Home Insurance: Key Facts
What you should know about your Getcover Property Insurance Policy
The information below provides useful information in relation to your policy.
However, a complete list of covers and exclusions can be found on your policy document at the following links:
Home Insurance Policy Document
Owner Occupier Contents Insurance Policy Document
Tenant Contents Insurance Policy Document
Your Underwriter
Your property Insurance Policy is underwritten through Lloyd’s of London. Lloyd’s is the world's leading insurance market providing specialist insurance services to businesses in over 200 countries and territories
Getcover & Company
Getcover & Company is an Irish owned and run Insurance broker based in Sandyford in Dublin and has been in business for over 10 years. The company is regulated by the Financial Regulator. Our phone number is 1850 851 297.
Eligibility Conditions
When taking out a property policy with Getcover.ie you should carefully read the eligibility conditions associated with the risk you are insuring. If the risk does not conform to the conditions, don’t worry, you can call us on 1850 851 297 and we should be able to organise an alternative quote for you.
Burglar Alarms
If you avail of a discount because you have a Burglar Alarm on your premises, the alarm must be installed and maintained to the EN50131 Standard (old IS199). Your installer will be able to confirm this to you. Remember, in the event of a claim you may be asked to provide the required certification. Also, where you avail of an alarm discount, loss or damage by stealing is excluded unless the alarm is set and in operation when your house is unoccupied.
Flat Roofs
No more than 15% of the roof area of the property in question may be covered in flat felt and the roof area in question must be inspected at least once every two years by a qualified builder or property surveyor and appropriate repairs must be carried out.
Average Clause
If at the time of a loss, your sum insured for Buildings or Contents is less than the full reinstatement or replacement cost, you will be your own insurer for the difference. We will only pay our share of the loss or damage which your sum insured bears to such cost.
For example, if you underinsure your property by 50%, in the event of claim, only 50% of the claim will be met by your insurer.
What’s Covered?
Subject to the conditions, exclusions and excesses on the policy document the following covers are provided:
Click here to view what is covered.
All Risks
All Risks covers loss of or damage to personal possessions, valuables, clothing and other belongings both in and out of the property.
This is optional cover available on Household Insurance and Owner Occupier contents policies.
Making a claim
If your property is lost or damaged you should contact our claims handling team:
OSG Business Solutions, Merrion Hall, Strand Road, Sandymount, Dublin 4
Phone: + 353 1 2611597. E-mail: cnu@osg.ie
Business use
There is no cover provided for any property held in connection with any business, trade or professional purpose other than home office equipment as referred to in the definition of contents.
Wear and tear and loss in value
We will not cover costs associated with the repairing or replacing of items which have lost value or can no longer be used as a result of ongoing wear and tear.
General Advice
You and any member of your household must take all reasonable steps to protect the property and prevent accidents. This also means that you must keep the property in good repair.
You must immediately tell us about any change which may affect your insurance cover or increase the risk of loss or damage. If you do not your cover may not be valid.
Make sure you keep valuation and receipts for items of value. You may need to produce them in the event of a claim.