Leisure Home Cover Limits

Buildings

Buildings
Leisure Home (Single)
Leisure Home (Twin)
Leisure Home (Lodge)
CladdingAluminiumAluminium or CanexelTimber or Canexel
UseSecond Home/Holiday Home/Holiday LetSecond Home/Holiday Home/Holiday LetSecond Home/Holiday Home/Holiday Let
Max Sums Insured£120,000£120,000£500,000
Minimum Sums Insured£5,000£10,000£500,000
Claims SettlementNew for Old up to 20 yearsNew for Old up to 20 yearsNew for Old
Decking, Balastrades & Hot Tubs
Alternative Accommodation/Loss of Rent20% of Sums Insured20% of Sums Insured20% of Sums Insured
Let Property10% 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 & VandalismUp to £5,000 if optional cover selectedUp to £5,000 if optional cover selectedUp 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 Rent20% 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
Unoccupancy60 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 MakersOptional (10% load)
Accidental Damage by TenantsOptional (10% load)
Malicious Damage by TenantsOptional (10% load)
Pedal CyclesOptional – Up to £1,000 Maximum 4 Cycles
Sports EquipmentOptional

(up to £3,000)

Excess Amounts*
Claim TypeLeisure SingleLeisure TwinLeisure 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 SingleMarket Value30 Years0%
Leisure SingleNew For OldUp to 20 Years25% for ages 11-20 years
Leisure TwinMarket Value30 Years0%
Leisure TwinNew For OldUp to 20 Years25% for ages 11-20 years
Leisure LodgeNew For OldNone0%