Caoga Insurance.

HOME INSURANCE Cover Listing (Insurance Product Information Document) For full details and levels of cover please refer to the online policy handbook. Optional Accidental Damage: Cover on both Buildings and Contents. Standard Policy Excess (€250): The excess is the amount payable by you on any claim. €50 Excess for Specified All Risks: Includes Money, Sports Equipment and Cycles. Unspecified All Risks: Automatically up to €1,275 (excess €100). Unlimited Freezer Contents Cover: Due to temperature change, no excess. Fire Brigade Charges: Up to €1,500. Misuse of Credit Cards: Following theft, up to €650, no excess. Loss or theft of Money: Anywhere in the world, up to €400 (excess €50). Occupiers and Personal Liability: €1,300,000 indemnity. Alternative Accommodation Costs: If property made uninhabitable by an insured peril up to 20% of the Buildings Sum Insured Replacement of Title Deeds: If loss or damage caused by an insured peril up to €650. Automatic increase in contents cover of 10%: During December for Christmas gifts, and one month before and after the wedding day of a member of the household for wedding gifts. Trace and Access of Water/Oil Leaks: Cover up to €750

Comprehensive Cover Listing (Insurance Product Information Document) For full details and levels of cover please refer to the online policy handbook. Policy Excess: (the excess is the amount payable by you on any claim) €100, this is the only amount you pay in the event of a claim No Claims Bonus Protection Unlimited protection for first claim, No Claim Discount not affected, Protection deleted after first claim. If you remain claim free for 3 policy years after the claim your No Claim Discount Protection is reinstated. Windscreen Cover Up to €400 Dedicated Claims Line 1850 200552 No Excess Does not affect No Claims Discount or No Claims Discount Protection Funeral Expenses Up to €3,500 in the event of a fatality resulting from a motor accident Third Party Property Damage Up to €30,000,000 Driving of other cars The policy holder has Third Party only cover to drive another car (with permission of the owner!) not belonging to him/her or hired to him/her under a hire purchase agreement. European Union Use Minimum indemnity required to comply with the laws realting to compulsory insurance of motor vehicles in any country that is a member of the EU. Rugs, Coats and Luggage Cover up to €200 for loss or damage whilst in the insured vehicle Replacement Vehicle If the Insured Vehicle is out of use as a result of a claim for loss or damage insured under this policy the Company will indemnify the Insured in respect of any hiring charges incurred in obtaining a temporary replacement car from our recognised list of current Approved Repairers up to a total value of €190.