YOURPOLICYDOCUMENT

StaticHolidayHomePolicy

Freephone:0800614849

www.coastinsurance.co.uk

ThissectionisadministeredbyParkHomeInsuranceServicesLtd,tradingasCoastunderabindingauthorityagreementwithBritSyndicate2987atLloyd’s(BSL)(writtenunderuniquemarketreferenceB0356JJ548F16A000orreplacementthereof).BSL’sliabilityisseveralanditisliableforitsproportionofliabilityandhasnoliabilityforanyotherinsurers’proportion.ParkHomeInsuranceServicesLtdisauthorisedandregulatedbytheFinancialConductAuthority(firmreferencenumber306716)andisauthorisedtoadministerthissectiononbehalfofBSL.BSLismanagedbyBritSyndicatesLimitedwhichisauthorisedbythePrudentialRegulationAuthorityandregulatedbytheFinancialConductAuthority,registrationnumber204930.ThiscanbecheckedbyvisitingtheFCAwebsiteatwww.fca.org.uk.IntroductionItisimportantthatyoureadthepolicytoensurethatitprovidesthecoveryourequire.Ifthereisanythinginitthatyouareunsureabout,pleasecontact:Coast,HelixHouse,HighStreet,Wadhurst,EastSussex,TN56AA.Tel:0800614849oremail:info@coastinsurance.co.ukTheStaticHolidayHome,ContentsandPersonalEffectsandFamilyLegalSolutionssectionsareunderwrittenbyBritSyndicate2987atLloyd’s.TheStaticHolidayHome,ContentsandPersonalEffectssectionsareadministeredbyCoast.TheFamilyLegalSolutionssectionofthispolicyisadministeredbyARAGplc.YourCancellationRightsYouhavetherighttocancelyourpolicyatanytime;todosoyoumustletCoastknowusingthecontactdetailsabove.Anypotentialrefundwillbecalculatedasfollows:Forcancellationinstructionsreceivedwithin14daysofpolicypurchase,renewaloryoureceivingyourpolicydocuments,Wewill:• ProvideafullrefundifthePeriodofInsurancehasnotyetstarted.• RefundthepremiumfortheexactnumberofdaysleftinthecurrentPeriodofInsuranceifno

Claimshavebeenmade.• NotrefundanypartofthepremiumifaclaimhasbeenmadeinthecurrentPeriodofInsurance.

Forcancellationinstructionsreceivedafterthe14dayperioddescribedabovehaspassed,Wewill:• RefundthepremiumfortheexactnumberofdaysleftinthecurrentPeriodofInsuranceifno

claimshavebeenmadeapplyingamid-termcancellationcharge.• NotrefundanypartofthepremiumifaclaimhasbeenmadeinthecurrentPeriodofInsurance.DataProtectionYoushouldunderstandthatanyinformationyouhaveprovidedwillbeprocessedbyUsincompliancewiththeprovisionsoftheDataProtectionAct1988,forthepurposesofprovidinginsuranceandhandlingclaimsorcomplaints,ifany,whichmaynecessitateprovidingsuchinformationtootherparties.

INDEXTOYOURPOLICY

Page

StaticHolidayHome,Contents&PersonalEffectsSection:

ComplaintsProcedure 1-2

ImportantNotice 3

Definitions 4-5

StaticHolidayHome,ContentsandPersonalEffects 6-9

GeneralExclusionsapplicabletothissectionofthePolicy 10-11

GeneralConditionsapplicabletothissectionofthePolicy 12-14

HowtomakeaClaim 15

FamilyLegalSolutionsSection:

Definitions 16-18

Cover 18-21

WhatisnotinsuredbytheLegalExpensesPolicy 22

ConditionsapplicabletothewholeoftheLegalExpensesPolicy 23-24

ComplaintsProcedure 25-26

HowtomakeaClaim 27

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COMPLAINTSPROCEDURE(StaticHolidayHome,Contents&PersonalEffectsSection)

Ouraimisalwaystogiveyouthehighestlevelofservicebutshouldyouatanytimebecomedissatisfiedpleaseseebelow.Coast’sCommitmenttoCustomerServiceCoastvaluetheopportunitytolookintoanyconcernsyoumayhavewiththeserviceprovidedandarecommittedtodealingwithallcomplaintsfairly,consistentlyandpromptly.WhotoContactintheFirstInstanceManyconcernscanberesolvedstraightaway,therefore,pleasegetintouchwithCoastastheywillgenerallybeabletoprovideyouwithanimmediateresponsetoyoursatisfaction.Coast’scontactdetailsareprovidedbelow:ComplianceManager,Coast,HelixHouse,HighStreet,Wadhurst,EastSussexTN56AA.Youcantelephoneon0800614849(freefromlandlinesandmobiles)ore-mail:info@coastinsurance.co.uk.Ifyourcomplaintcannotberesolvedstraightaway,orintheeventthatyouremaindissatisfiedyoucanreferthemattertoPolicyholderandMarketAssistanceatLloyd's.Thecontactdetailsare:PolicyholderandMarketAssistance,MarketServices,Lloyd’s,FidentiaHouse,WalterBurkeWay,ChathamMaritime,KentME44RN.Youcantelephoneon02073275693,facsimileon02073275225ore-mail:complaints@lloyds.com.TheFinancialOmbudsmanServiceIfLloyd’sareunabletoresolveyourcomplainttoyoursatisfactionwithineightweeks,orifyouremaindissatisfiedfollowingreceiptofCoast’sfinalresponseletter,youcanasktheFinancialOmbudsmanServicetoformallyreviewyourcase.Shouldyoudecidetodothis,youmustcontacttheFinancialOmbudsmanServicewithinsixmonthsofCoast’sfinalresponse.TheFinancialOmbudsmanServicecontactdetailsareasfollows:FinancialOmbudsmanService,ExchangeTower,HarbourExchangeSquare,LondonE149SR.Youcantelephoneforfreeon08000234567,ore-mail:complaint.info@financial-ombudsman.org.uk.WhilstWeandCoastareboundbythedecisionoftheFinancialOmbudsmanService,youarenot.Followingthecomplaintsproceduredoesnotaffectyourlegalrights.

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ComplaintProcedureLeafletAleafletcontainingfulldetailsofthecomplaintprocedurewillbeprovidedduringthecomplainthandlingprocessandisavailableonrequest.CompensationBritSyndicate2987atLloyd’siscoveredbytheFinancialServicesCompensationScheme(FSCS)whichmeansthatyoumaybeentitledtocompensationifWeareunabletomeetOurobligationstoyou.Furtherinformationisavailableatwww.fscs.org.ukorbycontactingtheFSCSdirectlyon08006781100.TelephoneCallRecordingForourjointprotectiontelephonecallsmayberecordedand/ormonitored.

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STATICHOLIDAYHOMEINSURANCEPOLICY–IMPORTANTNOTICE(StaticHome,Contents&PersonalEffectsSection)

Thispolicyisanagreementbetweenyou(thepersonshowninyourscheduleastheInsured)andUs(BritSyndicate2987atLloyd’s).Youmustreadthispolicytogetherwithyourscheduleandanyspecificationsorendorsementsasonecontract.Pleasereadallofthemtomakesurethattheyprovidethecoveryouaskedfor.Iftheydonot,pleasecontactCoastassoonaspossible.Wewillinsureyouagainstloss,damageorlegalliabilitywhichmayoccurduringtheperiodofinsuranceinaccordancewiththeSectionsspecifiedintheschedulesubjecttotheexclusions,conditionsandendorsementsofthepolicyinreturnforpaymentbyyouofthepremium.InformationYouHaveGivenUsIndecidingtoacceptthispolicyandinsettingthetermsandpremium,WehavereliedontheinformationyouhavegivenUs.YoumusttakecarewhenansweringanyquestionsWeaskbyensuringthatallinformationprovidedisaccurateandcomplete.IfWeestablishthatyoudeliberatelyorrecklesslyprovidedUswithfalseormisleadinginformationWewilltreatthispolicyasifitneverexistedanddeclineallclaims.IfWeestablishthatyoucarelesslyprovidedUswithfalseormisleadinginformationitcouldadverselyaffectyourpolicyandanyclaim.Forexample,Wemay:• treatthispolicyasifithadneverexistedandrefusetopayallclaimsandreturnthepremium

paid.WewillonlydothisifWeprovidedyouwithinsurancecoverwhichWewouldnototherwisehaveoffered;

• amendthetermsofyourinsurance.Wemayapplytheseamendedtermsasiftheywerealreadyinplaceifaclaimhasbeenadverselyimpactedbyyourcarelessness;

• reducetheamountWepayonaclaimintheproportionthepremiumyouhavepaidbearstothepremiumWewouldhavechargedyou;or

• cancelyourpolicyinaccordancewiththerighttocancelconditionbelow.WeorCoastwillwritetoyouifWe:• intendtotreatyourpolicyasifitneverexisted;or• needtoamendthetermsofyourpolicy.IfyoubecomeawarethattheinformationyouhavegivenUsisinaccurate,youmustinformCoastassoonaspracticable.ChoiceofLawYourpolicyisgovernedbythelawthatappliestowhereyouresidewithintheUnitedKingdom.Ifthereisanydisagreementaboutwhichlawapplies,Englishlawwillapply.UseofLanguageUnlessotherwiseagreed,thecontractualtermsandconditionsandotherinformationrelatingtothiscontractwillbeinEnglish.

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DEFINITIONS(StaticHolidayHome,Contents&PersonalEffectsSection)

Yourpolicyprovidescoverforthesectionsandtheperiodofinsuranceshowninyourschedule.CertainwordshavespecificmeaningswhentheyappearintheStaticHolidayHome,ContentsandPersonalEffectssectionofthispolicy.Thesemeaningsareshownbeloworinthesectionwheretheyapply.Theyareprintedinboldtype.

BodilyInjury Physicalinjurywhichisthesoleanddirectresultofaccidentalviolentandvisiblemeans.

ContentsandPersonalEffects

Articlesofpersonaluseoradornment,clothing,luggageandgeneralhouseholdgoods,includingtelevisionsets,radios,videoorDVDrecorders,computersandhi-fisystemswhilstcontainedwithintheStaticHolidayHomeand/oradjacentlockedstorageandbelongtoyouoryourFamily.

Excess Thefirstamountofanyclaimforwhichyouareresponsible.

Family Yourhusband,wifeorpartner,childrenorrelatives.

HolidayLetting TheStaticHolidayHomeisletforuse(whethercommerciallyletorotherwise)tomembersofthepublicoutsideofyourFamilyandfriendsand/orpaymentisreceivedforuseoftheStaticHolidayHome,includingadvertisedlettings,forcommercialgain.

LossofSight Permanentandtotalphysicallossofsight.

• LossofSightinbotheyeswillbesaidtohaveoccurredifyournameisaddedtotheRegisterofBlindPersonsontheauthorityofafullyqualifiedophthalmicspecialist.

• LossofSightinoneeyewillbesaidtohaveoccurrediftheremainingsight,afterthecorrectionis3/60orlessontheSnellenscale.

Permanent Lastingorlikelytolastindefinitely.

PermanentTotalDisablement

Disablementwhichwillentirelypreventyoufromengaginginanyoccupationofanyandeverytypeanddescription,fortheremainderofyourlifewithouthopeofrecovery.

PrivateUse PrivateuseoftheStaticHolidayHomebyyou,yourFamilyandfriendsonanon-profitbasiswithnoadvertisedlettingsandfornocommercialgain.Wherepaymentisreceivedfortheuseofgas,electricity,water,etcthisisacceptablebutifthepaymentincludestheuseoftheStaticHolidayHomethenitmustbeinsuredforHolidayLetting.

Residential TheStaticHolidayHomeisoccupiedbyyouandyourFamilyasapermanentresidenceonasitelicencedforresidentialuse.

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StaticHolidayHome TheStaticHolidayHomeownedbyyou,andshowninyourscheduleincludingitsfixturesandfittingsandbuilt-inequipmentincludingrefrigerators,microwaves,cookers,gasbottles,awnings,steps,balconies,decking,fires,boilers,showers,waterheaters,batteriesandgenerators.

UseoftheStaticHolidayHome

YourpolicyschedulewillshowthetypeofuseyouhaveselectedfortheStaticHolidayHomeinsured.YoumusttellUsifanyoftheinformation(includingthetypeofuse)onwhichtheinsuranceisbasedchanges–seeGeneralCondition7.

Valuables Anyarticleofgold,silverorotherpreciousmetal,jewellery,watches,furs,picturesorotherworksofart,collectionsofstampsorcoins.Pleasenote,areceiptorcopyvaluationnotmorethantwoyearsoldmayberequiredintheeventofaclaim.

We/Us/Our BritSyndicate2987atLloyd’s.

ThefollowingdefinedtermsareusedintheExclusions:Money Cash,cheques,postormoneyorders,postagestamps,savingsstamps,

savingscertificatesorbonds,traveltickets,luncheonvouchers,phonecards,mobilephonevouchers,rewardvouchersorgifttokensallheldforpersonalorcharitablepurposes.

VehiclesandCraft Anyelectricallyormechanicallypoweredvehicles,caravans,trailers,watercraftincludingsurfboards,landwindsurfingvehicles,hovercraft,aircraft,all-terrainvehiclesorquadbikes(butnotdomesticgardeningequipment,battery-operatedgolftrolleysorwheelchairs,batteryorpedestrianoperatedmodelsortoys).

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STATICHOLIDAYHOME,CONTENTSANDPERSONALEFFECTSSECTION

Events1. Wecoveruptothesuminsuredstatedin

theschedule,anywhereintheUnitedKingdom,suddenandunexpectedlossoforphysicaldamagetotheStaticHolidayHomeandtoitsContentsandPersonalEffectsduringtheperiodofinsurance.

Wewillnotpayfor:a) Money,credit,debitorchargecards;b) businessbooksordocuments;c) photographicequipment,binoculars,

camcorders,mobiletelephones;d) cycles,fishingrodsandaccessoriesor

outboardmotors,contactlenses,spectaclesandsportsequipment;

e) damagetotyresunlessbyvandalismorwheretherestoftheStaticHolidayHomeisdamagedatthesametime;

f) lossordamagebytheftorattemptedtheftunlessviolenceorforceareusedtobreakintooroutofyourStaticHolidayHome;

g) theftoraccidentallossfromawningsortoilettents;

h) thereplacementpartsoraccessorieswhicharefoundtobeobsoleteorunobtainable.ThemostWewillpaywillbelimitedtothelastknownlistpriceofthepartofaccessoryrequired,togetherwiththeappropriatefittingcharge;

i) theftorlossarisingfromdeception,financialloss,ortheuseofstolen,forgedorinvalidcheques,drafts,banknotes,passportsanddocumentsofanykind;

j) damagewhichoccurswhentheStaticHolidayHomeisnotsitedorconnectedtoservices.

k) chewing,tearing,foulingorscratchingby

pets;l) anylossordamageoccurringwhilstthe

StaticHolidayHomeisbeingusedforanyunlawfulpurpose;

m) theExcessshownintheschedule.

Wewillnotpaymorethan:n) £50forValuables;o) £1,500inanyoneyearofinsurancefor

televisionsets,radios,videoorDVDrecorders,computersandhi-fisystems

p) £150inanyoneyearofinsurancefordiscs,tapesandsoftwarerelatingtocassettes,compactdiscs,videosandcomputers

UnlessyourStaticHolidayHomehasbeensuitablyendorsed,Wewillnotpayfor:

q) lossordamageinrespectofanyStatic

HolidayHomewhichisemptyornotinuseduringtheperiodfrom31stOctoberuntil1stMarchinrespectofescapeofwaterfromanytankapparatusorpipeunlessthemainstopcocktotheStaticHolidayHomehasbeenturnedoffandallequipmentfullydraineddown

Orthecentralheatingsystemisleftonataminimumof15degreesCentigradeatalltimes

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ExtraCover

2. Repairs–WewillpaythereasonablecostoftakingyourStaticHolidayHometothenearestcompetentrepairerandreturningittotheriskaddresswhentherepairsarecomplete.

3. Connectiontoservices–wheretheStaticHolidayHomeisconnectedtoservicesWewillpaythereasonablecostofdisconnectionandreconnectionofserviceswhentheStaticHolidayHomeisremovedforrepair.

4. Siteclearance–Wewillpayuptotheamountshowninthescheduleforsiteclearanceandremovalofdebrisforwhichyouareresponsible.

5. Groundrent–Wewillpayupto£2,500forgroundrentpayablewhentheStaticHolidayHomeisrendereduninhabitableasaresultoflossordamagecoveredbythepolicy.

6. Professionalfeesandothercosts–Wewillpayupto£2,500foranyfeespayabletothesiteownerwhicharespecifiedinawrittencontractandwhicharesolelyinconnectionwiththerebuildingoftheStaticHolidayHome.

7. Services–Wewillpayupto£3,000foraccidentaldamagetogas,waterpipes,drains,sewage,telephoneandelectricitycablesfromtheStaticHolidayHometothemainsforwhichyouareresponsible.

8. Storage–Wewillpayupto£1,000forsuddenandunexpectedlossoforphysicaldamagetothestructureofanyadjacentlockedstoreandContentsandPersonalEffectscontainedinit.

9. Frozenfood–Wewillpayupto£100toreplacefoodanddrinkinyourfridgeorfreezer,whichmustbelessthan10yearsold,thatyoucannotusefollowingthebreakdownoftheapplianceorthefailureofthepowersupply,butnotifthiswascausedbythedeliberateactofthesupplyauthority.

10. Replacinglocks–Wewillpayupto£250forreplacinglockstoyourStaticHolidayHomeifyouloseyourStaticHolidayHomekeysanywhereintheworld.

11. Yourliabilitytoothers–WecoveryouoryourFamilyoranyotherpersonusingtheStaticHolidayHomewithyourpermissionforanylegalliabilityasowneroroccupieroftheStaticHolidayHometocompensateothersif,followinganaccidentduringtheperiodofinsurance,someonedies,isinjured,fallsillsorhastheirpropertydamaged.

ThemostWewillpayforanyclaim(orclaims)arisingfromonecause,includinglegalcostsandexpensesagreedbyus,is£5,000,000.

Wewillnotpayiftheliabilityarisesfrom:

• death,injuryorillnessofyouoryourFamily;

• lossofordamagetoanypropertyyou,yourFamilyoryourdomesticemployeesownorthatyouortheyareresponsiblefor;

• youoryourFamilypassingonanyillnessorvirus;

• acontractthatsaysyouoryourFamilyareliableforsomethingwhichyouortheywouldnototherwisehavebeenliablefor;

• anydogdescribedintheDangerousDogsAct1991ortheDangerousDogs(NorthernIreland)Order1991;

• anyanimal(otherthanhorsesusedforprivatehacking,guidedogsorpetsthatarenormallydomesticatedintheUnitedKingdom);

• usingtheStaticHolidayHomeasapermanenthome;

• theStaticHolidayHomebeingattachedtoatowingvehicle;

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• anyliabilityinrespectofanyvehiclebeingusedforthetransportationoftheStaticHolidayHome;

• theStaticHolidayHomebeingletforhireorreward.

12. Alternativeaccommodation–iftheStaticHolidayHomeisrendereduninhabitablebylossordamagetotheStaticHolidayHomeand/orContentsandPersonalEffectsforwhichWewillpayaclaimunderthissection,Wewillpayupto£2,500for:• thenecessarycostofalternative

accommodationaslongastheStaticHolidayHomewasbeingusedforholidaypurposesatthetime.

13. Personalaccidentcover–ifyouoryourhusband,wife,partnerorchildrensufferBodilyInjurysustainedduringtheperiodofinsurancewhilstintheStaticHolidayHomeorwithintheboundariesofthepermanentsiteoftheStaticHolidayHomewhich,within24monthsofoccurring,directlyresultsinoneofthefollowingWewillpaythebenefitshown:• Death-£20,000• Totallossofuseofoneormorelimbs

-£20,000• Totallossofsightinoneorbotheyes

-£20,000• Permanenttotaldisablementfrom

anyoccupation-£20,000Ifyouoryourhusband,wifeorpartnerareaged70yearsormoreatthedateoftheBodilyInjurywhichgivesrisetoaclaimnobenefitispayable.Allbenefitsforpeopleunder16arereducedto£500.

NocoverisprovidedforBodilyInjuryyouoryourhusband,wife,partnerorchildrensufferwhilstengagedintheconstruction,erectionorinstallationoftheStaticHolidayHome.HoweverthisdoesnotexcludeBodilyInjurysufferedwhilstengagedinroutineminormaintenanceactivities.

14. Index-linked–ifyouhaveselectedNewforOldcoverWewillincreaseyourStaticHolidayHomesuminsuredannuallyatrenewalinlinewiththeHouseRebuildingCostIndexproducedbytheRoyalInstitutionofCharteredSurveyorsorsimilarindex.(ThisdoesnotapplytoContentsandPersonalEffects.)

DefectivePremisesAct1972TheDefectivePremisesAct1972imposesdutiesinconnectionwiththeprovisionofdwellingsandimposesliabilityforinjuryordamagecausedtopersonsthroughdefectsinthestateofpremises.Section3oftheDefectivePremisesAct1972(orinNorthernIrelandSection5DefectivePremisesNorthernIrelandOrder1975)extendsthedutyofcareincertaincircumstancesafterthedwellingshavebeendisposedof.ForfurtherguidancepleaseseetheOfficeofPublicSectorInformationwebsite(opsi.gov.uk)orcontacttheCitizensAdviceBureau.DangerousDogsAct1991TheDangerousDogsAct1991imposescertainrequirementsonspecifictypesofdog.Italsoplacesrequirementsinrelationtodogswhichare,asdescribedintheAct,dangerouslyoutofcontrol.ForfurtherguidancepleaseseetheOfficeofPublicSectorInformationwebsite(opsi.gov.uk)orcontacttheCitizensAdviceBureau.

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SettlingClaimsYourpolicyschedulewillshowifyouhaveselectedNewforOldorMarketValuecover,andanyExcessorlimitwhichapplies.

NewforOld• Yourchosensumsinsuredmustbe

sufficienttobuyabrandnewequivalentStaticHolidayHomeanditscontentsatthetimeoftheloss.

• WewilldecidewhethertorepairorreplacetheStaticHolidayHome.WewillreplacetheStaticHolidayHomewithanewone,ofthesamemakeandmodelornearestequivalentuptoyoursuminsured.

• WewilldecidewhethertorepairorreplaceanyitemofContentsandPersonalEffectsthatislostordamageduptoyoursuminsured.IftheycannotberepairedorreplacedWewillpaythecostofanequivalentreplacementuptoyoursuminsured.

MarketValue• Yourchosensuminsuredshouldrepresent

theamountanequivalentStaticHolidayHome(make,model,yearofmanufacture)anditscontentswouldcostatthetimeofatotalloss.

• WewilldecidewhethertorepairorreplacetheStaticHolidayHome.Ifitcannotberepairedorreplacedorisbeyondeconomicrepair,Wewillpaythemarketvalueatthetimeofthelossordamagebutnotmorethanthesuminsured.ForContentsandPersonalEffectsWewilldeductanamountforwearandtear.

NewforOldandMarketValue• ThemostWewillpayisthesuminsured

showninyourscheduleorthelimitshowninyourpolicy.

• Anyavailablediscountwillbetakenintoaccountinthesettlementamount.

• Wewillnotpaymorethanthemanufacturer’slastlistpriceforanysparepart.

• Wewilldeductanamountforwearandtearonclothingandhouseholdlinenthatcannotberepaired.

Pleasenote:• WhenWepayyourclaim,Wewilldeduct

theamountoftheExcessshowninyourschedule.NoexcessisapplicableunderExtracoveritems.

• IfWeknowyouarepayingforyourStaticHolidayHomeusingfinanceorunderaleasingagreementthenWewilldoeitherofthefollowing:1. Ifwearepayingthecostofreplacing

theStaticHolidayHomeWewillpaytheproceedsoftheclaimtothecompanywhichyouarebuyingorleasingyourStaticHolidayHomefrom.Ifyouowelessthantheproceedsofyourclaim,Wewillpayyouthedifference.

2. IfwereplacetheStaticHolidayHome,WemusthavethepermissionofthecompanyyouarebuyingorleasingyourStaticHolidayHomefrom.

Interestonanyoutstandingpaymentsisnotcovered.

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GENERALEXCLUSIONSAPPLICABLETOYOURSTATICHOLIDAYHOME,CONTENTSANDPERSONALEFFECTSSECTIONSWewillnotpayfor:

1. RadioactiveContamination/War/SonicBooms

Lossordestructionofordamagetoanypropertyoranydirectorindirectlossoranylegalliabilitydirectlyorindirectlycausedbyorcontributedtoorarisingfrom:

a) ionisingradiationsorcontaminationbyradioactivityfromanynuclearwastefromthecombustionofnuclearfuel,

b) theradioactive,toxic,explosiveorotherhazardouspropertyofanyexplosivenuclearassemblyornuclearcomponentofsuchassembly,

c) war,invasion,actofforeignenemy,hostilities(whetherwarbedeclaredornot),civilwar,rebellion,revolution,insurrectionormilitaryorusurpedpower,

d) pressurewavesfromaircraftorotheraerialdevicestravellingatsonicorsupersonicspeeds.

2. SeizureorConfiscation

LossordamagetoanypropertycausedduringseizureorconfiscationorattemptsateitherofthesebyCustomsorundertheorderofanygovernmentoranypublicorlocalauthority.

3. ExistingDamage Anylossordamageoccurringbeforethecommencementofthefirstperiodofinsurance.

4. WilfulDamage AnywilfulormaliciousdamagebyyouortheFamily.

5. LossbyDeception Anylosssufferedbyyouduetoanypersonobtainingpropertybydeception.

6. Sets/Suites Thecostofreplacinganyundamageditemorpartofanyitemsolelybecauseitformspartofaset,suiteoroneofanumberofitemsofasimilarnature,colourordesignwhenlossordamageoccurswithinaclearlydefinedareaortoaspecificpartandreplacementscannotbematched.

7. Riot/CivilCommotion

RiotorcivilcommotionoutsidetheUnitedKingdom.

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8. Terrorism Anyloss,destructionordamageoranycostorexpenseofwhatevernatureoccasionedbyorhappeningthroughorasadirectorindirectconsequenceofAct(s)ofTerrorism.ForthepurposesofthisExclusion,Act(s)ofTerrorismwillmeanloss,destructionordamagecausedby,orcontributedto,orarisingfromtheuseorthethreatofuseofanychemical,biologicalorbio-chemicalweapon,oranyothernucleardeviceorradioactivesubstancebyanypersonorgroupofpeoplewhetheractingaloneoronbehalfoforinconnectionwithanyorganisation(s)orgovernment(s)committedforpolitical,religious,ideologicalorsimilarpurposesincludingintentiontoinfluenceanygovernmentand/ortoputthepublicoranysectionofthepublicinfear.

9. GraduallyOperatingCause

Lossordamageduetoanygraduallyoperatingcauseincludingdeteriorationorwearandtear.

10. DirectorIndirectLoss

Anylosswhichhappensasanindirectresultofaneventforwhichyouareinsured.

11. Pollution Anyloss,damageorliabilityarisingfrompollutionorcontaminationunlesscausedby:

a) asuddenandunforeseenandidentifiableaccident,b) escapeofoilfromadomesticoilinstallationatthe

StaticHolidayHome.

12. CalendarDateandComputerViruses

Loss,destructionordamagecausedby:

a) thefailureofacomputerchiporcomputersoftwaretorecogniseatruecalendardate,

b) computerviruses.

13. BusinessUse Anylossordamagetoitemsusedinconnectionwithanybusiness,tradeorprofession.

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GENERALCONDITIONSAPPLICABLETOYOURSTATICHOLIDAYHOME,CONTENTSANDPERSONALEFFECTSSECTIONS1. Youmustdoallyoucantoprevent

andreduceanycosts,damage,injuryorloss.

2. YoumusttellCoastaboutanyloss,damageorliabilityassoonaspossibleandprovidealltherelevantinformationandhelpthatisneededtodealwithyourclaim.YoumustavoiddiscussingliabilitywithanyoneelsewithoutOurpermission.

3. Itisyourresponsibilitytoproveanylossandthereforeyoumaybeaskedtoprovidereceipts,valuations,photographs,instructionbookletsandguaranteecardsandanyotherrelevantinformation,documentsandassistancerequiredtohelpwithyourclaim.

4. Coastwilldecidehowtosettleordefendaclaimandmaycarryoutproceedingsinthenameofanypersoncoveredbyyourpolicy,includingproceedingsforrecoveringanyclaim.

5. Youmustreportanyloss,theft,attemptedtheftormaliciousdamagetothePoliceandobtainacrimereferencenumberwithin7daysofdiscoveryoftheincident.

6. IfyourclaimisinanywaydishonestorexaggeratedWewillnotpayanybenefitunderthispolicyorreturnanypremiumtoyouandWemaycancelyourpolicyimmediatelyandbackdatethecancellationtothedateofthefraudulentclaim.Wemayalsotakelegalactionagainstyou.

7. Ifanyclaimiscoveredbyanyotherinsurance,WewillnotpayformorethanOurshareofthatclaim.

8. Youmusttakereasonablecareto

providecompleteandaccurateanswerstothequestionsCoastasks.

9. Ifanyoftheinformationprovidedbyyouchangesafteryoupurchaseyourpolicyandduringtheperiodofinsurance,oronyourscheduleatrenewal,orbecomesuntrueorincorrect,pleaseprovideCoastwithupdateddetails.

10. Ifanyoftheinformationprovidedbyyouisnotcompleteandaccurate:a) We/Coastmaycancelyour

policyandrefusetopayanyclaim,or

b) We/Costmaynotpayanyclaiminfull,or

c) We/Coastmayrevisethepremiumand/orchangeanyExcess,or

d) theextentofthecovermaybeaffected.

Thechanges,ifacceptedbyUswillapplyfromthedateindicatedonyourupdatedschedule.Inthiscase,Wewillbeentitledtovarythepremiumandtermsfortherestoftheperiodofinsurance.

11. Coastrecommendthatyoukeeparecord(includingcopiesofletters)ofallinformationprovidedtoUs/Coastforyourfuturereference.

12. Ifyouarepayingthepremiumusingamonthlycreditfacility,youmustmaketheregularmonthlypaymentsarerequiredinthecreditagreement.Ifthecreditagreementisterminatedfornon-payment,WemaycancelthisinsuranceassetoutinGeneralCondition17.

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13. Coastwillcontactyouinwritingatleast21daysbeforeYourrenewaldateandwilleither:

a) giveyouanopportunitytorenewyourinsuranceforafurtheryearand:

i. tellyouaboutanychangesWearemakingtothetermsandconditionsofyourpolicy;

ii. reviewyourcircumstancesandconsiderwhetherthisinsurancecontinuestomeetyourneeds;

iii. checkthattheinformationyouhaveprovidedUsisstillcorrect,andprovidetheopportunityforyoutotellUsifanythinghaschanged

iv. tellyouthepriceforthenextyear

Ifyouwishtomakeanychangesatrenewal,pleasecontactCoast.

ORb) letyouknowthatWeareunable

torenewyourinsurance.Reasonswhythismayhappeninclude,butarenotlimitedtothefollowing:

i. whentheproductisnolongeravailable;or

ii. whenWearenolongerpreparedtoofferyouinsuranceforreasonssuchas:

• Wereasonablysuspectfraud,

• yourclaimshistory,• WehavechangedOur

acceptancecriteria,• youarenolongereligiblefor

cover,and/or

• whereyouhavenottakenreasonablecaretoprovidecompleteandaccurateanswerstothequestionsasked.Seethe“ImportantNotice–InformationYouHaveGivenUs”sectionwithinthisdocument.GeneralCondition10.

WhereWehaveofferedyourenewaltermsandyouselectorhaveselectedtopaybydirectdebit,youwillbenotifiedbeforeyourrenewaldatethatthepolicywillautomaticallyberenewedandtherenewalpremiumwillagainbecollectedfromyourspecifiedbankaccount.Coastwillnotautomaticallyrenewyourpolicyif:• youhavecontactedthemto

cancelyourdirectdebitarrangementssinceyoupurchasedthepolicyoryourlastrenewal;or

• theycannolongerofferyoutheirdirectdebitfacilityif,forexample,youhaveapoorpaymenthistoryoradversecredithistory.

IfeitheroftheabovehappensCoastwilladviseyouofthisinyourrenewalletterandyouwillneedtocontactCoasttomakepaymentbeforethepolicycanberenewed.

14. Acoolingoffperiod(14daysfromtherenewalofthecontractorthedateonwhichyoureceiveyourrenewaldocumentation,whicheveristhelater)applies.Pleaseread“Yourcancellationrights”inthispolicybooklet.

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15. Wemayvarythetermsofthepolicy(includingthepremium)atrenewal.IfyoudecidethatyoudonotwantUstorenewthepolicy,aslongasyoutellCoastbeforethenextrenewaldate,Wewillnotrenewit.Ourrighttorenewthispolicydoesnotaffectyourcancellationrightsshownonthefirstpageofthispolicybooklet.

16. Followingtheexpiryofyour14daystatutorycooling-offperiod,youcontinuetohavetherighttocancelyourpolicyatanytimeduringitsterm.Ifyoudoso,youwillbeentitledtoarefundifnoclaimhasbeenmadeduringthePeriodofInsuranceofthepremiumpaidinrespectofthecancelledcover,lessaproportionatedeductionforthetimeWehaveprovidedcover.Amid-termcancellationfeewillapply.Toexerciseyourrighttocancel,pleasecontact:Coast,HelixHouse,HighStreet,Wadhurst,EastSussex,TN56AA.Telephone:0800614849oremail:info@coastinsurance.co.uk.

17. We(oranyagentWeappointandwhoactswithourspecificauthority)maycancelthispolicywherethereisavalidreasonfordoingso,bysendingatleast14days’writtennoticetoyourlastknownpostand/oremailaddresssettingoutthereasonforcancellation.Validreasonsincludebutarenotlimitedtothefollowing:• Non-paymentofpremium

(includingnon-paymentofinstalmentsunderacreditfacility).Ifpremiumsorinstalmentpayment(s)arenotpaidwhendue,Coastwillwritetoyourequestingpaymentbyaspecificdate.Iftheyreceivepaymentbythedatesetoutintheletternofurtheractionwill

betaken.Iftheydonotreceivepaymentbythisdatethepolicywillbecancelledfromthecancellationdateshownontheletter.

• WhereWereasonablysuspectfraud.

• Whereyoufailtoco-operatewithUsorCoastorprovideinformationordocumentationreasonablyrequired,andthisaffectsOurabilitytoprocessaClaimordefendOurinterests.SeeGeneralCondition8inthispolicybooklet.

• Whereyouhavenottakenreasonablecaretoprovidecompleteandaccurateanswerstothequestionsasked.SeeGeneralCondition10.

IfWecancelthepolicyunderthissection,youwillbeentitledtoarefundofthepremiumpaidinrespectofthecancelledcover,lessaproportionatedeductionforthetimeWehaveprovidedsuchcoverandamid-termcancellationfee.Norefundwillbepayableifthereasonforcancellationisfraudand/orWearelegallyentitledtokeepthepremiumundertheConsumerInsurance(DisclosureandRepresentations)Act2012.Whereinvestigationsprovideevidenceoffraudoraseriousnon-disclosureWemaycancelthepolicyimmediatelyandbackdatethecancellationtothedateofthefraudorwhenyouprovidedUswithincompleteorinaccurateinformation,whichmayresultinyourpolicybeingcancelledfromthedateyouoriginallytookitout.

15

HOWTOMAKEACLAIM(STATICHOLIDAYHOME,CONTENTSANDPERSONALEFFECTSSECTION)Toreportaclaim,pleasetelephoneCoaston01892786099.Linesareopen24hoursaday,7daysaweek.Theywilltakefulldetailsofyourclaimoverthetelephone.Pleasehaveyourindividualreferencenumberavailable.Onceyourclaimhasbeensetup,pleaseforwardanyestimates,invoices,valuations,orothersupportingdocumentationtoCoastassoonaspossible.Theiraddressis:HelixHouseHighStreetWadhurstEastSussexTN56AAPleasequoteyourindividualreferencenumberonallcorrespondence.

16

FAMILYLEGALSOLUTIONSThissectionisadministeredbyARAGplcunderabindingauthorityagreementwithBritSyndicate2987atLloyd’s(BSL)(writtenunderuniquemarketreferenceB0356KA233D12A000orreplacementthereof).BSL’sliabilityisseveralanditisliableforitsproportionofliabilityinrespectofthissectiononlyandhasnoliabilityforanyotherinsurers’proportion.ARAGplcisauthorisedandregulatedbytheFinancialConductAuthority(firmreferencenumber452369)andisauthorisedtoadministerthissectiononbehalfofBSL.BSLismanagedbyBritSyndicatesLimitedwhichisauthorisedbythePrudentialRegulationAuthorityandregulatedbytheFinancialConductAuthority,registrationnumber204930.ThiscanbecheckedbyvisitingtheFCAwebsiteatwww.fca.org.uk.PleasereadthisPolicycarefullytofamiliariseyourselfwiththetermsandconditions,aswellasthe:• Legalandtaxadvicehelplinedetails

and• Theclaimreportingproceduresforthis

section

IfYouareunsureaboutanythinginthisdocumentpleasecontacttheadministrators:CoastHelixHouseHighStreetWadhurstEastSussexTN56AAYoucantelephoneon0800614849

DefinitionsCertainwordshavespecificmeaningswhentheyappearinthispolicy.Thesemeaningsareshownbeloworinthesectionwheretheyapply.Theyareprintedinboldtype.AppointedAdvisorThesolicitor,accountant,orotheradvisorappointedbyUstoactonbehalfoftheInsured.ConditionalFeeAgreementAlegallyenforceableagreementbetweentheInsuredandtheAppointedAdvisorforpayingtheirprofessionalfeesonthebasisof“no-winno-fee”.

CollectiveConditionalFeeAgreementAlegallyenforceableagreemententeredintoonacommonbasisbetweentheAppointedAdvisorandUstopaytheirprofessionalfeesonthebasisof“no-winno-fee”.

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CommunicationCostsThereasonablecostofUKphonecalls,postage(includingspecialdelivery)photocopyingorfaxesandcreditreportswheretheInsuredhastakenadvicefromOurIdentityTheftAdviceandResolutionServiceandisadvisedtocorrespondwithcreditagencies,banks,creditcardcompanies,financialserviceprovidersorotherpartiesinordertorepairtheircreditrating,restoretheiridentityorresolveadisputethathasarisenfromtheuseofpersonalinformationwithoutpermissiontocommitfraudorothercrimes.Home–YourStaticHolidayHome,asdeclaredinYourproposalforinsurance.Insured–You,YourpartnerandimmediatefamilypermanentlylivingwithYouintheUK.(TheInsurerwillcoverYourchildrentemporarilyawayfromhomeforthepurposesofhighereducation.)Insurer–BritSyndicate2987atLloyd’s(writtenunderuniquemarketreferenceB0356KA233D12A000orreplacementthereof).LegalCostsandExpensesReasonablelegalcostsanddisbursementsreasonablyandproportionatelyincurredbytheAppointedAdvisoronthestandardbasisandagreedinadvancebyUs.Theterm“standardbasis”canbefoundwithintheCourts’CivilProcedureRulesPart44.Reasonableexperts’reports,reasonablyandproperlyincurredbytheAppointedAdvisor.Incivilclaims,otherside’scosts,feesanddisbursementswheretheInsuredhasbeenorderedtopaythemorpaysthemwithOuragreement.

ReasonableaccountancyfeesreasonablyincurredunderINSUREDEVENT6TAXbytheAppointedAdvisorandagreedbyUsinadvance.TheInsured’sCommunicationCosts.LimitofIndemnity–£50,000whichisthemaximumLegalCostsandExpensespayablebytheInsurerinrespectofallclaimsrelatedbytimeororiginalcause.PeriodofInsurance–TheperiodasshownintheScheduletowhichthisPolicyattaches.ReasonableProspectsofSuccessOtherthanassetoutin2.and3.below,agreaterthan50%chanceoftheInsuredsuccessfullypursuingordefendingtheclaimand,iftheInsuredisseekingdamagesorcompensation,agreaterthan50%chanceofenforcinganyjudgmentthatmightbeobtained.IncriminalprosecutionclaimswheretheInsuredpleadsguilty,agreaterthan50%chanceofsuccessfullyreducinganysentenceorfineorpleadsnotguilty,agreaterthan50%chanceofthatpleabeingacceptedbythecourt.Inallclaimsinvolvinganappeal,agreaterthan50%chanceoftheInsuredbeingsuccessful.ResidentialPropertyTribunalAResidentialPropertyTribunalasdefinedbySection2oftheMobileHomesAct1983(JurisdictionofResidentialPropertyTribunals)(England)Order2011.

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SmallClaimsCourt–AcourtinEnglandandWalesthathearsaclaimfallingunderthesmallclaimstrackintheCountyCourtasdefinedbySection26.6(1)oftheCivilProcedureRules1999;acourtinScotlandthatusesthesmallclaimsprocedureassetoutbytheActofSederunt(SmallClaims)Rules2002,acourtinNorthernIrelandwherethesumindisputeislessthan£3,000ortheequivalentjurisdictionintheChannelIslandsandIsleofManwherethepolicyapplies.TerritorialLimits–ForINSUREDEVENTS2CONTRACTand4PERSONALINJURYtheUnitedKingdom,ChannelIslands,IsleofMan,countriesintheEuropeanUnion,NorwayandSwitzerland.ForallotherINSUREDEVENTS,theUnitedKingdom,ChannelIslandsandIsleofMan.We/Us/Our–ARAGplcwhoisauthorisedunderabindingauthorityagreementonbehalfoftheInsurer,BritSyndicate2987atLloyd’s.You/Your–Theperson(s)namedintheScheduletowhichthispolicyattaches.

YOURPOLICYCOVERFollowinganEventtheInsurerwillpaytheInsured’sLegalCostsandExpensesandCommunicationCostsupto£50,000,forallclaimsrelatedbytimeorcause,includingthecostofappealsprovidedthat:1. Youhavepaidtheinsurancepremium2. theInsuredkeepstothetermsofthis

policyandco-operatesfullywithUs3. theEventoccurswithintheTerritorial

Limit4. theclaim:

• alwayshasReasonableProspectsofSuccess

• isreportedtoUs• isduringthePeriodofInsurance• isreportedtoUsassoonasthe

Insuredfirstbecomesawareofcircumstanceswhichcouldgiverisetoaclaim

5. unlessthereisaconflictofinteresttheInsuredalwaysagreestousetheAppointedAdvisorchosenbyUsinanyclaima. tobeheardbytheSmallClaims

Courtand/orb. beforeproceedingshavebeenor

needtobeissued6. anydisputewillbedealtwithbya

courttribunal,AdvisoryConciliationandArbitrationServiceorarelevantregulatoryorlicensingbody;ormediationagreedwithUs

AclaimisconsideredtobereportedtoUswhenWehavereceivedtheInsured’sfullycompletedclaimform.

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EVENTSCOVERED1. EMPLOYMENTAdisputewiththeInsured’scurrent,formerorprospectiveemployerrelatingtotheircontractofemploymentorrelatedlegalrights.Aclaimcanbebroughtonceallinternaldismissal,disciplinaryandgrievanceproceduresassetoutinthe:a. ACASCodeofPracticeforDisciplinary

andGrievanceProcedures,orb. LabourRelationsAgencyCodeof

PracticeonDisciplinaryandGrievanceProceduresinNorthernIrelandhavebeenoroughttohavebeenconcluded

TheInsuredisrequiredtoco-operatefullywithACASregardingmediationandnotdoanythingthathindersasuccessfuloutcome.WheretheInsuredqualifiestohaveallorpartoftheemploymenttribunaloremploymentappealtribunalfeesrefundedorreduced,anapplicationforthisrefundorreductionmustbemadebytheInsuredtoHMCourts&TribunalsService.WhatisnotinsuredunderEvent1:Anyclaimrelatingto:1. disputesarisingsolelyfrompersonal

injury2. defendingtheInsuredotherthan

defendinganappeal3. LegalCostsandExpensesforan

employer’sinternaldisciplinaryprocessoranemployee’sgrievancehearingorappeal

4. feesthatarerecoverablefromanemployerorex-employerbyorderofthecourtorwheretheInsuredqualifiestohaveallorpartofthefeesrefundedorreducedbyHMCourts&TribunalsService

5. acompromiseorsettlementagreementbetweentheInsuredandtheiremployer.WewillbeabletohelptheInsuredfindasuitablesolicitorwhowillassisttheInsuredwiththisattheirownexpense

2. CONTRACTAdisputearisingoutofanagreementorallegedagreementwhichhasbeenenteredintobytheInsuredfor:a. buyingorhiringconsumergoodsor

servicesb. privatelysellinggoodsc. buyingorsellingYourmainHomed. rentingYourmainHomeasatenante. theoccupationofYourmainHome

underaleaseWhatisnotinsuredunderEvent2:Anyclaimrelatingto:1. disputeswithtenantsorwherethe

Insuredisthelandlordorlessor2. loans,mortgages,pensions,orany

otherbanking,lifeorlong-terminsuranceproducts,savingsorinvestments

3. theInsured’sbusinessactivities,trade,ventureforgain,professionoremployment

4. acontractinvolvingamotorvehicle5. asettlementdueunderaninsurance

policy6. constructionwork,ordesigning,

convertingorextendinganybuildingwherethecontractvalueexceeds£6,000includingVAT

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3. PROPERTY3.1 Adisputerelatingtovisibleproperty

whichtheInsuredownsfollowing:a. aneventwhichcausesphysical

damagetotheInsured’svisiblepropertyincludingYourmainHome

b. apublicorprivatenuisanceortrespassprovidedthatwhereanyboundaryisindispute,Youhaveproofofwheretheboundarylies

3.2 AdisputewithYourlandlordorsiteownerarisingoutofYouroccupationofYourHome

WhatisnotinsuredunderEvent3:1. Thefirst£250ofanyclaimunder

INSUREDEVENT3b).ThisispayablebytheInsuredassoonasWeaccepttheclaim

2. Anyclaimrelatingto:a. acontractenteredintobyan

Insured(exceptunder3.2above)b. anybuildingorlandotherthan

YourmainHomec. amotorvehicled. thecompulsorypurchaseof,or

demolition,restrictions,controlsorpermissionsplacedonYourpropertybyanygovernment,localorpublicauthority

e. defendinganydisputeunderINSUREDEVENT3a)otherthandefendingacounterclaimoranappeal

f. adisputewithanypartotherthantheperson(s)whocausedthedamage,nuisanceortrespass

4. PERSONALINJURYAsuddeneventdirectlycausingtheInsuredphysicalbodilyinjuryordeath.WhatisnotinsuredunderEvent4:Anyclaimrelatingto:1. acondition,illnessordiseasewhich

developsgraduallyovertime2. mentalinjury,nervousshock,

depressionorpsychologicalsymptomswheretheInsuredhasnotsustainedphysicalinjurytotheirbody

3. defendinganydisputeotherthananappeal

5. CLINICALNEGLIGENCEAdisputearisingfromallegedclinicalnegligenceormalpractice.WhatisnotinsuredunderEvent5:1. Anyclaimrelatingtocontractdispute.

Defendinganydisputeotherthananappeal.

6. TAXAformalaspectorfullenquiryintotheInsured’spersonaltaxaffairsprovidedthatallreturnsarecompleteandhavebeensubmittedwithinthelegaltimescalespermitted.

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WhatisnotinsuredunderEvent6:Anyclaimrelatingto:1. taxreturnswhereHMRevenue&

Customslevyapenaltyorclaiminterestorwhichcontainnegligentmisstatements

2. abusinessorventureforgainoftheInsured

3. wheretheDisclosureofTaxAvoidanceSchemeRegulationsapplyorshouldapplytotheInsured’sfinancialarrangements

4. anyenquirythatconcernsassets,moniesorwealthoutsideofGreatBritainandNorthernIreland

5. aninvestigationbytheSpecialistInvestigations(SI)BranchofHMRevenue&Customs

7. LEGALDEFENCEa. Work

AnallegedactoromissionoftheInsuredthatarisesfromtheirworkasanemployeeandresultsin:i) theInsuredbeinginterviewedby

thepoliceorotherswiththepowertoprosecute

ii) aprosecutionbeingbroughtagainsttheInsuredinacourtofcriminaljurisdiction

iii) civilproceedingsbeingbroughtagainsttheInsuredunderunfairdiscriminationlaws

b. MotorAmotoringprosecutionbeingbroughtagainsttheInsured

c. OtherAformalinvestigationordisciplinaryhearingbeingbroughtagainsttheInsuredbyaprofessionalorregulatorybody

WhatisnotcoveredunderEvent7:Anyclaimrelatingto:1. owningavehicleordrivingwithout

motorinsuranceordrivingwithoutavaliddrivinglicence

2. aparkingoffence8. LOSSOFEARNINGSTheInsured’sabsencefromworktoattendcourt,tribunal,arbitrationorregulatoryproceedingsattherequestoftheAppointedAdvisororwhilstonjuryservicewhichresultsinlossofearningsWhatisnotcoveredunderEvent8:1. Lossofearningsinexcessof£1,0002. Anysumwhichcanberecoveredfrom

thecourtortribunal9. IDENTITYTHEFTAdisputearisingfromtheuseoftheInsured’spersonalinformationwithouttheirpermissiontocommitfraudorothercrimesprovidedtheInsuredcontactsOurIdentityTheftAdviceandResolutionServiceassoonastheysuspectthattheiridentitymayhavebeenstolenWhatisnotcoveredunderEvent9:TheInsurerwillnotpayforanymoneyclaimed,goods,loans,orotherpropertyorfinanciallossorotherbenefitobtainedasaresultoftheidentitytheft

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WHATISNOTINSUREDBYTHELEGALEXPENSESSECTIONOFTHEPOLICYYouarenotcoveredforanyclaimarisingfromorrelatingto:1. LegalCostsandExpensesand

CommunicationCostsincurredwithoutOurconsent

2. anyactualorallegedactoromissionordisputehappeningbefore,orexistingatthestartofthepolicyandwhichtheInsuredbelievedoroughtreasonablytohavebelievedcouldleadtoaclaimunderthispolicy

3. anamountbelow£1004. anallegationagainsttheInsured

involving:• assault,violenceordishonesty,

maliciousfalsehoodordefamation• themanufacture,dealinginoruse

ofalcohol,illegaldrugs,indecentorobscenematerials

• illegalimmigration• offencesunderPart7ofthe

ProceedsofCrimeAct2002(moneylaunderingoffences)

5. adisputebetweenYourfamilymembers

6. anInsured’sdeliberateorrecklessact7. ajudicialreview8. adisputearisingfromorrelatingto

clinicalnegligenceexceptasprovidedforinINSUREDEVENT5CLINICALNEGLIGENCE

9. adisputewithUsnotdealtwithunderCondition7,ortheInsurerorthecompanythatsoldthispolicy

10. a. ionisingradiationsor

contaminationbyradioactivityfromanynuclearfuelorfromanynuclearwasteorfromthecombustionofnuclearfuel

b. radioactive,toxic,explosiveor

otherhazardouspropertiesofanyexplosivenuclearassemblyornuclearcomponentthereof

c. war,invasion,actofforeignenemyhostilities(whetherwarisdeclaredornot),civilwar,rebellion,revolution,insurrectionormilitaryorusurpedpower

d. pressurewavesfromaircraftorotheraerialdevicestravellingatsonicorsupersonicspeed

e. anyterroristaction(regardlessofanyothercauseoreventcontributingconcurrentlyorinanyothersequencetotheliability)oranyactiontakenincontrolling,preventingorsuppressingterroristaction.IftheInsurerallegesthatbyreasonofthisexclusionanyliabilityorlossisnotcoveredbythispolicy,theburdenofprovingthecontraryshallbeupontheInsured

11. agrouplitigationorder12. thepaymentoffines,penaltiesor

compensationawardedagainsttheInsured

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CONDITIONSWHICHAPPLYTOTHELEGALEXPENSESSECTIONOFTHEPOLICYWheretheInsurer’sriskisaffectedbytheInsured’sfailuretokeeptotheseconditionstheInsurercancancelYourpolicy,refuseaclaimorwithdrawfromanon-goingclaim.TheInsureralsoreservestherighttorecoverLegalCostsandExpensesfromtheInsuredifthishappens.1. TheInsured’sResponsibilitiesAnInsuredmust:

a. tellUsimmediatelyofanythingthatmaymakeitmorecostlyordifficultfortheAppointedAdvisortoresolvetheclaimintheInsured’sfavour

b. cooperatefullywithUs,givetheAppointedAdvisoranyinstructionsWerequire,andkeepthemupdatedwithprogressoftheclaimandnothinderthem

c. takereasonablestepstoclaimbackLegalCostsandExpenses,CommunicationCosts,employmenttribunalandemploymentappealtribunalfeesand,whererecovered,paythemtotheInsurer

d. keepLegalCostsandExpensesandCommunicationCostsaslowaspossible

e. allowtheInsureratanytimetotakeoverandconductintheInsured’sname,anyclaim

2. FreedomtochooseanAppointedAdvisora. Incertaincircumstancesassetout

in2b)belowtheInsuredmaychooseanAppointedAdvisor.InallothercasesnosuchrightexistsandWeshallchoosetheAppointedAdvisor

b. TheInsuredmaychooseanAppointedAdvisorif:• Weagreetostartproceedings

orproceedingsareissuedagainstanInsured,or

• thereisaconflictofinterest,

exceptwheretheInsured’sclaimistobedealtwithbytheSmallClaimsCourtwhereWeshallchoosetheAppointedAdvisor

c. WheretheInsuredwishestoexercisetherighttochoose,theInsuredmustwritetoUswiththeirpreferredrepresentative’scontactdetails

d. IftheInsureddismissestheAppointedAdvisorwithoutgoodreason,orwithdrawsfromtheclaimwithoutOurwrittenagreement,oriftheAppointedAdvisorrefuseswithgoodreasontocontinueactingforanInsured,coverwillendimmediately

e. InrespectofaclaimunderINSUREDEVENT1EMPLOYMENT,2CONTRACT,4PERSONALINJURYor5CLINICALNEGLIGENCEtheInsuredentersintoaConditionalFeeAgreementortheAppointedAdvisorentersintoaCollectiveFeeAgreementwherelegallypermitted

3. OurConsentTheInsuredmustagreetoUshavingsightoftheAppointedAdvisor’sfilerelatingtotheInsured’sclaim.TheInsuredisconsideredtohaveprovidedconsenttoUsorOurappointedagenttohavesightoftheirfileforauditingandqualitycontrolpurposes

24

4. Settlementa. TheInsurerhastherighttosettle

theclaimbypayingthereasonablevalueoftheInsured’sclaim

b. TheInsurerhastherighttorecoveremploymenttribunalandemploymentappealtribunalfeesfromasettlementagreementbetweentheInsuredandanemployerorex-employerunderINSUREDEVENT1EMPLOYMENT

c. TheInsuredmustnotnegotiate,settletheclaimoragreetopayLegalCostsandExpenseswithoutOurwrittenagreement

d. IftheInsuredrefusestosettletheclaimfollowingadvicetodosofromtheAppointedAdvisor,theInsurerreservestherighttorefusetopayfurtherLegalCostsandExpenses

e. TheInsuredmustsettleCommunicationCostsarisingfromINSUREDEVENT8IDENTITYTHEFTinthefirstinstanceandmakeareceiptedclaimtoUsforreimbursement

5. Barrister’sOpinionWemayrequiretheInsuredtoobtainandpayforanopinionfromabarristerifadisputearisesregardingthemeritsorvalueoftheclaim.IftheopinionsupportstheInsured,thentheInsurerwillreimbursethereasonablecostsofthatopinion.IfthatopinionconflictswithadviceobtainedbyUs,thentheInsurerwillpayforafinalopinionwhichshallbebindingontheInsuredandUs.ThisdoesnotaffecttheInsured’srightunderCondition6below

6. DisputesIfanydisputebetweentheInsuredandUsarisesfromthispolicy,theInsuredcanmakeacomplainttoUsasdescribedonpage25ofthispolicyand

Wewilltrytoresolvethematter.IfWeareunabletosatisfytheInsured’sconcernstheInsuredcanasktheFinancialOmbudsmanServicetoarbitrateoverthecomplaint

7. OtherInsuranceTheInsurerwillnotpaymorethanitsfairshare(rateableproportion)foranyclaimcoveredbyanotherpolicy,oranyclaimthatwouldhavebeencoveredbyanyotherpolicyifthispolicydidnotexist

8. FraudulentClaimsIftheInsuredmakesanyclaimwhichisfraudulentorfalse,thepolicyshallbecomevoidandallbenefitunderitwillbeforfeitedincludingthepremium

9. ActsofParliament&JurisdictionAlllegalinstrumentsandrulesreferredtowithinthepolicyshallincludeequivalentlegislationinScotland,NorthernIreland,theIsleofManandtheChannelIslandsandanysubsequentamendmentorreplacementlegislation.ThispolicywillbegovernedbyEnglishlaw

10. DataProtectionActItisagreedbytheInsuredthatanyinformationprovidedtoUsand/ortheInsurerregardingtheInsuredwillbeprocessedbyUsand/ortheInsurer,incompliancewiththeprovisionsoftheDataProtectionAct1998,forthepurposeofprovidinginsuranceandhandlingclaims,ifany,whichmayinvolvepassinginformationtootherparties.ForOurmutualprotectionandOurtrainingpurposes,callsmayberecorded

11. Contracts(RightsofThirdParties)Act1999ApersonwhoisnotinsuredunderthiscontracthasnorighttoenforcethetermsandconditionsofthispolicyundertheContracts(RightsofThirdParties)Act1999

25

COMPLAINTSPROCEDURE

IfatanytimeYouhaveanyqueryorcomplaintregardingtheFamilyLegalSolutionselementofthepolicy,Youshouldinthefirstinstancecontacttheschemeadministrators,Coast,whosoldthepolicytoYou.Contactdetailsare:ComplianceManagerCoastHelixHouseHighStreetWadhurstEastSussexTN56AAYoucantelephonethemon0800614849.IfYourcomplaintcannotberesolvedstraightaway,Youshouldcontact:TheCustomerRelationsDepartmentARAGplc9WhiteladiesRoadCliftonBristolBS81NNTelephone:01179171561(hoursofoperationare9am–5pm,MondaytoFridayexcludingbankholidays,forOurmutualprotectionandOurtrainingpurposes,callsmayberecorded)oremailcustomerrelations@arag.co.uk

ShouldYouremaindissatisfiedYoumaybeentitledtopursueYourcomplaintfurtherwithLloyd’s,whocanbereachedinthefollowingways:Policyholder&MarketAssistanceMarketServicesLloyd’sFidentiaHouseWalterBurkeWayChathamMaritimeKentME44RNTelephone:02073275693,Fax:02073275225email:complaints@lloyds.comWebsite:www.lloyds.com/complaintsIfLloyd’sisnotabletoresolvethecomplainttoYoursatisfactionthenYoumayreferittotheFinancialOmbudsmanServiceprovidedthatitfallswithinitsjurisdiction.TheFinancialOmbudsmanServicecannormallydealwithcomplaintsfromsmallbusinesseswithanannualturnoveroflessthan€2million.TheFinancialOmbudsmanServicecanbecontactedat:FinancialOmbudsmanServiceExchangeTowerLondonE149SRTelephone:08000234567or03001239123Email:complaint.infofinancial-ombudsman.org.uk

26

TheFinancialOmbudsmanServiceisanindependentserviceintheUKforsettlingdisputesbetweenconsumersandbusinessesprovidingfinancialservices.YoucanfindoutmoreinformationontheFinancialOmbudsmanServicewebsiteatwww.financial-ombudsman.org.uk.TheFinancialOmbudsmanService’sdecisionisbindingupontheInsurer,butYouarefreetorejectitwithoutaffectingYourlegalrights.

FinancialServicesCompensationSchemeWearemembersoftheFinancialServicesCompensationScheme(FSCS).YoumaybeentitledtocompensationfromthisschemeifWecannotmeetOurobligations,dependingonthetypeofinsuranceandthecircumstancesofYourclaim.Furtherinformationisavailableatwww.fscs.org.ukorbycontactingtheFSCSdirectlyon08006781100.

27

HOWTOMAKEACLAIM(FamilyLegalSolutionsSection)ClaimsProcedureIfyouneedtomakeaclaimyoumustnotifyusassoonaspossible.1. UndernocircumstancesshouldYou

instructYourownlawyeroraccountantastheInsurerwillnotpayanycostsincurredwithoutouragreement.

2. Youcanrequestaclaimformbetween9amand5pm,MondaytoFriday(exceptbankholidays)bytelephoning01179171698orbydownloadingoneatwww.arag.co.uk/newclaims.

3. WewillissueYouwithawrittenacknowledgementwithinoneworkingdayofreceivingYourclaimform.

4. Withinfiveworkingdaysofreceivingalltheinformationneededtoassesstheavailabilityofcoverunderthepolicy,WewillwritetoYoueither:• confirmingtheappointmentofa

qualifiedrepresentativewhowillpromptlyprogresstheclaimforYou;or

• iftheclaimisnotcovered,explaininginfullwhyandwhetherWecanassistinanotherway.

5. WhenalawyerisappointedtheywilltrytoresolveYourdisputewithoutdelay,arrangingmediationwheneverappropriate.Matterscannotalwaysberesolvedquicklyparticularlyiftheothersideisslowtocooperateoralegaltimetableisdecidedbythecourts.

LEGALANDTAXADVICEIfYouhavealegalortaxproblemWestronglyrecommendthatYoutakeadvantageofOurconfidentiallegalandtaxadvicehelplinewhichisprovidedaspartofthispolicy.Thelegaladvicehelplineisopen24/7andtaxadviceisavailablebetween9amand5pmonweekdays(exceptbankholidays).TheadvicecoverspersonallegalmatterswithinEUlaworpersonaltaxmattersfallingwithinUKlaw.Servicesaresubjecttofairandreasonableuse.Yourquerywillbedealtwithbyaqualifiedspecialistexperiencedinhandlinglegalandtaxrelatedmatters.Forlegalandtaxadvice,pleasetelephoneARAGon03330007809(localratenumber).

   

NOTES  

   

NOTES  

   

NOTES  

CoastCoastisatradingnameofParkHomeInsuranceServicesLtd.

RegisteredOffice:HelixHouse,HighStreet,Wadhurst,EastSussex,TN56AA.RegisteredinEnglandandWalesnumber2979679.

ParkHomeInsuranceServicesLtdisauthorisedandregulatedbytheFinancialConductAuthority.OurFCAregisternumberis306716.

Ourpermittedbusinessissellingandadministeringcontractsofgeneralinsurance.

Underwrittenby:BritSyndicate2987atLloyd’s

BritSyndicate2987atLloyd’sismanagedbyBritSyndicatesLimitedwhichisauthorisedbythePrudentialRegulationAuthorityandregulatedbythe

FinancialConductAuthority,registernumber204930.

LegalExpensesInsuranceadministeredby:ARAGplc

9WhiteladiesRoad,Clifton,BristolBS81NN.RegisteredinEnglandandWales,number2585818.

ARAGplcisauthorisedandregulatedbytheFinancialConductAuthority.FCAregisternumber452369.

Communicationsmaybemonitoredorrecordedtoimproveourserviceandforsecuritypurposes.

HelixHouse,HighStreet,Wadhurst,EastSussex

TN56AA

Tel:0800614849–Fax:01892784863Email:info@coastinsurance.co.uk

www.coastinsurance.co.uk

CoastisatradingnameofParkHomeInsuranceServicesLimited,whichisauthorisedandregulatedbytheFinancialConductAuthority

(FCARegisterNumber306716).ThecompanyisregisteredinEnglandandWales(CompanyNumber2979679).

StaticHolidayHomePolicy–Jan2017

Coast–PlatinumSept2016