I have to wonder how anybody is getting home insurance in Ireland when:
a. Many insurers won’t cover a house over 100 years old;
b. Many insurers won’t cover a house within 100m of a body of water;
c. Many insurers want to know the exact date the house was last re-wired, re-plumbed, re-roofed (this has to be a total farce, right? What do people do in the case of an older house with no documentation at all as to when anything was done? Are people making up dates to satisfy the insurance company? If so, isn’t it the case that any policy issued will be deemed invalid in the case of a claim?);
d. Many insurers won’t cover an unoccupied house (e.g., executor sale and you can’t occupy the house until you get your mortgage, etc., but you can’t get a mortgage without insurance).
I agree that is it getting more and more difficult to insure. I had terrible difficulties insuring a derelict house I bought in 2012, to such an extent that the sale almost fell through as a result. I finally got a broker to sort me out with empty dwellings insurance.
I am now living in the house which was built in the 1840s and is listed. FBD provided me with the best value insurance.
Aib gave me a great quote but I had to say the house was rewired, re plumbed and reroofed in the last 20 years. Bought 3 years ago & couldn’t say that so couldn’t take their insurance- if something happened, no doubt it’d be invalid.
Do you have some ethical objection to calling a broker? Your problem has been answered yet you keep pretending you’re being blocked from getting insured. Those people you talk to directly are like mcdonalds cashiers, you need a broker.
I had trouble so took out insurance with the mortgage bank when I bought. Then I renovated, upgraded the wiring, plumbing and all sorts. Called the bank to update the policy and the bank upped the premium by 700%! You can bet they lost the business. I found OBF Insurances good for non standard insurance. Kidd Insurances quoted also but still a bit steep.