Policy information and underwriters

Policy acceptance is subject to the conditions listed in the "assumptions we have made" step of the online application process and any other information provided by you. If it is subsequently discovered that you fail to meet these conditions, or you have failed to disclose material information, this could result in amended terms, a claim being rejected or the policy being invalid. The details given usually provide us with sufficient information to enable us to consider the application. However, please consider carefully whether there is any other material information known to you which could influence our acceptance or assessment of your application. Material information would include any special features of the property, or anyone who normally lives at the property which makes losses more likely to happen or more serious if they do. If you are unsure whether a piece of information is material you should disclose it by telephoning us on 0845 600 6001. Please note, if you do not disclose all relevant information or if that information is inaccurate, claims may be affected or we may cancel your policy.

When giving us information about another person, we believe that you act for them with their knowledge and approval. We also believe that you have their authority to agree to the processing of their personal details to determine the cover offered. We will hold this information no longer than necessary. We assume that the information you have given us is accurate. If anything is incorrect in the details we send you, please let us know.

Data Protection Act - Any information you provide will be held by Lloyds Banking Group. It may be used by selected third parties, unless you have already asked us not to do so. The Lloyds Banking Group includes us and a number of other companies using brands including Lloyds TSB, Halifax and Bank of Scotland, and their associated companies. More information on the Lloyds Banking Group can be found at www.lloydsbankinggroup.com.

We would advise you that we exchange information with insurers through various databases to help us check information provided and also to prevent fraudulent claims. We will include further details when we write to you.

The policy includes a 14 day cooling off period for you to consider the cover. If you decide that the cover is not what you wanted, you can change your mind without charge provided that you have not needed to make a claim.

Underwriters
All cover except Home Emergency Cover and legal expenses cover is provided by a panel of insurers. Further details are available on request.

Home Emergency Cover is provided by Underwritten by Royal & Sun Alliance Insurance plc.

Legal expenses cover is provided by DAS Legal Expenses Insurance Company Ltd.

All companies are authorised and regulated by the Financial Services Authority. FSA authorisation can be checked on the FSA’s Register at www.fsa.gov.uk/register.