Accidental Damage

Damage caused suddenly by external means which is not expected and not deliberate. Accidental damage cover for your Contents and Buildings is only provided when selected as additional cover.

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Buildings Sum Insured

The buildings sum insured must represent the full cost of rebuilding including allowance for demolition costs and architects' and surveyors' fees. Important Notice: It is not possible for us to give an acurate guide to rebuilding values as there is a wide difference throughout Europe, as the style of property, building materials and area all contribute to the cost per square metre. Make enquiries locally as failure to insure at the correct level could reduce the amount paid in the event of a claim.

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Excess

The amount to be deducted from your claim for loss or damage resulting from the same incident and insured under any or all sections of the policy. A standard excess of £100 (to reduce your premium, you have the option to increase this standard excess by certain amounts) is applicable to all claims except for subsidence claims where the excess is £1,000. Other excesses may apply and are explained in your policy schedule and/or policy wording. If these other excesses are greater than the standard excesses, then the standard excesses of £100 (or the higher amount that you have chosen) and £1,000 will not apply.

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