Protect your valuables outside the home with “All Risks” Cover
Get added peace of mind by protecting your gadgets and personal belongings both inside and outside your home with our “All Risks” Cover option.
This optional extra provides cover for items normally brought outside the home such as jewellery, ipads, 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.
To qualify for the 4 months free on your Home and Contents policy offer you must:
Not already have an existing Home and Contents policy on your main residence with permanent tsb
Satisfy normal underwriting criteria
Send payment instructions, where required, to permanent tsb within 21 days
This is an annual policy and if you are paying monthly you pay nothing for the first 4 months, and the remaining premium will be billed over the following 8 months. Or pay the premium in one payment and enjoy the same 33% reduction. This offer is available in the first year only.
Premium reductions are applied on a reducing balance basis and are all subject to the following minimum premiums, inclusive of Government Levy, for Home and Contents policies: Buildings €135, Contents €105, and All Risks €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.
permanent tsb p.l.c. is a Single Agency Intermediary of Allianz p.l.c. for Home Insurance. permanent tsb 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.
As well as covering your Home and Contents, we offer insurance policies online to cover other situations too.
1. I'm a landlord
If you’re a landlord with one or more investment properties then check out our Landlords’ Home Insurance, which gives you comprehensive cover at a great price. We also offer a 20% introductory discount in year 1.
2. I'm a renter
If you’re a renter and just need to cover the contents of your home then check out our great value Contents Cover.
3. I'm an apartment owner
If you own an apartment and the building is already covered by a block policy then check out our Contents Cover.
4. I've a holiday home
If you have a holiday home and want to insure your building as well as its contents then check out our comprehensive Buildings and Contents Cover.
Our online quote will guide you through the process to ensure you select the cover you need.
Don’t pay any more for Home Insurance than you need to. Check out this handy calculator from our friends at the Society of Chartered Surveyors of Ireland to estimate what the building costs of your house would be and help you save on your Home Insurance premium.
If you wish to report a claim or discuss an existing claim you can call Allianz’s Claims Team on 1890 700 121. Lines are open 9am to 5pm, Monday to Friday. Or alternatively you can request a call back from Allianz.