Home Assumptions

assumptions

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Owner Occupied

Is constructed of brick, stone or concrete (including timber frame or brick eternal cladding) and roofed substantially (at least 70%) with slates, tiles, metal, concrete or asphalt
Is not a 'listed' or 'protected' structure
Has not suffered from loss or damage as a result of flood nor is there a history of such damage in the area
Has not suffered from loss or damage as a result of subsidence nor is there a history of such damage in the area
Property is not over 100 years old
Is in good repair and will be so maintained
The property is not used for any business, trade or professional purpose
Has not been convicted or charged with arson or any criminal offence (other than motoring offences or spent convictions)
Has not had any insurance declined, refused, cancelled, voided or made subject to special terms or conditions
The proposer has not made a claim for loss, damage or liability under any Household Insurance policy in the last 3 years other than those already advised to us

Let - Landlord

Is constructed of brick, stone or concrete (including timber frame or brick eternal cladding) and roofed substantially (at least 70%) with slates, tiles, metal, concrete or asphalt
Is not a 'listed' or 'protected' structure
Has never suffered from loss or damage as a result of flood nor is there a history of such damage in the area
Has not suffered from loss or damage as a result of subsidence nor is there a history of such damage in the area
Property is not over 100 years old
Is in good repair and will be so maintained
The property is not used for any business, trade or professional purpose
Has not been convicted or charged with arson or any criminal offence (other than motoring offences or spent convictions)
Has not had any insurance declined, refused, cancelled, voided or made subject to special terms or conditions
The proposer has not made a claim for loss, damage or liability under any Household Insurance policy in the last 3 years other than those already advised to us

Holiday Home Let

Is let in one unit and is not subdivided
Is occupied by you as a holiday home and is let out
Is constructed of brick, stone or concrete (including timber frame with concrete or brick external cladding) and roofed substantially (at least 70%) with slates, tiles, metal, concrete or asphalt
Is not a 'Listed' or 'Protected' structure
Has never suffered from loss or damage as a result of flood nor is there a history of such damage in the area
Has not suffered from loss or damage as a result of subsidence nor is there a history of such damage in the area
Property is not over 100 years old
Is in good repair and will be so maintained
The property is not used for any business, trade or professional purpose
Has not been convicted or charged with arson or any criminal offence (other than motoring offences or spent convictions)
Has not had any insurance declined, refused, cancelled, voided or made subject to special terms or conditions
The proposer has not made a claim for loss, damage or liability under any Household Insurance policy in the last 3 years other than those already advised to us

Holiday Home Family Use Only

Is constructed of brick, stone or concrete (including timber frame or brick eternal cladding) and roofed substantially (at least 70%) with slates, tiles, metal, concrete or asphalt
Is not a 'listed' or 'protected' structure
Has not suffered from loss or damage as a result of flood nor is there a history of such damage in the area
Has not suffered from loss or damage as a result of subsidence nor is there a history of such damage in the area
Property is not over 100 years old
Is in good repair and will be so maintained
The property is not used for any business, trade or professional purpose
Is occupied by you as a holiday home
Has not been convicted or charged with arson or any criminal offence (other than motoring offences or spent convictions)
Has not had any insurance declined, refused, cancelled, voided or made subject to special terms or conditions
The proposer has not made a claim for loss, damage or liability under any Household Insurance policy in the last 3 years other than those already advised to us

Let - Tenant

Is constructed of brick, stone or concrete (including timber frame or brick eternal cladding) and roofed substantially (at least 70%) with slates, tiles, metal, concrete or asphalt
Is not a 'listed' or 'protected' structure
Has never suffered from loss or damage as a result of flood nor is there a history of such damage in the area
Has not suffered from loss or damage as a result of subsidence nor is there a history of such damage in the area
Property is not over 100 years old
Is in good repair and will be so maintained
The property is not used for any business, trade or professional purpose
Has not been convicted or charged with arson or any criminal offence (other than motoring offences or spent convictions)
Has not had any insurance declined, refused, cancelled, voided or made subject to special terms or conditions
The proposer has not made a claim for loss, damage or liability under any Household Insurance policy in the last 3 years other than those already advised to us

Owner Occupied

The property or area has never suffered from subsidence, landslip, heave, coastal or river erosion or is not prone to any of these
The property has not previously flooded or is not in an area which has previously flooded
The property is not near any rivers, lakes, streams or any other body of water
The property is not in an area that is particularly exposed to damage by storm
The property is not used for any type of business purposes
The property in not left unoccupied for any longer than 30 consecutive days throughout the year
The property you wish to insure is not under construction, renovation, repair or extension at present
The property is in a good state of repair and will be so maintained
The property does not have any ornate ceilings/plasterwork, antique fireplaces or any other unique features
Neither you or anyone that resides with you, has ever been refused insurance, renewal of insurance, had any special terms applied or had a policy cancelled by an Insurer including for direct debit defaults
Neither you or anyone that resides with you, has ever been convicted of an offence or charged with a criminal offence, other than a motoring offence
Neither you or anyone that resides with you, has ever had any judgement or bankruptcy orders pending or otherwise made against you

Let - Landlord

The property is heated by gas/electric/oil central heating
There is a tenancy agreement with the tenant(s)
References have been taken
The property is protected with fire detection and prevention facilities in working order as required by the Fire Services act 1981

Owner Occupied

Has never had a proposal for insurance declined or had special terms or conditions imposed by an insurer
Has never been convicted of a criminal offence and does not have any prosecution pending
Is built totally of brick, stone or concrete and at least 70% of roof is slate, tile, metal or concrete
Is located in an area free from flooding, subsidence, heave, landslip, costal or river erosion
Is occupied solely by you and your family for residential purposes and is your primary place of residence
Is not used for business trade or profession
Is not left unoccupied for more than 30 consecutive days per year
Is in a good state of repair and maintained in good state of repair
Is not undergoing any structural alterations, repair, conversion or extension and there are none planned within next 12 months
Your property will be adequately insured to cover the full rebuilding cost including demolition, site clearance and professional fees
Is not regularly left unoccupied at night
The property meets the minimum security requirements listed below; - All external door must be secured with mortice deadlocks or rim latches - All French doors and patio doors must be secured with appropriate security locks - All ground floor windows and accessible upper floor windows must be secured with appropriate locking mechanisms

Let - Landlord

You or your personal representative interview each tenant for suitability and obtain appropriate references for each tenant
Has never had a proposal for insurance declined or had special terms or conditions imposed by an insurer
Has never been convicted of a criminal offence and does not have any prosecution pending
Is currently leased to a tenant under a lease or rental agreement between you and the tenant
Is built totally of brick, stone or concrete and at least 70% of the roof is slate, tile, metal or concrete
Is located in an area free from flooding, subsidence,heave and landslip ,costal or river erosion
Is a private dwelling only and is not used for any business purpose other than as rented accommodation
Is in a good state of repair and will be maintained in a good state of repair
Is not undergoing any structural alterations, repair, conversion or extension and there are none planned within the next 12 months
Your property will be adequately insured to cover the full rebuilding cost including demolition, site clearance and professional fees
The property meets the minimum security requirements listed below; - All external door must be secured with mortice deadlocks or rim latches - All French doors and patio doors must be secured with appropriate security locks - All ground floor windows and accessible upper floor windows must be secured with appropriate locking mechanisms

Holiday Home Let

Has never had a proposal for insurance declined or had special terms or conditions imposed by an insurer
Has never been convicted of a criminal offence and no convictions pending
Was acquired by you for the purposes of being used as a Holiday Home
Is not an inherited property
Is built totally of brick, stone or concrete and at least 70% of roof is slate, tile, metal or concrete
Is located in an area free from flooding, subsidence, heave, landslip, costal or river erosion
Is not used for business trade or profession other than (if this use is selected) for the provision of short term rented holiday accommodation
Is in a good state of repair and maintained in good state of repair
Is not undergoing any structural alterations, repair, conversion or extension and there are none planned within next 12 months
Your property will be adequately insured to cover the full rebuilding cost including demolition, site clearance and professional fees
The property meets the minimum security requirements listed below; - All external door must be secured with mortice deadlocks or rim latches - All French doors and patio doors must be secured with appropriate security locks - All ground floor windows and accessible upper floor windows must be secured with appropriate locking mechanisms

Holiday Home Family Use Only

Has never had a proposal for insurance declined or had special terms or conditions imposed by an insurer
Has never been convicted of a criminal offence and does not have any prosecution pending
Was acquired by you for the purposes of being used as a Holiday Home
Is not an inherited property
Is built totally of brick, stone or concrete and at least 70% of roof is slate, tile, metal or concrete
Is located in an area free from flooding, subsidence, heave, landslip, costal or river erosion
Is not used for business trade or profession other than (if this use is selected) for the provision of short term rented holiday accommodation
Is in a good state of repair and maintained in good state of repair
Is not undergoing any structural alterations, repair, conversion or extension and there are none planned within next 12 months
Your property will be adequately insured to cover the full rebuilding cost including demolition, site clearance and professional fees
The property meets the minimum security requirements listed below; - All external door must be secured with mortice deadlocks or rim latches - All French doors and patio doors must be secured with appropriate security locks - All ground floor windows and accessible upper floor windows must be secured with appropriate locking mechanisms

Let - Tenant

Has never had a proposal for insurance declined or had special terms or conditions imposed by an insurer
Has never been convicted of a criminal offence and does not have any prosecution pending
Is built of totally brick, stone or concrete and at least 70% of roof is slate, tile, metal or concrete
Is located in an area free from flooding, subsidence, heave, landslip, costal or river erosion
Is occupied solely by you and your family for residential purposes and is primary place of residence
Is not used for business trade or profession
Is not left unoccupied for more than 30 consecutive days per year
Is in a good state of repair and maintained in good state of repair
Is not undergoing any structural alterations, repair, conversion or extension and there are none planned within next 12 months
Your property will be adequately insured to cover the full rebuilding cost including demolition, site clearance and professional fees
Is not regularly left unoccupied at night
The property meets the minimum security requirements listed below; - All external door must be secured with mortice deadlocks or rim latches - All French doors and patio doors must be secured with appropriate security locks - All ground floor windows and accessible upper floor windows must be secured with appropriate locking mechanisms

Owner Occupied

The property, including outbuildings and garages are built from brick, stone or concrete (Timber frame from 1985)
No area of the roof is flat or constructed of materials other than slates or tiles (unless otherwise noted under roof construction)
The property has never flooded and is not in area with history of flooding
The property has never suffered from and is not in area with a history of subsidence, heave or landslip
The property is the main private residence
The property is not used for any business, trade or profession other than home office limited to paperwork, telephone calls and computer work
The buildings are maintained good state of repair
The home is not undergoing renovation or refurbishment or process of being built
The home is currently occupied and not left unoccupied for more than 30 days in a row
Property is self-contained and lockable
Neither you or any person living with you has ever had a policy declined, cancelled or had any special terms imposed
Neither you or any person living with you has ever been convicted of any non-motoring offence (a conviction which qualifies as a spent conviction under the terms of the Children Act 2001 or Criminal Justice (Spent Convictions and Certain Disclosures) Act 2016 can be ignored )

Let - Landlord

The property, including outbuildings and garages are built from brick, stone or concrete (Timber frame from 1985)
No area of the roof is flat or constructed of materials other than slates or tiles (unless otherwise noted under roof construction)
The property has never flooded and is not in area with history of flooding
The property has never suffered from and is not in area with a history of subsidence, heave or landslip
The property is rented to families; couples; retired persons; or persons in full time employment with a minimum 12 month lease and no more than 4 adult tenants will live in the property at any one time.
The property is not used for any business, trade or profession other than home office limited to paperwork, telephone calls and computer work
The buildings are maintained good state of repair
The home is not undergoing renovation or refurbishment or process of being built
The home is currently occupied and not left unoccupied for more than 30 days in a row
Property is self-contained and lockable
Neither you or any person living with you has ever had a policy declined, cancelled or had any special terms imposed
Neither you or any person living with you has ever been convicted of any non-motoring offence (a conviction which qualifies as a spent conviction under the terms of the Children Act 2001 or Criminal Justice (Spent Convictions and Certain Disclosures) Act 2016 can be ignored )

Let - Tenant

The property, including outbuildings and garages are built from brick, stone or concrete (Timber frame from 1985)
No area of the roof is flat or constructed of materials other than slates or tiles (unless otherwise noted under roof construction)
The property has never flooded and is not in area with history of flooding
The property has never suffered from and is not in area with a history of subsidence, heave or landslip
The property is not used for any business, trade or profession other than home office limited to paperwork, telephone calls and computer work
The buildings are maintained good state of repair
The home is not undergoing renovation or refurbishment or process of being built
The home is currently occupied and not left unoccupied for more than 30 days in a row
Property is self-contained and lockable
Neither you or any person living with you has ever had a policy declined, cancelled or had any special terms imposed
Neither you or any person living with you has ever been convicted of any non-motoring offence (a conviction which qualifies as a spent conviction under the terms of the Children Act 2001 or Criminal Justice (Spent Convictions and Certain Disclosures) Act 2016 can be ignored )

Holiday Home Family Use Only

The property, including outbuildings and garages are built from brick, stone or concrete (Timber frame from 1985)
No area of the roof is flat or constructed of materials other than slates or tiles (unless otherwise noted under roof construction)
The property has never flooded and is not in area with history of flooding
The property has never suffered from and is not in area with a history of subsidence, heave or landslip
The property is not used for any business, trade or profession other than home office limited to paperwork, telephone calls and computer work
The buildings are maintained good state of repair
The home is not undergoing renovation or refurbishment or process of being built
The property is self-contained and lockable
Neither you or any person living with you has ever had a policy declined, cancelled or had any special terms imposed
Neither you or any person living with you has ever been convicted of any non-motoring offence (a conviction which qualifies as a spent conviction under the terms of the Children Act 2001 or Criminal Justice (Spent Convictions and Certain Disclosures)Act 2016 can be ignored )

Owner Occupied

The property or area has never suffered from subsidence, landslip, heave, coastal or river erosion or is not prone to any of these
The property has not previously flooded or is not in an area which has previously flooded
The property is not near any rivers, lakes, streams or any other body of water
The property is not in an area that is particularly exposed to damage by storm
The property is not used for any type of business purposes.
The property in not left unoccupied for any longer than 30 consecutive days throughout the year
The property you wish to insure is not under construction, renovation, repair or extension at present
The property is in a good state of repair and will be so maintained
The property does not have any ornate ceilings/plasterwork, antique fireplaces or any other unique features
Neither you or anyone that resides with you, has ever been refused insurance, renewal of insurance, had any special terms applied or had a policy cancelled by an Insurer including for direct debit defaults
Neither you or anyone that resides with you, has ever been convicted of an offence or charged with a criminal offence, other than a motoring offence
Neither you or anyone that resides with you, ever had any judgement or bankruptcy orders pending or otherwise made against you

Let - Landlord

The property is a private dwelling house constructed after 1920 and in an area free from flooding and subsidence
The property is of standard construction - constructed of brick, stone or concrete walls and roofed with slates, tiles, concrete or metal except that up to 20% of the roof may be constructed of felt, mineral felt or bituminous felt
The property is let to one of the following only: family, couple or up to 5 tenants
There is a tenancy agreement in place with the tenants
There are references obtained for the tenants
Registered with The Private Residential Board

Owner Occupied

The dwelling is in a good state of repair and maintained as such
The property has never shown signs of damage by subsidence, heave or landslip (such as external or internal cracks)
No trade, profession or business whatsoever carried on from the property
The property is not undergoing any structural alterations or conversion
The property will not be regularly left unattended by day or night other than normal working hours (i.e. 9am-5pm)
The property is owned by the proposer
The property is not in an area exposed to storm
No one picture, fur, items of gold and silver or jewellery within the home individually exceeds 5% of the sums insured on contents
The dwelling is your permanent residence
The dwelling is not constructed wholly or in part of any material other than brick stone or concrete
The dwelling is a wholly self-contained house, flat, maisonette or apartment with its own separate lockable entrance and without shared facilities (i.e. Kitchen, toilet, bathroom)
The premises have never previously flooded or are they in an area which previously flooded and they are not in the vicinity of any rivers, streams or tidal waters
Neither you or family members residing with have been convicted of, or charged with (but not yet tried) any criminal offence (other than motoring offences)
Neither you or any other person whose property is to be insured has been refused insurance
Neither you or any other person whose property is to be insured has had special terms or conditions imposed on a policy
Neither you or any other person whose property is to be insured has had an insurance cancelled or a refusal to renew
You live in the Republic of Ireland or United Kingdom

Let - Landlord

The property is constructed of brick, stone or concrete and roofed with slates, tiles or concrete
The property is in a good state of repair (including electric wiring) and they will be so maintained
Each unit is let in a single tenancy agreement between the landlord and tenant
All the batteries in battery operated smoke detectors are checked on a regular basis by the insured or an authorised representative
There are fire extinguishers in place throughout the property (at least one)
This is a Single 'Buy to Let' Property which is fully self-contained and not divided into separate units
The property has no signs of damage due to subsidence, heave or landslip (such as internal or external cracks) and is not in an area where there has been or which shows evidence of these causes
The property has never been monitored for subsidence, heave or landslip
The property has never been subject to a survey which mentions settlement or movement of buildings. (if yes, you will need to fax a copy to Chill)
The property has never been flooded nor is in a flood area nor within 250 meters of any river, stream, canal, waterway, other water course or the sea
The property will not be left unattended for more than 30 days at a time
There is a fire blanket or a 1x1 kilogram dry powder fire extinguisher installed close to cooking facilities
The sums insured represents the full reinstatement/rebuilding value
You undertake to maintain the Sums insured at full value
You have never had a proposal for insurance declined, renewal refused, cover terminated, increased premium required or special terms imposed by any insurer
You have never (whether pending or otherwise) had judgement or bankruptcy orders made against you or had a receiver/liquidator/administrator appointed in respect of your affairs of any organisation with which you are or have been connected
You have never been convicted or charged with (but not yet tried) any criminal offence (other than motor offences)
You live in the Republic of Ireland or United Kingdom

Holiday Home Let

The property is constructed of brick, stone or concrete and roofed with slates, tiles or concrete
The property is in a good state of repair (including electric wiring) and they will be so maintained
Each unit is let in a single tenancy agreement between the landlord and tenant
All the batteries in battery operated smoke detectors are checked on a regular basis by the insured or an authorised representative
There are fire extinguishers in place throughout the property (at least one)
This is a Single 'Buy to Let' Property which is fully self-contained and not divided into separate units
The property has no signs of damage due to subsidence, heave or landslip (such as internal or external cracks) and is not in an area where there has been or which shows evidence of these causes
The property has never been monitored for subsidence, heave or landslip
The property has never been subject to a survey which mentions settlement or movement of buildings (if yes, you will need to fax a copy to Chill)
The property has never been flooded nor is in a flood area nor within 250 meters of any river, stream, canal, waterway, other water course or the sea
The property will not be left unattended for more than 30 days at a time
There is a fire blanket or a 1x1 kilogram dry powder fire extinguisher installed close to cooking facilities
The sums insured represents the full reinstatement/rebuilding value
You undertake to maintain the sums insured at full value
You have never had a proposal for insurance declined, renewal refused, cover terminated, increased premium required or special terms imposed by any insurer
You have never (whether pending or otherwise) had judgement or bankruptcy orders made against you or had a receiver/liquidator/administrator appointed in respect of your affairs of any organisation with which you are or have been connected
You have never been convicted or charged with (but not yet tried) any criminal offence (other than motor offences)
You live in the Republic of Ireland or United Kingdom

Holiday Home Family Use Only

The dwelling is in a good state of repair and maintained as such
The property has never shown signs of damage by subsidence, heave or landslip (such as external or internal cracks)
No trade, profession or business whatsoever carried on from the property
The property is not undergoing any structural alterations or conversion
The property is owned by the proposer
The property is not in an area exposed to storm
The dwelling is not constructed wholly or in part of any material other than brick stone or concrete
The dwelling is a wholly self-contained house, flat, maisonette or apartment with its own separate lockable entrance and without shared facilities (i.e. Kitchen, toilet, bathroom)
The premises have never previously flooded or are they in an area which previously flooded and they are not in the vicinity of any rivers, streams or tidal waters
The property is a Holiday Home and is not used by anyone other than you, your family or friends
There is no rental income received
Neither you or family members residing with have been convicted of, or charged with (but not yet tried) any criminal offence (other than motoring offences)
Neither you or any other person whose property is to be insured has been refused insurance
Neither you or any other person whose property is to be insured has had special terms or conditions imposed on a policy
Neither you or any other person whose property is to be insured has had an insurance cancelled or a refusal to renew
You live in the Republic of Ireland or United Kingdom

Owner Occupied

The property (including domestic outbuildings) is not used as the place of employment for any employee other than domestic employees
The property (including domestic outbuildings) is not used to store commercial goods
The property has never been monitored for subsidence, heave or landslip
The property has never been subject to a survey which mentions settlement or movement of the property nor has it ever been underpinned
The property has never suffered damage through flood
There is no history of flood damage in the area
The property is constructed of brick, stone or concrete (including timber frame with concrete or brick external cladding)
The property is in a good state of repair and will be maintained in a good state of repair at all times and free from any signs of external or internal cracks other than fine surface cracks in plaster
The property is not currently under construction, renovation, extension, repair or redecoration (excluding minor internal or internal decoration work such as painting and wallpapering)
The property is not subdivided, a flat or a bedsit
The property is not within 100 meters of any lake, river, stream, canal, sea or any other body of water
The property is not within 200 meters of any property that has been subject to subsidence, heave, landslip, coastal or rover erosion
The property is roofed with slates, tiles, concrete, metal (other than corrugated iron), asphalt mineral felt or torch-on felt provided the proportion of the roof covered with mineral felt or torch-on felt is less than 50% of the total roof area
The property is your main residence , occupied by you and members of your household as your principal residence and is not left unoccupied for more than 45 consecutive days at any one time
The property shows no sign of damage which may be attributable to subsidence, heave or landslip
There is no trade, profession or business carried on from the property to be insured other than office work carried out at the home that does not involve regular visits to the property
The proposer is an individual and not a company or firm
You or any member of your household have never been convicted of, or have any prosecutions pending, for any offence (other than speeding or parking offences)
You or any member of your household have never been refused insurance or had insurance cancelled or special terms or conditions imposed by any insurer (for example, increased excesses or policy loadings)
You or any member of your household have not made any claims or suffered any loss during the last 5 years from anything you wish to insure whether insured or not (other than any loss or claim disclosed to us)

Let - Landlord

The property (including domestic outbuildings) is not used as the place of employment for any employee other than domestic employees
The property (including domestic outbuildings) is not used to store commercial goods
The property has never been monitored for subsidence, heave or landslip
The property has never been subject to a survey which mentions settlement or movement of the property nor has it ever been underpinned
The property has never suffered damage through flood
There is no history of flood damage in the area
The property is constructed of brick, stone or concrete (including timber frame with concrete or brick external cladding)
The property is in a good state of repair and will be maintained in a good state of repair at all times and free from any signs of external or internal cracks other than fine surface cracks in plaster
The property is not currently under construction, renovation, extension, repair or redecoration (excluding minor internal or internal decoration work such as painting and wallpapering)
The property is not subdivided, a flat or a bedsit
The property is not within 100 meters of any lake, river, stream, canal, sea or any other body of water
The property is not within 200 meters of any property that has been subject to subsidence, heave, landslip, coastal or rover erosion
The property is occupied solely as a let private living accommodation and is not left unoccupied for more than 45 days at any one time
The property is roofed with slates, tiles, concrete, metal (other than corrugated iron), asphalt mineral felt or torch-on felt provided the proportion of the roof covered with mineral felt or torch-on felt is less than 50% of the total roof area
The property shows no sign of damage which may be attributable to subsidence, heave or landslip
There is no trade, profession or business carried on from the property to be insured other than office work carried out at the home that does not involve regular visits to the property
The proposer is an individual and not a company or firm
You are registered with the Private Residential Tenancies Board (PRTB) and there is a minimum tenancy agreement of 3 months or more in place between you and your tenant(s)
You or any member of your household have never been convicted of, or have any prosecutions pending, for any offence (other than speeding or parking offences)
You or any member of your household have never been refused insurance or had insurance cancelled or special terms or conditions imposed by any insurer (for example, increased excesses or policy loadings)
You or any member of your household have not made any claims or suffered any loss during the last 5 years from anything you wish to insure whether insured or not (other than any loss or claim disclosed to us)

Holiday Home Let

The property (including domestic outbuildings) is not used as the place of employment for any employee other than domestic employees
The property (including domestic outbuildings) is not used to store commercial goods
The property has never been monitored for subsidence, heave or landslip
The property has never been subject to a survey which mentions settlement or movement of the property nor has it ever been underpinned
The property has never suffered damage through flood
There is no history of flood damage in the area
The property is constructed of brick, stone or concrete (including timber frame with concrete or brick external cladding)
The property is furnished and used on a regular basis as a holiday home
The property is in a good state of repair and will be maintained in a good state of repair at all times and free from any signs of external or internal cracks other than fine surface cracks in plaster
The property is not currently under construction, renovation, extension, repair or redecoration (excluding minor internal or internal decoration work such as painting and wallpapering)
The property is not subdivided, a flat or a bedsit
The property is not within 100 meters of any lake, river, stream, canal, sea or any other body of water
The property is not within 200 meters of any property that has been subject to subsidence, heave, landslip, coastal or rover erosion
The property is roofed with slates, tiles, concrete, metal (other than corrugated iron), asphalt mineral felt or torch-on felt provided the proportion of the roof covered with mineral felt or torch-on felt is less than 50% of the total roof area
The property shows no sign of damage which may be attributable to subsidence, heave or landslip
There is no trade, profession or business carried on from the property to be insured other than office work carried out at the home that does not involve regular visits to the property
The proposer is an individual and not a company or firm
You or any member of your household have never been convicted of, or have any prosecutions pending, for any offence (other than speeding or parking offences)
You or any member of your household have never been refused insurance or had insurance cancelled or special terms or conditions imposed by any insurer (for example, increased excesses or policy loadings)
You or any member of your household have not made any claims or suffered any loss during the last 5 years from anything you wish to insure whether insured or not (other than any loss or claim disclosed to us)

Holiday Home Family Use Only

The property (including domestic outbuildings) is not used as the place of employment for any employee other than domestic employees
The property (including domestic outbuildings) is not used to store commercial goods
The property has never been monitored for subsidence, heave or landslip
The property has never been subject to a survey which mentions settlement or movement of the property nor has it ever been underpinned
The property has never suffered damage through flood
There is no history of flood damage in the area
The property is constructed of brick, stone or concrete (including timber frame with concrete or brick external cladding)
The property is furnished and used on a regular basis as a holiday home
The property is in a good state of repair and will be maintained in a good state of repair at all times and free from any signs of external or internal cracks other than fine surface cracks in plaster
The property is not currently under construction, renovation, extension, repair or redecoration (excluding minor internal or internal decoration work such as painting and wallpapering)
The property is not subdivided, a flat or a bedsit
The property is not within 100 meters of any lake, river, stream, canal, sea or any other body of water
The property is not within 200 meters of any property that has been subject to subsidence, heave, landslip, coastal or rover erosion
The property is roofed with slates, tiles, concrete, metal (other than corrugated iron), asphalt mineral felt or torch-on felt provided the proportion of the roof covered with mineral felt or torch-on felt is less than 50% of the total roof area
The property shows no sign of damage which may be attributable to subsidence, heave or landslip
There is no trade, profession or business carried on from the property to be insured other than office work carried out at the home that does not involve regular visits to the property
The proposer is an individual and not a company or firm
You or any member of your household have never been convicted of, or have any prosecutions pending, for any offence (other than speeding or parking offences)
You or any member of your household have never been refused insurance or had insurance cancelled or special terms or conditions imposed by any insurer (for example, increased excesses or policy loadings)
You or any member of your household have not made any claims or suffered any loss during the last 5 years from anything you wish to insure whether insured or not (other than any loss or claim disclosed to us)

Let - Tenant

The property (including domestic outbuildings) is not used as the place of employment for any employee other than domestic employees
The property (including domestic outbuildings) is not used to store commercial goods
The property has never been monitored for subsidence, heave or landslip
The property has never been subject to a survey which mentions settlement or movement of the property nor has it ever been underpinned
The property has never suffered damage through flood
There is no history of flood damage in the area
The property is constructed of brick, stone or concrete (including timber frame with concrete or brick external cladding)
The property is in a good state of repair and will be maintained in a good state of repair at all times and free from any signs of external or internal cracks other than fine surface cracks in plaster
The property is not currently under construction, renovation, extension, repair or redecoration (excluding minor internal or internal decoration work such as painting and wallpapering)
The property is not subdivided, a flat or a bedsit
The property is not within 100 meters of any lake, river, stream, canal, sea or any other body of water
The property is not within 200 meters of any property that has been subject to subsidence,heave , landslip, coastal or rover erosion
The property is roofed with slates, tiles, concrete, metal (other than corrugated iron), asphalt mineral felt or torch-on felt provided the proportion of the roof covered with mineral felt or torch-on felt is less than 50% of the total roof area
The property is your main residence, occupied by you and members of your household as your principal private residence and is not left unattended for more than 45 consecutive day at any one time
The property shows no sign of damage which may be attributable to subsidence, heave or landslip
There is no trade, profession or business carried on from the property to be insured other than office work carried out at the home that does not involve regular visits to the property
The proposer is an individual and not a company or firm
You or any member of your household have never been convicted of, or have any prosecutions pending, for any offence (other than speeding or parking offences)
You or any member of your household have never been refused insurance or had insurance cancelled or special terms or conditions imposed by any insurer (for example, increased excesses or policy loadings)
You or any member of your household have not made any claims or suffered any loss during the last 5 years from anything you wish to insure whether insured or not (other than any loss or claim disclosed to us)

Owner Occupied

No insurer has declined to accept, cancelled, refused to continue or agreed to continue only on special terms any insurance for the proposer or any other person to whom this insurance would apply
Neither you or anyone living with you has ever been convicted of a criminal offence or received a caution from the Garda or have a prosecution pending for any offence involving arson or other damage or loss of property or dishonesty of any kind (theft, handling stolen goods, robbery, fraud etc.), or have ever been declared bankrupt
Either you or family members are permanently living in the home
The buildings built of brick, stone or concrete and roofed with slates, tiles, concrete or asphalt
The home is in a good state of repair
The premises are free from flooding, in an area which is free from flooding and not within 200 meters of any rivers, streams or tidal waters
You are adhering to the extra security requirements; - All external doors must be fitted with a five lever mortise deadlock - All patio / French / sliding doors must be secured with key operated security locks - All ground floor and other accessible windows must be fitted with key operated security locks or other equally effective locking mechanism / security locks - All garages and outbuildings are fitted with locks and / or padlocks - Contents Sums Insured greater than or equal to €75k must have an intruder alarm installed to EN50131 standards - Contents Sums Insured greater than or equal to €100k must have an intruder alarm installed to EN50131 standards that is also linked to central station
Neither you or any other person whose property is to be insured sustained any loss or damage during the last three years which would have been covered by this type of insurance had it been in force whether or not a claim was paid (other than claims already notified)
The premises are not being used in any way as part of a business, trade or profession
The home is not regularly left unattended at night
The buildings are not being monitored for subsidence, heave or landslip: have never been monitored for subsidence, heave or landslip, or suffered any subsidence, landslip, or heave and you are not aware of any survey carried out on your home which mentions subsidence, settlement or movement of the buildings and there are no signs of internal or external stepped or diagonal cracking
You are not aware that any neighbouring buildings have been the subject of an occurrence of subsidence, heave or landslip

Let - Landlord

No insurer has declined to accept, cancelled, refused to continue or agreed to continue only on special terms any insurance for the proposer or any other person to whom this insurance would apply
Neither you or anyone living with you has ever been convicted of a criminal offence or received a caution from the Garda or have a prosecution pending for any offence involving arson or other damage or loss of property or dishonesty of any kind (theft, handling stolen goods, robbery, fraud etc.), or have ever been declared bankrupt
The buildings built of brick, stone or concrete and roofed with slates, tiles, concrete or asphalt
The home is in a good state of repair
The premises are free from flooding, in an area which is free from flooding and not within 200 meters of any rivers, streams or tidal waters
You are adhering to the extra security requirements; - All external doors must be fitted with a five lever mortise deadlock - All patio / French / sliding doors must be secured with key operated security locks - All ground floor and other accessible windows must be fitted with key operated security locks or other equally effective locking mechanism / security locks - All garages and outbuildings are fitted with locks and / or padlocks - Contents Sums Insured greater than or equal to €75k must have an intruder alarm installed to EN50131 standards - Contents Sums Insured greater than or equal to €100k must have an intruder alarm installed to EN50131 standards that is also linked to central station
Has the property been re-roofed, re-wired and re-plumbed post 1969 (for buildings over 100 years old)
Neither you or any other person whose property is to be insured sustained any loss or damage during the last five years which would have been covered by this type of insurance had it been in force whether or not a claim was paid (other than the claims already notified)
The premises are not being used in any way as part of a business, trade or profession
The home is not regularly left unattended at night
The buildings are not being monitored for subsidence, heave or landslip: have never been monitored for subsidence, heave or landslip, or suffered any subsidence, landslip, or heave and you are not aware of any survey carried out on your home which mentions subsidence, settlement or movement of the buildings and there are no signs of internal or external stepped or diagonal cracking
You are not aware that any neighbouring buildings have been the subject of an occurrence of subsidence, heave or landslip
The home is let as one unit to a family or up to five individuals sharing with a minimum 6 months tenancy agreement in place and registered with the Private Tenancies Board

Holiday Home Family Use Only

No insurer has declined to accept, cancelled, refused to continue or agreed to continue only on special terms any insurance for the proposer or any other person to whom this insurance would apply
Neither you or anyone living with you has ever been convicted of a criminal offence or received a caution from the Garda or have a prosecution pending for any offence involving arson or other damage or loss of property or dishonesty of any kind (theft, handling stolen goods, robbery, fraud etc.), or have ever been declared bankrupt
The buildings built of brick, stone or concrete and roofed with slates, tiles, concrete or asphalt
The home is in a good state of repair
The premises are free from flooding, in an area which is free from flooding and not within 200 meters of any rivers, streams or tidal waters
You are adhering to the extra security requirements; - All external doors must be fitted with a five lever mortise deadlock - All patio / French / sliding doors must be secured with key operated security locks - All ground floor and other accessible windows must be fitted with key operated security locks or other equally effective locking mechanism / security locks - All garages and outbuildings are fitted with locks and / or padlocks - Contents Sums Insured greater than or equal to €75k must have an intruder alarm installed to EN50131 standards - Contents Sums Insured greater than or equal to €100k must have an intruder alarm installed to EN50131 standards that is also linked to central station
Neither you or any other person whose property is to be insured sustained any loss or damage during the last five years which would have been covered by this type of insurance had it been in force whether or not a claim was paid (other than the claims already notified)
The premises are not being used in any way as part of a business, trade or profession
The home is not regularly left unattended at night
The buildings are not being monitored for subsidence, heave or landslip: have never been monitored for subsidence, heave or landslip, or suffered any subsidence, landslip, or heave and you are not aware of any survey carried out on your home which mentions subsidence, settlement or movement of the buildings and there are no signs of internal or external stepped or diagonal cracking
You are not aware that any neighbouring buildings have been the subject of an occurrence of subsidence, heave or landslip
The home is being solely used as a holiday home for family use only

Owner Occupied

All external doors are fitted with appropriate locking mechanisms
All French doors, patio doors and windows are fitted with appropriate security locks
The premises is in a good state of repair and will be so maintained, and is free from all signs of internal or external cracking
The premises is constructed of brick, stone or concrete, or, is timber framed and clad entirely in brick, stone or concrete
The premises is not unoccupied
The premises is not undergoing any construction or renovation
The premises is not more than 100 years old
The premises is not a listed building or subject to preservation order
The premises is not located on a site which exceeds 2 acres in size
The premises is not used in connection with any commercial activities
The premises has never suffered loss or damage due to flooding, whether insured or not, nor is there a history of flooding in the area
The premises has never suffered damage due to subsidence, heave or landslip whether insured or not, nor is there a history of subsidence, heave or landslip in the area
The premises has never been monitored for subsidence, heave or landslip
The premises has never been the subject of a survey which mentions subsidence, heave or landslip
The premises has never been underpinned
The proposer currently holds or has held, home insurance for these premises within the last 12 months (This assumption/declaration does not apply if proposer has only acquired these premises within last 12 months)
The total area of flat or non-standard roof does not exceed 20% of the total roof area and is constructed with one of the following materials: felt on timber or asphalt
The roof is constructed (at least 80%) with one of the following standard materials: slate, tile or concrete
Neither the insured or anyone residing with the insured has ever been refused insurance or had any special terms , restriction or conditions imposed by any insurer (including refusal or special terms, restrictions or conditions previously imposed by us)
Neither the insured or anyone residing with the insured has ever been cautioned for, convicted of, or charged but not yet tried for any criminal offence. This does not apply in respect of spent convictions under the 'Criminal Justice (Spent Convictions and Certain Disclosures) Act 2016' or driving offences under the Road Traffic Acts.

Let - Landlord

All external doors are fitted with appropriate locking mechanisms
All French doors, patio doors and windows are fitted with appropriate security locks
The proposer(s) is/are the owner(s) of the property
The proposer(s) does/ do not occupy the property
The property is occupied by tenants
There is a formal rental agreement for a period of no less than 12 months in place between the proposer(s) and the tenant(s)
The premises is in a good state of repair and will be so maintained, and is free from all signs of internal or external cracking
The premises is constructed of brick, stone or concrete, or, is timber framed and clad entirely in brick, stone or concrete
The premises is not unoccupied
The premises is not undergoing any construction or renovation works
The premises is not more than 100 years old
The premises is not a listed building or subject to preservation order
The premises is not located on a site which exceeds 2 acres in size
The premises is not used in connection with any commercial activities
The premises has never suffered loss or damage due to flooding, whether insured or not, nor is there a history of flooding in the area
The premises has never suffered damage due to subsidence, heave or landslip whether insured or not, nor is there a history of subsidence, heave or landslip in the area
The premises has never been monitored for subsidence, heave or landslip
The premises has never been the subject of a survey which mentions subsidence, heave or landslip
The premises has never been underpinned
The proposer currently holds or has held, home insurance for these premises within the last 12 months(This assumption/declaration does not apply if proposer has only acquired these premises within last 12 months)
The total area of flat or non-standard roof does not exceed 20% of the total roof area and is constructed with one of the following materials: felt on timber or asphalt
The roof is constructed (at least 80%) with one of the following standard materials: slate, tile or concrete
No proposer(s) to this policy has ever been refused insurance or had any special terms , restriction or conditions imposed by any insurer (including refusal or special terms, restrictions or conditions previously imposed by us)
No proposer(s) to this policy has ever been cautioned for, convicted of, or charged but not yet tried for any criminal offence. This does not apply in respect of spent convictions under the 'Criminal Justice (Spent Convictions and Certain Disclosures) Act 2016' or driving offences under the Road Traffic Acts.

Let - Tenant

All external doors are fitted with appropriate locking mechanisms
All French doors, patio doors and windows are fitted with appropriate security locks
The premises is in a good state of repair and will be so maintained, and is free from all signs of internal or external cracking
The premises is constructed of brick, stone or concrete, or, is timber framed and clad entirely in brick, stone or concrete
The premises is not unoccupied
The premises is not undergoing any construction or renovation works
The premises is not more than 100 years old
The premises is not a listed building or subject to preservation order
The premises is not located on a site which exceeds 2 acres in size
The premises is not used in connection with any commercial activities
The premises has never suffered loss or damage due to flooding, whether insured or not, nor is there a history of flooding in the area
The premises has never suffered damage due to subsidence, heave or landslip whether insured or not, nor is there a history of subsidence, heave or landslip in the area
The premises has never been monitored for subsidence, heave or landslip
The premises has never been the subject of a survey which mentions subsidence, heave or landslip
The premises has never been underpinned
The proposer currently holds or has held, home insurance for these premises within the last 12 months (This assumption/declaration does not apply if proposer has only acquired these premises within last 12 months)
The total area of flat or non-standard roof does not exceed 20% of the total roof area and is constructed with one of the following materials: felt on timber or asphalt
The roof is constructed (at least 80%) with one of the following standard materials: slate, tile or concrete
Neither the insured, or anyone residing with the insured has ever been refused insurance or had any special terms , restriction or conditions imposed by any insurer (including refusal or special terms, restrictions or conditions previously imposed by us)
Neither the insured, or anyone residing with the insured has ever been cautioned for, convicted of, or charged but not yet tried for any criminal offence. This does not apply in respect of spent convictions under the 'Criminal Justice (Spent Convictions and Certain Disclosures) Act 2016' or driving offences under the Road Traffic Acts.