Log Home insurance Summary

Log Home insurance Cover Summary

WHAT IS A POLICY SUMMARY?

This document provides key information about the Log Homes & Holiday Homes overseas and in the UK. Please note that it does not contain the full terms and conditions of this insurance contract; these can be found in the Homes and Holiday Homes overseas and in the UK policy wording.

If you would like a copy of the full policy wording or have any questions, please contact us or you can download it.

Policy name: Homes & Holiday Homes overseas and in the UK
Type of insurance: Buildings and contents insurance
Underwritten by: Certain underwriters at Lloyd’s

SIGNIFICANT FEATURES AND BENEFITS
The Homes & Holiday Homes overseas and in the UK policy is specifically designed for people with a holiday home abroad and in the UK.

Key benefits include:
Broader Cover
Key benefits include:
• Public liability (£5,000,000 / €7,500,000) cover
• Employers’ liability (£5,000,000 / €7,500,000) cover
• Additional accidental damage
• No inspection clauses
• Emergency travel, should you need to travel abroad to mitigate the outcome of a claim, and alternative accommodation.
• Loss of rent following a claim
• Payment by interest-free Direct Debit which is a significant saving compared to most insurers
• A sensible approach to security requirements
• Cancellation period extended from 14 to 30 days

QUESTIONS AND COMPLAINTS
If you have a question or complaint, please contact us directly using the details below:
The Managing Director
Intasure
Suffolk House
George Street
Croydon CR0 1PE
United Kingdom
Tel: +44(0)845 111 0670
Fax: +44(0) 845 111 0682
BUILDINGS SECTIONS
See Section 1 of the policy booklet for details.

BUILDINGS
Significant Features and Benefits
Cover is provided for an extensive list of perils such as fire, storm,
earthquake, flood, theft, etc. – see policy booklet.

Policy Summary
In addition cover is provided for: Any permanent structure used for domestic purposes within the ground of your home or holiday home including:
• Fixtures and fittings;
• lifts
• domestic fixed fuel tanks; including gas, LPG and oil tanks;
• Swimming pools;
• outbuildings and permanent structures;
• radio and television aerials, satellite dishes, their fittings and mast;
• wind turbines, fixed generators and solar panels;
• lakes and rivers within the boundary of the property for liability cover only.

SIGNIFICANT OR UNUSUAL EXCLUSIONS/LIMITATIONS
You will normally have to pay the initial £150/€225 for each claim. This policy excess applies to claims made on the buildings and contents section of your policy. These excesses may vary by your choice and/or underwriting criteria. Your quotation and policy schedule will show the specific excesses applicable to you.

There is a single article limit of £3000/€4,500.
Solar Panels
• No accidental damage cover is provided
• Theft cover is excluded unless the solar panels are securely mounted or fixed to the building in a non accessible position
• Theft excess is £500/€750

Swimming Pools
Storm, flood, accidental damage and escape of water is excluded in respect of swimming pool covers, filtration plant, heaters and pumps.

All communications, including the policy wordings, are written in plain English with no jargon to ensure you know exactly what is covered. Any special conditions and terms that may apply will be found in your individual quotation and schedule.

For Full details please read your Policy wordings