General Household Terms & Conditions

The property is:-

• in an area free from Flooding, and is not within 100 metres of any property or development, which has flooded
• in an area free from subsidence and is not within 200 metres of any property or Development, which has been subject to Subsidence
• in an area free from heave, landslip, coastal or river erosion
• maintained in a good state of repair
• not under Construction, Renovation, Redecoration or Extension
• occupied solely by you and your family as your principal residence, for residential purposes only, and not used for business purposes
• not used to store commercial goods or used as the place of employment for any employee of your company or firm
• not left unoccupied for more than 30 consecutive days at any one time
• not regularly unoccupied at night

You, nor any member of your household has:-

• not suffered any loss during the last 6 years from any of the events you wish to insure whether insured or not (other than disclosed on the quotation)
• ever had a proposal for insurance declined, renewal refused, cover terminated or special terms or conditions imposed by any insurer
• ever been convicted of, or have any prosecution pending for any criminal offence (other than minor driving offences)