Alarm?
We will give you a 14.5% discount on your premium if you have an approved alarm system.This discount increases to 19.5% if the approved alarm is monitored.The alarm system must be installed to EN50131 (old IS199)standard that is maintained by a company approved by the NSAI(National Standards Authority of Ireland),EQA Ireland,Management Systems Certification Ltd.,SSAIB or CerticCS.The installer should hold a P.S.A.(Private Security Authority) licence.
Buildings cover
This offers protection from a wide range of dangers, and covers your buildings and other permanent fixtures on your property, such as outbuildings, fixtures and fittings, interior decorations, fences and walls. The amount of cover you choose is very important. This is known as the sum insured. You should base this on the ‘rebuilding’ cost of your home and not on the ‘value’ of your home. (You can use the rebuilding cost calculator , that is based on information provided by the Society of Chartered Surveyors to help calculate the correct rebuilding cost). HomeCare buildings cover is index-linked. This means that we will increase your cover to take account of increased rebuilding costs each year, unless you tell us not to.
Contents cover
Contents include household goods and personal belongings (including personal money up to €400) while in your home, which belong to you or any member of your household. HomeCare gives you contents cover on a ‘new for old’ basis. This means that, in most cases, we will replace stolen or damaged items with new items. You can choose an amount for your contents cover based on a percentage of your buildings sum insured – choose from 20%, 30%, 40% or 50%. For example, if your buildings are covered for €200,000 and you choose the 30% option, you get €60,000 contents cover.
Security Standards
You may need to have additional security features on your house
before we can offer you a quote. These additional requirements are:
Cover for jewellery, personal belongings, bicycles and money
This is designed to cover high-risk and valuable items while away from your home including jewellery, watches, cameras, binoculars and sports equipment. There are three options to choose from online. The table below shows what options are available, and the limits under each option.
| Option | Cover Total Amount | Single Article Limit | Bicycle Limit | Personal Money |
|---|---|---|---|---|
| A | €5,000 | €1,500 | €500 | €130 |
| B | €7,500 | €2,500 | €500 | €130 |
| C | €15,000 | €3,500 | €500 | €200 |
For example, Option A would cover five items worth €1000 each. A Single Article Limit is the maximum amount that any ONE item can cost to replace. (i.e. a ring worth €1,000 would be covered with a Single Article Limit of €1,500, but a ring worth €1,600 would not)
If you need cover for a single item that is worth more than the Single Article Limit of the options above, please contact us on 1890 332 211 for further assistance (certain conditions may apply).
Items such as Mobile Phones, or Laptop Computers need to be specifically named on your schedule, and are not automatically covered by the Optional Cover option on your policy. Hearing Aids are not covered by the Homecare policy.
Years You Have Held House Insurance Claims Free
Select the number of years that you have held a house insurance policy claims free. If you are a first-time buyer then select "First Insurance".
Other Aviva policies
You can get a 5% discount on your home insurance if you have other Aviva policies. The annual premium for the other policy must be over €125.
Providing your full address to get a quote
In order to accurately assess the risk and provide you with the best price possible, we ask that you match your address to the An Post's national address file. The address entered here should be the address of the property to be insured, and may not necessarily match the postal address. If you wish to enter a different postal address, you may do so at the Apply for Policy stage.
How to enter your address
If your house has a number, then you should put that
in Address Line 1.
For example, if your address was “15 Main
Street, Drumcondra, Dublin 9”, you should enter it as follows:
| House Name | _________________ |
| Address Line 1 | 15 Main Street |
| Address Line 2 | Drumcondra |
| Address Line 3 | _________________ |
| County | Dublin 9 |
If your house does not have a number, you should put
the name of your house in the House Name field, and your townland in
Address Line 1.
For example, if your address was “The Willows,
Ballyclough, Co. Limerick”, you should enter it as follows:
| House Name | The Willows |
| Address Line 1 | Ballyclough |
| Address Line 2 | _________________ |
| Address Line 3 | _________________ |
| County | Limerick |
If you live in a new estate or house, your address
may not be in the An Post directory yet. You can enter the townland
as your Address Line 1, and leave out the name of the estate at this
stage (you can amend the postal address at a later stage).
For
example, if your address was “415 NewEstate, Knocknacarra, Salthill,
Galway”, you should enter it as follows:
| House Name | _________________ |
| Address Line 1 | Knocknacarra |
| Address Line 2 | Salthill |
| Address Line 3 | _________________ |
| County | Galway |
If you are unable to match your address, please call us at 1890 33 22 11, or email us at direct@aviva.ie and we will be glad to help.
A promotional code is a code you can use to get a special discount during a promotional period. If you have a valid Aviva code, please enter in the field provided.