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Tenants and use of property:-
A lease agreement, rental agreement or a deposit guarantee bond applies to each individual tenant.
The insured property will not be used for holiday letting purposes.
The insured property is not used in any part for any trade or business other
than that which specifically relates to the letting of the buildings for normal
domestic purposes.
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Condition and location of property:-
The insured property is in a good state of repair and will be maintained as
such.
Lofts of the building and all water tanks and pipes fully and adequately
lagged.
The insured property is built of brick, stone or concrete and roofed with
slates, tiles, concrete, asbestos, asphalt or metal.
If the insured property is a flat, it is not above commercial premises used
for the cooking trade (e.g. fish and chip shop, takeaway, restaurant) nor
is it above any unoccupied commercial premises, unless the unoccupied commercial
premises have been built within the last 12 months.
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Utilities:-
All connected gas appliances in the insured property must be checked annually
by British Gas or a registered CORGI installer or if the insured property is
newly purchased they must be checked within one month of the completion
date.
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For contents cover:-
(i) You have not experienced any theft within the last 12 months and no more
than 1 incident of theft, within the last 3 years in respect of contents,
household goods or personal effects at the address of the insured property.
(ii) You have not experienced more than 2 losses of any type within the last 3
years at the insured property address.
(iii) You have not experienced more than 1 incident of fire or escape of water
within the last 2 years in respect of contents, household goods or personal
effects from any address.
(iv) You have not incurred any liability for contents in respect of any address
within the last 5 years.
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For buildings cover:-
(i) The insured property address has never been affected by subsidence, heave,
landslip or flood nor is it in a neighbourhood with a history of subsidence,
heave, landslip or flood.
(ii) You have not experienced more than 2 incidents of loss or damage at the
insured property address in the last 3 years.
(iii) You have not experienced any loss or damage in respect of buildings at
the insured property address of over £1000 in the last 3 years.
(iv) You have not incurred any liability for buildings in respect of any
address within the last 5 years.
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