Home Insurance

Your Bank of Ireland home insurance cover at a glance.

Your Home Insurance Policy

Your Bank of Ireland home insurance policy at a glance:

  • Family Home, Holiday Home or Rented Property
  • Buildings and Contents
  • All Risks
  • Perils (Fire, Storm, Flood, Stealing)

Our Price Guarantee. It’s simple, we’ll save you at least €50 on your Home insurance renewal.1

Our offer applies to new Bank of Ireland Home insurance customers buying a Buildings and Contents insurance policy for owner-occupied or buy-to-let properties. Written proof of your current renewal offer, showing like-for-like cover, is required. If we can’t beat your existing renewal, on a like-for-like basis, the difference plus €50 will be paid back to you within 60 days of your policy start date.

Includes 30% off our standard home insurance rates. Minimum premium of €231 applies. Read more about our 30% offer.

This offer, which ends on the 30th September 2016, is available to new policies, for the first year only and is not available in conjunction with any other offer.

Acceptance criteria, terms and conditions apply.
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  • Key features and restrictions
    • Our buildings insurance doesn’t just cover the structure of your home, but also provides protection for your permanent fixtures as well – from bathroom units to the kitchen sink Our contents insurance covers all household goods kept within the home, such as your clothes, books and furniture
    • The Contents Sum Insured is automatically increased by 10% at no extra cost during the months of December and January for Christmas Gifts and for one month either side of a wedding in your Household.
    • We provide a 24 hour emergency helpline
    • Our claims process is quick, simple and hassle-free
    • Accidental Damage: Your policy automatically includes Accidental Damage cover on buildings. You can also choose to include accidental damage on contents to protect you against accidents caused by mishaps such as a spillage on your carpet or an ornament being knocked off a shelf.
    • Unspecified All Risks: We can provide cover for loss or damage to your personal possessions both inside and outside your home e.g. if you have your camera stolen on holidays
    • Policy Excess: Our minimum standard excess is just €250, which means you will pay the first €250 of a claim. You can also choose to select a higher excess in return for a reduction in our standard rates.
    • Free Instalment plan. You can pay annually or monthly by Direct Debit free of charge or by Credit / Debit Card.

    You can choose to select cover alterations in any combination of the following:

    • Accidental Damage cover on Contents Unspecified All Risks cover – We can provide cover for loss or damage to your personal possessions both inside and outside your home e.g. stolen camera
    • Increase your minimum standard Policy Excess from €250 to €500, €750 or €1,000 Our home insurance cover aims to make you feel comfortable and secure in your house at all times. Our experts are leaders in home insurance in Ireland, and can tailor a policy to suit you, call in or contact us today.
  • Terms and conditions
Guarantee to Beat Terms and Conditions

1 Bank of Ireland Insurance Services Limited (BIIS): Home Insurance Price Guarantee Terms & Conditions:
This offer only applies to new Bank of Ireland Home insurance customers who buy an insurance policy for owner-occupied or buy-to-let properties, covering both Buildings and Contents;
This offer and your quotation are subject to RSA’s standard underwriting criteria;
This offer does not apply to properties where flood or subsidence cover has been excluded or where additional terms have been applied for flood or subsidence;
Your insurance renewal with your existing insurer must match the cover levels provided by your BIIS insurance quotation, including the sums insured for Buildings & Contents, Accidental Damage, Specified All Risks and Policy Excess;
Subject to the qualifying criteria, we promise to beat the renewal premium offered by your existing insurer and save you at least €50, provided that you buy the BIIS policy;
If our quotation is dearer than your existing insurer, we will pay you back the difference plus €50;
If our quotation is the same as your existing insurer, we will pay you back €50;
If our quotation is less than €50 cheaper than your existing insurer, we will pay you the difference to make up the value of €50;
If our quotation is more than €50 cheaper than your existing insurer, you are not eligible for a payback.
Your premiums will be based on your initial quotation and any payback will only apply once the qualifying criteria are satisfied;
To qualify for the offer you must send us your renewal offer, showing existing cover levels and premium details from your current insurer. A pre-paid, addressed envelope will be included in your cover confirmation pack to facilitate the return of these documents to us within 30 days of buying your policy;
If you do not provide your renewal offer or if it does not meet the qualifying criteria, you will not be eligible for the ‘Guarantee to Beat’ payback. In some circumstances we may require sight of the original renewal offer;
The payback, where it applies, will be paid into the bank account from which your premium instalments are paid (for Direct Debit customers) or by cheque (for customers who have paid in full) no more than 60 days after the policy start date, provided that the policy has not been cancelled during this period and that all instalment payments are up to date;
If the policy is cancelled, for any reason, within 12 months of the start date, we reserve the right to reclaim any payback made by virtue of this offer; Policy terms and conditions apply;
This offer, which ends on 30th September 2016, is available to new policies, for the first year only and is not available in conjunction with any other offer.