Optional Extensions Cover FAQs

Accidental damage cover is for sudden or unintentional damage caused by an unexpected action or event which is not deliberate and is not weather related.

For example, spilling paint accidentally on a carpet is covered under the Contents accidental damage extension; putting a foot accidentally through the attic floor is covered under the Buildings accidental damage extension.

Allianz also offers automatic accidental damage cover to audio and audio-visual equipment, such as a TV, for up to €3,000, even if accidental damage on Contents is not selected.

Cover for loss, theft or damage to items away from your home can be added by selecting All Risks cover. Refer to the
All Risks Cover section of the Household Policy document for full details and the section on what is All Risks cover
below.
 

Are my valuables covered in my car under my household policy?
 

If you have All Risks cover on your Home Insurance policy your valuables are covered once your car is securely locked
and your valuables are completely concealed within a closed compartment or locked boot.

If your car is parked on your drive the valuables are covered under the ‘Contents in the open’ additional benefit on the
policy once your car is securely locked and your valuables are completely concealed within a closed compartment or
locked boot.
 

If your car is garaged then the items are covered under the contents section of the policy.
 

Does my home insurance cover my possessions when I am on holidays?

You have the option to cover loss, theft or accidental damage to your personal possessions while you are away from
your home or on holiday. To do this, you must select the All Risks additional cover option when taking out your policy.

Depending on your own particular requirements, you can specifically list your personal possessions which you wish to
cover or you can select the total amount of your personal possessions which is to be covered. Personal Possessions
which you may want to specifically insure outside your home may include items such as sports equipment, jewellery
and other valuables .This type of cover gives you peace of mind when you are away from home knowing that your
valuables are covered in the event of an incident which may give rise to you having to make a claim.

Details of covers, exclusions and limitations applicable to personal possessions outside of your property are outlined
in the All Risks section of the household policy document.

All Risks cover is an optional extension of cover under your policy which protects you against loss or theft of, or
accidental damage to, personal valuables such as jewellery, clothing, photographic equipment etc. both inside and
outside your home. It also covers you for items you take abroad for up to 60 days.
 

There are two types of All Risks cover:

1    Specified All Risks Cover: which allows you to list individual items on your policy, and specify their value.
      Specified items normally include jewellery, hearing aids, bicycles, cameras and other valuables. Each item is
      covered up to the amount you insure it for.

2    Unspecified All Risks Cover: is an umbrella style cover which allows you to select a total amount that your
      personal effects will be covered for each year. There is no need to list each item individually. This cover is
      designed for items such as glasses, mobile phones, handbags etc.

     Certain limits apply to Unspecified All Risks cover including; €2,000 for any one item and bicycles up to a limit of
     €500.

Allianz can also cover clothing and personal effects inside the Caravan / Mobile Home if you select contents cover as
an optional extra. This also includes accessories, furnishings and utensils.
 

You are covered for loss or damage which occurs during a break-in or an attempted break-in. As long as the Caravan /
Mobile Home is securely locked and the break-in was not due to carelessness on your behalf.
 

Allianz will also provide cover for your legal liability to third parties arising out of the ownership / use of the Caravan /
Mobile Home.
 

This cover would apply if you are found legally liable for:
 

• Accidental damage to property owned by third parties.
• Death, bodily injury or illness caused to third parties.

Details of covers, exclusions and limitations applicable to Caravans / Mobile Homes are outlined in the Caravan /
Mobile Home section of the Household Policy Document.
 

Where am I covered if I insure a Caravan / Mobile Home?  
 

Your Caravan / Mobile home is also insured for up to 60 days in any one Period of Insurance (the period shown on your Schedule any subsequent period for which we accept a renewal premium) worldwide.

Details of covers, exclusions and limitations applicable to Caravans / Mobile Homes are outlined in the Caravan /
Mobile Home section of the Household policy document.

‘All Risks’ cover is a personal choice by the customer and may be chosen for items that are of higher value that might regularly be taken outside of the home, or they have a higher potential to accidentally lose. An example could be an engagement ring, or a bicyle. 

When choosing the amount of cover, consider the personal effects you usually carry. For example, when you leave your home, if you only ever take your watch worth €500, your iPad worth €1,000, and your phone worth €1,000, then consider selecting an insured sum of €2,500 per policy year. This amount will also cover additional items like glasses, clothes, and wallets/purses, including any cash.

Please refer to our Household policy document for full details on what is covered and not covered. All of general exclusions apply here too. The general exclusions are on pages 58-61. Note that this benefit is an optional extra and an additional premium applies.

Here are some of the exclusions that apply, for full details on general exclusions please refer to pages 58-61 of our Household policy document.

• Wear and tear — damage over time by general use.
• Mechanical and electrical breakdowns — damage by a mechanical or electrical fault.
• Unattended items — e.g. sports or camping equipment left unattended.
• Unlocked items — e.g. bicycles and items from vehicles . 
• Unconcealed items— e.g. items on display or not hidden from view in vehicles.
• Loss or damage to camping equipment while in use.
• Loss or damage to sports equipment while in use.
• Business equipment like tools. 
• Documents of any kind.