United Kingdom, Channel Islands and Isle of Man.

• Claims Reporting: You must report a claim during the Period of Insurance and immediately you become aware of circumstances which may give rise to a claim.
• Advice: You must follow the advice of the advice line.
• Cooperation: You must cooperate fully with us and provide within a reasonable time and at your own expense, any requested information and documentation we ask for.

• Prior Costs and Expenses: Any costs incurred before a claim is made and any costs and expenses which we do not authorise.
• Prior Claims: Any claim or incident which you knew about, or ought to have known about before the commencement of this policy.
• Claims reported outside of the Period of Insurance.
• Dishonesty, Violence and Fraud: Any claim which involves actual or alleged dishonesty or violence by you or a statement which is overstated, false or fraudulent.
• Rent Guarantee Excess: You are responsible for the first £500 or 1 months’ rent, whichever is the greater.
• Pre-Tenancy Check Requirements: Any claim where prior to the commencement of any tenancy agreement relating to an insured property, you have failed to comply with the Pre-Tenancy Check Requirements.

• Reasonable Prospects: There must be more than a 50% chance of recovering damages, defending a claim or prosecution or obtaining a legal remedy.
• Lawyer / Legal Representative: If you choose your own representative in relation to a claim under this policy, we will not pay your representatives costs and expenses which exceed the costs and expenses that our appointed representative, operating under our standard terms of appointment, would charge us. In this event, you will be responsible for your representative’s excess costs and expenses.
• Limit of Liability: The maximum amount payable for costs and expenses per claim is £50,000 with the exception of Rent Guarantee which has a maximum amount payable dependent on the level of cover purchased. This will be shown in your Certificate of Insurance.
• Aggregate Limit of Liability: The maximum amount payable for costs and expenses in respect to all claims in any one Period of Insurance is £500,000. Rent Guarantee is to a maximum dependent on the level of cover purchased. This will be shown in your Certificate of Insurance.
• Court Attendance: Cover is limited to £1,000 in respect of all claims in any one Period of Insurance

Your policy covers you for up to 12 months from the date you request your policy to be started. The dates will be referenced on your Certificate of Insurance.

You have the right to cancel a policy:
With a full premium refund within 14 days of it starting, provided that there have been no claims. No refund of premium will be available after 14 days of it starting.