The Association of Leeds North Neighbourhood Watches |
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Neighbourhood Watch
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 | This Statement is a record of the information that you, or your
agent , has given to us as your proposal for this insurance
and it:
Failure to disclose a material fact may result in the
insurance being inoperative.
| It is your legal duty to disclose all material facts
when applying for insurance. If you are in any doubt as to
whether or not a material fact should be disclosed please refer
to your agent.
| You should check the information shown in this Statement to ensure that
everything is correctly stated. Please tell your agent within 7
days if anything needs to be changed and they will advise you if
the change(s) affect the acceptability of the insurance.
| If all the information is correct and you have disclosed all material
facts please sign and date the declaration at the end of this
Statement and keep it in a safe place with your policy
document – you do not have to return it to us.
| In addition to this Statement please keep a record of all other
information supplied to your agent for your proposal.
| This Statement on its own is not confirmation or evidence of cover. | |
| A copy of the standard policy wording is attached and is otherwise
available on request to your agent.
| The Law of the territorial limits (defined in the policy wording)
relating to your contact address will apply to this insurance.
English Law will apply in the event of any dispute over the applicable
Law. | |
| You have completed a formal
registration with, and have been approved by, your local police
authority as an authorised Neighbourhood Watch Association/Scheme.
| Your Neighbourhood Watch registration with the police
authorities is currently effective.
| You have not made any claim or incurred any liability,
for any of the risks proposed, in the past 3 years. | |
NOTE: IF YOU ARE UNABLE TO CONFIRM THESE STATEMENTS, YOU ARE NOT ELIGIBLE FOR THIS INSURANCE. IF YOU ARE IN DOUBT, PLEASE CONTACT KEEGAN & PENNYKID (INSURANCE BROKERS) LTD FOR ADVICE.
You require the cover to start on : 10 May 2005
This information is the minimum required by us and your agent to administer your insurance policy
Neighbourhood Watch Association/Scheme for : fbpol852
Contact Name : Mr Christopher Neal
Contact Address :
Contact Postcode :
Daytime Telephone no. :
E-mail Address : guiseleynw@zetnet.co.uk
Number of Scheme Co-ordinators in your Association/Scheme :
98
Number of households in your Neighbourhood Watch catchment
area : 5,500
Police Reference allocated : ansvarP
No We may write to you, or your agent, with details of other products or services available that may be of interest to you.
For the purpose of the Data Protection Act 1998, the Data Controller in relation to the information you supply for this insurance is Ansvar, part of the Ecclesiastical Insurance Group. As a data subject you have a right under the Act to ask your Data Controller for a copy of personal data you have supplied and ask for inaccurate data to be corrected. Information you supply is used for purposes of administration by the insurer and its agents, by re-insurers and your agent. It may also be made available to regulators and ombudsmen as necessary. In deciding whether to offer insurance, its terms or assessing claims made, insurers may undertake checks against publicly available information such as electoral roll, county court judgements, bankruptcy or repossessions. Information may also be shared with other insurers either directly or via those acting for the insurer, such as loss adjusters or investigators.
Subject to our compliance with current data protection legislation we may also share information with other insurers, companies or agencies, including the police authorities, for the purposes of fraud prevention, credit checking, confirmation of relevant facts, debt recovery, claims adjustment or investigation and otherwise in compliance with any legal requirement.
You declare that as far as you are aware the above statements made by you, or on your behalf, are true and complete.
You agree to accept our :
| use of the information in this Statement;
| standard form of policy wording for Neighbourhood Watch Public Liability
Insurance. | |
Name of signatory : Mr Brian Joslin
Position held within your Association/Scheme : Chair
Signature :
Date : 10 May 2005
If you are unable to complete and sign the declaration on this Statement of Fact, please refer to your agent : Keegan & Pennykid (Insurance Brokers) Limited, 50 Queen Street, Edinburgh, Midlothian, EH2 3NS Tel: 0131 225 6005 Fax: 0131 226 3811 www.keegan-pennykid.com E-mail: mail@keegan-pennykid.com
This insurance is underwritten by : Ansvar Insurance Company Limited, Registered Office : Beaufort House, Brunswick Road, Gloucester, GL1 1JZ Registered No : 661060 England. Member of the Association of British Insurers (ABI) and the Financial Ombudsman Service (FOS). Authorised and Regulated by the Financial Services Authority (FSA). FSA Register number 202019.
Ansvar Insurance Company Limited, Ansvar House, St Leonards Road, Eastbourne, East Sussex, BN21 3UR, Tel 01323 737541, Fax 01323 644082, www.ansvar.co.uk
Attaching to and forming part of the Policy bearing the number entered below and written upon the Company’s form of Policy FA25. Subject to the terms and Conditions of the Policy the insurance is continued/renewed for the period shown.
Keegan & Pennykid (Insurance Brokers) Limited, 50
Queen Street, Edinburgh, Midlothian, EH2 3NS
Tel: 0131 225 6005 Fax: 0131 226 3811 www.keegan-pennykid.com E-mail: mail@keegan-pennykid.com
Neighbourhood Watch Association/Scheme for : fbpol852
Reason : New Business
Period of Insurance : From 10/5/2005 to 12/01/2006 (for a period not exceeding 12 months)
Policy Number : BPP2166756/1000253
Police Reference : ansvarP
Policy Type : Public Liability
Premium : As agreed with your agent
Contact Name : Mr Christopher Neal
Contact Address : 19 Victoria Road
Contact Postcode : LS20 8DH
Number of Scheme Co-ordinators in your Association/Scheme : 98
Number of households in your Neighbourhood Watch catchment area : 5,500
Public Liability : £5,000,000 Indemnity Limit
Date of Issue : 5/10/2005 10:40:57 PM
Ansvar Insurance Company Limited, Registered Office : Beaufort House, Brunswick Road, Gloucester, GL1 1JZ Registered No : 661060 England. Member of the Association of British Insurers (ABI) and the Financial Ombudsman Service (FOS). Authorised and Regulated by the Financial Services Authority (FSA). FSA Register number 202019.
Ansvar Insurance Company Limited, Ansvar House, St Leonards Road, Eastbourne, East Sussex, BN21 3UR, Tel 01323 737541, Fax 01323 644082, www.ansvar.co.uk
Thank you for insuring with Ansvar and we welcome you as a policyholder.
Please read the Policy and Schedule carefully. If you need any further explanation or if you find any mistake please contact your insurance agent or us immediately.
You must tell your insurance agent or us about any changes which affect your Policy. Failure to do so could invalidate your cover. If you are not sure whether certain facts or changes are relevant please check with your insurance agent or us.
The Schedule enclosed with this Policy will show your individual details.
The information within the attached Statement of Facts is the basis of the contract and a premium has been agreed or paid. We will insure you as detailed in the Policy and Schedule against legal liability which may occur during the period of insurance shown in the Schedule.
The Policy and Schedule are to be read together as one document.
Signed on behalf of Ansvar Insurance Company Limited
Mark Ingram
Head of Insurance Operations
Some words in your Policy and Schedule are in italics and have a particular meaning. Wherever they appear their meanings are given below :
Asbestos asbestos, asbestos fibres or any
derivatives of asbestos including any product containing any asbestos, asbestos
fibres or any derivatives of asbestos.
Bodily injury death, illness, injury or disease.
Community activities your community
activities for Neighbourhood Watch, as listed below, undertaken with your
full knowledge and authority and under your control:
| attending conferences and exhibitions
| group and association meetings
| house meetings
| police liaison
| poster, literature and sticker distribution
| stallholder at boot sales/jumble sales/fetes/fairs
| sign erection and maintenance, including signs whilst erected, provided
that the lower edge of any sign is not less than 2.1 metres above the
footway. | |
Excluding :
| car window etching
| fund-raising activities (other than those specified above)
| house or pet watch
| installation, siting or maintenance of any:
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property marking. | |
Bodily injury death, illness, injury or disease.
Claim a single loss or series of losses from one event
consequent on or attributable to one source or original cause.
Costs and expenses
| legal costs and expenses recoverable from you by any claimant
| defence costs and expenses incurred with our written consent. | |
Damage/damaged loss, destruction or damage.
Employee any :
| person under a contract of service or apprenticeship with you
| person who is hired to or borrowed by you
| person engaged under a Work Experience Scheme or similar scheme
| labour only sub-contractor or anyone employed by them
| self-employed person
| voluntary helper | |
while working for you in connection with community activities.
Period of insurance the period shown on your
Schedule.
Territorial limits England and Wales.
Terrorism an act, including but not limited to the use
of force or violence and/or the threat thereof, of any person or group(s) of
persons, whether acting alone or on behalf of or in connection with any
organisation(s) or government(s), committed for political, religious,
ideological, ethnic or similar purposes or reasons including the intention to
influence any government and/or to put the public, or any section of the public
in fear.
We/us/our Ansvar Insurance Company Limited.
You/your/insured the Neighbourhood Watch
Association/Scheme named in the Schedule as the Policyholder and registered as a
member of Neighbourhood Watch with the police authorities.
WHAT IS COVEREDWe will pay all amounts which you become legally liable to pay as damages and costs and expenses for accidental:
occurring during the period of insurance in connection with community
activities and occurring in the territorial limits. |
WHAT IS NOT COVEREDThe first £100 of each claim for damage to
property.
Fines, penalties or punitive, exemplary, aggravated or multiplied
damages.
Liability arising directly or indirectly from :
Costs of cleaning up or removal of asbestos. |
WHAT IS COVERED1 Health and Safety at Work
committed or alleged to have been committed in the course of the community
activities during the period of insurance, including costs
incurred in an appeal against conviction arising from such proceedings. 2 Cross Liabilities 3 Hired or Rented Buildings 4 Motor Contingent Liability 5 Indemnity to Other People (including Member to Member
cover)
Provided :
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WHAT IS NOT COVEREDThe payment of fines, penalties or punitive, exemplary, aggravated or
multiplied damages. The first £100 of each claim caused other than by fire or
explosion.
Liability arising from :
Liability :
Liability covered by any other policy. |
The most we will pay for any claim, unless otherwise stated, is :
| the indemnity limit shown in the Schedule
| the indemnity limit shown in the Schedule in total to all parties under
Extension 2 | |
including costs and expenses.
For claims arising from Pollution or Contamination, the most we
will pay in any one period of insurance is the indemnity limit shown
in the Schedule including costs and expenses.
1 Contracts (Rights of Third Parties)
A person or company who is not a party to this Policy has no right under the
Contracts (Rights of Third Parties) Act 1999 to enforce any term of this Policy
but this does not affect any right or remedy of a third party which exists or is
available apart from that Act.
2 Radioactive Contamination
any expense, consequential loss, legal liability or damage to any
property directly or indirectly arising from :
3 War Risks
any consequence of war, invasion, act of foreign enemy, hostilities (whether war
is declared or not), civil war, rebellion, revolution, insurrection, military
force or coup.
4 Date Related Computer Failure
any claim, loss, liability or expenses caused by or arising from,
directly or indirectly or in any way relating to, the failure of any computer,
data processing equipment or media, microchip, integrated circuit or similar
device or any computer software, whether your property or not, to :
but this shall not exclude subsequent damage to your property specifically insured by the Policy or any loss not otherwise excluded which itself results from :
fire, explosion, lightning, smoke, aircraft or other aerial devices dropped from them, theft or attempted theft, impact by any road vehicle, train or animal, riot, civil commotion, strikers, locked-out workers or persons taking part in labour disturbances, malicious people or vandals, storm or flood, escape of water from any tank apparatus or pipe, escape of fuel oil from any fixed oil-fired heating installation
if covered by this Policy.
5 Terrorism
liability to third parties :
If we allege that by reason of this exclusion any accidental bodily injury is not covered by this Policy the burden of proving the contrary shall be upon you.
6 Electronic Risks
liability arising from damage to data.
Meaning of words specific to this exclusion :
Data: information represented or stored electronically
including but not limited to code or series of instructions operating systems
software programs or firmware.
1 Claims Procedure (your Duties)
When you become aware of a possible claim under this Policy you :
| should :
should not :
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2 Claims Procedure (our Rights)
We are entitled to take over :
| your rights against another person before or after we
have paid a claim
| the defence or settlement of a claim against you by
another person. | |
3 Cancellation
| We may cancel this Policy by giving 14 days notice in writing by
recorded delivery to your last known contact address but no refund
of premium will be allowed.
| You may cancel this Policy by giving us notice in
writing but no refund of premium will be allowed. | |
4 Other Insurance
If at the time of a claim there is any other insurance covering
anything insured by this Policy, we will only pay for any amount over
the indemnity limit obtainable under such other insurance which is or would be
payable but for the existence of this Policy.
5 Reasonable Care
You must take all reasonable steps to :
| prevent or minimise damage or accident
| exercise and use reasonable care in the selection and supervision of your
members and employees
| take all reasonable steps to comply with all statutory and other
obligations and regulations imposed by any authority. | |
6 Alteration of Risk
You must tell us as soon as possible about any change in
circumstances which increase the risk of damage or accident.
Failure to do so could invalidate the Policy.
7 Fraud
If you or anyone acting for you makes a claim under
this Policy knowing the claim to be false in any respect, we
will not pay the claim and all cover under this Policy ceases.
8 Governing Law
This Policy is to be governed solely in accordance with the relevant laws of the
territorial limits relating to your contact address as shown
in the Schedule. If there is any dispute as to which law applies, it shall be
English Law.
9 Arbitration
Where we have accepted a claim under this Policy but we
cannot agree on the amount to be paid the disagreement shall be referred to an
arbitrator jointly appointed by you and us in accordance with
the statutory provisions for the appointment of an arbitrator. Where this occurs
an award must be made by the arbitrator before legal proceedings can be
commenced against us.
10 Declarations
This Policy is subject to an annual declaration provided by the Neighbourhood
Watch Forum. No retrospective additional or return premium for the previous period
of insurance will be applied.
11 Neighbourhood Watch Registration
CONDITION PRECEDENT TO LIABILITY
It is a condition precedent to any liability under this Policy that you
are formally registered with and approved by your local police
authority at all times throughout the currency of this insurance.
In the event of a claim, you will be required to produce evidence of your
registration and approval.
We aim to provide a high standard of service. However, if you have any reason to complain about the advice or service you have received you should contact your insurance agent or Ansvar Insurance Company Limited.
You can make your complaint in writing or verbally to the General Manager or any manager at :
Ansvar Insurance Company Limited, Ansvar House, St. Leonards
Road, Eastbourne, East Sussex, BN21 3UR
Tel: 01323 737541 Fax: 01323 644082 E-mail: ansvar.insurance@ansvar.co.uk
www.ansvar.co.uk
| We will acknowledge all complaints within 5 working days.
| All complaints will be investigated independently at a senior level within
Ansvar Insurance.
| We will aim to respond formally to your complaint within
4 weeks, but we shall endeavour to report to you within 10 working
days whenever possible.
| If after 4 weeks we have not completed our investigation we
will write to you to tell you the progress of the
investigation. We will then write to you again within 8
weeks of receiving your complaint with our response, or to
inform you of the progress being made.
| If you are not satisfied with our response, or we
have not completed our investigation after 8 weeks, we
will inform you of your right to take the complaint to : | Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR Tel: 020 7964 1000 Fax: 020 7964 1001 E-mail: general.info@financial-ombudsman.org.uk If you are a business with an annual turnover of less than £1million, you
are entitled to refer your case to the Financial Ombudsman Service. | |
This complaints procedure does not affect your right to take legal proceedings.
General advice to assist you :
| Tell your insurance agent or us as soon as you
can by telephone, letter, fax or email (your policy number will be
required in all communications).
| If someone is making a claim against you, do not make
any promise to pay. Send any letter or document to us unanswered
without delay. | |
DAS Legal Expenses Insurance Company Limited (DAS) provides these services 24 hours a day, seven days a week during the period of insurance.
Eurolaw Legal Advice
DAS will give you confidential legal advice over the telephone on any
commercial legal problem affecting you under the laws of the member
countries of the European Union, the Isle of Man, the Channel Islands,
Switzerland and Norway.
Tax Advice
DAS will give you confidential advice over the telephone on any tax
matters affecting you under the laws of the territorial limits.
To contact the above services telephone DAS on :- 0117 934 0437 or
0117 976 2030.
To help DAS check and improve service standards, all calls are recorded.
Counselling
DAS will provide you and employees (including any member of
their immediate family who permanently lives with them) with a confidential
counselling service over the telephone, including where appropriate, onward
referral to relevant voluntary and/or professional services.
To contact the above service telephone DAS on:- 0117 934 2121 (these calls are not recorded).
DAS will not accept responsibility if the Helpline Services fail for reasons
they cannot control.
Please do not phone DAS to report a claim.
Ansvar Insurance Company Limited Ansvar House, St Leonards Road, Eastbourne, East Sussex, BN21 3UR Tel: 01323 737541 Fax: 01323 644082 www.ansvar.co.uk
Keegan & Pennykid (Insurance Brokers) Ltd 50 Queen Street, Edinburgh, Midlothian, EH2 3NS Tel: 0131 225 6005 Fax: 0131 226 3811 E-mail: mail@keegan-pennykid.com www.keegan-pennykid.com
DAS Legal Expenses Insurance Company Limited DAS House, Quay Side, Temple Back, Bristol, BS1 6NH Tel: 0117 934 2000 Fax: 0117 934 2109 www.das.co.uk
The Financial Services Authority 25 The Colonnade, Canary Wharf, London, E14 5HS Tel: 020 7066 1000 www.fsa.gov.uk/mgi
The Association of British Insurers Consumer Information Department, 51 Gresham Street, London, EC2V 7HQ Tel: 020 7600 3333 www.abi.org.uk
Financial Services Compensation Scheme 7th Floor, Lloyds Chambers, Portsoken Street, London, E1 8BN Tel: 020 7892 7300 www.fscs.org.uk
Ansvar Insurance Company Limited, Registered Office : Beaufort House, Brunswick Road, Gloucester, GL1 1JZ Registered No : 661060 England. Member of the Association of British Insurers (ABI) and the Financial Ombudsman Service (FOS). Authorised and Regulated by the Financial Services Authority (FSA). FSA Register number 202019.
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