Introduction to Your policy

This document, which is Your insurance policy wording, contains important informaon to help You understand this insurance and choose the cover You need. This is an original wording. No part of this publicaon, or any variaon of it, may be reproduced, stored in a retrieval system or transmied in any form, or by any means, without prior permission in wring of Residentsline - it is an offence to do so and legal acon will be taken.

It is very important that You read this Policy carefully and make sure You are sasfied with this insurance.

What makes up this policy?

This Policy and the Schedule must be read together as they form Your insurance contract. This Policy sets out what You are insured for and those circumstances where You will not be insured.

Some words and expressions have been given a specific meaning in this Policy and You will find their meaning under Definions herein. These specific meanings only apply to these words when they begin with a capital leer.

Important: Somemes We need to change the wording of Your Policy because the insurance varies depending on a number of factors. We do this by adding what is called an Endorsement.

What You should read

To understand the features, benefits and risks of this insurance and to determine if it is appropriate for You, it is important that You read: a. Introducon to Your policy; i. what makes up this policy ii. claims noficaon; what You must do, and what You must not do iii. cancellaon condions – how Your policy may be cancelled iv. Complaints / Compensaon v. privacy noce b. Policy wording - Residenal Flats Insurance; c. the relevant Statement of Fact when issued to You; d. any schedule when it is issued to You; and, e. any other documents We may give You that vary our standard terms of cover set out in this document.

These documents should be read carefully together. It is important that they are kept in a safe place.

Renewing Your policy

When We invite renewal of the policy Residentsline will endeavour to tell You at least 21 days before the expiry of the policy the premium and terms and condions that will apply for the following year.

When renewing Your insurance with Us You are reminded to take appropriate steps to ensure accurate and up-to-date informaon is given and any alteraons to the property, Your circumstances, or changes to Your claims or insurance history, are nofied to Us in order that a fair presentaon of the risk, as set out in the Insurance Act 2015, is provided.

Important Notice

You have a duty to make a fair presentaon of all material facts and circumstances to us. Providing Us with inaccurate informaon or failing to tell Us of anything which may increase the risk may invalidate this Policy or lead to claims not being paid or being paid in part only. To assist Your understanding of which facts and circumstances are material to us, here are some key examples: ♦ Who You are – the legal enty that owns the business ♦ Business status – sole proprietor, partnership, limited liability partnership or a limited company ♦ Business premises – the type of construcon, security protecons and also rebuilding or replacement values of the property ♦ What You do – the descripon of the business as shown on the schedule ♦ Personal and business history – the previous history relang to proprietors, partners or directors or their business that is provided to Us e.g. previous bankruptcies, company liquidaons, convicons, claims etc. Other material facts will be shown on the statement of fact or proposal form. If You are in any doubt or require clarificaon of what must be declared to Us, please discuss this with Residentsline or Your agent.

This Policy does not cover maintenance of Your property. That means We will not pay for the cost of Wear and Tear or roune maintenance. We expect You to properly maintain Your property, but the cost of this remains Your responsibility. You have a duty to keep Your property safe, secure and in good repair, and take all praccal steps to avoid loss or damage. You should also take all reasonable care to prevent accidents or disease. In parcular You should: ♦ keep all work equipment and premises in good and safe condion ♦ exercise care in the selecon and management of employees; ♦ comply with all statutory obligaons and regulaons imposed by any authority. In addion, You should take all reasonable care to prevent the sale or supply of goods which are defecve in any way.