1. Contents Insurance How to work out your Sums Insured Your home and it’s contents are probably your most valuable assets and you need to be sure that they are adequately insured. This guide will assist you in calculating your contents sum insured. Your policy will replace property as new (except household linen, clothing and pedal cycles, where we will take off an amount for wear and tear). In the event of a claim if your sum insured on your schedule is less than the cost of replacing all the contents as new, (less an amount we take off for wear and tear on household linen, clothing and pedal cycles), we will only pay for part of the loss or damage. Therefore you need to make sure your sum insured adequately covers the replacement cost of your contents. You should also be aware that there may be special limits under your policy for certain items. Please refer to your policy booklet and schedule for details of these. If the sum insured you calculate exceeds any such limits please inform your insurance adviser or Tower Insurance. The value of items such as jewellery often fluctuates independently of inflation. You should therefore regularly value these items, to ensure that their full value is insured. Remember to keep your insurance up-to-date by informing your insurance adviser or Tower Insurance when new articles are acquired. The checklist on the following page will help you to work out the sum insured for your contents inside your home. If you require cover for any items outside your home please refer to the All Risks section on the back page of this leaflet Contents Checklist The following checklist will help you to work out your contents sum insured. Simply establish on a room by room basis, the replacement figure at today’s prices and state the amount in the space provided. Then add up all of the boxes to calculate your total contents sums insured. If you have any queries please contact your insurance adviser or Tower Insurance. Tower Insurance Company Limited. Registered in the Isle of Man No. 521 Registered Office Jubilee Buildings, 1 Victoria Street, Douglas, Isle of Man, IM99 1BF Authorised & Regulated by the Isle of Man Government Insurance & Pensions Authority Covered by the Isle of Man Financial Service Ombudsman scheme Tower Insurance Company Limited is a member of the RSA Group of Companies

2. All Risks The following options provide cover both inside and outside the home for accidental loss or damage. Cover is provided throughout the European Union no time limits and elsewhere worldwide for up to 60 days in any one year of insurance. Personal Belongings Cover: Personal items except for sports Equipment and Pedal Cycles which must be covered under the separate options. The minimum sum insured is £2,000 and there is a maximum limit for any one item of £1,000. Any items over this limit should be specified on your policy. Money & Credit Cards Cover: Money up to £500 and misuse of Credit Cards up to £500. Sports Equipment Cover: Any items you use to take part in any sporting activity including specialised sports clothing. The minimum sum insured is £1,000 and there is a maximum limit for any one item of £1,000. Any items over this limit should be specified on your policy. Pedal Cycles Cover: Any Pedal Cycle which is not motorised. There is no limit on the number of cycles you can cover as long as the individual value of each cycle does not exceed £500. If you wish to include a cycle valued above £500, this should be specified on your policy. If you require any of the above, please contact your insurance advisor or Tower Insurance, who will be happy to help you calculate the sum insured for these personal belongings. All Risks Tower Insurance Company Limited. Registered in the Isle of Man No. 521 Registered Office Jubilee Buildings, 1 Victoria Street, Douglas, Isle of Man, IM99 1BF Authorised & Regulated by the Isle of Man Government Insurance & Pensions Authority Covered by the Isle of Man Financial Service Ombudsman scheme Tower Insurance Company Limited is a member of the RSA Group Insurance Group of companies How to work out your Contents Sum Insured