Important Notes

Failure to disclose all material information (i.e. information likely to influence the assessment and acceptance of this Proposal) could invalidate the insurance. If you are in any doubt whether any information is material it should be disclosed.

Any false information you provide could invalidate your insurance.

In respect to the items now to be insured against, you agree that:

• You must use the property as your main home and, it must be occupied regularly at night.
• At least 85% of the property must be of standard construction (in other words, built of brick, stone or concrete with a slate, tiled or metal decking roof).
• No more than 15% of the roof area may be covered in flat felt and it must be inspected at least once every two years by a qualified builder or property surveyor and appropriate repairs must be carried out.
• The property must be in a good state of repair and be properly maintained and built after 1900.
• The property must not be rented, let or sublet or used for business or commercial purposes other than as a home office.
• The property must not have suffered damage by flood, subsidence, heave or landslip and, to your knowledge, must not be situated within 200 metres of any area with a history of flooding, subsidence, heave or landslip.
• The property must not be left empty other than for normal daily absences or vacation. In any case, the property must not be left empty for more than 30 days in a row in one year.
• Neither you nor any person living with you have made any claim or suffered a loss under a household insurance cover within the last 3 years.
• Neither you nor any person living with you must have ever been convicted of any offence other than minor driving offences.
• Neither you nor any person living with you has ever been refused insurance or had any special conditions placed on you.
• The property must be fitted with the following security devices.
  - Any door giving access to your property must be fitted with mortise deadlocks or deadlocking rim latches.
  - All sliding or patio doors must be fitted with appropriate security locks.
  
• In the event that your property forms part of a converted building, all entry and exit points must lead directly to the exterior of the building. IE your property cannot lead on to a shared corridor or hallway.
• The property must have at least 2 working smoke detectors at all times.
• Whenever you leave the property empty:
  - all doors and windows must be closed and fastened;
  - all door locks as shown above must be in fully working; and
  - all keys must be removed from locks and kept in a secure place.
  

In the event that you do not meet all of the eligibility conditions above, please contact us on 1850 851 297.