You’ve found your dream car for a once-in-a-lifetime price. The only thing is, it has to come from overseas. Getting it into your garage might cost a bit extra – but will your car insurance cost more? The short answer is: yes, it might impact the price. It’s always best to be aware of the facts before you buy. Importing a car from overseas may seem exciting at first. You’ll be getting a unique model no one else is likely to have, and you’ve likely put a lot of thought into choosing exactly what you want. But there are a lot of pitfalls you may not have considered. In this article, we’ll cover ..read more

You’ve had a small accident, and lost your no claims bonus – but will you be able to get insured without one? Yes – but it may be expensive. Not having – or having lost – your no claims bonus won’t prohibit you from buying car insurance, but as it is a discount you will be paying more without it. Building a good no claims discount takes a bit of time, but it’s well worth it in the long run. In this article, we’ll cover the following questions: What is a no claims bonus? Are there different types of no claims bonus? How does a no claims bonus affect my car insurance premium? If you make a cla ..read more

Even if you can’t afford a regular gardener, you might have someone over to mow the lawn every so often. But if they hurt themselves, will your home insurance help out? Yes. All standard home insurance policies include employers’ liability cover, which is what will protect domestic workers at your property if they have an accident. If your gardener hurts themselves while working for you, they might already have insurance to protect themselves. But if they do not, don’t worry, as your home insurance will take care of it. In this article, we’ll cover the following questions: What is a domestic ..read more

Do Men Pay More – And Women Pay Less – For Car Insurance? Statistically, women make safer drivers and men under 25 have more accidents. But will this affect how much you pay for car insurance? No, not any more. As of 2012, car insurance companies in Ireland are no longer able to discriminate based on gender. Thanks to these guidelines, it no longer matters to your insurance company if you’re a man or a woman when calculating premiums. Your gender doesn’t matter to your car insurance provider. When you’re asked to provide this information at the quote stage, it will be for marketing purposes on ..read more

Your home, essentially, is four walls and a roof. Your buildings insurance will cover all of these, as well as the permanent fixtures and fittings. But what kind of damage can you expect, and what will your home insurance not cover? Contents make your house a home. But lots can go wrong with the roof over your head – and when it does, you want to have confidence in your insurance. The main structure of your house is covered under home insurance. But what exactly does that mean, and what happens if your building is damaged and insurance won’t pay out? In this article, we’ll answer the following ..read more

If you are convicted of a motoring or non-motoring offence, even if it’s not in Ireland, will you still be able to get car insurance? Yes, you will be able to get car insurance even if you have a prior conviction in another country. No matter if your conviction was in Ireland or somewhere else, this will not affect your ability to get car insurance. You always need to disclose any criminal history to your insurance provider. Not doing so may result in you being unable to get car insurance in the future. In this article, we’ll answer the following questions: How do convictions affect car insur ..read more

Why ‘All Risks’ Cover Doesn’t Really Cover ALL Risks (But Can Still Be Very Useful) All risks cover on your home insurance does exactly what it says on the tin – almost. Get the facts about all risks insurance in this article. “All risks” means exactly what it says. Well. Almost. When you have all risks cover, your home insurance will cover you for all risks, except any that are specifically excluded. It’s a bit more expensive than standard cover, but it’s worth it for peace of mind. In this article, we’ll cover the following questions: What is all risks cover? Do I need all risks cover? What ..read more

Letting other people use your car can sometimes be really useful. Can you buy a car insurance policy that will protect other drivers in a car that belongs to you? Yes, in most instances this is very easy. Getting an open driving policy is no different than buying any other kind of car insurance policy. It might cost a little more, but if it suits your lifestyle it will be a worthwhile option. In this article, we’ll go over the following questions: What is an open driving insurance policy? Who can get an open driving insurance policy? Are there any restrictions with an open driving policy? If ..read more

Probate can be a difficult and emotional time, so you shouldn’t worry about home insurance. As long as you pass on the news to the home insurance provider, the home will be covered if anything bad happens. After a person passes away, their property goes into probate. Often, this means leaving the house empty for some time. If you’re the beneficiary, you’re responsible for protecting the property with unoccupied home insurance. In this article, we’ll cover the following questions: What happens to home insurance during probate? Who organizes home insurance when someone dies? What is unoccupied ..read more

So you’ve been caught speeding – how does that affect your car insurance? And will you still be able to renew your policy? Yes, you’ll be able to get car insurance if you commit a speeding offence, in most cases. As long as your conviction does not prevent you from driving a car, you should not have too much of a problem getting insured. In this article, we’ll go over the following queries: Will a speeding offence stop me getting car insurance? Does my car insurance premium go up if I have a conviction? Do I have to tell my insurance company about a speeding offence? At QuoteMe.ie, we have e ..read more