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Important - you should read this |
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Zurich Connect Home Insurance is underwritten by Zurich Insurance Ireland Limited. This web page provides a summary of the significant features, benefits and exclusions of the cover provided by the Zurich Connect Home policy. The full terms, conditions are shown in the policy document. By clicking here you can download the policy document in PDF format.
English law will apply to the legal protection section. The rest of the contract is governed by the law that applies to where you reside within the United Kingdom, Channel Islands or Isle of Man. If there is any dispute as to which law applies, it will be English law. Unless agreed otherwise, we will communicate to you in English.
What cover do I have?
The cover you select will be shown in your Statement of Facts when you purchase your policy.
How long is it for?
Your policy will normally run for 12 months unless you or we choose to cancel.
What cover is available?
The Home policy provides the following cover options:
Buildings – the structure of your home
Garden cover – the plants, trees, lawns and garden ornaments in your garden
Contents – the contents of your home plus other related cover
Personal possessions – the personal items you take away from the home
Legal protection – the cost of specified personal legal actions.
To find out more about the following click on the links below:
What is not insured?
How do I make a claim?
Details of the key features of each cover you may select are listed below.
The page numbers shown in brackets beside each section of cover are the page numbers in the policy document.
These are insured against the following major events: fire, explosion, lightning, earthquake, riot, malicious damage, collision by vehicles, aircraft or animals, storm, flood, theft or attempted theft, subsidence, landslip or ground heave, escape of water from any fixed appliance, pipe or tank, falling trees, accidental breakage of glass and sanitary ware.
This covers the structure of your home and any permanent fixtures and fittings such as kitchen units and bathroom suites. It also includes cover for garages and other domestic outbuildings, walls, gates and fences as well as drives, paths, patios and terraces at the home.
This covers household goods, personal property, valuables, pedal cycles and office equipment in your home and while temporarily removed plus extra cover shown in the table. Valuables are articles of gold, silver or other precious metal, jewellery, watches, furs, pictures or other works of art, collections of stamps or coins.
Contents do not include vehicles and craft, deeds and documents (including those showing ownership of financial investments), animals, specifically insured items or any part of the buildings. Vehicles and craft are electrically- or mechanically-powered vehicles, caravans, trailers, watercraft including surfboards, hovercraft, aircraft, all-terrain vehicles or quad bikes (but not domestic gardening equipment, battery-operated golf trolleys or wheelchairs, battery- or pedestrian-operated models or toys).
| Sum insured |
£50,000 |
| Accidental damage |
If selected by you |
| Valuables limit |
£15,000 |
| Valuables single article limit |
£2,500 |
| Money and credit and debit cards in the home |
£500 |
| Office equipment |
£10,000 |
| Loss of oil or metered water |
£1,000 |
| Visitors' or employees' contents |
£250 |
| Theft of contents from garages and outbuildings |
£5,000 |
| Legal liability to domestic employees |
£10,000,000 |
| Occupier's and personal legal liabilities |
£2,000,000 |
| Contents in the open |
£1,000 |
| Temporary removal |
£5,000 |
| Removal to your new home |
No inner limit |
| Alternative accommodation |
£10,000 |
| Lock replacement |
£1,000 |
| Food in freezer or refrigerator |
£1,000 |
Other optional covers you may have selected are shown in the tables below and can be found in your Statement of Facts.
| Covers flowerbeds, trees and other plants, lawns and garden statues against specific events such as storm, theft or malicious damage |
£1,500 |
These are unspecified personal items made to be worn, used or carried about the person including sports equipment and pedal cycles.
| Covers accidental loss or damage anywhere in the world |
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| Unspecified personal possessions |
The sum insured selected by you |
| Single article limit |
£1,500 |
| Money and credit and debit cards |
£500 |
| Unspecified pedal cycles including accessories |
£500 any one cycle |
| Costs and expenses of a legal action resulting from contract disputes, employment disputes, bodily injury, property disputes, tax investigations and defence of motoring prosecutions |
Up to £50,000 for costs and expenses |
| Cover for an insured person's employment disputes |
Up to £50,000 for costs and expenses |
The legal protection cover is underwritten and administered by DAS Legal Expenses Insurance Company Limited (“DAS”).
The main exclusions are:
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legal costs DAS have not agreed to
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contract disputes relating to business activities, tenancy or lease agreements
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contract disputes relating to building work or design, where the contract value exceeds £5,000
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claims where you do not have a reasonable chance of succeeding
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claims you report more than 180 days after the event happened.
This is a summary of the key exclusions or restrictions and where you will find them in the policy. The page numbers shown in brackets are the page numbers in the policy document.
Excess
An excess applies to most claims under all sections (except legal protection).
The excess you have chosen is shown in your Statement of Facts.
Under legal protection section, a £250 excess applies to any claim for legal nuisance or trespass. This is payable as soon as the claim is accepted.
Subsidence, landslip or ground heave
A £1,000 excess applies to claims under the Buildings section.
There are a number of exclusions and the main ones are:
- if caused by the coast or a river bank being worn away
- unless the main structure, garages or outbuildings are also damaged
- to floor slabs unless load-bearing walls are also damaged
- from settlement, shrinkage or expansion, demolition, faulty workmanship or faulty design.
Storm and hail
Does not cover loss or damage to fences, gates, hedges or railings.
Flood
Does not cover loss or damage to fences, gates, hedges or railings or damage caused due to a change in the water table level.
Malicious damage
Does not cover damage by you, your family or other people living in the home.
Excluded loss or damage
There are a number of exclusions and the main ones are loss or damage resulting from:
- wear and tear or other gradually operating causes including mildew and rot
- vermin, insects or fouling or scratching by pets
- any process of alteration, cleaning or repair
- mechanical or electrical breakdown.
Let, lent or sublet
Loss or damage by tenants is not covered. Loss or damage by theft is not covered unless violence or force is used.
Vehicles and craft
Contents and personal possessions cover
does not include:
- road and other motorised vehicles (except garden equipment and toys)
- aircraft and watercraft (except models and toys)
- liability arising from these.
Unoccupied
If the home is unoccupied for more than 60 days cover will exclude malicious damage, theft, leaking oil or water, breakage of glass and accidental damage (if insured).
Pedal cycles
Cover does not apply when pedal cycles are left unattended unless securely locked to a structure or in a locked building.
Theft from unattended road vehicles
Theft cover does not apply unless the property is hidden in a glove or luggage compartment and the vehicle is securely locked.
Terrorism
Any liability, loss or damage caused in any way by biological, chemical and nuclear terrorism.
General
There are a number of general exclusions that apply to household policies issued by all insurers.
You may report a claim by completing our online claim form by logging into My Connect or call us on 0800 345 7595. Lines are open 24 hours a day throughout the year.
When you contact us about a claim you will need to tell us:
- your name and address
- the place where the loss or damage occurred
- what caused the loss or damage.
Legal protection
You must give DAS details of any claim as soon as possible. You can telephone DAS on 0800 434 6497. DAS will be able to take details of your claim but they will not be able to confirm cover. DAS will pass the information you have given them to their specialist claims handling team, and explain what to do next. Lines are open 24 hours a day, 365 days a year. Calls may be recorded.
Alternatively you can email:
newclaims@das.co.uk, or write to
Claims Department, DAS Legal Expenses Insurance Company, DAS House, Quay
Side, Temple Back, Bristol BS1 6NH.
How do I make a complaint?
If you have a complaint about your policy, please email us at service@zurichconnect.co.uk or call us on 0845 603 4592.
If you have a complaint about a claim, please email us at:
zurich.connect.claims@uk.zurich.com ;or call us on
0800 345 7595.
If you prefer, you can write to us at:
PO BOX 16
Cardiff
CF10 5YF
If you have cause for complaint under the legal protection section you should contact:
DAS Legal Expenses Insurance Company,
DAS House
Quay Side, Temple Back
Bristol BS1 6NH.
or you can call on 0800 434 6497.
If your complaint has not been resolved to your satisfaction you may refer your complaint to the Financial Ombudsman Service (FOS). The FOS contact details are as follows:
Financial Ombudsman Service,
South Quay Plaza,
183 Marsh Wall,
London, E14 9SR.
You can telephone on: 0845 080 1800
Or e-mail: enquiries@financial ombudsman.org.uk
This is a free and impartial service and will
not affect your legal rights. You are entitled to contact the FOS at any stage of your complaint.
Can I receive compensation if Zurich Insurance Ireland Limited or DAS Legal Expenses Insurance Company Limited cannot meet its obligations to me?
Zurich Insurance Ireland Limited and DAS are both covered by the Financial Services Compensation Scheme (FSCS) which means that you may be entitled to compensation if either of us are unable to meet our obligations to you. This insurance is protected in full for the first £2,000 and then 90% of the remainder of the claim. Further information is available at www.fscs.org.uk or by contacting the FSCS directly on 020 7892 7300.
If I take out cover but then change my mind can I get my premium refunded?
If you decide that you do not want to accept the policy (or any future renewal of the policy by us) tell us of your decision, in writing or by phone using the contact details provided on the covering letter within 14 days of receiving the policy (or for renewal, within 14 days of your policy renewal date). If no claims have been made we will refund the premium you have paid. If a claim is made we charge you for the days we have been on cover (applying a minimum premium of £15 plus insurance premium tax) and then refund the remainder of the premium you have paid.
Can I cancel the policy at any other time?
You may cancel the policy at any time by telling us, either in writing or over the phone. We may cancel your policy by giving you 7 days written notice to your last known address. We will give you a refund in proportion to the time left until your current period of insurance is due to run out less an administration fee of £15.
Downloads
The information provided in this page is contained in the summary of cover that can be downloaded in PDF format by clicking on the link below. The file will also contain the policy wording, including full terms, conditions and exclusions.
Zurich Connect Home Policy (166 KB - PDF)
You will require Adobe Acrobat Reader to view the download
file(s).
