- What are my contents covered for?
Loss or damage as a result of an insured risk covered by the policy. Subject to the Terms and conditions of the policy your contents are covered for loss or damage arising from a number of risks including fire, flood and theft (see
summary of cover for full details of how your contents are covered).
- Is my P.C. covered?
Yes, up to a value of €2000 for any one item subject to the terms and conditions of the policy.
- How do I make a claim on my household policy?
- Do you offer no claims discount on the policy?
Yes, we offer up to 5 years No Claims Discount, providing you have held a claim free household policy in your own name.
- If I have items valued at more than €2000 what should I do?
The Contents section of our policy only covers items up to a value of €2000 for any one article subject to the terms and conditions of the policy.
If you have any item exceeding this value then you should list these items separately under the "High value items" section within the quotation.
- How do I contact Liberty Insurance?
Phone on 1890 89 1890
- How do I make changes to my policy after it has started such as adding a higher valued item?
Contact our Customer Care Dept. on 1890 89 1890
- Can my quote be sent to me?
In most circumstances you can request your quotation to be sent to you by E-mail or SMS in our call centre. To request your quote, contact us on 1890 89 1890.
- How do I know what my renewal premium will be?
Your renewal notice is automatically issued approximately 30 days before your renewal date. We will post this directly to you, and you can also view your renewal details online using MyAccount. This will enable you to renew your policy online.
- What are ‘valuables’?
Valuables - Jewellery, items of gold, silver or other precious metals, timepieces, photographic equipment, binoculars, works of art, antiques, furs, musical instruments, collections of stamps, coins or medals, TV, video, audio and computer equipment.
- Is this a ‘new for old’ policy?
Yes. If you make a valid claim for your contents, we will replace, repair or pay an amount to replace the item as new with an equivalent item.
Many policies make a deduction for wear and tear of older floor coverings, household linen and clothing. At Liberty insurance, we will not make a deduction for wear and tear of these items, so you will not be at a loss replacing these damaged items.
- I use my home for business, am I still covered?
We do not cover homes used for business purposes other than paperwork, telephone calls and computer work. Contents owned by the business are not covered and no liability is covered in relation to the business. If you run a child minding business from home with up to 3 children we can still offer you cover but you will need to contact our private lines call centre on 1890 89 1890.
- Why would I need extra pedal cycle cover?
The Contents section of our policy covers pedal cycles with a value up to €300 subject to the terms and conditions of the policy. If your pedal cycle is valued at more than this you will need to specify it under the "Pedal cycles" section within the quotation. The maximum value we cover is €600.
- What is covered by ‘Accidental Damage’ under my Home Contents Policy?
Accidental damage is any sudden and unexpected damage which is not caused deliberately. Accidental damage is an optional extension to your policy. Cover is subject to the terms and conditions of the policy booklet.
- What is covered by ‘Accidental Damage’ under my Home Buildings Policy?
Accidental damage is any sudden and unexpected damage which is not caused deliberately. Accidental damage is an optional extension to your policy. Cover is subject to the terms and conditions of the policy booklet.
- If I have a claim, will you appoint a Builder/Assessor to deal with my claim?
If the worst happens and you need to make a claim, our claims team will appoint a Regional Claims Manager to handle all aspects of your claim. In most cases you will have the ability to appoint an assessor/builder of your own choosing to carry out repairs to your property but in some cases we may decide to appoint an assessor/builder to carry out repair works.
- What happens if I move house?
You will have to cancel your existing policy and take out a new policy on your new home.
- What is the rebuild value of my house?
If you are unsure of the rebuilding value of your house you should get an independent valuation from a builder, architect or surveyor.
- What happens if I want to cancel my policy?
You may cancel your policy at any time by notifying us. If you cancel your policy within the first 14 days, you will be charged an administration fee of €25 and a charge for the time your policy was active. If you cancel your insurance policy after 14 days please refer to your policy booklet for further details. If you cancel your policy following a claim there will be no refund of premium.
- Who can be a joint policyholder?
Anyone who has a joint mortgage with the policy holder.
- Who can I call in an emergency?
Home Emergency Assistance is included on all Liberty Insurance policies with both buildings and contents cover. This means if there is an emergency in your home, we can provide help 24 hours a day, 365 days a year.
Home emergency assistance Freephone number:
1800 209 300.
Home emergency assistance covers the cost of the call-out, labour and materials up to €250 for certain emergency repairs.
If you make a claim under this section, it will not affect your no-claims discount.
Find out more ...
- What is home emergency assistance?
Home Emergency Assistance is included on all Liberty Insurance policies with both buildings and contents cover. This means if there is an emergency in your home, we can provide help 24 hours a day, 365 days a year.
Home emergency assistance Freephone number:
1800 209 300.
Home emergency assistance covers the cost of the call-out, labour and materials to €250 for certain emergency repairs.
If you make a claim under this section, it will not affect your no-claims discount.
Find out more about
home emergency assistance.
- Will the new Insurance Compensation Fund levy affect my insurance premium?
The new 2% Insurance Compensation Fund levy applies to policies incepted or renewed on or after 1 January 2012. The price we have quoted you includes this statutory charge.
Home Insurance Policy