General Do's and Don'ts
DUTY OF DISCLOSURE
- DO inform your insurer of any inaccuracies, and disclose all material facts whether or not the subject of a specific question, as failure to do so may invalidate your contract of insurance or result in a claim being rejected
- DO notify your insurer if there is any material alteration to your circumstances
- DO ensure your premium is paid in full within the specified timescale
- DON’T default on your direct debit / monthly repayments
SURVEY & FORMS
- DO complete all survey requirements, proposal forms and periodic declaration forms within the specified timescales
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Property Do's and Don'ts
In respect of buildings or parts thereof which are unoccupied:-
- DO make the buildings secure against illegal entry
- DO inspect the buildings in accordance with your insurer’s terms (e.g. weekly) and immediately repair any damage
- DO switch off all services at the mains and drain where applicable
- DO remove all combustible debris and waste from the premises
- DO board / seal all windows and letter flaps
- DON’T allow smoking on your premises
- DO display prominent signs to this effect
If smoking is allowed in specifically designated external areas:-
- DO provide appropriate receptacles for waste materials and keep these a safe distance from the buildings
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Liability Do's and Don'ts
BUSINESS ACTIVITIES – RESTRICTIONS
- DON’T carry out any business activities which have not been disclosed by you to your insurer
- DON’T work above any height limit detailed within your policy (e.g. 10 metres, 4 storeys)
- DON’T work below any depth limit detailed within your policy (e.g. 1 metre, 3 metres)
Unless the activity is already expressly covered within the wording of your policy, DON’T carry out any work at height, at depth, involving the application of heat, involving hazardous locations or hazardous substances unless the activity has been disclosed to and agreed by your insurer.
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Landlord Do's and Don'ts
- DON’T think agreeing a lease with a tenant means you have no responsibility for your property.
The ‘non-invaldation clause’ only deals with matters ‘beyond your control’, but there is a lot that is within your control.
The Fire Risk (Scotland) Act makes ALL the parties involved in a building responsible for making sure a fire risk assessment is carried out for example.
If you own a food risk, for example, it is not beyond your control that the annual kitchen deep clean is carried out, or that the electrical circuitry and gas supply are staturatoraly inspected.
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