Your Home Insurance policy documents explained

This includes:

• What’s in your document pack
• What you need to do next
• All our important contact details
• Reminders of important information you need to send us

This explains:

• How much your payments will be
• Which account or card they’ll be taken from
• How the Direct Debit guarantee works

We’ll only send you this document if you’re paying by monthly instalments. It explains:

• The total cost of the credit payment
• The key features of the credit arrangement
• How to get in touch if you have any queries

The Fixed Sum Loan Agreement is a legal contract to supply credit to a customer and is regulated by the Consumer Credit Act 1974.  The agreement contains key financial information such as:

• Amount of credit
• Term of agreement
• Instalment amounts and frequency
• Annual Percentage Rate (APR)
• Charges applied (e.g. if you miss a payment)
• Early settlement amounts

If you’re paying by monthly instalments, you’ll get two copies of this document. All you need to do is sign one copy and return it to us, and keep the other copy for your records.

This shows all the details you gave us about you and your home when you bought your policy

This shows:

• Details of your home insurance
• Your policy number
• Cover details
• Any excesses or endorsements that apply to your policy
• Which sections of the policy wording apply to you
• The name and address of the insurer that’s underwriting your policy

This document sets out important information about how we will arrange and administer your insurance policy on your behalf and forms a separate contract with you. It details the services we will provide to you, our fees and charges and includes information about how your policy will be renewed.  It also shows how we are regulated.

This contains all the general information about your home insurance policy. It also explains your obligations as a policyholder, our rights and any general exclusions to your policy.

We can usually set up a DDI over the phone when you buy your policy, but we’ll send out a printed version if:

• The account holder did not want to give us verbal authorisation
• We didn’t speak to the account holder when the policy was purchased
• The DDI has previously been cancelled by the account holder’s bank

The DDI must be signed by the account holder and accepted by the bank before we can take any payments from the account.

If you’ve bought any additional products you can view and download your documents in your My Account.  If you prefer, we can send a them out to you in the post if you contact our Customer Service team. If you bought Keycare these documents will be sent out to you separately in the post.

Additional products might include:

• Family Legal Protection
• Home Emergency Assistance
• Keycare Cover