Churchill Property Owners Insurance Summary

Please read this document carefully.

Full terms and conditions can be found

within the Policy Booklet.

The Property Owners policy is underwritten by

U K Insurance Limited and will run for

12 months or as shown on the schedule.

Full details of any Endorsements or Excesses

that apply will be shown in the Policy Schedule

or Policy Booklet.

Churchill Property Owners

Insurance Summary

Page 2

Product Summary

Churchill Property Owners Insurance Policy

Cover Extensions included

as standard

Conditions Exclusions

Available on “Speciﬁed

Contingencies” basis with the option

to include “Accidental Damage” for:

• Buildings

• Landlords’ ﬁxtures and ﬁttings

• Walls, gates, fences, patios,

terraces, drives, yards, car parks,

car ports, roads, pavements,

underground pipes and cables

• Shop fronts and all ﬁxed glass

therein, blinds and ﬁtments

Subsidence is available as an option

in most cases

• Index Linking

• Basis of Claims Settlement –

reinstatement

• Designation

• Reinstatement of Sum Insured

following a loss

• Excess – as per schedule

• Felt/Flat Roof

• Subsidence

• Various Exclusions apply to Vacant

or Disused Premises

• Malicious Damage and Theft or

attempted Theft by employees,

tenants and other persons

lawfully in the Premises

• Damage caused by riots, strikes,

civil commotion or labour

disturbances in Northern Ireland

• Damage to gates and fences

caused by storm or ﬂood or

breakage or collapse of aerials,

satellite dishes or falling trees

• Damage caused by an explosion

due to the bursting by steam

pressure of a boiler, economiser or

any other apparatus unless used

for domestic purposes

• Damage caused by storm or ﬂood

resulting from frost, subsidence,

ground heave or landslip or

attributable solely to changes in

the water table level

• Damage due to the breakage or

collapse of aerials, satellite dishes

or falling trees unless caused by

lopping, pruning or felling of trees

• Property more speciﬁcally insured

• Damage to glass and sanitary

ware as deﬁned under Section 5

– other than by Fire, Lightning or

Explosion

• Damage to any particular piece

of equipment or appliance

by self ignition, short circuit,

excess pressure etc unless more

speciﬁcally insured under the

Policy Extensions

• Frost damage to plumbing

installations in outbuildings.

Accidental Damage (if selected)

then the following additional

exclusions will apply:

Damage caused by:

• Wear and tear, the action of light

and atmosphere

• Moth, vermin or insects

• Any process of cleaning, dyeing,

restoring or repairing

• Wind, hail, sleet snow, ﬂood or

dust damage to walls

• Subsidence, landslip or ground heave

• Corrosion, wet or dry rot, marring

or scratching

• Normal settlement or bedding

down of new structures

• Inherent vice, latent defect,

gradual deterioration

• Faulty or defective workmanship

• Collapse or cracking of Buildings

• Maintenance, redecoration or

repair costs

Subsidence, ground heave and

landslip (if selected)

then the following additional

exclusions will apply:

• Damage caused to yards, car parks,

roads, pavements, swimming pools,

walls, gates and fences unless also

affecting an insured building

• Accidental Damage to

underground service pipes and

cables

• Ground rent – up to 2 years

whilst uninhabitable and up

to a maximum of 10% of the

Sum Insured

• European Union and Public

authorities

• Professional fees

• Capital Additions – up to 20%

of Sum Insured or £2,000,000

whichever is less

• Removal of Debris

• Damage by Emergency Services –

up to £25,000 any one claim

• Contracting Purchaser’s Interest

• Trace and Access – up to £25,000

any one claim

• Subrogation Waiver against

Parent or Subsidiary Companies,

Tenants and Lessees

• Non-invalidation

• Workmen

• Mortgage – interests of

mortgagors and leaseholders/

lessees protected following

increased risk

• Drain clearance costs

• Fire extinguishment Alarm

Resetting Expenses and Additional

sprinkler upgrade costs

• Loss of metered water and

heating oil – up to £25,000 in any

period of insurance

• Unauthorised use of Electricity,

Gas or Water – up to £25,000 any

one claim

• Alternative accommodation costs

whilst the Building is uninhabitable

up to the Sum Insured for 24

months from the date of damage

• Fly Tipping up to £25,000 any one

claim

• Removal of Nests up to £1,000

any one claim

• Further Investigation Expenses

• Removal of Tenants’ Debris up to

£25,000 any one claim

• Temporary Removal

• Loss of or Duplication of Keys up

to £15,000

Section 1: The Structure

Page 3

Property Owners Insurance Policy – Key Facts

Cover Extensions included

as standard

Conditions Exclusions

• Damage which originated prior to

inception of cover

• Damage resulting from demolition,

construction, structural alteration

or repair of any property at the

same premises

• Damage resulting from

groundworks or excavation at the

same premises

Damage caused by:

• The normal settlement or bedding

down of new structures

• The settlement or movement of

made-up ground

• Coastal or river erosion

• Defective design or workmanship

or the use of defective materials

• Fire, subterranean ﬁre, explosion,

earthquake or the escape of water

from any tank apparatus or pipe

Section 1: The Structure (continued)

Page 4

Cover Extensions included

as standard

Conditions

Available on “Speciﬁed

Contingencies” basis with the option

to include “Accidental” Damage”

including:

• Fixtures and ﬁttings (not forming

a permanent part of the structure)

• Contents of Common Parts

• Floor Coverings

Subsidence is available as an option

in most cases

• Index Linking

• Basis of Claims Settlement –

reinstatement

• Automatic Reinstatement of

Sum Insured

• Excess – as per schedule

• Felt/Flat Roof

• Subsidence

• Temporary Removal – up to £25,000

• Replacement Locks – up to £25,000

• Debris Removal Costs – up to

£25,000 any one premises

• Loss of Oil and Metered Water –

up to £25,000 any one period

of insurance

• Alternative Accommodation

Costs whilst the Building is

uninhabitable up to £100,000

Exclusions

• Various exclusions apply to vacant

or disused premises

• Malicious Damage and Theft or

attempted Theft by employees,

tenants and other persons lawfully

in the Premises

• Damage caused by storm or ﬂood

resulting from frost, subsidence,

ground heave or landslip or

attributable solely to changes in

the water table level

• Damage due to the breakage or

collapse of aerials, satellite dishes

or falling trees unless caused by

lopping, pruning or felling of trees

• Damage due to leakage of

beverages from bottled stock

Damage to:

• Property in the open in respect

of riot, malicious damage, civil

commotion, labour disturbances,

storm, ﬂood and theft

• Stock and Materials in Trade

• Bills of exchange, money,

promissory notes, securities,

deeds, bonds etc.

• Business books, plans and

speciﬁcations, designs and

computer records

• Jewellery, watches, furs and

precious stones and metals

• Works of art and antiques

• Property more speciﬁcally insured

• Cessation of work or conﬁscation

by authorities

• Plant or ﬁttings by self-ignition,

short-circuit, excessive pressure,

self-heating or leakage of

electricity

• Any particular piece of equipment

or appliance by self ignition, short

circuit excess pressure etc unless

more speciﬁcally insured under the

Policy Extensions

• Any electrical sign or its

installation

Accidental Damage (if selected)

then the following additional

exclusions will apply:

Damage caused by:

• Wear and tear, the action of light

and atmosphere

• Moth, vermin or insects

• Any process of cleaning, dyeing,

restoring or repairing

• Corrosion, wet or dry rot, marring

or scratching

• Subsidence, landslip or ground

heave

• Inherent vice, latent defect,

gradual deterioration

• Any machine arising from

mechanical, electrical or electronic

breakdown

• Normal maintenance or repair

• Faulty or defective workmanship

• Erasure or distortion of information

on computer records

• Dishonesty or fraud by Your

employees or anyone lawfully on

the premises

Standard Cover

Section 2: Landlords Contents

Cover Extensions included

as standard

Conditions Exclusions

• Maintenance, redecoration or

repair costs

• Conﬁscation or detention by Customs

or other ofﬁcials or authorities

• Damage to glass or sanitary ware

as deﬁned under Section 5 – other

than by Fire, Lightning or Explosion

Subsidence, ground heave and

landslip (if selected)

then the following additional

exclusions will apply:

• Damage caused to yards,

car parks, roads, pavements,

swimming pools, walls, gates and

fences unless also affecting an

insured building

• Damage which originated prior to

inception of cover

• Damage resulting from demolition,

construction, structural alteration

or repair of any property at the

same premises

• Damage resulting from groundworks

or excavation at the same premises

Damage caused by:

• The normal settlement or bedding

down of new structures

• The settlement or movement of

made-up ground

• Coastal or river erosion

• Defective design or workmanship

or the use of defective materials

• Fire, subterranean ﬁre, explosion,

earthquake or the escape of water

from any tank apparatus or pipe

Section 2: Landlords Contents (continued)

Property Owners Insurance Policy – Key Facts

Page 5

Page 6

Property Owners Insurance Policy – Key Facts

Cover Extensions included

as standard

Legal liability to pay damages and

associated costs in respect of:

• Accidental Bodily Injury

• Accidental damage to property

• Accidental obstruction, trespass,

nuisance or interference with air,

light, water or way

• Wrongful arrest, detention,

imprisonment or eviction,

malicious prosecution or invasion

of privacy

Indemnity limit as shown in the

Schedule

Conditions Exclusions

• Ownership of buildings not insured

under Section 1 – The Structure

• Ownership of land unless we have

agreed to provide cover

• Excluding manual work away from

Premises (other than collection

or delivery)

• Injury or damage arising from any

mechanically propelled vehicle

licensed for road use or any vessel

made to ﬂoat on, in or travel

through water, air or space

• Professional negligence, wrongful or

inadequate treatment, examination,

prescription or advice given

• Goods which You supply, install,

erect, repair or treat

• Cost of rectifying or replacing

defective work

• Pollution or Contamination

other than caused by a sudden

identiﬁable and unintended and

unexpected incident

• Damage to anything supplied,

installed or erected by You if such

Damage is attributable to any

defect therein

• Cross Liabilities

• Motor Contingent Liability

• Defective Premises Act 1972

• Wrongful Arrest

• Compensation for Court

Attendance connected to

a claim (up to £500 per day for

partner/director and £250 for

each employee)

• Additional Persons Insured

• Worldwide Personal Liability

• Contractors Contingent Liability

• Contractual Liability

• Health & Safety at Work Act 1974

• Data Protection Act 1998

• Corporate Manslaughter and

Corporate Homicide Act 2007

(up to £1,000,000 any one period

of insurance)

Standard Cover

Section 3: Public Liability

Property Owners Insurance Policy – Key Facts

Page 7

Cover Extensions included

as standard

Conditions Exclusions

Available on “Speciﬁed

Contingencies” basis with the

option to include “Accidental”

Damage” including

Loss of:

• Rent

• Additional Expenditure

• Auditors or accountants charges

• Outstanding Debit Balances

Subsidence is available as an option

in most cases.

• Reinstatement of Sum Insured

following a loss

• Cessation of Trading

• First Financial Year

• Payment on Account

• Unoccupied Buildings

• As shown under Section 1 –

The Structure and Section 2 –

Landlords Contents

• Boiler Explosion

• Prevention of Access

• Loss of Book Debts

• Public Utilities

• Professional Accountants’ Charges

• Automatic Rent Review – limit

100% increase

• Subrogation Waiver against

Parent or Subsidiary Companies,

Tenants and Lessees

• Contingency Rent Extensions for

Landlords’ Protection

• Denial of Access up to £100,000

• Loss of Attraction

Optional Cover

Section 4: Rent Receivable

Cover Extensions included

as standard

• “All Risks” cover on Glass,

Sanitary Ware and Shop Front

Glass at the Premises for which

You are responsible

Conditions Exclusions

Damage arising out of:

• Fire, Lightning or Explosion

• Removal or installation or repairs

or alterations carried out at the

Premises

• Theft unless theft is covered

under Section 1 or 2

• Damage in any portion of Vacant or

Disused Buildings

• Reasonable cost of boarding up

• Damage to frames or framework

following breakage of Glass

• Removal/Replacement of ﬁxtures

to effect replacement of glass

• Replacement of foil lettering,

painting of glass, etc.

• Accidental damage to goods

following breakage of glass in

display windows

Standard Cover

Section 5: Glass and Sanitary Ware

Page 8

Cover Extensions included

as standard

Conditions Exclusions

Legal liability to pay damages and

associated legal costs in respect of

death, disease or illness caused to

employees.

Indemnity limit £10,000,000

(inclusive of legal costs), unless

otherwise shown in the Schedule.

• Right of Recovery

• Certiﬁcate of Employers Liability

– if policy or section cancelled

certiﬁcate becomes ineffective

from cancellation date

• Bodily injury to employees (other

than the driver) from being in or

on any vehicle where injury results

from use by you of a vehicle whilst

on the road under the terms of Part

VI of the Road Trafﬁc Act 1988

• Visits or work on any offshore rig

or platform

• Health & Safety at Work Act 1974

• Compensation for Court

Attendance connected to a claim

(£500 per day for partner/director

and £250 for each employee)

• Unsatisﬁed Court Judgements

• Additional Persons Insured

• Injuries to Working Partners

• Corporate Manslaughter and

Corporate Homicide Act 2007

(up to £1,000,000 any one

period of insurance)

Optional Cover

Section 6: Employers Liability

Cover Extensions included

as standard

Conditions Exclusions

Legal Expenses up to £100,000 in

relation to the following:

• Standard Cover

• Legal Defence and Eviction of

Squatters

• Property Damage

• Contract Disputes

• Rent Recovery

The most We will pay in Cost

and Expenses is no more than

the amount We would have paid

to a Preferred Law Firm or Tax

Consultancy. The amount We will

pay a law ﬁrm or tax consultancy

(where acting as an Appointed

Lawyer) is £100 per hour.

Claims under this Section are dealt

with and managed by DAS Legal

Expenses Insurance Company Ltd

on Our behalf.

The following Conditions apply to

Rent Recovery:

• If You accept payment (or part

payment) of rent arrears from the

tenant of the Premises, You must

be able to provide proof that You

have warned the tenant that it

does not prevent You taking further

action against them under this

Policy

• Where the tenant is a limited

company, You must ﬁrst seek

advice from the Appointed Lawyer

before accepting payment of rent

arrears

Section Conditions

• DAS can take over and conduct,

in Your name, any claim or legal

proceedings at any time.

• We will not pay any claim covered

under any other policy, or any

claim that would have been

covered by any other policy if this

Section did not exist

• Any claim reported to DAS more

than 90 days after the date the

Insured should have known about

the Insured Incident

• Any Costs and Expenses, Hotel

Expenses or Storage Costs that

are incurred before DAS agree to

pay them

• Any disagreement with Your tenant

when the Date of Occurrence is

within the ﬁrst 90 days of the

ﬁrst Period of Insurance and the

tenancy agreement started before

the start of insurance cover under

this Section

• A claim which is fraudulent,

exaggerated or dishonest or where

an allegation of dishonesty or

violent behaviour has been made

against You

• Any claim relating to registering

rents, reviewing rents, rent

control, buying the freehold of the

Premises or any matter that relates

to rent tribunals, rates tribunals,

land tribunals, rent assessment

committees and rent ofﬁcers

• Any claim relating to someone

legally taking the Premises from

You, whether You are offered

money or not, or restrictions or

controls placed on the Premises

by any government or public or

local authority unless the claim is

for accidental physical damage

caused by any of the above

• Any claim relating to Subsidence,

mining or quarrying

• Judicial review

• Fines, penalties, compensation

or damages for which You are

ordered to pay by a court or other

authority

• A contract dispute relating to Your

tenancy agreement

• A contract dispute relating to the

purchase of the Premises

• A contract dispute relating to a

dispute arising from any loan,

mortgage, pension, investment

or borrowing

• A contract dispute relating to

construction work, designing,

converting or extending Your

Premises where the contract value

exceeds £5,000 (including VAT)

Optional Cover

Section 7: Commercial Legal Expenses

Property Owners Insurance Policy – Key Facts

Page 9

Property Owners Insurance Policy – Key Facts

Cover Extensions included

as standard

Conditions Exclusions

Terrorism • Treasury issues certiﬁcate

certifying that any Damage was

caused by Terrorism

• Conditions or terms which provide

for adjustments of premium

based on declarations on expiry

of the period of insurance will not

apply to Terrorism insurance

• Any Long Term Agreement

applying to this Policy shall not

apply to Terrorism insurance

• Cover will not extend to include the

territorial seas adjacent to England,

Scotland and Wales as deﬁned by

the Territorial Sea Act 1987

• Riot or Civil Commotion,

War, Invasion, Act of Foreign

Enemy Hostilities (whether war

be declared or not), Civil War,

Rebellion, Revolution, Insurrection

or Military or Usurped Power

• Virus or Similar Mechanism or

Hacking or Phishing or Denial

of Service Attack (as well as any

Financial Loss associated)

• Any loss or consequential loss

from any Nuclear Installation or

Nuclear Reactor

• Damage to residential property

insured in the name of a private

individual from the radioactive,

toxic explosive or other hazardous

properties of any explosive

nuclear assembly or nuclear

component thereof, ionising

radiation or contamination

by radioactivity or from the

combustion of any radioactive

material, chemical and/or

biological and/or radiological

irritants contaminants or

pollutants

Optional Cover

Section 8: Terrorism

Page 10

Cover Extensions included

as standard

Clauses and Conditions Exclusions

• Equipment Breakdown

• The insurance by Sections 1 and

2 (if operative) of the Policy is

extended to include cover for

direct physical Damage caused to

Covered Equipment resulting from

an Accident – up to £5,000,000

any one Accident.

• Precautions You will exercise due

diligence in:

– complying with any statue or

order

– ensuring that insured items are

properly maintained and used in

accordance with manufacturer’s

recommendations and in taking

reasonable precautions to

prevent loss or damage

• Back Up Records

A hydrostatic, pneumatic, or gas

pressure test of any boiler or pressure

vessel; or an insulation breakdown test

of any type of electrical equipment:

• Any defect, virus, loss of data or

other situation within Media

• Depletion, deterioration, corrosion,

erosion, wear and tear, or other

gradually developing conditions

• Damage recoverable under a

maintenance agreement or any

warranty or guarantee

• Delay in resuming operations

resulting from the need to

reconstruct or re-input data or

programs on Media

Policy Extension

Extension 1: Equipment Breakdown

• Contamination by a Hazardous

Substance – up to £10,000 in any

one period of insurance

• Computer Equipment – up to

£250,000, EU up to £5,000

• Costs incurred in reinstating data

– up to £50,000 in any one period

of insurance

• Increased cost of working – up to

£50,000

• Rent receivable – up to £100,000

• Expediting Expenses – up to

£20,000 any one Accident

• Cost of hire charges for hiring a

substitute item during the period

of repair – up to £10,000 in any

one period of insurance

• Loss caused by an accident to

storage tanks or water tanks – up

to £10,000 any one Accident

• Damage to Own Surrounding

property resulting from

explosion of any steam boiler,

steam generator, economiser,

superheater, steam pipework or

steam vessel – up to £1,000,000

any one Accident

General Conditions

• Misrepresentation

• Reasonable Precautions

• Change of Risk or Interest

• Cancellation

• Instalments

• Choice of Law

• Contracts (Rights of Third

Parties) Act 1999

• Unoccupancy

• Interest Clause

• Fire Extinguishing Appliances

• Changes to your cover

• Automatic Renewal

Claims Conditions

• Action by You

• Our Rights

• Fraudulent Claims

• Conditions Precedent

• Subrogation

• Other Insurances

• Arbitration

• Excesses

General Exclusions

• War, Government Action and

Terrorism

• Sonic Bangs

• Radioactive Contamination

• Pollution or Contamination

• Date Recognition • Computer Virus and Hacking

Property Owners Insurance Policy – Key Facts

Page 11

Property Owners Insurance Policy – Key Facts

Further Information

24 hour business assistance services

Helpline services:–

• Eurolaw Commercial Legal and UK Tax Advice

Helpline on any business problem including

employment, VAT, contract disputes etc (supplied

by DAS Legal Expenses Insurance Company Limited

on our behalf)

• Business Emergency Assistance Helpline – rapid

response from reputable local contractors to deal with

any sort of emergency on your premises, including

burst pipes, drainage problems, gas, electricity failures

and serious roof damage (supplied by DAS Legal

Expenses Insurance Company Limited on our behalf)

You must pay any call-out or repair charges

• Health and Medical Assistance Helpline giving

assistance concerning nutrition, sports injuries,

giving up smoking, exercise, complimentary health

and changing doctors (supplied by DAS Legal

Expenses Insurance Company Limited on our behalf)

• Emergency Glazing and Security Assistance

Helpline – rapid call outs for any glazing or door

and window security problems (supplied by

Glassolutions on our behalf)

Your right to cancel

If this cover does not meet your requirements, please

return all your documents within 14 days of receipt.

We will return any premium paid in full provided that

no claims have been made on the policy during that

time. If you cancel your cover outside this period, we

will return any premium paid less an amount for the

period the policy has been in force. We will not make a

refund if there has been a claim under the Policy.

How to make a claim

To notify us of a claim in the ﬁrst instance please

telephone 0345 878 8195.

How to complain

Should there ever be an occasion where you need

to complain, please call us on our priority number

0800 169 8777. If your complaint relates to a claim

please contact your claims handler whose details will

be shown on your claims documentation.

If you wish to write, then please address your letter to:

• Claims complaints to the Technical Operations

Manager at the address shown in your claims

documents

• All other complaints to Churchill Business Insurance,

Customer Services, 37 Broad Street, Bristol BS1 2EQ

If we cannot resolve the differences between us, you

may refer your complaint to the Financial Ombudsman

Service (FOS). The address is: The Financial Ombudsman

Service, Exchange Tower, London E14 9SR

(Telephone number 0800 023 4567 or 0300 123 9123).

Details about our Regulator

U K Insurance Limited is authorised by the Prudential

Regulation Authority and regulated by the Financial

Conduct Authority and the Prudential Regulation

Authority under registration number 202810. The

Financial Conduct Authority website, which includes

a register of all regulated ﬁrms, can be visited at

www.fca.org.uk, or the Financial Conduct Authority

can be contacted on 0800 111 6768.

Details of Financial Services

Compensation Scheme

Under the Financial Services and Markets Act 2000,

should the company be unable to meet all its liabilities

to policyholders, compensation may be available.

Insurance advising and arranging is covered for 90%

of the claim without any upper limit. For compulsory

classes of insurance, insurance advising and arranging

is covered for 100% of the claim, without any upper

limit. Information can be obtained on request, or by

visiting the Financial Services Compensation Scheme

website www.fscs.org.uk

If you would like a Braille, large

print or audio version of your

documents, please let us know.

How to contact us

Information helpline 0345 878 8194

Claims helpline 0345 878 8195

Other products available from Churchill

Car: 0800 032 7158 Pet: 0800 032 9462

Home: 0800 015 1122 Travel: 0800 916 7170

Calls may be recorded

Churchill insurance policies are underwritten by U K Insurance Limited. Registered ofﬁce:

The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England and Wales No.1179980.

U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by

the Financial Conduct Authority and the Prudential Regulation Authority. Calls may be recorded.

CFB POKF 1215