RS HH3016 02 14 v7 - Glennon€¦ · Insurance Ireland Ltd. Please check your Statement of Fact...

HOME INSURANCE

PolicyBENCHMARK OPTIONS

Your Claims Helpline Number is notedon your policy schedule

Emergency HomeAssist HelplineWe provide an emergency 24 hour Home Assist emergency helpline which can

provide you with a connection to an approved network of repairers(plumbers, electricians, glaziers, locksmiths, roofers etc.) to help alleviate the

effects of a loss as quickly as possible. See your policy schedule for the contactnumber.

ContentsPage

Welcome 2

Law 3

Complaints 4

Definitions 5-6

Section 1: Buildings Basic Cover 7-10

Additional Benefits 11

Liability 13

Section 1a: Buildings Standard Cover 13

Section 1b: Buildings Deluxe Cover 14

Section 2: Contents Basic Cover 15-17

Additional Benefits 18

Liability 19-20

Section 2a: Contents Standard Cover 21-24

Section 2b: Contents Deluxe Cover 25-27

Sections 1 & 2: Loss Settlement Basis 28-29

Section 3: All Risks Cover 30

Section 4: Caravan/Mobile Home Cover 31-32

Sections 3 & 4: Loss Settlement Basis 33

Policy Terms and Conditions 34-35

Claims 36-37

General Exclusions 38-39

Data Protection 40-41

1

Welcome to the Benchmark OptionsHome Insurance Policy and thank you forarranging your insurance with us. YourHome Insurance is underwritten by RSAInsurance Ireland Ltd.

Please check your Statement of Fact ProposalForm to ensure that the details contained onit are accurate as this document forms thebasis of the insurance contract. Youracceptance of this policy indicates youragreement that the details contained on theproposal form are accurate.

If the schedule details do not agree with thedetails completed on your Statement ofFact Proposal Form, or if the details on theproposal form are incorrect, then pleasereturn them immediately with a note of thechanges that should be made.

Please also read this Policy carefully toensure that it provides the cover yourequire. Your policy schedule sets out whichsections of cover you have purchased andyour sums insured. Please examine thispolicy, your schedule and any endorsementpages to make sure that they give youprotection according to your present needs.Our policy comes with three levels of coverdescribed as Basic, Standard and Deluxe.Your schedule will indicate which coveroption you have selected.

DUTY OF DISCLOSUREYou should advise immediately if the use ofyour home changes, such as it becoming letout to tenants, used as a holiday home,becoming unoccupied or being used for anybusiness purpose. You should also adviseimmediately if the nature of your homechanges in a way that might affect ourattitude to the cover provided – forexample during the building of an extension.If you are in any doubt as to whether achange is material, please notify it.

The reinstatement value of your Buildingsshown in the Schedule will be adjusted ateach renewal to reflect increased rebuildingcosts. You should satisfy Yourself that thisvalue is adequate to cover the fullrebuilding cost of the entire Buildings,including the cost of professional fees andsite clearance. If the sums insured areinadequate, it may affect the settlement ofany claims you may submit under the policy.We may at any time, on the advice of asurveyor or loss adjustor, amend the sumsinsured so that they represent the truevalues at risk.

WELCOME

2

Benchmark Underwriting Ltd t/a Benchmark is regulated by the Central Bank of Ireland.RSA Insurance Ireland Ltd. is regulated by the Central Bank of Ireland.

3

This Policy, which includes and shall be readas one document with the Schedule,Endorsements, Proposal Form andStatement of Facts Declaration, evidences acontract of insurance between you andRSA Insurance Ireland Ltd.

Provided you have paid or agreed to paythe premium RSA Insurance Ireland Ltd. will,subject to the terms, conditions, limitationsand exclusions of this Policy provide theinsurance as described in the followingpages for those sections of the policy youhave chosen.

INSURERAll monies which become or may becomedue under this Policy will in accordancewith Section 93 of the Insurance Act 1936be payable and paid in the Republic ofIreland in Euros unless we specifically sayotherwise.Premiums are subject to Government Levyand/or contribution where applicable.

Stamp Duty has been or will be paid inaccordance with Section 5 of the StampDuties Consolidation Act 1999 (asamended).

CONTRACT LAWThe parties to a contract of insurancecovering a risk situated in the Republic ofIreland are permitted to choose the lawapplicable to the contract.This insurancecontract will be governed by Irish Law.

Communications between you and usabout this Policy will be in English.

The insurer that you have entered into acontract with is RSA Insurance IrelandLimited.

Where Benchmark Underwriting Ltd. issuesLegal Expenses cover in association withthis Home Insurance, a separate wordingwill be issued. Any such cover provided willapply only for as long as this HomeInsurance remains in force. Details of theinsurer with which the contract will beconcluded will be clearly stated on thePolicy Schedule.

RSA is a registered business name of RSAInsurance Ireland Limited (the insurer). RSAInsurance Ireland Limited is regulated by theCentral Bank of Ireland.The underwriter isRSA Insurance Ireland Limited which is amember of the RSA Group. RSA InsuranceIreland Limited, RSA House, DundrumTown Centre, Sandyford Road, Dundrum,Dublin 16, company number 148094.

Brian HughesDirector of Personal UnderwritingRSA Insurance Ireland Limited

BENCHMARK OPTIONS INSURANCE POLICY

4

COMPLAINTS PROCEDUREWe aim to provide the highest quality ofcustomer service at all times.We are eagertherefore to learn about any aspect of ourservice or products not meeting customerexpectations.

If you have a complaint in connection withcompany service, the details of your policy,perceived conflict of interest or treatmentof a claim please contact your InsuranceBroker or you may contact:

Complaints OfficerBenchmark Underwriting Ltd.RSA House, Dundrum Town Centre,Sandyford Road,Dublin 16.

Our Complaints Procedures ensure that wewill respond to complaints within thetimelines set out in the ConsumerProtection Code.We will acknowledgeeach complaint in writing within 5 businessdays and will provide a point of contact forthe handling of the complaint.

We will endeavour to resolve complaintsquickly but if this is not possible we willprovide written updates at intervals of notgreater than 20 business days. If thecomplaint is not resolved within 40 businessdays we will inform you of the anticipatedtimeframe for resolution and your right torefer the matter to the Financial ServicesOmbudsman’s Bureau.

If your complaint is not resolved to yoursatisfaction you may contact our:

Customer Complaints ManagerRSA Insurance Ireland Ltd.RSA House, Dundrum Town Centre,Sandyford Road,Dublin 16.Tel: 1890 290 100,Outside Ireland Tel: + 353 1 290 1000.

In the event of the issue not being resolvedyou may contact:

The Insurance Information Service ofInsurance Ireland,Insurance House,39 Molesworth Street,Dublin 2.Tel: 01-6761914

The Service can advise you on how tocontinue further, and may be able to helpresolve the problem.

Contacting Insurance Ireland will not affectyour right to refer your complaint to theFinancial Services Ombudsman’s Bureau.

You may be eligible to bring your complaintto the Financial Services Ombudsman’sBureau.The details are below:

Financial Services Ombudsman’s Bureau,3rd Floor,Lincoln House,Lincoln Place,Dublin 2Tel:1890 882090 or (01) 6620899

You may only appeal a Financial ServicesOmbudsman’s Bureau finding to the HighCourt.We will not bear the cost of anyappeal you bring.

BENCHMARK CUSTOMER SERVICE

5

DEFINITIONSAny word or expression, which is given a specific meaning in this Policy, will have the samemeaning wherever it appears.

The Insured/You: The person(s) named on the Schedule as the Insured.

We/Us/The Company: RSA Insurance Ireland Ltd.

Buildings The Buildings is made up of two parts namely:

(a) the Private House (which includes garages with direct access fromthe Private House) including fixtures and fittings therein andthereon, occupied for residential purposes only, built with brick,stone or concrete and roofed substantially with slates, tiles, or otherincombustible materials and,

(b) domestic outbuildings, detached garages, swimming pools, tenniscourts, including fixtures and fittings therein and thereon, fuelstorage tanks and their contents, terraces patios, driveways,footpaths, walls, gates and fences, lawns, hedges, trees, shrubsand plants

all situate as stated in the Schedule on a site not exceeding two acres in area.

Contents Household goods, including tenants' fixtures and fittings, and personaleffects belonging to you (or for which you are legally responsible) orbelonging to members of your household and domestic employeespermanently residing with You, all in the private house and domesticoutbuildings.

Overall limit for contents of locked domestic outbuildings (other thanContents of secured garages built of standard construction) is €3,000 inany one period of insurance.

Money is included up to a maximum of €500.

Any one High Value Item is covered for not more than 5% of the ContentsSum Insured or €7,500 (whichever is the higher) and the total of theseitems is covered for not more than 33% of the Contents sum insuredunless details have been advised to us and are listed on the Schedule.

Your Contents Sum Insured includes an amount of €3,000 in any onePeriod of Insurance in respect of Home office equipment i.e. personalcomputers, printers, facsimile, telephone answering machines and the like.

Excluding:1. Property otherwise insured.2. Motor vehicles, (other than mechanically propelled lawnmowers), water craft (other than

canoes, rubber dinghies, sail boards, surf boards), caravans, trailers and aircraft or parts, keysor accessories of, on or in any of them.

3. Animals and livestock.4. Deeds, bonds, securities for money, manuscripts, certificates, bills of exchange, promissory

notes and documents of every kind unless specifically mentioned.

Domestic Employee Any employee of the Insured carrying on solely private domestic dutiesin connection with the Buildings (including repair, maintenance ordecoration but excluding work involving structural alterations, roofrepairs, demolition, construction or farming). Independent contractorsand/or consultants and/or their employees are also excluded.

Endorsement Any alteration to this Policy wording.

Fungi Any type or form of fungus, including but not limited to, all forms ofmould or mildew and any mycotoxins, spores, scents, vapours, gas orsubstance including any by-products produced or released by fungi.

Policy Excess The amount, shown on the Schedule, of any loss you must pay yourself,unless otherwise indicated within the Policy or Schedule.

High Value Items Any item, set or collection of jewellery, watches, precious metals,paintings, pictures, other works of art, furs, stamps, coins, and other suchitems, sets and collections, cameras, video, audio or home computerequipment.

Household You and others permanently residing with you in the Private Houseother than Paying Guests.

Paying Guests Guests paying for short term accommodation and/or tenants,co-tenants, lodgers, residing with you.

Money Banknotes, coins, cheques, bank drafts, postal or money orders, stamps(not forming part of a collection), savings stamps and Certificates,premium bonds, gift tokens, travel tickets.

Period of Insurance The period shown on your Schedule and any subsequent period forwhich we accept a renewal premium.

Personal Effects Articles normally worn or carried on the person.

Reduced Excess Some sections of the Policy are not subject to the Policy Excess.Whereindicated on the Schedule a Reduced Excess applies instead. For thosesections the Reduced Excess, indicated on the Schedule, is the amountof the claim that you must pay yourself. If it is not clearly stated that thereduced excess applies, then the policy excess applies to a loss.

Unfurnished Not adequately furnished or equipped for normal living purposes. In thecase of a newly constructed or renovated house, it will be deemedUnfurnished if either the water or electricity service has not beenconnected.

Unoccupied Not stayed in overnight by a member of your Household or any otherperson authorised by you.

ALL OTHER DEFINITIONSAS DETAILED INTHE POLICY

6

WHATYOUR POLICY COVERSLoss, destruction and/or damage caused by:

1) Fire, Explosion, Lightning, EarthquakeandThunderbolt

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

4) Freezing, Escape or overflow of waterfrom within any plumbing or Heatingsystem, fixed water apparatus or fixeddomestic appliance.

Trace and AccessWe 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.

EXCLUDING LOSS OR DAMAGE

• 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 directresult of damage to the Private Houseby Storm or Flood,

• by frost,• to roofs constructed with torch-on felt

exceeding 10 years of age.

• 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 any plumbing or heating system, fixedwater apparatus or fixed domesticappliance from which the water escapes,

• to any fixed water or heating installationdue to wear and tear, rust or gradualdeterioration

• resulting from escape or overflow waterfrom gutters,

• caused by the gradual ingress of waterfrom shower units and baths,

• should you retain any experts orcontractors other than those carrying outemergency works without our expressconsent. The engagement of these expertsor contractors will at all times be subjectto our approval, and we reserve the rightto select experts from our own panel.

SECTION 1: BUILDINGS - BASIC COVER

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5) Escape or overflow of Oil from withinany plumbing or heating system orFixed Domestic Appliance.

Trace and AccessWe 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.

6) Stealing (or Attempted Stealing)

7) Impact by Aircraft, Aerial Devices orArticles dropped from them, RailVehicles, Road Vehicles or Animals

8) Falling Trees and Branches and/orExternal Television/Radio Aerials,Masts and Satellite Dishes

9) Riot, Civil Commotion, Strikers,Locked-out Workers or PersonsTaking Part in Labour Disturbances




• to any plumbing or heating system, fixedwater apparatus or fixed domesticappliance from which the oil escapes,


• should you retain any experts orcontractors other than those carryingout emergency works without ourexpress consent. The engagement ofthese experts or contractors will at alltimes be subject to our approval, and wereserve the right to select experts fromour own panel.



• when any part of the Private House islent, let, sub-let or accommodating payingguests unless involving entry or exit byforcible or violent means.

• to Buildings caused by animals owned byYou 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 otherwise resultedin a valid claim under the Policy.

• to boundary walls, hedges, tennis courts,gates, fences, terraces, patios, drive-ways,footpaths, swimming pools, lawns, trees,shrubs and plants.

BUILDINGS - BASIC COVER

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Other than by Malicious Fire and Explosion:

• by any person lawfully on the premises orany person invited onto the premises by Youor a member of your Household,


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

• to boundary walls, hedges, tennis courts,gates, fences, terraces, patios, drive-ways,footpaths, swimming pools, lawns, trees,shrubs and plants.

• resulting from demolition, structuralalteration or structural repair,

• resulting from faulty workmanship, defectivedesign, the use of defective materials,settlement of newly made up ground andcoastal, lake or river erosion,

• to boundary walls, gates, fences, terraces,patios, driveways, footpaths, swimming poolsand tennis courts unless the Private House isdamaged at the same time by this cause,

• resulting from the bedding down of anystructure,

• to solid floor slabs or loss or damageresulting from the movement thereof unlessthe foundations beneath the external walls ofthe Private House are damaged by the samecause and at the same time,

• resulting from tunnelling work,• should you retain any experts or contractors

other 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,

Also excluding the first €1,000 of each andevery loss.


10) Malicious Damage and Vandalism

11) Subsidence or Heave of the Site onwhich the Private House stands orLandslip


9


12) Accidental Damage (but only ifindicated as covered on the Schedule)


• to the Buildings other than to thePrivate House,

• to any part of the Private House whichis lent, let, sub-let, or accommodatingpaying guests,

• by settlement and shrinkage,• caused by animals owned or in the care

custody or control of You or membersof your Household,

• caused by scratching, abrading ordenting,

• caused by faulty workmanship, defectivedesign, the use of defective materials orloss or damage resulting from them,

• to pottery, porcelain, terracotta, glass orother brittle articles, while being handledor actively used,

• to photographic, television, radio orother receiving, recording orreproducing equipment as a result of thefitting, repairing, adjusting, or dismantlingof any part of such apparatus, or tolamps, tubes, or electronic componentsin such apparatus,

• to records, audio, video or computerdiscs, tapes or cassettes,

• as a result of tree root action,• which comes within the terms of any

exclusion or limitation set out in thisPolicy including,but not limited to, Paragraphs (1) to (11)of this section.


Note: For exclusions which apply to the whole of your Policy see General Exclusions – Page 38

10

Alternative AccommodationWe will pay for:(a) reasonable additional expenses

necessarily incurred by You, with ourconsent, for alternative comparableaccommodation for You and membersof your Household,

(b) loss of rent due to You,(c) up to two years Ground Rent if You

are liable,(d) rent which continues to be payable

by You,

as a result of the Buildings being rendereduninhabitable following damage by aninsured cause. The expense is limited to theperiod necessary for reinstatement and thetotal amount payable is limited to 15% ofthe Buildings Sum Insured.

Debris Removal CostsWe will pay for the cost of debris removal,demolition and/or shoring up costsnecessarily incurred with our consentfollowing loss or damage to the Buildings byan insured cause.

Architects/Surveyors FeesArchitects/Surveyors and Legal Feesnecessarily and reasonably incurred, withour consent in the reinstatement of theBuildings following loss or damage to theBuildings by an insured cause but excludingfees incurred by You in the preparation of aclaim.

Reinstatement of Sum Insured after LossThe Sums Insured will not be reduced bythe amount of any loss.

Public Authorities Requirements CostsWe will pay the cost of complying with anyGovernment, Local Authority, Building orother Regulation to the extent that theseapply to parts of the Buildings damaged byan insured cause (but not where notice hasbeen served on You prior to theoccurrence of the loss or damage or if anypart of the Buildings is a protectedstructure and we have not been informed).

Purchaser’s InterestIf you have contracted to sell the Buildings,the contracting purchaser will have, at yourrequest, the benefit of this Section up tothe date of completion of the sale. Thisextension only applies if the Buildings is nototherwise insured and shall not prejudiceyour or our rights.

Service Pipes and CablesWe will indemnify You for accidentaldamage to service pipes and cables forwhich You are legally responsible. The totalamount payable is limited to 5% of theBuildings Sum Insured.

SECTION 1: BUILDINGS - BASIC COVERSECTION 1ALSO COVERSTHE FOLLOWING BENEFITS


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SECTION 1: BUILDINGS - BASIC COVERLIABILITYTO OTHERSAS OWNER OFTHE BUILDINGS

WHATYOUR POLICY COVERS

We will indemnify You against all sumswhich You shall become legally liable to payas owner of the Buildings for accidentshappening in or about the buildings whichresult in

(i) death, bodily injury or illness to anyperson other than- members of your Household- employees of You or of members of

your Household- paying guests

(ii) accidental damage to property otherthan property belonging to or underthe control of- You- members of your Household- employees of You or of members of

your Household- paying guests

The amount payable in respect of any oneevent or series of events under this policy(including any other section of the policy)constituting one occurrence will not exceed€3,000,000 inclusive of all legal fees andother expenses.

In the event of your death We will, inrespect of liability incurred by You, indemnifyyour personal representatives in the termsof and subject to the limitations set out,provided that such personal representativeswill, as though they were the Insured,observe, fulfil and be subject to the terms,exceptions and conditions of the Policyinsofar as they can apply.

EXCLUDING LIABILITY IN RESPECT OF:

• the ownership or use of any land orbuilding other than the Buildingsspecified in the Schedule,

• the occupation of any land or building• the exercise of any profession, trade or

business• any wilful or malicious act,• arising from work of a construction or

reconstruction nature or structuralalterations or demolition,

• the transmission of any communicabledisease

• any contract which imposed on youliability which you would not otherwisehave been under


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SECTION 1a: BUILDINGS - STANDARD COVER

WHATYOUR POLICY COVERSBreakage of Glass and Sanitary FittingsAccidental breakage of:(i) fixed glass in doors, windows, skylights,

fanlights and verandas,(ii) fixed wash-hand basins, fixed baths,

cisterns, fixed sanitary fittings and fixedshower units, glass in fixed furniture,fixed hobs and fixed mirrors.

EXCLUDING LOSS OR DAMAGE• while the Private House is

unfurnished or where the PrivateHouse has been unoccupied formore than 35 consecutive daysimmediately prior to the loss ordamage.

• to swimming pools.

Door Locks ReplacementWe will pay the cost of replacing externaldoor locks and keys of your Buildings,specified in the Schedule, where the keys ofsuch locks have been stolen following abreak-in at the Private House or followingan assault on You or a member of yourHousehold. The maximum amount payablewill be €500.

Title DeedsThe cost of preparing new title deeds tothe Buildings if they are lost or damagedwhile in the Private House or in your bankfor safe-keeping.

The maximum amount payable is €750.

Clean Up ExpensesVouched expenses incurred to clean up(but not to landscape), following escape ofoil from any fixed domestic system orappliance will be paid, subject to amaximum amount of €1,000 and providedno payment is made under contents coveron this or any other insurance policy.

EXCLUDING LOSS OR DAMAGE• while the Private House is

unfurnished or where the PrivateHouse has been unoccupied formore than 35 consecutive daysimmediately prior to the loss ordamage.

Fire Brigade ChargesWe will pay the cost of the charges madeon You by a local authority (as permitted bylegislation) for Fire Brigade attendance, as aresult of any incident which is insured byyour Policy. The maximum amount payablewill be €1,000.

Satellite Dishes, Television/Radio Aerialsand MastsWe will indemnify you for loss or damage toexternal Satellite Dishes, Television/RadioAerials and Masts not exceeding 30 feet inheight but subject to a maximum amount of€1,000 any one loss.


The following covers and benefits only apply if the Standard Cover option is shown asoperative in the Schedule and you have also selected Buildings cover.

These covers and benefits are in addition to those provided by the Basic Cover option.

The Average clause shown on page 28 does not apply.

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SECTION 1b: BUILDINGS - DELUXE COVER

Adaptation of Home following disabilityWe will pay the cost of adapting thebuildings for wheelchair access in the eventthat a member of the household suffersdisablement as a result of an accidentoccurring during the period of insurance,which requires them to use a wheelchairfor mobility which will in all probabilitycontinue for the remainder of theirnatural life.

The maximum amount payable is €10,000.

Damage to HeadstonesWe will pay the cost of repairing and/orreplacing headstones on the graves of yourparent, spouse or child following damage asa result of fire, lightning, storm, flood,malicious damage and/or stealing. Themaximum amount payable is €1,000.

Landscaping coverVouched expenses incurred to landscapeyour garden following damage as a result ofstorm or flood will be paid, subject to amaximum amount of €1,000 provided theprivate house is damaged at the same timeby this storm or flood.

Increased BenefitsUnder the Deluxe Option some of yourpolicy covers/benefits are increased as perbelow table

Description of Cover Standard Cover /Benefit

under Deluxe Optionthis is increased to

Door Locks Replacement €500 €1,000

Fire Brigade Charges €1,000 €2,000

Satellite Dishes,TV/Radio Aerials and Masts

€1,000 €2,000

Vouched Clean up expenses followingescape of oil

€1,000 €2,000


The following covers and benefits only apply if the Deluxe Cover option is shown asoperative in the Schedule and you have also selected Buildings cover.

These covers and benefits are in addition to those provided by the Standard and BasicCover options.

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1) Fire, Explosion, Lightning, EarthquakeandThunderbolt

2) SmokeMeaning direct damage fromsmoke including the sudden andunusual operation of any domesticheater or domestic cooking appliancelocated within the Buildings.

3) Storm or Flood

4) Freezing, Escape or overflow of Waterfrom within any plumbing or Heatingsystem, fixed water apparatus or fixeddomestic appliance.Trace and AccessWe 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 cover ofthis or any other policy.

5) Escape or overflow of Oil from withinany plumbing or heating system orFixed Domestic Appliance.Trace and AccessWe 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.


• by smoke from fireplaces,• by smog or from agricultural or industrial

operations.

• by frost.



• resulting from escape or overflow ofwater from gutters,

• caused by the gradual ingress of waterfrom shower units and baths.



• to any plumbing or heating system, fixedwater apparatus or fixed domesticappliance from which the oil escapes,


• should you retain any experts orcontractors other than those carryingout emergency works without ourexpress consent. The engagement ofthese experts or contractors will at alltimes be subject to our approval, and wereserve the right to select experts fromour own panel.

SECTION 2: CONTENTS - BASIC COVER

15


6) Stealing (or Attempted Stealing)

7) Impact by Aircraft, Aerial Devices orArticles dropped from them, RailVehicles, Road Vehicles or Animals

8) Falling Trees and Branches and/orExternal Television/RadioAerials, Masts and Satellite Dishes

9) Riot, Civil Commotion, Strikers,Locked-out Workers or PersonsTaking Part in Labour Disturbances

10) Malicious Damage and Vandalism

11) Subsidence or Heave of the Site onwhich the Private House stands orLandslip

EXCLUDING LOSS OR DAMAGE:



• when any part of the Private House islent, let, sub-let or accommodating payingguests unless involving entry or exit byforcible or violent means.

• to Contents caused by animals owned byYou or a member of your Household.

• caused by felling of trees or lopping ofbranches,

• arising from the cost of removing fallentrees unless they have otherwise resultedin 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 premisesby You or a member of your Household,


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

• to the Contents unless the PrivateHouse is damaged simultaneously.

CONTENTS - BASIC COVER

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EXCLUDING LOSS OR DAMAGE:

• to any part of the Private House which islent, let, sub-let, or accommodating payingguests,

• by settlement and shrinkage,• caused by animals owned or in the care,

custody or control of You or members ofyour Household,

• caused by scratching, abrading or denting,• caused by faulty workmanship, defective

design, the use of defective materials or lossor damage resulting from them,

• to pottery, porcelain, terracotta, glass orother brittle articles, while being handled oractively used,

• to photographic, television, radio or otherreceiving, recording or reproducingequipment as a result of the fitting, repairing,adjusting, or dismantling of any part of suchapparatus, or to lamps, tubes, or electroniccomponents in such apparatus,

• to records, audio, video or computer discs,tapes or cassettes,

• as a result of tree root action,• which comes within the terms of any

exclusion or limitation set out in this Policyincluding, but not limited to, Paragraphs (1)to (11) of this section.


12) Accidental Damage (but only ifindicated as covered on the Schedule)

CONTENTS - BASIC COVER


17

Alternative AccommodationWe will pay for :(a) reasonable additional expenses

necessarily incurred by You, with ourconsent, for alternative comparableaccommodation for You and membersof your Household,

(b) loss of rent due to You,(c) up to two years Ground Rent if You are

liable,(d) rent which continues to be payable by

You,(e) the reasonable cost of temporary

storage of Contents, as a result of theBuildings being rendered uninhabitablefollowing damage by an insured cause.

The expense is limited to the periodnecessary for reinstatement and the totalamount payable is limited to 15% of theContents Sums Insured.

Reinstatement of Sum Insured after LossThe Sums Insured will not be reduced bythe amount of any loss.

Liability as a Tenant (if applicable)We will pay for all sums you become legallyliable to pay as tenant, but not as owner, ofthe buildings following loss or damage(a) by any of the causes listed at

paragraphs 1 to 11, and paragraph 12 ifindicated as covered in the schedule, ofthe Buildings section

(b) to fixed glass and sanitary ware(c) to service pipes and cables

The maximum amount we will pay is 20%of the contents sum insured in any oneperiod of insurance.

SECTION 2: CONTENTS - BASIC COVERSECTION 2ALSO PROVIDESTHE FOLLOWING BENEFITS


18


Liability to Domestic EmployeesWe will indemnify you against all sumswhich You shall become legally liable to payas employer for death, bodily injury orillness to any Domestic Employee while inyour employment in connection with theBuildings. The amount payable in respect ofany one event or series of events under thispolicy (including any other section of thepolicy) constituting one occurrence shallnot exceed €3,000,000 inclusive of all legalfees and other expenses.

Liability to OthersWe will indemnify You against all sumswhich You shall become legally liable to pay(a) as occupier of the Buildings(b) in a personal capacity within the

Republic of Ireland, Northern Ireland,Great Britain, Isle of Man, ChannelIslands or elsewhere in the world in thecourse of a visit not lasting more than60 consecutive days,(i) for death, bodily injury or illness to

any person other than- You- members of your Household- employees of You or of members

of your Household- paying guests

(ii) for accidental damage to propertyother than property belonging toor under the control of- You- members of your Household- employees of You or of members

of your Household- paying guests

Continued...


• any action for damage brought in a Courtof Law outside the Republic of Ireland,

• any agreement unless liability would haveotherwise applied,

• any wilful or malicious damage,• arising from work of a construction or

reconstruction nature or structuralalterations or demolition or any operationincidental thereto

• accidents to independent consultants orcontractors and/or their employees

• death, bodily injury or illness caused toother members of your Household.

• the ownership, possession or use of anymechanically or electrically propelledvehicle (which includes mechanicallypropelled lawnmowers, mechanically orelectrically propelled children's' toys andmechanically or electrically propelled quadbikes), horse-drawn vehicle, water craft,aircraft (other than model aircraft) orsimilar vehicles or craft. This exclusiondoes not apply to mechanically propelledlawnmowers being used at your buildingsprovided that this extension shall notapply to or include any liability which iscompulsorily insurable under any RoadTraffic Acts or amending statutes

• the ownership, possession or use of anyanimal, but this exclusion does not applyto ponies or saddle horses (unless usedfor racing or steeple chasing), domesticcats and dogs (other than dangerous dogs,as specified in Regulations made underthe Control of Dogs Acts or amendmentsthereto, if such ownership, possession oruse is not in accordance with theprovisions of such Regulations)

• the ownership of any land or building,

SECTION 2: CONTENTS - BASIC COVERLIABILITYTO OTHERS

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caused by- You- members of your Household (other

than Domestic Employees)- Domestic Employees in the course of

their employment in connection withthe Buildings.

We will also indemnify, in like manner,members of your Household.

The amount payable in respect of any oneevent or series of events under this policy(including any other section of the policy)constituting one occurrence will not exceed€3,000,000 inclusive of all legal fees andother expenses.

In the event of your death We will, inrespect of liability incurred by You, indemnifyyour personal representatives in the termsof and subject to the limitations set out,provided that such personal representativeswill, as though they were the Insured,observe, fulfil and be subject to the terms,exceptions and conditions of the Policyinsofar as they can apply.


• any action for damage brought in a Courtof Law outside the Republic of Ireland

• the occupation of any land or buildingother than- the Buildings specified in the Schedule,- temporary holiday accommodation,

• any profession, trade or business otherthan the provision of- a child minding facility at the buildings

for not more than 2 children,- if the cover has been requested and

the premium paid, accommodation forpaying guests as detailed and subjectto the limit set out within this Policyor any amending Endorsement,

• any wilful or malicious act,• the ownership, possession, use or

discharge of any firearm other thanfirearms licensed for sporting activities.

• any contract which imposed on Youliability which you would not otherwisehave been under

• dangerous implements (e.g. chainsaws,blowtorches, kango hammers, weldingequipment and/or any equipmentnecessitating the use of protectiveclothing) which are being used other thanat the buildings as described in theSchedule

• arising from work of a construction orreconstruction nature or structuralalterations or demolition or any operationincidental thereto

• the transmission of any communicabledisease by You or any member of yourhousehold.


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SECTION 2a: CONTENTS - STANDARD COVERThe following covers and benefits only apply if the Standard Cover option is shown as operative inthe Schedule and you have also selected Contents cover.These covers and benefits are in addition to those provided by the Basic Cover option.

The Average clause shown on page 28 does not apply


Audio and Audio Visual Equipment(applicable only if Accidental Damage toContents is not included)

We will pay the cost of replacing orrepairing your television, video, stereo andhi-fi equipment and personal computers ifthey are accidentally damaged whilst in thePrivate House. The maximum we will pay inany one period of insurance is €1,000.

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

ChristmasThe Contents Sum Insured is automaticallyincreased by 10% during the months ofDecember and January.


• to records, audio, video or computerdiscs, compact discs, tapes or cassettes,

• caused by animals owned or in the carecustody or control of You or membersof your Household.

• The cost of replacing or repairing anyitem or equipment following breakdown,malfunction or misuse,

• damage to any item or equipmentdesigned to be portable whilst it is beingmoved, carried or transported,

• while any item or equipment is beingused professionally.

• to any item broken or cracked at thecommencement of this insurance,

• to swimming pools,• to any part of the Private House which

is lent, let, sub-let or accommodatingpaying guests,



• to hand mirrors.

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Compensation for death of Insuredand/or SpouseWe will pay €2,500 in the event of you oryour spouse's death by accident, as aresult 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 calendarmonths of such accident.

Contents in the openWe will indemnify You, up to an amount of€750, for loss or damage by an insuredcause, other than Accidental Damage(irrespective of whether cover is indicatedin the Schedule), to Contents in the openwithin the boundaries of your buildings.

Fraudulent Use of Credit/Debit/Charge/Cheque or Cash CardsWe will indemnify You up to a maximum of€1,000 in any Period of Insurance, inrespect of all claims resulting from the lossof a credit/debit/charge/cheque and/or cashcard belonging to You, or your spouse andsubsequent fraudulent use by anyunauthorised person.

Freezer and Refrigerator ContentsWe will indemnify You up to a maximum of€500 by payment or, at our option, byreplacement for loss or damage to food inyour deep freeze & refrigerator caused byany of the following 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.


• 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 Gardaí or Police andthe card provider upon discoveringthat it is missing,

• following unauthorised use by anymember of your Household.

• due to any deliberate act by You• due to any consequence of strikes,

labour or political disturbances.

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Household RemovalLoss or damage to Contents whilst in thecourse of removal by a professionalfurniture removal contractor only, from theBuildings to your new permanent residencein Ireland.

Temporary Removal of PropertyLoss of or damage to Contents by aninsured cause while temporarily removedfrom your Private House but remaining inthe Republic of Ireland, Northern Ireland,Great Britain, the Channel Islands or the Isleof Man.

In the event of loss or damage the amountrecoverable will be limited to 10% of theSum Insured on Contents.


• to property while in storage awayfrom removal vehicle,

• recoverable from any other source,• to glassware, china, pottery, porcelain,

terracotta or other brittle articlesunless they have been packed forremoval by professional packers,

• caused by scratching, abrading or denting.

• 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 oneitem, in respect of property belongingto any member of Your Household,while living away from home and/orattending college or university,

• by stealing or any attempt there atother than(i) from any Bank, Safe Deposit or

occupied house,(ii) from any building where You or

any member of your Householdis temporarily staying and whichinvolves entry or exit by forcibleor violent means,

(iii) involving entry to or exit from abuilding by forcible and violentmeans,

(iv) during removal to or from anyBank or Safe Deposit while in thecustody of You or a member ofyour Household.

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Loss of oilWe will pay for loss of oil from a fixeddomestic heating system following accidentaldamage to the domestic heating system.The maximum amount payable is €500.

Title DeedsThe cost of preparing new title deeds tothe Buildings if they are lost or damagedwhile in the Private House or in your bankfor safe-keeping.The maximum amount payable is €750.

Visitors and Guests PropertyLoss of or damage to the property ofvisitors and guests other than Paying Guestsby an insured cause is included up to a limitof €1,000 of any one loss.

Wedding GiftsThe Contents Sum Insured is automaticallyincreased by 10% for a period of onemonth before and one month after thewedding day of 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.

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ShoppingWe will pay for loss or damage to food andother goods while You, or a member ofyour Household, are transporting themfrom the shop where bought to theBuildings specified in the Schedule subjectto a maximum amount of €500 any oneloss.

EXCLUDING LOSS OR DAMAGE• by theft or attempted theft from any

unattended vehicle unless;(a) all windows, including sunroof, and

doors are securely locked and(b) the property is completely

concealed within a closedcompartment or locked boot

• to property otherwise insured

Increased Cover / BenefitsWith Deluxe Cover Option some of yourpolicy covers/benefits are also increased asper below table

UNSPECIFIEDALL RISKS COVERThe following cover only applies if theDeluxe Cover Option is shown asoperative in the schedule and you have alsoselected Contents cover.

The CoverUnspecified All Risks

We will indemnify You by payment or, atour option, by reinstatement, replacementor repair, for loss or damage caused toUnspecified Items as described in Section 3All Risks subject to a maximum of €3,000in any one period of insurance.- This cover forms part of the Contents

Section of your policy and is in additionto any cover purchased under Section3 All Risks.

- No sum insured will appear on yourschedule for this cover.

- This cover is subject to all the termsconditions and exclusions of Section 3All Risks.

SECTION 2b: CONTENTS - DELUXE COVER

Description of Cover Standard Cover /Benefit

under Deluxe Optionthis is increased to

Home Office Equipment €3,000 €6,000

Money €500 €2,000

Loss of oil €500 €2,000

Fraudulent Use of Credit/Cheque etc Cards €1,000 €3,000

Visitors and Guests Property €1,000 €3,000

The following covers and benefits only apply if the Deluxe Cover option is shown asoperative in the Schedule and you have also selected Contents cover. These covers andbenefits are in addition to those provided by the Standard and Basic Cover options.

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Section Definitions

Identity TheftThe theft of your personal identification,Personal Public Service (PPS) number, orother method of identifying you which hasor could reasonably result in the wrongfuluse of such information, including but notlimited to, theft occurring on or arising outof your use of the internet. All financial lossresulting from the same, continuous, relatedor repeated acts shall be treated as arisingout of a single Identity Theft Event. IdentityTheft shall not include the theft or wrongfuluse of your business name or any othermethod of identifying any of your businessactivities.

Identity Theft EventOne occurrence of Identity Theft or aseries of related occurrences.

This section provides You with insurancecover if You become the victim of IdentityTheft during the period of insurance,subject to the terms, conditions andlimitations shown below.We will pay up to€10,000 for each Occurrence of IdentityTheft, including €2,500 in respect of lostwages (maximum payment any one week€420). An Excess of €50 applies to eachIdentity Theft Event.

THE COVER (what is insured)

(1) Costs for Solicitors' fees for signingstatutory declarations or similardocuments for financial institutions orsimilar credit grantors or creditagencies that have required thataffidavits be notarised.

(2) Costs for registered mail to Gardaí,credit reference agencies, financialinstitutions or similar credit grantors.

(3) Lost wages as a result of time taken offfrom work to meet with, or talk topolice, credit reference agencies and/orlegal counsel or to complete statutorydeclarations. If you are a self employedprofessional, actual lost wages includesremuneration for vacation days,discretionary days, floating holidays andpaid personal days. Computation oflost wages for self employedprofessionals must be supported byand will be based on prior year taxreturns. Coverage is limited to wageslost within 12 months after yourdiscovery of an Identity Theft Event.

SECTION 2b: CONTENTS - DELUXE COVER -IDENTITYTHEFT


• Loss arising out of business activity ofany insured person. Lost wagesremuneration excludes businessinterruption or future earnings of aself- employed professional.

• Expenses incurred due to anyfraudulent, dishonest or criminal act byan insured person or any person actingin concert with an insured person, orby any authorised representative of aninsured person whether acting aloneor in collusion with others.

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(4) Loan application fees for re-applyingfor a loan or loans when the originalapplication is rejected solely becausethe lender received incorrect creditinformation.

(5) Reasonable legal fees incurred, subjectto our prior consent, for :(a) defence of lawsuits brought against

the insured person by merchants oftheir collection agencies;

(b)the removal of any criminal or civiljudgements wrongly enteredagainst you;

(c) challenging the accuracy orcompleteness of any information ina consumer credit report.

(6) Charges incurred for travel, longdistance telephone calls to retailmerchants, Police, financial institutionsor similar credit grantors or creditreference agencies to report ordiscuss an actual Identity Theft.

CONDITIONSAPPLICABLETOIDENTITYTHEFT COVERIf you discover you are a victim of anOccurrence of Identity Theft, contact Usimmediately and We will help you withadvice on what you need to do.

If you make a claim for lost wages, We willask you to submit proof from youremployer that you took unpaid days off. Youmust also provide proof that it wasnecessary to take time away from work.

You must also;(a) send copies of any demand, notices,

summonses, complaints, or legal papersreceived in connection with a coveredloss;

(b) take all reasonable and prudent actionto prevent further damage to youridentity;

(c) You must make the claim no later than6 (six) months from expiration date ofthis Policy.



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SECTION 1: BUILDINGSAND SECTION 2: CONTENTS-LOSS SETTLEMENT BASIS

BuildingsAny admitted claim (excluding claims inrespect of felt roofs) will be settled on anew for old basis (without deduction forwear, tear or depreciation), provided:(i) the Buildings have been maintained in

good repair(ii) the buildings sum insured at the time of

a loss is not less than the full cost ofrebuilding the entire buildings as definedinclusive of fees and removal of debris

(iii) repair or replacement is carried outwithout undue delay.

Claims in respect of felt roofs, will (subjectto the exclusion under paragraph 3 - Stormand Flood) be dealt with on an indemnitybasis i.e. deduction will be made for wear,tear and depreciation.

We will indemnify You by payment or, at ouroption, by reinstatement, replacement orrepair, for loss or damage by any of thecauses listed to the Buildings, subject to theterms, limitations, exceptions and exclusionsset out in this Policy.

In the event of a loss in respect of Buildingsour maximum liability is limited to the SumsInsured stated in the Schedule or endorsedthereon, less the amount of the Excessstated in the Schedule in respect of eachloss, except where indicated within thePolicy wording. At our option We will eitheri repair / reinstate orii pay the full reasonable cost of repair /reinstatement of the Buildings to You.

You must provide access to your home, andfacilitate an inspection, for our ManagedRepair Network of Building Contractors toquote for the cost of repair / reinstatement.

Where we opt to repair / reinstate, wereserve the right to use our Managed

Repair Network of Building Contractors tocomplete the works and we will takeresponsibility for the satisfactory completionof such works completed by them.

Where We agree to pay You We reserve theright to make staged payments as worksprogress and to withhold final payment untilall works are complete, final invoicesubmitted and final inspection completed byUs or our Representatives. The percentageof final payment withheld will not exceed30% of the overall settlement amount.

Average Clause - BuildingsIf at the time of a loss or damage the suminsured is less than the full rebuilding cost ofthe buildings as defined, we will pay only forthe proportion of the loss or damage whichthe sum insured bears to such cost.

ContentsProvided that, at the time of a loss, thecontents sum insured is adequate to replaceall of the contents as new, any admitted claim(excluding claims for items listed at (iii)below) will be settled on a new for old basis,as follows:(i) Total loss or destruction will be settled

without deduction for wear, tear ordepreciation,

(ii) Partial loss will be settled by payment ofthe cost of repair (if repairs can be made)and subject to this cost not exceedingthe replacement value of the property asnew,

(iii) All claims for:(a) household linen, wearing apparel,

sporting equipment and bicycles(b) any of the following if they are 5

years old: carpets, floor coverings andtimber flooring, TV audio videocomputer or recording equipmentand ancillary material including CD's,tapes, records and software

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will be settled on an indemnity basis i.e.deduction will be made for wear, tear anddepreciation

Otherwise, claims will be settled on anindemnity basis with an appropriatededuction for wear, tear and depreciation.

Subject otherwise to the terms andconditions of the Policy.

We will indemnify You by payment or, at ouroption, by reinstatement, replacement orrepair, for loss or damage by any of thecauses listed to the Buildings, subject to theterms, limitations, exceptions and exclusionsset out in this Policy.

In the event of a loss in respect of Buildingsour maximum liability is limited to the SumsInsured stated in the Schedule or endorsedthereon, less the amount of the Excessstated in the Schedule in respect of eachloss, except where indicated within thePolicy wording. At our option We will eitheri repair / reinstate orii pay the full reasonable cost of repair /reinstatement of the Buildings to You.

You must provide access to your home, andfacilitate an inspection, for our ManagedRepair Network of Building Contractors toquote for the cost of repair / reinstatement.

Where we opt to repair / reinstate, wereserve the right to use our ManagedRepair Network of Building Contractors tocomplete the works and we will takeresponsibility for the satisfactory completionof such works completed by them.

Where We agree to pay You We reservethe right to make staged payments as worksprogress and to withhold final payment untilall works are complete, final invoice

submitted and final inspection completed byUs or our Representatives. The percentageof final payment withheld will not exceed30% of the overall settlement amount.

Average Clause - ContentsIf at the time of a loss or damage the suminsured is less than the cost of replacing allthe contents as new, less an allowance forwear and tear for items listed in (iii) above,we will pay only for the proportion of theloss or damage which the sum insured bearsto such cost.

Limit of liabilityIn the event of a loss in respect of Buildingsor Contents our maximum liability is limitedto the Sums Insured stated in the Scheduleor endorsed hereon.We will deduct the amount of the Excessstated in the Schedule in respect of each loss,except where indicated within the Policywording.

SECTION 1: BUILDINGSAND SECTION 2:CONTENTSLOSS SETTLEMENT BASIS (CONTINUED)

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SECTION 3:ALL RISKS COVER

N.B. This insurance only applies when All Risks Sum Insured is shown on the Schedule.TheReduced Excess applies to this section. The exclusions listed below apply to both items 1 and 2.

Description of items covered Maximum sum insured per item

Personal Effects (but excluding, hearing aids, mobile phones,laptops, palm pilots, personal organisers and the like),

€1,500

Jewellery, Photographic Equipment (excluding camcorders), €1,500

Clothing and Sports Equipment €1,500

Bicycles €350

Item 2 Specified ItemsAny item specified in the Schedule up to amaximum of the Sum Insured shown against theitem.

Where an item forms part of a set, pair or suite,the per item limit applies to the set, pair or suiteand not just the damaged item (e.g. golf clubs)

EXCLUDING LOSS OR DAMAGE• to camping equipment, jet skis, documents

of any kind and household goods,• by stealing of any bicycle, (or of its tyres,

accessories or fittings) left both unlockedand unattended away from the Buildings,

• to any bicycle while being used for racingor while used for hire or reward,

• to tyres, accessories or fittings of anybicycle unless the bicycle is damaged atthe same time,

• by stealing or attempted stealing from anyunattended vehicle unless;a) all windows, including sunroof, and

doors are securely lockedb) the property is completely concealed

within a closed compartment orlocked boot,

• to sports equipment while in use,• to driver licenses, passports or documents

of any kind• to musical instruments or photographic

equipment used or held for business orprofessional purposes,

• caused by animals owned or in the carecustody or control of You or members ofyour Household,

• to pottery, porcelain, terracotta, glass orother brittle items other than by fire andstealing.

A valuation is required for all Specified Itemsvalued in excess of €5,000. Failure to provide avaluation obtained prior to a loss may invalidatethe cover or result in a claim being rejected.

Geographical LimitsThe cover provided by this Section applies toinsured property in the Republic of Ireland,Northern Ireland, Great Britain, the ChannelIslands and the Isle of Man, and for not morethan 60 days in any one Period of Insurancewhile elsewhere in the world.

THE COVERWe will indemnify You by payment or, at ouroption, by reinstatement, replacement orrepair, for loss or damage caused to:

Item 1 Unspecified Items


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This Policy covers Caravans which are notgreater than 15 years old at inception, arenot let for hire or reward or used as apermanent residence.

THE COVER (what is insured)

We will indemnify You by payment or, atour option, by replacement or repair foraccidental loss or damage to;(1) the Caravan specified in the Schedule,

including its accessories, furnishings andutensils,

(2) clothing and Personal Effects whilst inthe Caravan or whilst temporarily in thetowing vehicle in the course of ajourney.

In addition we will pay the reasonable costsincurred to protect and remove the caravanto suitable repairers and to deliver it toyour buildings following repair subject to amaximum amount payable of €400 inrespect of any one loss.

Where Insured:- Anywhere in the Republic of Ireland,

Northern Ireland, Great Britain, Isle ofMan, and the Channel Islands, includingtransit between ports.

- While temporarily within the Continentof Europe in the custody and control ofthe Insured for not more than 60 daysin any one Period of Insurance.


• to tyres,• if let for hire or reward or used as a

permanent residence,• by stealing or any attempt there at

(a) of clothing or Personal Effects whilethe Caravan is unattended unlesssecurely closed and locked,

(b) of the Caravan specified unlesssecured against theft (closed andlocked)

• caused by storm, unless secured at eachcorner by proprietary anchor screwsand wire hawsers except when kept atthe Buildings specified in the Schedule,

• of Money, stamp collections anddocuments of any kind,

• to High Value items,• for the amount of the Policy Excess

stated in the Schedule in respect ofeach loss.

SECTION 4: CARAVAN/MOBILE HOME COVER


N.B.This insurance only applies when a Caravan and Contents Sum Insured is shown onthe Schedule.

The Reduced Excess applies to this section.

SECTION 4: CARAVAN/MOBILE HOME COVERLIABILITYTO OTHERS


We will indemnify You against all sumswhich You become legally liable to pay fordamages in respect of;(1) Death, bodily injury or illness to any

person excluding your employees ormembers of your Household

(2) Accidental damage to property otherthan property belonging to or underthe control of You, members of yourHousehold or employees of You or ofmembers of your Household,

arising out of the ownership or use of theCaravan specified in the Schedule.

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

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.


Excluding Liability in respect of:

the Caravan whilst it is:(a) attached to any vehicle,(b) let for hire or reward or used as a

permanent residence,(c) being used other than for social,

domestic and pleasure purposes.

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33

Section 3: All Risks CoverProvided the loss or damage is covered byyour policy we will settle your claim asfollows subject to the sum insured:- Where damage can be economically

repaired, including for clothing, we willeither authorise or arrange for repair

- Where a damaged or lost item can bereplaced with an item of similar qualitywe will either authorise or arrange forreplacement.

- Where we are unable to either repairor replace the item we will make a cashpayment equal to an agreedreplacement value

- Where we have offered either repair orreplacement but you prefer a cashsettlement, we will pay you an amountequal to the cost to us had the itembeen repaired or replaced.

We may make a deduction for wear, tearand depreciation for clothing.

Section 4: Caravan/Mobile Home CoverOur maximum liability for any admittedclaim will not exceed the market value ofthe property at the time of its loss ordamage, or the Sum Insured specified in theSchedule (whichever is the lesser).

A proportionate adjustment will be madein the settlement of your claim if the SumInsured at the time of the loss or damage isless than the cost of replacing all of theproperty, which is the subject of this cover.

SECTION 3:ALL RISKS COVER &SECTION 4: CARAVAN/MOBILE HOME COVERLOSS SETTLEMENT BASIS


Observance of ConditionsThe observance by You of the terms,conditions and endorsements of this Policyas far as they relate to anything to be doneor complied with by You will be a conditionprecedent to any liability of the Company.

MisdescriptionThis Policy will be voidable in the event ofmisrepresentation, misdescription or non-disclosure of any material facts i.e. thosecircumstances which may influence Us inour acceptance or assessment of thisinsurance. If You are in any doubt as towhether a fact is material or not pleasedisclose it. This condition applies atinception of Your Policy and at renewaleach year.

Maintenance and SecurityYou must keep the Buildings in good repairand take all reasonable precautions toensure the safety of property insured andto prevent accidents.

Change in Risk or CircumstanceYou must tell Us in writing IMMEDIATELYof any change, which may affect thisinsurance or increase the risk of loss,damage or injury. Such changes include, butare not limited to(a) if the occupancy of the house changes

(i.e. becomes let out, used as a holidayhome or becomes unoccupied),

(b) if a business is carried on from theBuildings,

(c) if the property is being structurallyaltered,

(d) if an extension is being built,(e) if non standard materials are used in

the construction of a new extension.

Failure to advise Us of such a change couldinvalidate the cover provided or couldresult in a claim being rejected or reduced.If You are in any doubt as to whether achange is material or not please notify Us.

Cancelling this PolicyYou may cancel the Policy at any time bywritten notice. If there has been no claimduring the current Period of Insurance Wewill return premium for the unexpiredPeriod of Insurance.

We may also cancel the Policy at any timeby sending notice by registered letter toYou at your last known address. This noticeis effective from midnight on the seventhday immediately following the date of theregistered letter. We will return aproportionate part of the premium.

Where you have agreed under a separateagreement to pay the premium byinstalments and you fail to make a paymenton the date on which it becomes due, thefull amount of premium remainingoutstanding will become immediatelypayable. If the outstanding amount is notreceived in full we may cancel the policy bysending notice by registered letter to you atyour last known address. This notice iseffective from midnight on the seventh dayimmediately following the date of theregistered letter.

Mortgagee ClauseThe interest of a Mortgagee in thisinsurance shall not be prejudiced by any actor neglect of the Mortgagor (or Occupierof the Buildings) whereby the risk of loss ordamage is increased without the authorityor knowledge of the Mortgagee, provided

POLICYTERMSAND CONDITIONS

34


35

POLICYTERMSAND CONDITIONS(CONTINUED)the Mortgagee shall, immediately onbecoming aware thereof, give notice inwriting to Us and on demand, pay suchadditional premium as We may require.

Inflation ProtectionBuildings: The sum insured may be adjustedmonthly in accordance with the HouseRebuilding Cost Index prepared by theDepartment of the Environment. Followingloss or damage by any cause listed underSection 1 - Buildings, the Buildings suminsured will be Index Linked for theduration the Buildings are being reinstated,at the same rate that applied at thecommencement of Your Policy or lastrenewal, provided You take all reasonablesteps to ensure that the reinstatement iscarried out without undue delay.

No additional premium will be charged forthese adjustments between the anniversarydates of Your Policy, but the renewalpremium will be calculated on the revisedsum insured as appropriate.

Contents,All Risks and Caravan/MobileHome: The sums insured may be adjustedmonthly in accordance with the DurableHousehold Goods Section of theConsumer Price Index.

No additional premium will be charged forthese adjustments between the anniversarydates of Your Policy, but the renewalpremium will be calculated on the revisedsums insured as appropriate.

These adjustments may not be sufficient forYour needs and therefore You should notrely on this alone to ensure Your sumsinsured are adequate.You shouldperiodically review Your own sums insured.

Other InsurancesIf at the time of any incident, which resultsin a claim under this Policy, there is anyother insurance covering the same liability,loss or damage, We will pay only ourratable share.

No Claims DiscountYour Benchmark Options policy may besubject to a No Claims Discount. If this isthe case it will be indicated on theschedule.


CLAIMS

In the event of a claim you must- tell us immediately of any loss, damage

or accident and give details of how theloss, damage or accident occurred.

- retain all damaged property forinspection by us

- produce, at your own expense, allnecessary documents and informationto support any claim

- forward these to us, together with acompleted claim form, within 30 days offirst notifying us of the incident.

- send us any writ, summons, notice ofprosecution or other legal documentYou receive, unanswered, on receipt.

- advise the Gardaí or Police about anyincident of stealing, attempted stealingor vandalism, or loss, destruction,damage or injury by maliciousperson(s).

You must NOT- proceed with repairs (other than

emergency repairs necessary to limitdamage) or investigative work withoutour prior approval.

- negotiate, admit or repudiate any claimwithout our written consent , or allowany other person insured under thisPolicy, or anyone else acting on yourbehalf to do so.

We are entitled to- take over and conduct in your name, or

in the name of any other personindemnified by this Policy, the defence orsettlement of any legal action.

- take proceedings at our own expenseand for our own benefit, but in yourname, or in the name of any otherperson indemnified by this Policy, torecover any payment We have madeunder this Policy.

- receive all necessary assistance from Youor any other person indemnified by thisPolicy.

- enter any building where loss or damagehas occurred and deal with any salvage ina reasonable manner. However, noproperty may be abandoned to Us.

Emergency HomeAssist HelplineWe also provide an emergency 24 HourAssist emergency helpline which can provideyou with a connection to an approvednetwork of repairers (plumbers, electricians,glaziers, locksmiths, roofers etc.) to helpalleviate the effects of a loss as quickly aspossible. This is particularly useful whendamage is discovered suddenly, especiallyoutside of normal office hours.Call (01) 832 8756 any time

The cost of this service must be borne byyou. However, if the cost is covered by thispolicy then we will reimburse you as part ofthe claim settlement.

It is our hope that no accident or misfortune should befall you, but if you do need to make aclaim please contact our claims service at the number indicated on your Schedule. Our staffwill be glad to help you and advise you how to proceed.

36

Note: For exclusions which apply to the whole of your Policy see General Exclusions –

37

CLAIMS (CONTINUED)

How will we deal with your Claim?Our aim is to deal with your claimpromptly, efficiently and fairly. At all timeswe will try to provide you with the higheststandard of service. If you have any commentor complaint or if our service has not metyour expectations please do let us know.Depending on the type of claim and valueinvolved we may:- Contact you by telephone or letter to

progress your claim.- Arrange for one of our claims team to

personally call on you.- Appoint a Loss Adjuster

to deal with your claim on our behalf.- Appoint our Managed Repair Network

of Building Contractors to completethe works and we will takeresponsibility for the satisfactorycompletion of such works completedby them.

False ClaimsIf you or anyone acting on behalf of youmakes a claim or a statement in support of aclaim under this policy knowing it, or any partof it, to be false or exaggerated, or fails todisclose or conceals information likely toaffect a claim, all cover under this policy willcease immediately. In addition to any otherrights or remedies which we may have underthis policy or otherwise- We will not pay the claim- We will not pay any other claim which

has been or may be made under thispolicy

- We may at our option declare the policyvoid

- We will be entitled to recover from youthe amount of any claim already paidunder the policy

- We may inform the appropriate lawenforcement agency of the circumstances.


GENERAL EXCLUSIONSWar andTerrorism ExclusionNotwithstanding any provision to thecontrary within this Policy or anyendorsement thereto it is agreed that thispolicy excludes loss damage cost orexpense of whatsoever nature directly orindirectly caused by resulting from or inconnection with any of the followingregardless of any other cause or eventcontributing concurrently or in any othersequence to the loss(1) war invasion acts of foreign enemies

hostilities or warlike operations(whether war be declared or not) civilwar rebellion revolution insurrectioncivil commotion assuming theproportions of or amounting to anuprising military or usurped power or

(2) any Act of Terrorism.

For the purpose of this endorsement anAct of Terrorism means an act including butnot limited to the use of force or violenceand/or the threat thereof of any person orgroup of persons whether acting alone oron behalf of or in connection with anyorganization or government committed forpolitical religious ideological or similarpurposes including the intention toinfluence any government and/or to put thepublic in fear.

This endorsement also excludes lossdamage cost or expense of whatsoevernature directly or indirectly caused byresulting from or in connection with anyaction taken in controlling preventingsuppressing or in any way relating to (1)and/or (2) above.

If the Company alleges that by reason ofthis exclusion any loss damage cost orexpense is not covered by this Policy theburden of proving the contrary shall beupon the Insured.

In the event any portion of thisendorsement is found to be invalid orunenforceable the remainder shall remain infull force and effect.

Biological or Chemical ContaminationExclusionIt is agreed that regardless of anycontributory causes this Policy does notcover any loss damage cost or expensedirectly or indirectly arising out of Biologicalor chemical contamination due to any Act ofTerrorism.

For the purpose of this endorsement an Actof Terrorism means an act including but notlimited to the use of force or violence and/orthe threat thereof of any person or group ofpersons whether acting alone or on behalf ofor in connection with any organisation orgovernment committed for political religiousideological or similar purposes including theintention to influence any government and/orto put the public or any section of the publicin fear.

For the purpose of this endorsementcontamination means the contaminationpoisoning or prevention and/or limitation ofthe use of objects due to the effects ofchemical and/or biological substances.

If the Company alleges that by reason of thisexclusion any loss damage cost or expense isnot covered by this Policy the burden ofproving the contrary shall be upon theInsured.

Cyber RiskThis Policy does not apply to liability, loss,damage, cost or expense of whatsoevernature directly or indirectly caused by,resulting from or in connection with

(1) the loss of, alteration of or damage to or(2) a reduction in the functionality, availability

or operation of a computer system,hardware, programme, software, data,information repository, microchip,integrated circuit or similar device incomputer equipment or non-computerequipment that results from the maliciousor negligent transfer (electronic orotherwise) of a computer programme

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that contains any malicious or damagingcode including but not limited tocomputer virus, worm, logic bomb orTrojan horse.

WE SHALL NOT BE LIABLE FOR:Radioactive Contamination(1) Loss or destruction of or damage to

any property whatsoever or any loss orexpense whatsoever resulting or arisingtherefrom any consequential loss or,

(2) Any legal liability of whatsoever naturedirectly or indirectly caused by orcontributed to by or arising from(i) ionising radiations or contamination

by radioactivity from any nuclearfuel or from any nuclear waste fromthe combustion of nuclear fuel,

(ii) the radioactive, toxic, explosive orother hazardous properties of anyexplosive nuclear assembly ornuclear component thereof.

Sonic BoomLoss or damage caused by pressure wavesfrom aircraft and other aerial devicestravelling at sonic or supersonic speeds.

ConfiscationLoss of or damage due to confiscation,requisition or destruction by order of anyGovernment, or Public or Local Authority

Consequential LossConsequential loss or damage of any kindexcept as set out in this Policy.

FeesFees incurred by You in the preparation ofany claim.

FungiAny loss, damage or liability directly orindirectly caused by the presence, growth,

proliferation, spread or any activity of fungi,wet or dry rot or bacteria. Whenever fungi,wet or dry rot or bacteria occur, they andany resulting loss are always excluded underthis policy, howsoever caused. In addition,there is no cover to test for, monitor, cleanup, remove, remediate, contain, tread, de-toxify, neutralize, or in any way respond to oraccess the effects of fungi, wet or dry rot,or bacteria.

Sets and Matching ItemsAny undamaged item which forms part of aset, pair, suite or any other article of auniform nature even when replacementscannot be matched. We will only be liable forthe value of the particular item, part or partsthat have been lost or damaged inproportion to the total value of the set, pairor suite.

Wear, Tear and as undernoted- Wear, tear, rust or corrosion.- Gradual deterioration or any gradually

operating cause.- The cost of maintenance.- Mildew, rising damp, dry/wet rot, moth,

vermin, atmospheric or climaticconditions.

- Damage caused by any process ofcleaning, dyeing, repairing or restoring anyarticle.

- Mechanical, electrical or electronic defects,breakdown or malfunction.

Business, Trade or Professional PurposesThis Policy does not provide cover for anyproperty held in connection with anybusiness, trade or professional purpose otherthan Home Office equipment as referred towithin the Definition of Contents.

GENERAL EXCLUSIONS (CONTINUED)

What Does Benchmark do withYourPersonal DataInformation you provide will be used byBenchmark for the purposes of processingyour application and administering yourinsurance policy. Benchmark may need tocollect sensitive data relating to you (suchas medical or health records or convictions)in order to process your application and/orany claim made.

All information supplied by you will betreated in confidence by Benchmark andwill not be disclosed to any third partiesexcept (a) to our agents, sub-contractorsand the underwriters of the policy (b) tothird parties involved in the assessment,administration or investigation of a claim (c)where your consent has been received or(d) where permitted by law. In order toprovide you with products and services thisinformation will be held in the data systemsof Benchmark or our agents orsubcontractors.

Benchmark may pass your information toother companies for processing on itsbehalf. Some of these companies may bebased outside the EEA, but in all casesBenchmark will ensure that its transfers ofdata are lawful and that your information iskept securely and only used for thepurposes for which it was provided.

Calls to Benchmark may be recorded forquality assurance or verification purposes.

Fraud Prevention, Detection & ClaimsHistoryBenchmark distributes, administers andmanages a range of insurance products onbehalf of RSA Insurance Ireland Ltd.Thefollowing information outlines how RSA dealwith the issues of Fraud Prevention,Detection and Claims History.

In order to prevent and detect fraud and thenon-disclosure of relevant information RSAmay at any time:- Share information about you with

companies within the RSA InsuranceGroup, other organisations outside theRSA Insurance Group including whereapplicable private investigators and publicbodies including An Garda Síochána;

- Check and / or file your details with fraudprevention agencies and databases, and ifyou give us false or inaccurateinformation and we suspect fraud, we willrecord this.

RSA may also search these agencies anddatabases to:- Help make decisions about the provision

and administration of insurance, creditand related services for you;

- Trace debtors or beneficiaries, recoverdebt, prevent fraud and manage yourinsurance policies with RSA;

- Check your identity to prevent moneylaundering, unless you furnish us withother satisfactory proof of identity;

- Undertake credit searches and additionalfraud searches.

Benchmark Underwriting Limited recognise that protecting personal information includingsensitive personal information, is very important and we recognise that you have an interest inhow we collect, use and share such information.

Please read the following carefully as it contains important information relating to theinformation that you give us or has been provided to us on your behalf. If you provideinformation relating to anyone other than yourself, you are responsible for obtaining theirconsent to the use of their data in the manner outlined below.

DATA PROTECTION

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DATA PROTECTION (CONTINUED)

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Insurance Link DatabaseInformation about claims (whether by ourcustomers or third parties) made underpolicies that we provide is collected by uswhen a claim is made and is placed on aninsurance industry database of claimsknown as Insurance Link.This informationmay be shared with other insurancecompanies, self insurers or statutoryauthorities.

Insurance companies share claims data:(a) to ensure that more than one claim

cannot be made for the same personalinjury or property damage

(b) to check that claims informationmatches what was provided wheninsurance cover was taken out

(c) when required, to act as a basis forinvestigating claims when our recordedinformation is incorrect or when wesuspect that insurance fraud is beingattempted.

The purpose of Insurance Link is to help usidentify incorrect information andfraudulent claims and, therefore, to protectcustomers.

Guidelines for sharing your information withother insurance companies, self-insuringorganisations or statutory authorities arecontained in the Data ProtectionCommissioner’s Code of Practice on DataProtection for the Insurance Sector which isavailable at. www.dataprotection.ie.

Under the Data Protection Acts 1988 and2003 you have a right to know whatinformation about you and your previousclaims is held on Insurance Link. If you wishto exercise this right then please contact usat the address below.

How to contact usOn payment of a small fee you are entitled toreceive a copy of the information we holdabout you and to seek rectification of anyinaccurate data. If you have any questions, oryou would like to find out more about thisnotice you can write to:

Benchmark Underwriting Ltd,DundrumTown Centre,Sandyford Road,Dundrum,Dublin 16.

ConsentBy providing us with your information youconsent to all of your information being used,processed, disclosed and retained as setout above.

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Benchmark Underwriting Ltd t/a Benchmark is regulated by the Central Bank of Ireland.RSA Insurance Ireland Ltd is regulated by the Central Bank of Ireland.

RSA House, Dundrum Town Centre, Sandyford Road, Dundrum, Dublin 16.

RSA is a registered business name of RSA Insurance Ireland Limited. RSA Insurance Ireland Limited is regulatedby the Central Bank of Ireland. It is a private company limited by shares registered in Ireland under number

148094 with registered office at RSA House, Dundrum Town Centre, Sandyford Road, Dundrum, Dublin 16.

RS/HH3016 (02/14)

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