Q) Who Are Best Insurance Quotes?

A) Best Insurance Quotes is 100% Irish owned and helps people in Ireland to find the best value insurance cover.

Q) When was Best Insurance Quotes setup?

A) Best Insurance Quotes is owned by Corporate Assistance Limited and was setup in 1995. The BestInsuranceQuotes.ie website went live on 6th January 2009 to help Irish consumers get the best insurance quotes available, no matter where in Ireland they are located.

Q) Are Best Insurance Quotes Regulated?

A) Yes. Best Insurance Quotes is owned by Corporate Assistance Limited and is regulated by the Central Bank of Ireland.

Q) What is included under buildings insurance?

A) Buildings insurance covers your private dwelling and can also include domestic outbuildings, garages, greenhouses, swimming pools, tennis courts, hot tubs, septic tanks, fuel tanks, terraces, patios, decks, driveways, footpaths, walls, fences, gates, hedges and fixtures and fittings.

Q) How Much Should I Insure My Buildings For?

A) Normally you should insure your home for the total cost to rebuild your house.

Q) What Are Contents Insurance?

A) Contents insurance can cover everything in your home such as household goods, valuables, sports equipment and your personal belongings (and those which are your responsibility) and those belonging to members of your family or any other person permanently residing with you.

Q) How Much Contents Insurance Do I Need?

A) You need to insure your contents for the total replacement cost in the event of theft or damage.

Q) What types of life insurance are available?

A) A mortgage protection insurance policy pays off your mortgage should you die during the term of your mortgage, and runs for the complete term of your mortgage.

Anyone who holds a mortgage is required by their mortgage provider to take out a mortgage protection policy.

Q) What is a Life Term Insurance Policy?

A) A term life policy only pays out if you die within a specified term. This could be 10, 20, or 30 years from the date the policy commences. It’s one of the simplest and cheapest forms of life insurance cover; you are covered by paying a premium on a regular basis. With the best term life insurance your premiums will fall as the policy ages.

Q) What is Serious Illness Insurance?

A) This is a type of insurance cover that pays out a tax-free lump sum in the event you are diagnosed with a serious illness that is specified on your policy. It is also known as ‘critical illness cover” and is often added to life insurance or mortgage protection policies. Although, it is also available as a separate stand-alone insurance policy.

Q) What is a Whole of Life Insurance Policy?

A) Whole of life insurance policies cover you right up until your death, whenever that may occur. They can be more expensive than other forms of life insurance, although they can earn you some interest each year, and your premiums could reduce over time.

Q) What is Income Protection Insurance?

A) Income protection cover can provide an ongoing income of up to 75% of your normal salary whenever you are unable to work due to any accident, illness or disability right up until retirement age. It’s available for employees, company owners and those who are self-employed.

Q) What is Covered by Health Insurance?

A) Health insurance cover can protect you in the event of accidents and illness, and in a wide variety of ways. The types of expenses covered by health insurance varies according to the policy and provider, and can include such expenses as hospital stays, consultants fees, surgery, as well as the payment of numerous types of outpatient and practitioner fees.

Q) What is Business Insurance?

A) Business insurance cover can protect your business from a variety of unwanted scenarios, and the type of cover you need depends on the type of business you own, and what you want covered. Some of the more popular types of business cover include professional indemnity insurance, public liability insurance, employers liability, directors & officers insurance, medical malpractice, accidental damage, to name but a few.

Q) What is Covered by Motor Insurance?

A) You must have motor insurance to drive on Irish roads. It covers the costs of the other driver’s property and injuries if you are found at fault for an accident. There are two main types of motor insurance. These are third party, fire and theft or comprehensive insurance.

Third party, fire and theft insurance covers you should your vehicle be damaged by theft, attempted theft, or if it’s stolen, or damaged by fire. Should you have an accident, it will only cover you for claims made by other people for personal injury or damage to their property. On the other hand, comprehensive insurance protects you for everything covered under third party, fire and theft as well as windscreen or accidental damage.