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CONTENTS

Introduction 2

Your Policy and Insuring Clause 4

Customer Complaints 5 – 6

General Definitions 6 – 7

Section 1 Buildings 8 – 12

Section 2 Loss of rent 13 – 14

Section 3 Property Owners’ Liability 15 – 17

Section 4 Employers’ Liability 18 – 19

Section 5 Contents 20 – 21

General Exclusions 22 – 24

General Conditions 25 – 28

Endorsements 29 – 30

Additional Benefits - Cyberscout 31 – 35

Privacy and Your Personal Information 36

YOUR POLICY AND INSURING CLAUSE

Your Policy

This is Your Property Owner Policy and confirms the 

insurance cover agreed between You (the

Insured) and Us (the Company).

Your Policy comprises the proposal or similar application 

form when applying for the insurance,

this Policy wording and the Policy Schedule and 

Endorsements applicable; and must be read

together as one document.

Please examine this Policy carefully to ensure you 

understand its terms and conditions and it

provides the cover you require. Immediate notification 

should be made if You think there are

amendments to be made or new circumstances arise that 

would affect Your insurance as stated

in General Condition 3