Am I Still Covered If Something Happens To My Home During A Gap In Cover?

Mind the gap – because it could mean the difference between getting compensated for damage to your home and being left out of pocket.

Gaps in home insurance cover may occur if you change or renew your policy and it doesn’t take effect immediately, or if you miss an insurance payment. For example, if your old policy ends on Monday and you don’t renew or initiate a new one until Wednesday, it could be a big problem if anything happens to your house on Tuesday when you aren’t technically insured.

Read on to discover more about coverage gaps, and what you can do to avoid lapses.

When do gaps in cover happen?

Coverage gaps occur when you miss a payment (or multiple payments, depending on the terms and conditions of your contract), or when your policy expires without having a new one in place.

So in a situation where your renewal date occurred on a Friday and you forgot to renew it, you are ‘off-cover’ for the weekend. You can of course arrange a new policy on the following Monday – but the cover only commences from the time you pay the new premium.

Is it dangerous to have a cover gap?

Absolutely!

If you don’t pay attention to when your policy expires, you’re taking a big risk because your property won’t be covered in the event it is damaged or destroyed and you may lose items of sentimental and/or monetary value.

If anything happens to your house or contents during a gap in cover, you probably won’t be able to claim and even if you can, you may incur a hefty fine for doing so. It’s always best to avoid a headache and ensure you have insurance at all times.

Will a gap in cover affect future policies?

It might. If you miss your renewal date, your old policy may be cancelled – and while a replacement policy might be available, it could be at a higher premium.

It’s important to remember that a late payment is a late payment, no matter the reason – it doesn’t matter if you expected more notification, are having financial difficulties or just forgot.

What’s worse, other insurance companies might refuse to cover you depending on the small print in their policies.

The myth of the “grace period”

Many people believe that if a gap in coverage occurs, they may still be covered by the original provider. Unfortunately, this is rarely the case.

The fact is, if your insurance provider accepts a late payment that does not mean you have a grace period. Just because you pay them what you owe, doesn’t mean they’re obligated to cover you after the policy ends, and paying late will most likely result in a gap in cover.

It’s easy to renew cover

Avoid a home insurance cover gap by making sure that your policy is renewed or your new policy is in place before the expiration date. If you miss the deadline even by a day, your policy will break and you’ll have to buy a new policy instead of renewing.

If you’re having trouble with payment at renewal date, call your provider and explain the situation. Insurers are human, and will help you any way they can so you remain covered. They may be able to offer you monthly payment plans or automatic direct debits.

Once it’s gone, it’s gone

Well, with one (possible) exception.

If you have a relationship with your broker and forget to renew your policy, a phone call explaining the circumstances will often – but not always – lead to the broker giving you credit and paying on the insurer to renew the policy. If you’re insured directly with an insurance company, this would not be the case; once the renewal date passes, you are off cover

But that is the exception – not the rule.

The main thing to remember is the answer to the question at hand here: your home will not be covered during a gap in insurance.

“Grace periods” are at best an informality that can’t be replied upon – and at worst, a myth. Even if your insurer accepts a late payment this does in no way guarantee your home is covered in case of an emergency.

Gaps or breaks in your home insurance cover can turn into costly and potentially devastating mistakes.

If you can, always set your policy to auto-renew, or talk to your broker about your options in this regard.

If you’d like to switch policies make sure this happens well before your old policy expires to keep your home and possessions safe.

Talk to us in QuoteMe.ie with any of your Home Insurance queries.

One of the benefits of using a home insurance broker is that you can call us with any of your questions and we can give you expert advice. So, if you have any queries regarding your home insurance please call us on 0818 224433 or 042 9359051.  Our Home Insurance team are on hand to answer all your questions.

You can also get an instant home insurance quote online. We compare the market to get you the right cover for your specific requirements.  We look forward to hearing from you.

Low-Hanging Fruit: The First Changes To Make If You Move Into A House With A Low BER Rating

A BER (Buildings Energy Rating) measures how energy-efficient your house is.

According to SEAI, most houses built before 1990 in Ireland score a D rating or worse – which is bad news for the environment, as well as your pockets.

The good news is that a little bit of work goes a long way – particularly if you’re starting with a low rating – and you can vastly improve the efficiency of your home just by focusing your energy (no pun intended) on a few tweaks.

Replacing your boiler

The warm, beating heart of your home might need some serious surgery – or perhaps a transplant. Choosing the right boiler for your house is critical.

Conventional boilers are heat-only, which means you’ll normally find a cold water tank in the attic and a hot water tank in the airing cupboard. These tanks feed the boiler, which heats up the water before it reaches the tap – which isn’t a particularly efficient approach.

Combi boilers provide rapid hot water by firing up as soon as you turn the taps on, heating only what you need as it comes through the pipes, and using less fuel as a result.

These boilers are expensive upfront – usually starting at around the €1,750 mark – but a good one will save you money in the long run. They’re also often found in kitchens and can be disruptive to replace, so they’re worth looking at before you plan any other renovations.

Installing (or updating) your thermostat

Most houses have a little box with a dial on the wall that lets you decide how warm your home should be – but if not, and you’re just using your radiator TRV’s (valves) to control the heating, you could be losing money.

Thermostats let you regulate temperature, and automatically shut off radiators when your home is cosy enough. Most models also allow you to create heating schedules.

Better still, more modern ‘smart thermostats’ also come with an app that let you monitor your usage, switch off the heating if you’re away from the house unexpectedly, or stick on the heating while you’re on the way home from work.

Imagine: between your smart thermostat and your combi-boiler, you’ll forever be spared the fear of going out and leaving the immersion switched on. Isn’t the future great?

Adding attic insulation

As you’ll know if you paid attention during Junior Cert Science – or if you ever singed your eyebrows after opening an oven – heat rises.

For most houses, that means the heat from your rooms travels upwards into the attic or loft – and if this space isn’t treated, you could be pumping heat into the sky, wasting energy and money in the process.

According to SEAI, a non-optimised home loses an average 20-30% of its heat through its roof.

Attic or rafter insulation is generally one of the most cost-effective energy efficiency upgrades, and grants may be available to help you improve the insulation of your home. Typical insulation materials used are semi-rigid insulation boards as well as glass/mineral fibre; the material may depend on the depth of your joists or rafters, and it’s always best to get professional advice even if you install insulation yourself.

Of course, to hark back once more to science class, every action has an equal and opposite reaction – and while your house will get warmer, your attic will get colder.

So if you have a cold water tank, you’ll need to insulate it to prevent freezing in cold weather – another reason why it might be best to install a combi boiler and get rid of the tank altogether.

Resealing windows

Like the attic, a home can lose a lot of heat out of its windows, even with double glazing (particularly for older installations). And while a full replacement of all your windows might not be affordable, there are short-term fixes available.

If you notice condensation on an internal pane of glass, draughts from the window, or noticeable wear, tear or gaps around the seal, it’s time to freshen it up.

You might be able to feel where a draught is coming in if it’s bad enough. Plug up the gap for now, then call in the professionals, as resealing windows isn’t best attempted on your own.

Installing ‘smart’ bulbs

Lighting accounts for a good chunk of a typical household’s electricity bill, so swapping out your bulbs before you get settled is definitely a bright idea.

LEDs are the most efficient light bulb on the market. They are available with varying degrees of colour, brightness and temperature – from warm white to cool white – and are available in almost all fittings.

For the ultimate in energy-saving savvy, try smart bulbs. These are more expensive, so try and think what rooms would benefit most – you probably won’t need to remotely dim the light in the garage, for example, or change the colour in the front porch.

For the most part, though, smart lights will save money in the long run by being easier to switch on and off – and they’ll also provide home security while you’re out [link to security article].

These small changes might not be the cheapest in the short term, but they’re always best done just as you move in. By optimising your heating system, insulation and lighting, you’ll keep your home safe and comfy for years to come.

Potential Impact on Home Insurance

When you are undertaking any significant home renovations it’s important to talk with your home insurance provider or broker to discuss the impact that they may have on your home insurance. It also gives you peace of mind of knowing you are covered if something goes wrong. Feel free to call us on 0818 224433 or 042 9359051 and talk to one of our Home Insurance experts. They are on hand to answer all your questions. You can also get an instant home insurance quote online. We compare the market to get you the right cover for your specific requirements. We look forward to hearing from you.

7 Smart Home Gadgets That Will Make Your Home Safer, More Secure – And More Comfy

We haven’t quite managed to invent futuristic robot butlers to cater to our every need – but here in the real (not movie-version) year 2020 you can buy a range of affordable, impressive home gadgets to automate tasks and make living easier.

Most require no technical knowledge to install and no specialist equipment except your smartphone. Here’s seven clever solutions that are worth checking out.

Smart Home Alarms

Cheap to buy and easier to install than a hard-wired alarm of old, these new security systems are wireless and come with a range of features to suit every budget and property.

Choose one with motion detectors if you have windows or other entry points in vulnerable locations, or with video and imagery capability if you want pictures of possible intruders sent directly to your phone.

Although not essential for it to work, many smart alarms come with dummy boxes that you mount on the exterior of your house to deter criminals.

As an added bonus, approved (and properly maintained) alarms will get you a discount off your home insurance – ask your broker what’s on offer!

Video Doorbells

See who’s knocking at your door even while you’re out of the country with smart doorbells from Ring and Aquarius.

It will notify your phone when someone’s at the door, and some send you live video while others can alert you even if the doorbell is not pressed by using an in-built motion sensor.

Google’s smart doorbell even has facial recognition, so it can recognise friends and relatives (subject to their permission, of course! You always have to comply with GDPR).

The Nest Hello includes pre-recorded messages – like an answer machine – that mean visitors get a response even when you can’t access your phone. This provides extra security, as it will seem like someone’s at home at all times.

Smart Lights

Lightbulbs from Philips Hue, LifX and now even IKEA make it easy to control your home’s lighting on the go. You can set up groups for rooms with multiple lights, and create a romantic mood without even getting up to dim the switch.

Smart lightbulbs can also display a rainbow of colours and cycle from cool to warm light, unlike traditional bulbs. While a little pricey they will last a lot longer than traditional bulbs, and you can set up routines to make it look like someone’s in the house – or just wake up to a gentle (simulated) sunrise.

Smart Thermostat

The Netatmo thermostat is one of several smart solutions on the market that make it easy to control your heating from an app or virtual assistant. It interacts with your boiler to control when your radiators turn off and on, and can send you energy reports.

Netatmo also make smart radiator valves which display the temperature of each radiator in your home and can be controlled by the main hub, making it easier to keep your home above freezing while you’re away.

Plug-in Heaters

The Lloytron stay warm heater plug is a super little device that’s very useful for unoccupied homes during cold spells. Plug it in, and the little ceramic fan assisted heater provides instant heat and acts as a thermostat feature for maintaining a minimum ambient temperature.  This retails for only €39 – much cheaper than burst pipes!

Whether you just need a little extra heat in a cold home office or need to keep plants happy while you’re away, you can combine the heater plug with a timer plug for maximum control on the go.

Smart Plugs

Why invest in smart devices when you can make all your existing home gadgets smart with one purchase? Smart plugs plug into mains sockets, and can themselves be plugged into – letting you switch it on and off from your phone or virtual assistant.

An update of the old clock-type timer plugs, smart plugs make it possible to turn lamps on and off, or even your television or Christmas lights. Better yet, you can swap the plugs and don’t have to commit to making one device “smart”.

Motorised Blinds and Curtains

Yes, even your window fittings can now be smart – providing the ultimate in remote home security. Motorised blinds and curtains you can control with a remote have been around for a little while, but now you can find ones that work with apps as well as Google Home and Alexa.

Set up routines for morning and evening, and you’ll never have to worry if your home looks “lived in” again. And when you’re back from holiday, you’ll be able to wake up well-rested and see the sunrise with just a simple voice command, without ever leaving the duvet.

Smart home technology needn’t be intimidating, and while most solutions are geared towards modern comforts they will make your home more secure. Whether deterring burglars with voice messages or making your home appear occupied, these gadgets are a smart investment to keep your property and loved ones safe.

Talk to us in QuoteMe.ie with any of your house insurance queries.

If you have any questions regarding home insurance and whether using any smart appliances affects your home insurance cover feel free to call us on 0818 224433 or 042 9359051 and talk to one of our home Insurance experts. They are on hand to answer all your questions. You can also get an instant home insurance quote online. We compare the market to get you the best cover.  We look forward to hearing from you.

What Does Home Insurance Cover – And What’s Left Out?

Every home needs to have home insurance, just in case the worst happens.

Without it, if your property or possessions are damaged or destroyed, you face the second blow of not receiving any compensation for the loss.

But it’s not always clear what a so-called “standard policy” includes and what kind of cover you can expect – particularly as it can often differ from one home insurance provider to another.

In this guide, we’ll strip it back to the ‘core elements’ and let you know what to look out for when organising cover for your home.

What’s covered in typical home insurance?

When a standard home insurance policy includes buildings and contents, you can expect the following to be covered:

  • Your house – walls, ceilings, the structure and any fixtures or fittings that can’t be removed from the house
  • Its contents – furniture, carpets, appliances, TV, ornaments, etc
  • Your personal effects – clothing, bags, jewellery, sports equipment, bicycles, etc

The maximum value of the items you can claim on (contents up to a certain amount, e.g. €100,000) will be stated clearly in your policy. Most policies carry an excess, which means that you won’t be covered for the first few euros of a claim. A typical excess may be between €150 and €250.

Most policies offer new for old cover, which means you get the full replacement cost of items that are lost, stolen or damaged. However, some policies will only offer you the amount that your items are worth at the time of the claim.

What’s usually not covered?

You’ll have to pay extra to cover possessions that you regularly take out of the home, like cameras or jewellery. This is  known as ‘All Risks’ Cover, which is designed for higher-valued items.

Your home insurance policy may not cover the contents of a freezer or pantry, or damage caused by a computer virus. These may be insurable, but they will not typically fall under a standard home cover policy.

What kind of events are covered?

Any damage to your home or possessions caused by fire, flooding and storms, as well as theft, is usually covered, as well as damage from subsidence or burst pipes.

Always check your policy, especially if you live in a high-risk area like a flood plain.

You cannot claim through your home insurance if your contents are stolen through deception – for example, if you give your keys to a tradesperson who then steals from your home. Any damage caused by general wear and tear will not be covered, such as your carpet wearing thin over the years, and most policies will restrict and reduce cover if your property is unoccupied for a long time (typically 40 days).

Buildings insurance will not normally pay out for damage due to acts of war or terrorism.

Optional extras for home insurance policies

Many home insurance policies offer extra cover for an additional fee, but some may be already included.

Accidental damage can include spilling wine on your carpet or knocking over your TV and it’s one of the most common insurance add-ons, but bear in mind that if you have children or pets your cover may cost more.

You can also take out extra cover for your garden, to insure your plants and ornaments.

Bicycles are only normally covered by house insurance if they are stored inside the house: extra cover will insure your bicycle while it’s in a garage or chained up outside, as well as out and about.

Things you might not know you needed to insure

Some companies now offer separate ‘download insurance’ if you’ve purchased games, music or other digital downloads that you aren’t able to recover if you lose your laptop or device.

Home insurance generally includes liability cover, should a visitor be injured in your home and you’re deemed negligent – remember to check if this is the case when you review your policy.

But if you store money at your property – in a savings jar, for example – in all likelihood you have personal money covered, but you should check the limit of this with your insurer, particularly if you are keeping large amounts of cash in your home.

Don’t forget to make sure the cost of your food is covered if you have expensive ingredients or a large family. If your freezer or fridge breaks down and you lose a month’s worth of food, that will be expensive to replace.

This, of course, is just a top-level broad guide to what to expect (and not expect).

Always read your home insurance policy carefully, and if you find the small print impossible, ask your broker to explain it to you.

A good idea is to ask yourself: if the worst happened, what would I be most upset at losing? Make sure that is covered in your policy first, then check off anything else you can think of.

Talk to us in QuoteMe.ie with any of your house insurance queries.

If you have any questions regarding home insurance please call us on 0818 224433 or 042 9359051 and talk to one of our home Insurance experts. They are on hand to answer all your questions. You can also get an instant home insurance quote online. We compare the market to get you the best cover.  We look forward to hearing from you.

White Christmas? 6 Things To Do To Keep Your Home Safe As Soon As It Starts To Snow

The kids may be in a festive mood, but grown-ups know all too well the holiday season can spell home insurance nightmares if things go wrong.

Burglaries are enough to worry about during the winter months – but complications from bad weather is also an increasing concern as climate change means our winters are more intense.

Luckily, there are many things adults can do to keep things running smoothly so they can feel like a kid at Christmas.

Prevent freezing pipes

Water expands as it freezes, and if your pipes get cold enough the ice inside will make them crack and burst. This also happens if pressure builds up behind a chunk of ice – for example, if a pipe develops ice outdoors but runs into your home where it’s warmer.

Burst pipes cause massive damage and potentially catastrophic claims, so keep taps dripping in very cold weather to prevent ice build-up. Drain water from outdoor taps and cover them with foam insulation (or an old sock), and disconnect and store hosepipes and sprinkler systems.

Also, make sure to insulate water pipes that run through unheated areas of your home, such as the loft, cellar, or garage.

Stop ice dams

Ice dams form when heat escapes through your roof and melts any settled snow. This water flows to your roof’s edge and refreezes, usually at the eaves. Those pretty icicles? They’re a sign a nasty ice dam is forming underneath – and slowly melting snow can’t properly drain, potentially causing a leak in your roof and water damage in your home.

Clogged gutters and downspouts are the number one cause of ice dams, so clear them of autumn leaves soon before the first snow to keep things flowing as they should. Insulate your attic well so that snow isn’t melted by escaping heat, and you’ll enjoy the added benefit of lower energy bills.

Clean fireplaces and chimneys

If you’re lucky enough to have a wood-burning stove or real fireplace, check it’s clean and free of birds’ nests before you before you light up your first cosy fire of the season.

One danger of an unswept chimney is that soot and debris may catch fire. Get in a professional chimney sweep to do the job, and keep your home’s warm air from escaping out the chimney when you’re not using it by keeping the flue closed all the way. If it’s working properly, you shouldn’t be able to feel any cold air coming down the chimney.

Stock up on winter essentials

We don’t mean chocolate oranges and Baileys (although, ‘tis the season) – there are several inexpensive household items that are even more important to keep around if you see a heavy grey sky this winter.

Snow and storms bring power cuts, shut shops and slips and falls. You’ll need candles and plenty of matches or lighters (with enough fuel), a well-stocked first aid kit including personal medication to last a couple of weeks, non-perishable food for a minimum of three to five days (including baby formula if you need it), bottles of water, toilet paper, soap, lots of blankets, torches plus extra batteries. It’s also good to have a working, fully charged fire extinguisher, as well as sand, road salt, and a shovel.

Clear paths and walkways

Even if you don’t plan to venture outside in the snow and ice, you may still be liable if someone injures themselves on your property and it’s best to keep walkways clear in case of emergency.

Road and path salt is readily available from many shops, and you should sprinkle this at the first sign of snow. You may have heard that cat litter makes a cost-effective solution – it does not, and the clumping kind is especially useless for traction.

You should also shovel driveways and the pavement outside your house – or ask the kids to do it for a bit of extra pocket money.

Inspect your security

You don’t need to be going away on vacation to be vulnerable over Christmas. It’s a notoriously high-crime time of year, and even occupied houses are more likely to be hit – so secure your house now to make it unattractive for opportunists.

Lock all garden gates and entry points you’re unlikely to use over winter, such as garages or outbuildings if they contain tools that are valuable or easy to grab – a burglar may use them to force entry. Make sure outdoor lights are working, consider investing in a home alarm system, and don’t leave packaging from large or expensive gifts outside: stuff it down into the appropriate recycling bin, covered by less attractive rubbish.

Use these tips and you’ll be able to enjoy a stress-free Christmas without having to worry about the weather, intruders, or emergencies.

What to do when something goes wrong?

That’s why you have home insurance in place.  It gives you peace of mind, knowing when something happens, that you are covered!  Remember, it’s important to check with your insurer what level of cover you have in place for your property and contents. You can do this anytime not just at renewal time.

Talk to Us in QuoteMe.ie with any of your Home Insurance Questions

If you have any questions regarding your home insurance please call us on 0818 224433 or 042 9359051 and talk to one of our Home Insurance experts. They are on hand to answer all your questions. You can also get an instant home insurance quote online. We compare the market to get you the best cover. Enjoy the festivities and Merry Christmas to you and your family. We look forward to hearing from you.

How To Keep Your Home Safe If You’re Heading Away For The Festive Season

If you’re on holiday for Christmas or New Year’s, you’ll be aware this can be a particularly dangerous time when it comes to theft and burglary.

Not everyone has enough Christmas spirit, and if you don’t protect your home well enough you may come back to a nasty surprise.

Read our handy guide to keeping your home and treasured items (as well as those gifts) safe this festive season.

Tell a trusted neighbour

If you have a neighbour or loved one that you trust nearby, let them know you’ll be gone and ask them to keep an eye on your property. Give them your phone number in case of emergency, but let them know to always call the police first in case they see anything suspicious.

If you feel comfortable, you can also give your neighbour a spare key and ask them to visit every so often to show a presence, switch lights on and off, and open and close curtains, or take the bins out.

Get rid of giveaway boxes

Large or expensive items such as new TV’s, computers, luxury clothes or designer jewellery can come with a lot of large, flashy packaging. If you leave this out for kerbside recycling, a thief can simply walk along and check your bin for evidence that your home is worth breaking into.

This is a particualrly pertinent point at this time of year – so remember to break down this kind of packaging, and cover it in the bin with plain cardboard or household recycling.

Better still, do a run to the dump or recycling facility before you go. And never, ever leave large boxes that are too big to be broken down behind your bins!

Install smart lights

Smart lights make it easy to set up an “away” routine so it looks like the house is occupied, even when it’s not.

Systems like Philips Hue or LifX are incredibly simple to set up – no wiring is required – and they work with remote assistants like Google Home and Alexa.

Smart lights can be controlled by an app wherever you are, so if you’re worried about a savvy burglar working out the lights are automated, you can switch them on and off at random – or even set them to a randomised schedule.

Nothing will deter a watching burglar more than seeing the toilet light come on at 2.34am, then going off again three minutes later…

Buy a video doorbell

If a thief is bold enough to knock on the door to determine whether your property is occupied, a doorbell with a video and speaker function will let them know someone is watching.

These doorbells allow you to view whoever is at the door from your phone, wherever you are, and ones with speaker functions let you hear and speak as well.

Tell them you’re home, and they’ll be none the wiser. Though most of them are savvy enough to avoid houses with these devices altogether, and look elsewhere for some easy pickings.

Set up an alarm system

Home alarm systems are now highly secure, and some of the most modern solutions come with smart technology that alerts you to suspicious activity wherever you are.

Some are discrete, while others are large and brightly coloured to deter would-be intruders. More importantly, though, many are able to send still images or even video of the intruders to your phone, and automatically alert the alarm central monitoring station, or indeed the guards – and the added security will generally reduce your home insurance premium.

Pause the post

If you’ll be away for a long time, guard against post piling up in plain sight by asking the postal service to pause delivery and keep your mail safe until you’re back.

If you’ve got a glass door or external postbox, too many letters are a dead giveaway your home is unoccupied. If you’re only away for a few days, consider investing in a letterbox cage to keep them off the floor – and at very least, add it to the checklist for your visiting neighbour.

Lock, lock and double-lock

It’s common sense – to the point where we need hardly say it – but you’d be surprised how often these things get missed.

When you leave, lock every possible entry into your home, including deadbolts. This isn’t just common sense; it has a real and material impact on the amount you can expect to pay for your home insurance premium.

You might not consider a second-floor window left ajar when you leave for work, but if a burglar spots it – or notices that no one comes to close it after a couple of days, particularly in the dead of winter – it could be both a giveaway and a point of entry.

Get rid of the ‘hidden’ keys in the garden

While great in an emergency, spare keys hidden in the garden can let a burglar into your house as easily as possible – and even worse, your insurance cover may be affected if you’ve left keys in plain sight.

Ideally take the keys with you, or lock them up inside the home, if you’ve not given them to a neighbour or house sitter.

At the very least make sure they’re not hidden anywhere obvious like a fake rock or under the mat. We’ve heard of people burying them in flowerbeds, in small tupperware boxes or cling film – which may not be particularly convenient when you’re returning home from the Christmas party at 1am without your keys, but might just keep your house that bit more secure.

Taking these simple measures will give you peace of mind to enjoy the festive season. Opportunistic thieves take no holidays, so make sure you make your property the hardest one possible to break into.

How to protect your home and contents

It’s essential that you have the correct level of Home Insurance in place for your house and contents. You may also have valuable items that you would like covered such as jewelery or home appliances. You should talk to your insurer to ensure that these items are covered. There may be an additional cost on your Home Insurance to cover these items.

Talk to Us in QuoteMe.ie with any of your Home Insurance Questions

If you have any questions regarding your home insurance please call us on 0818 224433 or 042 9359051 and talk to one of our Home Insurance experts. They are on hand to answer all your questions. You can also get an instant home insurance quote online. We compare the market to get you the best cover. We look forward to hearing from you.

Second Car Insurance in Ireland – How to Insure Your Second Car

So you have a second car and wish to get second car insurance. This is very straightforward.

You need to take out a separate car insurance policy to cover your second car.

Multi-Car Insurance Process

However, you can only insure one car per policy. Because of this, you can only use one no claims bonus per policy.

As a result, you must have two no claims bonuses if you are insuring two cars. If you are taking out second car insurance for the first time you will have zero no claims bonus on your second car.

No Claims Bonus Second Car Insurance – One Per Car

Unfortunately, you cannot use your no claims bonus on your second car. So, when you are insuring a second car for the first time you start a zero no claims bonus for your second car. You then build this up on the second car over time.

Benefits of Having Second Car Insurance

You can get the same benefits as the car insurance policy you have on your first car such as breakdown assistance, European cover, step back no claims, windscreen cover.

How to Get Cover

If you have any questions at all regarding your car insurance call us on 0818 224433 and talk to our qualified insurance advisors who will help you find the best cover for your second car insurance policy. You can also use our quote engine get an instant Car Insurance quote online in seconds. We compare the market for you to find the best car insurance cover for you. We look forward to hearing from you today.

What is “Fronting” And How Does It Affect You?

Fronting is the process of registering an experienced driver on a car insurance policy as the main driver while the less experienced driver is the named driver. However, the driver with less experience is actually the main driver of the car.

Common Cases of Fronting on Car Insurance policies

Typically, this is when a parent lists as the main driver for their child’s car.

This is actually fraudulent and ultimately will affect policies for honest people.

Many people are not aware of the consequences of fronting.

Criminals Use Fronting

However, there is a more nefarious use of fronting car insurance. Criminals often use it to get somebody else to insure themselves and then get added to the policy at a later date.

With the criminal element, there is also the risk of forged documentation.

At Quoteme.ie, we are regulated with the Central Bank of Ireland. We employ rigorous anti-fraud measures which are required.

As with all insurance fraud, the people that are affected the most are legitimate policyholders. Ultimately premiums are higher.

Conclusion – It’s is Not Worth the Risk

Yes, there may be short term savings. Your policy can be void. You will be required to pay full damages. Added to this the fact that you may be charged with insurance fraud and get a criminal conviction, the risk is simply not worth it.

If you have any questions regarding your car insurance policy contact us on 0818 224433 or 042 9359051 and our car insurance experts will answer all your queries. You can also use our instant car insurance quote engine to get quotes from across the market. We look forward to hearing from you.

 

 

 

 

Temporary Car Insurance – How To Get Cover in Ireland

What is Temporary Car Insurance?

Temporary car insurance provides car insurance cover from one hour to twenty-eight days. It is ideal if you need to drive a car, van or another vehicle for a specific period of time.

What You Need to Know About Temporary Car Insurance.

Like any car insurance policy, you need to read it and be aware of what exactly the policy covers. Also, you must consider any excess on the policy.

It is important that you stay within any mileage limits. If you exceed the mileage terms on your policy you won’t be insured. Obviously, this will lead to problems if you have an accident.

Another common issue is not keeping a note of the exact time your policy ends. It is crucial that you know when your policy finishes to the minute.

You have no coverage after this time. If you drive one second after this time, you are driving uninsured and therefore breaking the law.

Young Drivers

It is more difficult for young drivers than older drivers to get temporary car insurance.

Yes, we know that young drivers get the brunt of it. This can be difficult. If there is an option for an older driver to take out the policy and drive the car then this should be considered.

However, it is often unavoidable that the young driver needs to get cover. In this case, call us and we will try to find you a good quote.

Duration of Car Insurance Cover

You must be aware when your policy ends. You will not be insured after that cut off point.

We touched on this earlier. This is so important. Make sure you don’t make a mistake here.

Comprehensive cover is rare

Third-party fire and theft is by far the most common policy type available. It is difficult to get comprehensive car insurance on this type of policy.

Limit on Miles

A mileage limit is often set. You cannot go over this limit. If you will be driving the car a lot make sure you submit a fair assessment of the miles you will be doing.

We can help. Talk to us and we will find a policy that meets your mileage requirements.

Is short term car insurance available in Ireland?

Yes, but in a lot of cases, it can be difficult to get cover.  Call us today and we will see if we can help you get the car insurance cover you require.

Call us now on and talk to one of our Car Insurance experts on 0818 224433. We look forward to hearing from you.

 

How to Get Cheap Car Insurance – 9 Factors That Can Help

Let’s face it. More needs to be done to bring down the cost of car insurance in Ireland. Unfortunately, getting cheap car insurance involves many factors.

Personal Injuries Settlements and the Cost of Car Insurance

Our CEO, Caeva O’Callaghan has been an outspoken advocate for the reform of the Personal Injuries system in Ireland.

She appeared as a guest on the Pat Kenny Show, Monday July 16th on Newstalk and spoke on the subject.

Hear our CEO, Caeva O’Callagan on The Pat Kenny Show.

The Book of Quantum is discussed. You can download it here.

How to Get a Cheaper Car Insurance Quote

Outside of changes to Personal Injury legislation, what can you do to reduce your car insurance premium?

1. Get a smaller car – Smaller engined vehicles normally are cheaper to insure.

If you drive a smaller car your policy is likely to be cheaper. Therefore, think about buying a smaller vehicle.

2. Buy a newer car – Significant savings can be made.

Old cars cost more to insure. The trend that we see is that car insurance companies prefer to insure newer cars. Car Insurance Quotes for relatively new cars reflect this by being cheaper than quotes for older cars.
As a result, look at the cost of buying a newer car while considering the cheaper insurance quotes you will receive.

3. Don’t drive an electric car.

Electric cars and hybrids are more expensive to insure. Insurance companies say that the cost of repair is higher for these cars. Therefore, this must be reflected in their policy quote.

4. Become middle-aged – middle-aged people have cheaper car insurance

Well, generally people over 25 have cheaper car insurance.  If you are under 25 you probably consider people over 25 consider middle-aged.
If you are a young driver, although you can’t do anything about it now. You may get some satisfaction that in years to come you may be paying less for car insurance.

5. Move to Donegal

Fantastic cliffs and cheap car insurance. Areas with less traffic and lower levels of crime will help bring your car insurance.
Therefore, moving to an area with those criteria may help to reduce your car insurance quote.

6. Get a boring job – Office workers who don’t drive for a living get cheaper quotes.

So, when you have been asked by your boss to alphabetically file last years orders. Just remember that you are likely to have cheaper car insurance than the flashy salesperson upstairs.

7. Nul Points  – No points on your licence

Self-explanatory. It’s not the Eurovision so no points are a good thing with respect to cheaper car insurance quotes.

8. Have a No Claims bonus – substantial reductions here

Some insurers give no-claims discounts of over 70%. As you can see substantial savings can be made.

9. Compare Car Insurance Quotes

It’s common sense. Get car insurance quotes from multiple insurers. Therefore, you can select the best quote.
Use QuoteMe.ie Quote Engine to Get the Best Car Insurance Quote

Personal Injury Settlements – Car Insurance Prices

As you can see, for some instances you can’t do much about your situation. It’s not practical or possible to change the type of work you do or where you live.
However, by reforming Person Injury legislation and also reducing insurance fraud can help everybody who is looking for a cheaper insurance policy.

Talk to Us

If you have any questions on Car Insurance call us on 042 9359051.  We are always happy to help.