Usure Policy summary
(This is a VERY brief summary of cover - a full
summary will be sent if you are interested)
Buildings
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Contents
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- Fire Lightning Explosion
- Riot, violent disorder, strikes, labour
disturbance or malicious people (NOT tenants)
- Malicious damage by tenant
- Theft or attempted theft
- Earthquake
- Impact by aircraft, road vehicles or animals
(not pets), falling trees, branches, telegraph poles, lamp
posts aerials or satellite dishes
- Storm, flood escape of water or oil
- Subsidence, ground heave or landslip
- Accidental breakage of sanitary fittings
- Accidental breakage of underground services
from house to public mains
- Loss of rent up to 20% of sum insured (or
reasonable additional expenses of comparable alternative
accommodation)
- Communal content - £5000
- Property owner's liability
Theft must involve forcible or violent entry |
- This policy is INDEMNITY - a deduction will
be made for wear and tear
- Fire Lightning Explosion
- Riot, violent disorder, strikes, labour
disturbance or malicious people (NOT tenants)
- Theft or attempted theft
- Earthquake
- Impact by aircraft, road vehicles or animals
(not pets), falling trees, branches, telegraph poles, lamp
posts aerials or satellite dishes
- Storm, flood escape of water or oil
- Subsidence, ground heave or landslip
Theft must involve forcible or violent entry |
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Flat roofs must be checked every 5 years
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If insuring a single flat, liability for damage to
communal areas is limited to a pro-rata amount on number of all flats
Changes to Unoccupancy Terms All
levels of cover: Property must NOT have been unoccupied for more than a
year, be inspected every 14 days (and a log kept) and be maintained in a
good condition. All levels of cover:
Any Grade listed building must be referred
U-sure have two levels of Unoccupancy Level
1: Cover for property to be sold (minimum TOR 50% and subject to referral)
OR optional cover of property bought to be let OR default cover on
property unoccupied for more than 30 days between lets (in this case you
can upgrade to level 2)
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Fire, Lightning, Explosion Earthquake
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Aircraft and other flying devices or
items dropped from them
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£250.00 excess
Level 2: Cover for property to be let out
(This quotes by default) - or you may upgrade to this level if your property
becomes unoccupied for more than 30 days between lets
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Fire, lightning, explosion or
earthquake, aircraft and other flying devices or items dropped from
them
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Storm, flood or weight of snow
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Escape of water from and frost damage
to fixed water tanks, apparatus or pipes (Central heating must be on
to maintain a temperature of 15C at all times OR water turned off at
mains otherwise this cover is excluded)
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Escape of oil from a fixed domestic
oil-fired heating installation and smoke damage caused by a fault in
any fixed domestic heating installation (Subject to central heating
condition above)
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Collision by vehicle or animal
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Breakage or collapse of fixed radio and
television aerials, satellite dishes and their fixtures and fittings
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Subsidence or heave of the site upon
which the buildings stand or landslip (Excluded if the property is
undergoing structural work or if the property is to be sold.
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£100 excess - increasing to £1,000
for subsidence heave and landslip
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Theft or attempted theft
Insurers may impose an
illegal entry condition for unoccupied property (property to be secured
and all accessible windows and post boxes have shutters or are boarded up)
Cancellation rates (subject to a possible
minimum TOR for unoccupied property and our cancellation fee). Provided
claim free.
1st year
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65% refund for months 1,2,3
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35% refund for months 4,5,6
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15% refund for months 7,8,9,10
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Nil return for months 11.12
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No refund if less than £30.00
After 1st year refunds are pro-rata.
A note about Short Period Policies,
Usure offer short period policies for unoccupied property
as quoted BUT there is no cancellation refund. you should consider taking
an annual policy and then cancelling it when the property is sold.
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