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Insurance
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.
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.
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