definitions

The following definitions apply to the Forces Plan policy. They can also be found in the full policy wording.

Contents

Household goods which normally stay in the home, including tenant's fixtures, fittings and interior decorations. They must belong to you or your family and be used for private purposes.

Domestic staff

A person employed by you to carry out domestic duties associated with the home and not employed by you in any capacity in connection with any business, trade, profession or employment.

Endorsement(s)

A change to the terms of the policy as shown under Endorsements in the schedule.

Excess

The amount you are required to pay as the first part of each and every claim made.

Family

Your spouse/civil partner/partner, children and any other person all permanently residing with you and not paying a commercial rent. This definition does not apply to domestic staff.

Home

Your normal place of private residence including its garages and outbuildings if they form part of the property.

Military Kit

  • Issued uniforms and kit.
  • Purchased uniforms and kit which are your personal property.
  • Temporary issue service equipment on personal charge to you and for your sole use.

Outbuildings

Sheds, greenhouses, summerhouses and other buildings which do not form part of the structure of the main building of the home and are used or occupied for domestic purposes.

Period of insurance

The dates shown on the schedule and any further monthly period subject to payment of premium being made and accepted.

Personal Possessions

All of the following things provided that they belong to you or your family. You must be legally responsible for them and they must be mainly used for private or military purposes.

Personal effects
This means clothes and articles of a strictly personal nature likely to be worn, used or carried. For example MP3 players, mobile phones, sports equipment and pedal cycles. It does not include valuables or money.

Valuables
This means jewellery (including costume jewellery), articles of or containing gold, silver or other precious metals, cameras (which includes video cameras, camcorders and digital cameras), binoculars, watches, furs, paintings and other works of art, collections of stamps, coins and medals.

Money
This means coins and bank notes in current use, cheques, postal orders, postage stamps which are not part of a collection, trading stamps, premium bonds, saving stamps or certificates, luncheon vouchers, record book or similar tokens, money orders, travel tickets including season tickets, petrol coupons, gift tokens, phonecards, pre-booked event and entertainment tickets and electronic money cards.

Policy

Your policy booklet and most recent schedule which include any endorsements. Click to view full policy wording.

Unfurnished

Without sufficient furniture and furnishings for normal living purposes.

Unoccupied

Not lived in by you or your family for more than 60 consecutive days or occupied by squatters.

You/Your

The person named in the schedule as the policyholder and your spouse/civil partner/partner, children and any other person all permanently residing with you and not paying a commercial rent. This definition does not apply to domestic staff.

We/Us/Our

Within this site, this refers to Cherish Insurance Brokers Limited unless otherwise specified. Within the full policy wording, it refers to AXA Insurance UK plc unless otherwise stated.