- British Isles - Great Britain, Isle of Man, Channel Islands, Northern Ireland and the Republic of Ireland
- Buildings - Your Home and its swimming pools, tennis courts, patios, terraces, service tanks, drains, septic tanks, pipes and cables, central heating fuel storage tanks, drives, footpaths, garden walls, hedges, gates, fences, landlords fixtures and fittings within the boundaries of your home.
- Business equipment Computers, keyboards, visual display units and printers, word processing equipment, desk top publishing units, small business's computers, fax machines, photocopiers, typewriters, computer aided design equipment and telephone equipment used for business purposes at your home.
- Company/Us/We/Our - UK Insurance Limited
- Contents - Household goods, personal possessions, satellite dishes, aerials and any other articles that belong to you, or are the responsibility of you, any member of your family who lives with you, domestic staff who live in, or visitors. But not:
- motor vehicles (other than motorised gardening equipment), caravans, trailers, watercraft, hovercraft or aircraft (other than hand propelled or models) and their.accessories (while attached);
- any living creature;
- landlords fixtures and fittings;
- securities (financial certificates such as shares and bonds), certificates and documents except those defined as money;
- property more specifically insured by any other policy; and
- property held or used for any profession, business or employment (other than business equipment).
- Credit Cards - Credit cards, cheque cards, bankers cards and cash cards issued to you or any members of your family who live with you
- Endorsement - An agreed change in the terms of the policy.
- Excess - The amount you must pay towards any claim.
- Your Family - Your husband, wife, civil partner, children, parents and other relatives normally living with you.
- Home - The private home at the address shown in the schedule together with its garages and domestic outbuildings.
- Money - Cash, bank notes, cheques, money orders, postal orders, postage stamps (that are not part of a collection),.savings stamps and savings certificates, share certificates, premium bonds, luncheon vouchers, travellers.cheques, travel tickets, phone cards and gift tokens belonging to you or any member of your family and used or.held for private purposes.
- Period of Insurance - The period shown in the schedule which the policy covers you for (as long as you pay the premium on time).
- Personal Belongings - Clothing and other items designed to be either worn or normally carried belonging to you or your family. But not:
- sports equipment;
- valuables or money:
- contact or corneal lenses;
- household goods or domestic appliances; and
- items held or used for any profession, business or employment.
- Personal Possessions - Valuables, personal belongings and sports equipment.
- Sports Equipment - Articles used for sports activities including sports clothing specifically designed to be used for any sports activity.and belonging to you or any member of your family. But not:
- any vehicle, watercraft (including windsurfers and surfboards), aircraft (including hang-gliders, powered or .otherwise), or their accessories; or
- items held or used for any profession, business or employment.
- Uninsurable Risks (risks we do not insure)
- wear and tear and reduction in value;
- damage caused by rot, fungus, woodworm, beetles, moths, insects or vermin;
- mechanical or electrical faults or breakdowns;
- damage caused by cleaning, dyeing, renovating, altering, re-styling, repairing or restoring an item or items; or
- any other damage caused gradually.
