Your Home Insurance Policy Summary

Before reading this Policy Summary, we just want to remind you of a few things.

Firstly, Nationwide Home Insurance is underwritten by Royal & Sun Alliance Insurance plc. That means we’ve worked closely with them to make sure you can rely on your insurance policy.

Secondly, your contract is for a year. You can renew it each year, according to the terms and conditions at each renewal date. You can select Contents, Buildings, Home Emergency and Legal Cover and you can also add optional extra cover, depending on your needs. Full details of what you’ve chosen are shown on your Policy Schedule.

The following tables are a summary of the main policy benefits, limits and exclusions. For full details of these and all the terms and conditions, you’ll need to read the Policy Wording booklet. You’ll be given a copy of this when you’ve completed your contract, or you can ask for a copy whenever you like. Once you receive your policy documents, you’ll have 14 days to decide if you’d like to cancel your policy.

Take a look at ‘Your right to cancel your policy’ on page 9 for more information.

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Your Home Insurance Policy Summary

Before we start, we just want to remind you of a few things. Firstly, Nationwide Home Insurance is underwritten by Royal & Sun Alliance Insurance plc. Secondly, your contract is for a year. You can renew it each year, at the terms and conditions that apply at each renewal date. You can select Contents, Buildings, Home Emergency and Legal Cover and you can also add optional extra cover, depending what you need. Full details of what you’ve chosen are shown on your Policy Schedule. The following tables are a summary of the main policy benefits, limits and exclusions. For full details of these and all the terms and conditions, you’ll need to read the Policy Wording booklet. You’ll be given a copy of this when you’ve completed your contract, or you can ask for a copy whenever you like. Once you receive your policy documents, you’ll have 14 days to decide if you’d like to cancel your policy. Take a look at ‘Your right to cancel your policy’ on page X for more information.

What you’re covered forThis is a summary of the limits of our Home Insurance covers. It shows all the different options you could have chosen when you took out your policy. To see which sections of the policy you’ve personally chosen and the limits which apply to your policy, you’ll just need to check your Policy Schedule. Some of the terms below are explained in more detail in the tables on pages 5 to 9.

Buildings Cover How much you’re covered forYour buildings Unlimited

Trace and access £5,000

Locks and keys £750

Alternative accommodation £50,000

Legal liability as owner of the property £2,000,000

Contents Cover How much you’re covered for if you have up to £50,000 Contents Cover

How much you’re covered for if you have more than £50,000 Contents Cover

Your contents £50,000 Unlimited

Valuables in your home £15,000 £30,000

Limit for any one valuable item £2,000 £2,000Money in your home £750 £1,000

Locks and keys £750 £1,000

Business equipment £3,000 £10,000

Theft from your outbuildings and garages £2,500 £5,000

Accidental loss of metered water, liquid petroleum gas or oil at your home. £750 £1,000

Alternative accommodation £15,000 £30,000

Documents £750 £1,000

Visitors’ personal effects £750 £1,000

Occupiers’ and personal liability £2,000,000 £5,000,000

Employers’ liability £5,000,000 £10,000,000

Tenants liability £5,000 £10,000

Temporary removal (if you take your belongings somewhere else) £5,000 £10,000

Dependant relative £5,000 £5,000

Student cover £5,000 £10,000

Data downloads £1,000 £3,000

Food in your freezer or fridge £750 £1,000

Special events increase (over special occasions like Christmas or birthdays) £5,000 Unlimited

Contents in the open in your garden £750 £750

Garden Cover How much you’re covered forGarden Cover £5,000

Out & About Cover How much you’re covered forPersonal possessions The amount you’ve chosen will be shown on your Policy Schedule

Limit for any one personal possession £2,000 (except for any specific items listed on your Policy Schedule)

Theft from unattended motor vehicles £2,000

Money £500

Bicycle Cover How much you’re covered forLimit for any one bicycle £1,000 (except for any specific bicycle listed on your Policy Schedule)

Home Emergency Cover How much you’re covered forHome Emergency Cover £500

Legal Cover How much you’re covered forLegal Cover £50,000

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Buildings CoverIf you choose Buildings Cover, the following will automatically be included:

Features and Benefits Significant exclusions and limitations

Structure damageThis covers:

• the buildings of your home

• permanent structures on your land such as your garages and outbuildings, drives, walls and patios

• fixtures and fittings attached to your buildings such as kitchen units, bathroom fittings and fitted wardrobes

You’re covered for damage by specific causes including the following:

• fire, lightning, explosion, earthquake or smoke

• storm or flood

• escape of water or oil

• riot, malicious damage or vandalism

• theft or attempted theft

• subsidence, heave or landslip

• falling trees, branches, aerials or satellite receiving equipment

• collisions involving vehicles, animals or aircraft.

Your cover also includes the cost of:

• alternative accommodation

• your legal liabilities as owner of your home.

• Damage caused to fences, hedges or gates by storm or flood, falling trees or branches.

• For subsidence, heave or landslip claims you’ll need to pay the first £1,000.

• For escape of water claims you’ll need to pay the amount shown in your Policy Schedule. (This is shown as the escape of water excess.)

• If your home is left unoccupied for more than 60 days in a row you won’t be covered for: • escape of water or oil • freezing of water or oil pipes and tanks • malicious damage or vandalism • theft or attempted theft.

• If you have tenants in your home, you won’t be covered for: • malicious damage or vandalism • theft or attempted theft unless force and violence has been used to get into or out of your home.

Locks and keys• Replacement of locks following accidental damage or loss of keys.

Trace and access• Finding the source of any water or oil leaking from a water or

heating system.

Features and Benefits Significant exclusions and limitations

New for old This covers the contents in your home and in the open in your garden.

You’re covered for loss or damage by specific causes including:

• fire, lightning, explosion, earthquake or smoke

• storm or flood

• escape of water or oil

• riot, malicious damage or vandalism

• theft or attempted theft

• subsidence, heave or landslip

• falling trees, branches, aerials or satellite receiving equipment

• collisions involving vehicles, animals or aircraft.

Cover also includes the cost of:

• alternative accommodation

• your legal liabilities as the occupier of your home, in a personal capacity and as an employer to any domestic employees.

• Contents left in the open in your garden over £750 (you can choose to cover these with our Garden Cover).

• For escape of water claims you’ll need to pay the amount shown in your Policy Schedule. (This is shown as the escape of water excess).

• If your home is left unoccupied for more than 60 days in a row you won’t be covered for: • escape of water or oil • malicious damage or vandalism • theft or attempted theft • accidental loss of metered water.

• If you have tenants in your home, you won’t be covered for: • malicious damage or vandalism • theft or attempted theft unless force and violence has been used to get into or out of your home.

Valuables in your home• Cover in your home for jewellery, watches and items containing gold,

silver or platinum.If you take any valuables outside your home, they need to be covered by the Out & About Cover option.

• You’ll need to tell us if any one item you own is worth more than £2,000.

Business equipment• Equipment used for business purposes such as computers,

telephones and office equipment.• Business stock isn’t covered.

Freezer or fridge food• Loss or damage to the food in your freezer or fridge.

Locks and keys• Replacement of locks following accidental damage or loss of keys.

Temporary removal – student and dependent relatives coverThe contents:

• that a family member takes away from your home to university, college or school; or

• a dependent relative takes with them while staying in a hospital, care or nursing home or hospice.

Cover for loss or damage by the following causes:

• fire, lightning, explosion, earthquake or smoke

• storm or flood

• theft or attempted theft using force and violence

• escape of water or oil

• riot, malicious damage or vandalism

• collisions involving vehicles, animals or aircraft

• falling trees, branches, aerials or satellite receiving equipment.

• If the building where the contents are temporarily kept are left without anyone residing, living, working or studying there for more than 60 days in a row, you won’t be covered for: • escape of water or oil • malicious damage or vandalism • theft or attempted theft.

Contents CoverIf you choose Contents Cover, the following will automatically be included:

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Features and Benefits Significant exclusions and limitations

Garden CoverYour contents in your garden and your trees, shrubs, hedges, bushes, plants and lawns.

Cover for loss or damage by the following causes:

• fire, lightning, explosion, earthquake or smoke

• storm or flood

• riot, malicious damage or vandalism

• theft or attempted theft

• falling trees, branches, aerials or satellite receiving equipment

• collisions involving vehicles , animals or aircraft

• subsidence, heave or landslip

• escape of water or oil.

This option also covers you for damage to your garden caused by the emergency services attending an emergency.

• If your home is left unoccupied for more than 60 days in a row you won’t be covered for: • theft or attempted theft • malicious damage or vandalism • escape of water or oil.

• If loss or damage is caused by a falling tree or branch you won’t be covered for: • loss or damage to your trees, shrubs, hedges, bushes, plants and

lawns or the cost of removing a fallen tree or branch if it hasn’t damaged your contents.

Out & About CoverCovers your contents against accidental damage or loss while they’re in or away from your home in the British Isles. They’re also covered for up to 90 days worldwide.

You can choose to cover: • unspecified items only • unspecified and specified items • specified items only.

Unspecified: • these are items worth less than £2,000 each • a minimum amount of £2,500 applies to these items in total, although this can be increased if you wish.

Specified items: • these are items worth more than £2,000 each • these must be listed individually.

This option also covers you for £500 of money.

• Household goods such as washing machines, carpets and freezers while they’re kept inside your home.

• Bicycles (these can be covered under Bicycle Cover).

• Theft from unattended motor vehicles unless: • force and violence is used to get into the motor vehicle, and • the items stolen were out of sight in a boot or closed compartment.

• A limit of £2,000 applies to theft from unattended motor vehicles.

• You’ll need to tell us if any one item you own is worth more than £2,000.

• A valuation or purchase receipt is required for any item specified on your policy that is worth £5,000 or more.

• Contents kept permanently in any premises your family owns, leases or rents that isn’t your home shown on your Policy Schedule.

Bicycle CoverYou’re covered if your bicycles are in or away from your home in the British Isles. They’re also covered for up to 90 days worldwide.

• Cover is for accidental damage or loss.

• You’ll need to tell us if any one bicycle you own is worth more than £1,000.

• Theft of any bicycle left unattended in a public place unless: • it’s locked to an object that can’t be moved, or • it’s locked in or to a motor vehicle.

Garden Cover, Out & About Cover and Bicycle CoverYou can also choose to add any of the following to your Contents Cover:

Accidental Damage CoverYou can choose to add Accidental Damage Cover to your policy. It’ll apply to your Buildings Cover, Contents Cover and Garden Cover, if you’ve chosen them.

Matching Items Cover You can choose to add Matching Items Cover to your policy. It’ll apply to your Buildings Cover, Contents Cover, Garden Cover and Out & About Cover, if you’ve chosen them.

Features and Benefits Significant exclusions and limitations

Accidental Damage CoverDepending on the Cover you’ve chosen, this provides extra protection against damage caused by accidents such as:

• putting your foot through a ceiling

• a pet knocking over a vase

• you spilling wine on a carpet.

This option also covers you for:

• breakage of glass in furniture or windows and ceramic hobs

• breakage of bathroom suites, drains and pipes

• accidental damage to cables and underground tanks.

• Damage caused by the gradual seepage of water into your home such as rising damp or a rise in the water table.

• Some causes of damage are excluded for example loss or damage caused by wear and tear.

Features and Benefits Significant exclusions and limitations

Matching Items CoverIf part of a matching set, pair, suite (or carpet for Contents) is lost or damaged and it can’t be repaired or replaced, we’ll pay to replace the whole matching set, including any undamaged parts.

We won’t pay to replace the undamaged parts of a matching set, pair, suite (or carpet for Contents) where the cost to repair or replace the lost or damaged part is below the policy excess.

If this option isn’t chosen we’ll only pay for the lost or damaged part.

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General conditions and exclusions

• No cover is provided for wear and tear, maintenance, or anything else which happens gradually.

• This insurance doesn’t cover any loss or damage caused by war, terrorism involving biological, chemical or nuclear materials, radioactive contamination, deliberate damage caused by you or damage resulting from illegal activities undertaken by you.

Excess and limitsYour policy may be subject to an excess, which you’ll need to pay if you make a claim. Certain policy limits may also apply.

These will be shown on your Policy Schedule.

General conditions and exclusions The following conditions and exclusions apply to the policy as a whole, no matter which specific cover options you’ve chosen. For full details of these and other exclusions and limits, please read the Policy Wording booklet.

Home Emergency Cover and Legal CoverYou can choose to add Home Emergency Cover and Legal Cover to your Buildings Cover or Contents Cover.

Features and Benefits Significant exclusions and limitations

Home Emergency CoverUp to £500 for 24 hour assistance within your home for emergencies such as:

• plumbing and drainage

• the main heating system

• your domestic power supply

• infestation in the home, for example by rats, mice or wasps’ nests

• home security

• lost keys

• roof damage

• loss of use of all toilets.

This option also includes the cost of overnight alternative accommodation if we agree the home can’t be lived in.

• Any incident not reported to us within 48 hours of discovery.

• Any repair for a problem you already knew about before you took out your policy.

• The normal day-to-day maintenance of your home, system(s) or facility.

Legal CoverUp to £50,000 legal cover for disputes in relation to:

• personal injury

• consumer protection

• residential

• employment

• tax

• clinical negligence

• legal defence

This option also includes payment for jury service and court attendance.

• Excludes pre-existing disputes.

• For legal nuisance and trespass claims under the residential section, you’ll need to pay the amount shown in your Policy Schedule. This is shown as the legal nuisance or trespass excess.

• For consumer protection claims, the amount in dispute must be more than £100.

• For residential claims which cause physical damage to your home, the amount in dispute must be more than £100.

Important Information

Your right to cancel your policy

If you’ve read through your policy documents and you decide not to go ahead with the insurance, you’ll have 14 days to cancel it. The 14 days start on the day you receive your policy documents.

To cancel your policy, please write to the address or call the number shown on your Policy Schedule. Once we’ve heard from you, we’ll refund any premiums you’ve already paid, except if you‘ve already made a claim under your policy.

Claims

If you want to claim using your Nationwide Home Insurance policy, call the Claims Helpline as soon as possible on 0800 145 6060 (Monday to Friday 8am - 8pm, Saturday 9am - 5pm).

You’ll need to give us any information or help that we reasonably ask for. You mustn’t settle, reject, negotiate or agree to pay any claim without our written permission. Full details of how to claim are included in the Policy Wording booklet.

Complaints

If we haven’t done as well as you hoped, we’d like to hear from you so we can put things right. Just contact us using the phone number or the address that’s on your Policy Schedule. In the unlikely event that we can’t resolve your concerns, your complaint will be referred to our Customer Relations Team who will arrange for an investigation on behalf of our Chief Executive.

If you’re still not happy or you haven’t received our final response within eight weeks of us receiving your complaint, you can, if you wish, take the matter to the Financial Ombudsman Service. This doesn’t affect your right to take legal action.

Compensation

Royal & Sun Alliance Insurance plc is a member of the Financial Services Compensation Scheme (FSCS).

This provides compensation in case any member goes out of business or into liquidation and isn’t able to meet any valid claims against its policies. You may be entitled to compensation if we can’t meet our obligations, depending on the circumstances of the claim. Further information about the compensation scheme can be obtained from the FSCS.

Nationwide Home Insurance Financial Ombudsman Service Customer Relations Team RSA PO Box 255 Wymondham NR18 8DP

Exchange Tower Harbour Exchange Square London E14 9SR

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Other important information - this is not part of the Policy Summary

Premiums and payments

Premiums include Insurance Premium Tax.

You can pay for your policy either annually or by monthly instalments. Annual premiums can be paid by credit or debit card. Monthly instalments can only be paid by direct debit.

Renewing your policy

At least 21 days before each policy renewal date, we’ll tell you the premium and terms and conditions that will apply for the following year. If you wish to change or cancel the cover, please tell us before the renewal date.

If you pay by direct debit, we’ll renew the policy automatically and continue collecting premiums unless you let us know that you wish to cancel the policy. For payments by credit or debit card, you’ll need to submit a further payment if you want to renew the policy.

You’ll have 14 days to cancel the policy after the renewal date. If you do, you’ll receive a refund of any premiums you’ve paid. This is described in the ‘Your right to cancel your policy’ section in this booklet.

Terminating your contract

You can cancel this policy at any time. If you cancel the policy, you might be entitled to a refund of your premium, as long as you haven’t made a claim during the current insurance period.

We may cancel this policy by giving you at least 14 days’ notice at your last known address. You may be entitled to a proportional refund of any premiums you’ve paid, as long as you haven’t made a claim during the current insurance period.

The law and language that apply to the policy

Both you and we can choose the law which applies to this contract. However, unless we both agree otherwise, the law that applies is the law for the part of the United Kingdom where you live. Full details will be provided in your policy documentation. The language used in this policy and any communications relating to it will be English.

Financial sanctions

Please note that Royal & Sun Alliance Insurance plc can’t provide insurance in any circumstances which would mean they were in breach of any financial sanctions imposed by the United Nations or any government, governmental or judicial body or regulatory agency. You’ll find full details in your policy documentation.

RSA

Nationwide Home Insurance is underwritten by Royal & Sun Alliance Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority as an insurance company and to undertake insurance mediation under Registration No. 202323. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768 (free from landlines) or 0300 500 8082 (mobiles).

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Just ask in branchCall 0800 145 6060Visit nationwide.co.uk/homeinsurance

Nationwide Home Insurance is underwritten and administered by Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St. Mark’s Court, Chart Way, Horsham, West Sussex RH12 1XL. Nationwide Building Society and Royal & Sun Alliance Insurance plc are both authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Nationwide Building Society is registered at Nationwide House, Pipers Way, Swindon, Wiltshire SN38 1NW.Calls may be recorded and monitored.

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