Guide to cover provided and rates for 2017/2018
Premium £1.10 per £1000
1 Fire Explosion & Lightning
2 Storm (excludes damage to fences and aerials/satellite dishes, limit applied to felt roof)
3 Aircraft or articles dropping there from.
4 Malicious Damage (except if home unoccupied more than 30 days)
5 Damage caused by escape of water (£250 claim excess in addition to any voluntary)
6 Impact by vehicles or animals
7 Falling trees ( excluding damage to gates, fences, hedges)
8 Flood/water Damage, excludes cover for properties in High Water Level areas
9 Subsidence (£2000 claim excess applies)
10 Accidental Damage
Premium £1.10 per £1000
Damage caused by:
Fire Explosion & Lightning
Malicious Damage (no cover if home is unoccupied more than 30 days)
Damage caused by escape of water
Additional cover on contents of freezer (subject to the freezer being less than 10 years old) and loss not due to industrial action or deliberate restriction by the supply authority
£250 sum insured automatically covered, this can be increased if this amount is not sufficient.
THEFT OF CONTENTS
Premium 75p per £1000
Theft must be accompanied by forcible entry or exit Theft must be accompanied by forcible entry or exit. Theft from a vehicle is limited to a total amount of £1500.
Premium £1.50 per £1000
PERSONAL & PUBLIC LIABILITY
Liability cover up to £2,000,000
No additional premium
ALTERNATIVE ACCOMMODATION or LOSS OF RENT (for properties rented out)
Premium £1.10 per £1000 – to a maximum of 20% of the insured value of the buildings or contents.
The cost of alternative accommodation or loss of rent if the Insured premises are deemed uninhabitable due to damage caused by any of the insured risks.
No additional premium for cycles valued below £1000 each, over this value can be charged as an All Risk item.
Details, Make, Model and value is required.
Premium £1.00 per £100
Unspecified Items/ Specified Items:-
Under the unspecified section (items with a value not exceeding £1500 for each item, the total sum insured to represent the maximum total sums insured for this section. An item with a value exceeding £1500 must be specified separately and for jewellery items with a value exceeding £2000 a valuation will be required.
Firearms and invalid carriages must be specified.
Policy Claim Excess £100 Subsidence Excess £2000 Water Damage Excess for buildings £250 (policy and water excess would also include any voluntary excess on the policy schedule)
La Fraternelle Home Insurance can include many discounts for their policies
• No Claim Bonus
• Age 50 plus
• Current States Employees
• Retired States Employees Assoc
• Civil Service Association
• Board of Health Employees
• Foresters Friendly Society
• States House Tenant
• Northern Bowling Association
• Cricket Umpires Association
• Guernsey Swimming Club
• Cimandis Employees
• R G Falla
• Northern Trust Staff Members
• Royal Bank of Canada
• RBS International Employees
• NatWest Employees
• Gsy Private Residential Landlords Assoc
• Credit Suisse Employees
• Carey Olsen & Subsidiaries Employees
• Investec Employees
• Isle of Sark Shipping Employees
• Bank of Butterfield Employees
• Skipton Employees