Non-Negligence Liability Insurance (UK)

Liability Insurance (UK)
Insurance Summary
Non-Negligence Liability Insurance (UK)
Insurance Summary
Non-Negligence Liability Insurance (UK) is underwritten by a member of the
QBE Insurance Group (QBE)
This insurance is a non-renewable insurance contract and the period of insurance is applicable to the
duration of the works as specified in the quotation.
This document provides only a summary of the main benefits your insurance policy. An outline of the
policy’s significant features and benefits are set out below together with any significant exclusions or
limitations. For full details of all policy benefits and all terms you should read the policy
Excess or deductible
Most cover sections will carry an ‘excess’ or ‘deductible’ being the first amount of each claim or
occurrence that you must pay and is not covered by your insurance. The amount(s) will be stated in
your quotation or renewal documentation together with a qualification whether the amount will be
applied per claim or per occurrence.
You must notify us of claims and events that may become a claim as soon as practical but always
within the time limitation(s) stated in the policy under the claim conditions.
Significant features and benefits
This insurance policy provides an indemnity to you or the employer (Named Insured) under the
specified contract in respect of any expense liability loss claim or proceedings which the employer may
incur or sustain by reason of damage to any property caused by collapse, subsidence, vibration,
weakening or removal of support or lowering of ground water arising out of or in the course of or by
reason of the carrying out of the contract works.
The policy includes costs and expenses awarded against the Named Insured or incurred in defence of
a claim and such defence costs and expenses are payable in addition to the limit of indemnity.
Significant / Unusual Exclusions or Limitations
The policy document contains a number of exclusions and other limitations. The more significant
exclusions applying that will bar any payment are listed below: QBE will not pay for
a) the first amount of each and every claim as stated as the “excess” in the quotation or renewal offer
document, and
b) cover excludes
liability arising from asbestos and/or asbestos containing materials;
inevitable damage;
iii) claims brought in and awards made in any court outside the United Kingdom;
iv) damage caused by your negligence, omission or default;
v) liability in respect of sums payable under any penalty clause or by way of damages for breach
of contract;
vi) liability arising out pollution or contamination unless caused by a sudden, identifiable,
unintended and unexpected incident;
vii) war or terrorism;
viii) damage to the works, or which is attributable to errors or omissions in the designing of the
Significant limitations that will restrict payment are:
a) The Named Insured must notify us as soon as practicable but in any event within 30 days after
any event or the coming in possession of actual knowledge of damage.
b) You must advise any and all changes to the declared business activity.
Page 2 of 4
Non-Negligence Liability Insurance (UK)
Insurance Summary
The maximum amounts payable as an indemnity are limited to the amount stated in the quotation or
renewal offer document.
Important information
Your right to cancel
Please ensure that the policy is suitable for your requirements since there are no rights of cancellation
on your part. QBE may issue 30 days written notice of cancellation at any time by writing to your last
known address when we will allow a pro rata refund of premium.
Renewing your policy
If QBE are willing to invite renewal of the policy QBE will use best endeavours to tell you at least 21
days before the expiry of the policy the premium and terms and conditions which will apply for the
following year.
Claim notification
Should you wish to make a claim you must notify QBE as soon as practical on receipt of any claim,
suit or becoming aware of circumstances that is likely to lead to a claim. But please read your policy
as specific time limits may apply for claim notification. You may contact QBE at the address shown
Complaint procedure
If you are unhappy with the service provided for any reason or have cause for complaint you should
initially contact the person who arranged the policy for you.
In the event that you remain dissatisfied and where the insurer is or includes a Lloyd’s syndicate it may
be possible in certain circumstances, to refer the matter to the Policyholder and Market Assistance
Department at Lloyd’s, Fidentia House, Walter Burke Way, Chatham Maritime, Kent ME4 4RN,
telephone 020 7327 5693, e-mail [email protected],
If you wish you may contact the insurer directly: QBE Customer Relations at the address below or email: [email protected] or telephone + 44 (0) 20 7105 5988; of fax: + 44 (0) 20 7105
If your complaint is still not resolved to your satisfaction you may refer the matter to the Financial
Ombudsman Service at the following address: Insurance Division, The Financial Ombudsman, Service
South Quay Plaza 2, 183 Marsh Wall, London E14 9SR. Referral to the Financial Ombudsman
Service is available to all private individuals and eligible commercial customers. Making a complaint
does not affect your right to take legal proceedings.
A summary of our complaint handling procedure is available on request and will also be provided to
you when acknowledging a complaint.
QBE is covered by the Financial Services Compensation Scheme. This provides compensation in
case any of its members are unable, in specified circumstances, to meet any valid claims under their
policies. Compensation for non-compulsory insurance will be paid at 90% with no upper limit and at
100% if the insurance is legally compulsory with no upper limit. Compensation is only available to
commercial customers in limited circumstances
Further information can be obtained from QBE at the address below, or from the Financial Services
Compensation Scheme at the following address: Financial Services Compensation Scheme; 10th
Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU; or from their website
Page 3 of 4
Non-Negligence Liability Insurance (UK)
Insurance Summary
Directive Required Information
The law and language applicable to the policy
The law of England and Wales will apply to this contract unless you and the insurer agree otherwise.
The language used in this policy and any communications relating to it will be English.
Your insurer
Your quotation or renewal documentation will state the name of the licenced insurer within the QBE
Insurance Group (QBE) that is providing your insurance cover. It will be one of or a combination of the
following companies.
QBE Insurance (Europe) Limited
QBE Insurance (Europe) Limited is a private company limited by shares (company number 1761561)
and is Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct
Authority and the Prudential Regulation Authority under Registration Number 202842.
QBE Casualty Syndicate 386 and QBE Syndicate 1886
QBE Casualty Syndicate 386 and QBE Syndicate 1886 are managed by QBE Underwriting Limited
(company number 01035198) and are Authorised by the Prudential Regulation Authority and regulated
by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number
You may check these details by visiting the FCA’s website: or by contacting the
FCA on 0845 606 9966. In the event of a complaint please read the procedure above.
Your insurer’s Head Office
The insurer’s home state is the United Kingdom and its Head Office and registered address is:
Plantation Place, 30 Fenchurch Street, London, EC3M 3BD, Tel: 020 7105 4000, Fax:
020 7105 4019. Registered in England No. 1761561
[email protected]
Page 4 of 4
QBE European Operations
Plantation Place
30 Fenchurch Street
tel +44 (0)20 7105 4000
fax +44 (0)20 7105 4019
[email protected]
QBE European Operations is a trading name of QBE Insurance (Europe) Limited, no.01761561 ('QIEL'), QBE Underwriting Limited, no. 01035198 ('QUL'), QBE Management Services (UK)
Limited, no. 03153567 ('QMSUK') and QBE Underwriting Services (UK) Limited, no. 02262145 ('QSUK'), whose registered offices are at Plantation Place, 30 Fenchurch Street, London,
EC3M 3BD. All four companies are incorporated in England and Wales. QIEL and QUL are Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct
Authority and the Prudential Regulation Authority. QUL is a Lloyd's managing agent. QMSUK and QSUK are both Appointed Representatives of QIEL and QUL.