Help Centre

Your rebuild cost is the cost of rebuilding your home from scratch, not its market value. Use the SCSI House Rebuild Calculator to get an estimate, or consult a chartered surveyor for a professional valuation. It is important to insure for the correct rebuild cost to avoid being under-insured. 

Call our Customer Service team in Athlone on 0818 33 33 33. We can help you add higher-value items to your Home Insurance Policy, update personal information, change payment or bank details, or answer any other queries. 

Should you wish to cancel your Home Insurance 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 and return it to us at our freepost address: An Post Insurance, PO Box 1, Freepost, Athlone, Co. Westmeath.

If your policy reference starts with a number i.e. your policy reference looks like 12345678

If you have misplaced any of your documents, please contact our Customer Service Team on 0818 33 33 33 or 090 64 87300, alternatively, you can email [email protected]. 

If your policy number starts with a letter i.e. your policy number looks like HY12345678, SP123456 or DNIHR1234567

You can simply log on to your Customer Portal account and download your documents.  Log In Here.

We are always grateful for any feedback and are dedicated to ensuring our customers are satisfied with the service they receive. Please contact the Customer Service Manager, PO Box 1, Freepost, Athlone, Co. Westmeath, email us on [email protected] or call 0818 33 33 33 and we will be happy to resolve any issues.

There are many ways to reduce your Home Insurance premium.  

• Insure for the correct rebuild cost (not market value). Review your contents sum insured to ensure it reflects what you actually own.  
• Choose a higher excess if you can afford it
• Maintain a claims-free record to build your no-claims discount;
• Install an approved alarm (discount available across all underwriters for owner-occupied properties; for landlord and holiday home policies, available with Aviva only, and Allianz offers the discount for owner-occupied properties only)
• Pay annually rather than monthly. 

An Post Insurance searches across our panel of trusted Irish insurers and presents you with the most competitive price for your chosen level of cover. 

Every customer is issued with a renewal notice before the end of their current policy. The approach to renewing your Home Insurance depends on your policy reference, please see below.

If your policy reference starts with a number i.e. your policy reference looks like 12345678

To renew your policy online simply visit our payment portal, enter your Quote or Policy Reference Number and your Date of Birth to be directed to your payment link.  

If you need to make any changes or speak to one of our representatives you can call 0818 33 33 35.

If your policy number starts with a letter i.e. your policy number looks like HY12345678, SP123456 or DNIHR1234567

To login or create your online account, simply visit our Customer Portal here An Post Insurance and pay for your renewal.

If you need to make any changes or speak to one of our representatives you can call 0818 33 33 35.

In order to update your personal details on your Home Insurance Policy simply call one of our agents on 0818 33 33 33 or email [email protected] and one of our agents will get back to you.

To add a joint owner to your Home Insurance Policy, call An Post Insurance on 0818 33 33 33 or email [email protected] and a member of the team will update your policy. You will need to provide the joint owner's personal details. 

In order to complete a Home Insurance Quote online you will need the following:

• Personal details for you and any other joint proposers on the policy, i.e. name, address, contact phone number, email address, and employment details.
• Details on the house to be insured, i.e. the year it was built, alarm details, main heating source, BER rating, amount of years with no claims, rebuild cost, contents amount, and security information, such as type of door and window locks
• Information on the type of construction, i.e. brick, stone, concrete, material used in roof construction, if it’s a listed building and the house’s history, including any previous loss or damage to the house.
  

If you have taken out the optional extra cover for jewellery, personal belongings, bicycles, and money, your items are covered outside the home within Europe.

For Aviva policies, worldwide cover applies for up to 30 days.

For Allianz policies, worldwide cover applies for up to 60 days.

Without this optional extra, your belongings are only covered while inside your home. This optional extra is available at an extra cost and it is not necessary to purchase it in order to purchase a Home Insurance Policy. 

Public and Personal Liability Cover protects you against legal claims if someone is injured, becomes ill, or has their property damaged while visiting your home. Cover is available up to €3 million. This is included as standard on all An Post Insurance Home Insurance  Policies. 

It depends on your situation: 

New business quote (not yet purchased): If you have started a quote online and need to make changes before completing it, you can retrieve your quote at anpostinsurance.ie/retrieve-a-quote using your quote reference number, last name, and date of birth. You can also make changes by calling An Post Insurance on 0818 33 33 33. 

Existing customer with a renewal quote: If you have received your renewal quote and are happy to proceed, you can pay online at anpostinsurance.ie/existing-customers/home. If you would like to amend, update, or discuss your renewal quote, call An Post Insurance on 0818 33 33 33.

Existing customer needing to update a purchased policy: If you have already purchased your policy and need to make changes, call An Post Insurance on 0818 33 33 33 and a team member can help. 

Accidental Damage Cover is an optional extra that protects you against unexpected damage to your buildings and/or contents, like spilling paint on a carpet, drilling through a pipe, or dropping a television. It is available for an additional premium. Without accidental damage cover, you would need to pay for these repairs yourself.

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

Home Emergency Assistance provides a 24/7 repair service if you experience an emergency at home such as a burst pipe, boiler breakdown, or electrical failure. A qualified tradesperson will be sent to secure your home and prevent further damage.

Cover is available for up to €260 (plus VAT) per incident with 3 call-outs per year (Aviva) or up to €300 (including VAT) per incident with 4 call-outs per year (Allianz). No excess is payable.

This cover is underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY. 

Specified cover allows you to list individual high-value items such as an engagement ring, expensive watch, or camera, on your policy by name and value. This ensures they are covered for their full replacement cost, both inside and outside your home, within Europe and worldwide for up to 30 days (Aviva) or 60 days (Allianz).

Items that exceed the single-article limit on your standard contents cover should be specified individually.

The single-article limit is noted on your policy schedule. With Aviva, this is €2,600 or 5% of the contents sum insured (whichever is more); with Allianz, it is €2,000. 

The excess is the amount you pay towards a claim before your insurer covers the rest. Your Home Insurance Policy has a standard excess which is set out in your policy documents. You can choose to increase your excess, which reduces your premium, but make sure you can afford the excess amount if you need to make a claim. No excess applies to Home Emergency Assistance claims. 

The reinstatement value is the cost of completely rebuilding your home from scratch including any outbuildings, permanent fixtures and fittings (such as kitchens, bathrooms, and fitted wardrobes), demolition, materials, labour, professional fees, and site clearance.

This is not the same as the market value of your home, and is sometimes also called the rebuilding cost. You should insure your home for its full reinstatement value, as under insurance (insuring for less than the full value) could result in a reduced payout if you claim (this is called the average clause).

Use the SCSI House Rebuild Calculator at scsi.ie for an estimate, or consult a chartered surveyor.

Your buildings cover should match your home’s reinstatement value (see above), not its market value or what you originally paid for it. The SCSI House Rebuild Calculator at scsi.ie gives a quick estimate, though for older, non-standard, or larger properties it is worth getting a professional valuation from a chartered surveyor for accuracy. Review your buildings cover figure periodically, especially after any renovations or extensions, as building costs change over time and an out-of-date figure increases your risk of being under-insured.

Your contents cover should reflect the total replacement cost of everything you own like furniture, electronics, clothing, kitchenware, jewellery, and other personal items. Go room by room and estimate what it would cost to replace everything new today. Most people underestimate their contents value, so take your time.

With An Post Insurance, you can choose Contents Cover as a percentage of your buildings sum insured (e.g. 30% of €200,000 = €60,000) or as a separate lump sum. 

Ride-on lawnmowers and childminding (for up to 2 children) are covered as standard on owner-occupied policies. Caravans can be added to Aviva owner-occupied policies only. Call 0818 22 22 22 to discuss.

Home office cover depends on your circumstances. Call 0818 22 22 22 to confirm whether your policy covers working from home. 

Tenants' Contents Insurance protects your personal belongings like furniture, electronics, clothing, jewellery, and other items if you are renting your home. Your landlord's insurance does not cover your possessions. Tenants' Contents Cover includes: 

Family Legal Protection covers your legal costs for a range of personal legal matters such as disputes with employers, faulty goods, personal injury claims, and property disputes, up to €65,000 for any one claim. It is available as an optional extra on your Home Insurance Policy at a cost of just €15.60 per policy.

Visit our Family Legal Protection page for full details.

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

Family Legal Protection is underwritten by ARAG Legal Protection Limited. 

Garden Cover is an optional extra available with Aviva only, covering garden furniture, ornaments, and permanent toys or playground equipment in your garden against damage caused by fire, explosion, theft, storm, flood, or malicious damage.

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

Cover limits apply. Refer to your policy documents for the specific limits.

This cover is not available with Allianz. 

If you are insured with Aviva, your Contents Cover will automatically increase by 10% for the month of December and for 30 days before and after wedding of household member.

If you are insured with Allianz, your Contents Cover will automatically increase by 10% for the months of December and January and for 1 month before and after wedding of household member.

Yes, your Home Insurance policy covers loss or damage to your visitors' personal belongings while they are temporarily in your home. Cover is up to the limit shown in your policy schedule, and no excess is payable under this section. 

Cover for credit and debit card fraud is available with Aviva only. If you or any family member living permanently with you become legally liable for costs following the loss of your credit or debit cards, Aviva will pay these costs up to the amount shown in your policy schedule.

This cover is not available with Allianz. 

Jury Service Cover is available with Aviva only. If you are called for jury service, your policy provides a daily benefit payment of €40 per day, up to a maximum of €650 in total.

This cover is not available with Allianz.

A claim under this section will not affect your no-claim bonus and you will not have to pay an excess under this section.

Yes, your Home Insurance Policy covers Fire Brigade Call-Out Charges in relation to an insured event.

Cover is available for up to up to €3,500 (Aviva) or €3,000 (Allianz).

Check your policy documents for the specific limit that applies. 

Landlord's Insurance covers both the building and any contents you provide in the rental property. It is designed for landlords who own the full property.

Landlord's Contents Insurance covers only the contents like furniture, appliances, and household goods, and is designed for situations where the building is already insured separately, such as apartments in managed developments.

Both include Public and Personal Liability Cover up to €3 million.

Visit our Landlord's Insurance and Landlord's Contents Insurance pages for full details. 

Landlord's Insurance is suitable for anyone renting out a house or property where they own the building and need cover for the structure, permanent fixtures, outbuildings, and any contents they provide. It also includes Public and Personal Liability Cover up to €3 million and Alternative Accommodation Cover (including loss of rent) up to 15% of the buildings sum insured.

Landlord's Contents Insurance is suitable for anyone renting out a furnished apartment where the building is already insured separately. For example, through a management company. It covers the furniture, appliances, and household goods you provide, plus Public and Personal Liability Cover up to €3 million and alternative accommodation cover (including loss of rent) up to 15% of the contents sum insured. 

Accidental damage is available as an optional extra on Landlord's Insurance policies with An Post Insurance. If purchased, it covers accidental damage to the buildings and/or contents by tenants. Without this extra, accidental damage is not covered. Malicious damage by tenants is typically covered under the standard buildings section of your policy. 

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

No, renting out a property is not considered a business activity under your Landlord's Insurance policy. The business activities exclusion applies to commercial activities conducted from the property, not to the act of renting it out. 

Yes, if your home becomes uninhabitable due to an insured event (such as fire or flood), your policy may cover the cost of alternative accommodation while repairs are carried out. The cover limit and terms depend on your insurer and policy type. Check your policy documents for the specific details. 

Yes, Landlord's Insurance with An Post Insurance includes Public and Personal Liability Cover of up to €3 million. This protects you against legal claims if a tenant, visitor, or member of the public is injured or has their property damaged at your rental property. 

Yes, Home Emergency Assistance is included with Landlord's Contents Insurance. It provides a 24/7 repair service for emergencies such as burst pipes, boiler breakdowns, and electrical failures.

Cover is available for up to €260 (plus VAT) per incident with 3 call-outs per year (Aviva) or up to €300 (including VAT) per incident with 4 call-outs per year (Allianz). No excess is payable.

This cover is underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY. 

Buildings Insurance covers the structure of your home, everything from the walls, roof, floors, and fixed fittings like kitchens and bathrooms. Contents Insurance covers your belongings including furniture, electronics, clothes, and other items you would take with you if you moved. Most homeowners choose Combined Buildings and Contents Cover for full protection. Buildings-Only Cover is available with Allianz by calling us on 0818 22 22 22.

Yes, generally. Your home is covered as usual if you work from home, as long as it is for personal use and not a full-scale business. Standard policies cover office equipment like laptops and furniture for personal business use only, provided there is not already a separate policy on the equipment.

Cover limits apply. Refer to your policy booklet for the specific terms. 

You must notify An Post Insurance immediately if your home is, or is likely to become, unoccupied. If your property is left empty for an extended period, certain cover, such as water damage and theft, may be excluded or restricted. The specific timeframes and conditions vary by insurer, so refer to your policy booklet for the terms that apply to you. 

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. 

A No-Claims Discount (NCD) is a reduction on your Home Insurance Premium that you receive for each year you do not make a claim. The longer your claims-free record, the bigger the discount, up to a maximum that varies by insurer.

Refer to your policy booklet for full details.

Your Home Insurance Policy requires suitable, key-operated, manufacturer-approved locks on all external doors. These are locks that can be locked from the inside and can only be opened from the outside with a key. Having proper locks in place is a condition of your policy. If your home is broken into and the locks do not meet this requirement, your claim could be affected. 

Extra Cover is an optional addition to your Home Insurance that protects valuable personal possessions such as jewellery, watches, bicycles, and personal money, both inside and outside your home. Cover can be added in two ways; 

• as unspecified items (covering a range of belongings up to a total value without listing each item individually)
• or as specified items (listing individual high-value items by name and value).

Items are covered within Europe, and worldwide for up to 30 days (Aviva) or 60 days (Allianz). Individual items above a certain value may need to be specified separately. The cost is an additional premium, and it is not necessary to purchase this optional extra in order to purchase a Home Insurance Policy. 

Your mortgage lender will require Buildings Insurance before you can draw down your mortgage. Contents insurance is not mandatory but is strongly recommended as without it, you would need to replace all your belongings at your own cost. Most first-time buyers choose combined Buildings and Contents Cover for full protection.

With Aviva, first-time buyers can avail of a new business discount.

With Allianz, first-time buyers benefit from a 5-year no claims discount.

Visit our first-time buyers page for full details. 

The average clause applies in cases of underinsurance — when your home or contents are insured for less than their full value. If you are under-insured, any claim payout will be reduced proportionally. For example, if your home's rebuild cost is €300,000 but you have only insured it for €200,000, you are insured for two-thirds of the correct value and your claim payout would be reduced by one-third. This is why it is essential to insure for the full reinstatement cost. Use the SCSI House Rebuild Calculator at scsi.ie for an estimate. 

Accidental Damage is available as an optional extra on Landlord's Insurance Policies with An Post Insurance. If purchased, it covers accidental damage to the buildings and/or contents by tenants. Without this extra, accidental damage is not covered. Malicious damage by tenants is typically covered under the standard buildings section of your policy.

It is not necessary to purchase this optional extra in order to purchase a home insurance policy. 

If your policy number starts with a letter i.e. your policy number looks like HY12345678, SP123456 or DNIHR1234567,

you can create an online account by providing the following information.

• Email Address (must match the address used to set up the policy).
• Phone Number (must match the phone number used to set up the policy).
• Policy Number – Please ensure you use your policy number, a quote reference will not work here.
• Username – Your email address will be defaulted as the username, however you can change this – it must be unique.
• Password – Must be at least 8 characters and contain 1 lowercase letter, 1 uppercase letter and 1 number to be valid.

You will need to contact our Customer Service Team on 0818 33 33 33 or 090 64 87300 to add your email address and phone number to your policy before you can create your online account.

No, only customers with active policies can create an account.

The account will be locked for 1 minute if incorrect details are entered 5 times.

If you forget your password, you can use the “Trouble Logging In?” link to send a reset link.

If you need assistance, you can call us on 0906 648 7237 or email [email protected] and we will be happy to help.

Yes, having an approved monitored alarm installed and maintained in working order can qualify you for an alarm discount on your Home Insurance premium. The alarm discount is available with Aviva only. Alarm must be installed by an approved alarm company, installer must hold a PSA Licence & the Alarm must meet the EN50131 or IS199 Standard. The alarm system must be activated when nobody is in the home. Alarm discounts are subject to minimum premium and applied consecutively.

An Post Insurance has partnered with Action24 to offer Home Insurance customers a discounted professionally monitored alarm system. Visit our Action24 page for details. 

You can pay your premium in one annual payment (usually the cheapest option) or spread the cost with a deposit followed by 9 monthly instalments. Monthly payments are available via Direct Debit. A deposit of 20% is required for monthly payments, and a service fee of up to 12% applies. 

There are many ways to reduce your Home Insurance premium.  

• Insure for the correct rebuild cost (not market value). Review your contents sum insured to ensure it reflects what you actually own.  
• Choose a higher excess if you can afford it
• Maintain a claims-free record to build your no-claims discount;
• Install an approved alarm (discount available across all underwriters for owner-occupied properties; for landlord and holiday home policies, available with Aviva only, and Allianz offers the discount for owner-occupied properties only)
• Pay annually rather than monthly. 

An Post Insurance searches across our panel of trusted Irish insurers and presents you with the most competitive price for your chosen level of cover. 

If you are paying by Direct Debit and you do not wish to renew you must contact An Post Insurance at least 10 days prior to your renewal date to ensure we do not present your direct debit to your bank for payment.

If your Home Insurance Policy is with Aviva and you need to make a claim simply call the claims team on 1800 14 71 47.

If your Home Insurance Policy is with Allianz and you need to make a claim simply call the claims team on 01 6133990.

If you experience an emergency at home such as a burst pipe, boiler failure, or electrical fault, call the Home Emergency Assistance number for your insurer.

For Aviva policies, call 091 545 909.

For Allianz policies, call 01 613 3990.

A qualified tradesperson will be sent to secure your home and prevent further damage.

Cover is available for up to €260 (plus VAT) per incident (Aviva) or up to €300 (including VAT) per incident (Allianz), with no excess payable.

This cover is underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY.

It depends on the circumstances.