Legal information

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The following legal information is only applicable to policies taken out with Nationwide Building Society. If your policy was taken out with Portman Building Society please refer to the legal information in your policy booklet.

Home insurance: important information

The insurer

Nationwide building and contents insurance is underwritten by Churchill Insurance Company Limited. Conditions apply. Churchill Insurance Company Ltd is authorised and regulated by the Financial Services Authority. Registered address: Churchill Insurance Limited, Churchill Court, Westmoreland Road, Bromley, Kent, BR1 1DP. Home Emergency and Legal Assistance are underwritten by DAS Legal Expenses Insurance Company Limited, which is authorised and regulated by the Financial Services Authority.

Any problems

First class service is what you expect from Nationwide, and what we aim to provide. If you feel our service falls short of this, please:

Further details can be found in our leaflet "A complaint - how we put it right?"

If we cannot settle a complaint to your satisfaction through our internal complaints procedure, you may refer the matter to the Financial Ombudsman Service (FOS). Referral to the FOS does not affect your right to take legal action against the Insurer or Nationwide.

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.

Further information about the compensation scheme arrangements is available from the FSCS on telephone number 020 7892 7300.

Calls may be recorded.

General information

Unless otherwise agreed, English law will apply and all communications and documentation in relation to this policy will be in English.

Nationwide Building Society is authorised and regulated by the Financial Services Authority for life assurance, pensions, unit trusts, insurance and regulated mortgages.

Nationwide Building Society, Nationwide House, Pipers Way, Swindon, SN38 1NW. You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

Nationwide will not provide you with any advice or recommendation as to the suitability of the insurance products in these product information pages, so that you can make your own informed decisions.

Always give us accurate information

It is essential you give us accurate information and tell us about anything that might affect your application. If you don't, we may not be able to pay any claims you make.

Always check to see if you are covered elsewhere

There's no point in having duplicate cover, because you are unlikely to be able to make the same claim twice, even if you've been paying for two policies.

Stay covered when you switch

If you have existing cover and want to switch to us, make sure that your new Nationwide policy starts as soon as your old one ends.

Regularly review your insurance needs

Your circumstances may change over time. Remember to regularly review your insurance needs including your level of cover and tell us of any changes you want to make. Your premiums may increase if you require additional cover, so you may need to take your other financial commitments into account.

Make sure you understand what you're getting

Please ensure that this policy is right for you and that you understand what is and is not covered. We cannot pay a claim for something that's not covered and we won't be able to refund premiums for the period that we've provided cover for. So if there's anything you don't fully understand, please ask us to explain it to you before you go ahead. That's what we're here for.
 
 
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