Frequently Asked Questions

Personal Insurance > Home Insurance

• Q: Does your policy cover Contents away from Home?

  A:

  We can offer a Gold Star home policy that provides cover worldwide automatically for any personal property temporarily removed from the premises. Refer to our Home section of this website for an explanation of this policy.

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• Q: Would my home be covered when I am on holidays and it is left unoccupied?

  A:

  All home policies contain an "unoccupancy" clause that limits cover to 60-90 days without a person living there. This can be extended if approved in writing by an insurer subject to the payment of an extra premium or higher excess to be applied.

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• Q: I have some valauble jewellery - do I need to cover these items separately?

  A:

  There are certain types of items such as valuable jewellery that need to be specified on a Home Contents policy to provide full cover beyond the standard policy limit. To specify an item on your policy you need to provide a recent certificate of valuation or similar documentary evidence of its value. Check our Home insurance section for details of the cover limitations.

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• Q: I work from home and have an office with a computer and furniture - is this covered by your Home insurance?

  A:

  Our IBNA Home policies automatically cover Office furniture and equipment on the premises subject to certain value limitations. However you need to arrange Public Liability insurance in connection with your business as your Home policy does not cover legal liability arising out of earning an income (except babysitting).

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• Q: I'm aged over 50 - do you provide me with a discount?

  A:

  Some insurers provide a discount for Over 50s policyholders while others do not. An over 50's age discount alone from an insurer may not result in the best value option for you.

  When we enter your details into our online electronic premium calculation system we include the age of the client and other important rating factors so we obtain the  most competitive price according to the all the factors that affect the premium cost. 

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