Section one: Contents
- covering Household Goods and Personal Property in
the home - sum insured selected by you.
Section two: All Risks
- loss or damage cover on clothing, personal effects
and valuables - sum insured selected by you.
Section three: Money
- up to £300 for loss of money or loss following
theft of credit cards (only available in conjunction
with Section Two).
Section four: Personal
Liability - up to a limit of liability of £500,000
plus agreed legal costs.
Section five: Medical and
Repatriation Expenses - limits of £100,000
or £250,000 available.
Section six: Personal
Accident and Sickness - cover purchased in Units
- each unit providing Capital Sums insured of £1,000,
and £10 per week for Temporary Total Disablement.
A brief outline of the Cover and Exclusions of the
policy follows. The policy document is available on
request
from John Wason Insurance.
| Section |
Level of Cover |
What is Covered |
Example Exclusions |
| Contents |
Up to the Sum Insured |
Household goods and other personal
property whilst in the home, against loss or damage
caused by fire, lightning, explosion, earthquake,
theft, storm, escape of water, leakage of oil,
collision by aircraft, vehicles or animals, riot
strike or malicious act. |
The first £50 of any one occurrence.
Property Insured by any other policy |
| |
| All
Risks |
Up to the Sum Insured |
All Risks of loss or damage to
property including clothing and personal effects
and valuables as described
Items over £500 to be specified |
The first £50 of any one occurrence.
Breakage of articles of a brittle nature
Cash currency or bank notes
Property despatched as cargo under a bill of lading
or airway bill |
| |
| Personal
Money |
Up to £300 |
Loss of Cash, Bank Notes, or Negotiable
Documents.
Loss as the result of misuse of Credit Cards by
unauthorised persons following loss or theft of
the card. |
The first £25 of any one occurrence.
Loss not reported to the police or in the case
of credit cards, the issuing company, within 24
hours of discovery |
| |
| Personal
Liability |
Up to £500,000 plus agreed costs
and expenses |
Legal Liability to pay compensation
to third parties arising from accidental bodily
injury or property damage.
Payment of costs and expenses incurred with the
written consent of Underwriters in defence of
any claim |
Liability for injury or damage
arising from the carrying on of any trade, business
or profession.
Liability for loss or damage to property in the
custody or control of the assured or members of
the household |
| |
| Medical
& Repatriation Expenses |
Limit of £100,000 or £250,000 as
selected |
The costs of:
- Medical treatment provided by qualified
registered Medical Practitioners, Surgeons
and other Specialists.
- Hospital, nursing home and home nursing.
- Emergency treatment.
- Repatriation if deemed medically necessary.
- Transportation for returning the body or
ashes.
|
The first £50 of any one occurrence.
Pre-existing conditions
Dental Treatment, normal eye and ear tests.
Pregnancy, childbirth, miscarriage or abortion.
Winter Sports, mountaineering, motor cycling or
racing are normal exclusions but may be included
subject to underwriters consideration
AIDS related complaints |
| |
| Personal
Accident & Sickness |
Units of £1,000 as selected
NB Child Benefit limited - see next column |
In the event of accidental death
or injury, 1 UNIT of Benefit provides:- Death
- £1,000.
(Child - £500 maximum)
Total Loss of one or both Eyes, or one or both
Hands, or one or both Feet: - £1,000
(Child - £1,000 maximum)
Permanent Total Disablement: - £1,000
(Child - £1,000 maximum)
Temporary Total Disablement: - £10 per week for
up to 52 weeks
(Child benefit - not available)
In the event of sickness, 1 UNIT of Benefit provides:-
Temporary Total Disablement - £10 per week for
up to 52 weeks. (Child benefit - not available) |
Pre-existing conditions.
Pregnancy, childbirth, miscarriage or abortion.
Winter Sports, mountaineering, motor cycling or
racing but may be included subject to underwriters
consideration
AIDS related complaints
In respect of sickness - the first 7 days. |
