TENANTS’ CONTENTS

POLICY SCHEDULE

Binding Authority Agreement Number B1262FBW0009922

Subscribing Insurers	Sections	Proportion
HCC International Insurance Company plc trading as Tokio Marine	All Sections	60%
Syndicate 1414 at Lloyd’s is managed by Ascot Underwriting Limited	All Sections	40%

Claims Helpline: 01443 229513 (Emergency 24/7 number 01724 761378)

Reason for issue: {{.reason_for_issue}}

Quote Valid Until:{{.expiring_on_date}}

Quote Number: {{.quote_number}}

Policy Number: {{.policy_number}}

Initial Month of Cover:

Start date: {{.starting_on_date}}

Expiry date: {{.expiring_on_date}}

Date of issue: {{.now_date}}

Premium: £{{printf "%.2f" .premium}}

Insurance Premium Tax: £{{printf "%.2f" .premium_tax}}

Fee: £0.0

Total Premium due (incl IPT and Fee): £{{printf "%.2f" .total_premium}}

Insured:

{{.first_name}} {{.last_name}}

Contact telephone number: {{.user.contacts.phone_primary}}

Email address: {{.user.contacts.email_primary}}

Your Address: {{.details.property.location}}

COVER DETAILS

For full details of your policy cover please refer to your Tenants’ Contents Policy Wording.

Section 1 – ContentOperative

Cover Causes 1 – 10

Maximum Claim Limit	£30,000
The following individual limits apply to Section 1 – Contents
High-risk property within the home	1/3 of the maximum claim limit
Maximum any one item of high-risk property	£2,000
Business equipment	£5,000
Maximum any one item of business equipment	£2,000
Loss of metered oil or water	£2,000
Contents in the open (within the home’s boundaries)	£1,000
Maximum any one item of contents in the open (within the home’s boundaries)	£300
Limits applicable to Cover Cause 8 – Theft or attempted theft only
Jewellery when not being worn or carried or kept in a locked safe	£10,000
Contents in a securely locked outbuilding or a garage	£2,500 per outbuilding / £5,000 total

Extensions to Section 1 – Contents	Claim Limit (the most we will pay)
1 Tenants’ Responsibility	£2,500
2 Rent and Alternative Accommodation	£2,000
3 Replacement Locks and Keys	£250
4 Tenants’ Improvements	£2,500
5 Compulsory Evacuation	£500
6 Damage to Downloaded Data	£250
7 Frozen Food	£250
8 Glass Breakage	£1,000

Optional Extensions to Section 1 – Contents
Accidental Damage{{if .details.contents_insurance.accidental.enabled}}Operative{{else}}Not Applicable{{end}}
Maximum Claim Limit	{{if .details.contents_insurance.accidental.enabled}}£30,000{{else}}Nil{{end}}
Unspecified Personal Belongings{{if .details.contents_insurance.unspecified.enabled}}Operative{{else}}Not Applicable{{end}}
Maximum Claim Limit	£{{printf "%.2f" .details.contents_insurance.unspecified.claim_limit}}
The following individual limits apply to Optional Extension to Section 1 – Contents, Unspecified Personal Belongings
Maximum any one item	£500
Mobile Phones any one item	£300
Records, CDs, computer disks, cassettes & DVDs (any one claim for these items)	£200
Money	£200
Credit cards	£1,000
Pedal cycles (maximum any one cycle)	£500

Specified Personal Belongings{{if .details.contents_insurance.specified.enabled}}Operative{{else}}Not Applicable{{end}}
Maximum Claim Limit	See below
Item category	Item value
{{.name}}	£{{printf "%.2f" .amount}}

Pedal cycles{{if .details.contents_insurance.pedal_cycles.enabled}}Operative{{else}}Not Applicable{{end}}
Maximum Claim Limit	See below
Description (including any serial number)	Value
{{.name}}	£{{printf "%.2f" .amount}}

Section 2 – Occupiers’ LiabilityOperative
Maximum Claim Limit	£2,000,000
Information relating to your excesses
Section 1 – Contents (The excesses shown apply to each and every claim unless otherwise specified)
Compulsory excess (unless otherwise shown below)	£100
Compulsory excess – where your home is unoccupied (unless otherwise shown below)	£500
Subsidence, ground heave or landslip	£1,000
Compulsory excess Escaping Water	£250
Compulsory excess Optional Extension to Section 1 – Contents, Accidental Damage	£100
Voluntary excess	£{{printf "%.2f" .details.contents_insurance.excess.voluntary_excess}}
If you have chosen a voluntary excess, the voluntary excess shown will be added to the compulsory excesses stated above.
No voluntary excess is applicable to Subsidence, ground heave or landslip claims, which will always be subject to the compulsory excess stated above.
Optional Extension to Section 1 – Contents, Unspecified Personal Belongings	£100
Optional Extension to Section 1 – Contents, Specified Belongings	£100
Optional Extension to Section 1 – Contents, Pedal Cycles	£100

Section 2 – Occupiers’ Liability (The excess shown applies to each and every claim unless otherwise specified)
Compulsory excess	£500

Any additional excesses applicable are shown in the table entitled ‘Summary of endorsements applicable to the policy’ located at the end of this schedule.

Summary of endorsements applicable to the policy

Endorsement Number	Endorsement Title
{{.name}}	{{.description}}

Endorsement Wordings

None

STATEMENT OF FACT

Individual words within the statements on this statement of fact are in bold which means they have a specific meaning in the policy wording a copy of which is either included or is available from your agent.

IMPORTANT NOTICE

The following statements together with any answers and additional information supplied to us, have been used and relied on to calculate the premium charged and apply relevant terms and conditions applicable to this insurance.
You, and any person acting on your behalf, must take care and ensure that the answers and additional information supplied to us in this document are accurate and complete. If any answers or additional information are inaccurate you, or any person acting on your behalf must inform your agent as soon as reasonably practicable. This applies at inception and renewal of this policy and also at any variation to this policy during the period of insurance.
Providing us with incorrect information or failing to tell us of anything which may increase the risk, can mean that we:
- avoid this policy from inception or renewal
- avoid a variation to this policy
- cancel this policy
- alter the terms, conditions, and exclusions of this policy (including the premium)
- refuse to pay a claim or refuse to pay it in full
- withdraw our quotation (if applicable).

What you need to do now

The statement of fact and schedule (including, where applicable, any endorsements and notice to policyholders) should be read in conjunction with the policy wording.
These documents show the information provided to us by you or the person acting on your behalf, so you should read these documents carefully to make sure that all questions have been answered accurately and that the information provided is correct.

Please tell your agent immediately if any information is missing or incorrect. If there is any doubt or if clarification is required as to what must be declared to us, please discuss this with your agent.

GENERAL INFORMATION

You have confirmed that the following assumptions are correct:

The home is self-contained.

The home has its own lockable entrance door.

The home is never left unoccupied for more than 30 consecutive days.

The home is not used for any non-clerical business use.

The home is occupied solely by you, a maximum of 3 sharers (in addition to you), members of your family (or sharers' family)

The home is only used for private and residential purposes.

The total number of claims or losses suffered by you and everyone else living with you does not exceed:

2 theft or malicious damage losses within the last 5 years in connection with your home, its contents or personal belongings including any losses away from home.
3 losses within the last 5 years in connection with your home, its contents or personal belongings including any losses away from home.

Neither you nor anyone living with you:

has suffered any loss where the total claim amount exceeds £10,000 in the past 5 years.
Had insurance cover refused or cancelled or special terms imposed
Had a County Court Judgement (CCJ), High Court Judgement or Sheriff Court Decree (in Scotland)
Entered into an Individual Voluntary Arrangement (IVA) or Trust Deed (in Scotland)
Been declared bankrupt or entered into sequestration (in Scotland) whether settled or not
Have ever been convicted or have any prosecution pending or been given an official police caution in respect of any criminal offence other than motoring offences and any offences which are spent under the Rehabilitation of Offenders Act 1974, or been involved in a company subject to such a conviction, prosecution, or caution

INSUREDS’ INFORMATION
	Insured 1	Insured 2	Insured 3	Insured 4
Full name	{{if gt (len .insured) 0}}{{with (index .insured 0)}}{{.first_name}} {{.last_name}}{{end}}{{end}}	{{if gt (len .insured) 1}}{{with (index .insured 1)}}{{.first_name}} {{.last_name}}{{end}}{{end}}	{{if gt (len .insured) 2}}{{with (index .insured 2)}}{{.first_name}} {{.last_name}}{{end}}{{end}}	{{if gt (len .insured) 3}}{{with (index .insured 3)}}{{.first_name}} {{.last_name}}{{end}}{{end}}
Employment status	{{if gt (len .insured) 0}}{{with (index .insured 0)}}{{.employment_status}}{{end}}{{end}}	{{if gt (len .insured) 1}}{{with (index .insured 1)}}{{.employment_status}}{{end}}{{end}}	{{if gt (len .insured) 2}}{{with (index .insured 2)}}{{.employment_status}}{{end}}{{end}}	{{if gt (len .insured) 3}}{{with (index .insured 3)}}{{.employment_status}}{{end}}{{end}}
Occupation	{{if gt (len .insured) 0}}{{with (index .insured 0)}}{{.occupation}}{{end}}{{end}}	{{if gt (len .insured) 1}}{{with (index .insured 1)}}{{.occupation}}{{end}}{{end}}	{{if gt (len .insured) 2}}{{with (index .insured 2)}}{{.occupation}}{{end}}{{end}}	{{if gt (len .insured) 3}}{{with (index .insured 3)}}{{.occupation}}{{end}}{{end}}

PROPERTY INFORMATION

Property type	{{.details.contents_insurance.property.type}}
Property description	{{.details.contents_insurance.property.subtype}}
Number of bedrooms	{{.details.property.details.bedrooms_no}}
Number of adults living at the home	{{.details.contents_insurance.property.adults}}
Main external door lock type	{{.details.contents_insurance.property.door_lock_type}}
All accessible windows are lockable with a key	{{.details.contents_insurance.property.has_window_locks}}
You have a partner who lives at the same address	{{.details.contents_insurance.property.has_partner}}

CLAIMS HISTORY

Claims details are provided for any insured.

Date of loss/claim	Type of loss/claim	Loss/claim amount
{{.date}}	{{.type}}	{{printf "%.2f" .amount}}

Administered and issued by: Mashroom Limited under the Binding Authority Agreement number shown on the policy schedule.

Registered address

21 Navigation Business Village, Navigation Way, Ashton-On-Ribble, Preston, PR2 2YP

Mashroom Limited is registered in England and Wales, registered number: 11412766

Mashroom Limited is an appointed representative of Adelphi Insurance Brokers Limited and is authorised and regulated by the Financial Conduct Authority, Financial Services Register No 594620.

Authorised Signatory

Signed in Preston, Lancashire for and on behalf of those insurers subscribing to this policy.

Dated: {{.now_date}}

Managed by: Cedar Underwriting Limited

Cedar Underwriting Limited is registered in England and Wales, registered number: 10786785.

Cedar Underwriting Limited is authorised and regulated by the Financial Conduct Authority, Firm Reference Number: 785986.

Registered address First floor offices, Barberry House, 4 Harbour Buildings, Waterfront West, Brierley Hill, DY5 1LN.

Underwritten by: HCC International Insurance Company plc

Registered Address

One Aldgate, London, EC3N 1RE

Registered in England and Wales No 01575839.

HCC International Insurance Company pls is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, Financial Services Register No 202655