Schedule - Silver Home Insurance

Policy information
Policy number 35666003353882

Insurer Accredited Insurance (Europe) Limited - UK Branch

Period of insurance 2 January 2024 at 14:29 to 1 January 2025 at 23:59

Reason for issue New policy

Policy purchase date 2 January 2024

Type of cover Home Insurance

Cover included Buildings

Contents

Premium information
Total premium £170.09 (includes 12.0% Insurance Premium Tax of £18.22)

Policyholder information
Policyholder Mr Edward Matravers

Property information
Address of insured property 6 Ash Lane Winsford, Minehead, TA24 7JH

How to contact us
Claim line 0330 0600 670

Customer services 0330 0600 601

Policy Expert
1st Floor
Exchange House
450 Midsummer Boulevard
Milton Keynes
MK9 2EA

Policy Expert is a trading name of QMetric Group Limited, which is authorised and regulated by the Financial Conduct Authority.
QMetric Group Limited registered office: 110 Bishopsgate, London, EC2N 4AY and registered number is 07151701.
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The general terms, conditions and exclusions that apply to the insurance contract are set out in your
policy wording, which you should read together with the specific terms for each section as shown below.

Policy cover information: Buildings

Cover limits
Buildings sum insured £1,000,000 See covers 1 - 13 of the buildings
cover (section 1)

Buildings standard accidental Included for glass, sanitary fittings See covers 12 and 13 of the buildings
damage and mains services cover (section 1)

Additional accidental damage to the Included See cover 14 of the buildings cover
buildings (section 1)

Accidental loss of metered water or £500 See cover 4 of the buildings cover
oil (section 1)

Excesses that apply to this section

Standard excess £350 The minimum amount of each
buildings claim you will have to pay.

Escape of water or oil excess £750 The amount of each buildings escape
of water or oil claim you will have to
pay.

Subsidence excess £1,000 The amount of each subsidence claim

you will have to pay.

Accidental damage excess £350 The amount of each buildings

accidental damage claim you will
have to pay.

Policy Expert is a trading name of QMetric Group Limited, which is authorised and regulated by the Financial Conduct Authority.
QMetric Group Limited registered office: 110 Bishopsgate, London, EC2N 4AY and registered number is 07151701.
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Policy cover information: Contents
Cover limits
Contents sum insured £75,000 See causes 1-10 of the contents cover
(section 2)

Contents standard accidental damage Included for mirrors and fixed glass See cover 12 of the contents cover
only (section 2)

Additional accidental damage to your Included See cover 13 of the contents cover
contents (section 2)

Total unspecified personal Not included

possessions away from the property -
each worth £2,000 or less (not
including bikes)

Total unspecified valuable items £10,000 See policy definition of valuables

inside the home - each worth £2,000
or less

Excesses that apply to this section

Standard excess £350 The minimum amount you will have
to pay for each contents claim

Escape of water or oil excess £750 The amount of each contents escape
of water or oil claim you will have to
pay.

Subsidence excess £350 The amount of each contents

subsidence claim you will have to
pay.

Accidental damage excess £350 The amount of each contents

accidental damage claim you will
have to pay.

Policy Expert is a trading name of QMetric Group Limited, which is authorised and regulated by the Financial Conduct Authority.
QMetric Group Limited registered office: 110 Bishopsgate, London, EC2N 4AY and registered number is 07151701.
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Endorsement(s) that apply to this policy
Please read the following endorsement(s) carefully and in conjunction with your policy wording

Theft and malicious damage excluded if security requirement not met

When:

1. there is nobody in your home; or

2. the residents have gone to bed for the night in the main building;

you must:

a. remove keys from all locks and keep them out of sight or reach of a potential intruder; and

b. ensure that the locks declared in your insurance application are put into full and effective use.

We will not pay for loss or damage caused by any theft, attempted theft (see cover 5) or malicious acts (see cover 8)
unless you meet both requirements (a) and (b).

Please see Section 1 - Buildings and Section 2 – Contents for full details of the cover and exclusions that apply.

Policy Expert is a trading name of QMetric Group Limited, which is authorised and regulated by the Financial Conduct Authority.
QMetric Group Limited registered office: 110 Bishopsgate, London, EC2N 4AY and registered number is 07151701.
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