Turkish Property Insurance - Policy Wording

Turkish Property Insurance - policy wording

YOUR POLICY Here is your new Policy containing details of the cover you have arranged. We have made every effort to make our intentions clear. Please read your Policy carefully and if you have any queries we will be pleased to help you. We aim to provide a high level of service and to pay claims fairly and promptly within the terms set out in the Policy.

WHAT COVER IS INCLUDED? The Policy is divided into a number of different Sections. To find which Sections are in force you should check your Schedule, the document enclosed with the Policy. The Schedule also tells you how much you are insured for under each Section.

HOW MUCH TO INSURE YOUR TURKISH PROPERTY FOR It is up to you to make sure that the amounts you insure for represent the full re-building cost of the building(s) and the full replacement costs as new (less an amount for wear and tear on clothing and household linen) of the contents concerned. Remember, if you underinsure, claim payments may be reduced. You can change your Sums Insured at any time - you do not have to wait for renewal.

IF YOU HAVE A PROBLEM If you have a problem regarding this Policy you should contact us using telephone numbers at the beginning of this policy wording.

CANCELLATION INFORMATION A 14 day cancellation period is applicable to this policy from the day after receipt of documentation.

CHANGES IN YOUR CIRCUMSTANCES Your Policy has been based on the information which you have given us about yourself and your Home. You must tell us immediately of any changes to this information including of course any change of address. You must also notify us if you or anyone living with you are declared bankrupt or are convicted of arson, fraud, forgery, theft, robbery or handling of stolen goods.

USING THE HELPLINES The telephone numbers of the Help lines are shown on the inside front cover of this document.

HOW TO MAKE A CLAIM To make a claim, first read the Policy and Schedule to check that you are covered. To register a claim and obtain a claim form please contact Intasure on 0845 111 0672. Or you may write to: Intasure, FREEPOST NAT14889, ROMFORD RM7 9BR. You should complete a claim form and let us have as much information as possible to help us deal with your claim quickly and fairly. You should also refer to the section on page 22, Notification and Conduct of Claims. Finally, do not hesitate to ask for advice, we will be pleased to help you.

YOUR RESPONSIBILITIES In order to protect your property to it's fullest extent we will expect you to comply with all terms and conditions.

Certain words in your Policy have special meanings. These meanings are given below.

Bodily Injury Death, injury, illness or disease.

Buildings The Home named in the Schedule, the domestic out-buildings and garages, swimming pools, fixed fuel oil tanks, walls, gates and fences, the interior decorations and the fixtures and fittings within the buildings, all owned by you or for which you are legally responsible and within the premises named in the Schedule.

Contents Household goods and personal property. Money and Valuables all belonging to or the responsibility of You or Your Family contained in the Home or in the open within the boundaries of the Land belonging to the Home. The term Contents does not include:-

1. any living creature, any mechanically propelled vehicle (other than domestic gardening machines), aircraft, hovercraft, watercraft and accessories attached thereto, outboard engines, motorcycles, caravans, trailers, trailer tents and their parts and accessories, credit cards, deeds, bonds, bills of exchange, promissory notes, securities for money, documents, manuscripts, firearms, shotguns.
2. goods used for business or professional purposes.
3. any part of the Buildings including fixtures and fittings unless otherwise agreed.
4. any property specifically insured against the perils covered hereby under any other insurance.
5. damage by vermin or insects.

Endorsements Any variation or addition to the terms of the Policy.

Excess The sum shown in your Schedule which is the amount to be deducted from your claim for loss or damage resulting from the same incident and insured under any or all Sections of the Policy.

Garden The open ground within the boundaries of the land belonging to the Insured property.

Home The private dwelling of permanent construction comprising house, bungalow, cottage, chalet or flat named in the schedule.

Insured (a) The first named party in the Policy Schedule. (b) Any member of the Insured's family permanently residing with him/her.

Money Cash, bank or currency notes, cheques, travellers cheques, postal or money orders, saving stamps and certificates, travel tickets, luncheon vouchers, current stamps (face value only) and gift tokens.

Policyholder/You/Your The person(s) named as the Policyholder in the Schedule.

Property Material property.

Schedule The current Schedule issued by us as part of your Policy shows details of the Policyholder, the property insured, the period of insurance and which sections of the Policy apply.

Unoccupied

1. Insufficiently furnished for normal occupation.
2. Furnished for normal occupation but has not been lived in for more than 30 consecutive days (or 7 consecutive days between 1st November and 31st March inclusive).

Unspecified Personal Effects and Clothing Personal property which is designed to be worn or carried on or about the person. The term Unspecified Personal Effects and Clothing does not include pedal cycles, contact or corneal lenses.

Valuables Jewellery, gold, silver, precious metals, clocks and watches, coin, medal and stamp collections, works of art, furs.

We/Us/Our The Insurance Company named in the Schedule.

You/Your Family You, your spouse or domestic partner who lives at the same address as you and shares financial responsibilities, your children, parents and other relatives who permanently reside with you.

Exchange Rates The Currency applicable to this policy is Sterling. However there may be occasions when we need to convert from Sterling to Euros or Euros to Sterling. In such circumstances, we will convert using the Royal Bank of Scotland commercial Exchange rate on the day a claims payment is made under this policy.

Index Linking The Sums Insured will be adjusted annually in line with:

Buildings The House Rebuilding Cost Index prepared by the British Royal Institution of Chartered Surveyors.

Important Because of regional variations in the construction of buildings and cost of materials you should review your buildings sum insured on a regular basis.

Contents The Government's General Index of Retail Prices. Should this Index not be available another appropriate Index will be used.
No additional charge will be made for this during each year but renewal premiums will be calculated on the adjusted Sums Insured.
Index Linking will continue from the date of loss or damage to the settlement of the resulting claim provided you have not unreasonably delayed notification or settlement of the claim.

Your Schedule tells You if this Section is in force.

We will pay for A. The Basic Cover - Loss of or damage to Buildings caused by:

1. Fire, explosion, lightning, earthquake or subterranean fire.
2. Smoke.
3. Riot, civil commotion, labour or political disturbances.
4. Malicious persons or vandals.
5. Storm, flood, hail or snow.
6. Escape of water or oil from any fixed heating or domestic water installation, washing machines or dishwashers.
7. Theft or attempted theft.
8. Collision involving aircraft or aerial devices or anything dropped from them, vehicles or animals.
9. Falling trees or branches (including the cost of removal up to £500), lamp posts or telegraph poles.
10. Falling receiving aerials and their fittings or masts, solar panels, satellite dishes and fittings.
    
    Optional Accidental Damage Cover
11. Accidental Damage to the Buildings (applicable only when property is occupied by the Insured or family).
12. Damage to Underground Services. Accidental damage to underground services to the home for which you are legally responsible.

We will not pay for The amount of any Excess shown in your schedule A.

1. Earthquake or subterranean fire for property in Italy or Greece.
2. Damage caused by any gradually operating cause.
3. Loss or damage caused by (a) persons lawfully in the Home. (b) whilst the home is unfurnished.
4. Loss or damage caused (a) by subsidence or landslip. (b) by avalanche. (c) by frost. (d) to domestic out-buildings and garages of light construction, domestic fixed fuel oil tanks in the open, gates, fences and hedges.
5. Loss or damage (a) to domestic out-buildings and garages of light construction. (b) caused by wet or dry rot. (c) to the installation itself caused by corrosion or wear and tear.
6. Loss or damage caused by you or your family or tenant.
7. Damage caused by domestic pets or insects or birds.
8. (a) Damage to hedges, gates and fences. (b) Destruction or damage caused during felling or lopping operations.
   
   Optional Accidental Damage Cover
9. Loss or damage while your Home or any part of it is lent to any persons other than your Family or let to tenants or occupied by paying guests.
10. The cost of maintenance.
11. Damage caused by settlement or shrinkage of the Buildings.
12. Damage caused by subsidence or landslip.
13. Damage caused by wear and tear, atmospheric or climatic conditions, rot, fungus, insects, vermin, domestic pets or any gradually operating cause.
14. Damage caused by faulty workmanship or design or the use of defective materials.
15. Any loss, destruction or damage specifically excluded elsewhere in Section 1.
16. Loss or damage by inherent defect and electrical and mechanical breakdown.
17. Damage caused whilst clearing, or attempting to clear a blockage. Damage caused by rodents / vermin.

We will also pay for

1. Temporary Accommodation or Loss of Hiring Charges
   • the reasonable cost of Your temporary accommodation in the event of the Home being so damaged as to render it uninhabitable by any cause for which indemnity is provided under Section 1A of this Policy, provided that our liability shall not exceed a sum equivalent to 20% of the Sum Insured on the Buildings in any one period of insurance.
   • Loss of hiring charges for bookings actually made and confirmed with you prior to and in the event of the Home being so damaged as to render it uninhabitable by any cause for which indemnity is provided under Section 1A of this Policy, provided that our liability shall not exceed a sum equivalent to 20% of the Sum Insured on the Buildings in any one period of insurance.
   • Loss of hiring charges for bookings actually made and confirmed with you prior to and in the event of pollution or oil spillage within a radius of one mile of the nearest beach, provided that our liability shall not exceed £1000 in any one period of insurance.
   • Loss of hiring charges as a result of any occurrence of murder or suicide or notifiable disease or illness arising from or traceable to foreign or injurious matter in food or drink at the Home.
2. Glass and Sanitary Fixtures Accidental breakage of fixed glass, wash basins, splash backs, pedestals, sinks, lavatory pans, cisterns, bidets and baths up to £1000 in any one period of insurance. Excluding:
   • damage to or the cost of removing or replacing frames.
   • breakage of property not in sound condition.
   • frost damage.
3. Removal of Debris and Demolition Costs Expenses necessarily incurred by you with our consent in removing debris, dismantling and/or demolishing, shoring or propping up of the portion or portions of the insured property destroyed or damaged by any peril insured under Section 1 subject to our liability not exceeding 10% of the Sum Insured on the Buildings in any one period of insurance.
4. Architects and Surveyors Fees The cost of architects, surveyors and other fees for estimates, plans, specifications suggested by a loss adjuster, quantities, tenders and supervision necessarily incurred in reinstatement consequent upon destruction of or damage to the Buildings by any peril hereby insured against, not exceeding the scale of fees laid down by the Royal Institution of British Architects, the Royal Institute of Chartered Surveyors or other appropriate professional institute current at the time of the destruction or damage. Provided that our liability hereunder shall not exceed an amount equivalent to 10% of the Sum Insured on the Buildings in any one period of insurance.
5. Moving Home If you are selling the Home the purchaser will have the benefit of this Section during the period between exchange of contracts and completion provided that the Home is not insured elsewhere.
6. Loss of Metered Water and Oil Providing cover by Section 2 - Contents is not in force, up to £750 for loss of metered water or domestic heating oil (for which you are legally responsible) following accidental damage to fixed domestic water or heating installations situated in or on the Home. Excluding loss or damage caused while the Home is unfurnished or unoccupied for a period in excess of thirty days.
7. Trace and Access We will pay the cost (incurred with our permission) of finding the source of any escape of water or oil from any fixed domestic water services or heating installations including subsequent repairs to walls, floors or ceilings. We will not pay more than £1000 for any one claim during any one period of insurance.
8. Emergency Access Damage to your home caused by forced access to attend a medical emergency or an event which could result in damage to the Home.

We will at our option pay the cost of repair or replacement, subject to repair or rebuilding being carried out provided that, at the time of loss or damage, the Sum Insured is not less than the rebuilding cost and the Buildings are in good repair.

The rebuilding cost is the cost of rebuilding the Buildings in the same size and style and condition as when new, including the additional costs described in paragraphs D and E of this Section.

The total amount payable under paragraphs A and B will not exceed the Sum Insured.

If the Buildings are not in good repair or if repair or replacement is not carried out we will at our option:

• pay the cost of repair or replacement less a deduction for wear and tear and depreciation or
• pay for the reduction in market value caused by the loss or damage.

The Sum Insured will not be reduced by the amount of any claim.

Underinsurance If the Sum Insured is less than the rebuilding cost we will only pay the same proportion of the loss or damage as the Sum Insured bears to the full rebuilding cost. For example, if the Sum Insured represents only one half of the rebuilding cost we will only pay for one half of the amount lost or damaged.

• the total claim does not exceed £500.
• at the time of a claim the Sum Insured represents more than 85% of the full rebuilding cost and subject to you re-valuing the Sum Insured thereafter.

Matching Items We will not pay the cost of replacing any undamaged item or part of any item solely because it forms part of a set, suite or one of a number of items of similar nature, colour or design.

Your Schedule tells You if this Section is in force.

We will pay for

1. Fire, explosion, lightning, earthquake or subterranean fire.
2. Smoke.
3. Riot, civil commotion, labour or political disturbances.
4. Malicious persons or vandals.
5. Storm, flood, hail or snow.
6. Escape of water or oil from any fixed heating or domestic water installation, washing machines or dishwashers.
7. Theft or attempted theft.
8. Collision involving aircraft or aerial devices or anything dropped from them, vehicles or animals.
9. Falling trees or branches (including the cost of removal up to £500), lamp posts or telegraph poles.
10. Falling receiving aerials and their fittings or masts, solar panels, satellite dishes and fittings.
    
    Optional Accidental Damage Cover
11. Accidental Damage to the Contents, (applicable only when property is occupied by the Insured or family).

We will not pay for

1. The amount of any Excess shown in your schedule.
2. Earthquake or subterranean fire for property in Italy, Greece and Cyprus.
3. Damage caused by any gradually operating cause.
4. Loss or damage caused by
   • Persons lawfully in the Home.
   • whilst the Home is unfurnished.
5. Damage caused by subsidence or landslip.
6. Loss or damage
   • caused by wet or dry rot.
   • damage to the installation itself caused by corrosion or wear and tear.
7. • Loss or damage occurring whilst the Home or any part is lent or let unless involving forcible and violent entry to or exit from the Home.
   • Loss or damage by you or your family or any tenant.
   • Loss by deception unless deception is only used to gain entry to the Home.
   • Any amount in excess of £2,500 for loss from out-buildings other than garages.
8. Damage caused by domestic pets or birds.
9. Destruction or damage caused during felling or lopping operations.
   
   Optional Accidental Damage Cover
10. Loss or damage while your Home or any part of it is lent or let to any persons other than your family or let to tenants or occupied by paying guests.
11. damage which is specifically excluded elsewhere in section 2 - Contents.
12. damage to personal effects and clothing.
13. deterioration of food.
14. damage caused by wear and tear, atmospheric or climatic conditions, rot, fungus, insects, vermin, domestic pets, repair, cleaning, alteration, restoration, dyeing, depreciation or any gradually operating cause.
15. damage caused by mechanical or electrical breakdown.
16. damage caused by faulty workmanship or design or the use of defective materials.
17. loss or damage by inherent defect and electrical and mechanical breakdown.

We will also pay for

B. Contents Away from the Premises

• against loss or damage caused by any of the perils insured under Section 2A whilst in any trade building for the purpose of alterations, cleaning or processing, or in any furniture depository, up to a limit of 20% of the Sum Insured on Contents.
• against loss or damage elsewhere caused by the perils of Fire, Lightning, Explosion, Aircraft or Earthquake only.
• against loss or damage during the process of removal and transit following permanent change of Home or whilst in transit to and from any furniture depository, caused by the perils of Fire, Lightning, Explosion, Aircraft or Earthquake.

• contents outside the country in which the Home is situated.
• cash, currency, bank notes, negotiable documents or coins and stamps (including coins or stamps forming part of a coin or stamp collection).

C. Cash in Meters
Loss of cash contained in electricity or gas supply meters, your property or for which You are responsible, up to a maximum of £50 following violent or forcible entry to the Home.

D. Additional Costs
Additional costs of alternative accommodation necessarily incurred by You as occupier if the Buildings are rendered uninhabitable by any of the insured perils, not exceeding 10% of the Sum Insured on Contents of the Building(s) damaged or destroyed.

E. Breakage of Glass and Mirrors
Accidental breakage of mirrors, glass tops to furniture and ceramic hobs and fixed glass in furniture in the Home up to £1000 in any one period of insurance.

F. Tenants Liability
Up to 15% of the Sum Insured on Contents for all sums for which You are legally liable to pay as Tenant (and not as Owner) for damage to the Buildings as described in paragraphs A, B and D of Section 1- Buildings and the additional costs described in paragraphs E and F of that Section.

G. Loss or Theft of Keys
The cost of replacing a lock or mechanism in the event of the keys to the locks:-

• of any external door of the Home or
• of the alarm system or domestic safe, if fitted, being accidentally lost or stolen, up to £250 in respect of any one occasion.

H. Loss of Metered Water and Oil
Up to £750 for loss of metered water or domestic heating oil (for which You are legally responsible) following accidental damage to fixed domestic water or heating installations situated in or on the Home. Excluding loss or damage caused while the Home is unfurnished or unoccupied for a period in excess of thirty days.

I. Garden Ornaments and Furniture
We will pay the cost of replacing or repairing your Garden Furniture, unfixed statues and barbeque equipment for loss or damage caused by an insured peril other than Storm, Tempest or Flood up to a maximum of £750 any one period of insurance.

J. Pedal Cycles
Pedal cycle(s) and its accessories up to £250 are insured anywhere in the Continent of Europe against:

• loss or damage caused by theft or attempted theft
• accidental damage while being used by you or any member of your family.

We will at our option pay the cost of repair or for replacement as new (less an amount for wear, tear and depreciation on clothing and household linen) provided that, at the time of loss or damage, the Sum Insured is not less than the full replacement cost.

The full replacement cost is the cost of replacing all Contents as new less an amount for wear, tear and depreciation on clothing and household linen.

In respect of any one claim We will not pay more than:

• the Sum Insured as stated on Your Schedule
• £500 for theft from any unattended motor vehicle. Theft cover from any motor vehicle only applies if Your property is non visible from the exterior and stored in the boot or concealed luggage compartment and the vehicle locked and, where applicable, the alarm installation activated.
• Single Article Limit £2000 unless otherwise shown in the Schedule. The Sum Insured will not be reduced by the amount of any claim.

Underinsurance If the Sum Insured is less than the full replacement cost We will only pay the same proportion of the loss or damage as the Sum Insured bears to the full replacement cost. For example, if the Sum Insured represents only one half of the full replacement cost We will only pay for one half of the amount lost or damaged. This provision will not be applied where:

• the total claim does not exceed £500
• at the time of a claim the Sum Insured represents more than 85% of the full replacement cost and subject to You re-valuing the Sum Insured thereafter.

Matching Items We will not pay the cost of replacing any undamaged item or part of any item solely because it forms part of a set, suite or one of a number of items of similar nature, colour or design.

We will also pay for

J. Pedal Cycles (Continued) The cover provided under this Sub-section (J) EXCLUDES loss or damage:

• caused by electrical and/or mechanical fault or breakdown
• to tyres, lamps or other accessories unless the pedal cycle is lost or damaged at the same time
• while the pedal cycle is used for racing or is hired or lent to anyone
• by theft unless in a building or securely locked to an immovable object.

K. Freezer contents The freezer and refrigerator contents up to £500 are insured against spoilage caused by accidental failure of the freezer and/or refrigerator; refrigerator fumes escaping from the equipment; accidental failure of the electricity or gas supply. The cover provided under this Sub-section (K) EXCLUDES loss or damage:

• caused by the deliberate restriction or withholding of the electricity or gas supply by any supply authority
• caused by any strike, lockout or industrial dispute.

L. Personal Effects and Money In addition to the Sum Insured shown in the Schedule under the heading Contents, we will also pay up to £500 for loss of Personal Effects, including up to £100 Personal Money, subject to terms and limitations of Section 2a of this policy, excluding items as shown on page 3 Contents.

Your Schedule tells You if this Section is in force.

Special Note For the purpose of this Section only, the Definition of Policyholder/You/Your shall include any person or persons who with your permission temporarily occupy the Home.

The Covers You will, subject to the Limit of Indemnity, be indemnified against all sums for which You may be legally liable to pay in respect of:-

• accidental Bodily Injury to any person
• accidental loss of or damage to Property not belonging to You or in your custody or control or any of your tenants or employees occurring on or about the Home
• death, bodily injury or disease of any domestic employee. The maximum amount payable under this Section in respect of any one claim or series of claims arising out of any one event is defined in the Schedule and is in addition to costs and expenses incurred with our written consent.

Exclusions We shall not indemnify You against liability: -

• which attaches by virtue of an agreement but which would not have attached in the absence of such agreement
• for Bodily Injury to any person arising out of and in the course of employment or engagement by You or Your Family other than for solely private domestic duties where the maximum amount payable is £10,000,000
• arising out of your employment profession or business other than letting of your Home
• arising out of the ownership of land or buildings other than the Home detailed in the Schedule
• for loss or damage to property belonging to You or Your Family or in your custody or control or any of your employees
• arising in connection with the use ownership or custody of firearms (including handguns, shotguns, air rifles and air pistols) and all or any ammunition for such firearms
• arising from the use ownership or possession of any mechanically propelled vehicle
• arising from pollution or contamination of any sort and however caused
• arising out of any incidents where you are entitled to indemnity under any other insurance except for the amount in excess of the limit payable (and for which payment has been agreed) under such other insurance
• any condition which is directly or indirectly related to HIV (Human Immunodeficiency Virus) and/or HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or mutant derivatives or variations however caused
• the ownership or possession of an animal to which any section of the Dangerous Dogs Act 1991 (or any amending legislation) applies.

 *Please download Policy Wordings for full details.