Home Disclosure & Assumptions

I agree a €25 cancellation fee will be deducted from any refund due to me as a result of the insurance policy being cancelled.

Disclosure Requirements

Failure to disclose all material information (i.e. information likely to influence the assessment and acceptance of your Proposal) or providing false information could result in one or more of the following actions:

  • your policy being cancelled;
  • your policy being treated as null and void;
  • a claim not being paid;
  • claims paid being recovered from you;
  • you become liable for additional premiums which the insurer reserves the rights to collect;
  • Terms and Conditions of the policy being amended.

Should any of these actions be taken against you, then you will be obliged to disclose this on any future request for cover or quotation, which may cause you difficulty in trying to purchase insurance elsewhere. Also failure to have property insurance in place could lead to a breach in terms and conditions attaching to any loan secured on that property. If you are in any doubt whether any information is material, it should be disclosed.

Assumptions

Holiday Home

Please note that insurance will be provided to you on the basis that you have confirmed the following statements to be true:

1. The property is not a rented Holiday Home and is used only for recreational purposes.

2. You or any member of your household, in the last three years have:

(i) Not made more than one household insurance or liability claim (whether the claim was covered by the policy or not).

(ii) Not made a claim totalling more than €5,000.

(iii) No open claim.

3. The property, including domestic outbuildings, is in a good state of repair and will be maintained in a good state of repair at all times and are free from any signs of external or internal cracks other than fine surface cracks in plaster.

4. The property, including domestic outbuildings:

(i) Does not have any trade, profession or business being carried out other than use as a home office limited to dealing with paperwork and phone calls.

(ii) Is not used to store commercial goods.

(iii) Is not used as the place of employment for any employee other than Domestic Employees.

5. The property, including domestic outbuildings:

(i) Shows no sign of damage which may be attributable to subsidence, heave or landslip.

(ii) Has never been monitored for subsidence, heave or landslip.

(iii) Has never been subject to a survey which mentions settlement or movement of the property.

(iv) Has never been underpinned.

(v) Is in an area free from subsidence, heave, landslip, coastal or river erosion.

6. The property, including domestic outbuildings:

(i) Has never suffered damage due to flooding.

(ii) Is not in an area with a history of flooding.

7. The property is constructed of brick, stone or concrete, including timber frame with concrete or brick external cladding.

8. The property is roofed with slates, tiles, concrete, metal (other than corrugated iron), asphalt, mineral felt or torch on felt. Where any portion of the roof is covered with mineral felt or torch-on felt, it is no greater than 20% of the total roof area.

9. The property is not currently under construction, renovation, extension, repair or redecoration (excluding minor internal decoration work such as painting and wallpapering).

10. The proposer/s for this insurance is an individual and not a company or firm.

11. The property is not a thatched property, country mansion, wind and water mill, working farm or a flat/ bedsit within a converted property.

12. The property is not a listed building or subject to a preservation order.

13. You or any member of your household have never been convicted of, or have any prosecutions pending, for any offence other than speeding or parking offences (Please note you do not have to disclose convictions that are considered spent).

14. You or any members of your household have never been refused insurance or had insurance cancelled or special terms or conditions imposed by any insurer (for example, increased excesses or policy loadings).

 

Landlord

Eligibility Criteria

Please note that insurance will be provided to you on the basis that you have confirmed the following statements to be true:

 

1.The property is occupied solely as private living accommodation.

2. The proposer/s for this insurance, in the last three years:

(i) Not made more than one household insurance or liability claim (whether the claim was covered by the policy or not).

(ii) Not made a claim totalling more than €5,000.

(iii) No open claim.

3. The property, including domestic outbuildings, is in a good state of repair and will be maintained in a good state of repair at all times and are free from any signs of external or internal cracks other than fine surface cracks in plaster.

4. The property, including domestic outbuildings:

(i) Does not have any trade, profession or business being carried out.

(ii) Is not used to store commercial goods.

(iii) Is not used as the place of employment for any employee other than Domestic Employees.

5. The property, including domestic outbuildings:

(i) Shows no sign of damage which may be attributable to subsidence, heave or landslip.

(ii) Has never been monitored for subsidence, heave or landslip.

(iii) Has never been subject to a survey which mentions settlement or movement of the property.

(iv) Has never been underpinned.

(v) Is in an area free from subsidence, heave, landslip, coastal or river erosion.

6. The property, including domestic outbuildings:

(i) Has never suffered damage due to flooding.

(ii) Is not in an area with a history of flooding.

7. The property is constructed of brick, stone or concrete, including timber frame with concrete or brick external cladding.

8. The property is roofed with slates, tiles, concrete, metal (other than corrugated iron), asphalt, mineral felt or torch on felt. Where any portion of the roof is covered with mineral felt or torch-on felt, it is no greater than 20% of the total roof area.

9. The property is not currently under construction, renovation, extension, repair or redecoration (excluding minor internal decoration work such as painting and wallpapering).

10. The proposer/s for this insurance is an individual and not a company or firm.

11. The property is not a converted house subdivided into flats or bedsits.

12. The property is not a thatched property, country mansion, wind and water mill or working farm.

13. The property is not a listed building or subject to a preservation order.

14.The property is not left unoccupied for more than 30 consecutive days.

15.The property is not let to student(s).

16.There is a current lease or rental agreement in place between you (the landlord) and the tenant for a period of not less than 6 months.

17.The proposer/s for this insurance have never been convicted of, or have any prosecutions pending, for any offence other than speeding or parking offences (Please note you do not have to disclose convictions that are considered spent).

18. The proposer/s for this insurance have never been refused insurance or had insurance cancelled or special terms or conditions imposed by any insurer (for example, increased excesses or policy loadings).

 

Owner Occupied/Tenant

Eligibility Criteria

Please note that insurance will be provided to you on the basis that you have confirmed the following statements to be true:

 

1.The property is your main residence, occupied by you and members of your household.

2. You or any member of your household, in the last three years have:

(i) Not made more than one household insurance or liability claim (whether the claim was covered by the policy or not).

(ii) Not made a claim totalling more than €5,000.

(iii) No open claim.

3. The property, including domestic outbuildings, is in a good state of repair and will be maintained in a good state of repair at all times and are free from any signs of external or internal cracks other than fine surface cracks in plaster.

4. The property, including domestic outbuildings:

(i) Does not have any trade, profession or business being carried out other than use as a home office limited to dealing with paperwork and phone calls.

(ii) Is not used to store commercial goods.

(iii) Is not used as the place of employment for any employee other than Domestic Employees.

5. The property, including domestic outbuildings:

(i) Shows no sign of damage which may be attributable to subsidence, heave or landslip.

(ii) Has never been monitored for subsidence, heave or landslip.

(iii) Has never been subject to a survey which mentions settlement or movement of the property.

(iv) Has never been underpinned.

(v) Is in an area free from subsidence, heave, landslip, coastal or river erosion.

6. The property, including domestic outbuildings:

(i) Has never suffered damage due to flooding.

(ii) Is not in an area with a history of flooding.

7. The property is constructed of brick, stone or concrete, including timber frame with concrete or brick external cladding.

8. The property is roofed with slates, tiles, concrete, metal (other than corrugated iron), asphalt, mineral felt or torch on felt. Where any portion of the roof is covered with mineral felt or torch-on felt, it is no greater than 20% of the total roof area.

9. The property is not currently under construction, renovation, extension, repair or redecoration (excluding minor internal decoration work such as painting and wallpapering).

10. The proposer/s for this insurance is an individual and not a company or firm.

11. The property is not a thatched property, country mansion, wind and water mill, working farm or a flat/ bedsit within a converted property.

12. The property is not a listed building or subject to a preservation order.

13. The property is not left unoccupied for more than 30 consecutive days.

14. You or any member of your household have never been convicted of, or have any prosecutions pending, for any offence other than speeding or parking offences (Please note you do not have to disclose convictions that are considered spent).

15. You or any members of your household have never been refused insurance or had insurance cancelled or special terms or conditions imposed by any insurer (for example, increased excesses or policy loadings).