For UK customers only

Gardens

What is covered?

Generally speaking, Norwich Union's household policies provide cover for contents of outbuildings, garages and garden sheds as well as for garden items, which are temporarily in the open.

Cover is available as follows:

COVER	Norwich Union Direct	Your house (available only through brokers)	Home Plus(available only through brokers)
Contents of outbuildings, (including garden sheds) - items such as lawnmowers, garden implements etc. would be covered under this section.	Fire/damage - up to selected sum insured Theft - up to £1,500	Fire/damage - up to the selected sum insured Theft - up to £2,500 from outbuildings other than garages	Fire/damage - up to the selected sum insured Theft - up to £2,500 for theft from outbuildings other than garages(can be increased up to £5,000 for an additional premium)
Items left in the garden or on a drive (known as "contents temporarily in the open") - this includes garden furniture and barbecues - the sort of items which could be moved inside in the winter, for example	£250 Can be increased to £1250	Up to £1,000	Up to £1,000 - can be increased to £5,000
Items in the garage	Fire/damage - up to selected sum insured Theft - up to £1,500	Up to selected sum insured under the policy	Up to selected sum insured under the policy
Ornaments, garden statues etc are covered as contents in the open	Up to £250	Up to £1,000	up to £1,000-can be increased to £5,000
Garden Cover - for plants/shrubs etc	Optional - increased garden cover up to £,2500	Optional - Home and Gardens package add-on (see below)	Optional - Home and Gardens package add-on (see below)

There is £60 excess on any claim.

Garden cover

Optional add-on to all Norwich Union home insurance policies

• £2,500 for cost of re-landscaping garden (including replacing plants, trees, shrubs)
• Cover against theft, malicious damage, fire, explosion, lightning, malicious persons, riot, theft or attempted theft, collision by vehicles, animals or aircraft and anything dropped by them
• £250 single article limit (ie for one tree, shrub or plant)

There is an excess on any claim, typically £60-£100.

What type of cover is provided?

• Cover includes vandalism, theft, fire, storm etc.
• Where possible, we will endeavour to replace items rather than offering a cash settlement

What is not covered?

• The standard policies do not offer cover plants, shrubs, trees, greenhouse heating failure etc. (Except for Home & Gardens package – see below)
• Bicycles are not covered under the Contents section if left in your garden or on your drive. (Unless additional bicycle cover has been taken)
• Certain losses are excluded if the property has been left unoccupied or if unfurnished for over 30 days or more with Norwich Union Direct or 60 days under most other NU policies.

Buildings cover vs contents cover?

• If ornaments, statues etc are not fixed to the ground, they are covered by contents insurance, but if they are permanently secured, they are covered by your buildings insurance.
• Fences, gates, garden walls and hedges would be covered under the buildings section of a household policy - but fences, gates and hedges are not covered for storm or flood damage.

Garden cover
Optional add-on to all Norwich Union home insurance policies

• £2,500 for cost of re-landscaping garden (including replacing plants, trees, shrubs)
• Cover against theft, malicious damage, fire, explosion, lightning, malicious persons, riot, theft or attempted theft, collision by vehicles, animals or aircraft and anything dropped by them
• £250 single article limit (ie for one tree, shrub or plant)
• Policy excess – £60

Norwich Union – March 2007