21
E
xclusions:
Section 7
A
lternative accommodation
If your House cannot be lived in as a direct result of loss
o
r damage insured by the causes numbered 1-14 of
Section 1, Contents , We will pay up to the policy limit
shown in your latest Schedule for the following:
• the reasonable cost of comparable alternative
accommodation if this is necessary for You, Your
Household and your domestic pets
• the cost of temporary storage of the Contents
• rent which should be paid to You or by You.
We will not pay for loss or damage any costs you agree
w
ithout our permission
Section 8
Fatal accident benefit
We will pay up to the policy limit shown in your latest
Schedule if You or your husband, wife or civil partner
suffers injury, which results in your or their death within
60 days. This must be caused by any of the following:
• an accident, assault or fire in your Home
• an accident while travelling as a fare-paying
passenger by train, bus, tram or licensed taxi
• an assault in the street.
We will not pay for the following:
• injury to your husband, wife, cohabitee or civil
partner if he or she does not normally live at the
same address as You
• any incident happening outside the United Kingdom
Section 9
Personal liability and your liability as
occupier of your Home
a. Personal liability
We will pay You up to the policy limit shown in your
latest Schedule should You become personally legally
liable to pay for accidents that are not connected with
You owning or occupying your Home.
These accidents must result in:
• accidental death, bodily injury to, or illness of, any
person (but not any member of Your Household or
your employees); or
• loss of, or damage to, property.
In the same way as You are insured, We will also insure
each member of Your Household. Each will be insured
up to the policy limit for all sums which they become
legally liable to pay for accidents happening in, around
and away from your Home.
b. Your liability as occupier of your Home
We will pay You up to the policy limit shown in your
latest Schedule for all sums which You become legally
liable to pay for accidents happening in and around
your Home as a result of being the occupier of your
Home.
These accidents must result in:
• accidental death, bodily injury to, or illness of, any
We will not pay for the following:
1. Loss or damage to property which belongs to or is
in the care of:
• Your Household
• any other person who permanently lives with You, or
• any person employed by members of Your
Household.
2. Liability which happens because You, Your
Household occupy any land or building other than
Your Home.
3. Liability which happens because of your trade,
profession or employment or that of any member of
Your Household.
4. Liability which happens because You own, possess
or use the following:
• animals – however, You are insured for domestic
dogs (except those named in Section 1 (1) of the
Dangerous Dogs Act 1991 or any amending
legislation) and horses used for private hacking
• firearms – however, You are insured for shotguns or
air guns which You can legally own without
possessing a firearms certificate.
5. Liability which happens because You own, possess
or use the following:
• Motor Vehicles; or
• aircraft other than pedestrian controlled toys or
models
22
E
xclusions:
person (but not any member of Your Household or
y
our employees); or
• loss of, or damage to, property.
This is for all claims made against You or any member
o
f Your Household as a result of any one incident.
We will also pay extra costs, expenses and legal fees
necessarily incurred in defending or representing You or
any other person covered by this section in any inquiry
or proceedings relating to a liability that is covered by
this section, as long as We have agreed to do so
beforehand. Such payment is ancillary to the main cover
provided by this section.
• boats, boards and craft designed to be used on or
i
n water, other than: (i) those only propelled by oars
or paddles (ii) pedestrian controlled toys or models.
6
.
L
iability if You or any member of Your Household
passes on any contagious disease or virus.
7. Liability arising from a contract or agreement unless
the liability would have existed without that contract
or agreement
8. Deliberate or malicious acts
9. Any liability covered by any other policy.
Section 10
Domestic staff – your liability
as their employer
We will pay up to the policy limit shown in your latest
Schedule for all sums which You become legally liable
to pay following accidental death, bodily injury, illness
or disease of any person who You employ as domestic
staff and is under a contract of employment with You
and which is caused during the Period of Cover and by
the work they are employed to do. The work can be
anywhere within the United Kingdom or while travelling
with You on temporary visits overseas.
In the same way as You are insured, We will also insure
any member of Your Household who permanently lives
with You and who employs domestic help.
We will also pay extra costs, expenses and legal fees
necessarily incurred in defending or representing You or
any other person covered by this section in any inquiry
or proceedings relating to a liability that is covered by
this section, as long as We have agreed to do so
beforehand. Such payment is ancillary to the main cover
provided by this section.
Section 11
Your liability as a tenant
We will pay up to the policy limit shown in your latest
Schedule if You are legally responsible as a tenant for
damage to the property caused by:
• loss of or damage to the Building by causes
numbered 1-14 in Part A, Section 1, Buildings:
• accidental damage to:
(i)
service pipes, cables, drain inspection covers,
septic tanks and cesspits
(ii)
all fixed glass and sanitary fittings
We will not pay for the following:
• any Exclusion applicable to the relevant cause as
listed in Section 1, Buildings
• the cost of maintenance and normal decoration
• your liability for any loss or damage which happens
as soon as your Home becomes Unoccupied or
does not contain sufficient furniture for normal living
purposes.