Summary of Cover

• Damage to property insured against Fire and additional perils of Lightning, Explosion, Aircraft, Smoke, Earthquake, Subterranean Fire, Spontaneous Fermentation, Theft, Riot & Commotion, Malicious Persons, Storm or Flood, Escape of Oil or Water, Impact by Vehicles or Animals, Breakage or Collapse of Communication Aerials, Subsidence and Accidental Damage.
• Contents of common parts including: furniture, carpets, curtains, equipment and tenants’ improvements up to a limit of £25,000 – can be increased
• Contract Works
• Damage caused by Falling Trees
• Accidental Damage to Underground Pipes or Cables plus up to £5,000 for loss of Metered Water
• Current re-building cost enhanced by 33.33% to cover post-loss inflation
• Capital Additions, up to 10% for extensions/alterations
• Trace and Access costs for locating the source of damage caused by escaping water
• Damage to Landscaped Gardens by Emergency Services
• Loss of Rent or Alternative Accommodation (including pets), 33.33% of Building Sum Insured
• Glass Breakage
• Employers’ Liability – Indemnity Limit £10,000,000
• Public Liability – Indemnity Limit £10,000,000
• Cover for Unoccupied Flats – subject to reasonable precautions
• Helpline for Claims Assistance/Emergencies
• Legal Expenses

This is a Summary of the cover and is subject to normal acceptance criteria and the conditions and exclusions of the Insurers’ Policy. A full policy wording is available on request.

Lansdown Insurance Brokers in partnership with Allianz, Ecclesiastical, Covea, and RSA.