If you live in a property that is of “non-standard construction” you will likely have had problems getting insurance in the past. That's where we can help. Our experienced brokers and tailor-made policies ensure we'll be able to help you find the cover that's right for your property, so you can rest easy knowing you're properly covered.
Accidental damage to building and contents on owner-occupied properties.
Low policy excess.
We provide cover for most flat roof materials.
Quick and efficient claims handling service.
Public liability cover up to €3,000,000.
Fire brigade charges covered up to €2,000.
Accidental damage automatically covered for owner-occupied properties.
Office equipment in your home up to €4,000.
The buildings section includes cover for:
Loss of rent earnings or temporary accommodation costs whilst the buildings cannot be lived in as a result of an insured loss. We will not pay any amount over 10% of the building sum insured.
Fire Brigade charges up to €2,000 as a result of an insured loss.
Trace and Access up to €1,000.
Replacement of locks to safes, alarms, outside doors or windows following theft or loss of keys – up to €250.
The contents section includes cover for:
Personal money and Credit Cards – up to €350.
Deeds, prize bonds, registered bonds and other personal documents – up to €750.
Stamps or coins forming part of a collection – up to €750.
Domestic oil in fixed fuel tanks up to €750.
Top Tip #1
If you have a flat roof, ensure it is maintained annually. We require that it is replaced once every 15 years.
Top Tip #2
Your property should only be insured for its rebuilding cost.
Q: I bought a policy online through another insurer. The application did not ask if my property is of non-standard construction - am I covered properly?
A: You may not be covered - contact your insurer immediately to check. Come back to us for a competitive quote if you’re not currently covered.
Q: Over 70% of my property is standard construction but has a non-standard extension to the rear. Am I insured with my current insurer?
A: You may not be covered. Some insurers will deem your property to be non-standard if it has in excess of 20% non-standard construction. You should contact your insurer to confirm that you are adequately covered. Why not ask us for a competitive quote?
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