A unique insurance policy designed for retired people who live
in smaller homes or sheltered accommodation who require minimal
levels of home contents cover.
Minimum sum insured is £3,000, increasing to a maximum of
£13,000. Insurance cover is on a 'new-for-old' basis, excess free
and automatically includes frozen food, third party liability
(including tenants liability), and personal possessions - such as
spectacles - away from home.
It also includes a mugging benefit which provides a capital
sum for an assault which results in death or loss (including loss
of use) of a limb or an eye. (Certain inner city postal districts
are excluded.)
Key Policy Features
- 'New-for-old' protection - excl. clothing
and linen; a deduction is made for wear and tear
- Excess free cover on all types of
claim
- Low sums insured and low premiums -
starting at £23.90 for £3,000
- Sums insured are index-linked
- Property in the garden up to 2% of the sum
insured
- Third party liability up to £2m and
tenants liability up to 10% of the sum insured
- Loss of money - anywhere - up to 2% of the
sum insured
- Personal possessions such as spectacles,
hearing aids and clothing up to 15% sum insured, (5% for any one
item)
- Anywhere in the UK and up to 60 days
worldwide
- Unique mugging benefit - 50% sum insured
for death / loss (incl. loss of use) of a limb or eye
- Accidental damage to TV and video
equipment, computers, mirrors and glass in furniture
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