Home Insurance

You can do this at any time. All you need to write to us and request that we cancel your policy. We’ll arrange the cancellation once we receive your request. Remember, cancelling the policy in the first year may result in you getting a small or no refund due to the application of short-period rates. No refund will be due where there is an incident which has or will result in a claim’s payment on your policy.

You have the right to cancel the policy within 14 days of the inception date or the date you receive the policy documents without giving any reason. You must tell us, and you will receive a full refund of any premium you have paid to us, although we reserve the right on refunding any premium paid to us if you have made a claim under this policy.

It is the amount you are responsible for if you have a claim. For instance, if your excess is for €250 and you’re claiming for €3,000, the insurance settlement that you receive will be €2,750.

Family Legal Protection is included in our home policies. It will provide legal advice and representation if you or family members live with you have a legal dispute. This could include contract disputes, identity theft, bodily injury, clinical negligence and employment disputes.

All Risks generally covers items of value like jewellery outside the home. You can buy two kinds of all risks cover, specified all-risks insurance, which covers listed items outside of the home. Unspecified all-risks cover is normally bought on a global basis and insures unspecified items outside of the home which are valued at a €1,000 or less. For instance you could insure a sum of €3,000 to cover numerous items, although none of the items will be valued at more than €1,000. Valuations are required where the value of your items is greater than €1,500.

Accidental damage to buildings and contents is included as standard on our home policies

Typically covered is loss or damage to buildings and contents caused by fire, storm, flood, escape of water, theft. A full summary of the wide range of covers is available on request.

Our product is designed for owner occupied homes built after 1930. The minimum value for buildings is €75,000 and the maximum value is €800,000. The minimum sum insured for contents is €10,000. All homes proposed to us must have an acceptable claims record.