failure to do so has been deliberate, reckless or careless and your Policy may be affected in accordance with the ‘Information You Have Given Us’ clause above.

Where we agree to your change, this may result in an additional or return premium. Camberford Law plc will advise you of this.

If your change means that we can no longer provide cover, we will give you notice of cancellation in accordance with the Cancellation section below.



CANCELLATION

You can cancel this Policy at any time by notifying Camberford Law plc.

If you have not made a claim we will return any premium you have paid or agree to waive any premium youhave to pay, less a pro rata premium for the cover you have had. However, we will not return or waive more than 50% of the premium.

We can cancel this Policy by giving you 14 days’ notice in writing. We will only do this for a valid reason. Examples of valid reasons are as follows:

Non payment of the premium when due; A change in risk occurring which means that we can no longer provide you with insurance cover; Non-cooperation or failure to supply any information or documentation we request; Threatening or abusive behaviour or the use of threatening or abusive language.

If we cancel the Policy, will return any premium you have paid, less a pro rata premium for the cover you have had.

If you have made a claim, we will not refund any money you have paid, regardless of whether you or we cancel the Policy.

Please refer to your schedule for details of any cancellation charges that may apply.

Any refund due to you, will be sent to you as soon as possible following you telling us to cancel or, if applicable, us advising you that we must cancel.

COMPENSATION

The underwriters are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if an underwriter is unable to meet its obligations to you under this Policy. If youwere entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this Policy. Further Information about the Scheme is available from the Financial Services Compensation Scheme (10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU) and on their website: www.fscs.org.uk.

DATA PROTECTION

Your information will be treated in accordance with the Data Protection Act 1998 and only shared where permitted by law or regulation.

In the course of administering your insurance, your information may be passed to other companies, including but not limited to (i) insurance companies; (ii) insurance brokers;(iii) loss adjusters; (iv) solicitors;(v) premium finance providers;(vi) fraud prevention and detection agencies and operators of associated databases (for example CUE – the

Claims and Underwriting Exchange).

Under the Data Protection Act you have the right to see any personal information held about you. Should you want to see this information please contact the Data Protection Officer at Camberford Law plc.



DATA PROTECTION - continued

Camberford Law plcAddress: Lygon House, 50 London Road, Bromley, Kent, BR1 3RAEmail: [email protected]: 020 8315 5000

Please note that a fee of £10 will be charged to cover the administrative cost of compiling your information.

We may use your information to advise you about other products and services that we, or carefully selected third parties, feel may be of interest to you. If you would prefer that we do not do this, please contact the Data Protection Officer at Camberford Law plc using details stated above.

CONTRACTS (RIGHTS OF THIRD PARTIES) ACT 1999

This Policy does not confer or create any right enforceable under the Contracts (Rights of Third Parties) Act 1999 or any amending or subsequent legislation, by any person who is not named as the insured and unless otherwise stated in this Policy

(a) both we and you may amend or lapse this Policy without giving notice to, or requiring the consent of, any other third party,

(b) we may cancel this Policy without giving notice to, or requiring the consent of, any other third party.

SANCTIONS

We will not provide any benefit under this Policy to the extent of providing cover, payment of any claim or the provision of any benefit where doing so would breach any sanction, prohibition or restriction imposed by law or regulation.LMA5213

LAW AND JURSIDICTION

You and we are free to choose the law applicable to this contract of insurance. Unless specifically agreed to the contrary this contract of insurance will be governed by the laws of England and Wales and subject to the exclusive jurisdiction of the courts of England and Wales except for customers who at inception of the period of insurance are domiciled(a) in Scotland where Scots law will apply; or(b) in Northern Ireland where the law of Northern Ireland will apply.

USE OF LANGUAGE

Unless otherwise agreed, the contractual terms and conditions and other information relating to this Policy will be in English.

Words stated anywhere in this Policy which import the singular also include the plural and vice-versa where the context requires.

Use of the feminine, masculine, or neuter genders anywhere in this Policy will be deemed to include the genders not used.



HEADINGS

The headings used in this Policy for Sections, Extensions, Exclusions and Conditions are for reference purposes only and do not affect the meaning or interpretation of this Policy.

CONDITIONS YOU MUST COMPLY WITH TO RECEIVE BENEFIT UNDER THIS POLICY


!! CONDITIONS YOU MUST COMPLY WITH TO RECEIVE BENEFIT UNDER THIS POLICY

There are conditions applicable to this Policy that oblige or require you to act in a certain way, or that state requirements with which you must comply.

If you breach any of these conditions we may:

render your claim null and void;

amend the terms of your Policy. We may apply these amended terms as if they were already in place if a claim has been adversely impacted by your breach of the condition(s);

charge you more for your Policy or reduce the amount we pay on a claim in the proportion the premiumyou have paid bears to the premium we would have charged you;

cancel your Policy in accordance with the Cancellation clause.

IMPORTANT: ALL persons claiming to be covered by this Policy must have kept to all the conditions and endorsements

1. CLAIMS CONDITIONSIf anything happens which could result in a claim being made by you or against you under this Policy

(a) you must as soon as practically possible notify and confirm the incident to:

Claims Department (Unoccupied Property Team)Camberford Law plcLygon House50 London RoadBromley, KentBR1 3RATelephone: 020 8315 5000Email: [email protected]

and give us full details of the incident together with any information and assistance that we may require;

(b) you must as soon as practically possible notify the Police following damage by theft, attempted theft, malicious damage, violent disorder, riot or civil commotion and provide us with the Crime Reference Number;

(c) you must NOT under any circumstances admit liability for, nor offer to agree to settle, any claimwithout our written consent. We will be entitled to take over and conduct in your name the defence of any claim and to prosecute in your name, for our benefit, any claims for indemnity or damages or otherwise against any third party and we will have full discretion in the conduct of any negotiations and proceedings and the settlement of any claim;

(d) you must not make your own arrangements for repair or replacement or reinstatement;

(e) you must not hinder subsequent investigation by us or the Police in any way.

2. UNOCCUPIED PROPERTY CONDITIONSYou must comply with the following conditions unless otherwise agreed by us and shown in yourschedule or endorsement. (Please note that headings are for identification purposes only and do not form part of the respective condition).



!! CONDITIONS YOU MUST COMPLY WITH TO RECEIVE BENEFIT UNDER THIS POLICY - continued

(a) Your Duty To Disconnect Gas And ElectricityYou must ensure that the supply of gas and electricity to the building is disconnected except where it is required for maintaining fire or intruder alarms or central heating;

(b) Your Duty To Disconnect Mains Water And Drain Pipes And Tanks OR Maintain Central HeatingYou must ensure that during the period of 1st November to 1st April inclusive either(i) the mains water supply is disconnected and all pipes and tanks drained OR (ii) the central heating is maintained in a fully functional state and set to operate at a minimum

temperature of 15° Celsius and with any loft hatch or other access to loft space remaining open;

(c) Your Duty To Have Fastenings And Protections Activated And OperationalYou must ensure that all fastenings and protections declared to and accepted by us, or applied by endorsement, or which were present at the building at the start of this Policy are activated and in actual and complete operation whenever the building is left unattended by you, yourrepresentative, builder or other contractor employed by you or on your behalf;

(d) Your Duty To Inspect the BuildingYou must ensure that you or your representatives inspect the building internally and externally at least once every 7 days and keep a written, dated and signed record of such inspections, and any findings, which must be sent to us if we ask to see it.

(e) Your Duty To Report Actual Or Attempted Illegal EntryYou must report to us if the building is entered illegally or an attempt made to enter it illegally or the building is damaged in any way whether likely to result in a claim or not;

(f) Your Duty To Keep The Building Clear Of Combustible MaterialYou must ensure that (i) the area inside the building(s) is kept clear of combustible waste material; and (ii) the area outside of the building(s) that is owned by you or under your control is kept clear of

all loose combustible material;

(g) Your Duty To Seal LetterboxesYou must ensure that all letterboxes and similar openings are sealed at all times to prevent the insertion of material;

(h) Your Duty To Secure Residential BuildingsYou must ensure that if the buildings were, are or will be used solely for residential purposes, and that at all times, all accessible windows are secured by key operated window locks and all final exit doors are secured by a minimum of five lever mortice deadlocks;

(i) Your Duty To Secure Commercial BuildingsYou must ensure that if the buildings were, are or will be used fully or partially for commercialpurposes all accessible windows and all final exit doors are boarded shuttered or grilled;

(j) Your Duty To Notify Us Prior To Contractors Being In Or Around The PremisesYou must notify us prior to contractors attendance in or around the buildings and you must ensure that contractors sign an inspection record at least once every 7 days to confirm that the buildingsremain secure.

We strongly advise you to ensure that contracts with contractors contain suitable provision to cover payment in respect of loss or damage caused by them.



!! CONDITIONS YOU MUST COMPLY WITH TO RECEIVE BENEFIT UNDER THIS POLICY - continued

3. YOUR DUTY TO TAKE CARE OF YOUR PROPERTYYou must:

(a) ensure that the property insured is maintained in sound condition and all reasonable precautions taken to prevent any claims;

(b) protect your property insured from loss or damage; and

(c) ensure that any loss or damage incurred is limited to the minimum.

4. YOUR DUTY TO PERMIT INSPECTIONS OF THE BUILDING AND ASSIST US IN HANDLING CLAIMS (a) You must allow us to examine your buildings if we request to do so.

(b) You must not take any action that could prejudice or prevent our ability to fully consider or investigate loss or damage unless such action is taken with our consent or the consent of ourappointed loss adjuster (or our other appointed expert).

5. YOUR DUTY TO COMPLY WITH RISK IMPROVEMENTSYou must comply and continue to comply with any risk improvement requirements that have been notified to you.

Conditions Added By EndorsementEndorsements may apply additional conditions which place an obligation for you to act in a certain way or stipulate a contingency upon which the validity of the Policy or a claim depend. You must ensure you have read and understood all conditions and endorsements that apply.

SECTION 1 – PROPERTY DAMAGE



CoverWhat Is Insured

We will pay for loss or damage

A to the buildings

B to the contents

caused by the following Insured Events

ExclusionsWhat Is Not Insured

More than the sum insured shown in the schedule.

1. Fire (including resultant smoke damage), lightning, explosion or earthquake.

2. Water or other fluids leaking from any fixed tank, appliance or pipe;

Damage to fixed water tanks, apparatus or pipes caused by freezing or frost.

2. Loss or damage from leakages arising from subsidence,

heave, landslip or settlement;

to the tank, appliance or pipe itself, unless caused by freezing or frost;

to swimming pools

3. Theft or attempted theft. 3. Loss or damage unless violence or force is used to break into or exit from the buildings.

4. Storm or flood. 4. Loss or damage to domestic fixed fuel oil tanks in the open, swimming pools or tennis courts in the open, drives, patios and terraces, gates or fences.

5. Vandalism or malicious damage, including riot, civil unrest, strikes or labour or political disturbances.

6. Impact by any animal, road vehicle, train, aircraft or other flying or falling objects (including items dropped from them).

7. Subsidence, or heave of the site on which the buildings stand or landslip.

7. Loss or damage: caused by coastal or river erosion;

caused by settlement;

caused during demolition, structural



alteration or repair work;

to buildings undergoing any structural repairs, alterations or extensions;

caused by poor design, faulty workmanship or the use of defective materials;

caused by foundations which did not meet building regulations at the time of construction;

where compensation has been provided under any contract, legislation or guarantee;

to solid floors and non load bearing walls unless the foundations beneath the exterior load bearing walls of your buildings are damaged at the same time by the same cause;

caused by settlement of made up ground;

loss or damage to outbuildings, garages, swimming pools, tennis courts, walls, hedges, gates, fences, drives, footpaths, patios, terraces and service tanks unless the foundations beneath the exterior load bearing walls of your buildings are damaged at the same time by the same cause;

shown as not insured elsewhere in this document of insurance.

Following loss or damage by any of the Insured Events 1. to 7. above, we will also insure:

8. Architects and surveyor fees necessarily incurred with our consent in the reinstatement of the buildings.

8. Any expenses incurred in the preparation of an estimate of loss.

More than 15% of the buildings sum insured.

9. The cost incurred with our consent by removing debris, shoring up or demolition of the buildings.

9. More than 10% of the buildings sum insured.

10. Any extra cost of reinstatement of the destroyed or damaged buildings made necessary to comply with Government, local authority or another statutory authority’s requirements,

10. Any cost where a notice had been served upon you by the said Government, local authority or other statutory authority prior to the loss or damage.

Undamaged parts of the buildings or its foundations.

SECTION 1 – PROPERTY DAMAGESETTLING CLAIMS


SETTLING CLAIMS: Section 1 Property Damage

Basis Of SettlementIf the loss or damage is covered by this insurance we will at our option, either:(a) arrange for repair, replacement or reinstatement using our suppliers;or(b) pay the cost or repair, replacement or reinstatement;or(c) make a cash payment.

At our discretion payments on account will be made to you if requested, in accordance with the terms and conditions of this insurance.

We will settle each claim, after taking account of all Policy exclusions and conditions, on the basis that

(a) the sum insured represents not less than the cost at the time of repair or replacement of or reinstating all the property insured in the same form, size, style and condition as when new;

Caution: please see ‘Underinsurance’ as detailed below

(b) the property insured is maintained in good repair:

Caution: please see ‘General Exclusion 13 on page 23 which incorporates exclusions of deterioration and wear and tear

(c) no claim will be paid until the cost of repair or replacement or reinstatement has been incurred or otherwise agreed by us.

We will not pay more than(a) the sum insured;or(b) the value of the property insured.

You should also note General Exclusion 13 on page 23 which incorporates exclusions of deterioration and wear and tear.

UnderinsuranceIt is your responsibility to ensure that the buildings and contents sum insured are sufficient to cover the full cost of rebuilding the buildings and replacing the contents.

If the cost of rebuilding the buildings in the same form, size, style and condition as new is more than the sum insured shown on your schedule, we will (a) not pay the difference; and(b) reduce the amount claimed in proportion with the underinsurance. For example, if the sum insured is

equal to 75% of the amount needed to rebuild the buildings, we will only pay 75% of your claim.

If the sum insured for contents is less than the full replacement cost of the contents, we will (a) not pay the difference; and(b) reduce the amount claimed in proportion with the underinsurance. For example if the amount of your

contents cover is equal to 75% of the amount needed to replace all the contents, we will pay only 75% of the value of your claim.

Reinstatement Of CoverIf a claim arises under Section 1 of this Policy the relevant sum insured will be immediately and automatically reinstated, provided that you pay the appropriate additional premium. This additional premium will be based on the amount of the corresponding loss involved in your claim pro-rata from the date of the claim to the end of the period of insurance.

SECTION 2 – PROPERTY OWNERS LIABILITY


SECTION 2 – PROPERTY OWNERS LIABILITY


We will cover your legal liability as owner of the buildings and its land if:


1. following an accident during the period of insurance someone dies, is injured, falls ill or has their property damaged.

The most we will pay for any claim arising from one incident, including claimants’ costs and expenses, is £2,000,000. We may also pay other costs and expenses incurred with ourprior written permission.

1. Liability arising from:

the death, bodily injury or illness of you or a member of your family or your domestic staff or employee;

loss or damage to any property you or a member of your family or your domestic staff or employee own, or are responsible for;

an agreement that imposes a liability youwould not otherwise have been under;

any professional, occupational or business activities;

you occupying the buildings and its land;

the cost of putting right any fault or alleged fault which, if not put right, may cause accidental bodily injury or disease or accidental loss of or damage to property;

the ownership or operation of lifts, elevators or hoists;

repairs, alterations or other work carried out by contractors.

POLICY GENERAL EXCLUSIONS



These exclusions apply to the entire Policy and are in addition to the exclusions shown under ‘what is not insured’ within each Section of this document of insurance.

1 ExcessWe will not pay for the excess. This is the amount you must contribute to every claim.

2 War ExclusionWe will not pay for any loss or damage or liability directly or indirectly caused by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority.

3 Biological and Chemical Contamination ExclusionWe will not pay for: (a) loss or damage to any property whatsoever, or any loss or expenses whatsoever; (b) any legal liability of whatsoever nature; (c) death or injury to any person;

directly or indirectly caused by or contributed to by or arising from Biological or Chemical contamination due to or arising from; (i) terrorism; and/or (ii) steps taken to prevent, suppress, control or reduce the consequences of any actual, attempted,

threatened, suspected or perceived terrorism.

For the purposes of this exclusion “terrorism” means any act(s) of any person(s) or organisation(s) involving: (1) the causing, occasioning or threatening of harm of whatever nature and by whatever means; (2) putting the public or any section of the public in fear;

in circumstances in which it is reasonable to conclude that the purpose(s) of the person(s) or organisation(s) concerned are wholly or partly of a political, religious, ideological or similar nature.

4 Nuclear and Radioactive Contamination ExclusionWe will not pay for: (a) Loss or destruction of or damage to any property whatsoever, or any loss or expenses whatsoever;(b) Any legal liability of whatsoever nature, or death or injury to any person

directly or indirectly caused by or contributed to by or arising from nuclear reaction, nuclear radiation or radioactive contamination.

5 Business, Trade or ProfessionWe will not pay for any loss or destruction of, or damage to, any items used in connection with any business, trade or profession.

6 Deliberate Act ExclusionWe will not pay for any loss or damage from an event deliberately caused by you or any liability arising the deliberately caused event.

7 Pressure Waves ExclusionWe will not pay for any damage to the property insured arising from pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed.



POLICY GENERAL EXCLUSIONS - continued

8 Exclusion Of Riot And Civil Commotion In Northern IrelandWe will not pay for any liability or damage which is caused by or results from riot, terrorism or civil commotion in Northern Ireland or the Republic of Ireland.

9 Reduction In ValueWe will not pay for any reduction in value.

10 Undamaged ItemsWe will not pay for the cost of replacing any undamaged items which form part of a pair, set, suite or any other item of a uniform nature, design or colour.

11 Loss Outside Of The Period Of InsuranceWe will not pay for any loss or damage or liability arising from an event that happened before the start, or happens after the end, of the period of insurance.

12 Indirect LossWe will not pay for loss or damage of any nature which is not directly associated with an event that is insured by this Policy unless, and to the extent, specifically detailed within this Policy.

13 Gradually Operating Cause, Insects or Vermin and Micro Organism Exclusion We will not pay for any claim arising from(a) anything which happens gradually (for example, damp formed over a period of time due to blocked

or poorly maintained guttering, or the mechanical or electrical failure of a television);

(b) deterioration or wear and tear, settlement or shrinkage;

(c) mildew, fungus, climatic or atmospheric conditions, frost, wet or dry rot;

(d) damage by insects or vermin.

14 Electrical or Mechanical Failure Or BreakdownWe will not pay for any claim arising from electrical or mechanical failure or breakdown.

16 Faulty Design or WorkmanshipWe will not pay for any claim arising from faulty design, materials or workmanship.

17 Electronic DataWe will not pay for: (a) loss or damage to any property whatsoever, or any loss or expenses whatsoever; or (b) any legal liability of any nature directly or indirectly caused by or contributed to by or arising from; (i) computer viruses, erasure or corruption of electronic data; or(ii) the failure of any equipment to correctly recognise the time or date or change of time or date;

For the purposes of this exclusion “computer virus” means a set of corrupting, harmful or otherwise unauthorised instructions or code including a set of maliciously introduced unauthorised instructions or code, programmatic or otherwise, that propagate themselves through a computer system or network of whatsoever nature.



POLICY GENERAL EXCLUSIONS - continued

18 PollutionWe will not pay for any claim arising from pollution or contamination.

19 Contractors ExclusionWe will not pay for any loss or damage caused by or liability arising from contractors.

20 AsbestosWe will not pay for liability in respect of injury of any nature directly or indirectly caused by or contributed to by or arising from the manufacture, production, storage or handling of asbestos or materials containing asbestos.

21 Terrorism ExclusionWe will not pay for loss, liability, death, injury, loss, damage or destruction or any cost or expense of whatsoever nature or wheresoever arising directly or indirectly caused by resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss, or any action taken in controlling preventing, suppressing or in any way relating to any act of terrorism.

For the purpose of this exclusion an act of terrorism means the use of biological, chemical and/or nuclear pollution or contamination and/or threat thereof by any person or group of persons whether acting alone or on behalf of or in connection with any organisation(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the public in fear.

POLICY GENERAL CONDITIONS


POLICY GENERAL CONDITIONS

1 Payment By Credit Agreement ConditionIf you pay your premium by instalments under a credit agreement made available by Camberford Law plc, you must pay each instalment when it is due. If you miss an instalment and do not pay it within the timeframe permitted by the credit provider, you will have to pay all the money you owe along with any charges. Please refer to the applicable agreement you have with the credit provider for full terms and conditions including charges and payment schedule.

If Camberford Law plc do not receive this payment by the date they have stated, we will cancel this insurance in accordance with the Cancellation section of this Policy. If you or others have not made a claim under this insurance, we will refund the proportionate part of your premium.

2 Contribution ConditionIf a claim is made under this Policy and there is another insurance that covers the claim, we will pay only in respect of any excess beyond the amount which would have been covered under such other insurance had this Policy not been effected.

3 Fraudulent Claim ConditionIf you make or report a claim under this Policy which is in any way fraudulent, we will(a) not pay the fraudulent claim;

(b) be entitled to refuse all claims arising after your fraud;

(c) be entitled to recover from you any payments made to you for claims which arose after your fraud;

(d) have the option to treat the contract as having been terminated at the time of the fraudulent act;

(e) not return any of the premium paid by you.

The above will apply at the point the fraudulent act is discovered by us.

ENDORSEMENTS


ENDORSEMENTS Applicable only where stated in the schedule

UN 01 Proposal Form Condition(Condition You Must Comply With To Receive Benefit Under This Policy)You must provide to us a proposal form signed and dated by you, in the format we request, and that the form is completed and sent to Camberford Law plc by 5pm local standard time on the 30th day after the start of this insurance (the “Proposal Form Deadline”).

If you have not sent the proposal form to Camberford Law plc by the proposal form deadline wewill cancel your Policy in accordance with the Cancellation section on page 12 of your document of insurance.

If the proposal form contains information that is unacceptable to us, and that we had not previously been aware of, we will treat your Policy in accordance with the Information You Have Given Ussection on page 10 of your document of insurance.

UN 02 Survey Condition (Condition You Must Comply With To Receive Benefit Under This Policy)You must permit and accommodate an inspection of the buildings by our appointed surveyor (“The Survey”). The survey must be completed by 5pm local standard time on the 60th day after the start of this insurance (“The Survey Deadline”).

Between the start of the period of insurance and the earlier of (a) the date the survey is carried out; and(b) the survey deadlinecover is provided by us on the terms and conditions specified in the Policy.

If the survey is not undertaken by the survey deadline cover ceases immediately on the survey deadline, unless otherwise agreed by us.

If the survey is undertaken by the survey deadline cover will continue from the survey deadlineuntil expiry of the period of insurance, however:

(a) If any information we become aware of from the survey is unsatisfactory to us, we have the right, within 30 days of the survey being carried out, to treat your Policy in accordance with the ‘Information You Have Given Us’ section on page 10 of your document of insurance.

(b) We retain the right to apply additional terms or request action be taken (“Risk Improvements”) by you following the survey. If you fail to carry out any one or more of the survey requirements within the timescale given by us (‘Survey Requirement Deadline’) we have the right to cancel your Policy by giving 7 days notice in writing to your address.

UN 03 Cancellation (Amended)

Cooling Off Period – 14 DaysYou are entitled to cancel this Policy by writing to Camberford Law plc within 14 days of either: the date you receive this Policy; or the start of the period of insurancewhichever is the later. This period is the ‘Cooling Off Period’.

If you cancel this Policy within the Cooling Off Period

ENDORSEMENTS


we will refund any premium you have paid less a pro rata premium for the cover you have had;

if you have not paid any premium, you must pay the pro rata charge for the cover you have had;

Cancelling outside of the Cooling Off PeriodYou can also cancel this Policy at any time after the Cooling Off Period by writing to Camberford Law plc.

If you have not made a claim we will refund any premium you have paid less a pro rata premium for the cover you have had.

If you have made a claim, we will not refund any premium you have paid.

Please refer to your schedule for details of cancellation charges that may apply.


Non payment of premium; A change in risk occurring which means that we can no longer provide you with insurance

cover; Non-cooperation or failure to supply any information or documentation we request; Threatening or abusive behaviour or the use of threatening or abusive language.

Any refund due to you, within or outside of the Cooling Off Period, will be sent to you as soon as possible following you telling us to cancel or, if applicable, us advising you that we must cancel.

UN 04 Restricted PerilsWe will not pay for loss or damage caused by the following Insured Events2. Water or oil leaking from any fixed tank, appliance or pipe;

Frost damage to fixed water tanks, apparatus or pipes.

3. Theft or attempted theft.

4. Storm or flood.

5. Vandalism or malicious damage, including riot, civil unrest, strikes or labour or political disturbances.

6. Impact by any animal, road vehicle, train, aircraft or other flying objects (including items dropped from them).

For avoidance of any doubt, Insured Events 2. To 6. of Section 1 Property Damage are deleted and not insured.

UN 05 Subsidence ExclusionWe will not pay for loss or damage caused by the following Insured Event7. Subsidence, or heave of the site on which the buildings stand or landslip.

For avoidance of any doubt, Insured Event 7. of Section 1 Property Damage is deleted and not insured.

ENDORSEMENTS


UN 06 Loss Of Rent – Extension applicable to Section 1 (Property Damage)


We will also pay for loss of rental income following damage to the buildings during the period of insurance arising from any Insured Event under Section 1 of this Policy.


We will not pay for:

more than 10% of the sum insured for buildings;

loss of rental income if you (the insured) are wound up or carried on by a liquidator or receiver or permanently discontinued;

loss of rental income that is payable to you more than 12 months after the end of the period of insurance;

loss of rental income if your interest ceases other than through death, at any time after the start of the period of insurance unless we agree otherwise.

Basis Of Settlement

We will calculate your loss or rental income as follows:

(a) the amount by which rent payable to you by tenants for accommodation and services provided by you as property owner of the buildings falls short of the rent which you would have been received had the loss or damage not occurred

and(b) additional expenditure necessarily incurred for the sole purpose of avoiding a loss of rental

income, but not exceeding the amount of the loss of rental income you would otherwise have had to pay. We will deduct from this any expenditure payable out of rent receivable which is reduced or no longer payable following the loss or damage.

In determining your loss of rental income, we will make adjustments for trend, variations or other relevant circumstances either before or after the loss or damage, so that the final figure represents as closely as possible the rent which, but for the loss or damage, would have been received by youduring the period insured.

UN 07 Storm and Flood ExclusionWe will not pay for loss or damage caused by

4. Storm or flood.


UN 08 Escape of Water, Oil and Frost Damage ExclusionWe will not pay for loss or damage caused by

2. Water or oil leaking from any fixed tank, appliance or pipe Frost damage to fixed water tanks, apparatus or pipes.


ENDORSEMENTS


UN 10 Cancellation (Amended Pro Rata)The ‘Cancellation’ section of your document of insurance is understood to be fully deleted and replaced with the following:

You can cancel this Policy at any time by writing to Camberford Law plc.

If you have not made a claim we will return any premium you have paid, agree to waive any premium you have to pay, less a pro rata premium for the cover you have had.


Non payment of premium; A change in risk occurring which means that we can no longer provide you with insurance

cover; Non-cooperation or failure to supply any information or documentation we request; Threatening or abusive behaviour or the use of threatening or abusive language.

If we cancel the Policy, will return any premium you have paid, less a pro rata premium for the cover you have had.

If you have made a claim, we will not refund any premium you have paid, regardless of whether you or we cancel the Policy.

Please refer to your schedule for details of any cancellation charges that may apply.

Any refund due to you, will be sent to you within 30 days of you telling us to cancel or, if applicable, us advising you that we must cancel.

UN 11 Loss Of Rent 20% of Buildings Sum Insured – Occupied Properties onlyContrary to Endorsement UN06 we will not pay more than 20% of the sum insured for buildings;

UN 12 Parkhome EndorsementWe agree that (a) the building is a ‘Parkhome’ and accordingly not compliant with the Definition of building(s);(b) Conditions That You Must Comply With To Receive Benefit Under This Policy 2 (g) on page

16 of your document of insurance is not applicable.

You must ensure that the sum insured for buildings represents not less than the cost at the time of repair, replacement or reinstatement of the building in the same form, size, style and condition as when new and including the costs of delivery charges; charges made by site owners; re-siting costs.

UN 13 Sealed Letterbox Condition Waiver EndorsementWe agree that Conditions That You Must Comply With To Receive Benefit Under This Policy 2 (g) on page 16 of your document of insurance is not applicable.

UN 14 Caretaker / Manned Security Condition(Condition You Must Comply With To Receive Benefit Under This Policy)A caretaker or security guard must be on duty at the premises whenever you are not there or at such other frequency or times that are agreed by us in writing.

ENDORSEMENTS

Camberford Law plc. Unoccupied Property Owners – v4 01/01/2016v4 01/01/2016 30

Documents

UNOCCUPIED PROPERTY OWNERS · Unoccupied Property Owners – v4 01/01/2016 2 ABOUT THIS DOCUMENT IMPORTANT NOTICE: There are conditions that you must comply with to receive benefit