What Does it Mean?

Certain words have a special meaning. These words appear in bold in the policy conditions. We explain these special meanings below. Accidental damageDamage caused by a single external event which is sudden and unexpected and which is neither inevitable nor deliberate.

Credit card Any credit, debit, charge, cheque, bankers or cash dispenser card, issued in the United Kingdom, for which you or any of your family is the cardholder.

Buildings Your home and its fixtures and fittings, garden, patios, terraces, footpaths, swimming pools, ornamental ponds, solar panels, wind
turbines, tennis courts, drives, walls, fences, hedges and gates, which are at the address named in your policy schedule. It does not include the contents of the buildings or the services extending to or from your buildings.

Contents

Household goods, high risk items, satellite receiving equipment, garden machinery and electric or motorised wheelchairs, office equipment in your home, downloaded electronic data, money and personal belongings owned by you or any of your family or for which you or they are legally responsible.
Contents also includes visitors' personal belongings in your home.
Contents does not include any of the following:

• motorised vehicles or motor cycles (including motability scooters, children’s motorised vehicles or motor cycles), parts or accessories for any of them; or
• go-karts, trailers, trailer tents, caravans, aircraft of any type, boats or water craft of any type, parts or accessories for any of them; or
• obsolete analogue aerials following the digital switchover; or
• swimming pool covers; or
• credit cards; or
• mobile phones; or
• animals; or
• windsurfers or surfboards; or
• any electronic data other than downloaded electronic data; or
• anything more specifically insured by another policy; or
• anything used for any trade, professional or business purposes other than office equipment in your home (any items purchased or manufactured as part of a trade, profession or business and detailed in the accounts of such trade, profession or business will be treated as being used for trade, professional or business purposes, irrespective of any domestic use they may have); or
• any high risk items or personal belongings with a value higher than the limit specified in your policy summary document or any pedal cycles including accessories, which must be named in your policy schedule and for which you must purchase specified items cover to cover them under your policy.

Downloaded electronic data Non recoverable electronic data legally downloaded by you or your family from a legitimate worldwide website, which you or your family have purchased and for which you or your family hold a receipt. The receipt may be in electronic format.

Domestic employees People employed by you or any of your family to work within the boundaries of your home doing domestic duties, who are legally resident in the United Kingdom and for whom you pay employee’s national insurance contributions.

Essential services Mains drainage to the boundary of your home, water, electricity and gas within your home and the main source of heating, where no alternative exists and the service is immediately necessary to prevent a home emergency.

Excess The first part of any claim which you have to pay. We show the excess amounts in your policy schedule.

Extended contract A policy for which the insurance period extends beyond 12 months. Cover dates are shown on your policy schedule.

High risk items Computers, televisions, video and audio equipment, photographic equipment, DVDs, CDs, jewellery and items made from precious metals, watches, clocks, furs, works of art, telescopes, microscopes, musical instruments and sets or collectables/collections including but not limited to stamp, medal and coin collections.
High risk items does not include any items with a value higher than the limit specified in your policy summary document, which must be named in your policy schedule and for which you must purchase specified items cover to cover them under your policy.

Home The private dwelling and its outbuildings at the address named in your policy schedule together with its garages, all as detailed in the deeds of the property and used for domestic purposes.

Home emergency

The result of a sudden and unforeseen incident at your home which immediately:

• exposes you or a third party to a risk to your/their health; or
• creates a risk of loss of or damage to your home and/or any of your contents; or
• renders your home uninhabitable.

It includes damage to or breakdown of the essential services to your home and/or permanent and irreplaceable loss of all keys required to gain access to your home, but not garages or outbuildings. Insurance period The period during which you have insurance cover. This is shown in your policy schedule.

MoneyCurrent bank notes and coins, cheques, banker’s drafts, electronic cash pre-payment cards, postal and money orders, trading stamps, stamps which are not part of a stamp collection, premium bonds, saving certificates, travellers cheques, travel tickets, luncheon vouchers, gift tokens, phone cards, parking vouchers, travel vouchers and season tickets.

Office equipment Computer equipment, facsimile machines, photocopiers, typewriters, word processing equipment, fixed telecommunications equipment,
business books, stationery and office furniture all owned by or the legal responsibility of you or your family and used in the running of your or their business. Office equipment does not include business stock.

Rebuilding cost

The cost of rebuilding your buildings in the same form, size, style and condition as they were immediately before the insured event including:

• the cost of complying with local authority and other statutory requirements;
• architect’s, surveyor’s and legal fees; and
• clearing debris, demolition and making the buildings safe.

Sanitary wareWash basins and pedestals, sinks, bidets, lavatory pans, cisterns, shower trays, shower screens, baths and bath panels.

Specified items

• Any high risk items or personal belongings with a value higher than the limit specified in your latest policy summary document; or
• any pedal cycles including accessories;

which are named specifically in your policy schedule and for which you have purchased specified items cover to cover them under your policy.

Storm Winds of at least 55mph and/or 25mm of rainfall in any 24 hour period.

United Kingdom England, Scotland, Wales, Northern Ireland and the Isle of Man.

Unoccupied When your home has not been lived in by you or any of your family for more than 30 days in a row.

Vermin Animals or insects that are destructive in their natural behaviour or considered pests or nuisances, including but not limited to rodents, weasels, squirrels, flies and cockroaches.

We/us/our

For all cover under your policy except home emergency cover and legal expenses cover, this is St Andrew's Insurance plc.
For home emergency cover, this is Inter Partner Assistance S.A.
For legal expenses cover, this is DAS Legal Expenses Insurance Company Limited.

Works of art Items from one of the fine arts including but not limited to pictures, paintings, sculptures, bronzes, ornaments, jewellery, limited editions and fine art collectables.

You/your The person or people named as the policyholder or policyholders on your policy schedule.

Your family Your spouse, your civil partner (as defined in Section 1 of the Civil Partnership Act 2004) or the person (whether or not of the same sex) with whom you are permanently cohabiting in a marriage-like relationship, children (including adopted and foster children), relatives and domestic employees, who normally live with you.

Pair, set or suite

• Contents in your home, floor tiles and solid wood and laminate floors;
  and
• internal wall coverings, fitted furniture and sanitary ware in the same room;
  which form part of a set of common design or uniform matching nature, design or colour.

Personal items and high risk items normally worn or carried in everyday life owned by you or any of your family, or for which you or they are legally responsible, including money, portable satellite navigation systems, sports equipment and electric or motorised wheelchairs.
Personal belongings does not include any of the following:

• motorised vehicles or motor cycles (including motability scooters, children’s motorised vehicles or motor cycles), parts or accessories for any of them; or
• go-karts, trailers, trailer tents, caravans, aircraft of any type, boats, jet skis or water craft of any type, parts or accessories for any of them; or
• spoiled frozen food; or
• credit cards; or
• mobile phones; or
• animals; or
• household goods or domestic equipment; or
• china, glass, pottery, any similar items which are fragile; or
  • contact lenses; or
• garden machinery; or
• camping equipment; or
• non portable satellite receiving equipment; or
• any items more specifically insured by another policy; or
• anything used for any trade, professional or business purposes (any items purchased or manufactured as part of a trade, profession or business and detailed in the accounts of such trade, profession or business will be treated as being used for trade, professional or business purposes, irrespective of any domestic use they may have); or
• any other items with a value higher than the limit specified in your latest policy summary document or any pedal cycles including accessories, which must be named in your policy schedule and for which you must purchase specified items cover to cover them under your policy.