Landlords Insurance Terms and Conditions

General conditions applicable to the whole policy:

  1. Your responsibilities
    You must co-operate fully with us, the claims administrator and the appointed adviser.
  2. Acceptance of your claim
    We will only pay your claim where it enjoys reasonable prospects and continues to do so throughout the lifetime of the claim. If at any stage the claims administrator consider that your claim does not have reasonable prospects they will give you an explanation of their decision in writing. We will not provide any further cover for your claim. If you disagree with the decision, you can refer the matter to an arbitrator under Section 7.
  3. Professional fees
    We will only pay your claim for professional fees which have been agreed in advance by the claims administrator.
  4. Appointment of professional adviser
    At any time before we agree that legal proceedings need to be issued, the claims administrator will choose a professional adviser to act for you. If Legal Proceedings have been agreed by us, you may nominate your own professional adviser whose name and address you must submit to us. In selecting your professional adviser you shall have regard to the common law duty to minimise the cost for your claim. Any dispute arising from this shall be referred to Arbitration in accordance with the policy conditions.
  5. Investigation and payment of your claim
    We, or our agents, may investigate your claim. In our absolute discretion, we may pay you an amount equal to claims administrator’s estimate of the value of your legal claim, or that made against you, instead of providing cover for your professional fees.
  6. Withdrawing and discontinuing
    If you withdraw from or discontinue (stop) your claim without getting the claims administrator’s permission in writing first then we will not pay professional fees and will be entitled to recover from you any professional fees and payments made or charged before the withdrawal or discontinuance. The claims administrator will not withhold their permission in relation to a withdrawal or discontinuance that a solicitor would recommend to a private client who is paying his or her own fees.
  7. Disputes
    If there is a dispute between You and Us, which is not solved by the policy, either side may refer it to arbitration of an independent arbitrator who will either be a solicitor or barrister, to be agreed by the two sides. If no agreement can be reached the Law Society shall name an arbitrator. The arbitrator’s decision will be final and binding on both sides. The arbitration will be governed by the rules set out in the Arbitration Acts then in force.
  8. Waiver
    If we waive any right or breach of any term of this policy, this will not waive any other right or later breach.
  9. Transferring your rights
    You cannot transfer your rights under this policy. Apart from us, you are the only person who may enforce all or any part of this policy and the rights and interests arising from or connected with it.
  10. The law that applies
    This policy will be governed by the laws of the Republic of Ireland. All Acts of the Oireachtais within the policy shall include amending and substituting legislation.
  11. Dual insurance
    Where any claim covered by this policy is also covered by another policy, or would have been covered by another policy if this policy did not exist, we will only pay our share of the claim even if the other insurer refuses the claim.
  12. VAT
    Where you are registered for VAT, any claims payment made under this policy will be paid net of VAT.

CLAIMS HELPLINE

The Claims Helpline provides advice on the covers described within the what is covered section of the policy.

The Claims Helpline telephone number is Tel: 01 872 0179

Please quote Master Certificate Number ;

We will not accept responsibility if the Claims Helpline services fail for reasons beyond our control.

All potential claims must be reported initially to the Claims Helpline for advice and support.

Failure to contact the Claims Helpline may invalidate any claim you wish to make.

We will not accept responsibility if the helpline services are unavailable for reasons beyond our control.

UK General Insurance Limited is an agent of Great Lakes Insurance SE and in the matters of a claim act on behalf of Great Lakes Insurance SE.


Consumer Protection Code

You must take reasonable care to provide complete and accurate answers to the questions we ask when you take out, make changes to and renew your policy. You must tell us of any changes to the answers you have given as soon as possible. If any information you provide is not complete and accurate, this may mean your policy is invalid and that it does not operate in the event of a claim or we may not pay any claim in full.


CANCELLATION

If you decide that for any reason, this Policy does not meet your insurance needs then please return it to MIS Claims or your Broker within 14 days from the day of purchase or the day on which You receive Your policy documentation, whichever is the later. On the condition that no claims have been made or are pending, we, will then refund your premium in full.

If you wish to cancel Your Policy after 14 days You will be entitled to a pro- rata return of premium.

We shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by giving 14 days notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to you at your last known address. Valid reasons may include but are not limited to:

  • Where we reasonably suspect fraud
  • Non-payment of premium
  • Threatening and abusive behaviour
  • Non-compliance with policy terms and conditions
  • You have not taken reasonable care to provide complete and accurate answers to the questions we ask.

Where our investigations provide evidence of fraud or misrepresentation, we may cancel the policy immediately and backdate the cancellation to the date of the fraud or the date when you provided us with incomplete or inaccurate information, which may result in your policy being cancelled from the date you originally took it out.


If we cancel the policy and/or any additional covers you will receive a refund of any premiums you have paid for the cancelled cover, less a proportionate deduction for the time we have provided cover, unless the reason for cancellation is fraud and/or we are entitled to keep the premium.


COMPLAINTS PROCEDURE

It is the intention to give you the best possible service but if you do have any questions or concerns about this insurance or the handling of a claim you should follow the Complaints Procedure below:

Complaints regarding:

SALE OF THE POLICY

Please contact your agent who arranged the Insurance on your behalf.

If your complaint about the sale of your policy cannot be resolved by the end of the fifth business day, your agent will pass it to:


Customer Relations Department

UK General Insurance Limited

Cast House

Old Mill Business Park

Gibraltar Island Road

Leeds

LS10 1RJ

Tel: 0044 0345 218 2685

(Calls to this number outside the UK may result in an additional fee from your provider)

Email: customerrelations@ukgeneral.co.uk


CLAIMS

Managing Director

MIS Claims

Beechwood House

37 Comber Road

Dundonald

BT16 2AA

UK: 048 9041 0220

ROI : 01 872 0179

E mail: complaints@misclaims.com


In all correspondence please state that your insurance is provided by UK General Insurance Limited and quote scheme reference .

If your complaint about your claim cannot be resolved by the end of the fifth business day, your agent will pass it to:


Customer Relations

UK General Insurance Limited

Cast House

Old Mill Business Park

Gibraltar Island Road

Leeds

LS10 1RJ

Tel: 0044 0345 218 2685

(Calls to this number outside the UK may result in an additional fee from your provider)

Email: customerrelations@ukgeneral.co.uk

If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Services Ombudsman Bureau. This also applies if you are insured in a business capacity and have an annual turnover of less than €2million and fewer than ten staff. You may contact the Financial Services Ombudsman Bureau at:

Financial Services Ombudsman Bureau

3rd Floor, Lincoln House, Lincoln Place, Dublin 2.

Lo Call: 1890 88 20 90

Phone: +353 1 6620899

Fax: +353 1 6620890

Email: enquiries@financialombudsman.ie

The above complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau.


COMPENSATION SCHEME

Great Lakes Reinsurance (UK) SE is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk


DATA PROTECTION ACT 1988 AND 2003

Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Acts 1988 and 2003, and from 25th May 2018 in compliance with the General Data Protection Regulation, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties.

We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area.


Insurance Act 1936 (or future amendments thereto)

All monies which become or may become payable by the Company under this Policy shall in accordance with Section 93 of the Insurance Act 1936 be payable and paid in the Republic of Ireland.


Finance Act 1990 (or future amendments thereto)

The appropriate stamp duty has been or shall be paid in accordance with the provisions of Section 5 of the Stamp Duties Consolidation Act 1999.