Saturday 3 December 2016

In brief: Apartment cover

Published 11/09/2011 | 05:00

If we blasted Bertie out of a cannon into space... it would (a) be a lot of fun, and (b) give him quite a good view from above of the country he led to ruin.

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We should all have a picture of the former Taoiseach on our fridge door to remind us of the problems caused by unfettered excess. But while the value of your apartment in Blanchardstown continues to tumble, at least there's a few quid to be saved by getting cheaper insurance. Contents cover for a €150,000 apartment in Blanchardstown, with €40,000 contents cover for a 30-year-old couple. No claims for five years. Usual locks and alarms. Excess €500. Plus a €2,000 bicycle.

Best: Chill.ie €180.80 per year

Avoid: Allianz €343.20

Saving: €158.92 a year

contact: www.chill.ie or 1890 221 123

Reef it out quick deposits

Janey Mac. Where can you put your money nowadays? The Swiss Franc has gone splat and German bonds are paying sweet FA. Money on deposit is covered by all sorts of guarantees but it's still nice to be able to get hold of it at the drop of a hat. AIB's telephone only direct account is the top paying demand account. But you lose the bonus if you withdraw more than once. On a €5,000 lump sum over a year. Quotes from Irishdeposits.ie

Best: AIB direct 3.35 per cent

Avoid: Investec 0.25 per cent.

Saving: €171.25

contact: AIB at 1850 44 22 22

Family health bills

Cover for a family of four with semi-private room in a decent hospital and no day-to-day cover. Quotes from www.insure4less.ie.

Best: Aviva Level 2 €2,136.80

Avoid: VHI Health plus extra €3,494.34

Saving: €1,357.54

contact: www.avivahealth.ie or 1890 717 717

Office insurance

Up yours, bank guys! Small business is being garroted thanks to your efforts. That's not a credit service you've got, it's organ removal. The last thing entrepreneurs need on top of this is racy insurance rates for their offices. The price difference between the cheapest and heaviest rates is quite scary. Cover for an ... er... architects office in Dublin 4. Buildings cover of €850,000, contents cover of €200,000. Quotes from Chromeinsurance.ie

Best: Zurich €1,312.00 per year

Avoid: Aviva €2,225.00

Saving: €913.00

contact: www.zurich.ie or 1890 200 105

Doggie health bills

The new Webb dog -- Sparky -- is neither pedigree nor worth spending much money on... unless the yapping bit can be removed. But more progressive owners might consider insurance cover if they worry about sniffles and other doggie ailments. Cover for a one-year-old pedigree woof.

Best: Petinsurance.ie €99

Avoid: Allianz €217.59

Saving: €118.59

contact: www.petinsurance.ie or 0818 286 454

Learner driver insurance

Few things in life are worse than teaching someone how to drive. The dentist, Mass that goes over the hour and perhaps the endless drizzle. Some insurance companies really, really don't want to cover learners, so tread carefully out there. Insurance for a spotty 17-year-old male with stupid Justin Bieber hair from Kilkenny City with new provisional licence, driving his long- suffering 47-year-old mum's car -- a €7,500 valued 2007 Opel Corsa 1.2L Club. No claims or points for her. Excess €300.

Best: Axa €672

Avoid: Travelers €3,508

Saving: €2,836 a year

contact: www.axa.ie or 1890-28 27 24

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