LIFE & PENSIONS

For an accurate estimate, consult a qualified surveyor or property assessor. They'll evaluate factors like size, materials, and location to provide an estimate. The Society of Chartered Surveyors Ireland (SCSI) website provides a useful guide to calculate average rebuilding costs - visithttps://scsi.ie/consumer/build/calculator/Make sure to regularly review and update your property value to ensure proper insurance coverage.

Comprehensive Cover provides extensive protection, including damage to your vehicle and third-party liability. Third-party fire and theft cover protects against fire or theft damage, along with third-party liability. Third-party only cover offers basic protection, covering only third-party liability. We work closely with our customers to ensure they select the right cover for their needs.

Contents Cover under a Home Policy insures your belongings against theft, fire, and damage inside your home. It typically includes items such as furniture, electronics, clothing, and personal valuables. As with any policy, it's important to review your policy to understand the specific items covered and any limitations or exclusions that may apply.

Whether you should have Serious Illness cover depends on your individual circumstances, but it is often recommended. This type of insurance can provide valuable financial support by replacing your income during periods of recovery from a serious illness. Considering that most people return to work within 1 or 2 years after such an illness, having this cover can offer peace of mind and help maintain financial stability during challenging times.

The cost of Life Insurance varies widely based on factors such as age, health, lifestyle, coverage amount, and policy type, with monthly premiums ranging from a few euros to several hundred euros or more so it is important to speak with a financial advisor to ensure you arrange the right cover for yourself.

It's best to start saving into a pension as early as possible to take advantage of compound interest and maximise your retirement savings. For every five years you delay in setting your up your pension, it will cost you double to get the same return at retirement.

Saving for a pension is crucial because it helps maintain your standard of living after retirement when you no longer have a regular income from employment. With the increasing cost of living, relying solely on a State Pension may leave you with a shortfall in the cost of maintaining your desired retirement lifestyle.

Commercial insurance offers various policies tailored to your specific needs, including Employers & Public/Products Liability, Property Insurance, Business Interruption, Professional Indemnity, Garage Combined, Motor Trade Road Risks, and Motor Fleet & Special Types.

Commercial insurance provides coverage for businesses against financial losses resulting from various risks such as property damage, liability claims, and business interruption.

The cost of commercial insurance varies depending on factors such as the size and nature of your business, the coverage needed, and the level of risk involved.

Equine Third-party liability insurance typically covers damages caused by your horse while ridden by someone else, as long as they have your permission to ride and are not acting negligently. However, it's essential to review your policy terms and conditions to ensure coverage for such situations.

Livery yard insurance provides protection for businesses that offer boarding and care for horses. It typically includes coverage for property damage, liability claims, and business interruption, safeguarding the business against financial losses arising from various risks.

Individual Public Liability insurance provides coverage for liability claims arising from incidents involving your horse causing injury or property damage to third parties while on public property.

The type of equine insurance that covers theft, mortality, and lifesaving surgical fees is called Mortality Insurance.