For many years, major UK insurance brands have kept direct customers in Northern Ireland at an arms length and offered little coverage with often-inflated premiums. There remain a higher percentage of customers who use an insurance broker to source their insurance rather going direct as compared to mainland UK.
In recent years more insurance start-ups have taken on the challenge of providing good home insurance coverage at reasonable prices, these include companies that offer premiums and coverage direct and those who specialise in offer a dedicated Northern Ireland price comparison website.
Whilst it maybe easy to jump to the conclusion that the previous troubles scared ‘big-name’ insurers away, there are other risks types that often make an insurer think twice. The high number waterways, rivers and lochs in Northern Ireland results in a high percentage of the population being within flood zone areas. As with mainland UK, this does pose big coverage problems for insurance underwriters.
Along side this, there are a high number of unusual construction or prefabricated buildings situated in Northern Ireland that standard insurance companies will often overlook as a risk they want to take on. This applies equally in mainland UK.
This is where specialist home insurance companies step in to help customers. Not only can they often quote in Northern Ireland with similar premiums and coverage as mainland UK, but also they can cover properties and personal circumstances that don’t necessarily fit ‘vanilla risk’ types.
At CoverBuilder we work with a panel of insurance companies who specialise in covering house and flats in Northern Ireland. If you want to protect your building, contents and valuables then we will have a flexible policy for you. We also have a number of optional covers you can add on to your policy from just a few pounds per month. Whether this is protecting your boiler with our home emergency cover or protecting your possessions away from the home too.
Our fully online home insurance quote will take you through all the questions you need to answer and allow you to build your insurance package. Simply choose your method of payment and then manage your policy online from any smartphone. Get a quote in minutes for NI home insurance.
4 Weeks Ago, Friday, October 27, 2017, 10:39:26