Home Insurance FAQs
We've gathered all the details you need to better understand your home insurance options. Take a look at our FAQs and learn more about how we can help you get the cover you deserve at the price you prefer.
During the COVID-19 pandemic only, all business equipment used while working at home will be included as standard up to the contents sum insured, unless otherwise covered. The level of cover provided by the policy will be outlined in your policy schedule.
Accidental Damage Cover is an optional benefit which extends cover to include accidental events, giving rise to a loss, e.g. a large spillage on carpet, if someone puts their foot through the ceiling.
If you have an emergency in your home, we will provide a repair service to secure your home and help prevent further damage from occurring. Cover for up to €260 per incident, limited to 3 claims per policy year.
This cover is underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAPFRE ASSISTANCE Agency Ireland.
For the purposes of your home insurance policy, a good quality deadlock is a three-lever mortise lock.
This is optional additional cover available to you for valuable personal possessions inside or outside of your home. This cover is generally requested for valuable possessions such as jewellery, personal belongings, bicycles and personal money. This optional additional cover also covers these items in Europe, as well as for up to 30 days worldwide.
This can be described as a valuable personal possession, which you wish to have specifically noted on your home insurance policy under extra cover for jewellery, personal belongings, bicycles and money. Such an item may be a valuable piece of jewellery or an expensive camera. This optional additional cover also covers these items in Europe, as well as for up to 30 days worldwide.
If you have taken out the optional cover for jewellery, personal belongings, bicycles and money, we will cover loss or damage within Europe or, for up to 30 days in any period of insurance, anywhere in the world.
Yes, if you have included these items in the Contents Sum Insured figure they are covered in your private house and outbuildings once they are securely locked and any keys removed and placed out of sight inside your house/apartment. A limit of €3,000 applies to contents in outbuildings.
Excess is 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.
This is a regulation, which was introduced to establish a minimum standard for the installation of burglar alarms. If your burglar alarm has been fitted by an authorised contractor to EN50131 Standard (old IS199) you should have been given a certificate to verify this at installation.
Reinstatement value is the cost of completely re-building your house (less the value of the site) including architects and surveyors fees. It is important to note that the reinstatement value is the figure for which your house should be insured, rather than the market value of the house. For more information on calculating the reinstatement value of your house click here.
You should insure your home for the reinstatement cost as opposed to full market value. You should insure your building for a sum insured that represents the full rebuilding costs of your house, including domestic outbuildings and drives and other items.
You should make an additional provision in setting your sum insured for costs in removing debris after a loss, Architects fees and additional costs in rebuilding to current Construction and Local Authority Regulations.
Avoid the mistake of insuring your property for its market value. This is incorrect and may lead to the value of your claim being reduced in the event of a loss. The market value may be more or less than the full rebuilding cost of your home.
You can choose contents cover as a percentage of your building cover. For example if your building is insured for €200,000 and you choose 30% contents cover, then you have cover up to €60,000. Your second option is insuring the total value of all your contents as a separate sum.
If you are looking to cover a Ride on lawnmower, Caravan, Home Office or Childminding up to two children this can be done over the phone with us – please call us on 1890 22 22 22.
With our premium payment plan you can pay your premium over 10 monthly instalments. You can select to pay your instalments as follows:
- By BillPay at the Post Office - using cash, cheque or debit card
- By www.billpay.ie
- By Direct Debit from your Bank Account. In this instance, you must pay your first instalment over the phone or by cheque, money order, credit card or debit card
- You can then pay your remaining instalments automatically by Direct Debit from your bank account
Please note: a deposit of 20% is required for the first instalment and a service fee applies.
Simply call our Customer Care Team in Athlone on 1890 22 11 11 and we'll make the necessary amends.
Should you wish to cancel your policy, you must send written instruction, inclusive of your policy number to An Post Insurance. A cancellation fee may apply. You can simply fill in the cancellation form (found on the home documents page on our website) and return to us at our freepost address: An Post Insurance, PO Box 1, Freepost, Athlone, Co. Westmeath.
We are always grateful for feedback and are dedicated to ensuring our customers are satisfied with the service they receive. Please contact the Customer Care Manager, PO Box 1, Freepost, Athlone, Co. Westmeath or LoCall 1890 22 11 11 and we will be happy to resolve any issues.
It is a requirement to have supporting documentation relating to the claim (e.g. original purchase receipts, instruction manuals, guarantees and replacement estimates). Any cost incurred in obtaining estimates is not covered under the policy.