Thursday 22 March 2018

Mortgage protection

And you thought that Ghost Rider was just a really lame film. The word on the street is that some of the nastier banks have a special department that will chase you to the afterlife if you happen to croak without paying your mortgage off.

We kid you not (much). Mortgage protection is a must-have for any mortgage but some of the annual bills are hairy enough. Online brokers are doing some pretty nifty cash-back offers, so go there first. Cover of €300,000 in joint names for a non-smoking couple, both aged 35 next birthday

Best: Zurich Life -- €34.13 pm

Avoid: Canada Life -- €47.82 pm

Saving: €164.28 per annum

contact: Tel: 1890 443 443

Mobile broadband

Stick your dongle in and let the good times begin. If you're looking for enough broadband to Facebook, Twitter and that sort of thing rather than launch a bid for world domination, mega, mega speeds aren't necessary. We've gone for the cheapest entry level broadband on a stick from the major providers. Average monthly cost from

Best: Meteor to go -- €10.41 per month

Avoid: eMobile prepay -- €24.07

Saving: €163.92 per year

contact: or local stores

Ferries to France

Gosh, is it that time of the year again? Summer holidays are only... er, about five months away. Taking the car and family to France for three weeks is way cheaper on Celtic Link. For a car, two adults and two kids with an inside berth leaving on June 23/24 on the Cherbourg route, returning three weeks later.

Best: Celtic Link Ferries -- €953

Avoid: Irish Ferries -- €1,156

Saving: €203

contact: or 053 9162688

Home insurance

The chance of your house being flattened by a meteorite is 182,138,880,000/1. You'd be mad not to consider home insurance with risks like that. Although the small print probably means that you're not covered. For less obvious risks, we've looked at insurance for a €700,000 home in Roundwood, Co Wicklow, with €250,000 rebuild and 20 per cent contents cover. No claims. All the usual locks and alarms. Excess €300. For a pair of 50-year-olds. No accidental damage cover.

Best: Chrome Insurance -- €318.00

Avoid: Axa -- €556.00

Saving: €238.00 a year

contact: or 1890 247 663

Land Rover insurance

Terribly useful for blocking narrow roads during the school run, the Land Rover is clearly an essential part of suburban life. Comprehensive car insurance for a €20k-valued 2007 Land Rover Freelander for a 45-year-old woman driver from Killiney, Co Dublin. No points or claims. Excess €300. Parked off road.

Best: Quinn Direct -- €399.17

Avoid: XS Direct -- €738.00

Saving: €338.83 a year

contact: or 1890 891 890

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