Page 37 - CCA Platinum Policy Wording

Household contents
All pay-outs limited
The pay-outs for the insured events described below are limited to the amounts specified in the LIMIT SECTION.
Accidental death
If you are under the age of 76, and you die within 12 months of sustaining an injury on your premises, we will pay you according to the limit for your age.
Clearing-up costs
We will pay for the cost of removing any household-goods debris from your premises after a claim.
Damage to guests’ property
We will cover loss or damage to household items belonging to any non-paying, temporary guests caused by an insured event in your home. However, this does not include money and negotiable instruments, or any items insured under any other policy.
Domestic worker’s property
You are covered for loss or damage to your domestic worker’s household goods and personal property caused by an insured event in your home or any of the outbuildings.
Emergency services
We will pay for costs charged by any emergency-services provider – such as the fire brigade – for responding to an insured event.
Fire, collision or overturning of vehicle
We will cover accidental damage, caused by fire, collision or the overturning of the conveying vehicle, when your contents are being moved during a permanent change of address, or whilst in transit to or from any bank, safe deposit or furniture depository.
Garden damage
We will pay for the cost of replacing any trees, shrubs or plants in your garden after a claim. This is on condition that the claim is not the result of theft or attempted theft, and that the home owner is not entitled to claim under his own insurance.
Keys, locks and remote controls
We will pay for the cost of replacing lost or damaged keys, locks and remote controls, including call-out costs of a technician. This will also apply if you have reasonable suspicion that an unauthorised person has access to duplicates.
Check your schedule now to see if this limited cover is likely to be sufficient to cover the full replacement cost in the event of loss or damage. If you feel that it is not enough, you may ask us for additional cover so that we can increase the limit.
Liability to third parties
You are covered as a tenant for liability to third parties, such as members of the public and the property owner. The details are described under the Personal Liability section on page 104.
HBM – CC&A Plain Language – 23 June 2014 35