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The buildings sum insured do not represent the full rebuilding costs for Building
cover |
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The contents sum insured do not represent the full replacement cost of all items
insured (less an allowance to wear and tear) |
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The property is not built of brick, stone or concrete, or not roofed with slates, tiles,
metal, asphalt or concrete |
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The property is not in a good state of repair, or has damage or defects of some
kind |
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The property is in an area susceptible to flooding |
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The property or area is subject to subsidence, ground heave, landslip or coastal or
river erosion |
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The property is subject to previous underpinning or any remedial action of any
type in connection with subsidence, ground heave, landslip or coastal or river
erosion |
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The property contains a restaurant or other social amenities |
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The property is not occupied solely for private residential purposes |
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The property is normally unoccupied at night, or may be left unoccupied for more
than 30 consecutive days |
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The property may be left unoccupied for more than 60 consecutive days |
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The property is a listed building |
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The private dwelling houses or flats are let as bedsitters, short-term lets or holiday
accommodation for a tenancy agreement of less than 6 months |
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During the last 5 years you or your spouse (or in the case of a firm, any director or
partner) have suffered loss, destruction or damage, or have been liable for
accidents involving other persons with respect to the events which you wish to
insure against |
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An insurer has imposed terms or previously declined (at any time) with respect to
the risks to be insured |
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You or any members or you family or anyone normally residing with you (or, in the
case of a firm, any director or partner) have been subject to any declaration of
bankruptcy or liquidation |
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The applicant(s) or any person living in the home has been convicted of, or
received a police caution for any criminal offence (other than motoring offences) or
there is a prosecution(s) pending |
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The applicant has one or more convictions for fraud or dishonesty (of any kind) |
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The property is not currently occupied |
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The property is not self-contained (i.e. it does not have a separate private
entrance under your sole control) |
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The property will not be occupied from commencement |
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The property (including garage) is showing signs of movement (e.g. cracking or
bulging walls) which could be attributed to subsidence, heave, landslip or flooding |
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The property (including garage) is situated within ¼ mile (400m) of the nearest
river, watercourse or sea |
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The property contains cooking or washing facilities (other than hand basins) in the
bedroom(s) |
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The applicant(s) or someone living in the property is engaged in the entertainment
profession |
