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Property Insurance Turkey Key Facts
This is a summary and does not contain the full terms and
conditions of the cover, which can be found in the policy booklet.
It is important that you read the policy booklet and schedule
carefully when you receive them. One policy booklet covers all
sections of this policy.
Name of the Property Insurance Turkey undertaking
The Insurer of all sections of this policy, other than as noted
immediately below, is Lloyds of London Insurance Limited.
Lloyds of London Insurance Limited is authorised and regulated by
the Financial Services Authority.
Type of Property Insurance Turkey and Cover
The Intasure second Homes Insurance Policy provides cover for
buildings and/or contents. Sections are provided for Buildings,
Contents, Valuables and Personal Effects (optional).
Note: In certain circumstances the cover provided may be different to our standard conditions.
All Sections: Property Insurance Turkey
Property Insurance Turkey - Significant Features and Benefits
- Free 24 hour helpline
- £5m public liability
- Covers loss of rent following a claim
- Protect valuables on a new for old basis
Property Insurance Turkey - Significant and unusual exclusions or limitations
You must comply with conditions of the policy explained in
the General Conditions Section of the policy booklet for
cover to apply. These include your duty to take reasonable
precautions to prevent loss and actions you must take as soon
as you are aware of a possible claim under the policy.
See also the General Exclusions Section of the policy booklet for
those exclusions that apply to all Sections.
- You will have to pay the first part of most claims - this
is known as an 'excess'. The standard policy excess is
£50 although this can be increased in order to obtain a
premium discount.
- Certain losses or damage if any endorsement/clause is
shown on your policy schedule - e.g. theft cover may
be restricted under the Contents Section unless certain
security measures are in force.
- Damage caused by chewing, scratching, tearing or fouling
by domestic animals.
Buildings Insurance Section See Section 1 of the policy booklet for details.
Buildings Insurance - Significant Features and Benefits
Cover is provided for an extensive list of perils such as fire,
storm, flood, theft, etc. - see policy booklet.
In addition cover is provided for:
- alternative accommodation or loss of hiring charges
following an insured loss
- accidental damage
- damage caused by emergency access
- costs of tracing and accessing leaks (up to £1,000)
- the buyer when you are selling your home
- your legal liability as owner of your home.
Turkish Property Buildings Insurance - Significant and unusual exclusions or limitations
- Damage by wet or dry rot.
- Certain losses or damage when your home is unoccupied or unfurnished for more than 30 days in a row - this only
applies when you have failed to comply the un occupancy clause HH914 (see shaded box opposite).
- Theft or malicious damage caused by persons lawfully in the home.
- Liability as occupier of your home but this can be insured under the Contents Section
- Damage due to a fault or limit of design, manufacture or installation. In particular there is no cover for damage to
underground services that do not work because they are worn out.
- The cost of replacing any undamaged items, which form part of a set, suite or item of a uniform nature.
- Loss or damage to your buildings from any cause not listed in the policy booklet.
Contents Insurance Section See Section 2 of policy booklet for details.
Property Insurance Turkey - Significant Features and Benefits
Cover is provided for an extensive list of perils such as fire,
storm, flood, theft, etc. - see policy booklet.
In addition cover is provided for
- accidental damage
- contents temporarily removed from the home
- contents in outbuildings (limited to £2,500 for theft)
- garden ornaments and furniture (up to £750)
- replacement locks if keys are lost or stolen (up to £250)
- spoilage of food in freezers (up to £500)
- loss of domestic fuel and metered water (up to £750)
- pedal cycles (up to £250)
- personal effects (£500) and personal money (£100) away from the home
- your liability as occupier, employer, tenant and in a personal capacity
Property Insurance Turkey - Significant and unusual exclusions or limitations
- No cover is provided for boats, boards or water craft of
any kind
- No cover is provided for items used for business or professional purposes
- Certain losses or damage when your home is unoccupied
for more than 30 days in a row (see HH914)
- Theft or malicious damage caused by persons lawfully in the home
- Theft whilst the home is lent or let unless involving
forcible and violent entry to or exit from the home
- The cost of replacing any undamaged items, which form
part of a set, suite or item of a uniform nature
- Theft of pedal
cycles unless in a building or securely locked to an immovable object
- Theft of contents temporarily removed from the home,
unless by somebody using force and violence to break into a building
-
Loss or damage to your contents from any cause not listed in the policy booklet
HH907 Property Insurance Turkey - Security Endorsement (Standard)
We will not pay for loss of damage unless:
- Whenever the Home is left unattended
- The final exit door is fitted with a mortice lock
or cylinder rim lock conforming to BS3621 (for
properties located in the UK only) or suitable local
equivalent and is in operation.
- All other external doors (excluding patio doors) and
any access doors from adjoining or integral
garages are fitted with either:
- a mortice deadlock or cylinder rim lock
conforming to BS3621 (for properties located in the
UK only) or suitable local equivalent
or
- security bolts fitted top and bottom in addition to
any existing block and are in operation.
- Sliding patio doors are fitted with either:
- key-operated sliding door locks top and bottom
or
- deadlock securing into the frame operated by an internal handle
or
- any internal patio door lock, or key operated lock mounted internally on the centre rails and are in operation.
- All ground floor, basement and accessible upper floor windows are fitted with lever operated window locks
or
shutters securely locked internally or metal grilles embedded into the wall and are in operation.
* Please download Summary for full details.
Turkish Property insurance - Underwritten by:
Lloyds of London. Authorised and regulated by the Financial Services Authority.
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Download Policy Details PDF