Monday 5 December 2016

In brief: Family travel cover

Published 01/05/2011 | 05:00

With budgets tighter than an otter's sphincter, this year's summer holiday may involve going down to the bottom of the garden. But if you can scrape a few euro together and get abroad, remember not to be fleeced by lunatic expensive travel insurance. Worldwide annual family cover.

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Best: www.multitrip.com €44.49

Avoid: Aer Lingus Travel Insurance €109

Saving: €64.51

contact www.multitrip.com or 0818 44 44 44

Gas and electricity

And you thought unravelling the bank bailout was complicated? Wading through the tariffs and offers from the key gas and electricity companies is not something you want to be doing on a sunny weekend. Fortunately www.bonkers.ie does it all for you. Easier than eating a banana with a fork. For someone spending €100 per month on gas and electricity. And paying by cheque will increase normal postal bills.

Gas

Best: Flogas new customer option B €1,042.02 per year

Avoid: Bord Gais standard €1,200 a year

Electricity

Best: ESB Supersaver with direct debit/online bill €1,049.44 a year

Avoid: ESB standard tariff €1,200 a year

Combined savings: €309.54 per year

contact www.bonkers.ie for your own comparisons

Over-50s life cover

Getting life cover once you've hit 50 is pretty damn tricky and it'll cost you if you don't shop around. Assurance for a non-smoking male aged 52 with €20,000 cover. Quotes from Chrome Insurance.

Best: Irish Life €59.80 a year

Avoid: An Post €69.00 per year

Saving: €9.20 a year

contact www.irishlife.ie or 01 7041010

Car hire insurance

Top of anyone's greatest rip-off list should be anything to do with renting a car on holiday. The excess or amount you have to cough up before insurance kicks in after a prang is truly ugly. But you can buy insurance to cover this excess. A kind of insurance against crappy insurance. Dumb or what? Annual worldwide policy.

Best: Car Hire Excess.com €59.99

Avoid: Insurance4CarHire.com €79.95

Saving: €19.96

contact www.carhireexcess.com or 0818 44 44 47

Mortgage protection with serious illness cover

Serious illness cover is often more expensive than taking out a super injunction after your, ahem... incident with the other blondie one from Big Brother. Mortgage protection with life cover AND serious illness benefit, for a couple both aged 30 next birthday, non-smokers, for €300,000 over a term of 30 years. Quotes from www.lifecover4less.ie

Best: Friends First €92.74 per month

Avoid: Canada Life €123.27 per month

Saving: €366.36.

contact www.friendsfirst.ie or your broker

Shop insurance

The place is festooned with flowers...must be something to do with that wedding. Getting insurance for a flower shop or other commercial property isn't cheap though. Cover for a Flower Shop in Dublin, stock in trade of 5k. Fully alarmed. No previous claims. Quotes from Chrome Insurance.

Best: Zurich Insurance €344.84

Avoid: Aviva €411.00

Saving: €66.16

contact www.zurich.ie or 1890-200 105

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