Home Shield. Summary IN IRELAND

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1 Home Shield Summary IN IRELAND

2 Cotets Policy summary of cover 3 Home Isurace buildigs cover 4 Home Isurace cotets cover 6 Geeral iformatio 11 Security requiremets 11 What if I wat to cacel the policy? 11 What if I eed to make a claim? 11 What if I have a complait? 11 The Fiacial Services Compesatio Scheme (FSCS) 11

3 HOME SHIELD SUMMARY OF COVER 3 This is a summary of the cover provided by our Home Shield Isurace policy. It highlights the mai features ad beefits ad sigificat exclusios ad limits of the policy to help you decide if the policy meets your eeds. A sigificat exclusio is somethig that may affect your decisio o whether the policy is suitable for you; it may also be uusual compared to other home isurace products i the market. The policy documet This summary does ot cotai all the terms ad coditios that may apply to the policy. You will fid the terms ad coditios i the policy documet. We will sed your policy documet to you after you have take out the policy. If you wish, we ca sed you a copy before you take out the policy or you ca see it o our website at Your policy schedule Whe you take out cover with us we will sed you a policy schedule that gives details of your cover ad the property isured. The policy offers you isurace cover for The buildigs of your home (icludig your garages ad outbuildigs). Your household cotets ad persoal belogigs whilst they are i your home. Cotets cover If you choose our cotets cover, you ca exted it to iclude cover for persoal belogigs ad valuables that you have with you whe you re away from home. Tourig caravas ad boats You ca also take out cover for your tourig carava or boat. I additio Accidetal damage You ca exted your buildigs ad cotets cover to iclude accidetal damage. Accidetal damage icludes cover for damage caused by accidets such as if you put your foot through your ceilig while you are i the loft or you spill pait o your carpet. Duratio of your policy Your Home Isurace policy will be for 12 moths from the start date show o your policy schedule. We will sed you otice that your policy is approachig reewal at least 21 days before it is due for reewal.

4 4 SUMMARY OF COVER HOME SHIELD Home Shield buildigs cover Features ad beefits You choose your ow sum isured Sigificat exclusios ad limitatios The most we will pay is the sum isured you have chose. Cover for your home, icludig garages ad outbuildigs, agaist damage by a rage of evets such as fire, theft, subsidece, storm or flood ad escape of water. See the policy documet for the full list of evets that we cover. We iclude storm damage to gates, hedges ad feces if your mai buildig, garage or outbuildig is damaged at the same time. Otherwise we exclude storm damage to gates, hedges ad feces. If your home is left uoccupied for more tha 90 cosecutive days, we exclude theft, vadalism ad damage caused by escape of water. Accidetal breakage of fixed glass (which icludes double-glazig) saitaryware ad ceramic hobs or tops. If your home is left uoccupied for more tha 90 cosecutive days, we exclude cover. Accidetal damage to udergroud services icludig the cost of clearig blockages. Up to the limit or the sum isured you have selected. Cost of locatig the source of a leak of oil or water at your home. 10,000

5 HOME SHIELD SUMMARY OF COVER 5 Features ad beefits Ladscapig costs. Sigificat exclusios ad limitatios 10,000 ay oe claim. Settlig your claim We will arrage for damage to be repaired or pay you the cost of repairs. Both of these are o a ew for old basis. Excess We will discout your premium if you choose a additioal volutary excess. You will have to pay the first 95 of each claim or the first 1,300 for claims for subsidece. Optioal cover Accidetal damage This provides you with extra cover for damage caused by accidets such as if you put your foot through your ceilig whe you are i the loft.

6 6 SUMMARY OF COVER HOME SHIELD Home Isurace cotets cover Features ad beefits You choose the sum isured. You must make sure that the sum isured is the full cost of replacig all your cotets as ew. Sigificat exclusios ad limitatios The most we will pay is the sum isured you have chose. If the sum isured you choose is ot adequate we will reduce ay claim you make i proportio to the amout you are uder-isured by. Cover for your home cotets agaist damage by a rage of evets such as fire, storm or flood, theft, vadalism ad escape of water. See the policy documet for the full list of evets that we cover. If your home is left uoccupied or ufurished for more tha 90 cosecutive days we exclude theft, vadalism ad damage caused by escape of water. Cover for accidetal damage i your home to: audio ad visual equipmet busiess equipmet which icludes persoal computers, keyboards, moitors, modems, priters, facsimile machies, telecommuicatios equipmet, photocopiers ad other office equipmet mirrors, glass tops, fixed glass i furiture, ceramic hobs ad tops. for busiess equipmet 15,000. We exclude accidetal damage to office furiture. If your home is left uoccupied or ufurished for more tha 90 cosecutive days we exclude accidetal damage. Cover for valuables such as jewellery, gold or silver, clocks, watches, furs, works of art, stamp, coi or medal collectios whilst i your home. Stadard limit for ay oe item or collectio is 5,000, or 10% of the cotets sum isured, whichever is the less. Higher valuable limits are available o request.

7 HOME SHIELD SUMMARY OF COVER 7 Features ad beefits Gifts ad provisios i coectio with a family celebratio or religious festival. Sigificat exclusios ad limitatios Up to a additioal 20% of the sum isured. Guests persoal belogigs whilst i your home. 3,750 ay oe claim. Cotets of your immediate family i care homes. 1,500 for ay oe claim ad 7,500 i total for all claims i ay oe period of isurace. Settlig your claim We will arrage for damage to be repaired or pay you the cost of repairs. Both of these are o a ew for old basis. Excess We will discout your premium if you choose a additioal volutary excess. You will have to pay the first 95 of each claim.

8 8 SUMMARY OF COVER HOME SHIELD Optioal extesios Accidetal damage This provides you with extra cover for damage caused by accidets such as if you spill pait o your carpet. Portable possessios Accidetal loss or damage to valuables, persoal belogigs ad clothig that you take away from your home. Features ad beefits You should make sure that the sum isured covers the maximum amout of property that you are likely to take away from home at ay oe time. Sigificat exclusios ad limitatios 90 days worldwide cover i ay oe period of isurace. The limit or the sum isured you choose will be the most we will pay. You must itemise ay sigle items worth over 5,000. We make a deductio for wear ad tear of clothig. We iclude property left i a uatteded vehicle provided all widows, hoods, covers ad suroofs are securely closed ad the boot ad all doors locked ad the property is cocealed i a glove or luggage compartmet or boot. 1,125 ay oe pedal cycle. Higher limits are available o request. We iclude theft of pedal cycles provided they are locked whe uatteded. Settlig your claim We will repair, replace or pay the cost of replacig your portable possessios o a ew for old basis. Excess You will have to pay the first 95 of each claim.

9 HOME SHIELD SUMMARY OF COVER 9 Tourig caravas Accidetal loss or damage to tourig caravas icludig trailer tets ad luggage trailers. Features ad beefits You choose the sum isured. You should make sure that the sum isured is the curret market value of the carava. If the carava is less tha 12 moths old, you should isure it for the cost of replacemet as ew. Sigificat exclusios ad limitatios 90 days worldwide cover i ay oe period of isurace. The sum isured will be the most we will pay. We exclude cover for caravas which are hired out. We exclude storm damage cover to trailer tets ad awigs. Settlig your claim We will repair, replace or pay the cost of replacig your tourig carava, trailer tet or luggage trailer. If we kow that you are still payig for the carava, trailer tet or luggage trailer uder a hire purchase or leasig agreemet, we will pay the hire or lease compay if the carava, trailer tet or luggage trailer is lost or it would ot be ecoomical to repair the damage. Excess You will have to pay the first 95 of each claim

10 10 SUMMARY OF COVER HOME SHIELD Boats Accidetal loss or damage to crafts (icludig surfboards ad sailboards) up to six metres i legth with a maximum speed of 17 kots covers the craft, its equipmet, trolleys, lifejackets, outboard motors ad trailers. Features ad beefits You choose the sum isured. You should make sure that the sum isured is the curret market value of the boat. If the boat is less tha 12 moths old, you should isure it for the cost of replacemet as ew. Sigificat exclusios ad limitatios 90 days worldwide cover i ay oe period of isurace. The sum isured will be the most we will pay. We exclude boats which are let or hired out. Settlig your claim We will repair, replace or pay the cost of replacig your boat. Excess You will have to pay the first 95 of each claim.

11 HOME SHIELD SUMMARY OF COVER 11 Geeral iformatio Security requiremets The locatio of your property may mea that we eed to apply security requiremets. If this is the case, we will let you kow before you take out the policy. You may be able to choose to comply with the security requiremets i retur for a discout to your premium. If security requiremets do apply but you do ot put them i place or use them as agreed, a icreased theft excess may apply. Methodist Isurace plc. St A s House, St A s Place, Machester M2 7LP Tel Fax We will aim to resolve your complait withi five busiess days. If this is ot possible: What if I wat to cacel the policy? You may cacel this policy by givig us 7 days otice i writig. If you cacel the policy, you will be etitled to a refud of a part of your premium as log as you have ot made a claim durig the curret period of isurace. We will promptly ackowledge all complaits All complaits will be ivestigated diligetly ad impartially withi Ecclesiastical We will respod formally to your complait as soo as possible We will keep you iformed of the progress of the ivestigatio. What if I eed to make a claim? If you eed to report a claim you ca call us o +44 (0) hours a day 7 days a week Law applicable The law of the Republic of Irelad will apply to your isurace cotract. Methodist Isurace plc by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority i the UK. What if I have a complait? If you have ay reaso to complai about the advice or service you ve received, please cotact us as soo as possible. You ca complai i writig or verbally at ay time to: If you re ot satisfied with our respose, or we have ot completed our ivestigatio after forty busiess days, you may refer your complait to:- The Fiacial Services Ombudsma, 3rd Floor Licol House Licol Place Dubli 2. Lo Call: Tel: This complaits procedure does ot affect your right to take legal proceedigs. The Fiacial Services Compesatio Scheme (FSCS) Methodist Isurace are covered by the FSCS. You may be etitled to compesatio should we be uable to fulfill our obligatios to you. For further iformatio, cotact FSCS o: Tel +44 (0)

12 12 SUMMARY OF COVER HOME SHIELD Notes

13 HOME SHIELD SUMMARY OF COVER 13 Notes

14 14 SUMMARY OF COVER HOME SHIELD Notes

15 HOME SHIELD SUMMARY OF COVER 15 This cotract is uderwritte by: Methodist Isurace plc. Our FCA register umber is Our permitted busiess is geeral isurace. You ca check this o the FCA s register by visitig the FCA s website or by cotactig the FCA o

16 Methodist Isurace plc, St A s House, St A s Place, Machester M2 7LP Tel: Fax: Methodist Isurace PLC (MIC) Reg. No Registered i Eglad at Beaufort House, Bruswick Road, Gloucester, GL1 1JZ. Methodist Isurace PLC is authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority i the Uited Kigdom, ad regulated by the Cetral Bak of Irelad for Coduct of Busiess rules. Prited o paper from sustaiable forests PD1007/1/0114

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