Leisure Home Cover Limits
Buildings
Buildings | Leisure Home (Single) | Leisure Home (Twin) | Leisure Home (Lodge) |
| Cladding | Aluminium | Aluminium or Canexel | Timber or Canexel |
| Use | Second Home/Holiday Home/Holiday Let | Second Home/Holiday Home/Holiday Let | Second Home/Holiday Home/Holiday Let |
| Max Sums Insured | £120,000 | £120,000 | £500,000 |
| Minimum Sums Insured | £5,000 | £10,000 | £500,000 |
| Claims Settlement | New for Old up to 20 years | New for Old up to 20 years | New for Old |
| Decking, Balastrades & Hot Tubs | ✔ | ✔ | ✔ |
| Alternative Accommodation/Loss of Rent | 20% of Sums Insured | 20% of Sums Insured | 20% of Sums Insured |
| Let Property | 10% discount for non-let 10% loading for let property | 10% discount for non-let 10% loading for let property | 10% discount for non-let 10% loading for let property |
| Falling Trees | ✔ | ✔ | ✔ |
| Trace & Access | £5,000 for one event, £25,000 for any single period of insurance | £5,000 for one event, £25,000 for any single period of insurance | £5,000 for one event, £25,000 for any single period of insurance |
| A/D to underground pipes & cables | ✔ | ✔ | ✔ |
| Emergency Services | ✔ | ✔ | ✔ |
| Property Owners Liability | £5 Million | £5 Million | £5 Million |
| Clearance & Resiting | ✔ | ✔ | ✔ |
| Malicious Damage & Vandalism | Up to £5,000 if optional cover selected | Up to £5,000 if optional cover selected | Up to £5,000 if optional cover selected |
| Tv Aerials & Satellite Dishes | ✔ | ✔ | ✔ |
| Fire Brigade Costs | £750 | £750 | £750 |
| Loss or Theft of Keys | £1,000 | £1,000 | £1,000 |
| Metered Water | £1,000 | £1,000 | £1,000 |
| Fire, Smoke, Explosion, Lightning or Earthquake. | ✔ | ✔ | ✔ |
| Escape of Water from any washing machine, dishwasher or plumbed in domestic water or heating installation. | ✔ | ✔ | ✔ |
| Storm | ✔ | ✔ | ✔ |
| Flood (postcode dependent) | ✔ | ✔ | ✔ |
| Subsidence | ✔ | ✔ | ✔ |
| Theft or Attempted Theft | ✔ | ✔ | ✔ |
Buildings Optional Cover (if selected):
FEATURE | LIMIT |
| Accidental Damage by Tenants | ✔ |
| Malicious Damage by Tenants | £5,000 |
Excess Amounts* | |||
Claim Type | Leisure Single | Leisure Twin | Leisure Lodge |
| Subsidence, Heave & Landslip | £1,000 | £1,000 | £1,000 |
| Escape of Water (Homes up to 25 years of age) | £250 | £250 | £250 |
| Escape of Water (Homes aged 26 & over years of age) | £250 | £250 | £500 |
| All Other claims | £100 | £100 | £100 |
Standard Excess £100 | ||
| Voluntary Excess Amounts Available (In addition to Standard Excess) | ||
| £50 | £150 | £400 |
*Standard excess – Other excess amounts may be applicable due to age of home/specific endorsements
Leisure Home Cover Limits
Contents
Contents | Leisure Home (Single) | Leisure Home (Twin) | Leisure Home (Lodge) |
| Maximum Sums Insured | £25,000 (Assist will refer all sums in-house over £10,000) | £25,000 (Assist will refer all sums in-house over £15,000) | £40,000 |
| Minimum Sums Insured | £0 | £0 | £40,000 |
| Single Article Limit | £1,000 | £1,000 | £1,000 |
| Loss of Rent | 20% of Sums Insured (only available if Let option selected) | 20% of Sums Insured (only available if Let option selected) | 20% of Sums Insured (only available if Let option selected) |
| Theft From Outbuildings | £1,000 | £1,000 | £1,000 |
| Garden Furniture | £1,500 | £1,500 | £1,500 |
| Replacement Locks & Keys | £1,000 | £1,000 | £1,000 |
| Freezer Contents | ✔ | ✔ | ✔ |
| Loss of Metered Water | £1,000 | £1,000 | £1,000 |
| Unoccupancy | 60 Days (Winter Weather Clause applies between 01/11-31/03) | 60 Days (Winter Weather Clause applies between 01/11-31/03) | 60 Days (Winter Weather Clause applies between 01/11-31/03) |
| Fire, Smoke, Explosion, Lightning or Earthquake. | ✔ | ✔ | ✔ |
| Escape of Water from any washing machine, dishwasher or plumbed in domestic water or heating installation. | ✔ | ✔ | ✔ |
| Storm | ✔ | ✔ | ✔ |
| Flood (postcode dependent) | ✔ | ✔ | ✔ |
| Subsidence | ✔ | ✔ | ✔ |
| Falling Trees | ✔ | ✔ | ✔ |
| Theft or Attempted Theft | ✔ | ✔ | ✔ |
Contents Optional Cover (if selected):
FEATURE | LIMIT |
| Letting to Holiday Makers | Optional (10% load) |
| Accidental Damage by Tenants | Optional (10% load) |
| Malicious Damage by Tenants | Optional (10% load) |
| Pedal Cycles | Optional – Up to £1,000 Maximum 4 Cycles |
| Sports Equipment | Optional (up to £3,000) |
| Excess Amounts* | |||
| Claim Type | Leisure Single | Leisure Twin | Leisure Lodge |
| Subsidence, Heave & Landslip | £1,000 | £1,000 | £1,000 |
| Escape of Water (Homes up to 25 years of age) | £250 | £250 | £250 |
| Escape of Water (Homes aged 26 & over years of age) | £250 | £250 | £500 |
| All Other claims | £100 | £100 | £100 |
Standard Excess £100 | ||
| Voluntary Excess Amounts Available (In addition to Standard Excess) | ||
| £50 | £150 | £400 |
*Standard excess – Other excess amounts may be applicable due to age of home/specific endorsements
Cover Levels:
Property Type | Cover Type | Age Restriction | Loading |
| Leisure Single | Market Value | 30 Years | 0% |
| Leisure Single | New For Old | Up to 20 Years | 25% for ages 11-20 years |
| Leisure Twin | Market Value | 30 Years | 0% |
| Leisure Twin | New For Old | Up to 20 Years | 25% for ages 11-20 years |
| Leisure Lodge | New For Old | None | 0% |