… your property is damaged by a fire in your home. (Household contents)
… you accidentally lose, damage or destroy items owned by third parties. (Personal liability)
… your home is broken into and your jewellery is stolen or you are robbed with the use of force. (Household contents)
… you accidentally injure another person or persons. (Personal liability)
… your bicycle or mobile phone is stolen while you are away from home. (Supplementary “simple theft away from home”)
… third parties file unfounded compensation claims against you and you incur defence costs. (Personal liability)
… a storm floods your cellar and your property is damaged or if other damage such as fungus or pests is caused as the result of water damage. (Household contents)
… losses arise as a result of unpredictable events such as war, terrorism, internal unrest or nuclear disasters.
… household contents used commercially or professionally are damaged.
… you deliberately cause losses or intentionally commit an offence.