Liberty Quality Home - house and contents insurance
Article A. BASIC COVER: MATERIAL DAMAGE OR LOSSES SUSTAINED BY THE BUILDING AND / OR CONTENTS
Pursuant to the cover conditions of the policy and the limit on the insured sum stipulated in the schedule, material damage and / or direct material losses sustained by the building or contents due to the following causes are guaranteed:
A.11. Refrigerated goods
Food and medicine or drugs contained in refrigerators or freezers for domestic use connected to the electrical network that become unusable due to an accident covered by Section A7. are guaranteed. Electrical damage and damage caused by:
- A rise in the temperature of the refrigerator or freezer as a result of the malfunction thereof
- Accidental leak of coolant liquids or gasses
- Failures in the electrical supply lasting over 6 consecutive hours
In the case of an electrical failure, justyfying documents from the supplying company must be provided and, in the case of malfunction, the bill for the repair must be presented.
The indemnity limit for this cover shall be on a first loss basis up to euros 300 per claim and per year, if the contents are insured.
The maximum indemnity to be paid by the insurer for accidents derived from the covers set forth in Sections A1 to A11 ( A1, A2, A3, A4, A5, A6, A7, A8, A9, A10, A11) shall be those specifically stipulated in each section. Notwithstanding this, the total indemnity amount may not exceed 100% of the insured sums for building and / or contents, even when the same accident is guaranteed by more than one cover.