Home Cover Policy wording

Home CoverPolicy

Excess amounts■ Policy Excess amounts: Buildings & Contents €250 (excess of

€1,000 applies to Water or Subsidence damage claims).■ Family Legal Protection Cover Excess amount: €350 for any legal

nuisance or trespass events.

No Policy Excess amount for the following claims:■ Loss of Freezer Contents - Up to €1,000■ Fraudulent Use of Money Cards - Up to €1,000 (Plus) or €3,000 (Premium)■ Preparing new Title Deeds - Up to €750■ Loss or damage to Visitors' Property - Up to €1,000 (Plus) or €3,000 (Premium)■ Fire Brigade Charges - Up to €1,500 (Plus) or €2,000 (Premium)■ Liability incidents

DAS Helpline Services:Legal Advice Service:1850 670 747Opening Hours: 24/7

Identity Theft Service:1890 252 922Opening Hours: Mon-Fri ( 9am to 5pm)

Counselling Service:1850 670 407Opening Hours: 24/7

Health & Medical Information:1890 254 164Opening Hours: 7pm to 9am

Useful Contact NumbersAIG Helpline Services:24/7 Home Claims Notification - 01 859 9700

Customer Service Team - 1890 27 27 27Opening Hours: Monday to Friday, 9am to 6pm.

Find a Local Repairer 24/7 - 1850 924 012

Introduction to Your Policy .................................................. 02Your Family Legal Protection Cover ......................................08Your Home Cover Policy Definitions ................................... 20Section 1 – Your Buildings Cover ........................................ 24Home Plus additional buildings cover ................................. 32Home Premium additional buildings cover .......................... 34Section 2 – Your Contents Cover ....................................... 36Home Plus additional contents cover .................................. 41Home Premium additional contents cover ........................... 45Section 3 – Your Optional All Risks Cover............................ 50Section 4 – Your Optional Pedal Cycle Cover ..................... 52Section 5 – Your Optional Caravan / Mobile Home Cover .. 53How Claims will be settled ................................................ 56What to do if an event insured occurs ................................ 58Section 6 – Optional Extra Covers ..................................... 61Important Policy Terms & Conditions .................................. 68Important General Exclusions ............................................ 71Endorsements .................................................................. 74

Contents

Home Cover Policy 1

Important InformationThis is Your home insurance policy. Itis a contract of insurance between Youand Us, AIG Europe Limited, and ismade up of this policy wording, YourHome Insurance Schedule and YourStatement of Facts Proposal Form.Please read these documents carefully.

Your Statement of Facts Proposal Formis based on all of the information Youhave provided to Us. Please check thisinformation carefully and let Us knowimmediately if any part of thisinformation is not correct.

Your Policy Cover LevelOur Home Cover Policy comes withtwo levels of cover:

• Plus • Premium

Your Home Insurance Schedule willindicate which cover option You haveselected. You should read this HomeCover Policy wording and Your HomeInsurance Schedule together. Pleasecheck these documents carefully tomake sure they give You the cover Youwant. Throughout the body text of thispolicy wording, cover limits arebolded.

Cooling-Off PeriodYou have 14 days from the start dateof the policy to write to Us at theaddress shown at the bottom of Yourcover confirmation letter if You want tocancel Your Home Cover Policy. This isknown as a cooling-off period. If You cancel Your Home Cover Policyduring this period of time, providedYou have not made a claim, We willrefund Your premium. However, Youwill be charged with a pro-ratapremium for the period on risk, duringthe cooling-off period.

Welcome to Your AIG HomeInsurance Policy and thankYou for arranging Your homeinsurance cover with Us.

Introduction to Your AIG Home Cover Policy

2 Home Cover Policy

Your Duty of Disclosure You must advise Us immediately if theuse of Your home changes, such as itbecoming let out to tenants, used as aholiday home, becoming unoccupiedfor more than 35 consecutive days, orbeing used for any business purpose.

You should also tell Us immediately ifthe nature of Your home changes in away that might affect our attitude tothe cover provided – for exampleduring the building of an extension orthe re-roofing of the property withnon-standard materials. If You are inany doubt as to whether a change ismaterial, please notify Us.

Inflation ProtectionTo protect You against the effects ofinflation, Your Buildings and ContentsSum Insured, may be increased in linewith an appropriate index* when Yourpolicy falls due for renewal. If We doincrease Your sums insured at renewaltime, We will inform You.

*For Buildings, We will consult boththe House Rebuilding Cost Indexprepared by the Department of theEnvironment - http://www.environ.ie/and the latest guide to houserebuilding costs issued by the Societyof Chartered Surveyors Ireland -http://www.scsi.ie/. *For Contents, We will consult relevant sections ofthe Consumer Price Index prepared bythe Central Statistics Office -http://www.cso.ie/.

Contract of InsuranceThis home insurance policy, whichincludes and shall be read as onedocument with Your Home InsuranceSchedule, Endorsements and YourStatement of Facts Proposal Form,evidences a contract of insurancebetween You and Us.

Provided You have paid or agreed topay the premium, We will, subject tothe terms, conditions, limitations andexclusions of this policy, provide theinsurance cover as described in thefollowing pages for those sections ofthe Home Cover policy You havechosen. You agree to keep to theconditions of the policy.

Thank You for choosing AIG

Signed for and on behalf ofAIG Europe Limited

Declan O’Rourke, General ManagerAIG Europe Ltd., Ireland Branch

Home Cover Policy 3

Governing Law This Policy is governed by the laws ofthe Republic of Ireland and anydispute arising from its interpretationwill be subject to the exclusivejurisdiction of the Courts of theRepublic of Ireland.

Insurer The insurer with which Your HomeInsurance contract will be concluded isAIG Europe Limited.

DAS Family Legal ProtectionYour AIG Home Cover Policyautomatically includes Family LegalProtection from DAS Ireland.

DAS Legal Expenses InsuranceCompany Limited is authorised andregulated by the Financial ConductAuthority and the PrudentialRegulation Authority of the UnitedKingdom and regulated by the CentralBank of Ireland for conduct ofBusiness rules.

The helpline services available to youby DAS Ireland are listed on page 19.

Insurance Act 1936 (or futureamendments thereto) All monies which become or maybecome payable to Us under thisPolicy shall in accordance with Section93 of the Insurance Act 1936 be

payable and paid in the Republic ofIreland.

Finance Act 1990 (or futureamendments thereto) The appropriate stamp duty has beenor will be paid in accordance with theprovisions of Section 5 of the StampDuties Consolidation Act, 1999, asamended.

Complaints ProcedureThe AIG Europe Limited CustomerComplaints Procedure is coordinatedcentrally by a dedicated CustomerComplaints Officer, in order torespond flexibly and consistentlyacross the Company to the evolvingchanges in our business and also inthe regulatory environmentin which We operate. AIG EuropeLimited wants to give You the bestpossible service. If You feelYou have cause for complaint, Youshould contact the relevantDepartment Manager at AIGEurope Limited, Ireland Branch.

If after such contact You remaindissatisfied, You may also write to theCustomer Complaints Officer at AIGEurope Limited, 30 North Wall Quay,International Financial ServicesCentre, Dublin 1, D01 R8H7. Telephone 01 208 1400.

Additional Information You Need to be Aware of

4 Home Cover Policy

If the complaint is not resolved to Yoursatisfaction, You should contact theGeneral Manager, AIG EuropeLimited, 30 North Wall Quay,International Financial ServicesCentre, Dublin 1, D01 R8H7.

At any stage, You may contact any ofthe following:

Insurance Ireland,Insurance Centre,5 Harbourmaster Place,IFSC, Dublin 1, D01 E7E8..Telephone: 01 6761820; Fax: 01 6761943;Email: [email protected];Web: http://www.iif.ie.

The Central Bank of Ireland, P.O. Box 559, Dame Street, Dublin 2,D02 P656.Telephone: 1890 77 77 77; Fax: 01 6716561.E-mail: [email protected];Web: http://www.centralbank.ie.

The Financial Services Ombudsman’sBureau,3rd Floor, Lincoln House, LincolnPlace, Dublin 2, D02VH29.Lo Call: 1890 882090; Phone: 01 6620899; Fax: 01 6620890.E-mail:[email protected];Web:http://www.financialombudsman.ie.

Dispute Resolution PlatformIf you wish to complain about aninsurance policy purchased online youmay be able to use the EuropeanCommission’s Online DisputeResolution platform, which can befound at the following address:http://ec.europa.eu/consumers/odr/

How We Use Personal InformationAIG Europe Limited is committed toprotecting the privacy of customers,claimants and other business contacts."Personal Information" identifies andrelates to You or other individuals (e.g.Your dependants). By providingpersonal information You givepermission for its use as describedbelow. If You provide personalinformation about another individual,You confirm that You are authorised toprovide it for use as described below.

Depending on Our relationship withYou, personal information collectedmay include: identification andcontact information, payment cardand bank account, credit referenceand scoring information, sensitiveinformation about health or medicalcondition, driving pattern informationobtained from telematic devices incustomer vehicles (where customershave consented), and other personalinformation provided by You. personalinformation may be used for thefollowing purposes: ■ Insurance administration, e.g.

Home Cover Policy 5

communications, claims processingand payment;

■ Decision-making on provision ofinsurance cover and payment planeligibility;

■ Assistance and advice on medicaland travel matters;

■ Management and audit of ourbusiness operations;

■ Prevention, detection andinvestigation of crime, e.g. fraudand money laundering;

■ Establishment and defence of legalrights;

■ Legal and regulatory compliance,including compliance with lawsoutside Your country of residence;

■ Monitoring and recording oftelephone calls for quality, trainingand security purposes;

■ Marketing, market research andanalysis.

To Opt-Out of MarketingCommunicationsContact Us by e-mail at:[email protected] or by writing to:Customer Service Team, AIG EuropeLimited, Ireland Branch, 30 North WallQuay, International Financial ServicesCentre, Dublin 1, D01 R8H7.

If You opt-out We may still send You otherimportant communications, e.g.communications relating to administrationof Your insurance policy or claim.

Sharing of Personal InformationFor the above purposes PersonalInformation may be shared with Ourgroup companies, brokers and otherdistribution parties, insurers andreinsurers, credit reference agencies,healthcare professionals and otherservice providers. Personal Informationwill be shared with other third parties(including government authorities) ifrequired by law. Personal information(including details of injuries) may berecorded on claims registers (i.e.Insurance Link and Claims andUnderwriting Exchange (CUE) ), andshared with other insurers. We maysearch these registers to detect andprevent fraud. Details on how InsuranceLink operates can be found athttp://info.insurancelink.ie and CUE athttp://www.insurancedatabases.co.uk.Personal information may be sharedwith prospective purchasers andpurchasers, and transferred upon a sale of Our company or transfer ofbusiness assets.

International TransferDue to the global nature of Ourbusiness personal information may betransferred to parties located in othercountries, including the United Statesand other countries with different dataprotection laws than in Your country ofresidence.

6 Home Cover Policy

Security and Retention of PersonalInformation Appropriate legal and securitymeasures are used to protect personalinformation. Our service providers arealso selected carefully and required touse appropriate protective measures.Personal information will be retainedfor the period necessary to fulfil thepurposes described above.

Requests or QuestionsTo request access or correct inaccuratepersonal information, or to request the

deletion or suppression of personalinformation, or object to its use, pleasee-mail: [email protected] or writeto Data Protection Officer, AIG EuropeLimited, Ireland Branch, 30 NorthWall Quay, International FinancialServices Centre, Dublin 1, D01 R8H7.

More details about Our use ofpersonal information can be found inOur full Privacy Policy at www.aig.ie orYou may request a copy using thecontact details above.

This insurance is underwritten by AIG Europe Limited. Registered in England and Wales. Companynumber: 01486260. Registered office: The AIG Building, 58 Fenchurch Street, London EC3M4AB,United Kingdom.

AIG Europe Limited, Ireland Branch, registered branch office 30 North Wall Quay, InternationalFinancial Services Centre, Dublin 1, D01 R8H7.

Branch registration number 906664. Tel:+353 1 208 1400.

AIG Europe Limited is authorised by the Prudential Regulation Authority of the United Kingdom, and isregulated by the Central Bank of Ireland for conduct of business rules.

DAS Legal Expenses Insurance Company Limited is authorised by the Prudential Regulation Authorityand regulated by the Financial Conduct Authority and the Prudential Regulation Authority of the UnitedKingdom and regulated by the Central Bank of Ireland for conduct of Business rules.

Home Cover Policy 7

Your Family Legal Protection Cover

Your AIG Home Cover Policyincorporates DAS Family LegalProtection. You are now protected byEurope’s leading legal expensesinsurer. To make sure you get the mostfrom your DAS cover, please take timeto read this section which explains thecontract between you and DAS.

How DAS Can HelpTo make a claim under your policy,please write to the DAS ClaimsDepartment at the following address: Claims Department, DAS LegalExpenses Insurance Company Limited,Europa House, Harcourt Centre,Harcourt Street, Dublin 2, D02 WR20.

Please include your AIG HomeCover policy number when you writeto DAS.

Once you have sent DAS details ofyour claim and your dispute needs tobe dealt with as a claim under thispolicy, DAS will give you a claimreference number. At this point DAS

will not be able to tell you whether youare covered but they will pass theinformation you give them to theirclaims-handling teams and explainwhat to do next.

You can phone DAS between thetimes shown under HELPLINESERVICES on page 18 of the policyon 1850 670 747 if you requireadvice on any personal legal problemsubject to the laws of the Republic ofIreland, United Kingdom, ChannelIslands and Isle of Man.

As a member of Insurance Ireland,DAS subscribes to the InsuranceIreland Code of Practice. These codesset down the requirements insurersmust meet when dealing withcustomers. You can see the code atwww.insuranceireland.eu. If you wouldlike to receive a written copy pleasecontact DAS or Insurance Ireland.

When DAS Cannot HelpPlease do not ask for help from a

Welcome To Your FamilyLegal Protection Cover

(Underwritten by DAS Legal Expenses Insurance Company Limited)

8 Home Cover Policy

lawyer, accountant or anyone elsebefore DAS have agreed. If you do,DAS will not pay the costs involvedeven if DAS accept the claim.

ProblemsDAS will always try to give you aquality service. If you think DAS havelet you down, please write to theirOperations Manager at:

DAS Legal Expenses InsuranceCompany Limited, Europa House,Harcourt Centre, Harcourt Street,Dublin 2, D02 WR20.

You can also phone DAS duringstandard office hours on 01 6707470 or email DAS [email protected]

Details of DAS internal complaint-handling procedures are available onrequest.

If you are still not satisfied, you cancontact the Insurance Division of theFinancial Services OmbudsmanBureau, 3rd Floor, Lincoln House,Lincoln Place, Dublin 2, D02VH29.You can also contact them on 1890882 090. Website:www.financialombudsman.ie. (Usingthis service does not affect your rightto take legal action.)

For further information about StatutoryRights, an insured person shouldcontact the Competition and ConsumerProtection Commission.

DAS Ireland is a branch office of DAS

Legal Expenses Insurance CompanyLimited, having its registered office atDAS House, Quay Side, Temple Back,Bristol, BS1 6NH, registered inEngland and Wales, company number103274.

DAS Legal Expenses InsuranceCompany Limited is authorised andregulated by the Financial ConductAuthority and the PrudentialRegulation Authority of the UnitedKingdom and regulated by the CentralBank of Ireland for conduct ofBusiness rules.

THE MEANING OF WORDS INYOUR FAMILY LEGAL PROTECTIONSECTION OF YOUR HOME COVER

DASDAS Legal Expenses InsuranceCompany Limited

You, YourThe person who has taken out thepolicy

Insured PersonYou, and any member of your familywho always lives with you. Anyoneclaiming under this policy must haveyour agreement to claim.

RepresentativeThe lawyer, accountant or othersuitably qualified person whom DASappoint to act for an insured person inaccordance with the terms of thispolicy.

Home Cover Policy 9

Period of insuranceThe period for which DAS have agreedto cover an insured person. Pleaserefer to Your AIG Home InsuranceSchedule.

Date of occurrence(a) For civil cases, the date of

occurrence is the date of the eventwhich leads to a claim. If there ismore than one event arising atdifferent times from the sameoriginating cause, the date ofoccurrence is the date of the firstof these events.

(b) For criminal cases, the date ofoccurrence is when the insuredperson began, or is alleged tohave begun, to break the criminallaw in question.

(c) For insured incident 7 TAXPROTECTION, the date ofoccurrence is when the RevenueCommissioner first notifies theinsured person in writing of theirintention to make an enquiry.

Identity TheftThe theft or unauthorised use of aninsured person’s personalidentification which has resulted in theunlawful use of their identity.

Revenue AuditAn examination by the RevenueCommissioners of an insured person’sself-assessment return for income taxor capital gains tax.

Costs and Expenses(a) Accountants costs – All reasonable

and necessary costs chargeable bythe representative.

(b) Attendance expenses – Theinsured person’s net salary orwages for the time that the insuredperson is off work. DAS will pay foreach half or whole day that thecourt, tribunal or the insuredperson’s employer will not pay for.The amount DAS will pay is basedon the following:■ The time the insured person is

off work, including the time ittakes to travel to and from thecourt or tribunal. This will becalculated to the nearest halfday assuming that a whole dayis eight hours;

■ If the insured person works fulltime, the salary or wages foreach day equals 1/250th of theinsured person’s yearly salary orwages;

■ If the insured person works part-time, the salary or wages will bea proportion of the insuredperson’s weekly salary or wages;

■ If the insured person is self-employed, DAS will pay netsalary or wages that the insuredperson draws from the businessto cover their own personalcost-of-living expenses.

(c) Communication costs – Costs ofphone calls, faxes, or postageincurred by the insured person tocommunicate with the Gardaí,

10 Home Cover Policy

credit agencies, financial-serviceproviders, other creditors or debt-collection agencies and the cost ofreplacement documents.

(d) Legal Costs – All reasonable andnecessary costs changed by therepresentative on a party/partybasis. For INSURED INCIDENT 3BODILY INJURY, DAS will initiallypay the application fee required bythe Injuries Board (IB).

(e) Opponents costs – The costsincurred by opponents in civilcases if an insured person hasbeen ordered to pay them, or paysthem with DAS’s agreement.

Countries CoveredFor INSURED INCIDENTS 1CONTRACT DISPUTES and 3 BODILYINJURY – The European Union, theUK, the Isle of man, the ChannelIslands, Albania, Andorra, BosniaHerzegovina, Croatia, Gibraltar,Iceland, Liechtenstein, Macedonia,Monaco, Montenegro, Norway, SanMarino, Serbia, Switzerland andTurkey.

For all other insured incidents – TheRepublic of Ireland.

COVERDAS agrees to provide the insurancein this policy, as long as:

(a) the premium has been paid; and(b) the date of occurrence of the

insured incident is during theperiod of insurance; and

(c) any legal proceedings will be dealt

with by a court, or other bodywhich DAS agree to, in theterritorial limit; and

(d) for civil claims, it is always morelikely than not that an insuredperson will recover damages (orobtain any other legal remedywhich DAS have agreed to) ormake a successful defence.

WHAT DAS WILL PAY1 (a) For all INSURED INCIDENTS

under this policy, DAS will paylegal costs and opponentscosts;

(b) for INSURED INCIDENT 3BODILY INJURY claims, DASwill pay the application feerequired by the Injuries Board (IB);

(c) for INSURED INCIDENT 7TAX PROTECTION, DAS willpay accountants’ costs;

(d) for INSURED INCIDENT 8JURY SERVICE AND COURTATTENDANCE, DAS will payattendance expenses;

(e) for INSURED INCIDENT 2 IDENTITY THEFT, DASwill pay communication costs.

2 For all insured incidents DAS willpay costs and expenses to make ordefend against an appeal as longas the insured person tells DASwithin the statutory time limitsallowed that they want DAS toappeal. Before DAS pay the costsand expenses for appeals, DASmust agree that it is always more

Home Cover Policy 11

likely than not that the appeal willbe successful.

3 The most DAS will pay for allclaims resulting from one or moreevent arising at the same time orfrom the same originating cause is€65,000.

INSURED INCIDENTS DAS WILLCOVER

1 CONTRACT DISPUTESDAS will negotiate for an insuredperson’s legal rights in a contractualdispute arising from an agreement oran alleged agreement which aninsured has entered into for:

(a) buying or hiring in goods orservices; or

(b) selling goods;

Provided that:

(i) the insured person has enteredinto the agreement or allegedagreement during the period ofinsurance; and

(ii) the amount in dispute is more than€150.

What is not covered underCONTRACT DISPUTES

A claim relating to:

(1) a contract regarding an insuredperson’s trade, profession,employment or any businessventure;

(2) construction work on any land, or

designing, converting or extendingany building where the contractvalue exceeds €7,500 (includingVAT);

(3) the settlement payable under aninsurance policy (DAS willnegotiate if an insured person’sinsurer refuses their claim, but notfor a dispute over the amount ofthe claim);

(4) a dispute arising from any loan,mortgage, pension, investment orborrowing;

(5) a dispute over the terms of a leaseof land or buildings or a licence ortenancy of land or buildings.However, DAS will cover a disputewith a professional adviser inconnection with the drafting of alease, licence or tenancyagreement.

2 IDENTITY THEFTIdentity theft support service

Following a call to the identity thefthelpline, DAS will help restore aninsured person’s identity and creditstatus if they have become a victim ofidentity theft. DAS will assign apersonal case worker who will providephone advice to help regain aninsured person’s identity.

Legal costs

Following an insured person’s identitytheft:

(1) DAS will pay legal costs to


reinstate an insured person’sidentity including costs for thesigning of statutory declarations orsimilar documents;

(2) DAS will negotiate for an insuredperson’s legal rights in a disputewith debt collectors or any partypursuing legal action against aninsured person arising from orrelating to identity theft;

(3) DAS will pay loan rejection feesand any re-applicationadministration fee for a loan whenan insured person’s originalapplication has been rejected.

Provided that;

(i) the insured person files a Gardareport and notifies banks andbuilding societies as soon aspossible; and

(ii) the insured person tells DAS if theyhave previously suffered identitytheft and;

(iii) the insured person takes allreasonable action to preventcontinued unauthorised use oftheir identity.

What is not covered under Identitytheft

(1) Fraud committed by anotherinsured person under this policy.

(2) Losses arising from an insuredperson’s business activities.

3 BODILY INJURYDAS will negotiate for an insuredperson’s legal rights in a claim against

a party who causes the death of, orbodily injury to, an insured person.This includes helping an insuredperson to register their claim with theInjuries Board (IB).

What is not covered under BODILYINJURY

(1) Illness or bodily injury, whichhappens gradually or is notcaused by a specific or suddenaccident.

(2) Psychological injury or mentalillness unless the condition followsa specific or sudden accident thathas caused physical bodily injuryto the insured person.

(3) Clinical negligence.(4) Defending an insured person’s

legal rights, but defending acounter-claim is covered.

(5) The cost of obtaining a medicalreport when registering a claimwith the IB.

4 CLINICAL NEGLIGENCEDAS will negotiate for an insuredperson’s legal rights where it is allegedthat accidental death or bodily injuryto an insured person has resulted froma single negligent act of surgery,clinical or medical.

What is not covered underCLINICAL NEGLIGENCE

(1) The alleged failure to correctlydiagnose the insured person’scondition.

(2) Psychological injury or mental


illness that is not associated withan insured person having sufferedphysical bodily injury.

5 EMPLOYMENT DISPUTESDAS will negotiate for an insuredperson’s legal rights in a disputerelating to their contract ofemployment or future employment.

What is not covered underEMPLOYMENT DISPUTES

(1) Employers disciplinary hearings orinternal grievance procedures;

(2) Any claim relating solely topersonal injury.

6 PROPERTY PROTECTIONDAS will:

(a) Negotiate for an insured person’slegal rights in a civil action;and/or

(b) arrange mediation (if appropriate);

for a dispute relating to materialproperty (including the insuredperson’s principal and holiday home)which is legally owned by an insuredperson, or for which an insured personis responsible, following:

(1) an event which causes physicaldamage to such material property,provided that the amount indispute is more than €150;

(2) a legal nuisance (meaning anyunlawful interference with aninsured person’s use or enjoyment

of their land, or some right over,or in connection with it);

(3) a trespass.

What is not covered underPROPERTY PROTECTION

(1) A claim relating to:(a) a contract entered into by an

insured person;(b) any building or land other

than the insured person’sprincipal or holiday home;

(c) someone legally taking aninsured person’s materialproperty from them, whetherthe insured person is offeredmoney or not, or restrictionsor controls placed on aninsured person’s materialproperty by any governmentor public or local authority;

(d) work done by, or on behalfof, any government or publicor local authority unless theclaim is for accidentaldamage;

(e) mining subsidence.(2) Defending a claim relating to an

event that causes physical damageto material property, but defendinga counter-claim is covered.

(3) The first €350 of any claim forlegal nuisance or trespass. This ispayable as soon as DAS acceptthe claim.

7 TAX PROTECTIONIn the event of a revenuecommissioner’s audit relating to an


insured person’s self-assessment taxreturn, DAS will negotiate for aninsured person, and represent them inany appeal proceedings.

What is not covered under TAXPROTECTION

(1) A claim relating to an off shoreaccount held by an insuredperson.

(2) The tax affairs of a company, orany claim if the insured person isself-employed, or a sole-trader, orin a business partnership.

(3) Any Revenue Commissioner’saudit where the insured personhas not submitted a self-assessment tax return.

(4) Reviews conducted by the RevenueCommissioner’s as part of itsreview programmes.

8 JURY SERVICE AND COURTATTENDANCEAn insured person’s absence fromwork:

(a) to attend any court or tribunal atthe request of the representative ;or

(b) to perform jury service; or(c) to carry out activities specified by

the identity theft support serviceunder INSURED INCIDENT 2IDENTITY THEFT.

9 LEGAL DEFENCE(1) DAS will defend an insured

person’s legal rights if an eventarising from an insured person’s

work as an employee leads to:(a) an insured person being

prosecuted; or(b) civil action being taken

against an insured personunder legislation for unlawfuldiscrimination.

(2) DAS will defend an insuredperson’s legal rights if an eventleads to their prosecution for anoffence connected with the use ordriving of a motor vehicle.

What is not covered under LEGALDEFENCE

(1) Parking or obstruction offences.(2) The driving of a motor vehicle by

an insured person for which theinsured person does not havevalid motor insurance.

WHAT IS NOT COVERED BY THISSECTION OF YOUR HOME COVER1 A claim where the insured person

has failed to notify DAS of theinsured incident within areasonable time of it happeningand where this failure adverselyaffects the prospect of successfullyrecovering damages (or gettingany other legal remedy that DAShave agreed to) or of making asuccessful defence.

2 An incident or matter arisingbefore the start of this policy.

3 Costs and expenses incurred


before DAS's written acceptance ofa claim.

4 Fines, penalties, compensation ordamages which an insured personis ordered to pay by a court orother authority.

5 A claim intentionally broughtabout by an insured person.

6 A legal action that an insuredperson takes which DAS or therepresentative have not agreed to,or where an insured person doesanything that hinders DAS or therepresentative.

7 A claim relating to written orverbal remarks which damage aninsured person’s reputation.

8 A dispute with DAS not otherwisedealt with under Condition 7.

9 Apart from DAS, the insuredperson is the only person who mayenforce all or any part of thispolicy and the rights and interestsarising from or connected with it.

10 Costs and expenses arising from orrelating to Judicial Review,coroner’s inquest or fatal accidentinquiry.

11 A claim which is fraudulent,exaggerated or dishonest or wherean allegation of dishonesty orviolent behaviour has been madeagainst the insured person.

12 A claim caused by, contributed toor arising from:(a) ionising radiation or

contamination by radioactivityfrom any nuclear fuel or fromany nuclear waste fromburning nuclear fuel;

(b) the radioactive, toxic,explosive or other hazardousproperties of any explosivenuclear assembly or nuclearpart of it;

(c) war, invasion, foreign enemyhostilities (whether it wasdeclared or not), civil war,rebellion, revolution, militaryforce or coup; or

(d) pressure waves caused byaircraft or any other airbornedevices travelling at sonic orsupersonic speeds.

CONDITIONS WHICH APPLY TOTHIS SECTION OF YOUR HOMECOVER1 An insured person must:

(a) keep to the terms andconditions of this home coversection;

(b) try to prevent anythinghappening that may cause aclaim;

(c) take reasonable steps to keepany amount DAS have to payas low as possible;

(d) send everything DAS ask forin writing;


(e) give DAS full truthful detailsby phone or in writing of anyclaim as soon as possible andgive DAS any informationDAS need.

2 (a) DAS can take over andconduct in the name of aninsured person, any claim orlegal proceedings at anytime. DAS can negotiate anyclaim on behalf of an insuredperson.

(b) An insured person is free tochoose a representative (bysending DAS a suitablyqualified person’s name andaddress) if:(i) DAS agree to start legal

proceedings and itbecomes necessary for alawyer to represent theinterests of an insuredperson in thoseproceedings; or

(ii) there is a conflict ofinterest.

(c) In all circumstances exceptthose in 2(b) above, DAS arefree to choose arepresentative.

(d) Any representative will beappointed by DAS torepresent an insured personaccording to their standardterms of appointment. Therepresentative must co-operate fully with DAS at alltimes.

(e) DAS will have direct contact

with the representative.(f) An insured person must co-

operate fully with DAS andthe representative and mustkeep DAS up to date with theprogress of the claim.

(g) An insured person must givethe representative anyinstructions that DAS ask for.

3 (a) An insured person must tellDAS if anyone offers to settlea claim.

(b) If an insured person does notaccept a reasonable offer tosettle a claim, DAS mayrefuse to pay further costs andexpenses.

(c) DAS may decide to pay theinsured person the amount of damages that the insuredperson is claiming, or that isbeing claimed against them, instead of starting orcontinuing legal proceedings.

4 (a) An insured person must telltheir representative to havecosts and expenses taxed,assessed or audited, if DASask for this.

(b) An insured person must takeevery step to recover costsand expenses and IBapplication fee(s) that DAShave to pay, and must payDAS any costs and expensesand IB application fee(s) thatare recovered.

5 If the representative refuses to


continue acting for an insuredperson with good reason, or if aninsured person dismisses therepresentative, the cover DASprovide will end at once and DASwill be entitled to reclaim from youcosts and expenses DAS havepaid.

6 If an insured person settles a claimor withdraws it without DAS'sagreement, or does not givesuitable instructions to arepresentative, the cover DASprovide will end at once and DASwill be entitled to reclaim from youcosts and expenses DAS havepaid.

7 If there is a disagreement aboutthe way DAS handle a claim that isnot resolved through their internalcomplaints procedure, the insuredperson can contact the FinancialService Ombudsman Bureau forhelp.

8 DAS may, at their discretion,require the insured person toobtain, at their expense, anopinion from a lawyer, accountantor other suitably qualified personchosen by the insured person andDAS, on the merits of a claim orproceedings. If the chosenperson’s opinion indicates that it ismore likely than not that aninsured person will recoverdamages (or obtain any otherlegal remedy that DAS haveagreed to) or make a successfuldefence, DAS will pay the cost of

obtaining the opinion.9 DAS will not pay any claim

covered under any other policy, orany claim that would have beencovered by any other policy if thispolicy did not exist.

10 This section of Your Home Coverpolicy will be governed by the lawsof the Republic of Ireland.

HELPLINE SERVICESDAS are available to answer your call24 hours a day, seven days a weekduring the period of insurance or asset out below. However, if you calloutside of standard office hours, DASwill take details of your call andarrange for someone to call you backat a time convenient to you. Allhelplines apply to the Republic ofIreland unless otherwise stated.

To help check and improve theirservice standards and for training,verification and quality purposes, DASrecord all calls, except those to thecounselling service.

When phoning, please tell DAS yourAIG Home Cover policy number.Please do not phone DAS to report ageneral insurance claim.


Legal Advice Service:

1850 670 747

DAS will give an insured personconfidential legal advice over thephone on any personal legal problem,under the laws of the Republic ofIreland, United Kingdom, ChannelIslands and Isle of Man.

Opening Hours: 24/7

Identity Theft Service:

1890 252 922

DAS will provide an insured personwho is resident in the Republic ofIreland with detailed guidance andadvice over the phone in relation to orrelating to concerns about identitytheft.

The helpline is open 9am to 5pm,Monday to Friday.

N.B DAS do not provide a call backservice for this helpline if you calloutside of the operating hours.

Health & Medical Information:

1890 254 164

DAS will give an insured personinformation over the phone ongeneral health issues, and non-diagnostic advice on medical matters.Advice can be given on allergies, theside-effects of drugs and how toimprove overall health.

Between the hours of 7pm and 9amDAS will take a message and one oftheir health and medical advisors willcontact the insured person the nextday or at an agreed time.

Counselling Service:

1850 670 407

DAS will provide an insured personwith a confidential counselling serviceover the phone including, whereappropriate, onward referral torelevant voluntary or professionalservices. Any costs arising from the useof these referral services will not bepaid by DAS.

DAS will not accept responsibility if theHelpline Services are unavailable forreasons DAS cannot control.


Your Home Cover Policy Definitions

Accidental Damage Unexpected and unintended damagecaused by something sudden andexternal.

Buildings The Buildings are made up of twoparts, namely:

1. The Private House (whichincludes garages with direct accessfrom the Private House) includingfixtures and fittings therein andthereon, occupied for residentialpurposes only, built with brick,stone or concrete and roofedsubstantially with slates, tiles, orother incombustible materials;

and

2. Domestic outbuildings, detachedgarages, swimming pools, tenniscourts, including fixtures andfittings therein and thereon, fuelstorage tanks and their contents,

terraces, patios, driveways,footpaths, walls, gates and fences,lawns, hedges;

all situate as stated on Your HomeInsurance Schedule on a site notexceeding two acres in area.

Computer Virus A corrupting instruction from anunauthorised source that introducesitself through a computer system ornetwork.

Contents Household goods, including fittingsand fixtures, and Personal Effectsbelonging to You (or for which You arelegally responsible) or belonging tomembers of Your Household andDomestic Employees permanentlyresiding with You, all in the PrivateHouse and domestic outbuildings.

Overall limit for Contents of lockeddomestic outbuildings (other than

The following words shallhave the same meaningwherever they appear in thisHome Cover Policy wording.


Contents of secured garages built ofstandard construction) is €3,000 inany one Period of Insurance.

Money is included up to a maximumof €500.

Any one High Value Item is covered fornot more than €3,000 or 5% of theContents Sum Insured (whichever isgreatest). The total of these items iscovered for not more than 33% of theContents Sum Insured, unless detailshave been advised to Us and are listedon Your Home Insurance Schedule.

Your Contents Sum Insured includesan amount of €3,000 in any Period ofInsurance in respect of Home OfficeEquipment, excluding: ■ Property otherwise insured;■ Motor vehicles, (other than

mechanically propelledlawnmowers), water craft (other thancanoes, rubber dinghies, sailboards, surf boards), caravans,trailers and aircraft or parts, keys oraccessories of, on or in any of them;

■ Animals and livestock; ■ Deeds, bonds, securities for money,

manuscripts, certificates, bills ofexchange, promissory notes anddocuments of every kind unlessspecifically mentioned.

Credit Cards Charge, cheque, credit, debit andcash cards, but not cards held forbusiness purposes.

Domestic Employee Any employee engaged by Youcarrying on solely private domesticduties in connection with the Buildings(including repair, maintenance ordecoration but excluding workinvolving structural alterations,demolition, construction or farming).Independent contractors and/orconsultants and/or their employeesare also excluded.

Endorsement Any alteration to this policy wording.

Family The person You are married to or livewith as if You were married, Yourchildren, foster children and any otherperson who permanently lives withYou, but not lodgers or any otherPaying Guests.

Fungi Any type or form of fungus, includingbut not limited to, all forms of mouldor mildew and any mycotoxins, spores,scents, vapors, gas or substanceincluding any by-products produced orreleased by fungi.

High Value Items Jewellery, precious stones, articlesmade from gold, silver and otherprecious metals, clocks, watches, furs,photographic equipment, binoculars,telescopes, musical instruments,collectors’ items, pictures and other


works of art, rare and unusual figurinesand ornaments, guns, collections ofstamps, coins or medals, cameras,video, audio or home computerequipment. We treat pairs or sets ofitems as one item.

Home Insurance ScheduleSets out details of the insurance coverYou have purchased.

Household You and others permanently residingwith You in the Private House otherthan Paying Guests.

Home Office Equipment Computers, keyboards, visual displayunits, printers, word-processingequipment, desktop publishing units,fax machines, photocopiers, typewriters,computer-aided design equipment,telecommunication equipment (but notmobile phones) and office furniture,which You or Your family own.

Incident Any event that might lead to a claim.

Money Cash, cheques, postal and moneyorders, savings stamps andcertificates, unused current postagestamps, premium bonds, traveller’scheques, travel tickets, gift tokens, butnot items used for business purposesor forming part of a collection.

Occurrence A loss or incident arising during thePeriod of Insurance.

Paying Guests Guests paying for short termaccommodation and/or tenants, co-tenants, lodgers, residing with You.

Period of Insurance The period shown on Your HomeInsurance Schedule and anysubsequent period for which Weaccept a renewal premium.

Personal Effects Items normally worn, used or carriedby You or Your family in daily life, butnot money, credit cards or items heldor used for business purposes.

Policy Excess The amount shown on Your HomeInsurance Schedule, of any loss Youmust pay Yourself, unless otherwiseindicated within this policy wording.

Specified ItemsItems that have been individuallyidentified to Us and are shown onYour Home Insurance Schedule.

Statement of Facts Proposal FormYour Statement of Facts Proposal Formis a precise record of the informationYou provided to Us when arrangingthis contract of insurance. The


information contained in YourStatement of Facts Proposal Form shallbe incorporated into the contractbetween You and the insurer, AIGEurope Limited. Your Statement ofFacts Proposal Form shall be read inconjunction with Your Home InsuranceSchedule and this policy wording.

Sum InsuredThe most We will pay for claimsresulting from an event insured.

Territorial LimitsTerritorial Limits are defined as: TheRepublic of Ireland, Northern Ireland,Great Britain, the Channel Islands andthe Isle of Man.

Total Loss Claim A claim which results in either YourBuildings and/or Contents beingcompletely destroyed.

Unfurnished Not adequately furnished or equippedfor normal living purposes. In the caseof a newly constructed or renovatedhouse, it will be deemed Unfurnishedif either the water or electricity servicehas not been connected.

UnoccupiedNot stayed in overnight by a memberof Your Household or any otherperson authorised by You.

We, Our, Us AIG Europe Limited, 30 North Wall Quay,International Financial ServicesCentre, Dublin 1, D01 R8H7.

You, Your The person or people shown on YourHome Insurance Schedule as ‘theinsured’.

All other definitions as detailed inthe Policy.


We will cover You by payment (which may be in staged payments) or, at Ouroption, by reinstatement, replacement or repair, for loss or damage by any ofthe events insured listed in paragraphs numbered 1 to 12, to the Buildings,subject to the terms, limitations, exceptions and exclusions set out in this policy.

In the event of a loss in respect of Buildings, our maximum liability is limited tothe Sums Insured stated on Your Home Insurance Schedule or endorsedthereon, less the amount of the excess stated on Your Home Insurance Schedulein respect of each loss, except where indicated within this policy wording.

Section 1 – Your Buildings Cover

WHAT YOUR POLICY COVERS(EVENTS INSURED) - LOSS,DESTRUCTION AND/ORDAMAGE CAUSED BY:

YOUR POLICY DOES NOTCOVER THE EXCESS AMOUNT(S)STATED ON YOUR HOMEINSURANCE SCHEDULE ORLOSS OR DAMAGE:

1. Fire, Explosion, Lightning,Earthquake and Thunderbolt

2. Smoke Meaning direct damage from smokeincluding the sudden and unusualoperation of any domestic heater ordomestic cooking appliance locatedwithin the Buildings.

3. Storm or Flood

■ To properties built prior to 1920unless rewired in the last 20 yearsby a certified electrician.

■ To properties built prior to 1920unless rewired in the last 20 yearsby a certified electrician;

■ By smoke from fireplaces; ■ By smog or from agricultural or

industrial operations.

■ To fences and gates, lawns,hedges, trees, shrubs and plants,except as a direct result ofdamage to the Private House bystorm or flood;

■ By frost;■ To roofs constructed with torch-on

felt exceeding 10 years of age;■ To properties that have incurred

flood damage in the past 10 years;


4. Freezing, Escape or Overflow ofWater from within any Plumbingor Heating system, Fixed WaterApparatus or Fixed DomesticAppliance.

Trace and Access We will pay up to a maximum of €750to remove or replace any part of theBuildings necessary to repair any fixeddomestic water, gas or heatinginstallation from which water hasescaped.

■ To properties where incorrectinformation has been given inrelation to flood history.

■ To properties built prior to 1920unless replumbed in the last 20years by a certified plumber;

■ While the Private House isUnfurnished;

■ Where the Private House has beenUnoccupied for more than 35consecutive days immediately priorto the loss or damage;

■ To any plumbing or heatingsystem, fixed water apparatus orfixed domestic appliance fromwhich the water escapes;

■ To any fixed water or heatinginstallation due to wear and tear,rust or gradual deterioration;

■ Resulting from escape or overflowwater from gutters;

■ Caused by the gradual ingress ofwater from shower units and baths;

■ Should You retain any experts orcontractors other than thosecarrying out emergency workswithout Our express consent. Theengagement of these experts orcontractors will at all times besubject to Our approval, and Wereserve the right to select expertsfrom Our own panel.

Increased Policy Excess:For this event insured, the standardpolicy excess amount is increasedto €1,000 for each and every lossincident.




5. Escape or Overflow ofOil from within anyPlumbing or HeatingSystem or FixedDomestic Appliance

Trace and Access We will pay up to amaximum of €750 toremove or replace any partof the Buildings necessary torepair any fixed domesticwater or heating installationfrom which oil has escaped.

6. Stealing (or AttemptedStealing)

■ While the Private House is Unfurnished;■ Where the Private House has been

Unoccupied for more than 35 consecutivedays immediately prior to the loss ordamage;

■ To any plumbing or heating system, fixedwater apparatus or fixed domestic appliancefrom which the oil escapes;

■ To any fixed water or heating installation dueto wear and tear, rust or gradualdeterioration;

■ Should You retain any experts or contractorsother than those carrying out emergencyworks without Our express consent. Theengagement of these experts or contractorswill at all times be subject to Our approval,and We reserve the right to select expertsfrom Our own panel.

■ While the Private House is Unfurnished;■ Where the Private House has been

Unoccupied for more than 35 consecutivedays immediately prior to the loss ordamage;

■ When any part of the Private House is lent,let, sub-let or accommodating paying guestsunless involving entry or exit by forcible orviolent means;

■ Where incorrect alarm and securityinformation has been provided.

Increased Policy Excess (Where H2- Burglar Alarm Clause applies):If at the time of a stealing (or attemptedstealing) loss your burglar alarm is notswitched on and in service the standardpolicy excess is increased to €1,000 for each and every loss incident.

WHAT YOUR POLICYCOVERS (EVENTSINSURED) - LOSS,DESTRUCTION AND/ORDAMAGE CAUSED BY:


YOUR POLICY DOES NOT COVERTHE EXCESS AMOUNT(S) STATEDON YOUR HOME INSURANCESCHEDULE OR LOSS OR DAMAGE:

7. Impact by Aircraft, AerialDevices or Articles Droppedfrom them, Rail Vehicles, Road Vehicles or Animals

8. Falling Trees and Branchesand/or ExternalTelevision/Radio Aerials,Masts and Satellite Dishes

9. Riot, Civil Commotion,Strikers, Locked-OutWorkers or Persons TakingPart in Labour Disturbances

10. Malicious Damage andVandalism

11. Subsidence or Heave of theSite on Which the Private House Stands or Landslip

■ To Buildings caused by animals ownedby You or a member of Your Household

■ Caused by felling of trees or lopping ofbranches;

■ To hedges and fences; ■ Arising from the cost of removing fallen

trees unless they have otherwiseresulted in a valid claim under thepolicy.

■ To boundary walls, hedges, tenniscourts, gates, fences, terraces, patios,drive ways, footpaths, swimming pools,lawns, trees, shrubs and plants.

(Other than by malicious fire andexplosion):■ By any person lawfully on the premises

or any person invited onto the premisesby You or a member of YourHousehold;

■ While the Private House is Unfurnished; ■ Where the Private House has been

Unoccupied for more than 35consecutive days immediately prior tothe loss or damage;

■ To boundary walls, hedges, tenniscourts, gates, fences, terraces, patios,driveways, footpaths, swimming pools,lawns, trees, shrubs and plants.

■ To properties that have incurredsubsidence damage in the past;

■ To properties where incorrectinformation has been given in relationto subsidence history;




■ Resulting from demolition, structuralalteration or structural repair;

■ Resulting from faulty workmanship,defective design, the use of defectivematerials, settlement of newly madeup ground and coastal, lake or rivererosion;

■ To boundary walls, gates, fences,terraces, patios, driveways,footpaths, swimming pools andtennis courts unless the PrivateHouse is damaged at the same timeby this cause;

■ Resulting from the bedding down ofany structure;

■ To solid floor slabs or loss ordamage resulting from themovement thereof unless thefoundations beneath the externalwalls of the Private House aredamaged by the same cause and atthe same time;

■ Resulting from tunnelling work; ■ Should You retain any experts or

contractors other than those carryingout emergency works without Ourexpress consent. The engagement ofthese experts or contractors will atall times be subject to Our approval,and We reserve the right to selectexperts from Our own panel.

Increased Policy Excess:For this event insured, the standardpolicy excess amount is €1,000 foreach and every loss incident.




12. Accidental Damage (but only ifindicated as covered on theSchedule)

■ To the Buildings other than to thePrivate House;

■ To any part of the Private Housewhich is loaned, let, sub-let, oraccommodating paying guests;

■ By settlement and shrinkage;■ Caused by animals owned or in

the care custody or control of Youor members of Your Household;

■ Caused by scratching, abrading ordenting;

■ Caused by faulty workmanship,defective design, the use ofdefective materials or loss ordamage resulting from them;

■ To pottery, porcelain, terracotta,glass or other brittle articles, whilebeing handled or actively used;

■ To photographic, television, radioor other receiving, recording orreproducing equipment as a resultof the fitting, repairing, adjusting,or dismantling of any part of suchapparatus, or to lamps, tubes, orelectronic components in suchapparatus;

■ To records, audio, video orcomputer discs, tapes or cassettes;

■ As a result of tree root action; which comes within the terms ofany exclusion or limitation set outin this policy wording including,but not limited to, paragraphs 1 to11 of this section.




Alternative Accommodation We will pay for: 1. Reasonable additional expenses

necessarily incurred by You, withOur consent, for alternativecomparable accommodation forYou and members of YourHousehold;

2. Loss of rent due to You;3. Up to two years ground rent if You

are liable;4. Rent which continues to be

payable by You;

as a result of the Buildings beingrendered uninhabitable followingdamage by an insured cause.

The expense is limited to the periodnecessary for reinstatement and thetotal amount payable is limited to15% of the Buildings Sum Insured.

Debris Removal Costs We will pay for the cost of debrisremoval, demolition and/or shoringup costs necessarily incurred withOur consent following loss ordamage to the Buildings by aninsured cause.

Architects/Surveyors Fees Architects/surveyors and legal feesnecessarily and reasonably incurred,with Our consent in the reinstatementof the Buildings following loss ordamage to the Buildings by an

insured cause but excluding feesincurred in the preparation orpresentation of any claim. In additionWe are not liable for the fees of anypublic loss assessors You may decideto engage.

Reinstatement of Sum Insured After Loss The Sums Insured will not be reducedby the amount of any loss.

Public Authorities RequirementsCosts We will pay the cost of complyingwith any government, local authority,building or other regulation to theextent that these apply to parts of theBuildings damaged by an insuredcause (but not where notice has beenserved on You prior to theoccurrence of the loss or damage or where We were not advised thatthe property to be insured is a listed property or a protectedstructure).

Purchaser’s Interest If You have contracted to sell theBuildings, the contracting purchaserwill have, at Your request, the benefitof this Section up to the date ofcompletion of the sale. This extensiononly applies if the Buildings is nototherwise insured and shall notprejudice Your or Our rights.

Your Buildings Cover Also Includes


Service Pipes and Cables We will cover You for accidentaldamage to service pipes and cablesfor which You are legally responsible.The total amount payable is limitedto 5% of the Buildings Sum Insured,however We will not cover damageas a result of root tree action.


If Home Plus is Shown on Your Home Insurance Schedulethe Following Covers are Included

Breakage of Glass and SanitaryFittings Accidental breakage of: 1. Fixed glass in doors, windows,

skylights, fanlights and verandas; 2. Fixed wash-hand basins, fixed

baths, cisterns, fixed sanitary fittingsand fixed shower units, fixed glassin furniture, hobs and mirrors.

Clean Up ExpensesVouched expenses incurred to clean up (but not to landscape), followingescape of oil from any fixed domesticsystem or appliance will be paid,subject to a maximum amount of€1,500 and provided no payment ismade under Contents cover on this orany other insurance policy.

Door Locks Replacement We will pay the cost of replacingexternal door locks and keys of YourBuildings, specified on Your HomeInsurance Schedule, where the keys ofsuch locks have been stolen followinga break-in at the Private House orfollowing an assault on You or amember of Your Household for whichYou are insured. The maximum amount payable will be€750.No policy excess applies to this coverbenefit.

■ While the Private House is Unfurnishedor where the Private House has beenUnoccupied for more than 35consecutive days immediately prior tothe loss or damage;

■ To swimming pools, green houses or glasshouses any amount in excess of €1,000 in respect ofgreenhouses or glass houses.

■ While the Private House isUnfurnished or where the PrivateHouse has been Unoccupied formore than 35 consecutive daysimmediately prior to the loss ordamage.

WHAT YOUR POLICY ALSOCOVERS(EVENTS INSURED):



Fire Brigade ChargesWe will pay the cost of the chargesmade on You by a local authority (aspermitted by legislation) for FireBrigade attendance, as a result of anyincident which is insured by Yourpolicy. The maximum amount payablewill be €1,500.No policy excess applies to this coverbenefit.

Satellite Dishes, Television/RadioAerials and Masts We will cover You for loss or damageto external satellite dishes,television/radio aerials and masts notexceeding 30 feet in height but subjectto a maximum amount of €1,500 anyone loss.

Title DeedsThe cost of preparing new title deedsto the Buildings if they are lost ordamaged while in the Private House orin Your bank for safe-keeping. The maximum amount payable is€750.No policy excess applies to this coverbenefit.

WHAT YOUR POLICY ALSOCOVERS(EVENTS INSURED):



Adaptation of Home Following DisabilityWe will pay the cost of adapting the Buildings for wheelchair access in theevent that a member of the Household suffers disablement as a result of anaccident occurring during the Period of Insurance, which requires them to usea wheelchair for mobility which will in all probability continue for theremainder of their natural life. The maximum amount payable is €10,000.No policy excess applies to this cover benefit.

Damage to Headstones We will pay the cost of repairing and/or replacing headstones on the gravesof Your parent, spouse or child following damage as a result of fire, lightning,storm, flood, malicious damage and/or stealing. The maximum amount payable is €1,000. No policy excess applies to this cover benefit.

Landscaping CoverVouched expenses incurred to landscape Your garden following damage as aresult of storm or flood will be paid, subject to a maximum amount of €1,000provided the Private House is damaged at the same time by this storm orflood.

If Home Premium is Shown on Your Home InsuranceSchedule the Following Covers are Included

The following additional covers and benefits only apply if Home CoverPremium is shown as operative on Your Home Insurance Schedule and Youhave also selected Buildings cover.

These covers and benefits are in addition to those provided under HomeCover Plus.

Increased BenefitsWhen You purchase Home Cover Premium, the increased benefits outlinedbelow apply:

Description of CoverHome Cover

PlusBenefits

Home CoverPremiumBenefits

Door locks replacement €750 €1,000

Fire Brigade charges €1,500 €2,000

Satellite dishes, TV/radioaerials and masts

€1,500 €2,000

Vouched clean up expensesfollowing escape of oil

€1,500 €2,000


Your Buildings Cover also includes Your Legal Liability to Others as Owner of the Buildings

We will cover You against all sums whichYou shall become legally liable to pay as owner of the Buildings foraccidents happening in or about theBuildings which result in: 1. Death, bodily injury or illness to any

person other than:(i) Members of Your Household; (ii) Employees of You or of members

of Your Household;(iii) Paying Guests unless the use has

been declared and the premiumpaid.

2. Accidental damage to property otherthan property belonging to or under thecontrol of: (i) You;(ii) Members of Your Household;(iii) Employees of You or of members

of Your Household;(iv) Paying Guests unless the use has

been declared and the premiumpaid.

The amount payable in respect of any oneevent or series of events constituting oneoccurrence will not exceed €3,000,000inclusive of all legal fees and otherexpenses.

In the event of Your death We will, inrespect of liability incurred by You, cover Your personal representatives in theterms of and subject to the limitations setout, provided that such personalrepresentatives will, as though they werethe Insured, observe, fulfil and be subjectto the terms, exceptions and conditions ofthe Policy insofar as they can apply.

■ The ownership or use of any land orbuilding other than the Buildingsspecified on Your Home InsuranceSchedule;

■ The occupation of any land orbuilding;

■ The exercise of any profession, trade or business other than theprovision of:

● A child minding facility at theBuildings for not more than 2children;

● Accommodation for Paying Guestsas detailed and subject to the limitset out within this policy wordingor any amending Endorsement; (Ifthe cover has been requested andpremium paid)

■ Any wilful or malicious act; ■ Work of a construction or

reconstruction nature or structuralalterations or demolition;

■ The transmission of anycommunicable disease;

■ Any contract imposed on You, forwhich liability You would nototherwise have been under;

WHAT YOUR POLICY COVERS(EVENTS INSURED):

YOUR POLICY DOES NOTCOVER LIABILITY IN RESPECT OF:


We will cover You by payment (which may be in staged payments) or, at ouroption, by reinstatement, replacement or repair, for loss or damage by any ofthe events insured listed in paragraphs numbered 1 to 12, to the Contents,subject to the terms, limitations, exceptions and exclusions set out in thispolicy wording.

In the event of a loss in respect of Contents, our maximum liability is limitedto the Sums Insured stated on Your Home Insurance Schedule or endorsedthereon, less the amount of the excess stated on Your Home InsuranceSchedule in respect of each loss, except where indicated within this policywording.

Section 2 – Your Contents Cover



1. Fire, Explosion, Lightning,Earthquake and Thunderbolt

2. Smoke Meaning direct damage from smokeincluding the sudden and unusualoperation of any domestic heater ordomestic cooking appliance locatedwithin the Buildings.

3. Storm or Flood

■ To properties built prior to 1920unless rewired in the last 20 yearsby a certified electrician.

■ By smoke from fireplaces;■ By smog or from agricultural or

industrial operations; ■ To properties built prior to 1920

unless rewired in the last 20 yearsby a certified electrician.

■ By frost;■ To properties that have incurred

flood damage in the past 10 years;■ To properties where incorrect

information has been given inrelation to flood history.


4. Freezing, Escape or Overflow ofWater from within any Plumbingor Heating System, Fixed WaterApparatus or Fixed DomesticAppliance.

Trace and Access We will pay up to a maximum of €750to remove or replace any part of theBuildings necessary to repair any fixeddomestic water, gas or heatinginstallation from which water hasescaped but only if no payment hasbeen made under the Buildings coverof this or any other policy.

5. Escape or Overflow of Oil fromwithin any Plumbing or HeatingSystem or Fixed DomesticAppliance.

Trace and Access We will pay up to a maximum of €750to remove or replace any part of theBuildings necessary to repair any fixeddomestic water or heating installationfrom which oil has escaped but only ifno payment has been made under theBuildings cover of this or any otherpolicy.

6. Stealing (or Attempted Stealing)

■ While the Private House isUnfurnished,


■ Resulting from escape or overflowwater from gutters;

■ Caused by the gradual ingress ofwater from shower units and baths;

■ To properties built prior to 1920unless re-plumbed in the last 20years by a certified plumber.

Increased Policy Excess:For this event insured, the standardpolicy excess amount is increased to€1,000 for each and every loss incident.

■ To properties built prior to 1920unless re-plumbed in the last 20years by a certified plumber;


■ Where the Private House has beenUnoccupied for more than 35consecutive days immediately priorto the loss or damage.






7. Impact by Aircraft, AerialDevices or Articles Droppedfrom them, Rail Vehicles,Road Vehicles or Animals

8. Falling Trees and Branchesand/or ExternalTelevision/Radio Aerials,Masts and Satellite Dishes

9. Riot, Civil Commotion,Strikers, Locked-OutWorkers or Persons TakingPart in Labour Disturbances

10. Malicious Damage andVandalism

■ When any part of the Private House is lent, let, sub-let oraccommodating Paying Guests unlessinvolving entry or exit by forcible or violentmeans;

■ Where incorrect alarm and securityinformation has been provided.

Increased Policy Excess (Where H2- Burglar Alarm Clause applies):If at the time of a stealing (or attemptedstealing) loss your burglar alarm is notswitched on and in service the standardpolicy excess is increased to €1,000 for each and every loss incident.

■ To Contents caused by animals owned byYou or a member of Your Household.

■ Caused by felling of trees or lopping of branches;

■ Arising from the cost of removing fallentrees unless they have otherwise resulted in a valid claim under the Policy.

(Other than by malicious fire and explosion):■ By any person lawfully on the premises or

any person invited onto the premises by You or a member ofYour Household;

■ While the Private House is Unfurnished; ■ Where the Private House has been

Unoccupied for more than 35 consecutivedays immediately prior to the loss ordamage.


YOUR POLICY DOES NOT COVERTHE EXCESS AMOUNT(S) STATEDON YOUR HOME INSURANCESCHEDULE OR LOSS OR DAMAGE:




11. Subsidence or Heave of the Siteon Which the Private House Stands or Landslip

12. Accidental Damage (but only if indicated as covered on YourSchedule)

■ To properties that have incurredsubsidence damage in the past;

■ To properties where incorrectinformation has been given inrelation to subsidence history;

■ To the Contents unless the PrivateHouse is damaged simultaneously.

■ To the contents other than thecontents of the Private House;

■ By settlement and shrinkage; ■ Caused by animals owned or in the

care, custody or control of You ormembers of Your Household;

■ Caused by scratching, abrading ordenting;

■ Caused by faulty workmanship,defective design, the use of defective materials or loss ordamage resulting from them;

■ To pottery, porcelain, terracotta,glass or other brittle articles, whilebeing handled or actively used;

■ To photographic, television, radio or other receiving, recording orreproducing equipment as a resultof the fitting, repairing, adjusting, or dismantling of any part of suchapparatus, or to lamps, tubes, orelectronic components in suchapparatus;

■ To records, audio, video orcomputer discs, tapes or cassettes;

■ As a result of tree root action; ■ Which comes within the terms of any

exclusion or limitation set out in thispolicy wording including, but not limited to, paragraphs 1 to 11 of this section.


Alternative Accommodation We will pay for:

1. Reasonable additional expensesnecessarily incurred by You, withOur consent, for alternativecomparable accommodation forYou and members of YourHousehold;

2. Loss of rent due to You; 3. Up to two years ground rent if You

are liable; 4. Rent which continues to be

payable by You;5. The reasonable cost of temporary

storage of Contents, as a result ofthe Buildings being rendereduninhabitable following damageby an insured cause.

The expense is limited to the periodnecessary for reinstatement and thetotal amount payable is limited to15% of the Contents Sums Insured.

Reinstatement of Sum Insured After Loss The Sums Insured will not be reducedby the amount of any loss.

Liability as a Tenant (if applicable) We will pay for all sums You becomelegally liable to pay as tenant, butnot as owner, of the buildingsfollowing loss or damage:

1. By any of the causes listed atparagraphs 1 to 11, andparagraph 12 if indicated ascovered in Your Schedule, of theBuildings section;

2. To fixed glass and sanitary ware;3. To service pipes and cables.

The maximum amount We will pay is20% of the Contents Sum Insured inany one Period of Insurance.

Your Contents Cover Also Includes


If Home Plus is Shown on Your Home Insurance Schedulethe Following Covers are Included

Audio and Audio Visual Equipment(applicable only if AccidentalDamage to Contents is notincluded)

We will pay the cost of replacing orrepairing Your television, video, stereoand hi-fi equipment and personalcomputers if they are accidentallydamaged whilst in the Private House.The maximum We will pay in any oneperiod of insurance is €1,500.

Breakage of Glass and SanitaryFittingsAccidental breakage of fixed glass infurniture, hobs and mirrors.

■ To records, audio, video orcomputer discs, compact discs,tapes or cassettes;

■ Caused by animals owned or inthe care custody or control of Youor members of Your Household;

■ To any equipment or item following breakdown, malfunctionor misuse;

■ To any item or equipment designed to be portable whilst it isbeing moved, carried ortransported;

■ While any item or equipment isbeing used professionally.

■ To any item broken or cracked atthe commencement of thisinsurance;

■ To swimming pools;■ To any part of the Private House

which is loaned, let, sub-let oraccommodating Paying Guests;



■ To hand mirrors.




ChristmasThe Contents Sum Insured isautomatically increased by 10%during the months of December andJanuary.

Compensation for Death of Insuredand/or Spouse We will pay €2,500 in the event ofYou or Your spouse’s death byaccident, as a result of: 1. Fire, explosion, lightning or assault

by thieves at the Buildings; 2. Travelling as a passenger by train,

bus, licensed taxi or hackney; 3. Assault in the street, where death

occurs within three calendar monthsof such assault.

Contents in the Open We will cover You, up to an amount of €750, for loss or damage by aninsured cause, other than AccidentalDamage (irrespective of whether cover is indicated on Your Schedule), to Contents in the open within theboundaries of Your Buildings.

Fraudulent Use of Credit/Debit/Charge/Cheque or Cash Cards We will cover You up to a maximum of€1,000 in any Period of Insurance, inrespect of all claims resulting from theloss of a credit/debit/charge/chequeand/or cash card belonging to You, orYour spouse and subsequent fraudulentuse by any unauthorised person. No policy excess applies to this coverbenefit.





■ To bicycles in the open.

■ Following non-compliance with theterms and conditions of the cardprovider regulations;

■ Where the loss of the card is notreported to the Gardai or Police and the card provider upondiscovering that it is missing;

■ Following unauthorised use by anymember of Your Household.


Freezer and Refrigerator ContentsWe will cover You up to a maximum of€1000 by payment or, at our option,by replacement for loss or damage tofood in Your deep freezer andrefrigerator caused by any of thefollowing events:1. Rise or fall in the temperature; 2. Contamination by refrigeration

fumes resulting from;(i) Accidental damage to the

appliance; (ii) Failure of the appliance due to

its own defect. No policy excess applies to this coverbenefit.

Household Removal Loss or damage to Contents whilst inthe course of removal by aprofessional furniture removalcontractor only, from the Buildings toYour new permanent residence inIreland.

Temporary Removal of PropertyLoss of or damage to Contents by aninsured cause while temporarilyremoved from Your Private House butremaining in the Republic of Ireland,Northern Ireland, Great Britain, theChannel Islands or the Isle of Man.

In the event of loss or damage theamount recoverable will be limited to10% of the Sum Insured on Contents.

■ Due to any deliberate act by You; ■ Due to any consequence of strikes,

labour or political disturbances.

■ To property while in storage awayfrom removal vehicle;

■ Recoverable from any other source; ■ To glassware, china, pottery,

porcelain, terracotta or other brittlearticles unless they have been packedfor removal by professional packers;

■ Caused by scratching, abrading ordenting.

■ By storm or flood to property intransit or in the open;

■ By Accidental Damage;■ To property otherwise insured;■ To property removed for sale or

exhibition or in storage facilities;■ For any amount in excess of

€1,500 in total, or in excess of€500 for any one item, in respectof property belonging to anymember of Your Household, whileliving away from home and/orattending college or university;




Title Deeds The cost of preparing new title deeds tothe Buildings if they are lost or damagedwhile in the Private House or in Your bank for safekeeping.The maximum amount payable is €750.No policy excess applies to this coverbenefit.

Visitors and Guests’ PropertyLoss of or damage to the property ofvisitors and guests other than PayingGuests by an insured cause is includedup to a limit of €1,000 of any one loss.No policy excess applies to this coverbenefit.

Wedding GiftsThe Contents Sum Insured isautomatically increased by 10% for aperiod of one month before and onemonth after the wedding day of You or amember of Your Household.

■ By stealing or any attempt thereatother than:● From any bank, safe deposit or

occupied house;● From any building where You or

any member of Your Household istemporarily staying and whichinvolves entry or exit by forcible orviolent means;

● Involving entry to or exit from abuilding by forcible and violentmeans;

● During removal to or from anybank or safe deposit while in thecustody of You or a member ofYour Household.






If Home Premium is Shown on Your Home InsuranceSchedule the Following Covers are Included

The following additional covers and benefits only apply if Home Cover Premiumis shown as operative on Your Home Insurance Schedule and You have alsoselected Contents cover.

These covers and benefits are in addition to those provided under Home Cover Plus.

Increased BenefitsWhen You purchase Home Cover Premium, the increased benefits outlinedbelow apply:

ShoppingWe will pay for loss or damage to foodand other goods while You, or a member of Your Household, aretransporting them from the shop wherebought to the Buildings specified onYour Home Insurance Schedule subjectto a maximum amount of €500 anyone loss. No policy excess applies to this coverbenefit.

■ By theft or attempted theft from anyunattended vehicle unless: ● All windows, including sunroof,

and doors are securely lockedand

● The property is completelyconcealed within a closedcompartment or locked boot.

■ To property otherwise insured.



Description of CoverHome Cover

PlusBenefits

Home CoverPremiumBenefits

Home Office Equipment €3,000 €6,000

Money €500 €2,000

Loss of oil €1,000 €2,000

Fraudulent use of credit/cheque etc cards

€1,000 €3,000

Visitors and guests’property

€1,000 €3,000


WHAT YOUR POLICY COVERS

(EVENTS INSURED):

Unspecified All Risks CoverThe following cover only applies if theHome Cover Premium is shown onYour Home Insurance Schedule andYou have also selected Contentscover.

The Cover - Unspecified All Risks -€3,000We will cover You by payment or, atour option, by reinstatement,replacement or repair, for loss or

damage caused to unspecified itemsas described in Section 3 All Riskssubject to a maximum of €3,000 inany one period of insurance.

■ This cover forms part of theContents section of Your policy andis in addition to any coverpurchased under Section 3 All Risks.

■ No sum insured will appear on YourHome Insurance Schedule for thiscover.

■ This cover is subject to all the termsconditions and exclusions of Section3 All Risks.

■ No Policy Excess applies to thisPremium Cover benefit.


Your Contents Cover includesLiability to Others

Liability to Domestic EmployeesWe will cover You against all sumswhich You shall become legally liableto pay as employer for death, bodilyinjury or illness to any DomesticEmployee while in Your employment inconnection with the Buildings.

The amount payable in respect of anyone event or series of eventsconstituting one occurrence shall notexceed €3,000,000 inclusive of alllegal fees and other expenses.

Liability to Others:We will cover You against all sumswhich You shall become legally liableto pay:

1. As occupier of the Buildings; 2. In a personal capacity within the

Republic of Ireland, NorthernIreland, Great Britain, Isle of Man,Channel Islands or elsewhere in theworld (with the exception ofcountries excluded under theSanctions Notice) in the course of avisit not lasting more than 60consecutive days;

(i) For death, bodily injury or illnessto any person other than:

■ Any action for damage brought ina court of law outside the Republicof Ireland;

■ Any agreement unless liabilitywould have otherwise applied;

■ Any wilful or malicious damage;■ Arising from work of a construction

or reconstruction nature orstructural alterations or demolitionor any operation incidental thereto;

■ Accidents to independentconsultants or contractors and/ortheir employees;

■ Death, bodily injury or illnesscaused to other members of YourHousehold.

■ The ownership, possession or use ofany mechanically or electricallypropelled vehicle (which includesmechanically propelledlawnmowers, mechanically orelectrically propelled children’s toysand mechanically or electricallypropelled quad bikes), horse-drawnvehicle, water craft, aircraft (otherthan model aircraft) or similarvehicles or craft. This exclusion doesnot apply to mechanically propelledlawnmowers being used at YourBuildings provided that thisextension shall not apply to orinclude any liability which iscompulsorily insurable under anyRoad Traffic Acts or amendingstatutes;




■ You; ■ Members of Your Household;

■ Employees of You or ofmembers of Your Household;

■ Paying Guests unless the usehas been declared and thepremium paid;

(ii) For accidental damage toproperty other than propertybelonging to or under the controlof:■ You; ■ Members of Your Household; ■ Employees of You or of

members of Your Household: ■ Paying Guests unless the use

has been declared and thepremium paid, caused by:

● You;● Members of Your

Household (other thanDomestic Employees);

● Domestic Employees in thecourse of their employmentin connection with theBuildings.

We will also cover, in like manner,members of Your Household.

The amount payable in respect of anyone event or series of eventsconstituting one occurrence will notexceed €3,000,000 inclusive of alllegal fees and other expenses.

In the event of Your death We will, in

■ The ownership, possession or useof any animal, but this exclusiondoes not apply to ponies or saddlehorses (unless used for racing orsteeple chasing), domestic catsand dogs (other than dangerousdogs, as specified in regulationsmade under the Control of DogsActs or amendments thereto, ifsuch ownership, possession or useis not in accordance with theprovisions of such regulations);

■ Ponies, saddle horses, domesticcats and dogs that have been thesubject of a liability claim in thepast;

■ The ownership of any land orbuilding;

■ The occupation of any land orbuilding other than:● The Buildings specified on Your

Home Insurance Schedule;● Temporary holiday

accommodation. ■ Any profession, trade or business

other than the provision of:● A child minding facility at the

Buildings for not more than 2children;

● If the cover has been requestedand the premium paid,accommodation for payingguests as detailed and subject tothe limit set out within this policyor any amending Endorsement;

■ Any wilful or malicious act;




respect of liability incurred by You,cover Your personal representatives inthe terms of and subject to thelimitations set out, provided that suchpersonal representatives will, asthough they were the Insured, observe,fulfil and be subject to the terms,exceptions and conditions of the policyinsofar as they can apply.

■ The ownership, possession, use ordischarge of any firearm other thanfirearms licensed for sportingactivities;

■ Any contract imposed on You, forwhich liability You would nototherwise have been under;

■ Dangerous implements (e.g.chainsaws, blowtorches, kangohammers, welding equipmentand/or any equipment necessitatingthe use of protective clothing) whichare being used other than at thebuildings as described on YourHome Insurance Schedule;

■ Arising from work of a constructionor reconstruction nature orstructural alterations or demolitionor any operation incidental thereto;

■ The transmission of anycommunicable disease by You orany member of Your household.




(for Personal Belongings and Jewellery)

This optional insurance cover only applies when All Risks Sum Insured isshown on Your Home Insurance Schedule.

A Policy Excess of €100 applies to this section of the policy in respect of eachand every loss or damage Incident.

Section 3 – Your OptionalAll Risks Cover

WHAT YOUR POLICY COVERSWE WILL COVER LOSS ORDAMAGE TO:

YOUR POLICY DOES NOTCOVER THE €100 EXCESSAMOUNT STATED ABOVE ORLOSS OR DAMAGE:

Item 1 - Unspecified Items

Description of items covered:

1. Personal Effects (excludinghearing aids, mobile phones,laptops, tablets and the like)

2. Jewellery, PhotographicEquipment (excludingcamcorders)

3. Clothing and Sports Equipment

up to a maximum Sum Insured peritem of €1,000.

Item 2 - Specified ItemsAny item specified on Your HomeInsurance Schedule up to amaximum of the Sum Insured shownagainst the item.

■ To any item (for Item 2) not clearlyidentifiable from the descriptionprovided on Your Home InsuranceSchedule;

■ To camping equipment, jet skis,documents of any kind andhousehold goods;

■ By stealing or attempted stealingfrom any unattended vehicleunless;● All windows, including sunroof,

and doors are securely locked; ● The property is completely

concealed within a closedcompartment or locked boot;

■ To sports equipment while in use; ■ To driver licenses, passports or

documents of any kind ■ To musical instruments or

photographic equipment used orheld for business or professionalpurposes;


The item must be clearly andaccurately described on Your HomeInsurance Schedule so as to be clearlyidentifiable for the purposes ofvalidating a claim. Failure to do so will result in themaximum Sum Insured per item fromthe Unspecified Items cover aboveapplying.Where an item forms part of a set, pairor suite, the per item limit applies tothe set, pair or suite and not just thedamaged item (e.g. golf clubs).

■ Caused by animals owned or inthe care, custody or control ofYou or members of YourHousehold;

■ To pottery, porcelain, terracotta,glass or other brittle items otherthan by fire and stealing.

Valuation Requirement for Specified Items Valued in Excess of €5,000 A valuation is required for all Specified Items valued in excess of €5,000.Failure to provide a valuation obtained prior to a loss may invalidate the coveror result in a claim being rejected.

Geographical LimitsThe cover provided by this section applies to insured property in the Republic ofIreland, Northern Ireland, Great Britain, the Channel Islands and the Isle ofMan, and for not more than 60 days in any one Period of Insurance whileelsewhere in the world.

WHAT YOUR POLICY COVERS:WE WILL COVER LOSS ORDAMAGE TO:

YOUR POLICY DOES NOTCOVER THE €100 EXCESSAMOUNT STATED ABOVE, ORLOSS OR DAMAGE:


This optional insurance cover only applies when a pedal cycle Sum Insured isshown on Your Home Insurance Schedule.

A policy excess of €75 applies to this section of the policy in respect of eachand every loss or damage Incident.

Section 4 – Your Optional Pedal Cycle Cover

WHAT YOUR POLICY COVERS(EVENTS INSURED):Pedal cycles including fittedaccessories against:

1. Loss or damage by theft or anyattempted theft;

2. Accidental damage while thesaid cycle(s) is used by You, orany member of Your Household.

Cover is limited to the TerritorialLimits or for the purpose of travelaway only, elsewhere in the world forup to 30 days in any one period ofinsurance.

The maximum We will pay for anyone pedal cycle is limited to the SumInsured stated on Your HomeInsurance Schedule.

YOUR POLICY DOES NOTCOVER THE €75 EXCESSAMOUNT STATED ABOVE ORLOSS OR DAMAGE:

■ Due to wear and tear, electrical ormechanical breakdown orderangement;

■ Arising from business use; ■ To tyres or lamps, or other

accessories unless the cycle(s)itself is damaged at the sametime;

■ To motor assisted cycles. ■ Due to stealing of the cycle(s) or

its parts unless the cycles(s) is in alocked building or has beenimmobilised by a security device;

■ Whilst the cycle is being used forracing, pacemaking, speed testingor for hire.


This optional insurance cover only applies when a caravan Sum Insured isshown on Your Home Insurance Schedule. The standard Policy Excess shown on Your Home Insurance Schedule appliesto this section of the policy in respect of each and every loss or damageIncident.

Important InformationThis Policy section covers caravans which are not greater than 15 years oldat inception, are not let for hire or reward or used as a permanent or long-term residence.

Section 5 – Your OptionalCaravan Cover


We will cover You by payment or, atour option, by replacement or repairfor accidentalloss or damage to;

1. The caravan specified on YourHome Insurance Schedule,including its accessories,furnishings and utensils;

2. Clothing and Personal Effects whilstin the caravan or whilst temporarily inthe towing vehicle in the course of ajourney.

In addition We will pay the reasonablecosts incurred to protect and remove

YOUR POLICY DOES NOTCOVER THE POLICY EXCESSAMOUNT STATED ON YOURHOME INSURANCE SCHEDULEOR LOSS OR DAMAGE:

■ To tyres; ■ If let for hire or reward or used as

a permanent residence; ■ By stealing or any attempt thereat:

● Of clothing or Personal Effectswhile the caravan is unattendedunless securely closed andlocked,

● Of the caravan specified unlesssecured against theft (closedand locked);

■ Caused by storm, unless securedat each corner by proprietaryanchor screws and wire hawsersexcept when kept at the Buildingsspecified on Your Home InsuranceSchedule;



the caravan to suitable repairers andto deliver it to Your Buildings followingrepair subject to a maximum amountpayable of €400 in respect of any oneloss.

Where Insured: ■ Anywhere in the Republic of Ireland,

Northern Ireland, Great Britain, Isleof Man, and the Channel Islands,including transit between ports.

■ While temporarily within thecontinent of Europe in the custodyand control of the Insured for notmore than 60 days in any onePeriod of Insurance.

YOUR POLICY DOES NOT COVERTHE POLICY EXCESS AMOUNTSTATED ON YOUR HOMEINSURANCE SCHEDULE OR LOSSOR DAMAGE:

■ Of Money, stamp collections anddocuments of any kind;

■ To High Value Items; ■ For the amount of the policy excess

stated on Your Home InsuranceSchedule in respect of each loss.

■ To caravans over 15 years old.


WHAT YOUR POLICY COVERS(EVENTS INSURED)

We will cover You against all sumswhich You become legally liable to payfor damages in respect of;

1. Death, bodily injury or illness to anyperson excluding Your employees ormembers of Your Household;

2. Accidental damage to propertyother than property belonging to orunder the control of You, membersof Your Household or employees ofYou or of members of YourHousehold, arising out of theownership or use of the caravanspecified on Your Home InsuranceSchedule.

We will also cover, in like manner,members of Your Household.

The amount payable in respect of anyone event or series of eventsconstituting one occurrence will notexceed €3,000,000 inclusive of alllegal fees and other expenses.

YOUR POLICY DOES NOT COVERLIABILITY IN RESPECT OF:

■ Caravans over 15 years old at thetime cover was arranged;

■ The caravan whilst it is:

● Attached to any vehicle; ● Let for hire or reward or used as

a permanent residence; ● Being used other than for

social, domestic and pleasurepurposes.

Liability to Others


When Buildings Claims Settled on a New for Old basisFor Buildings (Section 1)Any admitted claim (excluding claimsin respect of felt roofs) will be settledon a new for old basis (withoutdeduction for wear, tear ordepreciation), provided:

1. The Buildings have beenmaintained in good repair;

2. The Buildings Sum Insured amountat the time of a loss is not less thanthe full cost of rebuilding the entireBuildings as defined inclusive offees and removal of debris;

3. Repair or replacement is carriedout without undue delay.

Otherwise, claims will be settled withan appropriate deduction for wear,tear and depreciation.

When DeductionAdjustment Made for Wear,Tear and Depreciation

Claims in Respect of Felt RoofsCovered claims will be settled with anappropriate deduction for wear, tearand depreciation.

For Contents (Section 2)Provided that, at the time of a loss, theContents Sum Insured amount isadequate to replace all of theContents as new, any admitted claim(excluding claims for items listed asbelow) will be settled on a new for oldbasis, as follows:

1. Total loss or destruction will besettled without deduction for wear,tear or depreciation,

2. Partial loss will be settled bypayment of the cost of repair (ifrepairs can be made) and subjectto this cost not exceeding thereplacement value of the propertyas new.

Otherwise, claims will be settled withan appropriate deduction for wear,tear and depreciation.

All claims for: 1. Household linen, wearing apparel,

sporting equipment and bicycles; 2. Any of the following if they are over

3 years old: carpets, floor coveringand timber flooring; TV, audio,video, computer or recordingequipment and ancillary materialincluding CDs, tapes, records andsoftware;

will be settled with an appropriatededuction for wear, tear anddepreciation.

Our Limit of Liability – Buildingsand Contents Sum InsuredIn the event of a loss in respect ofBuildings or Contents our maximumliability is limited to the Sum Insuredamounts stated on Your HomeInsurance Schedule or endorsedhereon.

How Claims will Be Settled


Excess Amounts will be DeductedWe will deduct the amount of theexcess stated on Your Home InsuranceSchedule or elsewhere in this policywording in respect of each loss.

For All Risks Cover (Section 3) and for PedalCycles Cover (Section 4)

Provided the loss or damage iscovered by Your policy We will settleYour claim as follows subject to theSum Insured being adequate:

1. Where damage can beeconomically repaired, includingfor clothing, We will eitherauthorise or arrange for repair;

2. Where a damaged or lost item canbe replaced with an item of similarquality We will either authorise orarrange for replacement;

3. Where We are unable to either

repair or replace the item, We willmake a cash payment equal to anagreed replacement value;

4. Where We have offered eitherrepair or replacement but Youprefer a cash settlement, We willpay You an amount equal to thecost to Us had the item beenrepaired or replaced.

For Claims Relating to Items ofClothing:We may make a deduction for wear,tear and depreciation for clothing.

For Caravan Cover (Section 5) Our maximum liability for anyadmitted claim will not exceed themarket value of the property at thetime of its loss or damage, or the SumInsured specified on Your HomeInsurance Schedule (whichever is the lesser).


Home Claims NotificationTo notify Us of a claim please contactour Home Claims NotificationHelpline at 01 8599700. Our staffwill be glad to help You and adviseYou on how to proceed.

Where We need to discuss Your claimYou will be contacted as soon aspossible to make an appointment.

If You have any queries or if You needany advice in making Your claim justcontact Us and We will be happy tohelp You.

When necessary – in the case ofbroken windows or burst pipes forexample – You should haveemergency repairs carried outimmediately to prevent possible furtherdamage to Your property.

Emergency Home AssistHelpline We also provide an emergency 24-hour Home Assist emergencyhelpline which can provide You with aconnection to an approved network ofrepairers (plumbers, electricians,glaziers, locksmiths, roofers etc.) tohelp alleviate the effects of a loss asquickly as possible. This is particularlyuseful when damage is discoveredsuddenly, especially outside of normaloffice hours. The phone number for this service is1850 924 012.

The cost of this service must be borneby You. However, if the cost is coveredby this Home Cover Policy then Wewill reimburse You as part of the claimsettlement.

To Make a Home Insurance ClaimYou May Have to: 1. Complete and return a claim form; 2. Submit estimates with Your claim;3. Wait until the estimate has been

agreed by Us before You canproceed with repairs/redecoration;

4. Retain all damaged property forinspection by Us.

If Your Property is Stolen orDamaged MaliciouslyIf Your property has been stolen ormaliciously damaged, or if You lose avaluable item, You must inform theGardaí or Police as soon as possible.You will receive the Garda report formwith Your claim form which you willneed to have completed by theGardai to evidence that the matterwas reported.

If Someone Else is Injured or TheirProperty is Damaged You Must:1. Send written details to Us as soon

as possible. It is vital that We dealwith such claims on Your behalf.

2. Send to us any letters ordocuments You receiveunanswered and without delay.

What to Do if an Event Insured Occurs


Things You Must Not Do:1. Proceed with repairs (other than

emergency repairs necessary tolimit damage) or investigative workwithout Our prior approval;

2. Negotiate, admit or deny any claimwithout Our written consent, orallow any other person insuredunder this policy, or anyone elseacting on Your behalf to do so.

If an Event Insured Occurs We areEntitled to:1. Take over and conduct in Your

name, or in the name of any otherperson covered by this Policy, thedefence or settlement of any legalaction;

2. Take proceedings at Our ownexpense and for Our own benefit,but in Your name, or in the nameof any other person covered by thispolicy, to recover any payment Wehave made under this policy;

3. Receive all necessary assistancefrom You or any other personcovered by this policy;

4. Enter any Building where loss ordamage has occurred and dealwith any salvage in a reasonablemanner. However, no property maybe abandoned to Us.

Disagreement Over a Claim –ArbitrationAll differences arising out of this Policyshall be referred to the decision of anarbitrator to be appointed by the

parties or failing agreement by thePresident for the time being of theIncorporated Law Society of Ireland.Where any difference is referred toarbitration, the making of an awardshall be a condition precedent to anyright of action against the Company.Claims not referred to arbitrationwithin 12 calendar months from thedate of the disclaimer of the liabilityshall be deemed to have beenabandoned.

Important This condition does not affectYour right to refer any claim orquery to the office of theFinancial Services OmbudsmanBureau.

Matching Pairs or Sets We treat each separate item of amatching pair or set, or set offurniture, sanitary suite or fittings, softfurnishings or other fixtures andfittings, as a single item. We will onlypay for lost or damaged items. We willnot pay for the cost of replacing,recovering or remodelling undamagedpieces, or pieces which have not beenlost or damaged, just because it formspart of a set, suite or one of a numberof items similar in nature, colour ordesign. If an item in a set is lost ordamaged, the other pieces of the setmay lose some value, even if they


have not been physically damagedthemselves. This loss of value is not covered by thepolicy.

Matching Carpets If You have a matching carpet or otherfloor covering in more than one roomor area, We treat each room or areaas separate. We will only pay for thedamage to the carpet or floorcovering in the room or area wherethe damage happened.


Information You Need to beAware ofUnder Your AIG home insurance policy,it is possible to include the optionalextra product add on covers outlinedbelow.

If You have included optional extracovers when You purchased Your homeinsurance policy, Your Home InsuranceSchedule will state if the optional extracover applies and the extra premiumamount You have paid.

You may add or remove from Your homeinsurance policy any optional extra covers

when Your home insurance policy fallsdue for renewal. You may also delete anyoptional extra cover during a Period ofInsurance, however We do not refund anypremium amount of less than €20 formid-term policy adjustments (Please referto our Terms of Business document)www.aig.ie.

Option 1 - Family AccidentProtectionThis optional extra cover only applies ifPersonal Accident is shown on YourHome Insurance Schedule under theOptional Extras section, as operative.

Section 6 – Optional Extra CoversAvailable to You

DEFINITIONS APPLICABLE TO YOUR FAMILY ACCIDENT PROTECTION OPTIONAL EXTRA COVER

We use certain words in this section of the policy which have a specificmeaning. They have this meaning wherever they appear in this section.

Accident A sudden, unexpected and specific event, external to the body, which occurs atan identifiable time and place.

Bodily InjuryIdentifiable physical injury to an insured person’s body which is caused directlyand solely by an accident, is not intentionally self-inflicted and does not resultfrom sickness or disease.

Child or Children A person who is, or persons who are, under 18 years of age.

Hospital An institution which has accommodation for in-patients and facilities fordiagnosis, surgery and treatment. It does not include a long-term nursinghome, a rehabilitation centre, an old people’s or convalescence home or anextended-care facility.


Hospitalisation Admission to a hospital as an in-patient and for at least 24 hours in a row.

InsuredAny person who has purchased this Family Accident Protection Option 1 ExtraCover, when they purchased this home insurance policy.

Insured Person The person who has purchased this home insurance policy and chosen topurchase this Family Accident Protection Option 1 Extra Cover, their partnerand children.

Insured Premises The Buildings as defined within this home insurance policy wording.

LossPermanent, total and irrecoverable loss of use, or the permanent and total lossby physical severance (separation), of a limb being a complete:- foot or leg, or - hand or arm.

Loss of Sight Physical loss of one or both eyes or the loss of a substantial part of the sight ofone or both eyes. A substantial part means that the degree of sight remainingafter the accident is 3/60 or less on the Snellen scale after correction withspectacles or contact lenses. (At 3/60 on the Snellen scale a person can seeat 3 feet something that a person who has not suffered loss of sight should beable to see at 60 feet).

Medical Practitioner A doctor with current full registration whose name appears on the IrishMedical Council’s General Register of Medical Practitioners.

Partner A person who is either an insured person’s husband or wife, civil partner,fiancé or fiancée, boyfriend or girlfriend and who permanently lives at thesame address as the insured.

Permanent Total Disability Disability, other than by loss of limb or loss of sight, which totally andpermanently prevents an insured person from doing any paid work whatsoeverfor the remainder of their life.

Time of Cover Whilst an insured person is on the insured premises.


WHAT YOUR POLICY COVERS

If an insured person suffers bodilyinjury during the time of cover andperiod of insurance, which withintwo years solely and independentlyof any other cause results in death,loss of sight, loss of limbs,permanent total disability, orhospitalisation, We will pay thebenefits as outlined in the table ofbenefits below.

YOUR POLICY DOES NOT COVER

We will not pay benefits for bodilyinjury arising directly or indirectly from:■ War, a terrorist act, suicide or

attempted suicide;■ Attempting to commit an illegal act;■ A drug or drugs not taken in

accordance with the manufacturer’sinstructions or as prescribed by amedical practitioner;

■ A drug or drugs to control drugaddiction,

■ Assault by a family member or thepremises being Used as a place ofbusiness;

■ Anxiety, stress disorder, posttraumatic stress disorder,psychological or psychiatric illnessor condition or other mental ornervous disorder;

■ Back injuries unless supported by adiagnosis using appropriate medicalimaging techniques (such as X-rays,CT or MRI scans).

Benefit Description Benefit Amount

1. Death €25,000

2. Loss of sight in one or both eyes €25,000

3. Loss of one or more limbs €25,000

4. Loss of one limb and loss of sightin one eye

€25,000

5. Permanent total disability €25,000

6. Hospitalisation payable formaximum of 10 weeks.

€20 per day

Table of Benefits:


Start and Finish of CoverCover commences on the day thishome insurance policy is effective andexpires if the insured does not renewthis home insurance policy or gives aninstruction to Us to cancel thisoptional extra cover under this homeinsurance policy.

General Limitations, TermsAnd Conditions BenefitLimitationsIf an insured person is over 65 years ofage when they sustain a bodily injury,We will not pay the benefit under item 5of the table of benefits above.

If death occurs within 13 Weeks ofbodily injury, the benefit under item 1of the table of benefits above will bepaid and not the benefits under items2, 3, 4 or 5 provided death occurredas a result of bodily injury. If aninsured person is a child, We will onlypay €10,000 under item 1 of thetable of benefits above.

When more than one form of disabilityresults from bodily injury from thesame accident the maximum paymentwill be €25,000.

Upon the payment of a claim cover willstop for that insured person for whomsuch payment has been made.

Claim Procedure ApplicableTo This Optional Extra Cover 1(Family AccidentProtection Section)

We should be notified that a claim is tobe made as soon as reasonablypracticable after the bodily injury towhich the claim relates occurs. Theclaim may be rejected if it is made solong after the accident happens orbodily injury is sustained that We are unable to investigate the claim fully.

Family Accident ProtectionInsurance Claims are to beNotified to:Personal Accident Insurance ClaimsDepartment, AIG Europe Limited, 30 North Wall Quay, InternationalFinancial Services Centre, Dublin 1,D01 R8H7.Telephone: 1800 646 747 Email: [email protected]

What We Will Ask You To DoWe will ask the insured person tocomplete a claim form and to provideat their own expense all reasonableand necessary evidence required byUs to support a claim. If theinformation supplied is insufficient, Wewill identify the further informationwhich is required. An insured personmust undergo any medicalexaminations We specify, at ourexpense. An insured person must giveUs permission to obtain any medical


reports or records needed from anymedical practitioner who has treatedthe insured person; otherwise We maynot pay the claim.

What We May DoIn the event of death of an insuredperson, We have the right to ask for apost mortem examination at Ourexpense.

If an insured person dies, We will paythe benefits as outlined in the table ofbenefits to their legal representative. Ifthe insured person is a child, We willpay the benefit to the insured in theevent of death, as long as they are aparent of the child, otherwise We willpay the child’s parent or legalguardian.

Option 2 - DisasterMortgage/Cash Cover This optional extra cover only appliesif Disaster Mortgage/Cash is shownon Your Home Insurance Scheduleunder Optional Extras section, asoperative.

The standard policy excess applies.

This subsection is only applicable tothe primary residence and only ifBuildings cover on that primaryresidence is covered under this homeinsurance policy.

This coverage is in excess of any other

insurance in force.Definitions Applicable to thisOptional SectionMonthly Mortgage Amount meansthe amount normally payable monthlyto Your mortgage lender, includinginterest charge(s) and insurancecharges(s) scheduled to be paid byYou after the date of the loss. Themonthly mortgage amount does notinclude penalties or other charges notnormally included in Your monthlymortgage amount that are incurred byYou prior to the date of loss.

Permanently Uninhabitable meansYour premises, by reason of an eventinsured, is made unfit for use as aresidence and cannot be made fit foruse as a residence by corrective actiondue to:1. Condemnation of the land on

which Your property exists whichpermanently prohibits rebuilding orreconstruction. The land must becondemned by statutory orcommon law, ordinance, rule orregulation or judicial oradministrative order or decision; or

2. Movement of the land on whichYour property exists which makesthe land permanently unfit forrebuilding or reconstruction asdetermined by statutory or commonlaw, ordinance, rule or regulationor judicial or administrative orderor decision.


Temporarily Uninhabitable meansYour premises, by reason of aninsured peril, is made unfit for use as

a residence for a period in excess of72 consecutive hours, but can bemade fit for use as a residence bycorrective action.


YOUR POLICY DOES NOTCOVER:

1. We will pay You the sum equivalentto Your monthly mortgage paymentif a covered loss renders Yourprimary residence temporarilyuninhabitable for a periodexceeding 72 hours following theevent. We will make monthlypayments for up to a maximum of6 months until Your primaryresidence is made habitable againby repair, restoration orreconstruction. No payment will bemade until Your premises isuninhabitable and vacated for 72consecutive hours.

2. We will also pay, up to a maximumof €500 per claim, the excess onthis home insurance policy, listed onYour Home Insurance Schedule,when You receive payment for acovered loss if that covered lossrenders Your primary residenceuninhabitable for a periodexceeding 72 hours following theevent. This excess reimbursement islimited to no more than twice perpolicy period.

■ Any residence that is not Yourprimary residence and not occupiedby You;

■ The property if permanentlyuninhabitable, as defined above;

■ Loss or damage caused by anuninsured peril;

■ Any penalties or other charges notnormally included in Your monthlymortgage repayment that areincurred by You prior to the date ofloss;

■ Any amount exceeding €800 permonth or €4,800 any one period ofinsurance.


CONDITIONS APPLICABLE TO THIS SECTION

A. BASIS OF SETTLEMENT (How Claims Will Be Settled)For the first month of a covered loss, payment will be calculated at the rate of1/30th of the monthly mortgage amount for each day of the first month Yourpremises is uninhabitable. After the first month of a covered loss, payment willbe Your monthly mortgage amount for each month or portion of a month Yourpremises is uninhabitable.

If repair, reconstruction or restoration work starts within 60 days of the date ofa covered loss and continues on a regular basis, We will pay Your monthlymortgage amount scheduled for a period of time usually and customarilyrequired to complete the repair, reconstruction or restoration. Under nocircumstances will We pay more than 6 months of monthly mortgageamounts.

If repair reconstruction or restoration work on Your home is commenced within60 days after a loss, but the work is interrupted for a period of 30 days ormore, the payments provided by this policy will be suspended until the monthin which the work is resumed. A work interruption of six months or more willterminate this coverage, and no further monthly mortgage payment will bemade.

B. TERMINATION OF COVER (When Cover Benefit Ceases)Cover provided by this section will terminate on the earliest of the following:

1. Your mortgage loan is paid in full;2. You are no longer legally obligated to repay the loan;3. You no longer have ownership interest in the property which secures the

loan;4. Any premium due from You to Us remains unpaid for more than 31 days.


Basis of the Contract This home insurance contract is basedon Your Statement of Facts ProposalForm, this policy wording and YourHome Insurance Schedule. When Youarranged this insurance You gave Usinformation which is shown on YourStatement of Facts Proposal Form.

This home insurance contract willnot be valid if:

1. Any information You have givenUs is not true and correct; or

2. You do not keep to theconditions of the policy.

You cannot make a claim if this homeinsurance contract is not valid.

Cancelling Your Policy – What YouNeed To DoIf You need to cancel Your policycontact Us on 1890 27 27 27.

You have 14 days from the start dateof the policy to cancel the coverwithout penalty.

You will however be charged with apro rata premium for the period onrisk, during the cooling-off period.

We require Your cancellation requestto be in writing (by email/fax/letter)and such cancellation will take effectupon receipt of the writtencancellation request by Us.

Please refer to the Terms of Businessagreement. www.aig.ie

After the 14 day cooling-off periodYou can cancel this policy by giving Usnotice. Cancellation can take effectimmediately or from a later date,although it cannot be back dated toany earlier date.

Cancelling any direct debit instructionsdoes not mean You have cancelled thepolicy.

If no claims have been made duringthe period of insurance, We will refunda percentage of the premium inproportion to the period of insuranceleft unused. This is subject toadministration charges We may make,please refer to the Terms of Businessagreement www.aig.ie.

If We have paid a claim You must paythe full annual premium and You willnot be entitled to any refund.

We can cancel this policy by sendingYou 14 days’ notice by registered postto Your last known address. We willrefund a percentage of the premium inproportion to the period of insuranceleft unused. This is subject toadministration charges We may make;please refer to the Terms of Businessagreement.

Important Information –Policy Terms and Conditions


Changes in Risk or Circumstances– Your Duty to Disclose MaterialFactsYou must immediately write and tell Usabout any change that could affectthis insurance. If You do not tell Usabout any change to a material fact,this insurance will no longer be valid.

Material facts are facts that mightinfluence Our decision to insure You,the conditions of the insurance or thepremium We want to charge. If Youare not sure whether a fact is material,You should tell Us about it.

In Particular, You Must Tell Us: 1. If You change Your address;2. If You or Your family receive a

court judgement or conviction, orare prosecuted (except formotoring offences where a prisonsentence has not been served);

3. About any changes to YourBuildings that will increase therebuilding costs;

4. About any increase in the value ofYour Contents or PersonalBelongings;

5. If someone other than a memberof Your family comes to live withYou; and

6. If Your home will be Unoccupiedfor more than 35 days in a row.

Important 1. Please remember that if You do not

tell Us about changes, it may affect

any claim You make. 2. You may also encounter difficulty

purchasing insurance coverelsewhere.

3. Failure to have property insurancein place may also lead to a breachof the terms and conditionsattaching to any loan you mayhave, secured on that property.

How We Will Deal with FraudulentClaims We will not pay for any claim that is inany way fraudulent or exaggerated, ifYou or anyone acting for You usesfraud to get benefits under the policy.If You do, We will cancel the policyand We will not refund any premiums.

Maintenance and Security – WhatYou Need To Do You must keep the Buildings in goodrepair and take all reasonableprecautions to ensure the safety of theproperty insured and to preventaccidents. The external doors of thePrivate House must be securely lockedand the windows securely fastenedwhilst the Private House is leftUnoccupied.

Misdescription – Our Rights if Thereis Non-Disclosure of Material FactsThis policy will be voidable in theevent of misrepresentation,misdescription or non-disclosure ofany material facts i.e. those


circumstances which may influence Usin our acceptance or assessment ofthis home insurance.

If You are in any doubt as to whether afact is material or not please discloseit. This condition applies at inceptionof Your policy and at renewal eachyear.

Mortgagee Clause The interest of a mortgagee in thisinsurance shall not be prejudiced byany act or neglect of the mortgagor(or occupier of the Buildings) wherebythe risk of loss or damage is increasedwithout the authority or knowledge ofthe mortgagee, provided themortgagee shall, immediately onbecoming aware thereof, give noticein writing to Us and on demand, paysuch additional premium as We mayrequire.

No Claims Discount Your policy may be subject to a noclaims discount. If this is the case itwill be included in the premiumbreakdown section of Your HomeInsurance Schedule. In the event of aclaim during the Period of Insurance,Your no claims discount will bewithdrawn at the subsequent renewal.

Other Insurances If at the time of any incident, whichresults in a claim under this policy,

there is any other insurance policycovering the same liability, loss ordamage, We will pay only Ourrateable share.

Your Duty of CareYou must take reasonable care to:

1. Keep Your home in a good state ofrepair; and

2. Avoid or limit any loss, damage orinjury.


War and Terrorism Notwithstanding any provision to thecontrary within this insurance or anyendorsement thereto, We shall not beliable in respect of liability, loss,damage, cost or expense ofwhatsoever nature directly or indirectlycaused by, resulting from or inconnection with any of the followingregardless of any other cause or eventcontributing concurrently or in anyother sequence to the loss:

1. War, invasion, acts of foreignenemies, hostilities or warlikeoperations (whether war bedeclared or not), civil war, mutiny,civil commotion assuming theproportions of or amounting to apopular rising, military rising,insurrection, rebellion, revolution,military or usurped power, martiallaw, confiscation ornationalisation or requisition by orunder the order of anygovernment or public or localauthority

2. Any act of terrorism.

An act of terrorism means an act,including but not limited to the useof force or violence and/or thethreat thereof, of any person orgroup(s) of persons, whether actingalone or on behalf of or inconnection with any organisation(s)or government(s), committed forpolitical, religious, ideological or

other purposes, including theintention to influence anygovernment and/or to put thepublic, or any section of the public,in fear.

This Endorsement also excludesliability, loss, damage, cost or expenseof whatsoever nature directly orindirectly caused by, resulting from orin connection with any action taken incontrolling, preventing, suppressing orin any way relating to 1 and/or 2above.

If We allege that by reason of thisexclusion any liability, loss, damage,cost or expense is not covered by thisinsurance, the burden of proving thecontrary shall be upon You. In theevent any portion of this Endorsementis found to be invalid orunenforceable, the remainder shallremain in full force and effect.

Cyber Risk This policy does not apply to liability,loss, damage, cost or expense ofwhatsoever nature directly or indirectlycaused by, resulting from or inconnection with:

1. The loss of, alteration of ordamage to; or

2. A reduction in the functionality,availability or operation of acomputer system, hardware,

General Policy Exclusions(These apply to the whole policy)


programme, software, data,information repository, microchip,integrated circuit or similar devicein computer equipment or non-computer equipment that resultsfrom the malicious or negligenttransfer (electronic or otherwise) ofa computer programme thatcontains any malicious ordamaging code including but notlimited to computer virus, worm,logic bomb or Trojan horse.

We Shall Not be Liable for:

Radioactive Contamination 1. Loss or destruction of or damage

to any property whatsoever or anyloss or expense whatsoeverresulting or arising therefrom orany consequential loss or;

2. Any legal liability of whatsoevernature directly or indirectly causedby or contributed to by or arisingfrom:

(i) Ionising radiations orcontamination by radioactivityfrom any nuclear fuel or fromany nuclear waste from thecombustion of nuclear fuel;

(ii) The radioactive, toxic, explosiveor other hazardous properties ofany explosive nuclear assemblyor nuclear component thereof.

Sonic Boom Loss or damage caused by pressurewaves from aircraft and other aerialdevices travelling at sonic orsupersonic speeds.

Confiscation Loss of or damage due toconfiscation, requisition or destructionby order of any Government, or Publicor Local Authority.

Consequential Loss Consequential loss or damage of anykind except as set out in this policy.

Fees (incurred in the preparationof any claim)Fees incurred in the preparation of anyclaim including fees of Public LossAssessors and/or fees associated withthe preparation or presentation of anyclaim.

Fungi Any loss, damage or liability directly orindirectly caused by the presence,growth, proliferation, spread or anyactivity of fungi, wet or dry rot orbacteria. Whenever fungi, wet or dryrot or bacteria occur, they and anyresulting loss are always excludedunder this policy, howsoever caused.In addition, there is no cover to testfor, monitor, clean up, remove,remediate, contain, tread, de-toxify,neutralize, or in any way respond to or


access the effects of fungi, wet or dryrot, or bacteria.

Damage caused by Wear, Tear andas Undernoted: 1. Wear, tear, rust or corrosion;2. Gradual deterioration or any

gradually operating cause; 3. The cost of maintenance; 4. Mildew, rising damp, dry/wet rot,

moth, vermin, atmospheric orclimatic conditions;

5. Damage caused by any process ofcleaning, dyeing, repairing orrestoring any article;

6. Mechanical, electrical or electronicdefects, breakdown or malfunction.

Business, Trade or ProfessionalPurposes This policy does not provide cover forany property held in connection withany business, trade or professionalpurpose other than Home OfficeEquipment as referred to within thedefinition of Contents.


(Operative only if indicated on Your Home InsuranceSchedule)

Endorsements

H1 - Minimum Security Clause It is a condition of Your policy that:

1. All external doors are fitted withmortice deadlocks or deadlockingrim latches;

2. All French windows and/or patiodoors are fitted with appropriatesecurity locks necessitating keyrelease;

3. All ground floor and otheraccessible opening windows* arefitted with effective lockingmechanisms.

(*excluding windows of rooms thatare used as sleepingaccommodation).

H2 - Burglar Alarm Clause It is a condition of Your policy that aworking approved* burglar alarm isinstalled at the Buildings as describedon Your Statement of Fact ProposalForm. You have agreed to maintainthe burglar alarm as advised to Us, inaccordance with the supplier’srecommendations and to have thealarm switched on and in service whenfamily members are not in the PrivateHouse. Where You have informed Usthat Your burglar alarm is monitoredon a 24 hour basis, this monitoringmust also remain in place.

(*Since 1st August 2006, the PrivateSecurity Authority (PSA) has madethe licensing of intruder alarminstallers mandatory. Seewww.psa.gov.ie for further details).

H3 - Smoke Alarm Clause It is a condition of Your policy that twosmoke detectors/alarms are installedat the Buildings and that You agree tomaintain these in accordance with thesupplier’s recommendations, to havethem switched on and in service on allpractical occasions.

H4 - Voluntary Excess Any voluntary excess shown in YourHome Insurance Schedule is deemedto be in addition to the standard (orcompulsory) policy excess amount(s)also stated in Your Home InsuranceSchedule.

H5 - Paying Guests up to 6 Permission is given for not more than6 short term paying guests at any onetime to be kept in the Private House.

H6 - Home Shared With Room(s)Sublet Permission is given for Your PrivateHouse to be shared with no more thanthree rooms being sublet to not morethan six tenants, co-tenants or lodgersat any one time.


H7 - Home Office Equipment LimitIncreased to €6,000 The amount of €3,000, included withinthe contents definition in respect ofHome Office Equipment, is increased to€6,000.

H8 - Home Office Equipment LimitIncreased to €10,000 The amount of €3,000, includedwithin the Contents definition inrespect of Home Office Equipment, isincreased to €10,000.

H9 - Special Security Precautionsfor Jewellery It is a condition of Your policy that allitems of jewellery valued in excess of€10,000 are kept in a locked safe whennot being carried or worn on the person.

H10 - Single High Value Limit The high value limit of 5%, or €3,000whichever is higher, included withinthe Contents definition, is deleted foritems listed on Your Home InsuranceSchedule and is replaced by themonetary amount shown against eachitem.

H11 - Total High Value Limit The high value total of 33%, includedwithin the Contents definition, isdeleted and replaced by thepercentage amount shown on YourHome Insurance Schedule.

H12 - Buildings Used Partly forBusiness Purposes, Other than aHome Office The Buildings is partly occupied inconnection with Your business asdisclosed to Us - see Your HomeInsurance Schedule or the Buildings ispartly occupied in connection withYour business as disclosed to Us.Within that portion of the Buildings nocover is provided for Money or anyHigh Value Item and AccidentalDamage to Contents is not included.The insurance provided for stealing orattempted stealing of Contents, onlyapplies if accompanied by violent andforcible entry or exit and is subjectotherwise to the terms, limitations andexceptions otherwise specified in thispolicy. The exclusion regarding“profession, trade or business”referred to under Liability to Othersdoes not apply to Your business asdisclosed but, We will not insure Youfor any amount which You mightbecome legally liable to pay for death,injury, illness or loss or damage byremedial, professional or other adviceor treatment - other than medical firstaid treatment - given or administeredor omitted by You, or by any of Yourservants, employees or Agents.

H13 - Jewellery Settings It is a condition of All Risks cover thatthe settings of any item of jewelleryvalued in excess of €10,000 areevidenced in writing as checked by ajeweller at least once every two years.


H14 - Fire Cover Only Applies The insurance provided by this homeinsurance policy is limited to theevents insured: Fire, explosion,lightning, earthquake and thunderbolt.No other insurance cover is providedby this home insurance policy whilethis endorsement applies.

H15 - Mortgagees Clause The interest of the mortgagee shall notbe prejudiced by an act or negligenceby You, Your Household or any tenantthat increases the danger of damagewithout the authority or knowledge ofthe mortgagee provided that themortgagee as soon as reasonablypossible after becoming aware of thedanger shall give notice to Us and payan additional premium if required.

H16 - Fire and Owner’s LiabilityCover Only Applies The insurance provided by this homeinsurance policy is limited to theevents insured:

1. Fire, explosion, lightning,earthquake and thunderbolt; and

2. Liability to others as owner of theBuildings.

No other insurance cover is providedby this home insurance policy whilethis endorsement applies.

H17 - Satellite Dishes,Television/Radio Aerials and Masts The reference to “30 feet in height” inthis policy wording is substituted by thenumber of feet as advised to Us. Themonetary amount referred to remainsunchanged.

H18 - Increased Excess - Buildingsand Contents The standard policy excess amount of€250 applicable to Sections 1 and 2of this home insurance policy isincreased to that shown on YourHome Insurance Schedule.

H19 - Increased Excess -Accidental Damage The standard policy excess amount of€250 applicable to event insured 12Accidental Damage under Sections 1and 2 of this home insurance policy isincreased to that shown on YourHome Insurance Schedule.

H20 - Increased Excess - WaterPeril It is agreed that the €1,000 PolicyExcess amount stated in this policywording under Sections 1 and 2 isincreased to that shown on YourHome Insurance Schedule only inrespect of Events Insured sub-section 4of Section 1 - Buildings and EventsInsured sub-section 4 of Section 2 -Contents. Furthermore, the Policy


Excess is increased for any accidentaldamage loss (if this optional extracover, Event Insured sub-section 12 isshown as operative on Your HomeInsurance Schedule), if associated withthe water peril only.

H21 - Increased Excess - FloodPeril It is agreed that for the peril of floodonly (noted in Event Insured sub-section 3 of section 1 and EventInsured sub-section 3 of section 2 thepolicy excess amount is increased tothat shown on Your Home InsuranceSchedule. In addition, this increasedpolicy excess amount applies to anyaccidental damage loss (if thisoptional extra cover, Event Insuredsub-section 12 is shown as operativeon Your Home Insurance Schedule), ifassociated with the flood peril only.

H22 - Increased Excess -Subsidence Peril It is agreed that for the peril ofsubsidence or heave or landslip only(noted in Event Insured sub-section 11of section 1 and Event Insured sub-section 11 of section 2 the €1,000policy excess amount stated in thispolicy wording is increased to thatshown on Your Home InsuranceSchedule. In addition, this increasedpolicy excess amount applies to anyaccidental damage loss (if thisoptional extra cover, Event Insuredsub-section 12 is shown as operativeon Your Home InsuranceSchedule),associated with the peril of

subsidence, heave, or landslip.

H23 - Excluding Water Peril It is agreed that Event Insured sub-section 4 of section 1 - Buildings andEvent Insured sub-section 4 of section2 - Contents is deleted from this policywording. In addition, accidentaldamage cover is excluded (if thisoptional extra cover, Event Insuredsub-section 12 is shown as operativeon Your Home Insurance Schedule), ifassociated with the peril of water.

H24 - Increased Excess - Stealing(or Attempted Stealing) Peril The standard policy excess amount of€250 applicable to event insured 6Stealing (or Attempted Stealing) underSections 1 and 2 of this homeinsurance policy is increased to thatshown on Your Home InsuranceSchedule.

H25 - Excluding Subsidence PerilIt is agreed that Event Insuredsubsection 11 of section 1 - Buildingsand Event Insured sub-section 11 ofsection 2 - Contents is deleted fromthis policy wording. In addition,accidental damage cover is excluded(if this optional extra cover, EventInsured sub-section 12 is shown asoperative on Your Home InsuranceSchedule), if associated with the perilof subsidence.


H26 - Increased Excess – SpecifiedAll Risks ItemsThe standard policy excess amount of€100 applicable to Section 3 of thishome insurance policy is increased tothat shown on Your Home InsuranceSchedule.

H27 - Average Clause - BuildingsIf at the time of a loss or damage thesum insured is less than the fullrebuilding cost of the buildings asdefined, We will pay only for theproportion of the loss or damagewhich the sum insured bears to suchcost.

H28 - Average Clause - ContentsIf at the time of a loss or damage thesum insured is less than the cost ofreplacing all the contents as new, lessan allowance for wear and tear foritems listed in “How Claims will BeSettled” section of this policy wording,We will pay only for the proportion ofthe loss or damage which the suminsured bears to such cost.


AIG Europe Limited30 North Wall Quay,

International Financial Services Centre,Dublin 1, D01 R8H7.

AIG Europe Limited is authorised by the Prudential Regulation Authority ofthe United Kingdom, and is regulated by the Central Bank of Ireland for

conduct of business rules.

DAS Legal Expenses Insurance Company Limited is authorised by thePrudential Regulation Authority and regulated by the Financial

Conduct Authority and the Prudential Regulation Authority of the UnitedKingdom and regulated by the Central Bank of Ireland for conduct

of Business rules. HC

00

1 -

10/2

01

6

Home Cover Policy wording

Documents

Transcript of Home Cover Policy wording