home insurance home cover - allianz · between the insured and allianz. we will, subject to the...

Home Insurance

Home Cover

Allianz ALL36 01-14 KD.qxd 25/03/2014 11:27

Right of CancellationYou have a right to cancel this insurance, provided You have not made atotal loss claim. This right extends for 14 days from the later of:• The date on which cover is incepted• The date on which You receive the full terms and conditions of your

PolicyTo exercise this right You must send written notice to Us, at Allianz, 3 Cromac Quay, The Gasworks, Ormeau Road, Belfast BT7 2JD.


ContentIntroduction 2

Definitions 3

Section 1: Premises 5Additional Benefits 9Liability to Others 12

Section 2: Contents 14Additional Benefits 17Liability to others 23

Section 3: All Risks Cover 26

Sections 1, 2 & 3:Loss Settlement Basis 27

Section 4: Caravan/Mobile Home 28Small Craft 30

Section 5: Legal Expenses 32

Terms and Conditions 36

General Exclusions 40

Endorsements 43

Useful Information

(1) Safety Precautions 46

(2) Making a Claim 48

(3) Allianz Home Assist and Legal Helpline 49

Important Information in relation to 50Your Allianz Policy


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IntroductionWe are very pleased to introduce Youto the Allianz Home Cover InsurancePolicy and thank You for insuringwith Us.

Please read this Policy carefully toensure that it provides the cover Yourequire. If the Schedule details donot agree with the details on yourStatement of Fact/Proposal Formthen please return it immediatelywith a note of the changes thatshould be made.

The reinstatement value of yourPremises shown in the Schedule isindex linked but You should reviewthis from time to time to make sureit represents the full rebuilding cost,including the cost of professionalfees and site clearance.

This Policy (which includes and shallbe read as one document with the

Schedule, Endorsements andStatement of Fact/Proposal Form),evidences a contract of insurancebetween the Insured and Allianz.

We will, subject to the terms,conditions, limitations andexclusions of this Policy, indemnifyYou against loss, damage or legalliability which occurs during anyPeriod of Insurance for which Youhave paid or agree to pay thepremium.

Aidan HanrattyDirector Underwriting


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DefinitionsAny word or expression, which isgiven a specific meaning in thisPolicy, will have the same meaningwherever it appears, unless anycontrary meaning is given to anysuch word or expression in any otherSection of this Policy.

The Insured/YouThe person(s) named on theSchedule under Insured.

We/Us/The CompanyAllianz p.l.c., a trading name ofAllianz p.l.c. registered in Ireland No.143108.

PremisesThe Premises is defined as thePrivate House, occupied forresidential purposes only, built withbrick, stone or concrete and roofedsubstantially with slates, tiles, orother incombustible materials (thePrivate House) and domesticoutbuildings, garages, swimmingpools, hot tubs and tennis courts,including fixtures and fittingstherein and thereon, fuel storagetanks and their contents, terraces,patios, driveways, footpaths, walls,gates, fences, lawns, hedges, trees,shrubs and plants all situate asstated in the Schedule.

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

Money is included up to a maximumof £500.

Any one High Value Item is coveredfor not more than 10% of theContents Sum Insured and the totalof these items is covered for notmore than 50% of the Contents SumInsured unless details have beenadvised to Us and are listed on theSchedule.

Home office equipment i.e. personalcomputers, printers, facsimile,telephone answering machines andthe like, is included for an amount of£5,000 in any one Period of Insurance.

Downloaded information that youhave purchased and stored on youraudio and audio visual equipment,home computer, personal lap topcomputer and mobile phone isincluded up to a maximum of £1,000.

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

mechanically propelledlawnmowers), marine craft,caravans and trailers,aircraft or parts, keys oraccessories of, on or in any ofthem

• Animals and livestock• Deeds, bonds, securities for

money, manuscripts,certificates, bills of exchange,promissory notes anddocuments of every kind unlessspecifically mentioned


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DefinitionsDomestic EmployeeAny employee of the Insuredcarrying on solely private domesticduties.

EndorsementAny alteration to this Policy wording.

ExcessThe amount of any loss You mustpay yourself.

High Value ItemsAny item, set or collection ofjewellery, precious metal, picture,other work of art, furs, stamps, coinsand other such items, sets andcollections.

HouseholdYou and others permanently residingwith You other than paying guests.

MoneyBanknotes, coins, cheques, bankdrafts, postal or money orders,stamps (not forming part of acollection), savings stamps, bonds,certificates, premium bonds, gifttokens, luncheon vouchers, traveltickets or travellers cheques.

Period of InsuranceThe period shown on your Scheduleand any subsequent period forwhich We accept a renewalpremium.

Personal EffectsArticles normally worn or carried onthe person.

UnfurnishedNot adequately furnished orequipped for normal living purposes.

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

All other definitions as detailed inthe Policy.


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Section 1: PremisesThe CoverWe will indemnify You by payment or, at our option, by reinstatement, replacement or repair, forloss or damage to the Premises by any of the causes listed in paragraphs numbered (1) to (12),subject to the terms, limitations, exceptions and exclusions set out in this Policy. In the event of a loss our maximum liability is limited to the Sum Insured stated in the Scheduleor endorsed thereon, less the amount of the Excess stated in the Schedule in respect of each loss,except where indicated within the Policy wording.

NOTE: Forexclusionswhich apply tothe whole ofyour Policy seeGeneralExclusions –Pages 40 - 42

What Your Policy Covers

1) Fire, Explosion, Lightning,Earthquake and Thunderbolt

2) SmokeMeaning direct damage fromsmoke including the sudden,unusual or faulty operation ofany oil, gas, electric domesticheater or domestic cookingappliance located within thePremises.

3) Storm or Flood

4) Freezing, Escape or Overflowof water from within anyplumbing or heating system,fixed water apparatus orfixed domestic appliance

5) Theft (or Attempted Theft)

Excluding Loss or Damage

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

smudging or industrialoperations.

• to fences and gates, lawns,hedges, trees, shrubs and plants,except as a direct result ofdamage to the Private House byStorm or Flood.

• by frost.

• while the Private House isUnfurnished.

• where the Private House hasbeen Unoccupied for more than35 consecutive daysimmediately prior to the loss ordamage.


• where the Private House hasbeen Unoccupied for more than


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Section 1: Premises



5) Theft (or Attempted Theft)

6) Escape or Overflow of oil fromwithin any plumbing orheating system or fixeddomestic appliance

7) Impact by aircraft, aerialdevices or articles droppedfrom them, rail vehicles, roadvehicles or animals

8) Falling trees and branchesand/or externaltelevision/radio aerials, mastsand satellite dishes

9) Riot, Civil Commotion,Strikers, Locked-out workersor persons taking part inlabour disturbances

10) Malicious Damage and Vandalism


35 consecutive days immediatelyprior to the loss or damage.

• when any part of the PrivateHouse is lent, let, sub-let oraccommodating paying guestsunless involving entry or exit byforcible or violent means

• while the Private House isUnfurnished,

or• where the Private House has

been Unoccupied for more than35 consecutive days immediatelyprior to the loss or damage.

• for any amount in excess of£1,500 in respect of lawns, trees,shrubs and plants.

• caused by felling of trees orlopping of branches.

• to hedges and fences.• arising from the cost of

removing fallen trees unlessthey have otherwise resulted ina valid claim under the Policy.

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

• other than by Malicious Fire andExplosion:


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Section 1: Premises



10) Malicious Damage and Vandalism (continued)

11) Subsidence or Heave of thesite on which the PrivateHouse stands or Landslip


• caused by any person lawfullyon the Premises or any personinvited onto the Premises by Youor a member of your Household,

• while the Private House isUnfurnished,

or• where the Private House has been

Unoccupied for more than 35consecutive days immediatelyprior to the loss or damage.

• resulting from demolition,structural alteration or structuralrepair.

• resulting from faultyworkmanship, defective design,the use of defective materials,settlement of newly made upground and coastal, lake or rivererosion.

• to boundary walls, gates, fences,terraces, patios, driveways,footpaths, swimming pools, hottubs and tennis courts unless thePrivate House is damaged at thesame time by this cause.

• resulting from the bedding downof any structure.

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

• also excluding the first £1,000 ofeach and every loss.


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Section 1: Premises



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


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

• by settlement and shrinkage.• caused by animals owned or in

the care custody or control of Youor members of your Household.

• caused by scratching, abradingor denting.

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

• which comes within the terms ofany exclusion or limitation setout in this Policy including, butnot limited to, paragraphs (1) to(11).


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Section 1: Additional Benefits



Alternative AccommodationWe will pay for:(a) Reasonable additional

expenses necessarily incurredby You, for alternativecomparable accommodationfor You and members of yourHousehold,

(b) Loss of rent due to You,(c) Two years ground rent,(d) Rent which continues to be

payable by You, as a result ofthe Premises being rendereduninhabitable followingdamage by an insured cause.

The expense is limited to theperiod necessary forreinstatement and the totalamount payable is limited to 20%of the Premises Sum Insured.

Architects/Surveyors FeesArchitects/Surveyors and legal feesnecessarily and reasonablyincurred with our consent, in thereinstatement of the Premisesfollowing loss or damage coveredby this Policy.

Breakage of Fixed Glass andSanitary FittingsAccidental breakage of:(a) Fixed glass in doors, windows,

skylights, fanlights andverandas, including glass insolar panel units,

(b) Fixed wash-hand basins, fixedbaths, cisterns, fixed sanitaryfittings and fixed shower units.


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

• to swimming pools.• while the Private House is

Unfurnished.• where the Private House has

been Unoccupied for more than35 consecutive days immediatelyprior to the loss or damage.


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What Your Policy Covers Excluding Loss or Damage

Clean Up Expenses Vouched expenses incurred toclean up (but not to landscape),following escape of oil from anyfixed domestic system orappliance will be paid, subject toa maximum amount of £1,500,provided no payment is madeunder Contents cover on this orany other insurance policy.

Debris Removal CostsWe will pay for the cost of debrisremoval, demolition and/orshoring up costs necessarilyincurred with our consentfollowing loss or damage to thePremises by an insured cause.

Emergency AccessWe will pay for damage incurredin the event of a medicalemergency or in order to preventgreater damage.

Paying GuestsPermission is given for not morethan 6 paying guests (at any onetime) to be kept in the PrivateHouse.

Public Authorities RequirementsCostsWe will pay the cost of complyingwith any Government, LocalAuthority, Building or otherRegulation to the extent thatthese apply to parts of thePremises damaged by an insuredcause.



• where notice has been served onYou prior to the occurrence ofthe loss or damage.


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Purchaser’s InterestIf You have contracted to sell thePremises, the contractingpurchaser will have, at yourrequest, the benefit of this Sectionup to the date of completion ofthe sale.

Reinstatement of Sum Insuredafter LossThe Sums Insured will not bereduced by the amount of anyloss.

Satellite Dishes, Television/RadioAerials and Masts We will indemnify You for loss ordamage to external satellitedishes, television/radio aerialsand masts not exceeding 30 feetin height but subject to amaximum amount of £1,000 anyone loss.

Service Pipes and CablesWe will indemnify You foraccidental damage to servicepipes, drains, tanks and cables forwhich You are legally responsible.

Trace and Access We will pay up to £5000 to removeor replace any part of thePremises necessary to repair anyfixed domestic water or heatinginstallation where water or oil hasescaped.

• where the Premises is otherwiseinsured and shall not prejudiceyour or our rights.

• to the item from which theescape occurred.




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Section 1: Liability to Others



Liability To Others as owner ofthe PremisesWe will indemnify You against allsums which You shall becomelegally liable to pay as owner ofthe Premises for accidentshappening on or about thePremises which result in:(a) Death, bodily injury or illness

to any person other than:• Members of your Household• Employees of You or of

members of your Household,(b) Accidental damage to

property other than property belonging to or under the control of:• You• Members of your Household• Employees of You or of

members of your Household.The amount payable in respect ofany one event or series of eventsconstituting one occurrence willnot exceed £2,000,000 inclusive ofall legal fees and other expenses.

Defective Premises ActWe will indemnify You against allsums which You shall becomelegally liable to pay in respect ofany premises previously ownedand occupied by You forresidential purposes and incurredby virtue of Section 3 of theDefective Premises Act 1972 or theDefective Premises (NorthernIreland) Order 1975 provided that:• No other policy covers the

liability• You had sold the premises

before the incident giving rise

Excluding Liability in respect of

• the ownership, possession oroccupation of any other land,buildings or structures.

• the exercise of any business,trade or profession other thanthe provision of:(a) A child minding facility at

the Premises for not morethan 2 children,

(b) Accommodation for payingguests as detailed andsubject to the limit set out inthe Policy or any amendingEndorsement.

• any wilful or malicious act.• any contract which imposed on

You liability which You wouldnot otherwise have been under.


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Defective Premises Act(continued)to the liability occurredIf You cancel this Policy when Yousell your home the cover providedby this section will continue for 7years from the date that coverwas cancelled, provided no otherpolicy covers the liability.The amount payable in respect ofany one event or series of eventsconstituting one occurrence willnot exceed £2,000,000 inclusive ofall legal fees and other expenses.In the event of your death We will,in respect of liability incurred byYou, indemnify your personalrepresentatives in the terms ofand subject to the limitations setout, provided that such personalrepresentatives will, as thoughthey were the Insured, observe,fulfil and be subject to the terms,exceptions and conditions of thePolicy insofar as they can apply.



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Section 2: ContentsThe CoverWe will indemnify You by payment or, at our option, by reinstatement, replacement or repair, forloss or damage to the Contents by any of the causes listed in paragraphs numbered (1) to (12),subject to the terms, limitations, exceptions and exclusions set out in this Policy.

In the event of a loss our maximum liability is limited to the Sum Insured stated in the Scheduleor endorsed thereon, less the amount of the Excess stated in the Schedule in respect of eachloss, except where indicated within the Policy wording.



1) Fire, Explosion, Lightning,Earthquake and Thunderbolt

2) SmokeMeaning direct damage fromsmoke including the sudden,unusual or faulty operation ofany oil, gas, electric domesticheater or domestic cookingappliance located within thePremises.

3) Storm or Flood

4) Freezing, Escape or Overflowof water from within anyplumbing or heating system,fixed water apparatus or fixeddomestic appliance

5) Theft (or attempted Theft)


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

smudging or industrialoperations.






r

e

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Section 2: Contents



5) Theft (or attempted Theft) (continued)

6) Escape or Overflow of oilfrom within any plumbingor heating system or fixeddomestic appliance

7) Impact by aircraft, aerialdevices or articles droppedfrom them, rail vehicles,road vehicles or animals

8) Falling trees and branchesand/or externaltelevision/radio aerials,masts and satellite dishes

9) Riot, Civil Commotion,Strikers, Locked-out workersor persons taking part inlabour disturbances

10) Malicious Damage and Vandalism


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



• caused by animals owned by Youor a member of your Household.

• caused by felling of trees orlopping of branches.

• arising from the cost ofremoving fallen trees unlessthey have otherwise resulted in avalid claim under the Policy.

Other than by Malicious Fire andExplosion:• caused by any person lawfully on

the Premises or any personinvited onto the Premises by Youor a member of your Household,


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Section 2: Contents



10) Malicious Damage and Vandalism (continued)

11) Subsidence or Heave of the site on which the Private House stands or Landslip

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


• while the Private House isUnfurnished, or

• where the Private House hasbeen Unoccupied for more than35 consecutive days immediatelyprior to the loss or damage.

• unless the Private House isdamaged simultaneously.

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

• caused by animals owned or inthe care custody or control of Youor members of your Household.



• any amount over £500 for anyitem of glass, china or porcelain.

• to photographic, television, radioor other receiving, recording orreproducing equipment as aresult of the fitting, repairing,adjusting or dismantling of anypart of such apparatus, or tolamps, tubes, or electroniccomponents in such apparatus.

• to records, audio, video orcomputer discs, tapes orcassettes.

• which comes within the terms ofany exclusion or limitation setout in this Policy including, butnot limited to, paragraphs (1) to(11).


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Alternative AccommodationWe will pay for:(a) Reasonable additional expenses

necessarily incurred by You, foralternative comparableaccommodation for You andmembers of your Household,

(b) Loss of rent due to You,(c) Rent which continues to be

payable by You,(d) The reasonable cost of

temporary storage of Contentsas a result of the Premises beingrendered uninhabitable followingdamage by an insured cause. The expense is limited to the periodnecessary for reinstatement and thetotal amount payable is limited to20% of the Contents Sum Insured.

Audio and Audio Visual Equipmentand their aerials and satelliteaerials – applicable only ifAccidental Damage to Contents isnot included We will pay the cost of replacing orrepairing equipment if accidentallydamaged whilst in the Private House.

Breakage of GlassAccidental breakage of fixed glass infurniture, hobs and mirrors.


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

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

• caused by scratching, abrading ordenting

• caused by fitting, repairing,adjusting or dismantling of anypart of apparatus.

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


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

• to hand mirrors.


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ChristmasThe Contents Sum Insured isautomatically increased by 10%during the months of Decemberand January.

Clean Up Expenses Vouched expenses incurred toclean up (but not to landscape),following escape of oil from anyfixed domestic system orappliance will be paid, subject toa maximum amount of £1,500provided no payment is madeunder Premises cover on this orany other insurance policy.

Compensation for death ofInsured and/or Spouse/CivilPartnerWe will pay £5,000 in the event ofdeath by accident, as a result of:(a) Fire, explosion, lightning or

assault by thieves on thePremises,

(b) Travelling as a passenger bytrain, bus, licensed taxi orhackney,

(c) Assault in the streetwhere death occurs within threecalendar months of suchaccident.

Contents in the open We will indemnify You, up to anamount of £1,000 for loss ordamage by an insured cause,other than Accidental Damage(irrespective of whether cover isindicated in the Schedule) toContents in the open within theboundaries of your Premises.





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Door Locks Replacement We will pay, up to an amount of£500, the cost of replacingexternal door locks and keys ofyour Premises, or to domesticsafes and alarm systems withinyour Premises, specified in theSchedule, where the keys havebeen accidentally lost or stolen.

Emergency AccessWe will pay for damage incurredin the event of a medicalemergency or in order to preventgreater damage.

Fraudulent Use ofCredit/Debit/Cheque Cards We will indemnify You andmembers of your Household upto a maximum of £1,000 in anyPeriod of Insurance, in respect ofall claims resulting from the lossof credit/debit and/or chequecards belonging to You andmembers of your Household andsubsequent fraudulent use by anyunauthorised person.

Freezer and RefrigeratorContents We will indemnify You bypayment or, at our option, byreplacement for loss or damageto food in your deep freeze &refrigerator caused by any of thefollowing events:(a) Rise or fall in the temperature,(b) Contamination by

refrigeration fumes resultingfrom:(i) Accidental damage to the

appliance,


• following non-compliance withthe terms and conditions of thecredit/debit card providerregulations.

• where the loss of thecredit/debit/ cheque card is notreported to the Police and thecard provider upon discoveringthat it is missing.

• following unauthorised use byany member of your Household.

• due to any deliberate act by Youor the Electricity Authority.

• due to any consequence ofstrikes, labour or politicaldisturbances.


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(ii) Failure of the appliance due to its own defect,

(iii) Accidental failure of thepublic supply ofelectricity.

Household RemovalLoss or damage to Contentswhilst:(a) In the course of removal only

by a professional furnitureremoval contractor from thePremises to your newpermanent residence in GreatBritain, Northern Ireland, theIsle of Man or the ChannelIslands,

(b) In temporary storage for up toseven days in a furniturestorage unit.

Liability as a Tenant (ifapplicable)We will pay for all sums Youbecome legally liable to pay astenant, but not as owner, of thePremises following loss ordamage:(a) By any of the causes listed at

paragraphs (1) to (11) of thePremises Section,

(b) To fixed glass and sanitaryware,

(c) To service pipes and cables.The maximum amount We willpay is 20% of the Contents Suminsured in any one Period ofInsurance.

Loss of Metered WaterWe will pay for loss of meteredwater due to your domestic water

• recoverable from any othersource.

• to glassware, china, pottery,porcelain, terracotta or otherbrittle articles unless they havebeen packed for removal byprofessional packers.


• while your Contents are beingtransported by sea.



• as a result of redecoration.


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or heating installations beingdamaged up to a limit of £1,000any one loss.

Loss of OilWe will pay for loss of oil from afixed domestic system orappliance following AccidentalDamage to the heatinginstallation.

Paying GuestsPermission is given for not morethan 6 paying guests (at any onetime) to be kept in the PrivateHouse.

Reinstatement of Sum Insuredafter LossThe Sums Insured will not bereduced by the amount of anyloss.

Shopping We will pay for loss or damage tofood and other goods while You,or a member of your Household,are transporting them from theshop where bought to thePremises specified in theSchedule subject to a maximumamount of £250 any one loss.

Temporary Removal of PropertyLoss of or damage to Contents byan insured cause whiletemporarily removed from yourPrivate House but remaining inthe Republic of Ireland, NorthernIreland, Great Britain, theChannel Islands or the Isle ofMan.



• by Theft or attempted Theft fromany unattended vehicle unless:

• all windows, including sunroof,and doors are securely lockedand the property is completelyconcealed within a closedcompartment or locked boot.

• by Storm or Flood to property intransit or in the open.

• by Accidental Damage.• to property otherwise insured.• to property removed for sale or

exhibition or to furnituredepositories.

• for any amount in excess of£2,000 in respect of property


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Temporary Removal of Property(continued)

Title Deeds The cost of preparing new titledeeds to the Premises if they arelost or damaged while in thePrivate House or in your bank forsafe-keeping. The maximumamount payable is £500.

Visitors and Guests Property Loss or damage to the property ofvisitors and guests by an insuredcause is included up to a limit of£1,000 any one loss.

Wedding GiftsThe Contents Sum Insured isautomatically increased by 10%for a period of one month beforeand one month after the weddingday of You or a member of yourHousehold.

belonging to You or a member ofyour Household, while livingaway from home and attendingcollege or university.

• by Theft or any attempt thereatother than:(a) From any bank, safe deposit

or occupied house,(b) From any building where You

or any member of yourHousehold is temporarilystaying unless involvingentry or exit by forcible orviolent means,

(c) Involving entry to or exit froma building by forcible orviolent means,

(d) During removal to or fromany bank or safe depositwhile in the custody of You ora member of your Household.


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Liability to Domestic Employees We will indemnify You against allsums which You shall becomelegally liable to pay as employerfor death, bodily injury or illness toany Domestic Employee while inyour employment. The amountpayable in respect of any oneevent or series of eventsconstituting one occurrence shallnot exceed £10,000,000 inclusive ofall legal fees and other expenses.

Liability To OthersWe will indemnify You andmembers of your Householdagainst all sums which You shallbecome legally liable to pay:(a) As occupier of the Premises, (b) In a personal capacity within

the Republic of Ireland,Northern Ireland, Great Britain,the Isle of Man, the ChannelIslands or elsewhere in theworld in the course of a visitnot planned to last more than60 consecutive days

for(i) Death, bodily injury or illness to

any person other than:• Members of your Household• Employees of You or of

members of your Household,


• any action for damage broughtin a Court of Law outside GreatBritain, Northern Ireland,Republic of Ireland, the Isle ofMan or the Channel Islands.

• any agreement unless liabilitywould have otherwise applied.

• death, bodily injury or illnesscaused to other members of yourHousehold.

• the ownership, possession or useof any mechanically propelledvehicle, horse-drawn vehicle orcraft. This does not apply tomechanically propelledlawnmowers being used at yourPremises or mechanicallypropelled golf trolleys ormechanically propelledwheelchairs or mobility scooters– PROVIDED that this extensionshall not apply to or include anyliability which is compulsorilyinsurable under any Road TrafficActs or amending statutes.

• the ownership, possession or useof any animal including horsesused for hunting, racing or polo,but this exclusion does not applyto ponies, saddle horses,domestic cats and dogs (otherthan dangerous dogs, asspecified in the Dangerous DogsAct 1991, and/or amendmentsthereto, and/or in anyRegulations made thereunderunless such dogs are, at all times,muzzled, under


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Liability To Others (continued)

(ii) Accidental damage toproperty other than propertybelonging to or under thecontrol of:

• You• Members of your Household• Employees of You or of

members of your Householdcaused by:

• You• Members of your Household

(other than DomesticEmployees)

• Domestic Employees in thecourse of their employmentin connection with thePremises.

We will also indemnify, in likemanner, members of yourHousehold.

The amount payable in respect ofany one event or series of eventsconstituting one occurrence willnot exceed £2,000,000 inclusive ofall legal fees and other expenses.

Unpaid Court judgementsIf You get a judgement from anycourt in Great Britain, NorthernIreland, the Isle of Man or theChannel Islands, awarding Youcompensation and claimant’scosts and expenses for injury orloss of or damage to property


effective control and capable ofidentification) or other domesticpets which are normallydomesticated in the British Isles.

• the ownership of any land orbuilding.

• the occupation of any land orbuilding other than:(a) The Premises specified in

the Schedule,(b) Temporary holiday

accommodation.• any profession, trade or business

other than the provision of:(a) A child minding facility at

the Premises for not morethan 2 children,

(b) Accommodation for payingguests as detailed andsubject to the limit set outwithin this Policy or anyamending Endorsement.

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

or discharge of any firearm otherthan firearms licensed forsporting activities.

• any contract which imposed onYou liability which You wouldnot otherwise have been under.

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

• liability if the person owing Youmoney is also insured by thisPolicy.


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Unpaid Court judgements(continued)against any company orindividual based in the countriesnamed above and that award isnot paid for more than threemonths from the date of thejudgement, We will pay You theunpaid amount of the awardprovided that:• Had the award been made

against You rather than to You,cover for You in respect of suchaward would have applied underthis Section 2 (Liability toOthers) in accordance with itsterms and exclusions

• There is no appeal outstandingandif We make a payment under this event You or your personal representatives must transfer the rights of recovery under the judgement to Us.

The amount payable in respect ofany one award will not exceed£2,000,000.

In the event of your death We will,in respect of liability incurred byYou, indemnify your personalrepresentatives in the terms ofand subject to the limitations setout, provided that such personalrepresentatives will, as thoughthey were the Insured, observe,fulfil and be subject to the terms,exceptions and conditions of thePolicy insofar as they can apply.



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Section 3: All Risks Cover

We will deduct the amount of the Excess stated in the Schedule in respect of each loss.Geographical LimitsThe cover provided by this Section applies to insured property in the Republic of Ireland, NorthernIreland, Great Britain, the Channel Islands and the Isle of Man, and for not more than 60 days inany one Period of Insurance while elsewhere in the world.



The CoverWe will indemnify You andmembers of your Household bypayment or, at our option, byreinstatement, replacement orrepair, for loss or damage causedto:(a) Any item specified in the

Schedule up to a maximum ofthe Sum Insured shownagainst the item,

(b) Jewellery, photographicequipment, musicalinstruments, telephones,contact lenses, personal laptop computers, PersonalEffects, clothing and sportsequipment up to a maximumof the Unspecified All RisksSum Insured shown on theSchedule (limit £1,500 any oneitem) including PersonalMoney up to a limit of £500and bicycles up to a limit of£1,000 in any one Period ofInsurance.


• to camping equipment,documents of any kind andhousehold goods.

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

• to any bicycle while being usedfor racing or while used for hireor reward.

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

• by Theft or attempted Theft fromany unattended vehicle unless:All windows, including sunroof,and doors are securely lockedand the property is completelyconcealed within a closedcompartment or locked boot.

• to sports equipment while in use.• to pottery, porcelain, terracotta,

glass or other brittle items otherthan by fire and theft.

• in relation to telephone airtimeand hands free accessories.

• to musical instruments used forprofessional or semi-professional purposes.

• to musical instruments causedby atmospheric conditions orvery hot or very coldtemperatures.

• in relation to breakage ofmusical instrument strings orreeds.

N.B. Thisinsurance onlyapplies when AllRisks SumInsured isshown on theSchedule.


n

27

Section 1,2 & 3: Loss Settlement BasisPremisesAny admitted claim will be settled on a new for old basis (without deduction for wear, tear ordepreciation), provided:(a) The Premises have been maintained in good repair,(b) Repair or replacement is carried out without undue delay.Otherwise, claims will be settled on an indemnity basis with an appropriate deduction for wear,tear and depreciation.

Contents and All RisksAny admitted claim (excluding claims for household linen and wearing apparel) will be settled ona new for old basis as follows:(a) TOTAL LOSS or destruction will be settled without deduction for wear, tear or depreciation,(b) PARTIAL LOSS will be settled by payment of the cost of repair (if repairs can be made) and

subject to this cost not exceeding the replacement value of the property as new,(c) ALL claims for household linen and wearing apparel will be settled on an indemnity basis

i.e. deduction will be made for wear, tear and depreciation.Subject otherwise to the terms and conditions of the Policy.

Limit of liabilityIn the event of a loss in respect of Premises, Contents and/or All Risks our maximum liability islimited to the Sums Insured stated in the Schedule or endorsed hereon.We will deduct the amount of the Excess stated in the Schedule in respect of each loss, exceptwhere indicated within the Policy wording.


28

Section 4: Caravan/Mobile Home



The CoverWe will indemnify You bypayment or, at our option, byreplacement or repair foraccidental loss or damage to:(a) The Caravan/Mobile Home,

including its accessories,furnishings and utensils,

(b) Clothing and Personal Effectswhilst in the Caravan/MobileHome or whilst temporarily inthe towing vehicle in thecourse of a journey

including the reasonable costsincurred to protect and remove tosuitable repairers and to deliverto your Premises following repair,subject to a maximum amountpayable of £250 in respect of anyone loss.

Where InsuredAnywhere in the Republic ofIreland, Northern Ireland, GreatBritain, the Isle of Man and theChannel Islands, including transitbetween ports.While temporarily within theContinent of Europe in thecustody and control of theInsured for not more than 60 daysin any one Period of Insurance.

Loss Settlement BasisOur maximum liability for anyadmitted claim is limited to themarket value of the property atthe time of its loss or damage, orthe Sum Insured specified in theSchedule (whichever is thelesser).A proportionate adjustment will


• to tyres.• if let for hire or reward or used as

a permanent residence.• by Theft while unattended

unless securely closed andlocked.

• caused by Storm, unless securedat each corner by proprietaryanchor screws and wire hawsersexcept when kept at thePremises specified in theSchedule.

• of Money, stamp collections anddocuments of any kind.

• to High Value Items.• for the amount of the Excess

stated in the Schedule in respectof each loss.

N.B. This Sectiononly applies whena Sum Insured forthis cover isshown on theSchedule.


29

Section 4: Caravan/Mobile Home



Loss Settlement Basis(continued)be made in the settlement of yourclaim if the Sum Insured at thetime of the loss or damage is lessthan the value of all the property,which is the subject of this cover.

Liability to Others We will indemnify You against allsums which You shall becomelegally liable to pay arising out ofthe ownership or use of theCaravan/Mobile Home specifiedin the Schedule which result in:(a) Death, bodily injury or illness

to any person other than: • Members of your

Household • Employees of You or of

members of your Household,

(b) Accidental damage to property other than property belonging to or under the control of:• You• Members of your Household• Employees of You or of

members of your Household.




• the Caravan/Mobile Home whilstit is:(a) Attached to any vehicle,(b) Let for hire or reward or

used as a permanentresidence, or

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


30

Section 4: Small Craft



The CoverWe will indemnify You bypayment or, at our option, byreplacement or repair foraccidental loss or damage to theitems noted in the Schedule.

Loss Settlement BasisOur maximum liability is limitedto the Sum Insured stated in theSchedule or endorsed hereon butsubject also to Condition 5 listedhereunder if the loss or damageoccurs whilst racing.

Liability to OthersWe will indemnify You against allsums which You become legallyliable to pay arising out of theownership or use of the insuredCraft which result in:(a) Death, bodily injury or illness

to any person other than employees of You.

(b) Accidental loss or damage to property or any other craft other than property or any other craft belonging to or under the control of You.

We will also pay the legal costsand expenses incurred by the

N.B. This Sectiononly applieswhen a SumInsured for thiscover is shownon the Schedule.

Definition of small Craft: Vessels not exceeding 17ft in length, with a maximum designspeed not exceeding 17 knots and not more than 15 years old.


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

bruising while the vessel is beingtransported.

• to sails and protective coverssplit by the wind or blown away,unless in consequence ofdamage to the spars to whichsails are bent, or caused by thevessel being stranded or incollision or contact with anyexternal substance (iceincluded) other than water.



• any compulsory insurancerequired under any Road TrafficActs or amending statutes.

• any person engaged in water-skiing, aquaplaning or any othersport or activity while beingtowed by the vessel.

• any punitive or exemplarydamages however described.



Liability to Others (continued)Insured in contesting liability ortaking proceedings to limitliability, with our consent. We willalso pay the costs forrepresentation at any Coroner’sinquest or fatal accident inquiry.

We will also indemnify any personusing the craft with yourpermission.



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Section 4: Small Craft

In addition to the general conditions detailed within this Policy this Section is also subjectto the following CONDITIONS:(a) The Geographical limit of this Section is inland and coastal waters of Ireland and the

United Kingdom,(b) The insured Craft is used solely for personal pleasure purposes only,(c) The insured Craft is not left in the water during the period 1st November to 31st March,(d) The insured Craft at no time engages in water-skiing or other sport or activity involving

the Craft towing items,(e) The indemnity provided to sails, spars, mast, standing and running rigging whilst racing

is 2/3rd the full replacement cost of these items. The calculation of the full replacementcost is based on 50% of the insured value of the Craft,

(f) The Insured shall maintain the Craft and all equipment in a proper state of repair andseaworthiness and shall, at all times, exercise due care and diligence in safeguardingthem.

NOTE: Forexclusions whichapply to thewhole of yourPolicy seeGeneralExclusions –Pages 40 - 42


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Section 5: Legal ExpensesThe Meaning of Words (All Events)You The person(s) named in the Schedule and any member of your Household.Legal Representative The solicitor, or other person appointed under this Policy to represent You.Costs The professional fees and expenses reasonably and properly charged by the LegalRepresentative and your opponent’s costs which You are ordered to pay by a court or tribunal.Geographical limit The Geographical limit for Personal Injury is Great Britain, Northern Ireland, the Channel Islands, the Isle of Man, Andorra, Austria, Belgium, the CzechRepublic, Denmark, Finland, France, Germany, Gibraltar, Greece, Hungary, Italy, Liechtenstein,Luxembourg, Monaco, the Netherlands, Norway, Poland, Portugal, the Republic of Ireland, SanMarino, Slovakia, Slovenia, Spain, Sweden, Switzerland and Turkey.The Geographical limit for Consumer Contract is Great Britain, Northern Ireland, the ChannelIslands and the Isle of Man.

NOTE: Forexclusions whichapply to thewhole of yourPolicy seeGeneralExclusions –Pages 40 - 42

N.B. This Sectiononly applies whena Sum Insured forthis cover isshown on theSchedule.


1 Personal injuryWe will pay the costs of legalaction taken by You or on yourbehalf as a result of an eventwhich causes your death or bodilyinjury:Provided:• The event happens within the

Period of Insurance and theGeographical limit

• The legal action is broughtwithin the Geographical limit

• You have a reasonable chance ofsuccessfully recoveringdamages

The amount payable in respect ofall claims arising from oneincident will not exceed £50,000.

Excluding any Claim

• arising from the use of anymechanically propelled vehicleby You.

• any claim relating to medicaltreatment.

• for Costs We have not agreed toin writing or You have incurredprior to the acceptance of aclaim as valid by the Company.

• for any Costs incurred wherethere is failure to give properinstructions in due time to theLegal Representative or wherethere is a delay by You which inthe opinion of the Company isprejudicial to the case.

• for Costs for which another partyis liable or which are covered byany other insurance policy.

• in respect of disputes betweenYou and the Company.

• arising from any disputebetween You and a member ofyour Household.


u.

33

Section 5: Legal Expenses



2 Consumer contractTaking legal actionWe will pay the Costs of legalaction taken by You in a disputeover a contract You have forbuying, selling or renting goods orservicesprovided:• You entered into the contract

within the Geographical limit• The dispute started within the

Period of Insurance• Any legal action is brought

within the Geographical limit• You have a reasonable chance of

successfully recoveringdamages or settling the disputein another way

The amount payable in respect ofall claims arising from oneincident will not exceed £50,000.

Excluding any Claim

• arising from any dispute whichhappens within three monthsfrom the date this Policy starts,unless the claim is for goods orservices You bought after thestart of this Policy.

• for any dispute involving a claimfor less than £500 or in respect ofany contract under which moneywas owed more than six monthsbefore You reported the claim.

• in respect of mechanicallypropelled vehicle or their partsand accessories.

• in respect of building, convertingor extending your home orarising from any work which isnot carried out for the benefit ofyour permanent home.

• arising from a landlord ortenancy agreement or a leaseagreement.

• arising from a contract for your business activities.

• for Costs We have not agreed toin writing or incurred prior tothe acceptance of a claim asvalid by the Company.

• for any Costs incurred wherethere is failure to give properinstructions in due time to theLegal Representative or wherethere is a delay by You which inthe opinion of the Company isprejudicial to the case.

• for Costs for which another partyis liable or which are covered byany other insurance policy.

• in respect of disputes betweenYou and the Company.

• in respect of disputes betweenYou and any member of yourHousehold.


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Section 5: Legal Expenses ConditionsIf You do not keep to the conditions,We may cancel the Policy, refuse anyclaim and withdraw from any currentclaim.

1 You must do the following:(a) Give Us written details of your

claim along with any othersupporting information We askfor,

(b) Make your claim within sixmonths of the incident whichgave rise to the dispute,

(c) Follow the LegalRepresentative’s advice andprovide any information he orshe asks for,

(d) Take every step to recover Costsand pay them to Us,

(e) Get our written permissionbefore making an appeal,

(f) Make sure that your LegalRepresentative keeps tocondition 2 below.

2 Your Legal Representative must dothe following:(a) Get our written permission

before instructing a barrister orexpert witness,

(b) Tell Us if, at any stage, there isno longer a reasonable chanceof successful defence,recovering damages or gettingany other remedy,

(c) Tell Us immediately if the otherparty makes a payment intocourt or any offer to settle thematter,

(d) Report the result of the claim to

Us when it is finished.3 We will have the right to do the

following:(a) Have any legal bill audited or

taxed,(b) Contact the Legal

Representative at any time, andhave access to all statements,opinions and reports,

(c) End your cover if, during thecourse of the claim, We thinkthere is no longer a reasonablechance of success. If Youcontinue the claim, and get abetter settlement than Weexpected, We will pay yourreasonable Costs, which Youcannot recover from anywhereelse,

(d) Settle the Costs covered by thisPolicy at the end of the claim, ifthose Costs cannot berecovered from anywhere else.

4 Your Agreements with OthersWe will not be bound by anyagreement between You and theLegal Representative, or You andany other person or organisation.See also Claims under Terms and Conditions - .

5 Choosing the Legal RepresentativeWhen You need to start legal proceedings You can choose the Legal Representative. You must send his or her name and address to Us. You may also choose a lawyer to act as your Legal Representative to serve your interests where a conflict of interests arise.

Allianz ALL36 01-14 KD.qxd 25/03/2014 11:28 Page 36

35

Section 5: Legal ExpensesThe following refers to all covers within Section 5: Legal ExpensesWe will not provide the cover for the following:(a) Any claim directly or indirectly

caused by or resulting from anyequipment (whoever owns it)failing to recognise, interpret ordeal with any date change,

(b) Claims made by You against Us.

6 DisputesIf there is a dispute between You and Us the matter may be referred to an Arbitrator, who You and We agree to. If We cannot agree on an Arbitrator, one will be chosen by the President of the Law Society or by the Bar Council.All Costs of the arbitration will be paid for by the person the Arbitrator’s decision goes against. If the decision is not clearly made against either You or Us, the Arbitrator will decide how You and We will share the Costs.


36

Terms and Conditions - General1 Observance of Conditions

The observance by You of theterms, conditions andEndorsements of this Policy as faras they relate to anything to bedone or complied with by You willbe a condition precedent to anyliability of the Company.

2 MisrepresentationThis policy may be voidable in theevent of misrepresentation. Amisrepresentation is where anindividual provides inaccurate,misleading or incompleteinformation.

3 Maintenance and SecurityYou must keep the Premises ingood repair and take all reasonableprecautions to ensure the safety ofproperty insured and to preventaccidents.

4 Change in Information -Continuing Obligation You have a continuing obligationto contact us immediately if theanswers given to any of thequestions have changed since youtook out or last renewed this policy.Failure to do so may lead to thevoidance of your policy.

5 Cancelling this PolicyYou may cancel the Policy/Sectionat any time by written notice. Ifthere has been no claim duringthe current Period of Insurance We

will allow a return of premium forthe unexpired Period of Insurance. We may also cancel thePolicy/Section at any time bysending notice by recordeddelivery to You at your last knownaddress. This notice is effectivefrom midnight on the seventh dayimmediately following the date ofthe recorded delivery letter. Wewill return a proportionate part ofthe premium.Regardless of which Party cancelsthe Policy/Section, if there hasbeen a claim during the currentPeriod of Insurance We will returnno premium.If the Company has agreed toaccept payment of premium forthis Policy by monthly direct debitpayments then in the event ofnon-payment of any monthlypayment on its due date theCompany may cancel this Policyby giving seven days notice byrecorded delivery letter to the lastknown address of the Insured andfollowing the expiry of this noticethe Policy will be automaticallycancelled. The Company will beentitled to payment of thepremium proportionate to thePeriod of Insurance and in theevent of a claim during the currentPeriod of Insurance the Companywill be entitled to the fullpremium.

6 More than one premises insuredThe Premises and/or Contentsthereof, situate where indicated on


37

Terms and Conditions - Generalthe Schedule, are insured as if eachhad been the subject of a separatepolicy.

7 Mortgagee ClauseThe interest of a Mortgagee in thisinsurance shall not be prejudicedby any act or neglect of theMortgagor (or Occupier of thePremises) whereby the risk of lossor damage is increased without theauthority or knowledge of theMortgagee, provided theMortgagee shall, immediately onbecoming aware thereof, givenotice in writing to Us and ondemand, pay such additionalpremium as We may require.

8 Inflation Protection Your sums insured may beautomatically adjusted eachmonth and updated annually atrenewal date:(a) Premises may be adjusted in

accordance with the House Building Cost Index published by the Building Cost Information Service of the Royal Institute of Chartered Surveyors, or by any percentagewe consider appropriate.

(b) Contents may be adjusted in accordance with the General Index of Retail Prices (all items)as published by the Stationery Office, or by any percentage we consider appropriate.

(c) All Risks may be adjusted in accordance with the General Index of Retail Prices (all items)

as published by the Stationery Office, or by any percentage we consider appropriate.

Section (a) does not apply where Youhave selected one of the followingproducts:• FBN – Fixed Bedroom Product• FDN – Flat Bedroom Product

Section (b) does not apply where Youhave selected one of the followingproducts:• BBN – Broker Bedroom Product• FBN – Fixed Bedroom Product• DBN – Direct Bedroom Product• FDN – Flat Bedroom Product

These adjustments may not besufficient for your needs and Youmust periodically review your ownSums Insured

9 Other Insurances If at the time of any incident, whichresults in a claim under this Policy,(other than under Section 5: LegalExpenses) there is any other insurance covering the sameliability, loss or damage, We willpay only our rateable share.


38

Terms and Conditions - General10 Governing Law

This agreement shall be governedby and construed in accordancewith the laws of Northern Irelandand will be subject to thejurisdiction of the NorthernIreland courts.

11 DisagreementAll differences arising out of thisPolicy shall be referred to anArbitrator or if necessary to twoArbitrators, one to be appointedby each of the parties within onemonth after having beenrequested. The Arbitrators shallappoint an Umpire who shall sitwith the Arbitrators and in thecase of disagreement theArbitrators shall submit to thedecision of the Umpire. Themaking of an award shall be acondition precedent to any rightof action against Us. Differencesnot referred to arbitration withintwelve calendar months from thedate on which the differenceoccurred will be deemed to havebeen abandoned.NOTE: This condition does notaffect your right to refer anyclaim or query to the office of theFinancial Ombudsman Service.

12 FraudIf any claim under this Policy is inany respect fraudulent, or if anyfraudulent means or devices(including inflation orexaggeration of the claim, orsubmission of forged or falsifieddocuments) are used by You or

anyone acting on your behalf toobtain any benefit under thisPolicy, We will not pay your claimand We will cancel the Policy.

13 Policy Alteration, Additional andReturn PremiumsWhere your Policy is alteredduring any Period of InsuranceWe will recalculate yourpremium. This may result in anadditional premium due to Us ora return premium due to You.

A premium transaction chargemay be applied to all suchalterations as detailed in yourSchedule. We will only charge orrefund You provided the totalamount, including the premiumtransaction charge, is greaterthan or equal to the amountdetailed in your Schedule.

A Government Levy / InsurancePremium Tax applies to allpremium transactions.


39

Terms and Conditions - Claims1 Your Duties and Our Rights

(a) What You must doTell Us IMMEDIATELY of any loss,damage or accident and givedetails of how the loss, damage oraccident occurred. You will berequired to produce, at your ownexpense, all necessarydocuments and information tosupport any loss and forwardthese to Us, together with acompleted Claim Form, within 30days of first notifying Us of theincident. Any writ, summons,notice of prosecution or otherlegal document You receive mustbe sent to Us, unanswered, onreceipt.

(b) Do Not ProceedYou must not proceed withrepairs (other than emergencyrepairs necessary to limitdamage) without our approval.

(c) Do not negotiateYou, or any other person insuredunder this Policy, or anyone elseacting on your behalf must notnegotiate, admit or repudiate anyclaim without our writtenconsent.

(d) Tell the PoliceYou must advise the Police aboutany incident of theft, attemptedtheft or vandalism, or loss,destruction, damage or injury bymalicious person(s).

2 We are entitled to

(a) Defend or settle legal actionTake over and conduct in yourname, or in the name of any otherperson indemnified by thisPolicy, the defence or settlementof any legal action.

(b) Act to recover paymentTake proceedings at our ownexpense and for our own benefit,but in your name, or in the nameof any other person indemnifiedby this Policy, to recover anypayment We have made underthis Policy.

(c) Co-operation from YouReceive all necessary assistancefrom You or any other personindemnified by this Policy.

(d) SalvageEnter any building where loss ordamage has occurred and dealwith any salvage in a reasonablemanner. However, no propertymay be abandoned to Us.


40

General ExclusionsWe shall not be liable for

1 Radioactive Contamination:(a) Loss or destruction of or

damage to any propertywhatsoever or any loss orexpense whatsoever, directlyor indirectly resulting orarising therefrom, or

(b) Any legal liability ofwhatsoever nature directly orindirectly caused by orcontributed to by or arisingfrom:(i) Ionising radiations or

contamination byradioactivity from anynuclear fuel or from anynuclear waste from thecombustion of nuclearfuel,

(ii) The radioactive, toxic,explosive or otherhazardous properties ofany explosive nuclearassembly or nuclearcomponent thereof.

2 Sonic BoomLoss or damage caused bypressure waves from aircraft andother aerial devices travelling atsonic or supersonic speeds.

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

4 Indirect Loss Any losses that are not directlycovered by the terms andconditions of this Policy.

5 FeesFees incurred in the preparationof any claim.

6 Sets and Matching ItemsAny undamaged item whichforms part of a set, pair, suite orany other article of a uniformnature even when replacementscannot be matched. We will onlybe liable for the value of theparticular item, part or partsthat have been lost or damaged.

7 Wear, Tear and as undernoted:• Wear, tear, rust or corrosion• Gradual deterioration or any

gradually operating cause• The cost of maintenance• Mildew, rising damp, dry/wet

rot, moth, vermin, atmosphericor climatic conditions

• Damage caused by any processof cleaning, dyeing, repairing orrestoring any article

• Mechanical, electrical orelectronic defects, breakdownor malfunction

8 Business, Trade or Professional PurposesThis Policy does not provide coverfor any property held inconnection with any business,


41

General Exclusionstrade or professional purposeother than Home Officeequipment as referred to withinthe Definition of Contents.

9 Pollution or ContaminationWe will not pay for damagecaused by or resulting frompollution or contamination,other than damage caused by:(a) Pollution or contamination

which results from damageby an insured event, or

(b) An insured event whichresults from pollution orcontamination.

10 War and TerrorismNotwithstanding any provisionto the contrary within thisinsurance or any endorsementthereto it is agreed that thisinsurance excludes liability, loss,damage, cost or expense ofwhatsoever nature directly orindirectly caused by, resultingfrom or in connection with anyof the following regardless of anyother cause or event contributingconcurrently or in any othersequence to the loss:

(a) War, invasion, acts of foreignenemies, hostilities or warlikeoperations (whether war bedeclared or not), civil war,rebellion, revolution,insurrection, civil commotionassuming the proportions ofor amounting to an uprising,military or usurped power, or

(b) Any act of terrorism.For the purpose of this GeneralExclusion an act of terrorismmeans the use, or threateneduse, of biological, chemicaland/or nuclear force by anyperson or group(s) of persons,whether acting alone or onbehalf of or in connection withany organisation(s) orgovernment(s), committed forpolitical, religious, ideological orsimilar purposes including theintention to influence anygovernment and/or to put thepublic, or any section of thepublic, in fear.

This General Exclusion alsoexcludes liability, loss, damage,cost or expense of whatsoevernature directly or indirectlycaused by, resulting from or inconnection with any actiontaken in controlling, preventing,suppressing or in any wayrelating to (a) and/or (b) above.

If the Company alleges that byreason of this exclusion anyliability, loss, damage, cost orexpense is not covered by thisinsurance the burden of provingthe contrary shall be upon theInsured.

In the event any portion of thisGeneral Exclusion is found to beinvalid or unenforceable, theremainder shall remain in fullforce and effect.


42

General Exclusions11 Cyber Risk

This Policy does not apply toliability, loss, damage, cost orexpense of whatsoever naturedirectly or indirectly caused by,resulting from or in connectionwith:(a) The loss of, alteration of or

damage to, or(b) A reduction in the

functionality, availability oroperation of a computersystem, hardware,programme, software, data, information repository, microchip, integrated circuitor similar device incomputer equipment or non-computer equipment thatresults from the malicious ornegligent transfer (electronicor otherwise) of a computerprogramme that containsany malicious or damagingcode including but notlimited to computer virus, worm, logic bomb or trojan horse.


43

Endorsements(operative only if indicated on the Schedule)

H01 – Security Precautions 1It is a condition of your Policy that:(a) All external doors are fitted with

mortice deadlocks ordeadlocking rim latches,

(b) All French windows and/or patiodoors are fitted with appropriatesecurity locks,

(c) All ground floor windows andother accessible openingwindows are fitted with windowlocks.

H02 – Security Precautions 2Where a burglar alarm is installed asour requirement or for which Youhave been allowed a premiumdiscount You hereby agree tomaintain the installation inaccordance with the suppliersrecommendations and to have thealarm switched on and in service onall practical occasions.

H03 – Special Security Precautionsfor JewelleryIt is a condition of your Policy that allitems of jewellery valued in excess of£7,500 are kept in a locked safe whennot in the personal custody of anadult.

H04 – Single High Value Item LimitThe High Value Item limit of 10%,included within the Contentsdefinition, is deleted for items listedon the Schedule and is replaced bythe monetary amount shownagainst each item.

H05 – Total High Value Items LimitThe High Value Items total of 50%,included within the Contentsdefinition, is deleted and replaced bythe monetary amount shown on theSchedule.

H06 – Paying GuestsYour Policy automatically allows forthe provision of accommodation for6 paying guests. This is increased to12 paying guests.

H07 – Premises Let to TenantsThe Premises is let to tenant(s) inthe number of units shown on theSchedule.Unless contained in a portion of thePremises occupied by You, no coveris provided for Money or High ValueItems.In settling claims for all items ofContents due allowance will bemade for wear, tear anddepreciation.The Exclusion regarding “profession,trade or business” referred to underLiability to Others does not apply toyour business as Lessor of thePremises specified in the Schedule.

H08 – Premises used partly forbusiness purposes, other than aHome OfficeThe Premises is partly occupied inconnection with your business asdisclosed to Us. Within that portion of the Premisesno cover is provided for Money orany High Value Item and Accidental


44

Damage to Contents is not included(whether indicated or not on theSchedule). The insurance provided for Theft orattempted Theft of Contents, onlyapplies if accompanied by violentand forcible entry or exit and issubject otherwise to the terms,limitations and exceptionsotherwise specified in this Policy. The Exclusion regarding “profession,trade or business” referred to underLiability to Others does not apply toyour business as disclosed but, Wewill not insure You for any amountwhich You might become legallyliable to pay for death, injury, illnessor loss or damage caused byremedial, professional or otheradvice or treatment – other than medical First AidTreatment – given or administered or omittedby You, or by any of your servants,employees or Agents.

H09 – Holiday HomeThe Premises is occupied as aHoliday Home.Whenever You are not in residence itis a condition of your Policy that:(a) Contents will exclude Money and

High Value Items,(b) A responsible person is

appointed to supervise andregularly check the Premises,

(c) The electricity and water are turned off at the mains and the water system is drained. This condition shall not apply if thecentral heating system is set to

automatically come into usedaily by means of a time switchwith the thermostat set to aminimum temperature of 55degrees Fahrenheit and the loft hatch/door left open wherefitted.

H10 – Non-standard ConstructionIt is hereby noted that the PrivateHouse is constructed of the materialsdisclosed to Us and not as defined atPremises.

H11 – Satellite Dishes,Television/Radio Aerials and MastsThe reference to “30 feet in height” is substituted by the number of feetshown on the Schedule. Themonetary amount referred toremains unchanged.

H12 – Home Office EquipmentThe amount of £5,000,includedwithin the Contents definition, isincreased to the amount stated onthe Schedule.

H13 – Restriction and/or exclusionof Certain CoversYour Policy restricts and/or excludescover as detailed on the Schedule.

H14 – Fire Cover OnlyThe insurance provided by yourPolicy is hereby limited to – “Fire,Explosion, Lightning, Earthquake”.No other insurance is provided byyour Policy.



45

H15 – Fire & Homeowners LiabilityThe insurance provided by yourPolicy is hereby limited to – “Fire,Explosion, Lightning, Earthquakeand Thunderbolt” and the insuranceprovided under the heading “Liability to Others as Owner of thePremises” as described under thePremises Section. No other insuranceis provided by the Policy.

H17 – Excluding Fire CoverSections 1 and 2 as operativeexclude "Fire, Explosion, Lightning,Earthquake and Thunderbolt".

H18 – SettingsIt is a condition of All Risks Coverthat the settings of any item ofjewellery valued in excess of £7,500be checked by a jeweller at leastonce every 2 years.

H19 – Excluding Subsidence CoverThe insurance provided by our Policyexcludes the cover described underthe heading "Subsidence" - Section 1and / or Section 2 as operative.

H20 – Excluding Theft CoverThe insurance provided by our Policyexcludes the cover described underthe heading "Theft" - Section 1 and/orSection 2 as operative.

H35 - Freezing, Escape or Overflowof water Excess £300The Excess for all Freezing, Escape orOverflow of water from within any

plumbing or heating system, fixedwater apparatus or fixed domesticappliance Claims is £300. This doesnot apply if there is a compulsoryExcess or an exclusion in cover forthis peril.

H36 - Freezing, Escape or Overflowof water Excess £350The Excess for all Freezing, Escape orOverflow of water from within anyplumbing or heating system, fixedwater apparatus or fixed domesticappliance Claims is £350. This doesnot apply if there is a compulsoryExcess or an exclusion in cover forthis peril.





46

Safety PrecautionsFire PreventionElectrical AppliancesElectrical sockets should not beoverloaded. The ideal is oneappliance, one socket.Replace worn flexes immediatelyand unplug all appliances when notin use.

Heating AppliancesKeep heaters away from furniture,curtains and bedclothes.Never move or refuel an oil or gasheater while it is lit.

Open FiresNever leave a room without putting aspark guard in front of the fire.Have your chimney swept regularly – at least twice a year.

CookingKeep all electrical flexes off cookerrings or hobs.Be especially careful with chip pans,they should never be left unattendedon a lighted cooker.

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

At NightUnplug all electrical appliances –especially the TV set.Close doors to all rooms as this willassist in containing fire and smokeshould a fire break out.

Water DamageEvery year severe winter conditionscause pipes to freeze and burst. Theensuing water damage to your houseand contents can be quitesubstantial. We urge You to takeprecautions to help reduce, orprevent, loss or damage of thisnature in the winter months:All pipes and tanks should be fullylagged.Leave the underside of attic tanksunlagged to ensure rising warmthcan reach them.Inspect your cold water tank forrust/corrosion.

In WinterMost damage tends to occur whilepeople are away from home. If Youare away for a few days, unless yourheating is being left on:Turn off the water supply at themains and drain your domestichot/cold water system by letting thetaps run.

NB. When You return home do notlight your boiler until the system iscompletely filled. Refill slowly toavoid airlocks.


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Safety PrecautionsBurglary PreventionWhile your insurance covers thefinancial loss You suffer as a result ofa break-in, nothing can protect Youfrom the emotional trauma andshock suffered when a strangerransacks your home and rummagesthrough your belongings. However,there is a lot You can do to helpprevent it happening in the firstplace.

All External DoorsFit mortice deadlocks to all externaldoors or security locks in respect ofFrench windows and patio doors.You should lock these doors even ifYou are out for just a short time.

All Accessible WindowsA large number of break-ins occurthrough windows. Fit security locksto all accessible windows, i.e. thoseon the ground floor or neardrainpipes or flat roofs.

Going out at NightWhen You go out for the evening, it’sa good idea to draw the curtains andleave a light on in the living room ora bedroom. Leaving the hall light onis not a good deterrent. Keep yourgarage/garden shed locked. Do notleave garden implements, especiallyladders, lying around. They couldhelp a thief gain access to yourhome.

Going on HolidayWhen You go away on holiday,cancel all deliveries, i.e. milk,newspapers etc. Give a key to atrusted neighbour and ask him or

her to keep an eye on the house andto remove mail from the letterbox orhall. Inform your local Police stationthat You will be away.


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Making a ClaimWhile We hope that You will not have any loss or damage, if You do need tomake a claim please telephone Us on 028 9089 1320 or contact Us at Allianz, 3 Cromac Quay, The Gasworks, Ormeau Road, Belfast BT7 2JD. When You call,please provide your Policy number, details of what happened, and the timeand date of the incident.

Complete and return a claim form. Estimates should be submitted with yourclaim. Once the estimate has been agreed You can proceed withrepairs/redecoration.

If property has been stolen or maliciously damaged, or if You lose a valuableitem, You should inform the Police as soon as possible.

When necessary – in the case of broken windows or burst pipes for example –You should have emergency repairs carried out immediately to preventpossible further damage to your property.

If the claim includes injury to someone else or damage to their property, Youshould send written details to Us as soon as possible. It is vital that We dealwith such claims on your behalf. Any letters or documents You receive shouldbe sent unanswered to Us without delay.

Where We need to discuss your claim You will be contacted as soon as possibleto make an appointment.

If You have any queries or if You need any advice in making your claim justcontact Us and We will be happy to help You.


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Allianz Home AssistYou can use our Home Assist helpline 24 hours a day, 365 days a year.Allianz Home Assist gives You rapid access to top quality tradesmen andrepairers who will provide You with assistance in the event of an emergencywhich results in loss or damage to your home.For example, damage to your:• Roof• Plumbing and drainage systems• Domestic gas or electricity supply (where there is a complete failure)• External locks, doors and windowsAllianz Home Assist operates 24 hours a day, 365 days a year, anywhere inNorthern Ireland.When an emergency happens ring Us immediately on 0845 2064684.

Legal HelplineYou are entitled to use our Lawphone service which gives You advice on anypersonal legal matter. This service is available 24 hours a day, 365 days a year.When You ring, please state that You are an Allianz customer and quote:Scheme Number: 35465Phone Number: 0844 873 0243We will pass your enquiry to a legal adviser who will return your call.


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Important Information in relation to Your Allianz PolicyYour insurer The underwriter of your insurance isAllianz p.l.c., registered in Ireland,Companies Registration Office No. 143108, trading as Allianz,having its registered head office atAllianz House, Elmpark, MerrionRoad, Dublin 4. Our branch tradingaddress is Allianz plc, 3 Cromac Quay, The Gasworks,Ormeau Road, Belfast BT7 2JD.

Statutory StatusAllianz p.l.c. is authorised by theCentral Bank of Ireland and issubject to limited regulation by theFinancial Conduct Authority. Detailsabout the extent of our regulation bythe Financial Conduct Authority areavailable from us on request.

What We doAllianz p.l.c. is a non-life insuranceundertaking which underwritespersonal, commercial, education,religious and social insuranceproducts.

How we charge The charge for our services is thepremium (including applicableinsurance premium tax). Thispremium and any optional coversare separately specified in yourSchedule/Renewal notice.

LanguageYour policy and all communicationswith you or by you to us will be inEnglish.

Governing lawYou and we may choose the lawapplicable to this contract. It ishereby agreed that this contract isgoverned by the Laws of NorthernIreland unless we agree with youotherwise in writing. The NorthernIrish Courts will have jurisdiction tohear any dispute other than anydispute which must be referred toarbitration under the arbitrationclause of this policy.

Default Non-payment of your premium orpart thereof or breach by you ofcertain conditions of your policymay lead to your policy beingrevoked or cancelled.

Right of Withdrawal You have the right to withdraw fromthis policy, provided you have notmade a total loss claim, within 14days of the latest of:(1) The starting date of cover, or(2) The date on which you receive

the full terms and conditions of your Policy.

Withdrawal effectively means thatno policy was ever in place, and youmay exercise this right by notice inwriting to us at Allianz plc, 3 Cromac Quay, The Gasworks,Ormeau Road, Belfast BT7 2JD,quoting your policy number. Shouldyou exercise this right we will refundyou any part of your premium youhave paid less an administration


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Important Information in relation toYour Allianz Policycharge as detailed in your schedule.If the cover is motor insurance, thepremium cannot be refunded untilthe Allianz Certificate of MotorInsurance has been returned toAllianz. Please note that the right ofwithdrawal does not apply if theinsurance policy under whichinsurance cover is provided is forless than 1 month.

Policy Alteration, Additional andReturn Premiums Where your policy is altered orcancelled during any Period ofInsurance, we will re-calculate yourpremium. This may result in anadditional premium due to us, or areturn premium due to you. Apremium transaction charge may beapplied to all such alterations, asdetailed in your schedule. Whereapplicable, the premium transactioncharge will be added to anyadditional premium due to us, ordeducted from any return premiumdue to you. We will only charge orrefund a premium provided theamount is greater than or equal tothe amount detailed in yourschedule. An insurance premium taxapplies to all premium calculations.

Alteration to terms and conditions In the event of a claim we mayadvise you, at the time of your nextrenewal, of altered policy terms andconditions which increase yourpremium and/or excess, and/orreduce cover.

Claims If you need to make a claim, pleasetelephone us on 028 9089 5600 orcontact us at Allianz plc, 3 Cromac Quay, The Gasworks,Ormeau Road, Belfast, BT7 2JD. Whenyou call, please provide your policynumber, details of what happened,and the time and date of the incident.

ComplaintsWe aim to deliver the very higheststandards of customer care. If youhave an enquiry or complaint, pleasecontact, with your policy/quotenumber and details: Head of Customer Focus, Allianz plc, 3 Cromac Quay, The Gasworks, Ormeau Road, Belfast BT7 2JD, Tel: +028 90895600, Email: [email protected].

If you remain dissatisfied with ourfinal response to your complaint youcan refer your complaint to theFinancial Ombudsman Service. Youmust do this within six months ofthe date of our decision. The contactdetails are: The Financial Ombudsman Service,South Quay Plaza, 183 Marsh Wall, London E14 9SR,Telephone 0800 023 4567, Fax 020 7964 1001 Email: [email protected], Website: www.financial-ombudsman.org.uk.


Important Information in relation toYour Allianz PolicyIf you are a resident of the Republic of Ireland youmay also refer your complaint to the Financial Services Ombudsman Bureau, 3rd Floor Lincoln House, Lincoln Place, Dublin 2, Locall: 1890 882090, Tel +353 1 6620899, Fax +353 1 6620890, email: [email protected],website www.financialombudsman.ie.

The Financial Services Ombudsman willexamine complaints from all customers, exceptlimited companies with a turnover of €3 millionand above.

Call RecordingPlease note that Allianz may record and monitortelephone calls for regulatory, training andquality purposes.


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Allianz3 Cromac QuayThe GasworksOrmeau RoadBelfast BT7 2JD

Allianz is a trading name of Allianz p.l.c. registered in Ireland No. 143108Registered office: Allianz House, Elmpark, Merrion Road, Dublin 4.


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