12 Homeinsurance-Policy-Form-June2017

Home Insurance
Policy Document
Contents
Welcome3
Emergency Assistance 4
Making a Claim 5
Underinsurance6
Home Protection Tips 6
The Contract of Insurance 9
Meaning of Words 10
Section A – Buildings 13
Section A – Buildings – Settling Claims 18
Section B – Contents 21
Section B – Contents – Settling Claims 32
Section C – Family Personal Accident 34
Section D – All Risks 36
Section E – Sports Equipment 39
Section F – Pedal Cycles 40
Section G – Trailer Caravans 41
Section H – Boats 45
Section I – Family Legal Protection 48
Policy Conditions 55
Policy Exceptions 57
Other Clauses 58
Complaints Procedure 60
Data Protection 60
2
Welcome
Your Home Insurance contract consists of two documents:
The policy
This booklet which details the extent of cover for each of the sections chosen by you and the policy
conditions and exceptions.
The schedule
Which includes details of the risk address, operative sections and clauses, the sums insured and the
period of insurance.
Under the relevant European and Irish Legal provisions, the parties to this contract of insurance,
we, Zurich Insurance plc and you, the Insured, are free to choose the law applicable to the contract.
We propose that this contract is governed by Irish Law.
Please read these documents carefully and keep them in a safe place. If they do not meet your
requirements or if you have any queries regarding the cover or terms and conditions, please
contact your Insurance Broker or Zurich Insurance plc.
If you wish to make alterations to your Policy, they must be notified to us immediately for cover to
operate. Such alterations may include the purchase of a piece of jewellery, home improvements
such as an extension or the addition of a conservatory to your home.
3
Emergency Assistance
When the unexpected happens, it’s reassuring to know that help is at hand when you need it –
that you can talk to someone who will be able to give you advice and assistance immediately.
Emergency Helpline
Zurich, in conjunction with our assistance company provide an Emergency Helpline, to ensure that
customers get the reassurance they need.
Getting your home back in order

Whether it’s a case of burst pipes, a leaking roof or lock replacements, our experienced staff will
offer you immediate assistance, day or night.
• You will be required to pay a call out fee to the relevant contractor. The contractor must provide
you with a receipt.
• If work is required other than that which is catered for by payment of the call out fee, the
contractor must provide you with a written estimate and an explanation of the work to be
carried out.
• You are responsible for instructing the contractor to complete this work. Payment for this work
must be collected directly from you. Please retain any damaged materials/goods in order to
substantiate any future claim.
• You can claim for the work completed by the contractor under your Home Insurance Policy.
Once we are satisfied that the damage/repairs are covered by your policy, we will reimburse you
for the agreed amount less any policy excess.
• The advantages to you, our customer, are:
–– faster response to your emergency
–– specially negotiated rates for your repairs or replacement of your items even if the damage
is not covered under your Policy
–– help and assistance at a traumatic time.
As a Zurich customer you can avail of our 24 hour, 365 day helpline, by dialling 1890 208 408.
Our experienced staff will ensure that your emergency is taken care of quickly and efficiently.
4
Making a Claim
Emergency Assistance
Accidents can happen. If you are unfortunate to have an accident, you can now avail of the
Emergency Helpline, 1890 208 408.
What you should do

First, check your insurance Policy to see if the incident that has occurred is covered by your Policy.
If it is, then please dial 1890 208 408. We will take details of your claim and can arrange for a
contractor to call out to your home and deal with the damage that has occurred. We will also find
out what items have been damaged or stolen and take steps to organise replacements for some of
them from our approved suppliers. To access information regarding an existing claim, simply dial
1890 208 408 (24 hours, 365 days a year).
Our priority is to provide financial support to customers throughout the claim process to ensure
any repair/reinstatement work is completed as quickly as possible. In the event of a property claim,
where we elect to settle a claim on a cash basis, we may release a proportion of the estimated cost
of repair/reinstatement prior to completion of the work.
You must keep your receipts for any repair/reinstatement work as you will need to validate these
costs. The balance of the cost, otherwise known as a ‘retention amount’, will be given to you on
receipt of the appropriate documentation that validates the costs incurred by you for the repair/
reinstatement work (e.g. VAT invoices.)
Claims Notification Period

Please note that all claims must be notified to Zurich within 30 days of their occurrence.
Please refer to the Policy Conditions section of this document and familiarise yourself with your
obligations as failure to comply could result in your claim being refused.
5
Underinsurance
Protecting your home and contents
The purchase of your home represents probably the largest financial investment you will make in
your lifetime. To safeguard your financial interest in your property you must insure the full
reinstatement value of your buildings and contents. Failure to do so may result in your claim
settlement being reduced. Please see the ‘Settlement of claims’ section under Sections A, B and D
of this policy.
Each year prior to renewal of your annual policy you should review the amount for which you have
insured your buildings and contents and inform us, prior to renewal, of any changes. For example,
if home improvements have been carried out, such as the building of an extension or the
conversion of the attic, or if you have purchased additional contents, the sums insured should be
increased to reflect this.
Home Protection Tips

Storm
To minimise damage from storms, we suggest the following:
• Mineral felt roofs have a limited life span and are subject to wear and tear and deterioration
over time. Check the roof covering at regular intervals and replace the felt where there are signs
of deterioration. Remember, your Policy does not cover the maintenance costs involved in
repairing or replacing the roof. The Policy specifically excludes damage caused by wear and tear
and gradual deterioration.
• Ensure your tiles and guttering are secure.
• Check that the gutters and drains are not blocked.
• If a storm is forecast, make sure all gates are bolted. Put any garden furniture, lawnmowers or
plant pots in a garden shed and lock it.
Fire prevention
Every year many people are killed or injured and homes are destroyed as a result of domestic fires.
You can reduce the risk of fire by taking the following precautions:
• Do not overload an electrical point. Unplug all appliances when not in use.
• Repair faulty wiring, frayed leads and loose plugs.
• All fires and heaters should have a secure fireguard. Never leave the room without having
a guard in front of the fire.
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• All chimneys and/or flues to solid fuel stoves, boilers and open fires should cleaned by a
professional at least once a year. Any damage to the chimney or flues that may give rise
to a claim should be reported to us in accordance with the time periods referenced in
Condition 7 of this Policy under the heading ‘Policy Conditions’.
• Avoid careless smoking, especially in bedrooms.
• Matches should be kept well away from children.
• Close all internal doors when going to bed.
• Keep heaters away from furniture, curtains and bedclothes.
• Never move or refuel an oil or gas heater while it is lighting.
• Keep all electrical flexes off cooker rings and hobs.
• Be especially careful with chip pans, they should never be left unattended on a lighted cooker.
• You should install at least two smoke detectors in your house. Smoke detectors should be
tested regularly to ensure they are working properly. Change the batteries at least twice a year.
• Over the Christmas period, make sure to turn off your Christmas tree lights when leaving your
home unattended.
• Do not leave appliances including: dryers, washing machines and dishwashers running if you
are leaving your home or going to bed.
• Never leave a burning candle unattended or near any object which may catch fire.
Water damage
There are various weather hazards which you cannot avoid, but against which you can protect
your home.
• Lag pipes and water tanks wherever possible.
• Leave the underside of tanks free to ensure rising warmth can reach them.
• Replace washers on dripping taps.
Escape of oil
Regardless of the tank age, you should check your oil tank at least twice a year for signs of
cracking and/or failure. This damage is often due to weathering or poor original installation.
In the event that defects are discovered, the tank should be immediately replaced to avoid oil
escaping. If an escape of oil occurs it may cause damage to the environment which can result
in your property being uninhabitable and you may require temporary accommodation.
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Burglary prevention
Unfortunately, theft has become part of everyday life in many areas. Most thieves are opportunists
who commit crimes when they spot an easily entered home. Such opportunities can be removed
by fitting and using good quality locks on doors and windows and by installing an approved
alarm system.
• All external doors should be fitted with five-lever mortise deadlocks and the keys should be
removed from the lock.
• All patio doors should be fitted with key-operated patio door locks. The keys should be
removable. A stop should be fitted in the top of the door frame to prevent the doors from
being lifted out of their frame.
• All ground floor windows and other accessible windows, fanlights and rooflights should be
fitted with key-operated security locks or stops with removable keys or key-operated security
bolts with removable keys.
Before going on holidays

• If you have an automatic light switch installed, set it to operate at the times you normally switch
the lights on.
• Cancel all deliveries, e.g. milk, newspapers etc.
• Ask a neighbour to pop in from time to time to check on the house and to remove post from
the letterbox/porch.
• Check that all windows and doors are securely locked.
• Set your intruder alarm, smoke detectors and other alarm systems – check that the batteries in
all alarms are working.
• Turn off your water supply at the stopcock.
• Drain your water system and tank or alternatively, maintain an adequate heating level throughout
the house to prevent your pipes from freezing if your trip is during winter months.
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The Contract of Insurance
This Policy is a contract between you and us.
We will insure you under those sections shown in the schedule during any period of insurance
for which we have accepted your premium provided all the terms and conditions of the Policy
are kept.
The Policy, schedule and any endorsements should be read as if they are one document and any
word or expression to which a specific meaning has been given in any part of the contract shall
have the same meaning wherever it appears.
The proposal form and declaration signed by the Insured or the Statement of Facts issued to
the Insured are the factual basis of the contract.
For and on behalf of Zurich Insurance plc (‘Zurich’).
Zurich Insurance plc.

Registered Office: Zurich House, Ballsbridge Park, Dublin 4.
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Meaning of Words
Certain words in the Policy have special meanings. These meanings are given below or defined at
the beginning of the appropriate section. To help you identify these words in the Policy we have
printed them in bold throughout.
Bodily injury
Death, injury, illness or disease.
Buildings
The home, landlord’s fixtures and fittings on or in the home, walls, gates, fences, hedges,
terraces, patios, drives, paths, tennis hard courts and swimming pools, all at the situation of the
premises shown in the schedule.
Contents
Household goods, personal belongings (including valuable property), collections of stamps,
coins or medals up to €260, tenant’s fixtures and fittings (including interior decorations), radio
and television aerials fittings and masts (including satellite dishes, receivers and ancillary equipment
up to €650) on or in the home, all belonging to or the legal responsibility of you or a member of
your household.
The following property is not included as contents:
• Motor vehicles, caravans, trailers, aircraft, watercraft, hovercraft, or parts or accessories
normally on or in any of them.
• Landlord’s fixtures and fittings.
• Any living creature.
• Property owned or held in trust in connection with any business, profession or trade.
• Money of any kind.
• Deeds (except as provided under paragraph 21), bonds, bills of exchange, securities,
documents, manuscripts.
• Property more specifically insured or any amount that you cannot recover from a more specific
insurance because the insurer refuses or reduces the claim, or the sum insured is inadequate on
a specified item.
Credit cards
Credit, cheque, bankers or cash dispensing cards.
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Excess
The monetary amount of any claim which is not insured. This amount is shown in the relevant
paragraphs of the Policy or in the schedule.
Family
Your relatives (including your partner and all children) who normally live in the home.
Flood
(a) the escape of water from the normal confines of any natural or artificial water course
(other than water tanks, apparatus or pipes) or lake, reservoir, canal or dam
or
(b) inundation from the sea
whether resulting from storm or otherwise.
Geographical limits
The Republic of Ireland, Northern Ireland, Great Britain, the Channel Islands and the Isle of Man.
Ground heave
The upwards expansion of the ground resulting in damage to the building foundations.
Home
The private dwelling, garage and out buildings used for domestic purposes only, all at the
situation of the premises shown in the schedule.
Household
Your family and domestic staff permanently living in the home.
Money
Cash, cheques, postal orders, bankers drafts, travel tickets, savings stamps and certificates,
premium bonds, current postage stamps, gift tokens, luncheon vouchers, trading stamps and
telephone call cards all held for social or domestic purposes.
Premises
The buildings and the land within the boundaries belonging to them.
Settlement
The vertical movement of the ground surface (and therefore of foundations and structures
founded upon it) arising from the weight of the building.
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Subsidence
The downward movement within the ground independent of the building load.
Unfurnished
Without sufficient furniture and furnishings for normal living purposes.
Unoccupied
Not permanently lived in by you or by a person authorised by you.
Valuable property
Jewellery, items of gold, silver or other precious metals, watches, photographic equipment,
binoculars, paintings, works of art, curios, antiques, furs, musical instruments, radios, televisions,
other audio or video equipment and computer equipment. The most we will pay is one third of the
sum insured by section B – Contents, but not more than €4,000 for any one article, set or collection.
We or us
Zurich Insurance plc.
You
The person or people shown in the schedule as the Insured.
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Section A – Buildings
Meaning of Words
Words with special meanings in this section are defined on pages 10-12.
The cover
What is insured What is not insured
The buildings are insured against loss or damage
caused by the events in paragraphs 1 to 11.
1. Fire, smoke, lightning, explosion Smoke damage caused by:
or earthquake. • agricultural or industrial operations, any
gradually operating cause, or smog.
The first €250 of each incident of loss
or damage.
2. Storm or flood. Loss or damage:
• caused by frost, subsidence, ground
heave or landslip other than as provided
for in section A, paragraph 3 below
• to gates, fences or hedges
• due to wear and tear or gradual
deterioration.
• The cost of removing any fallen trees or
branches unless the tree or branch has
caused damage to the buildings
or damage
3. Subsidence or ground heave of Loss or damage in respect of apartment
the site on which the buildings stand blocks (purpose built or converted).
or landslip. Loss or Damage:
• caused by settlement due to building
load, bedding down, coastal, lake or
river erosion, structural alterations or
repairs or demolition, defective design
and/or construction, defective or
inappropriate foundations and the use
of faulty materials
• caused by building on made-up ground
or filled-in land
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• to walls, gates, fences, hedges, terraces,
patios, drives, paths, tennis hard courts
unless liability is admitted under the policy
for loss or damage to the home from the
same cause occurring at the same time
• to floor slabs unless the foundations
beneath the walls are damaged at the
same time by the same cause
• associated with such causes arising prior
to payment of premiums for the period
of insurance in which a claim may arise.
Loss or damage if any part of the buildings
suffered previous loss or damage by
subsidence, ground heave or landslip
unless same has been disclosed to and
accepted by us.
The first €2,500 of each incident of loss
or damage.
4. Stealing or attempted stealing. Loss or damage:
• while any part of the home is lent, let or
sub-let, unless entry to or exit from the
home is made using violence and force
• caused after the home is left
unfurnished or unoccupied for more
than 30 consecutive days
• caused by a member of the household
other than domestic staff.
or damage.
5. Riot, civil, labour or political disturbance. The first €250 of each incident of loss
or damage.
6. Vandals or malicious people. Loss or damage caused:
• by someone lawfully on the premises
• after the home is left unfurnished or
unoccupied for more than 30
consecutive days.
or damage.
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7. Escape of water from or the bursting Loss or damage:
of any fixed domestic water or heating • caused after the home is left
installation. We will also pay for the unfurnished or unoccupied for more
escape of water from any washing than 30 consecutive days
machine, dishwasher, refrigerator,
• to any fixed domestic water installation,
freezer, or fixed fish tank.
heating installation or appliance from
which the water escapes
• to tiles, walls, floors and ceilings caused
by the gradual leakage or seepage of
water from all fixed sanitary ware units
including baths and shower units
• due to wear & tear, rust, or gradual
deterioration.
or damage.
8. Escape of oil from any fixed domestic Loss or damage:
heating installation. • caused after the home is left
• to any fixed domestic heating installation
from which the oil escapes
• due to wear & tear, rust, or gradual
deterioration.
or damage.
9. Collision with the buildings, by aircraft, Loss or damage caused by your pets.
other aerial devices, road or rail vehicles, The first €250 of each incident of loss
or articles falling from them, or by animals. or damage
10. Falling trees or branches. • Loss or damage to gates, fences or hedges.

• Damage caused by felling or lopping
of trees.
• We will not pay for the cost of removing
any fallen trees or branches unless the
tree or branch has caused damage to
the buildings.
or damage.
11. Falling aerials, aerial fittings or masts. The first €250 of each incident of loss
or damage.
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12. Breakage of fixed glass and sanitary ware Loss or damage caused:
Accidental breakage of fixed glass in • after the home is left unfurnished
windows, doors or roofs or fixed sanitary or unoccupied for more than
ware in the home. 30 consecutive days
• by vandals or malicious people lawfully
on the premises.
or damage.
13. Service pipes and cables. • Loss or damage due to wear and tear, rust
Accidental damage to cables, or gradual deterioration.
underground pipes or underground The first €250 of each incident of loss or
tanks servicing the home. damage or the first €2,500 of each incident of
loss or damage which results in subsidence or
ground heave to the Buildings which is a
direct consequence of the accidental damage
to cables, underground pipes or underground
tanks servicing the home.
14. Blockage of sewer pipes. The first €250 of each incident of loss
The cost of breaking into and repairing or damage.
the pipe between the main sewer and the
home following the blockage of the pipe.
15. Rent and Alternative Accommodation.
If the home is made uninhabitable by
damage from any cause insured by this
section, we will pay for:
• rent you would have received and rent
which continues to be payable by you,
• the reasonable extra cost of comparable
alternative accommodation if you
occupy the home,
but only during the period necessary
to reinstate the home to a habitable
condition.
The work of reinstatement or repair must
be done without delay.
The most we will pay under this
paragraph is 20% of the sum insured
by this section.
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16. Liability to the public. Liability arising directly or indirectly from:
Any amounts which you, as owner of the • an agreement which imposes a liability
premises, become legally liable to pay as which you would not otherwise have
compensation for an accident occurring been under
during the period of insurance which • the occupation of the premises
causes bodily injury to a person or
• any business, profession or trade.
accidental loss of or damage to property.
Liability for:
The most we will pay for any one claim
or number of claims arising from one • bodily injury to a member of your
cause is €1,300,000 plus costs agreed by household or any other person
us in writing. permanently residing with you
• bodily injury to a person under a
contract of service or apprenticeship with
you or a member of your family
• loss of or damage to property owned
or held in trust by or in the custody or
control of you or a member of your
household or any other person
permanently residing with you.
17. Fire brigade charges.
Charges levied by a fire authority in
accordance with the provisions of the
Fire Services Act 1981 in controlling or
extinguishing fire affecting (or
threatening to affect) the buildings in
circumstances which have given rise to
a valid claim under this policy. The most
we will pay is €2,000 for buildings
and/or contents.
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18. Extended accidental damage. Loss or damage:
The buildings are insured against any • caused by wear and tear or gradual
accidental damage in addition to the deterioration, insects, vermin, corrosion,
events under paragraphs 1 to 14 of rot, mildew, fungus, atmospheric
this section. conditions, the action of light, any process
of heating, drying, cleaning, decorating,
alteration or repair, misuse, faulty
workmanship or design, the use of faulty
materials, or breakdown
• caused by chewing, scratching, tearing or
fouling by domestic pets.
Any loss, damage or amount shown as
not insured under paragraphs 1 to 14 of
this section.
or damage.
19. Trace and Access. Loss or damage:
We will pay up to €750 to remove or • to the item from which the escape
replace any part of the buildings occurred
necessary to repair any fixed domestic • caused after the home is left
water or heating installation from which unfurnished or unoccupied for
water or oil has escaped and has resulted more than 30 consecutive days.
in damage.
Section A – Buildings – Settling Claims

We will pay, at our option, the full cost of repair, or reinstatement as new, of the damaged part of
the buildings provided that the work is done without delay or, at our option, we will arrange for
the work to be carried out. However, this will be subject to the following:
Underinsurance
Our liability for repair or reinstatement following insured loss or damage shall not exceed the sum
insured on buildings at the time of loss or damage.
To safeguard your financial interest in your property you must insure the full reinstatement value
of your buildings, which should include due allowance for debris removal costs, architects,
surveyors, consulting engineers and other fees necessarily incurred in the reinstatement of the
property. Failure to do so will result in your claim settlement being reduced.
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The buildings sum insured as stated in the schedule is subject to the following condition
of average:
If the sum insured on buildings at the time of the insured loss or damage is less than the cost of
rebuilding as new all the buildings (including fees as above) covered by this policy and such
difference is greater than 15% of the rebuilding cost as new, we will pay only that proportion of
the loss or damage which the sum insured bears to the cost of rebuilding as new all the buildings
covered by this policy.
Wear and Tear

We will deduct an amount for wear and tear if the buildings are in a poor state of repair
or decoration.
• If it is necessary to make a deduction for wear and tear, then for the purposes of determining
whether or not there is underinsurance, the cost of rebuilding as new all the buildings covered
by this policy less the deduction for wear and tear will be compared with your actual sum insured.
• We will not pay any cost relating to the replacement of, or work on, any undamaged or
remaining items which form part of a set, suite, group or collection of articles of a similar
nature, colour, pattern or design when the loss or damage is restricted to a clearly identifiable
area or to a specific part and replacements cannot be matched.
If repair or reinstatement is not carried out (at the request of the insured, which request must be
explained and reasonable) we will pay the reduction in market value resulting from the loss or
damage, but only up to what it would have cost to rebuild or repair if such work had been carried
out without delay.
The most we will pay under paragraphs 1 to 14, 18 and ‘Additional Costs’ below is the sum
insured by this section.
We will automatically reinstate the sum insured from the date of payment of any claim unless we
have given you written notice to the contrary before payment.
Additional Costs
We will pay the necessary and reasonable expenses that you incur with our consent in reinstating
the buildings following loss or damage insured under this section, namely:
• fees to architects, surveyors, consulting engineers and others agreed by us
• the cost of clearing the site and making it and the home safe
• the cost of complying with any government or local authority requirements following loss or
damage unless you were given notice of the requirements before the loss or damage occurred.
Where you were not notified of any government or local authority requirements prior to the
loss or damage occurring and such requirements increase the rebuilding as new cost, this
increased cost will be disregarded for the purposes of determining whether or not the buildings
are underinsured.
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We will not pay:
• fees incurred by you for preparing a claim under this section
• costs in respect of undamaged parts of the buildings (except the foundations of the
damaged parts).
Mortgagees clause
The interest of the mortgagee shall not be prejudiced by any act or neglect by you, your household
or any tenant that increases the danger of damage without the authority or knowledge of the
mortgagee, provided that the mortgagee as soon as reasonably possible after becoming aware
of the danger, shall give notice to us and pay an additional premium if required.
Index-linking
We will automatically adjust the sum insured (but not any monetary limits) in line with changes in
the Housebuilding Cost Index issued by the Department of the Environment.
This adjustment of the sum insured will:
• be subject to a minimum increase of 1% in the Housebuilding Cost Index during the period
of insurance
• continue after any insured loss or damage if required repairs or reinstatement are carried out
without delay.
We will not charge extra premium during the period of insurance but at the end of the period
we will calculate the renewal premium on the revised sum insured.
More than one home

When more than one home is insured the terms and conditions of the policy shall apply as if each
is separately insured.
Selling your home

If you are selling your home we will insure the buyer up to the date the contract is completed
unless he/she has arranged his/her own insurance. The buyer must keep to the terms and conditions
of the policy.
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Section B – Contents
Meaning of Words
The cover
The contents are insured while in the home against
loss or damage caused by the events in paragraphs
1 to 11.
1. Fire, smoke, lightning, explosion Smoke damage caused by:
or earthquake. • agricultural or industrial operations
• any gradually operating cause
• smog.
or damage.
2. Storm or flood. Loss or damage caused by frost.
or damage.
3. Subsidence or ground heave of Loss or damage in respect of apartment
the site on which the buildings stand blocks (purpose built or converted).
or landslip. Loss or damage:
• caused by settlement due to building
load, bedding down, coastal, lake or river
erosion, structural alterations or repairs or
demolition, defective design and/or
construction, defective or inappropriate
foundations and the use of faulty materials
• caused by building on made-up ground
or filled-in land
• unless the home is damaged at the same
time by the same cause
• to floor slabs unless the foundations
beneath the walls are damaged at the
same time by the same cause
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• associated with such causes arising prior
to payment of premiums for the period of
insurance in which a claim may arise.
Loss or damage if any part of the buildings
suffered previous loss or damage by
subsidence, ground heave or landslip
unless same has been disclosed to and
accepted by us.
or damage.
4. Stealing or attempted stealing. Loss or damage:
• while any part of the home is lent, let or
sub-let, unless entry to or exit from the
home is made using violence and force
• caused after the home is left
• caused by a member of your household
other than domestic staff.
or damage.
5. Riot, civil, labour or political disturbance. The first €250 of each incident of loss
or damage.
6. Vandals or malicious people. Loss or damage caused:
• by someone lawfully on the premises
• after the home is left unfurnished
or unoccupied for more than
30 consecutive days.
or damage.
7. Escape of water from any fixed domestic Loss or damage caused after the home is left
water or heating installation, washing unfurnished or unoccupied for more than
machine, dishwasher, refrigerator, 30 consecutive days.
freezer, or fixed fish tank. The first €500 of each incident of loss
or damage.
8. Escape of oil from any fixed domestic Loss or damage caused after the home is left
heating installation. unfurnished or unoccupied for more than
30 consecutive days.
or damage.
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9. Collision by aircraft, other aerial devices, Loss or damage caused by domestic pets.
road or rail vehicles, or articles falling from The first €250 of each incident of loss
them, or by animals. or damage.
10. Falling trees or branches. The first €250 of each incident of loss
or damage.
11. Falling aerials, aerial fittings or masts. The first €250 of each incident of loss
or damage.
12. Breakage of glass. Damage while any part of the home is lent,
Accidental breakage while in the home let or sub-let.
of mirrors, plate glass tops to furniture, Loss or damage caused:
fixed glass in furniture or ceramic hobs. • after the home is left unfurnished
or unoccupied for more than
30 consecutive days
• by vandals or malicious people lawfully
on the premises.
or damage.
13. Audio, TV and video equipment. Damage:
Accidental damage while in the home • while any part of the home is lent, let
to radios, televisions, (including satellite or sub-let
decoding equipment) other audio or video • caused by wear and tear or gradual
equipment and computer equipment. deterioration, insects, vermin, corrosion,
rot, mildew, fungus, atmospheric
conditions, the action of light, any process
of heating, drying, cleaning, dyeing,
alteration or repair, misuse, faulty
materials, or breakdown
• to records, audio, video or computer
discs, tapes or cassettes
• to telephones or telephone equipment,
• caused by computer viruses.
or damage.
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14. Personal money. Loss of money from the home while any part
Accidental loss of or accidental damage of the home is lent, let or sub-let, unless entry
to money belonging to you or a to or exit from the home is made using
member of your family, anywhere in violence and force.
the world, up to €400. Stealing of money from an unattended road
vehicle unless from a locked boot or concealed
compartment and entry or exit is made using
violence and force.
Shortages caused by error or omission.
Depreciation in value.
Losses not reported to the police within
24 hours of discovery.
Confiscation or detention by customs or
other officials.
The first €50 of each loss.
15. Credit cards. Unauthorised use by a member of your
Financial loss arising from unauthorised household. Liability following breach of
use following loss or theft of credit the terms and conditions of use.
cards belonging to you or a member of Confiscation or detention by customs or
your family, up to €650. other officials.
16. Freezer contents. Deterioration resulting from the deliberate
Deterioration of food or drink caused by: act of the supply authority.
• a change in temperature of the Any consequence of strikes, labour or
freezer or refrigerator in the home, political disturbances.
• contamination by accidental escape
of refrigerant or refrigerant fumes.
We will pay for the cost of replacing food
and drink unfit for human consumption.
17. Contents in the open. Any loss, damage or amount shown as not
The contents are insured while in the insured under paragraph 1 and paragraphs
open within the boundaries of the land 3 to 11 of this section.
belonging to the home against loss or Plants and trees.
damage caused by events in paragraph 1 Loss or damage due to wear and tear, rust
and paragraphs 3 to 11 of this section. or gradual deterioration.
The most we will pay is €500. The first €250 of each incident of loss
or damage.
24
18. Contents temporarily removed. Loss or damage caused by storm, flood or
The contents are insured within the falling trees or branches while the contents
geographical limits while temporarily are in transit or in the open.
removed from the premises against loss Contents in accommodation housing one
or damage caused by: or more full time students.
• the events insured in paragraphs 1 to Theft of contents without using violence
3 and 5 to 11 of this section or force, whether in entering or exiting a
• stealing or attempted stealing from: building or otherwise.
–– a bank or safe deposit or in transit Property removed for sale or exhibition or
directly to or from a bank or safe to a furniture depository.
deposit while in the custody or Stealing of money.
control of you or a member of Any loss, damage or amount shown as
your household not insured under paragraphs 1 to 11 of
–– within an occupied building, boat this section.
or caravan used for residential The first €250 of each incident of loss
purposes or a building where you or damage.
or a member of your family are
employed, engaged in your/their
business or temporarily living
–– any other building provided entry
to or exit from the building is
made using violence and force.
The most we will pay is 15% of the sum
19. Household removal. Money, gold or silver articles, jewellery or furs.
Accidental loss of or accidental damage Loss or damage:
to the contents while they are: • if you have arranged other insurance
• being moved by professional furniture • not reported to us within 7 days of
removers to your new home within delivery to the new home.
the geographical limits
Cracking, scratching or breakage of china,
• in temporary storage, for up to 7 days glass or similar brittle articles, unless packed
in a furniture depository. by professional packers.
or damage.
25
20. Accidental loss of oil or metered water. Loss or damage due to wear and tear, rust
Loss of: or gradual deterioration of any water or oil
apparatus or installation.
• oil from a domestic heating installation
• metered water
or damage.
following accidental damage to the
domestic water or heating installation.
The most we will pay is €1,000.
21. Title deeds. Any loss, damage or amount shown as
The cost of preparing new title deeds to not insured under paragraphs 1 to 11 of
the premises if they are lost or damaged this section.
by a cause insured under the events in
paragraphs 1 to 11 of this section while
in the home or while kept in your bank
for safe-keeping.
The most we will pay is €650.
22. Fatal Accidents.
Fatal injury to you and/or your spouse or
partner as a direct result of:
• fire, accident or assault, in the
premises,
• an accident while travelling within the
geographical limits as a fare-paying
passenger in any road or rail vehicle,
• assault in the street within the
geographical limits, provided death
follows within 12 months of the injury.
The maximum amount payable by us is
€3,250 in respect of any one incident.
26
23. Rent and alternative accommodation.
If the home is made uninhabitable by
damage from any cause insured by this
section we will pay for:
• rent which continues to be payable
by you
• the reasonable extra cost of
comparable alternative
accommodation if you occupy
the home
• the reasonable cost of temporary
storage of furniture
• the reasonable extra cost of
temporary accommodation for
domestic pets
but only during the period necessary to
reinstate the home to a habitable
condition.
The work of reinstatement or repair must
be done without delay.
The most we will pay under this
paragraph is 20% of the sum insured
by this section.
24. Replacement of locks. The first €250 of each incident of loss
The cost of replacing and fitting outside or damage.
door locks to the home if the keys of
such locks are stolen.
The most we will pay is €700.
25. Tenant’s liability. Any loss or damage or amount shown as not
Your legal liability as tenant for loss or insured under paragraphs 1 to 14 of Section
damage to the buildings caused by A – Buildings.
an event in paragraphs 1 to 14 and 17
of section A – Buildings. The most we
will pay is 10% of the sum insured by
this section.
27
26. Liability to domestic employees. Liability for:
Any amounts which you or a member of • bodily injury to any person employed by
your family become legally liable to pay you or a member of your family for
as damages for bodily injury to your which compulsory motor insurance or
domestic employees (including security is required under the Road Traffic
chauffeurs, grooms, gardeners and Act 1961 or any subsequent amending
temporary and occasional employees legislation to this Act
or any person carrying out repairs or • bodily injury to any member of your
decorations) directly employed by you family or any other person permanently
or a member of your family in residing with you.
connection with your premises or any
temporary residence within the Republic
of Ireland.
or number of claims arising from one
cause is €2,600,000. (This includes all
costs agreed by us in writing.)
Where we agree to indemnify more than
one party then nothing in this policy shall
increase our liability to pay any amount
in respect of one claim or series of claims
in excess of the amount stated above.
27. Liability to the public. Any amounts Liability arising directly or indirectly from:
which you or a member of your • an agreement which imposes a liability
household: which you or a member of your
as occupier of the premises or any other household would not otherwise have
building, boat or caravan used as been under
temporary holiday accommodation • ownership of any land or building
as private individuals anywhere in the • any business, profession or trade
Republic of Ireland, Great Britain, the Isle
• racing, hunting or playing polo
of Man, the Channel Islands or Northern
Ireland or elsewhere for 30 days • wilful or malicious acts
become legally liable to pay as • the transmission of Human Immune
compensation for an accident occurring deficiency Virus (HIV) and/or HIV related
during the period of insurance which illness including Acquired Immune
causes bodily injury to any person or Deficiency Syndrome (AIDS) and/or any
loss of or damage to property. mutant derivative or variations thereof
however caused
or number of claims arising from one • the transmission of any communicable
cause is €1,300,000 plus costs agreed disease, by you or a member of your
by us in writing. household.
28
Liability arising directly or indirectly from the
ownership or use of:
• aircraft (except toys and models)
• mechanically propelled vehicles (except
domestic garden implements used within
the boundary of the premises, motorised
golf buggies on a golf course, motorised
wheelchairs or use of a vehicle solely as a
passenger having no right of control)
• any trailer caravan or vehicle trailers
whether attached or not attached to a
vehicle which arises in situations where
compulsory insurance must be arranged
under the Road Traffic Act 1961 or any
subsequent amending legislation to
this Act
• watercraft (except toys and models)
sailboards or hovercraft
• firearms (except shotguns or airguns used
for sporting activities)
• animals (except horses and pets which
are normally domesticated in the Republic
of Ireland).
ownership, possession, use or control of:
• dangerous dogs as specified in
regulations made under the Control of
Dogs Act 1986 or amendments thereto is
not covered if such ownership, possession,
use or control is not in accordance with
the provisions of such regulations
• horses is not covered if such ownership,
possession, use or control is not in
accordance with Local Authority Bye-laws
as made under the Control of Horses Act
1996 or amendments thereto.
29
Liability for:
• bodily injury to a member of your
household or any other person
permanently residing with you, or to
a person under a contract of service or
apprenticeship with you or a member
of your family
• loss or damage to property owned or held
in trust by or in the custody or control of
you or a member of your household or
any other person permanently residing
with you
• the first €125 of each incident of loss or
damage in respect of temporary holiday
accommodation.
28. Fire brigade charges.
Charges levied by a fire authority in
accordance with the provisions of the
Fire Services Act 1981 in controlling or
extinguishing fire affecting (or threatening
to affect) the contents in circumstances
which have given rise to a valid claim
under this policy. The most we will pay is
€2,000 for buildings and/or contents.
29. Christmas gifts.
The sum insured by this section is
automatically increased by 10% during
the month of December only, to insure
gifts and extra food and drink bought
for the Christmas season.
30. Wedding gifts. Losses that can be recovered under
The sum insured by this section is another insurance.
automatically increased by 10% to insure
wedding gifts during the period of one
month before and one month after the
wedding day of you or a member of
your family.
30
31. Extended accidental damage. Contents lost in the home.
The contents are insured while in the Damage to clothing (including furs), hearing
home against any accidental damage in aids, contact lenses, money, stamps, coins
addition to the events under paragraphs or medals, food or drink, mobile phones,
1 to 13 of this section. dentures, tablets, laptops, hearing aids.
Cracking, scratching or breakage of china,
marble, porcelain, glass or other similar
brittle articles.
Damage caused by or arising from:
• wear and tear or gradual deterioration
• gradually operating causes
• insects, parasites or vermin
• corrosion, fungus, mildew or rot
• atmospheric or climatic conditions, frost
or the action of light
• alteration, repair, maintenance, restoration,
dismantling, renovation or breakdown
• chewing, scratching, tearing or fouling
by domestic pets belonging to you or a
member of your household
• computer viruses
• any process of cleaning, drying, dyeing,
heating or washing
• faulty design or workmanship or the use
of faulty materials
• demolition, structural alteration or
structural repair of the buildings.
Any loss, damage or amount shown as
not insured under paragraphs 1 to 13 of
this section.
or damage.
31
Section B – Contents – Settling Claims
We will pay, at our option, the full cost of replacement as new, or repair, of the contents lost
or damaged or, at our option, we will replace the contents or arrange for the repair work to be
carried out.
However, this will be subject to the following:
Underinsurance
Our liability for repair or replacement as new of contents following insured loss or damage shall
not exceed the sum insured on contents at the time of loss or damage.
To safeguard your financial interest in your property you must insure the full replacement value
as new of your contents. Failure to do so will result in your claim settlement being reduced.
The contents sum insured as stated in the schedule is subject to the following condition of average:
If the sum insured on contents at the time of the insured loss or damage is less than the cost of
replacing as new all the contents covered by this policy and such difference is greater than 15%
of the replacement cost as new, we will pay only that proportion of the loss or damage which the
sum insured bears to the cost of replacing as new all the contents covered by this policy.
Wear and Tear

We will deduct an amount for wear and tear:
• for clothing, furs and linen
• for floor coverings more than 12 months old where a claim arises under paragraph 31,
Extended accidental damage.
If it is necessary to make a deduction for wear and tear, for the purposes of determining whether
or not there is underinsurance, the cost of replacement as new of all the contents covered by this
policy less the deduction for wear and tear will be compared with your actual sum insured.
area or to a specific part and replacements cannot be matched
• The most we will pay under paragraphs 1 to 13, 16, 19, 20 and 31 is the sum insured by this
section subject to the condition of average but see also the limitations on pages 10-12 with
regard to collections of stamps, coins or medals, satellite dishes, receivers, ancillary equipment
and valuable property.
32
• Where the damaged or lost item can be repaired or replaced with an item of similar quality,
we may at our option either arrange or authorise replacement. If an exact replacement is not
available, we may either arrange or authorise replacement with an item of similar quality.
Where the replacement or repair of any item results in an increase in the value of that item
we may make a deduction in respect of Betterment.
• If you do not replace (for a reason that is explained and reasonable) an article which is lost,
or damaged beyond economical repair, we will pay the resale market value only.
We will not pay:
• fees incurred by you for preparing a claim under this section
Index Linking
We will automatically adjust the sum insured (but not any monetary limits) in line with changes
in the Household durable goods section of the consumer price index as issued by the Central
Statistics Office.
This adjustment of the sum insured will:
• be subject to a minimum increase of 1% in the Household durable goods section of the
consumer price index during the period of insurance
• continue after any insured loss or damage if required repairs or reinstatement are carried out
without delay.
We will not charge extra premium during the period of insurance but at the end of the period we
will calculate the renewal premium on the revised sum insured.
33
Section C – Family Personal Accident
Meaning of Words
Insured person or insured people
You, your spouse/partner and your children up to the age of 16 who are all permanently living
in the home.
Loss of limb
Total loss by physical separation at or above the wrist or ankle, or permanent total loss of use
of an entire hand, arm, foot or leg.
Loss of sight
Total and irrecoverable loss of all sight of one or both eyes.
Permanent disability
Total inability to attend to any occupation or profession which, 52 weeks after the injury, is proved
to our satisfaction to be permanent.
Other words with special meanings in this section are defined on pages 10-12.
Table of benefits
If physical injury is the You or your Child up to
only and direct cause of: spouse/partner 16 years
A. Death €6,500 €650
B. Loss of one or more limbs €6,500 €6,500
C. Loss of sight €6,500 €6,500
D. Permanent disability €6,500 €6,500
34
The cover
1. We will pay the amount shown in the This applies to paragraphs 1 to 3.
Table of Benefits if any of the insured Any insured person suffering physical
people suffers physical injury anywhere injury while:
within the geographical limits as a
• working as a professional entertainer,
result of an accident during the period
bus, coach or heavy lorry driver, farm
of insurance.
labourer, window cleaner, removal
We will pay benefit only if death, contractor, demolition worker, steel
permanent disability, loss of limb erector, oil rig worker, trawlerman, diver,
or loss of sight occurs within twelve miner, quarryman
months of the date of the accident.
• working at heights in excess of 30 feet
Only one benefit will be payable to each
or depths 5 feet below ground level
insured person for any one accident.
• working with power-driven
2. Physical injury includes exposure resulting
wood-working machinery
from an accident to any aircraft, vehicle
or vessel, in or on which the insured • a member of the Armed Forces or Gardaí
person is travelling. • on duty as a member of the Merchant
3. We will pay the death benefit if an Navy or Fire Brigade.
insured person disappears and after Physical injury occurring while:
a reasonable time there is satisfactory • an insured person is motor-cycling,
evidence to presume that death as a racing (except on foot), hunting or
result of physical injury as described playing polo, mountaineering or
above has occurred. pot-holing, parachuting, bungee-jumping
A full refund must be made if it is later or hang-gliding or playing any sport
found that death has not occurred. professionally
• an insured person is flying (except as
a fare-paying passenger).
Physical injury caused by an insured person
being insane or under the influence of drink
or drugs, committing suicide or any act of
intentional self-injury or self-exposure to
unnecessary danger, being or having been
pregnant, or taking part in riot, or civil,
labour or political disturbance.
Any insured person aged 60 or over.
35
Special conditions
You must notify us as soon as reasonably possible, and always within 30 days, of an accident likely
to cause a claim.
We shall be entitled to call for:
• an examination by a medical referee appointed by us for a non-fatal injury
• a post-mortem examination if death occurs.
Section D – All Risks

Meaning of Words
The cover
The property all belonging to or the legal Loss or damage caused by wear and tear or
responsibility of you or a member of your gradual deterioration, depreciation in value,
household and listed under any Item number insects, vermin, corrosion, rot, mildew, fungus,
in this section is insured against accidental loss atmospheric conditions, the action of light,
or damage anywhere in the geographical any process of heating, drying, cleaning,
limits and elsewhere for 60 days in any one dyeing, alteration or repair, scratching, denting,
period of insurance if the schedule shows that breakdown, misuse, faulty workmanship or
you have selected this section. design, the use of faulty materials, confiscation
or detention by customs or other officials.
Losses of individual charms unless soldered to
the bracelet.
Breakage of strings, reeds or drum heads on
musical instruments.
Musical instruments and photographic
equipment owned or held in trust by or in the
custody or control of any person who uses
such property for professional purposes.
Deeds, bonds, bills of exchange, securities,
documents, manuscripts, business,
professional or trade goods or equipment.
Property more specifically insured or any
amount that you cannot recover from a more
specific insurance because the insurer refuses
or reduces the claim.
36
Item 1 – Unspecified Personal Possessions Any article insurable under sections:
Unspecified personal possessions, meaning E – Sports Equipment or F – Pedal Cycles.
jewellery, items of gold, silver or other precious Money of any kind, contact lenses, dentures,
metals, watches, photographic equipment, camping equipment, guns or tools, hearing
binoculars, musical instruments, prams and aids, tablets and laptops.
the like and other personal possessions Stealing of property from an unattended road
normally worn or carried on the person and vehicle unless from a locked boot.
unspecified clothing (including furs).
Mobile phones of any description.
The most we will pay for any one article, set
or collection is 331∕ 3% of the sum insured by
or damage.
this Item or €1,275 whichever is the less.
Special Automatic Cover:
Provided cover is operative under section B
– Contents, the Policy automatically includes
cover under this item for unspecified personal
possessions up to €1,275. The most we will
pay for any one article, set or collection under
this automatic cover is €650.
Where you have selected additional cover,
the most we will pay for any one article, set
or collection is 331∕ 3% of the combined sum
insured under Item 1 or €1,275, whichever
is the less.
Item 2 – Specified Items The first €50 of each incident of loss
Specified items listed in the schedule. or damage.
The most we will pay is the sum insured for
the individual items.
37
Settling Claims
We will pay, at our option and subject always to the limits specified in the Special Automatic Cover
or Unspecified Personal Possessions Cover or the Specified Items Cover (as applicable), the full cost
of repair, or reinstatement as new, of the article lost or damaged or, at our option, we will replace
the article or arrange for its repair. However, this will be subject to the following deductions where
so required:
• Underinsurance (in relation to Item 2 – Specified Items only)
–– Our liability for repair or reinstatement following insured loss or damage to an article shall
not exceed the relevant sum insured at the time of loss or damage.
–– To safeguard your financial interest in your property you must insure the full reinstatement
value of each article. Failure to do so will result in your claim settlement being reduced.
–– The sum insured for an article under Item 2 – Specified Items in this All Risks section is
subject to the following condition of average:
If the relevant sum insured for an article at the time of the insured loss or damage is less
than the cost of replacement as new and such difference is greater than 15% of the
replacement cost as new, we will pay only that proportion of the loss or damage which the
sum insured bears to the cost of replacement as new of the article.
• Wear and Tear (in relation to Item 1 – Unspecified Personal Possessions/Special Automatic Cover
and Item 2 – Specified Items)
–– We will deduct an amount for wear and tear for clothing and furs.
• If it is necessary to make a deduction for wear and tear as above, then for the purposes of
determining whether or not there is underinsurance for the relevant article (for Item 2 –
Specified Items purposes), the cost of reinstating as new that article, less the deduction for
wear and tear, will be compared with your actual sum insured.
area or to a specific part and replacements cannot be matched
• If you do not replace (for a reason that is explained and reasonable) an article which is lost,
or damaged beyond economical repair, we will pay the resale market value only.
38
Section E – Sports Equipment
Meaning of Words
The cover
The property all belonging to or the legal Loss or damage caused by wear and tear or
responsibility of you or a member of your gradual deterioration, depreciation in value,
household and listed under any item in this insects, vermin, corrosion, rot, mildew,
section is insured against accidental loss or fungus, atmospheric conditions, the action
damage anywhere in the geographical of light, any process of heating, drying,
limits and elsewhere for 60 days in any one cleaning, dyeing, alteration or repair,
period of insurance if the schedule shows that scratching, denting, breakdown, misuse,
you have selected this section. faulty workmanship or design, the use of
faulty materials, confiscation or detention
by customs or other officials.
Damage to guns by internal explosion.
Sports equipment owned or held in trust by
or in the custody or control of any person who
uses such property for professional purposes.
amount that you cannot recover from a
more specific insurance because the insurer
refuses or reduces the claim.
Sports equipment and clothing for those Loss or damage to:
sports shown in the schedule. • angling tackle while being used for shark
The most we will pay is the sum insured for or tunny fishing,
the individual items. • shuttlecocks and balls in play.
Damage while in use to cricket bats, squash,
badminton and tennis rackets, racket strings,
golf clubs or skiing equipment.
or damage.
Settling claims
We will pay the full cost of replacement as new or repair of the article lost or damaged less an
amount for wear and tear in respect of clothing or at our option we will replace the article or
arrange for its repair. If you do not replace the article which is lost or damaged beyond economical
repair we will pay the resale market value only.
39
Section F – Pedal Cycles
Meaning of Words
The cover
The property all belonging to or the legal This applies to all items of this section. Loss or
responsibility of you or a member of your damage caused by wear and tear or gradual
household and listed under any item in this deterioration, depreciation in value, corrosion,
section is insured against accidental loss or the action of light, any process of cleaning,
damage anywhere in the geographical alteration or repair, scratching, denting,
limits and elsewhere for 60 days in any one breakdown, misuse, faulty workmanship or
period of insurance if the schedule shows that design, the use of faulty materials, confiscation
you have selected this section. or detention by customs or other officials.
Pedal cycles owned or held in trust by or in
the custody or control of any person who uses
such property for professional purposes.
Pedal cycles, including accessories, shown in Lamps, tyres or accessories unless the pedal
the schedule. cycle is lost or damaged at the same time.
The most we will pay is the sum insured for Loss or damage while the pedal cycle is
the individual items. being used for racing, pacemaking or trials.
Theft of a pedal cycle outside the home
unless from a locked building or immobilised
by a security device.
or damage.
Settling claims
We will pay the full cost of replacement as new or repair of the article lost or damaged or at our
option we will replace the article or arrange for its repair. If you do not replace the article which is
lost or damaged beyond economical repair we will pay the resale market value only.
40
Section G – Trailer Caravans
Meaning of Words
The cover
1. We insure the property shown in the This applies to both Items of this section.
schedule belonging to or the legal Loss or damage caused by wear and tear or
responsibility of you or a member of gradual deterioration, depreciation in value,
your household against accidental loss insects, vermin, corrosion, rot, mildew,
or damage while: fungus, atmospheric conditions, the action of
• in the Republic of Ireland and the light, any process of heating, drying, cleaning,
United Kingdom including transit dyeing, alteration or repair, scratching,
by sea denting, breakdown, misuse, faulty
• in the continent of Europe for workmanship or design, the use of faulty
60 days in anyone period of insurance materials, confiscation or detention by
including transit by sea. customs or other officials.
Loss or damage while the caravan:
• is let for hire or reward or used as
a permanent residence
• is being used other than for social,
domestic or pleasure purposes.
Loss or damage by storm or flood unless the
caravan is anchored at each corner of the
chassis by chains or wire hawsers to standard
anchorage screws except:
• when the caravan is being towed or is
temporarily detached during the course
of a journey
• when the caravan is laid up at the
Insured’s permanent residence either
under cover or otherwise reasonably
protected from high winds.
or damage.
41
Item 1. The caravan and its equipment, Damage to tyres by road punctures, cuts or
including awnings, fixtures, fittings, bursts. Loss of or damage to awnings by
furnishings and utensils, in or on the caravan. storm or flood.
The most we will pay is the sum insured
by this item.
Item 2. Personal possessions while in Deeds, bonds, bills of exchange, securities,
the caravan or awning or in the vehicle documents, manuscripts, stamps, coins,
towing the caravan. The most we will medals or money.
pay for any one article, set or collection
is €130.
The most we will pay in total is the sum
insured by this Item.
2. We will pay the reasonable cost of
protecting and removing the caravan to
the nearest specialist repairers if it is
disabled through damage insured by
this section.
3. We will pay the reasonable cost of
delivering the caravan after such repair
to your home.
4. We will pay the necessary cost of
dismantling or removing the debris of
the caravan if it is damaged by an event
The most we will pay is 5% of the
sum insured by paragraph 1, Item 1
of this section.
42
5. Any amounts which you or a member Liability arising directly or indirectly from an
of your household become legally liable agreement which imposes a liability which
to pay as compensation for an accident you or a member of your household would
caused by, through, or in connection not otherwise have been under.
with, the caravan and its equipment,
Liability for:
which results in bodily injury to a
person or loss of or damage to property. • bodily injury to a member of your
household or to a person under contract
The accident must occur during the
of service or apprenticeship with you or a
period of insurance.
member of your family
• an accident caused directly or indirectly
by a vehicle towing a caravan or by
cause is €1,300,000 plus costs agreed
the caravan or its equipment while
by us in writing.
being towed.
Liability while the caravan:
• is let for hire or reward
Liability arising directly or indirectly from
the ownership or use of any trailer caravan
whether attached or not attached to a
vehicle which arises in situations where
compulsory insurance must be arranged
under the Road Traffic Act 1961 or any
subsequent amending legislation to this Act.
43
Settling claims
Item 1
We will pay the cost of replacement or repair of the property lost or damaged, or at our option
replace the property or arrange for the repair work to be carried out, after taking off an amount
for wear and tear. If to our knowledge the property is the subject of a hire-purchase or leasing
agreement and you do not replace or repair the property that is lost or damaged we will make
any payment to the owner. The owner’s receipt will be a full and final discharge of our liability
under this Item.
Underinsurance
If the sum insured on the caravan and its equipment at the time of the insured loss or damage is
less than the cost of their replacement as new (after deduction for wear and tear) you shall be
considered as being your own insurer for the difference and we will pay only the proportion of the
loss or damage which the sum insured bears to such cost.
Item 2
We will pay the full cost of replacement as new or repair of the property lost or damaged or at
our option we will replace the property or arrange for repair work to be carried out.
However, we will take off an amount for wear and tear:
• for clothing and linen
• if at the time of the loss or damage the sum insured does not represent the full cost of
replacement of all the property insured as new after allowing for deterioration of clothing
and linen
• if you do not repair or replace the property.
Underinsurance
If the sum insured on personal possessions in the caravan or awning or in the vehicle towing the
caravan at the time of the insured loss or damage is less than the cost of their replacement as new
(after deduction for wear and tear in respect of clothing and linen) you shall be considered as
being your own insurer for the difference and we will pay only that proportion of the loss or
damage which the sum insured bears to such loss.
If it is necessary to make an allowance for wear and tear then the cost of replacement as new less
the allowance for wear and tear will be compared with your actual sum insured. You will only be
paid that proportion of the loss or damage which your sum insured bears to this cost of replacement.
44
Section H – Boats
Meaning of Words
Property
The craft and its equipment shown in the schedule and belonging to or the legal responsibility
of you or a member of your family.
The cover
1. The property is insured against The excess shown in the schedule for each
accidental loss or damage while: incident of loss or damage (except total loss
• ashore or damage of the craft).
Loss or damage caused by wear and tear or
• in transit or afloat on inland and
gradual deterioration, depreciation, corrosion,
coastal waters of the geographical
rot, mildew, fungus, breakdown, faulty
limits or Europe.
Item 1 The craft, trolley, life-jackets, materials, confiscation or detention by
buoyancy aids and water-skis. customs or other officials.
Item 2 The outboard motor. Loss or damage while the property:
Item 3 The trailer. • is let for hire or reward
Stealing of gear and equipment unless entry
or exit is made using violence and force or
removal involves violence and force.
Stealing of an outboard motor unless it is
secured by an anti-theft device as well as its
normal method of attachment.
Stealing of a sailboard:
• from a car roof rack unless the sailboard is
secured by an anti-theft device as well as
its normal method of attachment
• unless entry or exit is made using violence
and force or removal involves violence
and force.
Loss or damage while the craft is left
unattended at anchor or afloat on moorings
(except as agreed by us in writing).
Loss or damage to propellers while in use
on craft with outboard motors of over 17hp
or inboard machinery with a design speed
of over 32kph.
45
2. We will pay for all salvage charges and Liability arising directly or indirectly from an
necessary expenses incurred in agreement which imposes a liability which
minimising or averting a claim under you or a member of your family would not
paragraph 1 of this section. otherwise have been under.
Liability:
• for bodily injury to workmen or others
whom you employ for any reason in
connection with the property
• occurring while the property is in transit
by road
• occurring while a person is being towed
or is preparing to be towed by the craft in
connection with paragliding, hang-gliding,
water-skiing or ski-kiteing or similar sports
or after the person has been towed until
safely aboard the craft again.
Liability while the property:
• is let for hire or reward
• is being used other than for social
ownership or use of vehicle trailers whether
attached or not attached to a vehicle which
arises in situations where compulsory insurance
must be arranged under the Road Traffic Act
1961 or any subsequent amending legislation
to this Act.
3. Any amounts which you or a member of
your family become legally liable to pay:
• as compensation for an accident
causing bodily injury to a person
or loss of or damage to property
• for the cost of any attempted or
actual raising, removal or destruction
of the wreck of the craft or any
neglect or failure to do so.
The accident must occur during the
period of insurance and arise from the
ownership or use of the property by
you or a member of your family.
46
This paragraph applies equally to a
person who, with your permission, is
navigating or in charge of the craft or
being towed on water-skis by the craft.
cause is €1,300,000 plus costs agreed by
us in writing.
Special conditions applying to all craft with outboard motors of over 17hp or inboard
machinery with a design speed of over 32kph.
When the craft is underway you or another competent person must be on board and in control.
Any trailer left unattended must be immobilised or fitted with an anti-theft device.
The craft must not be used in an official race or speed test.
If the craft has inboard machinery there is no insurance under this section for fire or explosion or
liability resulting from them unless the craft is equipped with either an automatic or a remote
controlled fire extinguisher with discharge head in the engine compartment which is properly
installed and maintained in efficient working order.
Settling claims
We will pay the cost of replacement or repair of the property lost or damaged including associated
necessary expenses but we may at our option replace or repair the property that is lost or damaged.
If we take this option:
• you shall send us when required all such plans, specifications and information as we may
deem necessary
• we will replace or repair the property in a reasonable manner even though it may not be
restored exactly to its former appearance and condition.
The most we will pay:
• for sails or protective covers that are more than three years old is two thirds of the replacement cost
• for outboard motors is the sum insured by Item 2 of this section or the market value at the time
of the loss or damage whichever is the less
• under paragraph 1 is the sum insured in respect of each Item of this section.
47
Section I – Family Legal Protection
Meaning of Words
Events or causes
The incident or start of a transaction or series of incidents which may lead to a claim being made
under this section. In employment disputes arising from a dismissal the event or cause shall mean
the effective date of termination of employment in respect of unfair, wrongful or constructive
dismissal proceedings. Events linked by cause or time shall be deemed to be one event.
Insured person
You or a member of your family.
Family:
Your spouse or partner and children under 23 years of age all permanently living in the home.
Legal costs and expenses:
The legal fees and costs of legal proceedings incurred by an insured person.
• Reasonable and proper payments made by the solicitor arising from legal proceedings on
behalf of an insured person.
• Costs of any civil proceedings incurred by another person for which an insured person may be
made liable by court or may pay with our consent which are not recoverable elsewhere.
Legal proceedings
Pursuit or defence of civil, tribunal or arbitration proceedings or appeals arising from them in
respect of any matter described in the cover which are subject to the jurisdiction of a Court of Law
within the geographical limits. The pursuit or defence as appropriate must be approved in
advance by us and be for damages, specific performance or injunction.
Solicitor
The solicitor or firm of solicitors or any other suitably qualified person, firm or company nominated
to act for an insured person (See condition 14).
Geographical Limits:
Europe and those other countries bordering the Mediterranean Sea.
48
1. Legal costs and expenses of legal Appeals unless the insured person notifies
proceedings in order to pursue a claim us in writing of his or her wish to appeal at
directly arising from one of the following least six workings days before the deadline
events or causes which occurs within for giving notice of appeal expires, and we
the period of insurance and within the consider the appeal to have a reasonable
geographical limits: chance of success.
• the death or personal injury of an Legal costs and expenses incurred:
insured person or loss or damage • before we have written to confirm
to his or her personal effects, acceptance of a claim
• physical damage to an insured • where the insured person moves
person’s permanent place of residence. permanent residence outside the Republic
of Ireland
• abroad by the solicitor in the Republic
of Ireland.
Legal costs and expenses greater than we
have approved.
Legal costs and expenses, fines or other
penalties which a Court of Criminal Jurisdiction
orders an insured person to pay.
Claims made or considered against us.
Claims made by insured persons:
• against you
• amongst themselves.
Claims directly or indirectly caused by,
contributed to, or arising from:
• an insured person’s business, profession
or trade unless the claim relates to the
breach of his or her contract of
employment in relation to unfair dismissal
• contracts of employment in respect of
Company Directors
• shares in a limited Company or a share
in the partnership of a firm
• any venture for gain
• deliberate or criminal act or omission
of an insured person
• any work carried out in, on, or for the
benefit of land or buildings other than
the insured person’s permanent place
of residence
49
• the planning or the construction or
structural alteration of buildings or parts
of them
• subsidence, mining or quarrying
• patents, copyrights, trademarks,
merchandise marks, registered designs,
intellectual or artistic property, secrecy
and confidentiality agreements
• libel or slander
• rent registration, rent reviews, leasehold
enfranchisement or any matters which in
the first instance fall within the jurisdiction
of rent, rates or land tribunals or any
appeals relating thereto
• lease or tenancy disputes concerning
a flat in a building containing more than
four flats
• divorce, matrimonial matters, cohabitation,
inheritance or family disputes
• planning including town and country
planning
• any works by or under the order of any
government or public or local authority
• any mechanically propelled vehicle
whether on land, sea or in the air, owned,
driven or used by the insured person, or
for which he or she is legally responsible,
including any caravan or trailer whilst it is
attached to a motor vehicle. This shall not
apply to death or personal injury to an
insured person or loss or damage to his
or her personal goods where he or she is
a passenger in such vehicle
• the insured person’s participation
in motor racing, rallying, reliability
trials, pacemaking, speed testing or
for any purpose in connection with
the motor trade.
50
The insured person’s travelling expenses,
subsistence allowances or compensation for
absence from work.
Any legal costs and expenses more
specifically insured or any amount that you
cannot recover from a more specific insurance
because the insurer refuses the claim.
Legal fees and costs of an expert witness,
unless we have agreed in advance to the
calling of the witness.
Legal costs and expenses incurred if an
insured person withdraws instructions from
the solicitor or from the legal proceedings.
Legal costs and expenses if we are not
satisfied that the insured person has
sufficient assets to meet any judgement.
Applications for a judicial review.
Any claim arising under the Anti Discrimination
Pay Act 1974 and amending legislation.
2. Legal costs and expenses of legal
proceedings arising directly from the
following events or causes which occur
within the period of insurance and within
the geographical limits in order to
pursue or defend the contractual rights
or duties of an insured person arising
out of a contract:
• for the purchase or hire of goods or
services for the private use of an
insured person. This includes the
purchase of an insured person’s
permanent place of residence
• where the insured person rents, as
a tenant, his or her permanent place
of residence
• for the sale of privately owned goods
by an insured person, including the
sale of the insured person’s
permanent place of residence
51
• of employment entered into by an
insured person but only in respect
of unfair dismissal.
At least €125 must be in dispute and the
event or cause must occur at least 90
days after the insurance started except in
respect of contracts entered into after the
first period of insurance has started.
3. Legal costs and expenses of legal
proceedings in order to pursue or
defend a claim directly arising from the
following event or cause which occurs
within the period of insurance and within
the geographical limits:
• an infringement of an insured
person’s legal rights arising from his
or her ownership or occupation of
their permanent place of residence.
The event or cause must occur at least
90 days after the first period of insurance
has started and the alleged infringement
must not have been known or
anticipated by the insured person. The
most we will pay for any one claim or
number of claims arising from one event
or cause is €65,000.
52
Conditions
1. An insured person must tell us in writing as soon as reasonably possible and within 180 days
in any event, about any matter which could result in a claim being made under this section.
2. If, after receiving a claim we decide that:
• the insured person’s prospects of success in legal proceedings are insufficient
• the interests of the insured person would be better served by another course of action
• we cannot agree to the claim
we will write to the insured person giving our reasons. Subject to the rest of this condition,
we will not then be bound to pay any legal costs and expenses for this claim. If the
insured person is not satisfied with our decision the dispute must be resolved in accordance
with condition 12.
3. An insured person must:
• give proper instructions
• provide information at his/her expense
• not do anything to prejudice his/her case.
4. If any person is ordered, or agrees, to pay an insured person all or any legal costs and
expenses, charges or compensation either in full or by instalments, the insured person will
do everything possible (subject to our directions) to recover the money and hold it on our
behalf. If payment is made by instalments these will be paid to us until we have recovered the
total amount that the other person was ordered, or agreed, to pay by way of costs.
5. We will not be bound by any promise or undertaking given by an insured person to the
solicitor unless we agree in advance and confirm this in writing.
6. An insured person will send us all bills for legal costs and expenses immediately on
receiving them.
7. We will have direct access to the solicitor at all times. The insured person will instruct
the solicitor to send us immediately any relevant documents, information or advice.
The insured person will give the solicitor any other instructions that the solicitor or we
may reasonably require.
8. The insured person or the solicitor will notify us immediately in writing before acceptance
of the making of any offer or payment into court with a view to settlement. If the insured
person does not accept this offer or payment and we consider that the outcome of the case
will be equally or less favourable to the insured person than the offer or payment, we shall
only be liable for any further legal costs and expenses after the offer or payment was made
if we have given our authority for the case to continue.
9. If an insured person is unsuccessful in legal proceedings, he or she may not take further
legal action in the same case at our expense without prior written permission.
53
10. If we request it, an insured person must require the solicitor to send his bill to be examined
or certified by the Incorporated Law Society of Ireland or any other appropriate body.
11. We have the right to cancel this section by giving 14 days notice in writing by registered letter
to your last known address and return to you the amount of premium in respect of the
unexpired period of insurance.
12. If there is a dispute under this section it will be referred to an arbitrator in accordance with
the law at the time. The arbitrator will be a solicitor or barrister jointly agreed by the insured
person and us. The arbitrator’s decision will be final and will be accepted by the insured
person and us.
13. The cover under this section is operative only in respect of actions which can be brought in
a Court of Law within the geographical limits.
14. The insured person reserves the right to appoint a solicitor of their own choosing, but
subject to our standard conditions of appointment (including as to hourly rates) which apply
to our panel of solicitors, which conditions are available on request.
In the meantime we may appoint a solicitor to act on behalf of the insured person to
safeguard his or her interests.
15. If the insured person dies we will insure his or her legal personal representatives to pursue
claims covered by this section arising from that death provided they keep to the terms of
this section.
Making a claim
1. To make a claim use the Family Legal Claims telephone number (01) 207 3035 and give
details of your claim. You will be required to complete a claim form.
2. If the claim is accepted we will write to confirm this. The insured person reserves the right
to appoint a solicitor of their own choosing, subject to the terms of Condition 14 above.
3. We may investigate the case and, subject to the final approval of the insured person
(which will not be unreasonably withheld), try to settle it.
4. The insured person must co-operate with us and keep us informed of all important
developments.
5. The administrator of this scheme on our behalf is MAPFRE ASISTENCIA Compania
Internacional De Seguros Y Reaseguros, S.A. trading as MAPFRE ASISTENCIA Agency Ireland.
Reg No 903874.
6. All letters to us must be sent to MAPFRE ASISTENCIA, Ireland Assist House, 22-26 Prospect
Hill, Galway, Ireland. Our letters will be sent to the address shown on the schedule or, if we
accept the claim, to the address of the solicitor.
54
Policy Conditions
These apply to Section A to Section I
In the following conditions you also includes any other person insured under the Policy.
1. You will take all reasonable steps to protect the property and prevent accidents.
2. If you or anyone acting for you makes a claim under the Policy knowing the claim to be false,
we will not pay the claim and all cover under the Policy ceases.
3. (a) We have the right to cancel the Policy or any section or part of it by giving 14 days
notice in writing by registered letter to your last known address and return to you the
amount of premium in respect of the unexpired period of insurance.
(b) You have the right to cancel the Policy or any section or part of it by giving us notice
in writing. We will return to you the amount of premium in respect of the unexpired
period of insurance. However, no return of premium will be allowed if you have made
a claim during the current period of insurance. If you cancel the Policy during the first
period of insurance, we will deduct an administration charge from any return of premium.
4. If there is a dispute arising out of this Policy, the dispute will be referred to an arbitrator.
The arbitrator will be appointed jointly by you and us in accordance with the law at the time.
Claims not referred to arbitration within 12 calendar months from the date of disclaimer of
liability shall be deemed to have been abandoned.
5. If you die we will insure your legal personal representatives for any liability you had previously
incurred under the Policy provided they keep to the terms of the Policy.
6. You must tell us of any change of circumstances after the start of the insurance which
increases the risk of loss, injury or damage. You will not be insured under the Policy until
we have agreed in writing to accept the increased risk.
7. Upon learning of any circumstances likely to give rise to a claim you must:
• tell us as soon as reasonably possible but immediately if there is riot damage
• give us all the help and information that we may reasonably require
• immediately tell the Police if loss or damage is caused by stealing, attempted stealing,
malicious people, vandals, riot, civil, labour or political disturbance
• immediately send to us any writ or summons or other communication you receive
• give full details within 30 days of the incident together with any supporting evidence that
we require.
55
8. You must report the loss of any credit card to the issuing company and to the Police within
24 hours of discovery.
9. We have the right to the salvage of any insured property.
10. You may not, without our consent, abandon any property to us.
11. You must not admit, deny, negotiate or settle a claim without our written consent.
12. We are entitled to:
• take the benefit of your rights against another person before or after we have paid a claim
• take over the defence or settlement of a claim against you by another person.
13. If at the time of a claim there is any other policy covering anything insured by this Policy
(except as provided under section C) we will be liable only for our proportionate share.
14. Where any single event results in a claim under more than one section of the Policy, the
highest excess only will apply.
15. All monies which become payable by us under this Policy shall in accordance with Section 93
of the Insurance Act 1936 be payable and paid in the Republic of Ireland.
16. Where the Insured has agreed under a separate credit agreement to pay the premium by
instalments, any default in payment on the due date will automatically terminate the Policy
cover immediately from the date of such default.
17. The appropriate Stamp Duty has been or will be paid in accordance with the provisions of
the Stamp Duties Consolidation Act,1999.
18. If an alteration to the policy results in an additional premium due to the Insurer or a refund
premium due to the Insured, we will only charge or refund such premium provided the
amount involved is greater than or equal to €10.
56
Policy Exceptions
These apply to all sections and clauses
The Policy does not cover:
1. Any event arising from war, invasion, act of foreign enemy, hostilities (whether war is declared
or not), civil war, rebellion, revolution, insurrection, military force or coup.
2. Loss or damage arising directly from pressure waves caused by aircraft and other aerial devices
travelling at sonic or supersonic speeds.
3. Any expense, consequential loss, legal liability or loss of or damage to any property directly
or indirectly arising from:
• ionising radiation or contamination by radioactivity from any nuclear fuel or from any
nuclear waste from the combustion of nuclear fuel
• the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or
nuclear component.
4. Consequential loss of any kind or description incurred by you or any member of your household.
5. The cost of maintenance or normal redecoration.
6. Loss or damage caused by wear and tear or gradual deterioration.
7. Any loss or damage caused by or arising from any computer hardware or software or other
electrical equipment not being able to recognise or process any date as the true calendar date.
Subsequent loss or damage which is otherwise covered by the Policy is nevertheless insured.
8. Terrorism Exclusion Endorsement
The Policy does not cover any loss, damage, liability, cost or expense of whatsoever nature directly
or indirectly caused by, resulting from or in connection with any act of terrorism regardless of
any other cause or event contributing concurrently or in any other sequence to the loss.
For the purpose of this endorsement an act of terrorism means an act, including but not
limited to the use of violence and/or threat thereof, of any person or group(s) of persons,
whether acting alone or on behalf or in connection with any organisation(s) or government(s),
committed for political or other purposes including the intention to influence any government
and/or to put the public or any section of the public in fear.
This endorsement also excludes loss, damage, liability, cost or expense of whatsoever nature
directly or indirectly caused by, resulting from or in connection with any action taken in
controlling, preventing, suppressing or in any way relating to any act of terrorism.
If we allege that by reason of this exclusion, any loss, damage, liability, cost or expense is not
covered by this Policy the burden of proving the contrary shall be upon you.
9. Any loss or damage caused by faulty materials, faulty design or faulty workmanship.
57
Other Clauses
Operative only if indicated in the schedule
Clause HP51 – Security Alarm Clause
It is a condition precedent to any liability of the Company in respect of stealing or attempted
stealing that an intruder alarm system approved to EN50131 or IS199 Standard is fitted providing
protections to all external doors and accessible windows. The intruder alarm system must be
maintained in efficient working order.
You have agreed that:
1. The intruder alarm system approved by us will be put into full and effective operation
whenever the home is left unattended.
2. The combination for the intruder alarm keypad will be:
• changed from that set by the manufacturer
• not displayed adjacent to the control box
• changed if it becomes known to an unauthorised person.
3. The keys of the intruder alarm system will be removed:
• from the home whenever the home is left unattended
• from the controls when the system is in operation.
If you do not comply with requirements 1, 2 and 3, we will not pay the first €315 of each such
incident of loss or damage by stealing or attempted stealing.
Clause HH141 – Security Locks Clause

It is a condition precedent to any liability of the Company in respect of stealing or attempted
stealing that:
1. All external doors are fitted with a 5 lever mortise deadlock and/or a deadlocking nightlatch.
2. Sliding patio doors are fitted with a key-operated security lock.
3. All accessible windows are fitted with a key-operated lock or other effective locking mechanism.
58
Clause HP84 – Fire Cover only
You are only covered for fire, lightning, explosion and earthquake until the home is
permanently occupied.
Clause HH124
Paragraph 16 of Section A buildings and Paragraph 27 of Section B Contents are extended to
permit you to let the home to a family.
Clause HH125
permit you to let the home to a couple.
Clause HH126
permit you to let the home to a tenant.
Clause HH152 – Voluntary Excess

In accordance with the Voluntary Excess option that you have selected, we confirm that the standard
Policy Excesses of €250 and €50 are increased to €500 wherever they appear in the Policy.
Where we have applied an increased excess, the maximum amount deducted from any one claim
will be the increased excess as noted in your policy schedule.
Clause HH153 – Voluntary Excess

In accordance with the Voluntary Excess option that you have selected, we confirm that the
standard Policy Excesses of €500, €250 and €50 are increased to €1,000 wherever they appear
in the Policy.
Where we have applied an increased excess, the maximum amount deducted from any one claim
will be the increased excess as noted on your policy schedule.
59
Complaints Procedure
At Zurich, we care about our customers and believe in building long-term relationships by
providing quality products combined with a high standard of service.
If it should happen that you have cause for complaint, either in relation to your policy or any
aspect regarding the standard of our service, please see the steps outlined below.
• If you have arranged your policy with Zurich through a Broker, you should firstly direct your
complaint to the Broker with whom you arranged your policy.
• If you deal with us directly, you should contact the Customer Services Co-ordinator, Zurich
Insurance, PO Box 78, Wexford. Telephone (01) 667 0666.
If the complaint is not resolved to your satisfaction, you should write to the Chief Executive Officer
at the aforementioned address, or alternatively you may wish to contact:
(i) Financial Services Ombudsman’s Bureau, 3rd Floor, Lincoln House, Lincoln Place,
Dublin 2. Lo-Call: 1890 88 20 90
(ii) Central Bank of Ireland, PO Box 559, Dame Street, Dublin 2. Lo-Call: 1890 77 77 77
(iii) Insurance Ireland, 5 Harbourmaster Place, IFSC, Dublin 1, DO1 E7E8. Telephone: (01) 676 1820
Your right to take legal action is not affected by following any of the above procedures.
Data Protection
Zurich will hold your details in accordance with our Data Protection and Privacy Policy together
with all applicable data protection laws and principles.
Information you supply may be used by us for the purposes of administering your policy (including
underwriting, processing, claims handling and fraud prevention) within the Zurich Insurance Group
and our partners inside and outside the European Economic Area.
We may share with our agents and service providers, members of the Zurich Insurance Group,
other insurers and their agents, and with any intermediary acting for you, and with recognised
trade, governing and regulatory bodies (of which we are a member or by which we are governed)
information we hold about you and your claims history. This includes the Insurance-Link database
and Insurance Ireland’s anti-fraud claims matching database. We may also in certain circumstances
use private investigators to investigate a claim.
In order to prevent and detect fraud and the non-disclosure of relevant information Zurich may
at any time:
• Share information about you with companies within the Zurich Insurance Group, other
organisations outside the Zurich Insurance Group including where applicable private investigators
and public bodies including An Garda Síochána
• Check and/or file your details with fraud prevention agencies and databases, and if you give us
false or inaccurate information and we suspect fraud, we will record this.
60
• Below is a sample of such databases used:
–– the Insurance Link Anti-Fraud register (for more info see www.inslink.ie)
–– the Integrated Information Data System (‘IIDS’) to verify information including penalty points
and NCD
–– MIAFTR (Motor Insurance Anti-Fraud and Theft Register) operated by the Association of
British Insurers in the UK to logs all insurance claims relating to written-off and stolen
vehicles in the UK
–– The National Vehicle File, maintained and supported by the Department of Transport,
Tourism and Sport, containing details of all registered vehicles in the Republic of Ireland
–– Companies Registration Office.
The databases used are not limited to those listed above and are subject to change at any time.
Zurich may also use your personal data, the personal data of your named drivers or members of
your household, information about your vehicle or property to search these agencies, databases
and other publically available information to:
• Help make decisions about the provision and administration of insurance, credit and related
services for you
• Trace debtors or beneficiaries, recover debt, prevent fraud and to manage your insurance
policies with Zurich
• Check your identity to prevent money laundering, unless you furnish us with other satisfactory
proof of identity
• Undertake credit searches and additional fraud searches.
Information about claims (whether by our customers or third-parties) made under policies that
we provide is collected by us when a claim is made and placed on an industry database of claims
known as Insurance Link. This information may be shared with other insurance companies,
self-insurers or statutory authorities.
Insurance companies share claims data:
(a) to ensure that more than one claim cannot be made for the same personal injury or
property damage
(b) to check that claims information matches what was provided when insurance cover was
taken out
(c) and, when required, to act as a basis for investigating claims to verify recorded information
or when we suspect that insurance fraud is being attempted.
The purpose of Insurance Link is to help us identify incorrect information and fraudulent claims
and, therefore, to protect customers.
61
Information about insurers’ obligations in relation to your information is contained in the Data
Protection Commissioner’s Code of Practice on Data Protection for the Insurance Sector which is
available at www.dataprotection.ie
Under the Data Protection Acts 1988 and 2003 you have a right to know what information about
you and your previous claims is held on Insurance Link. If you wish to exercise this right then
please contact us at the address below.
We may also need to collect sensitive personal data (for example, information relating to your
physical or mental health or the commission or alleged commission of an offence) to assess the
terms of insurance we issue/arrange or to administer claims which arise.
Unless you have advised us otherwise, we may share information that you provide to companies
within the Zurich Insurance Group and with other companies that we establish commercial links
with so we and they may contact you (by email, SMS, telephone or other appropriate means) in
order to tell you about carefully selected products, services or offers that we believe will be of
interest to you.
Please email [email protected] or write to us at below address if you do not wish
your information to be utilised for these purposes.
You have a right of access to and a right to rectify data concerning you under the Data Protection
Acts 1988 and 2003. Should you wish to exercise this right, please write to the Data Protection
Officer, Zurich Insurance, PO Box 78, Wexford. To access your data, a fee of €6.35 is chargeable
under the terms of the Data Protection Acts and cheque should be made payable to Zurich.
By providing us with your information and proceeding with this contract, you consent to all of
your information being used, processed, disclosed, transferred and retained for the purposes of
insurance administration (including underwriting, processing, claims handling and fraud prevention).
Please note that a copy of our full Data Protection and Privacy Policy can be viewed on our website
www.zurichinsurance.ie or requested by writing to our Data Protection Officer at Zurich
Insurance, PO Box 78, Wexford. Alternatively you can email [email protected].
62
Zurich Insurance plc
PO Box 78, Wexford, Ireland.
Telephone: 01 667 0666 Fax: 01 667 0644
Website: www.zurichinsurance.ie
Zurich Insurance plc is regulated by the
Central Bank of Ireland.
173003370 ZURG/0031-9 (04/17) TCL

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12 Homeinsurance-Policy-Form-June2017

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Home Insurance

Getting your home back in order

What you should do

Claims Notification Period

Home Protection Tips

Before going on holidays

Zurich Insurance plc.

whether resulting from storm or otherwise.

10. Falling trees or branches. • Loss or damage to gates, fences or hedges.

Section A – Buildings – Settling Claims

Wear and Tear

More than one home

Selling your home

Wear and Tear

Section D – All Risks

Clause HH141 – Security Locks Clause

Clause HH152 – Voluntary Excess

Clause HH153 – Voluntary Excess

173003370 ZURG/0031-9 (04/17) TCL

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