Acceptance Criteria

To qualiify for our policy you need to fufil the following criteria:

The Property Concerned

• Is your main home.
• Is solely occupied by you and your family.
• Is self-contained with its own lockable front door.
• Is fitted with approved locks/bolts on the final exit door and all other doors.
• Is fitted with key operated locks on all windows.
• Is not regularly left unattended throughout the day other than for normal working hours.
• Is not likely to be left unoccupied for more than 30 consecutive days.
• Is built of brick, stone, or concrete.
• Is roofed with slate or tile with no more than 30% roof area constructed of flat felt or bitumen.
• Is maintained in a good state of repair.
• Is not used for business purposes other than paperwork, telephone calls and computer work by you and/or your family.
• Is not undergoing renovation or construction work and no such work is planned in the next 12 months.
• Has not been damaged by flood, or flood as a result of storm.
• Is not in an area liable to flood and you have not been advised that your home is in a potential flood risk area.
• Is not within 250 metres of a river, a watercourse or the sea.
• Is not showing any signs of damage caused by subsidence, heave or landslip and does not show any visible cracking internally or externally.
• Is not in an area that has a history of subsidence, heave or landslip.
• Has not had any repairs or monitoring in connection with subsidence, heave or landslip.
  

You and your family living with you have

• Never been declared bankrupt or entered into an Individual Voluntary Arrangement, not been convicted of any criminal offence (other than motoring convictions), not received a Police caution and have no prosecutions pending. You are not required to divulge convictions which are regarded as spent by virtue of the Rehabilitation of Offenders Act 1974.
• In respect of insurance cover provided, not had any special terms (e.g. increased excesses, restrictions or exclusions in cover) imposed by any insurer nor had insurance cancelled, declined or renewal refused.
• Not suffered any loss, damage or liability whether insured or not during the last three years