Your Details

How we use the information you provide to us is detailed below:

Data Protection Act

Data Protection Act - Any information you provide will be held by Halifax General Insurance Services Limited and St Andrew´s plc. Members of our group of companies may use it to inform you by letter, telephone, email or otherwise about any products and services and those selected third parties, unless you have asked us not to do so.

For more details about our use of personal information, you can download a copy of our leaflet, About you - Personal information and Your Identity. You will need Adobe Acrobat Reader to view the guide.

How we will use your email address

We will contact you by email in relation to your Home Insurance quote. When you take out a Home Insurance policy, we would like to contact you by email and other means to inform you of other products offered by the HBOS group.

The following are definitions of the information we ask for to calculate your claim:

Material Facts

Material facts are information that the insurer requires to know about you and your home in order to assess your cover and premium. If there is a change in circumstances and you do not tell the insurer at the start of your policy, it could lead to the wrong terms being quoted, a claim being rejected, the payment being reduced or the policy being invalid.

An example of a material fact about your home would be the use of your home to conduct business. An example of a material fact about you would be that you have made a claim in the last 5 years. You must disclose all relevant material facts.

You and Anyone Residing at the Property

This information is taken on behalf of you and any member of your family residing at your home. (Family includes partners and adopted and fostered children.)

Insurance Cancelled, Refused or Declined

Please provide information that relates to all household and personal possession insurance policies, not just through the Halifax. You must inform us if you have been declined cover by your previous insurer(s) or any previous insurers.

Convictions

If you have ever been convicted or cautioned for any offence, you need to find out whether you need to disclose the conviction under the terms of the Rehabilitation of Offenders Act 1974.

Claims or Losses

When assessing whether this applies to you, you must include details of items/events where loss or damage occurred regardless of whether a claim was made or whether it was paid or not. You must consider number, type, nature and cost as a result of the loss or damage.

Where an incident resulted in a claim under both the buildings and contents section of your policy, this should be as two previous claims (one for buildings and one for contents)

Your home has not suffered from subsidence, landslip or heave

Has your home been damaged by subsidence, landslip or heave, or does it show any sign of cracking or bulging of the walls? Has your home been underpinned recently or is it subject to an ongoing monitoring claim?

Early stages of subsidence can be shown by zigzag cracking in the mortar joints on the exterior of the building, heavy clay soils such as London clay can be susceptible to subsidence, especially if trees are planted close to the foundations. Sunken pathways would indicate a possible collapse or defect linked to drains.

Pathways that have risen and broken up would indicate heave or root lift, both of these faults may be linked to the presence of trees. Internally, plasterwork cracks would usually tend to be more than 5mm in width.

Your home is in a good state of repair

Your home is maintained on a regular basis, not in need of any renovation.

Occupied solely by you and your family

Your home is occupied by you and your family only, there are no tenants or guests living with you.

Business Use

Your home is used for anything other than private residential purposes.

Occupied on a daily basis

Your home is lived in on a day-to-day basis.

Policy start date

The date you want the policy cover to start from.

Date of birth of the eldest resident

The date of birth of the oldest person living at the property.

Postcode

If you have a new postcode which we do not hold on our records, please check with the Royal Mail postcode helpline on 0906 3021 222 between 8am - 6pm weekdays and 08457 111 222 between 6pm and 8pm on weekdays and between 9am - 5pm on Saturdays and 9am - 2pm on Sundays or alternatively at www.royal mail.co.uk.

Type of Property

What is the common name for the type of property.

For Flats - the floor is selected according to where the main living quarters are based. Mid Floor refers to any floors above the ground floor and below the top floor. In the case of a flat on two floors or more, the floor should be selected according to the location of the kitchen.

Converted building is a residential property for which the original purpose was not residential.

A link detached is classed as a semi-detached for the purposes of completing this application.

Approximate Year Built

In what year approximately to the nearest 10 years was the property built.

Number of Bedrooms

How many bedrooms does the property have, (this includes any rooms which were designed as bedrooms but are now used for other purposes, e.g. study). For a bedroom to be classed as a bedroom it must have a window and be bigger than 40ft sq. If an attic has been converted it must have access by a permanent staircase and not a drop down or temporary ladder.

Number of Garages

How many garages do you have? A single garage is classed as one; a double garage is classed as two.

No Claims Discount

No claims discount can help to keep your premium costs down. Up to 30% no claims discount is available immediately, dependant upon the number of previous claim/loss free years that you have built up.

• 1 year = 10% discount
• 2 years = 15% discount
• 3 years = 20% discount
• 4 years = 25% discount
• 5 years = 30% discount with the ability to protect the NCD for an additional premium

When you tell us how long you have held household insurance and how many claims or losses you have suffered in the last 5 years we automatically deduct the relevant discount from your premium.

How long have you held household insurance?

How many years have you had either a buildings or contents insurance policy for?

Claims or Losses in the last 5 years

When assessing whether this applies to you, you must include details of items/events where loss or damage occurred regardless of whether a claim was made or whether it was paid or not.

You must consider number, type, nature and cost as a result of the loss or damage.

Type of Loss

Was it a buildings or contents related claim, (include accidental damage and personal belongings claim under the main coverage, e.g personal belongings under contents)?

When did loss/damage occur?

What was the approximate date to the nearest year of the loss or damage occurring?

Neighbourhood Watch

A police approved scheme involving individual home owners and occupiers ´keeping a watching brief on homes´ in their area and making community security improvements.

Burglar Alarm

An alarm which when activated highlights to others by way of a bell, flashing light or a signal that an intruder has entered your home.

Excess

The first part of any claim, which you have agreed to pay.

High Risk Items

High risk items are frequently targeted during thefts and include TV and audio equipment, computers, jewellery, furs and fine art (subject to the specified limits).

Legal Cover

Provides cover for you and your family for costs of taking or defending legal action for up to £50,000 for each claim to deal with such things as consumer rights, injury and employment issues. See policy wording for full details of cover and exclusions.

Home Emergency Cover

In the event of making a claim by calling helpline number 0845 600 0774 this cover will provide assistance to you or any member of your family who have a home emergency, e.g. a burst pipe or an electrical failure.

A qualified person will come to your home and carry out emergency repairs to fix the problem and also to cover you for up to £250.00 call out charges, labour and necessary materials.

Personal Belongings

Provides cover for loss or accidental damage to you and your family´s personal belongings when they are in or away from the home, for instance, golf clubs stolen on course (including abroad for up to 60 days). You can select up to £10,000 of cover in total and up to £2000 for a single item.

Protected No Claims Discount (NCD)

If selected this allows you to make two claims within 12 months without affecting your no claims discount bonus.

Title (2nd insured)

Please choose a title (e.g. Mr, Mrs etc...) for this second person.

Date of Birth (2nd insured)

Please provide us with the date of birth of this second person.

Name / Company (3rd party)

Please provide us with the name of the person/company to be noted on the policy.

Address / Company Address (3rd party)

Please provide us with the address of the person/company to be noted on the policy.

Reference (3rd party)

Please provide us with a reference number of the person/company to be noted on the policy.

Postcode (Correspondence Address)

Please provide us with the postcode to which correspondence should be sent.

House Number / Name (Correspondence Address)

Please provide us with the house number or name to which correspondence should be sent.

Payment Details

A list of the ways you can pay for the policy.

Credit / Debit card

A list of acceptable cards.

Card Number

The long series of numbers in the middle of your card.

Issue Number

Two digit number relating to the number of cards you have received.

Policy Conditions and Endorsements

The policy wording lists conditions that you must meet as part of the contract.

Endorsements are conditions or restrictions on your policy that affect the cover provided. These can be found on your policy schedule.

Important information

This is standard information provided to you to explain the importance of supplying material facts, processing consent terms, the Halifax’s role as an independent intermediary acting on behalf of Insurers, the law which applies to this contract and what who and why.