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Welcome to Shoreline Housing Partnership

creating communities to be proud of

insuring your home

The structure of your home is insured by Shoreline but it is important that you seriously consider insuring the contents of your home because your possessions are not covered by the buildings insurance that we provide.

We have negotiated a new scheme with Royal & Sun Alliance Insurance plc, one of the UK’s leading insurers. Our tenants now have the chance to insure the contents of their homes in an easy and affordable way. Working with us, Royal & Sun Alliance has produced a home contents policy specially designed for our tenants. It’s simple and value for money, with premiums payable weekly alongside your rent payments.

This is a voluntary scheme and you are of course free to make your own arrangements to insure the contents of your home.

What the Policy covers
Optional extensions available to the policy cover
What the Policy does not cover
Working out how much to insure for
Costing your belongings
Valuables
Making certain you are adequately insured
Table to help you calculate your sum insured
What it will cost
How to pay
When your Policy will start
Your right to cancel the policy
Eligibility
How to apply

What the Policy covers

Damage to your belongings in given circumstances	Your household contents and personal belongings - furniture, TV, clothing, carpets and electrical goods - are insured against loss or damage while they are in your home. The insurance covers specified circumstances including theft, vandalism, fire, flood and escaping water (e.g. from a washing machine or bath).
Accidental damage	Accidental damage to televisions, video players and recorders, hi-fi systems, satellite decoders, DVD players and computer equipment, and accidental breakage of mirrors, ceramic hobs in cookers and fixed glass in furniture.
Freezer contents	Unlimited.
Lost or stolen keys	£500.
Tenants liability	Up to 20% of the sum insured for damage to buildings and internal decorations.
Liability to third parties	£2,500,000 maximum per claim for accidental bodily injury, death or disease to any person or accidental loss or damage to property which you may be held liable for through negligence.
Accidental death	£5,000 Death benefit as a result of an accident in the home, while travelling as a fare paying passenger by train, bus or taxi or an assault in the street.
Bogus officials	Theft of money by bogus officials - up to £200.
Domestic animals	Accidental Death cover for your cat or dog - up to £200 to replace your pet.
Loss of metered water and oil for heating	Loss of metered water and oil for heating up to £1,000.
Contents in the open	Contents while in the open on the land belonging to your home are insured against loss or damage in specified circumstances including theft, fire and flood - up to £250.
Students possessions	Contents which belong to or are the legal responsibility of students while temporarily removed from your home to student lodgings are insured against loss of or damage in specified circumstances including theft, fire and flood up to £2,000.
Trees and shrubs	Trees, shrubs, plants, hedges and lawns on the land belonging to your home are insured against specified circumstances including theft, fire and vandalism - up to £250.
Professional removals	Accidental damage or loss while a professional removal firm are moving your contents from your home directly to your new permanent home in the British Isles - up to the sum insured on contents.
No excess applies

Optional extensions available to the policy cover

Accidental damage extension to the contents	Accidental damage to your contents while they are in your home or its domestic outbuildings or garages all on the same site. If you require this extension, please ensure you tick the box on the application form.
Personal belongings	Up to £3,000 cover available for Personal Belongings, pedal cycles and sports equipment whilst in the British Isles and temporarily elsewhere in Europe up to the maximum of 14 days. If you require this extension, please ensure you tick the box and enter the amount of cover required on the application form.
Hearing aids and wheelchairs	Up to £3,000 cover available for hearing aids and wheelchairs which are owned by any member of your household or for which they are responsible, whilst in the British Isles and temporarily elsewhere in Europe up to the maximum of 14 days.

What the Policy does not cover

Please note this Policy is not a maintenance contract, it does not cover all losses.

The Policy does not cover:

loss or damage by scorching without a fire actually starting.
loss or damage by wear and tear, maintenance, electrical, mechanical or electronic breakdown, leaks and anything which happens gradually, radioactive contamination, war risks, sonic bangs, pollution or contamination, rot, date change and computer viruses and terrorism.
any items used for business or professional purposes.
losses by certain causes when the home has been unoccupied for more than 35 days in a row.
loss of value in property.
any claim that is notified to us more than 60 days after the event.

This is only a brief summary of what the Policy does and does not cover. Full details of the conditions and exclusions are given in the Policy; click on the link at the top of the page to download a copy of the policy.

You should read your Policy carefully. Make sure it meets your needs.

Working out how much to insure for

The table further down will help you calculate the insurance cover you need. First read the next three sections and then work out, room by room, the replacement cost of your belongings and enter it in the space provided. Then add up the entries. This is your Contents Sum Insured which you should put on your application form.

Costing your belongings

The policy insures your household contents and personal belongings other than clothing and household linen on a new for old basis.

This means that no deduction is made for wear, tear and depreciation.

You do however have a duty to maintain your household contents and personal belongings in sound condition and good repair.

So, in calculating your replacement costs give the current replacement cost of all items, less an allowance for wear and tear for clothing and household linen.

Valuables

These are items which are particularly prone to theft, such as jewellery, watches, clocks, articles of precious metal, pictures, works of art and stamp, coin and medal collections.

If you believe that some of your possessions have a high value, you may wish to have them valued independently by an expert, for example a jeweller.

The maximum amount of cover provided for your valuables under this Policy is one third of the total Sum Insured on Contents.

Making certain you are adequately insured

The scheme offers special low, minimum Sums Insured to ensure that you only pay for the cover you need. These are:

£6,000 for tenants aged 60 or over and in receipt of state pension
£9,000 for all other tenants.

However, it is important not to take these as recommended figures. If you undervalue your contents your claim will not be paid in full.

Table to help you calculate your sum insured

Room	Replacement Cost £
Lounge Carpets and floor coverings Curtains and fittings Furniture General items (e.g. ornaments) TV, video, audio and visual equipment Valuables
Kitchen Carpets and floor coverings Curtains and fittings Household appliances Cooking utensils, cutlery and crockery Cleaning equipment and materials Food and drink Valuables
Hall, stairs and landing Carpets and floor coverings Curtains and fittings Furniture General items
Dining Room Carpets and floor coverings Curtains and fittings Furniture Valuables
Bathroom Carpets and floor coverings Curtains and fittings Fixtures and fittings Linen and bedding
Bedrooms Carpets and floor coverings Curtains and fittings Furniture Linen and bedding General items TV, video and visual equipment Valuables
Other Rooms Toys and baby equipment Domestic tools General items
Total Sum Insured £

What it will cost

Sum Insured	Weekly Payments
Sum Insured	Standard Cover	Accidental Damage Cover
£6,000*	£1.33	£1.87
£7,000*	£1.55	£2.18
£8,000*	£1.78	£2.49
£9,000	£2.00	£2.80
£10,000	£2.22	£3.11
£11,000	£2.44	£3.42
£12,000	£2.66	£3.73
£13,000	£2.89	£4.04
£14,000	£3.11	£4.35
£15,000	£3.33	£4.67
£16,000	£3.55	£4.98
£17,000	£3.77	£5.29
£18,000	£4.00	£5.60
£19,000	£4.22	£5.91
£20,000	£4.44	£6.22
£21,000	£4.66	£6.53
£22,000	£4.88	£6.84
£23,000	£5.11	£7.15
£24,000	£5.33	£7.46
£25,000	£5.55	£7.78
£26,000	£5.77	£8.09
£27,000	£5.99	£8.40
£28,000	£6.22	£8.71
£29,000	£6.44	£9.02
£30,000	£6.66	£9.33

Personal Belongings
Sum Insured	Weekly Payments
£1,000	£0.70
£2,000	£0.92
£3,000	£1.12

Wheelchairs
Sum Insured	Weekly Payments
£1,000	£0.98
£2,000	£1.96
£3,000	£2.94

Hearing Aids
Sum Insured	Weekly Payments
£1,000	£0.98
£2,000	£1.96
£3,000	£2.94

*Only available to tenants aged 60 or over and in receipt of state pension

All premiums are inclusive of Insurance Premium Tax at the current rate.

How to pay

Premiums can be paid weekly alongside your rent payments.

When your Policy will start

Your insurance will begin on the date you are accepted onto the scheme.

To make sure you are always covered, you must keep up your payments.

Your right to cancel the policy

If having examined your policy you decide not to proceed with the insurance, you will have 14 days to cancel it starting on the day you receive the policy documentation.

On receipt of your written notice we will refund any premiums already paid, unless we have been notified of a claim.

Eligibility

You must be a tenant of Shoreline Housing Partnership to be eligible for this insurance policy. Should you cease to be a tenant, e.g. you move to another landlord or you purchase the property from Shoreline Housing Partnership, you will no longer be eligible for this insurance and cover provided by this policy will cease. You must make alternative arrangements.

How to apply

Complete the application form, you can find a link to download it at the top of this page. Alternatively you can collect a form from one of our offices, click here for details of where they are located, or you can phone the Neighbourhood Services team on 0845 849 2000 and they will post a form out to you.

Please make sure you have answered all the questions and signed and dated the Declaration.

Once completed please return your form to: