Your Home Insurance Policy Document (Republic of Ireland) - Liberty Insurance
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
Your Home Insurance
Policy Document (Republic of Ireland)
Proud Partner
Contents
Useful telephone numbers – Contents
Customer services: Introduction.............................................................................. 2
1890 89 1890 Definitions................................................................................ 3
Call this number if your circumstances
change and you need to update your policy
No-claims discount.................................................................. 4
or if you have a question.
Protection against inflation...................................................... 4
Claims helpline:
1850 85 8530 Making a claim........................................................................ 5
Call this 24-hour number if you need to
report a claim on your policy. Home emergency helpline....................................................... 5
Home emergency helpline: Conditions which apply to the whole policy............................. 6
1800 209 300 Exclusions which apply to the whole policy............................. 10
Call this 24-hour number to get in touch
with reliable tradespeople (such as a Section 1 Buildings.................................................................. 12
plumber or electrician) if there is an
emergency in your home (see page 5 for
more details).
Section 2 Contents.................................................................. 19
Section 3 Cover for items away from the home – ‘All risks’..... 29
Section 4 Liabilities.................................................................. 31
Section 5 Home emergency assistance.................................. 35
Endorsements......................................................................... 38
Customer care......................................................................... 41
Data-protection statement....................................................... 41
Liberty Insurance 1
Introduction Definitions
Introduction Definitions
We, Liberty Insurance®, agree to provide insurance to you, the policyholder named in the Accidental damage – sudden and Money – cash, cheques, traveller’s
policy schedule, for events which happen during any period of insurance for which you unexpected damage which is not caused cheques, postal and money orders, current
have paid, or have agreed to pay, the premium. We will insure you against loss, damage deliberately. postage stamps, National Savings stamps
or liability which happens during the period of insurance under the terms, exclusions and Buildings – the private home at the and certificates, Premium Bonds, luncheon
conditions of this policy and any endorsements. address shown in the schedule. This vouchers, gift vouchers, travel tickets and
includes domestic outbuildings, garages, trading stamps.
On behalf of Liberty Insurance greenhouses, solar panels, swimming Outbuildings – sheds, greenhouses,
pools, tennis courts, hot tubs, septic tanks, summer houses and other buildings (but
fuel tanks, terraces, patios, decked areas, not caravans, mobile homes or motor
driveways, footpaths, walls, fences, gates, homes) which do not form part of the main
Sharon O’Brien hedges and fixtures and fittings all within buildings of the home.
Chief Executive Officer the boundaries of the home. Your home Period of insurance – the period of cover
must be built of brick, stone or concrete shown in the schedule, and any further
Liberty Insurance designated activity company (dac) is regulated by the Central Bank of Ireland.
and roofed with slate, tiles or asphalt period for which we agree to insure you.
Liberty Insurance dac is registered in Ireland, registration number 494729. You can contact the
Central Bank of Ireland on 1890 77 77 77.
unless described differently under any
Personal belongings – luggage, clothing,
endorsement (other than garden sheds,
jewellery, watches, sports and musical
greenhouses and summer houses).
equipment and items you normally wear or
Contents – household goods, home office carry with you. All items must belong to you
equipment, valuables, sports equipment or be your legal responsibility.
and personal belongings (not including
Schedule – your details, dates of
mobile phones and accessories) that you
insurance, the property insured and the
or a member of your household own or are
sums insured. The schedule forms part of
legally responsible for. We will also cover
this policy.
fixtures and fittings (as long as they are
not your landlord’s fixtures and fittings) and Unfurnished – does not contain enough
interior decorations you own if you are the furniture for normal living purposes.
tenant of the building. Unoccupied – not lived in by you or anyone
Endorsement – a variation to the terms of who has your permission. ‘Lived in’ means
the policy. you sleep there frequently.
Excess – the first amount of a claim which Valuables – jewellery, items of gold, silver
you must pay. or other precious metals, timepieces,
photographic equipment, binoculars, works
Home – the private residence as shown
of art, antiques, furs, musical instruments,
in the schedule and its outbuildings (all
collections of stamps, coins or medals, TV,
not used for any business purposes other
video, audio and computer equipment.
than paperwork, phone calls and computer
work). Your household – you and all others
permanently living with you (apart from
Home office equipment – business
tenants or paying guests) at the home.
computers, fax machines, photocopiers,
typewriters and business phone You, your – the person or people in the
equipment. schedule under ‘Proposer(s) Details’.
We, us – Liberty Insurance.
2 Liberty Insurance Liberty Insurance 3
No-claims discount / Protection against inflation Making a claim / Home emergency helpline
No-claims discount Making a claim
For the purpose of the no-claims discount, claims discount scale. You can ask us for If you need to make a claim, the main
‘period of insurance’ means one year details of the no-claims discount scale. steps are outlined below. It is important
from the beginning of the policy to the first If a claim is made during a period of that you also read the claim conditions on Claims 24-hour
renewal date, and then each year between insurance, we will stop your no-claims pages 7, 8 and 9.
renewal dates. • Check your schedule and policy booklet
helpline:
discount at the renewal date.
If no claim is made during a period of which tells you what is covered and read
You cannot transfer your no-claims
insurance, we will reduce the renewal cost discount to anyone else.
the claims conditions on pages 7, 8 and 9.
• Inform the gardai straightaway in
1850 85 8530
at the renewal date in line with our no-
the case of theft, attempted theft or
malicious damage and get a copy of
Protection against inflation the garda report.
• Contact us straightaway on the claims • You should arrange to have emergency
24-hour helpline. repairs carried out to prevent possible
To help protect you against inflation we • The adjustments apply to your buildings • While we can agree some claims over further damage to your property.
will adjust the sum insured in line with and contents sum insured but not to the phone, we may need to ask you to However, you must not carry out
indexes such as the House Building Cost any limits that apply. fill in a claim form and give us further any other repairs or throw away any
Index prepared by the Department of the • If the index falls, your sum insured will information, or we may want to arrange damaged items.
Environment and the Durable Household stay at the same level. a visit and inspection.
Goods Section of the Consumer Price Index • When you renew your policy, your
prepared by the Central Statistics Office. premium will be based on the adjusted
sum insured. Home emergency helpline
You should keep each sum insured at the
correct level and you should not rely on If you have a home emergency you can
this adjustment alone. call this helpline at any time and we’ll put
you in touch with reliable tradespeople Home emergency
(such as a plumber or electrician).
24-hour helpline:
You will have to pay any charges from the
tradespeople called out to help you, unless
the cost is covered by home emergency 1800 209 300
assistance on your policy. Check your
schedule to see if you have home
emergency assistance, and for details
of what is covered please see the home
emergency assistance section on pages for any loss or damage to property or loss
35 to 37. or damage any person suffers arising from
If the damage is not covered by home using or not using this service.
emergency assistance or you do not have Please do not use this helpline to report
home emergency assistance, you may be an insurance claim. If you want to report
able to claim back these charges (less any an incident or claim, please contact the
excess) under your home policy. claims helpline on 1850 85 8530.
We do not accept responsibility for any
expenses, resulting loss or legal liability
4 Liberty Insurance Liberty Insurance 5
Conditions which apply to the whole policy Conditions which apply to the whole policy
Conditions which apply to the
whole policy
These general conditions apply to all Period of cover Percentage refund Duty of care • reject or reduce your claim; or
sections of this policy. no more than of annual premium • cancel the policy and treat it as
4 You must take all reasonable steps to: though it has never existed.
Where we refer to ‘you’ for the purpose of 1 month 80% a make sure you keep the buildings in
these conditions it includes your personal 2 month 70% a good condition; 6 If the terms of your policy change
representatives. b make sure all locks on outside in any way, we may charge you an
3 month 60%
doors and windows or any intruder administration fee of €25. We do not
1 We will only have to make a payment 4 month 50% alarm or smoke alarm for which we refund any amounts less than €25, and
under this policy if:
5 month 45% have allowed a discount in premium we will not charge any amounts which
a all the answers in the proposal and
or which are made a condition of are less than €25. We will only refund
declaration for this insurance are 6 month 35%
cover are properly maintained and any premium if:
true and complete; and 7 month 25% used properly (you should send a no claim or loss has arisen during
b you meet the terms, conditions and
8 month 20% us copies of letters straightaway the current period of insurance; and
endorsements of this policy.
9 month 10% that say the police are withdrawing b we have received all the documents
The proposal and declaration form the their response to alarms or warning we need to carry out the alteration.
basis for this contract. Over 9 months 0% letters relating to this); and
c avoid injury, loss, destruction or Claims
Cancelling your policy days’ written notice to your last known damage. 7 If any injury, loss or damage is covered
2 You may cancel the policy at any time address. The refund we pay you will
totally or partly by any other insurance,
by telling us. be based on the cancellation rates Policy changes we will only make a payment if you
above. The rates are based on the
If you want to cancel your policy within 5 You must tell us about any change of have used up all the cover under that
yearly premium being paid in full. If the
the first 14 days, we will refund your circumstances which may affect your policy. This does not apply to Section 2
amount you have paid does not cover
premium for any period of insurance insurance, for example: Part B Item 13 Fatal injury benefits.
the premium according to the rates, we
remaining, less an administration fee a if you change your address;
have the right to recover the money
of €25. b if your home has been unoccupied
that you owe.
If you cancel your policy in the first year for more than 30 days in a row;
We do not refund any amount which is c if you are convicted of, or you
of insurance after the first 14 days, we
less than €25. are facing possible conviction for,
will work out your refund based on our
cancellation rates as shown below. We will only refund premiums as long any offence other than a motoring
as there has been no claim or loss conviction;
If your policy is cancelled after the
during the current period of insurance. d if you plan to make any structural
first year, we will refund your premium
changes to the property; or
for any remaining period of insurance 3 We may cancel the policy, without
e if you let your home to tenants or
(although we will take a fee of €25 to giving you a reason, by sending you
share with lodgers.
cover administration costs). 10 days’ written notice to your last
known address. We will refund your If you are not sure whether you should
If you pay by instalments, you have
premium for any period of insurance tell us about any change, you should
agreed to pay the premium on the
remaining. tell us anyway. When you tell us about
due date, or dates, as set out in your
a change, we may then review your
instalment agreement. If you do not
premium and your cover. If you do not
make a payment on time, we can
tell us about any relevant changes,
cancel the policy by sending you 10
we may:
6 Liberty Insurance Liberty Insurance 7
Conditions which apply to the whole policy Conditions which apply to the whole policy
8 a As soon as you know about any d You must also write and let us know your policy to other people such as Choice of law
loss, damage or accident, you must as soon as you know about any suppliers, private investigators and
phone us and report the incident possible prosecution or inquest in loss adjusters, and instruct them to 12 You and we may choose which
straightaway (or by the next day). connection with any event. act on our behalf. law applies to this contract. Unless
We may send you a claim form e You must be able to prove your j If you make a claim, we may we agree with you otherwise, this
which you must fill in and return as loss. To help with this we may appoint our own repairers to carry insurance is governed by Irish law.
soon as you can. ask you to give us reasonable out any repair work. Currency
b You must not carry out any repairs information such as original
9 If you are paying by instalments, you 13 All money paid under this policy will be
(other than emergency repairs to receipts, invoices, instruction
must pay the full yearly premium if you paid in euros.
limit damage) without our approval booklets, bank statements,
make a claim during the current period
or throw away any damaged items photographs or any further proof to
of insurance. We have the right to take Language
before we have had a chance to help with your claim.
the outstanding premium you owe from
see them. f You, or any other insured person, 14 Your policy and all communications
any claim amount we may pay you.
c Following loss or damage as a must give us all the help we need. between you and us will be in English.
result of theft, attempted theft You must never accept responsibility Fraud
or malicious damage, you must or offer or promise payment without Insurance Act 1936
contact the garda straightaway and our written permission. 10 If any claim is in any way fraudulent or
exaggerated, if the insured person or 15 All money which becomes due under
send us a garda report. The report g We will be entitled to take over and
anyone acting on their behalf has used this policy will be paid in the Republic
must say that the loss or damage act in your name (or in the name
any fraudulent methods to benefit under of Ireland in line with section 93 of the
was the result of theft, attempted of any other insured person) to
this policy, or if you have given us false Insurance Act 1936.
theft or malicious damage. defend or settle any claim. We may
prosecute, in your name or in the or stolen documents, you and they will Stamp Duties Consolidation Act
name of any other person (at our lose any rights under the policy. We
may also prosecute you or them. 1999
expense and for our benefit), to
recover compensation from others 16 Stamp duty has been or will be paid
for anything covered by this policy.
Disputes between you and us to the Revenue Commissioners in line
We will be able to decide how any 11 You may refer any dispute between you with section 5 of the Stamp Duties
proceedings or settlements are and us about our liability for a claim or Consolidation Act 1999.
handled. the amount to be paid to an arbitrator
h You must, within a reasonable we both agree to, within nine months of
time, allow us to enter the insured the dispute arising. If we cannot agree,
property where the loss or damage the president of a relevant national law
has happened. We may take society will appoint an arbitrator.
possession of the property and The arbitrator’s decision will be final
deal with the salvage (anything that and binding on you and us. If the
can be saved and used again) in a dispute has not been referred to
reasonable way. However, you must arbitration within nine months, we
not abandon any property for us to will assume you have abandoned the
deal with. claim.
i If you make a claim, we are entitled
to give information about you and
8 Liberty Insurance Liberty Insurance 9
Exclusions which apply to the whole policy Exclusions which apply to the whole policy
Exclusions which apply to the
whole policy
These general exclusions apply to all c war, riot, revolution, acts of Matching sets and suites Pollution and contamination
sections of this policy. terrorism or any similar event; or
d pressure waves caused by aircraft 6 We will not pay for the cost of replacing 8 We will not pay for any loss, damage or
We will not provide cover for any of the any undamaged items that form part of liability caused directly or indirectly by
and other flying objects travelling at
following. a collection, set or suite, or are part of a pollution or contamination, unless it is
or above the speed of sound.
common design. If there is damage to caused by:
Radioactive contamination, war, Failure of computers and floor coverings, we will only pay for the a a sudden unexpected incident; or
terrorism and sonic bangs electrical equipment cost of replacing the damaged part or, if b oil leaking from any fixed heating
we can’t find a matching part, the floor installation or from any domestic
1 Loss or damage to any property, or any
2 Any loss or damage caused directly or covering in the room where the damage appliance in your home.
loss, expense or legal liability directly or
indirectly from: happened and not undamaged floor
indirectly caused by or contributed to or
a any computer, other electrical coverings in other rooms or areas.
arising from:
equipment, part or program failing
a ionising radiation or contamination Unoccupancy clause
to correctly recognise any date as
by radioactivity from any nuclear
its true calendar date; or 7 Whenever your home has been
fuel or from any nuclear waste from
b computer viruses. unoccupied for 30 days in a row
burning nuclear fuel;
b the radioactive, toxic, explosive or Confiscation or more, the following terms and
other dangerous properties of any conditions apply.
explosive nuclear equipment or any 3 Loss or damage due to any a The insurance will not include loss
part of it; government, or public or local authority or damage to valuables or money
taking, keeping or destroying your from the buildings.
property. b The insurance will not include loss
to all other contents and buildings
Deliberate or existing damage caused by:
4 Any loss or damage: • water or oil escaping from or
a caused by any deliberate act by freezing in any fixed water or
you, a member of your household, heating installation;
your domestic employees (for • theft or attempted theft;
example, a cleaner) or any other • damage to fixed glass, mirrors
person living in the home; or and sanitaryware;
b which happened before or as a • riot, civil commotion, labour and
result of an event which happened political disturbances;
before this cover started. • malicious damage; or
• damage to domestic appliances
Consequential loss caused by freezing.
5 Loss or damage which happens as a
result of a loss covered by this policy.
10 Liberty Insurance Liberty Insurance 11
Section 1 Buildings Section 1 Buildings
Section 1 Buildings
Please read your schedule to see if 5 The costs you need to pay to return
What is covered What is not covered
buildings cover applies. the buildings to their condition when
new without taking off any amount for 3 Theft or attempted theft. a Loss or damage which happens during
Part A Standard cover – Buildings wear and tear. This does not include any periods when the buildings are left
We will insure the buildings against loss or any costs in rebuilding, repairing or unfurnished or when your home has
damage caused by the insured risks shown restoring the buildings if they are made been unoccupied for more than 30 days
below along with the following. either better than or bigger than when in a row.
new. We will only pay costs if:
1 Architects’, surveyors’, legal and other b Loss or damage unless violence and
a the property insured has been
fees needed to repair or reinstate the force are used to get into or out of the
maintained in good repair; and
buildings, but not fees in preparing a property when any part of the buildings is
b the sum insured is enough to cover
claim, for example, loss assessors or lent, let or sublet.
the cost of rebuilding the buildings
any other expert you hire. as new (at the time of the loss or 4 Oil escaping from any fixed heating a Destruction or damage which happens
damage). If the rebuilding or repair installation. during any periods when the buildings
2 Expenses we agree to for:
is not carried out, we will take off an are left unfurnished or when your home
a removing debris;
amount for wear and tear when we has been unoccupied for more than 30
b dismantling or demolishing the
pay your claim. days in a row.
buildings; and
c shoring up or propping up the b Damage to the heating installation as a
buildings. Excess result of wear and tear.
3 Fire brigade charges up to €2,000 if You must pay the excess (the first amount 5 Water escaping from any fixed water or a Destruction or damage which happens
there is a valid claim under the policy. of any claim you make, as shown in the heating installation or from any domestic during any periods when the buildings are
schedule), for each claim unless we say appliance. left unfurnished or when your home has
4 Any costs you have to pay to keep to otherwise in the policy. been unoccupied for more than 30 days
building or other regulations arising from in a row.
government legislation or bye-laws of
any municipal or local authority (but not b Damage to the water or heating
if you received notice before the damage installation or domestic appliance, as a
happened) but only so far as this applies result of wear and tear.
to damaged parts of the property. c Damage to walls, ceilings or tiles caused
by water leaking from shower units and
Insured risks baths through seals and grouting.
d The first amount of the claim as shown in
What is covered What is not covered the schedule as ‘Escape of water’ excess.
1 Fire (including smoke), lightning, Loss or damage caused by smog, 6 Storm or flood a Loss of or damage to gates, hedges
earthquake and explosion. agricultural, forestry or industrial and fences.
operations, or anything that happens
gradually. b Loss or damage caused by frost.
2 An aircraft or other flying objects or articles c Damage caused by wear and tear or
dropped from them hitting the home anything which happens gradually.
table continues overleaf
12 Liberty Insurance Liberty Insurance 13
Section 1 Buildings Section 1 Buildings
What is covered What is not covered What is covered What is not covered
7 Falling trees or branches a Destruction or damage caused by 11 Subsidence, heave or landslip of the site a The first amount, as shown in the
felling or lopping. on which the buildings stand. schedule, of each claim.
b Destruction or damage caused to fences, b Destruction or damage caused by
gates or hedges. bedding down of any structures, faulty
c The cost of removing fallen trees or design, inadequate construction of
parts of them unless they have given rise foundations, demolition, structural
to a valid claim under this policy. alteration or structural repair.
8 Falling radio and television aerials Loss or damage to the aerials, fittings, c Septic tanks, fuel tanks, terraces,
(including satellite dishes), their fittings dishes and masts themselves. swimming pools, hot tubs, tennis courts,
and masts. patios, decked areas, driveways, foot-
paths, walls, fences, gates and hedges
9 The buildings being hit by any road or Loss or damage caused by pets. unless the home is also damaged at the
rail vehicle (or anything falling from them) same time by the same cause.
or animal.
d Solid floor slabs unless the foundations
10 Riot, civil commotion, labour and political a Destruction or damage which happens
beneath the outside walls are damaged
disturbances, vandalism and acts by during any periods when the buildings
at the same time.
malicious people. are left unfurnished or when your home
has been unoccupied for more than 30 e Loss or damage caused by the coast
days in a row. or river bank wearing away.
b Destruction or damage by vandalism
or malicious acts by you, your house- Part B Extra benefits – Buildings
hold, paying guests or tenants, or by any
Excess
person legally entitled to be in or on the
buildings. You must pay the excess (the first amount
of any claim you make, as shown in the
schedule), for each claim unless we say
otherwise in the policy.
What is covered What is not covered
a Damage to pipes and cables
We will cover accidental damage to
underground water, drain, sewage,
oil and gas pipes and underground
electricity, television and phone cables
extending from the buildings to the public
mains or septic tanks you are legally
responsible for.
table continues overleaf
14 Liberty Insurance Liberty Insurance 15
Section 1 Buildings Section 1 Buildings
What is covered What is not covered
Optional extension
b Extension for someone buying your Part C Accidental damage –
home Buildings
If you have agreed to sell your interest in
the buildings, the buyer who completes This extension only applies if the
the purchase will have the benefit of the schedule shows that you have
insurance in section 1 up to the date accidental damage cover for buildings.
the contract for purchase completes.
This does not apply if they have other Excess
insurance cover on the building, and it You must pay the excess (the first amount
does not affect your or our rights and of any claim you make, as shown in the
liabilities. schedule), for each claim.
c Breaking glass Loss or damage while the buildings are
We will cover accidental breakage of left unfurnished or when your home has What is covered What is not covered
all fixed glass and fixed sanitary fittings been unoccupied for more than 30 days We will pay for accidental damage to the a Damage while your home, or any part
which form part of the building. in a row. buildings. of it, is lent, let or sublet.
d Loss of rent and the cost of alternative We will not pay more than 15% of the b Damage when the buildings are left
accommodation buildings sum insured. unfurnished or when your home has
If you cannot live in your home because been unoccupied for more than 30 days
of loss or damage caused by any of the in a row.
insured risks, we will pay:
a the amount of rent you would have c Damage by wear and tear, atmospheric
received if your home was let; or or climatic conditions, movement,
b the reasonable cost of renting similar settlement or shrinkage, wet or dry rot,
accommodation for the period you vermin, insects, fungus, electrical or
cannot live in your home mechanical breakdown or anything which
happens gradually.
e Access for repairs a Damage which happens during any
We will pay to remove or replace any periods when the buildings are left d Loss or damage by a cause listed in or
part of the buildings necessary to repair unfurnished or when your home has specifically excluded by Part A of Section
any fixed domestic water or heating been unoccupied for more than 30 days 1 Buildings.
installation where water or oil has in a row. e Damage by faulty workmanship,
escaped. materials or design.
b Damage to the installation or appliance
from which the water or oil has escaped. f Damage by chewing, scratching, tearing
We will not pay more than €650 for any or fouling by domestic animals.
one claim under this section. g Demolition of, or structural alteration
The excess will not apply to claims under or structural repair to, your buildings, or
this section. damage caused by any of these.
h Damage caused by the process
of cleaning, repairing, taking apart,
changing or restoring.
16 Liberty Insurance Liberty Insurance 17Section 1 Buildings Section 2 Contents
Section 2 Contents
How we settle claims If we have agreed to pay your claim and Please read your schedule to see if
the total amount to be paid under this contents cover applies.
If your buildings are damaged or destroyed section is more than €3,000, we may
by any cause covered by this section, the keep up to 30% of the payment until Part A Standard cover – Contents
following will apply. the reinstatement work is complete.
1 We may pay the cost of work carried We will consider the work as complete Excess
out to rebuild, replace or repair your when we have received and checked the
You must pay the excess (the first amount
buildings or arrange for your buildings final invoices and, if necessary, carried
of any claim you make, as shown in the
to be rebuilt, replaced or repaired. If out a final inspection of the work. The
schedule), for each claim unless we say
we decide to pay a cash amount for inspection may be carried out by us or a
otherwise in the policy.
the loss or damage, we won’t pay more representative we appoint.
than our suppliers would charge. Once we have settled your claim (less any
What is covered What is not covered
2 We will take off an amount for wear and amount we have kept back), we will agree
tear if the buildings have not been well a date that the reinstatement work should We will cover the contents within the a Property more specifically insured.
maintained. be completed by and the invoices sent to home against loss or damage caused
b Money, stock or bond certificates,
us. If you have not claimed the amount we by the insured risks shown on pages 20
3 We will not pay the cost of repairing or documents or certificates of any kind.
have kept back after six weeks from the and 21.
restoring any undamaged part of the date we settled your claim, we will write c Motor vehicles (other than ride-on
buildings. to you to remind you of the unclaimed lawnmowers), boats, aircraft (other
4 We will not reduce the sum amount and our requirements to release than hand-propelled or model aircraft),
insured after paying a claim as the payment. If you need us to extend the caravans, trailers and accessories in
long as you agree to carry out any agreed date, you should contact us to let or on them, pets, livestock, plants,
recommendations we make to prevent us know. If we do not hear from you before trees or shrubs, or mobile phones and
further loss or damage. the agreed date, we may close your claim. accessories for them.
d Property owned or used for business
The most we will pay will be the sum
insured as shown in the schedule (less
If a company has a mortgage on purposes (other than home office
your home equipment).
any excess) and will also depend on any
limits shown in the policy. If, at the time If you have a mortgage with a company
of the loss or damage, the sum insured is (the mortgagee), their interest in this Limits of the amounts we will pay not already provided one) if you make
less than the full rebuilding cost, we may insurance will not be affected by any a claim. The valuation or receipt must
take off an amount to reflect the difference We will not pay more than: be from before the loss or damage
act you or anyone living in the property
between these amounts. For example, if commits which increases the danger 1 30% of the total sum insured under this happened.
the sum insured is equal to 80% of the full of loss or damage if the mortgagee section for valuables.
rebuilding cost, we may pay only 80% of 3 €3,500 for home office equipment.
is unaware of the act. However, the
your claim. mortgagee must contact us immediately if 2 €2,000 for any single item of valuables 4 €5,000 for contents in outbuildings.
they are aware of any act or neglect and covered under this section unless the
If any single event results in a claim under item is specifically referred to in the 5 €750 for heating oil.
more than one section of the policy, only they may have to pay an extra premium.
schedule. For items specifically referred
the highest excess will apply for that event. 6 €5,000 for ride-on lawnmowers.
to in the schedule, we will need a
recent valuation or receipt (if you have
18 Liberty Insurance Liberty Insurance 19Section 2 Contents Section 2 Contents
Insured risks What is covered What is not covered
What is covered What is not covered 6 Storm or flood. a Loss or damage caused by frost.
1 Fire (including smoke), lightning, b Damage caused by wear and tear or
earthquake and explosion. anything which happens gradually.
2 An aircraft or other flying objects or 7 The buildings being hit by any road or Loss or damage caused by pets.
articles dropped from them hitting the rail vehicle (or anything falling from them)
home. or animal.
3 Theft or attempted theft. a Loss or damage which happens during 8 Falling trees or branches. a Destruction or damage caused by
any periods when the buildings are felling or lopping.
unfurnished or when your home has b The cost of removing fallen trees or
been unoccupied for more than 30 days parts of them unless they have given rise
in a row. to a valid claim under this policy.
b Loss or damage unless violence and 9 Falling radio and television aerials Loss or damage to the aerials, fittings,
force are used to get into or out of the (including satellite dishes), their fittings dishes and masts themselves.
property when any part of the buildings is and masts.
lent, let or sublet. 10 Riot, civil commotion, labour and political a Destruction or damage which happens
c Theft by deception, unless deception disturbances, vandalism and acts by during any period when the buildings are
is used only as a way to get into your malicious people. left unfurnished or when your home has
home. been unoccupied for more than 30 days
in a row.
4 Oil escaping from any fixed heating a Destruction or damage which happens
installation. during any periods when the buildings b Destruction or damage by vandalism or
are left unfurnished or when your home malicious acts by you, your household,
has been unoccupied for more than 30 paying guests or tenants, or by any
days in a row. person legally entitled to be in or on the
buildings.
b Damage to the heating installation as a
result of wear and tear. 11 Subsidence, heave or landslip of the site a Destruction or damage caused by any
5 Water escaping from any fixed water or a Destruction or damage which happens on which the buildings stand. structures bedding down.
heating installation or from any domestic during any periods when the buildings b The coast or river bank wearing away.
appliance. are left unfurnished or when your home
has been unoccupied for more than 30 c Faulty design.
days in a row.
d Poor foundations, demolition,
b Damage to the water or heating structural alterations or structural repair.
installation or domestic appliance, as a
result of wear and tear.
c The first amount of the claim, as shown
in the schedule as ‘Escape of water’
excess.
20 Liberty Insurance Liberty Insurance 21Section 2 Contents Section 2 Contents
Part B Extra benefits – Contents What is covered What is not covered
Excess 3 Pedal cycles Any bicycle left unattended and unlocked
You must pay the excess (the first amount This extension covers pedal cycles and away from the home, outbuildings or
of any claim you make, as shown in the accessories on them up to €300 for each boundary.
schedule), for each claim you make unless cycle unless we say otherwise in the The first amount of the claim, as shown
we say otherwise in the policy. schedule. in the schedule as ‘Pedal cycles’ excess.
4 TV, video, audio and computer a Damage to tapes, cassettes,
What is covered What is not covered equipment cartridges, records or discs of any kind.
1 Money and credit cards • Money and cards held for business use. Accidental damage, while in the home, b Damage to equipment designed to be
to TV, video, audio and computer portable while it is being transported,
This extension insures: • Shortages due to mistakes or neglect.
equipment carried or moved.
a money belonging to you or a member • Any loss not reported to the gardai
of your household up to €500 (unless we within 24 hours of discovering it. c Damage to mobile phones or mobile
say otherwise in the schedule in any one phone equipment.
• Any loss you suffer after reporting the
period of insurance); and d Lost, destroyed or corrupted
loss to the issuing authority.
b amounts which you may legally have to information or programs.
pay under the terms of any credit card or • Liability resulting from:
cash-dispenser card as a result of losing – failure to report to the card-issuing We will not pay more than €2,000 for any
that card and it then being fraudulently authority immediately (no later than one item.
used (up to €1,500 unless we say 24 hours) on discovering the loss; 5 Visitors’ personal belongings a Property owned by paying guests.
otherwise in the schedule in any one – failure to keep to the conditions
We will pay for loss or damage caused by b We will not pay more than €1,000 for
period of insurance). under which the card is issued; or
any of the insured risks under Section 2 any one claim under this section.
– from fraudulent use of the card by
Part A to your visitors’ personal belongings
any person related to you or by a
while they are temporarily in your home.
member of your household.
2 Frozen foods • Loss or damage if the deep freeze or Exclusions to 1-5 above
refrigerator is more than 10 years old. a Damage caused by misuse.
This extension covers the contents of b Mechanical or electrical breakdown
a deep freeze or refrigerator if they • Loss or damage when the home has (except for item 2).
are spoilt, up to €700 unless we say been unoccupied for more than 30 days c Loss or damage by wear and tear,
otherwise in the schedule. The cover in a row. atmospheric or climatic conditions,
applies if the loss happens in your home movement, settlement or shrinkage, wet
and is caused by: or dry rot, vermin, insects, fungus or
a the accidental failure of the freezing unit; anything which happens gradually.
b a refrigerant or refrigerant fumes; or d Damage caused by the process
c accidental failure of the electricity or of cleaning, repairing, taking apart,
gas supply which is not a deliberate act changing or restoring;
of the supply authority. e Damage by chewing, scratching,
tearing or fouling by domestic animals.
f Property owned or used for business
purposes (other than home office
equipment).
22 Liberty Insurance table continues
Liberty overleaf
Insurance 23Section 2 Contents Section 2 Contents
What is covered What is not covered What is covered What is not covered
6 Replacement locks We will not pay more than €650 for any 10 Tenant’s liability We will not cover any liability which
We will pay the cost of replacing locks one claim under this section. a We will cover damage to the buildings arises while the buildings are left without
(including keys) to any outside door of and decorations inside for which you are enough furniture to be lived in.
the home if the keys have been stolen responsible as a tenant if the damage We will not pay more than 10% of the
from the home or stolen from a member is caused by one of the risks shown in contents sum insured for this extension.
of your household during an assault. section 1. The excess will not apply to claims under
b We will also cover accidental damage this section.
7 Breaking glass Loss or damage while the buildings are
for which you are responsible as a tenant
We will cover accidental breakage of left unfurnished or when the home has
to underground water, drain, sewage and
mirrors, ceramic glass in cooker hobs, been unoccupied for more than 30 days
gas pipes and underground electricity
plate-glass tops to furniture and fixed in a row.
and phone cables extending from the
glass in furniture while in the home. buildings to the public mains, including
8 Household goods temporarily moved a Damage by storm or flood to property underground television cables and oil
not in a building. pipes.
Loss of or damage to household goods
(not including money, TV, audio, video b Theft, other than: 11 Temporary accommodation and rent We will not pay more than 15% of the
or computer equipment) while they are • from a bank; If you cannot live in your home because contents sum insured under this section.
temporarily moved elsewhere in the • from any building where you or a of loss or damage caused by any of the The excess will not apply to claims under
Republic of Ireland, Northern Ireland, member of your household is living, insured risks, we will pay: this section.
Great Britain, the Isle of Man and the employed or involved in business; or a the rent for which you are legally
Channel Islands, caused by the insured • while being moved to or from any responsible; and
risks under Section 2 Part A. bank or safe deposit while in your b the reasonable cost of other similar
charge or that of someone you have accommodation for the period you
authorised. cannot live in the home.
c Property moved to be sold, exhibited or 12 Wedding and Christmas gifts
to a storage facility. The contents sum insured is
d Property more specifically insured. automatically increased by 10%:
a during the month of December only, to
The accidental damage extension does cover gifts and extra food and drink for
not apply to this section. the Christmas season; or
We will not pay more than 15% of the b during one month before and one
contents sum insured for this extension. month after your wedding day or the
9 Title deeds We will not pay more than €750 for any wedding day of you or a member of your
one claim. household, to cover wedding gifts.
We will pay the cost of preparing new
title deeds for your home if they are The excess will not apply to claims under table continues overleaf
lost or damaged by any of the insured this section.
risks under Section 2 Part A while in
your home or kept by a bank, solicitor or
mortgage lender.
24 Liberty Insurance Liberty Insurance 25Section 2 Contents Section 2 Contents
What is covered What is not covered
Optional extension
13 Fatal injury benefit The excess will not apply to claims under Part C Accidental damage –
We will pay €5,000 if you or your this section. Contents
husband, wife or partner dies, either This extension only applies if the schedule
separately or together, as a result of an shows that you have accidental damage
injury in the home caused by fire or an cover for contents.
assault by intruders. We will only pay
this benefit if you or your husband, wife
or partner (or both of you) dies within 90
Excess
days of the incident. You must pay the excess (the first amount
14 Jury service We will not pay more than €700 for any of any claim you make, as shown in the
one claim. schedule), of each claim.
We will pay €25 a day for each day you
or your husband, wife or civil partner are The excess will not apply to claims under
in court for jury service, as long as you this section. What is covered What is not covered
give us satisfactory written proof of your
We will pay for accidental damage to the a Damage while your home, or any part
jury service.
contents. of it, is lent, let or sublet.
15 Contents in the garden a We will not pay more than €650 for any b Damage when the buildings are left
Loss or damage to contents not in the one claim. unfurnished or when the home has been
home but within the boundaries of your b Loss or damage specifically excluded unoccupied for more than 30 days in a row.
home caused by the insured risks listed by Part A of Section 2 Contents. c Damage by wear and tear, atmospheric
in Part A of Section 2 Contents. or climatic conditions, movement,
settlement or shrinkage, wet or dry rot,
vermin, insects, fungus, electrical or
mechanical breakdown or anything which
happens gradually.
d Loss or damage by a cause listed in or
specifically excluded by Part A of Section
2 Contents.
e Damage by faulty workmanship,
materials or design.
f Demolition of, or structural alteration
or structural repair to, your buildings or
damage caused by any of these.
g Damage caused by the process
of cleaning, repairing, taking apart,
changing or restoring.
table continues overleaf
26 Liberty Insurance Liberty Insurance 27Section 2 Contents Section 3 Cover for items away from the home – ‘All risks’
Section 3 Cover for items away
from the home – ‘All risks’
Please read your schedule to see if this
What is covered What is not covered
cover applies.
h Damage by chewing, scratching, Excess
tearing or fouling by domestic animals.
You must pay the excess (the first amount
i Damage to clothing, contact lenses,
of any claim you make, as shown in the
stamps, hearing aids, plants, food or
schedule), of each claim.
drink, money or pedal cycles.
j Cracked, scratched or broken china,
marble, porcelain, glass or other similar What is covered What is not covered
brittle items. We will cover loss of or damage to: a Items that don’t belong to you or a
k Lost or corrupted information or 1. any item specified in the schedule member of your household.
programs. up to each sum insured shown in the b Damage caused by misuse.
schedule;
2. personal belongings up to each sum c Any sports equipment while you are
How we settle claims However, for items that can be insured for unspecified items shown in using it.
economically repaired we will pay the cost the schedule (there is a limit of €1,500 d Damage by wear and tear, atmospheric
If your contents are damaged by any of the of repair (or if we decide, to arrange for for any one item); or climatic conditions, movement,
causes covered under this section we can: their repair). • anywhere in the Republic of Ireland, settlement or shrinkage, wet or dry rot,
• replace them as new with an equivalent Northern Ireland, Great Britain, or the
We will not reduce the sum insured after vermin, insects, fungus, mechanical or
item; or Continent of Europe; and
we pay a claim as long as you agree to electrical breakdown or anything which
• pay an amount to replace the items as • elsewhere in the world for up to 60 days
carry out any recommendations we make happens gradually.
new with an equivalent item. in any one period of insurance.
to prevent further loss or damage. e Damage by faulty workmanship,
The most we will pay will be each sum materials or design
insured as shown in the schedule (less any
f Damage by chewing, scratching, tearing
excess) and will also depend on any limits
or fouling by domestic animals.
shown in the policy. If at the time of loss
or damage the sum insured is less than g Any person, authority or agency
the cost of replacing all the contents as confiscating or holding your property or
new, we may take off an amount to reflect attempting to do so.
the difference between these values. h Motor vehicles (including ride-on
For example, if the sum insured is equal lawnmowers), boats, aircraft, pedal
to 80% of the cost of replacing all the cycles, camping equipment, caravans,
contents as new, we may pay only 80% of trailers and accessories, pets, livestock,
your claim. mobile phones and accessories, money,
If any single event results in a claim under contact lenses or hearing aids.
more than one section of the policy, only
i Property owned or used for business
the highest excess will apply for that event.
purposes (other than home office
equipment).
table continues overleaf
28 Liberty Insurance Liberty Insurance 29Section 3 Cover for items away from the home – ‘All risks’ Section 4 Liabilities
Section 4 Liabilities
What is covered What is not covered
Part A Property owner’s liability
j Damage caused by the process What is covered What is not covered
of cleaning, repairing, taking apart,
changing or restoring. If the schedule shows that Section We will not cover any liability arising
1 Buildings applies, we will cover from:
k Cracked, scratched or broken china,
damages that you are legally liable for a your trade, profession, business
marble, porcelain, glass or other similar
as the owner of the buildings (but not as (other than as owner of the buildings) or
brittle items.
occupier) for accidents which happen employment;
l Lost or corrupted information or during the period of insurance and that b your personal liability not associated
programs result in: with owning the buildings;
m Theft from an unattended motor 1. bodily injury, illness or death of any c owning, having or using lifts, vehicles
vehicle, unless the item is in a locked person other than someone you employ or bicycles;
boot, hidden luggage compartment or or a member of your household; or d accepting liability under an agreement
glove compartment and force has been 2. loss of or damage to property you or unless you would have had the liability if
used to enter the vehicle – we will also a member of your household do not own the agreement did not exist;
pay no more than €635 in any one or control. e transmitting Aids or HIV-related
incident. If you die, your legal representative illnesses or any sexually-transmitted
will have the benefit of this section for diseases;
n Loss or damage by a cause listed in or f owning any animals;
any liability you may have for an event
specifically excluded by Part A of Section g owning, having or using any aircraft
covered by this section.
2 Contents. (other than hand-propelled or model
aircraft) or watercraft (other than
How we settle claims The most we will pay will be each sum manually-operated rowing boats, punts
insured as shown in the schedule (less any or canoes); or
When you make a claim for the loss of or excess) and will also depend on any limits h owning a spa, whirlpool or hot tub
damage to any property insured under this shown in the policy. unless it is disinfected and maintained
section we can choose to:
If any single event results in a claim under in line with the manufacturer’s
• replace the item as new with a similar
more than one section of the policy, only recommendations.
item; or
• pay an amount to replace the item with the highest excess will apply for that event. We will not pay more than €1,300,000
an equivalent item. for any one event. We will also pay the
claimant’s costs and expenses, and your
We will not take off an amount for wear and
costs and expenses if we have given our
tear as long as the sum insured represents
written permission.
at least the full replacement value of all the
property insured.
Where an item is specified in the schedule
we will need a recent valuation or receipt
(if you have not already provided one) if
you make a claim. The valuation or receipt
must be from before the loss or damage.
30 Liberty Insurance Liberty Insurance 31Section 4 Liabilities Section 4 Liabilities
Part B Public liability What is covered What is not covered
k owning or using dangerous dogs as
What is covered What is not covered
defined in regulations made under the
If the schedule shows that Section 2 We will not cover any liability arising Control of Dogs Act 1986 or any further
Contents applies, we will cover damages from: amendments to that Act if the dogs are
that you are legally liable for: a your trade, profession, business or not owned or used in line with those
1. as occupier of the buildings (but not as
employment; regulations;
owner); or b you owning or using any land other l using entertainment equipment or
2. in your personal capacity anywhere in than the home; facilities provided by someone else in
the Republic of Ireland, Northern Ireland,c any deliberate or malicious act; connection with a social event;
Great Britain, Isle of Man, Channel d owning, having or using lifts, m owning a spa, whirlpool or hot tub
Islands or elsewhere in the world in the mechanically propelled vehicles or unless it is disinfected and maintained
course of a visit not planned to last morebicycles (other than pedestrian-controlled in line with the manufacturer’s
than 60 days in a row. gardening tools, motorised wheelchairs recommendations; or
This applies to accidents which happen or as a passenger on any of these); n any liability for which you must have
during the period of insurance and that e accepting liability under an agreement insurance cover under the terms of the
result in: unless you would have had the liability if Road Traffic Acts.
• bodily injury, illness or death of any the agreement did not exist; We will not pay more than €1,300,000
person other than someone you employ f transmitting Aids or HIV-related for any one event. We will also pay the
or a member of your household; or illnesses or any sexually-transmitted claimant’s costs and expenses, and your
• loss of or damage to property you or a diseases; costs and expenses if we have given our
member of your household do not own or g owning, having or using any aircraft written permission.
control. (other than hand-propelled or model
aircraft) or watercraft (other than model
If you die, your legal representative
watercraft, manually-operated rowing
will have the benefit of this section for
boats, punts or canoes);
any liability you may have for an event
h owning, having or using a firearm other
covered by this section.
than licensed sporting guns and airguns;
i owning, having or using any dangerous
implement (such as chainsaws,
blowtorches, welding equipment or
any equipment which needs the use of
protective clothing) which is being used
away from the home;
j owning or using any animals other
than horses, cats or dogs, or any other
animals normally domesticated in
Ireland;
32 Liberty Insurance Liberty Insurance 33Section 4 Liabilities Section 5 Home emergency assistance
Section 5 Home emergency
assistance
Part C Liability to domestic employees Please read your schedule to see if you
have ‘Home emergency assistance’
What is covered What is not covered cover. Home emergency
If the schedule shows that Section 2 We will not cover any liability caused by: We will only cover the cost for repairs assistance:
Contents applies, we will cover the a carrying out structural improvements or we have authorised through the Home
following.
We will cover your legal liability for
alterations;
b any independent consultant or their
emergency assistance helpline
1800 209 300
If there is an emergency in your home, we
damages and claimant’s costs and employees; or
can provide help 24 hours a day, 365 days
expenses or bodily injury or disease c tree felling or lopping.
a year.
which any domestic employee (including We will not pay more than €2,600,000
chauffeurs, grooms, gardeners and for any one event. We will also pay the If you make a claim under this section, it If the cost of the repairs go above these
temporary and occasional employees) claimant’s costs and expenses, and your will not affect your no-claims discount. amounts, you must pay the difference.
or any person carrying out repairs costs and expenses if we have given our If the damage is covered by your policy
or decorations suffers while in your written permission. Definitions and you make a claim, we will refund this
employment. The injury or disease must amount less any excess.
We will not be liable under this section The following definitions apply as well as
be connected with your living in the
for any liability you have under an the definitions on page 3 of your policy. This is not a maintenance contract for your
buildings or any temporary residence
agreement which you would not have home. This section covers emergency
in the Republic of Ireland or Northern a Emergency repair – a repair necessary
had if the agreement did not exist. repairs and does not replace the cover on
Ireland. It must also be caused while the to make your home safe and to prevent your home insurance policy.
policy is in force. further loss or damage as a result of
an unexpected or sudden incident that
causes damage to your home by the
How we settle claims Cover for your personal representatives insured risks on the next page.
Maximum limit of our liability If you die, we will insure your personal b Home – (this definition replaces the
representatives for any liability you are definition on page 3 for this section
For any incident, we may pay you the responsible for under the terms, conditions (section 5) only) – the private residence
maximum amount due under this policy and limits of the policy. Your personal (excluding outbuildings) at the address
or the rest of any maximum amount if we representatives must meet any terms and shown in the schedule. Your home
have already made payments for claims conditions of this policy in the same way must be built of brick, stone or concrete
arising out of that accident. When we have as you. and roofed with slate, tiles or asphalt
paid you this, we will no longer be liable unless described differently under any
to you for the accident other than for the endorsement.
costs you paid or agreed to pay with our
permission before we made the maximum Cover provided
payment. We will not be responsible for
any damage you claim to have suffered We will cover the cost of the call-out,
as a result of our action or neglect in labour and materials needed for the
connection with this claim or proceedings. emergency repairs set out on page 36, up
to a maximum of €250 for each emergency.
34 Liberty Insurance Liberty Insurance 35You can also read
