HomeCare
Summary and Guide
Please note that this is a brief summary of the cover provided and does not constitute any evidence of insurance. A copy of the policy is available on request.
HomeCare
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Special features
- £30,000, £40,000 or £50,000 cover can be selected for home contents on a new for old basis (if £50,000 selected the higher minimum security requirement is required and must be in operation at night and when the home is unoccupied, please see guide to security)
- £5,000 for jewellery, watches, curios, works of art, silverware and collections in the home
- £3,000 of business equipment in the home
- free cover for money and credit cards up to £500
- free cover for frozen food up to £300
- free 24 hour legal and domestic helpline
- free 'Solaglas' glass replacement service
Optional extensions
- Accidental damage on contents and/or buildings
- Buildings
- Valuables away from the home
- Trailers and caravans including their fixtures and fittings Family Legal Protection up to £30,000 for legal fees
Main events covered
- loss or damage caused by fire, smoke, explosion, lightning and earthquake
- storm or flood
- sudden escape of water or oil
- riot and civil commotion
- malicious acts
- theft or attempted theft
- subsidence, heave and landslip
- impact by aircraft, vehicles or animals
- collapse of aerials or falling trees
Contents Additional cover
- accidental breakage of mirrors and fixed glass
- accidental damage to computing and audio visual equipment up to £1500
- alternative accommodation and loss of rent following a claim up to 15% of the sum insured
- replacement of title deeds up to £250
- contents temporarily removed up to 15% of the sum insured
- 10% increase in the sum insured during the Christmas period and 30 days either side of a family member's wedding
- fatal injury caused by fire or thieves compensation of £5,000 personal and occupier's legal liability up to £1,000,000
- replacement of locks if the keys are stolen up to £250
- satellite receiving equipment up to £ 1,000
- contents in the garden up to £300
Buildings - Additional cover
- accidental damage to service pipes and cables
- inflation protection by index linking
- accidental breakage of fixed glass and sanitary ware alternative accommodation following a claim up to I0% of the sum
- insured legal liability as property owner up to £1,000,000
- damage to water and heating installations by freezing
Valuables
Accidental loss of or damage to.
- Unspecified personal possessions - jewellery, watches , gold, platinum and silver articles, photographic equipment and accessories, binoculars, telescopes, calculators, personal computers, mobile telephones, musical instruments, radios, compact disc and cassette players, television receivers, video recorders, video cameras, wearing apparel, sports equipment, sports clothing and pedal cycles (limited to £500 in total, £200 any one cycle)
- Options to select £3,000, £5,000 or £10,000 with a single article limit of £750,
- £1,000 and £1,500 respectively
- Specified items above the single article limit
You will be required to pay the first £50 of each claim except in the case of subsidence, heave or landslip where you are responsible for the first £1,000.
Security
These are the minimum levels of protection which must be fitted if you live in Rating Areas 7,8, 9 or R or if you have chosen the £40,000 sum insured or the £10,000 sum insured for valuables. It may be compulsory in other cases and is recommended for all households.
External doors -5 lever mortice deadlocks or rim automatic deadlocks or fitted with top and bottom mortice or surface mounted key operated security bolts.
Patio doors -key operated security bolts top and bottom in addition to the manufacturer's lock.
Opening windows -key operated locks or security bolts on all ground floor and other accessible windows.
All locks must be put into operation and keys removed when the home is left unattended and at night except for window locks in occupied bedrooms.
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Demands and Needs
Morton Michel does not make recommendations or provide advice. The HomeCare policy has been designed to meet the demands and needs of home owners but you will need to make your own choice as to how you wish to proceed.
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