Allianz Blog Insurance Explained

How You Can Affect Your Home Insurance Premium

There are several ways that you can manage your own risk to help keep your home insurance premium as low as possible.

Claims History

A good claims history is critical. Typically, those who have made a recent claim are more likely to claim again. Insurers therefore consider past claim experience to be significant. Having no previous claims is best for your premium, but bear in mind the number and value of claims has an impact, so consider not claiming for very small claims.

Your Policy Excess

Another way to affect your number of claims is your policy excess. This is the initial amount of the claim that you, as the policyho...

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Green Cards: Brexit’s Effect on Driving Across the Border

If a ‘no deal’ Brexit takes place then any person driving their Republic of Ireland registered car in Northern Ireland will require a green card.

What Is A Green Card?

A Green Card is an internationally recognised insurance document which provides proof of the minimum compulsory motor insurance cover required by the country visited.  It is a hard copy document which is printed on green paper or with a green background.

brexit-blog

How Does it Work Right Now?

Currently all Irish motor vehicles with a valid registration travelling within the EU are covered by the terms of the EU Motor Insurance Directive (MID).  This allows motor vehic...

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How Insurers Assess Risk

When we request an insurance quote we are asked a lot of questions. For a car insurance quote we are asked for information about:

  • ourselves – for example, our age, where we live, details of any medical conditions

  • our driving experience - driving licence type, details of any driving convictions and claims

  • our motor insurance history – no claim discount entitlement

  • the car we want to insure – its’ make and model, age and value, details of any modifications to the car

  • any other drivers we want covered

  • what cover we require – Comprehensive cover? For what purposes the car will be used

The information we provide to the insurer in...

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Insurance - Handle With Care! (Disclosing Information)

Most of us give little thought to our insurance from week to week. We hope that we never need to use our insurance. If the day comes where we do then we expect our insurer to treat us fairly and to provide a good claims service.

For our insurance to work as we wish when we need it, it’s crucial that we arrange it on the correct basis. We’re going to look briefly at the policyholder’s duty to accurately disclose all relevant information – both from the start and ongoing.

Receiving a Quote

When we request a quote for our car or home insurance the insurer asks a lot of questions – about us and about the property (the car or...

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Insurance - Handle With Care!

Most of us give little thought to our insurance from week to week. We hope that we never need to use our insurance. If the day comes where we do then we expect our insurer to treat us fairly and to provide a good claims service.

For our insurance to work as we wish when we need it, it’s crucial that we arrange it on the correct basis. We’re going to look briefly at the policyholder’s responsibility to ensure that sums insured are adequate.

The Claims Process

Doomsday scenario: Your house burns to the ground and all of your household possessions are destroyed. You make a claim to your home insurer.

You expect your insurer ...

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Handy Guide to Reading Your Insurance Policy

Here’s a choice for you – would you rather go to the dentist or read your insurance policy?

Reading your policy, or at least having some understanding of it, doesn’t need to be daunting. Here’s a quick guide to understanding the structure and content of it.

Your Policy Has More Than One Document

The policy wording: When you open your policy booklet you will find that there are sections which detail the covers that apply and circumstances in which cover will not apply (referred to as exclusions or exceptions).The schedule: This details the risk information specific to you. For example, your name and address, car details, ...

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