A) Yes. Quote Devil Ltd. is Irish owned and focussed on finding the best value Insurance
cover for Irish consumers.
Q) Is Quote Devil regulated by the Financial Regulator here in Ireland?
A) Yes. Quote Devil Ltd. is regulated by the Financial Regulator in Ireland. Quote Devil
Ltd. is fully bonded & insured and our Home Insurance policies are underwritten by one of the best
known and strongest insurance companies in the World, Zurich Financial Services.
Q) How old is Quote Devil?
A) Quotedevil.ie was set up in October 2006 to deliver quality insurance products in the
fastest possible time and at the best rate we can provide. Quote Devil currently provide House
Insurance, Home Insurance, Travel Insurance, Wedding Insurance, Mortgage Protection Insurance, Life
Insurance and Motor Breakdown Insurance.
Q) Do I have to insure my house through my mortgage provider?
A) No. You can choose to insure your house with whomever you wish. If you have a
mortgage
you will need to have the interest of the mortgage provider noted on the policy (this can be done by
entering the details online on the QuoteDevil Site)
Q) Can you please explain what is included under buildings insurance?
A) Building insurance covers the structure of your home including domestic outbuildings
and any fixtures or fittings. This should include items that you usually cannot take with you if you
move home. (eg. Fitted kitchens etc.)
Q) How do I know how much to insure my buildings for?
A) Contents insurance covers everything in your home belonging to you or belonging to
members of your family permanently living with you, this would include items that you usually would
take with you if you move home.
Q) How much should I insure my contents for?
A) You must insure your contents for the replacement cost at today's values in the event
of them being stolen or damaged.
Q) What is a policy excess?
A) The policy excess is the amount of each claim that you will have to pay for yourself.
The standard excess on the QuoteDevil policy is €250 but if you choose to increase the excess
there
is a premium discount available. The excess in respect of subsidence €1,500.
Q) What is all risks cover?
A) All risks provides cover for items temporarily outside the home. (Possessions
normally worn or carried on the person outside the home, e.g.: jewellery, items of clothing,
photographic equipment. Note: Mobile phones, hearing aids, sports equipment and pedal cycles are
excluded.) For Items values over €650.00 you will need specified all risks to cover these
items. A
Valuation will be required for any item valued at more than €6,000. These items will NOT be
covered
/ insured until we receive the valuation from you.
If you have not found the answer to your question here, please call Quote Devil on (01) 254
1300 or email us at
thebigman@quotedevil.ie
A) Mortgage Protection - the sum assured is reduced during the term of the policy. The
policy can be arranged on a single or joint life basis. The premium is agreed at the start of the
policy and remains unchanged during the term of the policy (The first Year is discounted)
Q) How can you arrange such cheap mortgage protection insurance?
A) We refund up to 50% of the commission to the customer which reduces the first years
premium by this amount. The monthly or yearly premium for all subsequent years is charged at the
full rate.
Q) How do I pay the premium?
A) The first years premium will be paid by cheque or bank draft for the full years
premium less the commission rebate and subsequent years will be paid either monthly or yearly by
direct debit.
Q) Do I need Mortgage Protection?
A) Anyone who is buying a house will be
required by their Mortgage Provider to arrange a Mortgage Protection Policy.
The minimum amount that the provider will require is the amount outstanding
on your mortgage, but you can choose a higher amount if necessary (certain
classes of people may be able to avoid having to have life cover for a
mortgage e.g. over 50's. landlords etc. please check with your mortgage
provider).
Q) What are the options for who is covered by my policy?
A) There are two options available - A Single Life policy only covers one
person (the insured). A Joint Life policy covers two people. This policy
will pay benefits on the first death of either insured person and the policy
then ceases.
Q) Can a mortgage protection policy be extended to give additional covers.
A) Yes you can choose the option of including serious illness cover (this
means that the policy will pay out in respect of a claim where a specified
serious illness is diagnosed).
If you have not found the answer to your question here, please call Quote Devil on (01) 254
1300 or email us at
thebigman@quotedevil.ie
