News

  • Retail shop insurance – now available from as little as €450.00

    The recent arrival of some new retail shop insurers to the Irish insurance market has driven down prices and helped to increase the standard of shop insurance cover. Premiums are now going as low as €450. The standard cover often includes: – Full All Risks cover on property (contents/stock etc). – Business Interruption (often with limits of up to €750,000 as standard) – Seasonal Increase in stock – Subsidence – Fire brigade charges – Employers liability – Public Liability – Products Liability – Money (during business hours, overnight and in transit) – In store ATM – Personal Accident – Signs…

  • You have car and home insurance. But are you insured?

    It seems that a many consumers will sign anything that is put in front of them. Now you can get away with this to a point, but what are the consequences when it comes to insurance? Over the past number of years, insurance proposal forms have transformed into preprinted documents based on the details which were given over the phone or via the internet. In some cases the consumer is asked to sign this document but in many cases this is a ‘statement of fact’ document, which does not require a signature from the consumer at all. So when the policy documents…

  • Our Tool & Plant Hire insurance policy is now available in Northern Ireland

    Martin Insurance Brokers offer a tailored insurance policy for Tool & Plant Hire companies located in both Republic of Ireland & Northern Ireland. The policy is a combined package underwritten by an ‘A Rated’ insurer. Cover The policy provides a full package of cover for Tool & Plant Hire companies and cover includes: Public / Products Liability Cover (can include servicing) 1. Indemnity limits of €6.5M or €5M and higher available if required. 2. Extends to cover your liability for plant and tools on hire. 3. Indemnity to County Councils, Local Authorities or other public bodies where required. Employers Liability…

  • What is “Using the Vehicle Abroad” cover on a car insurance Policy?

    Many car insurers include the ‘Using the vehicle abroad’ cover as standard. Not every insurance company includes this cover so it is important to ask before proceeding with a new car insurance policy. But what is ‘using the vehicle abroad’ cover on a Car Insurance Policy? This cover extension normally allows you to drive your car while abroad in any European Union country. Policy wordings may vary, but here are a few examples: Travelers car insurance policy: We provide the minimum cover necessary to comply with the laws of any state which is a member of the European Union whilst the…

  • Apartment owners could see up to €5000 deducted from future insurance claims

    Recently Martin Insurance has noticed that significant changes have been applied to apartment block Insurance by many of Ireland’s leading Insurance Companies. This change could leave individual apartment owners facing severe financial difficulties. What is the problem? Insurance companies have sustained considerable losses from burst pipes, flooding and water damage claims over the past 12 months and as a result they are increasing rates. A worrying development with apartment block insurance is that insurance companies are also moving to increase the policy excess considerably, in some cases the excess may increase to €5000 per claim. Many apartment block management companies…

  • What is ‘personal effects’ cover on a car insurance policy?

    Many car insurance products include Personal Belongings cover as standard. Not every policy includes this cover so it is important to ask before proceeding with a new car insurance policy. But what is personal belongings cover on a car insurance policy? This is an additional cover that allows for loss or damage to personal effects in the event of a fire, theft or accidental means. Policy wordings may vary, but here are a few examples: Prestige Car Insurance Policy: We will pay up to an amount of €130 for any one occurrence for any loss of or damage to rugs,…