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Home Insurance Summary

Protection for your house and its contents

At QUINN-direct we offer a range of insurance cover for your home and its contents. You can choose between the level of home insurance cover. See below for an explanation of our home insurance cover.

Buildings Insurance Cover

Buildings are defined as the Private Dwelling including domestic outbuildings, garages, greenhouses, swimming pools, tennis courts, hot tubs, septic tanks, fuel tanks, terraces, patios, decks, driveways, footpaths, walls, fences, gates, hedges and fixtures and fittings. The home insurance policy provides cover for loss or damage to the Buildings caused by any of the following insured risks (subject to the terms conditions and exclusions of the policy):

As part of our buildings insurance cover we offer:

• Fire, lightning, earthquake and explosion
• Aircraft
• Theft or attempted theft
• Leakage of oil from any fixed heating installation
• Bursting, leaking or overflowing of water tanks, apparatus or pipes
• Storm and flood
• Falling trees
• Impact with the Buildings by vehicle, train or animal
• Riot, civil commotion, labour and political disturbances, vandalism and acts of malicious persons
• Subsidence or heave of the site on which the Buildings stand or landslip

Contents Insurance Cover

Contents are defined as household goods, valuables, sports equipment and personal effects belonging to you (or which are your responsibility) or belonging to members of your family or any other person (excluding tenants) permanently residing with you. The policy provides cover for loss or damage to the Contents caused by any of the above insured risks.

Accidental Insurance Cover

Accidental Damage is an optional extension to the Buildings and Contents cover which covers accidental loss or damage to Buildings and Contents subject to the terms, conditions and exclusions of the policy.

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FAQs

• Can I pay by instalments?
  Yes, QUINN-direct offer flexible payment options including monthly direct debit payment
  Do I need a full licence?
  No. At QUINN-direct we provide cover for provisional licence holders as well as full licence holder
  What type of cover is available?
  We provide third party fire & theft cover and comprehensive cover for motor insurance
  What is a policy excess?
  The first amount of any claim you must pay. We pay the balance
  Can I buy online without a credit card?
  Yes, you can choose to pay via a debit card, cash or cheque.