Home Insurance Presented by Liam Small Business Development Manager Aviva Insurance Ltd.
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1 Home Insurance Presented by Liam Small Business Development Manager Aviva Insurance Ltd.
2 Who should buy Aviva Home Insurance? If you: Own Your Home You need our Buildings & Contents Policy (min premium 230) Aviva Home Insurance Meeting the Insurance needs of all Aviva customers If you are: Renting / Apartment Owner You need our Contents Only Policy (min premium 115) If you are: Having your own home built You need our Building in the Course of Construction Policy (BICOC)
3 Cover Available Owner Occupied Or Let Properties STANDARD: Buildings Contents OPTIONAL COVER ON OWNER OCCUPIED ONLY: All Risks Accidental Damage Caravan OPTIONAL EXTRA AVAILABLE ON BOTH: Help in a home emergency Rental Property (Tenant or Landlord) Or Apartment Owner STANDARD: Contents OPTIONAL COVER APT. OWNER OR TENANT: All Risks Accidental Damage OPTIONAL EXTRA AVAILABLE ON ALL: Help in a home emergency Holiday Homes (Own Use Only or Own Use and/or Let) STANDARD: Buildings Contents OPTIONAL EXTRA AVAILABLE ON BOTH: Help in a home emergency Some other optional covers are available for Own Use Only Holiday Homes BICOC If you are having your own home built for you, you need our Building in the Course of Construction Policy (BICOC) - available through the Call Centre. The risk is acceptable if building hasn t gone past the first block. Refer to our Commercial Team for self-builds.
4 Acceptance Criteria Assumptions Your Property Is in a good state of repair and will be kept in good repair at all times Is secure, with locks fitted to all external doors (additional security requirements may also apply) Is less than 100 years old Will not be left unoccupied for more than 60 days in a row Is your main home, occupied solely by you and/or your family Is not used in any way for business purposes (including any domestic outbuildings) At least 75% of it consists of standard building materials such as brick, stone or concrete with a slate or tiled roof Is not located in an area particularly prone to damage by storm, flood, subsidence, heave or landslip Is not a Holiday Home or Rented property Is not a listed building, period house or does not have a preservation order on it Does not have ornate ceilings or plasterwork, antique fireplaces or any other unique features Your Property s Insurance History we assume that: No insurer has declined or stopped insurance on your property No insurer has imposed any special terms or conditions on your property Your property will be insured for an amount equal to the rebuilding cost Your Insurance History - We assume that you and anyone else involved in this policy: Have never had insurance declined or stopped, or had any special terms or conditions imposed In offering a quote, we assume the following to be true Note: The assumptions are risk characteristics that Aviva do not accept. The assumptions should be outlined to each client at quotation stage. In order for us to be able to quote the risk the client needs to confirm that the risk has none of these characteristics Have never been declared bankrupt or been convicted or charged with any offence of any nature or have any conviction or prosecution pending Have never had a flood, subsidence heave or landslip claim or loss Have not made any water leakage claims or losses in the last 3 years Have not had any other claims or losses (excluding flood, subsidence, heave, landslip and water leakage) exceeding 10,000 in value in the last 3 years Have not had more than one other claim or loss (excluding flood, subsidence, heave, landslip and water leakage) in the last 3 Aviva: years, Internalwhether you were insured or not.
5 Acceptance Criteria Insurance History Note: If you have a client who has had a claim greater than 10k which is not water leakage, flood, subsidence, heave or landslip, you can refer to Aviva for consideration.
6 Acceptance Criteria Construction Type
7 Acceptance Criteria Property Details or Use 2 Note: Refer any cases where professional child minding is taking place in the property
8 Acceptance Criteria Sums Insured Limits Note: The limit for valuables in the home is 2,600 or 5% of the Contents Sum Insured whichever is more. The most we will pay for valuables is one-third of the contents sum insured in total.
9 Standard Cover Available
10 Buildings Definition Your home and its fixtures and fittings, interior decorations, swimming pools (but not outdoor spas and hot tubs), fuel septic and service tanks, terraces, patios, decks, paths, driveways, tennis courts, walls fences and gates for which you are legally responsible, all within the boundary of your home. Tip: The building sum insured should represent the reinstatement cost not the market value. The rebuilding value is normally included in the valuation report on the property which is required for new mortgages or the client can refer to the guide to calculating the rebuilding cost provided by the Society of Chartered Surveyors of Ireland
11 Contents Definition Household goods, personal belongings and valuables, including personal money up to the limit shown in the schedule; within your home which you or any member of your household own or for which you are responsible. The most we will pay for Contents in your domestic outbuildings is shown in your schedule. Contents does not include: documents or securities (stocks & shares) valued at more than 400 in total; medals or coins; caravans, watercraft, motor vehicles (including rideon lawnmowers) or trailers or parts or accessories for any of them; any living creature or plants, trees or shrubs; property used or kept for business, trade or professional purposes; property more specifically insured; dentures; or unmanned aerial vehicles (UAVs), drones or radio controlled aircraft. Note: The items listed above are specifically excluded from the contents section of the policy
12 Optional Cover Available
13 Optional Cover All Risks Unspecified & Specified Cover Definition: jewellery, personal belongings (including luggage, clothing, sports, musical & photographic equipment) bicycles and personal money. Cover for items outside the home. 2 options - Unspecified and Specified. Maximum total sum insured allowed for unspecified and specified items is 50% of the Contents value. Unspecified Options Maximum (All Areas) Single Article Limit Unspecified Option A 5,000 1,500 *Max Bicycles 500 in any one period of insurance *Max Money 130 Unspecified Option B 7,500 2,500 *Max Bicycles 500 in any one period of insurance *Max Money 130 Unspecified Option C 15,000 3,500 *Max Bicycles 500 in any one period of insurance *Max Money 200 Specified Options Maximum (All Areas) Specified Items 50,000 per item Valuation required for items worth more than 5,000 Note: Separate rates for mobile phones, laptops (personal use only). Contact Aviva. Specified Bicycles 1,500 NA Refer to Call Centre Ride on Lawnmower: Maximum sum insured is 5,000 Mobile Phone: Max sum insured is 1,000 Laptop/IPad: Max sum insured is 5,000 Refer to Call Centre: Specified all risks covers
14 Optional Cover Accidental Damage Garden Cover Accidental Damage Definition: Caused by something external to the buildings or contents whilst in the home. Optional cover provided for Accidental Damage on Buildings & Contents Some Accidental Damage Exclusions: Things that happen gradually Chewing, scratching, tearing or fouling by pets When any part of the building is used by tenants, paying guests or for business Electrical or mechanical breakdown Computer equipment whilst being transported, carried or moved Glass, china, pictures, works of art whilst being handled or used Garden Cover For items left permanently in the open; Optional cover available with limits up to 1,000, 2,000 or 3,000
15 Optional Cover Help in a home emergency & optional business use Help in a home emergency: Help in a Home Emergency provides an emergency service to the household to prevent further loss or damage. Customers can access a 24 Hour comprehensive emergency service Covers include storm damage, water or oil leaks, loss of keys as well as broken glass in outside windows or doors Additional premium per policy is 25; Callout, labour and materials for the emergency repair Up to 250 for each incident ( 260 for broken glass) If actual cost to repair exceeds 250, customer pays the difference or if a valid claim, Aviva cover the cost less policy excess Optional Business Use Covers: In House Office: Liability and/or Business Equipment cover is available if the Insured uses a room in his house as an office. Child Minding Cover: Liability cover is available to the Insured if they are minding up to two children in their home.
16 Features and Benefits Features & Benefits Contents increase by 10% Over the Christmas period, weddings of immediate family members Cover Up to 10% of the CTS SI Credit & Debit Card Cover Up to 650 Door Locks Replacement Up to 400 Death Benefit for you or your domestic partner following an accident in the house 3,300 Death Benefit for your cat or dog if killed by fire or thieves Up to 260 Fire Brigade Charges Up to 1,500 Frozen Food Cover Up to 650 Jury Service 40 per day 650 max Alternative Accommodation (incl kennelling of pets) Up to 15% of the BLD / CTS SI Contents Temporarily Removed Up to 20% of CTS SI Title Deeds Up to 1,000 Visitor's Personal Effects Up to 400 Architect, Surveyor, Legal & other fees and associated costs Included in BSI Contents temporarily in the open Up to 650 Note: Garden Cover - For items that are designed to be left permanently in the open. There are three cover options 1,000, 2,000 or 3,000.
17 Common Endorsements HW11 Accidental damage We will cover accidental damage caused by something external to the buildings, or to the contents while in your home, but not including the following. 1 Anything which happens gradually. 2 Chewing, scratching, tearing, or fouling, by pets. 3 When any part of the buildings is used by tenants or paying guests, or if there is business or professional use, in that part of the buildings which the public have access to. 4 For faulty workmanship or faulty design. 5 Electrical or mechanical breakdown. 6 Maintenance, or routine repair or decoration. 7 When your home is unoccupied for more than 60 days in a row. 8 Wear and tear, atmospheric or weather conditions, wet or dry rot, fungus, mildew, insects, vermin, denting, scratching, action of light, any process of cleaning, defrosting, dyeing or restoration. 9 Jewellery, watches, furs, contact lenses, hearing aids, mobile phones or computer equipment, which is designed to be portable while it is being transported, carried or moved. 10 Glass, china, porcelain, earthenware, stoneware, pictures, works of art, or other articles of a brittle nature while being handled or used. 11 Accidental or deliberate erasure, destruction, distortion or corruption of data or programs. 12 Loss or damage we specifically exclude or provide for under any other section of this policy. HW2B Security intruder alarm We have given you a discount because you have an approved intruder alarm fitted in your private house or apartment. We will not cover loss or damage as a result of theft or attempted theft, unless the intruder alarm system: a meets EN50131 or IS199 standard; b is installed by an intruder alarm company approved by the NSAI (National Standards Authority of Ireland), EQA Ireland, Management Systems Certification Ltd., SSAIB or CerticCS; c the installer holds a PSA (Private Security Authority) licence and d the alarm is set and working when there is no person at home. In the event that the alarm system is not in operation during a theft or attempted theft, the excess applying to the policy is doubled for that claim.
18 Landlord/Tenants Contents Only Insurance Aviva are now offering Contents only policies for Landlords and Tenants Phase 1 The National Personal Lines Team in Cork can now provide over the phone quotes for Landlords or Tenants looking for contents cover only. Phase 2 With the completion of phase 2 Aviva will automatically provide quotes on the Relay system for Landlords or Tenants seeking contents sum insured. Who is eligible? Landlords with purpose built apartments are eligible for this product. Tenants who are renting from landlords are eligible for this product; provided the property is within the current Aviva risk appetite Standard accept criteria applies in respect of previous claims & convictions Minimum premium of 115 applies We will reaffirm the launch date of the contents only online solution at Aprils broker conference
19 Best Doctors Second Medical Opinion -A unique benefit from Aviva Insurance Ireland March 2018
20 Best Doctors Second Medical Opinion Second Medical Opinions really count! That s why Aviva makes the unique Best Doctors Second Medical opinion service available to all of our individual protection customers From the first day of cover, at no extra cost Exclusive to Aviva in Ireland Available on all Home Insurance Policies from March 2018.
21 That s why member needs Best Doctors Best Doctors identifies and solves the most complex, critical and costly problems in health care by combining top clinical talent with a highly personal methodology across a global network. 21
22 That s why we created the expert second opinion service Best Doctors was founded with the specific goal of providing expert, independent clinical analysis to the people who need it most, regardless of their physical location. For more than 27 years, Best Doctors has defined a market and built a global network to continue the mission of identifying and taking on the most complex, critical and costly cases, wherever they may occur. To date, Best Doctors has completed hundreds of thousands of cases around the world.
23 Why do people turn to Best Doctors? Doubts about recommended surgery 8.70% To have a better understanding of their medical condition Doubts about information received from the specialist Condition not improving 13.78% 16.23% 17.59% Assistance in deciding on treatment options 21.35% Confirmation of diagnosis 22.35%
24 Top reasons people contact Best Doctors Pain Rheumatology Gastroenterology 4.61% 4.60% 6.00% Neurology Oncology 11.70% 12.40% Orthopaedics 19.60%
25 Diagnosis and treatment change DIAGNOSIS CHANGE IRELAND DEC 2016 TREATMENT CHANGE IRELAND DEC 2016
26 How we help our members Change in diagnosis in Change in treatment in 16,6% of cases 35,5% of cases EMEAA Inter Consultation cases until % of users said it was either an important or very important part of their insurance policy 96% of clients intend to tell their family and friends about Best Doctors
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