Over the years you’ve probably gathered lots of valuable items that have cost you money. So you want to make sure you have reassurance in the form of Contents Cover. Similarly, if you have a Landlords' Home Insurance policy, you may wish to cover contents in your rental space. Whether it’s your tablet or that coffee table you spent so long searching for, your valuables are what make your home your own.
Imagine if you lost some or all of your belongings due to fire, theft or accidental damage. It would be expensive to replace everything, especially if you didn’t have any cover in place.
But with our Contents Cover you can protect a wide range of your valuables including:
As well as peace of mind, our Contents Cover gives you great protection at a great price.
|Escape of Water||✓|
|Storm or Flood Damage||✓|
|Fire or Smoke Damage||✓|
|Fire Brigade Charges||✓|
|Increased Wedding time cover||✓|
|Audio and Audio Visual Equipment||✓|
|Alternative accommodation up to 15% of the sum contents insured||✓|
|Accidental Damage (on contents, including gadgets)||✓|
|All Risks - Specified & Unspecified||✓|
Please note: The above information does not reference all of the benefits, terms, conditions, limitations, exceptions and exclusions associated with the Policy. For full details of our Home & Contents Insurance policies, you can download our policy documents to ensure you understand the cover provided.
Get added peace of mind by protecting your gadgets and personal belongings both inside and outside your home with our “All Risks” Cover option. These optional extras provide cover for items normally brought outside the home such as handbags and smartphones.
There are 2 types of “All Risks” Cover that can be added to your policy:
Unspecified “All Risks” Cover: this is an umbrella style cover which allows you to select an amount that your personal belongings will be covered for in the event of a loss. The amount you insure your belongings for should be based on the maximum combined cost of all the valuables that you (or any member of the household) stand to lose at any one time. There’s no need to list each item individually. This cover is designed for items such as glasses, ipads and handbags etc. You can also cover your mobile phone, so no need to pay for expensive phone insurance with your phone bill!
No excess applies to certain items such as money, clothing, personal belongings, and sports equipment.
Certain limits apply to Unspecified “All Risks” Cover including: €2,540 for any one item, and bicycles up to a limit of €320 in any one period of insurance.
Specified “All Risks” Cover: with this option you list each item individually on your policy, and specify its value. Specified items normally include jewellery, hearing aids, bicycles, cameras and other valuables. Each item is covered up to the amount you insure it for. No excess applies to any specified items, meaning you don’t have to pay the first part of any claim yourself.
Standard acceptance criteria, terms and conditions apply. To obtain a quote you must meet the following qualifying criteria:
Premium reductions are applied on a reducing balance basis and are all subject to minimum premiums, inclusive of Government levy, as follows: Buildings Cover €135; Contents Cover €105; All Risks Cover €12.60.
Please note that an excess will apply. This is the first amount of any loss that you are responsible for in the event of making a claim. The amount is deducted from the total claim settlement figure.
Call operator charges may vary. Insurance is arranged by permanent tsb p.l.c. and underwritten by Allianz p.l.c. permanent tsb p.l.c. is appointed as a single Agency Intermediary of Allianz p.l.c. for Home insurance. 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.
If you’re a home owner who’s looking for comprehensive cover at an affordable price then our Home Insurance policy is just for you.
We have a range of Life Insurance options to protect your income for you and your family.
Need help? Our Help and Support section is full of useful information.