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- E: [email protected]
01/03/22 - UK Policy Wording Updates effective 1st April 2022
Technical Update
Uk policy wording updates effective 1st april 2022.
Please note that our UK products and policy wordings have been updated for new business and renewals with an effective date of 1st April 2022 and onwards. You can view all new product documentation on the Document Centre .
What's changed?
Click on the product links below to view what's changed for each: Plum Online Portal Products Flex >> Let >> Retreat >> Unoccupied >> HomeWorks >> PropertyWorks >> Amethyst Original >> Amethyst >> Premier >> Full Cycle EDI Products eFlex >> eLet >>
Changes applicable to all products
The following general changes are applicable to all policy wordings
- We've added in information regarding what happens at renewal including a statement to explain that the policy does not auto renew (not applicable to HomeWorks or PropertyWorks as these are fixed term policies)
- We've included updates to website links containing information of the insurers
- We've updated the website link for our Privacy Policy
- We've added in the definitions for 'flood' and 'storm' which are now in bold where shown elsewhere within the wording.
Speak to us
If you have any questions about what's contained in this technical update you can contact us at [email protected]
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Question: When an insured specifically requests a certain kind of coverage when applying for insurance and is not told it is not available, that coverage likely exists, even if the policy wording states otherwise, because the agent implied such coverage at the time of sale, and the insurer cannot deny it. Which of the following best explains this situation?Group of
Let's examine each option: 1. **Duress**: This re...
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UK Product Updates effective April 2021
B Please note that our policy wordings have been updated for new business and renewals with an effective date of 1st April 2021 and onwards. You can view all new product documentation on the Document Centre . Here's a summary of the key updates per product available on the Plum Online Portal:
- Increase from £25,000 to £30,000 under definition of building works
- Property in the open increased from £1,000 to £2,000
- Money increased from £750 to £1,000
- Credit Cards increased from £500 to £1,000
- Pedal Cycles increased from £500 to £750
- Contents in garage and outbuildings increased from £5,000 to £7,500
- Increase number of days within the unoccupied definition from 30 to 60 days
- Increase of trace and access limit from £5,000 to £7,500
- Infectious or contagious diseases exclusion added
- Removed all references to rent guarantee cover as this is no longer available (option to have cover was removed from new business in March 2020 and from renewals in July 2020)
- We've updated Section 4: Legal Liability to the Public to make it clearer we cover for bodily injury and damage to property caused by accidents at the premises only
Overseas Retreat
Unoccupied .
- Increase from £25,000 to £30,000 under definition of building works
- Under definition ‘contents does not include’ we've added the following exclusion: Contents in the open
- Under ‘general exclusions’ we've added an additional bullet point (for loss or damage due to the failure or lack of grouting or sealant)
- Travel Cover was no longer available from 1sy July 2020 so this section has now been removed from the wording
- Under Section 2 Contents Special Extensions we've made it clearer that cover restricted to a maximum of £15,000 for any one period of insurance
Amethyst Original
- We've updated the wording & schedules to note Legal Insurance Management Limited as the claims contact for Home Emergency (cover is still underwritten by AmTrust Europe Limited)
HomeWorks & PropertyWorks
- Infectious or contagious diseases exclusion added
Here's a summary of the key updates per product available on EDI software houses:
- Under Section 1 Buildings and Section 2 Contents – Accidental Damage removed under ‘what is not covered’ point d (shown as point e under Section 2: Contents): for damage while the home is lent, let or sublet
- Increased unoccupied definition to 30 consecutive days
- We've updated General Condition 11: Inspection of the Premises Whilst the Home is Tenanted to include the following sentence: ‘This includes if the home is let to friends and/or your family members’
- We've updated Claim Conditions point K) Tenancy Agreement to make it clearer that the condition is applicable also if the property is rented to friends and family
You can view a full What's Changed document per product by clicking here >> If you have any questions about what's contained in this technical update you can contact us at [email protected]
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The information listed reflects positions that have been submitted in prior Plum Books, as well as their current incumbencies. Information for entities not included in prior Plum Books, as well as newly-established entities since the publishing of the 2020 Plum Book, acting incumbencies, and historical incumbencies, will be included later in the 2024 update of the Plum Book and website. OPM’s confirmation is made in reliance on certifications provided by each responding agency.
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This website currently contains data that was reported to OPM by agencies as of March 4, 2024.
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Flex - Non Standard home insurance
Flex is a policy designed for non standard home insurance risks, available in the UK.
It is there to provide a solution for those finding it difficult to insure their home and possessions.
Based on the Lloyd's of London approved home insurance wording with a range of cover enhancements, it caters for a wide range of non standard risks, such as:
- Non standard construction
- Non standard occupations
- Convictions
- Subsidence history / underpinned properties
- Irregular occupancy
- Declined, refused or cancelled insurance
- Adverse claims history
- Unoccupied homes
Cover provided for:
Valuables and personal possessions.
- Pedal Cycles (away from the home)
- Money & Credit Cards
- Freezer contents
- Accidents to Domestic Employee(s)
- Legal Liability to the Public
Quote request
Already an existing Plum broker? Click the button to begin your quote request online.
Get a quote
Finding it difficult to obtain home insurance? Flex is the answer.
Five good reasons to choose Flex:
Service - Plum has been voted an Insurance Times ‘Top 5’ personal lines insurer by brokers in 2016 and 2017. Our experienced, accessible underwriting team is at hand to assist you as required.
Cover - Flex is a Lloyd's of London approved home insurance policy with several cover enhancements. You can choose Flex for your clients with confidence.
Flexibility - Our experienced underwriters are able to offer terms on a whole range of non standard risks that other insurers are unable to help with.
Security - Underwriting capacity for Flex is provided by Lloyd's of London, the world’s leading insurance market. For financial strength, Lloyd’s is rated A (Excellent), A+ (Strong) and A+ (strong), by A.M. Best, Fitch Ratings and Standard & Poor's respectively.
Expertise - Plum has been providing specialist home insurance products to brokers for over a decade. Flex is further evidence of our strong commitment to backing brokers.
Cover is provided on a "standard perils" basis, on a policy wording based on the Lloyd's of London approved home insurance policy.
The following limits are provided automatically unless a higher limit is requested. For a full list of all the covers available, please refer to the policy wording.
| Cover | Limit (£) |
|---|---|
| Accidental Damage | Optional |
| Garden, plants and shrubs | 2,500 |
| Trace and access | 5,000 |
| Loss of Rent | 25% of buildings / 24 months |
| Alternative accommodation | 25% of buildings / 24 months |
| Cover | Limit (£) |
|---|---|
| Accidental Damage/Loss | Optional |
| Contents of outbuildings | 5,000 |
| Contents in the open | 1,000 |
| Home business contents | 5,000 |
| Money/credit cards | 1,000 |
| Pedal cycles (at the home) | 750 |
| Replacement locks | 5,000 |
| Loss of metered water/oil | 5,000 |
| Seasonal increases | 5,000 |
| Electronic data | 2,500 |
| Cover | Limit (£) |
|---|---|
| Accidental Damage/Loss | Optional |
| Valuables and personal possessions | 33.3% of the contents sum insured (with a 10% Single Article Limit) other than pictures and paintings which are covered up to the total contents sum insured |
| Cover | Limit (£) |
|---|---|
| Accidents to Domestic Employee(s) | 10,000,000 |
| Legal Liability to the Public | 5,000,000 |
A fair, efficient, customer friendly claims service.
We know that when a policyholder makes a claim on their policy the quality and speed of response of our claims service are the keys to maintaining customer satisfaction.
We pride ourselves on delivering a top quality claims service for our supporting brokers and their clients, looking to settle claims fairly, efficiently and consistently.
In safe hands
We understand that, in addition to being the face of our company, our appointed claims handlers and loss adjusters are representing your businesses too and therefore, we have strict controls in place throughout the claims process to help ensure your clients receive a high standard of service.
As with every facet of our service, we are constantly seeking improvements. If you have any feedback concerning our service in this, or any other area, please click here .
IMAGES
COMMENTS
Christopher Martin Road. Basildon. Essex. SS14 3EZ. T: 0345 130 0802. E: [email protected]. "Plum Underwriting", "Cherish Insurance Services" and "U-Sure Insurance Services" are trading styles of Plum Underwriting Limited. Plum Underwriting Limited is authorised and regulated by the Financial Conduct Authority No 309166.
HomeWorks Insurance Policy - Republic of Ireland 3 3. Cancellation by us following a fraudulent claim: If you make a fraudulent claim under this policy we will cancel your policy from the date of the fraudulent act and we will retain 100% of the premium. 4. Premium refund following cancellation of your policy: In the event of cancellation by you, your premium refund will be calculated as follows:
Homeworks - Residential Building Works. HomeWorks is a dedicated insurance policy for homeowners and landlords renovating, refurbishing and extending their residential properties in the UK. ; With new and improved covers added from 1st July 2020 HomeWorks is our signature building works policy for homeowners and landlords renovating ...
HWKI/0921/WC v1.0 Page 1 of 2 What's Changed HomeWorks Insurance Policy 09/2021 For Republic of Ireland Residential Building Works insurance policy wording reference: HWKI/0921/PW The following document demonstrates any significant differences to the conditions of the policy and the cover
For Republic of Ireland Residential Building Works insurance policy wording reference: HWKI/0122/PW The following document demonstrates any significant differences to the conditions of the policy and the cover between the January 2021 policy wording, with a wording reference of HWKI/0121/PW, and the January 2022
to your broker or insurance intermediary within 14 days of either the date you receive your policy documentation or the start date of the period of insurance, whichever is the later. We will refund any premium you have paid, providing that you have not made a claim. Cancellation Cancellation of your policy by us or you: • Cancellation of your ...
UK policy wordings have been updated for new business and renewals 1st April 2022 and onward. T: 0345 130 0802; E: [email protected]; Home; About Us. Careers; ... "Plum Underwriting", "Cherish Insurance Services" and "U-Sure Insurance Services" are trading styles of Plum Underwriting Limited. Plum Underwriting Limited is authorised and ...
The Scheme contact details are as follows: Financial Services Compensation Scheme 10th Floor Beaufort House 15 St Botolph Street. EC3A 7QU. Telephone: 0800 678 1100. Further information about the Scheme is available from the Financial Services Compensation Scheme: www.fscs.org.uk.
Share this. We've made some changes. As you know HomeWorks is the market leading solution from Plum, for your homeowner clients who are renovating, refurbishing or extending their properties. We're writing to let you know that effective from 19 October 2015 we've introduced a new, updated HomeWorks 2015 policy wording that replaces the 2013 version.
For Republic of Ireland Residential Building Works insurance policy wording reference: HWKI/0122/PW The following document demonstrates any significant differences to the conditions of the policy and the cover between the September 2021 policy wording, with a wording reference of HWKI/0921/PW, and the January 2022
An underwriting agency created in 2002 with roots in Lloyd's of London, Plum Underwriting focuses on the specialist home insurance market.
UK Products - Plum Online Portal. Flex UK. Inceptions & Renewals 1st April 2022 onwards. Flex Policy Wording. Flex Broker Product Summary. Flex Generic IPID. Flex What's Changed Apr 21 to Apr 22. Flex Product Governance and Fair Value Assessment. Inceptions & Renewals 1st April 2021 - 31st March 2022.
Plum Flex Home Insurance Policy 3 2. If you remain dissatisfied with the resolution or handling of your complaint by Plum Underwriting, then youmay refer the matter to: Policyholder & Market Assistance, Lloyd's Market Services, Lloyd's, One Lime Street, London, EC3M 7HA Tel: 020 7327 5693 Fax: 020 7327 5225 E-mail: [email protected] 3.
Plum Elite Home Insurance Policy 3 HowtoNotifyaClaim To notify a possible claim, please refer to yourscheduleofinsurance for claims contact details relevant to the section under which you are claiming. When notifying a claim, please provide your name, policy number, the name of your insurance broker and full details of the loss or damage.
Definitions applying to the whole policy 7 - 8 Index linking of sums insured 9 General exclusions 10 - 12 General conditions 13 Claims conditions 14 ... is enclosed with this policy wording. The insurance relates ONLY to those sections of this policy which are shown in the . schedule . as being included. How much to insure for.
Customer Service and Complaints Procedure 4 Unoccupied Home Insurance Policy Plum Underwriting and your broker or insurance intermediary are committed to providing you with the highest standard of service at all times. If you have any questions or queries about your policy or the handling of any claim, in the first instance please contact your broker or insurance intermediary shown on your ...
Share this. We've made some changes. As you know HomeWorks is the market leading solution from Plum, for your homeowner clients who are renovating, refurbishing or extending their properties. We're writing to let you know that effective from 19 October 2015 we've introduced a new, updated HomeWorks 2015 policy wording that replaces the 2013 version.
Business; Operations Management; Operations Management questions and answers; When an insured specifically requests a certain kind of coverage when applying for insurance and is not told it is not available, that coverage likely exists, even if the policy wording states otherwise, because the agent implied such coverage at the time of sale, and the insurer cannot deny it.
If you need to notify us of a claim, or of any circumstances or incident which may cause a claim in the first instance you. should contact your insurance broker. Alternatively you may contact the claims department at 0345 475 3455. All claims are handled by our third party claims administrators, Quest Gates.
BPlease note that our policy wordings have been updated for new business and renewals with an effective date of 1st April 2021 and onwards. ... (Register number C4721). Crotty Insurance Brokers Limited trading as Plum Underwriting, Registered Office 6 Leopardstown Office Park, Burton Hall Avenue, Sandyford, Dublin 18, Ireland (Registration ...
UK Insurance Policy 3 Examples of where we would cancel your policy are as follows: 1. Where Plum Underwriting Ltd has been unable to collect a premium payment following non-payment correspondence issued to you or your broker or insurance intermediary. If you pay your premium to us through a direct debit facility, we will allow 30 days for the premium to be brought up to date.
FY2024 Top Management Challenges Report Transmittal. Strategy 1: Increase Use of Applicant Flow Data (AFD) Empowering Excellence in Government through Great People. We lead and serve the Federal Government in enterprise human resources management by delivering policies and services to achieve a trusted effective civilian workforce.
Flex is a policy designed for non standard home insurance risks, available in the UK. It is there to provide a solution for those finding it difficult to insure their home and possessions. Based on the Lloyd's of London approved home insurance wording with a range of cover enhancements, it caters for a wide range of non standard risks, such as: