Frequently Asked Questions

In the event of a building claim, usually over a certain amount, the cheque will be made payable to the Insured and the bank – as they have provided the loan for the Risk address.

Usually insurers will delete, but some will look for a letter from the bank to advise they no longer have an interest in the property – always better to check with the Insurer before advising the policyholder.

Remember: Cover under the Driving other Cars extension does not always match your policy cover; Many Insurers will only give Third Party only cover while driving under this extension.

This may require a new proposal form or a letter from a solicitor to advise a party no longer has an interest in the property – unlikely any insured will delete without one of these – always better to check with the Insurer before advising the policyholder.

Some insurers will delete but some, Allianz for example, will look for confirmation probate is granted and copy of death certificate – always better to check with the Insurer before advising the policyholder.

You can only have one owner occupied house – whichever house you spend 4 or more nights a week.

No it is still considered a holiday home – advise they should check their inoccupancy condition under their owner occupied house.

Most insurers will increase the Contents Sum Insured by 10% for 1 month before and 1 month after the wedding…this may be enough – check with each individual insurer.

Some insurers will pay between €20 and €40 per day in court up to a limit of €750.00 – this usually doesn’t affect the NCB, however it is considered a claim for other insurers – so best advice is not make a claim