Help Centre

Depending on your insurer, Accidental Damage covers you for accidental damage to your buildings and/or contents in your home at an increased premium. Please refer to your Policy Booklet for further information on Accidental Damage Cover. 

It is not necessary to purchase this optional extra in order to purchase a Home Insurance Policy. 

If you have an emergency in your home, Home Emergency Assistance will provide a repair service to secure your house and help prevent further damage from occurring.

Depending on your insurer, cover is available for up to €260 per incident/3 call-outs per policy year with Aviva or €300 per incident/4 call-outs per policy year with Allianz.

If you experience an emergency at home, please telephone 091 501 698 for Aviva policies or 01 613 3990 (option 3) for Allianz policies.

This cover is underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY. Please note, an excess is not payable when using Home Emergency Assistance. 

The excess on your Home Insurance Policy refers to the amount payable by you, in the event of a claim. Under this policy, you will be required to pay a standard excess. You have the option to increase the excess, which will reduce your premium.

Please refer to your policy documents to find out what excess is applicable to you.

The reinstatement value is the cost of completely rebuilding your house from scratch, less the value of the site, including architects' and surveyors' fees. This is the figure your house should be insured for. 

Landlord Insurance is designed for those who rent out a property and need full protection for the building and any contents they provide. It includes cover tenant-related risks* and public liability.

If you’re letting a furnished apartment and only need Contents Cover, see our Landlord's Contents Insurance.

If you need full cover including the building, see our Landlord's Insurance.

*Please refer to our policy booklets for full cover details and terms and conditions that apply. Discounts, cover limits, and terms and conditions are dependent on your insurer and those applicable to you will be outlined in your policy documents.

Yes, cover for flood, storm, and related water damage including damage from heavy rain, overflowing rivers, and burst pipes is included as standard on all An Post Insurance Home Insurance policies. There may be some cases where flood cover is excluded. This will be stated in your policy documents.