Leaseholder Home Insurance Policy schedule

The policy is stated below or you can download the original insurance pdf here.

The Insurance on the structure of your home has been arranged with Zurich Insurance plc.

Policyholder: Leaseholders as named on the policy specification

Policy number: QLA-02H086-0213

Insured premises: As detailed in the Policy Specification

Interested parties: Tamworth Borough Council and as recorded in the Policy Specification

Period of insurance:
From noon: 30 September 2024
To noon: 30 September 2025

Insured risks and excesses

Your buildings are insured against loss or damage caused by the following major events: Fire, lightning, explosion and aircraft, riot and malicious persons, earthquake, subterranean fire, storm or flood, escape of water from any tank, apparatus or pipe, impact by any road vehicle or animal, breakage or collapse of audio or visual communication apparatus, accidental breakage of fixed glass and fixed sanitaryware, accidental damage to supply pipes and cables, falling trees or branches, leakage of oil, theft or attempted theft, subsidence, ground heave or landslip, all other damage (except where excluded)

Malicious damage, theft or attempted theft and escape of water from any fixed tank are not insured if the buildings have been unoccupied for more than 30 days.

Excesses:

  • £350 excess in respect of each and every loss apart from £500 for Escape of Water and £1,000 for Subsidence

These apply to each property for each and every loss.

For full details of your policy cover and all terms and conditions, please refer to the Buildings Insurance policy document.

Benefits and Limitations

 Benefit Limitation
Clearance of drains and gutters where required after a loss - where you are legally liable  Included within the building sum insured 
Professional, demolition or local authority fees and expenses  Included within the building sum insured 
Alternative accommodation or rent payable by you following damage by an insured peril where you occupy the damaged property  Up to 20% of the building sum insured, as per policy wording
Lock replacement following theft of keys Up to £5,000
The costs involved in locating the source of a leak, but excluding repairing any damage to tank, apparatus, or pipework  Up to £5,000, as per policy wording
Other interested parties such as mortgagees, lenders, shared owners and leaseholders  Included in the policy wording 
Damage to your landscaped garden by the emergency services  Up to £50,000 
Legal fees following occupation by squatters  Up to £10,000 
Liability to others under the Defective Premises Act 1972  Up to £2,000,000 

What is not insured 

This is a summary of the major exclusions or restrictions within the policy wording. In respect of: 

1. All other damage (if cover is operative) 

There are several exclusions, so we have highlighted the main ones which are loss or damage arising from: 

  • asbestos material removal 
  • vermin, insects, dampness, erosion, scratching, wear and tear or other gradually               operating cause 
  • wet or dry rot, shrinkage, faulty workmanship, defective design or materials. 

2. Breakage or collapse of audio or visual communication apparatus 

  • Does not cover the damage to the aerial or satellite dish itself. 

3. Excess 

  • The first amount of any claim for which you are responsible - this is as shown on the schedule. 

4. General exclusions 

Loss or damage caused by: 

  • Date Related Incidents 
  • Northern Ireland Civil Commotion 
  • Nuclear and War Risks, Government or Public Authority Order 
  • Sonic Bangs 
  • Communicable Diseases. 

5. Storm or flood 

There is no cover for loss or damage caused by or to: 

  • frost, subsidence, ground heave or landslip 
  • fences, gates and hedges 
  • moveable property in the open. 
  • attributable solely to change in the water table level. 

6. Subsidence, ground heave or landslip 

There are several exclusions, we have highlighted below the main ones which are loss or damage caused by or to: 

  • coastal or river bank erosion 
  • defective materials or faulty workmanship 
  • patios, terraces, swimming pools, tennis courts, footpaths, drives, hedges, yards, car parks, roads, pavements, forecourts, walls, gates and fences unless the structure of the building is damaged at the same time. 

7. Unoccupied Properties 

If the buildings are unoccupied for more than 30 days the cover will exclude the perils of Malicious Damage, Escape of Water and Theft.

Your duty to inform us of changes to information 

You must inform the Council or other organisation who arranges the insurance on your behalf, if any information supplied in connection with this policy changes. Failure to do so may result in your insurance no longer being valid and claims not met. For example: 

  • if you have had an extension built 
  • if your home is used for any business purposes (other than clerical) 
  • if your home is no longer in a good state of repair 
  • if you have let, part let or sub-let your home to tenants 
  • if you or any person living in your home, has been convicted or received 

 

Sum insured as of 30 September 2024

As detailed in the Policy Specification.

Claims reporting

24 hour emergency repairs service please telephone 08000 159 329. 

For non-urgent incidents please call within normal office hours 0800 028 0336 or Email: farnboroughpropertyclaims@uk.zurich.com