Frequently Asked Questions
How much should I insure my home or buildings for?
Your home should be insured for the reinstatement value and not the market value. The building value should reflect the reinstatement cost of the house itself ( including any built in kitchens or wardrobes or other structural extras) the garage, garden shed, fuel store and boundary walls. The Society of Chartered Surveyors Ireland have a helpful guide on their website which you may like to refer to: www.scsi.ie.
How much should I insurer my contents for?
Your contents cover should be sufficient to replace all contents in your home. Go from room to room and make a list, include everything from curtains to carpets.
Can I cover items I bring outside of my home?
If you need an item covered OUTSIDE of the house (e.g. Jewellery, Sports Equipment etc), you need All Risks cover in addition to normal Contents cover. This can be specified (for higher value items) or unspecified (covers miscellaneous personal property up to a stated single article limit). We can advise you on which is most appropriate depending on the items you’d like to cover
Do I need to give an itemised list of all my contents?
Not for every single item you have but specified all risks items need to be listed (purchase receipt/valuation will be required in the event of a claim). If you have any particularly valuable items within your contents, which do not leave the house, you should also mention these on the proposal form. As a general guideline the value of such items should not exceed one third of your total contents sum insured, unless specially agreed.
Should I include Accidental Damage?
Accidental Damage should be included on your buildings and contents whenever possible. If you accidentally hammer a nail into the wall, burst a pipe and flood the house, spill a drink over your DVD and it wont work or reverse into your garden gates you will need accidental damage cover on your policy to be able to claim for the damage.
What is an Excess?
What discounts can I avail of?
Discounts are available on the cost of your insurance for Burglar Alarms, Smoke Alarms, Neighbourhood Watch area and also if you are over a certain age 45 or 50 years depending on the Insurer). In some circumstances you can avail of an additional discount if both your House and Car Insurance are with the same underwriter, so talk to us about both your home and motor insurance and we will work on obtaining the maximum discount available.
What do I do if my property becomes unoccupied?
What cover levels are available?
Essential Cover: Accident and Liability only.
This level provides cover for veterinary fees resulting from accidental injury only of your dog and cat and for third party liability for your dog only.
Premier Cover: 12 Months Cover.
Our Premier policy covers your pet for a 12 month period from the date of loss for illness or injury.
Cover after your renewal date will continue up to 12 months, subject to renewal of your policy.
After those 12 months the pre-existing medical condition will be excluded.
Our Premier policy also provides cover for Third Party Liability, Death from Accident, Boarding Kennel/Cattery Fees, Theft /Straying, Holiday Cancellation and Lost/Found ads.
We also offer optional cover for Overseas Cover which includes Quarantine, Emergency Repatriation and Loss of Passport.
Premier Plus Cover: Lifetime Cover (continued cover for medical condition occurring within the policy term).
Our Premier Plus policy covers veterinary fees for life and is designed for pet owners concerned about their pet developing a long-term, chronic or recurring illness.
Premier Plus Cover includes such conditions as arthritis or eczema which require treatment from a vet over a long period of time, often for life.
As long as the Premier Plus policy is renewed each policy year without a break, we will continue to provide cover for new illnesses after the policy starts right into your cat or dog's old age.
Our Premier Plus policy also provides cover for Third Party Liability, Death from Accident, Boarding Kennel/Cattery Fees, Theft /Straying, Holiday Cancellation and Lost/Found ads.
We also offer optional cover for Overseas Cover which includes Quarantine, Emergency Repatriation and Loss of Passport up to the aggregate limit.
Can I insure a pet of any age?
You can start pet insurance cover for your cat or dog from eight weeks until eight years of age at inception of your policy. If you renew your cover each year without a break, we will continue to pay claims for ongoing conditions beyond eight years of age.
Does an excess apply to my policy?
Yes an excess will apply to your policy when making a claim. The excess will vary depending on your policy and the type of pet covered.
If my pet has been ill before, will this be covered by my insurance policy?
We like to be as clear as possible to our customers, therefore any exclusion from cover placed on your policy will be stated clearly on your Certificate of Insurance. Our pet insurance excludes any previous medical conditions of your cat or dog at the time of purchasing this policy.
When does my cover begin on my policy?
Cover for injury will start as soon as you take out a policy, although cover for illness is excluded for the first 14 days of your policy.
What is complementary treatment?
Can I include overseas insurance for pets?
Yes we do, this optional benefit is available on our Premier and Premier Plus polices.
Do you only insure cats and dogs?
Can I get a discount for more than one pet?
Is there a discount for having my pet micro-chipped?
Will this insurance pay my vet fees directly?
How to Make A Claim
See our claims section