What the Swift Cover buildings insurance policy covers :
1. Architects fees / Debris clearance
Following a valid claim for damage under Buildings
Causes below we will also pay:
– Architects surveyors consulting engineers and legal fees but not Fees for preparing a claim;
– The cost of clearing debris from the site or demolishing or shoring up the Buildings;
– The cost to comply with government or local authority requirements but not if the order predates the loss or damage.
2. Emergency services forced entry
Loss or damage to the Buildings caused when the fire, police or ambulance service has to force an entry to the Buildings because of an emergency or perceived emergency involving you or your family.
3. Moving Home
If you have entered into a contract to sell the home, the person buying it will have the full protection of your policy for the Buildings up to the date of completion of the purchase, as long as the home is not covered by any other insurance.
4. Trace and access
We will also pay for any one claim for necessary and reasonable costs that you incur in finding the source of damage to the home caused by:
– Escape of water from a fixed water, drainage or heating installation;
– Escape of oil from a fixed oil fired heating installation;
– Accidental damage to cables, pipes, underground drain pipes or tanks providing services to and from the home.
This includes reinstating any wall, floor, ceiling, drive, fence or path removed or damaged during the search
Not covered :
– Loss or damage to pitch fibre drains caused by inherent defects in the design,
material, construction or installation of the pipes and drains
– The cost of repair of the source of the damage unless the cause is covered
elsewhere in this policy
5. Keys & locks
If your keys are lost or stolen we will pay for any one claim for the cost of replacing keys and locks or lock mechanisms to:
– External doors and windows of the home (but not to a garage or outbuilding);
– A safe within the home;
– An alarm protecting the home.
6. Alternative Accommodation
We will pay you for any one claim for the reasonable cost of alternative accommodation for you, your family and your domestic pets when your home cannot be lived in due to loss or damage from any of the causes below.
7. Property Owners Liability
We will pay you (including costs and expenses agreed by us in writing) for any one claim or series of claims arising from any one event or one source or original cause that you or your family become legally liable to pay as compensation (including claimants costs and expenses) occurring during the period of insurance in respect of accidental:
– Death, bodily injury or illness of any person who is not an employee of either you or your family;
– Damage to material property not belonging to or in the custody or control of you or your family or domestic staff.
Arising from:
– Your ownership (but not occupation) of the Buildings;
– Defective work carried out by you or your family or on your behalf to any private residence within the United Kingdom disposed of by you or your family before the occurrence of bodily injury or damage in connection with such private residence.
In the event of your death we will treat your legal representative as you for liability incurred by you
What is not covered :
Your legal liability to pay compensation arising directly or indirectly from:
– An agreement which imposes a liability on you which you would not be under in the absence of such agreement;
– The use of the home for any business, trade, profession or employment;
– Death, bodily injury or damage caused by lifts, hoists or motorised vehicles or craft;
– Rectifying any fault or alleged fault.
Swift Cover buildings insurance covers the following causes :
1. Storm or flood
Exclusion:
– To gates, hedges and fences;
– To drives, patios and paths unless your home has been damaged at the same time and by the same cause;
– By storm to radio or television aerials or satellite dishes.
2. Sudden and unexpected water leaking from or freezing in any washing machine, dishwasher, fridge, freezer or plumbed in domestic water or heating installation
Exclusion :
– Caused by wet or dry rot or any other cause that happens gradually over a period of time;
– To the fittings / installation / appliances themselves is only covered if the damage has happened as a result of an insured cause or cover;
– While your home is unoccupied or unfurnished;
– That happens gradually over a period of time.
3. Theft or attempted theft
Exclusion:
– While your home is unoccupied or unfurnished;
– Caused by you, your domestic employees, lodgers, paying guests or tenants.
4.Oil leaking from or freezing in a fixed oil-fired heating installation, including smoke and smudge damage by vaporisation due to a defective oil-fired heating installation and damage to soil caused by the leaking oil.
Exclusion :
– To the installation itself is only covered if the damage has happened as a result of an insured cause or cover;
– While your home is unoccupied or unfurnished.
5. Fire, smoke, explosion, lightning or earthquake
Exclusions :
Smoke damage caused by smog, agricultural or industrial operations or anything that happens gradually from repeated exposure.
6. Subsidence or ground heave of the site on which the building stands or landslip
Exclusion :
– To boundary and garden walls, gates, hedges and fences, paths and drives, patios, tennis hard courts and swimming pools unless the home has been damaged at the same time by the same cause;
– Due to normal settlement, shrinkage or expansion;
– To or as a result of movement of solid floor slabs and non-load bearing walls, unless the foundations beneath the external walls of the home are damaged at the same time by the same cause;
– Resulting from construction, structural alteration, repair or demolition;
– Caused by coastal or river bank erosion;
– Arising from the use of defective materials, defective design or faulty workmanship
7. Malicious acts or vandalism
Exclusion :
– While your home is unoccupied or unfurnished
– Malicious damage caused by you or your family or any person that has been allowed into the home
8. Riot, civil commotion, strikes, labour and political disturbances.
9. Collision by aircraft, aerial devices, road or rail vehicles (or anything dropped from them) or animal.
Exclusion :
– Caused by your domestic pets.
10. Fallen trees or branches
Exclusion :
– Caused during tree felling, lopping or topping.
– The cost of removing fallen trees or branches that have not caused damage to the Buildings.
11. Breakage or collapse of Aerials, satellite dishes telegraph poles or electricity pylons
Exclusion :
– Damage to the aerial or satellite dish.
