Overseas Home insurance Key Facts
This is a summary and does not contain the full terms and
conditions of the cover, which can be found in the policy booklet.
It is important that you read the policy booklet and schedule
carefully when you receive them. One policy booklet covers all
sections of this policy.
Name of the Home Overseas insurance undertaking
The Insurer of all sections of this policy, other than as noted
immediately below, is Lloyds of London Insurance Limited.
Lloyds of London Insurance Limited is authorised and regulated by
the Financial Services Authority.
Type of Overseas Home insurance and Cover
The Intasure second Homes Insurance Policy provides cover for
buildings and/or contents. Sections are provided for Buildings,
Contents, Valuables and Personal Effects (optional).
Note: In certain circumstances the cover provided may be different to our standard conditions.
All Sections: Overseas Home insurance
Home insurance overseas - Significant Features and Benefits
- Free 24 hour helpline
- £5m public liability
- Covers loss of rent following a claim
- Protect valuables on a new for old basis
Overseas Home insurance - Significant and unusual exclusions or limitations
You must comply with conditions of the policy explained in
the General Conditions Section of the policy booklet for
cover to apply. These include your duty to take reasonable
precautions to prevent loss and actions you must take as soon
as you are aware of a possible claim under the policy.
See also the General Exclusions Section of the policy booklet for
those exclusions that apply to all Sections.
- You will have to pay the first part of most claims - this
is known as an 'excess'. The standard policy excess is
£50 although this can be increased in order to obtain a
premium discount.
- Certain losses or damage if any endorsement/clause is
shown on your policy schedule - e.g. theft cover may
be restricted under the Contents Section unless certain
security measures are in force.
- Damage caused by chewing, scratching, tearing or fouling
by domestic animals.
- For properties situated in Spain, Portugal and Southern Cyprus - when unoccupied Sections B and C of HH914 apply (see shaded
box opposite).
- For properties situated in UK, Greece, Italy, France and Republic of Ireland - all sections of HH914 apply
when property is unoccupied.
Overseas Home - Buildings Insurance Section See Section 1 of the policy booklet for details.
Overseas Home Buildings Insurance - Significant Features and Benefits
Cover is provided for an extensive list of perils such as fire,
storm, flood, theft, etc. - see policy booklet.
In addition cover is provided for:
- alternative accommodation or loss of hiring charges following an insured loss
- accidental damage
- damage caused by emergency access
- costs of tracing and accessing leaks (up to £1,000)
- the buyer when you are selling your home
- your legal liability as owner of your home.
Overseas home Buildings Insurance - Significant and unusual exclusions or limitations
- Damage by wet or dry rot.
- Certain losses or damage when your home is unoccupied or unfurnished for more than 30 days in a row - this only
applies when you have failed to comply the un occupancy clause HH914 (see shaded box opposite).
- Theft or malicious damage caused by persons lawfully in the home.
- Liability as occupier of your home but this can be insured under the Contents Section
- Damage due to a fault or limit of design, manufacture or installation. In particular there is no cover for damage to
underground services that do not work because they are worn out.
- The cost of replacing any undamaged items, which form part of a set, suite or item of a uniform nature.
- Loss or damage to your buildings from any cause not listed in the policy booklet.
Overseas home - Contents Insurance Section See Section 2 of policy booklet for details.
Home insurance France - Significant Features and Benefits
Cover is provided for an extensive list of perils such as fire,
storm, flood, theft, etc. - see policy booklet.
In addition cover is provided for
- accidental damage
- contents temporarily removed from the home
- contents in outbuildings (limited to £2,500 for theft)
- garden ornaments and furniture (up to £750)
- replacement locks if keys are lost or stolen (up to £250)
- spoilage of food in freezers (up to £500)
- loss of domestic fuel and metered water (up to £750)
- pedal cycles (up to £250)
- personal effects (£500) and personal money (£100) away from the home
- your liability as occupier, employer, tenant and in a personal capacity
Home insurance France - Significant and unusual exclusions or limitations
- No cover is provided for boats, boards or water craft of any kind
- No cover is provided for items used for business or professional purposes
- Certain losses or damage when your home is unoccupied for more than 30 days in a row (see HH914)
- Theft or malicious damage caused by persons lawfully in the home
- Theft whilst the home is lent or let unless involving forcible and violent entry to or exit from the home
- The cost of replacing any undamaged items, which form part of a set, suite or item of a uniform nature
- Theft of pedal cycles unless in a building or securely locked to an immovable object
- Theft of contents temporarily removed from the home, unless by somebody using force and violence to break into a building
- Loss or damage to your contents from any cause not listed in the policy booklet
HH907 Home insurance overseas - Security Endorsement (Standard)
We will not pay for loss of damage unless:
- Whenever the Home is left unattended
- The final exit door is fitted with a mortice lock
or cylinder rim lock conforming to BS3621 (for
properties located in the UK only) or suitable local
equivalent and is in operation.
- All other external doors (excluding patio doors) and any access doors from adjoining or integral
garages are fitted with either:
- a mortice deadlock or cylinder rim lock conforming to BS3621 (for properties located in the
UK only) or suitable local equivalent
or
- security bolts fitted top and bottom in addition to
any existing block and are in operation.- Sliding patio doors are fitted with either:
- key-operated sliding door locks top and bottom
or
- deadlock securing into the frame operated by an internal handle
or
- any internal patio door lock, or key operated lock mounted internally on the centre rails and are in operation.
- All ground floor, basement and accessible upper floor windows are fitted with lever operated window locks
or
shutters securely locked internally or metal grilles embedded into the wall and are in operation.
HH912 Home insurance overseas - Swimming Pools
Your policy is extended to include swimming pools, forming part of the buildings cover in the schedule.
It is further understood and agreed that no cover will apply in respect of communal swimming pools.
HH913 Home insurance overseas - Subsidence, Landslip and Heave
Your policy is extended to include damage caused by Subsidence or Heave of the site on which the buildings stand or Landslip.
HH914 Home insurance overseas - Unoccupancy
When the home is unoccupied (see policy definition)
- Valuables, Money and Credit Cards must be removed from the home.
- In respect of Perils 6 of Sections 1 and 2 (other than for
Spain, Portugal and Southern Cyprus)
We will not be liable for loss or damage unless:
- the water, gas and electricity supplies are turned
off at the mains (and for the period November to
March inclusive all water tanks, pipes and apparatus
are drained)
or
- required to operate an automatically operated
central heating system used to maintain a
minimum temperature of 58°F (15°C) at all times.
- We will not cover the first £200 of any claim.
HH926 Home insurance - Deletion of Optional Accidental Damage Cover
HH929 Home insurance - Cover Extended to Include Theft Cover by Tenants
HH931 Home insurance - Cover Extended to Include Accidental Damage by Tenants
Home insurance - Duration of Policy
The policy will remain in force for 12 months from the date of
commencement, or as otherwise shown in your policy schedule.
Home insurance France - Cancellation Rights
You have the right to cancel your policy during a period of 14
days after the later of the day of purchase of the contract or the
day on which you receive your policy documentation. A full
explanation of your cancellation rights can be found in your policy booklet.
Applicable Law
The Law of England and Wales will apply to this contract of
insurance unless otherwise stated or agreed.
How to Claim
For claims please call Intasure on 0845 111 0672.
Complaints
We hope that you will be very happy with the service we provide.
However, if for any reason you are unhappy with this, we would
like to hear from you. Please refer to your policy booklet for
details on the complaint procedure.
Lloyds of London is a member of the Financial Ombudsman Service.
If you have complained to us and we have been unable to resolve
your complaint, you may then be entitled to refer it to this
independent body.
Financial Services Compensation Scheme
Lloyds of London is a member of the Financial Services
Compensation Scheme (FSCS). If we are unable to meet our
obligations you may be entitled to compensation from the
scheme, depending on the type of insurance and circumstances
of the claim.
Underwritten by:
Lloyds of London.
Authorised and regulated by the Financial Services Authority.
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