Am I Insured if my Dog Bites Somebody?

Am I Insured if my Dog Bites Somebody?

My dog bites somebody. Am I covered?

The simple answer is yes, if you have home insurance. Your home insurance policy will cover you, as owner or occupier for any amounts you become legally liable to pay as damages for bodily injury. In fact, this cover extends beyond the boundaries of your property. So if your dog escaped from your garden and bit somebody, or caused an accident resulting in bodily injury or damage to property, your household insurance policy would come to your assistance. One exception – all home insurance policies exclude dogs specified in regulations under the Control of Dogs Act 1986 or any amendments thereto.

A word of warning, if your dog bites somebody or causes an accident, report it immediately to your insurance company even if you don’t think a claim will arise.

Smart Steps to get Cheap Car Insurance

Smart Steps to get Cheap Car Insurance

When you receive your car insurance renewal notice, it’s very easy and tempting to just go ahead and pay the premium and stick with the same insurer. That could be a costly mistake, because you might get a much better deal for cheap car insurance by switching car insurance companies.

If you find a premium that beats what you’re currently paying and you decide to change insurer, you need to be careful so you don’t end up with a gap in your cover. Follow these steps to a successful switch.

Shop around. The best time for checking out the prices offered by other insurers are when you move, when you buy a new car, or when you receive your car insurance renewal notice which will be at least 3 weeks before your due date.

Compare Car Insurance Rates Here

You should gather at least three different quotes. You will also want to know what is covered and what extras are included in a possible new policy. If you would prefer somebody do this research for you, Click here for an online quotation which checks the prices from at least 10 different insurance companies in Ireland.

The next step is to contact your current insurer who may be may be willing to fight to keep your business! It’s amazing how quickly some insurers offer competitive discounts when you threaten to leave. Many companies will try to match or beat a rival’s quote.

While you are talking to your current insurer check that you are getting all of the discounts you are entitled to. For example, you might qualify for discounts if you have another policy with the company, such as a second car, a van or your home insurance.

If you ultimately decide to move insurer, do consider taking all of your business with you. That way you will bet your new insurer’s multi-policy discount

Can switching car insurance cost you?

If you decide that changing your insurer is the right option for you then you need to find out if there are any penalties for cancelling your car insurance policy mid-term. This is very important if it is your first year with an insurer. Many insurers in Ireland charge “short period rates” if you cancel your policy before it expires at renewal date. Short period rates = expensive! So, if you are cancelling in the middle of the term, it is wise to check with your insurer to see whether you will get a full pro-rata refund or whether they will be charging you short period rates.

Investigate the new company. Check out an insurer thoroughly before signing on. Typically people go to the Ombudsman with complaints because of claims payments. You want to be sure other people are happy with the way they resolve complaints. You want to know if your claim is going to be paid. Is it going to be paid quickly or not? Is this an insurer that is likely to say it’s your fault if you’re in an accident?

Health Warning: Don’t sign on with an insurer just because it offers the lowest price. Some insurers offer great rates but sorry claims service.

Mind the gap. You want to make sure that there will be no gap in coverage as you change insurers. Don’t cancel your insurance before you have your new policy in place. It is a good idea to have something in writing from your new company before communicating your intentions to the old one.

Remember that there are no days of grace with a motor insurance policy. You must ensure that your new insurance policy starts before the old policy lapses automatically at renewal date. A lapse in insurance cover could lead to serious legal and financial challenges for you if you have an accident.

Open Driving vs Driving Other Cars

Open Driving vs Driving Other Cars

The Difference between Open Driving and Driving Other Cars

There seems to be quite a bit of confusion between “open driving policies” and a car insurance policy which allows driving other cars. I will attempt to explain both so that the differences become clear.

Open Drive means that a person can drive a car with the permission of the car owner. It is a really useful addition to have on your policy. Say you have relations visiting from overseas – they can hop in your car to run an errand or sight-see. The cover your have on your car insurance policy will apply to all drivers of your car, so if they have a tip and you have comprehensive cover, the damage will be insured under your policy. This could of course affect your no claims bonus so you should consider the driving ability of the person before you hand over the keys to the car.

There are different types of open driving. Full open driving is the widest type and means that anybody can drive your car with your permission as long as they have a driving license. Restricted open driving is normally like full open driving but between certain ages – normally 25 and 70 years of age. Sometimes, restricted open driving can also specify that the driver must have a full license or even a full European license.

Driving Other Cars is very different. If you, as a car owner and therefore a car insurance policyholder, have a Driving Other Cars extension (and most car insurance policies have this extension) it means that you can drive a car belonging to another person, with their permission of course. If you have an accident while driving this car, your own car insurance policy will cover the third party element of the claim and even the own damage element of the claim if the extension is “Comprehensive Driving Other Cars”. So from your point of view, it is better to be named on a policy when driving a car that belongs to somebody else rather than depending on your driving other cars extension from your own car insurance policy.

Is NoNonsense.ie really MORE nonsense than a Standard Policy?

Is NoNonsense.ie really MORE nonsense than a Standard Policy?

Contrast a Quote from Nononsense.ie with a Quote from QuoteMe.ie

We were intrigued with the concept of building your own car insurance policy. Whether you really can get a cheaper car insurance quote by building your own, custom made car insurance policy. So we tried it.

Customer Details: Accountant working in Accountancy Practice, aged 37, full Irish license, 4 penalty points, full bonus driving a 2014 Toyota Yaris 1.0 Iona valued €10K, living in Louth and using the vehicle for social, pleasure & domestic as well as commuting to work.

No nonsense quotation for comprehensive cover including full bonus protection and a policy excess of €300 is €464.85.

QuoteMe.ie quotation for comprehensive cover including full bonus protection and a policy excess of €250 is only €390. Already €74 cheaper than the quote provided by No nonsense.

But the differences don’t stop there! Full bonus protection from QuoteMe.ie means that you may have 1 unlimited claim during your year of insurance and your bonus remains intact. Full bonus protection from No nonsense means that you can have 1 claim with no more than €10,000 paid out in order to maintain your no claims bonus. This is a major difference between the two protected no claims bonus features. When people are injured in car accidents, the amount of the claim starts to accumulate very quickly. If you want to protect your no claims bonus, you need the protection offered by QuoteMe.ie.

No nonsense Build your own

We then tested the “Build your own” car insurance policy on the No nonsense website using the same details. The first thing we noticed that the cover automatically reduced down to TPO and featured a price of €307.40. The price is highlighted and is very low. However, this is only providing you with the absolute minimum cover to legally drive on the road. We clicked on the comprehensive button and the basic price increased to €399.76. So the price is already nearly €10 more expensive than the price offered by QuoteMe.ie and this is before we add on the features that we may want. To add on step back no claims discount protection, add €33.69 or “full” protection (which we have already pointed out is inferior to that offered by QuoteMe.ie) add €63.18. To include driving other cars add €10.50, breakdown assistance adds €26.25 and to reduce your policy excess to €250 add another €9.24.

 

Summary

When we add all of the features to the basic No nonsense price, we end up with a premium of €508.93. Significantly more expensive than the price offered by QuoteMe.ie and inferior full bonus protection cover offered by No nonsense.

Quotations done on June 12, 2014

Setanta Insurance Customers Please Read

We deeply regret the closing of Setanta Insurance and the impact that this is having on those customers of ours insured with the company.  We are also very sorry for the people who are employed by Setanta and whose job future is now uncertain, a sad time for them.

If you are one of our existing Setanta Insurance customers we are arranging cover with an alternate insurer on your behalf. We are ringing every customer who has provided us with a phone number – we need to speak to those who have yet to make contact with us to explain the cover options available.

Please phone us on 0818 22 44 33 to speak to us about your insurance, the sooner we place your business elsewhere and cancel your Setanta policy the sooner we can request a refund from Setanta for you.  It is uncertain the level of refund that Setanta will be able to pay; our sense is the sooner we cancel, the larger the amount that may be retrievable for you, but we cannot confirm at this time what refunds will be paid until we get further updates from Setanta.