Premier Executive House Insurance

• Sleep easy knowing your home is protected against a wide range of events
• Receive a No Claims Bonus if you have been claims free with us for 12 months
• We can cover your accommodation costs while your house is being repaired or rebuilt
• Get a quote in one easy phone call.

Benefits

	Legal liability cover Up to Vt500,000,000 for your legal liability if an accident happens at your house which causes loss or damage to other people’s property or injury to someone.
	Gradual water damage Up to Vt120,000 for gradual damage to your house caused by a leaking internal water pipe or internal waste disposal pipe.
	Temporary accommodation cover Up to Vt750,000 for temporary accommodation costs.
	Keys and locks cover Up to Vt40,000 for replacement keys and locks – with no excess to pay.
	No claims bonus If you’ve been claims free with us for 12 months you will receive a No claims bonus. If after a further one year you have been claims free you will qualify for an extra no claims bonus.

Optional benefits

	Cyclone cover Cover for your house if it’s damaged by gale, windstorm, hurricane or cyclone (special conditions apply). List of Approved Engineers to issue Cyclone Engineers Certificates (PDF, 223kb)
	Rental cover Up to Vt1,250,000 for loss of rent and up to Vt500,000 for damage to fixtures and fittings if your house is tenanted.

Important: This is a summary only. For a full outline of the policy terms, conditions and exclusions please read the policy wording (below) and the certificate of insurance.

Your choice of cover

Regardless of the policy you’ve selected, you also have the choice of insuring your house for either:

• Replacement value which covers the cost of rebuilding, replacing or repairing your house to a new condition – up to a maximum of the sum insured; or
• Indemnity value which is more limited and means we cover the cost of rebuilding or repairing your house to a condition no better than new, less an appropriate allowance for depreciation and deferred maintenance – up to a maximum of the sum insured.