Home & Contents

POLICY SUMMARY

Note that this Product Summary does not contain the full terms and conditions of the non-investment insurance contract, which are found in the Policy Document.
Insurance Provider This insurance is provided by AIG Europe (UK) Limited and underwritten by Landmark Insurance Company. AIG Europe (UK) Limited is an appointed representative of Landmark Insurance Company Limited. Landmark Insurance Company Limited is authorised and regulated by the Financial Services Authority.
Purpose of the Insurance This insurance is suitable for high value householders and covers either House, contents, art and personal belongings, or Contents, art and belongings only
Key Product Features, Benefits and Exclusions
	Significant Features and Benefits	Policy Limits and Exclusions – unless additional cover has been purchased		Policy Reference
HOUSE	Guaranteed reconstruction of buildings	Where assessed by AIG Private Client Group (PCG) and except Grade 1 listed buildings		Part II - Property Page 8
	Accidental Damage Cover
HOUSE AND CONTENTS	Worldwide all risks cover	- 10% of Sum Insured for items in commercial storage unless we have been notified		Part II - Property Page 10
	Contents automatically covered at up to 50% of main building sum insured	Subject to the following inner limits:		Part II - Property Special Limits of Liability Page 9
		- Money, bankers drafts etc	£5,000
		- Sailboards, surfboards and water craft	£5,000
		- Trailers	£3,000
		- Outdoor items	£5,000
		- Fine Arts	£50,000
		- Jewellery	£5,000
		- Furs	£5,000
		- Guns	£5,000
		- Items of precious metals	£10,000
		- Stamps, coins, medals	£5,000
		- Deeds, securities, accounts	£5,000
		- Fragile items	25,000
FINE ART AND VALUABLES	Worldwide all risks cover	- There are no unusual exclusions or limitations in our fine art and valuables section		Part III - Fine Art and Valuables Exclusions Page 17
	Up to 20% of sum insured for new acquisitions for a period of 60 days
	Nil excess for Fine Art

Key Product Features, Benefits and Exclusions continued

FINE ART AND VALUABLES	Agreed value for scheduled items of Fine Art and valuables	Part III - Fine Art and Valuables Exclusions Page 17
	Cover for Defective Title up to £25,000	Part III - Fine Art and Valuables Exclusions Page 17
	Cover for Restoration and Depreciation
	Full terrorism cover provided in most circumstances
Period of Insurance The period of insurance normally covers 365 days and is stated in your policy schedule. Please speak to your insurance broker if you require a different period.
Your Right of Cancellation Cancellation You can cancel the Policy or any part of it at any time by notifying us in writing of the future date that the cancellation is to take effect. If you have not made a claim during the Policy period, we will refund the proportion of any premium you have paid for the period of the insurance remaining. Cooling off period If this cover does not meet your needs, you may return this policy and schedule to us within 15 days of receipt of the policy or the start date of cover, whichever is later, to AIG Private Client Group, The AIG Building, 58 Fenchurch Street, London EC3M 4AB. We will give you a full refund of any premiums paid within 30 days from the date we received notice of cancellation from you, except where a claim has been made by you within the 15 days that results in the policy being terminated. If the premium is paid by direct debit, you must ensure the relevant bank or building society is instructed to stop making payments.
Making a Claim You may make a claim on this Policy by - Notifying your Intermediary, or - Notifying us directly on our Claims Reportline 0870 850 0178. The Reportline is open 24 hours a day, 365 days a year.

Your Right to Complain

Every effort is made to ensure you receive a high standard of service. If you are not satisfied with the service you have received, you should contact:-

Customer Relations Manager

AIG Europe (UK) Limited

2-8 Altyre Road

Croydon

CR9 2LG

Email: uk.customer.relations@aig.com

To help us to deal with your comments quickly, please quote your Policy/Claim Number and Policyholder/Insured Name.

We will do our best to resolve any difficulty directly with you, but if we are unable to do this to your satisfaction you may be entitled to refer any dispute to the Financial Ombudsman Service who will review your case. The address is:

Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London

E14 9SR

Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Further information about compensation scheme arrangements is available from the FSCS.

AIG Europe (UK) Limited

The AIG Building, 58 Fenchurch Street, London EC3M 4AB

Tel: +44 (0)20 7954 7000

Fax: +44 (0)20 7954 7001

AIG Europe (UK) Limited and Landmark Insurance Company are member companies of American International Group, Inc. (AIG).