Home & Contents Insurance Glossary
Accidental Damage - means visible damage which has not been caused on purpose or inevitably.
Buildings - means your home, landlord’s fixtures and fittings, patios, terraces, footpaths, swimming pools, tennis courts, drives, walls, fences, hedges, gates, fixed domestic water installation, service tanks, septic tanks, pipes, cables and central heating oil tank.
Business equipment - means computers, keyboards, visual display units and printers, word processing equipment, desktop publishing units, multi user small business computers, fax machines, photocopiers, typewriters, computer aided design equipment, furniture, furnishings and telecommunication equipment.
Certificate - means the document we sent you that details the cover you have selected under this policy.
Contents - means household goods, personal effects including money up to £250, which belongs to you (or for which you are legally responsible) or belonging to domestic staff who live in your home.
Credit Cards - means charge, credit and debit cards all issued in the United Kingdom belonging to you or any member of your family.
Excess - means the first part of the claim which you have agreed to bear.
Family - means your partner and children (including foster children) and any other person permanently living with you, but excluding tenants.
Home - means your private dwelling in the United Kingdom as detailed on your certificate which must be constructed with brick, stone or concrete and roofed with slate, tile, metal, asphalt or concrete. This includes domestic outbuildings used in connection with the dwelling and any private garage or outbuilding within 100 metres of the dwelling used by you.
Household - means your family and domestic staff.
Money - means cash, currency notes, bank notes, money orders, cheques, postal orders, National Insurance stamps, savings stamps or certificates, premium bonds, travellers cheques, travel tickets, luncheon vouchers, gift tokens, phonecards, prepaid electricity and gas meter cards and any other negotiable security which belong to you and are not used for business.
Personal Possessions - means clothing, baggage, articles of personal use normally worn, used or carried by you or your family including gold and silver articles, jewellery, spectacles, binoculars and telescopes, mobile telephones, keys, guns, private pedal cycles, furs, sports equipment, timekeeping and photographic equipment.
Premium - means the monthly amount you must pay for your cover under the policy.
Sanitary fittings - means wash basins and pedestals, bathroom and kitchen sinks, bidets, lavatory pans and cisterns, shower trays, shower screens, baths and bath panels but not including swimming pools.
Sum insured - means the most we can pay for any number of claims caused by one incident.
Type of cover - means either buildings cover, accidental damage to buildings cover, contents cover, accidental damage to contents cover, personal possessions cover, Home Emergency cover, Legal Expenses cover or a combination of these as shown on your certificate.
Underground services - means underground pipes, drains, cables (and their inspection covers) for which you are legally responsible.
Unoccupied - means when your home has not been lived in by you or any other person with your permission for more than 60 days in a row.
Valuables - means items composed of precious metal or precious stones, jewellery, watches, furs, curios and works of art, computer equipment, money or portable electrical equipment other than televisions or radios.