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Dublin: 11 °C Saturday 6 June, 2020

Home insurers won't cover laptops, mobiles and hearing aids

Burgled householders might find themselves left in the lurch if they don’t check small print on cover of personal belongings.

Image: Bit Boy via Flickr

A COST COMPARISON survey carried out by the National Consumer Agency has found that a surprising number of personal items are not covered by insurers if your house is burgled.

Laptops, mobile phones – and even hearing aids – are not insured for replacement under many home insurance policies, the NCA found. In some cases, the optional extra of an “all-risks” cover on your home insurance policy can cover personal belongings, a category which also includes jewellery.

The NCA also found there was a “notable price difference” between insurance providers with premiums offered for the same household by eight different companies ranging from €257 to €699.

Ann Fitzgerald, head of the NCA, said:

If you are finding it difficult to get quotes for any reason, it’s worth approaching a specialist broker that deals with a number of insurers. They can offer you help and advice. When you are choosing a home insurance policy, remember the cheapest quote may not always be the bet, so you should look for the policy that offers the benefits and cover you need.

The full home insurance price comparison is here>

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