PLEASE NOTE

You must read all of this section carefully.
It includes

- the Eligibility Conditions associated with your quotation;
- the Active Warrantees and Endorsements associated with your quotation;
- a statement outlining your Duty of Disclosure; and
- a link to our Terms of Trade.

ANY FALSE INFORMATION YOU PROVIDE COULD INVALIDATE YOUR INSURANCE.

In respect to the items now to be insured against, you agree that:

• You must use the property as your main home and, it must be occupied regularly at night.
• At least 85% of the property must be of standard construction (in other words, built of brick, stone or concrete with a slate, tiled or metal decking roof).
• No more than 15% of the roof area may be covered in flat felt and it must be inspected at least once every two years by a qualified builder or property surveyor and appropriate repairs must be carried out.
• The property must be in a good state of repair and be properly maintained and built after 1900.
• The property must not be rented, let or sublet or used for business or commercial purposes other than as a home office.
• The property must not have suffered damage by flood, subsidence, heave or landslip and, to your knowledge, must not be situated within 200 metres of any area with a history of flooding, subsidence, heave or landslip.
• The property must not be left empty other than for normal daily absences or vacation. In any case, the property must not be left empty for more than 30 days in a row in one year.
• Neither you nor any person living with you have made any claim or suffered a loss under a household insurance cover within the last 3 years.
• Neither you nor any person living with you must have ever been convicted of any offence other than minor driving offences.
• Neither you nor any person living with you has ever been refused insurance or had any special conditions placed on you.
• The property must be fitted with the following security devices.
  - Any door giving access to your property must be fitted with mortise deadlocks or deadlocking rim latches.
  - All sliding or patio doors must be fitted with appropriate security locks.
  
• In the event that your property forms part of a converted building, all entry and exit points must lead directly to the exterior of the building. IE your property cannot lead on to a shared corridor or hallway.
• The property must have at least 2 working smoke detectors at all times.
• Whenever you leave the property empty:
  - all doors and windows must be closed and fastened;
  - all door locks as shown above must be in fully working; and
  - all keys must be removed from locks and kept in a secure place.
  

In the event that you do not meet all of the eligibility conditions above, please contact us on 01 290 8833.

Endorsements and Warrantees

The following endorsements and warrantees apply

BURGLAR ALARM CLAUSE

If you have taken advantage of the burglar alarm discount on the basis that your alarm meets EN50131/ IS199 standard, you must be able to provide the certification we need if you make a claim. The alarm must also be regularly serviced. Loss or damage by stealing is not included unless the alarm is set and working when your home is empty.

ROOF MAINTENANCE WARRANTY (Flat Roof Warranty)

It is a condition precedent to liability in respect of damage by Storm or Flood that any flat felted roof portion of the property must be inspected at least once every two years by a qualified builder or property surveyor and any defect brought to light by that inspection shall be rectified immediately.

Your Duty of Disclosure

In addition to providing all basic information of your insurance risk, you must ensure that you are complying with your legal duty of disclosure of all material matters relating to the risk. In particular, you must satisfy yourself as to the accuracy and completeness of the information you have provided to us. In this respect you must provide all information relating to the risk, whether favourable or not, which would influence the judgment of a prudent insurer in determining whether he will take the risk and if so, for what premium and on what terms. If you are in any doubt as to whether a fact is material or not you should disclose it. Failure to disclose all such information could result in the following:

• the policy may be cancelled or deemed null and void;
• claims may not be paid;
• you may encounter difficulty in trying to purchase insurance elsewhere; and,
• in the case of property insurance the failure to have insurance in place could lead to a breach of the terms and conditions attaching to any loan secured on that property.

Please read the Eligibility Conditions on the previous page. If the risk does not comply with one or more of the conditions, you must contact us even if you have previously declared same to us.

You must advise us if there have been any changes which affect this insurance.
For example:
- if the property is no longer your primary residence;
- if the property is left empty for more than 30 days in a row; or
- if the property is now used as a rental property.

Our Terms of Trade

You can view our Terms of Trading and our authorised status as received from Central Bank of Ireland here.