House Insurance – is something that most homeowners will be paying for every year so any savings made on house insurance can really add up over the years. Most people leave it too late to find the best quote on the market and simply renew with their current provider for convenience sake.
There are several providers of home insurance on the Irish market and quotes can vary significantly so it is important to compare quotes across as many providers as you can to make sure you save as much money as possible.
You can either do this by contacting each provider directly or by using an online broker. The advantage of an online broker is that they can compare different providers for you or they may be able to provide deals that aren’t available directly to consumers.
In the table below we have listed the main providers with some details and a sample quote for insurance for a 4-bed semi-detached house in Cabinteely with a rebuilding cost of €230,000 & contents worth €70,000 and is not liable to flooding. This information comes from a survey completed by the Competition and Consumer Protection Commission in 2015.
| Provider | Broker/Direct | Current Deals | Sample Quotation |
|---|---|---|---|
| AIG Europe Ltd | Direct | • Up to 30% No Claims Discount • 12 Months cover for the price of 10 • 20% Loyalty discount if you have existing AIG car insurance policy | €483 |
| Allianz | Direct | • 15% Online Discount | €390 |
| Aviva | Direct | • Up to 40% No Claims Discount • 8 weeks free • 15% Online Discount • 5% Discount if have another policy with Aviva • 10% Increase in contents cover at Christmas • 14.5% off with approved alarm | €323 |
| AXA | Direct | • Up to 30% No Claims Discount • 25% Online Discount • 5% Discount if have another policy with Axa • 10% off with approved alarm • 10% off with customers aged 50 • 5% Discount for approved security locks, smoke alarm or neighbourhood watch member. | €335 |
| FBD | Direct | • Up to 50% No Claims Discount • 10% Online Discount | €314 |
| Liberty Insurance | Direct | • 10% Discount if have another policy with Liberty • Up to €750 Heating Oil Cover • Up to €2000 Fire Brigade Charges | €445 |
| RSA Insurance Ireland Ltd | Broker | €458 | |
| Zurich | Direct | • 14% Online Discount • 5% Discount when have motor policy with zurich | €386 |
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