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  • Lets get real about insurance…

    We have all been exposed to our fair share of insurance adverts on television, radio, newspapers etc. Normally these ads include words like ‘comprehensive, benefits, extras, cover etc’. At the end of the advert there will be a statement along the lines of ‘XYZ insurance is regulated by The Central Bank of Ireland’ or similar. Obviously, companies are only going to pay for advertising if it promotes their products & services, but consumers should be aware of some hard facts when it comes to insurance. When you buy an insurance policy you are effectively signing up to a contract. You complete a proposal form, pay a premium and the insurance company agrees…

  • insurance company won’t pay claim due to mechanical failure

    At Martin Insurance Brokers we pride ourselves on giving our clients the best possible service, especially when a claim occurs. In many cases our expertise has resulted in insurance companies paying claims that were initially refused. One recent example was for a client who had their motor insurance claim refused due to mechanical failure. The short version is as follows: Part of the engine failed and this caused a fire which destroyed the rest of the engine. The insurance company refused the claim as ‘mechanical failure’ was excluded on the policy. Following negotiations with insurers, we agreed that the specific…

  • Pharmacy Insurance | Ireland

    Martin Insurance Brokers provide tailored pharmacy insurance packages via a number of specialist underwriters/insurers including Aviva & Zurich. Some of the cover benefits & features can include: – Professional Indemnity & Products Liability. – Employers Liability. – Public Liability. – Money & Glass Cover. – Wrongful arrest. – Legal expenses including fitness to practice. – Seasonal increase in stock. – Deterioration of refrigerated stock. – Replacement of locks. – Fire brigade charges. – Trace & access. – Goods in transit. – Household goods. – Business Interruption. If you would like to talk to us about a quotation, please complete our online…

  • Winter driving – whats the worst that can happen?

      http://www.youtube.com/watch?v=ptpaEntid74 – This youtube video demonstrates some of the risks associated with winter driving. One of the best tips for driving in severe winter conditions is…to avoid it! But we all know that’s easier said than done. Snow and ice need to be taken s­eriously. This winter, make sure your car is prepared for the elements. Learning what it takes to drive safely in winter conditions and going the extra mile by getting your vehicle ready for winter could save your life. How to prepare your vehicle before you set off… Take your car to a mechanic to check the…

  • Construction Bond (Ireland) – How to get one and what will it cost?

    Also referred to as Performance Bond, Builders Bond, Contract Bond & Surety Bond. I need a bond for an upcoming contract, where can I get one? Martin Insurance Brokers (as part of Martin Insurance Ltd – est 1980) work with a panel of underwriters who provide these bonds. Will my company be able to get a bond? That depends on a number of factors including: The financial results of the company over the past number of years. (is it making profits or losses) How much retained profit (or losses) are built up in the company since it was established. Other security available? How large…

  • Cheap business insurance without cutting corners – How & where to get it

    This blog is relevant for SMEs looking to save money on the following types of business insurance cover: – property insurance including (buildings, contents, stock, business interruption, money etc) – public / products liability. – employers liability. How to get cheap business insurance. Essentially it comes down to 2 things: 1. Get quotes from as many insurers as possible. 2. Get the message across to the underwriter that your business is not likely to have any claims. Get quotes from as many insurers as possible: It may surprise you to know that the average Irish business owner will never have…