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Previous History Details Initial Disclosure Document

Quote Purposes


CIDRA Disclosure Obligations – Consumers

You must take reasonable care to provide complete and accurate answers to the questions we ask when you take out, make changes to, and renew your policy.

You should be aware that if the information provided by you is not complete and accurate, we may:

  • cancel your policy and refuse to pay any claim, or
  • not pay any claim in full, or
  • revise the premium and/or change any excess, or
  • revise the extent of cover or terms of this insurance.

We recommend that you keep a record (including copies of letters) of all the information you provide to us for your future reference.

Definition of customer: any natural person who is acting for purposes which are outside his trade or profession.

So that you receive the correct quote, please advise its purpose:

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About The Property To Be Insured:

All questions marked with * must be answered in full.

/
We currently don't cover the selected postcode
(Fire, Lightning, Earthquake, Explosion plus Liability Cover)

Is the property solely commercial (click yes) or is there residential accommodation as well (click no)?'

We're sorry but we currently don't cover this risk.
(min. £60,000 - max. £3m for residential)
£
(Full cost of reconstruction in present form. This amount must also include all outbuildings, garages, domestic oil and gas pipes, domestic fuel tanks, swimming pools, tennis courts, drives, patios, terraces, walls, gates and fences) Full Accidental Damage Cover provided FREE as standard

(Please note you can provide this information at a later date)
(residential area only) (min. £1,000 or £15,000 for a Contents only policy - max. £100,000)
£
Contents insurance is only available on properties with a residential aspect
(This amount must represent the full cost of replacement as new) Full Accidental Damage Cover provided FREE as standard
Please note:
£5000 free landlords contents is only given for tenanted properties when buildings are insured.

Property Owners Liability Insurance

As you've selected a contents only policy, we can offer Property Owners Liability Insurance for just £50.00 + IPT

We provide £5000 contents cover FREE when buildings are insured for Curtains, Carpets, Blinds and White Goods. Please remember to reduce the contents sum insured to take this free cover into account.
%
£
We are currently unable to provide a quotation for this type of works
We are currently unable to provide a quotation for this type of works

Year/s
Month/s

Additional Information About The Property To Be Insured:

All questions marked with * must be answered in full.

We define the home as the private residential premises. You do not need to declare the construction of outbuildings here, whether detached or attached to the main home.
We currently don't cover the specified wall construction type
We define the home as the private residential premises. You do not need to declare the construction of outbuildings here, whether detached or attached to the main home.
We currently don't cover the specified roof construction type
We're sorry but we currently don't cover this risk.
Main flood details:

Please tell us more about the previous flood(s)

£
Add another flood Remove flood
Subsidence History
Subsidence details :
£

(A bedsit is a property divided into separate rooms with cooking facilities in each room and shared bathing facilities)

We currently don't cover this amount of bedsits.
We're sorry but we currently don't cover this risk.
Next Add new property Remove property
You can add up to a maximum of 19 additional properties to this cover.

Previous History


Previous history:

All questions marked with * must be answered in full.

Main claim details:

Please tell us about the previous claim

£
(If multiple properties please confirm claim address as part of the full description of loss)
Add another claim Remove claim
Subsidence details :
£
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We or our group companies may also send you details of the products and services of our group companies.

Please tick if you would like to hear about these:

You can opt out of marketing communications at any time by contacting us.


Important Notice

The information you have provided in this submission contains statements upon which we will rely when deciding whether to accept this insurance and the terms on which it may be offered, including the amount of premium payable.


It is very important that the information is complete and accurate. If you are in any doubt at all regarding any of the answers given, you should ask us or your insurance broker.


If any of the information provided by you changes after you purchase your policy or during the period of your policy you must immediately provide us with details of the changes.


We act on a ‘non-advised’ basis which means that we will offer you information about the significant features, benefits, limitations and exclusions of a particular insurance policy(ies), but it is for you to decide by assessing the features, benefits and conditions which of these best suits your requirements. When acting on a ‘non-advised’ basis, we act as Agent of the Insurer (that is to say, we represent the insurer).


This insurance policy is underwritten by a consortium of the following insurers, led by HCC International Insurance Company plc (HCCII) trading as Tokio Marine HCC. This company is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Declaration

To the best of my/our knowledge and belief all statements and information provided in connection with this insurance, either orally, electronically or in writing, are true. I/we understand that non-disclosure or misrepresentation of any of the answers given may entitle underwriters to:-

  • cancel my/our policy and refuse to pay any claim, or
  • not pay any claim in full, or
  • revise the premium and/or change any excess, or
  • revise the extent of cover or terms of the insurance.

For information on how we use your personal data please refer to our UK Privacy Notice

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Should you need support or assistance please contact us on 0115 9505052