You (or any member of your household):

• Have not in the past three years made a household insurance claim or had a claim made against you.
• Have not been convicted of or charged with any criminal offence other than a minor driving offence.
• Have not been refused insurance, had any special terms imposed, had insurance cancelled, been asked to take additional precautions, or had renewal refused.
• In connection with this or any other property insurance, have you or any member of your household:
• Ever been declared bankrupt or been convicted* of arson, or any offence involving dishonesty of any kind (e.g. fraud, forgery, theft, robbery or handling or receiving stolen goods) or been convicted of any crime of violence associated with any of these offences?
*Any convictions spent under the Criminal Justice (Spent Convictions and Certain Disclosures) Act 2016 do not need to be disclosed. Further information on spent convictions is available on www.citizensinformation.ie or you can check with your local Garda station if your conviction is considered spent under the Criminal Justice Act 2016.

The Property (to be insured):

• Is owned by you and it is the permanent residence of You and a member of your immediate family
• Is in a good state of repair and will be so maintained and is currently occupied. (This assumption will be considered true if the house has been just purchased for immediate occupation by you i.e. within 28 days of purchase – cover during such period being limited to fire only).
*Good state of repair is defined as secure, structurally sound, weatherproof, no evidence of dry rot, rising damp or infestation and there is no damage to the roof or chimney.
• the buildings are not showing any sign of internal or external stepped or diagonal cracking
• Is not in the course of construction.
• Is not undergoing renovation or refurbishment
• Is built of brick, stone or concrete and roofed with slates, tiles, metal, asphalt or concrete
• No more than 20% of the roof is flat.
• No more than 20% of the roof is roofed with mineral felt.
• The property is located on a site that does not exceed 2 acres in size.
• Has never been previously flooded nor is it in an area which has previously flooded or is particularly exposed to flood damage. No survey, search and/or enquiry made by me or my conveyancer has identified the home as being in an area at risk of flooding or suffered from flooding
• The buildings are not within 250 metres of a river, stream, tidal water or any other watercourse
• Has never shown any sign of damage by subsidence, heave or landslip, coastal or river erosion nor has it ever been underpinned.
• Has never been monitored for subsidence, heave or landslip, coastal or river erosion nor has it ever been subject to a survey which mentions settlement or movement of the premises, nor has it been underpinned. No survey, search and/or enquiry made by me or my conveyancer has identified the buildings as having been monitored for subsidence, landslip or heave.
• Is not used for business trade or professional purposes.
• Will not be regularly left unattended overnight.
• Is a single dwelling unit.
• Was built after 1920.
• Is not a listed building or protected structure.
• Is within the boundaries of the Republic of Ireland.
• Is protected with mortice locks or deadlocking rim locks to external doors and there is appropriate security on patio doors, French doors and on ground floor and other accessible windows.
• Where Contents cover is selected, the contents sum insured chosen does not include any High-Value Items with an individual value exceeding €3,000 or 5% of the contents sum insured (whichever is greatest).
• Caravan/Mobile Home cover is not required (this cover is not available for quotation online).
• Has No Tenants or paying guest residing there.
• The property being insured is your main residence.
• Your home insurance policy for this property has not expired.
• Your buildings will be insured for the total reinstatement cost including all fixtures and fittings and domestic outbuildings/garage

Miscellaneous:

• Policy excesses will apply, please check the on-screen notes
• The Buildings Sum Insured chosen represents the full reinstatement or rebuilding value of the property to be insured.
• Online quotations will only be available where Buildings & Contents cover is selected (at a minimum), for all other quotations, please contact us.

* I agree if I cancel after the cooling period a €25 cancellation fee will be deducted from any refund due to me as a result of the insurance policy being cancelled.

We comply with the provisions contained in the Data Protection Acts 1988 to 2018. We are committed to protecting and respecting your privacy. All calls, both inbound and outbound, may be recorded or monitored for quality, training and verification purposes.

Data collected to bind your policy is passed by secure email in encrypted form within the meaning of the Consumer Act and GDPR, you have the right to request a copy of your details we hold on file and to change any inaccuracies or to cancel same unless we are legitimately obliged to retain same.

If any doubt arises, contact info@halligan.ie