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Home Insurance Policy Booklet - No Nonsense

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					                        HOME INSurANCE


                                Your PoLICY DETAILS




     HMP NN PD 2012 06 V1                  FBD Insurance plc, trading as No Nonsense,
                                            is regulated by the Central Bank of Ireland.




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     Welcome to No Nonsense Home Insurance
     Thank you for choosing to insure your home with No Nonsense Home Insurance.




     We at No Nonsense Home Insurance aim to provide value for money home insurance
     without sacrificing on service. We hope to provide you with all the cover you need at a
     price you will be happy to pay. We do this by stripping out the covers which are often
     bundled into your Policy and allowing you to select just the covers you want for your
     needs and within your budget.



     Please read your Policy document carefully in conjunction with your Schedule. Your
     Schedule will show which specific covers apply to you. We also recommend that you
     keep a copy of your Proposal Form for your own records.

     All covers are subject to the terms, conditions, exceptions and excesses set out in detail
     in your Policy Documentation.



     I hope you are happy with your new Home Insurance Policy and will remain a satisfied
     customer of No Nonsense Home Insurance for years to come.




     Marketing Manager




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                                                                          NoNonsense Home Insurance Policy    1




     UsefUl nUmbers
     at a glance
       Customer service for general questions      Phone: 1890 25 27 37

       Claims                                      Phone: 1890 685 685

       Home emergency assistance (see
       below) The service is available where you
       have specifically purchased this optional   Phone: 1890 583 583
       cover. Check your policy schedule for
       confirmation.


     We monitor and record calls to improve our service and to prevent and
     detect fraud.




       The Insurance Contract                                               2
       Definitions                                                          3
       General Policy Conditions                                            5
       Claims Conditions                                                    6
       How we will settle your claim                                        8
       General Policy Exclusions                                           10
       Section 1A – Buildings Cover                                        12
       Section 1B - Contents Cover                                         18
       Section 1 – Optional Benefits                                       20
       Section 2 – Home Emergency Assistance                               22
       Section 3 – All Risk s cover on Personal Possessions                24
       Section 4 – Personal Liability Protection                           25




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  2    NoNonsense Home Insurance Policy




      The Insurance Contract.
      TThis document is evidence of the policy of insurance between you (the insured
      named in the policy schedule attached here) and us (No Nonsense Insurance). It is
      based on the information you gave on the signed proposal form and declaration.

      In return for having accepted your premium shown in the schedule, we will provide
      insurance cover under the terms of the policy during the period of cover shown in your
      policy schedule and any future period for which we accept the premium needed to
      renew this policy.

      Signed on behalf of No Nonsense Insurance




      Company Secretary




      Insurance Act 1936                 Finance Act 1990
      We will pay any money due          We have paid, or will pay, the
      under the policy in the Republic   appropriate Stamp Duty to the
      of Ireland.                        Revenue Commissioners in line
                                         with the requirements of the
                                         Finance Act 1990.




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                                                                         NoNonsense Home Insurance Policy            3




     Definitions                                             3 motor vehicles (other than ride-on
                                                               lawnmowers), caravans, trailers, watercraft,
                                                               hovercraft or aircraft (other than models) and
     These words or phrases have                               any parts, accessories, tools, fitted audio or
     the same meaning wherever                                 entertainment systems or satellite navigation
                                                               equipments for these items;
     they appear in the policy or                            4 any part of the home structure, ceilings,
     schedule.                                                 wallpaper or decorations;
                                                             5 property held or used for any profession,
                                                               business or employment (other than home-
     Accidental damage
                                                               of fi ce equipment); or
     Damage caused suddenly and unexpectedly by an
     outside force.                                          6 credit cards, cheque cards, banker’s cards and
                                                               cash cards issued to you or any members of
     Buildings                                                 your family.
     A The structure of the home which must be built
       of brick, stone or concrete, roofed with slates,      Emergency
       tiles, concrete, asphalt, metal or sheets or slabs.   An unforeseen or sudden event which results in
       (except where another form of construction is         damage to your home, which needs immediate
       shown on the proposal form and agreed by us.).        action to make it safe, and secure against further
                                                             loss or damage.
     B All domestic outbuildings and garages on the
       same premises and used in connection with
       the home and the walls, paths, drives, patios,        Emergency repair
       decking, tennis hardcourts, swimming pools,           The repair needed to make your home safe and
       gates, fences and hedges around and pertaining        secure against further loss or damage as a result
       to the home.                                          of an unforeseen or sudden event which results
                                                             in damage to your home and which needs
     C The landlord’s fixtures and fittings in or on the     immediate action.
       home .
                                                             Endorsement
     Contents                                                An agreed change in the terms of the policy as
     Household goods and personal belongings of              shown under endorsements on the policy
     every description (including money up to €650           schedule.
     and home-of fi ce equipment up to €3,800)
     which is your property (or for which you are            Excess
     legally responsible) or belonging to any members        The amount you have to pay as the first part of
     of your family who permanently live with you            certain claims made under the policy. We describe
     and all contained in your home as shown in the          the excess due under the section “How we will
     schedule.                                               settle your claim”.
     This does not include:
     1 property more specifically insured or unless          Home-offi ce equipment
       specifically mentioned in this policy;                Business computers, fax machines, photocopiers,
     2 securities (financial certificates such as shares     typewriters, computer-aided design equipment
       and bonds), certificates, deeds and documents,        and business telephone equipment.
       bills of exchange, promissory notes, cheques,
       securities for money, stamp collections,              Home
       documents of any kind, manuscripts, medals            The house or apartment at the address shown
       and coins;                                            on your schedule, its domestic outbuildings and
                                                             garages on the same premises all used for domestic
                                                             purposes only.




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  4    NoNonsense Home Insurance Policy




      Important security requirement                         2 valuables or money;
      The buildings must be fitted with the following        3 contact or corneal lens;
      security devices:
                                                             4 jewellery; or
      •	 All outside doors must be fitted with morticed
                                                             5 items used for any profession, business or
         security locks.
                                                               employment.
         [A morticed lock is the type that has been
         designed to fit inside a door by means of a         Subsidence
         'mortice' (A mortice is simply a woodworking        Downward movement of the site on which your
         term that describes a hole that has been cut into   buildings stand by a cause other that the weight
         timber as part of a woodworking joint), rather      of the buildings themselves
         than the type designed to fit onto the door
         surface, such as the rim lock or the rim cylinder   Unfurnished
         lock].                                              Without sufficient furniture, furnishings and
      Whenever the property is left empty:                   appliances for normal living purposes.
      •	 All external doors and windows must be closed
         and fastened                                        Unoccupied
                                                             Not lived in by a member of your household or
      •	 All external door locks must be put into
                                                             other person who has your permission. Lived in
         operation
                                                             means slept in frequently.
      •	 All keys must be removed from locks and kept in
         a secure place.                                     Valuables
      •	 Any burglar alarm for which we allow a discount     Items made of, or containing, gold, silver or other
         on your premium must be properly maintained         precious metal, jewellery (including costume
         and put into operation.                             jewellery), furs, paintings or works of art or
                                                             collector’s items (where not excluded under
      Money                                                  contents).
      Cash, cheques, money orders, postal orders,
      postage stamps (that are not part of a collection),    We /Us/Our/The Company:
      savings stamps and savings certificates, premium       No Nonsense Insurance, a trading name of:
      bonds, luncheon vouchers, travellers’ cheques,         FBD Insurance plc
      travel tickets, phone cards and gift tokens            FBD House
      belonging to you or a member of your family            Bluebell
      living with you or which you or they are holding       Dublin 12.
      for charitable purposes.
                                                             You/Your/The Insured
      Period of insurance                                    The person named in the schedule as the insured.
      The period shown in the schedule and any
      subsequent period for which we accept premium
                                                             Your family
      payment for renewal of the policy.
                                                             Your husband, wife or partner (permanently living
                                                             with you as husband or wife) and your children
      Personal effects:                                      including adult children whether or not they live
      Luggage, clothing and other items designed to be       with you (unless this is otherwise referred to in the
      either worn or normally carried on you and which       policy).
      you own.
      This does not include:                                 Your household
      1 electronic goods such as portable music              You and any other person who permanently lives
        players, mobile phones, computers or handheld        with you.
        computer games;




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                                                                       NoNonsense Home Insurance Policy           5




     general                                                  contents or items covered under the All
                                                              Risks section at the time of loss or damage

     policy                                                   respectively.


     conDitions                                             2 Tell us all material facts
                                                              In your proposal for insurance, you must have
                                                              advised us of all material facts (those facts
     You, or any person claiming                              which might affect our decision to accept your
     benefit under this policy must                           proposal or provide insurance). The policy will
                                                              be declared void and have no effect where you
     keep to the following general                            have misrepresented, inaccurately described or
                                                              have not fully disclosed any material fact.
     policy conditions in order to
     avail of the full protection                           3 Tell us about any changes which
                                                              may affect your cover
     provided under the policy.                               You have an ongoing duty to tell us about
                                                              any change which may affect this insurance. In
     If you (or any other person claiming benefit under       particular, you must tell us about the following.
     this policy) do not keep to these conditions, we         a A change of address.
     may cancel the policy or refuse to deal with your        b Any structural alteration to your home.
     claim or reduce the amount of any claim payment.
                                                              c If your home is going to be lived in by
                                                                any person who is not a member of your
                                                                family.
     1 K eep sums insured at the correct                      d If your home will be unoccupied for more
       level
                                                                than 30 consecutive days, will be used for
         At all times you must keep the sums insured
                                                                short periods each week or will be used as a
         at a level that represents the full value of
                                                                holiday home.
         the property insured (including the costs of
         removing debris after a loss and any costs           e If you or any of your family members or
         needed to meet current Building Regulations).          members of your household have been
                                                                declared bankrupt, or have been convicted
         For the buildings, the full value represents the
                                                                or charged with any offence other than a
         estimated cost of rebuilding the buildings if
                                                                fixed penalty driving offence.
         they were completely destroyed.
                                                              We will then tell you about any change in terms.
         For the contents or items insured under the All
                                                              The above list does not set out all the changes
         Risks section, the full value means the current
                                                              in circumstances you must tell us about. If you
         replacement cost as new.
                                                              are in any doubt about any change or whether
         Underinsurance                                       it is one which you should tell us about, please
         You are underinsured if the cost of rebuilding       contact us.
         the buildings or the cost of replacing the
         contents or items insured under the All Risks      4 Caring for your property
         section at the time of loss or damage is more        You must take all reasonable precautions
         than your declared sum insured for buildings         to avoid injury, loss or damage and take all
         and contents and All Risks items as they appear      practical steps to protect all insured property
         on your policy schedule.                             from loss or damage. You must keep the
         If you are underinsured, we will only pay a          property in good repair. In particular, you
         proportion of your claim based upon the              must comply with the important security
         proportional relationship between your               requirements as detailed on the policy
         declared sums insured for the property               proposal form and within the definitions section
         lost or damaged and the cost of rebuilding           of the policy.
         the buildings or the cost of replacing the




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  6    NoNonsense Home Insurance Policy




      5 Pay premiums up to date                              We will apply a €50 administration charge to any
         The cover provided by this insurance is             policy that is taken out and subsequently cancelled
         dependent on you paying all premiums in the         by us because the information given to us was
         period of insurance to date and in full.            incorrect or where any requested documentation
                                                             required to complete the contract is not submitted
         a A nnual premiums – amounts which
           have been paid and payment cleared by us
           before the insurance will apply.                  Inflation protection
                                                             We may amend the sums insured under buildings
         b D irect-debit payments – if the premiums          and contents shown in the schedule in line with
           are paid monthly, these will be collected on      suitable indices such as the Building Cost Index as
           the cover start date selected by you, and         issued by the Department of the Environment.
           on the same day of each of the subsequent
           months. If one or more instalments have           The following conditions apply to inflation
           been paid, non-payment of a subsequent            protection.
           instalment will cancel this policy from the       •	 If the sum insured involved has changed, the
           date the unpaid instalment was due.                  premium when you renew will be based on the
                                                                new sum insured after we have used the index.
      6 Cancellation by You:                                 •	 If the index falls, we will keep the sum insured
        You may cancel the policy at any time by                at the same level.
        sending us cancellation instructions in writing.
                                                             •	 Inflation protection will not apply to any
        Provided no claim has occurred or is pending
                                                                monetary limits or to the insurance cover
        during the period of insurance, we will return
                                                                provided under Sections 2, 3 or 4.
        premium to you as follows.
                                                             You should not rely on the provisions of this
         A If you cancel within the cooling-off period
                                                             inflation protection alone to keep your buildings
            If we receive your instruction within 14 days    and contents sums insured at the correct level.
            of the date of you taking out cover, or the      The value of your buildings or contents may be
            date you receive your policy documents           growing faster than inflation - perhaps because of
            (the cooling-off period), whichever is later,    a new extension or items you have bought. It is a
            we will return your premium less a pro-rata      condition of your policy that you keep the sums
            premium for the period for which you have        insured at the correct level - see condition number
            been covered.                                    1 of the general policy conditions.
         B If you cancel at any time after the cooling-off
            period an administration charge will apply as
            shown in the table below
                                                             claims
      In the first
                   Annual premium Administration
                   value of policy     charge                conDitions
      year of      Up to €500          €50
      insurance    €501 to €1,000      €60
                   €1,001 to €2,000 €75
                                                             You, or any person claiming
                   €2,001 and over     €100                  benefit must keep to the
      From year    €40 flat administration charge for
      two onwards cancellations will apply.
                                                             following claims conditions in
                                                             order to avail of the protection
      Cancellation by us:
      If we have to cancel your policy, we will send you
                                                             afforded under the policy.
      seven days’ notice by registered letter to your        If you or they do not keep to these duties or
      last-known address and in such an event, provided      obstruct us in executing our entitlements, we
      no claim has occurred, we will return to you the       may decide to cancel the policy or refuse to
      premium paid for the period of insurance still         deal with your claim or reduce the amount of
      left to run on the policy.                             any claim payment. You, or any other person




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                                                                       NoNonsense Home Insurance Policy            7




     claiming benefit under this policy must not act in a     c Tell the G ardai
     fraudulent manner.                                          You must immediately tell the Gardai or
                                                                 other relevant police authority about any
     Your duties                                                 incident of stealing, attempted stealing,
                                                                 deliberate or malicious damage or vandalism
     1 Telling us immediately about a                            or loss caused by people acting maliciously.
       claim (Claims phone number                                You must also authorise them to give us any
       1890 685 685)                                             information and help we may need.
         You must immediately tell us about any loss or
         damage which may give rise to a claim under        3 Comply with the terms and
         this policy. W ithin 30 days after the event, or     conditions of the Policy
         any further time we may allow in writing, you        You must comply with all the terms, provisions
         must at your own expense, deliver to us:             conditions and endorsements of this policy.
         a a claim in writing containing details of the
           items or parts of property destroyed or          4 Our entitlements
           damaged and their value at the time;               •	 Salvage

         b details of any other insurance on any                 We are entitled (without accepting any
           property or liability insured; and                    liability or waiving our rights to rely upon
                                                                 any condition of this policy) to enter, take or
         c proof and information for the claim we                keep possession of the building or premises
           may reasonably need (if we ask for it) and a          where the loss or damage has happened.
           declaration of the truth of the claim and of          We may also take possession of, or tell you
           any matters connected therewith.                      to deliver to us, any of the property insured.
                                                                 We may keep possession of and deal with
     2 Telling us immediately in writing                         property for all reasonable purposes and in
       about any legal claim against you                         any reasonable way. However, you may not
         You must also tell us as soon as you become             abandon any property to us for us to deal
         aware of any possible prosecution or inquest in         with.
         connection with any event.                           •	 Defend	or	settle	legal	action	
         a S end us immediately any claim                        We can take over and conduct proceedings
           documents and do not answer them                      in your name, or in the name of any other
            As soon as you receive any letter, claim,            person covered under the policy. This may
            legal proceedings including writ, civil bill,        be to defend, settle or prosecute, for our
            civil summons or other notice, you must              own benefit, any claim for cover or damages.
            send them to us immediately. Do not               •	 We	will	take	legal	action	to	recover	any	
            answer them yourself. This includes any              payment			
            communication or notice from the Injuries
                                                                 So that we may recover any payment we
            Assessment Board which used to be known
                                                                 have made under this policy, we are entitled
            as the Personal Injuries Assessment Board
                                                                 to take proceedings in your name, or in the
            (PIAB).
                                                                 name of any other person covered under the
         b You must not tak e action without our                 policy, at our own expense and for our own
           permission                                            benefit.
            You must not go ahead with any repairs            •	 Co-operation	from	you
            (other than emergency repairs to
                                                                 We are entitled to have full discretion in
            limit damage) without our approval. If
                                                                 the conduct of any proceedings and in the
            emergency repairs are carried out, you
                                                                 settlement of any claim. You, or any other
            must keep any damaged property so we can
                                                                 person covered under the policy, must give
            inspect it.
                                                                 us all the information and help we may
                                                                 need.




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  8    NoNonsense Home Insurance Policy




      5 Fraud
         You, or any other person insured claiming           How we will
         benefit under this policy, must not act in a
         fraudulent way.                                     settle yoUr
         If you or any person acting for you (or any
         other person insured claiming cover under this
                                                             claim
         policy):
         •	 make	a	claim	under	this	policy	knowing	the	
            claim to be false or exaggerated in any way;
                                                             If you have a claim, we will do
         •	 make	a	statement	to	support	a	claim	             everything we can to make
            knowing the statement to be false in any         sure we deal with the claim
            way;
         •	 send	us a document to support any claim
                                                             quickly and fairly.
            knowing the document to be forged or false
            in any way; or                                   Below are some of the criteria we use when settling
         •	 make	a	claim	for	any	loss	or	damage	caused	      claims.
            by your deliberate act or involvement in         Buildings claim
            such an act.                                     We will pay any claim (apart from the exceptions
         We:                                                 below) without taking off any amount for wear, tear
                                                             or loss in value as long as:
         •	 will	not	pay	the	claim;
                                                             a the sums insured represent the cost of
         •	 may	declare	the	policy	void	and	cancel	it	
                                                               rebuilding the buildings in the same size and
            without returning your premium;
                                                               condition as new;
         •	 will	not	pay	any	other	claim	which	has	been	
                                                             b you have kept the buildings in good repair;
            made or is due to be made under the policy
                                                               and
            and ask you to pay the amount of any claim
            already paid under the policy since it started   c reinstatement is carried out without undue
            or was last renewed; and                           delay
         •	 may	tell	the	Gardai	and	other	insurers	about	    d no payment shall be made until reinstatement is
            the circumstances.                                 completed

      6 Disagreements over a claim                           Exceptions
         We will refer all disagreements arising out
                                                             We will take off an amount for wear, tear and loss
         of this policy to an arbitrator agreed by you
                                                             in value for:
         and us. If we fail to agree on an arbitrator, the
         president of the Incorporated Law Society of        •	 surface	finished	timber	flooring	over	five	years	
         Ireland will choose one. Once a disagreement           old.
         is referred to arbitration, you must wait for a
         decision from the arbitrator before taking any      Contents claim
         action against us. We will assume you have          If we pay any claim for contents (apart from
         abandoned any claim not referred to arbitration     the exceptions below), we will not take off an
         within 12 calendar months from the date you         amount for wear, tear or loss in value as long as the
         let us know about a disagreement.                   contents sum insured represents their full value as
      Note: This condition does not affect your right        new at the time of the loss and you have kept them
      to refer any claim to the office of the Financial      in good repair.
      Services Ombudsman of Ireland. Please refer to
      the No Nonsense Insurance “Terms of Business”          Exceptions
      document for details of how to make a complaint.
                                                             We will take off an amount for wear, tear and loss




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                                                                         NoNonsense Home Insurance Policy              9




     in value for:                                          time any claim arises under this policy there is a
     •	 clothes and items you wear, and household           compensation fund covering the same liability or
        linen;                                              the same property lost/damaged, we shall not be
                                                            liable to make any payment under this policy.
     •	 any television, audio, video, computer, games
        console and other equipment including CDs,
        DVDs, records, tapes and software over three
                                                            Reinstating the sums insured after a
                                                            loss
        years old;
                                                            We will not reduce the sum insured for any item by
     •	 any floor covering over five years old; and         the amount of any loss as long as you pay the extra
     •	 any item lost or damaged beyond economical          premium on the amount of the loss from the date it
        repair which is not replaced.                       happens until the end of the period of insurance.

     Preferred Suppliers                                    Limitations to Liability:
     We repair or replace property lost or damaged          Our maximum liability for loss or damage to
     where we consider it appropriate and we have           buildings and/or contents shall be limited to that
     developed a network of contractors, repairers and      sum insured for buildings and/or contents as
     product suppliers dedicated to providing claims        stated on the schedule.
     solutions. We may therefore at our discretion          We will pay any amounts due under the cover
     offer repair or replacement through a preferred        described up to the limits shown under each item.
     supplier. If we agree to pay a cash settlement, then
                                                            The	following	limits	also	apply.
     the amount we pay will not exceed the amount we
     would have paid our preferred supplier.                •	 For	any	one	valuable,	we will pay up to 5%
                                                               of the contents sum insured. This limit will
                                                               not apply if the item is specifically described
     Flooring – establishing the damaged                       and has a separate sum insured in the policy
     area                                                      schedule. This will be the limit of liability for the
     If the flooring or floor covering is damaged, we          described item only.
     will only pay the cost of repairing or replacing
     the damaged part of the floor. If a match with         •	 For	valuables,	we will pay up to 20% of the
     the undamaged flooring or floor covering is not           contents sum insured. This limit will not apply
     possible, we will only be responsible for the cost        if valuable items are specifically described in
     of replacing the flooring or floor covering in the        the policy schedule and their total value is more
     room or area where the damage happened. We will           than 20%.
     not cover undamaged floor covering in adjoining        •	 For	money and bicycles, we will pay up to
     rooms or areas.                                           €650.
                                                            •	 For	home-of fi ce equipment, we will pay up
     Matching pairs or sets or suites                          to €3.800.
     If there is loss or damage to any item forming part    •	 For	theft	from	a	domestic	garage	or	
     of a pair or set or part of a suite of furniture or       outbuilding, we will pay up to €3,500.
     sanitary ware, or forming part of a common design,
     we will pay the cost of the individual damaged         Our maximum liability for loss or damage under
     item only. We will not be responsible for the          “All Risks on personal possessions” is detailed
     undamaged companion pieces or the full value of        within the section.
     the pair or set or suite as a unit.
                                                            Excess
     Other insurance or compensation fund                   This refers to the first amount of certain claims you
     If at the time any claim arises under this policy      have to pay under your policy. This is:
     there is any other insurance covering the same         •	 €1,000 for every claim for subsidence, landslip
     liability or property lost/damaged, we shall not          or ground heave;
     be liable to pay or contribute more than our           •	 €1,000 for every claim for water damage arising
     rateable proportion of any such claim. If at the          from any insured cover under your policy. or




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 10    NoNonsense Home Insurance Policy




      •	 €500 (or any amount you have chosen which                fuel;
         appears on your insurance schedule) for all           (ii) the radioactive, toxic, explosive or any other
         other claims to which an excess applies.                   hazardous or contaminating properties of any
                                                                    nuclear installation, reactor or other nuclear
                                                                    component thereof;
      No claim discount
                                                               (iii) any weapon or device employing atomic or
      If you do not make any claims (or any events
                                                                     nuclear fission and/or fusion or other like
      happen which could cause a claim) during the
                                                                     reaction or radioactive force or matter;
      periods of insurance as shown below, we will
      reduce the renewal premium as follows.                   (iv) the radioactive, toxic, explosive or other
                                                                   hazardous or contaminating properties of any
       Number of years without      No-claim discount              radioactive matter;
       a claim
                                                               (v) pressure waves caused by aircraft and other
      One year                      10%                            devices travelling at sonic or supersonic speeds.
                                    20% (This is the most
      Two or more years
                                    you can earn)              War and Terrorism:
                                                               This policy excludes loss, damage, cost or expense
                                                               of whatsoever nature or any legal liability for
      The premium for your first period of insurance
                                                               personal injury to third parties or damage to
      will include a no-claim discount we calculate using
                                                               property belonging to third parties directly
      your claims history you have told us about.
                                                               or indirectly caused by or resulting from or in
      If this policy is your first insurance on the property   connection with:
      described on the schedule, we will calculate the
                                                               1. War, invasion, act of foreign enemy, hostilities
      policy premium and add an automatic no-claim
                                                                  (whether war be declared or not), civil war,
      discount representing two years without a claim.
                                                                  rebellion, revolution, insurrection, military
      The maximum no-claim discount is 20%.
                                                                  or usurped power, riot, strikes or labour
      The no-claim discount will be affected by any claim         disturbances, civil commotion, earthquake,
      which may arise under the policy, apart from under:         subterranean fire, or loot and pillage
      •	 Section 2 - Home Emergency Assistance.                   consequent on or in connection with any such
                                                                  perils unless otherwise stated on this policy.
                                                               2. (a) Any act of terrorism regardless of any other
      general                                                         cause or event contributing concurrently or
                                                                      in any other sequence to the loss
      policy                                                      (b) Biological or chemical contamination.

      exclUsions                                                  (c) Missiles, bombs, grenades or explosives.


                                                               For the purpose of this condition an act of
      Radioactivity and Sonic Bangs:                           “terrorism” means an act, including but not
      This Policy does not cover any legal liability of
                                                               limited to the use of force or violence and/or
      whatsoever nature or loss or destruction of or
                                                               the threat thereof, of any person or group(s)
      damage to any property whatsoever or any loss or
                                                               of persons, whether acting alone or on behalf
      expense whatsoever resulting or arising therefrom
                                                               of or in connection with any organisation(s) or
      or directly occasioned by or any consequential loss
                                                               government(s), committed for political, religious,
      directly caused by or contributed to by or arising
                                                               ideological, ethnic or similar purposes including
      from:
                                                               the intention to influence any government and/
      (i) ionising radiations from or contamination by         or to put the public, or any section of the public,
          radioactivity from any nuclear fuel or from any      in fear.
          nuclear waste from the combustion of nuclear




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                                                                           NoNonsense Home Insurance Policy           11




     For the purpose of 2(b) “contamination” means the           conditions;
     contamination, poisoning, or prevention and/or           2 loss or damage due to any government, public
     limitation of the use of objects due to the effects of     or local authority or any party with a financial
     chemical and/or biological substances.                     interest in the property insured;
     This condition also excludes loss, damage, cost or       3 loss or damage caused deliberately by a
     expense of whatsoever nature directly or indirectly        member of your family or household ;
     caused by, resulting from or in connection with any
                                                              4 loss or damage arising prior to the first period
     action taken in controlling, preventing, suppressing
                                                                of insurance;
     or in any way relating to any act of terrorism.
                                                              5 loss or damage caused by faulty workmanship
     If we allege that by reason of this exclusion, any
                                                                or design, the use of faulty materials, or loss or
     loss, damage, cost or expense is not covered by this
                                                                damage resulting from them; or
     insurance the burden of proving the contrary shall
     be upon the insured.                                     6 loss or damage to any property where the
                                                                property was obtained by any person using
     In the event that any portion of this exclusion is
                                                                any form of payment which proves to be
     found to be invalid or unenforceable the remainder
                                                                counterfeit, fraudulent, invalid, uncollectable,
     shall remain in full force and effect.
                                                                irrecoverable or irredeemable for any reason.
     Cyber risk s
     This policy excludes loss, damage, cost or expense
                                                              Pollution or contamination
                                                              This Policy excludes loss, damage, cost or expense
     of whatsoever nature or any legal liability for
                                                              of whatsoever nature or any legal liability for
     personal injury to third parties or damage to
                                                              personal injury to third parties or damage to
     property belonging to third parties directly
                                                              property belonging to third parties directly
     or indirectly caused by or resulting from or in
                                                              or indirectly caused by or resulting from or in
     connection with:
                                                              connection with pollution or contamination unless
     i. the loss of, alteration of or damage to, or           caused by:
     ii. a reduction in the functionality, availability or    a a sudden unexpected and identifiable incident;
         operation of                                           or
     iii. a computer system, hardware, programme,             b heating oil leaking from a domestic installation.
          software, data, information repository,
                                                              Under b, we will not pay more than €130,000
          microchip, integrated circuit or similar device
                                                              arising from any one incident (this includes all
          in computer equipment or non-computer
                                                              costs, legal fees and other expenses).
          equipment that results from the malicious or
          negligent transfer (electronic or otherwise) of a
          computer programme that contains a malicious        Date-related electrical or electronic
          or damaging code including but not limited
                                                              breakdowns
                                                              This policy excludes loss, damage, cost or expense
          to computer virus, worm, logic bomb or trojan
                                                              of whatsoever nature or any legal liability for
          horse.
                                                              personal injury to third parties or damage to
                                                              property belonging to third parties directly
     Risk s not insured                                       or indirectly caused by or resulting from or in
     This policy does not cover:
                                                              connection with the failure of equipment at any
     1 wear, tear, rust or corrosion; gradual                 time to treat any calendar date as the correct date
       deterioration or any gradually operating cause,        and/or to manipulate correctly other information or
       including damage caused by gradual water               process other commands using any such date.
       damage or from faulty seals or grouting; the
       cost of maintenance or normal decoration,
       mildew, rising damp, dry or wet rot, moth,
       vermin, insects, atmospheric or climatic




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 12    NoNonsense Home Insurance Policy




      section 1a – bUilDings cover
      Your policy covers loss or damage to the buildings caused by
      the risks shown below.
      Cover described is subject to the terms, limits, conditions and exclusions of this policy.
      The most we will pay for loss or damage to buildings shall be the sum insured for buildings stated on the
      policy schedule.

       1
                                 We will not cover:
       Fire, smok e,
       ex plosion,               •	 the excess; or
       lightning,                •	 loss or damage caused by smog, agricultural or industrial work or by any
       thunderbolt,                 gradually operating cause.
       earthquak e
                                 We will not cover:
                                 •	 the excess;
       2                         •	 loss or damage caused by frost, subsidence or landslip;
       Storm or fl ood            •	 loss or damage to fences, gates and hedges; or
                                  •	 loss or damage to roofs built with torch-on felt which are more than ten years
                                     old or other felt which is more than five years old.
                                  We will not cover:
                                  •	 the excess;
                                  •	 loss or damage which happens while the home is unfurnished or is
       3                             unoccupied for more than 30 consecutive days immediately before the loss;
       T hef t or attempted          or
       thef t                     •	 loss or damage where the building or part of it is lent, let or sublet unless
                                     force or violence has been used to gain access to the home
                                  •	 loss or damage where the important security requirements have not
                                     been complied with.
                                  We will not cover:
                                  •	 the excess;
                                  •	 loss or damage to any part or appliance from which the water leaked if this
       4
                                     was caused by wear, tear or gradual deterioration;
       Escape of water
                               •	 loss or damage caused by water leaking from shower units and baths through
       from any fixed water or
                                  faulty seals and grouting;
       heating installation or
       domestic appliance      •	 loss or damage caused by subsidence, ground heave, landslip, wet or dry rot;
                                  or
                                  •	 loss or damage which happens while the home is unfurnished or is
                                     unoccupied for more than 30 consecutive days immediately before the loss.




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                                                                             NoNonsense Home Insurance Policy           13




                                 We will not cover:
       5
                                 •	 the excess;
       R iot, civil
                                 •	 loss or damage which happens while the home is unfurnished or is
       commotion, strikes,
                                    unoccupied for more than 30 consecutive days immediately before the loss;
       labour disturbances,
                                    or
       malicious persons or
       vandalism                 •	 loss or damage where the building or part of it is lent, let or sublet unless
                                    force or violence has been used to gain access to the home.
                                 We will not cover:
                                 •	 the excess;
                                 •	 loss or damage to any part or appliance from which the heating oil leaked if
       6                            this was caused by wear, tear or gradual deterioration;

       Heating oil leak ing      •	 loss or damage which happens while the home is unfurnished or is
       from your domestic           unoccupied for more than 30 consecutive days immediately before the loss;
       fixed oil installation       or
                                 •	 loss or damage or pollution caused by heating oil leaking should you engage
                                    an environmental remediation expert, specialist or contractor without our
                                    prior consent. We reserve the right to appoint an appropriate expert, specialist
                                    or contractor of our own choice.
       7
       Impact with any of the
                                 We will not cover:
       buildings by any road
       vehicle, or animal, or    •	 the excess; or
       aircraft and other aerial •	 loss or damage caused by any domestic animal.
       devices or articles
       dropped therefrom.

       8
       Television and radio We will not cover:
       receiving aerials,       •	 the excess; or
       satellite dishes, aerial
       fittings and masts       •	 loss or damage to the actual aerial or mast and any fittings attached to it.
       breaking or collapsing.
                                 We will not cover:
       9
                                 •	 the excess;
       Falling trees or parts
       of trees                  •	 loss or damage caused by felling or lopping trees carried out by you or on
                                    your behalf; or
                                 •	 loss of or damage to fences, gates and hedges.




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 14    NoNonsense Home Insurance Policy




                                 We will not cover:
                                 •	 the excess;
                                 •	 loss or damage by coastal, river or lake erosion
                                 •	 damage by bedding down of any buildings or the settlement of made-up
                                    ground or landfilled sites;
                                 •	 loss or damage if you know that any of the property on the site has already
       10                           been damaged by land movement and you have not told us about it;
       Subsidence or             •	 loss or damage arising from faulty workmanship, defective design, the use
       ground heave of the          of defective materials or inadequate drains or drainage systems, inadequate
       site on which the            foundations or chemical reaction;
       home stands; or
                                 •	 damage arising from the movement of solid floors or floor slabs unless the
       landslip
                                    foundation of the external walls is damaged at the same time and by the same
                                    cause;
                                 •	 loss or damage arising from structural alterations, demolition, repairs or
                                    extensions to buildings; or
                                 •	 loss or damage to swimming pools, terraces, patios, decking, drives,
                                    footpaths, walls, gates or fences, drainage pipes, waste pipes and sewers,
                                    unless the structure of the home is also damaged at the same time.

                                 We will not cover:
                                 •	 the excess;
                                 •	 loss or damage which happens while the home is unfurnished or is
                                    unoccupied for more than 30 consecutive days immediately before the loss;
                                 •	 loss or damage while any part of the home is lent, let or sublet or if any part of
       11                           the buildings is used for business or professional use;
       A ccidental damage        •	 loss or damage caused by wear and tear or gradual deterioration, domestic
       to buildings                 pets, insects, vermin, rust, rats, mildew, fungus, weather conditions, light, any
                                    process of heating, drying, cleaning, decorating, alteration or repair, misuse,
                                    electrical or mechanical breakdown;
                                 •	 loss or damage caused by faulty workmanship or design, the use of faulty
                                    materials, or loss or damage resulting from them;
                                 •	 loss or damage caused by scratching, abrading or denting;
                                 •	 loss or damage arising from structural alterations, demolition, repairs or
                                    extensions to the buildings; or
                                 •	 loss or damage by any cover listed elsewhere under the buildings section
                                    which is specifically excluded under that cover.




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                                                                              NoNonsense Home Insurance Policy            15




       12
       D ebris R emoval/A rchitects' Fees/B uilding
       R egulations
       Following loss or damage which is covered under            We will not cover:
       items 1 to 11 of Section 1A of this policy, we will also
       pay for the necessary and reasonable costs:                •	 any costs you pay or agree to pay without our
                                                                     written permission;
       a in removing debris and/ or in shoring up the
         buildings;                                               •	 any costs or fees for preparing any claim under
                                                                     this policy; or
       b for architects’, surveyors’ and legal fees incurred
         with our consent in the reinstatement of the             •	 any costs in complying with any Building or
         buildings; and                                              other Regulations resulting from a notice served
                                                                     prior to the occurrence of loss or damage or any
       c in complying with any government, local                     costs which apply to any undamaged parts of
         authority, building or other regulation to the              the buildings.
         extent that these apply to the parts of the
         buildings that have been damaged.
       The most we will pay under this heading is 15% of
       the sum insured on buildings.
                                                                  We will not cover:
                                                                  •	 the excess;
                                                                  •	 loss or damage occurring at distances in excess
                                                                     of 15 metres from the home;
                                                                  •	 loss or damage which happens while the home
                                                                     is unfurnished or is unoccupied for more
       13                                                            than 30 consecutive days immediately before
                                                                     the loss;
       Underground pipes and cables
                                                                  •	 loss of damage by any cover listed elsewhere
       We will pay for accidental damage to
                                                                     under the buildings section which is
       underground pipes and cables extending from your
                                                                     specifically excluded under that cover;
       home to the public mains for which you are legally
       responsible.                                               •	 loss or damage arising from structural
                                                                     alterations, demolition, repairs or extensions to
                                                                     the home; or
                                                                  •	 loss or damage arising from faulty
                                                                     workmanship, defective design, the use of
                                                                     defective materials or inadequate drains or
                                                                     drainage systems, inadequate foundations or
                                                                     chemical reaction.

       14
       A ccidental break age of fi xed glass and                  We will not cover:
       sanitary fi ttings                                         •	 the excess; or
       We will pay for the accidental breakage of:                •	 loss or damage which happens while the home
       a fixed glass in windows, doors and fanlights; or             is unfurnished or is unoccupied for more
       b fixed washbasins, pedestals, baths, sinks,                  than 30 consecutive days immediately before
         splashbacks, showertrays, bidets, toilet pans,              the loss.
         cisterns and similar sanitary fixtures.




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 16    NoNonsense Home Insurance Policy




       15
                                                               We will not cover:
       A lternative accommodation
                                                               •	 expenses you pay or agree to pay if the work of
       If the home cannot be lived in because of damage           reinstatement is delayed by you or any person
       from any cause which is covered under items 1 to           acting on your behalf;
       11 of section 1A of this policy, we will pay for the
                                                               •	 expenses you pay or agree to pay if the
       reasonable extra expenses necessarily incurred for
                                                                  home is not being used as your main place of
       alternative comparable accommodation for you and
                                                                  residence; or
       members of your family.
                                                               •	 expenses you pay or agree to pay without our
       The most we will pay under this heading is 10% of
                                                                  written permission.
       the sum insured on buildings.



       16
       Purchaser’s interest                                    We will not cover:
       If you are selling your home, the buyer will have the   •	 If other insurance on the home has been
       benefit of the cover under Section 1A - buildings up       arranged by or on behalf of the buyer.
       to the date the sale completes




       17
       Fire brigade charges                                    We will not cover:
       We will pay the charges imposed on you by a local       •	 charges for which you make a claim under
       authority for fire brigade attendance at an incident       Section 1B contents cover of this policy; or
       occurring as a result of damage covered under this
       section                                                 •	 any amount over €2,000.




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                                                                           NoNonsense Home Insurance Policy           17




       18                                                      We will not cover:

       Liability to others as owner of the buildings        a liability arising out of any contract or
                                                              agreement which you would not have had if
       We will cover you for all amounts that for which you   the contract or agreement did not exist;
       or your family who live with you become legally
       liable to pay in respect of:                         b liability arising in connection with owning,
                                                              possessing or using any other land, buildings
                                                              or structures other than the home shown in
       · Accidental bodily injury, death or disease to any    the schedule;
          member of the public or damage to their property; c liability for injury or damage arising out of or
          or                                                  in connection with any profession, trade or
       · Accidental bodily injury death or disease to a           business including letting accommodation;
         person you employ to carry out maintenance,           d liability for injury or damage arising out of
         repairs or decoration to your home                      using lifts, or mechanically propelled vehicles
       arising from the ownership (but not the use or            other than pedestrian-controlled gardening
       occupation) of the home at the address shown on           tools or ride-on lawnmowers used at the
       the schedule.                                             home described in the schedule in non-Road
                                                                 Traffic Act circumstances;
       The most we will pay under this heading (and            e liability for injury arising in connection
       under this policy) to any claimant or any number          with carrying out of works of construction,
       of claimants in respect of or arising out of any one      reconstruction, structural alterations or repairs;
       occurrence or all occurrences of a series consequent f liability arising in connection with felling or
       on or attributable to one source or original cause        lopping trees;
       shall not exceed the sum of €2,600,000 inclusive of all g bodily injury (including death and disease)
       costs, legal fees and other expenses.                     to any member of your family or your
                                                                 household ;
       In the event of your death, we will in respect of the   h damage to property belonging to you or any
       liability incurred by you, indemnify your personal        member of your family or household (or in
       representatives provided that such personal               your custody or control or that of any member
       representatives shall as though they were the insured     of your family or household ); or
       observe, fulfil and be subject to the terms, exceptions i liability arising from asbestos and asbestos
       and conditions of the Policy so far as they can apply.    dust.




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 18    NoNonsense Home Insurance Policy




      section 1b - contents cover
      Your policy covers loss or damage to the contents caused by the
      risks shown below.
      Cover described is subject to the terms, limits, conditions and exclusions of this policy.
      The most we will pay for loss or damage to contents shall be the sum insured for contents stated on the
      policy schedule.


       1
                                 We will not cover:
       Fire, smok e,
       ex plosion,               •	 the excess; or
       lightning,                •	 loss or damage caused by smog, agricultural or industrial work or by any
       thunderbolt,                 gradually operating cause.
       earthquak e
                                 We will not cover:
                                 •	 the excess;
       2                         •	 loss or damage caused by frost, subsidence or landslip;
       Storm or fl ood            •	 loss or damage to fences, gates and hedges; or
                                  •	 loss or damage to roofs built with torch-on felt which are more than ten years
                                     old or other felt which is more than five years old.
                                  We will not cover:
                                  •	 the excess;
                                  •	 loss or damage which happens while the home is unfurnished or is
       3                             unoccupied for more than 30 consecutive days immediately before the loss;
       T hef t or attempted          or
       thef t                     •	 loss or damage where the building or part of it is lent, let or sublet unless
                                     force or violence has been used to gain access to the home
                                  •	 loss or damage where the important security requirements have not
                                     been complied with.
                                  We will not cover:
                                  •	 the excess;
                                  •	 loss or damage to any part or appliance from which the water leaked if this
       4
                                     was caused by wear, tear or gradual deterioration;
       Escape of water
                               •	 loss or damage caused by water leaking from shower units and baths through
       from any fixed water or
                                  faulty seals and grouting;
       heating installation or
       domestic appliance      •	 loss or damage caused by subsidence, ground heave, landslip, wet or dry rot;
                                  or
                                  •	 loss or damage which happens while the home is unfurnished or is
                                     unoccupied for more than 30 consecutive days immediately before the loss.




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                                                                             NoNonsense Home Insurance Policy           19




       5                         We will not cover:
       R iot, civil              •	 the excess;
       commotion, strikes,       •	 loss or damage which happens while the home is unfurnished or is
       labour disturbances,         unoccupied for more than 30 days in a row immediately before the loss; or
       malicious persons or      •	 loss or damage where the building or part of it is lent, let or sublet unless
       vandalism                    force or violence has been used to gain access to the home.
                                 We will not cover:
                                 •	 the excess;
                                 •	 loss or damage to any part or appliance from which the heating oil leaked if
       6                            this was caused by wear, tear or gradual deterioration;

       Heating oil leak ing      •	 loss or damage which happens while the home is unfurnished or is
       from your domestic           unoccupied for more than 30 consecutive days immediately before the loss;
       fixed oil installation       or
                                 •	 loss or damage or pollution caused by heating oil leaking should you engage
                                    an environmental remediation expert, specialist or contractor without
                                    our prior consent. We reserve the right to appoint an appropriate expert,
                                    specialist or contractor of our own choice.
       7
       Impact with any of        We will not cover:
       the buildings by          •	 the excess;
       any road vehicle, or
                                 •	 loss or damage caused by any domestic animal; or
       animal, or aircraft and
       other aerial devices or   •	 loss or damage unless the buildings are damaged at the same time and by
       articles dropped there       the same cause.
       from.
       8                        We will not cover:
       Television and radio •	 the excess;
       receiving aerials,
                                •	 loss or damage to the actual aerial or mast and any fittings attached to it; or
       satellite dishes, aerial
       fittings and masts       •	 loss or damage unless the buildings are damaged at the same time and by
       breaking or collapsing.     the same cause.
                                 We will not cover:
                                 •	 the excess;
       9                         •	 loss or damage caused by felling or lopping trees carried out by you or on
       Falling trees or parts       your behalf; or
       of trees                  •	 loss or damage unless the buildings are damaged at the same time and by
                                    the same cause.


       10
                                 Excluding:
       Subsidence or
       ground heave of the       •	 the excess; or
       site on which the         •	 loss or damage unless the buildings are damaged at the same time and by
       home stands; or              the same cause.
       landslip




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 20    NoNonsense Home Insurance Policy




       11
       A ccidental break age of fi xed glass and sanitary              We will not cover:
       fi ttings                                                       •	 the excess;
       We will pay for the accidental breakage of:                     •	 loss or damage which happens while the
       a fixed glass in windows, doors and fanlights; or                  home is not furnished or is not occupied
       b fixed washbasins, pedestals, baths, sinks, splashbacks,          for more than 30 consecutive days
         showertrays, bidets, toilet pans, cisterns and similar           immediately before the loss.
         sanitary fixtures.
       12                                                              We will not cover:
       Fire brigade charges                                            •	 charges for which you make a claim
       We will pay the charges imposed on you by a local                  under Section 1A buildings cover of this
       authority for fire brigade attendance at an incident               policy; or
       occurring as a result of damage covered under this section      •	 any amount over €2,000.




      we can proviDe tHe following extra
      benefits as options:
      You will not be covered under the following items unless you buy them as optional ex tras
      cover and they appear on your policy schedule.


      Accidental damage to Contents
      Claims under this optional benefit will affect your no-claim discount and are subject to the policy excess.
                           We will not cover:
                           •	 the excess;
       The insurance       •	 destruction of or damage to glass, earthenware or china destruction or damage
       in force under         occurring in any part of the buildings which may be lent, let or sublet;
       section 1B of       •	 destruction or damage arising from wear and tear, gradual deterioration, action
       this policy            of light or weather (other than storm), moths, vermin or any process of cleaning,
       for contents           repairing, dyeing or restoring, mechanical or electrical defect;
       covers you for
       accidental          •	 destruction or damage to jewellery, watches, furs, musical instruments, cameras,
       damage in the          camcorders, contact lens, spectacles, hearing aids, mobile phones, sporting guns,
       home at the            food, drink, plants or works of art;
       address shown       •	 destruction or corruption of data or programs;
       in the schedule.    •	 chewing, scratching, tearing or fouling by pets; or
                           •	 loss of damage by any risk listed elsewhere under the contents section which is
                              specifically excluded under that cover.




NN-HomePolicy-May12-v3.indd 20                                                                               08/06/2012 14:08
                                                                            NoNonsense Home Insurance Policy             21




     Theft of garden furniture and contents in the open
     If you make a claim under this extra benefit, it will not affect your no-claim discount and will not be
     subject to the policy excess.

       The insurance in force under section 1B of this policy for   We will not cover:
       contents also covers theft of garden furniture and items     any amount over €650 for any one incident or
       of contents in the open within the boundary of the site      during one period of insurance.
       on which the home stands.


     Energy Efficiency Benefit
      The basis of settlement in respect of claims under buildings shall include the additional costs of
      reinstating or repairing the property in a manner so as to improve the energy efficiency of the residential
      part of your home by means of improved insulation and/or heating system.
      Provided that
      •	 The most we will pay under this benefit is an additional 15% of any agreed claim settlement in respect
         of damage to buildings (as determined before application of this benefit) subject to a maximum limit
         of indemnity of €25,000
      •	 Any technologies, materials and measures involved must comply with Sustainable Energy Authority of
         Ireland approved guidelines on improving energy efficiency in houses.
      The basis of settlement in respect of claims under contents for electrical household appliances which
      cannot be economically repaired and require a full replacement will be with an equivalent appliance
      which has an energy rating of “A”.
      The cover described under this benefit shall apply in addition to the policy terms and conditions
      including those described under the section “How we will settle your claim”.




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 22    NoNonsense Home Insurance Policy




      section 2 –                                          you are responsible for the difference.
                                                           No cover is provided under this section in respect

      Home                                                 of costs or expenses incurred without our prior
                                                           approval.

      emergency
                                                           Events insured
      assistance
                                                           Cover A: Emergency services
                                                           We will provide an emergency repair service to
      Please check your policy                             secure your home (in the Republic of Ireland) and
                                                           prevent further loss or damage which happens
      schedule to see if cover under                       after an emergency as a result of one of the
      this section applies to you.                         following events.
                                                           1 Breakdown or damage to piping, leaks from
                                                             sanitary fixtures and fittings and fixed water
      You will not be covered under this section
                                                             installations in your home.
      unless you buy it as an optional ex tra cover
      and it appears on your policy schedule.              2 Failure of the electrical supply within your
                                                             home as a result of a fault or damage to the
      You do not pay an excess for the cover shown in
                                                             electrical installation in your home.
      this section.
                                                           3 Your home being made insecure or if you
                                                             cannot get into your home as a result of losing
      Home emergency assistance is a 24 hour                 your keys, or damage to locks, as a result of
      service designed to help you in a household            theft or any other accidental cause or if a child
      emergency on any day of the year. LoCall               has locked themselves in a room.
      number: 189 0 583 583                                4 Storm damage or any other accidental
      We will not pay any benefit unless you have            damage to the roof which means your home
      notified us using the number shown above and           is not secure.
      we have authorised help.                             5 Breakage of glass in outside windows or doors
      Please have the following information available        which means your home is not secure.
      when you call.
      a Your home or mobile phone number.                  Cover B : Follow-up services
                                                           When we have carried out an emergency repair
      b Your full home address.
                                                           (section A) the following benefits will become
      c Your policy number.                                available to you.
      d A description of the problem.                      a Passing on urgent messages - When there is
                                                             an emergency in your home, we will pass an
      If your home has been broken into you should           urgent message to a family member at home
      report the matter to the Gardai before calling the     or abroad.
      home emergency assistance line.                      b Essential information - If you need
                                                             the phone number of an essential service
                                                             urgently, simply call the Lo Call number and
      Cover provided                                         we will provide the phone number for the
      We cover the cost of the call-out, labour and          hospital, Garda station, fire brigade or 24-hour
      materials which are necessary for the emergency        pharmacy.
      repair up to a maximum amount of €200 for each
      emergency and €254 for glazing. In the event of
      the repairs exceeding the maximum allowable,




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                                                                        NoNonsense Home Insurance Policy          23




     Exclusions which apply to cover A                     2 You must quote the policy number when
     We will not be responsible for:                         calling for help and produce the relevant
                                                             identification when the operator, tradesman or
     1 a repairing damage caused by a liquid leaking
                                                             any of our other agents ask.
         or by dampness even as a result of breakage
         or damage of the pipes or other installation;.    3 If you cancel this policy, we will not return
                                                             your portion of the premium which covers the
         b repairing air-conditioning installations,
                                                             assistance service.
           electrical showers, water filtration units,
           jacuzzis, drains and septic tanks outside the   4 You cannot transfer the benefits available
           home;                                             under this section to anyone else.
     2 a repairing lighting such as, but not               5 You must replace any part of the home which
         exclusively, bulbs or fluorescent tubes,            is faulty or is suffering wear and tear as soon as
         free-standing electrical installations such as      possible after discovering the fault.
         lamps or home appliances; or                      6 We will only provide the home assistance
         b alarm or phone systems.                           benefits described in the policy, if you have met
                                                             all our terms and conditions.
     3 We will also not cover any work to:
                                                           7 Under home emergency assistance, we will
         •	 internal	doors	or	their	fittings;
                                                             only pay for three emergency visits in any
         •	 external	doors	which	do	not	lead	directly	       12-month policy term. After the third visit, the
            into the home;                                   home emergency assistance cover ends.
         •	 mechanical	shutters	or	automatic	garage	       8 While we do our best to arrange prompt service
            doors;                                           for all emergencies, we cannot guarantee
         •	 double-glazed	units	where	one	pane	is	still	     the level of service you will receive if there
            intact; or                                       are severe weather events such as bad storms
         •	 any	home in the course of construction or        where there may be an inevitable shortage of
            under refurbishment or renovation.               tradespeople available to deal with individual
                                                             emergencies.
     Exclusions which apply to covers A and B
     We will not be responsible for any:                   Initial complaints procedure for home
                                                           emergency assistance
     1 work other than emergency repairs as                For initial complaints relating to the service you
       mentioned;                                          receive under the home emergency assistance
     2 work undertaken outside of the residential part     cover, you should phone the assistance helpline
       of your home;                                       on 189 0 583 583 and ask for a supervisor. Or,
     3 costs you pay or agree to pay without our prior     you can write to the Operations Manager, giving
       approval;                                           details of your complaint to: Mapfre Asistencia
                                                           Agency Ireland, 22-26 Prospect Hill, Galway. They
     4 emergency brought about by an avoidable,
                                                           will respond to you within two working days of
       deliberate act committed by anybody who is
                                                           receiving your letter. If you do not get a response,
       lawfully in or about the home; and
                                                           please follow the complaints procedure outlined
     5 damage to your contents.                            under the No Nonsense Terms of Business.

     Conditions which apply to covers A
     and B                                                 Note: This condition does not affect your right to
     1 We will not pay any benefit unless you have         refer any complaint to the office of the Financial
       told us about the claim by you phoning the          Services Ombudsman of Ireland. Please refer to
       emergency assistance number and we have             the No Nonsense Insurance “Terms of Business”
       authorised help.                                    document for details of how to make a complaint.




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 24    NoNonsense Home Insurance Policy




      section 3 – all risks cover on
      personal possessions
      Please check your policy schedule to see if you have cover under
      this section.
      You will not be covered under this section unless you have bought it as an optional extra cover and it
      appears on your policy schedule. If you make a claim under this benefit, it will affect your no-claim
      discount. The policy excess does not apply to cover described in this section.

       A ll risk s cover                           We will not cover:
       We shall by payment, or at our option,      We will not pay a claim for:
       by reinstatement, replacement or            a loss or damage due to theft or attempted theft in which
       repair, indemnify you in respect of loss      you, or any member of your family or household, are
       of or damage to property as shown             involved as principal or accessory.;
       in the schedule for loss or damage
       which happens in Ireland or elsewhere       b loss or damage if customs or another official authority has
       in Europe during the period of                legally taken, destroyed or held your property;
       insurance. In addition, worldwide           c breakage of glass or brittle items (other than jewellery),
       cover also applies for up to 60 days          damage caused by overwinding, denting, or internal
       during the period of insurance.               damage of watches or clocks (other than damage caused by
                                                     fire or thieves);

       We will not pay more than the               d loss or damage arising from moth, mildew, wear and tear,
       following for claims under this section.      mechanical or electrical breakdown, inherent defect, faulty
                                                     workmanship, faulty design or the use of faulty materials,
       a For any one item we will not pay            gradually operating cause or the actual process of cleaning,
         more than the sum insured stated in         dyeing, restoring or altering of any articles.
         the schedule.
                                              e any specified item with a sum insured of more than €3,000 if
       b For all loss or damage which happens   you have not sent us a valuation for this item;
         during any period of insurance,
         we will not pay more than the total  f any property more specifically insured or any amount that
         sum insured.                           you cannot claim under a more specific insurance policy
                                                because the insurer refuses or reduces your claim;
       c For any one item, we will not pay
         more than €1,300 unless otherwise    g stealing from any unattended motor vehicle unless from
         stated on the schedule.                a vehicle glove compartment or locked boot of a private
                                                motor car;
                                                   h property held or used for any profession, business or
       If you make a claim for loss of property,     employment; or
       you must give us any evidence we
       need to prove the item is actually lost     I pedal cycles.
       and is not just mislaid or missing.
      Important warranty relating to Items of jewellery valued over €7,50 0
      Unless otherwise and specifically agreed cover in respect of items of jewellery valued in excess of €7,500
      shall be subject to the item being kept in a domestic safe whilst not being worn.
      Where the item of jewellery, valued in excess of €7,500 is a ring with claws holding diamonds or other
      precious materials, cover shall be subject to the ring being inspected at least once every two years by a
      reputable jeweller and any defects therein being rectified immediately.




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                                                                             NoNonsense Home Insurance Policy           25




     section 4 – personal liability
     protection
     Please check your policy schedule to see if you have cover under
     this section.
     If you make a claim under this benefit, it will affect your no-claim discount. The policy excess does not
     apply to cover described in this section.

       We will cover you for all amounts      We will not cover:
       for which you or your family           a liability arising out of any contract or agreement which you
       who live with you become legally         would not have if the contract or agreement did not exist;
       liable to pay in respect of accidental b liability arising from owning or possessing any land, buildings
       bodily injury, death or disease to any   or structures;
       person or damage to property;
                                              c Liability for injury or damage arising out of or linked to any
       arising:                                 profession, trade or business;
       •	 in	a	personal	capacity;             d Liability for injury or damage arising out of using lifts, or
       •	 as	occupier	of	the	home at the         mechanically-propelled vehicles other than pedestrian-
          address shown in the schedule; or      controlled gardening tools or ride on lawnmowers used at the
       •	 from	your employing a domestic         home at the address shown in the schedule in non-Road Traffic
          employee, childminder, carer,          Act circumstances;
          home help at the home shown in       e Liability for injury arising in connection with carrying out of
          the schedule.                          works of construction ,reconstruction, structural alterations or
       The most we will pay under this           repairs;
       heading (and under this policy)         f liability arising in connection with dangerous tools (for
       to any claimant or any number of          example, chainsaws, blow-torches, kango hammers, welding
       claimants in respect of or arising        equipment or any equipment which needs protective clothing)
       out of any one occurrence or all          which are being used other than at the home at the address
       occurrences of a series consequent        shown in the schedule;
       on or attributable to one source or     g liability arising in connection with felling or lopping trees;
       original cause shall not exceed the
                                               h liability arising in connection with owning, possessing or
       sum of €2,600,000 inclusive of all
                                                 using dogs designated as dangerous in the regulations made
       costs, legal fees and other expenses.
                                                 under the Control of Dogs Acts, if you are not adhering to the
       In the event of your death, we will       regulations;
       in respect of the liability incurred
                                               i liability for the passing on any communicable disease;
       by you, indemnify your personal
       representatives provided that such      j liability in connection with firearms other than licensed
       personal representatives shall            sporting guns;
       as though they were the insured         k bodily injury (including death and disease) to any member of
       observe, fulfil and be subject to the     your family or your household ;
       terms, exceptions and conditions of
                                               l damage to property belonging to you or any member of your
       the policy so far as they can apply.
                                                 family or household (or in your custody or control or that of
                                                 any member of your family or household ); or
                                               m liability arising from asbestos and asbestos dust.




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