Your Contents Insurance Policy

Thank you for choosing Homelyfe to provide your Contents Insurance which has been designed specifically for Renters.

Contents Insurance for Renters

On the following pages you will find all the important information you need about your policy including your Policy Schedule, Insurance Product Information Document, Policy Wording and Initial Disclosure Document.

If you have any questions about your quote please get in touch with us and we will be happy to help.

Telephone – 0330 058 0491

Live Chat – please visit our website.

Emailsupport@homelyfe.com

Contents

Policy Schedule

The cover provided by each section listed below is subject to the general conditions and exclusions of the Homelyfe Renters Insurance policy wording and the additional endorsements shown in this schedule. Please check the information below carefully to make sure it's correct.

Key Details

Policy number HLRPxxxxx
Policy type Home Contents
Reason for issue New Business
Date of issue dd MMM YYYY
Cover start date dd MMM YYYY
Cover end date dd MMM YYYY+1
Premium £xx.xx
Insurance Premium Tax £xx.xx
Total Amount Payable £xx.xx
Excess £100.00
Policy holder Firstname Lastname
Additional insured persons None
Insured address
1 Great Street,
Town,
A1 1AA

Cover Limits

Contents sum insured £10,000 + £1,000 tenant's liability
Accidental damage Included as standard
Legal liability £1,000,000
Fatal injury cover £5,000
Valuables and personal belongings (limit for any one item being £1,500) £1,000 in total, within the home

Sub-limits included within contents

Loss of deposit or bond £1,000
Replacement locks £500
Metered water or domestic oil in a fixed tank £500
Pedal cycles £250 inside the home
Items in outbuildings, garages or sheds £250
Money / Credit / Debit Cards £250
Frozen Food £250

Specified Items Included Within The Sums Insured

The following items have been specified, with cover provided inside and outside the home:

Item type Description Value
Item Type Description of Item x,xxx.xx

Home Contents Insurance

Insurance Product Information Document

Company
Homelyfe Limited
Product
Home Contents Policy

Homelyfe Limited is registered in England No 10455912. Authorised and regulated by the Financial Conduct Authority No 775185.

This document provides a summary of the key cover, exclusions and restrictions. It is not personalised to your individual selections. The full terms and conditions of this insurance, including the general policy limits, can be found in the policy documents which are available on request.

What is this type of insurance?

This is a home contents insurance policy to cover loss or damage to your contents caused by events such as fire, explosion, storm, flood, escape of water and theft. Cover may also vary based on the information you have provided to us.

Contents include your household goods, valuables and personal belongings within the home.

What is insured?

  • Household goods (this includes tenants fixtures and fitting, carpets and interior decorations), clothing and all other personal belongings within the home, which you own or which you are legally liable for.
  • Radio and television aerials, satellite dishes, satellite television receiving equipment, their fittings and masts which are attached to the home.
  • Items in outbuildings, garages or sheds, all used for domestic purposes, which are situated within the boundaries of the home, up to £250 in all during the period of insurance.
  • Items in the open, which are situated within the boundaries of the home, up to £250 in all during the period of insurance.
  • Money up to £250 in all during the period of insurance.
  • Pedal cycles within the private dwelling up to £250 in all during the period of insurance.
  • Metered water or domestic oil in a fixed tank, up to £500 in all during the period of insurance.
  • Office equipment used for your business, profession or trade up to 20% of the contents sum insured in all during the period of insurance.
  • Valuables within the home and outside the home (if selected) up to the limit as shown in the schedule of cover.
  • Alternative accommodation for a period of twelve months up to 30% of the contents sum insured
  • Tenant’s liability up to the amount shown in the schedule of cover, for your legal responsibility as a tenant following loss or damage to the main structure of the home, decorations or permanent fixtures.

What is not insured?

  • Wear and tear or any other gradually operating cause (for example, damp formed over a period of time due to blocked or poorly maintained guttering, or the mechanical or electrical failure of a television).
  • Loss or damage to domestic fixed fuel tanks in the open, swimming pools, tennis courts, drives, patios and terraces, gates and fences and contents in the open caused by storm, flood or weight of snow.
  • Motor vehicles, caravans, aircraft, trailers or watercraft or their accessories.
  • Existing and deliberate damage occurring before the beginning of the period of insurance or caused deliberately by you.
  • Loss or damage caused by computer virus or hacking.
  • Damage caused by domestic pets.
  • Any item insured under any other insurance.

Are there any restrictions on cover?

Certain limitations may apply to your policy. For example:

  • the excess (the amount you have to pay on any claim);
  • monetary limits for certain items or types of cover.
  • Endorsements may apply to your policy. These will be shown in your policy documents.
  • There is no cover for theft and attempted theft while your Home is lent, let or sub-let unless loss or damage follows a forcible or violent entry.
  • There is no cover for Subsidence or heave of the site upon which the buildings stand or landslip whilst the buildings are undergoing any structural repairs, structural alterations, extensions or demolition.

Where am I covered?

  • At the home you are insuring in the United Kingdom, the Channel Islands and the Isle of Man.
  • If you purchase optional valuables and personal belongings (cover away from the home), your valuables and personal belongings will be insured anywhere in the world

What are my obligations?

  • At the beginning of the period of insurance or when making changes to your policy, you must give complete and accurate answers to any questions you are asked relating to the insurance.
  • You must tell us if you become aware of any inaccuracies or changes in the information you have provided to us, whether happening before or during the period of insurance.
  • You must tell us if your circumstances change either before your policy starts or during the period of insurance. For example, if you move house, start a business from home, you change the use or you rent it out, you increase the value of your contents or rebuild of the buildings from what is shown on your schedule or if you leave your home unoccupied or unfurnished.
  • You must tell your us before you start any conversions, extensions or other structural work to the buildings.
  • You must take all reasonable steps to prevent loss, damage or an accident and keep the buildings in a good state of repair.
  • You must tell us about any event which might lead to a claim as soon as possible
  • When we are notified of a change or of any planned structural work we will tell you if this affects your policy. For example we may amend the terms of your policy or require you to pay an additional premium. In certain circumstances we may cancel your policy in accordance with the “Cancelling This Insurance” section of the policy document.
  • You must always make sure that your sums insured are adequate. If your sums insured are inadequate at the time of any loss or damage then we will proportionally reduce the amount of any claim payment made by the percentage of underpayment of premium, for example if the premium you have paid is equal to 75% of what your premium should have been on the correct sums insured then we will only pay up to 75% of any claim made by you.
  • Failure to meet your obligations could result in a claim being rejected, a reduction in the amount we pay or the cancellation of your policy.

When and how do I pay?

You can pay annually by Debit or Credit Card or Monthly by recurring card payment.

When does the cover start and end?

This insurance cover is for a 12 month period and the start date and end date of the cover are specified in your policy schedule.

How do I cancel the policy?

You can cancel this insurance at any time by contacting us. After the 14 day cooling off period,

  • If the Insurance premium is paid annually and provided you have not made a claim, you will be entitled to a refund of any premium paid, subject to a deduction for any time for which you have been covered
  • If the Insurance premium is paid monthly the cancellation will take effect from the end of the monthly billing period for which you have paid and therefore no refund will be due.

Policy Wording

Thank you for choosing Homelyfe to provide your Home Contents Insurance.

We want to help you understand your Home Contents policy and make you aware that the information you have provided is part of a legally binding contract of insurance with us.

This policy wording, the statement of fact, schedule and any endorsement applying to your policy, form your insurance document and are evidence of that contract. Please read them carefully to ensure that your cover is exactly what you need, and keep all documents in a safe place.

That policy is not complete without a policy schedule. Your policy schedule will be issued to you if your application for insurance is accepted.

Your premium has been based upon the information shown in the schedule and has been arrived at based upon the information that you have told us about you and the insured property. In generating this premium, we have not asked you about the replacement cost of the contents. Consequently, the sums insured that are shown in your schedule may not reflect the actual replacement cost of the contents.

The cover you have selected will be shown on your policy schedule and is subject to the terms, conditions and exclusions set out in this policy document and any later notices sent to you by Homelyfe. You should ensure that:

When drawing up this contract we have relied on the information and statements you have provided in your application or subsequent renewals and your premium has been based upon the information shown in the schedule.

If you are in any doubt about the level of cover provided, or if you have any questions relating to this insurance, please contact Homelyfe immediately.

Important Information about your Policy

The Law applicable to this insurance

Under the laws of the United Kingdom both you and we are free to choose the law which applies to this contract to the extent permitted by those laws. Unless you and we agree otherwise, the law which applies to this insurance is the law which applies to the part of the United Kingdom where the premises are located.

We and you have agreed that any legal proceedings between you and us in connection with this insurance will only take place in the courts of the part of the United Kingdom in which the premises are located.

The Insurers

Your insurance is provided by Homelyfe and underwritten by a consortium of the following leading insurers:-

Legal & General Insurance Limited (Registered number: 00423930) is registered in England and Wales at One Coleman Street, London EC2R 5AA.

Legal & General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

ERGO Versicherung AG (UK Branch)

ERGO Versicherung AG, UK Branch (Registered number: BR016401) is registered in England and Wales at Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ.

ERGO Versicherung AG is a German insurance company authorised by the German Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht) and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of ERGO Versicherung AG, UK Branch’s regulation by the Financial Conduct Authority and Prudential Regulation Authority are available on request.

You can check these details with the Financial Conduct Authority either on their website at www.fca.org.uk or by calling them on 0800 111 6768.

Please note that the liability of insurers is several and not joint and is limited solely to the extent of their individual proportions. The insurers are not responsible for the subscription of any co-subscribing insurer or any other insurer or co-insurer who for any reason does not satisfy all or part of its obligations. Details of each insurer’s proportionate liability will be provided upon request.

Your total peace of mind

We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if they are unable to meet their obligations to you under this contract.

Further information about this scheme is available from:

Post
Financial Services Compensation Scheme,
PO Box 300, Mitcheldean, GL17 1DY
Telephone
0800 678 1100 or 020 7741 4100
Website
FSCS Website

Things we need to tell you about

Our Agreement with you

This policy is a legal contract between you and us.

When you take out, amend, or renew your policy, we will ask various questions that are relevant to us accepting the risk of insurance, and on what terms. When you answer those questions, you are required to take care not to misrepresent any information and to give us all of the information you are asked for. If you give us incorrect or incomplete information the wrong terms may be quoted, we may be entitled to reject payment of a claim, or payment could be reduced. In certain circumstances your policy might be invalid and you may not be entitled to a refund of premium.

Our provision of insurance under your policy is conditional upon you observing and fulfilling the terms, provisions, conditions and clauses of the policy.

Please read your policy carefully to ensure it meets your needs. If you do not understand the terms, exclusions or conditions or if any information is incorrect or incomplete you must tell Homelyfe immediately.

Our use of language

Unless otherwise agreed, the contractual terms and conditions and other information relating to this contract will be expressed in the English language.

Data Privacy Notice

Homelyfe is the trading name of Homelyfe Limited. Homelyfe is the data controller of any personal information you provide to Homelyfe or personal information that has been provided to Homelyfe by a third party. Homelyfe collect and process information about you in order to arrange insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with third parties such as insurers, brokers, insurance intermediaries such as Managing General Agents, reinsurers, claims handlers, loss adjusters, credit reference agencies, service providers, professional advisors, Homelyfe’sregulators, police and government agencies or fraud prevention agencies.

Homelyfe may record telephone calls to help it monitor and improve the service it provides. For further information on how your information is used and your rights in relation to your information please see Homelyfe’s Privacy Policy. If you are providing personal data of another individual to Homelyfe, you must tell them you are providing their information to Homelyfe and show them a copy of this notice.

Definitions

Applicable to the whole of this insurance

Where the following words appear in bold in this insurance contract, they will have the meanings shown below.

Accidental Damage
Sudden, unexpected and visible damage which is not inevitable and has not been caused on purpose.
Bodily Injury
Includes death or disease.
Buildings

The home and its decorations including:

  • Fixtures and fittings attached to the home,
  • Tennis courts, swimming pools, drives, paths, patios and terraces, walls, gates and fences and fixed fuel tanks,
  • Solar panels permanently attached to the main private dwelling which you own or for which you are legally responsible within the premises named in the schedule.
Children
Your children, including adopted children, step-children and foster children. “Children” does not include lodgers or tenants.
Contents

Household goods, valuables and personal belongings, within the home, which are your property or which you are legally responsible for.

Contents include:

  • Tenants fixtures and fittings,
  • Radio and television aerials, satellite dishes, their fittings and masts which are attached to the home,
  • Contents that are within the premises shown in the schedule but not contained within the home or outbuildings at the time of loss or damage up to £250 in total (other than radio and television aerials, satellite dishes, their fittings and masts which are attached to the home),
  • Contents in outbuildings up to £250,
  • Deeds and registered bonds and other personal documents up to £1,000 in total,
  • Office equipment up to 20% of the contents sum insured in total,
  • Domestic oil in fixed fuel oil tanks up to £250,
  • Pedal cycles up to £500 per pedal cycle within the home,
  • Money and credit cards up to £250 in total,
  • Valuables and personal belongings are included in addition to the contents sum insured stated on the schedule, as follows:
    • for £1,000 in total as standard, or
    • up to a limit as stated in the schedule, and
    • for up to £1,500 for any one item, pair or set, unless otherwise stated in the schedule.

Contents does not include:

  • Motor vehicles (other than garden machinery), caravans, aircraft, trains, boats, hovercraft, wet-bikes, trailers and parts or their accessories,
  • Any living creature,
  • Any part of the buildings,
  • Any property held or used for business purposes other than as defined under office equipment,
  • Any property insured under any other insurance,
  • Landlords fixtures and fittings
Credit Cards
Includes charge cards, debit cards, banker's cards and cash dispenser cards.
Domestic Employee(s)
Any person who carries out paid domestic duties for you within your home and/or it's gardens, other than in connection with your business
Endorsement
A change in the terms and conditions of this insurance.
Excess
The amount stated in this booklet or in the schedule and payable by you in the event of a claim.
Heave
Upward and/or lateral movement of the site on which your buildings stand caused by swelling of the ground.
Home
The private dwelling and the garages and outbuildings used for domestic purposes at the premises shown in the schedule, which you are legally responsible for.
Homelyfe
The company who have been authorised by a consortium of the following leading insurers – Legal & General Insurance Limited and ERGO Versicherung AG (UK Branch) to transact business on their behalf. Homelyfe Limited is an Appointed Representative of Vibe MGA Management Ltd who is authorised and regulated by the Financial Conduct Authority. Homelyfe Limited is registered in England (No: 10455912), 25 Christopher St, Ground Floor, London, EC2A 2BS
Landslip
Downward movement of sloping ground.
Money
  • Current legal tender, cheques, postal and money orders,
  • Postage stamps not forming part of a stamp collection,
  • Savings stamps and savings certificates, travellers' cheques,
  • Premium bonds, luncheon vouchers and gift tokens, all held for private or domestic purposes.
Occupant
A person or persons authorised by you to stay in the home
Office Equipment

Office equipment used in conjunction with your business in the home which belongs to you or for which you are legally responsible.

Office equipment includes:

  • Furniture,
  • Computers and associated equipment
  • Printers,
  • Fax machines and modems,
  • Photocopiers and scanners,
  • Phone equipment.

Office equipment does not include:

  • Loss of magnetism or corruption of data;
  • Compensation for you not being able to use the office equipment ;
  • Equipment more specifically insured by any other insurance;
  • The cost of reconstituting any lost or damaged data;
  • More than £1,000 in respect of stock or goods held for business purposes;
  • Money held for business purposes;
  • Loss or damage following the equipment being confiscated or repossessed;
  • Loss or damage to computer software
Outbuildings

Garden sheds, summer houses, greenhouses or other similar structures on a permanent foundation and used for domestic purposes.

Unless otherwise agreed, outbuildings do not include:

  • Tree houses
  • Inflatable buildings; or
  • Any structure which is made of canvas, PVC or any other non-rigid material.
Period of Insurance
The length of time for which this insurance is in force, as shown in the schedule and for which you have paid and we have accepted a premium.
Personal Belongings

Personal belongings are items that belong to you and are normally worn or carried on the person.

Personal belongings includes:

  • Luggage,
  • Clothing,
  • Portable computer equipment up to £1,500 any one item,
  • Sports, musical, camping and photographic equipment,

Personal belongings does not include:

  • Mobile phones
  • Tools used or held for business, professional or trade purposes,
  • Valuables,
  • Contact or corneal lenses or hearing aids unless otherwise specified in the schedule,
  • Pedal cycles,
  • Any property insured under any other insurance.
Sanitary Ware
Washbasins, sinks, bidets, lavatory pans and cisterns, shower trays, shower screens, baths and bath panels.
Schedule
The schedule is part of this insurance and contains details of you, the premises, the sums insured, the period of insurance and the sections of this insurance which apply.
Settlement
Downward movement as a result of soil being compressed by the weight of the buildings within ten years of construction.
Standard Construction
The buildings which are constructed of brick, stone or concrete and roofed with slates, tiles, metal or concrete.
Subsidence
Downward movement of the site on which your buildings stand by a cause other than the weight of the buildings themselves.
United Kingdom
The 'United Kingdom' includes England, Wales, Scotland, Northern Ireland, the Isle of Man and the Channel Islands, and journeys between these countries.
Unfurnished
Where the main buildings are not furnished enough for you to live in.
Unoccupied
Where the buildings have not been lived in by you for more than 30 consecutive days during the period of insurance.
Valuables
Items of gold, silver or other precious metals, jewellery and furs, and other collections (paintings, works of art etc.) which belong to you or are your legal responsibility.
We/Us/Our
The Insurer(s) stated in the schedule.
You/Your/Insured
The person or persons aged over 18 named in the schedule and all their children who permanently live in the home

What To Do If You Have an Enquiry

Enquiries

Policy Administration Enquiries

If you have any questions or concerns about your policy administration and documents, you should contact

Post
Homelyfe
25 Christopher St, Ground Floor, London, EC2A 2BS
Email
support@homelyfe.com
Telephone
0330 058 0491

Claims Administration Enquiries

If you have any questions or concerns about a claim or its administration, you should contact

Post
Homelyfe Claims Team, Davies Group Limited,
PO Box 2801, Hanley, Stoke on Trent, Staffordshire, ST4 9DN
Email
newclaims.homelyfe@davies-group.com
Telephone
0330 058 0472

What To Do If You Have a Complaint

Our aim is to ensure that all aspects of your insurance are dealt with promptly, efficiently and fairly. At all times we are committed to providing you with the highest standard of service. However, there may be occasions when you feel this objective has not been achieved. If you have a complaint about your policy or the handling of a claim, the details below set out some of the key steps that you can take to address your concerns.

Where Do I Start?

Policy Administration Issues

If your complaint is about the way in which the policy was sold to you or whether it meets your requirements, you should contact

Post
Chief Customer Officer, Homelyfe,
25 Christopher St, Ground Floor, London, EC2A 2BS
Email
support@homelyfe.com
Telephone
0330 058 0492

If you have another complaint related to your policy, you should contact:

Post
Complaints Officer, Pen Underwriting,
7th Floor Spectrum Building, 55 Blythswood Street, Glasgow, G2 8JH
Email
pencomplaints@penunderwriting.com
Telephone
0141 285 3539

Please quote your policy number in all correspondence so that your concerns may be dealt with speedily.

What Happens Next?

Homelyfe, Pen Underwriting and Davies Group Limited internal complaints handling procedures ensure that they are fully compliant with the regulations laid out by the Financial Conduct Authority and therefore should you register a complaint you can be assured that they will:

If You Remain Unhappy

If you remain dissatisfied, you may refer the matter at any time to the Financial Ombudsman Service which is an independent body that arbitrates on complaints. They can be contacted at the following address:

Post
The Financial Ombudsman Service,
Exchange Tower, London, E14 9SR
Telephone
0300 123 9 123 or 0800 0234 567
Email
complaint.info@financial-ombudsman.org.uk
Website
Financial Ombudsman Website

The FOS is an independent service in the UK for settling disputes between consumers and businesses providing financial services. You can find out more information on the Financial Ombudsman Website

If you have purchased your policy online you can also make a complaint via the EU's online dispute resolution (ODR) platform

Your rights as a customer to take legal action are not affected by the existence or use of the complaints procedure mentioned above.  However, the Financial Ombudsman Service may not adjudicate on a case where court proceedings are actively in progress.

You have six months from the date of our final response to refer to the Financial Ombudsman Service.

In all communications the policy/certificate number appearing in the schedule should be quoted.

Cancelling this Policy

Within the Cooling-off Period

If after reading through your insurance policy you decide not to proceed with this insurance, you have the right to cancel back to the start of the period of insurance without giving any reason, providing your cancellation request is submitted to Homelyfe within 14 days of either:

whichever is the latter.

Providing no claim has been made we will refund your premium in full.

To submit your cancellation request, please login to your account on the Homelyfe website and select the policy you wish to cancel and then follow the cancellation instructions.

Outside of the Cooling-off Period

If you wish to cancel your policy after 14 days you can do so at any time submitting a cancellation request.

On policies where the annual premium has been paid in full, a refund of premium will be calculated the date of the cancellation request on a pro-rata basis, providing no claims have been made.

On policies where the premium is paid by monthly payments the cancellation will take effect from the end of the monthly billing period for which you have paid and therefore no refund will be due.

To submit your cancellation request, please login to your account on the Homelyfe website and select the policy you wish to cancel and then follow the cancellation instructions.

Important Notice

If a claim has been submitted or there has been any incident likely to give rise to a claim during the current. period of insurance and;

This will not affect your right to make a claim for any event that happened before the cancellation date.

Our right to cancel this Policy

We can cancel your policy by giving you 30 days written notice at your last known address and/or email address. We will only cancel this policy or any part of it for a valid reason, such as:

Please also see the Fraud conditions and the Change in Circumstances conditions in the General Conditions section of this policy.

Where possible, we will try to seek an opportunity to resolve the matter with you.

If we cancel the policy we will refund premiums already paid for the remainder of the current period of insurance based on a proportional daily rate depending on how long this insurance has been in force.

Claims Procedure

Although we hope that you will never need to make a claim on your insurance policy, we have made everything as simple and straightforward as possible should you ever need to use our claims service.

How to make a claim

When an accident happens, you should take any immediate action you think is necessary to protect your property and belongings from further damage, such as switching off the gas, electricity or water.

If you need to make a claim under this policy, please contact us straight away at:

Post
Homelyfe Claims Team, Davies Group Limited,
PO Box 2801, Hanley, Stoke on Trent, Staffordshire, ST4 9DN
Email
newclaims.homelyfe@davies-group.com
Telephone
0330 058 0472

(Please note that claims are administered on our behalf by Davies Group Limited)

To help us deal with your claim quickly we may require you to provide us with assistance and evidence that we require concerning the cause and value of any claim. Ideally, as part of the initial notification, you will provide:

This information will enable us to make an initial evaluation on policy liability and claim value.

When you call us, we may:

For contents or valuables and personal belongings claims, if an authorised repairer or supplier is used:

Payments

Where payment of premium is not made, any cover otherwise provided by this insurance will be inoperative from the date the premium was due.

If a claim has been submitted or there has been any incident likely to give rise to a claim during the current period of insurance, you must continue with the monthly payments throughout the remaining period of insurance, or pay the remaining premium in full. If you fail to do so a claim may be rejected or payment could be reduced.

Claims Terms and Conditions

Applicable to the whole of this insurance

These are the claims terms and conditions which you and your children will need to keep to as your part of the contract. If you do not, a claim may be rejected or payment could be reduced. In some circumstances your policy might be invalid.

If anything happens which might lead to a claim, what you must do depends on what has happened. The sooner you tell us the better. In some cases, there are other people you must contact first.

How we deal with your claim

We may request additional information depending upon circumstances and value which may include the following:

We may need to get into a building that has been damaged to salvage anything we can and to make sure no more damage happens. You must help us to do this but you must not abandon your property to us.

We have the right, if we choose, in your name but at our expenses to:

You must provide us with any information and assistance as we may require about any claim. You must help us to take legal action against anyone or help defend any legal action if we ask you to.

Other Insurance

If, at the time of any loss, damage or liability covered under this insurance, there is any other policy on force, insuring the same loss, damage or liability covered by this policy; we shall only be liable for our proportional share.

General Conditions

Applicable to the whole of this insurance

These are the conditions of the insurance you and your children will need to meet as your part of the contract. If you do not, a claim may be rejected or payment could be reduced. In some circumstances your policy might become invalid.

Each home included under this insurance is considered to be covered as if separately insured.

Take Care

You must take care to provide complete and accurate answers to the questions we ask when you take out, amend, and renew your policy.

You must take care to avoid any accident and to prevent loss or damage to everything which is covered by this insurance and to keep all the property insured in good condition and in a good state of repair.

You must always make sure that the sums insured shown in your schedule are adequate. Contents should be insured for no less than the full cost of replacement as new.

Changes in Circumstances

You must tell Homelyfe within 14 days as soon as you know about any of the following changes:

When Homelyfe are notified of a change, Homelyfe will tell you whether this affects your policy. For example whether we are able to accept the change and if so, whether the change will result in revised terms and/or a revised premium being applied to your policy. If we are not able to accept the change and it becomes necessary to cancel this insurance, we will do so as described within the cancellation conditions contained within this policy.

If you do not tell us about changes or give us incorrect information, the wrong terms may be quoted, we may be entitled to reject payment of a claim or a payment could be reduced. In some circumstances your policy might be invalid, and you may not be entitled to a refund of premium.

Transfer of Interest

You cannot transfer your interest in the policy without our written permission.

Fraud

You must not act in a fraudulent manner, if you or anyone acting for you:

Then:

Important Notice

Please note that if the information provided by you is not complete and accurate, we may:-

General Exclusions

Applicable to the whole of this insurance

1. Radioactive Contamination and Nuclear Assemblies Exclusion

We will not pay for:

  1. Loss or destruction of or damage to any property whatsoever, or any loss or expenses whatsoever resulting or arising there from, and
  2. Any legal liability of whatsoever nature,

directly or indirectly caused by or contributed to by or arising from:

2. War Exclusion

We will not pay for any loss or damage or liability directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority.

3. Existing and Deliberate Damage Exclusion

We will not pay for loss or damage:

4. Pollution or Contamination Exclusion

We will not pay for loss, damage or liability of any kind directly or indirectly caused by or arising out of pollution and/or contamination other than:

in which all such pollution and/or contamination arising out of such accident shall be deemed to have happened at the time of such accident.

5. Contract (Rights of Third Parties) Act 1999 Clarification Clause

A person who is not a party to this insurance has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this insurance but this does not affect any right or remedy of a third party which exists or is available apart from that Act.

6. Electronic Data Exclusion

We will not pay for:

  1. Loss or destruction of or damage to any property whatsoever, or any loss or expenses whatsoever resulting or arising there from, and
  2. Any legal liability of whatsoever nature,

directly or indirectly caused by or contributed to by or arising from:

For the purpose of this exclusion 'computer virus' means a corrupting instruction from an unauthorised source that propagates itself via a computer system or network.

7. Terrorism Exclusion

We will not pay for any loss, damage, liability, cost or expense of any kind directly or indirectly caused by, resulting from or in connection with any act of terrorism.

For the purpose of this exclusion, 'terrorism' means the use, or threat of use, of biological, chemical and/or nuclear force or contamination by any person(s), whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government(s) or put any section of the public in fear.

8. Confiscation Exclusion

We will not pay for loss, damage or liability occasioned by or happening through confiscation or detention by customs or other officials or authorities.

9. Loss of Value

We will not pay for any reduction in market value of any property following its repair or reinstatement.

10. Indirect Loss or Damage

We will not pay for any loss or damage that is not directly associated with the incident that caused you to claim, except where that lossordamage is expressly included within this insurance.

11. Wear and Tear Exclusion

We will not pay for any loss, damage, liability, cost or expense of any kind directly or indirectly caused by or resulting from wear and tear, depreciation, corrosion, rusting, damp, rising damp, rising water table, insects, vermin, fungus, condensation, rot, fading, frost or anything that happens gradually, the process of cleaning, dyeing, repair, alteration, renovation, restoration or anything reaching the end of its serviceable life.

12. Financial Sanctions

We will not provide any cover or be liable to provide any indemnity, payment or other benefit under this policy where doing so would breach any prohibition or restriction imposed by law or regulation.

If any such prohibition or restriction takes effect during the period of insurance, we may cancel this policy immediately by giving you written notice at your last known address. If we cancel the policy we will refund premiums already paid for the remainder of the current period of insurance, provided no claims have been paid or are outstanding.

13. Defective Design or Construction Exclusion

We will not pay for any loss, damage, liability, cost or expense of any kind caused by or resulting from poor or faulty design, workmanship or use of faulty materials.

Contents Section – Insured Events

What is covered: What is not covered:
Loss or damage to your contents during the period of insurance caused by the following insured events:
  • Any cause already excluded within the General Exclusions.
  • The excess shown in your schedule
  1. Fire, smoke, lightning, explosion or earthquake.
  1. Aircraft and other flying devices or items dropped from them.
  1. Storm, flood or weight of snow.
  • Damage caused by a rise in the water table (the level below which the ground is completely saturated with water),
  • Contents that are located within the premises shown in the schedule but not contained within the home or outbuildings at the time of loss or damage.
  1. Escape of water from and frost damage to fixed water tanks, heating installation, apparatus or pipes.
  • Loss or damage to the installation itself,
  • Loss or damage caused by failure of or lack of sealant and/or grout.
  1. Escape of oil from a fixed domestic oil-fired heating installation and smoke damage caused by a fault in any fixed domestic heating installation.
  • Loss or damage to the installation itself.
  1. Theft or attempted theft.
  • Loss or damage unless it follows forcible and violent entry to or exit from the home,
  • Loss where property is obtained by any person using any form of payment which proves to be counterfeit, false, fraudulent, invalid, uncollectible, irrecoverable or irredeemable for any reason,
  • Any amount exceeding £250 for contents in any garage or outbuilding unless specified in the schedule.
  1. Collision or impact by any vehicle or animal.
  • Loss or damage caused by insects, birds, vermin or domestic pets.
  1. Riot, violent disorder, strike, labour disturbance, civil commotion or malicious acts.
  1. Subsidence or heave of the site upon which the buildings stand or landslip.
  • Loss or damage whilst the buildings are undergoing any structural repairs, alterations or extensions,
  • Loss or damage caused by river or coastal erosion,
  • Loss or damage to solid floors, unless the walls of the home are damaged at the same time by the same event,
  • Loss or damage which but for the existence of this insurance would be covered under any contract or a guarantee or by law.
  1. Falling trees, branches, telegraph poles or lamp-posts.
  • Loss or damage caused by trees being cut down or cut back, within the boundary of the buildings.

Contents Section – Cover

What is covered: What is not covered:
Loss or damage to your contents during the period of insurance caused by the following insured events:
  • Any cause already excluded within the General Exclusions.
  • The excess shown in your schedule.
  1. The cost of accidental damage to:
  • Television sets (including digital and satellite receivers),
  • Audio, video, games consoles, DVD players/recorders,
  • Radios,
  • Home computers and associated equipment,
  • Receiving aerials, dishes and closed circuit television cameras, situated within the home.
  • Damage to video cameras, digital cameras or digital imaging or recording equipment designed to be hand held or carried, portable audio equipment, laptop computers and musical instruments,
  • Loss or damage caused by domestic pets,
  • Loss or damage to tapes, records, cassettes, discs, DVD's or computer software,
  • Mechanical or electrical faults or breakdown,
  • Damage caused from light, or atmospheric or climatic conditions,
  • Damage caused by scratching or denting,
  • Damage caused by computer viruses.
  1. Loss or damage to office equipment
  • More than 20% of the Contents sum insured in any period of insurance unless stated in the schedule,
  • Compensation for you not being able to use the office equipment,
  • Loss of magnetism or corruption of data,
  • Loss or damage following the equipment being confiscated or repossessed,
  • The cost of reconstituting any lost or damaged data,
  • More than £1,000 in respect of stock,
  • Loss or damage to any money held for business purposes,
  • Loss or damage to computer software,
  • Property more specifically insured elsewhere.
  1. If you have to move out of your home because of any loss or damage covered under Section One, we will pay you for one of the following expenses or losses we have agreed to:

    • The cost of alternative accommodation for the time You cannot live in your home,
    • An amount equal to the rent which you pay while you are not living in your home.

    We will only pay under this Section for the period your home is unfit to live in.

  • More than 30% of the Contents sum insured in any period of insurance
  1. The contents, if these are not already insured elsewhere whilst they are temporarily out of the home against loss or damage directly caused by:

    1. The insured events 1-10 listed in under Section one, while the contents are:

      • In any occupied private dwelling
      • In any buildings where you are living or working,
      • In any building for valuation, cleaning or repair,
      • In any furniture store,
      • In any bank or safe deposit.
    2. Fire, lightning, explosion, earthquake, theft or attempted theft while the contents are being moved to your new home or to or from any bank, safe deposit or furniture store.

  • Contents outside the United Kingdom,
  • Money or credit cards,
  • Any amount over 20% of the sum insured under Section One for contents in a furniture store.
  1. Loss or damage to contents belonging to visitors as a result of the insured events 1-10 listed in under section one.
  • Loss or damage to contents which are covered by any other insurance,
  • Loss or damage to contents belonging to a paying guest or lodger,
  • More than £150 for any one visitor.
  1. Fatal injury to you, happening at the premises shown in the schedule, caused by outward and visible violence by burglars or by fire, provided that death ensues within twelve months of such injury.
  • More than £5,000 for each insured with no policy excess applying.
  1. Costs you have to pay for replacing locks to safes, alarms and outside doors in the home following theft or loss of your keys anywhere in the world.
  • More than £500 in total.
  1. Increased metered water charges you have to pay following an escape of water which gives rise to an admitted claim under insured event of section one.
  • More than £250 in any period of insurance.
  1. Accidental damage to: mirrors, glass or ceramic tops to furniture and fixed glass in furniture.
  1. Amounts that you become legally liable to pay under a tenancy agreement for loss or damage caused by the insured events 1-10 listed in under section one.

    We will only provide this cover if the loss or damage occurs during the period of insurance.

    If you die, we will pay all amounts your personal representatives become legally liable to pay for liability under this section.

  • Any amount over 20% of the sum insured for contents specified in the schedule.
  1. The cost of replacing electronic information you have bought and stored on equipment within your home and that is lost or damaged by the insured events 1-10 listed in under section one.
  • The cost of remaking a file, tape or disk,
  • The cost of rewriting the electronic information,
  • More than £250 in any one period of insurance,
  • The cost of any information stored for business purpose use.
  1. The cost of replacing your food in your refrigerator or freezer if it is spoiled due to a change in temperature or contaminated by refrigeration fumes during the period of insurance.
  • Loss or damage caused by any electricity or gas company deliberately cutting off or restoring your supply,
  • Loss or damage due to the failure of your electricity or gas supply caused by a strike or any other industrial action,
  • Loss or damage caused where you have not complied with the operating instructions set out in the manufacturers hand book,
  • Loss or damage unless you tell us within 48 hours of discovery,
  • More than £250 in any one period of insurance.
  1. Damage to the contents caused by forced access to deal with a medical emergency or to prevent damage to the home.
  • More than £1,000 in any one period of insurance.
  1. Loss of deposit or bond: If you lose the deposit or bond which you paid to your landlord or letting agent at the start of your tenancy agreement because your landlord or letting agent have gone out of business or absconded and the monies are not recoverable.
  • Loss or damage due to disputes relating to the amount of deposit or bond, in full or part, which is to be repaid at the end of your tenancy,
  • More than £1,000 in any one period of insurance
  1. Loss or damage due to accidental damage to the contents of the home
  • Damage or any proportion of damage which we specifically exclude elsewhere under Section One,
  • More than £1,000 in total for porcelain, china, glass and other brittle articles,
  • Money, credit cards, documents or stamps,
  • Damage to contact, corneal or micro corneal lenses
  • Damage caused by domestic pets.
We will pay for your legal liability: We will not pay for your legal liability:
  • Any cause already excluded within the General Exclusions.
  1. As occupier for any amounts you become legally liable for as damages for:

    • Bodily injury
    • Damage to property

    Caused by an accident happening at the premises during the period of insurance,

    Or

  2. As a private individual for any amounts you become legally liable to pay as damages for:

    • Bodily injury
    • Damage to property

    Caused by an accident happening anywhere in the world during the period of insurance

We will pay up to £2,000,000 for any one accident or series of accidents arising out of any one event. In addition, we will also pay any costs and expenses we have agreed in writing.

  1. For bodily injury to:
    • You
    • Any other permanent member of the home
    • Any person who at the time of sustaining injury is engaged in your service
  2. For bodily injury arising directly or indirectly from any communicable disease or condition
  3. Arising out of any criminal or violent act to another person or property
  4. For damage to property owned by or in the charge or control of:
    • you
    • any other permanent member of the home
    • any person engaged in your service
  5. in Canada or the United States of America after the total period of stay in either or both countries has exceeded 30 days in the period of insurance
  6. arising directly or indirectly out of any profession, occupation, business or employment
  7. which you have assumed under contract and which would not otherwise have attached
  8. arising out of your ownership, possession or use of:
    1. any motorised or horsedrawn vehicle other than:
      • domestic gardening equipment used within the premises and
      • pedestrian controlled gardening equipment used elsewhere
    2. any power-operated lift other than stairlifts
    3. anyaircraft (including but not limited to model aircraft, gliders, hang-gliders, microlights and drones), hovercraft or watercraft other than rowing boats or canoes
    4. any animal other than cats, horses, or dogs which are not designated as dangerous under the Dangerous Dogs Act 1991, The Dangerous Dogs (Northern Ireland) Order 1991 or Dangerous Dogs Amendment 1997 or any amending legislation
  9. in respect of any kind of pollution and/or contamination other than:
    1. caused by a sudden, identified, unexpected and unforeseen accident which happens in its entirety at a specific moment of time during the period of insurance at the premises named in the schedule ; and
    2. reported to us not later than 30 days from the end of the period of insurance; in which case all such pollution and/or contamination arising out of such accident shall be deemed to have happened at the time of such accident
  10. arising out of your ownership, occupation, possession or use of any land or building that is not within the premises
  11. if you are entitled to indemnity under any other insurance, until such insurance(s) is exhausted
What is covered: What is not covered:
  • Any cause already excluded within the General Exclusions.

Sums which you have been awarded by a court in the United Kingdom and which still remain outstanding three months after the award has been made provided that:

  • Part (ii) of your Legal Liability (as occupier of the home) would have indemnified you had the award been made against you rather than to you
  • There is no appeal pending
  • You agree to allow us to enforce any right which we shall become entitled to upon making payment
  • More than £100,000 for any claim or series of claims during the period of insurance.

Accidents to Domestic Employees

What is covered: What is not covered:
  • Any cause already excluded within the General Exclusions.
We will pay all amounts you become legally liable to pay, including costs and expenses which we have agreed in writing, for accidental bodily injury to domestic employees happening during the period of insurance in connection with incidents arising at the home. We will pay up to £5,000,000 for any one claim or series of claims arising out of any one incident, including the costs and expenses that we have agreed in writing.

Bodily injury arising directly or indirectly:

  • From any communicable disease or condition,
  • From the ownership or occupation of any land or buildings other than the home,
  • Where you are entitled to cover from another source,
  • From any trade or business activity,
  • From you owning or using any:
    1. Power-operated lift,
    2. Mechanically-propelled vehicle or horse-drawn vehicle (other than domestic garden equipment not licensed for road use),
    3. Any aircraft (including but not limited to model aircraft, gliders, hang-gliders, microlights and drones), hovercraft or watercraft other than rowing boats or canoes,
    4. Caravan or trailer,
    5. Animals other than your pets,
    6. Dangerous dogs specified under Section 1 of the Dangerous Dogs Act 1991 or Article 3 of the Dangerous Dogs (Northern Ireland) Order 1991.
  • From firearms (except shotguns used for sporting purposes),
  • The direct or indirect consequences of assault or alleged assault,
  • Any deliberate, wilful or malicious act.

Important Notices

Dangerous Dogs Act 1991
The Dangerous Dogs Act 1991 imposes certain requirements on specific types of dog. It also places requirements in relation to dogs which are, as described by the Act, dangerously out of control. For further guidance please see the Office of Public Sector Information website (www.opsi.gov.uk) or contact the Citizens Advice Bureau.
Defective Premises Act 1972
The Defective Premises Act 1972 imposes duties in connection with the provision of dwellings and imposes liability for injury or damage caused to persons through defects in the state of the premises. Section 3 of the Defective Premises Act 1972 (or in Northern Ireland Section 5 Defective Premises Northern Ireland Order 1975) extends the duty of care in certain circumstances after the dwellings have been disposed of. For further guidance please see the Office of Public Sector Information website (www.opsi.gov.uk) or contact the Citizens Advice Bureau.

Contents Section

Conditions that apply to the Contents Section

How we deal with your claim

If you claim for loss or damage to the contents, we will repair, replace or pay for any article covered under Section One.

  1. Where the damage can be economically repaired we will pay the cost of repair;
  2. Where the damage cannot be economically repaired and the damaged or lost item can be replaced, we will replace it. If a replacement is not available we will replace it with an item of similar quality;
  3. Where we are unable economically to repair or replace an item with an item of similar quality, we will agree a cash payment with you based on the replacement value;
  4. Where we can offer repair or replacement through a preferred supplier, but instead you request and we agree to pay a cash settlement, then the amount will not normally exceed what we would have paid our preferred supplier.

The above basis of settlement will not apply to:

where we will take an amount off for wear and tear.

We will not pay the cost or replacing or repairing any undamaged parts of the contents which form part of a pair, set, suite or part of a common design or function when the loss or damage is restricted to a clearly identifiable area or specific part.

Your sum insured

Your contents must be insured for the full cost of replacement as new.

We will not pay any more than the sum insured for the contents of each premises shown in the schedule.

Proportionate Remedy

If the cost of replacing or repairing the contents is more than your sum insured at the time of any loss or damage, then we will proportionally reduce the amount of any claim payment made by the percentage of under payment of premium which has arisen as a result of the shortfall in sum insured. For example, if the premium you have paid for your contents is equal to 75% of what your premium would have been if your contents sum insured was enough to replace the entire contents of your home as new, then we will pay up to 75% of any claim made by you.

Maintaining the sum insured

After we have settled a claim, we will not reduce your sum insured on your contents, as long as you take the measures we suggest to prevent any further loss or damage.

We will not charge any extra premium for maintaining the sum insured.

Cover Away from the Home: Valuables and Personal Belongings Section

The following cover applies only if the schedule shows that cover away from the home is included for valuables and personal belongings:

What is covered: What is not covered:
  • Any cause already excluded within the General Exclusions.
  • The excess shown in your schedule
Accidental loss, damage or theft of your valuables and personal belongings listed in the schedule occurring during the period of insurance when in the United Kingdom or when elsewhere in the world during a temporary visit not exceeding 60 days in any one period of insurance.
  • Damage caused by moth, vermin or rot,
  • Damage from electrical or mechanical faults or breakdown,
  • More than £1,500 for any one item (including articles forming a pair or set) unless stated otherwise in the schedule or the specification(s) attached to the schedule,
  • Damage or deterioration of any article caused by dyeing, cleaning, repair, maintenance, renovation or whilst being worked upon,
  • Damage to guns caused by rusting or bursting barrels,
  • Breakage of any sports equipment whilst in use,
  • Theft or disappearance of jewellery from baggage unless such baggage is carried by hand and under your personal supervision,
  • More than £500 in total in respect of theft or disappearance of property from any vehicle when such vehicle is left unattended without an authorised occupant,
  • More than £1,000 in total in respect of theft or disappearance of jewellery from hotel or motel rooms during your absence from such rooms,
  • Loss or damage caused by domestic pets,
  • Riot or civil commotion outside the United Kingdom,
  • Depreciation in value.

Theft or accidental loss of money or fraudulent use of your credit card(s).

Any amounts which you become legally liable to pay as a result of unauthorised use following loss or theft of your credit card(s).

Provided that within 24 hours of you discovering any such loss or theft, you have notified the card

  • Any shortages due to error or omission,
  • Loss of value,
  • More than £250 in total, any one event,
  • Loss where conditions under which your credit card(s) were issued to you have been breached.
issuing company and the Police.
Where you have reported your credit card(s), cheque card or cash dispenser card for unauthorised or fraudulent use, in most circumstances you will only be liable for the first £50 of the claim.

Conditions that apply to Cover Away from the Home: Valuables and Personal Belongings Section

How we deal with your claim

We will repair, replace or pay for any article covered under Cover Away from the Home: Valuables and Personal Belongings Section.

For total loss or destruction of any article we will pay you the cost of replacing the article as new as long as:

The above basis of settlement will not apply to:

where we will take off an amount for wear and tear.

We will not pay the cost of replacing or repairing any undamaged parts of items which form part of a pair, set, suite or part of a common design or function when the loss or damage is restricted to a clearly identifiable area or to a specific part.

We can settle your claim by repairing, replacing, rebuilding or payment. Where we can offer repair or replacement via our preferred supplier but agree a cash settlement the payment will not exceed the discounted repair or replacement price we would pay.

Your sum insured

The most we will pay under Cover Away from the Home: Valuables and Personal Belongings Section is the sum insured shown on the schedule.

The most we will pay for any one item under Cover Away from the Home: Valuables and Personal Belongings Section is £1,500 unless otherwise stated in the schedule.

Proportionate remedy

If the cost of replacing or repairing the valuables and personal belongings is more than your sum insured at the time of any loss or damage, then we will proportionally reduce the amount of any claim payment made by the percentage of under payment of premium which has arisen as a result of the shortfall in sum insured. For example, if the premium you have paid for your valuables and personal belongings is equal to 75% of what your premium would have been if your valuables and personal belongings sum insured was enough to replace them as new, then we will pay up to 75% of any claim made by you.

Cover Away from the Home: Pedal Cycles Section

The following cover applies only if the schedule shows that pedal cycles are included:

What is covered: What is not covered:
  • Any cause already excluded within the General Exclusions.
  • The excess shown in your schedule

This insurance extends to cover the cost of repairing or replacing your pedal cycle(s) (as shown in the schedule ) following:

  • Theft or attempted theft,
  • Accidental damage, Anywhere in the United Kingdom, and up to 60 days elsewhere in the world during a temporary visit during the period of insurance.
  • Loss or damage to tyres, lamps or accessories unless the cycle is stolen or damaged at the same time,
  • Damage from mechanical or electrical faults or breakdown,
  • Loss or damage while the cycle is used for racing or pace-making or is let out on hire or is used other than for private purposes,
  • Theft unless it was locked to an immovable object or kept in a locked building at the time of the theft,
  • More than the sum insured shown in the schedule,
  • Theft by fraudulent means.

Conditions that apply to Cover Away from the Home: Pedal Cycles Section

How we deal with your claim

  1. Where the damage can be repaired economically we will pay the cost of the repair;
  2. Where the damage cannot be economically repaired and the lost or damaged pedal cycle can be replaced we will pay the replacement cost;
  3. If a replacement is not available we will replace it with a pedal cycle of similar quality;
  4. Where we are unable to economically repair or replace the pedal cycle with one of similar quality we will make a cash payment equal to an agreed replacement value;
  5. We will settle your claim less any excess subject to any limit shown in the schedule.

Where we can offer repair or replacement via our preferred supplier but agree a cash settlement the payment will not exceed the discounted repair or replacement price we would pay.

Your sum insured

The most we will pay under Cover Away from the Home: Pedal Cycles Section is the sum insured shown on the schedule.

The most we will pay for any one item under Cover Away from the Home: Pedal Cycles Section is £1,500 unless otherwise stated in the schedule.

Proportionate remedy

If the cost of replacing or repairing the pedal cycle is more than your sum insured at the time of any loss or damage, then we will proportionally reduce the amount of any claim payment made by the percentage of under payment of premium which has arisen as a result of the shortfall in sum insured. For example if your premium you have paid for your pedal cycle is equal to 75% of what your premium would have been if your pedal cycle sum insured was enough to replace it as new, then we will pay up to 75% of any claim made by you.

Homelyfe – Initial Disclosure Document

1. About Us

Homelyfe Limited is an Appointed Representative of Vibe MGA Management Limited who are authorised and regulated by the Financial Conduct Authority No 775185. You can check this on the FCA Register on FCA’s website or by contacting the FCA on 0800 111 6768. Homelyfe is an insurance intermediary.

Homelyfe Limited: Registered office: 25 Christopher Street, Ground Floor, London, EC2A 2BS. Registered in England No. 10455912.

2. Whose products do we offer?

Your insurance is provided by Homelyfe and underwritten by a consortium of the following leading insurers:

3. Which service will we provide you with?

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

4. What will you have to pay us for our services?

We will receive our remuneration by the following methods:

All instructions which we receive verbally or in writing from you or your representative are binding. Any remuneration arising from such instructions will be deemed to be earned in full. For the avoidance of doubt once our remuneration has been earned, in the event that the insurance is cancelled after inception, our fees or brokerage may not be returnable.

5. Protecting your money

We have obtained agreement from the insurer(s), with whom our business is placed, that insurance premiums held by us will be insurer monies, and not client monies. This arrangement is known as “risk transfer”. This agency agreement is in respect of all premiums received from you, all refunds of premiums due to you, as well as claim payments due to you. This means that once your premium has been paid to us it is deemed to have been paid to the insurer.

We will deduct any commission entitlements before paying premiums to the insurer.

6. Data Protection

Where personal information is collected about individuals in connection with the arranging of insurance, this information will be collected and processed in accordance with the Homelyfe Privacy Policy. Alternatively, you can contact us for a copy.

7. What to do if you have a complaint?

If you wish to register a complaint, please contact us:

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

OR via the Online Dispute Resolution Website

The Online Dispute Resolution website is an official website managed by the European Commission dedicated to helping consumers and traders resolve their disputes out-of-court. If you have had a problem with something that you have bought on line, you can use this site if you live in the EU and the trader is based in the EU.

8. Are we covered by the Financial Services Compensation Scheme (FSCS)?

Homelyfe and Vibe MGA Management Limited are covered by the FSCS. You may be entitled to compensation from the scheme if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.

9. Meeting your Demands and Needs

The Homelyfe Contents Insurance product meets the demands and needs of those who wish to insure their contents against loss or damage and to protect themselves against liabilities arising from their home.