Mrs D Barton & Mr C Barton

Little Hoot Oast

Church Lane
West Farleigh
Maidstone
Kent
ME15 0DT

10/09/2009

Dear Mrs Barton & Mr Barton

Your UKinsuranceNET AXA Universal Property Insurance Statement of Demands and Needs

In arranging this policy we have provided a full advice and recommendation service. This means we
have considered your circumstances and are satisfied that this policy meets your requirements.

We have recommended the most appropriate policy for your needs from our panel of insurers. Our
recommendation is based upon the information you gave us when you originally insured this property
together with any additional information you have provided since that time. A summary of this
information is contained in the Basis of Quotation enclosed. If for any reason this information is
incorrect or has changed, please notify us immediately.

Your requirements:-
You are responsible for insuring the following residential properties:

Post Code Address Property Built Year

ME14 1UX 10 Woollett Street, Maidstone 1900

After discussing your demands & Needs you have decided that you want your policy to include the
following benefits: -

Post Code Buildings Buildings Buildings Contents Contents Contents Malicious

Insurance Accidental Liability Insurance Accidental Liability Damage By
Damage Cover Damage Cover Tenant
ME14 1UX Yes Yes Yes No No Yes Included

We have recommended this policy because:-

The premium is very competitive, compared to other insurers we deal with

Property owners legal liability cover of up to £5,000,000 is included as standard

The policy provides cover for damage to underground services caused by a single identifiable
event

The policy includes Accidental Damage cover to underground services supplying the
Buildings for which the insured is responsible

Index Linking is included under the building section. The sums insured are adjusted each
month to take account of inflation

The policy will remain in force for 12 months from the date of commencement and is
renewable annually

Cover includes the replacement of locks following loss or theft of keys - limit - £1,000 any
one claim

Terrorism cover is excluded under the standard policy, (some cover is available as an optional
extra for which a quote can be provided and a seperate policy issued)

Cover of £10,000,000 is included in respect of your legal liability to pay compensation for
accidental bodily injury to a domestic employees

The policy offers comprehensive cover for the owners of blocks of flats, and private dwellings

"All Risks" cover including subsidence is included as standard being subject to certain
exclusions

Cover in included for tracing and making good leaking underground pipes, drains and cables
up to £25,000 in any period of insurance

Cover of up to £25,000 is included for damage to landscaped gardens caused by Emergency
Services

Loss of Rent and Alternative Accomodation cover is provided as standard. If the property is
rendered uninhabitable as a result of loss or damage by an insured peril, then the insurer will
pay the reasonable alternative accommodation expenses up to a maximum of 20% of the
buildings sum assured

Malicious damage by tenants to buildings is covered as standard by this policy.

We would like to make you aware of the following significant points:-

The various liability sections included under this policy do not meet your legal requirement as
an employer to hold Employer’s Liability Insurance

The cost of replacing any undamaged item or part of any item just because it forms part of a
set, suite, or one of a number of items of a similar type, colour or design is excluded

Damage arising from any building work comprising of alterations, renovations, additions and
repairs to the building is excluded

The policy does not cover loss or damage arising from wear and tear, settlement or shrinkage,
action of light, wet or dry rot, corrosion, pets, vermin, fungus, infestation, damp, rust,
atmospheric climatic or weather conditions or any gradually operating cause, faulty design,
specification, workmanship or materials, any building work comprising of alterations
renovations additions or repairs to the buildings

The policy is subject to a material facts condition, this means that any material information
provided by you to your insurer is to the best of your knowledge and belief deemed to be true.
In the event of misrepresentation misdescription or non-disclosure of any information then this
policy will be voidable

You must inform your insurer before you start any conversions, extensions or other structural
work to the buildings. When they receive this notice they have the option to change the
conditions of this insurance

You must meet all current local and national authority regulations govening rented
accommodation. Failure to do so could result in your insurer failng to pay a claim

The property must be maintained in a good state of repair and reasonable precautions must be
taken to avoid any loss

Exclusions apply when the flat, or block of flats, or private dwelling house becomes empty.
We must be notified immediately whenever a block of flats or private dwelling house becomes
empty.

Terms and conditions apply regarding unoccupancy and when any property is left without an
occupant for more than 30 consecutive days.

Additional Issues Discussed -

You have stated you do not require Legal Expenses Insurance

We would recommend that you check the copy application and policy document very carefully to
ensure that this policy fully meets your requirements.

It is also your responsibility to inform your insurers of any material change to your circumstances as
soon as possible so that these may be recorded and, where appropriate, revised documentation issued.
Failure to provide your insurers with details of changes to the risk, may affect the cover provided by
this insurance and thus your insurer’s liability for future claims.
Should you have any queries or if any of the above information is incorrect, please do not hesitate to
contact us.

Yours sincerely

Sales Department

UKINSURANCENET