This tells you what you need to know about your Important Household Possessions Module subscription. You also need to read the Master Module which tells you other important stuff that affects this coverage module. Words in bold which specifically relate to this coverage module are defined below.
Your Important Household Possessions
| [Autofill Description] | £XXX |
What this important household possessions module does
This coverage module covers your Important Household Possessions up to the amount(s) listed above for theft, accidental loss or accidental damage at your home up to the limits shown above.
We will always try to repair or replace your Important Household Possessions whenever possible.
If an item forms part of a pair or set, we will repair or replace the pair or set but you must return to us any remaining part of the pair or set still in your possession.
Your excess
Your excess for this coverage module is £100. This is the amount of any agreed claim for which you are responsible and we will deduct it from the benefit you receive or require you to pay the amount to us.
What this important household possessions module does not do
This coverage module does not cover:
- Any accidental damage that occurs gradually, including wear and tear, scratching, denting, rot, fungus, mould, infestation, rust or oxidation;
- Misuse, faulty workmanship or design, or the use of faulty materials;
- Mechanical or electrical faults or breakdown;
- Any accidental damage caused by or resulting from repair, maintenance or alteration.
What to do if you need to make a claim
We hope that nothing bad happens to your important household possessions, but if something does you need to tell us as soon as reasonably possible by going to the Claims section of your Zing account.
We know that it can be a stressful time, but it will help if you can use your phone to take photos of the scene of where the accidental damage, accidental loss or theft occurred, and to record anything that you think will help us to quickly and smoothly handle your claim. If you are making a claim for theft, you must also report the loss to the police and obtain a crime reference number.
You can get real help from a real person by going to the Claims section of your Zing account.
How we will settle your claim
We will be in touch with you shortly after you notify us of a claim. You will always be contacted by a real (human) member of our claims team. Wherever it is possible, we will arrange for your important household possessions to be repaired by the retailer from which you originally purchased the item(s), as shown in your Zing account.
If your important household possessions cannot be repaired or you have been the victim of a theft or accidental loss, we will arrange for the item(s) to be replaced with a new item(s) which is as close as possible to the item(s) you originally purchased with a retail price not exceeding the value listed for that item in your Zing account. Wherever it is possible, we will arrange for your important household possessions to be replaced by the retailer from which you originally purchased the item(s), as shown in your Zing account.
Where we do not believe it is possible or appropriate to use the retailer from which you originally purchased the item(s), we may use another specialist repairer or supplier.
Definitions used in this important household possessions module.
Accidental damage means the physical damage of your Important Household Possessions caused by someone else or unintentionally by you.
Accidental loss means the physical loss of your Important Household Possessions.
Coverage module means a subscription you have purchased from us which is displayed in your Zing account.
Home means the address stated in your Zing account.
Theft means the unlawful taking of your Important Household Possessions by someone else with the intention of permanently depriving you of it.
We/ us/ our means Zing, a trading name of Covertech Ltd (FRN 976493), underwriting on behalf of Chubb European Group SE.
You/ your means the person(s) named in your Zing account.
© Covertech Limited, 2022
