Friday 28 November 2014

Make me richer with Sarah Stack: Winter sports deals

Sarah Stack

Published 16/02/2014 | 02:30

GONE GIRL: Jenny Jones, who took bronze in the Women's Snowboard Slopestyle in Sochi, last week. Photo: Mike Ehrmann
GONE GIRL: Jenny Jones, who took bronze in the Women's Snowboard Slopestyle in Sochi, last week. Photo: Mike Ehrmann

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

Saving: €46.32

Visit www.chill.ie 1890302020

SAVINGS

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.

Visit www.statesavings.ie

MONEY TRANSFERS

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.

Best: TransferMate

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)

Saving: €91

www.transfermate.com

CAR INSURANCE

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

Saving: €2,300

www.zurichinsurance.ie or www.chill.ie

LANDLORD INSURANCE

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

Saving: €179

www.getcover.ie

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