Home insurance - Overview

Because protecting what's important matters.

40% No Claims Discount

Types of Cover offered

Value Home Insurance

This package offers standard cover, with a higher excess than Ulster Bank Premier Home Insurance, meaning we can give you a lower premium cost. The cover of this insurance includes:

  • Buildings cover - this offers protection from a wide range of risks. We cover not only buildings but also other permanent fixtures on the property, including outbuildings, fences and walls, plus fixtures and fittings, and interior decorations. The amount of cover you choose is based on the 'rebuilding' cost and not on the value of your home. The Society of Chartered Surveyors provide a guide to rebuilding costs which you can see on their website at www.scs.ie
  • Contents cover - contents include household goods and personal belongings (including personal money up to €650) in your home, which belong to you or any member of your household
  • New for old replacement cover on contents
  • 24-hour Property Claims Service to report a claim or for claims advice.
  • Discounts available - a range of premium discounts are available, details of which can be found by clicking on the 'Discounts available to you' section.
  • 24-hour Homecall helpline - a helpline for advice or rapid access to the name/contact details of registered tradesmen and repairers in your locality.
  • Fire Brigade charges - if the Fire Brigade are called out to extinguish a fire affecting or likely to affect your home, we will pay up to €2,000 per claim to cover the charges
  • Alternative accommodation - if your home is unfit to live in following a claim, we will pay for the cost of providing other accommodation for you and your family, until you can safely return to your home (up to 15% of the Buildings and Contents sums insured)
  • Christmas and weddings - we will increase the contents amount insured on your policy by 10% over Christmas (for the month of December) and for family weddings (for 30 days before and after the wedding of an immediate family member).

The standard excess for the Ulster Bank Value Home Insurance product is €750. This is the amount you must pay towards certain claims.

Click here to view Important Information about Ulster Bank Home Insurance


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Premier Home Insurance

This package offers you all the cover of Value Home Insurance, plus a number of additional special features, including:

  • Accidental damage cover - on radios, televisions, videos, hi-fi and computer equipment up to €2,000 per claim
  • Personal belongings cover - of up to €1,500 per claim (with an option to purchase extra amounts of cover)
  • Credit and debit cards - if your credit or debit cards are lost or stolen and you have to pay the bill as a result, we will pay up to €1,270 per claim
  • Replacing door locks - if the keys to your home are stolen in a personal assault or break-in, we will pay up to €650 per claim to cover the cost of replacing external locks, locks on domestic safes and alarm keys.

The standard excess for the Ulster Bank Premier Home Insurance product is €275. This is the amount you must pay towards certain claims.

For full details of the standard cover provided by our Premier Home Insurance, please call the Customer Support Team on 1890 700 800or speak to a member of staff at your local branch.

Click here to view Important Information about Ulster Bank Home Insurance


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Optional covers and optional extras

With Premier Home Insurance you could get even more cover for a little extra on top of your premium:

  • Optional accidental damage cover for Buildings and Contents
  • Optional cover for jewellery, personal belongings, bicycles and money
  • Optional cover to protect your caravan and its contents
  • Cover option available if a room in the house is used as an office
  • Optional extra 24/7 Emergency Repair Service to help in a home emergency - cover up to €250 per incident with €260 for glass breakage.

Please note: You are not obliged to purchase any of the above optional covers or optional extras in order to purchase either our core Ulster Bank Premier Home Insurance or Ulster Bank Value Home Insurance products.

For full details of the optional cover provided by our Premier Home Insurance, please call the Customer Support Team on 1890 700 800 or speak to a member of staff at your local branch.

Click here to view Important Information about Ulster Bank Home Insurance


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Discounts available to you

Under both our Value and Premier Home Insurance policies, a range of premium discounts are available:

Up to 40% No-Claims Discount Discount:
Year 1 Claims Free 15%
Year 2 Claims Free 18%
Year 3 Claims Free 25%
Year 4 Claims Free 35%
Year 5 onwards 40%
40% No-Claims Discount:
If you do not make any claims during the policy year, you will continue to receive up to 40% No-Claims Discount when you next renew provided your policy remains claims free.
First Time Buyers No-Claims Discount: Discount:
Discount for First Time Buyers or customers who have not previously held Home Insurance 25%
If you have an alarm: Discount:
Standard Alarm Discount 10%
Monitored Alarm Discount 15%
Loyalty Discount: Discount:
Minimum 3 years claims free and 1 year claims free with Ulster Bank Home Insurance 6%
Claims Policy Excess:
Discount for increased claims excess as follows:
  • Up to 40% discount for increased claims excess (€5,000) on Value Home Insurance (lesser discounts apply for lower excess amounts)
  • Up to 11% discount for increased claims excess (€1,000) on Premier Home Insurance (lesser discounts apply for lower excess amounts)
Buildings & Contents Voluntary Increased Excesses available on Value Home Insurance Discount available
€1,000
€2,000
€5,000
13.5%
23.5%
40%
Buildings & Contents Voluntary Increased Excesses available on Premier Home Insurance Discount available
€500
€750
€1,000
3.5%
7.5%
11%

All discounts applied are subject to a minimum premium of €200 for Buildings & Contents cover. These include 5% government levy and contribution to the insurance compensation fund

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List of branches

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Call 1890 700 800

Lines are open:
Monday to Friday
9am to 6pm

Calls are answered by Aviva on behalf of Ulster Bank. Calls may be recorded and calls from mobiles may not be free.

Click here to download the Ulster Bank Home Insurance Policy Document