Yes, we will pay the cost of the charges you owe a local authority (as permitted by legislation) for fire brigade attendance, as a result of any incident which is insured by your policy. The maximum amount we will pay is €2,000 for any one loss.
Yes, your holiday home is covered for storm damage. This excludes loss or damage:
- to fences and gates, lawns, hedges, trees, shrubs and plants,
- by frost,
- to roofs constructed with torch-on felt exceeding 10 years of age, or other felt exceeding 5 years of age.
Yes, we will pay the cost of loss or damage by an insured event to contents in the open within the boundaries of the premises. This cover does not include accidental damage even if you have selected this cover and it is indicated on your schedule. The maximum amount we will pay is €650 for of any one loss.
There is a limit of 4 calls outs per policy year. If you need to avail of Emergency Home Assistance service just call 01 448 48 48, where assistance is available 24/7/365 days a year.
Underinsurance is where your sums insured are too low and may not reflect the costs of repairing or rebuilding your holiday home at today’s rates. It is easy to get confused between market value and rebuild cost (sums insured) of your holiday home when it comes to insurance. The market value is the price an estate agent would place on your holiday home if you put it up for sale. This is often different to what the cost is to repair or rebuild your holiday home should it get damaged due to a fire or storm for example, this is your sums insured .
It is important to review your sums insured on an ongoing basis as underinsurance will have an impact at claims stage. One of the terms and conditions on your policy is called “average clause” which applies if you are underinsured. With “average clause” if your sums insured at the time of a claim are less than the cost of rebuilding your home, the amount paid out may be reduced.