Buildings insurance covers the structure of the home together with its fixtures and fittings: it covers the cost of repair or rebuilding. Contents insurance covers the contents of your home, the possessions you would take with you if you moved house.

It covers the main structure of your home. You will be covered if the buildings are damaged by Fire, Malicious Damage, thieves and other specific perils your policy will cover the cost of rebuilding or repair. It also covers any permanent fixtures in your home like built-in wardrobes, kitchen surfaces, taps, basins, baths and showers.

When calculating your buildings sum insured it is important that this is based on the rebuilding cost including all finishings and foundations but excluding the value of the land and NOT the market value otherwise you may be paying a higher premium for nothing.

A higher level of cover is available.

Contents insurance covers the contents of your home and your personal possessions – all the things you would normally take with you when you move house. Your furniture, computer, entertainment equipment, valuables, clothing, personal effects – even the food in your freezer! You may be asked to specify certain higher valued items on the policy. Make sure you check the terms of your individual policy so that you can buy additional cover if needed.

When calculating your contents sum insured it is important that you base this on the new replacement value since your policy will be based on a New for old.

Yes. Below are a few discounts you can be entitled to:-

• Discount if you have your car insured with us
• You may increase your excess for a discount

Yes, some sections do have an excess & normally it is €50