In these Regulations—

• “the Act” means the Water Act 2014;

• “buildings policy” means a contract of insurance covering the structure of household premises, which may include fixtures and fittings, swimming pools, permanently fixed hot tubs, tennis courts, patios, terraces, service tanks, drains, septic tanks, pipes and cables, central heating fuel storage tanks, driveways, footpaths, garden walls, hedges, gates and fences;

• “combined policy” means a contract of insurance which comprises a buildings policy and a contents policy;

• “contents”, in relation to a dwelling, means household goods and personal possessions, which may include valuables (except fine art), clothes, sports equipment and bicycles, camping equipment, money, satellite dishes, aerials and other articles, which belong to persons who live in the dwelling or for which they are responsible, or which belong to guests in the dwelling (except paying guests);

• “contents policy” means a contract of insurance covering the contents of household premises which consist of a dwelling;

• “contribution” means a sum payable by way of capital contribution by a relevant insurer to the FR Scheme administrator pursuant to a contractual obligation under or by virtue of the FR Scheme;

• “dwelling” means any building, or part of a building, or mobile home in the United Kingdom that is held for private, residential use as a single residential unit, and includes any garage, shed or other building which forms part of, and is enjoyed with, the residential unit;

• “financial year” means a period of 12 months ending on the 31st March;

• “the FR Scheme administrator” means the body designated by the Flood Reinsurance (Scheme and Scheme Administrator Designation) Regulations 20152;

• “the FR Scheme” means the scheme described in the Scheme Document dated 22nd June 2015 and designated as the Flood Reinsurance Scheme by the Flood Reinsurance (Scheme and Scheme Administrator Designation) Regulations 20153;

• “home insurance” means a contract of insurance which—

  1. a

     includes cover for any risk of damage to, or loss or destruction of, either or both—

     1. i

        a dwelling;

     2. ii

        the contents of a dwelling; and

  2. b

     meets the criteria relating to “home insurance” set out in section 4.4 of the FR Scheme;

• “mobile home” means a caravan within the meaning of Part 1 of the Caravan Sites and Control of Development Act 19604 (disregarding the effect of section 13(2) of the Caravan Sites Act 19685) which is occupied by the occupier as their only or main residence;

• “preceding calendar year”, in relation to a financial year, means the year ending on 31st December immediately preceding the financial year.