You own the beach hut to be insured
The insured beach hut is in England, Scotland, Wales, Isle of Wight or the Isle of Man
Any part of the beach hut, or the buildings (which include the property), will not be used (other than commercially letting your beach hut) for business
The beach hut is constructed of wood /concrete
The beach hut is in a good state of repair and will be maintained as such
You the proposer or any person(s) to be insured by this policy has never been declared bankrupt, charged with/convicted of arson or has any unspent criminal offence (other than motoring offences)
You or any person(s) to be insured has never had any insurance declined, special terms imposed or renewal refused by any insurer
The beach hut will only be used/occupied by you, your immediate family, friends or letting tenants
The beach hut is located in an area free from evidence of, or damage due to subsidence, heave or landslip
You are required by the provisions of the Consumer Insurance (Disclosure and Representations) Act to take care to:
Ensure you have supplied accurate and complete answers to all the questions we or the administrator have asked or may ask as part of your application for cover under the policy.
Make sure that all information supplied as part of your application for cover is true and correct.
Tell us of any changes to the answers you have given as soon as possible.
Failure to provide answers in-line with the requirements of the act may mean that your policy is invalid and that is does not operate in the event of a claim. If the information provided by you is not complete and accurate:
The insurer may cancel your policy and refuse to pay claims.
the insurer may not pay any claim in full, or;
your premium may be revised and/or change the complusory excess, or;
the extent of the cover may be affected.