Ski travel insurance Phone, TV and broadband combo Family health cover Flat insurance Car insurance Gas charges
Annual worldwide travel insurance including cover for a family heading off on the piste costs a proverbial arm or leg at VHI. The cheapest deal is from Multitrip, which also has a €3.50 handling fee, which you'll come across halfway through buying the policy online.
Best: multitrip.com €49.99
Avoid: VHI €160
contact multitrip.com or call 0818-444 444
Phone, TV and broadband combo
Splat! That's the sound of Sky and Eircom crashing down. Chorus Ntl has kicked off a brutal price war and is absolutely crucifying Sky and Eircom on price. For a home phone, 5mb of broadband, calls and decent telly including Sky Sports and the somewhat rubbish ESPN.
Best: UPC Fibre Sports €960 per year
Avoid: Sky Mix 4 plus sports/Eircom Talktime chatter with 3mb broadband. €1,485
contact upc.ie or call 1890-940 624
Family health cover
Fairly basic health cover for a family of four. Watch out for a particularly nasty and sneaky trick from Quinn. It lobs on an extra 3 per cent charge if you pay monthly. Cheap in more ways than one. Quotes from freetocompare.ie
Best: Quinn Essential starter €1,100 per year.
Avoid: Worst: VHI Plan A €1,520
contact quinnhealth.ie or call 1890-221 123
Annual management charges mean that you're generally covered if your apartment block is damaged. But you'll still need contents cover. Cover for €60,000-worth of gear in a €350,000 flat in Grand Canal Square, Dublin 2. No claims for yonks, usual alarms and excess of €200.
Best: Simply Mortgages €127
Avoid: Benchmark €302
contact simplymortgages.ie or else call 1890-746 472
The big insurance companies are big for a reason. They absolutely fleece you with the cost of car insurance. We can't think of a time that Axa came in with the best car quote. Steer well clear if you want to save money. Fully comprehensive cover for a 2009 Toyota Avensis for a 30-year-old woman driver from Killarney, Co Kerry. Apart from two points, there's a spotless record. Parked off road, alarmed and with a nodding dog in the back window. Quotes from Chrome insurance.ie
Best: 123.ie €401.53
Avoid: AXA (broker) €839
Saving: €437.47 a year
contact 123.ie or call 1890-221 123
Bord Gais may the cheapest for electricity, but it's getting badly undercut in its core business of gas. Flogas is now miles cheaper. Cost for an average user of 20,000 thingummy gas units per year. Switch now.
Best: Flogas €880.30
Avoid: Bord Gais €960.66
contact flogasnaturalgas.ie or call 1850-928 100