Bodily injury or injuries caused directly by accidental means or by unavoidable exposure to the natural elements which within 104 weeks from the date of the accident or exposure results in the death or disablement of the insured person. As defined in section 4 loss of income and section 6 personal accident in our church choice policy

Damage caused suddenly, by external means, that isn't expected and isn't deliberate.

Act of persons acting on behalf of or in connection with any organisation which carries out activities directed towards the overthrowing or influencing by force or violence of Her Majesty’s Government in the United Kingdom or any other Government de jure or de facto. As defined under exclusion which apply to the whole policy in our church choice po [..]

Where the sum insured for property is less than the cost of replacing the whole of that insured property as new, a condition of average will be applied. This means that the amount an insurer will pay in the event a claim occurring will be reduced in proportion to the amount of underinsurance.

An insurance broker or intermediary is a professional firm regulated by the Financial Conduct Authority (FCA) whose primary purpose is to help customers find suitable cost effective insurance protection. Brokers can give advice on numerous issues including support in the event of a claim. Brokers are the agent of the client; they represent the clie [..]

Valuation undertaken by a surveyor to assess the rebuilding costs for your buildings.

The buildings at the premises built of brick, stone or concrete and roofed with slates, tiles, concrete, metal or slabs composed of incombustible material unless otherwise advised to us. Buildings includes its permanent fixtures and fittings, fixed heating and lighting installations, windows (including coloured, painted, engraved or stained glass w [..]

The Federal Financial Supervisory Authority (German: Bundesanstalt für Finanzdienstleistungsaufsicht) also known by its abbreviation BaFin is the financial regulatory authority for Germany. It is an independent federal institution which falls under the supervision of the Federal Ministry of Finance (Germany). International Insurance Company of Hann [..]

Cover for the difference between the income the church would have received from normal activities and the income the business actually received during the 24 months following an incident of insured damage to the church. This is sometimes known as loss of income.