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That is it in a nutshell. Lower investment returns, more claims due to the recession = Higher claims costs, higher premiums. You also only have to look at the Irish attitute to claims i.e our world famous compo culture, to see why our premiums are one of the highest in the World. Recent Luas /...

The insurance won't pay for the new pipes as the existing ones need replacement due to wear and tear associated with their age. You will have to pay for this yourself. The insurance pays for the resulting damage from the leak i.e. the underpinning.

Just because the house was built in the 70's and the pipes are earthenware doesn't mean that they will be leaking. All houses prior to the use of Wavin pipes in the 80's used earthenware and most are still ok. If the hydrostatic test shows up no leaks then the cracks are down to something else...

The reason for the deal is simple and you have mentioned it above, the new model is out next year and Mazda Ireland has a load of the old models to shift now! It's an excellent car and the trade in he is giving you seems about right so it's just really down to the question of do you want to /...

I have come across this many times in my career where leaking pipes have caused foundation movement, if the cracks are on the walls of a three bed semi then chances are there is pipework very close by and thus quite likely to be causing the problem if they are cracked or have displaced joints...

If your property is in North County Dublin and built by Mennolly Homes or any of their affiliated companies then this is being suggested to be linked to Pyrite. The case is before the commercial courts at the moment. Basically Mennolly Homes are suing Irish Asphalt / The Lagan group suggesting...

This situation has arisen as a result of an escape of water from the earthenware service pipes at the house. These spiggot and socket type joints detach due to wear and tear which results in water escaping, undermining the fine soils underneath the foundation of the house and the house thus...

It can be done but it is entirely at the descretion of the life insurer. Most shouldn't have a problem provided the risk hasn't materially changed i.e. you haven't been diagonosed with something in the last two years. That said, the older you are, the less likely they are to agree to extending...

Yeah good idea, make what's probably a nothing incident into a fraudulent claim to cover the €750 engineer's fees, risk having the claim thrown out and a conviction for fraud against you!!! Oh actually wait a minute, no it might be better to go with Ed54's advice and let the motor insurers take...

I would have to agree with the two previous posts. A properly qualified and regulated assessor can be of real benefit if the process of an insurance claim baffles you or if you simply don't have the time to handle the claim yourself. The key issue here would be that make sure they are regulated...

I entirely agree with the above. In any event, alarm warranties are rare on standard household policies unless there are very high value items in the house and the sums insured on contents are in excess of €100,000 which is rare.

When it comes to gold and diamonds, comparing like for like is very easy. You lost/had stolen an 18ct gold, solitaire diamond with 0.5ct size, colour e, clarity vvs1, the insurance company jeweller would have to certify the replacement is an 18ct solitaire 0.5ct, e colour, vvs1 ring. Anything...

It is the norm for jewellers to give you a valuation based on what it would cost plus a small bit over, as the other person said 'to make you feel like you got a bargain.' I worked in the industry for years and that is normal. I also bought my wife's engagement ring off a very well known...

Thanks for that. Garden in the place we are planning to buy is small but house itself is a grand szie and the park is on your doorstep so who needs a big garden!!

Very good :) Alfas are usually bought as an affair of the heart not head. The old 156 was a complete junk bucket. A friend had one from new and after about three years, six emergency visits to the dealer and numerous missed appointments, he drove the thing up the M1 to a dealer, praying it...

That's not true unfortunately, its called the Accidental Fires Act. You could only claim off their insurance if the fire had been caused by a negligent act of your neighbour. If it was a case for example that their electrics malfunctioned and started the blaze through no act or lack of act on...

Hi, I am thinking of buying a house in The Park in Cabinteely and was wondering do any of you guys know if there is any problems with anti-social behaviour or other negative issues in the area? I have lived in Killiney for the past 30 years and know of The Park as being a really nice place to...

Like anywhere, it only takes one family/person to cause havoc for others in the place. The above mentioned estates would be, as the person says, the more settled, mature areas in Ballybrack. Several estates off the Shanganagh Road have a bad reputation and in some ways deserved. If you are...