Insurance PolicyHere we have an example of a Premises Policy Cover.

Exlusions to the category are outlined.

If you have any questions relating to policy issues, please ring us on 090 64 57282.

What Your Policy Covers (example)


Fire, Explosion, Lightning, Earthquake and Thunderbolt


Smoke

Meaning direct damage from smoke including the sudden, unusual or faulty operation of any oil, gas, electric domestic heater or domestic cooking appliance located within the Premises.

Excluding Loss or Damage

  • by smoke from fireplaces
  • by smog or from agricultural smudging or industrial operations.

Storm or Flood

Excluding Loss or Damage

  • to fences and gates, lawns, hedges, trees, shrubs and plants, except as a direct result of damage to the Private House by Storm or Flood
  • by frost
  • to roofs constructed with torch-on felt exceeding 10 years of age, or other felt exceeding 5 years of age.

Freezing, Escape or overflow of Water from within any plumbing or Heating system, fixed water apparatus or fixed domestic appliance

Excluding Loss or Damage

  • while the Private House is Unfurnished
  • where the Private House has been Unoccupied for more than 35 consecutive days immediately prior to the loss or damage

Stealing (or Attempted Stealing)

Excluding Loss or Damage

  • while the Private House is Unfurnished
  • where the Private House has been Unoccupied for more than 35 consecutive days immediately prior to the loss or damage
  • when any part of the Private House is lent, let, sub-let or accommodating paying guests unless involving entry or exit by forcible or violent means

Escape or Overflow of oil from within any plumbing or heating system or fixed domestic appliance

Excluding Loss or Damage

  • while the Private House is Unfurnished
  • where the Private House has been Unoccupied for more than 35 consecutive days immediately prior to the loss or damage

Impact by aircraft, aerial devices or articles dropped from them, rail vehicles, road vehicles or animals


Falling trees and branches and/or external television/radio aerials, masts and satellite dishes

Excluding Loss or Damage

  • caused by felling of trees or lopping of branches
  • to hedges and fences
  • arising from the cost of removing fallen trees unless they have otherwise resulted in a valid claim under the Policy

Riot, Civil Commotion, Strikers, Locked-out workers or persons taking part in labour disturbances

Excluding Loss or Damage

  • to boundary walls, hedges, tennis courts, gates, fences, terraces, patios, drive-ways, footpaths, swimming pools, lawns, trees, shrubs and plants

Malicious Damage and Vandalism

Excluding Loss or Damage

  • other than by Malicious Fire and Explosion:
  • by any person lawfully on the Premises or any person invited onto the premises by You or a member of your Household
  • while the Private House is Unfurnished
  • where the Private House has been Unoccupied for more than 35 consecutive days immediately prior to the loss or damage
  • to boundary walls, hedges, tennis courts, gates, fences, terraces, patios, drive-ways, footpaths, swimming pools, lawns, trees, shrubs and plants

Subsidence or Heave of the site on which the Private House stands or Landslip

Excluding Loss or Damage

  • resulting from demolition, structural alteration or structural repair
  • resulting from faulty workmanship, defective design, the use of defective materials, settlement of newly made up ground and coastal, lake or river erosion
  • to boundary walls, gates, fences, terraces, patios, driveways, footpaths, swimming pools and tennis courts unless the Private House is damaged at the same time by this cause
  • resulting from the bedding down of any structure
  • to solid floor slabs or loss or damage resulting from the movement thereof unless the foundations beneath the external walls of the Private House are damaged by the same cause and at the same time, also excluding the first €650 of each and every loss.

Accidental Damage

(where indicated as covered in the Schedule)

Excluding Loss or Damage

  • to the Premises other than to the Private House
  • to any part of the Private House which is lent, let, sub-let, or accommodating paying guests
  • by settlement and shrinkage
  • caused by animals owned or in the care custody or control of You or members of your Household
  • caused by scratching, abrading or denting
  • caused by faulty workmanship, defective design, the use of defective materials or loss or damage resulting from them
  • as a result of tree root action
  • which comes within the terms of any exclusion or limitation set out in this Policy including, but not limited to, Paragraphs (1) to (11)