Property Insurance Northern Ireland

Property Insurance Northern Ireland

Property Insurance Specialists in Northern Ireland

Property Insurance Centre have been trading as an independent broker in Northern Ireland since 1976 and due to the long established relationships and access to the major insurance underwriters in the UK we are able to give the best rates and cover in Northern Ireland. We insure Commercial Property, Residential Landlords, Businesses & Private Home.

We don’t offer false discounts online with our policies and are not on search comparison websites.  The reason for this is in order to pass on the best rates and cover available on our Home Insurance for our Northern Ireland customers.  We also offer genuine discounts on our home insurance policies for those with a no claims discount, have a working house alarm and other factors such as being in a neighbourhood watch scheme. Our Home Insurance Northern Ireland Scheme will not be beaten on price!

We have great relationships with UK underwriters such as AXA, Ageas, Allianz, RSA, Aviva & Lloyds we ensure that you get the best cover and rates on Home Insurance Northern Ireland.  Due to our access to Lloyds we are pleased to offer great rates on non standard and high risk properties in NI.

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Insurance under one roof

We are specialists in many types of insurance

With our head office at 4 Donaghadee Road, Newtownards, Co. Down, BT23 7ET – give our home insurance new business team a call today on 028 9182 8899 to get a quote or immediate cover if required.

If you are a residential landlord or commercial property owner we are one of the few specialist insurance brokers in NI and the best rates around.

We can provide home insurance cover for the following:

  • Buildings cover up to £1 million
  • Alternative accommodation
  • Trace & Access
  • Liability cover up to £2 million
  • Replacement of locks & keys
  • Contents cover up to £75,000
  • Accidental damage
  • Money & credit card cover
  • Legal expenses

Our Policies have a 14-day Cooling-Off period giving you peace of mind if you decide you don’t want the policy after purchasing it, and you receive a refund as per our Terms of Business. Ask us about lodgers or even working from home – we can find the policy that will give you the right cover at the right price. Call Property Insurance Centre for all your Home Insurance Needs.

How can I protect glass, sanitary and other fittings?2020-05-28T12:00:41+00:00

Glass and sanitary items that are considered to be permanent fixtures are mostly protected under a standard policy. Some examples include the glass of a ceramic hob, oven doors, fixed glass of doors and windows. Please note that the concept that they are permanent fixtures is central.

Also, if a window is damaged the cost of repairing the frame is not included under this part of the coverage. You should read the wording and ask your insurance provider about this, especially as broken windows are not uncommon.

If a property is not occupied then this type of damage is normally excluded from a standard policy.

Why would I need cover for underground pipes and drains?2020-05-28T11:48:38+00:00

You may need this cover in the event of finding issues with the underground pipes, drains and tanks of your property. Your standard policy should include cover for issues relating to your drains, tanks and underground pipes. Please be aware that this does not include when you have blocked drains. There is an exception to this which is when the blockage is the result of some structural damage.

What you can expect is that costs to repair the tanks, pipes and drains of your home should be covered. As always, it is best to double-check the wording on the policy.

What is included in professional fees & costs cover?2020-05-28T11:14:06+00:00

Legal fees, surveyor fees and architect fees are included in this type of insurance. In the event, your property is damaged and as long as the damage is covered elsewhere in the policy, this type of insurance is ideal should you need major correctional works. This could be a sizeable amount if your building requires substantial work to correct.

What does Theft Insurance cover?2020-05-28T11:08:39+00:00

This type of insurance normally covers policyholders for any damages to their property resulting from theft or attempted theft. Consider fixtures and fittings, copper pipes and lead flashing, for example, that in the UK fetch high prices so can be stolen frequently.

There are some notable exclusions to theft insurance including theft or attempted theft by anyone legally on your premises, such as a gardener, nanny or cleaner. Theft whilst the property is unoccupied is a strict exclusion on a standard policy. Check your policy documents carefully.

Why do I need escape of oil insurance?2020-05-28T11:02:49+00:00

If you have an oil-fired heating system this type of cover is perfect as it includes leaks from pipework.

If you have an oil tank on site, it is prudent to check this regularly for any cracks or wear and tear to prevent any oil leaks directly from the tank itself. Oil can have an environmental impact if your property is located in a protected area, so it might be wise to look at Environmental Liability Policies too.

What is escape of water insurance?2020-05-28T10:53:13+00:00

Escape of water insurance usually includes damage caused by water leaking from a tank, pipe or boiler. During the winter months, common occurrences include freezing pipes resulting in leaks which will be covered under this type of insurance. It also includes water leaking from home appliances or even fish tanks for example.

There are some standard exclusions, however, so look at your policy wording. These include the likes of the escape of water whilst the property is empty, or perhaps the failure of sealants or lack of grouting due to wear & tear. Two great reasons to keep your property well-maintained.

What is subsidence insurance and what is included?2020-05-21T13:47:12+00:00

So what is included in Subsidence Insurance and do you need it? This type of insurance commonly encompasses subsidence, ground heave and landslip. How do you differentiate between these?

  • Simply when land/ground moves under a building this constitutes subsidence.
  • When land moves sideways or upwards then this is a case of ground heave.
  • If a property is located on top of a hill and the ground below it moves, then this is considered to be landslip.
  • Be careful to check with your provider as there are a number of exclusions to this type of insurance, including if a building has been constructed by materials that have the potential to either expand or shrink.
  • The settlement will also not be a standard inclusion. Another important fact to consider under this type of insurance is that it does not cover erosion caused by a river or the sea.
  • Check your policy wording closely to ensure your individual circumstances are covered.
What does my flood insurance cover?2020-05-21T13:35:12+00:00

If water enters your building from the ground floor or basement levels, flood insurance is applicable. Always check the wording in your policy as often water entering at a higher level does not constitute a flood.

Gates and fences, swimming pools and hot tubs are all standard exclusions under this peril on an insurance policy, so you should make sure they are covered separately.

What is covered in storm insurance?2020-05-21T13:31:56+00:00

Storm insurance is not widely used in the UK but in certain areas where storms are more prevalent, damage to property can be severe.

Storms here in the UK are defined by the below so this is when your storm insurance would come into play:

  • Strong winds of over 55mph
  • Damage by extreme rain or snow. If more than an inch falls within a single hour rainfall is normally considered to be extreme.
  • With regard to snow – it is considered to be extreme if 12 inches or more fall with a 24 hour period.
  • Swimming pools and hot tubs, gates and fences are normally excluded in your storm insurance coverage.
  • If there is evidence of poor maintenance and signs of wear & tear internally, damage may not be covered.
How does vandalism insurance work?2020-05-10T16:27:46+00:00

Vandalism insurance is frequently claimed in the UK when vandals damaged properties. However, if the vandalism has been carried out by someone in the family or a person you allowed in your home, then the insurance company will not pay out.

This includes tradesmen, cleaners, tenants etc. Also if the property is not occupied then this type of insurance is excluded.

What does riot insurance cover?2020-05-10T16:18:50+00:00

If damage is caused to your home due to rioting or civil commotion then you can claim on your riot insurance cover. You should do so quickly – the wording on most policies gives you a maximum of 7 days.

What is earthquake insurance?2020-05-10T16:09:11+00:00

Earthquake insurance is not commonly thought about here in the UK, so it might be easy to disregard it. However, Co. Durham had an earthquake on 23rd January 2020 of a magnitude of 3.0. Residents described buildings shaking and hearing the rumbling.

As the climate continues to change earthquake insurance could become far more important here in the UK and Northern Ireland.

What does fire insurance cover?2020-05-10T15:46:41+00:00

Fire insurance covers damage to your home caused by smoke, fire, lightning or explosions.

What type of standard home insurance cover can I expect from Property Insurance Centre?2020-05-10T15:43:08+00:00

Too many people ask what they are covered for when they need to make a claim. We work with you to ensure that you understand what cover you have at the outset. This way not only do you understand but we can advise you on aspects of cover specific to your circumstances.

As you can imagine, there are various levels of home insurance cover on the market. We like to say to customers – start off by thinking perils! Perils are events such as a fire, flood or fire. On most policies, these can be viewed in Section A.

When you read this wording it may become clear to you that the policy doesn’t cover maintenance issues, including dry rot, wear and tear, and damp. Some people assume that their home insurance policy will cover these types of issues. However, this is not the case and it is up to you to maintain your home to avoid these unfortunate situations.

Top tip: It is a good idea to find a local handyman that you can trust. He will be able to keep on top of maintenance issues such as clearing gutters, unblocking drains and lots more odd jobs.

During winter is when the majority of damage occurs. The weather here in the UK and Northern Ireland can be tough on properties – wind, rain and snow – can lead to various issues. A reliable handyman will be able to keep on top of things that you don’t have time to do. The money spent on him is a good investment.

What type of cover should I insist on for my home insurance in Northern Ireland and the UK?2020-05-10T15:38:58+00:00

The most important aspect of understanding what type of cover you need for your home is that it must include the potential cost of replacing everything. The property itself, all fixtures and fittings and its contents.

Be sure not to skimp on doing this 100% correctly. Also, don’t forget that high-value items (often classified as high value when over £1,000 – but do always check this out) need to be specifically listed. Keep the receipts also.

Is home insurance a legal requirement in the UK and Northern Ireland?2020-05-10T15:35:13+00:00

No, it is not a legal requirement to have home insurance in Northern Ireland or the UK. However, most homeowners need to borrow anywhere from 75% to 95% of the value of their property to be able to buy it. The mortgage lenders do require that the borrowers have house insurance in place for the duration of the loan.

In reality, even if you do own your home outright, it makes common sense to protect your biggest asset. In 2019, the House Price Index in Northern Ireland revealed that the standard property price was £136,767. In 2020, this figure had increased by 3.4% to £144,053.

 

Block of Flats

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Home Insurance

Holiday-Home-Insurance

Residential Landlord

Land Liability

Commercial Property

Why choose the Property Insurance Centre

Independent advice by approachable staff online or by phone

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Why choose the Property Insurance Centre

Independent broker with staff you can speak to by phone or online

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Why choose the Property Insurance Centre

Independent broker with staff you can speak to by phone or online

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Specialists in Commercial & Residential Insurance

We have over 40 years experience as Residential and Commercial Insurance Brokers. We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership. We work closely with our Insurers to get the best rates and our experience and excellent relationships with them mean that we can provide cover for even the most difficult to place risks.

Whether you have an adverse claims history, a high value property or a large portfolio of properties, we can source suitable cover for you. Whatever your requirements, we can tailor a specialist property insurance policy to suit your exact needs and provide you with a range of quotes to choose from. Established in 1976, we are not a call centre but a specialist insurance broker with a traditional office mentality, where the client comes first.

Looking for a quote now? Give us a call on 0800 085 3761 or complete one of our quote request forms.

We are also authorised and regulated by the Financial Conduct Authority and you can view our registration here.

Get In Touch:

We accept most payment types including:

UK Call Handlers & Dedicated New Business Team

Call Us on 0800 085 3761

2020-05-28T14:02:29+00:00

About the Author:

Robert Fisher is a company director of the Property Insurance Centre, who specialise in Business and Property Insurance, serving clients throughout the United Kingdom. His expertise and career in insurance spans almost twenty years. Robert’s background is in Building Surveying, which he studied at Heriot-Watt University, where he was awarded a BSc (Hons) degree. Much of his educational background is in Building Structural Safety from an engineering perspective. The knowledge that Robert gained at undergraduate level has lent itself well, particularly as it has enabled him to evaluate the risks associated with certain buildings. This means he knows how best to place these risks and ultimately insure the properties against such risks. His in-depth knowledge of various methods of construction have enabled him to easily identify which insurer's underwriting criteria would best fit each client's needs and provide the correct levels of cover. Additionally, Robert is responsible for training the team and ensuring that they are always kept up to date with the latest industry developments. This is an area that he is naturally drawn to because of his inquisitive mind, diligence and passion for passing on knowledge to others. He is a member of the Chartered Insurance Institute (CII) and Qualified to Level 3 with the CII. As part of the Level 3 certification, Robert has undertaken modules in Insurance, Legal & Regulatory (IF1), Insurance Claims Handling (IF4) and Insurance Household Products (IF6). As a condition of CII Membership, Robert continues his Professional Development by keeping abreast with the latest industry developments.