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Householder

Plan

Allianz p.l.c.,

Allianz Hou

se,

Elmpark,

Merrion

Road,

Dub

lin 4.

Teleph

one:

(01) 613

300

0

Fax:

(01) 660

163

0Em

ail:

[email protected]

Website:

www.allianz.ie

Allianz p.l.c. is regulated by the Central Bank of Ireland. Registered in Ireland No. 143108

Calls m

ay be recorded or mon

itored for regulatory, training and quality purposes.

50 SCH 07.15 KD

Householder Plan

Contents

Page

2 Introduction

3 Definitions

Section 1:

5 Premises & Contents

10 Additional Benefits

18 Liability to Others

Section 2:

21 All Risks Cover

Section 1 & 2:

23 Loss Settlement Basis

Section 3:

24 Caravan/Mobile Home

26 Small Craft

28 Terms and Conditions

31 General Exclusions

33 Endorsements

Useful Information:

35 (1) Safety Precautions

37 (2) Making a Claim

38 Consumer Information

Introduction

We are very pleased to introduce Youto the EBS Householder Plan InsurancePolicy (underwritten by Allianz) andthank You for insuring with Us.

Please read this Policy carefully toensure that it provides the cover Yourequire. If the Schedule details do notagree with the details completed onyour Proposal Form then please returnit immediately with a note of thechanges that should be made.

Please advise immediately if the use ornature of your Premises changes or ifYou do anything which may affect ourattitude to the cover provided – forexample building an extension, re-roofing, etc.

The reinstatement value of yourPremises shown in the Schedule isindex linked but You should review thisfrom time to time to make sure itrepresents the full rebuilding cost,including the cost of professional feesand site clearance.

This Policy (which includes and shallbe read as one document with theSchedule, Endorse-ments, ProposalForm and Declaration), evidences acontract of insurance between youand Allianz p.l.c.

We will, subject to the terms,conditions, limitations and exclusionsof this Policy, indemnify You againstloss, damage or legal liability whichoccurs during any Period of Insurancefor which You have paid or agree topay the premium.

Aidan HanrattyMember of the Board of Management Director Underwriting

2

Allianz p.l.c. is regulated by the Central Bank of Ireland. Registered in Ireland, No. 143108

Householder Plan

3

Definitions

Any word or expression, which is given aspecific meaning in this Policy, will havethe same meaning wherever it appears.

The Insured/YouThe person(s) named on the Scheduleunder Insured.

We/Us/The CompanyAllianz p.l.c.

PremisesThe Premises is defined as the PrivateHouse, occupied for residential purposesonly, built with brick, stone or concreteand roofed substantially with slates, tiles,or other incombustible materials (thePrivate House) and domesticoutbuildings, garages, swimming poolsand tennis courts, including fixtures andfittings therein and thereon, fuel storagetanks and their contents, terraces, patios,driveways, footpaths, walls, gates andfences, lawns, hedges, trees, shrubs andplants all situate as stated in the Schedule.

ContentsHousehold goods and Personal Effectsbelonging to You (or for which You arelegally responsible) or belonging tomembers of your Household andDomestic Employees permanentlyresiding with You, all in the Private Houseand domestic outbuildings.

Money is included up to a maximum of €650.

Any one High Value Item is covered fornot more than 10% of the Contents SumInsured and the total of these items iscovered for not more than 50% of the

Contents Sum Insured unless details havebeen advised to Us and are listed on theSchedule.

Home office equipment i.e. personalcomputers, printers, facsimile, telephoneanswering machines and the like, isincluded for an amount of €3,810 in anyone Period of Insurance.

Excluding:• Property otherwise insured.• Motor vehicles, (other than

mechanically propelledlawnmowers), marine craft, caravansand trailers, aircraft or parts, keys oraccessories of, on or in any of them.

• Animals and livestock.• Deeds, bonds, securities for money,

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

Domestic EmployeeAny employee of the Insured carrying onsolely private domestic duties inconnection with the Premises (includingrepair, maintenance or decoration).

EndorsementAny alteration to this Policy wording.

ExcessThe amount of any loss You must payyourself.

High Value ItemsAny item, set or collection of jewellery,precious metal, picture, other work of art,furs, stamps, coins, and other such items,sets and collections.

Householder Plan

Definitions

HouseholdYou and others permanently residingwith You other than paying guests.

MoneyBanknotes, coins, cheques, bank drafts,postal or money orders, stamps (notforming part of a collection), savingsstamps and Certificates, premium bonds,gift tokens, luncheon vouchers & traveltickets.

Period of InsuranceThe period shown on your Schedule andany subsequent period for which Weaccept a renewal premium.

Personal EffectsArticles normally worn or carried on theperson.

UnfurnishedNot adequately furnished or equipped fornormal living purposes.

UnoccupiedNot lived in by a member of yourHousehold or any other personauthorised by You.

All other definitions as detailed in the Policy.

4

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What Your Policy Covers Excluding Loss or Damage

5

Section 1: Premises and Contents

The CoverWe will indemnify You by payment or, at our option, by reinstatement, replacement orrepair, for loss or damage by any of the causes listed in paragraphs numbered (1) to(12), to the Premises and/or Contents, subject to the terms, limitations, exceptions andexclusions set out in this Policy.

In the event of a loss in respect of Premises or Contents our maximum liability is limitedto the Sums Insured stated in the Schedule or endorsed thereon, less the amount of theExcess stated in the Schedule in respect of each loss, except where indicated within thePolicy wording.

1) Fire, explosion, lightning,earthquake and thunderbolt

2) SmokeMeaning direct damage fromsmoke including the sudden,unusual or faulty operation of anyoil, gas, electric domestic heateror domestic cooking appliancelocated within the Premises.

3) Storm or flood

4) Freezing, escape or overflow ofwater from within any plumbingor heating system, fixed waterapparatus or fixed domesticappliance

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

smudging or industrial operations.

• to fences and gates, lawns, hedges,trees, shrubs and plants, except as a direct result of damage to the Private House by storm or flood,

• by frost,• to roofs constructed with

torch-on felt exceeding 10 years ofage, or other felt exceeding 5 yearsof age.

• while the Private House isUnfurnished,

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

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NOTE: For exclusions which apply to the whole of your Policy see General Exclusions – Pages 31 - 32


6


5) Stealing (or attempted stealing)

6) Escape or overflow of oil from within any plumbing or heating system or fixed domestic appliance

7) Impact by aircraft, aerial devicesor articles dropped from them,rail vehicles, road vehicles oranimals

8) Falling trees and branches and/orexternal television/radio aerials,masts and satellite dishes


• where the Private House has beenUnoccupied for more than 35consecutive days immediately priorto the loss or damage,

• when any part of the PrivateHouse is lent, let, sub-let or accommodating paying guests unless involving entry or exit byforcible or violent means.



• to Contents caused by animalsowned by You or a member of yourHousehold.

• caused by felling of trees or loppingof branches,

• to hedges and fences,• arising from the cost of removing

fallen trees unless they haveotherwise resulted in a valid claimunder the Policy.

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7


9) Riot, civil commotion, strikers, locked-out workers or persons taking part in labour disturbances

10) Malicious damage andvandalism

11) Subsidence or heave of the site on which the Private House stands or landslip

• to boundary walls, hedges, tenniscourts, gates, fences, terraces, patios,drive-ways, footpaths, swimmingpools, lawns, trees, shrubs and plants.

Other than by malicious fire andexplosion:

• by any person lawfully on thePremises or any person invited ontothe Premises by You or a member ofyour Household,


• where the Private House has beenUnoccupied for more than 35consecutive days immediately prior tothe loss or damage,

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

• resulting from demolition,structural alteration or structuralrepair,

• resulting from faulty workmanship,defective design, the use ofdefective materials, settlement ofnewly made up ground and coastal,lake or river erosion,

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8


11) Subsidence or heave of the siteon which the Private Housestands or landslip(continued)

12) Accidental damage (where indicated as covered in the Schedule)

• to boundary walls, gates, fences,terraces, patios, driveways,footpaths, swimming pools andtennis courts unless the PrivateHouse is damaged at the sametime by this cause,

• resulting from the bedding downof any structure,

• to solid floor slabs or loss ordamage resulting from themovement thereof unless thefoundations beneath the externalwalls of the Private House aredamaged by the same cause andat the same time,

• to the Contents unless the PrivateHouse is damaged simultaneously.

Also excluding the first €630 of eachand every loss

• to the Premises other than to thePrivate House,

• to any part of the Private Housewhich is lent, let, sub-let, oraccommodating paying guests,

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

care custody or control of You ormembers of your Household,

• caused by scratching, abrading ordenting,

• caused by faulty workmanship,defective design, the use ofdefective materials or loss ordamage resulting from them,

• to pottery, porcelain, terracotta,glass or other brittle articles, whilebeing handled or actively used,

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9


12) Accidental damage (continued)(where indicated as covered in the Schedule)

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

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

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

any exclusion or limitation set outin this Policy including, but notlimited to, Paragraphs (1) to (11).

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10

Section 1: Additional Benefits

Alternative accommodationWe will pay for:a) reasonable additional expenses

necessarily incurred by You, withour consent, for alternativecomparable accommodation forYou and members of yourHousehold,

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

liable,d) rent which continues to be payable

by You,e) the reasonable cost of temporary

storage of Contents,as a result of the Premises beingrendered uninhabitable followingdamage by an insured cause. Theexpense is limited to the periodnecessary for reinstatement and thetotal amount payable is limited to 15%of the combined Premises andContents Sums Insured.

Architects/Surveyors feesArchitects/Surveyors and Legal Feesnecessarily and reasonably incurred,with our consent in the reinstatementof the Premises following loss ordamage covered by this Policy.

Audio and audio visual equipment –applicable only if accidental damageto Contents is not includedWe will pay the cost of replacing orrepairing equipment if accidentallydamaged whilst in the Private House.The maximum We will pay for any oneloss is €1,300.

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

• caused by animals owned or in thecare custody or control of You ormembers of your Household.

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Breakage of fixed glass and sanitaryfittingsAccidental breakage of:

(i) fixed glass in doors, windows,skylights, fanlights and verandas,

(ii) fixed wash-hand basins, fixedbaths, cisterns, fixed sanitaryfittings and fixed shower units,

(iii) fixed glass in furniture, hobs andmirrors.

ChristmasThe Contents Sum Insured isautomatically increased by 10% duringthe months of December and January.

Clean up expensesVouched expenses incurred to clean up(but not to landscape), followingescape of oil from any fixed domesticsystem or appliance will be paid,subject to a maximum amount of€2,000.

Compensation for death of insuredand/or spouseWe will pay €3,200 in the event ofdeath by accident, as a result of:

(1) fire, explosion, lightning or assaultby thieves on the Premises,

(2) travelling as a passenger by train,bus, licensed taxi or hackney,

(3) assault in the street, where deathoccurs within three calendarmonths of such accident.

• to any item broken or cracked atthe commencement of thisinsurance,

• to swimming pools,• while the Private House is

Unfurnished,• where the Private House has been

Unoccupied for more than 35consecutive days immediately priorto the loss or damage,

• to hand mirrors.



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12


Contents in the openWe will indemnify You, up to anamount of €650, for loss or damage byan insured cause, other than accidentaldamage (irrespective of whether coveris indicated in the Schedule), toContents in the open within theboundaries of your Premises.

Debris removal costsWe will pay for the cost of debrisremoval, demolition and/or shoringup costs necessarily incurred with ourconsent following loss or damage tothe Premises by an insured cause.

Door locks replacement We will pay the cost of replacingexternal door locks and keys of yourPremises, specified in the Schedule,where the keys of such locks havebeen stolen following a break-in at thePrivate House or following an assaulton You or a member of yourHousehold.

Fire brigade chargesWe will pay the cost of the chargesmade on You by a local authority (as permitted by legislation) for Fire Brigade attendance, as a result of any incident which is insured byyour Policy.

The maximum amount payable willbe €2,000.

• for any amount in excess of €125to any bicycle.

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13


Fraudulent use ofCredit/Debit/Charge/Cheque orCash CardsWe will indemnify You up to amaximum of €1,300 in any Period ofInsurance, in respect of all claimsresulting from the loss of acredit/debit/charge/cheque and/orcash card belonging to You, or yourspouse and subsequent fraudulentuse by any unauthorised person.

Freezer and refrigerator contents We will indemnify You up to amaximum of €650 by payment or, atour option, by replacement for loss ordamage to food in your deep freeze &refrigerator caused by any of thefollowing events.

(1) Rise or fall in the temperature.

(2) Contamination by refrigerationfumes.

resulting from;

(i) accidental damage to theappliance,

(ii) failure of the appliance due to itsown defect,

(iii) accidental failure of the publicsupply of electricity.

• following non-compliance with theterms and conditions of the cardprovider regulations,

• where the loss of the card is notreported to the Gardai or Policeand the card provider upondiscovering that it is missing,

• following unauthorised use by anymember of your Household.

• due to any deliberate act by You orthe Electricity Authority,

• due to any consequence of strikes,labour or political disturbances.

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14


Household removal Loss or damage to Contents whilst inthe course of removal only by aprofessional furniture removalcontractor from the Premises to yournew permanent residence in Ireland.

Paying guestsPermission is given for not more than6 paying guests (at any one time) tobe kept in the Private House.

Public authorities requirements costsWe will pay the cost of complyingwith any Government, Local Authority,Building or other Regulation to theextent that these apply to parts of thePremises damaged by an insuredcause (but not where notice has beenserved on You prior to the occurrenceof the loss or damage).

Purchaser’s interestIf You have contracted to sell thePremises, the contracting purchaserwill have, at your request, the benefitof this Section up to the date ofcompletion of the sale. This extensiononly applies if the Premises is nototherwise insured and shall notprejudice your or our rights.

• to property while in storage awayfrom removal vehicle,

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

porcelain, terracotta or other brittlearticles unless they have beenpacked for removal by professionalpackers,

• caused by scratching, abrading ordenting.

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15


Reinstatement of sum insured after lossThe Sums Insured will not be reducedby the amount of any loss.

Satellite dishes, television/radioaerials and masts We will indemnify You for loss ordamage to external satellite dishes,television/radio aerials and masts notexceeding 30 feet in height butsubject to a maximum amount of€1,300 any one loss.

Service pipes and cablesWe will indemnify You for accidentaldamage to service pipes and cablesfor which You are legally responsible.

ShoppingWe will pay for loss or damage tofood and other goods while You, or amember of your Household, aretransporting them from the shopwhere bought to the Premisesspecified in the Schedule subject toa maximum amount of €320 anyone loss.

• by theft or attempted theft fromany unattended vehicle unless;

a) all windows, including sunroof, and doors are securely locked,

b) the property is completely concealed within a closed compartment or locked boot.

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16


Temporary removal of propertyLoss of or damage to Contents by aninsured cause while temporarilyremoved from your Private House butremaining in the Republic of Ireland,Northern Ireland, Great Britain, theChannel Islands or the Isle of Man.In the event of loss or damage theamount recoverable will be limited to15% of the Sum Insured on Contents.

Title deeds The cost of preparing new title deedsto the Premises if they are lost ordamaged while in the Private Houseor in your bank for safe-keeping. Themaximum amount payable is €650.

Trace and accessWe will pay up to €650 to remove orreplace any part of the Premisesnecessary to repair any fixed domesticwater or heating installation wherewater or oil has escaped.

• by storm or flood to property intransit or in the open,

• by accidental damage,• to property otherwise insured,• to property removed for sale or

exhibition or to furnituredepositories,

• by stealing or any attempt thereatother than

(i) from any Bank, Safe Deposit or occupied house,

(ii) from any building where You or any member of your Household is temporarily staying,

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

(iv) during removal to or from any Bank or Safe Deposit while in the custody of You or a member of your Household.

• to the item from which the escapeoccurred,



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17


Visitors and guests property

Loss or damage to the property ofvisitors and guests by an insuredcause is included up to a limit of€1,300 any one loss.

Wedding gifts

The Contents Sum Insured isautomatically increased by 10% for aperiod of one month before and onemonth after the wedding day of Youor a member of your Household.

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18

Section 1: Liability to Others

Liability to Domestic EmployeesWe will indemnify You against allsums which You shall become legallyliable to pay as employer for death,bodily injury or illness to any DomesticEmployee while in your employmentin connection with the Premises. Theamount payable in respect of any oneevent or series of events constitutingone occurrence shall not exceed€3,175,000 inclusive of all legal feesand other expenses.

Liability to othersWe will indemnify You against allsums which You shall become legallyliable to pay

a) as owner and/or occupier of thePremises,

b) in a personal capacity within theRepublic of Ireland, NorthernIreland, Great Britain, Isle of Man,Channel Islands or elsewhere inthe world in the course of a visitnot planned to last more than 60consecutive days,

for

(i) death, bodily injury or illness toany person other than

• members of your Household

• employees of You or ofmembers of your Household,

(ii) accidental damage to propertyother than property belonging toor under the control of

• You

• any action for damage brought in aCourt of Law outside the Republic ofIreland,

• any agreement unless liability wouldhave otherwise applied,

• death, bodily injury or illness causedto other members of yourHousehold.

• the ownership, possession or use ofany mechanically propelled vehicle,horse-drawn vehicle or craft. Thisdoes not apply to mechanicallypropelled lawnmowers being used atyour Premises – PROVIDED that thisextension shall not apply to orinclude any liability which iscompulsorily insurable under anyRoad Traffic Acts or amendingstatutes,

• the ownership, possession or use ofany animal, but this exclusion doesnot apply to ponies, saddle horses,domestic cats and dogs (other thandangerous dogs, as specified inRegulations made under the Controlof Dogs Acts or amendmentsthereto, unless such dogs are, at alltimes, muzzled, under effectivecontrol, and capable ofidentification.),

• the ownership of any land or buildingother than the Premises specified inthe Schedule,

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19


• members of your Household• employees of You or members of

your Household caused by• You• members of your Household

(other than Domestic Employees)• Domestic Employees in the

course of their employment inconnection with the Premises.

We will also indemnify, in like manner,members of your Household.The amount payable in respect of anyone event or series of eventsconstituting one occurrence will notexceed €3,175,000 inclusive of alllegal fees and other expenses.

• the occupation of any land orbuilding other than;

(i) the Premises specified in theSchedule,

(ii) temporary holidayaccommodation,

• any profession, trade or businessother than the provision of;(i) a child minding facility at the

Premises for not more than 2children,

(ii) accommodation for payingguests as detailed and subject tothe limit set out within thisPolicy or any amendingEndorsement,

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

discharge of any firearm other thanfirearms licensed for sportingactivities,

• any contract which imposed on Youliability which You would nototherwise have been under,

• dangerous implements (e.g.chainsaws, blowtorches, kangohammers, welding equipmentand/or any equipment necessitatingthe use of protective clothing)which are being used other than atthe Premises as described in theSchedule,

• or arising from work of aconstruction or reconstructionnature or structural alterations ordemolition,

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In the event of your death We will, inrespect of liability incurred by You,indemnify your personalrepresentatives in the terms of andsubject to the limitations set out,provided that such personalrepresentatives will, as though theywere the Insured, observe, fulfil andbe subject to the terms, exceptionsand conditions of the Policy insofar asthey can apply.

• the transmission of anycommunicable disease by You orany member of your Household.

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Section 2: All Risks CoverN.B. This insurance only applies when All Risks Sum Insured is shown on the Schedule.

The coverWe will indemnify You by payment or,at our option, by reinstatement,replacement or repair, for loss ordamage caused to:

(1) Any item specified in theSchedule up to a maximum of theSum Insured shown against theitem.

(2) Jewellery, PhotographicEquipment, Personal Effects,Clothing and Sports Equipmentup to a maximum of theUnspecified All Risks Sum Insuredshown on the Schedule (limit€2,000 any one item) includingPersonal Money up to a limit of€650 and Bicycles up to a limit of€320 in any one Period ofInsurance.

• to camping equipment, documentsof any kind and household goods,

• by stealing of any bicycle, (or of itstyres, accessories or fittings) leftboth unlocked and unattendedaway from the Premises,

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

• to tyres, accessories or fittings ofany bicycle unless the bicycle isdamaged at the same time,

• by stealing or attempted stealingfrom any unattended vehicle unless;a) all windows, including

sunroof, and doors are securely locked,

b) the property is completely concealed within a closed compartment or locked boot,

• to sports equipment while in use,• caused by animals owned or in the

care custody or control of You ormembers of your Household,

• to pottery, porcelain, terracotta,glass or other brittle items otherthan by fire and stealing.

21

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Section 2: All Risks Cover

We will deduct the amount of the Excess stated in the Schedule in respect of each lossOTHER THAN for Money, Clothing, Personal Effects, Sports Equipment and itemsspecified in the Schedule.

Geographical LimitsThe cover provided by this Section applies to insured property in the Republic of Ireland,Northern Ireland, Great Britain, the Channel Islands and the Isle of Man, and for notmore than 60 days in any one Period of Insurance while elsewhere in the world.

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Section 1 & 2: Loss Settlement Basis

Premises

Any admitted claim will be settled on a new for old basis (without deduction for wear,tear or depreciation), provided:

(i) the Premises have been maintained in good repair,

(ii) repair or replacement is carried out without undue delay.

Otherwise, claims will be settled on an indemnity basis with an appropriate deductionfor wear, tear and depreciation.

Contents and All Risks

Any admitted claim (excluding claims for household linen, wearing apparel, sportingequipment and bicycles) will be settled on a new for old basis as follows:

(i) TOTAL LOSS or destruction will be settled without deduction for wear, tear ordepreciation,

(ii) PARTIAL LOSS will be settled by payment of the cost of repair (if repairs can bemade) and subject to this cost not exceeding the replacement value of theproperty as new,

(iii) ALL claims for household linen, wearing apparel, sporting equipment and bicycleswill be settled on an indemnity basis i.e. deduction will be made for wear, tear anddepreciation.

Subject otherwise to the terms and conditions of the Policy.

Limit of Liability

In the event of a loss in respect of Premises, Contents and/or All Risks our maximumliability is limited to the Sums Insured stated in the Schedule or endorsed hereon.

We will deduct the amount of the Excess stated in the Schedule in respect of each loss,except where indicated within the Policy wording.

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Householder Plan


Section 3: Caravan / Mobile HomeN.B. This Section only applies when a Sum Insured for this cover is shown on the Schedule.

The cover

We will indemnify You by payment or,at our option, by replacement or repairfor accidental loss or damage to;

(1) the Caravan/Mobile Home,including its accessories,furnishings and utensils,

(2) clothing and Personal Effectswhilst in the Caravan/MobileHome or whilst temporarily in thetowing vehicle in the course of a journey.

Including the reasonable costsincurred to protect and remove tosuitable repairers and to deliver toyour Premises following repair subjectto a maximum amount payable of€320 in respect of any one loss.

Where insured:

• Anywhere in the Republic ofIreland, Northern Ireland, GreatBritain, Isle of Man, and theChannel Islands, including transit between ports.

• While temporarily within theContinent of Europe in thecustody and control of the Insuredfor not more than 60 days in anyone Period of Insurance.

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

permanent residence,• by stealing while unattended unless

securely closed and locked,• caused by storm, unless secured at

each corner by proprietary anchorscrews and wire hawsers exceptwhen kept at the Premises specifiedin the Schedule,

• of Money, stamp collections anddocuments of any kind,

• to High Value Items,• for the amount of the Excess stated in

the Schedule in respect of each loss.

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Section 3: Caravan / Mobile Home

Claims settlementOur maximum liability for anyadmitted claim will not exceed themarket value of the property at thetime of its loss or damage, or the SumInsured specified in the Schedule(whichever is the lesser).

A proportionate adjustment will bemade in the settlement of your claimif the Sum Insured at the time of theloss or damage is less than the valueof all the property, which is the subjectof this cover.

Liability to others We will indemnify You against allsums which You become legally liableto pay for damages in respect of;

(1) Death, bodily injury or illness to any person excluding members of your Household or your employees,

(2) Accidental damage to property which does not belong to, or is notunder the control of, You or a member of your Household,

arising out of the ownership or use ofthe Caravan/Mobile Home specifiedin the Schedule.

The amount payable in respect of anyone event or series of eventsconstituting one occurrence will notexceed €2,540,000 inclusive of alllegal fees and other expenses.

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Excluding Loss or Damage

Excluding Liability in respect of

• the Caravan/Mobile Home whilst it is:

(a) attached to any vehicle,

(b) let for hire or reward or used as a permanent residence,

(c) being used other than for social, domestic and pleasure purposes.

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Section 3: Small CraftN.B. This Section only applies when a Sum Insured for this cover is shown on the Schedule.Definition of small craft: Vessels not exceeding 17ft in length, with a maximum design speed not exceeding 17 knots and not more than 15 years old.

A. Loss or damage to your craft

We will pay for loss or damage to theitems noted in the schedule caused by

1. Accidental damage.

2. Fire, lightning and explosion.

3. Theft or attempted theft, following forcible entry.

4. Negligence.

Loss settlement basis

Our maximum liability is limited to theSum Insured stated in the Schedule orendorsed hereon but subject also toCondition 5 listed hereunder if the lossor damage occurs whilst racing.

B. Liability to others

We will pay for all sums which Youbecome legally liable to pay, arisingfrom the ownership or use of theinsured craft, for

1. Loss or damage to any other craft or Property

2. Death, bodily injury or illness to any person

We will also pay the legal costs andexpenses incurred by the Insured incontesting liability or takingproceedings to limit liability, with ourconsent. We will also pay the costs forrepresentation at any Coroner’sinquest or fatal accident enquiry.

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• due to depreciation,• due to scratching, denting and

bruising while the vessel is beingtransported,

• to sails and protective covers splitby the wind or blown away, unlessin consequence of damage to thespars to which sails are bent, orcaused by the vessel beingstranded or in collision or contactwith any external substance (iceincluded) other than water,

• caused by faulty workmanship,defective design, the use ofdefective materials or loss ordamage resulting from them.

Excluding Liability in respect of

• death, bodily injury or illness to anyemployee,

• any compulsory insurance requiredunder any Road Traffic Acts oramending statutes,

• any person engaged in water-skiing, aquaplaning or any othersport or activity while being towedby the vessel,

• any punitive or exemplarydamages however described.



Section 3: Small Craft

We will also indemnify any personusing the Craft with your permission.

The amount payable in respect of anyone event or series of eventsconstituting one occurrence will notexceed €1,270, 000 inclusive of alllegal fees and other expenses.

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In addition to the general conditions detailed within this policy this section isalso subject to the following CONDITIONS

1. The geographical limit of this section is inland and coastal waters of Ireland andthe United Kingdom.

2. The insured craft is used solely for personal pleasure purposes only.

3. The insured craft is not left in the water during the period 1st November to 31st March.

4. The insured craft at no time engages in water-skiing or other sport or activityinvolving the craft towing items.

5. The indemnity provided to sails spars mast standing and running rigging whilstracing is 2/3rd the full replacement cost of these items. The calculation of thefull replacement cost is based on 50% of the Insured value of the craft.

6. The Insured shall maintain the craft and all equipment in a proper state of repairand seaworthiness and shall, at all times, exercise due care and diligence insafeguarding them.

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Terms and Conditions

Observance of ConditionsThe observance by You of the terms,conditions and endorsements of thisPolicy as far as they relate to anything tobe done or complied with by You will bea condition precedent to any liability ofthe Company.

MisdescriptionThis Policy will be voidable in the event ofmisrepresentation, misdescription ornon-disclosure of any material facts i.e.those circumstances which mayinfluence Us in our acceptance orassessment of this insurance. If You are inany doubt as to whether a fact is materialor not please disclose it.

Maintenance and SecurityYou must keep the Premises in goodrepair and take all reasonableprecautions to ensure the safety ofproperty insured and to preventaccidents.

Change in Risk or CircumstanceYou must tell Us in writing IMMEDIATELYof any change, which may affect thisinsurance or increase the risk of loss,damage or injury as failure to do so couldinvalidate the cover provided.

FraudIf any claim under this Policy is in anyrespect fraudulent, or if any fraudulentmeans or devices (including inflation orexaggeration of the claim, or submissionof forged or falsified documents) areused by You or anyone acting on Yourbehalf to obtain any benefit under thisPolicy, all benefit is forfeit.

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

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

More than one Premises insuredThe Premises and/or Contents thereof,situate where indicated on the Schedule,are insured as if each had been thesubject of a separate policy.

Mortgagee ClauseThe interest of a Mortgagee in thisinsurance shall not be prejudiced by anyact or neglect of the Mortgagor (orOccupier of the Premises) whereby therisk of loss or damage is increasedwithout the authority or knowledge ofthe Mortgagee, provided the Mortgageeshall, immediately on becoming awarethereof, give notice in writing to Us andon demand, pay such additionalpremium as We may require.

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Inflation Protection Your sums insured will be automaticallyincreased each month and updatedannually at renewal date.

a) Premises and Contents Sums Insuredwill be increased in accordance withthe House Building Cost Index issuedby the Department of theEnvironment or by any higherpercentage We consider appropriate.

b) All Risks Sums Insured will be increasedin accordance with the HouseholdDurable Goods Section of theConsumer Price Index, or by any higherpercentage We consider appropriate.

These increases may not be sufficientfor your needs and We would thereforesuggest that You periodically reviewyour own sums insured.

Other Insurances If at the time of any incident, whichresults in a claim under this Policy, thereis any other insurance covering the sameliability, loss or damage, We will pay onlyour rateable share.

Claims – Your Duties and

Our Rights

What You must doTell Us IMMEDIATELY of any loss, damageor accident and give details of how theloss, damage or accident occurred. Youwill be required to produce, at your ownexpense, all necessary documents andinformation to support any loss andforward these to Us, together with

completed Claim Form, within 30 days offirst notifying Us of the incident.

Do Not ProceedYou must not proceed with repairs (otherthan emergency repairs necessary tolimit damage) without our approval.

Send UsAny writ, summons, notice ofprosecution or other legal document Youreceive must be sent to Us, unanswered,on receipt.

Do not negotiateYou, or any other person insured underthis Policy, or anyone else acting on your behalf must not negotiate, admit or repudiate any claim without ourwritten consent.

Tell the GardaiYou must advise the Gardai or Policeabout any incident of stealing, attemptedstealing or vandalism, or loss, destruction,damage or injury by malicious person/s.

We are entitled to

Defend or settle legal actionTake over and conduct in your name, or inthe name of any other person indemnifiedby this Policy, the defence or settlement ofany legal action.

Replacement or repairsWe are entitled to arrange replacementor repair through one of our approvedproviders, or alternatively We mayauthorise replacement or repair arrangedby You.

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Act to recover paymentTake proceedings at our own expenseand for our own benefit, but in yourname, or in the name of any other personindemnified by this Policy, to recover anypayment We have made under this Policy.

Co-operation from YouReceive all necessary assistance fromYou or any other person indemnified bythis Policy.

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

Disagreement over a ClaimAll differences arising out of this Policyshall be referred to an Arbitrator or ifnecessary to two Arbitrators, one to beappointed by each of the parties withinone month after having been requested.The Arbitrators shall appoint an Umpirewho shall sit with the Arbitrators and inthe case of disagreement the Arbitratorsshall submit to the decision of theUmpire. The making of an award shall bea condition precedent to any right ofaction against Us. Differences notreferred to arbitration within 12 calendarmonths from the date on which thedifference occurred will be deemed tohave been abandoned.

NOTE: This condition does not affect yourright to refer any claim or query to theFinancial Services Ombudsman’s Bureau.

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General Exclusions

War and Terrorism

Notwithstanding any provision to thecontrary within this insurance or anyendorsement thereto it is agreed that thisinsurance excludes liability, loss, damage,cost or expense of whatsoever naturedirectly or indirectly caused by, resultingfrom or in connection with any of thefollowing regardless of any other causeor event contributing concurrently or inany other sequence to the loss;

(1) war, invasion, acts of foreignenemies, hostilities or warlikeoperations (whether war bedeclared or not), civil war, rebellion,revolution, insurrection, civilcommotion assuming theproportions of or amounting to anuprising, military or usurped power,or

(2) any act of terrorism.

An act of terrorism means an act,including but not limited to the useof force or violence and/or thethreat thereof, of any person orgroup(s) of persons, whetheracting alone or on behalf of or inconnection with anyorganisation(s) or government(s),committed for political, religious,ideological or other purposesincluding the intention to influenceany government and/or to put thepublic, or any section of the public,in fear.

This endorsement also excludes liability,loss, damage, cost or expense ofwhatsoever nature directly or indirectly

caused by, resulting from or inconnection with any action taken incontrolling, preventing, suppressing or inany way relating to (1) and/or (2) above.

If the Company alleges that by reason ofthis exclusion any liability, loss, damage,cost or expense is not covered by thisinsurance the burden of proving thecontrary shall be upon the Insured.

In the event any portion of thisendorsement is found to be invalid orunenforceable, the remainder shallremain in full force and effect.

Cyber Risk

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

(i) the loss of, alteration of or damage to or

(ii) a reduction in the functionality, availability or operation of

a computer system, hardware,programme, software, data, informationrepository, microchip, integrated circuitor similar device in computer equipmentor non-computer equipment that resultsfrom the malicious or negligent transfer(electronic or otherwise) of a computerprogramme that contains any maliciousor damaging code including but notlimited to computer virus, worm, logicbomb or trojan horse.

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General Exclusions

We shall not be liable for

Radioactive Contamination

a) Loss or destruction of or damage toany property whatsoever or any lossor expense whatsoever resulting orarising therefrom or anyconsequential loss or,

b) Any legal liability of whatsoevernature directly or indirectly causedby or contributed to by or arisingfrom

(i) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel,

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

Sonic Boom

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

Confiscation

Loss of or damage due to confiscation,requisition or destruction by order of any Government, or Public or Local Authority.

Consequential Loss

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

Fees

Fees incurred in the preparation of any claim.

Sets and Matching Items

Any undamaged item which forms partof a set, pair, suite or any other article ofa uniform nature even whenreplacements cannot be matched. Wewill only be liable for the value of theparticular item, part or parts that havebeen lost or damaged.

Wear, Tear and as undernoted

• Wear, tear, rust or corrosion.

• Gradual deterioration or anygradually operating cause.

• The cost of maintenance.

• Mildew, rising damp, dry/wet rot,moth, vermin, atmospheric orclimatic conditions.

• Damage caused by any process ofcleaning, dyeing, repairing or restoring any article.

• Mechanical, electrical or electronicdefects, breakdown or malfunction.

Business, Trade or ProfessionalPurposes

This Policy does not provide cover forany property held in connection withany business, trade or professionalpurpose other than Home Officeequipment as referred to within theDefinition of Contents.

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Endorsements(operative only if indicated on the Schedule)

E01 – Security Precautions 1

It is a condition of your Policy that:

a) All external doors are fitted with mortice deadlocks or deadlocking rim latches.

b) All French windows and/or patio doors are fitted with appropriate security locks.

c) All ground floor and other accessibleopening windows are fitted with window locks.

E02 – Security Precautions 2

Where a burglar alarm is installed asour requirement You hereby agree tomaintain the installation in accordancewith the suppliers recommendationsand to have the alarm switched on andin service on all practical occasions.

E03 – Special Security Precautions for Jewellery

It is a condition of your Policy that allitems of jewellery valued in excess of€9,524 are kept in a locked safe whennot in the personal custody of an adult.

E04 – Single High Value Item Limit

The High Value Item limit of 10%,included within the Contents definition,is deleted for items listed on theSchedule and is replaced by themonetary amount shown against each item.

E05 – Total High Value Limit

The High Value total of 50%, includedwithin the Contents definition, isdeleted and replaced by the monetaryamount shown on the Schedule.

E06 – Paying Guests

Your Policy automatically allows for theprovision of accommodation for 6paying guests. This is increased to 12paying guests.

E08 – Premises used partly for BusinessPurposes, other than a Home Office

The Premises is partly occupied inconnection with your business asdisclosed to Us.

Within that portion of the Premises nocover is provided for Money or anyHigh Value Item and accidentaldamage to Contents is not included(whether indicated or not on theSchedule).

The insurance provided for Stealing orattempted Stealing of Contents, onlyapplies if accompanied by violent andforcible entry or exit and is subjectotherwise to the terms, limitationsand exceptions otherwise specified inthis Policy.

The Exclusion regarding “profession,trade or business” referred to underLiability to Others does not apply toyour business as disclosed but, We willnot insure You for any amount whichYou might become legally liable to payfor death, injury, illness or loss ordamage caused by remedial,professional or other advice ortreatment – other than medical First AidTreatment – given or administered oromitted by You, or by any of yourservants, employees or Agents.

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Endorsements(operative only if indicated on the Schedule)

E11 – Satellite Dishes, Television/RadioAerials and MastsThe reference to “30 feet in height” issubstituted by the number of feetshown on the Schedule. The monetaryamount referred to remainsunchanged.

E12 – Home Office EquipmentThe amount of €3,810,included withinthe Contents definition, is increased tothe amount stated on the Schedule.

E13 – Restriction and/or exclusion ofCertain CoversYour Policy restricts and/or excludescover as detailed on the Schedule.

E18 – SettingsIt is a condition of All Risks cover thatthe settings of any item of jewelleryvalued in excess €9,524 be checked bya jeweller at least once every two years.

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Safety Precautions

Fire Prevention

Electrical AppliancesElectrical sockets should not beoverloaded. The ideal is one appliance,one socket.

Replace worn flexes immediately andunplug all appliances when not in use.

Heating AppliancesKeep heaters away from furniture,curtains and bedclothes.

Never move or refuel an oil or gas heaterwhile it is lighting.

Open FiresNever leave a room without putting aspark guard in front of the fire.

Have your chimney swept regularly – atleast twice a year.

CookingKeep all electrical flexes off cooker ringsor hobs.

Be especially careful with chip pans, theyshould never be left unattended on alighted cooker.

Smoke AlarmYou should install at least one smokealarm in your house.

At NightUnplug all electrical appliances –especially the TV set.

Close doors to all rooms as this will assistin containing fire and smoke should a firebreak out.

Water Damage

Every year severe winter conditions causepipes to freeze and burst. The ensuingwater damage to your house andContents can be quite substantial. Weurge You to take precautions to helpreduce, or prevent, loss or damage of thisnature in the winter months:

All pipes and tanks should be fully lagged.

Leave the underside of attic tanksunlagged to ensure rising warmth canreach them.

Inspect your cold water tank forrust/corrosion.

In WinterMost damage tends to occur whilepeople are away from home. If You areaway for a few days, unless your heatingis being left on:

Turn off the water supply at the mainsand drain your domestic hot/cold watersystem by letting the taps run.

NB. When You return home do not lightyour boiler until the system iscompletely filled.

Refill slowly to avoid airlocks.

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Safety Precautions

Burglary Prevention

While your insurance covers the financialloss You suffer as a result of a break-in,nothing can protect You from theemotional trauma and shock sufferedwhen a stranger ransacks your home andrummages through your belongings.However, there is a lot You can do to helpprevent it happening in the first place.

All External DoorsFit five-lever mortice deadlocks (or theirequivalent) to all external doors and Youshould lock these doors even if You areout for just a short time.

All Accessible WindowsA large number of break-ins occurthrough windows. Fit security locks to all accessible windows, i.e. those on the ground floor or near drainpipes orflat roofs.

Going out at Night

When You go out for the evening, it’s agood idea to draw the curtains and leavea light on in the living room or abedroom. Leaving the hall light on is nota good deterrent. Keep yourgarage/garden shed locked. Do not leavegarden implements, especially ladders,lying around. They could help a thief gainaccess to your home.

Going on HolidayWhen You go away on holiday, cancel alldeliveries, i.e. milk, newspapers etc. Givea key to a trusted neighbour and ask himor her to keep an eye on the house and toremove mail from the letterbox or hall.Inform your local Garda station that Youwill be away.

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Making a Claim

If You have any queries or if You need anyadvice in making a claim just contact Us on our claims helpline number 1890 77 99 99 which is open 9am to 5pmMonday to Friday.

When You are making a claim pleasenote the following points:

Complete and return a claim form.Estimates should be submitted withYour claim. Once the estimate has beenagreed by Us You can proceed withrepairs/redecoration.

If property has been stolen or maliciouslydamaged, or if You lose a valuable item,You should inform the Gardai or Police assoon as possible. You will receive theGarda report form with Your claim form.

When necessary – in the case of brokenwindows or burst pipes for example – Youshould have emergency repairs carriedout immediately to prevent possiblefurther damage to Your property.

If the claim includes injury to someoneelse or damage to their property, Youshould send written details to Us as soonas possible. It is vital that we deal withsuch claims on Your behalf. Any letters ordocuments You receive should be sentunanswered to Us without delay.

Where we need to discuss Your claim Youwill be contacted as soon as possible tomake an appointment.

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Consumer Information

Your insurer

The underwriter of Your insurance isAllianz p.l.c., having its registered office atAllianz House, Elmpark, Merrion Road,Dublin 4, companies registration officeno 143108. VAT no IE0646922D. Ourcontact details are : telephone: 01 6133000 fax: 01 613 4444, and email:[email protected].

Regulatory Status

Allianz p.l.c. is regulated by the CentralBank of Ireland.

Main business

Allianz p.l.c. is a non-life insuranceundertaking underwriting personal,commercial, education, religious andsocial insurance products.

How we charge

The charge for Our services is thepremium (including applicablegovernment levies and / or

premium taxes).

Default

Non-payment of Your premium or partthereof or breach by You of certainconditions of Your policy may lead toYour policy being revoked or cancelled.

Language

Your policy and all communications withYou or by You to Us will be in English.

Compensation

Please note that in the event of Allianzbeing unable to pay a claim, You may beentitled to compensation from theInsurance Compensation Fund in Ireland.

Right of Withdrawal

You have the right to withdraw from thispolicy, provided You have not made atotal loss claim, within 14 days of thelatest of

(1) the starting date of cover, or

(2) the date on which You receive the full terms and conditions of Your Policy.

Withdrawal effectively means that nopolicy was ever in place, and You mayexercise this right by notice in writing toUs at the address given above, quotingYour policy number. Should You exercisethis right we will refund You any part ofYour premium You have paid less anadministration fee. Please note that theright of withdrawal does not apply if theinsurance policy under which insurancecover is provided is for less than 1 month.

Governing law

The laws of Ireland will apply to Yourpolicy and the Irish courts will havejurisdiction to hear any dispute.

Policy Alteration, Additional and Return Premiums.

When You make an alteration to Yourpolicy we will re-calculate Your premium,which may result in an additionalpremium due to Us, or a return premiumdue to You.

If the alteration to the policy results in anadditional premium due to Us, or arefund due to You we will only charge orrefund such premium provided thisamount is greater than or equal to €25plus applicable Government Levy.

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Consumer Information

Alteration to terms and conditions.In the event of a claim we may advise You,at the time of Your next renewal, of alteredpolicy terms and conditions whichincrease Your premium and / or Excess,and / or reduce cover.

ComplaintsWe aim to deliver the very higheststandards of customer care. If You haveany enquiry or complaint, please contact,with Your policy/quote number and details

Head of Customer Focus,Allianz p.l.c., Allianz House, Elmpark, Merrion Road, Dublin 4.

Telephone: (01) 613 3000 Fax: (01) 613 4444Email: [email protected] Website: www.allianz.ie

If Your complaint is not resolved to Yoursatisfaction and You remain dissatisfiedwith Our final response to Your complaintYou can refer Your complaint to

(1)The Financial Services Ombudsman Bureau,3rd Floor,Lincoln House,Lincoln Place,Dublin 2.Locall 1890 – 882090Tel: 01 – 6620899Fax: 01 – 6620890Email:[email protected]: www.financialombudsman.ie

and / or

(2) Insurance Information Services Irish Insurance Federation,39 Molesworth Street,Dublin 2.Tel: 01 – 676 1914Fax: 01 – 676 1943Email: [email protected]: www.iif.ie

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50 SCH 07.15 KD

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Documents

1800 77 99 99 - EBS€¦ · manuscripts, certificates, bills of exchange, promissory notes and documents of every kind unless specifically mentioned. Domestic Employee Any employee