Aviva Car Insurance – How Does It Compare with Other Insurers

Aviva Car Insurance – As one of Ireland’s leading online insurance brokers, we have a great relationship with Aviva. Many of our customers opt for Aviva policies.

In certain circumstances, Aviva car insurance offers the best value to many customers.

Find out if Aviva quotes you the best price by using our car insurance quote comparison tool.

Aviva is a global brand providing insurance, savings and investment products to around 33 million people around the world.

Aviva employs over 1,200 people in across their Irish operations in Dublin, Galway and Cork.

The company is known in Ireland for innovative schemes to help learner drivers.

Aviva Ignition and Driving School

Learner Permit holders and those who hold a Full EU Driving Licence for less than 3 years must take part in the Ignition Programme with Aviva.

They also offer driver training for learning drivers with the Aviva Driving School.

Aviva Car Insurance Review

Aviva is one of the major players in the car insurance market in Ireland. They actively assist young learner drivers which is a major plus.

They have a number of innovations which help reduce car insurance premiums.

All in all, if you can get the cheapest quote for your circumstances with Aviva then you should strongly consider taking out a quote with them.

Rating: 5/5

Conclusion

In conclusion, with over 300 of providing insurance and an international footprint. Aviva has been a welcome contributor to the Irish car insurance landscape.

 

 

Multi-Trip Travel Insurance – Get the Cheapest Price Today

Multi-trip travel insurance is becoming more and more popular with Irish people, as they take more holidays abroad from family sun holidays to city breaks.

Travel insurance should be considered strongly by anyone holidaying abroad. Annual multi-trip insurance allows you to buy travel insurance for multiple trips over a year.

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Why Get Multi-Trip Travel Insurance?

If you take multiple holidays per year, then it makes sense to get a multi-trip travel insurance policy.

You will save money when compared to taking out separate, policies for each trip.

This covers you for all the trips you make in the space of a year as long as each trip is under a certain number of days. You can insure yourself, your partner or your family.

As a result, you should consider taking out a policy when you are planning your trip.

Types of Multi-trip Policies

When selecting a multi-trip policy make sure you have cover for the jurisdiction and activities you plan on doing.

For instance, if you are going to the United States make sure you have an annual multi-trip insurance policy that covers the US.

Typically insurance companies offer two coverage types:

  1. Within the EU
  2. Worldwide

Additional travel Insurance Cover for  Certain Activities

If you are skiing, be sure to have winter sports coverage etc.

This is usually an add-on to your basic policy. Therefore, it is important to be aware of this.

Travel Insurance

Travel insurance gives you peace of mind when travelling abroad. We have all heard stories of friends who lose their baggage or get injured from an accident when abroad.

As a result, taking out a travel insurance policy covers you from such incidents and helps prevent your holiday from becoming a nightmare.

Travel Insurance FAQs

For more information on Travel Insurance check out our Travel Insurance overview.

Insurance Ireland provides answers to many frequently asked questions.

In conclusion, multi-trip travel insurance is a great option for people to take multiple trips over a twelve month period.

House Insurance Ireland – Get a Cheap House Insurance Quote

How to Get House Insurance

The first thing you need to do with regard to house insurance is to work out the amount of coverage you require. As a result, you can avoid cover that is above your requirements or, on the contrary, make sure that all your belongings are covered.

Get a House Insurance Quote here.

Policy Excess – House Insurance

Your policy excess is an important component in how insurance companies calculate your premium. Therefore, if you are unsure get some advice.

Get advice from an insurance broker.

Talk to us about the options available by calling us on  042 9359051.

House Insurance – Cover Options

Buildings and Contents Cover

As the name suggests, this is cover for both your buildings typically covering the main building as well as domestic outbuildings, patios etc. and the contents of your home and domestic outbuildings like personal belongings, valuables and household goods.

As a result, this is the most popular type of house insurance.

Contents Cover

Contents cover only covers the contents of your house and domestic outbuildings and not the actual buildings.

For instance, this type of cover is popular with renters.

Buildings Cover

Buildings cover only covers the domestic buildings of your property and not the contents of such buildings.

As a result, you must also take out contents cover for the contents of your domestic buildings.

House Insurance – Items and buildings that are usually not covered.

You may not be covered in certain circumstances. Therefore, if you have questions about what is and isn’t covered give us a call.

Contents Cover – Items that Typically are Not Covered

There are items that are not covered by content policies. For instance, the following are typically excluded from contents cover:

  • Non-domestic buildings like sheds
  • Fences
  • Gardening equipment
  • High-value items valued above a set threshold (these require their own cover)

Circumstances that are Not Typically Covered by Buildings Insurance

Building insurance policies have exemptions that are not covered.  For example, below is a list of some of the exclusions from Buildings cover.

  • War and Terrorism
  • Damage from an attempted break-in
  • Civil unrest

As a result, you must be aware of the circumstance that your policy does not cover you.

In conclusion, if you are not sure about any points relating to home insurance, then just ask your broker. Call us on 042 9359051.

Our qualified team of advisors are happy to help.

Furthermore, you can get an instant house insurance quote online by filling out this online form.

 

Renters Insurance – Get Cheap Insurance When You Rent an Apartment/House

What is Renters Insurance?

Renters insurance is contents only cover for people who rent and who do not require buildings insurance. Therefore, it covers contents such as jewellery, clothes, furniture, electronics and cash.

Renters Insurance Quote

Get a quote for tenant/renters insurance online or by phone.

It only takes about 4 minutes to get a quote online.

Get a Quote Here

or call us: 042 9359051

Renters Insurance in Ireland

In Ireland, more and more people are renting for longer periods of time. Because of this, as people accumulate more valuables it is important to think about covering the contents of rented accommodation against theft, loss or damage.

How to Calculate the Value of Items you wish to insure?

  1. Look back at receipts
  2. Determine the cost of similar items in the same condition online
  3. If you have valuable items use your phone, to take a picture and keep any professional valuations of these items (also take a photo) in a safe place.
  4. If you have anything worth a substantial amount it may be worthwhile considering separate cover.

Does My Landlord’s Insurance Cover Me?

Most likely your Landlord has only taken out building insurance which covers damage to the building itself.

As a result, your property or your liability with respect to personal injury is probably not covered by your Landlord’s policy.

Therefore, renters insurance will give you the cover you require.

Talk to one of our advisors today on 042 9359051.

We are delighted to answer any questions you have.

Bump Car Insurance – Overview

Bump Car Insurance – Background

Since 2013, Bump Insurance has been underwriting car insurance in Ireland. Over the last number of years, Bump car insurance became quite popular throughout the country.

Patrona Insurance Group, a major insurance underwriter, bought Bump Insurance since then.

They deal exclusively through a network of selected brokers which, we at Quoteme.ie, are one.

As a result,  Bump Insurance only provides a quote through a fully accredited insurance broker.

Bump Car Insurance Review

Bump Insurance is an underwriting agency that provides innovative insurance products through a network of brokers throughout Ireland.  Patrona Insurance Group now owns them.

They are well established in the market and our experiences with them as a broker have been very good.

They provide a great service through brokers to their customers. As a result, they enable us to maintain top-level standards in customer service.

However, everybody’s car insurance requirements are different. Therefore, you should review policy documents to make sure that they meet your needs.

In conclusion, if you find a policy that meets your needs and budget from Bump Insurance then strongly consider it.

See if Bump Insurance can offer you the best price for car insurance.

Rating: 5/5

Compare Car Insurance Quotes

Conclusion

Bump Insurance is based in County Galway. They have grown significantly in the last number of years. Therefore, have made a substantial impact on the Irish Insurance market. They are regulated by the Central Bank of Ireland (as you would expect).

Consider selecting a policy from Bump Insurance if it meets your requirements.

Compare Bump Insurance quotes for car insurance with other top insurance providers in Ireland.  Use our quote comparison tool linked above to find out if  Bump Insurance can offer you the best price on your policy.

Alternatively, give us a call on 0818 224433 or 042 9359051. Talk to one of our insurance advisors who will be delighted to help.

Bump Insurance provides car insurance. Get a quote today.

 

Liberty Home Insurance – Review

Background – Liberty Home Insurance

Liberty Home Insurance is provided by Liberty Insurance Ireland which is part of  Liberty Mutual Holding Company (LMHC) based in Boston, USA. Therefore, they benefit from over 100 years of experience in the insurance sector.

Since 2012 they have been proving motor insurance policies in Ireland. Subsequently, they have added home insurance to their policy offering.

We have been working with Liberty for a number of years and many of our customers have home insurance policies with them. As a result, we have written this review.

If you would like to learn more about Home Insurance please read our home insurance guide.

Guide: Home Insurance in Ireland

Review – Liberty Home Insurance

We have been providing quotes for home insurance from Liberty Home Insurance for the last number of years. Our customers have generally been happy with their policy from Liberty Insurance.

Although relatively new to Ireland, they have considerable experience and expertise from their parent company.

They are regulated by the Central Bank of Ireland which means that everything must be above board.

However, all insurance providers we list must be regulated with the Central Bank of Ireland.

As an insurance broker, we find Liberty Insurance Ireland both professional and good to deal with.

Liberty Insurance has a great reputation and track record. Consequently, we recommend that you think about a quote for a home insurance policy from Liberty if the price is suitable.

Rating: 5/5

Conclusion

You can compare home insurance quotes across multiple insurance providers using our online comparison tool.  Quotes do vary given your circumstances and in some cases, you may be able to find substantial differences in quotes.

Compare Home Insurance Quotes

For this reason, we always recommend shopping around even if you know that an insurance provider like Liberty has an outstanding reputation. There are many options for you to pick from.

However, if the quote from Liberty Insurance Ireland for home insurance is within a comparatively good price point you can be confident that the company is reputable and from our experience, has a good track record dealing with customers.

 

Zurich Car Insurance – Review and Background

Zurich Car Insurance – Introduction

Many of our customers have questions about Zurich Car Insurance.

They have seen an advertisement on television or attended an event which was sponsored by Zurich. As a result, they want to know more about the company.

We have worked with Zurich for many years, and as a broker, provide car insurance quotes from Zurich Insurance among many other companies. Therefore, we advise that you consider Zurich when looking for Car Insurance.

About Zurich Insurance

Zurich Insurance employs more than 400 people in Ireland.

It has locations in both Dublin and Wexford with it’s Wexford customer care operation opening in 2008.

Zurich is one of the top car insurance providers in Ireland. Many of our customers have taken out a policy with them.

We delighted to be able to provide our customers with quotes from Zurich as part of our quote comparison service.

Zurich Insurance PLC is regulated by the central bank of Ireland.

Review of Zurich Car Insurance

As with all the companies we work with as insurance brokers, Zurich Insurance is reliable, has demonstrated good customer service over many years, and complies with insurance regulation here in Ireland. Furthermore, they have an Irish base.

As a result, you should consider quotes for car insurance from Zurich Insurance.

The Zurich brand is established over many years and can be trusted to provide car insurance that meets your needs. Therefore, Zurich Car Insurance is a good option for car insurance in Ireland.

Our quote comparison tool will show you if  Zurich Insurance is the cheapest policy for your requirements and circumstances.

Rating: 5/5

How to Get a Quote for Car Insurance from Zurich Insurance

Use our online quote comparison tool to get car insurance quotes from Zurich Insurance along with a number of other top insurance companies. Consequently, you will see the cheapest quote among the companies offered.

Get a Car Insurance Quote

AXA Car Insurance – Background and Review

AXA car insurance policies are very popular with our customers. In some cases, they provide the best balance between coverage and price.

As a result, we have written this post to help you when looking for an AXA car insurance quote.

We hope that it helps you as you look for a quote.

Background: AXA Car Insurance

AXA Ireland has been in operation since 1999. Car Insurance is one of their most popular products.

Therefore, they have vast experience providing car insurance policies.

AXA is one of the top 5 biggest general insurers in Ireland. With this, they have lots of experience with car insurance policies.

They have 42 branches in Ireland.

AXA Car Insurance – Review

We have sold countless policies including car insurance from AXA over the years and we have found them great to deal with.

They have a great track record in Ireland. This is a major positive.

In light of this, we are confident recommending AXA policies to our customers.

Rating: 5/5

Save on Car Insurance

They are one of the many insurers that are compared using our quote comparison tool. So, if you want to see how AXA stacks up on price for your circumstances, simply fill out our quote comparison form.

Alternatively, give us a call and one of our helpful insurance advisors can assist. You can reach us on 0818 224433 or 042 9359051.

Compare Car Insurance Quotes

We can help you find the best car insurance quote across multiple insurance providers including AXA.
In the event that you are looking to renew your policy or are getting insured for the first time, you can compare policy quotes across multiple insurance companies to find the cheapest price for the level of cover you require.

There can be quite a variance in prices quoted for car insurance. Therefore, we recommend shopping around.

Conclusion

There are many good insurance companies operating in Ireland. AXA sits among the top with respect. As a result, you should consider a policy from them if it meets your cover requirements and budget.

Furthermore, you can be confident as AXA Ireland is part of a global AXA brand.

All in all, AXA have established themselves as a major player in the Irish insurance sector.

Landlord Insurance – Rented Property

If you are a landlord you should consider taking out a rented property or Landlord insurance policy. As a result, you will have cover for certain occurrences that relate to your property.

What is Landlord Insurance?

This type of policy is different to standard home insurance. It covers landlords for loss of rental income if the property becomes unfit to live in (the amount varies per policy) along with other coverage.

Additional Coverage – Protect Your Investment

The right policy will also cover the landlord if alternative accommodation is required.

Coverage type and the amount covered varies from policy to policy. Therefore, you should shop around. We are happy to help you find the policy that meets your needs.

Multiple Properties

If you have only one property or if you are a landlord who owns multiple properties we can help you save on your landlord insurance. After all, comparing quotes from multiple insurers will help you find the coverage that you require at the best price. Give us a call on 0818 224433 / 042 9359051

Types of Coverage for Landlord Insurance

Many Landlords opt for buildings only insurance. However, in the event there are substantial furnishings and appliances that you own in the rented property, you may want to also include contents insurance.

Many policies include the following as standard, for this reason, be sure to read what additional coverage your policy includes:

1. Loss of rent and the cost of alternative accommodation if nobody can life in the home due to damage caused by insured perils such as storm, fire, smoke damage etc.

2. Fire brigade charges up to a specified amount.

3. Replacing locks, including keys, to any outside door of the home if the keys have been stolen.

For landlord insurance with building insurance and optional content insurance, simply fill out our landlord insurance quote form or give us a call on 0818 224433 / 042 9359051.

If you have any questions we are delighted to help. Our insurance advisors can help you find the right policy for your rented property or if you have multiple properties, for your property portfolio.

We have vast experience finding suitable insurance policies that meet the needs of landlords. As a result, we can help you find a rented home insurance policy that meets your requirements.

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Car Insurance with a Criminal Conviction

What is Convicted Driver Insurance?

Convicted driver insurance is insurance for a driver who has a criminal conviction. The cost of insurance is usually higher when the driver has a previous criminal conviction.

Does a criminal conviction make it harder to get car insurance?

A criminal conviction makes it harder to get car insurance. Surprisingly to many, this does not only include convictions that relate directly to driving. Any conviction may result in certain problems when seeking car insurance.

How to get car insurance when you have a criminal conviction

The first thing you need to do is disclose your conviction to your insurance broker and insurer. Never hide your conviction because it will lead to problems down the line. It may result in your policy being voided.

It is also important to know that any conviction must be disclosed even if the event or the conviction happened after the policy of insurance was taken out.

This is something that can easily be forgotten but is just as important as disclosing the conviction when the policy is taken out. In this circumstance, it is up to the policy holder to make contact with their insurance provider and notify them about the conviction.

There are insurers who specialise in policies for people with convictions. It is possible for a convicted driver to shop around to find the best quote.

Spent Convictions – Car Insurance

What is a “Spent” Conviction?

Some convictions are regarded as “spent” after 7 years. The 7 years is counted from the date of the sentence (conviction).

These are:

  • All convictions in the District Court except for convictions for dangerous driving and a single conviction in either the District our Circuit Court which resulted in a prison term of less than 12 months or a fine
  • Convictions for a sexual offence or an offence tried in the Central Criminal Court must always be disclosed and are never “spent.”

Up until 2016, there was no set time in Ireland whereby there was expungement of adult criminal convictions after a set period.

In terms of insurance, it is really a lifelong punishment since all insurance companies ask, at the time of new business quotation and/or renewal, whether there has ever been any criminal convictions.

The 2016 act states “If you have been convicted of fraud, deceit or dishonesty in respect of a claim under a policy of insurance or a policy of assurance, you have to disclose that conviction on any insurance or assurance proposal or form.”

Failure to disclose such convictions could mean that your policy is invalid and cancelled from inception date – effectively meaning that cover never existed. It will also mean that any claim will not be paid.

It is important to note that these rules apply to all insurance policies, not just car insurance.

Questions Insurance Brokers/Companies will ask a Convicted Driver

At quoteme.ie we ask the following question when we receive an application for car insurance:

“Have you or any driver who may drive your car ever had any convictions for any offence of any nature or any pending prosecutions?”

Convicted Drivers Insurance

In the case where the offence resulting in the conviction was related to driving you will have to disclose details. For example, in the case of seeking car insurance for a person convicted of a drink driving related offence a number of additional details are required.

A number of insurance companies provide quotes to convicted drivers. We get quotes on your behalf from these insurers so you can select the best quote.

Convicted drivers insurance can be significantly higher than a driver without a conviction. That’s a key reason to shop around for your quote. We can help you get cheap convicted drivers insurance. Everyone’s circumstances are different. You may be surprised at how much you can save on your policy.

Convicted Driver Insurance and Drink Driving Insurance

We help drivers with a drink driving related conviction get car insurance. During the application process, we require additional details from the applicant that relate to their conviction.

If you have a drink driving conviction, we have a number of insurers willing to quote for your car insurance.

In order to get an insurance quote for a driver who has a drink driving conviction we require the following details:

The date of the offence and the penalty you received.
Since 2011 your penalty will reflect the offence so we no longer need to know the statistics around your blood/alcohol levels at the time of your offence.

A major factor in determining the cost of your car insurance policy will be around the penalty you received. If you were disqualified from driving for more than 2 years, you will have lost your no claims bonus, with the obvious consequence.

Even if you have a drink driving conviction it is worth shopping around for quotes. Many insurers will give you a quote but in our experience, this can vary according to a number of factors.

We can help you find the lowest price quote from insurers who have policies for drivers with a drink driving conviction.

Our insurance professionals can help people with convictions get the best possible quote for their circumstances. We recommend that you give us a call and we will do our utmost to find the best quote for you.

Insurance for a Driver with a Conviction

For a driver with a conviction, it is more difficult to get car insurance. Quotes are higher for individuals with a conviction than for people without a criminal conviction. However, this increase in cost can be reduced.

Over the years we have seen many convicted drivers make substantial savings on their policy. Even though the quote will be higher if they did not have any convictions, shopping around does pay.

Please call us for a quote. We will compare insurance companies that insure convicted drivers and are happy to walk you through the application process. Our friendly insurance professionals will make it easy for you to provide all the required details.

Call us on 0818 224 433.