Admiral Insurance

Insurance Product Information Document

Company: Admiral Insurance (Gibraltar) Limited Product: Admiral Buildings Home Insurance

(Admiral Insurance (Gibraltar) Limited is licensed by the Gibraltar Financial Services Commission. Incorporation
number: 85455.)

This document summarises the key features of the insurance policy for PE19 6JS. It is not tailored to individual needs and so may not provide all
the information relevant to your cover requirements. Complete pre-contractual and contractual information is provided in other documents.
What is this type of insurance?
Buildings Insurance covers damage to your garage, outbuildings, fixtures and fittings, and the main structure of your home such as walls or roof in
the event of storm, flood, fire, escape of water, or subsidence. If you would like cover for the things you keep in your home like furniture, TVs and
personal belongings in the event of theft, fire or flood or escape of water you would need to arrange Contents Insurance cover.

What is insured? What is not insured?

Buildings (Main features and benefits) Buildings (Main cover exclusions)
Unlimited rebuild cost: For any damage or loss Trace and access: There is no cover for any work
caused by events such as fire, storm, flood, theft, required to remove and replace any part of the
escape of water, malicious acts and subsidence. buildings to find the source of a leak.

Alternative accommodation: Up to £30,000 for
temporary accommodation for your family and pets if
your home is not safe to live in following an insured
event.
Replacement locks: Up to £500 if keys are lost or
stolen.
Property owner's liability: Up to £1 Million for sums
you and your family are legally liable for.
Underground services: Covering accidental damage
to underground pipes and cables bringing water, gas
and electricity to your home and sewage away from
your home.
Other Included Benefits
Unoccupancy: There is an allowance of up to 30 days
if you are not regularly residing in your property before
restrictions apply.
Optional cover
Full accidental damage: To buildings or contents
for unintentional and unforeseen incidents such as
smashing a window with a football or knocking a tin of
paint over a carpet.
Host insurance: Subject to eligibility criteria we may
be able to offer additional cover if you are renting your
property through a sharing economy platform.
Storm: Loss or damage to gates, fences and hedges.
Empty homes: Loss or damage under many sections
of your policy if your home is unfurnished or is left
unoccupied for more than 30 days.
People you know: Malicious damage, theft or
attempted theft caused by you, your family, domestic
staff, lodgers, paying guests, tenants or anybody
lawfully in the property unless force and violence has
been used to enter or exit your home.
Non-storm conditions: A storm is defined as having
strong winds in excess of 54 MPH (47 knots) that may
include heavy rain, snow or sleet. We will not pay for
loss or damage from wind, rain, snow or sleet unless
caused by storm.
Escape of water: As the result of taps being left on
(this may be covered if you have added Accidental
Damage Cover).
Pets: Loss or damage caused by chewing, scratching,
tearing or fouling by domestic pets.
Gradually operating causes: Any loss or damage
caused by anything that happens gradually including
wear and tear.

Are there any restrictions on cover?

Buildings and Contents cover
Limits: Limits apply to all sections of your policy. We will not pay more than the 'Unspecified item limit' for high risk items not listed
individually on your Home Policy Schedule. High risk items are defined in your policy booklet
Unoccupancy: The 30 days limit is reduced to 5 days between November and March unless whilst away you keep your home
constantly heated to a minimum of 12°C or your water supply is turned off at the mains and the water system is drained. If you do
not do either of these, your claim settlement could be affected.
Matching Suites: We will treat an individual item from a matching set of items as a single item. We will only pay for items that are
lost or damaged but not for the other pieces of the set or suite which are not damaged or lost.
Extra Conditions: Such as Minimum security requirements (use of your locks and security devices) may apply. If applicable, these
will appear on your policy documents. If you do not adhere to Extra Conditions it could affect your claim settlement.
Excesses: We won't cover the first portion of any claim that you agree to pay (the excess). The standard policy excess is £100,
some claim causes have a higher excess such as Subsidence and Escape of water.

Where am I covered?
We cover homes in the United Kingdom of Great Britain and Northern Ireland.
We cover pedal cycles worth up to £350 anywhere in the world if Contents Cover is purchased.
Optional cover: For personal possessions, specified bikes and specified items you have to cover away from home, we will cover you
anywhere in the world.
What are my obligations?
● You must inform us without delay if any information on your Home Proposal Confirmation or Policy Schedule is incorrect or
changes.
● You must tell us about changes to your property, its use and its occupants. Full details can be found in your policy documents.
● You must maintain your property in a good state of repair and take care to prevent any accidents, loss, damage or injury. If a loss
does occur you must take action to prevent further loss or damage if it is safe to do so.

When and how do I pay?

You can pay for your insurance with one lump sum with a debit/credit card. If eligible, you can pay in monthly instalments by Direct Debit.
Monthly instalments will apply for the duration of the policy.

When does the cover start and end?

Your cover will start at 00:00 on the 10/05/2018 and end at 00:01 on the 10/05/2019. Your policy may be renewed and payment taken unless
you contact us to stop it before the renewal date. We will contact you before your renewal date and before taking payment to confirm your
renewal terms.

How do I cancel the contract?

You can cancel at any time by calling us on 0333 220 2003 or by writing to us at Ty Admiral, David Street, Cardiff, CF10 2AA. Your
cancellation will be subject to the relevant cancellation fee.