Essential Information/Statement of Facts

Brick, Stone & Timber Built Barn Conversions

Please make certain that the information you have provided is correct and that you can agree with all the statements on this page. If you should choose to purchase this insurance the details provided will form the basis of the insurance contract between us. Inaccurate information may invalidate all or part of the policy. Insurance cover is subject to the applicable policy wording.

Your Home

#   Is your main residence and is permanently occupied exclusively by you and your family.

#   Is in a good state of repair and will be so maintained.

#   Is built of Brick, Stone or Timber and the roof is covered with Slate or Tile.

#   Is not left unoccupied for more than 30 consecutive days.

#   Is not at present undergoing any structural alterations or conversion.

#   Has not been damaged by flood and is not situated in an area that is liable to flooding.

#   Has not been affected by subsidence or any structural movement and is not located in an 

     area that is subject to subsidence.

#   Is not used for any business purposes other than computer work, paperwork and telephone 

     calls.

#   You can confirm that all ground floor and other accessible windows are fitted with key 

     operated locks and all external doors are fitted with a 5 lever mortise deadlock conforming to

     British Standard 3621, in addition to a central locking device patio doors must have key

     operated bolts to the top and bottom opening sections, you also agree that if your contents

     sum insured which includes A to E exceeds £150,000 in total a NACOSS alarm must be fitted. 

#   You can confirm that Planning consent was granted for conversion of the property to a

     Residential Barn by the local Council/Planning Department. 

#   You can confirm that you have a current NICEIC Electrical Certificate if your property was

     converted over 25 years ago.                

Items in the Home

With regard to cover of items in the home, please note the following are considered as high risk items: televisions, dvd/video equipment, audio and computer equipment, jewellery, pictures and other works of art, objects made of precious metal, watches, clocks, stamp, coin and metal collections photographic equipment including camcorders/video cameras, furs and antiques but not including antique furniture.

There is no set maximum value on the above listed high risk items situated within the home with the exception of the following;  

Items made of precious metal or furs, where the total value of such items within the private dwelling shall not exceed £5,000 or 20% of the declared home contents sum assured whichever is the lesser.

If a higher limit is required, this can be arranged subject to an extra premium being paid.

You and any Adult living with you

#   Has never had home insurance refused, cancelled or declared null and void.

#   Has never had special terms imposed to buildings or contents insurance.

#   Has not suffered more than two incidents of loss, damage or liability, whether insured or 

     not within the last three years.

#   Has never been convicted or have any prosecution pending for any criminal offence (other

     than parking or speeding offences).

Accidental Damage Cover for Buildings and Home Contents

#  This insurance policy includes Accidental Damage cover for Buildings as standard, 

     Accidental Damage for Home Contents is included where selected.

Family Legal Costs and Identity Fraud Protection Insurance

#   This insurance policy includes Family Legal Costs and Identity Fraud Protection where 

      selected.