GARDEN AND LEISURE EQUIPMENT

Tools securely stored in a shed will be covered under contents insurance. Always check your policy booklet for full details of your cover.

Yes — accidental fire damage caused by a barbecue is covered under standard Buildings Insurance, provided it’s unforeseen. Our buildings insurance policies cover:

• Fire damage to your main structure.
• Damage to outdoor structures such as sheds.
• Potential liability for injuries or damage to others.

It will automatically be covered if you have the optional extra garden and leisure equipment on your current policy. It’s not necessary to ring OUTsurance if you have bought new garden furniture.

Yes — if you have the optional extra Garden and Leisure Equipment on your home insurance, and, the item is designed to be left outside your Home (e.g. garden furniture, BBQ equipment, trampolines). Claims under the garden and leisure equipment are limited to a maximum payout of €1,000 per incident or as defined in your policy schedule.

If you’ve got garden furniture, trampolines or invested any amount of money on your garden and leisure accessories, we would advise you to have our optional extra garden and leisure equipment.

Yes – Always check your policy schedule, however you’re covered under OUTsurance home insurance if a guest has a serious accident at your home, including during events like a family BBQ.

OUTsurance home insurance protects you if someone is injured on your property and you’re found legally responsible. It can cover medical costs, legal fees, and compensation up to the policy limit.

A few important things to keep in mind:

• The injury can not be from wilful, malicious, deliberate or reckless acts and not caused by negligence (like knowingly ignoring a serious hazard).
• People living in your household and domestic employees are excluded for bodily injuries and death / illness.
• Always check your policy schedule T&C’s apply