Your Home Insurance policy will protect you from many natural, accidental or malicious events. Here is an overview of some of the situations covered by our Home Insurance policy:
For full details of covers, exclusions, terms, conditions and limitations please refer to our Policy Documents.
Your premises should be insured for its reinstatement value, including the cost of professional fees and site clearance. You can obtain guidance on reinstatement value on https://www.scsi.ie/
Your contents should be based on the cost of replacing the contents as new at today's prices, and should cover everything that you would take with you if you moved house. The contents should cover all items within the home and garden. If cover is needed for items away from the home e.g. jewellery, All Risks Cover must be selected. Refer to the All Risks section of our Policy Documents for full details & the section on What is “All Risks” Cover below.
The Average Clause applies to our Home Insurance policies. This means that if the sum insured at the time of the loss is less than the insurable value of the property, the amount claimed under the policy may be reduced in proportion to the underinsurance.
As a guide, Buildings include:
As a guide Contents include:
For the full definition of Buildings and Contents please refer to our Policy Documents.
Cover for loss, theft or damage to items away from your home can be added by selecting “All Risks” Cover. Refer to the “All Risks” section of the Household Policy document for full details & the section on What is “All Risks” Cover below.
If you have “All Risks” Cover on your Home Insurance policy your valuables are covered once they are kept in a locked boot or glove box. If your car is parked on your drive the valuables are covered under the ‘Contents in the open’ additional benefit on the policy. If your car is garaged then the items are covered under the contents section of the policy.
You have the option to cover loss, theft or accidental damage to personal possessions while you are away from the home or on holiday. To do this, you must select the “All Risks” additional cover option when taking out your policy.
Depending on your own particular requirements, you can specifically list your personal possessions which you wish to cover or you can select the total amount of your personal possessions which is to be covered. Personal Possessions which you may want to specifically insure outside your home may include items such as sports equipment, jewellery and other valuables. This type of cover gives you peace of mind when you are away from home knowing that your valuables are covered in the event of an incident which may give rise to you having to make a claim. You can tailor your “All Risks” Cover to your specific needs which will allow you to list high value items on your policy. Please also refer to the section on What is ‘’All Risks” Cover.
Details of covers, exclusions and limitations applicable to personal possessions outside of your property are outlined in the All Risks section of our Policy Documents.
“All Risks” Cover is an optional extra under your policy which protects you against loss or theft of, or accidental damage to, personal valuables such as jewellery, clothing, photographic equipment etc. both inside and outside your home. It also covers you for items you take abroad for up to 60 days.
There are two types of “All Risks” Cover:
An excess is the first amount of any loss that you are responsible for paying in the event of making a claim. This amount is deducted from the total claim settlement figure.
Our standard excess for household claims is €300. However, this may vary depending on the type of loss or type of policy. Please refer to your schedule of insurance, policy booklet, or contact us directly if you wish to query this amount.
Accidental damage cover is for sudden unforeseen damage arising from an incident or action which is not weather related.
For example, spilling paint accidentally on a carpet is covered under the contents accidental damage extension; putting a foot accidentally through the attic floor is covered under the buildings accidental damage extension.
PTSB also offers automatic accidental damage cover on TV and audio-visual equipment up to €1,300, even if accidental damage on contents is not selected. Please refer to our Policy Documents for details.
Yes, we will pay the cost of the charges you owe a local authority (as permitted by legislation) for Fire Brigade attendance, as a result of any incident which is insured by your Policy. The maximum amount we will pay is €2,000. Please refer to the Household Policy document for details.
To avail of our 24 hr emergency assistance service please call 01 613 3990. For more info on claims, please see here.
If you make a claim your No Claims Bonus will be affected and your renewal premium may increase.
Domestic employees are covered under the Liability to Domestic Employees section of the policy, however no cover is provided for independent contractors. A domestic employee is defined as an employee of the Household carrying out solely private domestic duties in connection with the Premises including repair, maintenance or decoration.
Liability to others is covered as standard on your policy. Visitors to your home for business purposes are not covered on a standard home policy.
The policy also covers visitor’s and guest’s property up to a maximum of €1,300. Please refer to our Policy Documents for details.
Your policy covers damage to your home caused by the weight of accumulated fallen snow or the sudden movement of same.
You could reduce your premium by having a working burglar alarm installed or opting for an increased voluntary excess.
Under the Premises section of your policy, cover is provided for the following types of domestic outbuildings:
Under the contents section of your policy cover is provided for your household goods and personal effects within the domestic outbuildings.
Where you permanently occupy the premises as your main residence, up to 6 paying guests are covered automatically. Cover can be extended for up to 12 paying guests.
Where you permanently occupy the premises as your main residence, your policy automatically provides cover for up to 6 paying guests including lodgers or Bed & Breakfast guests.
Suitable cover can also be arranged for properties let to tenants in one unit or let holiday homes.
Property is considered unoccupied if it is not lived in on a permanent full-time basis by the members of your household or any other person authorized by you.
If your property becomes or is likely to become unoccupied, please advise PTSB of this change, as this information may affect your insurance.
Where a property is unoccupied for more than 35 consecutive days some covers are automatically excluded. Please refer to your Household Policy document for details. Different conditions apply for Holiday Homes. Please refer to the Endorsements section of our Policy Documents for more details.
Personal possessions are articles normally worn or carried on the person.
We provide cover for properties occupied as family homes, holiday homes or which are let to tenants.
A PTSB Home Insurance policy provides a wide range of additional benefits. For example:
Alternative accommodation, breakage of glass and sanitary fixings, door lock replacement, fraudulent use of credit cards, paying guests, visitors and guests property.
Please refer to our Policy Documents for details.
The premises section of the Home Insurance policy provides cover for liability arising out of ownership of the premises.
The contents section of the Home Insurance policy provides cover for liability arising out of:
The maximum amount we will pay for these covers is €3,175 million. Please refer to your Household Policy document for details.
This cover is an optional extra on the policy, Depending on the circumstances we will provide payment, replacement or repair in case of accidental loss or damage to the Caravan/Mobile home.
We can also cover clothing and personal effects inside the Caravan/Mobile home if you select contents cover as an optional extra. This also includes accessories, furnishings and utensils. You are covered for loss or damage which occurs during a break-in or an attempted break-in. As long as the Caravan / Mobile home is securely locked and the break-in was not due to carelessness on your behalf.
We will also provide cover for your legal liability to third parties arising out of the ownership / use of the caravan / mobile home.
This cover would apply if you are found legally liable for:
Details of covers, exclusions and limitations applicable to Caravans/Mobile Homes are outlined in the Caravan/Mobile Home section of our Policy Documents.
Your Caravan/Mobile home is insured anywhere in the Republic of Ireland, Great Britain, Isle of Man, The Channel Islands, including transit between all ports.
Your Caravan/Mobile home is also insured for up to 60 days in any one Period of Insurance (the period shown on your Schedule any subsequent period for which we accept a renewal premium) while temporarily within the continent of Europe and in your custody or control.
Details of covers, exclusions and limitations applicable to Caravans/Mobile Homes are outlined in the Caravan/Mobile Home section of our Policy Documents.
If your property is in a flood-prone area protected by fully completed OPW flood defences and you wish to obtain a quote for your Home Insurance simply contact us at +353 (42) 942 2000.
permanent tsb p.l.c. is a Single Agency Intermediary of Allianz p.l.c. for Home Insurance. PTSB Home Insurance is underwritten by Allianz p.l.c. permanent tsb p.l.c. is regulated by the Central Bank of Ireland. Allianz p.l.c is regulated by the Central Bank of Ireland.
