Thank you for choosing this insurance through MyBuilder Plus Limited, an Appointed Representative of 3 Dimensional Insurance Limited. Your insurance has been underwritten on behalf of the insurer named in the schedule. Please read this wording, together with any endorsements and the schedule, very carefully. If anything is not correct, please tell us as soon as possible.
We always try to deliver the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from MyBuilder Plus or the insurer, please contact MyBuilder Plus using the contact details shown in the 'Complaints' section.
Words shown in bold type have the same meaning throughout this policy and are defined below.Act of terrorism
An act, including using or threatening to use force or violence, which:
The most the insurer will pay as shown in your schedule.
Any disease which can be transmitted by means of any substance or agent from any organism to another organism where:
The original contract you entered into with a contractor specifying the scope of work to be carried out for you, as shown in your schedule.
The tradesperson, craftsperson, specialist or other person or company shown in your schedule that you chose and is registered on MyBuilder.com, to carry out work for you and with whom you have entered the contract of works.
The Dispute Resolution process convened by MyBuilder Plus Limited in order to facilitate a resolution between you and your contractor to complete the scope of work specified in the contract of works.
A change to the terms of the policy agreed by us on behalf of the insurer in writing.
Hiscox Insurance Company Limited.
The time for which this policy is in force as shown in your schedule.
This insurance document and the schedule, including any endorsements.
The document showing your name, your address and your insurance details that we sent you when we accepted this insurance or following any subsequent amendment to your cover, whichever is the more recent.
England, Wales, Scotland and Northern Ireland.
MyBuilder Plus Limited, an Appointed Representative of 3 Dimensional Insurance Limited, which is authorised and regulated by the United Kingdom Financial Conduct Authority.
The policyholder named in the schedule and all permanent members of their household who live at the same address.
The insurer will:
If, during the period of insurance and for any reason outside your control, your contractor:
the insurer will pay the additional costs incurred to have the works completed to the standard specified in the contract of works.
The insurer will not:
any loss, damage, claim, cost, expense or other sum, directly or indirectly arising out of, attributable to, or occurring concurrently or in any sequence with a Communicable Disease or the fear or threat (whether actual or perceived) of a Communicable Disease. For the purposes of this endorsement, loss, damage, claim, cost, expense or other sum, includes, but is not limited to, any cost to clean-up, detoxify, remove, monitor or test for a Communicable Disease.
Your schedule will show the amount insured, which is the maximum amount the insurer will pay for each agreed claim. The insurer will not pay any cost incurred by you in preparing a claim.
The insurer will pay, up to the amount insured, all reasonable additional costs beyond the original contract of works value incurred in finishing, rectifying or remedying the works to the specification stated in the contract of works or to comply with applicable building regulations in force when the work specified in the contract of works was carried out.
Any amount owed by you to the contractor, that has not been paid by you, must be applied to the cost of finishing, rectifying or remedying the works to the specification stated in the contract of works. This outstanding amount owed by you will be deducted from any amount the insurer will pay.
In order for us to deal with your claim you must:
If you do not, the insurer may reduce any payment they make under this policy by an amount equal to any detriment they have suffered as a result of your failure to comply with these obligations. You must also comply with any other conditions contained within this policy.
The information you give to us is important as it is used in setting the terms and premium for the policy. You must take reasonable care not to give us information that is untrue, incomplete or inaccurate.
If you deliberately or recklessly provide us with false information, we and the insurer will treat this policy as if it never existed and refuse all claims. You must then repay any payments already made by the insurer under the policy and we will not return the premium to you.
If you acted carelessly when giving us your information, several things could happen:
You must always try to prevent accident or injury and protect your property against loss or damage. If you do not, the insurer may reduce any payment they make under this policy by an amount equal to any detriment they have suffered as a result of your failure to comply with this obligation.
Unless agreed otherwise in writing, this policy is governed by the laws of England, and any disputes in relation to this policy will be dealt with in the courts of England and Wales.
If any claim you make is in any way dishonest, exaggerated or fraudulent then we or the insurer will:
The insurer will not make any payment for a claim under this policy unless you have first participated in Dispute Resolution in earnest.
You must allow access to your property by any tradesperson, craftsperson, specialist or other person approved by MyBuilder Plus Limited in order to assess any work already completed and/or to quote for the completion of the works detailed in the contract of works. If you fail to do so, the insurer may reduce any payment they make under this policy by an amount equal to any detriment they have suffered as a result of your failure to comply with this condition.
No third party will have any right, or be able to enforce any term of this policy, under the Contracts (Rights of Third Parties) Act 1999 or any similar or successor legislation. This does not affect the rights or remedies available to a third party which exists apart from this Act.
If for any reason you feel that this policy is not right for you, you can cancel the policy within 15 days of insuring with us. If you have not made a claim and if the work specified in the contract of works has not been started or completed during these 15 days, we will return your premium in full.
If you cancel your policy after 15 days or the work specified in the contract of works has already started, no premium will be returned to you.
We may cancel this policy, but we will only do so for a valid reason and only after giving you notice in writing, and we will return your premium in full.
This policy is not renewable but you may ask us to extend the period of insurance.
The insurer will not make any payment under this policy unless you have paid the premium due to us.
If you make a claim under the policy and any premium is still due to us, we will deduct any premium that is due to us from any payment made under this policy.
We pride ourselves on providing a first class, reliable and efficient service to all of our customers. Complaints are key to monitoring and improving our service and wherever possible, we seek to prevent recurrence of a problem.
If you wish to make a complaint, we can be contacted at:
The Managing Director
MyBuilder Plus Limited
31a Clerkenwell Close
Alternatively, you may wish to make a complaint to the insurer. Their contact details are as follows:
Hiscox Customer Relations
The Hiscox Building
York YO1 7PR
Telephone: +44 (0)800 116 4627 or +44 (0)1904 681 198
In any communication to us or the insurer, please quote the policy number shown in your schedule.
If you remain dissatisfied after we or the insurer have considered your complaint, you may also be able to refer your complaint to the Financial Ombudsman Service without affecting your legal rights.
Their address is:
The Financial Ombudsman Service
London E14 9SR
Telephone: 0800 023 4567 (calls to this number within the United Kingdom are free on mobile phones and landlines) 0300 123 9123 (calls to this number within the United Kingdom cost no more than 01 and 02 numbers) +44 20 7964 1000 from outside the United Kingdom.
You can access a consumer leaflet or complaint form in alternative languages by visiting www.financial-ombudsman.org.uk/help/languages.html
The Financial Ombudsman Service is an independent service in the United Kingdom for settling disputes between consumers and businesses providing financial services.
You can find more information on the Financial Ombudsman Service at www.financial-ombudsman.org.uk
MyBuilder Plus Limited is authorised and regulated by the Financial Conduct Authority, FRN: 845893. Registered in England and Wales. Registered no: 12063189. Registered office: 31a Clerkenwell Close, London, EC1R 0AT.
We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from our group companies and third parties such as insurers, brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies.
We may record telephone calls to help us monitor and improve the service we provide.