£100 of benefits for FREE

As a fluid Home Insurance policyholder you automatically receive Identity Theft Assistance, Property Emergency and Family Legal Costs cover as part of your policy - at no additional cost - many providers charge over £100 per year for these valuable benefits.

The following outline is a summary of the cover provided, please refer to the policy wording and policy schedule for full details.

Identity Theft Assistance

In today’s world it pays to have your wits about you. The latest estimate is that identity fraud costs the UK economy £1.7 billion with over 77,500 reported attempted identity frauds in the UK in 2007**.

We provide Identity Theft Assistance to help restore your legal and credit position with 24-hour assistance from lawyers and insurance to cover legal fees if you become victim.

The service provides:

1. Advice and guidance if you are a victim of identity theft on how to protect yourself from further losses and restore your credit profile
2. Insurance to arrange and pay up to £50,000 for a solicitor in the following circumstances:

• +Identity Theft Assistance will arrange and pay for a firm of solicitors to deal with organisations seeking reimbursement for unpaid goods or credit illegally obtained in your name on your behalf
• +Identity Theft Assistance will arrange and pay for a firm of solicitors to liaise with credit agencies on your behalf to correct your credit profile and ensure that you can legitimately obtain future credit
• +Identity Theft Assistance will arrange and pay for a firm of solicitors to defend any legal proceedings brought against you for goods or credit that you knew nothing about
• +Identity Theft Assistance will arrange and pay for a firm of solicitors to apply to the courts to overturn any legal judgements that have been recorded against you as a result of your becoming a victim of identity theft.

Property Emergency Insurance

The cover provides you access to a 24 hour emergency helpline to help advise you of how to protect yourself and property immediately if you suffer a property emergency incident at your home.

We will also organise and pay up to £300 including VAT, call out, labour, parts and materials to carry out the emergency repairs or, if at a similar expense a permanent repair.

Emergency Incidents that will be covered by this policy are:

• +Plumbing problems related to leaking pipes, blocked drains or leaking radiators
• +Blockages in toilet waste pipes
• +Sudden and unforeseen roofing problems such as leaks or tiles blown off during a storm or bad weather
• +Broken or damaged windows and doors presenting a security risk to the property
• +Gas or electricity failure within the property
• +Central heating or boiler failure
• +Hot water failure
• +Vermin such as rats, mice or wasps nests inside the property
• +Loss of all keys required to access the home

In the event of the property becoming uninhabitable following an emergency incident and remaining so overnight, we shall at your request arrange and pay up to £100 including VAT in total for:

a) your overnight accommodation; and/or
b) transport to such accommodation

Important Conditions and Exclusions

This policy does not cover:

• +Claims which are not notified via the 24 hour helpline in the first instance
• +Conditions which you were aware of prior to entering into this contract
• +Day to day maintenance at the property or replacement of items which wear out over a period of time
• +Replacement of cylinders, tanks, radiators and sanitary ware
• +Burst or leaking flexible hoses which can be isolated or leaking washing appliances
• +Boilers over 15 years old or boilers or heating systems that have not been professionally inspected or serviced within the preceding 12 months
• +Failure of boiler or heating between May to August inclusive
• +External water supply pipes
• +Damage to boundary walls, hedges, fences or gates

Family Legal Costs

The cover provides for indemnity in respect of legal costs and expenses incurred as a result of an action falling into certain specific categories. The maximum payable under this cover is £50,000 per claim. The policy is subject to a £50 excess.

Cover is only available for legal action occurring in the United Kingdom, Channel Islands and Isle of Man arising from an incident in those territories.

The cover is designed to complement household insurance providing cover in the following areas:

• +Contractual disputes
• +Personal Injury
• +Employment disputes
• +Disputes relating to the purchase or sale of the home
• +Disputes relating to nuisance or trespass
• +Physical damage to the home
• +Data Protection Act
• +24/7 Telephone Legal Advice
• +Access to discounted uninsured legal services such as will writing and conveyancing services etc

Contractual Disputes

Cover under this section is in two parts. Firstly to enable you to pursue a claim against a party from whom you have purchased goods or services for your own personal use and those goods or services have subsequently proved to be defective. An example would be a holiday which was unsatisfactory because information in the holiday brochure turned out to be wrong (distance from local amenities, availability of swimming pool etc).

The second element of the contract cover is for the defence of actions brought by a party to whom second hand goods have been sold by you. For example the sale of a personal computer which is then alleged to be defective.

Personal Injury

Cover under this section provides for the pursuit of claims for compensation arising from an injury caused by another party’s negligence. A typical example would be injury sustained by you when a passenger in a motor vehicle or an accident at work.

Employment Disputes

If you felt that you had been unfairly dismissed indemnity under this section of cover would give you the means to pursue a claim at Employment tribunal for compensation or reinstatement.

Disputes relating to the purchase or sale of the home

There are many areas where disputes could arise during the purchase or sale of the home.

A typical example would be a claim against a surveyor who has failed to report on a fault with the property that subsequently affects it’s market value or where the seller’s have made incorrect statements in the Property Information Form.

Disputes relating to nuisance or trespass

Cover under this section gives you the ability to pursue a claim against a party who has infringed your legal rights in relation to the home through nuisance or trespass.

An example would be a neighbour erecting a wall which cuts out light to your home or moving a boundary fence.

Physical Damage to the Home

If the home is damaged as a result of another party’s negligence cover under this section would provide you with indemnity in respect of legal costs incurred in order to pursue a claim for compensation.

Data Protection Act

If personal data relating to you held by a third party is misused, resulting in financial loss, cover under this section would give you the ability to pursue a claim for compensation.

 

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* Identity Theft Assistance is only applicable for Owner Occupied Risks, please see your policy schedule if cover applies.

** Source of statistics - ARC Legal Assistance Limited