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PolicySafehome

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RSHH2008 09_16 V2_RSHH2008_03_15 25/08/2016 16:07

WELCOME TO RSA

ContentsPage

RSA Customer Service 2

Safehome Insurance Policy 3 - 4

Definitions of terms used in Your Policy 5 - 8

Section 1 - Buildings 9 - 18

Section 2 - Contents 19 - 31

Section 3 - Personal Possessions Outside The Home 32 - 35

A Unspecified Valuables 32 - 33

B Specified Items 33

Section 4 - Pedal Cycles 36 - 37

Section 5 - Caravan 38 - 40

Section 6 - Home Office / Surgery 41 - 43

Section 7 - Annual Travel 44

Conditions which apply to your whole Policy 45 - 46

Exclusions which apply to your whole Policy 47 - 49

Making a Claim 50 - 51

Data Protection Notice 52 - 53

Index 54 - 55

1

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Customer Complaints ProcedureWe are committed to providing ourcustomers with a high standard of serviceat all times. If you have a complaint inconnection with company service, thedetails of your policy, perceived conflict ofinterest or treatment of a claim pleasecontact your Insurance Broker or ourCustomer Service team at;

RSA Insurance Ireland DACRSA HouseDundrum Town CentreSandyford RoadDublin 16D16 FC92. Telephone: 1890 290 100 OutsideIreland: 00353 1 290 1000Email: [email protected]

In the event of your complaint not beingresolved to your satisfaction you maycontact The Insurance Information Service,Insurance Ireland, Insurance Centre, 5Harbourmaster Place, IFSC, Dublin 1, DO1E7E8. Telephone (01) 676 1820 or theFinancial Services Ombudsman’s Bureau,3rd Floor, Lincoln House, Lincoln Place,Dublin 2, D02 VH29. Telephone 1890 882 090 or (01) 662 0899.

RSA CUSTOMER SERVICE

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SAFEHOME INSURANCE POLICYThis is Your Safehome Policy. PLEASEREAD IT CAREFULLY. It sets out the detailsof the contract You have made with Us.The Proposal Form or Statement of Factwhich You made to Us are incorporated inand form part of this contract.

We confirm that We will insure You in theterms set out in this Policy for any periodfor which You offer us Your premium andWe accept it.

The Schedule and any Endorsements areall part of Your Policy and shall beconsidered as one document. Check YourSchedule to find out which Sections Youhave insured and read them along withYour Policy. You should also pay particularattention to the Conditions and Exclusionsset out on Pages 45 - 49 as these apply toall Sections.Whilst Your Safehome Policyinsures You against a wide range ofcontingencies, it does not insure You againstevery possible loss, for example, it is not amaintenance contract, and if the onlyDamage is due to wear, tear ordeterioration there is no cover under YourPolicy. If Damage is caused by War Risks,Sonic Bangs, or Radioactive ContaminationYou should contact the appropriateGovernment Department or otherAuthority to recover Your loss as YourSafehome Policy along with all otherHousehold policies does not insure Youagainst these types of Damage.

DUTY OF DISCLOSUREYou must tell Us immediately of anychanges in the information You have givenUs in Your Proposal Form or Statement ofFact or any alteration in the risk whichmaterially affects this insurance. Failure todisclose all material information couldinvalidate Your insurance which will result inthe rejection of a claim leaving Youunprotected. If You are in any doubtwhether a fact is material You shoulddisclose it (see Condition 5 Alteration inRisk). For example, if You make anyalteration to Your property, which makeslosses more likely to happen or moreserious if they do or if You move house.

COOLING OFF PERIODPlease read Your Policy thoroughly to makesure that it meets all Your requirementspaying particular attention to Policydefinitions exclusions and Endorsements. Ifit does not meet Your Requirements, Youcan send it back to Us within 30 days andWe will refund Your premium provided Youhave not made any claim during the 30 dayperiod. Should You decide to return thePolicy to Us, You will not be able to make aclaim at a later date.

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All monies which become or may becomedue under this Policy will in accordancewith Section 93 of the Insurance Act 1936be payable and paid in the Republic ofIreland in Euros unless we specifically sayotherwise.

Premiums are subject to Government Levyand/or contribution where applicable.

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

Contract Law

The parties to a contract of insurancecovering a risk situated in the Republic ofIreland are permitted to choose the lawapplicable to the contract. We proposethat the contract will be governed by Irish Law.

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

The insurer that you have entered into a contract with is RSA Insurance Ireland DAC.

RSA is a registered business name of RSAInsurance Ireland Designated ActivityCompany (DAC). RSA Insurance IrelandDAC trading as RSA is regulated by theCentral Bank of Ireland and registered inIreland under number 148094 withregistered office at RSA House, DundrumTown Centre, Sandyford Road, Dundrum,Dublin 16. The underwriter is RSAInsurance Ireland DAC which is a memberof the RSA Group.

SAFEHOME INSURANCE POLICY (CONTINUED)

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(THE CONDITIONS AND EXCLUSIONS WHICH APPLY TO YOUR WHOLE POLICYARE SHOWN ON PAGES 45 - 49)

DEFINITIONSAny word listed under “DEFINITIONS” will carry the same meaning wherever it appears inYour Policy in bold print:

DEFINITIONS are listed in Alphabetical Order

Asbestos Containing Asbestos Containing Materials shall mean any material containingMaterials Asbestos or Asbestos Dust

Asbestos Dust Asbestos Dust shall mean fibres or particles of Asbestos

Betterment Increase in value following repair or replacement

Buildings The Home and its domestic outbuildings, garages, greenhouses, sanitaryfixtures, swimming pools, tennis courts, patios, terraces, drives, footpaths,walls, gates, fences: hedges under 2 metres high, aerials satellites and theirfittings and masts, Solar Panels and Heat Exchange Units securely attachedto the roof of the Building, including landlords fixtures and fittings to theBuilding, fitted wooden or laminated flooring, kitchen, bathroom orbedroom units and their integrated appliances all on the same site.

Business Equipment Computers, keyboards, visual display units and printers, word processingequipment, desk top publishing units, multi-user small businesscomputers, facsimile machines, photocopiers, typewriters, computeraided design equipment, telecommunication equipment and officefurniture owned by You or any member of Your Household butexcluding Business Equipment otherwise insured

Caravan Any caravan, trailer tent or mobile home including its fixtures, fittings,awnings, furniture, furnishings and utensils owned by any member ofYour Household and described in the Schedule used solely for social,domestic and pleasure purposes

Contents All property including Business Equipment, Valuables, Clothing, PersonalEffects and Money in Your Home or its domestic outbuildings, garagesor greenhouses owned by any member of Your Household or forwhich they are responsible Fixtures and fittings for which You areresponsible as occupier of the Buildings including aerials, satellite aerialsand their fittings and mastsVisitors and Domestic Employees Personal Effects not otherwise insuredProperty Not Covered:- Buildings including fitted wooden or laminated flooring, kitchen,

bathroom or bedroom units and their integrated appliances unlessinsured as part of Tenant’s Improvements cover

- Caravans, boats, motor vehicles, trailers, vessels, aircraft and theirrespective accessories or parts

- Plants, trees and shrubs in the garden- Living creatures

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DEFINITIONSContents - Money and stamps belonging to resident Domestic Employees or

paying guests- Securities, certificates (other than savings certificates and

documents)- Property other than Business Equipment used or held for business

or professional purposes- Property more specifically insured by another policy

Damage Physical harm immediately caused by an insured peril

Domestic Employee Any person under a contract of service with You which is solely forprivate domestic duties including gardeners, persons carrying out repairwork other than contractors or persons engaged solely to makeextensions or non-maintenance alterations to the Home, and othertemporary or casual employees

Endorsement An amendment to Your Policy

Excess The amount shown in Your Schedule which You pay for any oneincident resulting in a claim

If claims are made under two or more Sections for loss or Damageresulting from the same cause at the same time, only one Excess will bededucted from the total amount of the claim payment

If the total amount of the claim is in excess of the limit of the Sum Insuredin respect of such claim the Excess will be deducted from such limit

Fees Fees for Architects, surveyors and other professionals registered underthe Building Act which You have to pay in connection with repairing orreinstating the Buildings. Fees not covered:- Those which You have to pay to prepare a claim- Those which You incur without Our permission

Geographical Limits Member States of the European Union

Ground Heave Upward movement or expansion of the site on which the Buildingstands due to the removal of load from it or to actions within the siteitself

High Risk Items Television, personal computer, audio and video equipment, jewellery(including watches) and articles of precious metal, clocks, photographicequipment, furs, pictures, works of art, curios and collections.

Home The house, bungalow or self-contained purpose built apartment at theaddress shown in the Schedule used solely as Your Household’s mainprivate dwelling other than for occasional business use as described inYour Policy

Integrated Appliances Devices designed for a specific task which are fixed to or form part ofthe Buildings or of fittings to the Buildings


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DEFINITIONS

Landslip Downward movement of sloping ground resulting from the action ofself-weight stresses and imposed loadings exceeding the availablestrength of the ground

Local Authority The additional costs You have to pay to meet Local AuthorityRequirements Requirements when repairing or reinstating Damage to the Buildings

Costs not covered:

- Any cost for complying with requirements or regulations of which You are aware before the loss or Damage occurred

Material Fact Any information or circumstance concerning You the cover or theproperty to be insured which may affect the Terms or Conditions orpremium payable in respect of the Insurance. If You are in any doubtas to whether the information may be material such informationshould be disclosed

Money Cash, bank and currency notes, cheques, money and postal orders,postage stamps (not part of a collection), savings stamps and savingscertificates, premium bonds, luncheon vouchers, travellers cheques,telephone cards, season travel tickets and gift tokens

Property not covered:

- Securities and certificates (other than savings certificates and documents)

- Promotional vouchers, lottery and raffle tickets

- Money held for business or professional purposes

Motor Vehicle Any mechanically or electrically propelled or assisted conveyance,except ride-on lawnmowers or pedestrian controlled vehicles orinvalid wheelchairs

Pedal Cycles Any Pedal Cycle, including accessories attached to the cycle, specifiedin the Schedule and owned by any member of Your Household orfor which they are responsible

Period of Insurance The period starting and ending on those dates shown in YourSchedule and for any following period but only if We accept Yourrenewal premium

Personal Effects Property normally worn, carried or used about the person ineveryday life

Personal Possessions Valuables, Personal Effects, sports equipment and clothing belongingto You or for which You are responsible

Policy The documents consisting of Your Proposal Form, this policy book,Your Schedule and any Endorsements

Proposal Form The form signed by You which describes You, any details specific toYou or the property and all material information relevant to thecover which You have requested

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DEFINITIONS

Reasonable Using sound or moderate judgement without making unfair demands

Removal of Debris Any amount We agree to pay for removing debris, demolishing,propping or shoring up parts of the Buildings which have beendamaged

Schedule The document which describes You and the Sum Insured and anydetails of Your Policy that are specific to You

Settlement The downward movement of the site on which the Building standsdue to the application of superimposed loading from the Building

Statement of Fact A record of information provided by You which describes You, anydetails specific to You or the property or any material informationrelevant to the cover which You have requested

Storm A violent atmospheric disturbance with strong winds which is capableof causing Damage to a Building which is in sound condition andgood repair

Subsidence The downward movement of a site on which the Building stands,from causes unconnected with loading from the Building

Sum Insured The amount for which each type of property is insured as shown inthe Schedule or as notified to You at renewal

Tenants Alterations or additional work carried out to the Buildings by Improvements You either under a Tenancy Agreement or otherwise, for which cover

is required and has been separately agreed by Us provided that theSum Insured in respect of such parts of the Building is added to theSum Insured in respect of the Contents

Unoccupied Not lived in by You or any member of Your Household or by anyother person with Your permission

Valuables Jewellery (including watches), furs, pictures, clocks, collections of coins,medals or stamps and any property made of precious metal

We/Us/Our/The Company RSA Insurance Ireland DAC

You/Your Whoever is named in the Schedule as the Policyholder

Your Household YouYour family (including Your spouse or de facto spouse and all childrenand their spouses or de facto spouses) who normally live with You atthe time of the loss or Solely in respect of cover for ContentsTemporarily Removed, such persons residing in rentedaccommodation whilst attending full time education.Your resident Domestic Employees


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We insure the Buildings against Damage bythe following causes:

a Fire, Explosion, Lightning, Earthquake

b Smoke

c Escape of water or oil from any fixed water or heating installation or domestic appliance

d Impact involving an aircraft, aerial deviceor anything falling from them, or by avehicle, train or animal

e Falling trees or branches

f Falling aerials, satellite aerials, their fittings or masts

We will not pay for :

- The Excess shown in the Schedule

- Where the Damage is caused by escapeof water from any fixed water or heatinginstallation or domestic appliance thefirst €750 of each loss, unless a higherExcess amount is shown on theSchedule, will apply

- Where the Damage results inSubsidence the first €1,000 of each loss,or higher Subsidence Excess as shownon the Schedule, will apply.

- Damage to the component or appliancefrom which the water or oil escapes

- Loss or Damage to walls, ceilings andtiles caused by the ingress of waterthrough seals or grouting

- Loss of or Damage to any fixed domesticheating installation due to wear and tear,rust or gradual deterioration

- Remediation to a standard which will posea risk to health or property or carried outby a contractor not approved by us

- Damage occurring after Your Home hasbeen Unoccupied for more than 45consecutive days

- Damage to tennis courts- The cost of removing a tree or

branch unless the Buildingsare damaged at the same time

- Any loss where We make a paymentunder SECTION 2 CONTENTSPARAGRAPH 1 COVER F

This cover does not apply unless shown on the schedule.

PARAGRAPH 1 - COVER

SECTION 1 - BUILDINGS

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BUILDINGS

We insure the Buildings against Damage bythe following causes:

g Riot, Civil Commotion, Strike, Labour or Political Disturbance

h Malicious persons or vandals

i Storm or Flood

j Subsidence or Heave of the site beneath the Buildings or Landslip



- Damage caused by You or Your Household

- Loss or Damage occurring after Your Home has been Unoccupied for more than 45 consecutive days

- Damage to gates, hedges, fences or tennis courts

- Damage caused by frost

- The first €1,000 of each claim

- Damage to outdoor swimming pools,tennis courts, patios, terraces, drives,footpaths, walls, gates, hedges or fencesunless Your Home, or its domesticoutbuildings or garages, is damaged at thesame time

- Damage caused by bedding down ofnew structures or settlement

- Damage to solid floor slabs or Damageresulting from their movement unless thefoundations beneath the external walls ofYour Home are damaged at the sametime

- Damage caused by coastal or rivererosion

- Damage resulting from:

i demolition or structural repairs oralterations to the Buildings

ii faulty workmanship or the use ofdefective materials in the Buildings

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BUILDINGSWe will not pay for :


- Loss or Damage caused by You orYour Household

- Loss or Damage occurring after Your Home has been Unoccupied for more than 45 consecutive days

- Damage

a whilst Your Home or any part of it islent to any persons other than amember of Your Household or let totenants or occupied by paying guests

b caused by settlement or shrinkage

- Any loss or Damage specifically excluded elsewhere in Section 1 - Buildings

We insure the Buildings against thefollowing causes:

k Stealing or attempted stealing

l Accidental Damage

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We also provide insurance for :

a Damage to Underground ServicesAccidental Damage to cables orunderground services supplying theBuildings

b Water and Heating InstallationsDamage to any fixed domestic water orheating installation caused by freezing

c Sale of the HomeIf You contract to sell the Buildings, thepurchaser who completes the sale shallhave the benefit of the insuranceprovided by this Section up to the dateof completion, provided the Buildingsare not otherwise insured



- The first €750 of each loss, unless ahigher Excess amount is shown on theSchedule, will apply to Damage causedto underground water pipes supplyingthe Buildings

- Damage which You are not legallyresponsible to repair

- Damage caused by wear and tear

- Where the Damage is caused by escapeof water from any fixed water or heatinginstallation or domestic appliance thefirst €750 of each loss, unless a higherExcess amount is shown on theSchedule, will apply

- Damage occurring after Your Homehas been Unoccupied for more than 45 consecutive days

- Damage caused by wear and tear

BUILDINGSPARAGRAPH 2 - ADDITIONAL COVER


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BUILDINGS

We also provide insurance for :

d Fire Brigade ChargesWe will pay the cost of the chargesmade on You by a Local Authority inaccordance with the provisions of theFire Services Act 1981 for Fire BrigadeAttendance as the result of any incidentinvolving fire affecting the Buildings incircumstances which give rise to a validclaim under this Policy

e Trace & Access

We will pay the cost of removing andreplacing any part of the Buildingsnecessary to repair a household heatingor water system which has caused anescape of water

f Legal Fees

Legal Fees which You have to pay torepossess Your Home following occupation by squatters



- Any amount which We are required topay under Section 2 Contents Paragraph2 Additional Cover o Fire BrigadeCharges

- Loss or Damage to the component or appliance from which the water or oilescapes


- Fees incurred without Our permission

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Index linkingThe Buildings Sum Insured may beadjusted monthly in accordance with theHouse Rebuilding Cost Index prepared bythe Department of the Environment.

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

These adjustments may not be sufficient foryour needs and therefore you should notrely on this alone to ensure Your BuildingsSum Insured is adequate. You shouldperiodically review Your own Sums Insured.

Protection after LossFollowing loss or Damage by any causelisted in this Section, the Buildings SumInsured will be Index Linked for theduration the Buildings are being reinstated,at the same rate that applied at thecommencement of Your Policy or lastrenewal, provided You take all reasonablesteps to ensure that the reinstatement iscarried out without undue delay.

BUILDINGSPARAGRAPH 3 - INFLATION PROTECTION FOR SECTION 1

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PARAGRAPH 4 - CLAIMS SETTLEMENTFOR SECTION 1Provided the Damage is covered underYour Policy, We will settle Your claim asexplained below subject to the maximumamount payable

1 Wherei the damaged parts of the Buildings

can be repaired or reinstated, andii Your Home is in good repair, andiii the Sum Insured is not less than

the cost of rebuilding the Buildings,inclusive of Fees, Removal ofDebris, and Local AuthorityRequirements

at our option we will eitheri repair/reinstate orii pay the full reasonable cost of

repair/reinstatement to theBuildings to you.

You must provide access to Your Home,and facilitate an inspection, for OurManaged Repair Network of BuildingContractors to quote for the cost ofrepair/reinstatement.

Where We opt to repair / reinstate, Wereserve the right to use Our ManagedRepair Network of Building Contractors tocomplete the works and We will takeresponsibility for the satisfactorycompletion of such works completed bythem.

Where We agree to pay YouWe reservethe right to make staged payments asworks progress and to withhold finalpayment until all works are complete, finalinvoice submitted and final inspectioncompleted by Us or Our Representatives.The percentage of final payment withheldwill not exceed 30% of the overallsettlement amount.

2 If the damaged parts of the Buildingscannot be economically repaired orreinstated, We will pay the reduction,solely due to the damage, in the marketvalue of the Buildings prior to thedamage

3 If the Sum Insured is less than the costof rebuilding the Buildings or theBuildings are not in good repair, We will make a deduction from thesettlement for wear, tear, depreciationand/or betterment.

MaintenanceYour Policy does not cover You for thecost of gradual deterioration. It is not amaintenance contract. It is a Condition ofthe Policy that You keep Your property ingood order and take reasonable steps toavoid loss or damage.

Maximum Amount PayableThe maximum amount payable in respectof any one incident (less any Excess) is:1 Buildings including - The Sum Insured

Fees, Removal of Debris andLocal Authority Requirements

2 Satellite Aerial - €7003 Fire Brigade Charges - €2,0004 Trace and Access - €7005 Legal Fees - €12,750

The Sum Insured on Buildings will not bereduced following payment of a claim.

BUILDINGS

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BUILDINGSPARAGRAPH 5 - OWNERS LIABILITY TO THE PUBLICInsurance is provided for any amountswhich You become legally liable to payin respect of:

• Accidental bodily injury, death, disease or illness of any person arising solely as owner (but not occupier) of the Buildingsor land belonging to the Home

• Accidental loss of or Damage to property arising solely as owner (but not occupier) of the Buildings or the land belonging to the Home

We will not pay for liability directly orindirectly arising from:

- Any injury, death, disease or illness of any member of Your Household

- Loss of or Damage to property owned, occupied or in the custody or control of any member of Your Household

LimitWe will pay up to €3,000,000 in connection with any one incident inclusive of any costs expenses andsolicitors fees which You have to pay,provided We confirm Our agreement inwriting

If You should die, Your legal personal representatives will have the protection of this cover

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BUILDINGSPARAGRAPH 5 - OWNERS LIABILITY TO THE PUBLIC

GENERAL EXCLUSIONS TO PARAGRAPH 5

- An agreement unless the liability wouldhave existed without the agreement

- Your employment, business orprofession other than the provision inYour Home of:i a child minding service for up to 2children

ii accommodation for up to 6 payingguests

- The use of lifts or mechanically orelectrically propelled vehicles (otherthan gardening equipment)

- Injury to any person in Youremployment

- the ownership possession or use of anyBouncing Castle, inflatable game orTrampoline in or about the Buildingsunless such item is situated on a softsurface in its own space away from wallstrees or fences and attended to orsupervised by an adult whilst in use andthat any compressor or generator forsuch item is positioned in a location whichprevents access by minors and allowsimmediate access by an adult to a cut-offswitch and that the stays and supports ofsuch item are anchored adequately atleast 2 metres from the item

- the ownership possession or use of aswimming pool hot tub spa or jacuzzi inor about the Building unless such item isattended to or supervised by an adultwhilst in use and that any pumpcompressor or generator for such itemis positioned in a location whichprevents immediate access by a minorand allows immediate access by an adultto the cut-off switch and such item isprotected and covered when not in use


You are not insured for liability directly orindirectly arising from :

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BUILDINGSPARAGRAPH 5 - OWNERS LIABILITY TO THE PUBLIC

GENERAL EXCLUSIONS TO PARAGRAPH 5 (CONTINUED)

- Bodily injury, death, disease or illness orfear of suffering bodily injury, death, diseaseor illness arising out of actual or suspectedexposure to Asbestos, Asbestos Dust orAsbestos Containing Materials

- Accidental loss of or damage to propertyarising out of actual or suspectedexposure to Asbestos, Asbestos Dust orAsbestos Containing Materials

- The costs of management, removal,repair, alteration, recall, replacement orreinstatement of any property or partthereof arising out of the presence ofAsbestos, Asbestos Dust or AsbestosContaining Materials

- Any incident(s) where We may becomelegally liable to pay under Section 2CONTENTS PARAGRAPH 5 orPARAGRAPH 6 or SECTION 5PARAGRAPH 3


You are not insured for liability directly orindirectly arising from :

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We insure the Contents against loss orDamage by the following causes while theyare in Your Home or its domesticoutbuildings and garages

a Fire, Explosion, Lightning, Earthquake

b Smoke

c Escape of water or oil from any fixed water or heating installation or domestic appliance

d Impact involving an aircraft, aerial device or anything falling from them, or by a vehicle, train or animal

e Falling trees or branches

f Falling aerials, satellite aerials, their fittings or masts

g Riot, civil commotion, strike, labour or political disturbance

h Malicious persons or vandals

SECTION 2 - CONTENTS



- Where the Damage is caused by escapeof water from any fixed water or heatinginstallation or domestic appliance the first€750 of each loss, unless a higher Excessamount is shown on the Schedule, willapply

- Damage to the component or appliancefrom which the water or oil escapes

- Loss or Damage occurring after YourHome has been Unoccupied for morethan 45 consecutive days

- Loss or Damage unless the Buildings aredamaged at the same time

- Any loss where We make a paymentunder SECTION 1 BUILDINGSPARAGRAPH 1 COVER F

- Damage caused by You or Your Householdor persons lawfully in the Home


This cover does not apply unless shown on the Schedule.

PARAGRAPH 1 - COVER

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CONTENTSWe insure the Contents against loss orDamage by the following causes while theyare in Your Home or its domesticoutbuildings and garages

i Storm or Flood

j Subsidence or Heave of the site beneaththe Buildings, or Landslip

k Stealing or attempted stealing


- The Excess shown on the Schedule

- Damage caused by bedding down ofnew structures or settlement of newlymade up ground

- Damage resulting from the movementof solid floor slabs unless thefoundations beneath the external wallsof Your Home are damaged at the sametime

- Damage caused by coastal or rivererosion

- Damage resulting from demolition orstructural repairs or alteration of theBuilding

- Loss by deception, unless it is only entrythat is gained by deception

- Loss or Damage caused by You or YourHousehold

- Loss while Your Home or any part of itis lent to any persons other than amember of Your Household or let totenants or occupied by paying guests,unless force is used to gain entry into orexit from Your Home or its domesticoutbuildings or garages

- Loss of Money from your home notinvolving forcible and violent entry intoor exit from the Building

- Loss of Money from outbuildings orgarages


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CONTENTS

We insure the Contents against loss orDamage by the following causes while theyare in Your Home or its domesticoutbuildings and garages

l Accidental Damage to Contentsowned by any member of Your Household or for which they are responsible



- Damage to Personal Possessions andMoney

- Damage while Your Home or any partof it is lent to any persons other than amember of Your Household or let totenants or occupied by paying guests

- Damage caused by settlement orshrinkage

- Deterioration of food

- Damage solely caused by mechanical,electrical, electronic or computer failuresor breakdowns or breakages

- Any loss, destruction or Damagespecifically excluded elsewhere inSection 2 - Contents

- Damage caused by assembling ordismantling of the apparatus in respectof Business Equipment

- Damage to Musical Instrument used orheld for business or professionalpurposes

- Loss of tone of Musical Instruments orthe cost of replacing broken strings ordrum skins or Damage caused byscratching, denting or bruising of suchinstruments

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CONTENTS

We also provide cover against:

a Deep Freezer ContentsLoss of or Damage to food in a fridgeor domestic deep freezer in YourHome caused by a rise or fall intemperature or contamination fromrefrigerant or refrigerant fumes. We willalso pay for loss of or Damage to foodwhich has been removed from the deepfreezer following an incident We insure

b Rent and Alternative AccommodationIf Your Home is made uninhabitable by any of the causes insured under this SectionWe will payi Rent which You still have to pay

for parts of Your Home which are unfit to live in

ii Reasonable additional costs of comparable alternative accommodation until Your Home is fit to live in again

c Door LocksReplacement and installation of locks of any external door of Your Home or any garage or its domestic outbuildings or any domestic safe or burglar alarm keyswitch if the keys have been lost or damaged

d Contents in the GardenLoss of or Damage to the Contentsby any cause insured under this Section occurring within the boundaries of the land belonging to Your Home


- The Excess shown on the Schedule-

Loss or Damage due to the deliberateact of the power supply authority or thewithholding or restricting of power bythe authority

- Loss or Damage resulting from neglectby You or Your Household


- Costs which You incur without Ourwritten permission

- Loss of or Damage to Money

PARAGRAPH 2 - ADDITIONAL COVER

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CONTENTSWe also provide cover against:

e Contents temporarily removed Loss of or Damage to the Contentsby any cause insured under this section while temporarily removed from Your Homei into a bank safe deposit,

occupied private dwelling or any Building where any members of Your Householdare living or carrying on their business within the Geographical Limits

ii elsewhere within the Geographical Limits

f Reinstatement of Title DeedsThe cost of replacing the Title Deeds toYour Home if they are lost or damagedby any cause insured under this sectionwhile in Your Home or lodged withYour Building Society, Bank or Solicitor

g Loss of OilThe cost of oil lost from the domesticheating installation following AccidentalDamage to any part of the domesticheating installation



- Loss or Damage by Stealing notinvolving forcible and violent entry intoor exit from the Building

- Property removed for sale or exhibition

- Loss or Damage in a furnituredepository

- Loss or Damage caused by Maliciouspersons or vandals

- Loss or Damage caused by Storm orFlood to property not in the Building

- Loss or Damage by Stealing notinvolving forcible and violent entry intoor exit from the Building

- Accidental Damage

- Loss occurring after Your Home hasbeen Unoccupied for more than 45consecutive days

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h Clean up expensesThe cost of cleaning up expenses, which You have to pay, following the escape of oil from the domestic heating installation

i Jury ServiceWe will pay You €50 per day for each day You attend at court for jury service as long as You give Us satisfactory written proof of Your jury service

The Excess shown in Your Scheduleis not applicable

j Wedding GiftsThe cost of replacing Wedding Gifts if they are lost or damaged by any cause insured under this section, while in Your Home for a period of one month before and one month after the wedding day of You or a member of Your Household

k Christmas GiftsThe cost of replacing Christmas Gifts ifthey are lost or damaged by any causeinsured under this section while inYourHome during the months of Decemberand January

l Unauthorised use of Credit CardsFinancial loss resulting from theunauthorised use of bank cash cards,debit cards, charge, cheque and/or creditcards, anywhere within theGeographical Limits and Worldwide upto 60 days in any one Period ofInsurance



- Landscaping costs

- Damage occurring after Your Home has been Unoccupied for more than 45 consecutive days

- Loss or Damage which You/Your Household are covered for under another contract of insurance

- Losses not reported to the issuing organisation within 24 hours of discovery of the loss

- Losses occurring due to the credit card(s) not being used in accordance with the conditions of use of the issuing house.

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m Visitors Personal EffectsLoss or Damage to Personal Effectsbelonging to visitors not more specifically insured by another policy

n Moving HouseLoss or Damage to Contents in transitby land from Your Home for permanent removal to another Home within the Geographical Limitsby professional removal contractors

o Fire Brigade ChargesThe cost of the charges levied on Youby a Local Authority in accordance withthe provisions of the Fire Services Act1981 for Fire Brigade Attendance as theresult of any incident involving fireaffecting the Contents in circumstanceswhich give rise to a valid claim underthis Policy

p Fatal Accident BenefitThe accidental death of You and/orYour partner permanently residing inYour Home as a result of:i Fire, Lightning, Explosionii assault by thieves in the Buildings

or on the streetiii travelling as a fare paying

passenger in a train, bus, licensed taxi, hackney or airplane where death occurs within three calendar months of when the injuries occurred



- Property owned by paying guests

- Loss or Damage to china, glass, earthenware and other items of a brittle nature unless they have been packed by professional packers

- Loss or Damage to Contents in or in transit to or from any depository

- Any amount which We are required topay under Section 1 Buildings Paragraph2 Additional Cover d Fire BrigadeCharges

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PARAGRAPH 3 - INFLATIONPROTECTION FOR SECTION 2Index LinkingThe Contents Sum Insured may beadjusted monthly in accordance with theDurable Household Goods Section of theConsumer Price Index.

No additional premium will be charged forthese adjustments between the anniversarydates of Your Policy, but the renewalpremium will be calculated on the revisedSum Insured as appropriate.If the Contents Sum Insured was chosen asa percentage of the Buildings Sum Insured,We will adjust the Contents Sum Insured inline with any revised Buildings Sum Insured.These adjustments may not be sufficient foryour needs and therefore you should notrely on this alone to ensure Your ContentsSum Insured is adequate. You shouldperiodically review Your own Sums Insured.

PARAGRAPH 4 - CLAIMS SETTLEMENTFOR SECTION 2Following insured Damage, We will settleYour claim as explained below:

1 Where the damage can beeconomically repaired, We willeither arrange or authorise repair

2 Where the damaged or lost itemcan be replaced with an item ofsimilar quality, We will eitherarrange or authorise replacement. Ifan exact replacement is notavailable, We will either arrange orauthorise replacement with an itemof similar quality. Where thereplacement or repair of any itemresults in an increase in the value ofthat item We may make adeduction in respect of Betterment

3 Where We are unable toeconomically repair or replace theitem with an item of similar quality,We will make a cash payment equalto an agreed replacement value

4 We will make a deduction for wear,tear and depreciation in respect ofthe following items where they aremore than 4 years old:

• clothing, furs, household linenand fabrics

• TV, audio, video, personalcomputer, recording equipmentand ancillary material includingCDs, tapes, records andsoftware.

• floor coverings

5 If the Contents Sum Insured is lessthan the cost of replacing all theContents as new, We may make adeduction for wear, tear anddepreciation on all items

CONTENTS

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CONTENTSMaximum Amount PayableThe maximum amount payable in respect of any one incident (less any Excess) is:

1 Contents - The Contents Sum Insured shown in theSchedule subject to the following limits:

- Business Equipment €4,000- Money €400- Satellite Aerials €700 (provided no payment has been made under Buildings)

2 Deep Freezer Contents - €2,000

3 Rent and AlternativeAccommodation - 50% of Contents Sum Insured

4 Door Locks - € 700

5 Contents in the Garden - € 700

6 Title Deeds - € 700

7 Clean Up Expenses - €2,000

8 Jury Service - € 700

9 Wedding Gifts - An additional 10% of the Contents Sum Insured10 Christmas Gifts - An additional 10% of the Contents Sum Insured11 Credit Cards - €1,275

12 Visitors Personal Effects - € 700

13 Fire Brigade Charges - €2,000 (provided no payment has been madeunder Buildings)

14 Fatal Accident Benefit - €5,000

15 High Risk Items - 50% of Contents Sum Insured. - Single Article Limit - 10% of Contents Sum Insured

16 Contents TemporarilyRemoved - 20% of Contents Sum Insured.

The Contents Sum Insured will not be reduced following payment of a claim

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CONTENTS

Insurance is provided for any amountswhich You or any member of YourHousehold become legally liable to pay inrespect of:

• Accidental bodily injury, death, disease orillness of any person arising:a as occupiers (but not owners) of

the Buildings or the landbelonging to the Home

b in any other personal capacityc as an employer of any Domestic

Employee in the Republic ofIreland or Worldwide during atemporary visit

• Accidental loss of or Damage toproperty arising:a as occupiers (but not owners) of

the Buildings or the land belonging to the Home

b in any other personal capacityc as an employer of any Domestic

Employee in the Republic ofIreland or Worldwide during atemporary visit

Limit

We will pay:

up to €3,000,000 in connection with any one incident inclusive of any costs,expenses and solicitors’ fees which Youhave to pay, provided We confirm Ouragreement in writing

We will not pay for liability arising directly orindirectly from:

- Any injury, death, disease or illness of any member of Your Householdother than Your Domestic Employees

- Loss of or Damage to property owned or in the custody or control of any member of Your Household

PARAGRAPH 5 - THIRD PARTY LIABILITY

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CONTENTSGENERAL EXCLUSIONS TO PARAGRAPH 5

If You or a Member of Your Household claiming should die, You/their legal personalrepresentatives will have the protection of this Cover

We will not pay for liability arising directly or indirectlyfrom:

- An agreement unless the liability would have existed without the agreement

- The employment, business or profession of any member of Your Household other than the provision inYour Home ofi a child minding service for up to 2 children

ii accommodation for up to 6 paying guests

- The transmission of any communicable disease byany member of Your Household

- Bodily Injury, death, disease or illness or fear ofsuffering Bodily Injury, death, disease or illness arisingout of actual or suspected exposure to Asbestos,Asbestos Dust or Asbestos Containing Materials

- Accidental loss or damage to property arising out ofactual or suspected exposure to Asbestos, AsbestosDust or Asbestos Containing Materials

- The costs of management, removal, repair, alteration,recall, replacement or reinstatement of any propertyor part thereof arising out of the presence ofAsbestos, Asbestos Dust or Asbestos ContainingMaterials

- Injury, death, disease or illness (other than to a Domestic Employee) or Damage arising out ofi the ownership of land or Buildings

by any member of Your Householdii the occupation of land or Buildings by any

member of Your Household other than the Buildings or the lands belonging to the Home

iii the use of horses other than at your Homeiv mechanically or electrically propelled or assisted

vehicles (other than motorised gardeningequipment and pedestrian controlled vehicles),lifts, boats (other than hand propelled boats),hovercraft, aircraft (other than model aircraft),trailers or Caravans owned by or in the custodyor control of any member of Your Household

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CONTENTSGENERAL EXCLUSIONS TO PARAGRAPH 5

If You or a Member of Your Household claiming should die, You/their legal personalrepresentatives will have the protection of this Cover

We will not pay for liability arising directly or indirectlyfrom:

v ownership, possession, use or discharge offirearms other than Sporting Guns where you orany member of your household is currentlyauthorised by a Firearm Certificate grantedunder the Firearms Act 1925 and / orsubsequent Act(s) in respect of each firearmpossession, use or carriage and such firearm(s)are stored separately from ammunition in a safedesigned for such use and stored and used solelyby you or carried by an adult authorised by you

vi ownership, possession or use of dangerous dogs asspecified in regulations made under the “Control ofDogs Act 1986” or amendments thereon if suchownership, possession or use is not in accordancewith the provisions of such regulations

vii the ownership possession or use of any BouncingCastle, inflatable game or Trampoline in or aboutthe Buildings unless such item is situated on a softsurface in its own space away from walls trees orfences and attended to or supervised by an adultwhilst in use and that any compressor or generatorfor such item is positioned in a location whichprevents access by minors and allows immediateaccess by an adult to a cut-off switch and that thestays and supports of such item are anchoredadequately at least 2 metres from the item

viii the ownership possession or use of a swimmingpool hot tub spa or jacuzzi in or about the Buildingunless such item is attended to or supervised by anadult whilst in use and that any pump compressoror generator for such item is positioned in alocation which prevents immediate access by aminor and allows immediate access by an adult tothe cut-off switch and such item is protected andcovered when not in use

ix Any incident(s) where We may become legallyliable to pay under Section 1 BUILDINGSPARAGRAPH 5 or Section 5 PARAGRAPH

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PARAGRAPH 6 - TENANTS LIABILITY FOR DAMAGE


CONTENTS

If You are a tenant of Your Home and notthe owner or landlord, We will pay all sumswhich You are liable to pay under the termsof Your tenancy agreement for :

a BuildingsDamage to the Buildings by any cause insured in Section 2 - Contents - Paragraph 1- Cover

b Decorations and FixturesDamage to internal decorations or landlords fixtures and fittings of the Buildings by any cause insured in Section 2 - Contents - Paragraph 1 -Cover

c Underground ServicesAccidental Damage to cables or underground services supplying the Buildings

d Glass and Sanitary WareBreakage of fixed glass in walls, doors and roofs including double glazed units, solar panels, ceramic hobs or tops, washbasins, pedestals, shower cubicles, baths, sinks, lavatorypans and other sanitary ware in theBuildings

The maximum amount payable inrespect of any one incident is 20% ofthe Contents Sum Insured in any onePeriod of Insurance


- Loss or Damage caused by Fire, Subsidence, Heave of the site beneaththe Buildings, or Landslip

- Loss or Damage to property owned byYou or any member of YourHousehold

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SECTION 3 - PERSONAL POSSESSIONS OUTSIDETHE HOME

This cover does not apply unless shown on The Schedule PARAGRAPH 1 - COVEROnly paragraphs shown in the Schedule are covered


We insure:

Property owned by any member of YourHousehold or for which they are responsibleanywhere within the Geographical Limitsand Worldwide for up to 60 days in anyPeriod of Insurance. Where you have selected Section 7: AnnualTravel, the number of days above is increasedto 180

a Accidental loss of or Damage to Valuables, Clothing and Personal Effects

b Loss of Money used or held solely for private, social or domestic purposes



- Any article used or held for business orprofessional purposes

- Contact lenses, mobile phones, camcorders,hearing aids, china, glass, porcelain articlesand items of a brittle nature, householdgoods and domestic appliances

- Pedal Cycles- Musical instruments used or held for

business or professional purposes

- Camping equipment

- External television satellite receivingequipment

- Securities, certificates (other than savings certificates and documents) of any kind

- Depreciation in value of Money- Loss of Money caused by errors or

omissions in payments, receipts or book-keeping

- Loss of Money not reported to the Gardai within 24 hours of discovery

- Loss of Money used or held for business or professional purposes

A. UNSPECIFIED VALUABLES, CLOTHING AND PERSONAL EFFECTS, PERSONAL MONEY AND SPORTS EQUIPMENT

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We insure: (CONTINUED)

c Accidental loss of or Damage to sportsequipment of Your Household or forwhich they are responsible

B. SPECIFIED ITEMS

We insure:

Accidental loss of or Damage to itemsspecified in the Schedule and owned by anymember of Your Household or for whichthey are responsible anywhere in theGeographical Limits and Worldwide for upto 60 days in any Period of Insurance

Where you have selectedSection 7: Annual Travel, the number ofdays above is increased to 180.

PERSONAL POSSESSIONS OUTSIDE THE HOME

We will not pay for : (CONTINUED)

- Motor vehicles, trailers, Caravans, boats, vessels, aircraft and their respective parts or accessories

- Living creatures

- Loss or Damage while taking part in organised racing (other than on foot) orprofessional sports

- Loss or Damage to equipment whilst in use

You are not insured for :


- Any article used or held solely for business or professional purposes

- Pedal Cycles

- Follow on charges associated with mobile phones

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- Damage caused by cleaning, repairing,restoring or renovating

- Damage solely caused by mechanical,electrical, electronic or computer failures orbreakdowns or breakages

- Loss or Damage caused by nationalisation orconfiscation by any authority

- Loss by deception unless it is only entry intoYour Home that is gained by deception

- Loss or Damage by stealing from a motorvehicle, unless the property is concealedwithin a glove compartment, or locked boot,following forcible and violent entry into asecurely locked vehicle

GENERAL EXCLUSIONS TOSECTION 3

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PARAGRAPH 2 - INFLATIONPROTECTION FOR SECTION 3

Index Linking

The Personal Possessions Sum Insuredmay be adjusted monthly in accordancewith the Durable Household GoodsSection of the Consumer Price Index.

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

These adjustments may not be sufficient foryour needs and therefore you should notrely on this alone to ensure Your PersonalPossessions Sum Insured is adequate. You should periodically review Your ownSums Insured.

PARAGRAPH 3 - CLAIMS SETTLEMENTFOR SECTION 3

Provided the loss or Damage is coveredunder Your Policy, We will settle Yourclaim as explained below subject to themaximum amount payable.

1 a Where the Damage can be economically repaired, includingclothing, We will either arrange orauthorise repair

b Where the damaged or lost item can be replaced with an item of similar quality, We will either arrange orauthorise replacement. If an exactreplacement is not available, We willeither arrange or authorisereplacement with an item of similar quality

c Where We are unable to economically repair or replace the item with an item of similar quality, We will make a cash payment equal to an agreed replacement value

d Where We have offered repair or replacement, butYou prefer a cash settlement, We will pay Youan amount equal to the amount We would have paid had the item been repaired or replaced

2 We may make a deduction for wear, tear and depreciation for clothing

Maximum Amount Payable

The maximum amount payable in respectof any one incident (less any Excess) is:

1 Unspecified Valuables, Clothing, Personal Effectsand Sports Equipment- The Sum Insuredsubject to a maximumamount of €1,000 in respect of any one item

2 Money - € 400

3 Specified Items - The Sum Insured


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SECTION 4 - PEDAL CYCLESThis cover does not apply unless shown on the Schedule

PARAGRAPH 1 - COVER


We insure:

Accidental loss of or Damage to PedalCycles anywhere within the GeographicalLimits and Worldwide for up to 60 days inany Period of Insurance



- Stealing of the cycle or parts of the cycleor accessories whilst outside theboundaries of the land belonging toYour Home unless the cycle is in alocked Building or has been immobilisedby a security device

- Loss or Damage while the cycle is beingused for racing

- Loss or Damage to tyres or accessoriesunless the cycle is lost or damaged atthe same time

- Damage caused by cleaning, repairing,restoring or renovating

- Loss or Damage caused bynationalisation or confiscation by anyauthority

- Damage solely caused by mechanical,electrical, electronic or computer failuresor breakdowns or breakages

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PARAGRAPH 2 - INFLATIONPROTECTION FOR SECTION 4Index LinkingThe Pedal Cycle Sum Insured may beadjusted monthly in accordance with theDurable Household Goods Section of theConsumer Price Index.

No additional premium will be charged forthese adjustments between the anniversarydates of Your Policy, but the renewalpremium will be calculated on the revisedSum Insured as appropriate.These adjustments may not be sufficient foryour needs and therefore you should notrely on this alone to ensure Your PedalCycle Sum Insured is adequate. You shouldperiodically review Your own Sums Insured.

PARAGRAPH 3 - CLAIMS SETTLEMENTFOR SECTION 4Provided the loss or Damage is coveredunder Your Policy,We will settle Yourclaims as explained below subject to themaximum amount payable.

1 Where the Damage can beeconomically repaired, We will either arrange or authorise repair

2 Where the damaged or lost item canbe replaced with an item of similarquality, We will either arrange orauthorise replacement. If an exactreplacement is not available, We willarrange or authorise replacement withan item of similar quality

3 Where We are unable to economicallyrepair, or replace the item with an itemof similar quality, We will make a cash payment equal toan agreed replacement value

4 Where We have offered repair orreplacement, but You prefer a cashsettlement, We will pay You an amountequal to the amount We would havepaid had the item been repaired orreplaced

Maximum Amount PayableThe maximum amount payable in respectof any one Pedal Cycle is the Sum Insured(less any Excess)

PEDAL CYCLES

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SECTION 5 - CARAVANThis cover does not apply unless shown on the SchedulePARAGRAPH 1 - COVER


We will not pay for :- The Excess shown in the Schedule- Loss or Damage while the Caravan is on

a site away from Your Home for morethan 30 days caused by overturning ofthe Caravan by Storm or Flood unless itis securely anchored to the ground at allfour corners of the chassis

- Loss or Damage while the Caravan isbeing used in any motor sport

- Loss or Damage while the Caravan isused as a permanent residence

- Loss or Damage occurring while theCaravan is let out on hire

- Loss or Damage caused by Storm to thetent of a trailer tent or any awning

- Loss or Damage caused by seepage ofwater into the Caravan through seamsor seals

- Loss or Damage caused deliberately byany of Your Household or any personhaving use of the Caravan

- Damage to tyres by application of brakesor by road punctures, cuts or bursts

- Loss or Damage to furniture, furnishingsor utensils caused by malicious Damageor stealing while the Caravan is leftunattended unless the loss or Damageoccurred when Your Caravan waslocked

- The costs of repairing mechanical,electrical, electronic or computer failuresor breakdowns or breakages

We insure the Caravan against:

1 Loss of or Damage within the Republic ofIreland and while temporarily elsewhere,but within the Geographical Limits(including transit between ports) in Yourcustody or control provided that theperiod for which You are outside theRepublic of Ireland, does not exceed 60days in any one period of insurance

2 If there is Loss or Damage which isinsured by this section, We will pay the Reasonable cost of:i) protection and removal to the

nearest suitable repairersii) delivery to Your Home address or

to the Caravan’s permanent site within the Republic of Ireland

3 Loss of Usei) the Reasonable cost of hiring

another Caravan or other alternative accommodation

ii) cost of hiring charges for bookings You have paid prior to the loss or Damage

4 Salvage ChargesAll Reasonable costs and expenses whichYou have to pay to reduce or avoid a losswhich would have resulted in a claimunder this section during the course ofany sea transit

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PARAGRAPH 2 - CLAIMS SETTLEMENTFOR SECTION 2

Provided the loss or Damage is coveredunder Your Policy,We will settle Your claimas explained below subject to themaximum amount payable

1 We will pay the cost of work carriedout in repairing or replacing thedamaged parts of the Caravan

2 If the Caravan is lost or damaged beyond economical repair :i) within 12 months of Your having

purchased it new, We will pay the cost of replacement as new, or at Our option, We will replace as new

ii) Otherwise than in i) We will pay the market value

3 If We know that the Caravan is the subject of a hire purchase agreement, We will pay the owner whose receipt shall be a full discharge

For Furniture, furnishings, utensils andhousehold linen, We will pay the cost of replacement as new, or at Our option, Wewill replace as new except for :

- household linen where a deduction for wear and tear will be made

- items that can be economically repaired (including household linen) where the cost of repair will be paid

By household linen We mean towels, bedand table linen

Sums insured will not be reducedfollowing payment of a claim.

Maximum Amount PayableThe maximum amount payable in respectof any one incident less any Excess is:1. Caravan

- The Sum Insured unless 2 i) above applies

2. Removal and delivery - €3203. Loss of Use - €15 per day subject to €200 in total4 Salvage Charges- No limit

The Excess shown in Your Schedule doesnot apply to 2 or 3.

CARAVAN

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CARAVANPARAGRAPH 3 - THIRD PARTY LIABILITY

We will not pay for liability directly or indirectly arising from:

- Injury, death, disease or illness of anymember of Your Household

- Loss of or Damage to property owned,occupied or in the custody or controlof any member of Your Household

- A Caravan which is used as apermanent dwelling or on hire

- Towing during hire

- An agreement unless the liability wouldhave existed without the agreement

- Injury, death, disease, illness or Damagearising from Your profession or business

- Injury, death, disease, illness or Damagearising from any mechanically propelledvehicle, by which the Caravan is beingtowed or transported

- Injury to any person in Youremployment

- use of a Caravan for commercialpurposes

- use of the Caravan for which Insuranceis compulsory under the Road TrafficActs

- Any incident(s) where We may becomelegally liable to pay under Section 1BUILDINGS PARAGRAPH 5 orSection 2 CONTENTS PARAGRAPH 5or PARAGRAPH 6

You are insured for any amounts which anymember of Your Household become legallyliable to pay in respect of:

l Accidental bodily injury, death, disease or illness of any person arising out of the ownership, possession or use of the Caravan

l Accidental loss of or Damage toproperty arising out of the ownership, possession or use of the Caravan

We will also cover the legal liability of anyother person who is using or has custody ofthe Caravan with Your permission and whois not insured elsewhere

Limit

We will pay:up to €3,000,000 in connection with anyone incident inclusive of any costs, expensesand solicitors’ fees which You have to pay,provided We confirm Our agreement inwriting

If You or a member of Your Householdclaiming should die, You/their legal personalrepresentatives will have the protection ofthis cover

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PARAGRAPH 2 - CLAIMS SETTLEMENTFOR SECTION 6Following insured Damage, We will settleYour claim as explained below:1 Where the Damage can be

economically repaired, We will either arrange or authorise repair

2 Where the damaged or lost item canbe replaced with an item of similarquality, We will either arrange orauthorise replacement. If an exactreplacement is not available, We willeither arrange or authorisereplacement with an item of similarquality

3 Where We are unable to economically repair or replace the item with an item of similar quality, We will make a cash payment equal to an agreed replacement value

4 Where We have offered repair or replacement, but You prefer a cash settlement, We will pay You an amount equal to the amount We would have paid had the item been repaired or replaced

5 For clothing and household linen, Wemay make a deduction for wear, tear and depreciation

6 If the Contents Sum Insured is less than the cost of replacing all the Contents as new, We may make a deduction for wear, tear and depreciation on all items

Maximum Amount PayableThe maximum amount payable in respectof any one incident is 20% of the ContentsSum Insured (less any Excess)

SECTION 6 - HOME OFFICE / SURGERY This cover does not apply unless shown on the Schedule

PARAGRAPH 1 - COVER

The cover provided under Paragraph 1 - Section 2 - Contentsextends to include Office/Surgery Contents in Your Home or its domestic outbuildings

We will not pay for :- The Excess shown in the Schedule- Loss or Damage unless force is used

to gain entry into or exit from Your Home or its domestic outbuildings

- Any loss or Damage specifically excluded elsewhere in Section 2 - Contents

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Insurance is provided for any amountswhich You or any member of YourHousehold become legally liable to pay inrespect of:

l Accidental bodily injury, death, disease orillness of any person arising directly fromthe use of Your Home or its domestic outbuildings as an office or surgery

l Accidental loss of or Damage to property arising directly from the use of Your Home or its domestic outbuildings as an office or surgery

Limit

We will pay:

up to €3,000,000 in connection with any one incident inclusive of any costs,expenses and solicitors fees which You haveto pay, provided We confirm Ouragreement in writing

We will not pay for liability arising directly orindirectly from:

- Any injury, death, disease or illness of any member of Your Householdother than Your Domestic Employees

- Loss of or Damage to property owned or in the custody or control of any member of Your Household

PARAGRAPH 3 - THIRD PARTY LIABILITY

HOME OFFICE / SURGERY

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HOME OFFICE / SURGERYGENERAL EXCLUSIONS TO We will not pay for liability arising PARAGRAPH 3 directly or indirectly from:

If You or a Member of Your Household claiming should die, Your/Their legal personalrepresentatives will have the protection of this Cover

- An agreement unless the liability would have existedwithout the agreement

- The employment, business or profession of anymember of Your Household except as stated in thissection

- The transmission of any communicable disease by anymember of Your Household

- The dispensing of any medicine

- The exercise of professional skills associated withprofessional qualifications

- Injury, death, disease or illness (other than to aDomestic Employee) or Damage arising out ofi the ownership of land or Buildings by any

member of Your Householdii the occupation of land or Buildings by any

member of Your Household other than theBuildings or the lands belonging to the Home

iii the use of horses other than at your addressiv mechanically or electrically propelled or assisted

vehicles (other than motorised gardeningequipment and pedestrian controlled vehicles),lifts, boats (other than hand propelled boats),hovercraft, aircraft, (other than model aircraft),trailers or Caravans owned by or in the custodyor control of any member of Your Household

v ownership, possession, use or discharge offirearms (other than Sporting Guns)

vi ownership, possession, or use of dangerous dogsas specified in regulations made under the “Control of Dogs Act 1986” or amendmentsthereon if such ownership, possession or use isnot in accordance with the provisions of suchregulations

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SECTION 7 - ANNUAL TRAVEL

This cover does not apply unless shown on the Schedule

A separate Wording is enclosed if this cover is applicable

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1 Notification of a ClaimYou must notify Us when Youbecome aware of a claim under YourPolicy as soon as possible. If there hasbeen stealing, attempted stealing,vandalism, loss or any malicious actYou, must tell the Gardai or Local LawEnforcement Agency as soon aspossible.

You must at Your own expenseprovide Us with all details andevidence We reasonably request,including written estimates and proofof ownership and value and it is Yourresponsibility to ensure the accuracyof the claim submitted. Do notdispose of any damaged items untilWe have had the opportunity toinspect them as this may prejudiceYour claim. Any writs, summons, otherlegal documents, letters of claim orother correspondence served on Youor any member of Your Household inconnection with a claim must be sentto Us as soon as possible. You mustnot answer this correspondencewithout Our written consent. We willnot unreasonably withhold Ourconsent.

2 Conduct of the ClaimYou must give Us whateverinformation or assistance Wereasonably request and must notadmit, deny, negotiate or promise topay any claim without Our writtenconsent. We will not unreasonablywithhold Our consent. We may enterany Building where loss or Damagehas occurred and deal with thesalvage.

No property may be abandoned to Us.

3 FraudIf any claim is in any respect fraudulent,or if any fraudulent means or devicesare used by You, any member of YourHousehold or anyone acting on Youror their behalf to obtain benefit underYour Policy, then all benefits underYour Policy will be terminated. We may let the appropriate LawEnforcement authority know aboutthe circumstances. We may declarethe Policy void and we will be entitledto recover from You the amount ofany claim We have already paid underthe Policy.

4 Alteration in RiskYou must notify Us as soon aspossible of any alteration in risk whichmaterially affects Your Policy. Materialinformation would include any specialfeature of Your property or memberof Your Household which makeslosses more likely to happen or moreserious if they do.

We may reassess Your Policy coverand premium following notification ofmaterial information. Failure todisclose all material information mayresult in the wrong terms beingquoted, a claim being rejected orreduced, or Your Policy being invalid.

Where any change to the coverprovided by Your Policy and agreedby Us, results in additional premiumpayable by You to Us of not morethan €25, inclusive of levy, then Wewill not charge You in respect of suchadditional premium.

Where any change to the coverprovided by Your Policy and agreedby Us, results in a premium due to

CONDITIONS WHICH APPLY TO THE WHOLE POLICY

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You from Us of not more than €25,inclusive of levy, then We will notrefund You in respect of such returnpremium.

5 PrecautionsYou and any member of YourHousehold must take all reasonablesteps to prevent or minimise loss,Damage or accident and maintain theinsured property in a sound conditionand good repair

6 Annual Premium CancellationWe may cancel Your Policy. If We cancel Your Policy, We will writeto You at Your last known addressconfirming that all cover will cease 14 days after the date of Our letter.You may cancel Your Policy by givingUs written instructions confirming therequired date of cancellation.If Your Policy is cancelled by You orUs, You may be entitled to a refund ofpremium for any unexpired period ofcover less an amount in respect offixed expenses, if shown on theSchedule, provided no claim has beenmade during the current Period ofInsurance.

7 Monthly Premium CancellationYour premium includes an amount forfixed expenses, if shown on theSchedule, and is non-refundable.You may cancel Your Policy by givingUs written instructions confirming therequired date of cancellation.You should also instruct Your Bank tocancelYour direct debit arrangement.We may cancel Your Policy. If We cancel Your Policy We will writeto You at Your last known address

confirming that all cover will cease 14 days after the date of Our letter.If Your Policy is cancelled by You orUS, You may be entitled to a refund ofpremium for any unexpired period ofcover less an amount in respect offixed expenses, if shown on theSchedule, provided no claim has beenmade during the current Period ofInsurance.If Your Policy is cancelled becauseYour Bank is not prepared to honourYour direct debit arrangement on thedate it becomes due, all cover underthis Policy will cease from such date.We will write to You at Your lastknown address. If Your Policy is cancelled under thisCondition, We will stop applying forYour monthly premium.

8 Other InsuranceWhere a claim is covered under YourPolicy and this claim is covered by anyother insurance, We will only pay Ourrateable proportion.

9 SubrogationBefore or after We pay You or themember of Your Household's claimunder Your Policy, You or themember of Your Household must, ifWe ask you to, take or allow Us totake in Your or the member of YourHousehold's name, all the stepsneeded to enforce Your or YourHousehold's rights against any otherperson, including the defence orsettlement of any claim or the pursuitof a claim in any person's name.

We will pay any reasonable costs andexpenses involved.

CONDITIONS WHICH APPLY TO THE WHOLE POLICY

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We do not insure:1 Matching of Items

The cost of replacing any undamageditem or parts of items forming part ofa set, suite, carpet or other article of auniform nature, colour or designwhere the remaining item or items arestill usable and the loss or Damageoccurs:

• Within a clearly identifiable area or to a specific part and

• Replacements cannot be matched

2 Existing and Deliberate Damage• Any loss or Damage occurring

before cover starts or arising from an event before cover starts

• Loss or Damage caused deliberately by You or any member of Your Household

3 Loss of ValueDepreciation or loss in value ofproperty other than that specified inSection 1 - Buildings, Paragraph 4 -Claim Settlement, sub-Paragraph 2 ifthe claim is to be settled on this basis

4 Wear and Tear, Maintenance,Breakdowns and Gradually OperatingCauses• Wear and tear, rusting or

corrosion• Wet or dry rot, fungus, mildew or

any other gradually operating cause

• Frost (other than bursting of water tanks, pipes or appliances caused by freezing) atmospheric or climatic conditions (other than lightning, Storm, flood or earthquake)

• Damage caused by cleaning, repairing, restoring, renovating or dyeing

• The cost of maintenance and normal decoration

• Failure of double glazing seals• Mechanical, electrical or

electronic computer failures or breakdowns or breakages

• Damage caused by assembling or dismantling of any apparatus

5 Pets, Insects and Vermin• Damage caused by chewing,

scratching, tearing or fouling by domestic pets

• Damage caused by vermin and insects

6 Loss by DeceptionLoss by deception unless it is onlyentry into Your Home that is gained by deception

7 Defective and Faulty Workmanship• Loss or Damage caused by faulty

workmanship• Loss or Damage caused by

defective design or the use of defective materials

EXCLUSIONS WHICH APPLY TO THE WHOLE POLICY

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8 Business Use• Property used or held for business

or professional purposes other thanBusiness Equipment and Contentsspecified in Section 6 - Home Office / Surgery

• Money used or held for business orprofessional purposes

9 Money, Credit, Charge, Cheque, Debitand Cash Card Losses• Loss of Money not reported to the

Gardai within 24 hours of discovery

• Losses of cards not reported to theissuing organisation within 24 hoursof discovery

10 Consequential LossesConsequential loss of any kind ordescription incurred by You or anymember of Your Household

11 Radioactive Contamination,Terrorism and War RisksAny loss of or Damage to property,legal liability, expense, consequentialloss or bodily injury which is directly orindirectly caused by or arising from orcontributed to bya) ionising radiations or

contamination by radioactivity from any irradiated nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or anyother source

b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof

c) war, invasion, act of foreign enemy, hostilities or warlike operation (whether war be declared or not), civil war,

rebellion, revolution, insurrection, civil commotion assuming the proportions of or amountingto an uprising, military or usurped power

d) any act of terrorismFor the purpose of this Exclusionan act of terrorism means an act,including but not limited to the useof force or violence or the threatthereof, of any person or group(s)of persons, whether acting alone oron behalf of or in connection withany organisation(s) orgovernment(s), committed forpolitical, religious, ideological orother purpose including theintention to influence anygovernment or to put the public, orany section of the public, in fear

e) any action in controlling, preventing, suppressing or in any way relating to c) or d) above

f) the release or threat of release of germs, disease or other chemicals or biological contagions or contaminants

g) the use or threat of use of any nuclear device or radioactive substance

If the Company alleges that by reasonof this Exclusion any liability, loss,Damage, cost or expense is notcovered by this Policy the burden ofproving the contrary shall be Yours.In the event any portion of thisExclusion is found to be invalid orunenforceable, the remainder shallremain in full force and effect.


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12 Sonic BangsLoss of or Damage caused by pressurewaves from aircraft or other aerialdevices travelling at sonic orsupersonic speed

13 Property Excluded or MoreSpecifically Insured• Property more specifically insured

by another policy• Motor vehicles, trailers, caravans

(not specified in the Schedule),boats, vessels, hovercraft, aircraftand their respective parts oraccessories while attached otherthan motorised gardeningequipment

14 ConfiscationLoss or Damage by delay, confiscation,detention, seizure or any attemptthereat by any lawful authority

15 Electronic DataAny loss, Damage, breakage ordestruction to any property orconsequential loss or liability directlycaused by or contributed to by orarising from

– the failure or inability of anyelectronic equipment to correctlyrecognise any data, correctly capture,save, retain, manipulate, interpret orprocess any data information,command or instruction whether ornot such had been programmed intothe equipment

– interruption of or interference withdata in electronic equipmentresulting in the loss, destruction orcorruption transmission orcorruption of data

– the transmission or impact of anyVirus, Worm, Logic Bomb, TrojanHorse or the like

– unauthorised access to a system ordata

Definitions for the purpose of thisexclusion: Data means informationrepresented or stored electronicallyincluding but not limited to code,series of instructions, operatingsystems, software programs andfirmware

16 Pollution or contaminationAny loss or Damage of any kindcaused directly by pollution orcontamination which

a) was the result of an intentional actor

b) was not caused by a suddenincident or

c) did not occur during any Period ofInsurance


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"WHAT DO I DO IF MY PROPERTY ISLOST OR DAMAGED?"Naturally We hope you won't have anyaccidents or misfortune, but if you do, thefollowing advice might be useful.

• Take any emergency action which maybe necessary to protect your propertyfrom further Damage e.g. switch offthe gas, electricity and water. If youhave to arrange for a contractor tocarry out emergency work, pleasekeep the repair account which We willneed to see.

• Telephone us or your usual insuranceadviser immediately for advice onpolicy cover and how to proceed withyour claim. We would be pleased tohear from you.

• Check your policy wording carefully, tosee if the loss or Damage is covered.Your policy lists the events (e.g. stormor stealing) which are covered and notcovered and also any generalexclusions or conditions which applyto your whole Policy.

• Remember that your policy is not amaintenance contract and does notcover any loss or Damage caused bynormal wear and tear - no InsurancePolicy does.

• We have arranged a 24 hourEmergency Helpline Service to giveyou immediate access to the expertswho will solve your emergency.Call 01 - 832 8756 any time.

• Please do not dispose of damageditems or carry out any repairs beforeWe have had the opportunity toinspect them.

• Report any incident involving loss,stealing, malicious Damage or hit andrun Damage to the Gardai or LocalLaw Enforcement Agency.

• If someone is making a claim againstyou or any of your household for anyinjury to them or Damage to theirproperty, you must send us full details,in writing, immediately. Any letters orlegal documents you receive should besent to us, unanswered, without delay.It is most important that you leave usto deal with the matter on your behalfand do not get involved in anycorrespondence or conversation withthe other person.

MAKING A CLAIM

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"HOW WILL RSA DEAL WITH MYCLAIM?"

Our aim is to deal with your claimpromptly, efficiently and fairly. At all timesWe will try to provide you with the higheststandard of service. If you have anycomment or complaint or if our service hasnot met your expectations please do let usknow.

Depending on the type of claim and valueinvolved We may:

• Contact you by telephone or letter toprogress your claim.

• Arrange for one of our claims team topersonally call on you.

• Appoint a Loss Adjuster to deal withyour claim on our behalf.

• We may appoint Our Managed RepairNetwork of Building Contractors tocomplete the works and We will takeresponsibility for the satisfactorycompletion of such works completedby them.

MAKING A CLAIM

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DATA PROTECTION NOTICERSA Insurance Ireland DAC recognise thatprotecting personal information includingsensitive personal information, is veryimportant and we recognise that you havean interest in how we collect, use and sharesuch information.

Please read the following carefully as itcontains important information relating tothe information that you give us or hasbeen provided to us on your behalf. If youprovide information relating to anyoneother than yourself, you are responsible forobtaining their consent to the use of theirdata in the manner outlined below.

What Does RSA do with Your PersonalDataInformation you provide will be used byRSA for the purposes of processing yourapplication and administering yourinsurance policy. RSA may need to collectsensitive data relating to you (such asmedical or health records or convictions) inorder to process your application and/orany claim made.

All information supplied by you will betreated in confidence by RSA and will notbe disclosed to any third parties except (a)to our agents, sub-contractors and re-insurers (b) to third parties involved in theassessment, administration or investigationof a claim, (c) where your consent has beenreceived or (d) where permitted by law. Inorder to provide you with products andservices this information will be held in thedata systems of RSA or our agents orsubcontractors.

RSA may pass your information to othercompanies for processing on its behalf.Some of these companies may be based

outside the EEA, but in all cases RSA willensure that its transfers of data are lawfuland that your information is kept securelyand only used for the purposes for which itwas provided.

Calls to RSA may be recorded for qualityassurance or verification purposes.

Fraud Prevention, Detection & ClaimsHistoryIn order to prevent and detect fraud andthe non-disclosure of relevant informationRSA may at any time:

• Share information about you withcompanies within the RSA InsuranceGroup, other organisations outside theRSA Group including where applicableprivate investigators and public bodiesincluding An Garda Síochána;

• Check and / or file your details withfraud prevention agencies anddatabases, and if you give us false orinaccurate information and we suspectfraud, we will record this.

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

provision and administration of insurance and related services for youand members of Your Household;

• Trace debtors or beneficiaries, recoverdebt, prevent fraud and to manageyour accounts or insurance policies;

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

• Undertake credit searches andadditional fraud searches.

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Insurance Link DatabaseInformation about claims (whether by ourcustomers or third-parties) made underpolicies that we provide is collected by uswhen a claim is made and is placed on aninsurance industry database of claimsknown as Insurance Link. This informationmay be shared with other insurancecompanies, self insurers or statutoryauthorities. This information includes theclaimant’s name, address and date of birthand the type of injury or loss suffered.

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. when required, to act as a basis for investigating claims when our recorded information is incorrect or when wesuspect that insurance fraud is being attempted.

The purpose of Insurance Link is to help usidentify incorrect information andfraudulent claims and, therefore, to protectcustomers. RSA also reserve the right touse Insurance Link information atunderwriting stage. More information aboutInsurance Link can be found atwww.inslink.ie

Guidelines for sharing your informationwith other insurance companies, self-insuring organisations or statutoryauthorities are contained in the DataProtection Commissioner’s Code ofPractice on Data Protection for theInsurance Sector which is available atwww.dataprotection.ie.

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

How to contact usOn payment of a small fee you are entitledto receive a copy of the information wehold about you and to seek rectification ofany inaccurate data. If you have anyquestions, or you would like to find outmore about this notice you can write tothe Data Protection Officer, RSA InsuranceIreland DAC, Dundrum Town Centre,Sandyford Road, Dundrum, Dublin 16.

ConsentBy providing Us with Your information Youconsent to all ofYour information beingused, processed, disclosed and retained asset out above

53

DATA PROTECTION NOTICE

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INDEXCredit Cards 24, 27

Cycles 7, 32, 33, 36, 37

DData Protection Notice 52, 53

Debris Removal 8, 15

Deception 20, 34, 47

Deeds 23, 27

Definitions 3, 5-8, 49

Depository 23, 25

Documents 6, 7, 32, 45, 50

Domestic Employee 5, 6, 8, 28, 29, 42, 43

Drives 5, 10

EEarthquake 9, 19, 47

Excess 6, see Schedule

Exclusions, General 47-49

Explosion 9, 19, 25

FFatal Accident Benefit 25, 27

Faulty Workmanship/Design 10, 47

Fees 6, 13, 15, 16, 28, 40, 42

Fences 5, 10, 17, 30

Fire 9, 13, 15, 19, 25, 27, 31

Fire Brigade Charges 13, 15, 25, 27

Flood 10, 20, 23, 38, 47

Footpaths 5, 10

Freezer Contents 22, 27

Fridge Contents 22

Frost Damage 10, 47

Fungus 47

Furs 6, 8, 26

GGarage 22

Gates 5, 10

Greenhouse 5

HHeating Installation 9, 12, 19, 23, 24

AAccidental Damage

- Buildings 11, 12

- Contents 21, 23, 31

Aerials 5, 9, 19, 27

Aircraft 5, 9, 19, 29, 33, 43, 49

Alternative Accommodation 22, 27, 38

Asbestos 5, 18, 29

Asbestos Containing Materials 5, 18, 29

Asbestos Dust 5, 18, 29

BBank Safe Deposit 23

Betterment 5, 15, 26

Buildings 44

Business Equipment 5, 6, 21, 27, 48,

CCancellation 46

Caravan 5, 38-40, 43, 49

Christmas Gifts 24, 27

Claims Settlement

- Buildings 15

- Contents 26

- Personal Possessions 35

- Pedal Cycles 37

- Caravan 39

- Home Office / Surgery 41

Clothing 5, 7, 26, 32, 35, 41

Conditions

- Claims 45, 46

- Policy 45, 46

Contact Lenses 32

Contents

- in the Garden 5, 22, 27

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Heave 6, 10, 20, 31

Hedges 5, 10

High Risk Items 6, 27

Household 3, 5, 6, 7, 8, 10, 11, 13, 16, 19-24, 26,

28-33, 35, 37-43, 45-48, 50, 52

IImpact 9, 19, 49

Inflation Protection

- Buildings 14

- Contents 26

- Pedal Cycles 37

- Personal Possessions 35

JJewellery 6, 8

Jury Service 24, 27

KKeys 22

LLandslip 7, 10, 20, 31

Liability

- Occupier 5, 16, 28

- Owner 16, 17, 18

- Tenant 31

- Caravan 5, 29, 33, 38-40, 43, 49

- Home Office / Surgery 41-43

Lightning 9, 19, 25, 47

Limits 6, see Schedule

Local Authority Requirements 7, 15

Locks 22, 27

MMalicious Damage 38, 50

Money 5, 6, 7, 20, 21, 22, 27, 32, 35, 48, 52

Musical Instruments 21, 32

OOffice - Home 41-43, 48

Oil Loss 23

Outbuildings 5, 10, 19-22, 41, 42

P

Patios 5, 10

Paying Guests 6, 11, 17, 20, 21, 25, 29

Personal Effects 5, 7, 25, 27, 32, 35

Personal Possessions 7, 21, 32-35

Pets 47

Pictures 6, 8

RRent 22, 27

Riot 10, 19

SSale of the Home 12

Sanitary Fixtures 5

Satellite Dish Aerials 5, 9, 15, 19, 27, 32

Smoke 9, 19

Sports Equipment 7, 32, 33, 35

Stealing 11, 20, 23, 34, 36, 38, 45, 50

Storm 8, 10, 20, 23, 38, 47, 50

Subsidence 8, 9, 10, 20, 31

Sums Insured 14, 26, 35, 37, 39, see Schedule

Surgery Insurance - Home 41-43

Swimming Pools 5, 10

TTanks 47

Tenants Liability for Damage 31

Tennis Courts 5, 9, 10

Trace and Access 13, 15

Transit - Contents 25, 38

Travellers Cheques 7

Trees 5, 9, 17, 19, 30

UUnderground Pipes and Cables 12, 31

VValuables 5, 7, 8, 32, 35

Vandalism 45

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RSA, RSA House, Dundrum Town Centre, Sandyford Road, Dundrum, Dublin 16. Telephone: 1890 290 100 Facsimile: (01) 290 1001

RSA is a registered business name of RSA Insurance Ireland Designated Activity Company (DAC). RSAInsurance Ireland DAC trading as RSA is regulated by the Central Bank of Ireland and is a private companylimited by shares registered in Ireland under number 148094 with registered office at RSA House, Dundrum

Town Centre, Sandyford Road, Dundrum, Dublin 16.

RS/HH2008 (09/16)

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