Section B Trade Contents Section C Frozen Foods Section D Goods in Transit Section E ‘All-Risks’ Section F Loss of Licence Public House & Restaurant Section G Public House & Restaurant PolicyHousehold Policy Wording Contents Section H Personal Accident Section I Equipment Breakdown General Conditions Claims Conditions General Exclusions Section J Legal Expenses Page 1 0f 68 Section A Buildings Section B Contents Trade Contents A warm welcome to Barbican Protect 3 Section C Frozen Foods Introduction to your Public House Policy 3 How to make a claim 4 Section D Complaints procedure 4 Goods in Transit Financial Services Compensation Scheme 5 Data Protection Notice 5 Section E ‘All-Risks’ Insurance Agreement 6 Meaning of Words 8 Section F Loss of Licence Section A – Buildings 10 Section B – Trade Contents 16 Section G Household Section C – Frozen Foods 40 Contents Section D – Goods in Transit 41 Section E – ‘All-Risks’ 42 Section H Personal Accident Section F – Loss of Licence 43 Section G – Household Contents 44 Section I Section H – Personal Accident 46 Equipment Breakdown Section I – Equipment Breakdown 49 General Conditions 54 General Conditions Claims Conditions 55 General Exclusions 56 Claims Conditions Section J – Legal Expenses 59 General Exclusions Section J Legal Expenses BPL PH 09/16 Page 2 0f 68 A Warm Welcome to Barbican Section A Buildings Thank you for taking out your Public House policy with us and welcome to Barbican Protect. Section B Trade Contents www.barbicanprotect.com Section C Introduction to your Public House Policy Frozen Foods This document and its attachments form your Policy and between them set out what is and isn’t covered by your Policy. It is important that you read it all carefully, to make sure that the insurance covers you’ve bought Section D actually provide the level of protection you need. You should bear in mind that your needs can change over Goods in Transit time as your Business develops. If they do, it’s important that you let your broker, intermediary or agent know so that we can update your Policy. If you require advice on any aspect of your Policy please speak to your usual insurance adviser. Section E ‘All-Risks’ This policy, insurance agreement, any schedule and endorsements should be read as if they are one document. We will insure you during any period of insurance for which we have accepted your premium provided Section F always that all the terms and conditions of this policy are kept. Loss of Licence Any reference to the singular will include the plural and vice versa. Any reference to any statute or statutory instrument will include any successor legislation. Section G Any heading in this policy is for ease of reference only and does not affect its interpretation. Household Contents Law applicable to the contract This insurance contract will be subject to the relevant law of England and Wales, Scotland, Northern Ireland, Section H the Isle of Man or the Channel Islands depending upon your address as shown in the schedule. If there Personal Accident is any dispute as to which law applies it shall be English law. The parties agree to submit to the exclusive jurisdiction of the English courts. Section I For and on behalf of Barbican Protect Ltd. Equipment Breakdown Stuart Kilpatrick Managing Director of Barbican Protect Ltd. General Conditions Claims Conditions General Exclusions This is a legal document and should be kept in a safe place. Please read this policy and any schedule and endorsement carefully and if they do not meet your needs Section J return them to us or your insurance intermediary. Legal Expenses BPL PH 09/16 Page 3 0f 68 How to make a claim Section A Notifications under or queries in respect of the General Claims Conditions shall be made to: Buildings Barbican Protect Ltd - Claims Minster House Section B 42 Mincing Lane Trade Contents London EC3R 7AE Telephone: 0333 010 4839 Section C Out of Hours: 0800 206 1466 Frozen Foods Email: [email protected] Section D Complaints Procedure Goods in Transit We of course aim to provide first class service. However if the Insured feels that the Company’s service has fallen short of their expectation the Insured may contact the Company at any time with their complaint. Section E ‘All-Risks’ Complaints will be handled in the following way: – if you make a complaint we will acknowledge it within 2 working days of having received it our objective will be to resolve your complaint within 5 working days. Section F If you are not satisfied with the way in which a complaint has been dealt with, please write to Stuart Kilpatrick, Loss of Licence Head of UK, at Barbican Protect Limited, 33 Gracechurch Street, London EC3V 0BT. In relation to Section J – Legal Expenses, contact: Section G Household The Customer Relations Department Contents ARAG plc White ladies Road Clifton Section H Bristol Personal Accident BS8 1NN Telephone: +44 (0)117 917 1561 Email: [email protected] Section I Equipment Breakdown If we are still unable to resolve your complaint, you can refer it to Lloyd’s of London. Write to them at Complaints , Lloyd’s, One Lime Street, London EC3M 7HA, e-mail them at complaints@ General lloyds.com or telephone them on +44 (0)20 7327 5693. Details of Lloyd’s complaints procedures are set out in Conditions a leaflet “Your Complaint – How we can Help” available at www.lloyds.com/complaints and are also available at the above address. If you remain dissatisfied after Lloyd’s has considered your complaint you may have the right to refer your Claims complaint to the Financial Ombudsman Service (FOS); the contact details for the FOS are: The Financial Conditions Ombudsman Service, Exchange Tower, London E14 9SR. Telephone 0800 023 4567 (calls to this number are free from “fixed lines” in the UK) or 0300 123 9123 (calls to this number are charged at the same rate as 01 and 02 numbers on mobile phone tariffs in the UK). Email: [email protected]. The FOS is an independent service in the UK for settling disputes between consumers and businesses providing General financial services. You can find more information on the FOS at www.financial-ombudsman.org.uk. Exclusions Following this complaint procedure does not affect your subsequent right to take legal action. Section J Legal Expenses BPL PH 09/16 Page 4 0f 68 Financial Services Compensation Scheme Section A We are covered by the Financial Services Compensation Scheme (FSCS) which means that you may be Buildings entitled to compensation from the Scheme in the unlikely event that we cannot meet our obligations to you. This depends upon the type of insurance, size of the business and circumstances of the claim. You can find out more at www.fcsc.org.uk. Section B Trade Contents Data Protection Notice Section C Frozen Foods Barbican is a Data Controller and will process personal information in accordance with the Data Protection Act 1998. By submitting personal information about You (and others), You (and they) consent to it being used for the purposes described in this Data Protection Notice. Section D The information supplied by You may be: Goods in Transit Used for insurance and administration including underwriting and claims services, debt collection, offering renewal, research and statistical analysis by Barbican, our associated companies and agents, by Section E other participating insurers, suppliers and Your insurance intermediary ‘All-Risks’ Used for management information purposes including portfolio assessment, risk assessment, performance and management reporting Disclosed to regulatory bodies for monitoring and/or enforcing other participating insurers for Section F compliance with regulatory rules and codes of conduct Loss of Licence Shared with other insurers, either directly or via those acting for them such as loss adjusters, surveyors and investigators, shared with and checked against various databases, credit reference agencies, fraud prevention agencies and public bodies including the police when You apply for, renew or amend this Section G insurance or make a claim. Household Contents Barbican may tell You about related products and services which we provide or which are provided by other associated companies. If You do not wish to receive marketing material from either category of company outlined here please write to Us notifying Your preference. Section H Personal Accident In the event of Barbican being merged with, taken over by, or transferring any part of its business to another company, We reserve the right to transfer Your personal information to that company under these terms. You should show this notice to anyone whose personal data may be processed to administer this policy. Section I Equipment Claims History Breakdown Under the conditions of this policy you must tell us about any insurance related incidents such as fire, water damage, theft or an accident whether or not they give rise to a claim. When you tell us about an incident we General will pass information relating to it to the relevant database. We may search these databases when you apply Conditions for insurance or in the event of any incident or claim or at time of renewal to validate your claims history or that of any other person or property likely to be involved in the policy or claim. Claims Fraud Prevention & Detection Conditions In order to prevent and detect fraud we may at any time: a share information about you with other organisations including the police General b undertake credit searches Exclusions c check and share your details with fraud prevention and detection agencies. Section J Legal Expenses BPL PH 09/16 Page 5 0f 68 If false or inaccurate information is provided and fraud is identified details will be passed to fraud prevention agencies.