Church Shield Summary IN IRELAND
Cotets Itroductio 3 Property damage 4 Loss of icome 7 Moey 8 Theft by officials 9 Liabilities 9 Legal expeses 12 Persoal accidet 13 Geeral iformatio 15 Geeral exclusios ad coditios 15 Fudraisig evets ad special activities 15 Excesses 15 Log term agreemet 15 Paymet by istalmets 15 Makig a claim 15 Complaits procedure 16 The Isurace Compesatio Fud & the Fiacial Services Compesatio Scheme 16 The law applicable 17
CHURCHSHIELD SUMMARY OF COVER 3 This is a summary of the cover provided by the Methodist Isurace plc Church Shield policy. This policy will cover Your buildigs ad pipe orgas Your cotets ad persoal effects Your loss of icome Your moey Your losses followig theft by officials This booklet provides a summary of the mai features provided by our stadard policy. Please ote that this policy summary does ot cotai the full terms ad coditios of this cotract. These ca be foud i the Church Shield isurace policy wordig which is available o request. Your legal liabilities towards employees, authorised voluteers or members of the public followig a accidet Legal expeses isurace, to protect your positio o a rage of legal issues You or your employees or authorised voluteers beig uable to work because of a accidet You ad ayoe travellig o a church tour withi the Republic of Irelad ad the UK
4 SUMMARY OF COVER CHURCHSHIELD Property damage Features ad beefits Sigificat exclusios ad limitatios Uless we agree a more limited arragemet with you, this sectio covers the church buildigs, orga ad cotets agaist a wide rage of isured evets such as fire, malicious persos, accidetal damage, storm, flood ad theft. excludig wet or dry rot. excludig subsidece, heave or ladslip. excludig ay value attached to a item of cotets by reaso of its atiquity. Cotets are covered aywhere i the Republic of Irelad ad UK. s whilst away from the buildigs 25,000 ay oe item ad 50,000 i total for commuio plate. 15,000 ay oe claim for office equipmet. 3,750 ay oe item ad 15,000 i total for musical ad other portable items. Theft (icludes walk-i theft). 40,000 for ay oe item of cotets. 1,500 for cotets i ulocked outbuildigs. Restrictios apply for theft of exteral metal. Please cotact us if you eed further iformatio or check your curret schedule. Sums isured The sums isured will be the most we will pay. For buildigs ad orgas the sum isured should represet a assessmet of the approximate cost, usig moder techiques ad materials of restoratio or repair, or replacig the property with a moder equivalet, ad we will deal with your claim o this basis. The buildig icludes screes, bells, orgas, all paved areas ad stoe ad timber fixtures such as pulpits, pews ad fots. Also, tombs, moumets, memorials or shries withi the buildig. For cotets the sum isured should represet the total replacemet cost without makig ay deductio for wear, tear ad depreciatio (except for persoal effects ad clothig). 37,500 for each tomb, moumet, memorial or shrie withi the buildig.
CHURCHSHIELD SUMMARY OF COVER 5 Special features Features ad beefits Archaeological rescue Covers archaeological costs that may follow a isured evet eg the aalysis by the coservatio bodies of the origial fabric of the buildig should it become exposed by the damage. Costs must be ecessarily ad reasoably icurred as part of the repair, with our prior agreemet. Sigificat exclusios ad limitatios We will pay for these costs as far as the sum isured will allow, plus a additioal amout of 250,000 ay oe claim. excludig aalysis of udamaged portios. excludig ay below-groud excavatios. Plaig ad Developmet Act 2000 Provides for the costs of meetig coditios made by your local authority uder this legislatio, after a isured evet. 20% of the buildigs sum isured. The requiremets of the plaig authorities caot be predicted with certaity. The costs we will pay are i additio to ay cover that ca be provided withi the scope of the buildigs sum isured. Property i the ope This icludes moumets that are your property, garde fixtures, exteral lightig ad security equipmet, plus law mowig equipmet whilst i use. 7,500 ay oe claim. Whe lawmowers (other tha large chai mowers) are ot i use they must be cotaied i a locked outbuildig.
6 SUMMARY OF COVER CHURCHSHIELD Features ad beefits Clothig ad persoal effects of employees ad voluteers whilst egaged o church busiess or activities. Sigificat exclusios ad limitatios s 1,500 per perso. 320 per perso for moey. Church tours Cover for persoal effects ad moey for ayoe travellig o a church tour withi the Republic of Irelad ad UK for a period of up to 17 days. s 650 for persoal belogigs. 320 for moey. Doated goods Aywhere i the Republic of Irelad ad UK. s 2,250 ay oe item ad 7,500 ay oe fud-raisig evet. Exhibitio property ad marquees Cover for marquees ad other items ot belogig to you but for which you are resposible. s 3,750 ay oe item ad 15,000 ay oe exhibitio, festival or evet. Headstoes ad moumets if ot your property, but withi your premises or churchyard. Covers the cost of makig them safe followig the evets you have isured agaist uder the Property damage sectio eg storm or malicious damage. You must seek to recover your outlay from the owers of the property, i the first istace. s 7,500 ay oe period of isurace. Bequeathed property s 375,000 for bequeathed buildigs. 7,500 for ay other bequeathed item.
CHURCHSHIELD SUMMARY OF COVER 7 Loss of icome Features ad beefits Covers losses of icome that arise whe the premises are closed for repairs, followig damage isured uder the Property damage sectio. Cover is provided for a period of 36 moths. Sigificat exclusios ad limitatios 10% of the sum isured for buildigs orgas ad cotets. For example, you may lose icome from service collectios, or you may be uable to hire out the premises to other orgaisatios. I additio, cover is provided for costs you icur i resumig ormal church activities such as the cost of hirig alterative premises or equipmet. Special features Features ad beefits Archaeological digs We will pay the additioal amout if a loss uder this sectio is icreased followig archaeological discoveries. Sigificat exclusios ad limitatios Overall, the sum isured will apply. Other veues Covers your lost icome or icreased costs if damage occurs at aother veue where you are holdig a fud raisig evet, exhibitio or church activity. 15,000 ay oe claim. Church evets Covers loss of icome if a church evet is cacelled. excludig cacellatio due to weather coditios or lack of support. 1,300 ay oe claim.
8 SUMMARY OF COVER CHURCHSHIELD Moey Features ad beefits For o-egotiable moey eg crossed cheques ad postal orders. Sigificat exclusios ad limitatios s 375,000 ay oe loss. Loss of moey i trasit or i a bak ight safe. s 7,500 ay oe loss. Loss of moey while beig couted or i the home of a church official. s 7,500 ay oe loss. Loss of moey from a locked safe o the premises. Ay other loss. s 750. Special features Features ad beefits Sigificat exclusios ad limitatios Church festivals or fetes All the above limits (except o-egotiable moey) are doubled for the period from two days before to seve days after a church festival or fete. Damage to clothig ad persoal effects Of employees or officials as a result of theft of moey. 1,500 per perso.
CHURCHSHIELD SUMMARY OF COVER 9 Theft by officials Features ad beefits Provides cover for loss of moey caused by theft ad also ay auditors fees icurred with our writte coset. Sigificat exclusios ad limitatios 15,000 ay oe claim. Liabilities Features ad beefits Employers liability Covers your legal liability for accidets or illess to employees, icludig authorised voluteers, sustaied i the course of their employmet. Sigificat exclusios ad limitatios s 13,000,000 ay oe evet. Icludig legal costs ad expeses. Public ad products liability Covers the legal liability of the policyholder for accidetal bodily ijury to persos other tha employees, or for damage to their property. Icludes liability i coectio with buildigs temporarily occupied by you for a special occasio, evet or activity. s The stadard idemity limit is 6,500,000. We ca cosider requests for alterative limits. Legal costs ad expeses are payable i additio. Optios If you require a quotatio for this optio you will be asked to complete a appropriate applicatio form. Professioal cousellig services carried out by accredited cousellors whilst workig for ad uder the authority of the Church Coucil.
10 SUMMARY OF COVER CHURCHSHIELD Special features Features ad beefits Sigificat exclusios ad limitatios Pastoral care idemity For your liabilities arisig from the provisio of pastoral care to idividuals seekig the help of the Church. Cover applies to claims first made agaist you durig the period of isurace i respect of (a) ijury or damage to property, or (b) pecuiary losses where the claim does ot ivolve a ijury or damage to property (a) 6,500,000 ay oe period of isurace. (b) 150,000 ay oe period of isurace. Iclusive of all legal costs ad expeses. Errors ad omissios i providig services ad facilities Covers claims first made agaist you durig the period of isurace i respect of errors or omissios i providig services ad facilities. For example, the double bookig of weddig ceremoies. 150,000 ay oe period of isurace. Iclusive of all legal costs ad expeses. Idepedet examiatio of your accouts Covers your appoited idepedet examier for claims first made agaist him or her durig the period of isurace for errors or omissios i the examiatio of your accouts. The cover is for ay idepedet examiers, ot for registered auditors udertakig a audit of church accouts. 37,500 ay oe period of isurace. Iclusive of all legal costs ad expeses. Libel ad slader Covers claims first made agaist you durig the period of isurace i respect of libel ad slader eg arisig from publicatios such as the parish magazie. 375,000 ay oe period of isurace. Iclusive of legal costs ad expeses. excludig wilful or deliberate libel or slader.
CHURCHSHIELD SUMMARY OF COVER 11 Features ad beefits Motor cotiget liability Covers your legal liability followig accidets caused by the use of motor vehicles withi the Republic of Irelad ad UK which are ot your property, ad are ot provided by you but which are beig used by a employee i coectio with your church busiess. If you are ivolved i the use of trucks or tractors to tow trailers i ay parade, street etertaimet or similar social or fud-raisig activity, motor isurace arragemets must be made. You should obtai writte cofirmatio that the appropriate motor isurace cover is i force. Sigificat exclusios ad limitatios The idemity limit for public ad products liability will apply. Excludes damage to the vehicle itself ad ay property beig carried o it. Church trustee idemity This extesio is oly i force if you are permitted to effect this type of cover. The extesio covers claims first made agaist you durig the period of isurace i respect of wrogful acts committed by trustees. 150,000 ay oe period of isurace. Iclusive of legal costs ad expeses. excludig wilful or deliberate acts. It also covers you if a church related documet is lost or damaged; it will meet legal liability resultig from such loss ad the costs of restorig or replacig the documet. Hirers idemity Provides liability cover for persos or orgaisatios who hire your church for occasioal social evets o ot more tha three occasios a year per hirer. Cover is o a cotiget basis ie it oly applies with your agreemet ad provided that o other isurace is i force. The idemity limit is 2,500,000. Legal costs ad expeses are payable i additio.
12 SUMMARY OF COVER CHURCHSHIELD Legal expeses Note: to esure a expert service the cover uder this sectio is arraged by us i cojuctio with DAS Legal Expeses Isurace Compay ed (DAS). Features ad beefits Sigificat exclusios ad limitatios Legal expeses cover for a rage of legal issues specified i the policy up to the limit of idemity stated i the schedule for legal costs ad expeses icludig solicitors' ad barristers' fees, court costs, expeses for expert witesses, attedace expeses accoutats' fees ad employmet compesatio awards (the latter are further limited to a aggregate limit i total for all such awards i ay period of isurace as stated i the schedule or policy wordig). You must let DAS kow about ay problems straight away or they may ot provide cover if you have tried to deal with matters o your ow. Problems must relate to your busiess activities i order for cover to apply. Ay claims where you are bakrupt or become bakrupt at the start or durig a claim are excluded. Except i certai circumstaces, as specified i the policy wordig, cover is subject to a "reasoable prospects of success" clause. "Reasoable prospects" is a 51% or greater chace of success, as assessed by a law firm or tax expert chose by DAS. I certai circumstaces, you may be free to appoit your ow legal represetative, who will be subject to the DAS stadard terms of appoitmet, icludig a hourly rate of 150 per hour. Ay costs that fall outside the stadard terms will ot be paid by us. Value-added services: Commercial legal advice helplie. Health ad medical iformatio services. Cousellig helplie for the proprietor, employees ad their immediate family members. Employmet Maual - offerig olie employmet guidace.
CHURCHSHIELD SUMMARY OF COVER 13 Persoal accidet Features ad beefits The stadard policy provides beefit paymets followig accidetal ijury to, or death of: employees, authorised voluteers or youths whilst egaged i church busiess or church activities. Sigificat exclusios ad limitatios excludig isured persos over the age of 80. excludig certai hazardous sports or activities. Ask us if you are i ay doubt about a activity ad we will advise you if the persoal accidet cover is affected. Beefits 16-80 Uder 16 Death 15,000 7,500 Loss of oe or both eyes or oe or more limbs 15,000 15,000 Permaet total disability 15,000 15,000 Temporary total disability 150 per week 15 per week
14 SUMMARY OF COVER CHURCHSHIELD Special features Features ad beefits Medical expeses (icludig detal ad surgical expeses) For medical expeses paid alogside a death or disablemet claim we have accepted uder this sectio. Also, for medical expeses paid if ay member of the clergy, employee or voluteer is assaulted whilst o your busiess. This icludes ay ijury, whether or ot a death or disablemet beefit is payable. Sigificat exclusios ad limitatios 2,500 per perso. 7,500 per perso. Clothig ad persoal effects If damaged i coectio with a ijury claim accepted uder this sectio. 1,000 per perso. Group travel Cover for orgaised outigs or holidays away from the church premises. For trips of up to 17 days that take place withi the Republic of Irelad ad UK. We ca arrage cover for foreig trips if requested. Loss of deposits / cacellatio. 650 per perso. Medical expeses. 650 per perso. Hospital beefit. 20 per day maximum of 400. Persoal accidet. Death - 15,000 ( 7,500 for uder 16 s). Loss of limb(s) - 15,000. Loss of eye(s) - 15,000. Permaet total disablemet - 15,000.
CHURCHSHIELD SUMMARY OF COVER 15 Geeral iformatio Geeral exclusios ad coditios Excesses excludig war ad similar risks excludig terrorism except where cover is specifically provided excludig computer date-recogitio problems, computer viruses ad hackig For claims uder the Property damage, Loss of icome, Moey ad Theft by officials sectios you will be resposible for the first amout of the claim ie the excess. The stadard excess is 60. You ca obtai a discout i premium for icreased excesses. You must tell us if the premises become uoccupied Some sectios provide for property away from the premises. Where this is the case if property is left i a uatteded vehicle it must be hidde from view ad the vehicle must be fully secured. Fudraisig evets ad special activities Please tell us i advace if you are cosiderig ay activities of a potetially hazardous ature such as clay pigeo shoots, firework displays, rock climbig or abseilig. We will the cofirm the isurace positio, particularly i relatio to public liability issues. Prior to eterig ito ay hirig agreemet please sed us a copy so that we ca check for oerous terms such as makig the hirer resposible for all damage, however caused. More detailed iformatio about evets ad hirig agreemets ca be foud i our guidace otes ad fact sheets which are available from your Isurace Cosultat ad Surveyor or o our website: www.methodistisurace.co.uk Log term agreemet You ca choose to eter ito a agreemet to cotiue the isurace with us for a period of five cosecutive years i exchage for a 25% discout from the aual premium. If you withdraw from the agreemet early we will be etitled to charge you a withdrawal fee which ca be up to 12.5% of the aual premium payable. Paymet by istalmets If you wish, your premium ca be paid by mothly istalmets for a additioal charge. Please request a Spreadig the cost of isurace leaflet for further details. Makig a claim If you eed to report a claim you ca call us o 0044 161 833 9696 24 hours a day 7 days a week email: methodistsclaims@micmail.com For legal expeses claims If you wish to report a ew legal expeses claim please call DAS Legal Expeses Isurace Compay ed 1850 670 747
16 SUMMARY OF COVER CHURCHSHIELD Complaits procedure If you are uhappy with our products or service, please cotact us as soo as possible. You ca complai i writig or verbally at ay time to: For all complaits other tha Legal expeses complaits Methodist Isurace plc St A's House, St A's Place, Machester, M2 7LP Uited Kigdom Tel: 0044 161 833 9696 Email: equiries@micmail.com For Legal expeses complaits DAS Legal Expeses Isurace Compay ed Europa House, Harcourt Cetre, Harcourt Street, Dubli 2, D02 WR20 Tel: 01 670 7470 Email: customerrelatios@das.ie Our promise to you We will aim to resolve your complait withi oe busiess day. To resolve your complait we will: Ivestigate your complait diligetly ad impartially. Keep you iformed of the progress of the ivestigatio. For more complex issues, we may eed a little loger to ivestigate ad we may ask you for further iformatio to help us reach a decisio. Respod i writig to your complait as soo as possible. If you are ot satisfied with our respose, or if we have ot completed our ivestigatio withi eight weeks, we will iform you of your right to take the complait to: The Fiacial Services & Pesios Ombudsma Licol House, Licol Place, Dubli 2, D02 VH29 Tel: 01 567 7000 Email: ifo@fspo.ie Website: www.fspo.ie The Fiacial Services & Pesios Ombudsma ca ivestigate complaits from all customers, except limited compaies which have a turover of 3m ad above. This complaits hadlig procedure does ot affect your right to take legal proceedigs. The Isurace Compesatio Fud & the Fiacial Services Compesatio Scheme (FSCS) Irish residet policyholders of Methodist Isurace plc may be i a positio to claim from either the Isurace Compesatio Fud or the FSCS. Brief details of each of these is outlied below: The Isurace Compesatio Fud This was established uder the Isurace Act 1964 ameded by the Isurace (Amedmet) Act 2011. The fud is desiged to facilitate paymets to policyholders i relatio to risks i Irelad where a Irish-authorised o-life isurer or a o-life isurer authorised i aother EU Member State goes ito liquidatio or admiistratio. Not all policyholder liabilities are covered by the fud. A sum due to a commercial policyholder may ot be paid out of the fud uless the sum is due i respect of the liability to a idividual. For further iformatio o the scheme you ca visit the Cetral Bak website at www.cetralbak.ie
CHURCHSHIELD SUMMARY OF COVER 17 The Fiacial Services Compesatio Scheme This scheme was set up uder the terms of the Uited Kigdom Fiacial Services ad Markets Act 2000. It exteds to iclude policies issued by the Republic of Irelad braches of Uited Kigdom isurers, provided they are authorised by the PRA. The Fiacial Services Compesatio Scheme (FSCS) is a idepedet body, set up by the UK Govermet, which may be able to compesate you i the ulikely evet we are uable to meet our obligatios to you. Some restrictios apply to the FSCS ad further iformatio is available from their website; www.fscs.org.uk or by writig to: Fiacial Services Compesatio Scheme 10th Floor Beaufort House, 15 St Botolph Street, Lodo, EC3A 7QU Tel: 0044 207 741 4100 Fax: 0044 207 741 4101 Email: equiries@fscs.org.uk The law applicable This policy shall be govered by ad costrued i accordace with the law of the Republic of Irelad
18 SUMMARY OF COVER CHURCHSHIELD Notes
CHURCHSHIELD SUMMARY OF COVER 19 This cotract is uderwritte by: Methodist Isurace plc. Our FCA register umber is 136423. Our permitted busiess is geeral isurace. You ca check this o the FCA s register by visitig the FCA s website www.fca.org.uk/register or by cotactig the FCA o 0044 207 066 1000
If you would like this booklet i large prit, braille, o audio tape or computer disc please call us o 0044 161 833 9696. You ca also tell us if you would like to always receive literature i aother format. Methodist Isurace plc, St A s House, St A s Place, Machester M2 7LP Tel: 0044 161 833 9696 www.methodistisurace.co.uk email: equiries@micmail.com Methodist Isurace PLC Reg. No. 6369. 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 POD983/3/1018