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Then fill in the details for a quote and , if you decide, instant cover .

Don't delay. Get your travel cover organised today.

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Legal Expenses Insurance.    

Let's face it, the current commercial climate in Ireland has become even more complex.

More people see litigation as a means to increase their cash flow.

Where, in the past, people changed jobs more easily, and perhaps solved a potential employment law dispute, now that option is not as freely available, and you as the employer may find yourself the subject of an expensive employment law dispute.

So what do you do?

The wise thing is to take professional legal advice.

This can be expensive, however, not taking legal advice can be more expensive.

The good news is that you can budget for this expense, in a tax efficient way.

By taking out Legal Expenses insurance, you limit the cost of a dispute, financially and by getting good advice and service, you minimise the effect of a dispute on your business. {KomentoDisable}

Mypremium.ie can design a wide ranging legal expenses insurance policy for you.

We can cover legal expenses protection for a number of risks such as contract and employment disputes and criminal prosecution.

To make sure that you get a tailormade policy talk to our experts today.

 What is gadget insurance ?

 Think of what life would be like without your phone, tablet, digital camera.

 If they got damaged, stolen or went wrong, could you cover the cost of replacing them?

 How much would it cost?

 With proper gadget insurance you can spread the risk over small monthly payments.

 It's cheaper than you think. In Ireland we have a very high number of mobile phones per person.

We like to communicate. Don't leave yourself lost for words. Take out gadget insurance today. 

What should I look for in Gadget Insurance?

• Repair, replace, recover accidentally damaged or stolen items. A good policy should include this. Is it “new for old” replacement?

• Worldwide cover

• Liquid damage coverage

• Unauthorised calls

• Theft

• Breakdown

• Multiple gadgets discount

• Monthly or annual payment option.

Can I insure my gadgets today?

Yes. Fill in the form below and get instant cover.

 If there is anything you are unsure of, just give us a call on 1890 666 666

 We're here to help you.

Or click on the live help button below to start an instant live chat.

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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}

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.

What to look for when insuring your mobile home.

Your mobile home represents a significant investment. 

mypremium.ie can provide a tailored mobile home insurance policy for your specific needs.

Some Key Features:

• New-for-old cover available
• Public liability
• Low policy excess
• Legal liability to tenants available

Some Policy Benefits:

• Fixtures, fittings, aerials, satellite dishes, verandahs, decking or shed covered
• Cover provided for storm damage
• Fire Brigade charges (limit applies)
• Assistance provided should your unit become uninhabitable as a result of an insured risk
• Cash protected (Limits apply)

Some tips to help you protect your mobile home

• Ensure your water system is fully drained down between the 1st of October and the 31st March and the water turned off by a stopcock.
• Inspect your unit on a regular basis.
• Review your sums insured each year – this may help reduce your premium.{KomentoDisable}

 Protecting what's important.

 Term Life Assurance

The life company undertakes to pay out the sum assured on the happening of the specified event within the term, e.g. on death. There is no other benefit. A term assurance policy never acquired a cash or surrender value. Cover ceases at the end of term. If the policy holder wants to continue the cover they will have to apply for a new policy at that stage.

The term can be from 1 year upwards to maybe 25 or 30 years. Most life companies have an upper termination age which is usually 75 or 80.

The premium is fixed at the outset and varies according to:

• Term

• Age

• Smoker status

• Health status

• Nature of cover

• Level of cover

Policies can be taken out on a Joint life or dual Life basis. Joint Life provides cover for both lives but will only pay-out on the first death at which time cover on the second life will then cease. Dual Life Cover – provides cover for both lives independently, with separate pay-outs possible on the death of both lives assured. Hence in the event of death of the first life, cover will continue on the second life insured.

We can choose from a range of different Product Providers with the following flexibility:

• Increase/ decrease sum assured

• Extend or reduce term of cover

• Add or remove benefits

• Convertible

• Indexation

• Life Events options{KomentoDisable}

  

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Stand Alone Serious Illness

 Do you already have adequate life cover?

It is possible to take out a plan for Serious Illness cover only to protect yourself in the event of being diagnosed with a serious illness.

This cover provides a payments of a capital sum in the event of the life assured being diagnosed as suffering from one of the serious illnesses covered under the policy.

For example the most common serious illnesses suffered in Ireland are cancer and heart related illnesses.

Normally there is also a requirement that after diagnosis the life assured survive a minimum period

from the date of diagnosis i.e. 14 days.

This plan is not designed for the benefit of dependants, rather to provide benefits for the policyholder

themselves in the event of serious illness striking. More than likely following a serious illness the life

assured will no longer be able to work therefore will have no income. The capital lump sum can be

useful to provide money to pay the following: Mortgage, paying hospital bills, paying specialist

consultants, renovating the house to facilitate the illness etc.                       {KomentoDisable}

If you would like further information, please feel free to call us on 1890 666 666

Or use the quote button.

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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  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}

Key Person Insurance

 A company has a separate legal entity from its shareholders and employees. Therefore the death of a shareholder or employee does not directly cause the ‘’death’’ of the company. However, the death of a ‘’key’’ shareholder/employee could, in certain circumstances, lead to a financial loss to the company, due to the loss of the particular expertise, reputation, experience and contacts the individual had.

Keyperson Insurance seeks to financially protect the shareholders of the company against this potential loss.

Keyperson Insurance is therefore a term used to describe life assurance effected by a company on the life of one of its key employees or directors with a view to compensating the company for an anticipated financial loss of profits following the death of that individual.

Quantifying the Loss

The death of a key employee or director could cause a financial loss to the company in two different ways:

• Loans to the company could become repayable, particularly any loans from banks or any other institutions for which the individual had given a personal guarantee.

• Loss of profits caused by the loss of the individual’s expertise, experience, contacts and knowledge of business.

It is very difficult to quantify the loss of profits. One measure used is to take a multiple of the individual’s remuneration, say between 5 and 10 * remuneration. Keyperson Insurance is not meant to generate a windfall profit for the company rather to replace the anticipated loss of profits on the death of the individual.

A Keyperson Insurance policy is a life of another policy, with the company as the proposer and policyholder, and the key employee as the life assured. {KomentoDisable}

Income Protection for you.

With tax relief up to 41%

Ever wondered how you will pay your bills/ mortgages, look after your family should you be unable to work and have no income?

mypremium.ie can ease this worry for you by protecting your income with an Income Protection policy.

A huge benefit of taking out an Income Protection policy is that you can avail of tax relief at your marginal rate of tax thus making your premium more cost effective. (Your premium will be reduced by either 20% or 41%)

I am self-employed how does this affect me?

The government will only pay State Illness benefit of €188 per week for employed people. Therefore if you are self-employed you will have to be entirely self-sufficient and it is extremely important that you protect your income with an income protection plan.

Income Protection pays out a regular income (up to 75% of gross income) after a deferred period should you be unable to work due to sickness, accident or disability up to retirement age.

Here at mypremium.ie we can choose from a huge range of Product Providers to tailor the best plan to meet your specific needs.

Flexible Options:

• Range of Deferred Periods: 4, 8, 13, 26 & 52

• Guaranteed Premiums- premium will remain fixed for the whole term of the plan

• Access to Best Doctors- a second medical opinion

• Waiver of premium- do not pay your premium during a claim

• Guaranteed Insurability: Increase your cover by up to 20% of the original amount every three years

• Own Occupation- benefit paid if insured is unable to carry out their normal occupation

• Change of Occupation- life insured is not penalised for changing occupation

• Indexation- premium & cover amount will increase each year

 Is my income protection affected if I change jobs?

If your income protection was paid for by your previous employer as a core benefit, then you should consider taking out a new policy to cover your new circumstances.

Factors which can influence your decision include; amount of cover required, your income, will your new employer pay for it?

What other policies should I consider?

In addition to income protection, you should examine the benefits of the following:

mortgage payment protection insurance>>

accident & sickness plan>>,

medical cash plan>>,

personal accident plan>>

income cash plan>> and

best doctors plan >> .

These are general insurance plans, which are designed to provide cash support when you need it most.

You should explore their benefits when trying to arrange the most affordable way to protect against life's difficulties

You should compare the market when seeking information on income protection.

Our experienced experts can prepare a quotation for you based on comparison of the best policies available, and will help you decide on your best policy.

Protect your family today, don’t delay. Call one of our Financial Advisers on 1890 666 666 for an in-depth consultation.

Or use the quote button 

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