Home Buildings & Contents Terms & Conditions

This policy is based upon the assumptions that:

• The property is your main residence and not used for any business purpose. The buildings are maintained in a good state of repair. The buildings are of standard construction i.e. built of brick, block or stone and roofed with slates or tiles. The property is secure and all external doors are fitted with good quality mortice locks. The property is not in an area at risk from flooding or subsidence. The property is not left unoccupied for more than 30 consecutive days. The buildings and contents are insured for a value equal to the reinstatement cost and not market value. No insurer has declined or cancelled insurance or imposed applied special terms or conditions. No person in your household has ever been convicted of any offence other than motor offences.

• You declare that the above conditions along with all information supplied or any future information provided will form the basis of the contract between you, T&R Direct Insurance Services, and the insurance company you may be placed with.