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Home Insurance Cover Information

Home Insurance Cover

Our great quality, flexible Home Insurance product allows you to combine, or choose between Buildings and Contents cover and select from a range of Optional Extensions to suit your specific needs. See below for a selection of our Standard Features, Optional Extensions of Cover and Additional Benefits.

Please note: Our home insurance policy documents are available at the bottom of the page for you to download.

Standard Features

The features below are available as standard with your policy.

  • Audio and Audio Visual Equipment:
    Covered up to €1,300 automatically. Excludes damage to records, audio, video or computer discs, tapes or cassettes, CDs, DVDs and console games, damage caused by pets and hearing aids. Only applicable to Contents cover.
  • Home Office Equipment:
    Covered up to €4,000 automatically for personal computer, printer, scanner etc. Only applicable to Contents cover.
  • Increased Christmas time cover:
    Contents sum insured increased by 10% in December and January. Only applicable to Contents cover.
  • Increased Wedding time cover:
    Coverage increased by 10% one month before and after the wedding day of a household member (Date of wedding should be advised). Only applicable to Contents cover.
  • Shopping Cover:
    Covered up to €400, automatically includes loss or damage to shopping while it is being transported from place of purchase to your household. Excludes stealing or attempted stealing from any unattended vehicle except in the specific circumstances outlined in the policy document. Only applicable to Contents cover.
  • Fire Brigade Charges:
    Covered for any charges incurred up to €2,000 for calling a fire brigade to attend your property as a result of an incident which is insured under the policy.
  • Visitors Property:
    Covered up to a €1,300 for loss or damage in your home. Only applicable to Contents cover.

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Optional Extensions of Cover

The covers listed below are optional extensions provided at an additional cost*.

  • Accidental Damage:
    Additional cover for accidental damage to premises and/or contents. Subject to the exclusions outlined in the Policy Document.
  • All Risks:
    Personal possessions you would like to specifically insure outside your home such as sports equipment (while not in use), jewellery and valuables if they are accidentally lost, destroyed, damaged or stolen. Only applicable to Contents cover.
  • Caravan/Mobile Homes:
    Can be added as an optional extension if required.**
  • Small Craft:
    Can be added as an optional extension if required.**

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Additional Benefits

We also provide a range of additional benefits.

  • 24Hr Home Assist - Emergency Service:
    Contact our Home Assist Emergency Service 24 hours a day, 365 days a year, anywhere in the Republic of Ireland. Our quality tradesmen and repairers will provide you with assistance in the emergency which results in loss or damage to your home (e.g. damage to the roof, plumbing, drainage system, central heating, gas and electricity where there is complete failure, external locks, doors and windows repair) charges will be refunded with the amount paid when the claim is settled provided the damage is covered under your policy. Only applicable to Buildings cover.
  • Payplan Facility:
    Pay your premium by Direct Debit over 12 Months for a service charge of 8%**.
  • €500 Excess:
    If you increase your excess to €500, you can reduce your premium**.

*A mid term adjustment may apply.

**Only available when both Buildings and Contents cover are selected.

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Please note: the above information does not reference all of the benefits, terms, conditions, limitations, exceptions and exclusions associated with the Policy. Please take time to read our Home Insurance Policy Document and to ensure that you understand the cover provided.

It is important to remember, when proposing for insurance cover, that the information you provide is true and complete and that no material fact has been misrepresented or withheld by you. Failure to disclose all material information may result in the voidance or cancellation of your policy, a claim not being paid or partly paid, you encountering difficulty obtaining insurance elsewhere or, in the case of property insurance, you breaching the terms and conditions of any loan on the property.

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Contact Us

Direct Sales & Customer Service:
Phone: 01 448 48 48
E-mail us
More contact information
Mon-Fri 8am-6pm | Sat 9am-1pm

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