Household
Products
Link's
Home Insurance package is designed for the owner occupied private home.
We can transact business either by paper or via various system solutions.
Link specialise in providing home bordereaux facilities for brokers
with large accounts and are constantly looking for new opportunities
to develop their schemes further.
Minimum
Sums Insured
Buildings £40,000 Contents £15,000
Minimum
Premium £60 + IPT
Excess £50 other than subsidence where the excess is £1,000
Key
Features
- Loss
or damage to the building on a standard perils or extended accidental
damage basis with index linking, property owners liability and alternative
accommodation
- Loss
or damage to the contents on a standard perils or extended accidental
damage basis with index linking, personal, occupiers, private employer
and tenants liability, alternative accommodation costs up to £5,000
- Replacement
locks up to £300
- Increased
metered water charges following escape of water up to £750
- Automatic
10% increase of sum insured during December to cover Christmas purchases
- 10%
increase of sum insured to cover family weddings
- Home
office equipment cover up to £3,000
- Bedroom
rated option for contents. Sum insured £40,000
- All
Risks Insurance without the need to specify individual items in excess
of £1,500, cover anywhere in the UK and extended to worldwide
for 60 days in one period of insurance
- Food
in deep freezers automatically covered up to £500
- Personal
money automatically covered up to £300
- Financial
loss resulting from fraudulent use of credit cards automatically covered
up to £1,000
- Property
owner, occupiers & personal liability automatically included free
of charge. Limit up to £2 million
- Legal
expenses available as an option
Discounts
available
- Age
discounts available to those aged from 45 and over
- Discounts
for good claims experience
- Voluntary
excess
- Membership
of neighbourhood watch scheme
- Non
smokers
- Where
both buildings and contents are insured together
- Where
the premises are protected by key operated window locks and five lever
mortise deadlocks and this is not an underwriting requirement
- Where
the premises are alarmed (NACOSS & SSAIB) and this is not an underwriting
requirement
Unacceptable
Risks
- Properties
outside the UK
- Properties
let to students, DSS Local Authority tenants
- Unoccupied
properties
- Properties
divided into bedsits
- Any
risk where there is no one adult resident in the dwelling in gainful
employment
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