Your Home Insurance Policy Document (Republic of Ireland) - Liberty Insurance

 
Your Home Insurance Policy Document (Republic of Ireland) - Liberty Insurance
Your Home Insurance
Policy Document (Republic of Ireland)

     Proud Partner
Your Home Insurance Policy Document (Republic of Ireland) - Liberty Insurance
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
Your Home Insurance Policy Document (Republic of Ireland) - Liberty Insurance
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.

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Your Home Insurance Policy Document (Republic of Ireland) - Liberty Insurance
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

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Your Home Insurance Policy Document (Republic of Ireland) - Liberty Insurance
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:

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Your Home Insurance Policy Document (Republic of Ireland) - Liberty Insurance
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

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Your Home Insurance Policy Document (Republic of Ireland) - Liberty Insurance
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.

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Your Home Insurance Policy Document (Republic of Ireland) - Liberty Insurance
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

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Your Home Insurance Policy Document (Republic of Ireland) - Liberty Insurance
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
Your Home Insurance Policy Document (Republic of Ireland) - Liberty Insurance
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 17
Section 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 19
Section 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 21
Section 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  23
Section 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 25
Section 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 27
Section 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 29
Section 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 31
Section 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 33
Section 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 35
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