Assumptions

The property is:

• Free from flooding, in an area which is free from flooding and not within 250 meters of any rivers, lakes, watercourse or flood area.
• Not being monitored or every been monitored for subsidence, heave, landslip or been underpinned
• As far as you are aware no neighboring buildings have ever been subject of an occurrence of subsidence, heave or landslip.
• Your permanent residence or in the case of a rental property that it is tenanted.
• Occupied as a single dwelling unit & the property must not be let as bedsit type accommodation or multi units
• Not regularly left unattended at night.
• Not being used as part of a business, trade or profession.
• Built of brick, stone or concrete and roofed with slate or tiles.
• Not made of more than 20% non-standard roof construction.
• In a good state of repair.
• Not unoccupied for more than 30 days.
• Not a listed building or subject to a preservation order.
• Not undergoing any construction or renovation works.
• Not located on a site which exceeds 2 acres in size.
• Owned by a private individual not a company or firm.

You, nor any member of your household has:

• Have NOT suffered any loss or damage during the last 5 years on this property or any property owned which would have been covered by this type of insurance had it been in force whether or not a claim was paid (other than the claims declared already).
• Not had a gap in your home insurance cover in the last 5 years (other than declared already).
• Ever been refused cover, had a policy cancelled or any special terms imposed.
• Ever been convicted of a criminal offense, have a prosecution pending or have ever been declared bankrupt.
• The proposer is an individual and not a company or firm.

Landlord property:

• You are not renting this property through air BnB.
• There is a formal rental agreement for a period of no less than 12 months in place between the proposer(s) and the tenant(s).
• The landlord must be registered with the Private Residential Tenancies Board (PRTB).

Disclosure Requirement:

Make sure the above statements are true as failure to answer these correctly may result in your policy being cancelled or claims not being paid or you might have difficulty getting insurance in the future.