This policy summary does not
contain the full terms and conditions of the Connoisseur Policy
for Collectors, which can be found in the policy document. To
view a full copy of the policy wording click
here. The Connoisseur Policy for
Collectors is underwritten by Sterling Insurance Company Limited.
This policy provides cover for accidental
loss of or damage to your "collections" ocurring anywhere
in the United Kingdom, the Channel Islands and the Isle of Man.
If the appropriate additional premium has been paid, the territorial
limits will be extended to Worldwide.
A ‘collection’ is defined
as: “an accumulation of inanimate objects gathered for study,
comparison, exhibition or as a hobby”.
The key features
are as follows:
| Significant Features
and Benefits |
Significant Exclusions
and Limitations |
Policy Section |
All Risks basis of cover for collections of:
- Antique & designer furniture
- Ceramics, glass & other brittle articles
- Clocks, instruments & barometers
- Coins, medals, metalware & militaria
- Collectables (limit £500 per item)
- Costume & other jewellery, watches
- Musical instruments & music boxes
- Pictures, photographs, autographs, posters
& prints
- Rugs, samplers & tapestries
- Silver thimbles, silver & silver plated
items
- Stamps & bank notes
- Textiles, treen, books and comics
- Other specific items
|
Loss or damage caused by:
- deliberate acts
- theft by persons to whom the property is entrusted
- theft from unattended motor vehicles
- atmospheric or climatic conditions
- corrosion, scratching, bruising, denting, pets, pests
or vermin
|
6
|
| Limits
- £500 for any one ‘collectable’ unless
specified
- £1,000 for any one item insured under a specific
category unless specified
- up to a maximum of £20,000 for losses of jewellery
and watches, unless such items are kept in a locked safe
- £250 for losses occurring to items that are posted
|
5 |
Excess
An excess of £50 will apply to claims for unspecified items
only.
Your right to cancel
You have the right to cancel your policy for a period of 14 days
from the date your policy begins or from the date you receive your
policy document if this happens later. If you do cancel in this
period you will receive a full premium refund. If you have made
a claim during this period, you must reimburse us for any claims
monies paid. If you should wish to cancel this policy, please write
to:
Connoisseur Policies Ltd
Suite C, South House
21-37 South Street
Dorking
Surrey RH4 2JZ
The period for which you are
covered
The policy operates for a period of 12 months. Within that period,
you may terminate the policy by giving us written instructions at
any time; we may terminate the policy by giving you 7 days’
notice in writing. In either case you may be entitled to a refund
of part of your premium.
How to make a complaint
If you wish to make a complaint, you should write to: Connoisseur
Policies Ltd and/or Anthony Wakefield & Co Ltd at Suite C2,
South House, 21-37 South Street, Dorking, Surrey RH4 2JZ or telephone:
08702 410142.
If you remain dissatisfied, you may also refer this to: The Customer
Services Manager, Sterling Insurance Company Limited, 50 Kings Hill
Avenue, Kings Hill, West Malling, Kent, ME19 4JX.
You also have the right to refer your complaint to the Financial
Ombudsman Service.
Compensation
We are covered by the Financial Services Compensation Scheme (FSCS).
In the unlikely event that we cannot meet our obligations, the FSCS
will meet the first £2,000 of your claim in full plus 90%
of the balance. Further details can be obtained from www.fscs.org.uk
How to make a claim
Full details of how to make a claim are given in the policy. You
should telephone Connoisseur Policies Ltd as soon as possible on
08702 410142 with details of what has happened.
| Other Important Information |
Renewing
your policy
At least 21 days before the expiry of your policy, we will
invite you via email to renew and notify you of your new premium
for the forthcoming year. 3 days before your renewal is due,
if you have not already renewed, we will invite you again
to make your renewal payment. Renewal payments are made from
your customer administration area and are processed by Worldpay.
The law and language
applicable to the contract
We propose to choose English Law as the law applicable to
the contract unless you and we agree another law before the
start date. The policy terms and conditions and other information
we are required to supply will be in English. We will communicate
with you in English throughout the duration of the policy
unless you agree otherwise.
Telephone recording
and monitoring
Please note that we may monitor or record telephone calls
to ensure the accuracy of information and the quality of service.
Customers with a disability
Upon request, we are able to supply this information in Braille,
large print or on audiotape. Please advise us if you require
any of these services so that we can then communicate in an
appropriate manner. A text-phone facility is also available.
Information about Sterling
Insurance Company Limited
Sterling Insurance Company Limited is a private company limited
by shares incorporated in England and Wales under registered
number 498605. It underwrites general insurance business.
Its head and registered office is: Ambassador House, Paradise
Road, Richmond upon Thames, Surrey TW9 1SQ. It is authorised
and regulated by the Financial Services Authority and appears
on the Financial Services Authority’s register under
number 202012.
|
To view a full copy of the policy wording
click
here.
|
