Home Insurance - Cover Information

What is covered by our household insurance policy?

• Audio and Visual Equipment covered up to EUR 1,300 automatically
• Home Office Equipment covered up to EUR 3,810 automatically for Personal computer, printer, scanner etc.
• Increased Christmas time cover: Automatically increased by 10% in December and January
• 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)
• Shopping Cover: covered up to EUR 320, automatically includes loss or damage to shopping while it is being transported from place of purchase to your household
• Fire Brigade Charges: covers for any charges incurred 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 EUR 1,300 for loss or damage at your home

Extra covers available if required:

• All Risks: Personal Possessions you would like to specifically insure outside your home such as sports equipment, jewellery and valuables if they are accidentally lost, destroyed, damaged or stolen.
• Caravan/Mobile Homes can be added extra if required
• Small Craft can be added extra if required

Further 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 their policy.

Payplan Facility
Pay your premium by Direct Debit over 12 Months for a service charge of 8%

€500 Excess
Avail of an additional discount if you opt to increase your Excess to €500

^{Note; The above assumes Buildings and Contents cover is selected, certain other terms and conditions may apply.}

Rebuilding Calculator

Allianz Insurance have designed a quick and easy guide to use when estimating your buildings.

Click here for rebuilding calculator

House Rebuild to A3 Energy Standard

In the event that your home, buy-to-let property or holiday home needs to be totally rebuilt following an insured event, Allianz will cover the rebuilding cost to a higher BER 'A' rating (subject to adequate sums insured), meaning you can enjoy a greener home that will be warmer, easier to heat and less hazardous to the environment.

Important considerations when buying household insurance:

You can buy home insurance in many different ways including direct from an insurance company, from an independent intermediary, a high-street shop, an advertisement, a bank or building society, personal introduction or mail shot.

People selling insurance must identify who they are and whether they are a 'company agent' for a limited number of insurers or an 'independent intermediary'.

Independent intermediaries are responsible for the advice they give and for arranging your insurance. They have agencies with a range of different insurance companies and recommend policies suitable to your needs. Their first duty is to you as their client.

When you buy direct from an insurer or through a company agent of the insurer, the insurer accepts responsibility for selling the policy. The policies must be suitable for your needs.

Insurers support a code of practice for selling a general insurance. Amongst other requirements, company staff and agents and independent intermediaries must do the following:

• Tell you that giving inaccurate answers or withholding information from the insurance company could result in the company not paying claims.
• Avoid influencing you. They must make it clear that the answers and statements you give in the proposal form are your responsibility.
• Where relevant, contact the insurance company for specialist advice
• Give you all the documents you need relating to the insurance, including the policy and the insurer's renewal notice.
• Explain all the essential conditions of the insurance, important restrictions and exclusions to make sure the policy meets your needs.
• Understand and be ready to give prompt advice on claims procedures.
• Send to the insurance company, without delay, any information you provide concerning your claim.
• If they are an independent intermediary, tell you how much their commission is if you ask.
• Treat in confidence all information you give them.
• Make sure you know how to make a complaint.

Getting the right home insurance Cover