Cost Comparisons
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This survey is correct as at end December 2009. See our home insurance section for more home insurance information. Please read our disclaimer before you use our information.
Click on individual firms' names for more detailed information on the quotes below and what is included with them and always check the policy details before deciding to buy.
Individual brokers and online brokers are not included in our cost comparison surveys. You should get quotes from a variety of sources including insurance firms, brokers, and online. Remember, the cheapest quote may not always represent the most suitable product for your individual circumstances.
You may want to check out our shopping around checklist to help you ask the right questions when you are looking for quotes yourself and to keep track of discounts and benefits.
Profile Summaries
| Profile - 1 | My home is a 3 bedroom semi-detached house in Killester, Dublin 5. The rebuilding cost is €234,000 and the contents are worth €46,800. I would like 'unspecified all risks cover' up to €3,025 and specified jewellery cover of €11,500. |
| Profile - 2 | My home is a 3 bedroom semi-detached house in Bray, Co. Wicklow. The rebuilding cost is €175,000 and the contents are worth €52,500. I had a claim in 2007 for fire damage of €8,000. |
| Profile - 3 | My home is a 2 bedroom, mid terraced, local authority house in Strandhill, Co. Sligo. I am looking for contents only insurance. The contents are worth €32,000. |
| Profile - 4 | My home is a 4 bedroom detached farmhouse in Kill, Cootehill, Co. Cavan. The rebuilding cost is €210,000 and the contents are worth €60,000. Insurance is required solely for the farmhouse. |
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| Broker/Direct | Quotations | Excess1 | |
| Allianz | Direct | €604 | €250 |
| AXA | Broker | €693 | €250 |
| ChartisDirect | Direct | €4792 | €500 |
| FBD | Direct | €4943, 4 | €200 |
| Aviva | Direct | €482 | €275 |
| Lloyds via Getcover.com5 | Direct | €398 | €175 |
| Quinn Direct | Direct | €4456, 7 | €125 |
| RSA Insurance Ireland Ltd8 | Broker | €607 | €250 |
| Zurich | Direct | €483 | €250 |
* Claim in 2007 for fire damage (€8,000) |
| Broker/Direct | Quotations | Excess1 | |
| Allianz | Direct | €423 | €250 |
| AXA | Direct | €416 | €250 |
| ChartisDirect | Direct | No quote due to previous claim. | |
| FBD | Direct | No quote due to previous claim. | |
| Aviva | Broker | No quote due to previous claim. | |
| Lloyds via Getcover.com5 | Direct | No quote due to previous claim. | |
| Quinn Direct | Direct | €448 | €125 |
| RSA Insurance Ireland Ltd8 | Broker | €413 | €250 |
| Zurich | Direct | No quote due to previous claim. | |
|
| Broker/Direct | Quotations | Excess1 | |
| Allianz | Direct | €84 | €250 |
| AXA | Broker | €155 | €250 |
| ChartisDirect | Direct | €989 | €500 |
| FBD | Direct | €75 | €200 |
| Aviva | Broker | No quote.10 | |
| Lloyds via Getcover.com5 | Direct | €97 | €175 |
| Quinn Direct | Direct | €124 | €125 |
| RSA Insurance Ireland Ltd8 | Broker | €102 | €250 |
| Zurich | Direct | €286 | €250 |
|
| Broker/Direct | Quotations | Excess1 | |
| Allianz | Direct | €39211 | €250 |
| AXA | Direct | €438 | €250 |
| ChartisDirect | Direct | No quote for non-standard residential property. | |
| FBD | Direct | €34212, 13 | €200 |
| Aviva | Direct | €352 | €275 |
| Lloyds via Getcover.com5 | Direct | €300 | €175 |
| Quinn Direct | Direct | €288 | €125 |
| RSA Insurance Ireland Ltd8 | Broker | €453 | €250 |
| Zurich | Direct | No quote provided as the insurer would not insure a property on a farm. | |
1. Excess - This is the first part of any insurance claim that you have to pay yourself. It is usually a fixed sum.
2. Quote based on a composite rate of €240,000 buildings and €50,000 contents. The contents cover is calculated as a set percentage of the rebuilding cost. All risks cover for unspecified items is €4,000.
3. A limit of €1,300 applies to any one 'unspecified item'.
4. Valuations are required in respect of 'specified individual items' in excess of €5,000.
5. This Lloyd's home insurance policy is only available through Getcover.com.
6. Quote subject to a maximum value of a single specified item of €6,350.
7. The insurer does not provide cover for unspecified items.
8. RSA provide insurance policies solely through a network of brokers and corporate partners and the quotes listed above are available only through a certain number of these brokers, banks and building societies. You should contact RSA directly for further information on how you can get these quotations.
9. Quote subject to contents sum insured of €35,000.
10. No quote as the insurer is unable to provide contents only cover on a house. The insurer does provide contents only insurance for owner occupied apartments.
11. Quote subject to contents sum insured of €63,000. The contents cover is calculated as a set percentage of the rebuilding cost (30%).
12. Quote based on a composite rate of €210,000 buildings and €63,000 contents. The contents cover is calculated as a set percentage of the rebuilding cost (30%).
13. The quote provided is based on home and contents insurance under the insurer's farm policy and provides home owner and occupiers liability cover as standard.
2. Quote based on a composite rate of €240,000 buildings and €50,000 contents. The contents cover is calculated as a set percentage of the rebuilding cost. All risks cover for unspecified items is €4,000.
3. A limit of €1,300 applies to any one 'unspecified item'.
4. Valuations are required in respect of 'specified individual items' in excess of €5,000.
5. This Lloyd's home insurance policy is only available through Getcover.com.
6. Quote subject to a maximum value of a single specified item of €6,350.
7. The insurer does not provide cover for unspecified items.
8. RSA provide insurance policies solely through a network of brokers and corporate partners and the quotes listed above are available only through a certain number of these brokers, banks and building societies. You should contact RSA directly for further information on how you can get these quotations.
9. Quote subject to contents sum insured of €35,000.
10. No quote as the insurer is unable to provide contents only cover on a house. The insurer does provide contents only insurance for owner occupied apartments.
11. Quote subject to contents sum insured of €63,000. The contents cover is calculated as a set percentage of the rebuilding cost (30%).
12. Quote based on a composite rate of €210,000 buildings and €63,000 contents. The contents cover is calculated as a set percentage of the rebuilding cost (30%).
13. The quote provided is based on home and contents insurance under the insurer's farm policy and provides home owner and occupiers liability cover as standard.
Please note:
Use our jargon buster, if you need an explanation of financial terms in plain English.