La Fraternelle Home Insurance

150 years of serving guernsey with quality cover
Prompt policy service
96% of our customers would recommend us to a friend

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Guide to cover provided and rates for 2011

BUILDINGS

Premium £1.10 per £1000

Fire Explosion & Lightning
Storm (excluding damage to aerials/satellite dishes)
Aircraft or articles dropping there from.
Malicious Damage (except if home unoccupied more than 30 days)
Damage caused by escape of water
Impact by vehicles or animals
Falling trees ( excluding damage to gates, fences, hedges)
Flood Damage
Subsidence
Accidental Damage

Premium £1.10 per £1000

Damage caused by:

Fire Explosion & Lightning
Storm/Flood
Malicious Damage (no cover if home is unoccupied more than 30 days)
Damage caused by escape of water

Additional cover on contents of freezer (subject to the freezer being less than 10 years old) and loss not due to industrial action or deliberate restriction by the supply authority £250 sum insured automatically covered, this can be increased if this amount is not sufficient.

THEFT OF CONTENTS

Premium 75p per £1000

Theft must be accompanied by forcible entry or exit Theft must be accompanied by forcible entry or exit. Theft from a vehicle is limited to a total amount of £1500.

ACCIDENTAL DAMAGE

Premium £1.50 per £1000

PERSONAL & PUBLIC LIABILITY

Liability cover up to £2,000,000
No additional premium

ALTERNATIVE ACCOMMODATION or LOSS OF RENT (for properties rented out)

Premium £1.10 per £1000 – to a maximum of 20% of the insured value of the buildings or contents. The cost of alternative accommodation or loss of rent if the Insured premises are deemed uninhabitable due to damage caused by any of the insured risks.

PEDAL CYCLES

No additional premium for cycles valued below £1000 each, over this value can be charged as an All Risk item.
Details, Make , Model, frame and value is required.

ALL RISKS

Premium £1.00 per £100

Unspecified Items/ Specified Items:-

Personal effects
Jewellery
Laptops
Valuables
Mobile phones
Cameras
Sports equipment
Musical instruments
Hearing aids
Clothing etc

Under the unspecified section (items with a value not exceeding £1500 for each item, the total sum insured to represent the maximum total sums insured for this section.

An item with a value exceeding £1500 must be specified separately and for jewellery items with a value exceeding £2000 a valuation will be required.

Firearms and invalid carriages must be specified.