Business Irish

Saturday 10 December 2016

Comprehensive car insurance

Published 24/07/2011 | 05:00

Nothing better for the bank balance than coming home from holidays to be faced by a car insurance renewal quote. Ouch. But haggle and look for other quotes to save a fortune. Cover for a 2005 Renault Grand Scenic for a 41-year-old woman driver in Templeogue, Dublin 6w, with a 40-year-old male named driver. No claims or points. Parked on road with a big fat alarm that goes off quite a lot.

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Best: www.insure4less.ie €318.89

Avoid: Axa €500.96

Saving: €182.07

Contact: www.insure4less.ie or 1850 840 840

iPhone cover

Yep, you've just found out one of the big flaws with an iPhone. The screen will break if you even look sideways at it. Your iPod, iPad or other touchscreen bit of kit is also about as tough as a Chelsea centre back. Covering these gadgets is wildly expensive -- though you can get not one but five gizmos covered at gadgetinsurance.ie

Best: Gadgetinsurance.ie €79

Avoid: Carphonewarehouse.ie Lifeline insurance from €165

Saving: €86 per year

contact www.gadgetinsurance.ie or 0818 286 456

Home insurance

You'll be able to bring down your home insurance bill if you increase the cost of the excess. This means that you pay the first couple of hundred on any claim. Given that it doesn't make sense to make small claims (do and the insurance company will have you by the unmentionables next year), a bigger excess is definitely worth considering. Cover for a detached house in Wexford town worth €250,000. Fully alarmed. Buildings cover of €125,000, with 20 per cent contents cover for a 35-year-old couple. We've gone for an excess of €500 compared with a normal one of about €250.

Best: Chrome Insurance €204.00

Avoid: AXA €305.00

Saving: €101.00 a year

Contact www.chromeinsurance.ie or 1890 247 663

Shop insurance

As if life wasn't tough enough for entrepreneurs and other small business owners, insurance cover for premises is a nasty whack out of any year's earnings. Commercial insurance for a dry cleaning business in Tralee with buildings cover of €200,000, fixtures and fittings €25,000 and stock in trade of €5,000

Best: Zurich €1,153.84 per year

Avoid: Aviva €1,331.83

Saving: €177.99 a year

Contact www.zurichinsurance.ie.ie or 1890 200 105

Broadband dongles

None of your fancy stuff here. Just bog standard plug and play broadband. We've compared the entry level broadband for the major mobile broadband providers.

Best: Meteor Broadband to go €10.41 per month

Avoid: O2/Vodafone €19.99

Saving: €114.96 per year

contact www.meteor.ie or local store

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