Policy Summary
Some important facts about your MMA Landlords insurance product are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to read the policy document to make sure You understand the cover it provides. A full specimen policy is available on request.
Cover is valid for 12 months and is renewable annually.
Claims Information
Should You be unfortunate enough to make a claim, MMA Property Care Line will manage all aspects of the claim for You from the time it is reported. They can be contacted using the following methods:
Dedicated telephone number – 08708 44 44 41 Dedicated fax number – 029 2037 2015 In writing to – Property Care Line, PO Box 471, Cardiff, CF10 3WJ
By dialling ONE number which is operated 24 HOURS A DAY 365 DAYS A WEEK by trained insurance specialists all aspects of household claims can be handled.
You can use MMA Property Care Line at anytime within the period of insurance to:
• Report a claim • Obtain emergency out of hours assistance and
other practical advice • Arrange the replacement of lost or stolen goods
by approved suppliers • Check on the progress of a claim • Obtain advice on any personal legal problem • Arrange a contractor to provide advice on
maintenance matters or other uninsured damage to your home. (You will be responsible for the payment of all charges associated with effecting any uninsured repairs)
How Claims Payments are Calculated
Buildings
Provided that the sum insured is adequate to cover the cost of completely rebuilding your property including all items mentioned on page 6, and the property is kept in a good state of repair, we will pay the cost of any necessary replacement or repair work.
Contents and Personal Possessions
Provided that the sums insured for contents are adequate to cover full replacement value as defined on page 7, we will pay the full replacement or repair cost.
Cancellation Rights
The policy may be cancelled:
a) by You giving written instruction to us at any stage of the duration of the contract
b) by Us:
a) Sending fourteen days written notice in the event of non payment of any monthly premium
b) Sending thirty days written notice in all other circumstances by recorded delivery letter to the last known address of the policyholder.
You will be able to cancel your policy within 14 days of either the inception or renewal date or, if later than this date, the date from which You receive the policy or renewal documents which includes the contractual terms and conditions. You will be entitled to a proportionate return of premium in respect of the unexpired portion of the current period of insurance less a service charge. This applies regardless of whether or not a claim has been made. The service charge will be applied only to the first year of insurance and will not be applied to successive years of insurance.
If the policy is cancelled after 14 days of either the inception or renewal date or, if later than this date, the date from which You receive the policy or renewal documents which includes the contractual terms and conditions, the policyholder will be entitled to a proportionate return of premium in respect of the unexpired portion of the current period of insurance less a service charge, provided a claim has not been made in the current period of insurance. The service charge will be applied only to the first year of insurance and will not be applied to successive years of insurance.
If the policy is cancelled after 14 days of either the inception or renewal date or, if later than this date, the date from which You receive the policy or renewal documents which includes the contractual terms and conditions, no return of premium will be given if You have made a claim within the current year of insurance unless otherwise stated.
MMA Landlords
Complaints Procedure
It is always our intention to provide a first class standard of service. However if you do have any cause for complaint please contact us:
• The Underwriting Manager or the Claims Manager at MMA Insurance plc, Norman Place, Reading, RG1 8DA
If you consider the matter still unresolved, the following options are open to you:-
1. Write to the Chief Executive at MMA Insurance plc.
2. Ask for your case to be reviewed by the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. There are a few instances where the FOS are not able to assist and you must have allowed MMA the opportunity to resolve your complaint before the FOS become involved.
Financial Services Compensation
Scheme
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to receive compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.
Law Applicable to Contract
You and the insurer are free to choose the law applicable to this contract but, in the absence of agreement to the contrary, English law will apply.
Exchange of Information
Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd (IDS Ltd). The aim is to help us to check information provided and also to prevent fraudulent claims. When we deal with your request for insurance, we may search the register. When you tell us about an incident, (such as a fire, water damage or theft) which may or may not give rise to a claim, we will pass information relating to it to the register.
You can ask us for more information about this.
You should show this notice to anyone who has an interest in property insured under the policy.
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MMA Landlords
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Summary of Cover
Buildings Insurance
Definition
Buildings including extensions, domestic outbuildings, private garages, walls gates, fences, paths, drives, terraces, patios, swimming pools and service tanks. Also included are fixtures and fittings belonging to You as landlord and fitted carpets, curtains and blinds.
What is covered:
• Fire, smoke, explosion, lightning and earthquake • Riot and civil disturbance • Malicious damage and theft • Storm and flood
• Escape of water or oil from fixed installations • Impact • Subsidence, heave and landslip • Frost Damage to Plumbing Installations
• Accidental breakage to fixed glass, sanitary ware and ceramic hobs
• Accidental damage to cables and service pipes
• Temporary Accommodation and Loss of Rent up to 20% of the sum insured
• Property Owners Liability up to £2 million • Architects, surveyors and other professional fees
- The additional cost of complying with Government or Local Authority requirements
- The additional cost of clearing debris, demolition, shoring or propping up the damaged structure.
What is not covered
Section B – Buildings
This is a summary only of the main exclusions and limitations. For full details refer to pages 4-8 and 15 of the policy wording.
• The first £1,000 of any subsidence, heave or landslip claim.
• The first £100 of each and every loss or damage claim for any other peril.
• Malicious damage or theft caused by persons lawfully in your property or while your property is unoccupied.
• Storm or flood damage to gates and fences. • Subsidence, heave or landslip damage resulting
from coastal river or watercourse erosion, faulty design, workmanship or use of defective materials, demolition, alteration or repair, normal settlement or shrinkage.
• Subsidence, heave or landslip damage to walls, gates, fences, paths, drives, terraces, patios, swimming pools, service tanks, tennis courts unless your property is damaged at the same time and by the same cause.
• Frost damage to plumbing installations or breakage of glass, sanitary ware and ceramic hobs while your property is unoccupied.
• Property owners liability arising from the occupation of the buildings, your profession, business or occupation other than in your capacity as owner of the property, the use of or possession of mechanically propelled vehicles other than gardening implements.
Loss or damage caused by • Wear, tear, pets, vermin, insects, wet or dry rot,
mechanical or electrical breakdown • Cleaning, repair or alteration • Your own deliberate act • Liability loss or damage caused by terrorism
using biological, chemical and/or nuclear force
MMA Landlords
Summary of Cover
Landlords Contents Insurance
Definition
The contents of the property belonging to You as landlord including furniture, furnishings, utensils and domestic appliances.
The contents do not include tenants contents.
What is covered:
• Fire, smoke, explosion, lightning and earthquake • Riot and civil disturbance • Malicious damage and theft • Storm and flood
• Escape of water or oil from fixed installations • Impact • Subsidence, heave and landslip • Legal liability up to £2 million
What is not covered
Section C – Contents
This is a summary only of the main exclusions and limitations. For full details refer to pages 9-11 and 15 of the policy wording.
• The first £1,000 of any subsidence, heave or landslip claim
• The first £100 of each and every loss or damage claim for any other peril
• Malicious damage or theft caused by persons lawfully in your property or while your property is unoccupied
• Storm or flood damage to gates and fences • Theft and malicious damage cover in excess of
£1,000 from outbuildings and garages
Legal liability arising from: • bodily injury to the insured • your profession, business or employment other
than as owner of the property • the use of aircraft, watercraft or hovercraft
other than models and hand propelled
watercraft • the use of animals (including dangerous dogs as
defined by the Dangerous Dogs Act 1991) other
than domestic pets • the use of caravans or trailers other than while
at your home • the use of crossbows, firearms other than air
guns and non-repeating shotguns • the use of landcraft and motor vehicles other
than pedal cycles • gardening implements and wheelchairs not
registered for road use.
Loss or damage caused by: • Wear, tear, pets, vermin, insects, wet or dry rot,
mechanical or electrical breakdown • Cleaning, repair or alteration • Your own deliberate act • Liability, loss or damage caused by terrorism
using biological, chemical and/or nuclear force
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MMA Landlords
8
About MMA Insurance
MMA Insurance plc is part of the MMA Group – a major European insurer established over 170 years ago. In 2003 group premium income was over £3 billion and gross worldwide assets were £17.5 billion.
MMA Insurance products are available through a national network of professional insurance brokers and intermediaries to ensure you receive local and expert service.
MMA Insurance is a member of the Association of British Insurers.
Authorised and regulated by the Financial Services Authority.
Some important facts about your MMA Landlords insurance product are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to read the policy document to make sure You understand the cover it provides. A full specimen policy is available on request.
Cover is valid for 12 months and is renewable annually.
Claims Information
Should You be unfortunate enough to make a claim, MMA Property Care Line will manage all aspects of the claim for You from the time it is reported. They can be contacted using the following methods:
Dedicated telephone number – 08708 44 44 41 Dedicated fax number – 029 2037 2015 In writing to – Property Care Line, PO Box 471, Cardiff, CF10 3WJ
By dialling ONE number which is operated 24 HOURS A DAY 365 DAYS A WEEK by trained insurance specialists all aspects of household claims can be handled.
You can use MMA Property Care Line at anytime within the period of insurance to:
• Report a claim • Obtain emergency out of hours assistance and
other practical advice • Arrange the replacement of lost or stolen goods
by approved suppliers • Check on the progress of a claim • Obtain advice on any personal legal problem • Arrange a contractor to provide advice on
maintenance matters or other uninsured damage to your home. (You will be responsible for the payment of all charges associated with effecting any uninsured repairs)
How Claims Payments are Calculated
Buildings
Provided that the sum insured is adequate to cover the cost of completely rebuilding your property including all items mentioned on page 6, and the property is kept in a good state of repair, we will pay the cost of any necessary replacement or repair work.
Contents and Personal Possessions
Provided that the sums insured for contents are adequate to cover full replacement value as defined on page 7, we will pay the full replacement or repair cost.
Cancellation Rights
The policy may be cancelled:
a) by You giving written instruction to us at any stage of the duration of the contract
b) by Us:
a) Sending fourteen days written notice in the event of non payment of any monthly premium
b) Sending thirty days written notice in all other circumstances by recorded delivery letter to the last known address of the policyholder.
You will be able to cancel your policy within 14 days of either the inception or renewal date or, if later than this date, the date from which You receive the policy or renewal documents which includes the contractual terms and conditions. You will be entitled to a proportionate return of premium in respect of the unexpired portion of the current period of insurance less a service charge. This applies regardless of whether or not a claim has been made. The service charge will be applied only to the first year of insurance and will not be applied to successive years of insurance.
If the policy is cancelled after 14 days of either the inception or renewal date or, if later than this date, the date from which You receive the policy or renewal documents which includes the contractual terms and conditions, the policyholder will be entitled to a proportionate return of premium in respect of the unexpired portion of the current period of insurance less a service charge, provided a claim has not been made in the current period of insurance. The service charge will be applied only to the first year of insurance and will not be applied to successive years of insurance.
If the policy is cancelled after 14 days of either the inception or renewal date or, if later than this date, the date from which You receive the policy or renewal documents which includes the contractual terms and conditions, no return of premium will be given if You have made a claim within the current year of insurance unless otherwise stated.
MMA Landlords
Complaints Procedure
It is always our intention to provide a first class standard of service. However if you do have any cause for complaint please contact us:
• The Underwriting Manager or the Claims Manager at MMA Insurance plc, Norman Place, Reading, RG1 8DA
If you consider the matter still unresolved, the following options are open to you:-
1. Write to the Chief Executive at MMA Insurance plc.
2. Ask for your case to be reviewed by the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. There are a few instances where the FOS are not able to assist and you must have allowed MMA the opportunity to resolve your complaint before the FOS become involved.
Financial Services Compensation
Scheme
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to receive compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.
Law Applicable to Contract
You and the insurer are free to choose the law applicable to this contract but, in the absence of agreement to the contrary, English law will apply.
Exchange of Information
Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd (IDS Ltd). The aim is to help us to check information provided and also to prevent fraudulent claims. When we deal with your request for insurance, we may search the register. When you tell us about an incident, (such as a fire, water damage or theft) which may or may not give rise to a claim, we will pass information relating to it to the register.
You can ask us for more information about this.
You should show this notice to anyone who has an interest in property insured under the policy.
5
MMA Landlords
6
Summary of Cover
Buildings Insurance
Definition
Buildings including extensions, domestic outbuildings, private garages, walls gates, fences, paths, drives, terraces, patios, swimming pools and service tanks. Also included are fixtures and fittings belonging to You as landlord and fitted carpets, curtains and blinds.
What is covered:
• Fire, smoke, explosion, lightning and earthquake • Riot and civil disturbance • Malicious damage and theft • Storm and flood
• Escape of water or oil from fixed installations • Impact • Subsidence, heave and landslip • Frost Damage to Plumbing Installations
• Accidental breakage to fixed glass, sanitary ware and ceramic hobs
• Accidental damage to cables and service pipes
• Temporary Accommodation and Loss of Rent up to 20% of the sum insured
• Property Owners Liability up to £2 million • Architects, surveyors and other professional fees
- The additional cost of complying with Government or Local Authority requirements
- The additional cost of clearing debris, demolition, shoring or propping up the damaged structure.
What is not covered
Section B – Buildings
This is a summary only of the main exclusions and limitations. For full details refer to pages 4-8 and 15 of the policy wording.
• The first £1,000 of any subsidence, heave or landslip claim.
• The first £100 of each and every loss or damage claim for any other peril.
• Malicious damage or theft caused by persons lawfully in your property or while your property is unoccupied.
• Storm or flood damage to gates and fences. • Subsidence, heave or landslip damage resulting
from coastal river or watercourse erosion, faulty design, workmanship or use of defective materials, demolition, alteration or repair, normal settlement or shrinkage.
• Subsidence, heave or landslip damage to walls, gates, fences, paths, drives, terraces, patios, swimming pools, service tanks, tennis courts unless your property is damaged at the same time and by the same cause.
• Frost damage to plumbing installations or breakage of glass, sanitary ware and ceramic hobs while your property is unoccupied.
• Property owners liability arising from the occupation of the buildings, your profession, business or occupation other than in your capacity as owner of the property, the use of or possession of mechanically propelled vehicles other than gardening implements.
Loss or damage caused by • Wear, tear, pets, vermin, insects, wet or dry rot,
mechanical or electrical breakdown • Cleaning, repair or alteration • Your own deliberate act • Liability loss or damage caused by terrorism
using biological, chemical and/or nuclear force
MMA Landlords
Summary of Cover
Landlords Contents Insurance
Definition
The contents of the property belonging to You as landlord including furniture, furnishings, utensils and domestic appliances.
The contents do not include tenants contents.
What is covered:
• Fire, smoke, explosion, lightning and earthquake • Riot and civil disturbance • Malicious damage and theft • Storm and flood
• Escape of water or oil from fixed installations • Impact • Subsidence, heave and landslip • Legal liability up to £2 million
What is not covered
Section C – Contents
This is a summary only of the main exclusions and limitations. For full details refer to pages 9-11 and 15 of the policy wording.
• The first £1,000 of any subsidence, heave or landslip claim
• The first £100 of each and every loss or damage claim for any other peril
• Malicious damage or theft caused by persons lawfully in your property or while your property is unoccupied
• Storm or flood damage to gates and fences • Theft and malicious damage cover in excess of
£1,000 from outbuildings and garages
Legal liability arising from: • bodily injury to the insured • your profession, business or employment other
than as owner of the property • the use of aircraft, watercraft or hovercraft
other than models and hand propelled
watercraft • the use of animals (including dangerous dogs as
defined by the Dangerous Dogs Act 1991) other
than domestic pets • the use of caravans or trailers other than while
at your home • the use of crossbows, firearms other than air
guns and non-repeating shotguns • the use of landcraft and motor vehicles other
than pedal cycles • gardening implements and wheelchairs not
registered for road use.
Loss or damage caused by: • Wear, tear, pets, vermin, insects, wet or dry rot,
mechanical or electrical breakdown • Cleaning, repair or alteration • Your own deliberate act • Liability, loss or damage caused by terrorism
using biological, chemical and/or nuclear force
7
MMA Landlords
8
About MMA Insurance
MMA Insurance plc is part of the MMA Group – a major European insurer established over 170 years ago. In 2003 group premium income was over £3 billion and gross worldwide assets were £17.5 billion.
MMA Insurance products are available through a national network of professional insurance brokers and intermediaries to ensure you receive local and expert service.
MMA Insurance is a member of the Association of British Insurers.
Authorised and regulated by the Financial Services Authority.
Policies vary; ensure this document is the correct version for your policy. Whilst we will make every attempt to keep this key fact document up to date, please check directly with the broker or insurance company for the most up to date version.