Legal & General's Household Summary of Cover August 2004

This is only a summary of the cover provided. Full details are given in the policy documents, which is available on request.

Aim of Contract

This policy is designed to offer protection for your home and its contents as described in this Summary of Cover.

Insurance Company

Legal & General Insurance Limited.

The Legal & General Group was established in 1836 and is one of the best known and respected financial services companies in the UK.

The Legal & General Group is one of the UK's top 50 FTSE quoted companies.

Legal & General are authorised and regulated by the Financial Services Authority for Insurance business. They are entered on their register number 202050. You can check this at www.fsa.gov.uk/register or telephone them on 0845 606 1234.

Legal & General Insurance Ltd. Registered Office: Temple Court, 11 Queen Victoria Street, London EC4N 4TP.

Claims contact telephone numbers

Contact Legal & General Insurance Limited offices as follows

policy number prefix BE - Belfast - 02890 264800
policy number prefix FA - Farnham - 0870 050 0693
policy number prefix GL - Glasgow - 0141 419 4530
policy number prefix IP - Ipswich - 0845 270 0088
policy number prefix MA - Manchester - 0870 050 0952

Complaints

Please contact your insurance intermediary or alternatively:

If you are based in Northern Ireland, please contact The Manager, Legal & General Insurance Limited, 4th Floor, Cleaver House, Donegal Square North, Belfast BT1 5DP

If you are based in Scotland, please contact The Manager, Legal & General Insurance Limited, Unit 8000, Academy Park, Gower Street, Glasgow G51 1BZ

If you are based in England, please contact The Manager, Legal & General Insurance Limited, 2 Frairs Bridge Road, Ipswich IP1 1QA.

If you remain dissatisfied, you can complain to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Making a complaint will not affect your legal rights.

Compensation

You may be entitled to compensation if we cannot meet our obligations due to insolvency. The Financial Services Compensation Scheme may arrange to transfer your policy to another insurer, provide a new policy or, if this is not possible, provide compensation. Under this policy the first £2,000 of any claim would be met in full. Above this amount, 90% of the remainder will be met. You can get more information from the Financial Services Compensation Scheme at 7th floor Lloyds Chambers, Portsoken Street, London E1 8BN or call them on: 020 7892 7300.

Duration of Contract

This is an annually renewable contract.

Law Governing the Contract

English law governs this contract. We will communicate in English throughout the course of this contract.

If you Change your Mind

If you decide that you do not want this policy, we will refund any premium already paid for the un expired period of cover, provided that you notify us no later than 14 days after the start date of your cover, or after you receive your policy, whichever is later.

Monthly Payment Plan

You can pay your premium under our Monthly Payment Plan (6% service charge 13.7% APR). You will be protected by the Direct Debit Guarantee.

Buildings

BASIC POLICY - BUILDINGS (see section 1 of the policy for full details)

Rainbow buildings cover insures your home on a 'new for old' basis against loss or damage from many causes such as:

• fire, smoke, explosion
• lightning, earthquake
• storm, flood (excluding damage to fences and gates)
• theft, malicious acts or vandalism
• falling trees
• escape of water
• subsidence, heave or landslip

Automatically Included:

• ARCHITECTS & SURVEYORS FEES
• ACCIDENTAL BREAKAGE OF FIXED GLASS & SANITARYWARE
• PROPERTY OWNERS LIABILITY
  up to £2,000,000
• INFLATION PROTECTION
• ALTERNATIVE ACCOMMODATION
  up to 20% of the sum insured
• ACCIDENTAL DAMAGE TO UNDERGROUND PIPES AND CABLES
• HELPLINES
  Included for legal advice and domestic emergencies

What is not Covered:

As with all insurance policies, there are certain things that the insurance does not cover such as:

• EXCESSES
  The first £50 of each claim (other than subsidence, heave or landslip).
  The first £1,000 of each claim for subsidence, heave or landslip.
• HOMES UNOCCUPIED OVER 40 DAYS
  There is no cover for malicious acts, vandalism, theft, escape of water or leakage of oil, broken glass or sanitaryware, if your home has been unoccupied for over 40 consecutive days when the damage occurs.
• FENCES AND GATES
  There is no cover for storm or flood damage to fences and gates.

Optional Extra

ACCIDENTAL DAMAGE TO BUILDINGS
Available at an extra premium.

Contents

CHOICE OF COVER - CONTENTS (see section 2 of the policy for full details)

You can choose the level of cover you need

• Standard - cover limits of £35,000 or £50,000. Premiums are based on the number of bedrooms you have, up to a maximum of five
• Select - if the above is not suitable you just choose the amount you need to be covered for. Suitable for homes with up to nine bedrooms

BASIC POLICY

We will repair or replace your furniture, furnishings and personal belongings, (including money up to £200) which have been lost or damaged due to many causes such as:

• Fire, smoke explosion
• Lightning, earthquake
• Theft, malicious acts or vandalism
• Storm, flood
• Escape of water
• Falling trees

Automatically Included

• HIGH RISK PROPERTY
  Included up to 25% of your Contents cover. This includes items such as: jewellery, precious stones and metals, pictures and works of art, stamp and coin collections, clocks, watches, cameras, computers and business equipment. We will need to see proof of value (receipts or independent professional valuations) for individual pieces or collections worth more than 5% of your contents cover.
• ACCIDENTAL DAMAGE TO COMPUTERS, TVs, STEREOS, MIRRORS & FIXED GLASS
• ALTERNATIVE ACCOMMODATION
  Up to 20% of the contents cover
• BUSINESS EQUIPMENT
  Up to 10% of the contents cover
• PEDAL CYCLES
  Up to £250 per cycle
• HOUSEHOLD REMOVAL BY PROFESSIONAL REMOVERS
• PROPERTY IN THE OPEN
  Up to £500 (but excluding pedal cycles)
• PROPERTY IN GARAGES & OUTBUILDINGS
  Up to 5% of contents cover
• REPLACEMENT LOCKS & KEYS
  Up to £250 if keys are stolen
• FRAUDULENT USE OF CREDIT CARDS
  Up to £500
• FREEZER CONTENTS
  Up to £500
• SATELLITE DISHES
  Up to 5% of contents cover
• INFLATION PROTECTION
• LOSS OF METERED WATER
  Up to £1,000
• OCCUPIER'S LIABILITY
  Up to £2,000,000
• EMPLOYER'S LIABILITY
  Up £5 million
• PERSONAL ASSAULT
  Up to £5,000
• MONEY
  Up to £200
• SEASONAL INCREASE
  Contents cover increased by 10% from 1 December to 15 January
• HELPLINES
  Included for legal advice and domestic emergencies

What is not Covered

As with all insurance policies, there are certain things that the insurance does not cover such as:

• EXCESSES The first £50 of each claim
• HOMES UNOCCUPIED OVER 40 DAYS
  There is no cover for malicious acts, vandalism, theft, escape of water or leakage of oil if your home has been unoccupied for over 40 days when the damage occurs
• THEFT OF MONEY
  There is no cover for theft of money unless force was used to enter the home

Optional Extra

ACCIDENTAL DAMAGE TO CONTENTS Available at an extra premium

Also Available

PERSONAL POSSESSIONS AWAY FROM THE HOME -

• PERSONAL PROPERTY
  Available provided Contents are insured with Legal & General- Minimum £2,000 (Single article limit £1,500)
• PERSONAL MONEY
  Available provided Contents and Personal Possessions - Personal Property are insured with Legal & General. Minimum £500
• PEDAL CYCLES
  Available provided Contents are insured with Legal & General. Pedal cycles Minimum £250 (Single cycle limit £250)
• SPECIFIED ITEMS
  Available provided Contents are insured For items valued at, near to or above £1,500

What is not Covered

As with all insurance policies, there are certain things that the insurance does not cover such as:

• EXCESSES
  The first £50 of each claim
• WEAR AND TEAR
  Damage caused by normal wear and tear is not covered
• UNATTENDED VEHICLES
  Losses of more than £1,000 from unattended vehicles and theft of property that is not in a boot or glove compartment from unattended vehicles.

Also Available

FAMILY LEGAL PROTECTION

Available provided Contents are insured with Legal & General.

Up to £50,000 to cover the costs of defending or pursuing certain legal proceedings in the UK.

What is not Covered

• EXCESSES
  The first £50 of each claim
• DIVORCE AND MATRIMONIAL
  Claims relating to divorce and matrimonial matters