News & Articles

Contents Insurance Explained

Have you ever thought about how to keep your belongings safe and sound? Home contents insurance has your back, ensuring your stuff stays protected from fire, theft, and accidents. Because, let’s face it, replacing your favourite things can get pricey in a pinch. Here’s the scoop on home contents insurance: What it covers This insurance […]

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Smart Ways to Save on Car Insurance in Ireland in 2024

Car insurance is a must in Ireland. With the rising cost of living, it’s wise to find ways to save money wherever possible. Here are some tips to help you get the best value car insurance: Compare Cover Understand the different types of car insurance and compare what each offers. Look at what’s included and […]

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Tips to Pass your Driving Test in Ireland 2024

You’ve tackled your theory test, aced your driving lessons, delved into the Rules of the Road, and practised until you feel confident. However, it’s natural to feel a bit nervous. But fear not because we’re here to lend a helping hand in your preparations for the big day. While we can’t promise to erase all […]

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Principle of Proximate Cause

The Principle of Proximate Cause is one of the fundamental Principles of Insurance. It determines whether a loss is covered under an insurance policy. According to this principle, when an insured event occurs, the insurance company will assess the cause of the loss and determine whether it falls within the scope of coverage provided by […]

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Involved in a car accident, what you should do.

Let’s face it, car accidents can be pretty scary. In the heat of the moment, it’s easy to feel overwhelmed and confused. But hey, don’t worry. Even though we hope it never happens, being prepared can make all the difference. That’s why we’ve put together a handy checklist of tips to guide you through if […]

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Am I insured to drive someone else’s car in Ireland

Yes, it’s legal to drive someone else’s car in Ireland, but with some conditions: Permission: Ensure you have explicit permission to drive the car; otherwise, it could be considered theft. Insurance: You should have your own car insurance. Third Party, Fire & Theft and Comprehensive policies generally allow you to drive another person’s car, but check […]

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Principle of Subrogation

Subrogation is one of the main principles of insurance. Subrogation refers to the right of an insurance company to pursue a third party that caused a loss to the insured. For example, when an insurer pays a claim to a policyholder if a third party’s negligence caused the loss, the insurer may seek reimbursement from […]

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Principle of Contribution

The Contribution Principle in insurance refers to the concept that if a customer has multiple insurance policies covering the same risk, each insurer should contribute proportionally to the claim. The Principle of Contribution ensures that no single insurer bears the entire financial burden of the loss. It promotes a fair distribution of liability among the […]

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Perils vs Hazards

A Peril and a Hazard in home insurance are two distinct concepts. A Peril refers to a specific event that can result in a loss, such as theft, fire or flood. On the other hand, a hazard is a condition that increases the likelihood of a Peril occurring, making the loss more probable. Peril example: […]

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Physical and Moral Hazards in insurance

An insurance hazard refers to a condition or situation that increases the likelihood of a loss, which could lead to a potential claim on a car or home insurance policy. Insurance companies assess and manage these hazards to determine the risk associated with providing coverage to an individual, property, or business. There are several types […]

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