COVID-19

Insurance and Finance Providers – Important Information / Forbearances etc.

Please note:

The following is intended as an information guide only and is a compilation of insurance provider statements and advisories relating to various matters connected with COVID-19. In all cases cover is subject to policy Terms and Conditions. Please refer to policy documentation therefore and contact us should you need clarification on any matter.

In the event that you do not see your insurance provider listed below please contact Hastings Insurance Brokers for information.

Click on your insurer below to get more information:

AIG Europe SA

At 26/03/2020:

“As the COVID-19 pandemic continues to evolve, AIG remains focused on protecting the health and safety of our colleagues and those around us, as well as continuing to serve clients, policyholders, business partners and other stakeholders

AIG is open for business. The company has activated its Business Continuity Plans and colleagues across our General Insurance business remain available to help meet the needs of clients and other business partners with both in-force and new business. Our call centers also remain accessible to provide support and information.

Helping individuals, businesses and communities prepare for times of uncertainty is at the heart of what we do. We are closely monitoring this evolving situation and will continue to provide updates.

Here is an update on the actions we have taken to continue to provide our clients, partners & policyholders with the excellent service and support that defines our company:

  • We have activated work from home strategies where feasible to protect the health and safety of our colleagues while ensuring continuity of client services.
  • Our underwriting risk framework remains in effect and our underwriting capacity is fully available to meet our clients and distribution partners’ demands.
  • Our call centers are open and providing our clients, partners and policyholders with support and information in response to questions about covered claims related to COVID-19, including guidance on actual and potential losses that may be covered under our policies.
  • To address the unprecedented call volume in certain lines of business, such as Travel, we have and will continue to add capacity to support your needs.   
  • AIG’s guiding principle is that we will continue to honor the terms and conditions of our insurance policies.

AIG understands that this is a difficult time for many of our personal and business insurance customers and we are committed and dedicated to addressing your questions and concerns during this unprecedented time. As such, we have implemented a number of measures which include:

For SME Business Customers

Working from Home

Remote working and Working from Home has become a feature of the Covid-19 crisis. This can increase accidents in an environment where company risk management procedures are absent. AIG waives its standard conditions regarding working from home for the duration of the crisis.

Property Insurance

Many businesses are closed due to Covid-19 and are not trading. These properties can pose an increased insurance risk, in particular an increased fire risk and burglary risk. Also when manufacturing process is being restarted, exposure can be increased. We are asking all clients to discuss their exposures with their brokers and AIG contacts. AIG’s view is we will look at these risks on a case by case basis to see what measures are in place regarding protections and security. We will make every effort to maintain cover at existing levels. 

Business Interruption

In relation to Business Interruption cover, standard business insurance policies are designed and priced to cover business interruption risks resulting from an insured physical damage to insured Property. Those are typically Fire, Explosion, Machinery Breakdown, Natural Catastrophe scenarios. AIG’s policies are not designed to cover Business Interruption from closure by authorities resulting from a non-physical damage event such as Covid-19. Some AIG policies might provide some exceptional and specific non-standard cover extension, where Covid-19 occurs in an insured location and the location is closed by an authorized Government Agency. Businesses should check the scope of their particular cover with their broker and AIG contact.

Renewals

For Commercial Combined policies – where wages and turnover are required for premium calculations for SME’s that are impacted by the Covid-19 outbreak and Government restrictions, we will be flexible on providing a return premium or credit in response to reduced exposure. Please contact your insurance broker and AIG contact. 

Cancellations

Subject to no claims and or notifications in the current period of insurance, we will allow a pro-rata return premium on cancelled SME policies.

Group Travel Policies

Corporates and associations typically buy travel insurance from AIG for their employees/members through brokers. Please contact your broker is you have questions on the scope of the cover under these policies.

Even when circumstances create challenges, our commitment and dedication to you remain the same.

Thank you for your business and continued support.

See latest https://www.travelguardworldwide.com/news/coronavirus


Allianz plc

At 23/04/20

“Allianz are offering flexibility for your SME Retail, Office & Property owners customers

We understand that this is a difficult trading time for many of our mutual retail customers. Due to the variance of approaches taken by businesses at this time, we are not introducing a single solution for customers. Please be assured that we will be flexible in our approach where requests are made to reflect the current situation. We would however stress the importance of the customers retaining cover unless the business has officially ceased trading.

Alternative options are as follows:

  1. Suspension of liability cover can be facilitated where a business is fully closed. Due to the uncertainty of the closure period suspension rebates will be payable at the end of the suspension period. However, it is important that business owners understand the exposure they face in terms of public liability, even where the business may be closed and in the event of selecting the suspension option, that no cover will be operative for those sections for the duration of the suspension period.
  2. Mid-term revised turnover projections, taking account of an interruption period (of 1–2 months depending on prevailing circumstances) due to closure, can be facilitated for clients who are less than 10 months into their current renewal period.
  3. Clients with policies falling for renewal during April/May can allow for an interruption period (of 1–2 months depending on prevailing circumstances) in their projections for the forthcoming renewal period.

Please contact our Underwriters by email to decide what the most appropriate course of action to take may be.

To further assist,

  • We have extended cover on all restaurant / cafe policies to include take away services for the duration of the Covid-19 closure period. Please note this cover is provided on the basis that all reasonable precautions are taken and the HSE Guidelines regarding Covid-19 are adhered to.
  • We are also automatically extending cover on supermarkets and newsagents to include delivery for the duration of the Covid-19 crisis period. This is to facilitate the delivery of groceries etc. to customers who may not be able to make it to the store. Please note drivers must have their own insurance. Similar to restaurants / cafes this cover is provided on the basis that all reasonable precautions are taken and the HSE Guidelines regarding Covid-19 are adhered to.”

At 01/04/20:

“To support Business Customers:

We know that business customers are experiencing financial challenges. We will help these customers by:

  • Café and restaurants: In response to the Government’s announcement that all restaurants and cafes must close unless they can offer a takeaway option, we are extending our cover to allow this. For the duration of the COVID-19 closure period all restaurant and café policies will now include cover for takeaway services at no additional cost. This cover is provided under the basis that all reasonable precautions are taken and the HSE guidelines regarding COVID-19 are adhered to.
  • Supermarkets and Newsagents: we are extending cover on Supermarkets and Newsagents to include delivery for the duration of the COVID-19 crisis period. This is to facilitate the delivery of groceries or other necessary products to customers who may not be able to make it to the store. This cover is provided on the basis that all reasonable precautions are taken, employees have their own car insurance and that the HSE guidelines regarding COVID-19 are adhered to.
  • CRVT: We understand that customers are unable to undertake CRVT tests due to the Government restrictions at this time; and so we would like to reassure our customers that commercial insurance cover will continue to be provided and maintained during this time.
  • Customers in financial distress: For those customers on an Allianz instalment plan who find themselves in financial difficulty we would ask that they contact our Instalment Billing team on 01-6133909 and we will do our utmost to assist them. We are amending the wording of our default letters to reflect the current situation and encouraging customers to contact us.
For individual Customers:

We are extending features of our car and home insurance products as follows:

  • Owner Occupied Home / Family Homes: The period of time after which we may exclude certain covers of your home insurance due to the property being unoccupied has been extended from 35 days to 60 days. This means if you are unable to check on your home, full cover will apply for 60 days, at which point cover will be reduced as per the standard terms and conditions if the property remains unoccupied. This will take effect from 27th March onwards.
  • Holiday Homes / Buy-to-Let: Similarly, if you have a Holiday Home the requirement for the property to be checked once every 30 days will be extended so that the property must be checked once every 60 days during this time. For a Buy-to-Let property that is unoccupied, the same extension from 35 days to 60 days applies.
  • NCT tests: We understand that customers are unable to undertake NCT tests due to the Government restrictions at this time and so we would like to reassure our existing and new customers that car insurance cover will continue to be provided and maintained during this time.
  • No cancellation fees: This will apply to any customer during the COVID-19 Government restrictions; where their circumstances require them to cancel their insurance policy. For our retail broker customers, we are working with our third party software providers to implement this measure also as soon as possible.

As well as this, we have been working hard to ensure that our customer service lines, customer claims lines, 24/7 emergency assistance, and claims payments can be managed safely by our dedicated team of over 600 people here in Ireland and in line with the cover provided in our policies. To help you get in touch with the right person, we have created the attached contact sheet providing you with direct access to our teams.

In relation to any business interruption claims resulting directly from the COVID-19 closure period, we will continue to assess each case in line with the terms, conditions and extensions of the Business Interruption Section and the policy. It is important to note that terms, conditions and extensions can differ across our products and claims will be assessed based on the contract applicable for a specific client.

I will be in touch soon with additional measures we will implement to help you and our customers through these uncertain times.”

At 03/04/20:

“In addition to the suite of measures we communicated to you earlier this week, below are some guidelines specifically relating to Motor Fleet, Commercial and Social Liability, suspension of cover and cancellation requests.

At Allianz we know there is no “one size fits all approach”, so we will consider each situation on a case by case basis to see how we can help. This situation continues to challenge us all and we remain open minded to discussing approaches to find the most suitable way forward for our customers by working together with you our broker partners.

Motor Fleet Flexibility – refunds for vehicles no longer in use

Allianz will adopt a flexible approach and allow refunds for fleet customers whose vehicles are no longer in use during the Covid-19 restrictions.

All you need to do is provide our underwriters with a full list of the vehicles, confirming which of the vehicles are currently not in use.

Commercial Liability – Further consideration for adjustable policies

We will be flexible taking into consideration the reduced turnover & wageroll activity experienced by customers arising from Covid-19 restrictions; for Liability policyholders including those incorporating a Liability section within a Commercial Package policy.

Adjustable policies due for renewal through the Covid-19 emergency period
  • Projections provided should take account of the impact of the Covid-19 emergency period and a period of recovery thereafter.
  • Allianz will indicate renewal terms on the projections provided in the normal manner with the usual Deposit Premium (100%). Given the uncertainty for business owners over the coming months, we will apply Minimum premiums of 85% of the Deposit premium.
Adjustable policies currently in mid-term ( i.e. have been renewed )
  • These will be adjusted at end of current insurance period in the normal manner upon receipt of the declared level of activity.
  • Should the prevailing policy minimum premium work to the disadvantage of the Insured, the minimum premium will be reduced proportionately by the period of the Covid-19 stoppage.
Social Liability – a credit for those who have temporarily closed their premises

For annual Social policies we will allow a credit for the Covid-19 period of inactivity in respect of the subsequent period of insurance where the policy is renewed. Otherwise existing policy terms and conditions apply.

Suspension of Cover – ensure customers are aware of any legal liabilities

Allianz strongly advises all its clients to maintain their key legal liability insurance cover through the period of the Covid-19 emergency. By doing this, they ensure any legal liability exposure which may arise, even when their business is closed, is fully protected.

Where a client has been fully informed of the risk they are undertaking but despite this wishes to suspend the Liability element of their policy then, please contact our underwriters.

Cancellation – advise customers to consider alternative options but flexibility will be applied

Policy cancellation should be viewed as a last resort. When assisting a client through these challenging times, they may not be aware of all the risks they’re exposed to. For example, trespassers to their property, some employees may be working from home either by agreement or otherwise presents either an EL or PL exposure, Products supplied in the past have been or are now coming into use and occurrences of injury or damage post cancellation may not be indemnified etc.

Our cancellation policy does not normally allow for rebates in respect of mid term cancellation instructions. We will relax our approach to refunds on Liability policies or sections and offer a return premium subject to the remaining period of insurance & a minimum threshold.

Cancellation refunds in respect of Property Policies or Property Sections of package policies will be on a pro-rata basis and in line with our current practice.

Note:

As Employers Liability insurance is a compulsory class in Northern Ireland, care should be taken not to cancel such policies during the Covid-19 crisis period.

Repurposing premises for Covid-19 – we will try to support where possible

We have already supported the repurposing of numerous facilities to enable them to help during the Covid-19 crisis.

If your Client has been approached to have all or part of their premises re-purposed for Covid-19 activities, please contact our underwriters who will be happy to help and review on a case by case basis.

We do recommend your client obtains appropriate legal and professional advice to ensure their interests are protected during the period of engagement.

Statutory Engineering Inspections – don’t worry, cover remains in place

In order to support the efforts of responding to the Covid-19 emergency we have prioritised the inspections for businesses in the Healthcare, Medical and Food chain supply sectors.

We would like to reassure Allianz customers that cover will remain in place even if the statutory inspections are not up to date in line with legal requirements. However, where defects in plant, equipment or machinery are known to the Insured that pose potential for injury or damage to third parties Allianz expects that such plant, equipment or machinery are taken out of use until such defects are adequately dealt with.

We are absolutely committed to continuing to support our customers and our country through this current crisis. Our focus is to provide you with our continued service whether it is new business, renewal or claims related queries at this time.

We would encourage you to contact members of our underwriting, sales or claims team for any support you might need.”

At 24/03/20

ALLIANZ IRELAND ANNOUNCES 14 SUPPORT MEASURES FOR YOUR CUSTOMERS

Dear Broker,

On behalf of Allianz I hope that you, your family and loved ones are keeping well during these unprecedented times.

We will be communicating the following messages to a wider audience throughout the day but we wanted to notify you firstly. 

ALLIANZ IRELAND ANNOUNCES 14 SUPPORT MEASURES FOR YOUR CUSTOMERS
  • Volunteers supporting the national emergency effort will receive  extended vehicle cover automatically
  • Cover enhanced under all home insurance policies to facilitate home working
  • Automatic extension of ‘days grace’ at renewal to 28 days to allow more time for personal customers to be able to contact you
  • Maintaining existing cover on premises during business closure – businesses are advised to contact their brokers for further information
  • Taking action to ensure we support customers and brokers as widely, fairly and as speedily as possible across the Republic of Ireland and Northern Ireland
  • Further updates in the coming days

At Allianz Ireland we recognise that these are uncertain times for people right across the Island of Ireland and further afield.  Like many other businesses, we have been doing all that we can to support the fight against the spread of COVID-19.

Our focus has been to put in place equitable and actionable measures to support the wider economy.  Over the past week we have taken actions to ensure that our customer service lines, customer claims lines, 24/7 emergency assistance, and claims payments can be managed safely by our dedicated team of over 600 people here in Ireland and in line with the cover provided in our policies.

We’ve been working hard to put in place additional actions to support all of our customers as fairly as we can during this time.  We intend doing more in the coming days and will share these announcements via Broker Communications and Salesforce.com; and via our website allianzbroker.com.

Today, we want to share details of some of the immediate measures that Allianz Ireland has put in place for your customers so that we can play our part in helping throughout this national and international emergency.

For Retail Customers: We are extending features of our car and home insurance products as follows:

  1. Allianz policy covers remain fully active throughout this crisis – except where customers request and we agree to a reduction or suspension of cover;
  2. For those customers who are vulnerable and / or in financial distress, we will continue to do our best to support them fairly and flexibly;
  3. We’ve increased the ‘days grace’ period for customers at renewal from 14 to 28 days to allow further time to contact their broker;
  4. We have also increased ‘days  grace’ period for Mid Term Adjustments from 5 to 28 days;
  5. Allianz customers can add temporary additional drivers for up to 60 days (previously 30) for free;
  6. Our Home emergency assistance and roadside assistance services continue to be available 24/7;
  7. For our customers who have commenced working from home or remotely, enhanced and increased home office equipment cover is now provided under all of our household policies;
Extra support for the community and those on the frontline

In addition, we are also supporting those customers directly involved in fighting COVID-19.  These extra measures include:

  1. Car Cover for Volunteers: Car insurance use is extended beyond normal personal use for customers helping within their community for voluntary purposes; e.g. to transport medicines or groceries to those in need, or to take those that may be ill or vulnerable to hospital or testing facilities;
  2. For frontline workers using their own car for work purposes, they’re also fully covered per their policy terms when borrowing another car in an emergency or to get to work and breakdown assistance will automatically be extended when they need it during the crisis;
Measures to support Business Customers:

We know that business customers are experiencing financial challenges and we will help your customers by:

  1. Providing you with flexibility to help alleviate stress and worry;
  2. Alternative Use Cover: We continue to support the repurposing of facilities, to enable their use for testing and caring for those in need of medical attention;
  3. Business Property Cover – closures: We will maintain existing cover on business premises throughout this crisis closure period.  Appropriate supervision and security of the property is required throughout with further guidance to follow;
  4. Commercial vehicle and taxi insurance use is extended whilst helping within the community for voluntary purposes e.g. to transport medicines or groceries to those that may be ill or vulnerable;
  5. We continue to evaluate additional supports for customers throughout this crisis period. 

“We have supported our customers for over 100 years and through many crises,” said Sean McGrath, CEO of Allianz Ireland. “These measures are the first in a series from us and will show our commitment to helping our customers, whether they are personal or business and show our commitment to the Irish people in very uncertain times.”

Take care and thanks for your continuing support.”


Arachas Corporate Brokers Ltd. t/a Capital Insurance Markets, Capital IM, Covercentre

(at 02/06/20)

Dear Broker

We hope that you are keeping well.

We are continuing to remain in constant contact with our insurers to try to limit, as much as possible, the restrictions and disruption potentially faced by your clients. We have recently received a second update from our Insurers in respect of policies held by ERGO Versicherung AG Dusseldorf.

“Our underwriting team have reached the decision with immediate effect that if a business is closed as a result of the COVID-19 situation, coverage afforded by the policy will continue to operate as if the business were continuing to trade from the premises.

We are providing this amendment to cover up to and including the 30th June 2020. Thereafter, we reserve our rights to rely upon the original policy wording although we will notify you in advance of our intentions beyond this period.

For unoccupied risks we are agreeing to suspend premises inspection conditions if the inspection(s) cannot be carried out due to government restrictions on the movement of people.’

The wording below will attach to all renewals:

It is noted and agreed that cover under this Certificate/Policy will remain unaltered up to and including the 30th June 2020 (provided this Certificate/Policy has not expired) if the Premises become Unoccupied because of the COVID-19 situation.

Thereafter if the Premises remains Unoccupied, the original Certificate/Policy wording will apply unless specifically agreed in writing by Us. If it is a condition of this Certificate/Policy that the Buildings must be regularly inspected, We agree that the condition is suspended if the inspection(s) cannot be carried out due to government restrictions on the movement of people.”

Please continue to contact us here at Capital Insurance Markets if you have any queries on individual policies, we would be happy to chat with you.

Kind Regards,

The Capital Insurance Markets Team


Aviva Insurance Ireland dac

(at 25/05/20)

Commercial (Non-Motor) Renewals Flexibility

We offered renewals at expiry rates for April, May and June and are now extending this offer on renewals at expiry rate for July renewals, with the exception of a very small number of cases where significant remediation is required. In addition, here is a reminder of the options we are offering where the premium is calculated on projections recognising that many businesses will see a considerable reduction in their exposures (e.g. wages, turnover, vehicle numbers) during this crisis. 1. Accept revised exposure declarations pre renewal or 2. Recalculate renewal terms on revised projections when the crisis period ends and allow credits against next renewal or 3. Allow premium returns based on revised declarations at the end of the insurance period.

Commercial Premises Closure and Temporary Closure

Existing cover will continue to apply in respect of Material Damage / Business Interruption up to and including the 30 June 2020, without the need to notify us that the Insured Premises is closed and temporarily unoccupied due to the Covid-19 outbreak. Customers should advise us if the premises are unoccupied at their earliest opportunity. Customers should endeavour where practical and safe to inspect their premises on a weekly basis and address any issues of concern. The following risk protections should apply as a minimum:

  • All fire protection, detection, and security systems to remain active and monitored remotely where possible.
  • All external doors and windows to be closed and securely locked.
  • All internal and external combustible waste should be removed from the premises.

Premium Instalments

Aviva will continue to assist customers during this difficult time and will work with customers on a case by case basis. Where customers are unable to pay their monthly instalment premium, we will extend the collection period on those cases by 30 days up to 15 June 2020 and will review as the current situation continues

Laid-up Vehicles – Commercial Motor

During this challenging time Aviva are here to support you and your customers. We have agreed to suspend cover on vehicles that are off the road and will not be used or driven in any way and are retained by the Policyholder from the official Covid-19 Lockdown date of 27 March. To suspend cover:

Policyholders will need to let you (their Broker) know as soon as they take a vehicle off the road.

  • They should send an email confirmation of the specific registration number(s) of the vehicle(s), confirming they will not be used/driven and are retained by the policyholder.
  • You, the Broker should let us know by email at the time the vehicle(s) will not be used/driven and are off the road.
  • If you have not already done so, please let us know of any vehicle/s suspended on or after 27 March, please arrange to send us details immediately to include evidence that the customer has requested this suspension, including the suspension date.
  • It is important that they do this right away, as we will not be able to address this retrospectively at the time of their policy renewal, as part of the year end declaration.
  • As businesses reopened from the 18 May, it is important that the Policyholder advise you when they plan to use the vehicle(s) again, and that you notify Aviva immediately. We will confirm to you once the cover is reinstated and cover will only be activated again once we confirm such cover.

Aviva Driving School

Following the Government’s announcement of the five-phase reopening plan, the Road Safety Authority (RSA) are seeking clarification as to when driver tuition and testing can resume. Until we have a definitive date, we are unable to provide driving lessons.

We have written to Aviva Driving School pupils who are currently availing of the Accompanied Driver Cover to advise the following:

  • We will extend their free accompanied driver insurance cover until 31 December 2020, on request by the policyholder. However, this free accompanied driver cover is only available to those pupils who already had this free cover activated for them to drive on a policy as at 13 March 2020 and had not completed all their driving lessons at that time.
  • To secure this extended cover, the policyholder will need to contact their broker, following which the broker should contact Aviva’s National Personal Lines @pi.ireland@aviva.com.
  • The extension of insurance cover up to 31 December 2020 is subject to the insured’s motor policy remaining with Aviva Insurance Ireland up to that date and terms and conditions.

(at 26/03/20)

Firstly, we hope that you and your loved ones are well as you navigate through the many challenges that Covid-19 has brought to you and your customers.  We in Aviva appreciate that this is an incredibly difficult time for families and businesses. We are here and committed to supporting you through this.

Last week we advised you on the details of our interim renewal process and promised to keep you updated on a regular basis. We are pleased to now respond to your feedback and queries and attach a second update on the service initiatives that we are introducing immediately.  

Additional measures to support your customers

We realise the immense pressure that businesses are facing at present, as they attempt to deal with the impact of Covid-19, and we have taken a number of additional measures to support you and your customers, which include the following:

  • Flexibility on commercial renewals for April, May and June renewals.
  • Extensions on Monthly Premium Instalments providing a 30-day extension period to April 30th for those who are unable to pay their monthly instalment premium. 
  • No need to notify us that an insured premises is temporarily unoccupied due to Covid-19 closure.
  • Providing rebates of any premiums that are due on cancellation of policies.
  • Working from home cover extensions.
Extra help for HSE and Healthcare workers

In recognition of the enormous pressure being placed on those working in the HSE, Aviva are supporting our HSE workers who are keeping us safe during the Covid-19 crisis. 

  • We’ll help to keep HSE workers on the road when they’re working and travelling to/from work.
  • We’re prioritising HSE worker claims. 
  • We’re protecting their belongings, so they don’t need to worry if they’re lost or stolen. 

Measures include:

  • Free courtesy car provided to any HSE & Healthcare workers with an Aviva motor policy if their car is involved in an accident. A courtesy car will be provided until the car is repaired. 
  • Priority repairs – claims for HSE & Healthcare workers will be prioritised. 
  • Full protected NCD for HSE & Healthcare staff who have an accident while working/commuting. 
  • Priority service for all HSE & Healthcare workers for duration Covid-19 crisis.

See attached for further details

At Aviva, we have robust and tested business continuity plans in place and over the last few weeks, we have made detailed preparations for a number of specific Covid-19 scenarios. A significant number of our colleagues are working remotely, with small numbers working at our four office locations who remain supported and protected on-site. 

Our priority remains the safety and welfare of our colleagues, customers and suppliers and the delivery of an efficient service to you.

These are challenging times for all but we will continue to support you in any way we can. We will closely monitor the guidelines and advice from the Irish Government and the HSE and will keep you informed of any new developments.

Thank you for your continued understanding and support and please stay safe.

(Position at 30/03/20 unless otherwise stated)

“Extra help for HSE and Healthcare workers

In recognition of the enormous pressure being placed on those working in the HSE, Aviva are supporting our HSE workers who are keeping us safe during the Covid-19 crisis. 

  • We’ll help to keep HSE workers on the road when they’re working and travelling to/from work.
  • We’re prioritising HSE worker claims. 
  • We’re protecting their belongings, so they don’t need to worry if they’re lost or stolen. 

Measures include:

  • Free courtesy car provided to any HSE & Healthcare workers with an Aviva motor policy if their car is involved in an accident. A courtesy car will be provided until the car is repaired. 
  • Priority repairs – claims for HSE & Healthcare workers will be prioritised. 
  • Full protected NCD for HSE & Healthcare staff who have an accident while working/commuting. 
  • Priority service for all HSE & Healthcare workers for duration Covid-19 crisis.”
“Commercial Renewals Flexibility (up to 30/05/2020)

We appreciate the difficulty that our customers may have in providing projections over the coming months. We will offer renewal at expiry rates on all April, May and June renewals, with the exception of a very small number of cases where significant remediation is required. In addition, recognising that many businesses will see a considerable reduction in their exposures (e.g. wages, turnover, vehicle numbers) during this crisis, where premium is calculated on projections, and at the customers choosing, we will offer a choice of the following options:

  1. Accept revised exposure declarations pre renewal or
  2. Recalculate renewal terms on revised projections when the crisis period ends and allow credits against next renewal. or
  3. Allow premium returns based on revised declarations at the end of the insurance period.”
“Premium Instalments

Aviva will assist customers during this difficult time and will work with customers on a case by case basis. Where customers are unable to pay their monthly instalment premium, we will extend the collection period on those cases by a further 30 days. We will provide this commitment up to 30th April 2020 but will be continuously reviewing as the current situation develops thereafter.”

(Update on 14/04/20 as follows)

“We will continue to work with customers on a case by case basis. Where customers are unable to pay their monthly instalment, we are extending our facility for a further 30-day period, up to and including the 15th May 2020.”

“Commercial Premises Closure and Temporary Closure:

Existing cover will continue to apply in respect of Material Damage / Business Interruption up to and including 30th of April 2020, without the need to notify us that the Insured Premises is closed and temporarily unoccupied due to the Covid-19 outbreak. Customers should continue to advise us if the premises are unoccupied at their earliest opportunity. Customers should endeavour where practical and safe to inspect their premises on a weekly basis and address any issues of concern. The following risk protections should apply as a minimum: – • All fire protection, detection, and security systems to remain active and monitored remotely where possible. • All external doors and windows to be closed and securely locked. • All internal and external combustible waste should be removed from the premises. You can also download our Loss Prevention Standard Guide for Covid-19 here to provide some general guidance and practical steps which you can share with your clients to help plan and mitigate the threat and spread of Covid-19.”

Commercial Premises Closure and Temporary Closure:

(Update on 14/04/20 as follows)

“Existing cover continues to apply in respect of Material Damage / Business Interruption up to and including 30th of April 2020, without the need to notify us that the Insured Premises is closed and temporarily unoccupied due to the Covid-19 outbreak.

We confirm that we are extending this period up to and including 30th of June 2020. Customers should continue to advise us if the premises are unoccupied at their earliest opportunity and should endeavour, where practical and safe, to inspect their premises on a weekly basis and address any issues of concern.”

“Commercial Policy Cancellation:

Aviva will continue to honour existing policy terms and conditions. Where a policy is cancelled, we will allow for rebates of premiums where such a rebate is due to the customer.”

“Minimum & Deposit Endorsements:

In relation to policies with Minimum and Deposit clauses, we will review these on a case by case basis and, where appropriate, will not insist on minimum and deposit premiums where exposures reduce during the crisis period. We will keep this under review as the situation develops.”

“Home working – Home Insurance:

We continue to provide working from home cover – including all home business equipment as standard up to contents sum insured, to customers when they work from home.”


AXA Insurance dac

(at 08/06/20)

Message from AXA – COVID 19 Customer Refunds.

Dear Broker,

The ongoing Covid 19 crisis has presented a lot of challenges for everyone both on a professional and personal level.

As you are aware, AXA has committed to making a once-off payment to our motor customers in the Republic of Ireland to support our mutual customers through this difficult time. Restricted travel arrangements during Covid 19 crisis has resulted in a significant reduction in vehicle journeys and based on our review has improved our claims experience during this period.

AXA will be passing on the benefit of this experience in the form of a €30 payment to all our Private Motor, Motorcycle, Light Commercial Vehicle and Taxi customers.

We will not be adding work to your business and are organising for this once off payment to be made directly to your customer by cheque during June. In addition, AXA will not be making any commission clawback relating to this payment. Further FAQs relating to the motor payment are listed on our dedicated COVID-19 page for brokers, simply Ctrl and Click on the link in blue.

AXA has implemented a significant number of initiatives to date to support our mutual customers with this payment being the latest. I will continue to update you with future developments in AXA in relation to COVID-19 and any further support measures we put in place.

In the meantime, we hope you stay safe in these most challenging of times and want to sincerely thank you for your continued support.

On 27/04/20 AXA advised having created a central information repository – see https://www.axa.ie/broker/covid19/

(at 05/04/20)

“For Commercial Customers
  • Our Employers and Public Liability Covers will extend to provide indemnity under the terms of the Policy for clerical employees working at home
  • We will provide cover under the material damage policy sections for damage to Employers office equipment used in employees dwellings to facilitate home working (without any inner sum insured limits)
  • We will not insist on return of Certificates and Discs where we are asked to suspend covers
  • In addition to personal car and Taxi customers, we will provide Van customers with a free extension of cover for volunteers supporting the national emergency effort and for delivery of food and essential items to the elderly or vulnerable in our communities.
  • Due to Government restrictions CVRT tests are not being carried out at this time. For the duration of closure of the test centres we can confirm that insurance cover will continue to be provided and maintained during this time. If however a vehicle failed a NCT test prior to the current closure due to a major fault, this needs to be referred to us for consideration. 
  • Many restaurants and cafes are providing a takeaway service. We are extending our covers for restaurants and cafes to allow for this at no additional premium. This is on the basis that all reasonable precautions are taken and the HSE guidelines regarding COVID-19 are complied with.”

(at 14/04/20)

“Un-Occupancy of Premises

With a large proportion of buildings and operations currently closed due to the impact of Covid-19, we wish to clarify how our policies will respond to the temporary un-occupancy of premises. 

Our standard business policy wordings include conditions or exclusions relating to empty, unoccupied or partly unoccupied premises which reduce covers and/or impose conditions on the policyholder. 

However, for any of our customers where these conditions should now apply because of current Government restrictions in place to fight the COVID-19 pandemic, we can advise full cover will remain in place. We would however expect the following risk management measures to be in place as a minimum;

1.  In respect of empty building(s) or empty portions of building(s), you must ensure that the building(s) are inspected internally and externally at least once a week by you or on your behalf
2.  All refuse and waste materials are removed from the interior of the building(s) and removed from the premises
3.  You will secure the premises and put all protective, locking devices and any alarm protection in effective operation
4.  Gas, water and electricity services (except electricity or water supply required to maintain any fire or intruder alarm protections) and any fuel supplies are permanently shut off at the switch or stopcock where they enter the building(s) (or in the case of individual flats or portions of a building, where they enter the flat or empty part of the building

Where adherence to the above risk management measures cannot be complied with because of restrictions on movement imposed by the Government, AXA will not require compliance with same. However, we will expect appropriate steps to be taken at first available opportunity.

This agreement will remain in place until current government restrictions are lifted & a further communication will be issued to all brokers when it is changing & policies will be reverting to standard terms and conditions.

If during the Covid-19 outbreak, your premises is repurposed for different activities please contact AXA or your broker to discuss – AXA will try to support this if possible

Risk Management

We also wish to provide our business customers with risk management advice for the Covid-19 closure period.   It is understood that Public Authority Covid-19 restrictions will curtail the implementation of some actions at present.   However, the following actions are best practice to minimise the likelihood of damage to temporarily unoccupied premises:

  • Ensure that all internal fire doors are closed
  • Check that your fire alarm and all fire detection systems are fully operational
  • Remove from the premises all pallets and external waste and empty all skips 
  • Drain or remove all flammable, combustible or hazardous liquids and materials and dispose of or store safely for re-use as appropriate
  • Ensure that any sprinkler systems are fully operational
  • Ensure intruder alarm is fully operational and set
  • Ensure perimeter fences are in good repair, windows are locked and boarded if necessary, shutters are in place where required, gates and doors are locked, and letter boxes secured shut
  • Remove any valuable stock from shop front displays unless secured by internal or external roller shutters
  • Have keyholders in place to respond to an alarm activation
  • Ensure all equipment is turned off and stored such that it will not be damaged or degraded during the closure period”
AXA Updates – Premium Instalments

“To respond to the financial situation many of your Customers may currently encounter as a result of the COVID-19 crisis, we have deployed our teams in AXA Broker to facilitate customers who may have difficulty making payments under AXA premium instalment arrangements.  Our teams will deal with customers on a case by case basis and accepting partial payments where possible.”

(The following applies to bus & coach operators placed with AXA via Willis Towers Watson Insurances (Ireland) Ltd.)

(at 15/03/20)

“Suspension Credit

The current policy doesn’t cater for suspension credits as we have always rated Bus & Coach on the basis we know work can be seasonal however we are in unusual circumstances and with that in mind we will temporarily agree to take instructions to suspend cover as follows :

  • Email confirming Reg. Number/s of all vehicles where cover is to be suspended must be sent to the Asgard team who will issue an updated schedule confirming these vehicles are now excluded under the declaration.
  • Suspension must be for a minimum period of 28 days.
  • Fire & Theft cover will remain in place during the suspension ( subject to Accumulation Endorsement )
  • At renewal a return of 75% of the pro-rata period (25% retained for Fire & Theft cover) of suspension will be calculated as part of any year end adjustment and any return due will be allowed off the Renewal premium for the next renewal period .
  • When the Insured wishes to unsuspend cover an email requesting cover must be sent to the Asgard Team who will confirm when cover has been reinstated.
Accumulation Endorsement

As Bus & Coach Operators suspend cover it is important you highlight to them any Accumulation Endorsement wording as all Bus & Coach vehicles off the road must be parked in accordance with the conditions outlined in the endorsement for indemnity to be provided in the event of a Fire claim. The majority of Bus & Coach risks now have an Accumulation Endorsement in place.

If for some reason the Insured can’t park as per the conditions outlined in the endorsement it is important you review this with them to put forward an updated proposal which we can then review but we will have to continue to manage our Fire exposure particularly on high value fleets. The current wording on each policy applies unless an updated wording is approved.

Rate Increases

The Bus & Coach scheme has not performed well in 2018 and 2019 is worse mainly due to large losses and we had started to apply 20% minimum rate increases on all policies. Due to current circumstances rather than apply a blanket rate increase across all policies we will review each risk on a case by case basis concentrating rate increases to the following areas:

  • Cases with poor claims experience
  • Those involved in PST (Public Service Transport)
  • High Value Fleets
  • Risks where vehicle rate is very low compared to standard rates
Finance Arrangement

As we are not involved In the finance contract arrangement I would suggest you / The Insured contacts the Finance company in the event the Insured can’t make their repayments and look to agree a revised payment plan. I would imagine they will have many clients in similar circumstances and will be monitoring this .”


Chubb European Group SE

“Premises operating on a limited basis, temporarily closed or experiencing a change of use as a result of COVID-19
  • We will provide continuity of cover for up to 60 consecutive days from the date of closure for any insured premises that is temporarily closed or operating on a limited basis due to COVID-19 restrictions as a result of the Government guidance. There is no need for immediate notification from the insured in these circumstances for continuity of cover.
  • If any insured location is requisitioned or the insured volunteers the premises for alternative use during the COVID-19 situation, then a change of use should be notified to your Chubb Underwriter.
  • The insured should:
  1. Follow our Risk Engineering guidelines. Download them below.
  1. Continue to take appropriate steps to mitigate the risk of damage whilst the premises are impacted. Should this prove impracticable please, contact your Chubb Underwriter.
  2. Comply with any policy conditions to the best of their ability and to the extent this is practicable.
  • Vacancy beyond 60 days requires notification from the insured and the ongoing approach will be assessed by the underwriter on a case by case basis.
  • Large and multinational clients might necessitate a more specific and tailored response. These should be referred to your Chubb Underwriter.

For more information, please contact your Chubb Underwriter.”


Citynet Insurance Brokers Ltd

(JRP Bulletin 6th July 2020)

Cover for businesses and premises that continue to be unoccupied after 31st July 2020, due to lockdown, staff furloughing or working from home as a result of Covid-19.

The continued temporary closure of many businesses due to the Covid-19 lockdown has significantly increased the number of unoccupied businesses and buildings. These buildings have a higher risk of damage/loss from various causes, such as water damage, arson and theft, than when occupied.

Our standard commercial policy defines unoccupied when the premises are closed for business for a period in excess of 7 consecutive days or when the premises (or part thereof) are untenanted and/or not resided in excess of 21 consecutive days for our property owners policy.

In response to the current situation, we have supported all existing customers who had to close their businesses due to the Covid-19 lockdown, by extending the unoccupancy definition until the 31st July 2020

As lockdown restrictions begin to ease and economic and social activity increase, we are further updating our approach to the unoccupancy conditions.

Premises that are compulsorily closed

Firstly, we would like to assure all existing customers whose businesses remain compulsorily closed due to the lockdown (those who must remain closed under the Health Protection (Coronavirus Restrictions) Regulations as appropriate for England/Scotland/Wales/Northern Ireland), that we have extended the unoccupancy definition up to and including the 31st July 2020.

Businesses where the insured has chosen not to reopen the premises

For businesses where closure is not mandated, but the business remains closed beyond the 31st July 2020 then the risk MUST be referred to JRP.

For the avoidance of doubt, businesses and premises that are mainly occupied (50% or more of the building or site) or partially open (for example a restaurant providing a takeaway service, or premises that are occupied one or two days per week), will not be regarded as empty/unoccupied.

We will treat each case individually depending upon the future intentions for the business/premise however it is likely that our standard unoccupancy condition PO32 or CP32 as detailed below will apply.

Unoccupancy Restricted Perils

When any Building(s) (or part thereof) are Unoccupied:

  1. Cover under this Certificate will be restricted to the Defined Perils of fire, lightning, aircraft and explosion.
  2. You must comply with the requirements a) – i) below otherwise all Damage arising from or caused by the Defined Perils of fire and explosion will be excluded.

You must ensure that;

a) all gas, water and electricity mains supplies are kept disconnected (except those supplies required to maintain automatic sprinkler installations, lighting or alarm systems which are to remain in operation for security or fire protection purposes)

b) all water tanks, apparatus, pipes and heating (except those required to maintain fully functional automatic sprinkler systems) are drained down

c) The following minimum protections are in operation:
1) all doors and windows are securely locked and fastened
2) any letter boxes are sealed
3) all security and alarm protections are set in full operation and are in proper working order

d)
1) When the Premises first become Unoccupied You or Your nominee must carry out a detailed inspection of all doors, windows and other access points to ensure that they are secure against unauthorised entry and document both the inspection and any action required.
2) Thereafter, You or Your nominee must inspect the Premises every seven days, keeping a written record noting any damage or breaches in security. If measures taken to prevent further damage or breaches in security have proved inadequate, improvements must be made and documented.
3) If unauthorised entry or attempt thereat is detected more than three times in any one Period of Insurance, immediate notice must be given to Underwriters 

e) all loose or moveable combustible items or materials other than fixtures and fittings are at all times removed from the Buildings and cleared from the Premises

f) all waste or refuse is removed from the Buildings and cleared at least once a week from the Premises

g) tanks containing fuel or other flammable liquids are drained and purged within 7 days of the Buildings becoming Unoccupied

h) the Buildings are inspected at least once every 7 days by You or Your nominee in order to inspect the Premises both internally and externally and to carry out any work necessary to maintain the above security arrangements. A record will be kept of such inspections

i) immediate notice is to be given by You to Underwriters when any untenanted or Unoccupied Buildings (or part thereof) is again occupied.

“JRP Bulletin 12th May 2020

We have promised to keep our approach to underwriting under constant review as social and economic situations continue to develop.

Our underwriting team have reached the decision that with immediate effect that if a business is closed as a result of the COVID-19 situation coverage afforded by the policy will continue to operate as if the business were continuing to trade from the premises.

This provision will not apply to new business risks quoted/incepted after the outbreak with specific coverage restrictions applied.

We are providing this amendment to cover up to and including the 30th June 2020 thereafter we reserve our rights to rely upon the original policy wording although we will notify you well in advance of our intentions beyond this period.

For unoccupied risks we are agreeing to suspend premises inspection conditions if the inspection(s) cannot be carried out due to government restrictions in the movement of people.

We do not expect you to endorse every policy (other than renewals) but you may wish to convey our position by email to your Broker/Insured.

Our underwriting team remain available to look at individual risks where you want us to consider specific cover or variations.

We would remind you that new 2020 wordings are now published on our website and were included in our previous bulletin.

The endorsements below should be attached to all renewals:

All Wordings:

It is noted and agreed that cover under this Certificate/Policy will remain unaltered up to and including the 30th June 2020 (provided this Certificate/Policy has not expired) if the Premises become Unoccupied as a result of the COVID-19 situation.

Thereafter if the Premises remain Unoccupied the original Certificate/Policy wording will apply unless specifically agreed in writing by Us.

If it is a condition of this Certificate/Policy that the Buildings must be regularly inspected We agree that the condition is suspended in the event that the inspection(s) cannot be carried out due to government restrictions in the movement of people.

Bespoke Wordings

Please ensure that the above endorsement is appropriate for your wording.”

“JRP Bulletin 1st April 2020

We have promised to keep our approach to underwriting under constant review as social and economic situations continue to develop.

Our underwriting team have reached the decision that with immediate effect that if a business is closed as a result of the COVID-19 situation coverage afforded by the policy will continue to operate as if the business were continuing to trade from the premises.

This provision will not apply to new business risks quoted/incepted after the outbreak with specific coverage restrictions applied.

We are providing this amendment to cover up to and including the 31st May 2020 thereafter we reserve our rights to rely upon the original policy wording although we will notify you well in advance of our intentions beyond this period.

For unoccupied risks we are agreeing to suspend premises inspection conditions if the inspection(s) cannot be carried out due to government restrictions in the movement of people.

We do not expect you to endorse every policy (other than renewals) but you may wish to convey our position by email to your Broker/Insured.

Our underwriting team remain available to look at individual risks where you want us to consider specific cover or variations.

We would remind you that new 2020 wordings are now published on our website and were included in our previous bulletin.

The endorsements below should be attached to all renewals:

All Wordings:

It is noted and agreed that cover under this Certificate/Policy will remain unaltered up to and including the 31st May 2020 (provided this Certificate/Policy has not expired) if the Premises become Unoccupied as a result of the COVID-19 situation.

Thereafter if the Premises remain Unoccupied the original Certificate/Policy wording will apply unless specifically agreed in writing by Us.

If it is a condition of this Certificate/Policy that the Buildings must be regularly inspected We agree that the condition is suspended in the event that the inspection(s) cannot be carried out due to government restrictions in the movement of people.

Bespoke Wordings

Please ensure that the above endorsement is appropriate for your wording.” 


Close Brothers Ltd. t/a Close Bros Premium Finance Ireland

The following is provided by Close Bros Premium Finance Ireland.

Customers – https://www.closebrotherspf.ie/coronavirus-roi/customers
Brokers – https://www.closebrotherspf.ie/coronavirus-roi/brokers


Contessa Ltd

(At 31/03/20)

“It has been agreed with Insurers if a property is now closed and unoccupied due to the Government request to combat Covid-19, Contessa will allow full cover on such premises for 90 days until the 15th of June.

We will reassess the situation at the beginning of June.

We ask that you advise Clients to:

  • be vigilant to potential issues or intruders
  • visit the premises on a regular basis, at least once per week
  • turn off any utilities that are not required
  • make sure protections remain in place e.g. Alarms
  • remove any items of significant value.”

Dolmen Insurance Brokers Ltd.

(at 16/04/2020)

(Applicable to policies where insurer is China Taiping Insurance (UK) Ltd.)

“NOTICE TO POLICYHOLDERS WHOSE BUSINESS PREMISES ARE CLOSED BECAUSE OF THE GOVERNMENT LOCKDOWN

Dear Agent:

The following Notice has been issued by China Taiping Insurance (UK) Ltd.

In this period of unprecedented business closures required by the Government (“Lockdown”) to counter the spread of the Covid-19 pandemic; we appreciate that your Business may be required to suspend normal operations for now and the immediate short term.

When this means there is no one working at the premises in accordance with your normal trading hours, then there is a risk that, your business premises would be considered to have reached a stage of “unoccupancy” in accordance with the terms of your policy. This has implications for policy cover, for example by the exclusion of cover for damage caused by Malicious Persons, Theft and Escape of Water; within a relatively limited period of up to 30 days

Under normal circumstances, you are required to notify us as your insurer of the premises moving into a state of “unoccupancy” and we then have the option to further amend or restrict cover depending on the circumstances.

However, this “Lockdown” is unprecedented and therefore requires an alternative approach given the challenging circumstances we all find ourselves in. Accordingly, we are writing to advise you that we are making the following alterations to your policy in order to provide more appropriate protection to your business, in the event that your business operations from the premises are temporarily suspended because of the “Lockdown”.

Provided you comply with the undernoted conditions, we will not deem any of your premises that are not being attended in accordance with your normal business operations, as being “Unoccupied”, until a period of either 60 days from the date of the Government “Lockdown” or earlier if the “Lockdown” is lifted before then.

We will keep this under review in view of the continually developing situation; but unless the “Lockdown” is lifted before the 22 May 2020, your premises will continue to be considered as “occupied” and cover provided accordingly; subject to you complying with the following:-

  • all locks and other security devices and protections be put into effective operation;
  • all combustible waste materials and perishable food and drink to be removed from the premises
  • the premises must be inspected at least once every week, if you can and where this is feasible during “Lockdown”, by the Insured and a record of all such visits shall be maintained and available for inspection if required. Any breach in security or other problems or defects discovered, must be rectified as soon as possible.

NB: If because of the restrictions in movement or to maintain the safety of individuals (e.g. by avoiding travelling on public transport) this is not possible, we will accept an inspections on a fortnightly basis

If you are unable to comply with any of the above, then please notify us, via your insurance agents accordingly and we will review your case individually.

Furthermore, if as a consequence of the lockdown, your and /or your employees, are working from home and have moved some of your business equipment to your private residence; provided your policy provides cover for your business contents, then these will be deemed to be covered whilst at home up to a maximum amount of €2,500 per home, subject to a maximum amount of €1,250 in respect of any item of equipment.

Your Employers’ and Public Liability cover will also extend to cover these operations. However, please be aware that any work undertaken at home may impact on your Homme insurance and you should check with your home insurance provider.”


Ecclesiastical Insurance Office plc

Covid 19 Temporary Cover Enhancements to our policies

In light of current uncertainty caused by the outbreak of COVID-19 we understand that there will inevitably be an impact on your insurance needs. Please see below the automatic enhancements we are applying with immediate effect to all policies during this period to try to provide additional peace of mind. 

  • There will be no additional premiums for these enhancements
  • These enhancements will automatically apply until 30/6/20. 
  • We will review the position again prior to 1/6/20 and will extend for a further period if we deem appropriate
  • These enhancements will be applied via this Letter of Intent and will apply as if endorsed onto each policy
Employees working from home

As standard most of our policies extend contents cover to include cover whilst away from the premises and / or specifically at the homes of employees.  Where your policy does not already include this cover, the following cover is added:

Contents at Employees’ homes

Where your policy does not already provide such cover, your policy is extended to provide cover for contents temporarily removed to the homes of employees due to the Covid 19 outbreak up to a limit of;                                                            

  • €2,500 any one item 
  • A maximum of € 5,000 any one employee’s home. 

For Education insurance policies this extension will additionally extend cover to pupils & students homes

Liability – health and safety

Resources for employers are signposted by the Health and Safety Authority on their website. As organisations look to different working models for continuity, they also have useful guidance on homeworking and working alone.  

Subject to the terms and conditions of the policy, both Employers’ and Public Liability policies provide an indemnity to the policyholder if they are held legally liable for accidental bodily injury or illness arising in connection with their business.

Premises that are temporarily closed solely due to the Covid 19 outbreak

(This does not apply to premises that

  • were unoccupied before the outbreak or 
  • that close down permanently 

which will be deemed Unoccupied as defined in the policy and be subject to the normal unoccupied premises terms and conditions as set out in your policy)

Buildings that are temporarily closed / no longer in regular use are exposed to different and usually greater risk than occupied premises and premises that are open for regular trading.

Our standard policies define “unoccupied” premises and apply standard restrictions in cover and conditions precedent to cover that need to be complied with. Normally a higher premium is charged on unoccupied premises.

To ensure customers are not unduly penalised for temporary closures solely due to the Covid 19 outbreak the following applies to affected premises:

  • Unoccupied premises cover restrictions will not apply to Temporarily Closed premises
  • Temporarily Closed premises will benefit from
    • no reduction in the level of policy cover
    • no increase in excesses
    • no increases in premium 

Provided the Insured complies with the following condition which details appropriate risk management practices (and is less stringent than the unoccupied premises condition).

Temporarily Closed Premises Condition

Temporarily Closed means premises temporarily closed solely due to the Covid 19 outbreak (and such premises will not be regarded as unoccupied as defined in the Policy). 

In respect of Temporarily Closed premises the following risk management measures should be implemented as far as is possible:

(1) where there will be no need to re-enter the premises during the period of temporary closure you must turn off electricity gas and water supplies at the mains (and where reasonable to do so drain down water systems) other than those services required to maintain 

  • critical business infrastructure required to allow the continuance of the organisations operations and support temporary home working arrangements
  • intruder alarms
  • fire alarms 
  • sprinkler installations
  • other fire suppression security or other risk protection systems or devices

(2) you must maintain in full and efficient working order and keep operational all 

  • alarms 
  • sprinkler installations
  • fire suppression systems 
  • locks and all other protective and security devices including gates and other perimeter security protection at the premises

(3) where water systems have not been drained down and / or where there is a sprinkler installation you must maintain the central heating system to prevent freezing and   

  • i. the sprinkler system should be inspected to ensure it is operating correctly whenever such buildings are inspected
  • ii. the temperature throughout the building must be maintained at not less than 7 degrees Centigrade (45 degrees Fahrenheit)
  • iii.there annual servicing and maintenance is due the sprinkler system must be serviced and maintained by an appropriately qualified engineer as soon as circumstances permit

(4) you must 

  • i. remove all internal waste and 
  • ii.position all external bins as at least 5 metres from the buildings (or otherwise as far as possible where this is not possible) and secure the bins in position where this is possible

(5) Provided any travel required to carry out an inspection is in line with the latest government advice you must undertake an internal and external inspection of such buildings at least every 7 days and

  • i.  rectify as soon as is reasonably possible any damage to or defects in the fabric of the building or any protective or security devices or installations 
  • ii. maintain a record of inspections including the remedy of any defects
  • iii.remove accumulations of post from the letterbox during each inspection and take any other action to ensure the premises cannot be easily identified as unused or closed down 

Where government travel advice does not allow the necessary travel to complete an inspection the need for an inspection is deferred until travel restrictions are lifted to a level that allows inspections to re-commence 

(6) you must put in place contingency plans in case the primary person(s) carrying out weekly inspections or responding to alarm activations need to self isolate or are ill so that weekly inspections and alarm activation responses can be maintained by another appointed person

(7) you must tell us as soon as you become aware of any illegal entry to the premises whether or not any damage has occurred

(8) you must review and update your risk assessment (including the fire risk assessment) of such buildings to reflect the temporary change in risk

Unless otherwise agreed or varied by us in writing.

Outstanding Risk Improvements, periodic conditions & maintenance conditions

Any policy term that requires regular maintenance, inspection or where we have specified completion of a risk improvement by a specified deadline that cannot be fully complied with or fully completed solely due to the Covid 19 outbreak causing travel restrictions or the lack of availability of contractors will be held in automatic abeyance until;

  • the expiry of the current outbreak or 
  • the availability of contractors or
  • the date the temporary cover enhancement expire 

whichever is the sooner provided all reasonable steps have been attempted to comply with the policy terms or complete risk improvements in part or in whole given the circumstances at the time.

All other policy terms, conditions and exception are unchanged. 

We hope that this provides the reassurance you need. If this action is insufficient to meet your insurance needs or if you are unsure about any other insurance issues, please speak to your broker or insurance adviser (Direct customers should use their usual contact points)”


Joseph G. Brady Insurance Ltd. t/a Brady Underwriting

(The following applies where the insurer is Allianz Global Corporate & Specialty)

“ALLIANZ AGCS

UNOCCUPANCY CONDITIONS

Whilst Government Restrictions are in force, we have agreed that the Unoccupancy Condition will not apply under Allianz AGCS policies.

The insured is required to comply with all reasonable precautions and ensure security measures are put into operation whilst the premises is not open.

REDUCED EXPOSURE

Whilst our liability policies are minimum and deposit, there may be circumstances where declaration based policies can be adjusted due to your clients reduced activity. If your client is facing issues surrounding a temporary closure or reduced exposure please contact us as in certain circumstances the policy will be adjusted.

SUSPENSION / CREDITS at RENEWAL

Re Social, Community & Sports Clubs

We will allow credits at renewal for those who have temporarily closed their premises subject to a max of 3 months (equivalent to 25% of premium paid) and subject to the risk being claims free and on case by case basis. Otherwise existing policy terms and conditions apply.

(The following applies where the insurer is AXIS Europe SE)

“Axis Europe SE – Re All Business Protect Policies

UNOCCUPANCY CONDITIONS

For premises which are unoccupied, only because of government advised or enforced actions regarding control of the Covid 19 (coronavirus) outbreak, the following applies:

  1. Policyholders do not need to notify us of properties becoming unoccupied for this reason.
  2. Cover continues for the first 90 days of unoccupancy for the following insured events and extension:
  • Fire
  • Riot, civil commotion, strikers, locked-out workers or persons taking part in labour disturbances.
  • Malicious persons
  • Theft or attempted theft
  • Accidental damage
  • The extension for Accidental Damage To Underground Services and Accidental Breakage Of Aerials And Sanitary Fixtures And Fittings.
  1. Cover continues for the first 90 days of unoccupancy for the insured events of ‘Bursting or overflowing of water tanks, apparatus or pipes‘ and ‘Water discharged or leaking from the automatic sprinkler installation‘ .

Provided that during the period of 1st November to 1st April inclusive, either:

(i) the mains water supply is disconnected and all pipes and tanks drained; OR

(ii) the central heating is maintained in a fully functional state and set to operate at a minimum temperature of 15° Celsius and with any loft hatch or other access to loft space remaining open;

Where inspections of the property are prohibited directly or by effect of instruction or advice of government or other public authority, Insurers will not consider this as adversely affecting their position”


FBD Insurance plc

(at 30/03/2020)

“FBD supporting our 500,000 policy holders through challenging times

FBD remains open for business during this difficult time. We understand the challenges faced by our brokers, customers and their businesses.  We want to help you through these exceptional circumstances. If you have customers experiencing difficulties or who have queries or concerns, please contact us to discuss.

We are currently offering these support measures to new and existing customers at this time:

Car and Home Customers

  • Volunteer driving associated with COVID-19 is covered on all FBD private car policies under social, domestic and pleasure use
  • Customers working from home are covered for the loss or damage of owned office equipment used for work purposes up to a limit of €3,800
  • No administration or cancellation fees will apply for any motor or home customer for the duration of COVID-19
  • Customers unable to complete Medical, NCT or DOE tests will not be restricted from renewing or taking out insurance at this time.  We will need these documents once this event is over
  • In the event of Direct Debit defaults during COVID-19, we will work closely with customers to ensure continuation of cover where possible
  • Cancelled policies will not incur any fees or charges.  We will offer a pro-rata refund for the remainder of the term. Certain exceptions to this may apply e.g. where there is an ongoing related claim

Business Customers   

  • Business customers who temporarily closed in response to COVID-19 will be offered a refund for the relevant portion of premium relating to business closure. Please Email our Broker Underwriting Team as soon as you become aware that your FBD client has closed for business.
  • Protection and cover has been extended for unoccupied commercial buildings and businesses in response to COVID-19 for up to 90 days.” 
  • Business customers may be experiencing financial challenges regarding Premium Payment. Brokers should contact halpin@fbd.ie  We are committed to helping our customers through this difficult time.

Meanwhile, I hope you, your families and colleagues remain safe and well through this very difficult period.”

At 20/03/2020

Covid-19 Policy update

1)      Policy Cover

FBD’s insurance policies do not cover pandemics.  FBD provides business interruption for normally expected interruptions that might impact a business in its day to day operations.  However FBD is a local Irish insurer and we want to support all of our customers. We will do our best to stand with local businesses in a sustainable way for all customers and our own business during this very difficult time.

2)      Business support

Please note the below which was posted on FBD.ie today:

COVID-19 Notice to FBD Business customers

For those businesses who have decided to close in response to social distancing measures, we advise you to discuss your revised insurance requirements as soon as possible with us.

If you are currently making the decision to close, please contact your local branch or broker who will talk to you about your circumstances at this difficult time

3)      Options for Businesses

  1. a)We recommend that cover remains in place where exposures to the business remain, for example Property cover and Property Owners Liability.

As per the normal process, customers do have the option to change their covers or cancel their policy.

  1. b FBD is providing a “suspension of cover” option for Business Interruption, Public Liability & Employers Liability covers.
  2. The initial step is to capture the insureds instruction to close and temporarily cease trading.
  3. Refunds will be issued to customers on re-opening of the business once the period of closure has been established.”

Fingal Insurance Group DAC

(JRP Bulletin 6th July 2020)

Cover for businesses and premises that continue to be unoccupied after 31st July 2020, due to lockdown, staff furloughing or working from home as a result of Covid-19.

The continued temporary closure of many businesses due to the Covid-19 lockdown has significantly increased the number of unoccupied businesses and buildings. These buildings have a higher risk of damage/loss from various causes, such as water damage, arson and theft, than when occupied.

Our standard commercial policy defines unoccupied when the premises are closed for business for a period in excess of 7 consecutive days or when the premises (or part thereof) are untenanted and/or not resided in excess of 21 consecutive days for our property owners policy.

In response to the current situation, we have supported all existing customers who had to close their businesses due to the Covid-19 lockdown, by extending the unoccupancy definition until the 31st July 2020

As lockdown restrictions begin to ease and economic and social activity increase, we are further updating our approach to the unoccupancy conditions.

Premises that are compulsorily closed

Firstly, we would like to assure all existing customers whose businesses remain compulsorily closed due to the lockdown (those who must remain closed under the Health Protection (Coronavirus Restrictions) Regulations as appropriate for England/Scotland/Wales/Northern Ireland), that we have extended the unoccupancy definition up to and including the 31st July 2020.

Businesses where the insured has chosen not to reopen the premises

For businesses where closure is not mandated, but the business remains closed beyond the 31st July 2020 then the risk MUST be referred to JRP.

For the avoidance of doubt, businesses and premises that are mainly occupied (50% or more of the building or site) or partially open (for example a restaurant providing a takeaway service, or premises that are occupied one or two days per week), will not be regarded as empty/unoccupied.

We will treat each case individually depending upon the future intentions for the business/premise however it is likely that our standard unoccupancy condition PO32 or CP32 as detailed below will apply.

Unoccupancy Restricted Perils

When any Building(s) (or part thereof) are Unoccupied:

  1. Cover under this Certificate will be restricted to the Defined Perils of fire, lightning, aircraft and explosion.
  2. You must comply with the requirements a) – i) below otherwise all Damage arising from or caused by the Defined Perils of fire and explosion will be excluded.

You must ensure that;

a) all gas, water and electricity mains supplies are kept disconnected (except those supplies required to maintain automatic sprinkler installations, lighting or alarm systems which are to remain in operation for security or fire protection purposes)

b) all water tanks, apparatus, pipes and heating (except those required to maintain fully functional automatic sprinkler systems) are drained down

c) The following minimum protections are in operation:
1) all doors and windows are securely locked and fastened
2) any letter boxes are sealed
3) all security and alarm protections are set in full operation and are in proper working order

d)
1) When the Premises first become Unoccupied You or Your nominee must carry out a detailed inspection of all doors, windows and other access points to ensure that they are secure against unauthorised entry and document both the inspection and any action required.
2) Thereafter, You or Your nominee must inspect the Premises every seven days, keeping a written record noting any damage or breaches in security. If measures taken to prevent further damage or breaches in security have proved inadequate, improvements must be made and documented.
3) If unauthorised entry or attempt thereat is detected more than three times in any one Period of Insurance, immediate notice must be given to Underwriters 

e) all loose or moveable combustible items or materials other than fixtures and fittings are at all times removed from the Buildings and cleared from the Premises

f) all waste or refuse is removed from the Buildings and cleared at least once a week from the Premises

g) tanks containing fuel or other flammable liquids are drained and purged within 7 days of the Buildings becoming Unoccupied

h) the Buildings are inspected at least once every 7 days by You or Your nominee in order to inspect the Premises both internally and externally and to carry out any work necessary to maintain the above security arrangements. A record will be kept of such inspections

i) immediate notice is to be given by You to Underwriters when any untenanted or Unoccupied Buildings (or part thereof) is again occupied.

(at 12/05/20)

“JRP Bulletin 12th May 2020

We have promised to keep our approach to underwriting under constant review as social and economic situations continue to develop.

Our underwriting team have reached the decision that with immediate effect that if a business is closed as a result of the COVID-19 situation coverage afforded by the policy will continue to operate as if the business were continuing to trade from the premises.

This provision will not apply to new business risks quoted/incepted after the outbreak with specific coverage restrictions applied.

We are providing this amendment to cover up to and including the 30th June 2020 thereafter we reserve our rights to rely upon the original policy wording although we will notify you well in advance of our intentions beyond this period.

For unoccupied risks we are agreeing to suspend premises inspection conditions if the inspection(s) cannot be carried out due to government restrictions in the movement of people.

We do not expect you to endorse every policy (other than renewals) but you may wish to convey our position by email to your Broker/Insured.

Our underwriting team remain available to look at individual risks where you want us to consider specific cover or variations.

We would remind you that new 2020 wordings are now published on our website and were included in our previous bulletin.

The endorsements below should be attached to all renewals:

All Wordings:

It is noted and agreed that cover under this Certificate/Policy will remain unaltered up to and including the 30th June 2020 (provided this Certificate/Policy has not expired) if the Premises become Unoccupied as a result of the COVID-19 situation.

Thereafter if the Premises remain Unoccupied the original Certificate/Policy wording will apply unless specifically agreed in writing by Us.

If it is a condition of this Certificate/Policy that the Buildings must be regularly inspected We agree that the condition is suspended in the event that the inspection(s) cannot be carried out due to government restrictions in the movement of people.

Bespoke Wordings

Please ensure that the above endorsement is appropriate for your wording.”

At 01/04/2020

(The following applies where the insurer is JRP Underwriting Ltd.)

“We would like to take this opportunity to bring you some positive news around JRP Underwriting’s position on existing property owners and combined business in these unprecedented and unpredictable times.

JRP Underwriting Bulletin 1st April 2020  

“We have promised to keep our approach to underwriting under constant review as social and economic situations continue to develop. Our underwriting team have reached the decision that with immediate effect that if a business is closed as a result of the COVID-19 situation coverage afforded by the policy will continue to operate as if the business were continuing to trade from the premises. We are providing this amendment to cover up to and including the 31st May 2020 thereafter we reserve our rights to rely upon the original policy wording although we will notify you well in advance of our intentions beyond this period. For unoccupied risks, we are agreeing to suspend premises inspection conditions if the inspection(s) cannot be carried out due to government restrictions in the movement of people. The endorsements below will automatically be attached to all renewals:

It is noted and agreed that cover under this Certificate/Policy will remain unaltered up to and including the 31st May 2020 (provided this Certificate/Policy has not expired) if the Premises become Unoccupied as a result of the COVID-19 situation. Thereafter if the Premises remain Unoccupied the original Certificate/Policy wording will apply unless specifically agreed in writing by Us. If it is a condition of this Certificate/Policy that the Buildings must be regularly inspected We agree that the condition is suspended in the event that the inspection(s) cannot be carried out due to government restrictions in the movement of people.”


Imperium Insurance Management Ltd. t/a iSure Underwriting

At 02/04/20

“We also appreciate that your clients’ needs support and with that in mind we are offering the following –

  • On our commercial products, where the premises may no longer be occupied due to Covid – 19, we are maintaining full cover for 60 days and will review again closer to the 60 day limit. We would expect you to turn water off at the mains and take extra measures to protect the business.
  • On our commercial products, we will allow up to 14 days grace period on renewals to afford you the time to get in contact with your client and discuss their needs for the year ahead. Please also refer to us if you need any extra time.
  • We will allow pro rata refunds on policies where you feel you need to cancel, however we would advise against this approach as cover may still be necessary for certain aspects of your client’s business. “

KennCo Underwriting Ltd

(at 29/04/20)

Business as usual continues at KennCo Underwriting

The Covid-19 situation is constantly changing and evolving. At KennCo normal service levels are being maintained and all our staff are available to help you in any way they can by phone and email.

Following the guidance issued by Insurance Ireland on 10th April to help customers we have updated our guidelines in key areas of concern to your clients.

Personal Lines

The specific proposals are:

  • For the duration of the Covid-19 crisis KennCo Home Insurance products will cover working from home assuming the work is clerical in nature. Cover will apply for their personal office equipment such as laptops, computers etc. in the contents section of the Home policy up to stated limits. The business equipment used (e.g. Laptop) provided by their employer is likely not to be covered, however in most cases is the responsibility of the employer for ensuring their equipment is insured away from the office premises.
  • KennCo recognise that voluntary organisations play a crucial role in the current crisis and are committed to waiving any restrictions relating to volunteer driving within their motor insurance policies to help protect the most vulnerable in society.
  • Priority for HSE professionals is agreed to include – free breakdown service, courtesy car if required, priority for repairs and claims, free enhanced personal belongings cover. Motor cover while driving a loaned car from an SIMI garage.
  • NCT / Driving licence – KennCo will accept the 4 months extension as agreed.
  • KennCo are commitment to deal fairly and flexibly with customers in financial distress.

Commercial Lines

The specific proposals are:

  • KennCo will deal with requests to reduce premiums for business customers to reflect reduced level of exposure as a result of Covid-19 restrictions for EL / PL and suspension of MT policies on a case by case basis. 
  • Cover will be maintained for unoccupied commercial buildings/ premises not in use due to Covid-19 restriction. Appropriate supervision and security of the premises is requiredThis is subject to periodic review.
  • KennCo Insurers will deal with requests for a change of property use during the crisis for business impacted by Covid-19 restrictions.

KennCo continue to monitor this evolving situation and are committed to providing Brokers and clients with the flexibility and assistance necessary to navigate through these troubled times. 

Remember all our products are underwritten by financially strong rated Insurers so there is one less thing for you and your clients to be concerned with in this difficult time.


Liberty Insurance (Liberty Seguros, Compania de Seguros Y Reaseguros, S.A t/a Liberty Insurance)

(at 02/04/20)

“Firstly we would like to express our best wishes to you, your family and your staff at this time. We sincerely hope you are all keeping safe and well.

Further to our communication on the 18th of March, please read below some important information about additional measures we are taking to support you and your customers through these unprecedented times.”

“Claims Management and Service Providers:
  • Our Claims team remains fully operational.
  • We have adapted our processes to allow us to work remotely and settle claims using images or video evidence.
  • Roadside Assistance and Home Emergency Repair remains available 24/7. All claims settlements will be delivered promptly via electronic fund transfer.
Premium Payment Flexibility: 

We are prepared to be flexible in relation to premium payment and have established a number of procedures to facilitate this. Please contact the Broker Support Team for assistance if required.

Product and Coverage: Additional supportive measures for customers, applicable for the duration of Government restrictions during COVID-19.

Personal Lines:
  • All policy cancellations will be processed on a pro-rata basis. No cancellation fee will be applied.
  • Home: Where a Rental Property becomes unoccupied, Holiday Home coverage can be availed of and applied at no additional cost. Please contact the Broker Support Team by email to make these changes”
  • “Private Motor: We will extend Social, Domestic and Pleasure (SDP) use under standard private motor policies to cover insured drivers; to attend or bring a family member/friend to a hospital or dialysis unit for dialysis treatment on behalf of the HSE. The provision of this cover under standard SDP is subject to the following criteria:
    • The insured driver is a volunteer driver not earning any form of salary for this activity.
    • And the reimbursement offered by HSE is solely for expenses i.e. allowances per kilometre.
  • Commercial Vehicle: Social, Domestic and Pleasure (SDP) is included as standard on all Liberty Commercial Vehicle policies. For as long as Government restrictions are in force, we are happy to allow SDP only on both New Business and Renewals where the policyholder is out of work or has had to temporarily close their business for the duration.

Taxi: Additional suspension option is available during this time. Drivers will be able to suspend Public Service Vehicle (PSV) use and keep the policy active for SDP purposes only. Cover must be reduced to SDP only for a minimum of fourteen days to be eligible for a rebate. The rebate will be calculated after cover for PSV has been reapplied. Please contact our Broker Support Team for assistance.”

(at 17/03/20)

COVID-19

At Liberty Insurance, the health and safety of our employees and business partners is always a priority and as the situation with COVID-19 continues to evolve both locally and globally, we should all act responsibly and take appropriate precautions.

‌We would like to assure you that we have Business Continuity plans in place and are committed to maintaining full support services over the coming days and weeks. As you are aware, we have taken the decision to cancel all face to face broker meetings for the foreseeable future. The majority of our staff are working remotely and are available to you via phone or email as normal.

‌In addition to the above, our Broker Support Team remain fully operational and our Broker Distribution Team are on standby to take any questions you may have. As the situation evolves there will be increased pressure on phone lines and resources. Therefore we would ask that where possible, queries to the Broker Support Team are sent by email. This will also assist us in having all requests documented.

‌We remain in regular contact with all our vendor partners and can confirm that they are  operating as normal, and are committed to helping your customers with their breakdown, home emergency and windscreen needs where reasonably possible.

Operational changes made to support brokers:

We understand your primary concern is that no customer is left without cover. Therefore with immediate effect, we are making the following changes to support you through this unprecedented time.

‌Personal Lines: We will be allowing a 28 day grace period for all Renewals and Mid-Term Adjustments (MTA’s). 

Note: The 28 day hold covered will not apply if the policy has been transferred elsewhere within the 28 day period and evidence of any MTA instruction should be kept on file.

‌New Business: We will extend the period for which we allow the return of documentation such as NCB’s and copies of Licences from 14 days to 28 days.

Commercial Lines (ex. Motor Fleet): Although the current situation does not impact our decision to exit our Commercial Property, Liability and Development Bonds lines of business from the 1st of April; if there are any renewals due between now and 31st of March where you are unable to contact the customer, we will allow an automatic 28 days hold covered. Any extension beyond this time frame will need to be agreed on an individual risk basis.

‌Motor Fleet: We will not lapse any policy until we have received definite instructions from you.

‌We fully anticipate the challenging working climate to evolve even further on a daily basis. Rest assured, we are here to support you and are committed to providing the flexibility required to ensure we work in unison through this difficult period.


O’Callaghan Insurances Ltd.

(JRP Bulletin 6th July 2020)

Cover for businesses and premises that continue to be unoccupied after 31st July 2020, due to lockdown, staff furloughing or working from home as a result of Covid-19.

The continued temporary closure of many businesses due to the Covid-19 lockdown has significantly increased the number of unoccupied businesses and buildings. These buildings have a higher risk of damage/loss from various causes, such as water damage, arson and theft, than when occupied.

Our standard commercial policy defines unoccupied when the premises are closed for business for a period in excess of 7 consecutive days or when the premises (or part thereof) are untenanted and/or not resided in excess of 21 consecutive days for our property owners policy.

In response to the current situation, we have supported all existing customers who had to close their businesses due to the Covid-19 lockdown, by extending the unoccupancy definition until the 31st July 2020

As lockdown restrictions begin to ease and economic and social activity increase, we are further updating our approach to the unoccupancy conditions.

Premises that are compulsorily closed

Firstly, we would like to assure all existing customers whose businesses remain compulsorily closed due to the lockdown (those who must remain closed under the Health Protection (Coronavirus Restrictions) Regulations as appropriate for England/Scotland/Wales/Northern Ireland), that we have extended the unoccupancy definition up to and including the 31st July 2020.

Businesses where the insured has chosen not to reopen the premises

For businesses where closure is not mandated, but the business remains closed beyond the 31st July 2020 then the risk MUST be referred to JRP.

For the avoidance of doubt, businesses and premises that are mainly occupied (50% or more of the building or site) or partially open (for example a restaurant providing a takeaway service, or premises that are occupied one or two days per week), will not be regarded as empty/unoccupied.

We will treat each case individually depending upon the future intentions for the business/premise however it is likely that our standard unoccupancy condition PO32 or CP32 as detailed below will apply.

Unoccupancy Restricted Perils

When any Building(s) (or part thereof) are Unoccupied:

  1. Cover under this Certificate will be restricted to the Defined Perils of fire, lightning, aircraft and explosion.
  2. You must comply with the requirements a) – i) below otherwise all Damage arising from or caused by the Defined Perils of fire and explosion will be excluded.

You must ensure that;

a) all gas, water and electricity mains supplies are kept disconnected (except those supplies required to maintain automatic sprinkler installations, lighting or alarm systems which are to remain in operation for security or fire protection purposes)

b) all water tanks, apparatus, pipes and heating (except those required to maintain fully functional automatic sprinkler systems) are drained down

c) The following minimum protections are in operation:
1) all doors and windows are securely locked and fastened
2) any letter boxes are sealed
3) all security and alarm protections are set in full operation and are in proper working order

d)
1) When the Premises first become Unoccupied You or Your nominee must carry out a detailed inspection of all doors, windows and other access points to ensure that they are secure against unauthorised entry and document both the inspection and any action required.
2) Thereafter, You or Your nominee must inspect the Premises every seven days, keeping a written record noting any damage or breaches in security. If measures taken to prevent further damage or breaches in security have proved inadequate, improvements must be made and documented.
3) If unauthorised entry or attempt thereat is detected more than three times in any one Period of Insurance, immediate notice must be given to Underwriters 

e) all loose or moveable combustible items or materials other than fixtures and fittings are at all times removed from the Buildings and cleared from the Premises

f) all waste or refuse is removed from the Buildings and cleared at least once a week from the Premises

g) tanks containing fuel or other flammable liquids are drained and purged within 7 days of the Buildings becoming Unoccupied

h) the Buildings are inspected at least once every 7 days by You or Your nominee in order to inspect the Premises both internally and externally and to carry out any work necessary to maintain the above security arrangements. A record will be kept of such inspections

i) immediate notice is to be given by You to Underwriters when any untenanted or Unoccupied Buildings (or part thereof) is again occupied.

(The following applies where the insurer is JRP Underwriting Ltd.)

(at 12/05/20)

“JRP Bulletin 12th May 2020

We have promised to keep our approach to underwriting under constant review as social and economic situations continue to develop.

Our underwriting team have reached the decision that with immediate effect that if a business is closed as a result of the COVID-19 situation coverage afforded by the policy will continue to operate as if the business were continuing to trade from the premises.

This provision will not apply to new business risks quoted/incepted after the outbreak with specific coverage restrictions applied.

We are providing this amendment to cover up to and including the 30th June 2020 thereafter we reserve our rights to rely upon the original policy wording although we will notify you well in advance of our intentions beyond this period.

For unoccupied risks we are agreeing to suspend premises inspection conditions if the inspection(s) cannot be carried out due to government restrictions in the movement of people.

We do not expect you to endorse every policy (other than renewals) but you may wish to convey our position by email to your Broker/Insured.

Our underwriting team remain available to look at individual risks where you want us to consider specific cover or variations.

We would remind you that new 2020 wordings are now published on our website and were included in our previous bulletin.

The endorsements below should be attached to all renewals:

All Wordings:

It is noted and agreed that cover under this Certificate/Policy will remain unaltered up to and including the 30th June 2020 (provided this Certificate/Policy has not expired) if the Premises become Unoccupied as a result of the COVID-19 situation.

Thereafter if the Premises remain Unoccupied the original Certificate/Policy wording will apply unless specifically agreed in writing by Us.

If it is a condition of this Certificate/Policy that the Buildings must be regularly inspected We agree that the condition is suspended in the event that the inspection(s) cannot be carried out due to government restrictions in the movement of people.

Bespoke Wordings

Please ensure that the above endorsement is appropriate for your wording.”

“JRP Bulletin 1st April 2020

We have promised to keep our approach to underwriting under constant review as social and economic situations continue to develop.

Our underwriting team have reached the decision that with immediate effect that if a business is closed as a result of the COVID-19 situation coverage afforded by the policy will continue to operate as if the business were continuing to trade from the premises.

This provision will not apply to new business risks quoted/incepted after the outbreak with specific coverage restrictions applied.

We are providing this amendment to cover up to and including the 31st May 2020 thereafter we reserve our rights to rely upon the original policy wording although we will notify you well in advance of our intentions beyond this period.

For unoccupied risks we are agreeing to suspend premises inspection conditions if the inspection(s) cannot be carried out due to government restrictions in the movement of people.

We do not expect you to endorse every policy (other than renewals) but you may wish to convey our position by email to your Broker/Insured.

Our underwriting team remain available to look at individual risks where you want us to consider specific cover or variations.

We would remind you that new 2020 wordings are now published on our website and were included in our previous bulletin.

The endorsements below should be attached to all renewals:

All Wordings:

It is noted and agreed that cover under this Certificate/Policy will remain unaltered up to and including the 31st May 2020 (provided this Certificate/Policy has not expired) if the Premises become Unoccupied as a result of the COVID-19 situation.

Thereafter if the Premises remain Unoccupied the original Certificate/Policy wording will apply unless specifically agreed in writing by Us.

If it is a condition of this Certificate/Policy that the Buildings must be regularly inspected We agree that the condition is suspended in the event that the inspection(s) cannot be carried out due to government restrictions in the movement of people.

Bespoke Wordings

Please ensure that the above endorsement is appropriate for your wording.”


Optis Insurances Ltd.

(at 27/03/20)

“IMPORTANT COVID-19 COVER INFORMATION

Dear Broker,

We have experienced a high number of queries in relation to the COVID-19 pandemic, and we realise that these are worrying times for policyholders.

We have been asked about how policies may respond to the business interruption being experienced. This varies greatly on a policy by policy basis depending on the wording being used and the various extensions and the terms and conditions applying to them.

Please note that many insurers have introduced endorsements and/or amended wordings limiting/excluding cover to losses as a result of COVID-19 and where such endorsements are introduced they will be clearly shown on quotations/schedules. Obviously these endorsements only apply from the renewal/inception date and are not retrospective.

We have been communicating with all of our insurer partners and all have committed to handling claims on a case by case basis, where cover applies.

A summary of the covers/wording applying to the relevant schemes are as shown below

QBE Commercial Combined

Infectious diseases/murder or suicide
Loss resulting from interruption of or interference with the business in consequence of any of the following events:

  • a) any occurrence of a notifiable disease at the premises or attributable to food or drink supplied from the premises;
  • b) any discovery of any organism at the premises likely to result in the occurrence of a notifiable disease;
  • c) any occurrence of a notifiable disease within a radius of 25 (twenty five) miles of the premises;
  • d) the discovery of vermin or pests at the premises which cause restrictions on the use of the premises on the order or advice of the competent local authority;
  • e) any accident causing defects in the drains or other sanitary arrangements at the premises which causes restrictions on the use of the premises on the order or advice of the competent local authority;
  • f) any occurrence of murder or suicide at the premises;
    provided that the
  • g) insurer shall not be liable for any costs incurred in cleaning, repair, replacement, recall or checking of property;
  • h) insurer shall only be liable for loss arising at those premises which are directly subject to the incident;
  • i) insurer’s maximum liability under this cover extension clause in respect of any one claim shall not exceed EUR50,000 or fifteen per cent (15%) of the total sum insured (or limit of liability) for this insured section, whichever is the lesser, any one claim and EUR10,000 any one period of insurance.

Subject to the terms and conditions of the policy.
Optis Note: QBE have introduced a new wording which specifically excludes losses from COVID-19 and has a new updated Infectious diseases/murder or suicide extension, the version number of wording used will be clearly shown on all documents.

AXAXL Property Owners

Disease, Infestation and Defective Sanitation
This Section shall extend to apply to Consequential Loss arising from the occurrence at the Premises of

  • (a) murder, suicide, or food or drink poisoning;
  • (b) a notifiable human, infectious or contagious disease (other than Acquired immune Deficiency Syndrome (AIDS) or an AIDS related condition) that is required by law to be reported to government authorities
  • (c) vermin or pests;
  • (d) an accident causing a defect in the drains or sanitary apparatus;

which results in closure or causes restrictions on the use of the Premises by order of any person or authority holding the appropriate statutory power. The maximum amount that will be paid by the Insurer under this Special Extension shall not exceed 10% of the total Sum Insured under this Section, or €60,000 whichever is the lesser, unless otherwise stated in the Schedule

Subject to the terms and conditions of the policy.

AXAXL Bed & Breakfast/Guesthouse

Optis Note: Loss of income section for specified perils (no disease cover/extension)

QBE Real Estate

3.1.13 Notifiable disease, murder or suicide, food or drink or poisoning
The insurer will indemnify the insured for loss resulting from interruption of or interference with the business in consequence of any of the following events:

  • (a) any occurrence of a notifiable diseaseat the premises or attributable to food or drink supplied from the premises;
  • (b) any discovery of any organism at the premiseslikely to result in the occurrence of a notifiable disease;
  • (c) any occurrence of a notifiable diseasewithin a radius of two hundred and fifty metres (250m) of the premises;
  • (d) the discovery of vermin or pests at the premiseswhich causes restrictions on the use of the premises on the order or advice of the competent local authority;
  • (e) any accident causing defects in the drains or other sanitary arrangements at the premiseswhich causes restrictions on the use of the premises on the order or advice of the competent local authority;
  • (f) any occurrence of murder or suicide at the premises;provided that:
  • i) the insurershall not be liable for any costs incurred in cleaning, repair, replacement, recall or checking of property;
  • ii) the insurershall only be liable for loss arising at those premises which are directly subject to the incident;
  • iii) the insurershall not be liable for any loss arising directly or indirectly from an occurrence of legionellosis or legionnaires’ disease where the insured has failed to comply with
    • I) their statutory obligations in respect of the control of legionellosis or legionnaires’ disease;
    • II) the Health and Safety Commissions Approved Code of Practice, ‘The Prevention and Control of Legionellosis (including Legionnaires’ Disease)’ Ref ISBN-0-7176-1772-6 or any supplementary, replacement or amending Code of Practice;
  • iv) the insurer’smaximum liability under this clause in respect of any one (1) incident shall not exceed the sub-limit shown in the schedule.

Optis Note: All Optis policies have a €250,000 aggregate limit and an indemnity period of 3 months.

Unoccupied buildings approach At QBE we recognise the disruption being caused by the Coronavirus outbreak, and in particular the challenge being felt by our clients when operating in the current restricted environment. With buildings and operations being forced to close as a response to the Coronavirus we believe we have the responsibility to clarify how our policies will respond to unoccupied premises, as well as help insured’s to manage the ongoing risks to their business during this period of enforced reduced economic activity.

Currently within our policies we have a condition that relates to unoccupied buildings, which we will seek to maintain for current vacant premises, prior to the Coronavirus outbreak. However, for any properties that are temporarily unoccupied as a result for the Coronavirus outbreak we would seek to provide the following assurance.

During the Coronavirus outbreak, and for the period of Government required closure of any premises, the following policy operations will apply:

  • The unoccupied building conditions within the policy will not apply for any impacted property and we will not be taking any further measures to restrict coverage.
  • Should any premises remain unoccupied once any applicable Government restrictions are lifted, we would consider any such property to be subject to the unoccupied building conditions of the policy after a period of 7 days. With this in mind please note the Other Considerations section of the Risk Management advice contained herein as well as advice from your broker.
  • Any inspection provisions within the policy are waived during the period of Government restrictions, other than those deemed to be required for statutory purposes.
  • If during the Coronavirus outbreak, you repurpose your premises to undertake different activities please contact QBE or your broker to discuss this further. In consideration of the above, we would also wish to advise policy holders of our best practice risk management advice for temporarily unoccupied premises during the Coronavirus outbreak. Risk Management Advice Equipment and Building Utilities
  • Ensure all equipment is safely turned off and, in a condition, where it can be left for an extended period without damage or degradation.
  • Remove from or drain processing equipment of flammable, combustible or hazardous liquids and materials. These should be appropriately disposed of or stored safely for re-use.
  • Isolate electrical circuits where you can (without affecting security, CCTV or fire systems).

 Turn off the mains water supply. Make sure this does not isolate any sprinkler or other fire systems you have.

  • Don’t worry too much about draining heating or other stored water systems but if possible isolate storage / header tanks from any distribution pipework. • If it is safe to do so, isolate the incoming gas supply. • Make a list of all services or other valves you have isolated (and where they are) to ensure you reinstate them all.

Fire Systems/Doors

  • Ensure that any fire and/or sprinkler systems are fully operational.
  • Carry out a check to ensure that internal fire doors are closed.
  • Check that the fire alarm panel is fault free and all fire detection systems are fully operational. Waste
  • Remove all external waste, pallets and empty skips ahead of closing.
  • Empty all waste bins and relocate to a secure area, ideally at least 10 metres from the building. If this is not possible and bins and skips are within 10metres, these should have lockable lids. Physical Security
  • Carry out a check to ensure physical security measures are in place e.g. fences are in good repair, windows are locked and boarded if appropriate, shutters are in place where appropriate, gates and doors are locked, and letter boxes secured closed.
  • Shop fronts with no internal or external roller shutters to have shop front displays cleared of stock.
  • Make sure your intruder alarm is set and that the remote signalling is in place.
  • Ensure sufficient numbers of keyholders are available to respond to an alarm activation within 20 minutes, and any other building management system alarm that may be triggered. Other Considerations
  • It is also prudent to consider the following for any planned longer-term building closure; o Awareness of vacant property management companies. o Removal of high value or critical equipment to a secure location. o Additional building security features (boarding windows etc). o Further isolation of building services and draining down of wet systems. o Clearly posted emergency contact details.

Information for clients of AXAXL Policyholders Properties temporarily closed solely due to the Covid-19 outbreak Businesses are now facing unprecedented challenges posed by measures to counter Coronavirus (Covid-19) as premises are temporarily closed due to public health quarantines. It is our intention for situations where insured buildings are temporarily closed solely due to the Covid-19 outbreak, any Unoccupied Building Conditions in AXA XL policies will not apply and no additional premium or amended terms will apply until 31 May 2020. If Covid-19 related restrictions on normal activity are still in force as we approach the 31 May 2020 date, AXA XL will review the position and update our guidance accordingly. These guidelines would not, and do not, extend to any premises unoccupied before the Covid-19 outbreak (i.e. before the date of Public Health shutdowns) nor where premises become permanently vacant. In these circumstances please contact AXA XL in line with the existing policy terms and conditions. In addition, this guidance does not override any other policy conditions. – see below for further comments In the event that premises do become temporarily vacated, clients should still inform coverholders/AXA XL as soon as reasonably practicable. Best practice guidance is set out below but if you need help to tailor these actions to the client’s specific risk circumstances, please contact us:

  • Site Security – check perimeter fences and gates are in good state of repair and operational
  • External lighting – check lighting and any associated movement sensors are operational
  • Building Physical Security – check window and door locks plus any security shutters are operational. The use of external key safes should not be used • Access Control – check to ensure operational and maintained
  • CCTV – check to ensure operational and maintained including recording and any remote monitoring
  • Intruder Alarm – check to ensure fully operational and maintained including offsite remote monitoring. Reduction in Police response or keyholder availability to be advised to AXA XL • Where possible maintain a core staff on site that could respond to an emergency
  • Automatic Sprinkler protection should remain fully operational and maintained. Weekly testing should continue with guidance sought as to whether this can still be supported whilst adhering to social distancing. Ensure building heat is maintained at a safe level to prevent damage to sprinkler and process piping
  • Automatic Fire Alarm – check to ensure the system is fully operational and maintained including offsite remote monitoring
  • Fire doors – ensure all internal fire doors and shutters are closed
  • Where large car parks are vulnerable to incursion and potential fly-tipping, additional denial of access security measures should be considered
  • Inspections – where possible arrangements should be made for a weekly internal and external site inspection with guidance sought as to whether this can be supported whilst adhering to social distancing
  • Waste – internal and external waste to be removed from site and external storage located a minimum of 10m from the building
  • Utilities (electrical, water, heating) – where practical, shutdown and isolate / drain any nonessential utility services that are not required for operational reasons, maintaining minimum temperatures to prevent freezing or power circuits for protection
  • Follow the proper procedures to execute safe and proper shut down of equipment and machinery
  • Eliminate all controllable sources of ignition such as hot work or smoking
  • Ensure the intranet is completely isolated from the public network or the firewall is impenetrable. There should be no cyber risk during the idle period. Ensure that the UPS is functional
  • Develop plans and procedures for a safe start-up of the plant once the situation is back to normal. Follow the proper procedures for the safe start-up of machinery and equipment. Don’t take short-cuts to speed up the start-up process.”

Premium Credit Ltd.

(at 23/04/20)

“We remain open for business as we work through the ongoing repercussions of the Covid-19 crisis and the dramatic slowdown of our economy for customers. Whilst supporting our existing customers, we continue to see an ever increasing number of applications for finance as individuals and businesses; who previously may not have selected finance, are now looking more carefully at their own cashflow and liquidity.

We have received a high number of requests for forbearance, particularly from our commercial lines customers. Our approach to these has been to review them on a case by case basis, and where appropriate, we are providing reasonable breathing space for those customers through a variety of measures, most commonly a payment holiday month. This time allows both the customers and Premium Credit the time to assess the position of the individual company and the support available to them. Despite high contact volumes, we have now replied to and processed 96% of the requests and are working to a 2 day SLA for reply to initial requests. Upon receipt of the initial forbearance, commercial customers can then request further forbearance, and again, this will be assessed on a case by case basis.

No doubt, you will also have been receiving requests from your personal lines customers. We are happy to discuss those with you and agree a forbearance strategy that works with your own appetite for credit risk.

Our operations team continue to provide a high quality service to brokers; with over 90% of our key performance indicators operating to SLA. This has been greatly assisted by many of you working with us by moving to eJourney for Personal lines and also moving to EFT rather than cheques. Small steps, like this, have a big impact on our capacity and ability to serve you and your customers. Thank you!

We have a separate process in place for all larger premium cases. These will most likely require greater scrutiny to ensure we can support our customer where possible, quickly. To assist our Underwriting teams, and in turn speed up the processing of all deals and enquiries, please ask your teams to ensure the below COVID 19 questionnaire is completed in advance of the application. This questionnaire provides us with critical information to properly assess the loan request and plays a key role in the turnaround of these deals.

I will keep you updated as we progress during this period. In the meantime please don’t hesitate to contact us with any queries.

We wish you and your families continued good health,”


RSA Insurance Ireland DAC

At 02/04/2020:

“Claims

Notification

Normal procedures for notifying claims apply. Please contact Hastings to report your claim

Emergency Repairs

The following services have been included on the list of essential service providers under new public health guidelines: Delivery of emergency services to businesses and homes on an emergency call-out basis in areas such as electrical, plumbing, glazing and roofing.

Your customers should be able to avail of emergency repair services to minimise loss or damage. Emergency assist remains available and your customers should continue to use this service where required.

Loss Adjuster Inspections

We have revised the thresholds for Loss Adjuster inspections to minimise the need for physical inspections. Where physical inspections are required, these will be carried out in a way which mitigates the likelihood of infection.

Our Loss Adjusters are taking all appropriate measures, in line with HSE guidance, to protect against the spread of COVID-19.

Commercial Lines

Change in Activity and Use of Premises by the HSE

We are aware that many businesses are offering support to the HSE or are being asked to provide assistance. We are doing our best to offer support to these businesses and will continue to do so.

A change in activity must be referred to us (e.g. a distiller making hand sanitiser or a clothing manufacture making hospital scrubs) with proposals on how the change will be accommodated. This is to ensure that the change in activity does not increase the risk of fire or impact employee safety.

We will consider these changes on a case by case basis and, given the exceptional circumstances, will do our best to accommodate the change without a change in terms and conditions.  

If the provision of support simply involves employees and / or the use of premises for contact tracing, this does not need to be referred to us, but your clients must ensure they are able to follow the government and HSE guidelines on social distancing.

If the provision of support involves employees and / or the use of premises for testing or the treatment of patients, an indemnity must be sought from the HSE. A COVID-19 exclusion will apply but there will be no increase in rate.

Updated RSA position: Unattended Properties

Cover will continue to apply without additional premium or restriction to your clients who have followed government advice to close their premises temporarily.

There is no requirement to notify us of a temporary closure due to the COVID-19 outbreak. However, where it is possible to notify us, doing so would be most appreciated.

We recognise that it might not be feasible to disconnect utilities and therefore this is no longer a requirement. We would ask that, if permissible, all trade waste is removed, windows and shutters are kept securely locked, and premises are checked at least weekly.

The above relates to where premises have closed due to the COVID-19 outbreak. If any premises were already vacant or become vacant for another reason restrictions and conditions will still apply. Please contact us if your client cannot comply with these conditions.

Working from home

We know that many employers have already arranged for employees to work remotely from home. If so:

  • Under a household policy we know that liability cover is excluded for “You or members of Your Household”
  • Working from home is not excluded under an Employer’s Liability policy
  • Employers and employees have a responsibility to ensure a safe working environment and practises at home
  • To help support you, we have produced a Risk Management Guide and Remote Working Assessment Checklist, which set out some reasonable actions employers and employees can take
Exposure Changes, Review of Premiums, and Refunds

We will consider providing a refund or adjusting premiums for businesses impacted directly by COVID-19, in particular where businesses have temporarily closed. If you have a specific case you wish to discuss, please contact the underwriter or your Key Account Manager.” 

(at 24/03/20):

“We hope that you, your family, and your colleagues are all keeping safe and well during the Covid-19 (Coronavirus) outbreak.

Like many businesses, the majority of our staff are now working remotely, but we are still here to support you. You can find information on how to contact our teams on our website.

We apologise for any delays in service you may experience during this time. Your patience and support is greatly appreciated as we work together to look after your customers.

We understand that you need clarity and a bit more flexibility at this time.

We’d like to give you an update on the arrangements we’ve put in place. As the situation develops, we may extend or revise these arrangements.

Operational Issues

Renewals where instruction has not been received

We understand that it may be difficult to contact some of your clients during this time. In order to allow you sufficient time to contact your customers the following changes have been made.

Personal lines
We are extending the auto-lapse period for our home and motor EDI policies to 28 days. Changes to the OGI and Applied platforms are being made to facilitate this.

Commercial lines
Where no renewal instruction has been received, we will hold cover for a period of 28 days. Cover will lapse from renewal date after the 28-day grace period unless otherwise agreed.

This flexibility cannot apply to Fleet policies with a UK exposure as RSA are obliged to have policy data on the MID within 14 days of the renewal. For Fleet policies with a UK exposure we will therefore assume the policy has renewed unless advised to the contrary prior to the renewal date.

Cancellations and exposure changes

Where a client cancels a policy mid-term we will consider a refund. This position holds for next 28 days.

We will consider providing a refund or adjusting policies on a case by case basis for businesses impacted directly by COVID-19 and, in particular where businesses are temporarily closed. If you have a specific case you wish to discuss, please contact the underwriter or your key account manager.

Issuing motor fleet or private motor certs directly to customers

We have received some enquiries about issuing fleet or private motor certs directly to customers. Unfortunately, operationally we can’t facilitate this en-masse, but we will endeavour to facilitate individual requests as far as possible based on circumstances involved.

Claims

Normal claims procedures apply. Please see our website for contact details.

Cover

Unattended properties

We would like to assure you that premises which are temporarily closed because of Covid-19 restrictions won’t incur additional premium or any restriction in cover provided your affected clients:

  1. keep all gas and water mains supplies disconnected
  2. keep all electricity mains supplies disconnected (unless to supply an intruder or fire alarm system)
  3. keep all windows and shutters securely locked
  4. check on the premises at least weekly (both internally and externally) if permissible
  5. remove all trade waste

You must still advise us if a premises has been closed for business even on a temporary basis.

If any premises insured by RSA and belonging to or used by your client were already vacant or become vacant from another reason restrictions and conditions will still apply.

Please advise your clients as soon as possible as to these requirements.

Business Interruption

Business interruption cover will be determined on a case by case basis based on the policy wording applicable and individual circumstances which at this stage continue to evolve. Business Interruption cover might apply as a result of the closure of the policyholder’s premises on the order or advice of a local or governmental authority as a result of an outbreak or occurrence of Covid-19 at the premises

Cessation of works clause: Contract works policies  

There will be no restriction in cover or additional charge under the Cessation of Works clause, provided your client has secured the site by:

  • erecting hoarding around the site
  • carrying out visits to the site internally and externally on a weekly basis (if permissible) or
  • putting 24-hour security on site (if permissible).

You must still advise us if a site has been closed even on a temporary basis.

Other initiatives
  • We’re keen to support health care workers and volunteers who have mobilised to help others in their communities. We would like to reassure these customers that they will not incur additional insurance costs during the crisis for issues such as:
    • Use of personal vehicle in the course of healthcare work
    • Use of personal vehicle for delivery of food and essential items to the elderly or vulnerable in our communities
    • Prioritise the repair / mobility of healthcare and emergency worker vehicles”

Specialised Underwriting Services Ltd. t/a SUS

(At 24/04/20)

“Further to our email of the 1st April 2020 we are delighted to advise we have agreed a further concession with Ironshore for May renewals.

Any policies falling due for renewal between 1st May and 31st May 2020 and  currently closed due to COVID-19 we will offer a 30 day extension, free of charge, subject to the policy being claim free for the last 12 months.”

(at 01/04/20)

“COVID – 19 – Safescheme Policies

We are living in unprecedented times and the biggest risk at the moment is the unknown.

SUS Ltd have been working tirelessly with Insurers over the last number of days to achieve the best outcome we can for you and your clients and we can confirm the following. Regrettably as we are dealing with 2 different Insurers it has taken longer than we wished but hopefully the outcomes will offer some relief to you and your clients: The undernoted measures are what is available at the moment but we are continuing to work to improve on them.

Effective 27th March 2020:

Policies currently on cover with Ironshore (Europe) DAC. We are in 12 month run off cover with Ironshore (Europe) DAC since 18th August 2019:

1) Any policy currently closed due to COVID-19. We can offer a refund of premium (on the trading risk element of the premium) for the duration of the closure subject to a maximum of 60 days and subject to the policy being claims free in the current period of insurance. This is the only concession that Ironshore has made.

Policies due for renewal in the next 30 days and not currently closed under Government guidelines:

We can incept cover with QIC Europe Ltd as follows:

1) We can offer a short period renewal of 3 months.

2) At the end of the 3 month period we can offer a further period of 9 or 12 months.

Policies currently insured with QIC Europe Ltd i.e. renewals and New Business from 19/8/2019:

1) Closure of Premises due to Covid 19 restrictions

At the expiry of the current period of cover we will provide, free of charge, an extension to the current period up to a maximum of 60 days if the premises was closed due to Government guidelines. Alternatively we can offer a return premium for suspension of the trading risk.

2) Cover for the following is excluded when a Premises is empty or not in use. We will write this cover back in whilst closed due to Government guidelines subject to a maximum period of 60 days

  • Escape of Water from any tank, apparatus or pipe
  • Accidental Escape of Water from any automatic Sprinkler installation
  • Theft or attempted Theft – subject to an Excess of 15% of any loss,
  • Accidental Breakage of fixed glass

We do however need you to advise your clients they must observe the following:

  1. a) All Money must be removed from the Premises
  2. b) All waste/refuse and combustible materials are removed from the Premises
  3. c) Premises are secured against unlawful entry
  4. d) Conduct a deep-clean of any Deep Fat Frying & Cooking Equipment
  5. e) Ensure all services are disconnected at the mains except electricity where needed to maintain any fire or intruder alarm systems and any freezers and fridges
  6. f) Premises are checked at least weekly by the Insured or a responsible adult, with a view to carrying out any work necessary, unless there is a Government requirement that persons must remain at their own home.
  7. g) A record of compliance with above should be maintained by the Insured away from the business premises and must be made available to Insurers if required.
Miscellaneous: QIC Europe Ltd only:

1) New Business

We can offer a short first period of cover of 3 months.

2) Premium payment terms

Are increased from 30 to 60 days

3) Liability Extension

If your client decides to deliver food or drink during this current crisis we will cover this additional activity provided that:

1) Delivery is by own staff and not sub contracted

2) Government guidelines on social distancing are strictly adhered to

3) Any Liability required under road traffic legislation within Ireland or the EU is specifically excluded.

4) All food is prepared at the Business address specified in the Schedule.

We will continue to work on behalf of you and your clients as we have done for the last 25 years.

All of the above are initial changes and we will review them constantly as this current dreadful situation develops.

We welcome your comments and any other changes that we might consider.”


Thomond Underwriting Ltd.

“The below new wording is applied to all Material Damage policies where the premises will be temporarily closed due to COVID19 and not a permanent closure of the premises

Damage caused by theft, attempted theft or malicious persons is excluded in respect of any Premises or part of a Premises that remains unoccupied after 90 days.

UNOCCUPIED PREMISES CONDITION (COVID-19)

In respect of any Premises or part of a Premises that has become temporarily unoccupied as a result of COVID-19 it is a condition precedent to Our liability that You must comply with the following

(a) for the period 1st October to 1st March the water supply must be turned off at the main and the water installation fully drained down unless

(i) the Premises has low pressure hot water heating systems which are to remain on and

(ii) the mains services to the heating installation(s) are maintained in good condition and boilers are regularly serviced

(b) all combustible waste to be removed from the Premises

(c) the Premises to be made secure to prevent unauthorised entry

(d) any fire or theft protection/detection equipment to be maintained in efficient working order

(e) the Premises to be visited at least once a week by a responsible adult and a thorough inspection carried out with a written record of visits maintained other than where government measures prevent such visits

We will not pay in respect of Damage caused by renovation or building work.

Damage caused by theft, attempted theft or malicious persons is excluded in respect of any Premises or part of a Premises that remains unoccupied after 90 days.”


Wrightway Underwriting Ltd

(at 01/04/20)

“Dear Broker,

We hope you, your family and colleagues remain safe and well. We just want to update you on Wrightway’s current position. The majority of our dedicated staff at Wrightway are now working remotely. Our aim is to provide you with the best service possible during this difficult time, however due to the fact that we have minimim staff numbers in our office you may experience delays if contacting us on our main phone line so we would encourage you to contact staff members by email or on their direct lines. (Our direct diall numbers are available on our website www.wrightway.ie) As a result of the current Covid 19 pandemic we understand that businesses are impacted and their insurance requirements may change. Wrightway will be as fair and flexible where possible in order to assist you and our policy holders. We have been receiving some common queries and have listed same below;

Can I reduce my vehicle numbers on my fleet?

Yes, you can delete vehicles from your fleet by giving instructions by email. The disc will need to be removed from the vehicle and destroyed confidentially with the certificate. If a policy is on a declaration basis, providing the claims experience allows, we will be in a position to issue returns. If the declaration period is further than 2 months away we can agree to process amendments/ credits immediately. If the next declaration is due within 2 months we will process amendments in the usual manner.

Can I suspend my cover to Fire & Theft only?

Yes, you can reduce cover on vehicles from your fleet or an single vehicle policy by giving instructions by email. The disc will need to be removed from the vehicle and destroyed confidentially with the certificate. If a policy is on a declaration basis providing the claims experience allows, we will be in a position to issue returns. If the declaration period is further than 2 months away we can agree to process amendments/ credits immediately. If the next declaration is due within 2 months we will process amendments in the usual manner.

I have recently incepted a new policy and now need to cancel, do I get a refund?

Usually in the first year of insurance there is an administration charge but under the circumstances this charge will not be applied therefore a pro rata refund will be allowed for the portion of the policy unused subject to no claims on the policy.

I am now working from home, do I need to notify the home insurance company?

If you have no business callers to your home then cover will be in place on the household policy as normal.

My vehicle is broken down or won’t start, what do I do?

If your policy has cover for this, check your policy document for contact details and you should call our Breakdown Company who will arrange to call out to you to help you start your car.

We will be keeping these measures under review and we will continue to look at other ways we can support brokers and our customers during this unprecedented period of uncertainty. Stay safe and if you need us, do not hesitate to get in touch.”


Zurich Insurance plc

(at 27/03/20)

COVID-19 Customer service update

For the safety of our employees, customers and the wider community, we have implemented social distancing and remote working. We would like to reassure you that we are open for business and will be prioritising key customer transactions during this time. Our customer service and claims lines are open for business as usual.

How we are helping our personal customers in need

While our new working environment presents new challenges in how we service and provide solutions for our customers and partners, we ask customers and their Insurance Brokers to continue to engage with us. We are committed to helping you and our mutual customers through these challenging times. Insurance policies can vary a lot. But for the period of Covid-19 we are providing meaningful solutions for our personal customers and brokers in this uncertain time. We particularly want to support our customers on the front line helping fight against Covid-19.

Finance Flexibility

We are committed to being flexible and working with customers on a case by case basis. If you experience financial difficulties paying for your insurance as a result of the Covid-19 crisis, we provide:

  • Flexible direct debit payment plans.
  • No direct debit
Car Insurance Customers
  • Extending your renewal by 28 days so you’ve more time to work through your options.
  • Covering temporary drivers for up to 60 days free of charge.
  • Extending foreign travel cover up to 60 days if you’re unable to return to Ireland due to travel restrictions.
Cover has been extended for customers using their vehicles supporting the national emergency effort during Covid-19.
  • Cover has been extended beyond the standard social, domestic and pleasure use for healthcare workers, front line staff and to those volunteering to support the Covid-19 crisis. For example using your vehicle to deliver essential supplies to the vulnerable and elderly within your community.
Priority claims service for all front line and health care workers to ensure mobility is maintained.
  • Prioritised breakdown assist.
  • Extended car hire where the customer experiences garage delays.
  • Fast track claims settlement.
Home Insurance Customers
  • Extending your renewal by 28 days so you’ve more time to work through your options.
  • Automatic cover to facilitate home working.
  • Ongoing access to our 24/7 Emergency Assistance Helpline 1890 208 408.
Travel Insurance Customers
  • Cancellation cover where there is a travel restriction in place 14 days prior to your travel date if a refund is not available through your travel providers.
  • Curtailment cover for essential travel once you don’t travel against the advice of the Department of Foreign Affairs or the World health Organisation.”

(at 25/03/20)

“How we are helping our business customers in need

COVID-19
For Commercial Property Customers –Maintaining full cover

Although your premises may no longer be occupied, the risk of something happening, like pipes bursting, can increase.

If you’ve had to close temporarily due to Covid-19, we will continue to apply full cover once you (the business or property owner) take appropriate precautions to secure the premises.

If the premises remains unoccupied for more than 30 days, you will need to turn off all utilities, like turning off water at the mains, and take extra measures to protect the premises. If your buildings already have reduced cover, not Covid-19 related, your cover will stay as it is, it will not increase.

We will review the situation as it develops with you and rest assured, we will work in partnership with you.

For SME ‘Multi-Peril’ (Tradestar) Customers –Liability premium refunds

The premium you pay is based on how much you insure your buildings and fixtures and fittings for. So while you may no longer be operating from the premises, the ‘exposure’ remains the same. This means it is important you keep cover in place on your buildings and fixtures and fittings.

We will give you a refund on the liability element of your premium where your business has closed or your trade is significantly reduced. Any refund will assume you are closed for a two month period. Liability cover generally represents about 30% of your overall premium.

To qualify, you will have had no liability claims for the last 12 months, confirm the position of the business to us in writing, and take appropriate precautions to secure the premises and turn off all utilities as needed.

For Commercial Motor Customers – Refunds for vehicles no longer in use

We will give up to 75% of the premium back, on a pro-rata basis for the period of COVID-19, for any commercial motor fleet vehicles no longer in use due to reduced business activity. This assumes a two month period of reduced activity. We will need confirmation of which vehicles are no longer ‘on the road’ and the fleet must have a good claims experience in the current year of insurance, that is, a ‘loss ratio’ of less than 70%.

To qualify for an immediate return of up to 75% of premium, you must let your broker know in writing or by email which vehicles you intend taking off the road. These vehicles will have Fire & Theft only cover while off the road and they should be securely and safely parked in a non-public place.

If your policy is due to renew in the next three months, you can use your ‘annual declaration’ to tell us about any reduced activity as normal.

For Customers With Liability Cover –Premium refunds for reduced risk

Employers Liability

If your cover is due before June and not already renewed, we can review how your premium is calculated, things like the number of employees you have and your wage roll, and change the premium accordingly.

If your cover is due to renew after June, we will amend the premium when you return to work and provide updated projections. We will revise the minimum premium and deposit subject to a maximum alteration of 10%.

Public Liability

The risk associated from the number of people visiting a premises will have reduced significantly. We will apply the same measures outlined for Employers Liability cover to these cases also.

We will hold back 15% of the premium due back to cover any residual risks that may remain like trespass.

Refund premiums for both Employers and Public Liability are subject to a ‘loss ratio’ of less than 70% in the current year of insurance.

Extra ways we are helping our business customers affected by Covid-19
  • Flexible direct debit payment plans.
  • No direct debit fees for missed payments.
  • Extended credit terms afforded to affected customers’ brokers.
  • Flexibility to provide us with post-dated cheques for payment.Important

You should take time to read your Policy Document(s), Schedule(s), Endorsement(s) and Certificate(s) to give context to the special provisions contained in this document. As the situation develops, we may extend or revise these arrangements.

This document applies only to business originating in Ireland and placed locally with Zurich Insurance in Ireland.”

Useful links and Documents

The Central Bank’s COVID-19 consumer hub

Insurance Ireland – Motor Customer Support