Personal Belongings Insurance for Young Professionals
A Special Scheme for Non-Students in Shared &
Rented Accommodation
(underwritten by Norwich Union Insurance Ltd)
Starting from £50 for £2,500 cover now with legal
expenses & direct debit options
Area Rating Guide
Any postcode not listed below is area 1
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Area
|
Town/City
|
Postcode
|
Area
|
Town/City
|
Postcode
|
|
2
|
Birmingham
|
B1-5, 7-15, 18,21-28
|
4
|
Leicester
|
LE1-5
|
|
5
|
Birmingham
|
B6,16,17,20,29
|
5
|
Liverpool
|
L1-49
|
|
5
|
Bolton
|
BL0-9
|
5
|
London
|
ALL POSTAL DISTRICTS
|
|
5
|
Bradford
|
BD1-8
|
5
|
Manchester
|
M1-21
|
|
5
|
Bristol
|
BS7
|
4
|
Manchester
|
M22, 23, 25,30-33, 35
|
|
4
|
Bromley
|
BR1-7
|
5
|
Newcastle
|
NE1-6, 8
|
|
4
|
Cardiff
|
CF2
|
2
|
Newcastle
|
NE9-15, 20, 23,24,27-35,37-40
|
|
4
|
Coventry
|
CV1
|
4
|
Newcastle
|
NE7
|
|
5
|
Coventry
|
CV2-6, 31, 32
|
5
|
Nottingham
|
NG1, 4, 7
|
|
3
|
Croydon
|
CR0, 2-4
|
4
|
Romford
|
RM1-14
|
|
4
|
Dartford
|
DA5-8, 14-18
|
4
|
Sheffield
|
S2-6
|
|
4
|
Enfield
|
EN1-5
|
2
|
Slough
|
SL0-9
|
|
5
|
Glasgow
|
G1-5, 12
|
4
|
Southampton
|
SO14-19
|
|
2
|
Glasgow
|
G6-11, 13-23
|
5
|
Sunderland
|
SR1-2
|
|
4
|
Harrow
|
HA0-9
|
2
|
Sutton
|
SM1-6
|
|
5
|
Huddersfield
|
HD1, 2
|
5
|
Teeside
|
TS1-8
|
|
4
|
Hull
|
HU3, 5, 6, 7
|
4
|
Tonbridge
|
TN16
|
|
5
|
Ilford
|
IG1, 8, 11
|
4
|
Twickenham
|
TW1-14
|
|
2
|
Ilford
|
IG2-7, 9, 10
|
5
|
Uxbridge
|
UB1-10
|
|
4
|
Kingston
|
KT1-6, 9
|
4
|
Warrington
|
WA14, 15
|
|
5
|
Leeds
|
LS1-8
|
5
|
Wolverhampton
|
WV1-6
|
| The policy is a legal document and defines the cover
in precise terms. Read it fully on receipt: you may then, if dissatisfied,
withdraw your application without cost within 10 days [if no claim
has been made in the meantime]. This form provides an outline of
cover and the main exclusions. Specimen policy available on request.
|
| BASIC COVER - for personal belongings starting
at £2,500, plus Landlord’s property in your rooms up to £1,500,
against Fire, Theft following forcible and violent entry, Storm
and Flood within your home or other temporary place of residence
in the UK. In addition, up to £750 at any hotel or flat when accompanying
you on holiday or engaged in business travel anywhere in the world
for up to 60 days during the policy year. You will be responsible
for the first £50 of every claim. Items exceeding £300 in individual
replacement value are not covered unless specified on separate sheet,
and the maximum Sum Insured per item so specified is £2,500. We
cannot insure cash. Also damage to any property or appliance caused
by or resulting from the failure of that property or appliance or
any part of it (whether belonging to the Insured or not) correctly
to recognise or respond to any date whether occurring before during
or after the year 2000 is excluded. CDs, records & cassettes
limited to 10% of Sum Insured. The basic premium also includes:
Personal & Occupier’s Liability at Common Law up to £1,000,000
for damage due to your negligence as a private individual (excluding
liability connected with dangerous dogs or the HIV virus). Personal
Accident cover up to £1,500 for loss of limbs, or death, as a result
of injury by thieves in your room, or as a fare-paying passenger
on public transport or as a pedestrian involved in a motor accident.
Homeline Cover - a special service giving 24 hour access to free
legal advice and domestic repair contractors. The lower rates of
premium will only apply if the accommodation has a 24 hour reception
or a 24 hour warden present, e.g. company hostels, YW/YMCAs &
the like. |
| OPTIONAL EXTRAS [available only with BASIC
policy]
ALL RISKS - [for valuable items]. List any items such
as jewellery, watches, cameras, etc. to be insured separately
for Accidental Loss and Damage as well as Fire and Theft, anywhere
in the UK. The maximum cover allowed overall is £3,000 with a
single item limit of £1,000. Contact lenses, spectacles, records,
tapes & CDs cannot be insured under this section. You will
be responsible for the first £50 of any claim. Theft from vehicles
is excluded. Items should be insured for their replacement cost,
or current value if over 2 years old.
COMPUTERS Please write a description of the items you
wish to insure. Work out the total cover you will require in the
box opposite and then enter the premium in the Premium box. This
cover is for Accidental Loss and Damage as well as Fire and Theft
anywhere in the UK. Maximum cover available £5000. Single item
limit £2500. Computer accessories - maximum cover available £250.
PEDAL CYCLE - We can cover Theft or damage caused by
Attempted Theft of a bicycle [provided it is locked to an immovable
object or contained within a locked building] anywhere in the
UK. and Europe.
LEGAL EXPENSES COVER now available for employer/employee
disputes, faulty goods etc.
PERSONAL ACCIDENT/SICKNESS with weekly benefits - see
separate proposal form.
|
| CLAIMS SETTLEMENT - Provided the sums insured
are adequate, claims will be settled on a New for Old basis by replacement
where possible for items purchased new and less than two years’
old. The only exceptions are clothing, household linen and pedal
cycles where a deduction will be made for wear and tear. If a cash
settlement is requested this will be dealt with on a current value
basis allowing for depreciation.
PLEASE NOTE - Insurers and their agents share information
with each other to prevent fraudulent claims and for underwriting
purposes via the Claims and Underwriting Exchange Register, operated
by Insurance Database Services Ltd. A list of participants is
available on request. In dealing with your application, this Register
may be searched. In the event of a claim, the information you
supply on this form and the claim form, together with other information
relating to the claim, will be put on the Register and made available
to participants.
|
You are requested to keep a record [including copy letters] of all information
supplied to the Insurer for the purpose of entering into this contract.
We confirm that a copy of this proposal form will be supplied to you,
on request, within 3 months of its submission. Please keep all receipts
or other documentary evidence of ownership [such as photographs, instruction
manuals etc] as these will be required in the event of a claim.
Please complete the following :
[1] Have you sustained any losses, damage, injury or liability in
the past 5 years, whether insured or not
[2] Has the risk address been burgled in the last 5 years
to the best of your knowledge?
If the answer to either of the above questions is YES,
please supply full details separately.
[3] Please advise name of previous insurers, if none then
state none:
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IMPORTANT NOTICE -This proposal form should
be completed to the best of your knowledge and belief and all MATERIAL
FACTS should be disclosed. A material fact is one likely to influence
an insurer in the assessment and acceptance of the proposal form. If
you are in any doubt as to whether a fact is material, it should be
disclosed to the Insurer. Failure to do so could invalidate the policy.
Please make sure that the sums insured are sufficient or you may be
under-compensated in the event of a claim.
DECLARATION: I consent to the information on this form and on any
claim I may make being supplied to IDS Ltd so that it can be made available
to other insurers. I also agree that, in response to any searches you
may make in connection with this application or any claim, IDS Ltd may
supply information it has received from other insurers about other claims
I have made. I declare that this proposal shall form the basis of the
contract between me and the insurer and I will accept and abide by the
terms of the policy to be issued. By submitting this form I am confirming
my agreement to the terms and conditions of this form and to details
within. We reserve the right to ask for special terms or decline this
proposal.
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