Sheilas' Wheels Building and Contents Insurance

Insurance Product Information Document

Company: esure Insurance Limited Product: Home Insurance
esure Insurance Limited (trading as Sheilas' Wheels) registered in England and Wales no.3885534 at The Observatory, Reigate,
Surrey, RH2 0SG, and are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and
the Prudential Regulation Authority, no. 203350.

This Insurance Product Information Document is a summary and full details of the terms and conditions are in the policy booklet.
The Schedule will show the information given to us by you, on which your quotation is based and the cover you have chosen.

What is this type of insurance?

This product is designed to meet the demands and needs of those who wish to ensure that in the event of loss or damage to
Buildings and/or Contents, cover will be in place and if chosen, Accidental Damage, Personal Possessions and Specified Items
cover will also be covered.

What is insured? What is not insured?

Building - Unlimited ✘ Any
amount above the Policy limits as shown in the policy schedule
Your House, the fixtures and fittings, outbuildings (does not include barns, ✘ Your
policy excesses (voluntary and compulsory) as shown on your
caravans, mobile homes, marquees, PVC or any other non-rigid material), policy schedule
garages and greenhouses which were originally designed and now only ✘ When
your house is unfurnished or unoccupied for more than 30 days
used for domestic purposes and are all at the address shown in Your we will not provide cover for: theft or attempted theft, escape of water/
Schedule. Your Buildings/Home also includes any swimming pools, oil/ burst pipes, vandalism and acts of malicious people or contents
permanently fixed hot tubs, hard tennis courts, terraces, patios, driveways, left in the open
footpaths, walls, gates, hedges and fences all within the same site at the ✘ Any
loss or damage caused by vermin, birds, insects or domestic pets
insured address shown on Your Schedule. ✘ Any
extra cost in altering or replacing any items or parts of items
Contents - Household Goods £45,520/High Risk Items £11,380 which are not lost or damaged and which form part of a set, suite or
Covers your household goods and high risk items while in your home. other article, of the same type, colour or design including wall or floor
coverings
The following sections apply to buildings and contents cover: ✘ L oss or damage caused by wear and tear or as the result of lack of
✓ Fire /smoke ✓ Impact maintenance
✓ Theft or attempted theft ✓ Breakage or collapse of TV ✘ Loss
or damage caused by overflowing from wash basins, sinks,
aerials, radio aerials, aerial bidets, showers and baths as a result of the taps being left on
✓ Storm or flood
fittings ✘ Loss
of or damage to freezer contents if the freezer is more than 10
✓ Lightning/Thunderbolt/
✓ Aircraft & other airborne devices years old
Earthquake
or articles dropped from them ✘ Loss
or damage caused by theft or attempted theft while you and your
✓ Explosion
✓ Falling trees or branches household are away from the home unless force and violence is used
✓ Subsidence or Heave of the site to enter or leave your buildings
on which your buildings stand or ✓ Riot, civil commotion, labour &
political disturbances, vandalism ✘ Loss
or damage to gates, hedges or fences caused by storm or flood
Landslip
and acts of malicious people ✘ Loss
or damage caused by failure or lack of appropriate sealant and/
✓ Escape of water/Oil /Burst pipes
or grout
The following sections apply to buildings cover: ✘ W e will not pay for loss of or damage to soakaways, drainage fields
✓ Glass & sanitary ware ✓ Your liability as the owner of your or field drains.
✓ Underground services previous home ✘ We will not pay for loss or damage to pedal cycles if the cycle was not
✓ Alternative accommodation & rent ✓ Emergency entry in a locked building or securely locked to a fixed object, or if
left in a communal area.
✓ Sale of your home ✓ External door locks
✘ Loss or damage caused by any person who is in your home with your
✓ Professional fees, clearance costs ✓ Trace and access permission.
& local authority requirements
✘ Any loss or damage caused by escape of water from guttering, rainwater
✓ Your liability as the owner of your home downpipes, roof valleys, gullies and overflows
The following sections apply to contents cover: ✘ Any loss or damage electronic data which includes but not limited to
✓ Contents in Your garden ✓ Domestic staff – your liability as downloaded files, pictures, websites and music
✓ Contents which are temporarily their employer
✘ Loss or damage caused by water entering your home other than by
removed from the home ✓ Your liability as a tenant storm or flood.
✓ External door locks ✓ Deeds and documents
✓ Metered water, oil or liquid ✓ Special events
petroleum ✓ Visitors' personal effects Are there any restrictions on cover?
✓ Mirrors and glass ✓ Freezer and refrigerator contents ! Any endorsements as shown on the policy Schedule
✓ Alternative accommodation and ✓ Household removal ! Any property owned or used totally or partly for business purposes or in
rent connection with any employment (except property defined in the policy
✓ Students contents/nursing home
✓ Fatal accident benefit booklet as office equipment)
✓ Personal liability and your liability ! Any high risk item(s) or household good(s) as defined in the policy
as occupier of your home booklet with a replacement cost of £1,500 or more must be added as
a specified item. You will not be able to claim under any section of this
We will also provide cover for the following if chosen and shown
policy if the item with a replacement cost of £1,500 or more has not
on your Schedule: been specified
Accidental Damage -
! Any pedal cycle (including accessories) with a replacement cost of
Single, sudden, unexpected and physical damage, which was not deliberate.
more than £500 must be listed as a specified item. You will not be able
Personal Possessions – £2,280 to claim under any section of the policy if the pedal cycle (including
Cover away from your house for items with a replacement cost of up to accessories) has a replacement cost of more than £500 and is not
£1,499 or pedal cycles (inc. accessories) up to £500. listed as a specified item
Specified Items - £3,870 ! The house must be built of Brick, stone or concrete and roofed with
Cover for items with a replacement cost of £1,500 or more or pedal cycles slate, tile, asphalt or concrete.
€9e*I+a5e"BIa)TX Ja+
(inc. accessories) with a replacement cost of more than £500. ! Any unattended specified pedal cycle must be €)!%Ea j&-R x=W)>cV
locked to a fixed object when outside your €QAP>+/dNX$SjC7W_4+ 7 of 14
House q1Q1qQQQqQ11Q1QQQ1Q
 Where am I covered?
✓ Building cover: At the address shown in your Schedule
✓ Contents cover: All household goods and high risk items that are kept at the risk address shown in your Schedule
If chosen:
Personal Possessions cover: while temporarily removed from your home to anywhere in the United Kingdom and for up to 60 consecutive days anywhere in
the rest of the world.
Specified Item cover: while temporarily removed from your home to anywhere in the United Kingdom and for up to 60 consecutive days anywhere in the rest
of the world.

What are my obligations?

• You must take reasonable care to ensure information provided or confirmed to us before you enter into, vary or renew your policy is accurate and not
misleading
• You also have a duty to ensure that all your household goods, high risk items, personal possessions and specified items are insured for the full replacement
cost as new at all times
• When any of the information shown in your Schedule changes you must let us know.
• You and your household must keep your buildings and contents in a good state of repair and do all you reasonably can to avoid any accident, theft, loss or
damage and to prevent any further loss or damage arising as a result of an event covered by this policy
• In the event of a claim call us as soon as possible to prevent further damage and cooperate with us and our suppliers to manage your policy and settle any
claim made
• To pay your premium, which is due on the agreed dates
• To comply with the policy's terms and conditions

When and how do I pay?

You can make a one off payment at the point of accepting our quotation for insurance, or you can pay a deposit at the point of accepting our quotation for
insurance and then pay the balance plus interest by monthly instalment. You will need to input your credit or debit card details when accepting our quotation
for insurance.

When does the cover start and end?

Your chosen start date 28/06/2022
Your policy end date 28/06/2023

How do I cancel the contract?

You can cancel your policy at anytime. Please contact our Customer Service department on the telephone number that can be found on your latest
insurance schedule or back of your policy booklet.
l If you wish to cancel the policy before the date your policy starts, you will receive a refund and no fee will be charged.
l If you have not made a claim and decide to cancel this policy within 14 days from the date you receive your policy or the date your policy starts
whichever is the later, we will refund the premium paid less a fee.
l If you have not made a claim and wish to cancel your policy after the 14 day cooling off period, we will charge you for the days we have provided
cover to you and any fees applicable.

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