Your Home Insurance Policy Booklet

Your Home Insurance
Policy Booklet
fbd.ie
FBD Insurance plc is regulated by the Central Bank of Ireland.
Helpful notes and contact details
Important
Please let us know immediately, about any Full details, conditions and limitations are
event which could lead to a claim and before outlined within Section 6 of this policy.
making any repairs. Our claims service will make
the process as easy as possible for you. Uninsured losses and maintaining
your home
Claims Insurance provides protection against
To notify us about a claim you can contact us unexpected events caused by an insured risk
on 1890 617 617. such as fire, storm or theft. It does not cover
losses which are caused by the unavoidable
Customer service effects of the passage of time or normal wear
You can call us on 1890 617 617. You can also and tear or lack of maintenance.
find information by visiting our website www.
fbd.ie. It is essential that you carry out adequate
maintenance around your home to combat
loss or damage caused by uninsured risks. It is
Find a tradesperson also important to remember that all items have
Our “Find a tradesperson” helpline is available a lifespan and will need to be replaced after a
24 hours, 365 days a year. We will connect certain period of time.
you to our approved network of tradespersons
including plumbers, electricians, glaziers, There are many losses that are unavoidable
locksmiths or roofers to help you in an because they happen gradually over a period
emergency. You need to call 1890 478 478 to of time or are due to a lack of maintenance or
access this service. faulty workmanship. These losses are simply
uninsurable and examples include:
You are responsible for all costs, expenses or
fees which arise from the use of this helpline. • chimney damage caused by structural
However, if the cost is covered by this home problems due to age, faulty workmanship or
insurance policy, we will repay the cost as part lack of maintenance,
of a claim settlement.
• water damage caused by worn flashing,
roof tiles or slates in need of repair, faulty
Home emergency assistance workmanship, faulty seals,
Your schedule will confirm if this benefit
applies to your policy. • losses arising during bad weather which
would not have given rise to losses had
We will provide assistance to repair or secure
necessary repairs and maintenance been
your home and protect you from further loss or
carried out.
damage in the event of an emergency. Cover is
only provided for agreed emergency repair work You have a duty under this policy to keep the
to the private home, incurred with our prior property you have insured in good repair and
agreement. safeguard it from loss or damage.
Firstly you need to contact us on 1890 583
583 or in the event of theft contact An Garda
Síochána first before calling us.
Your FBD home
insurance policy
Your Insurance contract Cover

This policy booklet 2 Section 1A – Buildings cover 16
Duty of disclosure 3 Section 1A – Additional benefits – buildings 21
Definitions 4 Section 1B – Contents cover 25
Cover we provide 6 Section 1B – Additional benefits – contents 28
How we will settle your claim 6 Section 1B – Optional additional cover 33
Inflation protection 8 Section 2 – Sports equipment 34
Excess 9 Section 3 – All risks 35
No claim discount 9 Section 4A and 4B – Personal accident 36
General exceptions of the policy 10 Section 5 – Liability protection 39
General conditions of the policy 12 Section 6 – Home emergency assistance 42
Claims conditions 14 Changes to this policy booklet 45
1
Your insurance
contract
This policy booklet

At FBD Insurance, we’re always striving to
improve our products and give you the highest
standards of protection. We may update this
FBD Insurance plc has over 50 policy booklet from time to time, to make
years experience. We pride various enhancements and to meet different
laws and regulations.
ourselves on understanding
The latest version of the policy booklet that we
your needs and today we give to you, will be the version that applies to
are one of Ireland’s largest your insurance contract. If we make changes to
insurance companies. With this policy booklet that effect you when you
renew your insurance contract, we will provide
FBD Insurance local offices you with the updated version alongside your
throughout the country, as well renewal documents.
as telephone and online service In addition, a summary of any changes you
and support, quality customer need to be aware of will be provided under the
“Changes to this policy booklet” heading at
service is never far away. So the end of the document.
call, drop in or go online for a Always read your policy booklet for full terms
quotation today. and conditions.
Your policy
The information provided in your completed
proposal form and declaration, or statement
of fact and declaration will form the basis of
your insurance contract with us.
This policy booklet, your schedule and
relevant endorsements outline the cover we
are providing to you. You should read these
documents as one and keep them in a safe
place. If they do not meet your requirements in
any way or you have any queries, please contact
us.
2
The insurance provided is subject to you are outlined under Condition 2 in the General
having paid or paying us in line with an agreed conditions of this policy. Please ensure you
direct debit facility the premium, and will understand this condition and if you have any
apply in respect of events occurring within questions, contact us.
the territorial limits during the period of
insurance or any subsequent period for which
we may accept payment for renewal of this
policy.
Complaints
If you would like to make a complaint, please
The cover provided is subject to the terms, contact us:
exceptions and conditions outlined within
• by phone 01 7 617 617;
the schedule, policy booklet and relevant
endorsements. • in person – call into any of our branch
offices nationwide; or
• email info@fbd.ie.
Duty of disclosure If you are not satisfied with our response or

how we have dealt with your complaint, you
You must ensure that all information you give may refer your case to the:
us is true, accurate and complete. The questions Financial Services and Pensions Ombudsman,
and responses recorded in your: Lincoln House, Lincoln Place, Dublin 2
• proposal form or statement of fact, D02 VH29
• renewal applications, and Phone: + 353 1 567 7000
• any further communications with us, Email: info@fspo.ie
Website: www.fspo.ie
will influence our acceptance of your insurance,
your premium and the terms and conditions
we apply.
Finance Act 1990
If there is ever any change in this information, or We have paid, or will pay, the appropriate
you are in any doubt about our questions and Stamp Duty to the Revenue Commissioners in
your responses, you must tell us. line with the requirements of the Finance Act
1990.
Failure to meet this duty
If you do not meet this duty carefully and
honestly at all times, you may be faced with: Insurance Act 1936
• a sudden change in cover, premium or We will pay any money due under the policy in
terms, the Republic of Ireland.
• an invalid or cancelled policy, Signed for and on behalf of FBD Insurance plc
• no claim payment or reduced claim
payment,
• difficulty buying insurance again,
• breaking the terms of any relevant loan. Kate Tobin
Further details about your duty of disclosure Chief Underwriting Officer
3
Definitions 1. belonging to you or any members of your
family who are permanently living with
Any word or expression defined below has the you, or
same meaning wherever it appears in the policy
booklet. 2. for which you are legally responsible.
This does not include:

Accidental damage
Sudden and unexpected damage which is 1. property more specifically insured or
caused unintentionally and is not inevitable or unless specifically mentioned,
the result of a pre-existing or gradually operating 2. securities including financial certificates
cause. such as shares and bonds, certificates,
deeds and documents, bills of exchange,
Buildings promissory notes, securities for money,
a. The private home which is built with brick, stamp collections, documents of any
stone or concrete and is roofed with slates, kind, manuscripts, medals and coins,
tiles, concrete, asphalt, metal or sheets
or slabs made from non-combustible 3. motor vehicles (other than ride on
materials (unless noted differently on lawn mowers up to a value of €6,500),
the proposal form and declaration or caravans, trailers, watercraft, hovercraft
statement of fact and declaration and or aircraft (other than models) including
accepted by us). their parts, accessories, tools, fitted
audio or entertainment systems or
b. All domestic outbuildings on the same navigational aids,
premises and used for domestic purposes
and the walls, paths, drives, patios, decking, 4. any part of the private home’s
tennis hard courts, swimming pools, gates, structure, ceilings, timber floors,
fences and hedges around and forming wallpaper or decorations,
part of the private home. 5. property kept or used for any profession,
c. Landlord’s fixtures and fittings in or on the business or employment (other than
private home. home office equipment).
Claim Credit cards

A claim or series of claims arising out of any Credit cards, cheque cards, banker cards and
one cause. cash cards issued to you or any member of your
family.
Contents
Household goods, personal belongings
Endorsement
and valuables within the private home and Changes in the terms of the policy which are
domestic outbuildings at the address stated in noted on the schedule. The wordings of the
the schedule, including money up to a limit of individual endorsements are outlined in your
€650 and home office equipment up to a limit schedule.
of €3,800:
4
Event Personal money
An event which may give rise to a claim under Cash, cheques, money orders, postal
this policy. orders, postage stamps (that are not part
of a collection), savings stamps and savings
Excess certificates, premium bonds, luncheon vouchers,
The first part of a claim which you have to travellers cheques, travel tickets, phone cards
pay for certain claims made under the policy. and gift tokens belonging to you or a member
The excess amounts which apply to you are of your family living with you or held for
outlined in your schedule. charity purposes.
Holiday home Policy

A private house used by you or a member of The contract of insurance between you and
your family for personal purposes as a weekend us. This is based on your completed proposal
or holiday residence. form and declaration or statement of fact and
declaration and includes:
Home office equipment • the schedule,
Office furniture, business computers, fax
machines, photocopiers, typewriters, computer • policy booklet, and
aided design equipment and business telephone
• any endorsements shown on the schedule
equipment.
as being in force.
Loss of a limb Private home
Losing a limb or permanent loss of use of the
The private home used by you or a member of
limb at or above the wrist or ankle.
your family as your primary place of residence.
Period of insurance Proposal form, Statement of fact
The period for which we have accepted your
The information provided by you and
premium and agreed to provide insurance as
declarations made at the time the insurance
stated in the schedule.
was arranged and on which we have relied
when agreeing to offer this contract of insurance
Personal belongings and the terms provided.
Luggage, clothing and other items that belong
to you and that you normally wear or carry Schedule
with you but excluding:
The document which outlines your details,
1. electronic goods such as portable music the property and sums insured, the cover, the
players, mobile phones, computers, or period of insurance and forms a part of the
policy.
handheld computer games,
2. valuables or money, Unfurnished
3. contact or corneal lenses, Where the buildings do not contain furniture,
furnishings and appliances for normal living
4. Items used for any profession, business or purposes.
employment.
5
Unoccupied • All risks cover at and away from the insured
Where the private home is not lived in by you buildings on specified items of jewellery
or a member of your family or household or and personal belongings and unspecified
any other person who has your permission. jewellery and personal belongings and
money,
Valuables • Personal accident,
Items of, or containing, gold, silver or other
precious metal, jewellery (including costume • Liability insurance,
jewellery), furs, paintings, works of art or • Home emergency assistance.
collector items unless the items have been
excluded under contents. The cover which applies to your policy will be
shown in your schedule.
We, us, our, the Company
FBD Insurance plc.
How we will settle
You, your, the insured your claim
The insured named in the schedule including
their legal personal representatives (for example We will do everything we can to ensure any
a person who administers the estate of a claim you have is dealt with quickly and fairly.
deceased person). We use the following principles to settle all valid
home insurance claims.
Your family Buildings – At our option we will rebuild, repair,
Your spouse or partner permanently living with replace or pay an amount in the event of loss
you and your children including adult children or damage to your buildings which is covered
whether they live with you or not. under this policy.
Contents and items insured under other
Your household sections of this policy – At our option we will
You and any person who lives permanently with replace, repair or pay you as follows:
you at your home.
a. We will replace the property with the
closest possible match where it has been
Cover we provide damaged or stolen.
b. The damaged property will be repaired, if
The following covers are available under our
possible.
Home insurance policy.
c. We will pay you the amount of the loss or
• Buildings cover,
damage where repair or replacement is not
• Contents cover, possible.
• Step-back no claim discount protection for d. If we choose to pay you, even where
customers with a no claim discount of 35% replacement or repair is possible, the
or more, payment will reflect any discounts we may
have received had we replaced the property.
• Unspecified sports equipment,
6
New for old cover If we do not receive a final invoice and
satisfactory confirmation that the works have
Buildings
been completed according to the scope and
Apart from the exception noted below, we will cost agreed, within the agreed time period,
settle your valid claim without taking off an we will close the claim file. The claim will
amount for wear and tear or loss in value if: then be viewed as having been settled in full.
a. the sum insured represents
Exception
• the full cost of rebuilding your buildings We will make a deduction for wear, tear and
in the same size and condition as new, loss in value to surface finished timber floors
plus over five years old.
• the costs of removing debris after a loss, Contents
professional fees and any additional
Apart from the exceptions noted below we
costs necessary to meet current building
will settle your valid contents claim without
regulations, deducting for wear, tear or loss in value if:
b. the buildings have been kept in good 1. the sum insured represents their full value
repair, as new at the time of the loss, and
c. the rebuilding or repair work is carried 2. you have kept them in good repair.
out without undue delay and completed
according to the scope and cost agreed by
us. Exceptions
We will make a deduction for wear, tear and
loss in value for:
Retention
In the case of buildings, we may hold back • clothing and household linen,
a percentage of the agreed claim amount • television sets, audio, video and computer
until the rebuilding or repair work has been equipment, gaming consoles and ancillary
completed. The amount retained is 10% of equipment including CDs, DVDs, records,
the claim settlement amount, if the claim
tapes and software over three years old,
settlement amount is €40,000 or more. We
will pay this amount once satisfied that the • floor covering over five years old,
works have been completed according to the
• any item lost or damaged beyond
scope and cost agreed and a final invoice is
submitted. economic repair which is not replaced.
We will provide a reasonable time period

for completion of the rebuilding or repair
works and receipt of the final invoice. This
will be outlined in writing and is usually three
months. We will send you a reminder before
this time period expires. An extension of
this time period will be considered in certain
circumstances.
7
Damage to flooring Maximum amounts we will pay
We will only pay for the cost of repairing or under this policy
replacing the damaged part of the flooring or The most we will pay for loss or damage to
floor covering. buildings and or contents is limited to their
sums insured as shown on the schedule.
If it is not possible to match the undamaged
area we will pay the cost to replace the flooring We will pay any amounts due under the
or floor covering in the room or area where the “Additional benefits” sections to buildings and
damage occurred. We will not pay to replace contents up to the limits shown under each
undamaged floor covering in adjoining rooms benefit.
or areas.
The maximum we will pay for:
Matching pairs or sets or suites • Any one valuable is 5% of the contents
We will only pay for the cost of an individual sum insured. This limit will not apply if
damaged item even if it forms part of a pair the item is specifically described with a
or set or part of a suite of furniture or sanitary separate sum insured on the schedule.
ware, or forms part of a common design.
• All valuables is 20% of the contents
We will not pay for the undamaged companion sum insured. This limit will not apply if the
pieces or the full value of the pair or set or suite combined total of valuable items exceeds
as a unit. 20% of the contents sum insured and
they are specifically described on the
Underinsurance schedule.
You are underinsured if the full cost of rebuilding • Personal money under contents is €650.
the buildings plus the cost of removing debris
after a loss, professional fees and any additional • Home office equipment is €3,800.
costs necessary to meet current building • Ride on lawnmowers is €6,500.
regulations or the cost of replacing the contents
at the time of loss or damage, is more than the
sums insured as noted in your schedule.
Inflation protection
If you are underinsured, the Condition of
Average will apply as outlined under Condition 1 We may adjust the buildings and contents
of the general conditions of the policy. sums insured shown in the schedule in line
with suitable indexes like the building cost index
Reinstatement of sums insured after issued by the Department of the Environment.
a loss We do this to help protect you against inflation.
Inflation protection or index linking works in the
When we pay a claim we will not reduce the following way.
sum insured of any item by the amount of the
claim. • If the index increases your sum insured,
your premium at renewal will be based on
the increased sum insured after the index
linking has been applied.
• If the index falls, your sum insured will
remain at the same level.
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• Inflation protection will not apply to any
monetary limits or to the insurance cover
No claim discount
provided under Sections 2, 3, 4, 5 or 6 of this We will reduce the renewal premium according
policy. to the following scale if no claim is made
or arises under this policy in the period of
You should not rely on this inflation insurance.
protection or index linking alone to keep your
buildings and contents sum insured at the Period of insurance Reduction
correct level. The value of your buildings One year 20%
or contents may be growing faster than
inflation due for example to a new extension Two years 35%
or acquired items. It is a condition of your Three years 40%
policy that you keep sums insured at the Four years 45%
correct level and you should make sure
you understand Condition 1 of the General Five years 50% (maximum)
conditions of the policy. If you have any The no claim discount for your first period of
questions, please feel free to contact us. insurance is calculated based on the claims
history you have declared to us. The maximum
Excess no claim discount is 50%.
You are responsible to pay the first part of You will not lose your no claim discount for
certain claims under the policy. The excess claims for jury service or under Section 6 –
amounts which apply to you will be noted in Home emergency assistance.
your schedule. Higher excess amounts will
apply for subsidence, landslip, ground heave and Step-back no claim discount
water damage claims arising from storm, flood,
escape of water or accidental damage. protection
To help protect your valuable no claim discount
It may be possible to increase the amount of we provide Step-back no claim discount
your excess to avail of a premium reduction. protection as standard when the level of no
This would result in the excess amounts being claim discount is 35% or more.
increased by a set amount each. The level
of excess you accept will be noted in your With Step-back no claim discount protection
schedule. your no claim discount will not be lost as a
result of a single claim but will be reduced as
Your excess relates to claims made under follows:
Sections 1A –Buildings cover and Section 1B –
Contents cover including accidental damage • 50% will step back to 35%
on contents claims. If an excess applies to • 45% will step back to 35%
claims under other sections this will be noted by
endorsement in your schedule. • 40% will step back to 20%
• 35% will step back to 20%
If you have more than one claim in the same
period of insurance you will lose your entire
no claim discount.
9
General exceptions of We define an act of terrorism as an act or
threat of force or violence by any person or
the policy group, whether acting alone or on behalf of
or in connection with any organisation or
We will not pay for the following. government committed for political, religious,
ideological, ethnic or similar purpose to
1. Radioactive contamination influence any government or to place the public,
Any loss, damage, cost, expense, liability or any section of the public, in fear.
or injury directly or indirectly caused by,
contributed to or arising from: B. Biological or chemical contamination,
missiles, bombs, grenades or explosives due to
a. ionising radiations or contamination by any act of terrorism.
radioactivity from any irradiated nuclear
We define contamination as contamination,
fuel or from any nuclear waste from the
poisoning or preventing or limiting the use
combustion of nuclear fuel,
of objects due to the effects of chemical or
b. the radioactive, toxic, explosive or other biological materials.
hazardous or contaminating properties of If we allege that, by reason of this general
any nuclear installation, reactor, or other exception, any loss, damage, cost or expense is
nuclear assembly or nuclear component not covered by this policy the burden of proving
thereof, the contrary shall be on you. In the event that
c. any weapon or tool using atomic or nuclear any part of this general exception is found to
fission or fusion or other similar reaction or be invalid or unenforceable, the remainder shall
radioactive force or material, remain in full force and effect.
d. any radioactive, toxic, explosive or other 4. Cyber risks

dangerous or contaminating properties of Any loss, damage, cost, expense, liability or
any radioactive material. injury from the loss of, or damage to, or a
change in, or a reduction in the ability to work,
2. War availability or operation of:
Any loss, damage, cost, expense, liability or
1. a computer system,
injury caused as a consequence of war, invasion,
act of foreign enemy, hostilities (whether war be 2. hardware,
declared or not), civil war, rebellion, revolution,
insurrection or military or usurped power. 3. program,
4. software,
3. Terrorism
5. data,
Any loss, damage, cost, expense, liability
or injury directly or indirectly caused by, 6. information repository,
contributed to or arising from:
7. microchip,
A. An act of terrorism, regardless of any other
8. integrated circuit or similar device in
cause or event contributing to a loss, including
any action taken to control, prevent or suppress computer equipment or non-computer
or in any way relating to an act of terrorism. equipment,
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caused by or resulting from the malicious or 9. Deception
negligent transfer, electronic or otherwise, of a Any loss or damage to any property where the
computer program that contains a malicious or property was obtained by any person using
damaging code. any form of payment which is found to be fake,
A damaging code can include but is not limited fraudulent, invalid, uncollectable, irrecoverable
to: or irredeemable for any reason.
• computer virus, 10. Losses caused by works being
• logic bomb, carried out
• trojan horse, or Any loss, damage, cost, expense, liability or
injury arising directly in connection with any
• a deletion, corruption or defamation of the works of construction, reconstruction, structural
original structure. alterations, demolition or extensions to the
private home and domestic outbuildings.
5. Wear and tear, loss in value or
gradually operating cause 11. Sonic bangs
Any loss or damage arising from wear, tear, rust Any loss, damage, cost, expense, liability or
or corrosion, gradual loss in value or anything injury which arises directly or indirectly from
happening gradually, including damage pressure waves caused by aircraft or other
caused by gradual water damage from faulty devices travelling at sonic or supersonic speeds.
seals or grouting, the upkeep costs or normal
decoration, mildew, rising damp, dry or wet rot,
moth, vermin, insects, atmospheric or weather
conditions.
6. Confiscation
Any loss or damage due to confiscation, seizure
or destruction by order of any government,
public or local authority or any party with a
financial interest in the insured property.
7. Deliberate or existing damage

Any loss or damage caused on purpose by a
member of your family or household or arising
prior to the first period of insurance.
8. Faulty workmanship, design or

materials
Any loss or damage caused by faulty
workmanship or design, or the use of faulty
materials, or loss or damage resulting from
them.
11
General conditions of Insurers will only pay the part of the loss which
the sum insured bears to the full value of the
the policy insured item. For example, if the full value of
You or any other person claiming under this an insured building is €200,000 and the sum
policy must comply with the following general insured is €150,000 then insurers would pay
policy conditions to avail of the full protection only 75% of any loss or damage.
provided by the policy. If you or any other
person claiming under this policy does not 2. Your duty
comply with them, we may cancel the policy A. You must answer all our questions honestly
or refuse to deal with your claim or reduce the and with reasonable care. The information
amount of any claim payment. provided in your proposal form or statement
of fact and any further renewal applications or
1. You must keep your sums communications with us must be true, accurate
and complete.
insured at the correct level
You must at all times keep your sums insured Our questions and your responses will
at a level that is the full value of your buildings influence our acceptance of your insurance,
and contents. The buildings sum insured must our calculation of your premium and the terms
also include the costs of removing debris after a and conditions we apply. If you are ever in any
loss, professional fees and any additional costs doubt about our questions and your responses,
necessary to meet current building regulations. you must tell us.
The full value on buildings means the estimated B. You must tell us about any change in
cost of rebuilding the buildings if they were information as recorded in your schedule and
completely destroyed. completed insurance application documents,
after the policy has started.
The full value on contents means their current
replacement cost as new. Cover for any change in risk will only apply after
it has been advised to us and if we have agreed
Condition of Average to cover it. We will then let you know of any
This policy is subject to a condition called change in your premium or policy terms.
Average. This means that you need to insure the For full details about the covers and information
full value of the buildings and contents and you must keep up to date, you must check any
that claims settlements may be reduced if the documents or communications we send to you.
sums insured, at the time of any loss or damage,
are less than the full value. C. You must observe and fulfil the terms,
provisions, conditions and endorsements of
If a sum insured, as noted on the schedule, the policy where they relate to anything to be
is less than the full value of the buildings or done or complied with by you.
contents at the time loss or damage occurs,
then the insured person shall be responsible for If you do not meet these requirements carefully
a part of their loss. and honestly at all times, we may give you a
reduced claim payment or no claim payment.
We may also treat the whole policy or a section
of it as cancelled or not having existed.
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3. Other insurance or your policy will be cancelled in accordence with
the cancellation condition. This will apply even if
compensation fund you have already paid one or more instalments.
If at the time any claim arises under this policy
there is any other insurance covering the same 6. Cancellation of the policy
loss, damage or liability, we will only pay our
A. We may cancel this policy in line with our
proportional share of any loss, damage, cost or
Terms of Business by sending you seven days’
expense.
notice in writing to your last known address.
If at the time any claim arises under this policy
B. You may cancel this policy in line with
there is a compensation fund covering the same
our Terms of Business by sending us written
liability or the same property lost or damaged,
cancellation instructions.
we shall not be liable to make any payment
under this policy. We will return the premium you paid for the
period of insurance left to run, if:
4. Take care of your property • You cancel the policy within the cooling off
You must take all reasonable steps to: period, or
1. avoid injury, loss or damage, • We cancel the policy.
2. safeguard all insured property from loss or If you cancel outside the cooling off period, as
damage. long as no claim has been made or is pending,
You must keep the property in good repair. In we will return the premium for the period of
particular you must ensure that all locks on insurance left to run (less any cancellation
outside doors and windows are working and in charge), in line with the Terms of Business.
use. In addition any alarms must be properly
maintained and used correctly if we have 7. Disputes between you and us
allowed a discount on your premium for them Any dispute relating to a claim between you
or they are a condition of cover. and us under this policy must be referred to
arbitration. The appointment of the arbitrator
5.Pay the premium and keep your will be by agreement between you and us. If
we cannot agree, an arbitrator will be appointed
payments up to date by the authorised body identified in the current
You must pay all amounts due in the period of arbitration legislation. If the disputed claim is
insurance on time and in full. If you do not you not referred to arbitration within 12 months of
will not be covered. your claim being turned down, we will treat the
A. Annual payments: The amount must be paid claim as abandoned.
in full and the payment cleared by us.
B. Direct debit payments: If the premium is
8. Fraudulent claims
paid by instalments, these will be collected on If you or any person entitled to cover under this
the cover start date selected by you and on the policy makes a claim knowing it to be false or
same day of each of the subsequent instalment fraudulent in any way, or if damage is caused
months. by any deliberate act or with your consent or
involvement or the involvement of anyone
If you do not pay an instalment or if you acting on your behalf, then all cover under the
request your bank to refund an instalment, policy will be forfeited.
13
Claims conditions D. You must immediately advise An Garda
Síochána or other relevant police authority
You or any other person claiming under this about any incident of stealing, attempted
policy must comply with the following claims stealing, deliberate or malicious damage
conditions in order to avail of the cover provided or vandalism or loss by malicious persons.
by the policy. You must not act fraudulently You must also permit them to give us any
and must assist us to exercise our rights. information and help which we may be entitled
to.
If you or anyone else claiming under the policy
does not comply with these conditions or does E. You must:
not assist us, we may at our option cancel the
1. notify us as soon as you become aware
policy or refuse to deal with your claim or
of any possible prosecution or inquest in
reduce the amount of any claim settlement.
connection with any event, and
1. Your obligations 2. send us immediately on receipt and
A. You must immediately let us know on 1890 without answering it, every letter,
617 617 of any event which may lead to a claim claim, legal proceedings and every
under this policy regardless of whether or not a correspondence, communication or notice
claim will be made. from the Injuries Board, formerly known
B. Within 30 days after an event, or within any as the Personal Injuries Assessment Board
further time period as we may allow in writing, (PIAB).
you must give us at your own expense:
2. Our rights in the event of a
• Details in writing of the property or parts
of it that have been damaged or destroyed. claim or recovery
This must be as accurate as is reasonably A. To salvage
possible. Without accepting any responsibility or limiting
• An estimate of the amount of destruction or our right to rely upon any condition of this
damage taking into account the value of the policy, we will have the right to enter, take or
property at the time of the loss. keep possession of:
• Details of any other insurance cover on the 1. The building where the loss or damage has
property or liability insured by this policy. happened; and
• Receipts, invoices and any further proof of 2. Any of the property insured and to ask for
your claim as we may reasonably require it to be provided to us. We will deal with
together with (if requested) a declaration such property for all reasonable purposes
of the truth of the claim and of any matter and in a reasonable manner.
related to it. You may not abandon any property to us for us
C. You must not go ahead with any repairs to deal with.
(other than emergency repairs to limit damage)
without our approval. Where emergency repairs B. To defend or settle legal action
are carried out you must retain any damaged We can take over and manage proceedings in
property for our inspection. your name, or in the name of any other person
14
insured under this policy. This may be to defend,
settle or prosecute, for our own benefit, any
claim for insurance cover or damages.
C. To take legal action to recover

payment
We can take proceedings in your name, or in
the name of any other person insured under the
policy to recover any payment we have made
under the policy, for our own benefit and at
our own expense.
D. To your co-operation
We can decide how any proceedings and claim
settlements are handled. You, or any other
person insured under the policy, must give all
information and help which we require.
15
Cover
Section 1A – Buildings cover
At our option we will rebuild, repair, replace or pay an amount in the event of loss or damage to
your buildings arising from the insured risks outlined under items 1 to 13 below. Any cover provided
will be subject to the terms, conditions, limitations and exclusions of this policy.
What is covered What is not covered

1. Fire, explosion, lightning, • The excess.
thunderbolt, earthquake.
2. Smoke. • The excess.
• Loss or damage caused by smog, agricultural
or industrial work or by anything that
happens gradually.
3. Aircraft and other aerial devices for • The excess.
example satellites or articles dropped
from them.
4. Riot, civil commotion, strikes, • The excess.
labour disturbances, malicious • Loss or damage to boundary walls, paths,
persons or vandalism. drives, patios, decking, tennis hard courts,
swimming pools, gates, fences and hedges
around and forming part of the private
home.
• Loss or damage by any person lawfully in the
buildings.
• Loss or damage occurring while the private
home is unfurnished or unoccupied for
more than 45 consecutive days immediately
prior to the loss or damage or 90 days
whether consecutive or not in any one
period of insurance.
16
5. Theft or attempted theft. • The excess.
• Loss or damage by any person lawfully in the
buildings.
• Loss or damage where the buildings or any
part of it is lent, let or sublet, unless force and
violence has been used to get into or out of
the building.
6. Storm, flood. • The excess.
• Loss or damage caused by frost, subsidence
or landslip.
• Loss or damage to fences, gates and hedges.
• Loss or damage to roofs built with torch-on
felt more than 10 years old or other felt more
than five years old.
• Loss or damage by anything that happens
gradually.
7. Breaking or falling of television and • The excess.
radio aerials, satellite dishes, aerial • Loss or damage to the aerial, satellite dish or
fittings and masts. mast itself and any fittings attached to it.
17
8. Escape of water from any fixed • The excess.
water or heating installation or • Loss or damage to any part or appliance
domestic appliance. from which the water leaked caused by wear,
tear or gradual deterioration.
• Loss or damage caused by water leaking
from shower units and baths through faulty
seals and grouting.
• Loss or damage caused by subsidence,
ground heave, landslip, wet or dry rot.
9. Leaking of oil from any fixed oil • The excess.
installation. • Loss or damage to any part or appliance
from which the oil leaked caused by wear,
tear or gradual deterioration.
• If you hire an environmental remediation
expert or contractor without our prior
agreement we will not cover any loss or
damage caused by leaking of oil or pollution.
We have the right at all times to appoint
a suitable expert or contractor of our own
choice.
10. Impact with the building by any • The excess.
road vehicle or animal. • Loss or damage caused by any domestic pets
owned by or under the control of you or a
member of your family.
18
11. Falling trees or parts of trees. • The excess.
• Loss or damage caused by the felling or
lopping of trees carried out by you or on
your behalf.
• Loss of or damage to fences, gates and
hedges.
12. Subsidence, landslip or ground • The excess.
heave. • Loss or damage caused by coastal, river or
lake erosion.
• Damage by bedding down of any buildings
or the settlement of made-up ground or
landfilled sites.
• Loss or damage if you know that any of
the property on the site has already been
damaged by land movement and you have
not told us about it.
• Loss or damage arising from faulty
workmanship, faulty design, the use of faulty
materials or inadequate drains, drainage
systems or inadequate foundations.
• Damage arising from the movement of solid
floors or floor slabs unless the foundation
of the outside walls is damaged at the same
time and by the same cause.
• Loss or damage arising from structural
alterations, demolition, repairs or extensions
to buildings.
• Loss or damage to swimming pools, terraces,
patios, decking, drives, footpaths, walls,
gates or fences, drainage pipes, waste pipes
and sewers unless the private home is also
damaged at the same time.
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13. Accidental damage cover to the • The excess.
building of the private home. • Loss or damage occurring while the private
• Loss or damage while any part of the private
home is lent, let or sublet.
• Loss or damage caused by wear and tear
or gradual deterioration, domestic pets,
insects, vermin, corrosion, mildew, fungus,
atmospheric conditions, the action of light,
any process of heating, drying, cleaning,
decorating, alteration or repair, misuse,
electrical or mechanical breakdown.
• Loss or damage caused by or resulting from
faulty workmanship or design, the use of
faulty materials, or loss or damage resulting
from them.
• Loss or damage caused by scratching,
scraping or denting.
• Loss or damage arising from structural
alterations, demolition, repairs or extensions
to the buildings.
• Loss or damage which comes within the
terms of any exclusion or limitation set out
in this policy including but not limited to
the insured risks outlined under items 1 to 12
under this section - 1A.
20
Section 1A – Additional benefits – buildings
We will provide the following benefits as standard under your buildings cover. You will not be asked
to pay your excess for claims arising solely under the following headings.

14. Debris removal, architect • Any costs which we have not agreed to in writing.
fees, building regulations. • Any costs or fees incurred in preparing any claim
Where there has been loss or damage under this policy.
which is covered under items 1 to 13 of
Section 1A of this policy, we will also • Any costs in complying with any building or other
pay for the necessary and reasonable regulations for which a notice was received before the
costs: loss or damage occurred.
a. to demolish, dismantle, remove
debris and or shore up the buildings,
b. for architects, surveyors and legal
fees which we have agreed are
necessary to reinstate the buildings,
c. to comply with any government,
local authority, building or other
regulation but only as far as they apply
to the damaged parts of the buildings.
The most we will pay under this
heading “Debris removal, architect fees,
building regulations” is 20% of the sum
insured on buildings.
15. Underground pipes and • Loss or damage occurring more than 15 metres from
cables. the private home.
We will pay for the accidental
damage to underground pipes and
cables extending from the private
home to the public mains and for
which you are legally responsible.
21
16. Accidental breakage • Loss or damage occurring while the private home
of fixed glass and sanitary is unfurnished or unoccupied for more than 45
fittings. consecutive days immediately prior to the loss or
We will pay for the accidental breakage damage or 90 days whether consecutive or not in any
of: one period of insurance.
a. fixed glass in windows, doors,
fanlights,
b. fixed washbasins, pedestals, baths,
sinks, splash backs, shower trays,
bidets, lavatory pans, cisterns and
similar sanitary fixtures.
17. Alternative • Additional expenses which arise from the rebuilding
accommodation. work being unreasonably delayed by you or any
If the private home cannot be lived in person acting on your behalf.
because of loss or damage by any of • Additional expenses arising where the private home
the insured risks covered under items is not being used as your primary place of residence.
1 to 13 of Section 1A of this policy, we
will pay for the reasonable additional
expenses you necessarily incur for
similar alternative accommodation for
you and members of your family.
The most we will pay under this
heading “Alternative accommodation”
is 15% of the buildings sum insured.
18. Trace and access. • Loss or damage to any part or appliance from which
We will pay up to €650 for the the water or oil leaked.
necessary removal or replacement • Loss or damage occurring while the private home
of any part of the buildings to repair is unfurnished or unoccupied for more than 45
any fixed household water or heating consecutive days immediately prior to the loss or
installation which has caused an escape damage or 90 days whether consecutive or not in any
of water or oil. one period of insurance.
• Loss or damage arising while any works of repair,
reconstruction or replacement are being carried out.
22
19.Purchaser’s interest.
If you are selling the private home,
the buyer or contracting purchaser will
have the benefit of the cover under
Section 1A – Buildings, up to the date of
the completion of the sale. This will not
apply if the buildings are insured under
another policy.
20. Fire brigade charges.
We will pay fire brigade charges up
to €2,000 for dealing with any loss
or damage to buildings caused by an
insured risk described under the insured
risks outlined under items 1 to 13 of
Section 1A.
21. 24 Hours “Find a We provide this helpline to assist you but cannot be
tradesperson” helpline. responsible for any expenses (other than those expenses
Our “Find a tradesperson” helpline covered under your policy), indirect loss or legal liability
service is a 24 hours, 365 days a year for any loss or damage to any property or persons, arising
service. We will connect you to our from, providing or a delay or any omission in providing
approved network of tradespersons these services.
including plumbers, electricians,
glaziers, locksmiths or roofers to help
you in an emergency. This service can
be contacted on 1890 478 478.
You are responsible for all costs,
expenses or fees which arise from the
use of this helpline. However, if the
cost is covered by this home insurance
policy, we will repay the cost as part of
a claim settlement.
22. Clean-up expenses. • Expenses incurred in cleaning up landscape.
We will pay up to €1,300 for expenses • Loss or damage which occurs while the private
which are necessary and reasonably home is unfurnished or unoccupied for more than
incurred in cleaning up following the 45 consecutive days immediately prior to the loss or
escape of oil from any fixed domestic damage or 90 days whether consecutive or not in any
installation. one period of insurance.
• Expenses for which a claim is made elsewhere under
this or any other insurance policy.
23
23. Property owner’s liability. 1. Liability accepted under contract which would not exist
We will provide you with cover for only for the contract.
amounts you legally have to pay in 2. Liability directly or indirectly caused by pollution or
your capacity as owner of the private contamination of buildings, structures, water, land or
home described in the schedule for: atmosphere unless it is caused by:
1. Accidental death or bodily injury or a. a sudden unexpected act which can be identified,
illness to any person other than
b. oil leaking from a domestic installation.
a. a member of your family or
household, Where liability cover is provided for pollution and
contamination the most we will pay for any one event is
b. your employees or employees of a €130,000 inclusive of all legal costs, fees and expenses.
member of your family or household.
3. Liability arising in connection with the ownership,
2. Accidental damage to property not possession or occupation of any other land, buildings or
belonging to or in the charge of or structures other than the private home specified in the
under the control of: schedule.
a. you, 4. Injury or damage arising out of or related to any
b. any member of your family or profession, trade or business other than:
household, a. the provision of a child minding service in the private
c. your employees or employees of a home for up to three children,
member of your family or household. b. the letting of accommodation for up to two paying
We will also pay for legal costs, fees guests.
and expenses recoverable by any 5. Injury or damage arising out of the use of mechanically
person making a claim against you or electrically propelled or assisted vehicles, horse drawn
and your costs and expenses for which vehicles or craft, lifts, boats, aircraft, hovercraft, trailers or
we have given our written agreement. caravans owned by or in the custody or control of you or
The most we will pay under this any member of your family or household. This exclusion
heading “Property owner’s liability” shall not apply to:
in respect of any one claim will not a. pedestrian controlled garden tools or ride on
exceed €2,600,000 inclusive of all legal lawnmowers used at the private home described in the
costs, fees and expenses. schedule in situations where cover for liability to others
In the event of your death, we will under the Road Traffic Acts does not apply,
provide cover to your legal personal b. trailers and caravans detached from any vehicle parked
representatives for your liabilities so at the private home in situations where cover for liability
long as they observe, fulfil and are to others under the Road Traffic Acts does not apply.
subject to the terms, exceptions and
conditions of this policy in so far as 6. Bodily injury or illness arising in connection with
they apply. construction, reconstruction, structural alterations or
repair works.
7. Liability arising in connection with tree felling or lopping
operations.
24
Section 1B – Contents cover
At our option we will reinstate, repair, replace or pay an amount in the event of loss or damage to
your contents arising from the insured risks outlined in items 1 to 12 below. Any cover provided is
subject to the terms, conditions, limitations and exclusions of this policy.
The maximum we will pay for loss or damage to contents is limited to the contents sum insured as
shown on the schedule.

1. Fire, explosion, lightning, • The excess.
thunderbolt, earthquake.
2. Smoke. • The excess.
• Loss or damage caused by smog, agricultural or industrial
work or by anything happening gradually.
3. Aircraft and other • The excess.
aerial devices for example
satellites or articles dropped
from them.
4. Riot, civil commotion, • The excess.
strikes, labour disturbances, • Loss or damage by any person lawfully in the buildings.
malicious persons or
vandalism. • Loss or damage occurring while the private home
is unfurnished or unoccupied for more than 45
consecutive days immediately prior to the loss or damage
or 90 days whether consecutive or not in any one period
of insurance.
5. Theft or attempted • The excess.
theft of contents from • Loss or damage by any person lawfully in the buildings.
the private home or the
domestic outbuildings on • Loss or damage occurring while the private home
the same premises and is unfurnished or unoccupied for more than 45
used for domestic purposes. consecutive days immediately prior to the loss or damage
of insurance.
• Loss or damage where the buildings or part of it is lent,
let or sublet unless force and violence is used to get into
or out of the buildings.
25
6. Storm, flood. • The excess.
• Loss or damage caused by frost, subsidence or landslip.
• Loss or damage by anything that happens gradually.
7. Breaking or falling of • The excess.
television and radio aerials, • Loss or damage to the aerial, satellite dish or mast itself
satellite dishes, aerial and any fittings attached to it.
fittings and masts.
8. Escape of water from • The excess.
any fixed water or heating • Loss or damage to any part or appliance from which
installation or domestic the water leaked caused by wear, tear or gradual
appliance. deterioration.
• Loss or damage caused by water leaking from shower
units and baths through faulty seals and grouting.
• Loss or damage caused by subsidence, ground heave,
landslip, wet or dry rot.
• Loss or damage occurring while the private home
of insurance.
9. Leaking of oil from any • The excess.
fixed oil installation. • Loss or damage to any part or appliance from which the
oil leaked caused by wear, tear or gradual deterioration.
• Loss or damage occurring while the private home
of insurance.
• If you hire an environmental remediation expert or
contractor without our prior permission we will not
cover any loss or damage caused by leaking of oil or
pollution. We have the right at all times to appoint a
suitable expert or contractor of our own choice.
26
10. Impact with any of • The excess.
the buildings by any road • Loss or damage caused by any domestic pets owned
vehicle or animal. by you or under your control or owned by or under the
control of a member of your family.
11. Falling trees or parts of • The excess.
trees. • All loss or damage unless the buildings are damaged at
the same time.
12. Subsidence, landslip or • The excess.
ground heave. • All loss or damage unless the buildings are damaged at
the same time.
27
Section 1B – Additional benefits – contents
We will also provide the following benefits as standard under your contents cover. You will not be
asked to pay your excess for claims arising solely under the following headings.

13. Contents temporarily removed. • Loss of personal money.
We will pay for loss or damage to contents caused by • Damage by storm or flood to
the insured risks listed in items 1 to 12 of this Section 1B property not in an enclosed building.
while they are temporarily removed from your private
home and domestic outbuildings to another location in • Theft other than:
Ireland, the United Kingdom or the continent of Europe. a. from a bank,
The most we will pay under this heading “Contents b. from any building where you,
temporarily removed” is 15% of the sum insured on your family or member of your
contents. household are temporarily living.
• Property otherwise insured or
removed for sale or exhibition or to a
furniture store.
14. Employees’ personal belongings. • Loss or damage to personal money
We will pay up to €1,300 for loss or damage caused and or stamps.
by an insured risk to clothing and personal goods of • Loss or damage where such property
your domestic employees while in the private home is insured elsewhere.
described in the schedule.
• Loss or damage occurring while
the private home is unfurnished
or unoccupied for more than 45
consecutive days immediately prior
to the loss or damage or 90 days
whether consecutive or not in any
one period of insurance.
28
15. Entertainment equipment. • Loss or damage occurring while
We will pay up to €2,000 for accidental damage the private home is unfurnished
to television sets, audio, video and home computer or unoccupied for more than 45
equipment while they are in the private home. consecutive days immediately prior
• Loss or damage caused by wear
and tear, electrical or mechanical
breakdown or misuse.
• Loss or damage caused during any
process of cleaning, maintenance,
repair or taking apart.
• Loss or damage to equipment
designed to be portable, including
gaming consoles, while being carried
or moved.
• Loss or damage to records, tapes,
cassettes, discs, software and data
carrying devices.
16. Glass breakage. • Loss or damage occurring while
We will pay up to €1,300 for accidental breakage of the private home is unfurnished
mirrors, fixed glass in furniture and ceramic hobs. or unoccupied for more than 45
• Loss or damage to glass in pictures,
clocks and similar articles and glass
ordinarily carried by hand.
29
17. Door locks replacement. • Loss or damage occurring while
We will pay up to €1,200 for the cost of replacing the private home is unfurnished
external door locks in the private home described in or unoccupied for more than 45
the schedule where the lock’s keys have been stolen consecutive days immediately prior
following a break-in at the private home. to the loss or damage or 90 days
• Loss or damage to locks to all
domestic outbuildings and gates.
18. Unauthorised use of credit cards. • Unauthorised use by a member of
We will pay up to €650 for financial loss incurred by your family or household.
you or any member of your family permanently • Losses where the conditions of the
residing with you arising from the unauthorised use of credit card issued were not complied
personal cheques or any credit, bankers or cash dispenser with.
cards which have been stolen from the private home
described in the schedule. • Losses not reported to the card
provider and An Garda Síochána
within 24 hours of being discovered.
19 Theft of contents in the open. • Loss or damage occurring while
We will pay up to €650 for loss or damage to contents the private home is unfurnished
in the open caused by stealing or attempted stealing or unoccupied for more than 45
while the contents are within the boundary of the site consecutive days immediately prior
on which the private home stands. to the loss or damage or 90 days
20. Loss of central heating oil. • Loss or damage occurring while
We will pay up to €650 for loss of central heating oil the private home is unfurnished
following loss or damage caused by any of the events or unoccupied for more than 45
described by items 1 to 12 of Section 1B – Contents. consecutive days immediately prior
21. Wedding presents. • Loss or damage occurring while
We will increase the sum insured on contents by 20% the private home is unfurnished
for a period of 30 days before and 30 days after the or unoccupied for more than 45
date of the wedding day of you or any member of your consecutive days immediately prior
family to cover wedding presents in the private home to the loss or damage or 90 days
as described in the schedule. whether consecutive or not in any
30
22. Christmas presents. • Loss or damage occurring while
We will increase the sum insured on contents by 20% the private home is unfurnished
for the period from 1 December to 7 January each or unoccupied for more than 45
year to cover Christmas presents in the private home consecutive days immediately prior
described in the schedule. to the loss or damage or 90 days
23. Jury service.
We will pay €25 per day for each day that you or your
spouse attends jury service in any law court in the
Republic of Ireland, provided that we receive written
proof.
The most we will pay under this heading “Jury service”
is €650. You will not lose your no claim discount for a
claim under this heading.
24. Title deeds.
We will pay up to €1,000 for the cost of preparing new
title deeds to the buildings if they are lost or damaged
by any of the events insured by this policy while in the
private home or in a bank for safe-keeping.
25. Death benefit for you and your spouse.
We will pay a benefit up to a maximum amount of
€30,000 in the event of your death and or that of your
spouse occurring in the private home described in the
schedule within three months of outward visible and
violent injury directly caused by:
a. a fire at which a fire brigade attends,
b. burglars or intruders.
26. Tenants’ liability. • Loss or damage occurring while
We will pay up to 10% of the sum insured on contents the private home is unfurnished
for loss or damage to the private home and or or unoccupied for more than 45
landlord’s fixtures and fittings for which you are consecutive days immediately prior
responsible under a written contract caused by the to the loss or damage or 90 days
insured risks under items 1 to 9 of Section 1B – Contents. whether consecutive or not in any
31
27. Fire brigade charges. • Charges where a claim is made
We will pay fire brigade charges up to €2,000 for dealing under item 20 of Section 1A –
with any loss or damage to contents caused by an Buildings of this policy.
insured risk described under the insured risks outlined
under items 1 to 13 of Section 1B.
28. Loss of food in freezer. • Loss, destruction or damage arising
We will pay up to €500 for loss, destruction or damage from a deliberate act by you or any
to food in a freezer caused by a rise or fall in temperature. person acting on your behalf or
your power supply being cut off or
restricted by the electricity supplier.
• Loss or damage occurring while
the private home is unfurnished
or unoccupied for more than 45
32
Section 1B – Optional additional cover –
accidental damage to contents
You can choose to pay more to include accidental damage cover to contents under your policy.
Cover is included under your policy if it is specifically noted in your schedule. If it is not noted then
there is no accidental damage cover on contents.

If you buy this additional cover the • The excess.
insurance in force under Section 1B of
• Damage to glass, earthenware, china items or brittle
this policy will be extended to include
cover for accidental damage to items.
contents while in the private home • Damage arising from wear and tear, gradual
as described in the schedule. deterioration, action of light or weather (other than
We define accidental damage as storm), moths, vermin or any process of cleaning,
sudden and unexpected damage repairing, dyeing or restoring or mechanical or
which is caused unintentionally and is electrical defect.
not unavoidable or the result of a pre- • Damage or corruption of data or programs.
existing or gradually operating cause.
• Chewing, scratching, tearing or fouling by pets.
• Loss or damage which comes within the terms of any
exclusion or limitation set out in this policy including
but not limited to items 1 to 12.
• Damage to:
a. jewellery,
b. watches,
c. furs,
d. musical instruments,
e. cameras, camcorders,
f. contact lenses, spectacles, hearing aids,
g. mobile phones,
h. sporting guns,
i. food, drink or plants.
33
Section 2 – Sports equipment
Sports equipment is included under your policy if it is specifically noted in your schedule. If it is not
noted then there is no cover under this section.
The policy excess will not apply to any claim made under this section unless an excess is specifically
referred to in your schedule. In the event of a claim you must provide us with satisfactory evidence
that you owned the missing item, of its value and details surrounding its loss.

At our option we will reinstate, repair, replace or A. Loss or damage due to theft or attempted
pay an amount in the event of loss or damage theft in which you or any member of your
to sports equipment, which happens during the family or household is involved.
period of insurance:
B. Loss or damage by confiscation, destruction,
a. in Ireland or anywhere within the continent of seizure or detention by customs or other officials
Europe, or authorities.
b. for up to 60 days in the rest of the world. C. Breakage of glass or items of a brittle nature
(other than jewellery).
We will provide cover on unspecified items of
sports equipment up to the sum insured noted D. Loss or damage arising from moth, mildew,
in the schedule but no more than €1,500 for wear and tear, loss in value, mechanical or
any one item or set of items. electrical breakdown, inherent defect, faulty
workmanship, faulty design or the use of faulty
We will only provide cover on the following
materials, anything that happens gradually or
sports equipment under this section:
from the actual process of cleaning, dyeing,
• Angling equipment including rods, reels and restoring or altering of any items.
other angling tackle. E. Tackle used for tunny or shark fishing or fishing
• Bowls and bowling cases. for profit.
• Golf clubs, golf bags, caddie cars and other F. Any cricket bat or racquet which is more than
equipment used to play golf and your two years old at the time any loss or damage
personal belongings while in any golf occurs.
clubhouse. G. Rust or defects in lock mechanism on
• Sporting guns and gun cases carried or used sporting guns.
for the purpose of sport. H. Breakage of strings in tennis or badminton
• Tennis and badminton racquets and holdalls. racquets.
34
Section 3 – All risks cover for items carried
outside your home
All risks cover is included under your policy if it is specifically noted in your schedule. If it is not
noted then there is no cover under this section.
The policy excess will not apply to any claim made under this section unless one is specifically
referred to in your schedule. In the event of a claim you must provide us with satisfactory evidence
that you owned the missing item, of its value and details surrounding its loss.

At our option we will reinstate, repair, replace or A. Loss or damage due to theft or attempted
pay an amount in the event of loss or damage to theft in which you or any member of your
the items noted in the schedule, which happens family or household is involved.
during the period of insurance:
B. Loss or damage by confiscation, destruction,
a. in Ireland or anywhere within the continent of seizure or detention by customs or other
Europe, officials or authorities.
b. for up to 60 days in the rest of the world. C. Breakage of glass or items of a brittle nature
(other than jewellery).
You can choose cover for the items numbered
below and if cover applies the items will be noted D. Damage caused by over winding, denting,
in your schedule. or internal damage to watches or clocks (other
than damage caused by fire or thieves).
Item 1 – Unspecified items of jewellery.
We will pay up to the sum insured noted in the E. Loss or damage arising from moth, mildew,
schedule but no more than €1,500 for any one wear and tear, loss in value, mechanical or
item of unspecified jewellery. electrical breakdown, inherent defect, faulty
workmanship, faulty design or the use of faulty
Item 2 – Personal belongings.
materials, anything that happens gradually or
We will pay up to the sum insured noted in the
from the actual process of cleaning, dyeing,
schedule but no more than €1,500 for any one
restoring or altering of any items.
item of unspecified personal belongings.
F. Any item more specifically insured or any
Item 3 – Personal money.
amount that you cannot recover from a more
We will pay up to the sum insured noted in the
specific insurance policy because the insurer
schedule for loss of personal money within the
refuses or reduces a claim.
continent of Europe which happens during the
period of insurance. G. Stealing from any unattended motor
vehicle unless from a vehicle glove
Item 4 – Specified items.
compartment or locked boot.
We will pay up to the sum insured for each
specified item described in the schedule.
Categories of specified items can include jewellery, personal belongings, musical instruments,
medical aids (excluding hearing aids), bicycles, hearing aids or electrical equipment including laptops,
phones and cameras.
Depending on the category of specified items insured, additional endorsements may apply to your
policy and if so they will be noted by endorsement in your schedule.
35
Section 4A and 4B – Personal accident
Personal accident cover is included under your policy if it is specifically noted in your schedule. If it
is not noted then there is no cover under this section.
4A – Named persons
We will pay any person insured under this section, or in the event of their death, their legal personal
representatives, a benefit, if they are injured solely and directly due to accidental visible violent and
external means. Once this leads to one of the events listed below within 12 months of the injury, we
will pay the benefit amounts shown below, relevant to Section 4A, for each unit of cover you buy.
Your schedule will note the names of those insured under this section.
4B – Family travel
We will pay you a benefit, or in the event of your death, your legal personal representatives, if you
or any member of your family is injured solely and directly due to accidental visible violent and
external means while in, on or getting into or out of:
a. any road vehicle (other than mopeds, motor cycles or motor scooters) as driver or passenger in
a private capacity,
b. any railway train,
c. any aircraft operated by a licensed operator or charterer,
d. any passenger ship or ferry, hovercraft, hydrofoil or air cushion vehicle as a passenger in a
private capacity.
Once this leads to one of the events listed below within 12 months of the injury, we will pay the
benefit amounts shown below, relevant to Section 4B for each unit of cover you buy.
4A Named 4B Family travel

Item Injury
persons 18 and over Under 18
1 Death (or) €2,000 €2,000 €130
2 Total loss of one or both hands (or) €2,000 €2,000 €2,000
3 Total loss of one or both feet (or) €2,000 €2,000 €2,000
Total and permanent loss of all sight in
4 €2,000 €2,000 €2,000
one or both eyes (or)
Total inability to attend to any
5 €2,000 €2,000 €2,000
occupation or profession
Temporary total inability to attend €13 per week €13 per week
6 to or engage in your profession or after first week of after first week Nil
occupation disability of disability
Temporary partial inability to attend €7 per week after
7 to or engage in your profession or first week of Nil Nil
occupation disability
The amount of cover you have will be noted in your schedule.
36
Medical expenses
Where we are paying weekly benefit for any claim under this policy, we will also pay up to 15 per
cent of the weekly benefit amount, towards the medical expenses incurred by the insured person
which arise from the same accident.
Limitations on the cover provided

1. The benefit under items 6 and 7 will be paid:
a. when the total amount has been calculated and agreed,
b. only if the bodily injury requires treatment by, and any period of disablement is certified by
a medical doctor,
c. for no more than 104 weeks after the first week of disablement, as certified by a fully
qualified medical doctor, for any one accident.
2. We will only pay a claim under one of the benefits noted under items 1 to 6 in respect of the
same bodily injury. Any amount paid under items 1 to 5 shall be reduced by the amount of any
benefits we have already paid under items 6 to 7 for the same bodily injury.
3. Once we have paid a claim for bodily injury to a person under items 1 to 5 we will not pay any
further amount in respect of that person under Section 4A and or 4B of this policy.
Geographical limits
1. The Republic of Ireland, and
2. for the purposes of travel only, the remainder of Europe, the United States of America, Canada,
Australia and New Zealand.
Special conditions and exceptions

1. Exclusions to cover
We shall not pay a claim under this section in respect of bodily injury whether fatal or non-fatal,
directly or indirectly caused by or resulting from:
a. The insured person taking part in military, air force or naval service operations or while at sea
as an officer or member of the crew of a merchant vessel.
b. Intentional self-injury, suicide or attempted suicide, provoked assault, fighting (except in
genuine self-defence) or deliberate exposure to exceptional danger (except in an attempt to
save human life), disease or natural causes.
c. Any accident happening when any insured person is insane or is under the influence of drink
or drugs.
37
d. Any accident happening while the insured person is taking part in aeronautics and or
aviation of any description or resulting from being in on or getting into or out of any aircraft
(other than as a passenger in a standard type aircraft operated by a recognised air charter
company) or while taking part in any speed or duration test of any kind. “Aircraft” shall
include any vessel, craft, or thing made or intended to float in or travel through the air.
e. Medical or surgical treatment (except where such treatment is made necessary by bodily
injury caused by an accident covered under this section), childbirth or pregnancy.
f. The insured person engaging in football (of any kind), hurling, hunting, motor-cycling
(whether as driver or passenger), mountaineering, winter sports, polo, racing of any kind
(other than on foot) or using a circular saw unless otherwise agreed in writing by us.
2. Our rights in the event of a claim

We will not pay a claim under this section unless:
a. a person we appoint is allowed to undertake a medical or surgical examination of the insured
person when the alleged injury occurs, and
b. a person we appoint is allowed to examine the insured person as often as we may require, and
c. we can in the event of death undertake any necessary post mortem examination of the
deceased for the purpose of finding out the extent of the alleged injuries and disability or the
true cause of death, and
d. we are provided with prior notice of any surgical examination of the body, requested by
the deceased’s representative, to allow us have our own medical officer present at the
examination.
3. Your obligation to advise us of a change in occupation

You must immediately notify us in writing if any person availing of cover under this section changes
their occupation to one which increases the risk of injury above that last declared to us. If you are in
any doubt as to whether an occupation increases the risk of injury, you should contact us.
We will only be responsible to pay for any bodily injury arising out of or in the course of the new
profession, business or occupation if we have agreed and noted the change by endorsement to the
policy.
4. Your obligation to provide all necessary information

Any insured person or their legal personal representatives will at their expense provide all certificates,
information and evidence as we may reasonably require. We will not pay a claim under this section
unless you or any insured person or their legal personal representatives have complied with the
terms of this condition.
5. Refunding benefits that are not due

If we pay a claim for accidental death of an insured person and it is later found that death has not
occurred, the amount paid shall be refunded to us.
38
Section 5 – Liability protection
5A – Liability to domestic employees
We will provide you with 1. Liability accepted under contract which would not exist only
cover for amounts you for the contract.
legally have to pay for death
or bodily injury or disease 2. Death or bodily injury or disease to any member of your
happening during the family or household.
period of insurance to any 3. Accidents involving any independent contractor, consultant or
domestic employee, child- their employees.
minder, carer, home help,
gardener, painter, decorator 4. Liability arising in connection with the ownership, possession
or any person carrying out or occupation of any other land, buildings or structures other
repairs while in the course than the private home described in the schedule.
of their employment by 5. Injury or damage arising out of or related to any profession,
you relating to the private trade or business other than:
home.
a. the provision of a child minding service in the private
We will also pay for any legal
home for up to three children,
costs, fees and expenses
recoverable by any person b. the letting of accommodation for up to two paying guests.
making a claim against you
and any costs you incur with 6. Injury or damage arising out of the use of mechanically or
our prior written consent. electrically propelled or assisted vehicles, horse drawn vehicles
or craft, lifts, boats, aircraft, hovercraft, trailers or caravans
The most we will pay under owned by or in the custody or control of you or any member
this heading “Liability to of your family or household. This exclusion shall not apply to:
domestic employees” for any
one claim is €2,600,000 a. pedestrian controlled garden implements or ride on
inclusive of all legal costs, lawnmowers used at the private home described in the
fees and expenses. schedule in situations where cover for liabilities to others
under the Road Traffic Acts does not apply,
In the event of your
death, we will provide b. trailers and caravans detached from any vehicle parked at
cover to your personal the private home in situations where cover for liabilities to
representatives for your others under the Road Traffic Acts does not apply.
liabilities, provided that they
observe, fulfil and be subject 7. Liability arising in connection with construction, reconstruction
to the terms, exceptions and or structural alterations works.
conditions of the policy in 8. Liability arising in connection with tree felling or lopping
so far as they apply. operations.
39
5B – Liability to others as occupier of the buildings or arising in a
personal capacity
We will provide you with cover for 1. Liability accepted under contract which would not exist only
amounts you legally have to pay for the contract.
as occupier of the private home
2. Liability directly or indirectly caused by pollution or
described in the schedule or
contamination of buildings, structures, water, land or
arising in a personal capacity for:
atmosphere unless it is caused by:
1. Accidental death or bodily injury
a. a sudden unexpected act which can be identified,
or illness to any person other than
b. oil leaking from a domestic installation.
a. a member of your family or
household, Where liability cover is provided for pollution and
contamination the most we will pay for any one event is
b. your employees or employees
€130,000 inclusive of all legal costs, fees and expenses.
of a member of your family or
household. 3. Liability arising in connection with the ownership or
2. Accidental damage to property possession of any land, buildings or structures, other than the
not belonging to or in the charge of insured buildings.
or under the control of 4. Injury or damage arising out of or related to any profession,
a. you, trade or business other than:
b. any member of your family or a. the provision of a child minding service in the private
household, home for up to three children,
c. your employees or employees b. the letting of accommodation for up to two paying guests.
of a member of your family or
household.
We will also pay for the legal costs,
fees and expenses recoverable by
any person making a claim against
you and any costs incurred with
our prior written agreement.
40
In addition we will also provide 5. Injury or damage arising out of the use of mechanically or
this cover to members of your electrically propelled or assisted vehicles, horse drawn vehicles
family or household permanently or craft, lifts, boats, aircraft, hovercraft, trailers or caravans
residing with you at the private owned by or in the custody or control of you or any member
home described in the schedule of your family or household. This exclusion shall not apply
so long as these persons observe, to:
fulfil and be subject to the terms,
a. pedestrian controlled garden implements or ride on
exceptions and conditions of the
lawnmowers used at the private home described in the
policy in so far as they can apply.
schedule in situations where cover for liabilities to others
The most we will pay under this under the Road Traffic Acts does not apply,
heading “Liability to others as
occupier of the buildings or arising b. trailers and caravans detached from any vehicle parked at
in a personal capacity” for any one the private home in situations where cover for liabilities to
claim is €2,600,000 inclusive of all others under the Road Traffic Acts does not apply,
legal costs, fees and expenses. c. hand propelled boats and model aircraft.
In the event of your death, we 6. Injury arising in connection with the carrying out of
will provide cover to your personal construction, reconstruction, structural alterations or repair
representatives, for your liabilities, works.
so long as they observe, fulfil and
be subject to the terms, exceptions 7. Liability arising in connection with dangerous implements
and conditions of the policy in so (e.g. chainsaws, blow-torches, kango hammers, welding
far as they apply. equipment and or any equipment requiring the use of
protective clothing) which are being used other than at the
private home as described in the schedule.
8. Liability arising in connection with tree felling or lopping
operations.
9. Liability arising in connection with the ownership,
possession or use of dogs designated as dangerous in the
regulations made under the Control of Dogs Acts, where such
possession or use is not in accordance with the regulations.
10. Liability in connection with the transmission of any
contagious disease by you or any member of your family or
household.
11. Liability in connection with firearms other than licensed
sporting guns.
41
Section 6 – Home Events insured
emergency assistance Section A – Emergency services
– 1890 583 583 Emergency repairs are the repairs necessary
to make the private home safe and secure it
Your schedule will confirm if this benefit against further loss or damage following an
applies to your policy. unexpected or sudden occurrence which results
in damage needing immediate action.
Home emergency assistance provides a
24 hours, 365 days a year service, through We will provide an emergency repair service to
our service provider Mapfre Assistance secure the private home and prevent further
Agency Ireland, in the event of a household loss or damage from happening, following an
emergency. You must call the assistance emergency arising from one of the following
number provided to notify us of your events:
emergency and we will only be responsible 1. Broken or damaged piping, leaks from
for expenses incurred with our prior approval. sanitary fixtures and fittings and fixed
If the private home has been broken into water installations within the private
you should notify An Garda Síochána prior to home.
calling the home emergency assistance line.
2. Failure of the electrical supply within the
An emergency is an unexpected or sudden private home due to a fault or damage to
event which results in damage to the private the electrical installation inside the home.
home which requires immediate action to
make it safe and secure it against further loss 3. The private home being made insecure or
or damage. if entry is obstructed due to:
Your excess will not apply to a claim made • loss of keys,
under this section unless one is specifically • damage to locks,
referred to in your schedule.
• as a result of theft,
It is important that you give the following
information when calling the home emergency • any other accidental cause,
assistance service.
• in the event a child has locked
a. Your home and mobile telephone number. themselves in a room.
b. Your full home address. 4. Storm damage or any other accidental
damage to the roof which renders the
c. Your policy number.
private home insecure.
d. A description of the problem.
5. Broken glass in outside windows or doors
which makes the private home insecure.
42
Cover provided Section B – Follow up services
We will pay the cost of the callout, labour When we have carried out an emergency repair
and materials which are necessary for the covered under Section A we will also provide
emergency repair work, up to a maximum the following benefits.
amount of:
1. Urgent message relay - when an emergency
1. €200 for each emergency, and occurs within the private home, we will pass on
an urgent message to a family member at home
2. €254 for glazing.
or abroad.
If the repairs cost more than these amounts you
2. Essential information - if you need the
will be responsible for paying the difference. If
number of an essential service urgently, simply
you have a valid claim under Section 1 we will
call 1890 583 583 and we will provide the
refund any repair cost you pay.
contact number for services like a hospital, garda
Exclusions to Section A station, fire brigade or 24 hour pharmacy.
We will not pay for: Exclusions common to Section A and
1. The repair of damage arising from Section B
seepage, leaking or dampness even as We will not pay for:
a result of breakage or damage of the
piping or other installation. 1. Any work other than emergency repair
as specified.
2. The repair of air conditioning
installations, electrical showers, water 2. Any work undertaken which is not within
filtration units, jacuzzis, drains and septic the private home.
tanks outside the private home. 3. Any costs incurred without our prior
3. Repair to lighting, including bulbs approval.
or fluorescent tubes, free-standing 4. An emergency brought about by an
electrical installations such as lamps, avoidable or deliberate act committed by
home appliances. anybody lawfully in or about the private
4. Alarm or telephone systems. home.
5. Any work to: 5. Damage to your contents.
The general policy exclusions will apply to the
• inside doors or fittings,
cover provided under this section.
• outside doors not leading directly to
the private home, Conditions common to Section A and
Section B
• mechanical shutters or automatic
garage doors, We will only provide the home assistance
benefits described in the policy once you have
• double glazed units where one pane complied with all its terms and conditions.
has remained intact,
a. We will not pay any benefit unless you
• any private home in the course of have notified us by calling the contact
construction or under refurbishment number and we have authorised
or renovation. assistance.
43
b. You must quote your policy number
when calling for assistance and then
produce relevant identification on the
request of the operator, tradesman or any
other of our agents.
c. You cannot transfer the benefits of this
policy to anyone else.
d. You should keep the private home in a
good state of repair.
e. You will need to replace or repair any parts
of the private home which are failing or
showing signs of wear and tear as soon as
possible after you notice a problem.
f. Our home emergency assistance cover
is limited to a maximum of 3 emergency
assists in any one 12 month period of
insurance. After the third assist, your
home emergency assistance cover no
longer provides any protection.
g. While we do our best to arrange prompt
service for all emergencies, the service
levels cannot be guaranteed at times of
severe weather conditions which last for
a long period of time such as bad storms.
At these times there may be a foreseeable
likely shortage of tradespersons available
to deal with individual emergencies.
h. This section provides home emergency
assistance only. It does not replace the
cover provided by Section 1 and does not
provide for the cost of normal wear, tear,
depreciation or general maintenance.
44
Changes to this policy booklet
A summary of key changes recently included in this policy booklet is set out below. Always read the
policy booklet for full terms and conditions.
Key Changes Policy Version

Policy booklet changes – We have included new information to explain
how changes will be made to this policy booklet. For details, you will
need to read the information under “This policy booklet” at the start HMP PD 2021 09 V1.0
of the document, together with the “Changes to this policy booklet”
information at the end of the document.
Your duty – The duties and obligations relating to General Condition
2 have been reviewed in line with the Consumer Insurance Contracts
Act 2019. For details, you will need to read the “Duty of disclosure” and
HMP PD 2021 09 V1.0
“Failure to meet this duty” information at the start of this policy booklet,
together with the full outline of “Your duty” (Condition 2) under the
General Conditions of this policy booklet.
Policy cancellation – The cancellation condition has been reviewed in
line with the Consumer Insurance Contracts Act 2019. For details, you
HMP PD 2021 09 V1.0
will need to read “Cancellation of the policy” (Condition 6), under the
General Conditions of this policy booklet.
Retention – The conditions relating to retention of premium while
rebuilding or repair work is being complete have been reviewed in line
with the Consumer Insurance Contracts Act 2019. For details, you will HMP PD 2021 09 V1.0
need to read the “Retention” information in the ‘’How we will settle your
claim’’ section of this policy booklet.
45
HMP PD 2021 09 V1.0
FBD Insurance T: 1890 617 617

FBD House, Bluebell, Dublin 12, Ireland E: info@fbd.ie

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Duty of disclosure If you are not satisfied with our response or

This does not include:

Claim Credit cards

Holiday home Policy

We will provide a reasonable time period

d. any radioactive, toxic, explosive or other 4. Cyber risks

7. Deliberate or existing damage

8. Faulty workmanship, design or

C. To take legal action to recover

What is covered What is not covered

What is covered What is not covered

What is covered What is not covered

What is covered What is not covered

What is covered What is not covered

What is covered What is not covered

What is covered What is not covered

4A Named 4B Family travel

Limitations on the cover provided

Special conditions and exceptions

2. Our rights in the event of a claim

3. Your obligation to advise us of a change in occupation

4. Your obligation to provide all necessary information

5. Refunding benefits that are not due

Key Changes Policy Version

FBD Insurance T: 1890 617 617

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