SEVERE WEATHER ALERT
Met Eireann have issued a weather advisory from Monday the 18th November with wintry hazards such as frost and ice likely with potential for sleet, snow and hail. Please take care, be safe and drive with extreme caution. Find out more about protecting your home from severe weather and read our winter driving safety tips on our blog:
Protect your home from severe weather
Our 24/7 claims & emergency assistance helpline: 0818 208 408
What is an excess?
An excess is a fixed amount you have to pay if you decide to make a claim on your policy. For example if your excess is €250 and you make a claim for €1,000, your insurer will pay out €750.
At Zurich, our standard home insurance Policy Excess is €250. However different excesses apply for certain types of claims:
| Subsidence, Ground Heave and Landslip Excess | €2,500 |
| Escape of Water Excess | €750 |
| Escape of Oil Excess | €500 |
| Personal Money Excess | €50 |
| Personal Possessions Excess | €100 |
If you have an existing Zurich Home Insurance policy you should check your Policy Schedule to see what excesses apply to your policy.
Opting to pay a higher Policy Excess of €500 or €1,000 could lower your home insurance premium. So if you’re looking to reduce the cost of your home insurance policy, you should look at what your Policy Excess is and consider increasing it to lower the cost.