Some key exclusions, limits and conditions applying to the Building section 1 of the policy.

Excess: All Sections. The first part of any claim that you have agreed to pay. This amount is usually £75 for Buildings and related sections unless shown otherwise. £1000 excess applies to Subsidence and Landslip claims. Storm Damage: Excludes storm damage to gates and fences.

This page provides a summary of the normal cover, available under Waltham Forest’s home policy underwritten by Great Lakes Re-insurance Ltd; it does not show the full terms, conditions and exclusions of the policy. Our policy book (available on request) provides full details of the usual form of cover, terms, conditions and exclusions.

CONTENTS COVER INFORMATION

COVER FOR LOSS OR DAMAGE CAUSED BY:
Theft, Fire, Smoke, Lightning, Explosion, Storm, Flood, Escape of Water, Malicious Damage, Vandalism, Collision

IN ADDITION COVER ALSO INCLUDES:

* Loss of freezer contents £500.
* Loss of cash £300 & credit cards £1000.
* Contents left in the open in the garden £1000.
* Replacement door locks if keys are lost £300.
* Accidental damage to your TVs, audio, and video.
* Accidental damage to personal home computers.
* Accidental damage to mirrors and fixed glass in furniture.
* Contents in outbuildings £3000.
* Loss of oil and metered water £750.
* Personal Legal Liability £2 million.
* Tenants Liability £5000.
* Contents temporarily removed £5000
(this includes cover for students living away from home during term time.)
* Cost of alternative accommodation £5000
* Fatal injury by fire or criminal violence in the home £5000.

INCLUDES SPECIAL COVER:
*FREE 10% increase in cover during December.
* Special Helpline services.
* £25,000 Legal Expenses cover.

EXTRA ACCIDENTAL DAMAGE
The Standard cover provides accidental damage to some items in your home. Cover may be extended further to provide: Extra accidental damage to all of your contents. Quotations are available on request.

PERSONAL EFFECTS and VALUABLES (Extra cover Home & World-wide)
Cover may be extended for individual items of personal effects and valuables such as jewellery, cameras, sports equipment etc, for loss or damage anywhere in the world.
*Unspecified Items: For items with an individual value not exceeding £1500
(minimum sum insured £1500).
*Specified Items: For items with an individual value over £1500
subject to a current written valuation.
Quotations are available on request.

Some key exclusions, limits and conditions applying to the Contents section 2 and Personal Effects section 3 of the policy.
Excess: The first part of any claim that you have agreed to pay. This amount is usually £50 for Contents and related sections..
Contents: Valuables, including jewellery, single item limited to £1500 unless specified.
Personal Effects and Valuables: Unspecified does not include pedal cycles over £250
or portable telephones, music players or computers.

This page provides a summary of the normal cover, available under Waltham Forest's home policy underwritten by Great Lakes Reinsurance Ltd, it does not show the full terms, conditions and exclusions of the policy.

Our policy book (available on request) provides full details of the usual form of cover, terms, conditions and exclusions.
Standard cover includes New for Old cover for your household goods, TV's, Audio, Video and Personal Belongings. Jewellery and Valuables up to one third of your sum insured with a single item limit of £1500. All kept within the home.