Summary of Product Features
• Buildings - loss or damage caused by a range of standard causes including property owners liability, trace and access and alternative accommodation and can be extended if required to include Accidental Damage
• Contents - loss or damage caused by a range of standard causes including personal liability, occupiers liability, private employer and tenants liability, alternative accommodation, replacement locks, increased metered water, freezer contents, personal money and fraudulent use of credit cards and can be extended if required to include Accidental Damage
• Personal Possessions - accidental loss or damage or any external visible cause, cover is provided anywhere in the UK and up to 60 days worldwide during the period of insurance
• Legal Expenses - the policy can be extended to include Family Legal Protection if required
Positive Features
Our standard product is ideal for the established family home, providing excellent cover, reinforced by a customer focussed claims service. We aim to reward clients with a variety of discounts where positive features exist, such as improved security, a good claims record, maturity or who insure both their buildings and contents on the same policy.
Positive Feature Discounts
• Good claims history
• Maturity discounts available from age 45 and over
• Voluntary increased excesses
• Combined policies covering buildings and contents
• Non smokers
• Improved security including five lever mortise deadlocks, key operated window locks and burglar alarms, but only where these features are not an underwriting requirement
Claims Service
We are committed to a fast, efficient, customer focussed claims service. Our experienced claims handlers are available on the claim advice line 24 hours a day, 365 days a year. We will keep you informed on the progress of the claim at all times.
Unacceptable Risks
• Properties that are let to students, local authority referrals, properties that are unoccupied, properties divided into bedsits
• Contents risks where the proposer is aged under 30, any risk where there is no adult in residence in gainful employment
• Risks with a proposed sum insured below £40,000 for buildings cover and £15,000 for contents cover
• Certain occupations are unacceptable and are detailed in our underwriting guide
Policy Summary
Click the relevant link to download a copy of the policy summary (requires Adobe Acrobat Reader, if required download by clicking the graphic below)
Home Insurance Policy Summary
Credit/Payment
Settlement through monthly bordereau account arrangements, net of initial broker commission
Contact Information
If you would like more information on any of the above please contact derek.jordan@axiomunderwriting.co.uk