Insurance Product Information Document

Company: Caversham Insurance Limited.
Product: Product Insurance Cover

Caversham Insurance Limited is registered in Gibraltar and our head office is at Suite 827 Europort, PO Box 708, Gibraltar GX11 1AA. Caversham Insurance Limited is authorised by the Gibraltar Financial Services Commission and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority, registration number 447558.

This document contains some important facts about your Product Insurance Cover from Caversham Insurance Limited ("the Policy"). This summary does not contain the full terms and conditions so you should read it together with the full Policy Terms and Conditions to make sure that you understand the cover it provides and decide whether you need it. Keep this document together with your hire purchase agreement and the Policy Terms and Conditions.

What is this insurance?

During the term of your hire purchase agreement only, this Policy provides cover for loss arising from the theft of your hire purchase goods or any loss or damage to them caused by fire or accident. It does not cover loss or damage to anything other than hire purchase goods provided by BrightHouse. Your weekly insurance premium can be found in your Policy Terms and Conditions.

  What is insured?

✔ Fire
✔ Theft
✔ Accidental Damage

  What is not insured?  

Damage, or loss to, or caused by:
✗ Goods which are lost i.e. goods which have been misplaced and can no longer be located
✗ Normal wear and tear or gradual deterioration
✗ Any process of renovation or repair
✗ Climatic conditions, storms, flood, civil commotion or war
✗ Dismantling in whole or part, or any repair attempted by any person other than a BrightHouse approved Technician
✗ Commercial use
✗ Wilful acts of neglect or misuse
✗ Using the product outside of the manufacturer's specifications and design
✗ The theft of hire purchase goods from your premises where there is no evidence of forcible or violent entry to your premises
✗ Product failure or the cost of routine maintenance
✗ Compact discs, DVDs or any device which stores data electronically

  Are there any restrictions on cover?

! Cover applies only when the hire purchase goods are kept in your premises in accordance with the hire purchase agreement and while they are in transit, and in your custody, between a BrightHouse store and your premises. The insurance will not cover the hire purchase goods when they are located within a temporary building, site, hut, tent, boat (including a narrow boat), caravan (whether mobile or fixed site) or mobile home. For cover anywhere else you will need to secure written consent from BrightHouse. Portable electronic items temporarily removed from the premises are covered but only if they in your custody.

  Where am I covered?

✔ England
✔ Scotland
✔ Wales

  What are my obligations?

• If you need to make a claim, you should contact the BrightHouse store at which your hire purchase agreement is administered or BrightHouse’s Customer Relations Department on 0800 526 069.
• You must comply with all of the obligations imposed upon you under the hire purchase agreement, including providing us at all times with honest, complete and accurate information.
• You must notify the police in the case of theft and submit a claim form and the police crime number to BrightHouse (or such other company or person as we may specify in writing from time to time) as soon as possible after the theft or damage.
• You must give to us or our employees or agents such assistance and co-operation as we or they may reasonably require, including giving us or them access to the goods insured and/or the premises at all reasonable times for the purpose of inspection, repair, adjustment or removal. You must take all reasonable steps to prevent any theft of, or damage to, the hire purchase goods insured.
• This Policy is personal to you. You may not transfer or assign it (or any of your rights or duties under it) to any other person.

  When and how do I pay?

Payment should be made on the same date your weekly payment is due under your hire purchase agreement at your local BrightHouse store or by automated card payment (EasyPay).

  When does the cover start and end?

Your Policy will be in place whilst you continue to pay the required premium - renewing each week - until your hire purchase agreement ends or until you cancel the Policy. The Policy will lapse and will cease to provide any cover if you do not pay the required premium. Full details of the Policy are specified in your Policy Terms and Conditions.

  How do I cancel the contract?

We can end the Policy by giving you 30 days' prior written notice or you can end it by writing to or telephoning your designated store or BrightHouse’s Customer Relations Department on 0800 526 069.