-
Buildings Cover Limits
Causes Covered Standard Policy Limit Buildings Cover Maximum Claim Limit £1,000,000 Alternative Accommodation 20% of the maximum claim limit for buildings Replacement Locks & Keys £750 Removal of Squatters £10,000 Trace & Access £5000 Property Owners Liability £2,000,000 Trees, Shrubs, Plants and Lawns £1,500 Contents Cover Limits
Causes Covered Standard Policy Limit Contents Cover Maximum Claim Limit £100,000 Theft of Contents from an Outbuilding or Garage £3,000 Loss of Metered oil or water Up to the maximum claim limit for Contents Occupiers & Personal Liability £2,000,000 Employers Liability £10,000,000 Tenants liability 20% of the maximum claim limit for Contents Contents temporarily removed Up to the maximum claim limit for Contents Rent & Alternative Accommodation 20% of the maximum claim limit for Contents Replacement locks & keys £750 Wedding/Birthday and Religious increase £3,000 Visitors Personal Belongings £1,000 Tenants Improvements 20% of the maximum claim limit for Contents Students Belongings Up to the maximum claim limit for Contents Business Equipment (Clerical) Up to the maximum claim limit for Contents Title Deeds & Personal Documents £2,500 Freezer Food Up to the maximum claim limit for Contents Money in the Home £750 Credit Cards in the Home £500 Total unspecified High Risk items Limit/Valuables £30,000 Single unspecified High Risk item limit/Valuables £2,500 Single specified item limit £10,000 Contents in the open (within the property boundaries) £2,000 Electronic Data Downloads £2,500 Optional Cover Extensions
Causes Covered Buildings Contents Standard Policy Limits Accidental Damage Cover Y Y Up to the Buildings or Contents Maximum Claim limit Home Emergency cover Y Y £1,000 per claim Personal legal Protection Y Y £50,000 Optional Personal Belongings Cover
Unspecified Personal Belongings Policy Limit Specified Personal Belongings Policy Limit Maximum Unspecified sum insured £20,000 Total Maximum Specified Personal Belongings £20,000 Single Item limit (Non Cycle) £2,500 Single Specified Limit (Non Cycle) £10,000 Single Item Limit (Cycles) £500 Maximum Combined Unspecified and specified £20,000 Personal Money £750 Single Specified Limit (Cycles) £3000 Credit Cards £500 Maximum All Specified Cycles £5,000 Mobile Phones Up to chosen PB cover limit Maximum number of Cycles 5 Standard Policy Excess Amounts
Standard policy Excess £100 Escape of Water £250 Subsidence, Heave or Landslip £1,000 -
For Policy claims please call 0345 0724386
How to make a claim
If you need to make a claim, what you need most of all is speedy, professional, practical help. That is exactly what we provide.
When an accident happens, you should take any immediate action you think is necessary to protect your property and belongings from further damage, such as switching off the gas, electricity or water.Call our claims helpline on the number shown on your schedule. Please have your policy number handy when you call. While most claims can be agreed over the phone, there may be times when we will ask you to complete a claim form and provide us with further information and/or we may wish to arrange a visit and inspection.
To help us deal with your claim quickly, please read the policy booklet carefully, particularly
the Claims conditions and Policy exclusions on pages 12 to 17. -
Target Market Statement
Home Insurance
What customer need is met by this product?
This product is designed to provide financial protection for buildings and/or contents against certain events and catastrophes (such as fire, flood, theft, or malicious damage).
Who is this product designed for?
Individual and joint home owners or tenants, and their families, living at the home address in the United Kingdom.
Eligibility criteria
Customers must:
- Have not had insurance cancelled, declined or declared void
- Have not been convicted of any criminal offence (other than motoring offences)
- Be over 18 years old
The property must:
- not be used for any trade, professional or business purposes other than clerical work
- not be a weekend/holiday or second home
- not be lived in by anyone other than you and your family
- not be left unoccupied for more than 60 days in a row
- not be showing any sign of subsidence or ever had any damage caused to it by subsidence, landslip or heave
- have not been flooded in the last five years
Who is this product not designed to support, or are there any features that you should be aware of when considering this product for your customer?
Customers looking to insure buildings for more than £1m or contents valuing over £100k in total value.
Properties inhabited by paying guests, lodgers or tenants.
Properties with more than 5 bedrooms or those of non-standard construction.
Can this product be sold with or without advice?
This product can be sold with or without advice depending on your preference and in line with FCA regulations.
How can I offer this product to my customer?
This product can be sold face to face, via telephone, or online application.
Optional add-on covers:
In addition to the answers above, the table of responses below applies to the given optional add-on covers which are only available when taken out with a home insurance policy covering either Buildings and/or Contents.
Optional cover What need is met by this product? Who is it designed for? Who is it not designed to support or features to be aware of? Accidental Damage (Buildings) This product is designed to provide financial protection if the buildings are accidentally damaged in the home. Customers who want their buildings cover to include wider protection for accidents. Customers who are not insuring their Buildings under the Home insurance policy. Accidental Damage (Contents) This product is designed to provide financial protection if any contents are accidentally damaged in the home. Customers who want their contents cover to include wider protection for accidents. Customers who are not insuring their Contents under the Home insurance policy. Personal Belongings This product is designed to provide financial protection for loss or damage to personal belongings taken outside of the home. Customers that carry their belongings away from their home, especially high value items, and need protection for them when outside of the home. Customers who are not insuring their Contents under the Home insurance policy. Legal Expenses This product is designed to provide personal legal advice and funding if an event results in a dispute over property, employment, consumer rights, medical and cosmetic procedure negligence, or personal injury.
Individual and joint home owners or tenants, and their families, living at the home address, who are seeking help and advice on a personal legal matter. Any claim where there is not a reasonable chance of the customer winning the case and achieving a reasonable outcome. Any events that occurred before cover was taken out.
Home Emergency This product is designed to provide financial protection against sudden and unexpected events in the home which, if not dealt with quickly, would render the home unsafe or insecure, cause further damage to the home, or cause personal risk. Customers who want to be protected against home emergencies. Tenants where their landlords are responsible for the costs of repairs covered under this policy add-on. Cover is not provided for the main heating system for the first 14 days of cover.
Boilers must be under 15 years old and serviced at least annually to be eligible for claim.
How is the value of this product assessed?
RSA assess the value of our products using quantitative (e.g., metrics) and qualitative information
(e.g., processes and controls), including data from our distributors relating to service and
remuneration, as appropriate.This product has been approved in line with RSA’s product governance processes, including
consideration of:Value of RSA product: This includes: ( i ) Cover whether the level of benefits and relevant
exclusions offers value to customers, (ii) Utility whether the product is being used by the
customers of the intended target market, and (iii) RSA service whether the type and quality of
services being provided is reasonable for customers.Impact of distribution on value: This includes whether distributor remuneration is appropriate and
bears a reasonable relationship to the services provided to our customers. If there are concerns,
RSA will follow up with the relevant distributors to agree remedial action.Based on the assessment performed, we have established that the product is compatible with
the objectives, interests and characteristics of customers of the intended target market and that the
distribution strategy is not detrimentally impacting overall product value. We have therefore
concluded that this product provides fair value to customers.
Home Insurance (RSA)
Underwritten by RSA, Cavere Home Insurance is rated 5 star by the Moneyfacts Group, the independent researcher of financial products in the UK.
With a 300 year heritage, RSA is one of the world’s leading multinational insurance groups.
They have major operations in the UK, Scandinavia, Canada, Ireland, Asia and the Middle East, Latin America and Central and Eastern Europe and the capability to write business in around 140 countries. Focusing on general insurance, they have around 19,000 employees.
Product Downloads
-
Policy Wording
A PDF copy of your full policy terms & conditions
View Download -
Insurance Product Information Document (IPID)
A PDF summary of the policy features
View Download -
Product Information Flyer
Summary product information for selling agents and advisors
View Download
Speak to our business development team
Call for further information on any of our products +44(0) 1904 476090
Book a call back View all products