Table of Content
This is our most comprehensive package for protecting your home. Read our comprehensive guide to find out what stamp duty is, how it’s calculated and how to apply. Keep the damaged items, if possible as your insurer may need to inspect them. We also recommend that you review the claims process, so you know what to do in the unfortunate event you need to make a claim. Please tick this box if you allow us to contact you about discounts, special offers and information by post, email, SMS, phone and other electronic means.
2.Offer available to new & existing customers who have a motor care insurance policy and a home care insurance policy through Aviva Direct. Offer subject to minimum premium of €310 for car insurance & €230 for home insurance (€115 for Contents or Buildings only). Free one year travel insurance is arranged by Aviva Direct Ireland Limited and underwritten by Chubb European Group SE.
DO YOU OWN A SECOND HOME IN IRELAND
Therefore when setting your sum insured for contents you should provide for the current cost of replacement with a new item of a similar standard. Yes, we provide foreign holiday home insurance for those who have multiple properties abroad, as well as investors. It can be more convenient and cost-effective to insure all of your holiday homes with one insurer. Various factors affect the cost of holiday home insurance, including the popularity of the area, the location of the property, and its likelihood to face a natural disaster. Other contributing factors are building size and the construction materials used.
If you’re not covered, there’s no time like the present to get insured. The cost of holiday home insurance varies by your level of cover. If you’ve experienced a loss of oil, our insurance covers you up to €1,000.
Landlord Insurance
If you have already purchased your policy, you will need to check the documents you received as part of the purchase process to read the insurance documents applicable to your policy. We want to make sure you know exactly what you’re protected for, so please take a look at our FAQs or talk to our customer support. Our friendly team is here to support you with any questions surrounding policies, renewals, modifications, and claims.
It is good to know what to look for when buying property insurance. This guide will give you a better understanding of what you can do to reduce your premium. Subject to minimum premiums and applied before optional covers. Because holiday homes are unoccupied for varying periods of time, many insurers have specific conditions to prevent water and frost damage being sustained during the winter months. By way of example, some will require that the water is turned off from October to March and some will want the heating system drained. This is designed to ensure that your holiday home does not suffer prolonged damage from the like of burst pipes.
Gadget Insurance
It’s just one of the ways our customers can have added protection for their home away from home. Great quality flexible products and a claims service built with you in mind. Our phone lines are reserved for our customers or potential customers who may also contact us using the contact form. Thank you for your assistance today, it was refreshing to find an excellent Customer Service Representative like yourself.
Contents insurance is designed to protect your personal belongings and items if you are the victim of a theft, fire or flood and save you from the extra stress of having to replace these items on your own. For wider protection of your home and its contents get cover for any accidental damage that may occur. To qualify for 30% off your home quotation, you must have at least 3 years claims free history on the house to be insured. A 10% & 20% discount applies for 1 year & 2 years No Claims respectively. If you're already an Aviva customer, check your home insurance policy and schedule for details of your cover. We have teamed up with O’Callaghan Insurance Ltd for home insurance quotes.
Optional covers
You may find our glossary of terms helpful when reviewing your home insurance documents. The sooner you get in touch with us, the sooner we can help you. And there's more… see a list of all our home insurance discounts. If your keys are stolen, we offer up to €400 to cover replacement door locks, alarm keys and safe locks. If the Fire Brigade is called in to put out a fire affecting or likely to affect - your home, we will pay up to €1,500 to cover the charges.
You set a very high standard and I hope you are appreciated, as I will definitely be calling again to speak to you about our other policies. As someone who has worked in Customer Service Management, I can relate to your qualities and I would commend your exemplary service . I only wish that more organisations and representatives would learn from your example. Whatever your type of travel QuoteDevil can provide the best, low-price Travel Insurance Policy for you. You can read our current Home insurance documents at the links below.
And as it’s a holiday home, you’re not expected to be permanently residing there. Ireland has in recent years issued a town renewal scheme which encourages people by means of Tax breaks to invest in the construction of new buildings or properties that need refurbishment. Although the tax breaks are mainly designed for owner occupier purchasers, landlords can obtain tax breaks against other Irish Rental Income of 100% on the cost of refurbishment over 10 years.
In the worst case this can create very serious and ongoing water damage everywhere - unbeknownst to you. Holiday Home Insurance policies are specifically designed to protect your holiday home – recognising in particular that there are significant periods of unoccupancy. There are a few notable differences between standard home insurance policies and policies specifically designed for holiday homes. Over the last couple of months I've had to add people, add cover abroad and suspend my insurance. Each time I have be talking to the BEST customer service agents I have ever dealt with, not only from Quotedevil but from any businesses I've had to deal with.
Choose a level of Home Insurance Cover that suits your needs. Terms and conditions apply to all our home insurance policies and you can see full details in our HomeCare Policy Document. You can customise your policy by adding extras such as garden cover, accidental damage cover, or additional cover for important possessions. Liability insurance will cover you if visitors or contractors; sustain an injury while on your property or their belongings are damaged. A very common problem, especially when holiday homes are unoccupied in the colder months, you never want to be at a loss when you uncover water in unwanted spaces.
If you live in the UK, getting to Ireland is relatively easy. However, it’s unlikely that your property will be occupied all year-round, even if you decide to rent it out. That’s why it may be prudent to purchase a policy that can cover your property even when it’s unoccupied. Give yourself peace of mind, with third-party claims, and make sure your holiday home gets protected with our help. If you are not sure how much it would cost to rebuild your home then you can either have a rebuild cost assessment carried out by a Chartered Surveyor or you can use the house rebuild cost calculator below. InsuraHome features a range of great benefits as standard.
Some companies may not be willing to quote if they see a high claims history. A history of claims may make it expensive to take out a policy. You should review the excess amount on your policy; this amount may range from €125 up to €1k. By choosing to pay for a larger share of the risk, you may get a cheaper insurance quote. Generally, the higher the excess, the lower the premium.
To view the full list of cover available, please refer to theIreland Holiday Home Insurance Policy Wording. Escape of water from frost or frost damage to fixed water tanks, apparatus and pipes. InsuraHome Ireland Holiday Home Insurance has been specifically designed for individuals living in the United Kingdom who own a second property or holiday property The Republic of Ireland. Quality locks paired with a burglar alarm can translate to serious savings, not to mention peace of mind.
