Home insurance glossary
|Buildings||The main building and any other permanent structure within the boundary of your home including the following: fixtures and fittings (including landlord's fixtures and fittings), sheds, greenhouses, permanent swimming pools built of brick, stone or concrete, hard tennis courts, patios, terraces, service tanks, drains, septic tanks, pipes and cables, central heating fuel storage tanks, drives, paths, garden walls, hedges, gates, fences, permanently fixed hot tubs or Jacuzzis, garages.|
|Business equipment||Computers, keyboards, visual display units, printers, word-processing equipment, desktop publishing units, fax machines, photocopiers, typewriters, computer-aided design equipment, telecommunication equipment (but not mobile phones or personal digital assistants) and office furniture, you or your family own.|
|Contents||Household goods, valuables, business equipment, money, credit cards, personal possessions in the home, aerials and satellite dishes you, your family or visitors own or are legally responsible for including: domestic garden machinery that does not have to be licensed, wheelchairs, registered disabled person's buggies that are not licensed for road use, electrically or mechanically propelled toys and models that are not licensed for road use, golf trolleys which are controlled by someone on foot
motorised vehicles (apart from those already mentioned), aircraft including gliders, hang-gliders and microlights, caravans, trailers, water craft and hovercraft, parts and accessories in or attached to caravans, trailers, boats or motor vehicles, any living creature, permanently fitted interior decorations, property held or used for any profession, business or employment other than business equipment.
|Credit Cards||Credit cards, cheque cards, charge cards, debit cards, cash cards and store cards, but not cards held for business purposes.|
|Endorsement||An agreed change in the terms of the policy.|
|Excess||The amount you must pay towards any claim.|
|Your Family||Your husband, wife, civil partner, children, foster children and any other person who permanently lives with you, but not lodgers or any other paying guests.|
|Home||The property at the address stated in the schedule, used by you for domestic and home working purposes only.|
|Money||Cash, cheques, money orders, postal orders, unused current postage stamps (that are not part of a collection), National Savings Stamps, National Savings certificates, share certificates, premium bonds, luncheon vouchers, traveller's cheques, travel tickets, season tickets, phone cards, gift tokens and other tokens with a cash value, but not items used for business purposes.|
|Period of Insurance||The length of time that the contract of insurance applies for. This is shown in the schedule.|
|Personal Possessions||Items normally worn, used or carried by you or your family in daily life, but not money, credit cards, mobile phones, pedal cycles or items held or used for business purposes.|
|Sports Equipment||Articles used for sports activities including sports clothing specifically designed to be used for any sports activity and belonging to you or any member of your family.
Items which are not included.
This does not include:
- any vehicle, watercraft (including windsurfers and surfboards), aircraft (including hang-gliders, powered or otherwise), or their accessories; or
- items held or used for any profession, business or employment.
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