If watching the Winter Olympics makes you want to hit the snow-capped slopes before the end of this season, it's definitely time for a last-minute deal – but no matter how skilled you think you are on skis, it's one break you can't afford not to be covered on in case. . . well, in case.
For those brave enough to take the kids along, multi-trip insurance for a family of four with one winter sports holiday varies from budget cover at €83 to €131 for premier plus, both with AIG. For the couples out there a one-off single policy is:
Best: €41.44 budget plan with AIG
Avoid: €84.76 premier plus with AIG
Visit www.chill.ie 1890302020
You might not be able to afford that holiday this year, so maybe it's time to start putting some cash to one side each month and plan ahead. Saving even €50 will give you €600 towards your week away or that rainy day – but with new government levies the interest will barely buy a glass of wine. Doubling your savings each month may get you further away for longer, but is it worth setting up a special savings account just for the interest?
Best: Ireland State Savings: €11.38 (DIRT free)
Avoid: Bank of Ireland €13 (before DIRT) €5.33 (after DIRT).
Saving: €6 a year.
Maybe you're in the sharing mood and set to transfer your euros to another instead of squirrelling them away.
By the time rates, conversions and fees are added up the cost of same day money transfers can often leave a hole in your pocket.
At least: €6116 - €6131 to pay £5000.
(£5K = €6190.42 + €15 (free for regular clients). Rate is .81745)
Avoid: Permanent TSB
At least: €6222 to pay £5000.
(£5K = €6190.42 + €31.50 Interpay transfer fee €31.50 (plus, in some cases, a receiver fee). Rate is .8077)
Young men are always an insurance company's delight when it comes to covering their wheels on the road. For a 26-year-old office worker living in Dublin 18 it's no different. He may have a full clean driving licence, but comprehensive cover for his Ford Focus lx 16v 1596cc is going to cost him.
Best: Zurich €544.54
Avoid: Asgard €2,851.40
www.zurichinsurance.ie or www.chill.ie
Your second home could well be regarded as your pension pot for the future, if the market is booming again by then. But until then a steady stream of tenants will be filling those rooms, and the bank account. Insuring that rental property, a detached home in Navan, Co Meath, for the building (€150,000) and contents (€15,000) can set you back a sum.
Best: Getcover €280
Avoid: 123.ie €459