Products & services

Age Concern  Home Insurance includes the following features and benefits‚ which are explained in detail in your policy booklet.

Cover	Buildings	Contents	Standard policy limits
Buildings		-	The maximum claim limit shown on your policy schedule
Trace and access source of leak for escape of water and escape of oil causes		-	£5‚000
Property owner's liability		-	£2 Million
Contents	-		The maximum claim limit shown on your policy schedule
Maximum claim limit for any valuable	-		£2‚000
Valuables in the home	-		1/3 of the Contents maximum claim limit
Money	-		£500
Credit Cards	-		£1‚000
Freezer food	-		£1‚000
Public and personal liability	-		£2 Million
Unpaid damages	-		£2 Million
Tenant's liability	-		20% of the maximum claim limit for Contents shown on your policy schedule
Loss or damage to Contents during removal	-		Up to the maximum claim limit for Contents shown on your policy schedule
10% increase in the maximum claim limit for religious festivals‚ birthdays‚ family wedding and civil partnership ceremonies.	-		Up to the maximum claim limit for Contents shown on your policy schedule
Counselling Fees	-		£1000
Garden Cover	-		£750
Accidental breakage to audio and visual equipment‚ DVD equipment‚ glass‚ mirrors and personal computers	-		Up to the Buildings or Contents maximum claim limit shown on your policy schedule
Fraudulent Use of Credit Cards	-		£1000
Carer's Contents	-		£250
Items covered whilst living in a nursing home‚ residential care home or staying with family or friends.	-		Up to 20% of the maximum claim limit for Contents shown on your policy schedule
Medical Equipment on Loan	-		£5000
Accidental damage to wheelchairs and stairlifts in the home	-		Up to the maximum claim limit for Contents shown on your policy schedule
Rent and alternative accommodation			20% of the Buildings and/or Contents maximum claim limit shown on your policy schedule

Optional covers available

Cover	Buildings	Contents	Standard Policy Limits
Accidental damage to Building and Contents			Up to the Buildings or Contents maximum claim limit shown on your policy schedule
Unspecified Personal Belongings	-		Your choice
Specified Personal Belongings	-		Your choice
Pedal Cycles	-		Your choice
Personal Legal Protection			£50‚000
Static Caravan			Your choice
Touring Caravan			Your choice

Main exclusions

Cover	What is not insured
Buildings	Storm or flood loss or damage to gates‚ hedges or fences. Subsidence caused by settlement unless the settlement is caused by subsidence of the site on which the buildings stand.
Contents	Theft or attempted theft when your home or any part of it is lent‚ let or sublet to or occupied by someone who is not a member of your family‚ unless force causing damage to the main building of the home was used to get in or out of the building
Accidental Damage Extensions	Damage caused or resulting from chewing‚ scratching‚ tearing or fouling by domestic animals or pets. Damage caused by or resulting from wet rot or dry rot or other gradual causes.
Unspecified Personal Belongings extension	Any amount over £1‚000 for theft or disappearance of property from unattended locked motor vehicles. Loss or damage caused to dentures whilst being used for eating and to crowns‚ caps or fillings in teeth.
Specified Personal Belongings extension	Any amount over £1‚000 for theft or disappearance of property from unattended locked motor vehicles. Loss or damage caused by theft or attempted theft from an unlocked hotel room‚ motel room‚ bed & breakfast bedroom or other similar temporary lodging.
Pedal Cycles extension	Cuts‚ bursts or punctures to tyres. Theft or attempted theft of an unattended pedal cycle away from the home unless the pedal cycle is either in a locked building or secured by a suitable chain and padlock (or cycle lock) to a post‚ cycle rack or immovable object.
Personal Legal Protection	Costs and expenses before DAS Legal Expenses Insurance Company Limited accept a claim in writing.
Static Caravan	Malicious damage caused to television sets (and their aerials)‚ satelite receivers or decoders‚ radios‚ audio equipment‚ video recording equipment‚ DVD players or desk-top computers when your caravan is unoccupied or while the caravan site is closed.
Touring Caravan	Loss or damage caused by the caravan being stolen at any time‚ unless it is fitted with a hitchlock or wheelclamp which is working properly.
General policy exclusions applicable to all sections and extensions	Property more specifically covered by another policy of insurance. Any criminal or deliberate act by you or your family.

How to buy

• Call 0845 600 3243 (please quote ref: ALL 721)
  
  Lines are open 8am-8pm Monday to Friday‚ 9am-5pm Saturdays. 
  
• Visit your local trading Age Concern**
  

If you call the 0845 number above for home insurance‚ you will be dealing with Fortis Insurance Limited‚ which provides and manages Age Concern Home Insurance.

Written quotations available on request.
** Not all Age Concerns offer all Age Concern products. Please check (by telephoning your local office) before arranging a visit.

If you contact an Age Concern office‚ you will be dealing with an Appointed Representative of  Age Concern Enterprises Ltd (ACEnt).

ACEnt and Fortis Insurance Limited are each authorised and regulated by the Financial Services Authority for insurance mediation and are not in the same group of companies.

Ref: H1217V1MAR08