This is a summary and does not contain the full terms and conditions of the cover, which can be found in the policy booklet. It is important that you read the policy booklet and schedule carefully when you receive them. One policy booklet covers all sections of this policy.
Name of the insurance undertaking
The Insurer of all sections of this policy is Norwich Union Insurance Limited. Registered Address: 8 Surrey Street, Norwich, NR1 3NG.
Norwich Union Insurance Limited is authorised and regulated by the Financial Services Authority.
Type of Insurance and Cover
The Insurance4HolidayHomes Insurance policy provides cover for buildings and/or contents. Sections are provided for Buildings, Contents, Valuables and Personal Effects (optional).
Note: In certain circumstances the cover provided may be different to our standard conditions.

Significant Features and Benefits
Cover is provided for an extensive list of perils - see policy booklet.
In addition cover is provided for:
- alternative accommodation or loss of hiring charges following an insured loss
- accidental damage
- damage caused by emergency access
- costs of tracing and accessing leaks (up to £1,000)
- the buyer when you are selling your home
- your legal liability as owner of your home.
Significant and unusual exclusions or limitations
- No cover for earthquake in Greece or Italy
- For properties in Portugal a Policy Excess of 2.5% of the Buildings Sum Insured applies in respect of Earthquake claims.
- Damage by wet or dry rot
- Certain losses or damage when your home is unoccupied or unfurnished for more than 30 days in a row
- Theft or malicious damage caused by persons lawfully in the home
- Liability as occupier of your home but this can be insured under the Contents Section

- Damage due to a fault or limit of design, manufacture or installation. In particular there is no cover for damage to underground services that do not work because they are worn out.
- The cost of replacing any undamaged items, which form part of a set, suite or item of a uniform
nature
- Loss or damage to your buildings from any cause not listed in the policy booklet.

Significant Features and Benefits
Cover is provided for an extensive list of perils - see policy booklet.
In addition cover is provided for
- accidental damage
- contents temporarily removed from the home
- contents in outbuildings (limited to £2,500 for theft)
- garden ornaments and furniture (up to £750)
- replacement locks if keys are lost or stolen (up to £250)
- spoilage of food in freezers (up to £500)
- loss of domestic fuel and metered water (up to £750)
- pedal cycles (up to £250)
- personal effects (£500) and personal money (£100) away from the home

- your liability as occupier, employer, tenant and in a personal capacity

see Contents Section of policy booklet for details.

- No cover is provided for boats, boards or water craft of any kind
- No cover is provided for items used for business or professional purposes
- Certain losses or damage when your home is unoccupied for more than 30 days in a row (please see Unoccupancy endorsement HH914 detailed in this summary).
- Theft or malicious damage caused by persons lawfully in the home
- Theft whilst the home is lent or let unless involving forcible and violent entry to or exit from the home
- The cost of replacing any undamaged items, which form part of a set, suite or item of a uniform
nature
- Theft of pedal cycles unless in a building or securely locked to an immovable object.
- Theft of contents temporarily removed from the home, unless by somebody using force and
violence to break into a building
- Loss or damage to your contents from any cause not listed in the policy booklet.
Duration of Policy
The policy will remain in force for 12 months from the date of commencement, or as otherwise shown in your policy schedule.
Cancellation rights
You have the right to cancel your policy during a period of 14 days from the day of purchase of the contract or the day on which you receive your policy documentation, whichever is the later. A full explanation of your cancellation rights can be found in your policy booklet.
How to Claim
For claims please call Towergate Underwriting Holiday Homes on 01708 777720
Complaints
We hope that you will be very happy with the service we provide. However, if for any reason you are unhappy with this, we would like to hear from you.
Please refer to your policy booklet for details on the complaint procedure.
Norwich Union is a member of the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may then be entitled to refer it to this independent body.
Financial Services Compensation Scheme
Norwich Union is a member of the Financial Services Compensation Scheme (FSCS). If we are unable to meet our obligations you may be entitled to compensation from the scheme, depending on the type of insurance and circumstances of the claim.

Towergate Underwriting and Towergate Underwriting Holiday Homes are trading names of Towergate Underwriting Group Ltd. Registered address: Towergate House, 2 County Gate, Staceys Street, Maidstone, Kent, ME14 1ST. Registered in England no.4043759. Authorised and regulated by the Financial Services Authority.
Underwritten by:
Norwich Union Insurance Limited Registered in England No. 99122 Registered Office 8 Surrey Street
Norwich NR1 3NG. Authorised and regulated by the Financial Services Authority.
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