Policy document Home insurance - great service and better benefits - Cullen Insurances
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policy document
Home insurance
great service and
better benefits
November 2009
Here to help
redefining standardsUseful phone numbers
Welcome to your AXA home
insurance policy
We are one of the largest insurance groups in the world. Here in Ireland, we have
Claims met the needs of homeowners for over 280 years.
If you need to make a claim, please 1890 24 7 365 You chose us because you need protection. You also want a level of service
phone this number day or night.
second to none and, if you need help with claims, we will be there when you
need us most.
This is your policy document. It is the contract that we have made with each
Need emergency repairs?... other. We appreciate insurance can be a complicated business so we have
Ring our 24-hour SOS Line and we'll give 1890 702 702 designed the layout to make it as easy as possible to follow and the Plain English
you advice and assistance. Campaign have checked the wording to make sure it is easy to follow.
Please read it carefully and if you have any questions, please contact your
local AXA branch office or your insurance broker (if any).
Here to help
Please look out for the ‘Here to help’ mark. It will Here to help
help you find your way around our policy document
and let you know about important information.
[1]Contents of your policy
Need to find
something quickly?
Your policy schedule will show the cover you have chosen. Section Page number
Caring for you 4
If the question is... then look at page
My home has been damaged, what do I do? 57 Your policy wording 5
What does claiming do to my premium? 10 Definitions 6
How much of a claim do I have to pay? 13
Understanding your policy 7
If part of a matching set (for example, a three-piece suite)
is destroyed, can I claim for a new set? 8 How we settle claims 8
I discovered water marks on the ceiling, am I insured? 19 No-claims discount 10
If I lose property outside my home, am I covered? 46
Inflation protection 11
Am I covered for property stolen from my garden? 39
What is not covered (General exclusions) 12
Conditions which apply to the whole policy 14
Section A Insurance for the building 18
Section B Insurance for your contents 28
Section C Liability 42
Section D Extended cover for your personal effects and valuables 46
Here to help
Section E Frozen food 48
Section F Extended cover for pedal cycles 49
And if your question is one of these... Section G Money and credit cards 50
Section H Caravan 52
I'm moving house, what do I do?
Section I Personal accident 55
I'm thinking of letting a room, am I covered?
I want to change my cover, how do I do this? Section J AXA SOS line 57
Endorsements 58
Contact your broker (if any) or AXA branch office and they will help you.
[2] [3]Caring for you Your policy wording
There may be times when you feel you do not receive the service you expect This document and any endorsements that are included in
from us. it sets out your and our rights and responsibilities. You've paid
This is our complaints process to help you. good money,
For a complaint about your policy, contact your local AXA Insurance branch. The insurer your contract is with is AXA Insurance Limited
so please take
For a complaint about your claim, contact our claims action line on which is established in Ireland. Both you and we can choose
the time to
1890 24 7 365. the law within the European Union which will apply to the
understand
contract. We propose that Irish Law apply.
what you've
If we cannot sort out your complaint, you can contact our Customer Care bought.
The cover you have bought has many benefits to give you
Department on 1890 21 18 50 or:
peace of mind. However, as with all insurance contracts, there
email: axacustomercare@axa.ie; or
will be circumstances where cover will not apply. These are
write to AXA Insurance, Customer Care, Freepost, Dublin 1.
shown in this document.
If you are unhappy with the way we have dealt with your complaint, you may Please read your policy carefully and keep it in a safe place.
be able to refer the matter to:
the Financial Services Ombudsman’s Bureau, 3rd Floor, Lincoln House, Your policy includes:
Lincoln Place, Dublin 2. Locall: 1890 88 20 90. Fax: 01 6620890. - the policy wording in this booklet;
Here to help
Email: enquiries@financialombudsman.ie
- the schedule; and
Website: www.financialombudsman.ie; or
the Irish Insurance Federation on 01 6761914. - any endorsement that applies.
As long as you have paid or agreed to pay the premium and any further
Our promise to you premium we may need, we will cover injury, loss or damage which happens
We will reply to your complaint within 5 working days. during the period of insurance and provide insurance as described in the
We will investigate your complaint. following pages for these sections you have chosen.
We will keep you informed of progress.
We will do everything possible to sort out your complaint. On behalf of AXA Insurance Limited
We will use feedback from you to improve our service.
Chief Executive
AXA Insurance Limited
Registered number: 136155
Registered Office: Wolfe Tone House, Wolfe Tone Street, Dublin 1
[4] [5]Definitions in this policy Understanding your policy
The following words have the same meaning wherever used in
Where we the policy or schedule. We have designed our policy to help you to understand the cover provided.
explain what a You will find these headings on many of the pages.
We, our, us – AXA Insurance Limited
word means,
that word will You, your – the person named as the policyholder in the
have the same schedule and each member of the policyholder’s family or
What is covered What is not covered
meaning household (but not boarders, lodgers or paying guests) who These sections are printed in black These sections are printed in a red
wherever it is normally live in the policyholder’s home. on a white background and give colour on a pale-red background and
used in the detailed information on the draw your attention to what is not
The schedule – the schedule is part of your policy. It includes
policy or insurance provided. covered by your policy.
your details, the dates of insurance and the property insured.
schedule.
The period of insurance – the period for which we have
accepted your first or any further premium.
Excess – the first part of any claim which you have to pay.
Endorsement – an alteration to the terms of the policy.
The buildings – the private home shown in the schedule and
Here to help the following if they form part of the property:
a Domestic greenhouses, tennis hard courts, swimming
pools, terraces, patios, drives, footpaths, walls, gates,
fences, hedges, decking and septic tanks, all within the
boundaries of the land belonging to the private home.
b Landlord’s fixtures and fittings and decorations inside
the home.
Home – the house, bungalow, apartment, flat or maisonette shown in the Here to help
schedule including its outbuildings and garages all used for domestic purposes.
Unoccupied – not lived in by you or any other person with your permission.
Unfurnished – does not contain enough furniture for normal living purposes.
Standard construction – Built entirely of brick, stone or concrete and roofed
entirely with slates, tiles or with concrete.
We explain other words elsewhere in the policy or schedule.
[6] [7]How we settle claims
You must tell us if the buildings and contents sums insured are not high We will not take off an amount for wear and tear for all your other contents as
enough. If not, you may find that you do not have enough cover and we will not long as the sum insured represents their full value as new at the time of loss
pay the full value of your claim. and you have kept them in good condition.
We will decide to pay the cash value of the loss or damage or we may repair, Other insurance policies
reinstate or replace the lost or damaged property using one of our chosen If any injury, loss or damage is covered by any other insurance, we will not pay
suppliers. We will not reduce the sum insured or monetary limits if you make more than our share. This does not apply to subsection 20 of section B
a claim. (Contents) or section I (Personal accident).
We will take the appropriate excess from all claim payments we make.
Matching sets and suites
We treat one item of a matching set of items or suite of furniture or
sanitaryware or other bathroom fittings as a single item. We will pay you
for individual damaged items but not for the other undamaged pieces.
However, we will pay for replacing undamaged parts of a bathroom suite if we
cannot find replacements to the damaged parts.
Will we take off an amount for wear and tear?
Buildings
If we carry out a repair or reinstatement, we will not take off an amount for wear
and tear as long as the sum insured represents the full reinstatement value of
the building and you have kept the building in good condition.
The full reinstatement value is not necessarily the value you would get if you
sold the property (market value).
Contents
We will take off an amount for:
clothes, furs, household linen;
TV sets, DVD players, camcorders, videos, record players, compact disc
players, ipods, video recorders, home computers, lap top computers, game
consoles and similar equipment including CDs, tapes, records and software
over one year old; or
carpets over five years old.
[8] [9]No-claims discount Inflation protection
For the purpose of working out the no-claims discount, Buildings
Before you a period of insurance is one continuous year between the To help protect you against inflation, we will adjust the sum Remember,
make a small beginning of the policy and the renewal date shown in your insured under the buildings section each month, in line with insure your
claim, remember schedule or between consecutive renewal dates. an appropriate index we have chosen, and each year when buildings
you could lose you renew the policy we will increase the sum insured in line for the
your no-claims If you have consecutive periods of insurance with us without with that index. replacement
discount. Please any incident which may give rise to a claim, we will reduce cost, not
call us if you your premium when you renew the policy in line with our Contents and personal possessions market value.
have any discount scale that applies at the renewal date. We will give To help protect you against inflation, we will amend the sum
questions. you details if you need them. insured under the contents section each month, in line with
an appropriate index we have chosen, and each year when
If during a period of insurance incidents happen giving rise you renew the policy, we will increase the sum insured in line
to claims under the policy, we will reduce the no-claims with that index.
discount to 0%.
The following applies to buildings, contents and personal
If we agree to transfer the interest of the policy to someone Here to help
possessions.
else, we will not transfer any no-claims discount earned. • If an index falls, we will keep the sums insured and
Here to help monetary limits at the same level.
• We do not charge for this inflation protection at the time of the monthly
increase but when you next renew your policy we will adjust your sums
insured as a result.
• Inflation protection will not apply to the monetary limits.
• During the period of repair, after we carry out a repair or replacement for loss
or damage to the building, we will continue to protect the sum insured
against inflation as long as:
a you take reasonable steps to make sure that the repair or replacement
is carried out immediately; and
b the sum insured at the time of the loss or damage represents the
full value.
Although you have the benefits of inflation protection, you should not rely on this
alone to keep the building sum insured at the correct level. The replacement
cost of your building or contents may be growing faster than inflation – perhaps
because of a new extension or new items you have bought. It is a policy
condition to insure for the correct amount – see page 16.
[ 10 ] [ 11 ]What is not covered
General exclusions If we say that we will not cover a claim for these reasons, you must prove
These exclusions apply to the whole policy. otherwise if you want us to pay a claim.
1 Sonic bangs If any part of this exclusion is not valid or cannot be enforced, the other parts
We will not pay for loss or damage caused by pressure waves from aircraft and will still be effective.
other flying objects travelling at or above the speed of sound.
4 Excess
2 Radioactive contamination We will not pay the first €250 of any claim (unless otherwise shown in the
We will not pay for any loss, damage or legal liability directly or indirectly caused policy or schedule).
by or contributed to by or arising from: Claims for subsidence, landslip or ground heave are subject to an excess
a ionising radiation or contamination by radioactivity from any nuclear fuel or of €1,000.
from any nuclear waste from burning nuclear fuel; or
b the radioactive, toxic, explosive or other dangerous properties of any 5 Date change exclusion
explosive nuclear machinery or any part of it. We will not pay for any loss of or damage to any computer equipment,
software or microchip-controlled electrical appliance you own or control, or
3 War and terrorism exclusion for any data lost from any computer, software, database or similar equipment,
Despite any other condition in this insurance or any endorsement that may caused by or arising from that equipment failing to treat any calendar date as
apply, we will not be liable for loss, damage, cost or expense directly or the correct date.
indirectly caused by, resulting from or in connection with any of the following.
a War, riot, revolution or any similar event. 6 Risks to computers
b Any government, public or local authority legally taking or destroying your This policy does not apply to liability, loss, damage, costs or expense directly
property. or indirectly caused by or in connection with:
c Any act of terrorism. a the loss or alteration of or damage to; or
We define an act of terrorism as an act which may include using or b a reduction in how a system works of
threatening force or violence by any person or group, whether acting alone a computer system, hardware programme, software, data-information
or in connection with any organisation or government committed for store, microchip, integrated circuit or similar device in computer equipment
political, religious, ideological or other purposes. This includes the intention or non-computer equipment that results from deliberately or negligently
to influence any government or to put the public or any section of the transferring (electronic or otherwise) a computer programme that contains
public in fear. any damaging code including computer viruses, worms, logic bombs,
or trojan horses.
This exclusion also does not cover liability, loss, damage, costs or expense
resulting from any action taken to control or prevent a, b or c above.
[ 12 ] [ 13 ]Conditions which apply to the
whole policy
You must keep to the following conditions to have the full • makes a claim under the policy, knowing the claim to be false or fraudulent
You must protection of your policy. in any way; or
follow these • makes a claim for any loss or damage you caused deliberately or with
conditions to 1 Changes that may affect your insurance your knowledge.
make sure You must tell us immediately if there are any changes that may The action we can take on top of our other rights are listed below.
you’re covered. affect your insurance. Such changes include, but are not • We will not pay a claim.
limited to, the following: • We will not pay any other claim which has been or will be made under
• You change your address where you normally live the policy.
• You are structurally altering the home or building an • We may declare the policy void. (In other words, it will end without you
extension, re-roofing or carrying out any major repair work receiving any benefit.)
• The home is used for business or as a holiday home • We will be entitled to recover from you the amount of any claim we have
• Your building becomes unoccupied or does not contain already paid under the policy.
enough furniture for normal living purposes • We will not return your premium.
Here to help • Your home is let to tenants or shared with lodgers • We may let the appropriate law enforcement authority know about the
• You have been declared bankrupt or been convicted of circumstances.
any offence or have a prosecution pending other than
a driving offence 4 Claims
We may reassess your cover and premium either immediately or at your next a Reporting a claim
renewal date depending on the information you provide. 1 You or your personal representatives must immediately report any
If you are unsure whether a change will affect your cover you should contact us incident which may lead to a claim under the policy. You can phone us
on 1890 24 7 365.
2 Taking care of your property 2 If the loss or damage involves stealing or malicious damage, you must
You must take all reasonable precautions to avoid injury, loss or damage and tell the Garda Siochana or relevant police authority immediately.
take all reasonable steps to protect your property from loss or damage. You 3 You must take all reasonable steps to get back the missing property.
must keep all your property in good condition. 4 You must immediately send us any writ, summons, letter, claim or other
document.
3 Fraud 5 You must provide, within 60 days, any information and evidence we ask
You must not act in a fraudulent way. If you or anyone acting for you: for, including written estimates and proof of ownership or value.
• fails to reveal or hides a fact likely to influence whether we accept your 6 You must give us all reports, certificates, plans, specifications,
proposal, your renewal, or any adjustment to your policy; information and help that we may need and pay any costs involved.
• fails to reveal or hides a fact likely to influence the cover we provide; b Dealing with the claim
• makes a statement to us or anyone acting on our behalf, knowing the 1 You must not admit any claim made by someone else against you or
statement to be false; make any agreement with them.
• sends us or anyone acting on our behalf a document, knowing the 2 We have the right to negotiate, settle or defend any claim in your name
document to be forged or false; and on your behalf.
3 You must not abandon any property to us for us to deal with.
[ 14 ] [ 15 ]Conditions which apply to the whole policy continued
5 Cancellation
a If you cancel the policy 9 Stamp duty
You may cancel the policy at any time by giving us written notice. We will We have paid or will pay stamp duty to the Revenue Commissioners in line with
refund a percentage of your premium to cover the period of the policy left the conditions of section 113 of the Finance Act, 1990.
to run, provided you have made no claim.
b Cooling off period 10 The value of your buildings
You may also cancel the policy within the first 14 days after receiving the You must, at all times, keep the sum insured at a level which represents the full
policy documents within the first year of insurance. We will refund your full value of the insured building. This means the estimated cost of rebuilding if the
premium providing no claims have been made on your policy. building was totally destroyed.
c If we cancel the policy This is not necessarily the market value of the building.
We may cancel your policy by sending you ten days’ notice by
registered letter to your last known address. We will refund a percentage 11 Premium adjustments
of your premium depending on the period of the policy left to run, provided If a change to your policy results in an extra premium of less than €15, we
you have made no claim. will not charge you.
If a change to your policy results in a refund of premium of less than €15, we
6 Arbitration will not refund the amount.
If a dispute arises under this policy, it should be referred to an arbitrator that
you and we will both appoint. If we cannot agree on an arbitrator, the president
of the incorporated law society will be asked to appoint the arbitrator. If you
dispute any decision we make under this policy, you must do so within
12 months of our decision. If not, we will assume that you do not want to take
the matter further. The decision of the arbitrator will be binding on you and us.
7 Your obligation to keep to the terms and conditions of the policy
This policy will only apply if:
a you keep to the terms, conditions and endorsements and the statements
and answers in the proposal form are true; and
b as far as you know, the statements made and the information given to us,
which form the basis of the contract, are complete and correct.
8 Payments
Any money paid under this policy will be paid in euro in the Republic of Ireland.
[ 16 ] [ 17 ]Section A:
Insurance for your buildings
Please look at your policy schedule to see if you have chosen this section. What is covered What is not covered
What is the most we will pay? 4 Riot, civil commotion, strikes,
We will not pay more than the building sum insured shown in your policy labour and political
schedule or any higher amount which may apply because of inflation protection disturbances
for any one claim under causes 1 to 12, extensions to cover 14, 15 and
optional cover 21. We will also pay any amounts due under extensions to cover 5 Malicious damage We will not cover loss or damage:
13, 16, 17, 18, 19 and 20. a while the home is left unoccupied
or unfurnished for 40 days in a
The policy excess will not be deducted for claims made under extensions to
row or more; or
cover 15, 17 and 19.
b caused by people legally in the
home while the building is let or
What is covered What is not covered sublet.
Your policy covers loss or
damage to the building by the 6 Water escaping from, or frost We will not cover loss or damage
following causes. damage to, a fixed water, caused:
drainage or heating a by subsidence, heave and
1 Fire, lightning, explosion or installation, washing machine, landslip;
earthquake dishwasher, fridgefreezer, b while the home has been
waterbed or fish tank unoccupied or unfurnished for
2 Smoke We will not cover loss or damage 40 days in a row or more;
caused by smog, agricultural, c to walls, floors, ceilings and tiles
forestry or industrial operations or caused by water leaking from
anything which happens gradually. shower units and baths through
seals and grouting
3 Storm or flood We will not cover loss or damage: d to the part or appliance from
a by frost; which the water leaks; or
b by subsidence, heave and e to any fixed water or heating
landslip; installation due to wear and tear,
c to gates, hedges and fences; rust, or anything which happens
d due to wear and tear or anything gradually.
which happens gradually; or
e to roofs built with torch-on felt
which are more than 10 years old
or other felt over five years old.
[ 18 ] [ 19 ]Section A: Insurance for your buildings continued
What is covered What is not covered What is covered What is not covered
7 Subsidence or ground heave We will not cover loss or damage: heave of the site on the buildings
of the site on which the a arising from faulty workmanship, stand, or landslip if you hire any
buildings stand, or landslip faulty design, faulty or poor experts or contractors other than
drains or drainage systems, poor those carrying out emergency
foundations or using faulty work without our permission. We
materials; will have to agree to you hiring
b to or resulting from solid floors or these experts or contractors, and
floor slabs moving, unless the we have the right to choose
foundations of the outside walls experts from our own panel.
are damaged at the same time
and by the same cause; 8 Stealing or attempted stealing We will not cover loss or damage:
c to swimming pools, terraces, a while the home is left unoccupied
patios, drives, paths, service or unfurnished for 40 days in a
tanks, sewers, gates, fences, row or more; or
hedges, tennis courts or walls b while the building is let or sublet
unless the home is damaged or shared unless force and
at the same time and by the violence are used to get in.
same cause;
d caused by structural alterations, 9 Any aircraft, flying object or
demolition, repairs or extensions anything falling from them, or
to the home; a vehicle, train or animal
e caused by normal settlement, hitting your home
shrinkage, expansion, chemical
action or any structures 10 Any radio and television
bedding down; aerials, fittings and masts and
f caused by made-up ground or satellite dishes breaking or
land-filled sites settling or moving; collapsing
g caused by the coast or riverbank
or lake bank wearing away; 11 Oil leaking from a fixed We will not cover loss or damage:
h to the home which happened oil-fired heating installation a caused by pollution or oil spillage
before cover was granted under including smoke damage due if you hire any experts or
this policy; and to a faulty oil-fired heating contractors other than those
i caused by subsidence or ground installation carrying out emergency work
[ 20 ] [ 21 ]Section A: Insurance for your buildings continued
What is covered What is not covered Extensions to your building cover
The buildings section of your policy also includes the following cover.
without our permission. We will
have to agree to you hiring these
What is covered What is not covered
experts or contractors, and we
have the right to choose experts 13 Removing debris and We will not cover any cost for
from our own panel; building fees keeping to requirements or
b to the part or appliance from If there has been loss or regulations resulting from a notice
which the oil leaked; or damage which is covered under served on you or anyone leasing
c to any fixed domestic heating section A, we will pay for: or renting the property;
installation due to wear and tear, a the cost of removing debris; a before the destruction or damage
rust, or anything that happens b architects’, surveyors’ and happened; or
gradually; or consulting engineers’ fees b for the undamaged parts of the
d while the home has been you need to pay which are building.
unoccupied or unfurnished for 40 reasonable to reinstate your
days in a row or more; building but not for preparing
any claim; and
12 Falling trees or branches We will not cover: c the extra cost of reinstating
a loss or damage caused by felling, the building that you have to
lopping or topping trees; pay to keep to legal
b loss or damage to gates, hedges, regulations or local-authority
walls and fences unless the home bye-laws.
is damaged at the same time; The most we will pay for any
and one claim is 10% of the building
c the cost of removing the fallen sum insured.
tree if it has not damaged
the home. 14 Damage to underground
services
We will cover accidental
damage to:
a cables and underground
pipes which extend from
the buildings to the public
mains; and
[ 22 ] [ 23 ]Section A: Insurance for your buildings continued
What is covered What is not covered What is covered What is not covered
b septic tanks and drain 17 Replacing locks We will not cover the cost of
inspection covers. We will pay the cost of replacing replacing keys and locks to a garage
locks (including keys) to any or outbuilding.
15 Breakage of fixed glass and We will not cover loss or damage: outside door of the home or any
sanitaryware a while the home is left unoccupied domestic safe or intruder alarm
We will cover accidental or unfurnished for 40 days in protecting the home if the keys
breakage of: a row or more; or have been stolen from the home.
a fixed glass in windows, b to ceramic hobs or tops in We will not pay more than €750
doors, fanlights, skylight, moveable cookers. for any one claim under the
domestic greenhouses, buildings or contents section.
conservatories, porches and
verandas; 18 Fire brigade charges
b ceramic hobs or tops of We will pay charges made by a
cookers; and local authority in line with the
c fixed sanitaryware and conditions of the Fire Services Act
bathroom fittings. 1981 to control or put out a fire
affecting your property in
16 Loss of rent and the cost of circumstances which have given
other accommodation rise to a valid claim under the policy.
If you cannot live in your home We will not pay more than €2,600
because of loss or damage by for any one claim under the policy.
causes 1 to 12, we will pay:
a the amount of rent (if you 19 Television, radio aerials and
have tenants) you should masts and satellite dishes
have received but lost while We will cover loss or damage to
the home was unfit to live in; television and radio aerials and
b the reasonable cost of similar masts and satellite dishes outside.
alternative accommodation We will not pay more than €2,500
for you until your home is fit for any one claim.
to live in again.
The most we will pay for any one
20% of the building sum
insured.
[ 24 ] [ 25 ]Section A: Insurance for your buildings continued
What is covered What is not covered What is covered What is not covered
20 Finding a leak We will not cover any work involving i arising from faulty workmanship,
We will pay for work needed to repair, reconstruction or faulty design or using faulty
see whether or not a loss would replacement. materials.
lead to a valid claim under
cause 6 of this section.
The most we will pay is €750 for
any one claim under the policy.
Optional cover - accidental damage to your buildings.
(Your schedule will if you have chosen this cover).
What is covered What is not covered
21 Accidental loss or damage to We will not cover accidental loss or
your building. damage:
a specifically excluded under the
buildings section;
b by frost;
c by wear or tear or anything which
happens gradually;
d by vermin, insects, fungus, wet or
dry rot;
e by chewing, scratching, tearing or
fouling by domestic animals;
f by mechanical or electrical
breakdown;
g specifically covered somewhere
else in this policy;
h arising from altering or extending
the building or the cost of
maintenance or routine
decoration; or
[ 26 ] [ 27 ]Section B:
Insurance for your contents
Please look at your policy schedule to see if you have chosen this section. What is the most we will pay?
We will not pay more than the contents sum insured shown in your policy
What is covered What is not covered schedule or any higher amount which may apply because of inflation protection
All of the following are covered as We will not cover: for any one claim under causes 1 to 12, extensions to cover 15 and 18 and
long as they belong to you or you a mechanically-propelled vehicles optional cover 30. We will also pay any amounts due under extensions to cover
are legally responsible for them. (other than lawnmowers and 13, 14, 16, 17 and 19 to 29.
cultivators used just on your
Household goods - this includes
property), watercraft, aircraft, The policy excess will not be deducted for claims made under extensions to
tenant’s fixtures, fittings and
caravans, trailers (and their parts cover 15, 20, 21, 22, 26, 27 and 28.
decorations inside.
and accessories, tools, fitted
Business property - This is limited radios, phones, cassette and The most we will pay for any one event resulting in a claim is shown below.
to office furniture, furnishings, office compact-disc players) and 1 Contents - the amount shown in the schedule less any excess. A limit of
equipment including documents animals; 10% of the contents sum insured applies to contents kept in any outbuilding
and computer equipment. b landlords decorations; or garage belonging to the home.
c property more specifically insured 2 Valuables - 5% of the contents sum insured or €5,000, whichever is greater
Pedal cycles
by any other insurance; for any one valuable, and up to 1/3 of the contents sum insured for any one
Personal belongings - This means d deeds, bonds, securities and claim for valuables (unless insured separately).
clothes (not furs) and personal items documents; and
worn, used or carried and also e money.
portable radios, portable TVs and What is covered What is not covered
sports equipment. It does not
Your policy covers loss or
include valuables or money.
damage to the contents in the
Valuables - This means jewellery, home by the following causes.
items of gold, silver or other
precious metals, watches, furs, 1 Fire, lightning, explosion or
cameras, pictures and other works earthquake
of art, collections of stamps, coins,
medals or objects valued 2 Smoke We will not cover loss or damage
as curiosities. caused by smog, agricultural,
forestry or industrial operations or
anything which happens gradually.
[ 28 ] [ 29 ]Section B: Insurance for your contents continued
What is covered What is not covered What is covered What is not covered
3 Storm or flood We will not cover loss or damage: 7 Subsidence or ground heave We will not cover loss or damage:
a by frost; of the site on which the a arising from faulty workmanship,
b to property in the open; or buildings stand, or landslip faulty design, faulty or inadequate
c to trees, shrubs and plants drains or drainage systems,
growing in the open. inadequate foundations or using
faulty materials;
4 Riot, civil commotion, strikes, b to or resulting from solid floors or
labour and political floor slabs moving unless the
disturbances foundations of the walls outside
are damaged at the same time
5 Malicious damage We will not cover loss or damage: and by the same cause;
a while the home is left unoccupied c caused by structural alterations,
or unfurnished for 40 days in a demolition, repairs or extensions
row or more; or to the home;
b caused by people legally in the d caused by normal settlement,
home while the building is let or shrinkage, expansion, chemical
sublet. action or any structures
bedding down;
6 Water escaping from a fixed We will not cover loss or damage e caused by made-up ground or
water, drainage or heating caused: land-filled sites settling or moving;
installation, washing machine, a by subsidence, heave and f caused by the coastal or
fridgefreezer, dishwasher, landslip; riverbank or lakeside wearing
waterbed or fish tank b while the home has been away; or
unoccupied or unfurnished for g which began before cover was
40 days in a row or more; or granted under this policy.
c to the part or appliance from
which the water leaks.
[ 30 ] [ 31 ]Section B: Insurance for your contents continued
What is covered What is not covered What is covered What is not covered
8 Stealing or attempted stealing 1 a We will not cover loss or 9 Any aircraft, flying object or
damage while the home is left anything falling from them, or
unoccupied or unfurnished for a vehicle, train or animal
40 days in a row or more; hitting the home
b We will not cover loss where the
property is bought from you by 10 Radio and television aerials,
any person using any form of fittings and masts and
payment which proves to be satellite dishes breaking or
fake, fraudulent, invalid or collapsing
uncollectable, for any reason;
c We will not cover stealing from 11 Oil escaping from a fixed We will not cover loss or damage:
the open; oil-fired heating installation a caused by pollution or oil spillage
d We will not cover stealing from including smoke damage due if you hire any experts or
mechanically-propelled vehicles. to faulty oil-fired heating contractors other than those
installation carrying out emergency work
2 We will not pay for the following without our permission. We will
unless violence and force have have to agree to you hiring these
been used to get in or out of experts or contractors, and we
the home: have the right to choose experts
a loss of or damage to from our own panel;
contents in any part of the b to the part or appliance from
home which is used for any which the oil leaked; or
trade, business or c to any fixed domestic heating
profession; installation due to wear and
b loss of or damage to tear, rust, or anything which
contents in the home if any happens gradually; or
part is let or sublet or lived in d while the home has been
by anyone but you; unoccupied or unfurnished for
c pedal cycles. 40 days in a row or more.
12 Falling trees or branches We will not cover loss or damage
caused by felling, lopping or
topping trees.
[ 32 ] [ 33 ]Section B: Insurance for your contents continued
Extensions to your contents cover What is covered What is not covered
The contents section of your policy also includes the following cover.
tops of, furniture; and
c ceramic hobs and ceramic
What is covered What is not covered
tops of cookers.
13 Contents temporarily removed We will not cover loss or damage:
from the home a by storm or flood to property not 16 Entertainment equipment We will not cover loss or damage:
We will cover loss or damage by in a building; We will cover accidental a to equipment designed to be
causes 1 to 12 to contents b by frost; damage to: portable while it is being
temporarily removed from the c by stealing not involving force and a TV sets and their aerials; transported, carried or moved;
home while anywhere in Ireland, violence used to get into or out of b radios; b by mechanical or electrical
the United Kingdom, the Isle of a building; c record players, breakdown;
Man or the Channel Islands for d while the contents are removed for compact-disc players and c to records, discs, cassettes
not more than 20% of the sale or exhibition or to storage; or tape recorders; and tapes;
contents sum insured. e to valuables d video, DVD players and d caused by or in the process of
recorders; cleaning or dismantling
14 Deeds and documents e home computers; or equipment; or
We will cover loss or damage by f cable and satellite or e damage to equipment not in
causes 1 to 12 to documents television receivers. the home.
(other than money and credit The most we will pay for any one
cards) you leave for claim for a satellite dish is
safekeeping in any bank safe €2,000.
deposit or bank or solicitor’s
17 Temporary accommodation
strongroom in Ireland, the
and rent
United Kingdom, the Isle of Man
While the home cannot be lived
or the Channel Islands.
in because of loss or damage
The most we will pay for any
covered by this policy, we will
one claim is €1,300.
pay for:
a rent you must pay for which
15 Accidental breakage of We will not cover loss or damage:
you are legally responsible;
mirrors and glass a while the home has been left
and
We will cover accidental unoccupied or unfurnished for
b the reasonable cost of other
breakage of: 40 days in a row or more;
similar accommodation
a mirrors; b damage to property not in
during the period needed to
b fixed glass in, and glass the home.
make the home fit to live in.
[ 34 ] [ 35 ]Section B: Insurance for your contents continued
What is covered What is not covered What is covered What is not covered
The most we will pay for any The most we will pay for any
one claim is 15% of the one claim is 20% of the
contents sum insured. contents sum insured.
18 Household removal We will not cover loss or damage: 20 Fatal accidents
We will cover loss or damage by a to china, glass, earthenware and We will pay €5,000 if you die
causes 1 to 12 to contents brittle items; as a result of violence from
being transported from the b not reported within 72 hours of intruders or fire that occurs
home for permanent removal to the contents being delivered to within your home. For us to
another home in Ireland, the your new home; pay a claim, your death must
United Kingdom, the Isle of Man c due to stealing from an happen within three months of
or the Channel Islands. The unattended vehicle; the incident.
removal must be carried out by d to contents in storage away from
21 Visitor’s and employee’s We will not cover loss or damage to:
professional contractors and the removal vehicle; or
possessions a money; or
must take no longer than 48 e to money and valuables.
Loss or damage by causes 1 to b property otherwise insured.
hours.
12 to the personal belongings of
your visitors and domestic
19 Tenants’ liability (this applies We will not cover loss or damage:
employees while in the home.
if you rent the home) a while the home is left unoccupied
We will pay for the following loss or unfurnished for 40 days in a The most we will pay for any
or damage for which you are row or more; or one claim is €1,500.
legally responsible as a tenant. b to ceramic hobs in moveable We will not cover the cost of
22 Replacing locks
a Accidental damage to cookers. replacing keys and locks to a garage
We will pay the cost of replacing
property described as or outbuilding.
locks (including keys) to any
services (section A14).
outside door of the home or any
b Breakage of property
domestic safe or intruder alarm
described as glass and
protecting the home if keys
sanitaryware (section A15).
have been stolen from the
c Loss or damage (other than
home. The most we will pay for
by fire) covered under
any one claim under the
causes 1 to 12 to the
buildings or contents section of
buildings and decorations
the policy is €750.
inside the home.
[ 36 ] [ 37 ]Section B: Insurance for your contents continued
What is covered What is not covered What is covered What is not covered
23 Weddings We will not cover loss or damage 26 Contents in the open We will not cover loss or damage to:
We will automatically increase which you are covered for under We will cover loss or damage by a valuables and money;
the sum insured by 10% to another insurance. causes 1 to 12 to contents in b any plant, shrub or tree; or
insure wedding gifts for one the open but within the c pedal cycles.
month before and one month boundaries of the home.
after the wedding day of you, or The most we will pay for any
a member of your family. one claim is €750.
24 Christmas gifts 27 Accidental loss of oil
We will automatically increase We will cover loss of domestic
the sum insured by 10% during heating oil.
the month of December to The most we will pay for any
insure Christmas gifts. one claim is €750.
25 Fire brigade charges 28 Jury service
We will pay charges made by a We will pay you €20 a day for
local authority in line with the each day you go to court for
conditions of the Fire Services jury service, as long as you give
Act 1981 to control or put out a us satisfactory written proof of
fire affecting your property in your jury service.
circumstances which have given The most we will pay for any
rise to a valid claim under the one claim is €750.
policy.
We will not pay more than 29 Finding a leak We will not cover any work
€2,600 for any one claim under We will pay for any work needed involving repair, reconstruction
the policy. to see whether or not a loss or replacement.
would lead to a valid claim
under cause 6 of this section.
The most we will pay under
the buildings or contents section
of the policy is €750.
[ 38 ] [ 39 ]Section B: Insurance for your contents continued
Optional cover - accidental damage to your contents. What is covered What is not covered
(Your schedule will show if you have chosen this cover).
i caused by settlement
or shrinkage;
What is covered What is not covered
j caused by any paying tenant
30 Accidental loss or damage to We will not cover accidental loss or guest;
your contents in the home or damage: k caused deliberately by any
a specifically excluded under member of your household;
this section; l to contact lenses, hearing aids
b covered somewhere else in and dentures;
this policy; m to food, drink or plants;
c by wear or tear or anything which n to items of glass, china,
happens gradually, weather (other porcelain, earthenware or stone
than storm or flood), fungus, wet (or other items of a similar brittle
or dry rot, damp, frost, material); or
scratching, chipping or denting, o to jewellery or watches.
corrosion or rust, action of light,
manufacturing faults, vermin or
insects;
d arising from loss in value or
consequential loss;
e by chewing, scratching, tearing or
fouling by domestic animals;
f by mechanical or electrical
breakdown;
g arising from faulty workmanship,
faulty design or using faulty
materials;
h caused by the process of
cleaning, dyeing, repair, alteration,
washing, drying, heating,
renovation, restoration,
maintenance, restyling,
dismantling, erecting, or to any
article while being worked on;
[ 40 ] [ 41 ]Section C: Liability
The policy excess does not apply to this section. What is covered What is not covered
Subsection 1 - your legal responsibility to the public A applies, the building referred
If the contents (section B) are not insured, subsection 1 will cover you only as to in section A;
owner of the building and its land. • you owning or using animals
We will not pay more under subsection 1 than €3,000,000 for any one claim other than horses, cats or
against you or series of claims arising from one event. dogs and other animals
normally domesticated in
What is covered What is not covered Ireland;
• you owning or using dogs in
We will cover all amounts that you a We will not cover liability for: breach of the regulations made
are legally responsible to pay as • bodily injury to you; under the Control of Dogs Acts
damages for: • bodily injury any person suffers 1986 and any further
a bodily injury (including death or under a contract of service or amendments to that act if the
disease) to any person; or apprenticeship with you and ownership or
b loss or damage to property arising out of and in the course use is not in line with those
which happens anywhere in the of that person’s employment regulations;
world during the period of by you; or • you owning or using (other
insurance. • loss of or damage to property than domestic gardening
We will also pay legal costs and belonging to you or in your equipment or being a
expenses anyone can recover and custody and control. passenger) mechanically
all costs and expenses we agree to b We will not cover liability propelled vehicles, aircraft or
in writing. arising from: watercraft, (not model aircraft
If you die, your legal representative • any wilful, malicious, deliberate or model watercraft or non-
will have the benefit of this section or reckless act you commit; power-driven craft on inland
for any liability, you may have for an • you carrying out any trade, waterways);
event covered by this section. business, profession or • any lift you own or for which
employment; you are responsible for
• you living in, using or maintenance;
controlling any land or building, • you owning, or using, any
other than the building referred firearm or sporting gun; or
to in section A or any • human immunodeficiency virus
temporary home; (HIV) or any HIV-related illness
• you owning any land or including acquired immune
building, other than, if section
[ 42 ] [ 43 ]Section C: Liability continued
What is covered What is not covered What is covered What is not covered
deficient syndrome (AIDS) or We will also pay legal costs and breach of the regulations made
any variations however caused. expenses anyone can recover and under the Control of Dogs Acts
c We will not cover liability you have all costs and expenses we agree 1986 and any further
under an agreement, unless you in writing. amendments to that act if owning
would have been liable if the or using them is not in line with
agreement did not exist. For an injury or disease an those regulations.
d Any liability for which you must employee suffers while temporarily e We will not cover liability arising
have insurance cover under the employed outside the Republic of from human immunodeficiency
terms of the Road Traffic Acts. Ireland, the action for damages virus (HIV) or any HIV-related
must be brought in a court of law illness including acquired immune
in the Republic of Ireland. deficient syndrome (AIDS) or any
Subsection 2 - Liability to domestic employees variations however caused.
If you die, your legal representative f We will not cover liability arising
This subsection applies only if you have cover under section B - contents.
will have the benefit of this section directly or indirectly in connection
We will not pay more than €3,000,000 under subsection 2 for all damages,
for any liability you would have with demolishing or altering the
costs, fees and expenses for any one claim against you or series of claims
suffered for an event covered by building or any operation related
arising from one event.
this section. to those activities.
g Any liability for which you must
What is covered What is not covered
have insurance cover under the
We will cover all amounts you are a We will not cover liability terms of the Road Traffic Acts.
legally responsible to pay as arising from any deliberate or
damages for bodily injury (including malicious act.
death or disease) to any person b We will not cover liability you have
under a contract of service with under an agreement unless you
you just for private domestic duties. would have been liable if the
This includes a chauffeur, gardener, agreement did not exist.
people carrying out repair work, c We will not cover liability arising
and other temporary or casual from you owning or using animals
employees. The injury must arise other than horses, cats or dogs
out of and in the course of their and other animals normally
employment by you and happen domesticated in Ireland.
anywhere in the world. d We will not cover liability arising
from you owning or using dogs in
[ 44 ] [ 45 ]Section D:
Extended cover for your personal
belongings and valuables
What is covered What is not covered
Please look at your policy schedule to see if you have chosen this section.
items (other than jewellery) or
mechanical or electrical
What is the most we will pay?
breakdown.
We will not pay more than the sum insured for personal belongings and
e We will not cover loss in value or
valuables shown in your schedule or any higher amount which may apply
consequential loss.
because of inflation protection for any one claim under this section.
f We will not cover loss if property
If you have chosen unspecified possessions cover, the limit for any one
is paid for by any person using
item is €1,300.
any form of payment which
proves to be fake, fraudulent,
What is covered What is not covered invalid or uncollectable for any
reason.
We will cover any loss or damage to a We will not cover g We will not cover tools,
personal belongings or valuables mechanically propelled vehicles, instruments or sports equipment
you own or which are your legal watercraft, aircraft, caravans, used or held for business or
responsibility while: trailers (and their parts and professional purposes.
a anywhere in Europe; or accessories, tools, fitted radios,
b anywhere in the world for up to phones, cassette and compact-
60 days during any one period disc players), pedal cycles,
of insurance. camping equipment, contact
lenses, documents, cash, credit
cards, plants, animals, prams
and pushchairs.
b We will not cover property used
for business or professional
purposes.
c We will not cover loss or damage
caused by any process of
cleaning, restoring, altering or
repairing, wear and tear and
anything which happens gradually,
or moth, vermin or insects.
d We will not cover breakage of
glass (other than lenses) or brittle
[ 46 ] [ 47 ]Section E: Section F: Extended cover
Frozen food for your pedal cycles
This section applies if you have cover under Section B - Contents. Please look at your policy schedule to see if you have chosen this section.
The policy excess does not apply to this section.
What is the most we will pay?
We will not pay more than the amount shown in your schedule for any one
What is covered What is not covered
claim under this section.
We will cover loss of or damage to We will not cover loss or damage The policy excess does not apply to this section.
food in any refrigerator or caused by:
deep-freeze cabinet caused by a
What is covered What is not covered
rise or fall in temperature or a a deliberate act of the supply
contamination by refrigerant or authority; We will cover loss or damage to a We will not cover loss or
refrigerant fumes. b strike, lock-out or industrial pedal cycles you own while: damage to:
The refrigerator or deep-freeze dispute; or a anywhere in Europe; or • tyres and accessories unless
cabinet must be: c wear and tear or anything that b anywhere in the world for up to the cycle is lost or damaged
a in your home; and happens gradually. 60 days during any period of at the same time;
b owned by you or your insurance. • the pedal cycle while being
responsibility. used for racing, pacemaking
The most we will pay for any one or trials;
claim under this section is €2,000. • pedal cycles more specifically
insured by any other policy.
b We will not cover loss or damage
to pedal cycles by stealing or
attempted stealing unless securely
locked or contained in a building.
c We will not cover pedal cycles
used for business or professional
purposes.
d We will not cover loss or damage
caused by any process of
cleaning, restoring, altering or
repairing, wear and tear, moth,
vermin or insects and anything
that happens gradually.
e We will not cover breakage of
glass or brittle items or
mechanical or electrical
breakdown.
[ 48 ] [ 49 ]Section F: Extended cover for your pedal cycles continued
Section G:
Money and credit cards
What is covered What is not covered This section applies if you have cover under section B - contents.
f We will not cover loss in value or Definitions
consequential loss. Money – current coins and banknotes, cheques, money orders and postal
g We will not cover loss when orders, premium bonds, savings stamps and certificates, current stamps, travel
property is paid for by any person tickets, petrol coupons, record tokens, book tokens or other tokens, luncheon
using any form of payment which vouchers and trading stamps.
proves to be fake, fraudulent, Credit cards – credit, charge, cheque, bankers’ or cash-dispenser cards.
invalid or uncollectable for
any reason.
h We will not cover loss or damage What is covered What is not covered
covered elsewhere in this policy. 1 Money a We will not cover loss due to
We will cover accidental loss of mistakes, neglect or poor
money belonging to you or a accountancy.
member of your family: b We will not cover loss in value.
a anywhere in Europe; or c We will not cover losses not
b anywhere in the world for up reported to the police within
to 60 days during any one 24 hours of discovering the loss.
period of insurance. d We will not cover customs or
The most we will pay for any other officials legally taking or
one claim is €750. holding your property.
2 Credit cards We will not cover:
We will cover financial loss after a unauthorised use by a member of
any credit card you own is your family;
misused. The most we will pay b any loss arising after the authority
for any one claim is €1,500. issuing the credit card has
received notice of the loss;
c any loss unless you have kept to
the terms and conditions set by
the authority who issued the card.
[ 50 ] [ 51 ]Section H: Caravan
Please look at your policy schedule to see if you have chosen this section. What is covered What is not covered
Definitions We will pay for: We will not cover loss or damage
You means: a the cost of removing debris (up caused by:
a the person named as the policyholder in the schedule and each member of to 5% of the sum insured on the a loss of use, frost, wear and tear,
their family; and caravan); rot, fungus, mildew, moth, vermin
b any person who is in charge of the caravan on the policyholder’s order or b the reasonable cost of or insects, loss in value, action
with their permission as long as they are not insured under any other policy. protecting and removing the of light, weather conditions or
Caravan means: caravan to the nearest repairer; anything which happens
a the trailer caravan or mobile home described in the schedule; and and gradually;
b accessories, fixtures, fittings, furnishings and utensils while in or attached to c the reasonable cost of delivering b repairing, cleaning, dyeing,
the caravan. the caravan back to you after altering or restoring any item;
the repairs. We will not pay any c electrical or mechanical
1 Loss or damage more than the reasonable cost breakdown;
What is the most we will pay? of transport to your address as d customs or other officials legally
a Caravan – the most we will pay is the amount shown in the schedule or shown in the schedule. taking your caravan;
the market value of the caravan, whichever is lower. e stealing from the caravan while it
b Personal belongings – the most we will pay is the amount shown in the is left unattended without being
schedule. We will not pay more than €130 for any single item. securely closed and locked;
f storm, unless the caravan is
securely anchored to the ground
What is covered What is not covered at each corner of the chassis
except when being towed or
We will cover accidental loss or We will not cover loss or damage:
temporarily detached during a
damage to: a while the caravan is used as a
journey or permanently laid up
a the caravan; or permanent home;
at your home; or
b personal belongings you own b while the caravan is being used
g earthquake.
contained in the caravan or in any for hire and reward unless we
private car towing it, which agree;
happens anywhere in Europe for c caused deliberately by you or
up to 30 days during any one your family or any person using
period of insurance, or while the caravan;
being transported by sea d to tyres caused by breaking,
between ports in Europe bursts, cuts or punctures; or
(including loading and unloading). e to any motorhome.
[ 52 ] [ 53 ]Section H: Caravan continued Section I:
Personal accident
Please look at your policy schedule to see if you have chosen this section.
2 Liability to others
What is the most we will pay? Definitions
The most we will pay for all claims arising from any one incident is €1,270,000.
You, your
• The person named as the policyholder in the schedule, or their husband or
What is covered What is not covered wife or their children under 18 normally living in the policyholder’s home.
Bodily injury
We will pay any amount which We will not cover liability for:
• Bodily injury caused by something violent, accidental and which can
you or your family are legally a bodily injury to you or your family;
be seen.
responsible to pay for causing: b bodily injury to any person serving
• Illness resulting from medical or surgical treatment of any injury, resulting
under a contract of service or
directly in the death or disability as described below within one year of the
a death or injury to anyone; or apprenticeship with you or your
date of the injury.
b damage to someone’s property family and arising out of and in
in connection with the caravan the course of their employment Losing a limb
anywhere in Europe for up to 30 by you or your family; or • A hand or foot being cut or torn off at or above the wrist or ankle.
days during any one period of c loss or damage to property you • The total and permanent loss of use of a hand, arm or leg.
insurance, or while being or your family own or control. Loss of sight
transported by sea between • The total and permanent loss of sight in at least one eye.
ports in Europe (including We will not cover any liability: Permanent total disability
loading and unloading). a for accidents while the caravan • A disability which prevents you from working in any job and carrying out
is being towed; your normal duties. It must last for one year after the date of the disability
We will also pay legal costs and b for an accident caused by the and will most likely continue for your lifetime.
expenses anyone can recover and caravan becoming detached from
all costs and expenses we agree to any vehicle that is towing it;
in writing. c you have under an agreement
What is the most we will pay?
unless you would have been liable
Amount per person per accident
If you die, your legal representative if the agreement did
will have the benefit of this section not exist; Item Description People aged People aged
for any liability, you would have d if the caravan is let for hire and between 18 and 65 under 18
suffered for an event covered by reward unless we have agreed; 1 Death €6,500 €1,300
this section. e while the caravan is being used 2 Loss of one or more limbs
for business purposes; or or loss of sight in one or €6,500 €6,500
f while the caravan is being used both eyes
as a home.
3 Permanent total disability €6,500 €6,500
The most we will pay under this section in any period of insurance is €65,000.
[ 54 ] [ 55 ]You can also read
