Your Policy Documents

Here are your Policy documents for your Homelyfe Home Insurance policy. It's split into three sections.

  1. Policy schedule

    Personalised to you, this is an outline showing your details, and the limits and sums of your cover.

  2. Insurance Product Information Document

    This is a summary of the policy features, in easy to understand terms.

  3. Full wording

    The policy wording is the full contract document and contains all the details of your cover.

Your quote reference is HLHHNSP27921Q. If you have any questions about your cover don't hesitate to get in touch at support@homelyfe.com.

Policy schedule

The cover provided by each section listed below is subject to the general conditions and exclusions of the Homelyfe Standard Home Insurance policy wording and the additional endorsements shown in this schedule.

Quote Number
HLHHxxxxxxxx
Reason for issue
New Business
Insured person
Firstname Lastname
Insured address
1 Great Road,
Town,
A1 1AA
Correspondence address
1 Great Road,
Town,
A1 1AA
Number of bedrooms
x
Date of Issue
dd MMM YYYY
Start Date
dd MMM YYYY
End Date
dd MMM YYYY+1

Premium

Sections 1–5
£xx.xx
Section 6 – Family Legal Solutions
£xx.xx
Insurance Premium Tax 12%
£xx.xx
Total Premium
£xx.xx

Cover Limits

Section 1 – Buildings

Buildings sum insured
£750,000.00
Extended accidental damage
Not insured
Legal liability as occupier of the home
£2,000,000.00

Sub-limits included within Section 1 – Buildings

Outbuildings
£5,000

Section 2 – Contents

Contents sum insured (including valuables)
£75,000.00
Extended accidental damage
Not insured
Legal liability as occupier of the home
£2,000,000.00
Accidents to domestic employees
£5,000,000.00

Sub-limits included within Section 2 – Contents

Contents in the open
£1,000
Contents in outbuildings
£2,500
Deeds and Registered Bonds
£1,500
Valuables and Personal Belongings
£15,000.00 in total, with the limit for any one item being £2,500
Office Equipment
£5,000
Domestic oil in fixed fuel oil tanks
£750
Pedal Cycles
£500 per pedal cycle
Money and Credit Cards
£500 in total

Section 3 – Valuables and Personal Belongings Away From The Home

Valuables and personal belongings
Not insured

Anywhere in the United Kingdom, and up to 60 days elsewhere in the world during a temporary visit during the period of insurance.

Section 4 – Pedal Cycles

Pedal cycles
Not insured

Anywhere in the United Kingdom, and up to 60 days elsewhere in the world during a temporary visit during the period of insurance.

Section 5 – Home Emergency Solutions

Sum insured
£1,000
Operative covers
  • Main Heating System
  • Plumbing & Drainage
  • Home Security
  • Toilet Unit
  • Domestic Power Supply
  • Lost Keys
  • Vermin Infestation
  • Alternative Accommodation Costs

Please note that Home Emergency Solutions cover is not available for the following types of properties:

Sum insured
£50,000
Operative covers
  • Employment
  • Contract
  • Property
  • Personal Injury
  • Clinical negligence
  • Tax
  • Legal Defence
  • Loss of Earnings
  • Identity Theft
  • ARAG Consumer Legal Services Website
  • Legal and Tax Advice Helpline
  • Identity Theft and Resolution Service
Excess
£250 under Property insured event 3b

Please note that Family Legal Solutions cover is not available for the following types of properties:

Endorsements

Flood Excess Increase
The excess payable by you for loss or damage caused by flood is £2,500 and is payable by you in addition to the excess(es) stated in your schedule.

Excesses for Home Insurance

Standard

Compulsory
£100.00
Voluntary
£150.00
Total
£250.00

Escape of water

Compulsory
£250.00
Voluntary
£150.00
Total
£400.00

Subsidence, landslip, and heave

Compulsory
£1,000.00
Voluntary
£0.00
Total
£1,000.00

Flood Excess Increase

Compulsory
£2,500.00
Voluntary
£150.00
Total

£2,650.00

Your insurers

Sections 1–4 – Home Insurance

UMR: B1262BW0201418

This Home Insurance policy is underwritten by a consortium of leading insurers:

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

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

Both insurers are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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.

Legal & General Insurance Limited (Register number 202050) and ERGO Versicherung AG (Register number 602490).

Agreement number: BIN.AGL.0917

Home Emergency and Family Legal Solutions are administered by ARAG plc on behalf of the insurer AmTrust Europe Limited. Head and Registered Office: ARAG House, 9 Whiteladies Road, Clifton, Bristol BS8 1NN. Registered in England (no. 02585818).

AmTrust Europe Limited is registered in England and Wales (No. 1229676). Registered address: Market Square House, St. James’s Street, Nottingham NG1 6FG.

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.

Making a claim

In the event of an insurance claim, please telephone the number shown in the policy wording, or make a claim through your account on the website.

Your duties

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

  2. You must take all reasonable steps to prevent loss, damage or an accident and keep the buildings in a good state of repair.

  3. You must also tell Homelyfe within fourteen days of becoming aware of any of the following changes:

    • You are going to move home permanently;

    • Someone other than your family is going to live in your home;

    • Your home is going to be used for short periods each week or as a holiday home;

    • Your home is going to be unoccupied or unfurnished

    • Work is to be done on your home which is not routine repair, maintenance or decoration, for example any structural alteration or extension to your home;

    • You or any member of your family has received a conviction for any offence except for driving;

    • Any increase in the value of your contents or the rebuilding cost of your buildings;

    • Any increase in the number of bedrooms in your home;

    • Any part of your home is going to be used for any trade, professional or business purposes

      There is no need to tell us about trade, professional or business use if:

      1. The trade, professional or business use is only clerical; and
      2. There are no staff employed to work from the home; and
      3. There are no visitors to the home in connection with the trade, profession or business; and
      4. There is no business money or stock in the home.

If the information provided by you is not complete and accurate, we may:

If you require a new policy booklet please contact Homelyfe.

Authorised Signature

Home Insurance

Insurance Product Information Document

Company

Action 365 Ltd

Homelyfe is a trading name of Action 365 Ltd No 03839322 which is authorised and regulated by the Financial Conduct Authority No 306011

Product
Home Insurance

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 household insurance policy to cover loss or damage to your home and/or contents caused by events such as fire, explosion, storm, flood, escape of water, theft and subsidence. Cover will only be provided for the sections you select. Cover may also vary based on the information you have provided to us.

What is insured?

Cover for your home (if selected):

  • Buildings: The costs of repairing, replacing or rebuilding your home up to an agreed sum insured, plus loss of rent and temporary accommodation costs.
  • Contents: The cost of repairing or replacing the contents of your home, plus property in the open. Temporary removal of your contents to other premises, plus loss of rent and temporary accommodation costs.
  • Valuables and/or personal possessions: The cost of repairing or replacing valuables and personal possessions lost or damaged away from the home.
  • Accidental damage to buildings and/or contents.
  • Domestic freezer cover: The cost of replacing food in your fridge or freezer.
  • Pedal cycles: The cost of repairing or replacing pedal cycles following theft or accidental damage.
  • Legal Liability to the public: Your liability as a private individual and as owner or occupier of the home for bodily injury or property damage caused to another person or property.
  • Accidents to domestic staff: Your liability for bodily injury to your domestic staff.
  • Money: Theft or accidental loss of money.
  • Bank cards: Any amounts which you become legally liable to pay as a result of unauthorised use following loss or theft.

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).
  • The cost of replacing undamaged or remaining items or parts of the buildings which form part of a pair, set or suite following loss of or damage to the matching item(s).
  • 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 (other than garden machinery) caravans, trailers or watercraft or their accessories.
  • Any property held or used for business purposes.
  • 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

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.
  • 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 Direct Debit.

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 within the first 14 days of receiving your policy and obtain a full refund provided that we have not accepted a claim. After the 14 day cooling off period, 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 and the administrative cost of providing the insurance.

Home Emergency Solutions

Insurance Product Information Document

Company

Action 365 Ltd

Homelyfe is a trading name of Action 365 Ltd No 03839322 which is authorised and regulated by the Financial Conduct Authority No 306011

Product
Home Emergency Solutions

This document provides a summary of the 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?

Home Emergency Solutions provides help 24/7 from a qualified contractor chosen by us if a sudden unexpected event causes or is likely to cause damage to your home, make it unsafe or unsecure to stay in or create a health risk to you. The insurance pays for the contractor’s costs up to the limit stated in the policy.

What is insured?

  • Main heating system

    the complete breakdown of your main heating system.

  • Plumbing and drainage

    damage to, or blockage or breakage or flooding of, the drains or plumbing system within the home.

  • Home security

    damage to or failure of external doors, windows or locks which compromises the security of the home.

  • Toilet unit

    breakage or a fault with the toilet that results in the loss of function providing there is no other toilet in the home.

  • Domestic power supply

    The failure of the domestic electricity or gas supply.

  • Lost keys

    The loss or theft of the only available keys to gain access to the home.

  • Vermin infestation

    removal of vermin infesting your home.

  • Emergency accommodation costs

    for one night where your home is unsafe, unsecure or uncomfortable to stay in.

What is not insured?

  • Events that do not result in your home becoming damaged, unsafe or unsecure to stay in.
  • Contractor’s costs that you incur without our consent.
  • The costs of reinstatement or redecorating your home where damage has been caused.
  • Wear and tear, day-to-day maintenance and making permanent repairs once the emergency has been dealt with.
  • Heating breakdown if your boiler is more than 15 years old.
  • Warm air, LPG and solar heating.
  • Leaking appliances.

Are there any restrictions on cover?

Certain limitations may apply to your policy. For example:

  • !Cover applies only for the contractor’s call out charge, labour costs, repair materials, replacement parts where we have agreed it is necessary and up to the sum shown in your policy wording.
  • !You will have to pay for emergency accommodation and make a claim to us to be reimbursed.

Where am I covered?

You are covered for emergencies affecting your home in the UK, Isle of Man and Channel Islands.

What are my obligations?

  • You must be able to prove that your central heating boiler has been serviced during the 12 months prior to it breaking down.
  • You must contact the 24/7 Home Emergency helpline as soon as you can after the emergency arises.
  • Someone must be at home to let the contractor in.