What we cover - insured events
This section describes under the heading:
Yes – the insured events you are covered for,
No – the conditions and exclusions that specifically apply to particular insured events.
Yes
You are covered for damage or loss caused by the following events occurring during the period of cover to your contents while they are within your home:
Fire (burning with flames)
Theft – by persons who are not living with you
No
You are not covered for:
Damage or loss caused by:
any process involving the application of heat where there was no flame
(for example, cigarette burn marks or scorch marks are not covered),
soot and smoke where your home or the site has not been damaged by fire,
unless there was an occurrence within your home where no flame resulted but soot and smoke damage was caused.
Damage to or loss of contents which were:
outside the home at the site,
in buildings at the site that were not fitted with working locks to all external doors,
away from the site.