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Policy Type

Tenants Contents

Key Documents

Policy Wording	Information Document
Terms & Conditions

HOW WE WILL USE YOUR INFORMATION

Please ensure you read the terms and conditions before continuing.

Paragon Advance are authorised and regulated by the Financial Conduct Authority. We are an intermediary and work on a non-advised basis, which means that we will provide details of our policy for you to make your own recommendation. All questions should be answered fully and correctly to the best of your knowledge and belief. Failure to disclose any fact may result in the insurance being declined or void. The insurance is underwritten by City & Commercial Insurance Company (PCC) Limited re Avonbridge Cell and we may receive a commission for introducing customers to them.

We will use your information to assess your insurance quotation and the terms on which cover may be offered. We may exchange your information with our underwriter City & Commercial Insurance Company (PCC) Limited re Avonbridge Cell. We are committed to protecting your privacy and we will only use the information we collect about you lawfully, in line with UK GDPR legislation. You can read our full Privacy Policy here.

ABOUT YOU

Correspondence Postcode

This is your address not the property to be insured

Address Line 1

Address Line 2

Town

County

Country

Title:

First Name:

Surname:

Company Name: (Please complete if the property is owned by a company)

Date of Birth:

Email Address:

Please confirm your Email Address:

Please provide a password to access your quotes.

Will be case sensitive

Must be a minimum of 8 characters

Must be less than 50 characters

Must contain a mixture of alpha and numeric characters

Can contain any of the following symbols (~!?@$%^&*()_+-=[]{}:;£#<>)

Please confirm your password again

Phone Number:

Mobile Number:

Do you want to add more proposers to this policy?

ABOUT YOUR HISTORY

Have you and/or your joint proposer(s) been subject to any declaration of bankruptcy or involved in a company insolvency or liquidation?

Have you and/or your joint proposer(s) been convicted of any criminal offence (other than motoring offences) that are not spent under the Rehabilitation Act, or is there any prosecution pending?

Please give further details of any convictions

Have you and/or your joint proposer been refused any insurance or had any special terms imposed?

How long have you and/or your joint proposer had contents insurance?

Have you and/or your joint proposer(s) sustained any loss or damage or had any claims during the last 3 years whether accepted or not?
You should include any incidents that resulted in damage to the property, items being stolen or injury to other people. You should include these incidents whether or not you made a claim, and whether or not you were paid for that claim.

ABOUT THE INSURED PROPERTY

Risk Postcode

Flat

House No/Name

Street

Town

County

What is the type of property to be insured?

Is the property self contained having a separate entrance under your sole control (this excludes communal areas)?
i.e. does your property have its own front door.

Is the garage of the coach house let, lent, shared or sublet by anybody other than yourself?

Is there any aspect of flying freehold?
A flying freehold exists when one part of a property extends over, or under a neighbouring property.

How many bedrooms does the property have?
This includes any room originally built to be a bedroom even if now used for other purposes

Is the property used for business purposes (other than clerical or office work)?

ABOUT YOUR OCCUPANCY

Insurance is provided subject to the property being let on an assured shorthold tenancy agreement

Is the property likely to be left unoccupied for more than 30 consecutive days?

ABOUT YOUR COVER

Do you wish to include accidental damage cover?
This is additional cover that protects you in the event of sudden and unexpected damage. I.E. if you drop your mobile phone on the floor at the risk address and crack the screen, or spill red wine on your sofa.

How much would it cost to replace the entire contents of your home as new (this is the sum insured amount) (min £5,000 and max £50,000)?
If your contents are underinsured then you are at risk of having claims paid on a pro-rata basis to the true sum insured or not at all. Contents includes carpets, whether fitted or not, household goods, furniture and furnishings.

Is the replacement cost of all your high risk items collectively more than 20% of the sum insured on contents?
High risk items are any collections of stamps, coins, medals, banknotes or other collectable articles, articles made of gold, silver, precious metals or precious stones, audio and audio visual equipment, clocks, computer equipment, jewellery, watches or furs, photographic equipment, binoculars, telescopes, pictures, paintings, other works of art, portable musical instruments, sculptures, tapestries, rare and unusual figurines, any item valued for its rareness.

Do you have any items from the list which added together exceeds more than 20% of the content sum insured required?

Is the full replacement cost of any one high risk item more than £2,500?
High risk items are any collections of stamps, coins, medals, banknotes or other collectable articles, articles made of gold, silver, precious metals or precious stones, audio and audio visual equipment, clocks, computer equipment, jewellery, watches or furs, photographic equipment, binoculars, telescopes, pictures, paintings, other works of art, portable musical instruments, sculptures, tapestries, rare and unusual figurines, any item valued for its rareness.

Would you like to add cover for your personal possessions taken outside of the home? (min £2,000 and max £5,000, covering a single article up to £1500).
Personal Possessions are items normally used, worn or carried about by you, for example, clothing, jewellery, mobile phones and watches etc. This section covers loss, damage or theft for personal possessions when carried away from home.

Would you like to add cover for your specified personal possessions taken outside of the home?
Any personal belongings that value more than £1,500 need to be specified under this section to cover any loss, damage or theft, when away from home (Proof of value and ownership is required for items over £3,000, and failure to provide such proof may invalidate any claim).

AND FINALLY

If you have been referred by a registered FCC Paragon letting agent, please enter their agency number.

Proposed policy start date

Where did you hear about us?

We may, from time to time, send you information about our products and services which are relevant and helpful. You can change your preference online at any time. Are you happy to receive emails about our products and services.

Policy Type

Tenants Contents

Key Documents

Policy Wording	Information Document
Terms & Conditions

Need Any Help?

Call our insurance department on
02392 315189

Opening Times

Mon	9am - 5.00pm
Tue	9am - 5.00pm
Wed	9am - 5.00pm
Thu	9am - 5.00pm
Fri	9am - 5.00pm
Sat	Closed
Sun	Closed

Or Contact Us

We are authorised & regulated by the Financial Conduct Authority. Our firm reference no. is 304595.

Territorial Limits Great Britain, Northern Ireland, the Isle of Man and the Channel Islands.