Ms Rebecca Marsh
Ryde Town Council & Network Ryde 42 Quay Street
Newport
Isle Of Wight PO30 5BA
This insurance policy, which meets your demands and needs, has been based on the latest information obtained from you. The Policy, the Policy Schedule, any Certificates of Insurance and Endorsements form one document and should be read together. This Schedule replaces any previous Schedule.
Policy Number YLL-2720870673
Insured Ryde Town Council & Network Ryde
Business Parish / Town Council Period of Insurance
From 22nd June 2025
To 21st June 2026
and any other period for which cover has been agreed. Renewal Premium £ 2,245.78
Premiums are inclusive of Insurance Premium Tax and/or VAT as appropriate. Schedule Number 151252610
Long Term Agreement: Not Applicable
Preparation Date 29th May 2025
Prepared by Mr Matthew Murray
Policy Form Reference MLAACH09 Policy Cover Declaration:
You, the Insured, are not aware of any known losses or events that could give rise to a claim, or circumstances that would be prejudicial to us, the Insurer, should the basis of cover on the below given insurance product (s) be changed.
This is important information, please read it carefully and check that the facts given about you are correct and that we have included all the covers that you require. We are unable to give you advice so it is your responsibility to check the cover is correct for your organisation.
Statement of Fact
If you provide services or activities to children, or adults who are in need of care and support and therefore may be unable to protect themselves against abuse or neglect:
Your organisation has not had any third-party inspections with a grading of Inadequate, Requires Urgent Improvement, Weak or Unsatisfactory
You have in place a written safeguarding policy and accompanying procedures that clearly set out the actions to take in response to child and vulnerable adult abuse
You carry out safer recruitment and selection processes that include the seeking of appropriate criminal records checks, alongside a renewal and update process
All Employees and volunteers engaged in regulated activity and/or activity that brings them into contact with children or vulnerable adults receive safeguarding awareness training including refresher training
You have one or more designated practitioners for safeguarding to support other practitioners in the organisation to recognise and respond to concerns about Abuse
You retain employment records, safeguarding checks, safeguarding policies and procedures and safeguarding records for at least the prevailing regulatory best practice period.
If you provide services or activities to children, or adults who are in need of care and support and therefore may be unable to protect themselves against abuse or neglect, and you become non-compliant with any of the above statements, you must tell us, as it may affect your ability to claim under this policy.
Important information
We require that you take reasonable care in managing your activities. Where appropriate this requires you to do the following:
Keep written risk assessments for your key activities
Keep written records of your staff and volunteer training. For example, manual handling training, or for use of tools and machinery
Abide by any rules, guidelines or advice that is given to you by any relevant authority, such as a Local Authority, or the Health and Safety Executive
We want you to be confident about your insurance and understand what is required of you. Please contact us if you have any questions relating to the above.
Lines of Cover applying
All as described in
the Certificate of Motor Insurance
£ 150
Accidental Damage , Fire , Theft , Windscreen , Theft total loss
£ Nil
Third party
Additional to any other excess which applies
Cover: Section 23
A. Comprehensive
Damage to Property Limit:
£5,000,000 Applicable to any Commercial Vehicle, Minibus, Agricultural Vehicle and Special Type
£50,000,000 Applicable to any Private Motor Car
Personal Effects Limit: | £150 | Medical Expenses Limit: | £250 | |
Section 13 | Section 14 |
Section 12
£Nil
Continuing Hire Charges Not Operative
Occasional Business Use Not Operative
Loss of No Claim Discount/Excess Not Operative
Hiring Charges Not Operative
Termination Charges Not Operative
None
None
General Notes
Fair presentation of the risk
You must make a fair presentation of the risk to us at inception, renewal and variation of your policy. This means that we must be told about all facts and circumstances which may be material to the risks covered by the policy and that you must not make a misrepresentation to us about any material facts. As part of your duty of fair presentation, you must ensure that the information detailed within the schedule is correct and complete. A material fact is one which would influence the acceptance or assessment of the risk. If you have any doubt about facts considered material, it is in your interests to disclose them to us.
Failure to make a fair presentation of the risk could result in the policy either being avoided, written on different terms or a higher premium being charged, depending on the circumstances surrounding the failure to present the risk fairly.
This policy is compliant with the principles of the Insurance Act 2015 law reforms. It also incorporates an 'opt out' which has the aim to promote good customer outcomes. We have opted-out of the ‘proportionate reduction of claim remedy’ available to insurers under the Insurance Act 2015. This means that in cases of non-disclosure or misrepresentation which are neither deliberate nor reckless, if we would have charged an additional premium had we known the relevant facts, we will charge that premium and pay any claims in full rather than reducing claims payments in proportion to the amount of premium that would have been charged.
We believe that our ‘additional premium approach’ should, in most situations, be more favourable to our customers when compared to the proportionate reduction of claim remedy. Our additional premium approach does not affect our right to apply the other remedies available under the Act for non-disclosure or misrepresentation.
Cancellation
All insurance policies run for a fixed period of time. The Insured can terminate an insurance contract verbally or in writing at any time by calling 0800 917 9531 or emailing Customers.team@uk.zurich.com. Zurich may cancel the policy by giving 30 days’ notice in writing. In such an event the insured will be entitled to a return of premium in respect of the unexpired portion of the period of insurance.
If you cancel your policy before the start date, you will be entitled to a full refund of premium. If you cancel within 14 days of the start date, you will be entitled to a full refund of premium, providing no claim has been made. After 14 days, if no claim has been made, we may offer a full or partial refund, depending on the time the policy was on risk and the circumstances at the time of the cancellation request. Please note, a cancellation charge of £50 may be applied.
Bonus and fee structure
Employees and businesses who carry out work for ZIC UK are remunerated in various different ways for selling insurance contracts. Employees receive a basic salary and also receive a bonus based on a number of factors, including the achievement of sales and quality targets. Businesses which work for the insurer on an outsourced basis receive a fee and also additional payments based on a number of factors, including the achievement of sales and quality targets.
Claims contact information
Although we'd all like to control the future, sometimes accidents are unavoidable. That's why we've made it as easy as possible to make a claim. More information can be found here. Ready to make a claim? Please use the contact details below to ensure you’re connected to the right team:
Type of Claim | Claims team | Claims contact details |
Buildings, contents including ‘All Risks’ items | Property Claims | Online: https://propertyclaims.zurich.co.uk/index.html Tel: 0800 028 0336 Email: farnboroughpropertyclaims@uk.zurich.com Address: Zurich Municipal Property Claims, PO Box 3303, Interface Business Park, Swindon, SN4 8WF |
Business interruption | ||
Money | ||
Works in progress | ||
Public liability | Liability Claims | Online: https://liabilityclaims.zurich.co.uk/index.html Tel: 0800 783 0692 Address: Zurich Municipal Casualty Claims, Zurich House, 1 Gladiator Way, Farnborough, Hampshire, GU14 6GB |
Employers liability | ||
Personal assault under Money | ||
Personal accident | ||
Financial and administrative liability | ||
Motor Claims | Motor Claims | Online: https://motorclaims.zurich.co.uk/index.html Tel: 0800 916 8872 Email: zmnewmotorclaims@uk.zurich.com Address: Zurich Municipal Motor Claims, PO Box 3322, Interface Business Park, Swindon, SN4 8XW |
Legal Expenses | DAS Legal Claims | Tel: 0117 934 2116 |
You can make a claim using the online portal, by email or phone using the contact details above.
A claim form may be sent for you to complete, or you may be asked to send details in writing.
If you have any questions, please call the relevant office for guidance.
For out of hours help/emergency property losses - please contact 0800 028 0336
DAS Head and Registered Office:
DAS Legal Expenses Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FRN202106) and the Prudential Regulation Authority.
DAS Law Limited Head and Registered Office:
DAS Law Limited | North Quay | Temple Back | Bristol | BS1 6FL
Registered in England and Wales | Company Number 5417859 Website: www.daslaw.co.uk
DAS Law Limited is authorised and regulated by the Solicitors Regulation Authority (registered number 423113).
Zurich Municipal is a trading name of Zurich Insurance Company Ltd. A public limited company incorporated in Switzerland. Registered in the Canton of Zurich, No. CHE-105.833.114, registered offices at Mythenquai 2, 8002 Zurich. UK Branch registered in England and Wales no BR000105. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ.
Zurich Insurance Company Ltd is authorised and regulated in Switzerland by the Swiss Financial Market Supervisory Authority FINMA. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request. Our firm reference number is 959113.
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