Buildings Insurance -
We are using a particular policy from one
insurer and you will probably find that the wording and
order that your policy comes in will be a little different.
But you should be able to translate this information across
to your cover.
These are usually explained quite well although I will comment
on who 'you' are. That is, who is covered and who is not. This
means any member of your family who lives at the address shown
in your policy. It includes unmarried partners provided there
is clear evidence of a permanent relationship.
There will be a definition about what your
building is made of. If yours does not match this, tell your
insurer immediately. An example would be if you live in a
little country cottage with a thatched roof. Failure to tell
your insurers constitutes a 'non disclosure of material fact'
and could mean that they would refuse to pay a claim.
Your buildings definition also includes all the
outside bits and pieces within your property, such as garages
walls, footpaths and so on.(How many of us enjoy swimming pools
and tennis courts!!) Don't get this definition confused with
the perils you are covered for. That is a common mistake. A
definition does not say what you are covered for. It is just a
description of your home. The definition also includes any
garages on a different site.
"Clothes were left to air in front of the fire.
Some bright spark set my cardigan alight."
|Extracts taken from actual claim
forms submitted to
a number of UK car insurance companies