What we cover - additional benefits

Additional benefits included within your policy:	Page
The cost of temporary accommodation	20
Accidental breakage	21
Cover when you are changing homes	21
Damage to electric motors	22
Locating water leaks	23
Replacing locks	23
Damage to garden beds, trees, shrubs and other plants	23

We help with...

The cost of temporary accommodation

When an insured event has caused damage or loss to your building, we will help with the cost of temporary accommodation for you and, where necessary, for your domestic pets, provided:

we are satisfied your building is no longer habitable, and

you were living permanently in it at the time, and

you have claimed on this policy and we are satisfied everything is in order.

We will pay the reasonable cost incurred by you for comparable accommodation for up to 12 months while your building is being rebuilt or repaired.

Accidental breakage

We will either replace or pay the reasonable cost of replacing the following when they are accidentally broken:

any area of glass (including glass tint, if fitted) fixed to your building,

glass (but not light globes) in a fixed light fitting in your building,

fixed basins, sinks, baths, shower bases, lavatory pans or cisterns in your building.

We will also repair or replace or pay the cost of repairing or replacing the frame of any window, door or shower screen but only if this is necessary to enable the glass to be replaced.

We will not replace or pay for:

any glass in a glasshouse or conservatory,

any part of a fixed cooking or heating appliance (for example, the glass top of a stove),

any area of glass or any item which is already damaged or in an imperfect condition.

Cover when you are changing homes

When you purchase another home, we will amend your policy to cover your new home provided you tell us about it and give us any associated information we require.

When you provide us with the details we require, we will tell you whether:

your new home is one we would normally insure,

there is any difference in the terms and conditions of your policy as it applies at your new address, and

there is any difference for the remainder of your period of cover in the premium payable for your former home and your new home.

If there is any difference in the premium, we will refund or charge you that difference.

Any refund we make will be less our reasonable charge for administrative and processing costs.

If we charge you and you do not pay the additional amount within 14 days of our notice, we may reduce the period of cover of your amended policy to match the amount you have already paid.

Cover for both your new and current homes - an additional premium is payable

When you have purchased a new home:

that we have agreed to cover,

and your current home is being sold,

but title for your current home has not been transferred to its purchaser,

we will cover:

your new home, and

your current home until the transfer of title to its purchaser.

An additional premium is payable for this cover.

Damage to electric motors

We will pay the full cost of damage caused by electric current to an electric motor if the motor is less than ten years old, when the motor is in a piece of fixed domestic equipment forming part of your building,

We will not pay if the damage to the motor or aquipment is covered by a new product guarantee or warranty.

Locating water leaks

We will pay the reasonable cost of locating the source of water or liquid leaking or discharging from pipes and fixtures and fittings at your building.

We will not pay the cost of repairing or replacing the pipe, fixture or fitting which caused the leak or discharge

The most we will pay is shown on the most recent of your policy schedule and renewal notice.

Replacing locks

When the key to the lock of any window or external door of your building is stolen, we will pay the reasonable cost of replacing or rekeying the locks operated by that key.

Damage to garden beds, trees, shrubs and other plants

We will help pay for damage or loss to trees, shrubs, plants, hedges or garden beds on your site caused by fire or the impact of vehicles (not driven by you or by any person living at your home).

The most we will pay is shown on the most recent of your policy schedule and renewal notice.