Changes to Your House and Home Plus

We’re making some changes to the terms and conditions to our Home Plus and Your House products from 1 February 2017.

 

 

 

 

 

 

 

 

 

What are these changes?

  

1. “Occupiers, Personal and Employers liability” section is being updated to clarify what happens where there may be other insurance covering the same claim.

 

Existing wording

 

If there is any other insurance covering the same claim, we will only pay our share of the claim, even if the other insurer refuses the claim

 

New wording

 

If there is any other insurance covering the same claim or would have covered the claim but for the existence of this policy we will not make any payment under occupiers, personal and employers liability cover until all cover under that other insurance is exhausted. For all other claims we will not pay more than our share even if the other insurer refuses the claim.

 

Important Note: This condition will not have the effect of leaving you without cover for any claim and operates where there is any other insurance covering the same claim (or would have in the absence of this policy) and determines how those insurance policies apply.

 

2. The “motorised vehicle” definition is being updated to include an exception for electrically assisted (powered) cycles.

 

Existing wording

 

Any electrically or mechanically powered vehicle other than:

·         vehicles used only as domestic gardening equipment within the boundaries of the land belonging to your home;

·         vehicles designed to help disabled people (as long as the vehicles are not registered for road use);

·         golf carts and trolleys;

·         pedestrian-controlled toys and models.

 

New wording

 

Any electrically or mechanically powered vehicle other than:

·         vehicles used only as domestic gardening equipment within the boundaries of the land belonging to the home;

·         vehicles designed to help disabled people (as long as the vehicles are not registered for road use);

·         golf carts and trolleys;

·         toys and models remotely controlled by a pedestrian;

·         electrically assisted pedal cycles that are not legally required to pay Vehicle Excise Duty for road use (see www.gov.uk/electric-bike-rules for more information).

  

What do you need to do?

·         From 23 January 2017, you’ll be able to order or download the new policy wording and notice to policyholder from Aviva Broker. These new documents should be used with business incepted from 1 February 2017.

·         For business with an inception date before 1 February the existing documentation should continue to be used.

 

Do you have a scheme with Aviva?

Where you have a scheme with Aviva with a bespoke wording, you’ll receive a separate communication from our schemes team.

 

Any Questions?

If you have any questions, please get in touch with your usual personal lines underwriter or Aviva sales manager.

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