HOUSE INSURANCE QUOTES COMPARED
AIG, ALLIANZ, AVIVA, AXA
FBD, LIBERTY, RSA, ZURICH

The National Consumer Agency recently published a survey of home insurance costs for six locations across Ireland. The survey revealed that:

• 80 per cent of property owners that had transferred their home insurance to another insurance company during the last year got a better deal.
  
• The home insurance market is competitive: most
  insurance companies are prepared to negotiate
  with those consumers who have done their research
  and know the deals on offer.
  
• The average potential saving that properties
  owners can expect is in the region of € 300 - € 350.

AVIVA, LAYA, VHI & GLO HEALTH
PRIVATE HEALTH COVER PLANS 2014
PLANS & PREMIUMS COMPARED

4-Bed Semi-Detached house.
Rialto, Dublin City South.
Re-building Cost: € 180,000.
Contents Value: € 40,000.

Age of property: 55 years

Flooding Risk? No

Subsidence Risk? No

Previous claims: Yes

Age of applicant: 37 years

IS199 burglar alarm fitted: Yes

Neighbourhood watch scheme: Yes

Security locks fitted on doors: Yes

Security locks fitted on windows: Yes

Smoke alarm: Yes

Company	Broker/Direct	Quotations	Standard Excess
AIG Europe Ltd.	Direct	€ 507.84	€ 500
Allianz	Direct	€ 416.85	€ 250
Aviva	Direct	€ 535.69	€ 275
AXA	Direct	€ 385.52	€ 350
FBD	Direct	€ 308.88	€ 250
Liberty Insurance	Direct	€ 310.01	€ 250
RSA Insurance Ireland Ltd	Broker	€ 516.43	€ 500
Zurich	Direct	€ 249.62	€ 250

2-Bed Apartment.
Clonee, Dublin 15.
Contents Value: € 26,000.

Age of property: 6 years

Flooding Risk? No

Subsidence Risk? No

Previous claims: None

Age of applicant: 29 years

IS199 burglar alarm fitted: Yes

Neighbourhood watch scheme: No

Security locks fitted on doors: Yes

Security locks fitted on windows: Yes

Smoke alarm: Yes

Company	Broker/Direct	Quotations	Standard Excess
AIG Europe Ltd.	Direct	€ 389.01	€ 500
Allianz	Direct	€ 173.38	€ 250
Aviva	Direct	€ 98.57	€ 275
AXA	Direct	€ 163.45	€ 350
FBD	Direct	€ 88.27	€ 250
Liberty Insurance	Direct	€ 162.75	€ 250
RSA Insurance Ireland Ltd	Broker	€ 159.45	€ 500
Zurich	Direct	€ 210.96	€ 250

4-Bed Detached House.
Letterkenny, Co. Donegal.
Rebuilding Cost: € 160,000.
Contents Value: € 38,000.

Age of property: 50 years

Flooding Risk? No

Subsidence Risk? Yes

Previous claims: None

Age of applicant: 64 years

IS199 burglar alarm fitted: No

Neighbourhood watch scheme: No

Security locks fitted on doors: Yes

Security locks fitted on windows: No

Smoke alarm: Yes

Company	Broker/Direct	Quotations	Standard Excess
AIG Europe Ltd.	Direct	No quote	Not applicable
Allianz	Direct	No quote	Not applicable
Aviva	Direct	No quote	Not applicable
AXA	Direct	€ 278.68	€ 350
FBD	Direct	No quote	Not applicable
Liberty Insurance	Direct	No quote	Not applicable
RSA Insurance Ireland Ltd	Broker	€ 396.79	€ 500
Zurich	Direct	No quote	Not applicable

3-Bed Semi-Detached house.
Newbridge, Co. Kildare.
Rebuilding Cost: € 145,000.
Contents Value: € 42,000.

Age of property: 30 years

Flooding Risk? No

Subsidence Risk? No

Previous claims: None

Age of applicant: 53 years

IS199 burglar alarm fitted: Yes

Neighbourhood watch scheme: No

Security locks fitted on doors: Yes

Security locks fitted on windows: Yes

Smoke alarm: Yes

Company	Broker/Direct	Quotations	Standard Excess
AIG Europe Ltd.	Direct	€ 577.00	€ 500
Allianz	Direct	€ 402.14	€ 500
Aviva	Direct	€ 258.33	€ 275
AXA	Direct	€ 325.84	€ 350
FBD	Direct	€ 263.67	€ 250
Liberty Insurance	Direct	€ 265.35	€ 250
RSA Insurance Ireland Ltd	Broker	€ 336.07	€ 500
Zurich	Direct	€ 297.50	€ 250

3-Bed Terraced House.
Castlebar, Co. Mayo.
Rebuilding Cost: € 140,000.
Contents Value: € 28,000.

Age of property: 30 years

Flooding Risk? No

Subsidence Risk? No

Previous claims: None

Age of applicant: 49 years

IS199 burglar alarm fitted: No

Neighbourhood watch scheme: No

Security locks fitted on doors: Yes

Security locks fitted on windows: No

Smoke alarm: Yes

Company	Broker/Direct	Quotations	Standard Excess
AIG Europe Ltd.	Direct	€ 593.05	€ 500
Allianz	Direct	€ 356.30	€ 250
Aviva	Direct	€ 383.57	€ 275
AXA	Direct	€ 356.08	€ 350
FBD	Direct	€ 282.48	€ 250
Liberty Insurance	Direct	€ 350.85	€ 250
RSA Insurance Ireland Ltd	Broker	€ 458.38	€ 500
Zurich	Direct	€ 271.53	€ 250

2-Bed Terraced House
Waterford City.
Rebuilding Cost: € 95,000.
Contents Value: € 24,000.

Age of property: 55 years

Flooding Risk? No

Subsidence Risk? No

Previous claims: None

Age of applicant: 31 years

IS199 burglar alarm fitted: No

Neighbourhood watch scheme: No

Security locks fitted on doors: Yes

Security locks fitted on windows: Yes

Smoke alarm: Yes

Company	Broker/Direct	Quotations	Standard Excess
AIG Europe Ltd.	Direct	€ 545.57	€ 500
Allianz	Direct	€ 284.80	€ 250
Aviva	Direct	€ 214.58	€ 275
AXA	Direct	€ 228.34	€ 350
FBD	Direct	€ 189.31	€ 250
Liberty Insurance	Direct	€ 233.69	€ 250
Insurance Ireland Ltd	Broker	€ 343.22	€ 500
Zurich	Direct	€ 184.03	€ 250

The information provided above is liable to change at any time. All information supplied by IrishHouses.ie is subject to errors & omissions and does not constitute legal, investment or any other form of advice. Always obtain independent professional advice for your own particular situation.

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