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Instant Home Complimentary Contents Insurance Cover

Instant Home provides customers with complimentary insurance cover for the items you rent.  Please see below details of the policy and the cover it provides.  The Hirer is not required to insure the items rented from Instant Home Ltd against loss or damage for the following perils: fire, lightning, explosion, storm, flood, escape of water from any tank, apparatus or pipe, impact or theft. Loss from theft requires evidence of there being forcible and violent entry/exit. Theft by collusion and accidental damage are specifically excluded.  An excess of £350 will be due for any claim.  The maximum collective value of the items on hire, for any one claim is £15,000.The property where the items are kept must meet the Minimum Security Standards Condition below.

It is a condition precedent to the insurer’s liability that:

a)  Final exit doors must be secured as follows;

i.  timber doors – by mortice deadlocks having five or more levers or conforming to BS3621 with matching boxed striking plate

ii.  aluminium doors – by cylinder mortice lock operating a swinging lock bolt

iii.  PVCu doors – by key operated multi-point locking devices having three or more locking points

iv.  the first closing leaf of double leaf doors must be fitted internally with bolts top and bottom

b)  All other external doors and internal doors leading to common areas or other premises, must be secured:

i.  by the means set out in (a), or

ii.  by key operated security bolts fitted top and bottom

iii.  All opening windows or roof lights accessible from the ground or via roofs pipework or other structures must be secured by key operated locking devices or screwed permanently shut.

iv.  Any security measures stipulated or agreed by us in writing are implemented and in full and effective order.

Any door or window officially designated a fire exit by the Fire Authority is excluded from these requirements.

Alternative insurance cover for the hire items is required if you are unable to fulfil the requirements above.  Evidence of cover should be emailed to customerservice@instanthome.co.uk within 14 days of delivery.