Key Facts logomasterquote home insurance

Policy Summary

Statement
This is only a summary of the policy. The full terms and conditions of the cover can be found in the policy document.
It is important that you read the policy document carefully when you receive it.

Name of Insurance Underwriting
For home insurance the underwriter will be one selected from a panel. The name will be detailed on the quotation page and will be confirmed in writing when the policy has been concluded. The contract will be based on information you provide, you must tell us of any changes to the information.

Type of Insurance and cover: Household Insurance.
Where Home Emergency Assistance is included, this cover is underwritten by Inter Party Assistance SA

Select from Buildings and/or Contents, each with the option of adding accidental damage cover.
Personal Possessions cover can be added to Contents cover.

Part A: Contents

What is covered - Significant Features and Benefits
Cover is provided for an extensive list of perils including fire, storm, flood, subsidence, theft, etc. These are listed in full in the policy document. In addition cover is provided for:

What is not covered - Significant and unusual exclusions or limitations

Part B: Contents additional cover option

What is covered - Significant Features and Benefits

What is not covered - Significant and unusual exclusions or limitations

Part C: Personal Possessions

What is covered - Significant Features and Benefits

What is not covered - Significant and unusual exclusions or limitations

Part D: Buildings

What is covered - Significant Features and Benefits
Cover is provided for an extensive list of perils such as fire, storm, flood, subsidence, theft, etc. These are listed in full in the policy document. In addition cover is provided for:

What is not covered - Significant and unusual exclusions or limitations

The following are excluded from the Home Emergency Assistance insurance: all found under "what is not covered" and "exclusions".

Part E: Buildings additional cover option

What is covered - Significant Features and Benefits

What is not covered - Significant and unusual exclusions or limitations

Period of Insurance
The length of time covered is shown in the Schedule and is only for twelve continuous months.

Cancellation
Cancellation of the policy within the 14 day "cooling off period" - 'You have the right to cancel your policy, providing you have written or telephoned us to cancel it within 14 days of the date you agree the price and terms of cover with the insurer, or the date of receipt by you of your policy documentation (whichever is the later). We will charge you a cancellation fee of £20 to cover our administration costs.'

Claims
You must report immediately any accident or incident that may give rise to a claim under the policy, to the administrator, BDML Connect Ltd on 0844 335 0468.

Complaints
If you wish to make a complaint please contact the Administrator first by calling our Customer Services Team on 0844 335 1028; or you can write to The Quality Manager, BDML Connect Limited, 1000 Lakeside North Harbour, Western Road, Portsmouth PO6 3EN.

If you remain dissatisfied with BDML Connect Limited’s response or your complaint is about your insurer you may write to the insurer. If the insurer is a Lloyd’s syndicate you can write to the Complaints Department, Lloyd’s, One Lime Street, London EC3M 7HA.
If you are still dissatisfied after receiving a final response letter then you can refer the matter to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Full details will be made available at the appropriate stage of the complaints process, but are set out in the policy booklet.

Financial Services Compensation Scheme
If we or your insurer are unable to meet our obligations you might be entitled to compensation under the Financial Services Compensation Scheme (FSCS). Further information about the Scheme is available from the FSCS website at www.fscs.org.uk or by calling us.