Policy Explained
Buildings vs Contents Insurance: What Each Covers
Buildings cover insures the structure. Contents covers what you would take when you move. The line between them, plus sub-limits and grey…
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Claimsroom topic
Policy Explained
How insurance policy mechanics work, sums insured, average clause, excess, reinstatement vs indemnity.
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Policy Explained
What Is Trace and Access Cover and Why It Matters
Trace and access cover pays to find a hidden leak. The most under-claimed section of Irish home insurance. Limits, rules, and how…
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Policy Explained
Reinstatement vs Indemnity: How Insurers Calculate Settlements
Reinstatement pays new-for-old; indemnity pays depreciated value. The two words on your policy that decide settlement size, explained.
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Policy Explained
Excess vs Deductible: What Your Policy Actually Means
The excess is what you pay before the insurer pays anything. Excess vs deductible explained, plus standard Irish excess levels and when…
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Policy Explained
The Average Clause Explained: How Underinsurance Reduces Your Settlement
The average clause cuts your insurance settlement when sums insured are below actual rebuild cost. How it works, what triggers it, how…
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Policy Explained
Understanding Your Sums Insured
Sums insured is the figure your insurer uses to settle a claim. Get it wrong and the average clause cuts your settlement…
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Free, no-obligation advice from a Central Bank regulated loss assessor. We typically reply within the hour.