Buildings

• Fire Brigade Charges: €2,000
• Satellite Aerials: €700
• Trace & Access: €700
• Legal fees (removal of squatters): €12,750

Contents

• Business Equipment: €4,000
• Door Locks: €700
• Loss of Money: €400
• Contents in the Garden: €700
• Reinstatement of Title Deeds: €700
• Rent & Alternative Accommodation: 50% of the Contents Sum Insured
• Clean Up Expenses: €2,000
• Jury Service: €50 per day up to €700
• Unauthorised Use of Credit Cards: €1,275
• Visitors Personal Effects: €700
• Freezer Food: €2,000
• Loss of Oil: Unlimited
• Fatal Accident Benefit: €5,000
• Wedding Gifts: An additional 10% of Contents Sum Insured one month before and after the wedding day
• Christmas Gifts: An additional 10% of Contents Sum Insured in December and January

Liability

• Owners Liability to the Public: €3,000,000 inclusive of all fees
• Child Minding for up to 2 Children: €3,000,000 inclusive of all fees
• Domestic Employees: €3,000,000 inclusive of all fees
• B&B for up to 6 Paying Guests: €3,000,000 inclusive of all fees
• Third Party Liability: €3,000,000 inclusive of all fees
• Tenants Liability for Damage: 20% of Contents Sum Insured

Personal Possessions

(cover for Valuables or Personal Effects outside of the Home)

• Free Cover of up to: €1,500
• Single Article Limit: €1,000

Specified Personal Possessions

• For items which exceed: €1,000 in value
• Valuations are only required where the item exceeds: €5,000

Pedal Cycles

(Pedal Cycles are covered for accidental loss or damage anywhere within the geographical limits and world wide for up to 60 days in any one period of insurance.)

• Maximum any one Cycle: €1,275

Caravan

(Cover is available for Caravans and Mobile Homes less than 10 Years old.)

• Caravan: Selected Sum Insured
• Removal & Delivery: €320
• Loss of Use: €15 per day up to €200
• Salvage Charges: Unlimited
• Third Party Liability: €3,000,000 inclusive of all fees

Home Office

(Cover is available for Office contents in the home or its domestic outbuildings up to
20% of the Contents Sum Insured. Third Party Liability is also covered up to
€3,000,000 inclusive of all fees.)

Generous Premium Discounts

• Discounts are available for Burglar Alarms – % varies depending if the alarm is ‘bells only’, connected to a central monitoring station etc.
• Age of Insured discount – commences at age 45

Standard Policy Excess

• Buildings, Contents, Personal Possessions & Caravan: €350
• Personal Possessions: €150
• Pedal Cycles: €100
• Subsidence: €1,000