Terms and Conditions

Users must agree to abide by the terms of service in order to use the offered service.

Terms & Conditions

Effective Date: 2004

Important Notice: These terms govern your insurance contract with Codeve. Please read carefully before purchasing coverage.

1. Policy Coverage

Inclusions
  • ✓ Covered perils as specified in policy schedule
  • ✓ Liability protection up to policy limits
  • ✓ Emergency assistance services

Exclusions

  • ✗ Intentional damage or fraud
  • ✗ Pre-existing conditions (health policies)
  • ✗ Acts of war or nuclear hazards

3. Claims Process

  1. Notification within 72 hours of incident
  2. Submission of complete documentation
  3. Investigation by claims adjuster
  4. Settlement determination within 30 days

2. Financial Considerations

Premium Payments
  • Due monthly/quarterly/annually as agreed
  • 15-day grace period for payments
  • Coverage lapse after 30 days non-payment

4. Policy Termination

By Insurer

Material misrepresentation or non-payment

By Policyholder

Written notice with pro-rata refund

5. Dispute Resolution

All claims disputes shall be resolved through:

  • Mediation (required first step)
  • Binding arbitration (if mediation fails)
  • Litigation in Ireland courts (final recourse)

6. General Provisions

Entire Agreement

Supersedes all prior agreements

Governing Law

Laws of Ireland

Limitation of Liability

Capped at policy limits