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You are here: FAQ's

Frequently Asked Questions

General Policy Frequently Asked Questions

What should I do in the event of a motor accident?
  • Do not accept responsibility or admit liability without first consulting IPB Insurance.
  • Call the Gardai or emergency services if necessary.
  • Record the name, contact details and insurance information of anyone else involved in the accident.
  • Record the name and contact details of any witnesses.
  • Take pictures if you have a camera, camera-phone or draw a sketch of the scene.
How do I make a claim?
  • Call us on the appropriate number below to inform us of your insurance claim.
  • We will ask you for your name, policy number and brief details of the claim.
  • We will ask you to complete the appropriate claim form and return it by post or email.
  • We will let you know if we need any additional documents to support your claim.
  • Each individual claim will be assigned a reference number and a claims handler. Please ensure your policy number or claim reference is written clearly on any documentation sent in to us.
For All Motor Claims
      01 639 5500

For Property Claims
     01 639 5563 or 01 639 5537

For All Other Claims
     01 639 5500

You can also write to us at:
IPB Insurance,
1 Grand Canal Square, Grand Canal Harbour, Dublin D02 P820, Ireland.
What is risk?
Risk can be thought of as a possible loss or other adverse consequence that has the potential to impact on an organisation’s ability to achieve its objectives and fulfill its mission.
What is risk management?
Risk management is a process that increases the probability of success and reduces the probability of failure. It can be used to complement an organisation’s business planning and resources allocation processes at a strategic level or at a project, function or operational level. For this reason it is often promoted as an effective management tool to support good governance.
How is risk management applied in an organisation?
Risk is applied by an organisation through the:
  1. identification
  2. assessment
  3. management, and
  4. monitoring
Of key risks that might prevent the achievement of the corporate or business plan objectives.

What are the benefits of risk management?
Risk management is a process, which provides assurance that:

• Objectives are more likely to be achieved;
• damaging things will not happen or are less likely to happen; and
• beneficial outcomes will or are more likely to be achieved.

How to make a complaint?
It is important to us that you receive the highest level of service at all times. We hope you never have to complain. However, if for any reason you do, we want to hear from you.

It is our policy to deal with all complaints fairly and efficiently.

All written complaints should be addressed to:
The Complaints Officer,
IPB Insurance,
1 Grand Canal Square, Grand Canal Harbour, Dublin D02 P820, Ireland.

What is Public Liability cover?
Public Liability provides cover in respect of the Insured’s legal liability for damages, legal defence costs and claimants costs and expenses in respect of accidental bodily injury to any person (other than employees) and accidental loss or damage to third party material property arising out of and in connection with the Insured’s business.
What cover does the Public Liability policy provide in respect of the actions of persons on work experience with the Insured?
The policy will cover the Insured in respect of their legal liability to third parties as a result of the negligent acts of persons on work experience while engaged in the business of the Insured.
What pollution cover does the Public Liability policy provide?
The policy provides cover in respect of the Insured’s legal liability for sudden and accidental pollution cover arising out of and in connection with the Insured’s operational activities.
While engaging a contractor to carry out contract works, what insurance details should we request?
We recommend that you request confirmation that the contactor has the relevant Public Liability (PL) cover in place in respect of their operational activities for which you are engaging them and that such PL cover is in the amount of €6.5ml any one occurrence with an indemnity to you as Principal.
What is Employers Liability cover?
Employers Liability cover provides indemnity in respect of the Insured’s legal liability for damages, legal defence costs and claimants costs and expenses in respect of bodily injury, death or disease sustained by any employee under a contract of service or apprenticeship with the Insured where such injury or disease arises out of and during the course of their employment.
Is there cover for business trips abroad?
We provide cover in respect of the Insured’s legal liability to employees in respect of business trips undertaken in connection with the Insured’s business by non-manual employees who are normally domiciled within the territories comprising of the European Union.
Are there minimum and maximum ages around which cover operates?
There are no age restrictions on our Employers Liability policy but we recommend that all employees should be medically fit for purpose and/or the duties for which they are contracted to undertake. Furthermore we recommend that our clients adhere to all the relevant legislation as regards the employment of young persons
What are the considerations surrounding employees who return to work following a serious injury and does cover operate for such persons?
We recommend that in such instances that a GP’s certificate be obtained confirming that the employee is fit to resume pre-accident duties. The GP may in some instances recommend that an employee be posted to less onerous duties in order not to exacerbate their condition and/or disability and as the employer has a duty of care to employees, we recommend that the employer accommodate and facilitate the employee in this regard.
The Employers Liability policy will indemnify the Insured in respect of their legal liability to such persons whilst engaged in the business of the Insured.
What is a Professional Indemnity policy?
The IPB Insurance Professional Indemnity policy provides cover to the Insured against any claim first made and notified during the Period of Insurance in respect of the Insured’s legal liability to pay compensation and damages to a third party as a result of a breach of professional duty or care by way of any negligent act, error or omission committed or alleged to have been committed by the Insured or any of the Insured’s Employees while in the course of their professional duties in connection with the Insured’s business activities.
Does the policy cover all employees?
Yes, the IPB Insurance Professional Indemnity policy covers all employees in respect of their legal liability, who breach or allegedly breach their professional duty of care in the course of their business activities.
Is cover restricted to certain activities and /or services provided?
The IPB Insurance Professional Indemnity policy does not restrict the cover to any specific activities and/or services provided and the policy includes all activities of the Insured.
Is libel and slander included within the scope of cover provided?
Yes, the cover includes libel and slander committed or allegedly committed by any employee in good faith while engaged in the business activities of the Insured.
What is meant by 'Accidental Bodily Injury’?
Bodily Injury caused solely by accidental violent external and visible means i.e. an injury as a result of an accident rather than a strain where no actual accident took place.
Why should I have Personal Accident Cover?
Everyone can have accidents. Serious accidents can happen at home, work or play and can result in real hardship for both you and your family and could leave you or your dependants financially insecure.
What benefit does the IPB Insurance Personal Accident policy provide for Death or Permanent Disablement?
At IPB Insurance we can tailor a policy to suit your needs. A lump sum benefit is payable for accidents resulting in Death or Permanent Disablement. Minimum lump sum benefits start at €50,000.
Is cover provided for Temporary Total Disablement (TTD)?
We provide cover for TTD by way of a weekly benefit for accidents resulting in Temporary Total Disablement. Please see your policy for details regarding the benefit payable.
Is cover provided for Medical Expenses and Hospitalisation costs?
Yes, IPB Insurance provides cover for Medical Expenses and Hospitalisation. A summary of our benefits is available in our policy or by contacting us at 01 6395500.
What does the IPB Insurance Computer Insurance policy cover that my warranty doesn't?
Warranties primarily cover manufacturer's defects -e.g. parts that fail from regular use.
An IPB Insurance Computer Insurance policy covers things like:
  • Theft
  • Fire
  • Power surges
  • Lightning
  • Accidentally dropped equipment (Accidental Damage)
What type of computer equipment can I insure?
All computer equipment used for the storage and communication of electronically processed data. The IPB computer policy also covers portable computer equipment including Laptops and palm tops.
What if they no longer make my specific computers?
IPB will replace your computer with a model as close to it as possible in the current retail market.
What is meant by Proprietary Software Programs?
Proprietary Software is the package of software programs that is provided with your computer equipment at the original purchase date.
What is Employment Practices Liability (EPL) cover?
An Employment Practices Liability policy covers the Insured in respect of their legal liability for any employment related liability claims based on wrongful employment practices which would not covered by a general liability insurance.
Who is covered under an EPL policy?
Our policy provides an indemnity to the Employer (Insured Organisation) as well as their Employees (Insured Persons). Employees include full-time, part-time, temporary and seasonal employees including contracted and seconded individuals. The IPB Insurance policy also protects past, present and/or future employees.
Who does the Excess apply to?
The excess applies only to the Insured Organisation. No excess is applicable where a claim is made solely against an Insured Person. This is particularly beneficial in cases of discrimination where individual colleagues, supervisors or managers could be named in an alleged Wrongful Employment Practice claim.
Does the policy include cover for defence costs incurred even if no formal claim is intimated?
Regardless of whether a formal claim is made the IPB Insurance Employment Practices Liability policy will cover the cost of defending a claim in court, including any judgments and awards and the costs of settlements prior to a hearing or mediation.
What constitutes a wrongful employment practice?
The IPB Insurance Employment Practices Liability policy includes a broad spectrum of employment related claims within its definition of what constitutes a Wrongful Employment Practice.
Below is a brief listing of just some of the instances that would constitute a Wrongful Employment Practice within the scope of cover provided by the IPB Insurance policy:
  • Unfair or wrongful dismissal
  • Unlawful employment related discrimination
  • Discrimination based on age, gender, race, colour, national origin, religion, sexual orientation, marital status, family status, travelling community membership, pregnancy, disability or victimisation.
  • Wrongful discipline
  • Sexual, racial, disability or workplace harassment of any kind.
Can cover be provided in respect of any director who sits on the board of an outside entity?
Yes, the IPB Insurance Employment Practices Liability policy can provide indemnity to any director, officer, trustee, governor or equivalent, who at the request of the Insured is sitting on the board of an outside entity as part of their normal employment contract with the Insured.
What is a material fact?
A material fact can be described as “any fact which may influence the judgment of a prudent underwriter in deciding whether to accept a risk and if so at what rate of premium.”
IPB Insurance requires policy holders to disclose all the material facts about their risk. Failure to disclose all material facts can lead to claims being declined.
To help you, the following are examples of material facts:
  • alterations/extensions to existing buildings
  • any changes in business activities
  • any change in the property occupancy
  • the property has become vacant or is partly unoccupied alteration or disconnection of fire or security systems
What is the effect of misrepresentation misdescription or non-disclosure in any material fact?
IPB Insurance requires policy holders to disclose all the material facts about their risk during the period of Insurance. In the event of any material misrepresentation, misdescription or non-disclosure your policy could be voidable.
What is meant by the Insured must “take all reasonable precautions”?
The Insured must maintain the property in a good state of repair by carrying out maintenance as required in order to prevent loss or damage. Failure to do so could jeopardise your Insurance cover.
Is there any cover for buildings in a dilapidated state?
Yes, but IPB Insurance restricts such cover to debris removal only. The scope of insurance cover offered is also restricted to Fire, Lightning and Explosion.
On discovery of any buildings which are disused, vacant or in a dilapidated state immediate notice should be given to IPB Insurance.

Are vacant or partly unoccupied buildings covered?
Immediate notice should be given to IPB Insurance when any buildings become totally or partly unoccupied.
Please contact our Property Underwriters on 01 639 5500 for further information.
What is meant by Reinstatement cover?
Cover on a Reinstatement basis means that at the expense of the company we shall rebuild or replace any insured property lost or destroyed, returning the property to a condition equivalent to or substantially the same as before but not better or more extensive than its condition when new.
What type of motor cover is available from IPB Insurance?
Our policies are available on a:
  • Comprehensive basis – covering damage to the insured vehicle and indemnity for claims from third parties.
  • Third Party Fire & Theft – covering damage to the insurerd vehicle as a result of Fire or Theft and indemnity for claims from third parties.
  • Third Party Only – indemnity for claims from third parties.
What about hired vehicles?
If a Blanket Motor Fleet policy is in force then hired vehicles are automatically covered under the Insurance Policy from the inception of the hire agreement to its conclusion.

If there is a specified Motor Fleet Policy in force then if a vehicle is being hired contact will have to be made with IPB Insurance prior to the hire inception period to arrange cover.
What happens if I crash a hired vehicle?
If a hired vehicle is crashed then we treat the claim as an Insured vehicle on the Motor Policy.
Who can drive hired vehicles?
If the policy is on an open driving basis then employees from aged 17 upwards, with a relevant licence, can drive a hired vehicle.
What if an employee has a provisional licence?
Employees who hold a provisional licence are covered to drive, if the insured organisations policy is on an open driving basis.
What if an employee has a second provisional licence?
If an employee has a second or third provisional licence then they are covered under the policy, if the organisation holds a policy with an open driving basis.
What if the policy is not on an open driving basis?
If a policy is not on an open driving basis then you need to provide IPB Insurance with the names of any persons who are covered to drive.
Contact Us
Tel: +353 1 639  5500
Fax: +353 1 639  5510