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Usure Policy summary

(This is a VERY brief summary of cover - a full summary will be sent if you are interested)

Buildings

Contents

  • 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

  • Flat roofs must be checked every 5 years

  • 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)

  • Fire, Lightning, Explosion Earthquake

  • Aircraft and other flying devices or items dropped from them

  • 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

  • Fire, lightning, explosion or earthquake, aircraft and other flying devices or items dropped from them

  • Storm, flood or weight of snow

  • 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)

  • 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)

  • Collision by vehicle or animal

  • Breakage or collapse of fixed radio and television aerials, satellite dishes and their fixtures and fittings

  • 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.

  • 100 excess - increasing to 1,000 for subsidence heave and landslip

  • 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

  • 65% refund for months 1,2,3

  • 35% refund for months 4,5,6

  • 15% refund for months 7,8,9,10

  • Nil return for months 11.12

  • 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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cancellation, liability