Home Insurance Ireland – What is covered under the ‘Freezer Contents’ section?

Home Insurance Ireland

What is covered under the ‘freezer contents’ section of a home insurance policy?

Every home insurance policy is different but here are a few examples of wordings:

Wrightway Underwriting Household Policy
Wrightway will pay for Deterioration of food or drink caused by:
* A change in temperature of the freezer or refrigerator in the home.
* Contamination by accidental escape of refrigerant or refrigerant fumes.
* The cost of replacing food and drink unfit for human consumption.

The most they will pay is €400.

Wrightway will not pay for Loss or Damage caused by:
* Deterioration resulting from the deliberate act of the supply authority.
* Any consequence of strikes, labour or political disturbances.

The Excess on the policy is €75.

RSA Insurance Ltd
RSA will pay for Deterioration of food or drink caused by:
* A change in temperature of the freezer or refrigerator in the home.
* Contamination by accidental escape of refrigerant or refrigerant fumes.

RSA will not pay for Loss or Damage caused by:
* Deterioration resulting from the deliberate act of the supply authority.
* Loss or Damage resulting from neglect by your or your household.
* Damage occurring after your home has been unoccupied for more than 45 consecutive days.

RSA will pay for the loss or damage to food which has been removed from the deep freezer.

The Most they will pay is €2000.
The Excess on the policy is €250.

Hibernian Aviva
Hibernian Aviva will pay for Deterioration of food or drink caused by:
* A rise or fall in temperature
* Refrigerant leaking
* Refrigerant fumes.

Hibernian Aviva will not pay for Loss or Damage caused by:
* Any deliberate act or neglect
* An electricity company withholding or restricting the supply
* Labour or political disturbances or strikes.

The most they will pay is €655.
The Excess on the policy is €275.

Benchmark Underwriting
Benchmark will pay for loss or damage to food in your deep freezer and refrigerator caused by:
* Rise or fall in the temperature
* Contamination by refrigeration fumes resulting from –
a) Accidental damage to the appliance
b) Failure of the appliance due to its own defect.

Benchmark will not pay for Loss or Damage caused by:
* Deliberate act by you
* Due to any consequence of strikes, labour or political disturbances.

The most they will pay is €500

The Excess on the policy is €250

Sertus Insurance
Sertus will pay for loss or damage to food in your deep freezer and refrigerator caused by:
* A change in temperature of the freezer or refrigerator in the home.
* Contamination by accidental escape of refrigerant or refrigerant fumes.
* The cost of replacing food and drink unfit for human consumption.

Sertus will not pay for Loss or Damage caused by:
* Where the freezer is greater than 10years old.
* Caused by deterioration resulting from a deliberate act of the supply authority.
* Caused by any consequences of strikes, labour or political disturbances.
* Caused by disconnection due to non-payment of a bill

The most they will pay is €500
The Excess on the policy is €250

Zurich Insurance
Zurich will pay for loss or damage to food in your deep freezer and refrigerator caused by:
* A change in temperature of the freezer or refrigerator in the home
* Contamination by accidental escape of refrigerant or refrigerant fumes.
* The Cost of replacing food and drink unfit for human consumption.

Zurich will not pay for Loss or Damage caused by:
* Deterioration resulting from the deliberate act of the supply authority
* Any consequence of strikes, labour or political disturbances.

Zurich don’t have a limit that they pay out on but they do advise that it has to be within reason.

The Excess on the policy is €250

If you would like a competitive quote for home insurance, log on to www.easyquote.ie and select the home insurance section.

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This document is intended as a guide only. Insurance companies change the terms and conditions of their policy wording on a continual basis. It is imperative that you read the terms and conditions of your policy document.