Home Insurance - Blue Insurance

2MB Size 4 Downloads 28 Views

Blue Insurance Limited is regulated by the Central Bank of Ireland. .... OPTIONAL COVER: HOME EMERGENCY ASSISTANCE (IF INCLUDED IN YOUR POLICY ...
0818 484 484

Home Insurance

Transform Your Insurance POLICY DOCUMENT

Blue Insurance Limited is regulated by the Central Bank of Ireland.

Pet Insurance Transform Your Insurance

0818 484 484

COVER DETAILS INCLUDE: • • • •

Accident Vet Fees Illness Vet Fees Third Party Liability Kennel Fees

• • • •

Cover may vary depending on the policy level purchased. Blue Insurance Limited is regulated by the Central Bank of Ireland.

Death from Accident Benefit Cattery Fees Theft Straying

WELCOME TO YOUR HOME COVER INSURANCE POLICY Allied Risk is committed to delivering the promise made by this Insurance Policy through a customer-focussed approach to everything we do. We aim to provide a standard of customer service that fulfils and surpasses your expectations. This insurance is arranged by Allied Risk Insurance & Reinsurance Services Limited with UK General Insurance Ltd on behalf of SureStone Insurance dac, Allied Risk is regulated by the Central Bank of Ireland. Registered in Ireland No 69274. UK General Insurance Ltd is regulated by the Financial Conduct Authority, UK. SureStone Insurance dac is regulated by the Central Bank of Ireland. The schedule and any endorsements are all part of the policy and are to be read as one document and any word or expression used with a specific meaning in any of them has the same meaning wherever it appears. Words with specific meanings are defined on page 2 of this policy booklet. We will insure you under those sections shown in the schedule during any period of insurance for which we have accepted your premium provided all the terms and conditions of the policy are kept. This cover applies throughout the Republic of Ireland.

Mr. Ronan Ryan ACII Director Allied Risk Insurance & Reinsurance Services Limited. 13 Fitzwilliam Street Upper, Dublin 2.

Gadget Insurance Transform Your Insurance

0818 484 484

COVER DETAILS INCLUDE: • • • •

Accidental Damage Theft Loss Breakdown

• • • •

Fraudulent Call Use Liquid Damage 60 Days Worldwide Cover Max 2 Replacements

Cover may vary depending on the policy level purchased. Blue Insurance Limited is regulated by the Central Bank of Ireland.

Home l Policy Document CONTENTS IMPORTANT NOTE................................................................................................................................................................................1 DEFINITIONS........................................................................................................................................................................................2 SECTION 1: BUILDINGS & CONTENTS.................................................................................................................................................4 SECTION 2: ALL RISKS COVER............................................................................................................................................................ 11 POLICY CONDITIONS......................................................................................................................................................................... 12 GENERAL POLICY EXCLUSIONS......................................................................................................................................................... 13 MAKING A CLAIM............................................................................................................................................................................. 14 COMPLAINTS..................................................................................................................................................................................... 14 OPTIONAL COVER: HOME EMERGENCY ASSISTANCE (IF INCLUDED IN YOUR POLICY SCHEDULE).............................................. 15 DEFINITIONS...................................................................................................................................................................................... 16 COVER: YOUR BENEFITS......................................................................................................................................................................17 COVER: CONDITIONS, EXCLUSIONS AND LIMITS..............................................................................................................................17 CLAIMS............................................................................................................................................................................................... 19 GENERAL CONDITIONS..................................................................................................................................................................... 19 OPTIONAL COVER: FAMILY LEGAL PROTECTION (IF INCLUDED IN YOUR POLICY SCHEDULE)........................................................ 21 DEFINITIONS.......................................................................................................................................................................................23 COVER................................................................................................................................................................................................24 WHAT WE WILL PAY............................................................................................................................................................................24 INSURED INCIDENTS WE WILL COVER................................................................................................................................................24 WHAT IS NOT COVERED BY THIS POLICY...........................................................................................................................................27 CONDITIONS WHICH APPLY TO THE WHOLE POLICY........................................................................................................................27

Travel Insurance Transform Your Insurance

0818 484 484

COVER DETAILS INCLUDE: • • • •

Cancellation or Curtailment Emergency Medical Expenses Personal Accident Baggage

• • • •

Personal Money & Documents Personal Liability Missed Departure Holiday Abandonment

Cover may vary depending on the policy level purchased. Blue Insurance Limited is regulated by the Central Bank of Ireland.

Home l Policy Document IMPORTANT NOTE This is your Blue Insurance Home Cover Policy. Please read it carefully. It sets out the details of the contract you have made with us. The Proposal and Declaration which you made to us are incorporated in and form part of this contract. Failure to disclose material facts could result in your contract being invalidated/cancelled, a claim not being paid, a claim payment being reduced, difficulty in obtaining insurance in the future and failure to have property insurance in place could lead to a breach of the terms and conditions attaching to any loan secured on the property. The schedule and any endorsements are all part of your policy and shall be considered as one document. Check your schedule to find out which sections you are insured for and read them along with your policy. You should also pay particular attention to the Conditions and Exclusions set out on Page 9 as these apply to all sections. Whilst your Blue Insurance Home Cover Policy insures you against a wide range of contingencies, it does not insure you against every possible loss, for example, it is not a maintenance contract, and if the only damage is due to wear, tear or deterioration there is no cover under your policy. It is your responsibility to provide complete and accurate answers to the questions we ask when you take out your insurance policy, throughout the life of your policy, and when you renew your insurance. Please note that if you fail to disclose any material information to your Insurer(s) (these are facts that the Insurer would regard as likely to influence the assessment and acceptance of this policy) this could invalidate your insurance cover and could mean that part or all of a claim may not be paid. If you are unsure as to what facts would influence your policy please contact us on 0818 484 484. Remember to tell us if you plan to leave your Home unoccupied for more than 35 consecutive days and what additional measures you are going to take. Please note there is a significant reduction in cover when your home is unoccupied for more than 35 days. Data Protection Information Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Acts 1988 and 2003, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties THIS BOOKLET IS AN IMPORTANT DOCUMENT. PLEASE KEEP THIS POLICY IN A SAFE PLACE - YOU MAY NEED TO REFER TO IT IF YOU MAKE A CLAIM.

1

Home l Policy Document DEFINITIONS We are committed to clearer communications in our dealings with you, the policyholder. We understand the need and desire for plain English and note that the words used in this document should be given their normal, everyday meaning. However, there are some terms which require more precise definition and we set out hereunder the meaning of these words and terms. To help you identify these words in the Policy we have printed them in bold throughout. BUILDINGS: The home being built of brick, stone or concrete and roofed with slates, tiles, asphalt or metal, including landlord’s fixtures and fittings, its garages and domestic outbuildings, permanent swimming pools, hard-courts, paved terraces, patios, drives, paths, walls, gates and fences, all contained within the boundaries of the land of the home. CONTENTS: 1. Household goods, valuables items and belongings, excluding money but including credit cards (up to €500) owned by, or the legal responsibility of you or a member of your family when in your home. 2. Tenant’s fixtures and fittings. 3. €200 for personal effects of visitors whilst in the home provided they are not insured elsewhere 4. Office furniture and office equipment, including computers, printers, typewriters, facsimile machines, photocopiers and telephone answering machines, all used for business or professional purposes up to a total value of €4,000

The following property is not included as Contents: • Mechanically propelled or assisted vehicles of all types (other than domestic gardening machinery), electric or motorised wheelchairs, caravans, trailers, watercraft, aircraft, hovercraft, boats and parts or accessories for any of them. • Swimming pool covers. • Pets and livestock. • Any part of the structure, fixtures and fittings (except those for which a tenant is legally liable), ceilings or decorations of the home. • Property more specifically insured. • Bonds, bills of exchange, promissory notes and securities for money. • Property used for business or trade purposes • Plants, trees or any growing matter. • Contact or corneal lenses.

COST OF REBUILDING: The full cost of reconstruction of the buildings in the same form, size, style and condition as when new, including the cost of complying with any government or local authority requirements, fees and associated costs, including Architect Surveyor’s Fees and the cost of clearing the site and making it and the home safe. CREDIT CARDS: Credit, cheque, debit, charge or cash cards. DOMESTIC EMPLOYEE: Any person under a contract of service with you which is solely for private domestic duties including gardeners, persons carrying out repair work other than contractors or persons engaged solely to make extensions or nonmaintenance alterations to the home, and other temporary or casual employees. ENDORSEMENT: any written document that alters the terms and conditions of your policy EXCESS: The amount of each claim you have to pay. FAMILY: You, your relatives (including your partner) who permanently reside in the home. HOME: The house, bungalow or self contained flat/maisonette together with its garages and domestic outbuildings at the address shown in the schedule, used for private residential purposes. HOUSEHOLD: Your family and domestic staff permanently living in the home. INDEX LINKING: The sum insured on buildings will be adjusted monthly by the percentage movement in the House Rebuilding Cost Index prepared by the Society of Chartered Surveyors in Ireland. The sum insured on contents will be adjusted monthly by the percentage movement in the Durable Household Goods Section of Retail Prices, or an alternative index. No charge will be made for the changes in the sum insured which will occur monthly, but the next renewal premium will be calculated on the adjusted sum insured.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 2

Home l Policy Document

INSURED / YOU / YOUR: The person or persons named as policyholder(s) in the schedule. MONEY: Personal money held for private purposes by you or your family including coin and bank notes used as legal tender, postal stamps (not in a collection), postal and money orders, cheques, including travellers cheques, saving and trading stamps, saving certificates and bonds, luncheon vouchers, travel tickets and gift tokens. OUTBUILDINGS: sheds, green houses, summer houses and other buildings (but not caravans, mobile homes or recreational vehicles) which do not form part of the main buildings of the home and are used for domestic purposes PREMISES: The Buildings and the land within the boundaries belonging to them. THE COMPANY / WE / US / OUR: UK General Insurance Ltd on behalf of SureStone Insurance dac. TERRORISM: For the purpose of the General Policy Exclusion an act of terrorism means the use of biological, chemical and/ or nuclear pollution or contamination and/or threat thereof by any person or group of persons whether acting alone or on behalf of or in connection with any organisation(s) or governments(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the public in fear. UNFURNISHED: Without sufficient furniture and furnishings for normal living purposes. UNOCCUPIED: Furnished but has not been permanently lived in by you or your family, or any other person with your permission, for more than a period of 35 consecutive days. The property is deemed to be unoccupied if the residency is limited to frequent visits or occasional staying overnight in the property. Visiting the property and/or occasionally staying in the property will not break the unoccupied period. VALUABLE ITEM(S): Articles of gold, silver and other precious metals, jewellery, clocks, watches, photographic equipment, binoculars, furs, curios, pictures and other works of art, audio and audio visual equipment, computer equipment and collections of stamps, coins and medals all belonging to or the legal responsibility of you or your family. The most we will pay is one third of the total contents sum insured but not more than €4,000 for any one article, set or collection unless specified on your policy.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 3

Home l Policy Document SECTION 1: BUILDINGS & CONTENTS WHAT IS INSURED Loss of or damage by the following causes detailed in paragraphs 1 to 10 to the: • Buildings (if shown on your policy schedule) • Contents (if shown on your policy schedule) while in the home 1. Fire, Smoke, Explosion, Lightning, Earthquake; 2. Storm or Flood or Weight of Snow

3. Subsidence or Heave of the site beneath the Buildings, or landslip;

4. Malicious Damage, Riot, Labour Disturbances and Civil Commotion

WHAT IS NOT INSURED • Unless stated otherwise, the first €350 of each and every loss • Wet or dry rot or any gradually operating cause. • We will not pay for loss or damage caused by smog, agricultural, forestry or industrial operations or any gradually operating cause. • Loss or damage caused: a) by frost, subsidence, heave or landslip; b) to fences, gates, hedges, domestic fixed fuel-oil tanks, swimming pools, tennis courts, driveways, patios and terraces. c) By weight of snow to gutters, garages and outbuildings. d) Loss or damage to contents outside the home • Damage to swimming pools, hard courts, paved terraces, patios, drives, paths, walls, gates and fences unless the home is damaged at the same time and by the same cause. • Damage caused by: a) the normal settlement or bedding down of new structures; b) faulty or inadequate drains or drainage systems; c) the settlement or movement or made-up ground; d) coastal, lake or river erosion; e) defective design or faulty workmanship or the use of defective materials or inadequate construction of foundations. f) Loss or damage arising from escape or overflow of water from drains or drainage systems • Damage to solid floor slabs resulting from their movement, unless the foundations beneath the exterior walls of the home are damaged at the same time and by the same cause. • Damage which originated prior to inception of this policy. • Damage resulting from: i. demolition, construction, structural alteration or repair to the buildings; ii. groundworks or excavation. • Any loss or damage where compensation is provided by contract or legislation. • Any Loss or damage if any part of the buildings suffered previous loss or damage by subsidence, ground heave or landslip unless same has been disclosed to and accepted by us. The first €2,000 of each and every loss. • Loss or damage caused after the buildings have been left unoccupied or unfurnished. • Loss or damage caused by you or your family or any person lawfully in your home. • Loss or damage to boundary walls, fences and gates.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 4

Home l Policy Document

5. Escape of Water from, or freezing of water in, a fixed • water or heating installation or plumbed in domestic appliance; •

6. Impact by animals, aircraft or aerial devices, vehicles, or any article dropped from them. 7. Theft or attempted theft;

8. Leakage of oil from any fixed heating installation;

9. Falling trees or branches;

Loss or damage caused after the buildings have been left unoccupied or unfurnished. Loss or damage arising from escape or overflow of water from drains or drainage systems. • Loss or damage caused by subsidence, heave or landslip. • Loss or damage to swimming pools. • Damage to the installation or appliance from which the water escapes • Loss or damage to tiles, walls, floors and ceilings caused by the gradual leakage or seepage of water from all fixed sanitary ware units including baths and shower units. The first €600 of each and every loss • Loss or damage caused by domesticated pets or animals. • Loss or damage caused by you, your family, your domestic employees, paying guests or tenants. • Loss or damage caused after the buildings have been left unoccupied or unfurnished. • Loss or damage whilst the buildings or any part of them are lent, let, sub-let or occupied by anyone other than you or your family, except where there is forcible and violent entry or exit. • Loss or damage caused by any person lawfully in your home. • Loss to contents in excess of €750 contained within outbuildings or loss to contents in excess of €1,000 contained within a locked outbuildings • Loss or damage caused after the buildings have been left unoccupied or unfurnished. • Loss or damage to the apparatus from which the oil escapes. • For any expenses incurred or levied where you retain experts or contractors (other than for emergency works) without our express written consent. The engagement, or otherwise, of all experts and contractors in relation to remedial repairs will be subject to our approval and we reserve the right to select such experts and contractors from our pre-approved specialist panel. The first €600 of each and every loss • Loss or damage to gates or fences. • The cost of the removal of the tree or branch unless damage has been caused to the buildings by its fall. • Damage caused by felling, lopping, or topping of trees.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 5

Home l Policy Document

10. Accidental Damage (this cover is operative only if shown on the policy schedule)

11. Rent and Alternative Accommodation If the home is rendered not fit to live in as a result of loss or damage by any of the causes 1-10 of section 1 of this policy we will pay up to a maximum of 12 months either the a) rent that you are responsible for paying or would have received until the home is again fit to live in, or; b) reasonable extra accommodation costs, incurred with our written consent, for you, your family and domestic pets until the home is again fit to live in 12. Television or radio aerials, masts or dishes We will pay up to €750 for loss or damage to television or radio aerials, masts or dishes. 13. Fire Brigade Charges We will up to €2,000 for costs you have to pay under the Fire Services Act 1981 in relation to fire brigade attendance at the home which results in a claim under this policy 14. Replacement of locks We will pay up to €500 for the cost of replacing and fitting outside door locks to the home if the keys of such locks are stolen.

• Damage whilst the buildings are left unoccupied or unfurnished. • Damage caused by: i. faulty workmanship, defective design, or the use of defective materials; ii. escape of water from drains or drainage systems; iii. wear and tear, frost, damp, corrosion, atmospheric or climatic conditions or gradually operating cause, rot, rust, fungus, insects and vermin; iv. domestic pets; v. movement, settlement or shrinkage in any part of the buildings; vi. movement of the land belonging to the buildings; vii. demolition or structural alteration or repair. viii. any process of heating, drying, cleaning, decorating , • The cost of repairing or replacing electrical or mechanical equipment following breakdown or misuse. • Contents lost in the home. • Damage to clothing (including furs), hearing aids, contact lenses, money, stamps, mobile phones or similar devices, coins or medals, food or drink. • Cracking, scratching or breakage of china, marble, porcelain, glass or other similar brittle articles • Market depreciation, the cost of maintenance and redecoration. • Any destruction or damage otherwise shown as not insured under causes detailed in paragraphs 1 to 9 of this policy. • We will not pay more than 15% of the total buildings and contents sum insured. • We will not pay for the cost of food and drink. • We will not pay for fuel and utility bills, property taxes, water charges or other charges for which you would have been liable if you were still living in the home. • We will not pay for a standard of accommodation higher than that provided by the home in which you live, • We will not pay for rent or the cost of alternative accommodation for any period longer than is necessary to reinstate the property.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 6

Home l Policy Document BUILDINGS - ADDITIONAL BENEFITS WHAT IS INSURED

WHAT IS NOT INSURED Unless stated otherwise, the first €350 of each and every loss A. Underground Pipes and Cables • Any costs arising from clearance of a blockage not We will pay up to €2,000 for the cost of repair following directly resulting from a breakage of the pipe. manifest accidental damage by external means to cables, • Damage to pitch fibre pipes as a result of pressure underground pipes or underground tanks all servicing the applied to them by the weight of soil or other covering home and for which you are legally responsible. materials. B. Your Liability to the Public • Liability arising directly or indirectly from: We will pay for damages and claimants’ costs and expenses a) any profession, business or employment which you become legally liable to pay for accidental b) the occupation of the premises a) death of, or bodily injury to or illness or disease of c) any agreement unless you would have been liable any person or had the agreement not been made b) accidental damage to material property • Liability: up to €2,000,000 in connection with i. for death, injury, illness or disease of any a) any one claim or member of your household or any other person b) series of claims permanently residing with you. made against you arising out of any one event occurring ii. for death, injury, illness or disease to a person during the period of insurance and incurred solely as owner under a contract of service or apprenticeship with (not as occupier) of the home or the land belonging to the you or a member of your family, home iii. for loss or damage to property owned, occupied or in the custody or control of any member of your household or any other person permanently residing with you iv. arising more than seven years after the expiry or cancellation of section 1 of this policy if you are insured under a more recently effected or current policy. C. Emergency Access We will pay up to €750 for damage to the buildings caused solely by the actions of the emergency services gaining access to the home in emergency circumstances D. Trace and Access • Loss or damage caused after the buildings have been We will pay up to €750 for the reasonable costs incurred left unoccupied or unfurnished. with our consent in locating the source of any damage • Loss or damage to the heating or water system from resulting from the escape of water from fixed domestic which the water escaped. water services or heating installations including the cost of subsequent repairs to walls, floors or ceilings. E. Fees and other Expenses necessarily Incurred Costs of complying with any government or local authority We will pay the reasonable costs necessarily incurred by you requirements you were notified of before the loss or damage with our written consent as a result of loss or damage by any occurred. of the causes detailed in paragraphs 1 to 10 of this policy for: a) architects, surveyors, legal and other fees; b) the cost of clearing the site and making the buildings safe; c) the additional cost of rebuilding or repair of the damaged part of the buildings solely to comply with any government or local authority requirements. The cost of preparing and negotiating the claim provided that such costs are vouched and do not exceed the sum of €600.00 in respect of each loss. Any experts retained as Insurance Intermediaries to assist in the preparation and negotiation of your claim must be regulated to perform this function by the Central Bank of Ireland

Blue Insurance Limited is regulated by the Central Bank of Ireland. 7

Home l Policy Document CONTENTS - ADDITIONAL BENEFITS WHAT IS INSURED

WHAT IS NOT INSURED • Unless stated otherwise, the first €350 of each and every loss A. Temporary Removal Of Contents • Loss or damage in a furniture depository. We will pay for contents lost or destroyed by any of the • Loss or damage otherwise shown as not insured under causes detailed in paragraph 1 to 9 of this policy whilst causes detailed in paragraph 1 to 9 of this policy temporarily removed from the home but remaining in • Loss or damage caused by storm or flood to property not in the Republic of Ireland, Great Britain, Northern Ireland, a building. the Isle of Man or the Channel Islands, • Loss or damage by theft unless force and violence is used to a) up to €1,000 in respect of contents whilst in gain entry to or exit from: student accommodation or otherwise a) a building or b) up to 10% of the Limit of Indemnity for contents b) in the case of student accommodation, a locked room. shown in the schedule. B. Fatal Accident We will pay €5,000 if you die as a direct result of an accident in the home caused by either fire or assault by an intruder in the home C. Personal Money • Loss of money from the home while any part of the home is We pay up to €500 for accidental loss of or accidental let or sub-let, unless entry to or exit from the home is made damage to money belonging to you or a member of using violence or force. your family, anywhere in the world. • Stealing of money from an unattended road vehicle unless from a locked boot or concealed compartment and entry or exit is made using violence or force. D. Credit Cards • Liability following a breach of the terms and conditions of Financial loss arising from the unauthorised use use. following loss or theft of credit cards belonging to you or • Unauthorised use by a member of your family or your a member of your family. domestic employees. The most we will pay is €1,250 E. Title Deeds • Loss or damage otherwise shown as not insured under We will pay up to €600 for the cost of preparing new causes detailed in paragraph 1 to 9 of this policy title deeds to the premises if they are lost or damaged by any cause detailed in paragraphs 1 to 9 of this policy while in the home or while kept in your bank. F. Deep Freezer & Refrigerator Contents • The first €125 of each and every loss. We will pay up to €500 for food in a domestic deep • Loss due to the deliberate act of the supply authority. freezer in the home made unfit for human consumption • Loss if the freezer is more than 8 years old at the date of the by a change in temperature within the freezer cabinet loss. or contamination by refrigerant or refrigerant fumes. G. Tenants Liability • Loss or damage caused after the buildings have been left (applicable if the buildings are rented) unoccupied or unfurnished. Any amount which you become legally liable to pay as • Malicious Damage, theft or attempted theft, caused by you, a tenant, and not as an owner of the buildings up to your family or any other person lawfully in your home. 20% of the Limit of Indemnity for contents shown in the • Loss or damage otherwise shown as not insured under schedule in respect of damage to the buildings by any causes detailed in paragraphs 1 to 9 of this policy of the causes detailed in paragraphs 1 to 9 of this policy H. Loss of Oil and Metered Water • Loss or damage otherwise shown as not insured under We will pay up to €800 for: causes detailed in paragraphs 1 to 10 of this policy. i. the cost of oil lost from the domestic heating • Loss if the buildings have been left unoccupied or installation following Accidental Damage to unfurnished. any part of the domestic heating installation. (In addition we pay up to €2,000 for the costs of cleaning up spilled oil); ii. additional metered water charges incurred by you and resulting from accidental damage to the water system in the home

Blue Insurance Limited is regulated by the Central Bank of Ireland. 8

Home l Policy Document

I. Public and Personal Liability • Liability arising directly or indirectly from: We will pay for damages and claimants’ costs and a) any profession, business or employment expenses which you or any member of your family b) the ownership of any land or building become legally liable to pay for accidental c) any agreement unless you or a member of your a) death of, or bodily injury to or illness or disease household have been liable had the agreement not been of any person or made b) accidental damage to material property d) the transmission of any communicable disease or virus c) up to €2,000,000 in connection with by you or any member of your household d) any one claim or e) racing, hunting or playing polo e) series of claims f) wilful, malicious or criminal acts. made against you or a member of your family arising • Liability arising directly or indirectly from the ownership or out of any one event, occurring during the period of use of: insurance and incurred i. lift, caravan, aircraft, sailboards or watercraft including i. solely as occupiers, (but not owners) of the jetskis (other than the hand propelled watercraft) home or the land belonging to the home; or ii. mechanically propelled or assisted vehicle (other than ii. in a personal capacity, (not as occupier or domestic gardening machinery), electric or motorised owner of any building or land) occurring in The wheelchairs, trailer caravan or vehicle trailers whether Republic of Ireland, Great Britain, Northern attached or not attached to a vehicle which arises Ireland, the Isle of Man, or the Channel in situations where compulsory insurance must Islands and elsewhere in the world during a be arranged under the Road Traffic Act 1961 or any temporary visit. subsequent amending legislation to this We will also pay legal costs and expenses incurred with iii. animals except domestic pets other than those listed in our written consent in the defence of any claim made the Dangerous Dogs Act against you or your family. iv. horses unless ownership, possession, use or control is in accordance with Local Authority Bye-laws as made under the Control of Horse Act 1996 and subsequent amendments v. (firearms, other than properly licensed shotguns • Liability for death, bodily injury to any member of your family or any other person permanently residing with you. • Liability for loss of damage to property owned by, or in the custody or control of any member of your family or any person permanently residing with you. J. Accidents to Domestic Employees • Liability for: Any amounts which you or a member of your Family a) liability for death of, bodily injury to, or illness or disease become legally liable to pay as damages for death of, of any member of your family or any other person bodily injury to, or illness or disease to your domestic residing with you employees directly employed by you or a member of b) liability for death of, bodily injury to, or illness or your family in connection with your premises or any disease to any person employed by you or a member temporary residence within the Republic of Ireland. of your family for which compulsory motor insurance or The most we will pay for any one claim or number security is required under the Road Traffic Act 1961 or any of claims arising from one cause is €2,000,000. (This subsequent amending legislation to this Act. includes all costs agreed by us in writing). K. Contents in the Open • Any loss, damage or amount shown as not insured under We will pay up to €500 for contents while in the open causes detailed in paragraph 1 and paragraphs 3 to 9 of this within the boundaries of the land belonging to the section home for loss or damage caused by events detailed in • Plants and trees. paragraph 1 and paragraphs 3 to 9 of section 1 of this policy.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 9

Home l Policy Document BASIS OF CLAIMS SETTLEMENT a) We will indemnify you by payment or, at our option, by reinstatement, replacement or repair, for loss or damage by an of the Insured causes listed in paragraphs 1 to 10 subject to the conditions and exclusions set out in this policy, with a deduction for wear and tear made only in respect of clothing, footwear, floor coverings, household linen and Pedal Cycles b) We will pay up to the sum insured for buildings shown in the schedule (plus any index linking adjustment applicable) for the cost of rebuilding, repairing or replacing the damaged parts of the buildings, inclusive of any amount which may become payable under ‘Additional Benefits Building’ section of this policy. c) If the buildings are not rebuilt or repaired we will pay at our option the difference between the market value of the Buildings prior to the loss or damage and the market value of the buildings following the loss or damage. d) If the buildings have not been maintained in a good state of repair, a deduction will be made for wear and tear. e) If at the time of any loss or damage the sum insured is less than the cost of rebuilding, we will reduce the claim payment by the same percentage the property is under insured by. (Average Clause – see below) f) If you received a premium reduction as a result of an unintentionally misrepresentation, we may reduce the amount we pay in respect of any loss for buildings & contents in proportion to the premium discount you received. g) The maximum amount that we will pay in respect of any one loss for contents is the Limit of Indemnity stated in the schedule h) If at the time of any loss or damage the total cost of replacing all of the contents as new, less an allowance for wear and tear for clothing, footwear, floor coverings, household linen and pedal cycles, is greater than the Limit of Indemnity for contents shown in the schedule, we will pay only that proportion of the loss which the Limit of Indemnity bears to the replacement cost. (Average Clause – see below) i) The maximum amount we will pay in respect of any one loss for valuable Items is 33% of the Limit of Indemnity for contents shown in the schedule. j) The maximum amount we will pay for any valuable Item is €4,000, unless specifically insured k) We will not pay for the cost of replacing any undamaged items forming part of a set or suite or other article of a uniform nature, design or colour when damage occurs to a specific part or within a clearly definable area and replacements cannot be matched. l) In the event of loss or damage to any one article or pair or set of articles where the value exceeds €2,500 it will be necessary for a valuation (if not already provided) or recent evidence of value or proof of purchase, to be produced before any payment can be considered m) You must keep your receipts for any repair/reinstatement work as you will need to validate these costs. The balance of the cost, known as a ‘retention amount’, will be paid to you on receipt of the relevant documentation that validates the costs incurred by you for the repair/reinstatement work (e.g. VAT invoices.) AUTOMATIC REINSTATEMENT We will not automatically reduce the sum insured by the cost of any claim provided that the repair or reinstatement has been completed and any recommendations to prevent further damage have been carried out. UNDERINSURANCE (AVERAGE CLAUSE) If the sum insured at the time of the insured loss or damage is less than the cost of rebuilding or replacing as new all the buildings & contents covered then you shall be considered as being your own insurer for the difference and we will pay only that proportion of the loss or damage which the sum insured bears to such cost. If it is necessary to make a deduction for wear and tear then the cost of rebuilding or replacing as new less the allowance for wear and tear will be compared with Your actual sum insured. You will only be paid that proportion of the loss or damage which your sum insured bears to this cost of rebuilding or replacing.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 10

Home l Policy Document SECTION 2: ALL RISKS COVER The following insurance applies ONLY when an all risks sum insured is shown in the schedule WHAT IS INSURED WHAT IS NOT INSURED Loss of or damage to the • Loss or damage due to any gradually operating cause. Contents by the following causes: • We will not cover the following, either as a specified item or an unspecified item; We will cover you by payment or, • loss of or damage to money of any kind at our option, by reinstatement, • loss of or damage to camping equipment replacement or repair, for loss or • loss of or damage to documents of any kind damage caused to • loss of or damage to any item used for business, trade or professional purposes 1. any item specified in the • loss of or damage to household goods schedule up to the sum • loss of or damage to pottery, porcelain, terracotta, glass or other fragile or brittle insured shown against that items other than by fire and theft item. • theft of any bicycle (or of its tyres, accessories or fittings) left both unlocked and 2. other items up to the unattended away from the home unspecified items sum • loss of or damage to any bicycle while being used for racing or while used for insured shown in the hire or reward schedule in respect of any • loss of or damage to tyres, accessories or fittings of any bicycle unless the bicycle one claim subject the limit of is damaged at the same time €1,000 in respect of any one • theft or attempted theft of an item from any unattended vehicle unspecified item. a) unless all windows, including sunroof, and doors are securely locked b) unless, in the case of a convertible vehicle, the roof is securely locked Geographical Limits c) unless the property is completely concealed within a closed compartment or The cover provided by this section locked boot applies to insured property in the Republic of Ireland, Northern • loss of or damage to sports equipment while in use Ireland, Great Britain, the • loss of or damage to golf clubs or sets left unattended in or outside any golf club Channel Islands and the Isle • damage to guns where the damage is caused by bursting or rusting of Man and for not more than • loss of or damage to musical instruments used or held for business or professional 60 days in any one Period of purposes Insurance while elsewhere in the • damage to reeds, strings or skins of musical instruments world. • damage caused by animals owned or in the care, custody or control of you or members of your Household Unless the following are specified items on the schedule and subject to the above exclusions we will not cover; • loss of or damage to all sports equipment including those used for water sports or for winter sports • loss of or damage to hearing aids, contact lenses or dentures • loss of or damage to any bicycle • loss of or damage to guns • loss of or damage to musical instrument • loss of or damage to mobile phones including accessories • loss of or damage to personal computers, laptops or other computer equipment including accessories • loss of or damage to personal electronic entertainment devices such as Sony PlayStation, Microsoft X-Box, Sony PSP, Nintendo Wii, Nintendo DS or i-Pod devices or Blu-Ray, MP3 or DVD players or other similar devices including accessories The first €100 in respect of each loss for unspecified items The first €50 in respect of each loss for specified items stated in the schedule.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 11

Home l Policy Document SECTION 2: ALL RISKS COVER BASIS OF CLAIMS SETTLEMENT We will pay the full cost of replacement as new or repair of the article lost or damaged less an amount for wear and tear in respect of clothing and furs or at our option we will replace the article or arrange for its repair. If you do not replace the article which is lost or damaged beyond economical repair we will pay the resale market value only. If you received a premium reduction as a result of an unintentional misrepresentation, we may reduce the amount we pay in respect of any loss in proportion to the premium discount you received.

POLICY CONDITIONS 1. Compliance with conditions These conditions apply to all sections of the policy and to all extensions. You and all members of your family permanently residing with you must comply with the terms and conditions of this policy. Any person or entity seeking the benefit of this policy shall be deemed to have notice of its terms, conditions (including exclusions) and shall have complied and shall continue to comply with them so far as they may reasonably be capable of applying to and being complied with by such person or entity 2. Your duty to prevent loss or damage You and any person seeking the benefit of this policy must take all reasonable steps to protect the property and prevent accidents, injury, illness, loss or damage and to maintain the property in sound condition and good repair. 3. Your personal representatives If you die, we will insure your legal personal representatives for any liability you had previously incurred under the policy, provided they fulfill the terms of the policy. 4. Change in circumstances You must inform us of any change in circumstances which increases the risk of loss, injury or damage. In particular you must notify us if your home becomes unoccupied and if you change your address. We must also be advised if at any time the value of the buildings or contents exceeds the Limit of Indemnity shown in your schedule. 5. Cancellation We may cancel this policy by giving you 14 days notice by letter at your last known address. If we cancel the policy we will refund premium paid for the unexpired period of insurance. Notice given to you shall be deemed to be notice given to any person or entity who is or maybe seeking to claim any contractual right to any benefit under this policy. You can cancel your policy at any time by writing to us. We will cancel the policy on the date we receive your request in writing. Provided that no incident giving rise to a claim has occurred in the current period of insurance, you will be entitled to a proportionate return of the premium for the unexpired period of insurance. If you cancel during the first year of insurance (outside the Cooling-off period) an administration of €50 will apply. 6. Cooling off period If you decided not to proceed with this policy, please return it within 14 days of receipt. Providing you or your family have not made a claim and as long as no incidents have arisen that could result in a claim under the policy, We will refund any premium you have paid. 7. Fraud If a claim is fraudulent in any respect (including exaggerating the claim, submitting forged or falsified documents) all benefit under this policy will be forfeited. 8. Arbitration If there is a dispute arising out of this policy, the dispute will be referred to an arbitrator. The arbitrator will be appointed jointly by you and us in accordance with the law at the time. Claims not referred to arbitration within 12 calendar months from the date of disclaimer of liability shall be deemed to have been abandoned. 9. Other Insurances If at the time of any loss, damage or liability arising under the policy there is any other insurance covering the same loss, damage or liability we will pay only our rateable proportion. 10. Notification of a Claim When you become aware of a possible claim under this policy, you must notify us within 30 days. An Garda must be advised immediately of any loss or damage arising from theft, attempted theft, vandalism, riot, malicious act, labour or political disturbance or accidental loss of property. You must, at your own expense, provide us with all the details and evidence, including written estimates and proof of ownership or value. Any letter of notification or any writ, summons or other legal document served on you or your family in connection with a possible claim must be sent to us immediately. You must not answer any correspondence or admit, deny or negotiate any claim without our written consent.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 12

Home l Policy Document 11. Company’s rights after claim We have the right to the salvage of any insured property. You may not, without our consent, abandon any property to us. We are entitled to take the benefit of your rights against another person before or after we have paid a claim, we are entitled to take over the defence or Settlement of a claim against you by another person. We will pay any reasonable costs and expenses involved. 12. Payment of Premium Where payment of premium is not made any cover provided by this policy will be inoperative from the date such premium was due. Where the Insured has agreed under a separate credit agreement to pay the premium by instalments, any default in payment on the due date will automatically terminate the policy cover immediately from the date of such default. Where the policy is cancelled mid-term and a claim has occurred and been paid by us during the period insurance in which the policy is to be cancelled, refund of premiums will be made at our discretion. 13. Policy Excess Where any single event results in a claim under more than one section of the policy, the highest excess only will apply. 14. Governing law You and we may choose the law applicable to this contract. It is hereby agreed that this contract is governed by Irish Law unless we agree with you otherwise in writing. The Irish Courts will have jurisdiction to hear any dispute other than any dispute which must be referred to arbitration under the arbitration clause of this policy. 15. Finance Act 1990 (or future amendments thereto) The appropriate stamp duty has been or shall be paid in accordance with the provisions of Section 5 of the Stamp Duties Consolidation Act 1999. 16. Insurance Act All monies which become payable by us under this policy shall in accordance with Section 93 of the Insurance Act 1936 be payable and paid in the Republic of Ireland. 17. Premium Alterations If an alteration to the policy results in an additional premium due to the insurer or a refund due to the Insured. We will only charge or refund such premium if the amount involved is greater than €10 18. No Claim Bonus If you have not made a claim or no claim arises under this policy during a period of insurance we will reduce the renewal premium in accordance with our no claim discount scale. If you make a claim under this policy we will decrease the no claim discount to zero and some claims may result in a premium loading at your next renewal.

GENERAL POLICY EXCLUSIONS WHAT IS NOT INSURED BY THIS POLICY 1. Loss or destruction of, or damage to any property or any direct or indirect loss, or any legal liability directly or indirectly caused by or contributed to or arising from ionising radiations or contamination by radioactivity from any nuclear fuel, or from any nuclear waste from the combustion of nuclear fuel, the radioactive, toxic, explosive, or other hazardous properties of any explosive nuclear assembly or nuclear component of such assembly war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power; This exclusion does not apply to Accidents to Domestic Employees. 2. Pressure waves from aircraft and other aerial devices travelling at sonic or supersonic speeds. 3. Any loss suffered by you or your family due to any person obtaining property by deception. 4. Any loss or damage to the property resulting from theft, attempted theft or malicious acts by you or any member of your family. 5. Loss or destruction of, or damage to, any property, or death of or bodily injury to any person, directly or indirectly caused by pollution or contamination, unless the pollution or contamination is directly caused by a sudden, identifiable, unintended and unexpected incident which occurs in its entirety at a specific time and place during the period of insurance. All pollution or contamination which arises out of one incident shall be deemed to have occurred at the time such incident takes place. 6. Direct or indirect loss, damage, derangement or malfunction of any insured item as a result of a failure of that item of any part thereof to correctly recognise the date changes or Computer viruses 7. Loss, damage or destruction or any cost or expense of whatsoever nature arising directly or indirectly from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss, or any action taken in controlling preventing, suppressing or in any way relating to any act of terrorism. This exclusion does not apply to Accidents to Domestic Employees. 8. Any loss or damage caused by wear and tear, gradual deterioration, depreciation, cleaning, decorating, restoring, reproofing, light, atmosphere, parasites, vermin, insects, moths, mould, fungus or any other gradually operating cause 9. Any loss or reduction in market value resulting from the repair or replacement of lost or damaged property, or any consequential (indirect) loss of any kind.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 13

Home l Policy Document MAKING A CLAIM WHAT YOU SHOULD DO First, check your insurance policy to see if the incident that has occurred is covered by your policy. If it is, then please dial 01 261 1488. We will take details of your claim and arrange for an approved Loss Adjustor to call out to your home and deal with the damage that has occurred. We will also find out what items have been damaged or stolen and take steps to organise replacements for some of them from our approved suppliers. CLAIMS NOTIFICATION PERIOD Please note that all claims must be notified to Blue Insurance Home Cover Claims within 30 days of their occurrence. Please refer to the Policy Conditions section of this document and familiarise yourself with your obligations as failure to comply could result in your claim being refused.

COMPLAINTS It is the intention to give you the best possible service but if you do have any questions or concerns about this insurance or the handling of a claim you should follow the Complaints Procedure below: Complaints regarding: SALE OF THE POLICY Please contact your agent who arranged the Insurance on your behalf. If your complaint about the sale of your policy cannot be resolved by the end of the next working day, your agent will pass it to: Customer Relations Department, UK General Insurance Limited, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ. Tel: 0044 345 218 2685 Email: [email protected] CLAIMS OSG Vericlaim, Merrion Hall, Strand Road, Sandymount, Dublin 4, Ireland. In all correspondence please state that your insurance is provided by UK General Insurance Limited and quote scheme reference 05918A. If your complaint about your claim cannot be resolved by the end of the next working day, OSG Vericlaim will pass it to: Customer Relations Department, UK General Insurance Limited, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ. Tel: 0044 345 218 2685 Email: [email protected]: If your complaint is not resolved to your satisfaction and you remain dissatisfied with our final response to your complaint you can 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, or Email: [email protected] Website: www.financialombudsman.ie and/or Insurance Information Service, Insurance Ireland, 39 Molesworth Street, Dublin 2. Tel: +353 1 6761914, Fax: +353 1 6761943, or email: [email protected] Website: www.iif.ie COMPENSATION Please note that in the event of SureStone Insurance dac being unable to pay a claim, you may be entitled to compensation from the Insurance Compensation Fund in Ireland.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 14

Home Emergency Assistance l Policy

HOME EMERGENCY ASSISTANCE TERMS AND CONDITIONS THIS IS AN IMPORTANT DOCUMENT - PLEASE KEEP IT IN A SAFE PLACE If you experience an emergency at home please telephone 1890 818 767 or if you are calling from outside of Ireland telephone 00 353 91 560 633. This section outlines the details of your Home Emergency Assistance cover. This section provides you with cover if you experience an Emergency within your home and is available to you 24 Hours a day, 365 Days a Year. This section is a Home Emergency Assistance cover and not a household buildings/contents policy. This is not a replacement for a Home Insurance Policy and is not a maintenance contract for the domestic dwelling nor shall it replace your normal Insurance Contract in the event of a catastrophe. Please read this document carefully. It sets out the terms and conditions of your home emergency assistance cover with Mapfre Assistance Agency Ireland your Insurer and service provider. Mapfre Assistance Agency Ireland’s contract with you is fulfilled when you continue the policy at the end of the cooling off period . See the ‘Cooling off periods’ section D in the ‘General Conditions of for more details on your cancellation rights.

YOUR POLICY WITH MAPFRE ASSISTANCE AGENCY IRELAND This section explains the terms and conditions of the cover that the Insurer will provide during the period of insurance. It also sets out all the conditions, limits of liability and exclusions that apply to your cover. Your Home Emergency Insurance policy is underwritten by MAPFRE ASISTENCIA COMPANIA INTERNACIONAL DE SEGUROS Y REASEGUROS, S.A trading as MAPFRE ASSISTANCE AGENCY IRELAND. having its registered office at Ireland Assist House, 2226 Prospect Hill, Galway, Ireland. MAPFRE ASSISTANCE Agency is regulated by the Central Bank of Ireland. Details of your insurance cover will be held by Mapfre Assistance Agency Ireland for the purposes of underwriting, claims handling and fraud prevention subject to the provision of the Data Protection Acts. All claims management and administration of this Home Emergency Assistance policy is provided by Mapfre Assistance Agency Ireland. While carrying out these activities, Mapfre Assistance Agency Ireland must comply with Irish law and regulation. Please see (B9) the ‘Governing law’

Blue Insurance Limited is regulated by the Central Bank of Ireland. 15

Home Emergency Assistance l Policy DEFINITIONS Unless the context otherwise provides, where the following words are shown in this section they shall have the following meanings: APPROVED CONTRACTOR: A tradesperson authorised in advance by us to carry out repairs. CALL OUT CHARGES: The Approved Contractor labour charges and repair materials up to the limits of cover as shown in your Home Emergency Assistance membership certificate. CERTIFICATE OF INSURANCE: The certificate issued by us to you confirming your cover under this policy. CLAIM: Any claim you make under this Policy. COVER: The benefits available to you under this Policy. EMERGENCY: An Emergency is defined as an unforeseen or sudden occurrence which results in damage to your domestic household demanding immediate action to: (a) render the household safe.(b) and/or secure the building against further loss or damage. EMERGENCY REPAIR: Work undertaken by an Approved Contractor to resolve the Emergency by completing a Temporary Repair. INSURER / THE INSURER: MAPFRE ASISTENCIA COMPANIA INTERNACIONAL DE SEGUROS Y REASEGUROS, S.A trading as MAPFRE ASSISTANCE AGENCY IRELAND. (Company Registration Number 903874) having its registered office at Ireland Assist House, 22-26 Prospect Hill, Galway. LIMITS OF COVER: The limits of cover payable towards the cost of the Approved Contractor in the event of an Emergency. PERIOD OF INSURANCE: The period of insurance specified in the Home Assistance Policy to which the Home Emergency Assistance Membership Certificate attaches, and for which a Home Assistance benefits premium has been paid. POLICY: These terms and conditions, the certificate of insurance, and any changes we may agree with you to such documents from time to time. PROPERTY / HOME: Your principal permanent place of residence, comprising private dwelling, garage and outbuildings used for domestic purposes in the Republic of Ireland. The property must not be used for commercial purposes of any nature including the letting of the property. You must be the legal owner of the property. ROOFING: The roof of the Property which is solely your responsibility. START DATE: The start date of cover shown in your home emergency certificate of insurance. TEMPORARY REPAIR: A repair that will resolve an Emergency but will need to be replaced by a permanent repair. TERRITORIAL LIMITS: Republic of Ireland. WE / US / OUR: MAPFRE ASSISTANCE AGENCY IRELAND. YOU / YOUR / THE INSURED: The person or people whose names appear on the Home Assistance certificate of insurance or who normally live at the property.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 16

Home Emergency Assistance l Policy COVER The Company undertake to provide an Emergency Repair Service to secure the household and prevent further damage or loss occurring. It does not undertake to carry out full repairs. All repair works are subject to the limitations of cover and to the aforementioned definitions, conditions and exclusions as described herein. We will arrange and pay for Emergency Repairs of up to a maximum of €200.00 + VAT per claim (€250.00 + VAT for Glazing) including; parts, labour and materials to carry out an Emergency Temporary Repair. In the event that the cost of Emergency Repair exceeds the maximum allowable, the difference will be borne by You. There is also a maximum of 3 claims per policy in any one year.

A: YOUR BENEFITS 1. We will provide a 24 hour helpline for you to report your Emergency. 2. We will arrange an Approved Contractor to come to your Home and carry out Emergency Repairs that are immediately necessary to: i. Protect You against risk to Your health; ii. Prevent a risk of loss or damage to the Property; iii. Make Your Property safe and habitable. 3. We will provide assistance for Emergencies relating to: a) Plumbing and Drainage – the sudden or unexpected failure of, or damage to, the plumbing and drainage system which will result in internal water damage to your Property. This includes leaking pipes, blocked drains, water tanks, blockages in toilet waste pipes or leaking radiators. b) Electrical supply – the sudden, unexpected failure or breakdown of the electricity supply (or one phase thereof) within your property. c) Security and glazing – the sudden or unexpected failure of, or damage caused to external locks, doors or windows only which has rendered your property insecure. d) Roof – damage to the roof of Your Home caused by storm or fallen trees and branches. 4. In the event of an Emergency, we will carry out an Emergency Repair. We will not cover any other repair work, including any work required to restore your property to its original condition prior to the Emergency.

B: CONDITIONS, EXCLUSIONS AND LIMITS B1: CONDITIONS Your cover under this policy depends on the following conditions: 1. You are responsible for informing us of any change in the information you have supplied to us. If you fail to do so, you may invalidate the policy; 2. No costs for repairs are payable under this policy, unless we have been notified by You or a person calling on Your behalf through the 24 hour service telephone number 1890 818767 and we have authorised the deployment of an Approved Contractor in advance; 3. You must take reasonable precautions to protect and maintain Your Property and the services within it. This policy does not cover normal day to day maintenance at Your Property or cover replacement of items as a result of wear and tear; 4. You must provide all the documents We ask for, including identification to Our nominated agents and original receipts (not copies) for any expenses claimed under this policy; 5. You must co-operate with Us in obtaining reimbursement of any costs we incur under the terms of this policy, which may have been caused by the action of a third party against whom You have a legal right of action; 6. We will be entitled to decide on the most appropriate way to provide you with help, although we will take account of your wishes wherever possible. 7. The benefits available under this Section are not transferable. 8. The language used in this and all other documents relating to this policy is English. All future communications both verbal and written will be in English. 9. No claims will be paid for any event occurring before or within 72 hours of inception of the policy

Blue Insurance Limited is regulated by the Central Bank of Ireland. 17

Home Emergency Assistance l Policy B2: LIMITS OF COVER We will arrange and pay for Emergency assistance of up to €200.00 + VAT per claim (€250.00 +VAT for Glazing) including; parts, labour and materials to carry out an emergency repair. In the event that the cost of Emergency Repair exceeds the maximum allowable, the difference will be borne by the client. A maximum of 3 claims per policy in any one year. B3: EXCLUSIONS 1. This policy is not a household buildings or contents policy or an equipment maintenance contract. Therefore, the following are excluded from the policy: a) any leaking or dripping tap that requires re-washering or replacing; b) external overflows or replacement of cylinders, tanks, radiators and sanitary ware; c) burst or leaking flexible hoses or leaking washing appliances that are fitted with a stop tap; d) external water supplies; e) replacement of light bulbs and fuses in plugs; f) loss of keys for outbuildings, garages and sheds; g) breakdown or loss of or damage to domestic appliances or saniflow toilets and other mechanical equipment; h) damage to boundary walls, hedges, fences or gates; i) water supply pipes that you are not responsible for; j) of air conditioning installations, electrical showers, water filtration units, Jacuzzis, drains and septic tanks outside of the domestic property 2. Expenses not supported by valid original receipt. B4: LIMITATION OF LIABILITY Every effort will be made to provide you with the Emergency assistance described in these terms and conditions. However, there may be times when it is not possible to arrange assistance due to circumstances beyond our control, for which we cannot be held liable. We will not be liable for any of the following: a) Loss or damage arising from circumstances known to You prior to the start date of this policy. b) The cost of replacement parts due to natural wear and tear. c) Loss or damage however caused to the contents of the Property or personal items such as paintings, electrical goods,jewellery, clothing etc. d) Loss or damage arising from disconnection or interruption of mains services by the deliberate act of the utility company concerned or any equipment or services which are the responsibility or property of the utility company. e) The cost of any work, which was carried out without Our approval, including any cost relating to the attempted repair by You or Your own contractor. f) Any defect, damage or failure caused by malicious or wilful action, negligence, misuse, third party interference or faulty workmanship, including any attempted repair or modification which does not comply with recognised industry standards. g) Any Emergency in a Property that has been unoccupied for more than 30 consecutive days. h) Any loss arising from subsidence caused by bedding down of new structures, demolition or structural repairs or alterations to the property, faulty workmanship or the use of defective material or river or coastal erosion. i) Any loss or damage or legal liability arising as a consequence of: • War, invasion, act of foreign enemies, terrorism, hostilities (whether war is declared or not), civil war, rebellion, revolution,insurrection, coup, riot or civil disturbance. • Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or its nuclear component. j) Any loss, injury, damage or legal liability arising directly or indirectly from, or consisting of the failure or inability of any equipment to correctly recognise or interpret data representing any date, in such a way that it does not work properly at all. k) The cost of repair to swimming pools and any decorative features such as hot tubs, fountains or ponds, and all associated plumbing and filtration systems. l) Any repair or replacement of flexible cable. m) Callout charges where there is no emergency or where no fault is found, charges shall be borne by the customer. n) Any claims arising within the first 72 hours of inception of the policy.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 18

Home Emergency Assistance l Policy B5: LENGTH OF POLICY 1. This policy provides cover that begins on the start date shown on your home emergency assistance certificate. 2. The minimum period for which you may hold this policy is 12 months. B6: OTHER INSURANCE If you have any other insurance or maintenance contract which covers any of the benefits set out in this policy, You must tell Us about this when you make a claim. We will not pay more than Our share of any claim covered by other insurance. B7: DISHONEST CLAIMS If you make a claim which is in any way dishonest, the policy shall become void. If we pay any benefit and later discover that your claim was dishonest, we will take steps to get the money back. B8: SETTING ASIDE TERMS & CONDITIONS If we choose to set aside an exclusion, term or condition of this policy, this will not prevent us from relying on that exclusion, term or condition in the future. B9: GOVERNING LAW The parties are free to choose the law applicable to the contract. We propose that the Laws of the Republic of Ireland will apply to this contract.

C: CLAIMS C1: MAKING A CLAIM Before requesting assistance and making a claim, please check that the circumstances are covered by this policy. If You experience an Emergency at Your Property please telephone the emergency helpline number quoting the following: • • • • •

property address your home telephone number your policy number a description of the problem a telephone number where you can be contacted.

We will then aim to arrange a suitable Approved Contractor to visit the property and for the Approved Contractor, to make an Emergency Repair. You should contact your supply company and/or the public emergency services if you have a major Emergency that puts someone in danger, which could result in personal injury or in serious damage to property. C2: DISPUTED CLAIMS If you are unhappy with a decision We have made You have the right to appeal. If you would like to appeal, please write to: Customer Care Department, Mapfre Assistance Agency Ireland, 22-26 Prospect Hill, Galway.

D. GENERAL CONDITIONS D1: COOLING-OFF PERIOD Remember that you have a right to cancel your contracts. If you decide to cancel within 14 days of your start date or renewal date, please call us on 0818 484 484 and we will cancel your contracts immediately. D2: CANCELLATION We will cancel your cover if You have at any time: 1. Given Us false or incomplete information; 2. Agreed to help anyone try to take money from Us dishonestly; or 3. Failed to meet the terms and conditions of this contract or to act openly and honestly towards Us. 4. We have the right to cancel your cover at any time, giving seven days notice in writing to You. 5. We reserve the right to refuse renewal of any individual policy. You can cancel Your agreement at any time by either writing to Us at Mapfre Assistance Agency Ireland., Ireland Assist House, 22-26 Prospect Hill, Galway, Ireland. or telephoning 1890 818 767. In the event of cancellation of the Policy by You, no return of Premium shall be allowed.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 19

Home Emergency Assistance l Policy D3: COMPLAINTS For complaints relating to the service received as a result of a Home Emergency Assistance Claim , You should telephone the Home Emergency Assistance Helpline 1890 818 767 and ask for a Supervisor or write to the Operations Manager, at MAPFRE ASSISTANCE Agency Ireland, 22-26 Prospect Hill, Galway, and quote the nature of your complaint. We undertake to respond to You within five business days of receipt of your letter. If we have not resolved your complaint by then, we will send you an acknowledgement letter and an update of the investigation will be provided every 20 days thereafter. We will endeavour to resolve your complaint within 40 business days. Should You remain dissatisfied You may refer your complaint to: The Financial Services Ombudsman 3rdFloor, Lincoln House, Lincoln Place, Dublin 2. Locall: 1890 882 090 Fax: 01 662 0890 Email: [email protected] Following this procedure does not affect your legal rights. D4: DATA PROTECTION The Information you provide about yourself and about third parties will remain confidential and may be used for the provision and administration of insurance products and related services. Such information may be disclosed in confidence for these purposes to your intermediary, agents or service providers appointed by MAPFRE Assistance Agency Ireland, regulatory bodies, other insurance companies (directly or via a central register) and other MAPFRE Group Companies. This information will be processed and held on our computers and manual records in accordance with the provisions of the Data Protection Acts 1988 and 2003(as amended from time to time). We may also use and share this information to assist in the detection and/or prevention of fraud or for participation in internal or market –level statistical exercises. You have a right at any time to request a copy of your ‘personal data’ within the meaning of the Data Protection Acts which is held by MAPFRE ASSISTANCE Agency Ireland. In order to do so, please send a written request to the Data Protection Officer, MAPFRE ASSISTANCE Agency Ireland, Ireland Assist House, Prospect Hill, Galway together with the payment of the applicable fee of €6.35. We will comply with your request within the prescribed time limits. In order for us to keep your information up to date, please contact your intermediary or MAPFRE ASSISTANCE Agency Ireland directly to have any inaccuracies in your information corrected or if any of your details change. Any telephone calls made in connection with this policy may be monitored or recorded for quality control, staff training & verification purposes and to assist in the prevention of fraudulent claims.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 20

Legal Protection l Policy

FAMILY LEGAL PROTECTION POLICY WORDING IMPORTANT INFORMATION: This is your Family Legal Protection policy – it includes everything you need to know about your cover. We suggest you keep this document in a safe place as you will need to refer to it if you need to make a claim.

ASSISTANCE SERVICE We provide these services 24 hours a day, seven days a week during the period of insurance. All services apply to the Republic of Ireland unless otherwise stated. DOMESTIC HELP: CALL 01 881 8010 We will arrange help or repairs needed if an insured person has a domestic emergency in your home, such as a burst pipe, blocked drain, broken window or building damage. You will be responsible for paying the costs for the help. We will not accept responsibility if the Assistance Service is unavailable for reasons we cannot control.

HELPLINE SERVICES We are available to answer your call 24 hours a day, seven days a week during the period of insurance or as set out below. However, if you call outside of standard office hours, we will take details of your call and arrange for someone to call you back at a time convenient to you. All helplines apply to the Republic of Ireland unless otherwise stated. To help us check and improve our service standards and for training, verification and quality purposes, we record all calls, except those to the counselling service. When phoning, please tell us your policy number or the name of the scheme you are in. Please do not phone us to report a general insurance claim. LEGAL ADVICE SERVICE: CALL 1850 670 747 We will give an insured person confidential legal advice over the phone on any personal legal problem, under the laws of the Republic of Ireland, United Kingdom, Channel Islands and Isle of Man. IDENTITY THEFT SERVICE: CALL 1890 252 922 We will provide an insured person who is resident in the Republic of Ireland with detailed guidance and advice over the phone in relation to or relating to concerns about identity theft. The helpline is open 9am to 5pm, Monday to Friday. We do not provide a call back service for this helpline if you call outside of the operating hours. HEALTH & MEDICAL INFORMATION SERVICE: CALL 1890 254 164 We will give an insured person information over the phone on general health issues, and non-diagnostic advice on medical matters. Advice can be given on allergies, the side-effects of drugs and how to improve overall health. Between the hours of 7pm and 9am we will take a message and one of our health and medical advisors will contact the insured person the next day or at an agreed time. COUNSELLING SERVICE: CALL 1850 670 407 We will provide an insured person with a confidential counselling service over the phone including, where appropriate, onward referral to relevant voluntary or professional services. Any costs arising from the use of these referral services will not be paid by us. We will not accept responsibility if the Helpline Services are unavailable for reasons we cannot control.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 21

Legal Protection l Policy WELCOME TO FAMILY LEGAL PROTECTION Thank you for taking out DAS Family Legal Protection. You are now protected by Europe’s leading legal expenses insurer. To make sure you get the most from your DAS cover, please take time to read this policy which explains the contract between you and us. If you have any questions or would like more information, please contact your insurance adviser.

HOW WE CAN HELP To make a claim under your policy, please write to our Claims Department at the following address: Claims Department, DAS Legal Expenses Insurance Company Limited, Europa House, Harcourt Centre, Harcourt Street, Dublin 2 Once you have sent us the details of your claim and if your dispute needs to be dealt with as a claim under this policy, we will give you a claim reference number. At this point we will not be able to tell you whether you are covered but we will pass the information you have given us to our claims-handling teams and explain what to do next. You can phone us between the times shown under HELPLINE SERVICES on page 3 of the policy on 1850 670 747 if you require advice on any personal legal problem subject to the laws of the Republic of Ireland, United Kingdom, Channel Islands and Isle of Man. As a member of Insurance Ireland, DAS subscribes to the Insurance Ireland Codes of Practice. These codes set down the requirements insurers must meet when dealing with customers. You can see the codes at www.insuranceireland.eu. If you would like to receive a written copy please contact us or Insurance Ireland.

WHEN WE CANNOT HELP Please do not ask for help from a lawyer, accountant or anyone else before we have agreed. If you do, we will not pay the costs involved even if we accept the claim.

PROBLEMS We will always try to give you a quality service. If you think we have let you down, please write to our Operations Manager at: DAS Legal Expenses Insurance Company Limited, Europa House, Harcourt Centre, Harcourt Street, Dublin 2. Or you can phone us during standard office hours on 01 670 7470 or email us at [email protected] Details of our internal complaint-handling procedures are available on request. If you are still not satisfied, you can contact the Insurance Division of the Financial Service’s Ombudsman Bureau, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2. You can also contact them on 1890 882 090. Website: www.financialombudsman.ie. (Using this service does not affect your right to take legal action.) For further information about Statutory Rights, an Insured Person should contact the National Consumer Agency. DAS Ireland is a branch office of DAS Legal Expenses Insurance Company Limited, having its registered office at DAS, House, Quay Side, Temple Back, Bristol, BS1 6NH, registered in England and Wales. Company number 103274. DAS Legal Expenses Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority of the United Kingdom and regulated by the Central Bank of Ireland for conduct of Business rules. The regulatory system which applies in Ireland is different to that which applies in the UK.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 22

Legal Protection l Policy DEFINITIONS WE / US / OUR: DAS Legal Expenses Insurance Company Limited. YOU / YOUR: The person who has taken out this policy. INSURED PERSON: You, and any member of your family who always lives with you. Anyone claiming under this policy must have your agreement to claim. REPRESENTATIVE: The lawyer, accountant or other suitably qualified person whom we appoint to act for an insured person in accordance with the terms of this policy. PERIOD OF INSURANCE: The period for which we have agreed to cover an insured person. DATE OF OCCURRENCE: a) For civil cases, the date of occurrence is the date of the event which leads to a claim. If there is more than one event arising at different times from the same originating cause, the date of occurrence is the date of the first of these events. b) For criminal cases, the date of occurrence is when the insured person began, or is alleged to have begun, to break the law in question. c) For insured incident 7 TAX PROTECTION, the date of occurrence is when the Revenue Commissioners first notify the insured person in writing of their intention to make an enquiry. IDENTITY THEFT: The theft or unauthorised use of an insured person’s personal identification which has resulted in the unlawful use of their identity. REVENUE AUDIT: An examination by the Revenue Commissioners of an insured person’s self assessment return for income tax or capital gains tax. COSTS AND EXPENSES a) Accountant’s costs All reasonable and necessary costs chargeable by the representative. b) Attendance expenses The insured person’s net salary or wages for the time that the insured person is off work. We will pay for each half or whole day that the court, tribunal or the insured person’s employer will not pay for. The amount we will pay is based on the following: • the time the insured person is off work, including the time it takes to travel to and from the court or tribunal. This will be calculated to the nearest half day assuming that a whole day is eight hours; • if the insured person works full time, the salary or wages for each day equals 1/250th of the insured person’s yearly salary or wages; • if the insured person works part time, the salary or wages will be a proportion of the insured person’s weekly salary or wages. If the insured person is self employed, we will pay net salary or wages that the insured person draws from the business to cover their own personal cost-of-living expenses. c) Communication costs Costs of phone calls, faxes or postage incurred by the insured person to communicate with the Gardai, credit agencies, financial-service providers, other creditors or debt-collection agencies and the cost of replacement documents. d) Legal costs All reasonable and necessary costs charged by the representative on a party/party basis. For INSURED INCIDENT 3 BODILY INJURY we will initially pay the application fee required by the injuriesboard.ie (IB). e) Opponents’ costs The costs incurred by opponents in civil cases if an insured person has been ordered to pay them, or pays them with our agreement. TERRITORIAL LIMIT: For INSURED INCIDENTS 1 CONTRACT DISPUTES and 3 BODILY INJURY The European Union, the Isle of Man, the Channel Islands, Albania, Andorra, Bosnia Herzegovina, Croatia, Gibraltar, Iceland, Liechtenstein, Macedonia, Monaco, Montenegro, Norway, San Marino, Serbia, Switzerland and Turkey. For all other insured incidents The Republic of Ireland.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 23

Legal Protection l Policy COVER We agree to provide the insurance in this policy, as long as: a) the premium has been paid; and b) the date of occurrence of the insured incident is during the period of insurance; and c) any legal proceedings will be dealt with by a court, or other body which we agree to, in the territorial limit; and d) for civil claims, it is always more likely than not that an insured person will recover damages (or obtain any other legal remedy which we have agreed to) or make a successful defence.

WHAT WE WILL PAY 1.

a) For all INSURED INCIDENTS under this policy, we will pay legal costs and opponents’ costs; b) for INSURED INCIDENT 3 BODILY INJURY claims, we will pay the application fee required by the injuriesboard.ie (IB); c) for INSURED INCIDENT 7 TAX PROTECTION, we will pay accountants’ costs; d) for INSURED INCIDENT 8 JURY SERVICE AND COURT ATTENDANCE, we will pay attendance expenses; e) for INSURED INCIDENT 2 IDENTITY THEFT, we will pay communication costs. 2. For all insured incidents we will pay costs and expenses to make or defend against an appeal as long as the insured person tells us within the time limits allowed that they want us to appeal. Before we pay the costs and expenses for appeals, we must agree that it is always more likely than not that the appeal will be successful. 3. The most we will pay for all claims resulting from one or more event arising at the same time or from the same originating cause is €65,000.

INSURED INCIDENTS WE WILL COVER 1. CONTRACT DISPUTES We will negotiate for an insured person’s legal rights in a contractual dispute arising from an agreement or an alleged agreement which an insured person has entered into for: a) buying or hiring in goods or services; or b) selling goods; Provided that: i. the insured person has entered into the agreement or alleged agreement during the period of insurance; and ii. the amount in dispute is more than €150. WHAT IS NOT COVERED UNDER CONTRACT DISPUTES A claim relating to: 1. a contract regarding an insured person’s trade, profession, employment or any business venture; 2. construction work on any land, or designing, converting or extending any building where the contract value exceeds €7,500 (including VAT); 3. the settlement payable under an insurance policy (we will negotiate if an insured person’s insurer refuses their claim, but not for a dispute over the amount of the claim); 4. a dispute arising from any loan, mortgage, pension, investment or borrowing; 5. a dispute over the terms of a lease of land or buildings or a licence or tenancy of land or buildings. However, we will cover a dispute with a professional adviser in connection with the drafting of a lease, licence or tenancy agreement.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 24

Legal Protection l Policy 2. IDENTITY THEFT Identity theft support service Following a call to the identity theft helpline service, we will help to restore an insured person’s identity and credit status if they have become a victim of identity theft. We will assign a personal case worker who will provide phone advice to help regain an insured person’s identity. Legal costs Following an insured person’s identity theft: 1. we will pay legal costs to reinstate an insured person’s identity including costs for the signing of statutory declarations or similar documents; 2. we will negotiate for an insured person’s legal rights in a dispute with debt collectors or any party pursuing legal action against an insured person arising from or relating to identity theft; 3. we will pay loan-rejection fees and any re-application administration fee for a loan when an insured person’s original application has been rejected. Provided that; i. the insured person files a Garda report and notifies banks and building societies as soon as possible; and ii. the insured person tells us if they have previously suffered identity theft; and iii. the insured person takes all reasonable action to prevent continued unauthorised use of their identity. WHAT IS NOT COVERED UNDER IDENTITY THEFT 1. Fraud committed by another insured person under this policy. 2. Losses arising from an insured person’s business activities.

3. BODILY INJURY We will negotiate for an insured person’s legal rights in a claim against a party who causes the death of, or bodily injury to, an insured person. This includes helping an insured person to register their claim with the injuriesboard.ie (IB). WHAT IS NOT COVERED UNDER BODILY INJURY 1. Illness or bodily injury, which happens gradually or is not caused by a specific or sudden accident. 2. Psychological injury or mental illness unless the condition follows a specific or sudden accident that has caused physical bodily injury to the insured person. 3. Clinical negligence. 4. Defending an insured person’s legal rights, but defending a counter-claim is covered. 5. The cost of obtaining a medical report when registering a claim with the IB.

4. CLINICAL NEGLIGENCE We will negotiate for an insured person’s legal rights where it is alleged that accidental death or bodily injury to an insured person has resulted from a single negligent act of surgery, clinical or medical procedure. What is not covered under CLINICAL NEGLIGENCE 1. The alleged failure to correctly diagnose the insured person’s condition. 2. Psychological injury or mental illness that is not associated with an insured person having suffered physical bodily injury.

5. EMPLOYMENT DISPUTES We will negotiate for an insured person’s legal rights in a dispute relating to their contract of employment or future employment. What is not covered under EMPLOYMENT DISPUTES 1. Employers’ disciplinary hearings or internal grievance procedures; 2. Any claim relating solely to personal injury.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 25

Legal Protection l Policy 6. PROPERTY PROTECTION We will: a) negotiate for an insured person’s legal rights in a civil action; and/or b) arrange mediation (if appropriate); for a dispute relating to material property (including the insured person’s principal and holiday home) which is legally owned by an insured person, or for which an insured person is responsible, following: 1. an event which causes physical damage to such material property, provided that the amount in dispute is more than €150; 2. a legal nuisance (meaning any unlawful interference with an insured person’s use or enjoyment of their land, or some right over, or in connection with it); 3. a trespass. WHAT IS NOT COVERED UNDER PROPERTY PROTECTION 1. A claim relating to: a) a contract entered into by an insured person; b) any building or land other than the insured person’s principal or holiday home; c) someone legally taking an insured person’s material property from them, whether the insured person is offered money or not, or restrictions or controls placed on an insured person’s material property by any government or public or local authority; d) work done by, or on behalf of, any government or public or local authority unless the claim is for accidental physical damage; e) mining subsidence. 2. Defending a claim relating to an event that causes physical damage to material property, but defending a counterclaim is covered. 3. The first €350 of any claim for legal nuisance or trespass. This is payable as soon as we accept the claim.

7. TAX PROTECTION In the event of a Revenue Commissioner’s audit relating to an insured person’s self-assessment tax return, we will negotiate for an insured person, and represent them in any appeal proceedings. WHAT IS NOT COVERED UNDER TAX PROTECTION 1. A claim relating to an off shore account held by an insured person. 2. The tax affairs of a company, or any claim if the insured person is self-employed, or a sole-trader, or in a business partnership. 3. Any Revenue Commissioner’s audit where the insured person has not submitted a self-assessment tax return. 4. Reviews conducted by the Revenue Commissioners as part of its review programmes.

8. JURY SERVICE AND COURT ATTENDANCE An insured person’s absence from work: a) to attend any court or tribunal at the request of the representative; or b) to perform jury service; or c) to carry out activities specified by the identity theft support service under INSURED INCIDENT 2 IDENTITY THEFT.

9. LEGAL DEFENCE 1. We will defend an insured person’s legal rights if an event arising from an insured person’s work as an employee leads to: a) an insured person being prosecuted; or b) civil action being taken against an insured person under legislation for unlawful discrimination. 2. We will defend an insured person’s legal rights if an event leads to their prosecution for an offence connected with the use or driving of a motor vehicle. WHAT IS NOT COVERED UNDER LEGAL DEFENCE 1. Parking or obstruction offences. 2. The driving of a motor vehicle by an insured person for which the insured person does not have valid motor insurance.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 26

Legal Protection l Policy WHAT IS NOT COVERED BY THIS POLICY 1. A claim where the insured person has failed to notify us of the insured incident within a reasonable time of it happening and where this failure adversely affects the prospect of successfully recovering damages (or getting any other legal remedy that we have agreed to) or of making a successful defence. 2. An incident or matter arising before the start of this policy. 3. Costs and expenses incurred before our written acceptance of a claim. 4. Fines, penalties, compensation or damages which an insured person is ordered to pay by a court or other authority. 5. A claim intentionally brought about by an insured person. 6. A legal action that an insured person takes which we or the representative have not agreed to, or where an insured person does anything that hinders us or the representative. 7. A claim relating to written or verbal remarks which damage an insured person’s reputation. 8. A dispute with us not otherwise dealt with under Condition 7. 9. Apart from us, the insured person is the only person who may enforce all or any part of this policy and the rights and interests arising from or connected with it. 10. Costs and expenses arising from or relating to Judicial Review, coroner’s inquest or fatal accident inquiry. 11. A claim directly or indirectly caused by or resulting from any device failing to recognise, interpret or process any date as its true calendar date. 12. A claim which is fraudulent, exaggerated or dishonest or where an allegation of dishonesty or violent behaviour has been made against the insured person. 13. A claim caused by, contributed to by or arising from: a) ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear part of it; c) war, invasion, foreign enemy hostilities (whether war is declared or not), civil war, rebellion, revolution, military force or coup; or d) pressure waves caused by aircraft or any other airborne devices travelling at sonic or supersonic speeds.

CONDITIONS WHICH APPLY TO THE WHOLE POLICY 1. An insured person must: a) keep to the terms and conditions of this policy; b) try to prevent anything happening that may cause a claim; c) take reasonable steps to keep any amount we have to pay as low as possible; d) send everything we ask for, in writing; e) give us full and truthful details by phone or in writing of any claim as soon as possible and give us any information we need. 2. a) We can take over and conduct in the name of an insured person, any claim or legal proceedings at any time. We can negotiate any claim on behalf of an insured person. b) An insured person is free to choose a representative (by sending us a suitably qualified person’s name and address) if: i. we agree to start legal proceedings and it becomes necessary for a lawyer to represent the interests of an insured person in those proceedings; or ii. there is a conflict of interest. c) In all circumstances except those in 2(b) above, we are free to choose a representative. d) Any representative will be appointed by us to represent an insured person according to our standard terms of appointment. The representative must co-operate fully with us at all times. e) We will have direct contact with the representative. f) An insured person must co-operate fully with us and the representative and must keep us up to date with the progress of the claim. g) An insured person must give the representative any instructions that we ask for. 3. a) An insured person must tell us if anyone offers to settle a claim. b) If an insured person does not accept a reasonable offer to settle a claim, we may refuse to pay further costs and expenses. c) We may decide to pay the insured person the amount of damages that the insured person is claiming, or that is being claimed against them, instead of starting or continuing legal proceedings.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 27

Legal Protection l Policy 4.

a) An insured person must tell the representative to have costs and expenses taxed, assessed or audited, if we ask for this. b) An insured person must take every step to recover costs and expenses and IB application fee(s) that we have to pay, and must pay us any costs and expenses and IB application fee(s) that are recovered. 5. If the representative refuses to continue acting for an insured person with good reason, or if an insured person dismisses the representative without good reason, the cover we provide will end at once, unless we agree to appoint another representative. 6. If an insured person settles a claim or withdraws it without our agreement, or does not give suitable instructions to a representative, the cover we provide will end at once and we will be entitled to reclaim from you costs and expenses we have paid. 7. If there is a disagreement about the way we handle a claim that is not resolved through our internal complaints procedure, the insured person can contact the Financial Service Ombudsman’s Bureau for help. 8. We may, at our discretion, require the insured person to obtain, at their expense, an opinion from a lawyer, accountant or other suitably qualified person chosen by the insured person and us, on the merits of a claim or proceedings. If the chosen person’s opinion indicates that it is more likely than not that an insured person will recover damages (or obtain any other legal remedy that we have agreed to) or make a successful defence, we will pay the cost of obtaining the opinion. 9. You can cancel this policy by telling us within 14 days of taking it out; or at any time afterwards as long as you tell us at least 14 days beforehand. We can cancel this policy at any time as long as we tell you at least 14 days beforehand. 10. We will not pay any claim covered under any other policy, or any claim that would have been covered by any other policy if this policy did not exist. 11. This policy will be governed by the laws of the Republic of Ireland.

Andrew Burke Chief Executive Officer IMPORTANT INFORMATION LEGAL ADVICE SERVICE Call 1850 670 747 when you require legal advice IDENTITY THEFT SERVICE Call 1890 252 922 for support against identity theft HEALTH AND MEDICAL INFORMATION SERVICE Call 1890 254 164 for advice on general health issues COUNSELLING SERVICE Call 1850 670 407 for confidential counselling DOMESTIC HELP Call 01 881 8010 when you have a domestic emergency in your home Please refer to the insurance certificate issued with this policy | Please note that all calls made to and from DAS Ireland are recorded for training and quality purposes | DAS Legal Expenses Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority of the United Kingdom and regulated by the Central Bank of Ireland for conduct of Business rules | The regulatory system which applies in Ireland is different to that which applies in the UK.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 28

Legal Protection l Policy 1.

2. 3. 4. 5.

6. 7. 8.

a) An insured person must tell the representative to have costs and expenses taxed, assessed or audited, if we ask for this. b) An insured person must take every step to recover costs and expenses and IB application fee(s) that we have to pay, and must pay us any costs and expenses and IB application fee(s) that are recovered. If the representative refuses to continue acting for an insured person with good reason, or if an insured person dismisses the representative without good reason, the cover we provide will end at once, unless we agree to appoint another representative. If an insured person settles a claim or withdraws it without our agreement, or does not give suitable instructions to a representative, the cover we provide will end at once and we will be entitled to reclaim from you costs and expenses we have paid. If there is a disagreement about the way we handle a claim that is not resolved through our internal complaints procedure, the insured person can contact the Financial Service Ombudsman’s Bureau for help. We may, at our discretion, require the insured person to obtain, at their expense, an opinion from a lawyer, accountant or other suitably qualified person chosen by the insured person and us, on the merits of a claim or proceedings. If the chosen person’s opinion indicates that it is more likely than not that an insured person will recover damages (or obtain any other legal remedy that we have agreed to) or make a successful defence, we will pay the cost of obtaining the opinion. You can cancel this policy by telling us within 14 days of taking it out; or at any time afterwards as long as you tell us at least 14 days beforehand. We can cancel this policy at any time as long as we tell you at least 14 days beforehand. We will not pay any claim covered under any other policy, or any claim that would have been covered by any other policy if this policy did not exist. This policy will be governed by the laws of the Republic of Ireland.

Andrew Burke Chief Executive Officer IMPORTANT INFORMATION LEGAL ADVICE SERVICE Call 1850 670 747 when you require legal advice IDENTITY THEFT SERVICE Call 1890 252 922 for support against identity theft HEALTH AND MEDICAL INFORMATION SERVICE Call 1890 254 164 for advice on general health issues COUNSELLING SERVICE Call 1850 670 407 for confidential counselling DOMESTIC HELP Call 01 881 8010 when you have a domestic emergency in your home Please refer to the insurance certificate issued with this policy | Please note that all calls made to and from DAS Ireland are recorded for training and quality purposes | DAS Legal Expenses Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority of the United Kingdom and regulated by the Central Bank of Ireland for conduct of Business rules | The regulatory system which applies in Ireland is different to that which applies in the UK.

Blue Insurance Limited is regulated by the Central Bank of Ireland. 28

Car Hire Excess Insurance Transform Your Insurance

0818 484 484

COVER DETAILS INCLUDE: • Annual and Daily Policies • European & Worldwide Cover • Windows, Tyres and Undercarriage Damage

• • • •

Cover may vary depending on the policy level purchased. Blue Insurance Limited is regulated by the Central Bank of Ireland.

Car Rental Key Cover Fire, Theft & Vandalism Damage Personal Possessions Cover Collision Damage Waiver

Comments