It can be difficult to obtain insurance for non standard buildings in Ireland. Difficult but not impossible. We can help you arrange top quality house insurance cover for your non standard constructed dwelling in Ireland.

We will search among some of the top Irish Insurance providers to get your best policy.

What is non standard construction ?

The obvious answer is anything that is not of standard construction. Now that we have got that out of the way, it might be easier to explain what standard construction is.

Standard houses are built using, brick, concrete or stone. Timber framed houses are included, where they have a concrete brick external cladding and the roofing consists of at least 70% tiles, slates, metal,asphalt or concrete.

I built an extension with a flat felt roof, am I covered?

That depends on a number of factors, including the percentage of overall roof area that is felt whether is is regularly maintained and the age of the roof.

You should talk to one of our qualified experts to make sure that you have the correct insurance for your circumstances.

It costs you nothing and it may save you a lot.

What cover can I obtain for my non standard construction house?

We can arrange for you to cover a wide range of risks, typical of a standard construction dwelling.

Cover can include the following:

Storm or flood damage.

Damage caused by explosion, lightning and fire,

Earthquake and aircraft damage,

Flooding or damage caused by storm,

Oil and water pipes bursting and causing damage.

Theft and burglary,

Vandalism or malicious damage,

Animal or vehicle impact causing damage,

Subsidence.

What other cover should I consider ?

You should consider legal expenses cover. If you have to go to court to defend your rights you will incur uninsured losses and other legal expenses. Legal expenses cover gives you peace of mind that comes from knowing that you are in a position to get what you are entitled to in court and that you will not have to compromise an action simply because you cannot afford to risk the costs.

For more on Personal legal expenses insurance, see here>>>    

For more information and help, contact one of our qualified experts for a no obligation consultation today.

Use the call me back button (above)

Or start the quotation process by clicking on the quotation button above. {KomentoDisable}

It is important to ensure that your Motor fleet insurance is protecting your assets and providing the best value insurance available in Ireland. Whether you are insuring for the first time or getting ready to renew, you should take the time to review your motor fleet insurance needs.

What is motor fleet insurance ?

The law states that any motor vehicle that is used in a public place, (road, car park etc.) must have proper insurance cover.

Motor fleet insurance applies to 5 or more vehicles. You must specify the vehicles, and they can be of any type.

How can motor fleet insurance make my office life easier ?

The renewal date is the same for all of the vehicles covered under the policy. We can arrange for monthly repayments, to spread the cost over the year. Reviewing all the policies at once is preferable to reviewing each policy at various times during the year.

You can include specialist equipment such as teleporters and forklifts.

Our qualified experts are available to help you choose the policy that suits you best.

What type of cover is available ?

The following is a selection of what insurance cover is available in Ireland:

• Comprehensive Fleet Insurance

• Third Party Fire and Theft Fleet Insurance

• Third Party Only Fleet Insurance

• Windscreen Insurance

• Breakdown Assistance Insurance

• Personal effects

• Theft of keys  

• Medical expenses  

• Fire Brigade Charges

• Legal Costs

What should I do next, to ensure that I get the best available motor fleet insurance in Ireland?

You can call us on 1890 666 666

or click on the quote button, complete the form, submit it to us and our qualified experts will help you get your best policy.    {KomentoDisable}

Unoccupied dwelling insurance in Ireland can be expensive and it may not be easy to put in place a suitable insurance policy for your unoccupied property however it is very important for you to protect your asset.

• If you have a mortgage on such a property and there is an unsettled claim event – you will still have to pay back your mortgage.
• We can arrange protection for many (but not all) unoccupied properties.
• It can cost you and the cover will be subject to terms and conditions however we will be happy to explain these terms so that you can then make an informed decision regarding your protection.
• We can advise you on steps you can take to help increase the chances of getting unoccupied property insurance in Ireland.{KomentoDisable}

The financial rewards of letting your home or a flat can, at first sight,appear to be outweighed by all the regulations you need to comply with and by the various risks and costs involved.

However, this is not necessarily the case: a good knowledge of what you are doing,

good management and a good insurance package will take care of most eventualities.

There is no law which says you must carry insurance as a landlord, or as a tenant, but it would be foolish not to protect yourself from the financial loss associated with the risks. If you have a mortgage your lender will almost certainly insist that the property is properly insured.

• If you are letting your property your mortgage company will want to know about it and may insist on certain conditions, such as appropriate lettings policies indeed some financial institutions will in fact increase the rate of interest charged to you if you change their security from principal private residence to a rented property.
• Don’t forget, it’s easy to obtain insurance cover by not disclosing all the material facts (such as the fact that you are letting the property) but, in effect, you are not insured. If anything happens the insurance company will investigate and will almost certainly refuse to pay out.
• Landlord’s policies for residential letting are now very competitive and there is little difference in cost from normal household policies.
• The cost is a deductible expense for tax.

For peace of mind and for your best policy use the quotation button above, and see what value is in store for you. {KomentoDisable}

If you are trying to find the balance between the best cover and the best price,

then you have come to the right place.

We deal with over 40 Irish Insurance providers, to ensure that you get your best policy.

All home owners insurance isn’t created equal.

That’s why it pays to review your cover every year to ensure your policy meets your evolving  needs. It is important to understand the different types of coverage available on the various policies.

Unfortunately when most of us think about home insurance we think about price.

Yes price is important however value is more important. Not all policies are the same and it is very important to understand the implications of excess, accidental damage and replacement cost just to mention a few. 

What are the important matters to consider in my home insurance policy?

Make sure that you get the basics right first. Then examine the essential extras.

The average house insurance policy can be broken down into two sections;

Buildings Cover and

Contents cover

In buildings cover you should look at what cover are you getting for your premium. What is the sum insured? Is it adequate?

What type of contents cover are you getting?

Is it new for old? Some policies try to keep the price down by offering indemnity only. That means you only get the value of the contents at the time of loss. You have to make up the shortfall if the cost of buying a new replacement has risen.

Are you aware that if you have made a claim on any insurance policy you must mention this when applying for your home insurance?

Legal Costs protection.

Does your policy adequately cover you for what can be a large sum, if you have to go to court to defend your rights.

If it is not sufficient you should talk to one of our qualified experts about including specialist cover for this area. It gives you peace of mind, and can cost a lot less than you think.

Review before you renew.

Renewal is a time to review not just price around, in mypremium.ie we have qualified staff waiting to help guide you through the process and we also offer excellent value for money.

At a time when property values are falling it is very important not to under insure your home. 

Yes, you might have difficulty selling your property for €200,000 but try building it for less! 

Insurance is protection for your home, you need to cover your property for the cost of re-building.

The next step.

Call us on 1890 666 666 or

click on the call me back button (above) and we will contact you at a suitable time

Or      {KomentoDisable}

Use the quote button.

Van Insurance

Driving a van in the Ireland without insurance is illegal – and leaves

you  financially liable for any damage caused to people and property. Choosing the  right insurance will protect you financially should you cause damage to people or property.

Irish Providers will distinguish between  private, business and sole trader van use. You will need to declare your  intended usage as one of these types, and abide by it – otherwise your insurance  may be invalidated and make driving your van illegal.

Across each of these categories there are different  bands of cover, namely 3rd Party, 3rd Party Fire and Theft, and Comprehensive.  You will need to review each band of cover and decide on one that suits you.

• Private van insurance will only cover you for personal use of your van. This  may come cheaper where providers assume you will have a lower yearly mileage.  It is very important to ensure that your estimated yearly mileage is correct.
• For business users, the commercial van insurance policies available tend to  insure the van rather than any specific person. This allows any number of  authorised drivers to use the vehicle, although having an open policy will  likely raise premiums significantly.
• Another option is to name employees that might use the van on the policy, and  doing so often attracts a discount.
• If your usage is classified as sole trader, this assumes you intend to use  the van both privately and commercially. While you can expect to pay higher  premiums than for private use remember that the business-specific add-ons will  protect not only your transportation but also your livelihood.
• Whether private, business or sole trader – if you have more than one van,  talk to us about multi-vehicle discounts. {KomentoDisable}

Your holiday home is a valuable asset. You want to protect it with the right insurance policy for you,but you don't want to pay too much for it.

You need the best policy at the best premium.

A holiday home insurance policy should include all the usual perils you would expect from a standard home insurance policy but also be extended to cover property owners/public liability.

The buildings sum insured should be the re-building cost of the property not the valuation.

Your policy should include;

• Fire Brigade charges covered up to €2,000

• Public Liability up to €3,000,000

• Liability cover for paying guests available where requested

• Contribution towards alternative accommodation should your property become uninhabitable as a result of an insured risk

• Replacement of locks up to €250

• When Holiday homes are vacant any time from 1^st November to 31^st March, the policyholder must have a responsible person checking the property on a weekly basis and the water must be turned off and drained from the system unless the heating system is coming on on a daily basis.
• If there is a thermostat fitted to the heating system, this must be set to a minimum temperature of 55 degrees Fahrenheit.
• This is the sort of detail that is important to ensure that your property is protected – at mypremium.ie we pay attention to the detail {KomentoDisable}

 My holiday home is let out. Can you provide insurance for it?

Yes. Use the quote button above for a competitive quote.

Whether you’re renovating your home, extending your property through a self build conservatory or brick extension, or taking on the task of building a new home from scratch it is very important that you have the right protection in place for you and your property.  Talk to mypremium.ie today to clarify the type of cover required and if you are employing a contractor to do your works it is important the he/she has the right insurance cover.

Liability during construction of your home includes:

• Temporary and permanent works in the course of construction
• The unfixed materials or equipment on site
• All items of constructional plant, equipment etc
• Temporary buildings
• Professional fees
• Liability
• If you are not employing a contractor i.e. if you are using direct labour, you need to check your cover{KomentoDisable}

Not all products are as obviously dangerous as poison.

Have you taken the necessary precautions in the event of your product causing injury?

The liability on manufacturers, retailers or repairers could be quite substantial.

It is imposed by the Liability for Defective Products Act 1991 and gives an injured party the right to bring an action for compensation, without having to prove fault, against any person involved in the production and distribution of the product.

What is Public Liability Insurance ?

Public liability insurance in Ireland is designed to protect you against your legal liability to others that arises in the course of your business.

As you carry on your business in Ireland, circumstances may arise which could cause injury or loss to a third party. Public liability insurance will cover you for claims arising from such circumstances, for which you may be held liable.

Someone may slip on your premises and sue you.

Even if you win, the person who sued may not have any assets and you may fail to recover your costs from him/her.

You end up having to pay your own legal costs, which can be substantial.

How much liability cover should I take out?

That depends on the type of business you have and the risk factors attaching to it.

You should talk to one of our experts.

The consultation is free and you will have the peace of mind that comes from knowing that you are fully covered, that you haven't missed something.

Cover usually starts from €1.300,000 and goes up in accordance with your individual requirements.

Can I get short period cover?

Yes. This covers once off events, such as a St Patrick's Day parade, Christmas Lights, Summer camp etc.

This cover is subject to terms and conditions and we strongly advise you to get the assistance of one of our qualified experts before taking out a policy.

What choices do I have?

You can decide to do nothing and run the risk of being put out of business by a claim or you can pay a tax deductible premium, spread the risk and concentrate on your business in the comforting knowledge that you have the best policy.

What should I do next?

You can telephone us on 1890 666 666

or click on the call me button and we will contact you at a time which suits

Or use the quote button .

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Combine your liability insurances to get complete cover   against risks.      {KomentoDisable}                                    

A Commercial Combined Policy is, simply put: an insurance policy  designed to suit your individual business.  This type of Insurance policy will cover a wide range of  occupations and trades. Because each business is unique so too should be a combined liability policy.  It is important to discuss and quantify the requirements of your business with mypremium.ie before deciding on the cover best suited to your business needs:

• Loss or damage to buildings, machinery, general contents and stock
• Business interruption
• Money – held on the premises or by an authorised employee
• Goods in transit
• Employers’ liability – your liability at law for injuries caused to employees at work
• Public and products liability – covers injury or damaged caused to others resulting from negligent business activities
• Computers – specialist cover available for breakdown, loss of data and increased costs                                                        

 Liability Insurance

If you are in business then you are liable if you cause injury to others.

That is a simple definition. There are numerous examples where that definition has been broadened.

That is why you cannot afford to be without liability insurance in Ireland.

We have broken liability insurance down into five categories as follows:

 Employer's Liability Insurance

As an employer you are responsible for the welfare of your employees. You have a duty of care towards them. If you are held to have breached that duty, you will have to pay compensation.

Can you afford to ? What impact would this have on your business? Even if you can afford to, pay compensation, is this a good use of resources. Remember, an insurance premium paid on behalf of your business for employer's liability insurance in Ireland is tax deductible.

Various factors can influence the premium you pay, such as number of employees, type of business, risk factors, history of claims.

Public Liability Insurance

If you cause injury to another, then you are liable to pay compensation.

If you invite members of the public onto your premises, and the condition of your property causes them to receive an injury then you could be facing a large claim for compensation and legal costs.

Talk to one of our qualified experts today for tips on how to reduce your public liability insurance costs.

Product Liability Insurance

If you manufacture a product which is faulty in any way and which causes injury to the user, then you could be facing a large number of claims.

It is a worry that all producers face. That is why product liability insurance was developed.

As the production process and the risk factors vary so much between individual companies you should talk to one of our qualified experts to ensure that you have covered everything at the best value premium. The consultation is free. It will give you peace of mind and leave you free to concentrate on developing your product.

Directors and Officers Liability Insurance

Directors and Officers owe a duty to the company. If they are negligent in their capacity as directors or officers they can be sued. If their actions cause loss to the company, there is little comfort to be gained in suing them if they have little or no assets. That is where directors and officers liability insurance comes to the rescue. It will cover the losses,costs and expenses incurred as a result of their negligence as stated in the policy document. No company should be without it.

Combined Liability Insurance.

Combined liability insurance takes the best of the previous policies and packages them to suit the individual business.

It is important to quantify your needs and ensure that the policy covers them adequately.

You don't want to under insure or over insure.

You should talk to one of our qualified experts today.

Contact us by telephone on 1890 666 666 or click on the call me back buttton above

or click on the quote button (above) to start the comparison process today.{KomentoDisable}

  Start here for your business/company insurance.

Running a business is challenging. It can be difficult to find out what products are available for business insurance and how much do I need.

That is why we have put together these short snippets of information on the various types of business insurance products, that can help protect your business and bring you peace of mind.

Payment of the premium by installments can be arranged.

  Liability Insurance.

Dealing with others brings its own risk.

No matter how remote and small your business may be, you still have a customer and therefore there is liability.

Different specialist insurance products have evolved to meet the varying circumstances of risks in the business world.

There are five liability insurance policies that you should consider.

Employers liability, Public Liability, Product Liability, Directors and Officers Liability,

Combined Liability(This combines the best bits)

Business Interruption

This cover is essential. This covers your earning power, to the extent by which it is affected as a result of an event which is covered by the policy, such as fire or flooding. The bills still have to be paid and your loss of income could have a disastrous effect on your financial future. Don't risk it. Get it insured today. You need to examine your average income and potential income for the period of loss. If in doubt,talk to one of our qualified experts  about business interruption insurance.

Professional Indemnity

 Mistakes happen. Professional indemnity insurance protects you when you make a mistake in your work.

Claims happen. If a client suffers financial loss as a result of your mistake, or that of one of your employees or agents, then you could be facing a large claim for compensation and legal costs.

Don't suffer sleepless nights worrying about the consequences. Take action now to protect against them. Take out professional indemnity insurance. This can be a complex process and therefore we recommend that you talk to one of our qualified experts who will guide you through the process.

Commercial Vehicle

It is a legal requirement and you should let us compare the market for you. There are various packages available for businesses with varying numbers of commercial vehicles to insure in Ireland.

Contact us today and we will get to work for you, saving you time and money on your commercial vehicle insurance.

Commercial Property

 If you are leasing the property, you still need contents cover. You should make a list of all the equipment, furniture, etc. that you have in your business. Then calculate the cost of replacing them.

If you own the property, then you should review before you renew.

Don't undervalue or overvalue. If you under insure you will not get the proper compensation, in the event of a claim. If you over insure, you are just wasting your money.

We can help you to compare the market for commercial property insurance
 

Corporate and Business Travel

If you need to travel in the course of your business, check out our travel insurance quotes.

You can save a lot when compared to just taking what is on offer through the travel company. Consider multi trip insurance.

When things start to go wrong on an important business trip, that's when you appreciate travel insurance.

Commercial Legal Protection

Legal costs can be expensive. Whether you are pursuing a case or defending one. Legal costs insurance can help you get legal advice early, and perhaps avoid the pitfalls.

This is a summary of what's on offer in the insurance market in Ireland.

You can contact us for free advice on insurance and how to make sure that you are adequately covered.

Telephone 1890 666 666

 Or Click on the call me back button and start your business insurance enquiry today

or use the quotation button below.{KomentoDisable}