Thanks for that information. Those answers make good sense on the basis of the policy wording I am reading.
A supplementary question arises however. What is actually covered under the outbuildings item ? There is no definition of outbuildings in the policy booklet.
The sum insured on the buildings is over €300,000 so as to cover full rebuilding costs if the whole property was wasted and had to be rebuilt from scratch. However, the sum insured on the "OUTBUILDINGS" item is only €1,000 so I thought that it might just be cover for the contents of the outbuildings or somethinh like that.
I will ask the insurers to clarify the matter but would be glad to have any other views.