Important Information

Status Disclosure

Cornhill Direct is a trading name of Allianz Insurance plc. You will not receive advice or a recommendation from us. We only offer our own product for household insurance.

Data Protection Act Notification

The Data Controller is Allianz Insurance plc (the insurer).

The insurer and its associated companies may use the personal data that you supplied for the purposes of insurance administration. This data may be disclosed to the insurers and regulatory bodies such as the Financial Services Authority (FSA) for the purposes of administering and regulating your insurance. Your information may also be used for offering renewal, conducting research, statistical purposes and crime prevention. We may share these details with other insurance organisations (such as Loss Adjustors, or Investigators) to help handle claims.

Your personal details may be transferred to countries outside the EU. They will at all times be held securely and handled with the utmost care in accordance with all principles of the UK law.

We will store your details but will not keep them for longer than necessary. Under the terms of the Data Protection Act 1998 you are entitled to a copy of all the information we hold about you for which we may charge you a fee.

We may share your details with other companies within the Allianz (UK) Group or pass them to third parties so that we, or the third parties, may tell you of products and services which we think may interest you by telephone, or post. If you do not want to know about these products or services, please write to us at Cornhill Direct, FREEPOST NATW263, Bristol BS32 4BR

Fraud Prevention, Detection and Claims History

Insurers pass information to the Claims Underwriting Exchange register, run by Insurance Database Services Ltd (IDS Ltd). The aim is to help us check information provided and also to prevent fraudulent claims. We may at any time search the register including when we deal with your request for insurance. Under the conditions of your policy you must tell us about an incident (such as a fire or a theft) which may or may not give rise to a claim. When you tell us about an incident we will pass information relating to it to the database. We can supply more information on the database if you request it. You should show this notice to anyone who has an interest in property insured under this policy.

Allianz Insurance plc may seek information from other insurers and information agencies to check the information you may have supplied and Allianz Insurance plc may provide the information you have supplied to other insurers for the same purpose.

If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.

Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

• Checking details on applications for credit and credit related or other facilities
• Managing credit and credit related accounts or facilities
• Recovering debt
• Checking details on proposals and claims for all types of insurance
• Checking details of job applicants and employees

Please contact us on 0844 3914 108 if you want to receive details of the relevant fraud prevention agencies.

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

Law and Language applicable to Contract

Unless we agree otherwise:
a) the language of the policy and all communications relating to it will be English; and
b) English Law will apply to this contract of insurance.

Complaints Procedure

Our aim is to get it right, first time, every time. If we make a mistake we will try to put it right promptly. We will always confirm to you the receipt of your complaint within five working days and do our best to resolve the problem within four weeks. If we cannot we will let you know when an answer may be expected. If we have not sorted out the situation within eight weeks we will provide you with information about the Financial Ombudsman Service:

Please contact the Customer Satisfaction Manager at Cornhill Direct, 2530 The Quadrant, Aztec West, Almondsbury, Bristol BS32 4AW or telephone 0800 072 47 58.

Using our complaints procedure or referral to the Financial Ombudsman Service does not affect your legal rights.

Other information

Cornhill Direct is a trading name of Allianz Insurance plc registered in England no 84638 at 57 Ladymead, Guildford , Surrey GU1 1DB United Kingdom. Allianz Insurance plc is authorised and regulated by the Financial Services Authority, authorisation number 121849. This can be checked by visiting the FSA website at www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

Conditions of Quote

The information that you provide and the declarations that you make when obtaining a quote are the basis of the contract of insurance between you and Allianz Insurance plc.

When providing information in order to obtain your home insurance policy you must ensure all the information given is true and complete and that all material facts are disclosed.

A material fact is one that is likely to influence us in the assessment or acceptance of this risk e.g. intended unoccupancy of the property or any criminal convictions (other than motoring offences). If you are in any doubt as to whether a fact is material, you must disclose it. You can telephone us free phone on 0800 32 88 31.

Failure to ENSURE THE INFORMATION YOU PROVIDE IS TRUE AND COMPLETE AND THAT ALL MATERIAL FACTS HAVE BEEN DISCLOSED may mean that your policy becomes invalid or does not operate in the event of claim.

Conditions of quote

Please confirm that the following statements are true.

Statements about your home:

• My home is my main residence and is permanently occupied solely by me and my family.
• It is maintained in a good state of repair.
• Built of brick, stone, or concrete and is roofed with slate, tile, concrete, metal or asphalt.
• It is not in an area* vulnerable to damage by storms and is not in an area where flooding has taken place in the last ten years.
• It has not been affected by subsidence or heave, cracks or structural movement and is not in an area* subject to subsidence.
• It is self-contained with its own front door.
• It is not used for business purposes other than paperwork, telephone calls and computer work.
• It is not left unoccupied for more than 60 days in a row.
• It is not a listed building.
• It is furnished by myself.

*By area we mean within 300 metres of the boundaries of your property.

Statements about you and any person living with you:

• I am a UK resident/We are UK residents.
• I/We have never had home insurance refused, cancelled, or declared null and void.
• I/We have never had special terms imposed to buildings or contents insurance.
• I/We have never been convicted of any criminal offence, other than motoring convictions, or received a Police caution in the last 5 years (which is not spent) or have any prosecutions pending.

My/My partner's occupation does not fall into one of the following categories: air crew, amusement arcade owner, bookmaker, childminder, croupier, involved in the entertainment industry, furrier, jeweller, market/street trader, model, moneylender, pawnbroker, restaurateur, scrap metal dealer, sports person.

I confirm that the above statements are true and complete to the best of my knowledge and belief.

If you do not agree with the above conditions or you are unsure of any of the terms please contact us on 0800 32 888 31 with your reference number.