Personal & Family Insurance FAQs

Yes most insurers encourage their policyholders to accept a higher excess in consideration for a reduced premium as a higher excess structure reduces their claims handling expenses. There are usually a range of excess options available with a scale of discounts applicable.

Donnellys Services

Home Insurance

Question: Does my policy cover Contents away from Home?

Answer

We can offer a Gold 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.

Question: I have some valuable jewellery – do I need to cover these items separately?

Answer

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.

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

Answer

Our 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).

Question: I’m aged over 55 – do you provide me with a discount?

Answer

Some insurers provide a discount for Seniors’ policyholders while others do not. A Seniors’ 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 your  age and other important rating factors so we obtain the  most competitive price according to the all the factors that affect the premium cost – not just your age.

Flood Insurance

Question: What is the difference between storm, water damage and flood damage?

Answer

Flood generally means:

  • the complete covering of normally dry land by any water:
    escaping or released from the normal borders of any lake or natural watercourse or any reservoir, canal, dam, or storm water channel or cannot enter such due to water already having escaped or been released

Storm means:

  • cyclone, hurricane, rain, snow, sleet or hail

Water Damage means:

  • water suddenly escaping from a water carrying or holding device due to the bursting, leaking, or discharging or overflowing of the device

Storm and Water Damage are normally covered under a Standard Home policy but Flood is sometimes optional.

Coverage Queries

Watercraft Insurance

Car Insurance

Question: What happens if my car is wrecked in an accident?

Answer

We can cover you for a new replacement vehicle if it written off with the first 3 years of initial registration. For an older car, you would receive what is called the “market value” of the car which is the cost of replacing the vehicle with an equivalent replacement one in the same condition and usage. Alternatively, you can buy an agreed value policy for a slightly higher premium that guarantees the amount you will receive in the event of a write-off. Our policies also provide a special benefit which pays an additional amount if your car is under finance and the write-off claim amount is less than finance amount owed.

Question: My son / daughter has their Learners permit, can they drive my car?

Answer

Yes a young learner can drive your car but in the event of an accident there would be an inexperience &/or under 25 years of age excess applicable in addition to the basic excess payable. Once the learner has a provisional license, he or she must be disclosed on your policy as a possible driver, otherwise an “undisclosed driver” additional excess would be payable in the event of a claim. It is important that they be listed as a regular driver if so because they can then accumulate their own “no claim bonus” entitlement.

Question: My friend has the same car as me but their premium is much cheaper?

Answer

There are many premium rating factors that affect the amount payable for a car insurance policy so just because someone has the same type of car, the premium is not necessarily the same.

Question: Can I choose to have a higher excess for a claim to save money?

Answer

Yes most insurers encourage their policyholders to accept a higher excess in consideration for a reduced premium as a higher excess structure reduces their claims handling expenses. There are usually a range of excess options available with a scale of discounts applicable.