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House Insurance Turners Cross/Ballyphehane

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  • 15-11-2015 8:22pm
    #1
    sozbox
    Registered Users Posts: 1,399 ✭✭✭


    Has anyone bought a house in these areas in the last few years? I'm looking at a few but every online house insurance site is refusing a quote due to subsidence issues.

    Anyone have this issue before?


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    #2
    athtrasna
    Closed Accounts Posts: 13,420 ✭✭✭✭athtrasna


    Moved from A&P


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    #3
    daddyd
    Registered Users Posts: 7 ✭daddyd


    Could you talk to people living in the area and see who they have house insurance with?


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    #4
    blindsider
    Registered Users Posts: 2,022 ✭✭✭blindsider


    Subsidence CAN be an issue in many parts of Cork city southside. Obviously, you'd get an in-depth engineer's report, specifically dealing with subsidence.

    Re. insurance, you'll get house insurance easily enough, but you're unlikely to have subsidence cover included - hence the need for a really good engineer's survey/report


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    #5
    sozbox
    Registered Users Posts: 1,399 ✭✭✭sozbox


    blindsider wrote: »
    Subsidence CAN be an issue in many parts of Cork city southside. Obviously, you'd get an in-depth engineer's report, specifically dealing with subsidence.

    Re. insurance, you'll get house insurance easily enough, but you're unlikely to have subsidence cover included - hence the need for a really good engineer's survey/report

    I'm not sure that's tallying with my experience this week. I've contacted both FBD and 123.ie for a quote on two properties, one in ballyhehane and one in turners cross, both refused to provide a quote on either address, stating subsidence risk as the refusal reason.


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    #6
    namloc1980
    Registered Users Posts: 18,288 ✭✭✭✭namloc1980


    Go to a broker. In situations like this they are very good.


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    #7
    mcko
    Registered Users Posts: 755 ✭✭✭mcko


    I had the same problem and dealt with O Learys on the South Mall, they were excellent, it is hard to get cover.


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    #8
    sozbox
    Registered Users Posts: 1,399 ✭✭✭sozbox


    Thanks, I'll give them a call. Can I ask how much you ended up paying ?


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    #9
    blindsider
    Registered Users Posts: 2,022 ✭✭✭blindsider


    sozbox wrote: »
    I'm not sure that's tallying with my experience this week. I've contacted both FBD and 123.ie for a quote on two properties, one in ballyhehane and one in turners cross, both refused to provide a quote on either address, stating subsidence risk as the refusal reason.

    Fair enough - also try O'Mahony Boylan Golden in Parnell Place - they're very good!

    (I have no connection to them.)


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    #10
    kub
    Registered Users Posts: 6,546 ✭✭✭kub


    mcko wrote: »
    I had the same problem and dealt with O Learys on the South Mall, they were excellent, it is hard to get cover.
    blindsider wrote: »
    Fair enough - also try O'Mahony Boylan Golden in Parnell Place - they're very good!

    (I have no connection to them.)


    That would be an interesting comparison, as O Learys own the latter.


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    #11
    eillib
    Registered Users Posts: 4 ✭eillib


    Not easy to get insurance in this area. Went to McCarthy Brokers in South Mall. Zurich accepted me (subsidence not included) €515.


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    #12
    mcko
    Registered Users Posts: 755 ✭✭✭mcko


    Sorry for late reply, I think about 600 off hand its pretty hard to get subsidence cover.


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    #13
    blindsider
    Registered Users Posts: 2,022 ✭✭✭blindsider


    kub wrote: »
    That would be an interesting comparison, as O Learys own the latter.

    EGGZACKLY!!!:D


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    #14
    sozbox
    Registered Users Posts: 1,399 ✭✭✭sozbox


    Yeah Zurich will quote no problem without subsidence, coming in around €450.

    With subsidence they want an engineers report but say a quote could be up to €1000. Might be a stick to beat down the price or I might just give up on those areas altogether.

    Spoke to someone in ballyhehane who had subsidence issues, underpinning cost €50k and the insurance premium went up to €1100/year.


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    #15
    pow wow
    Closed Accounts Posts: 5,288 ✭✭✭pow wow


    My parents had a similar issue a couple of years ago in a neighbouring suburb and the only ones who would quote were Allianz. They're with them since, subsidence cover included, and the premium is pretty reasonable. That was through PTSB, might be worth a go if you haven't encountered Allianz already.


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    #16
    Bank of Ireland: Helen
    Closed Accounts Posts: 147 ✭✭Bank of Ireland: Helen


    sozbox wrote: »
    Has anyone bought a house in these areas in the last few years? I'm looking at a few but every online house insurance site is refusing a quote due to subsidence issues.

    Anyone have this issue before?

    Hi Sozbox,

    My name is Helen from Bank of Ireland, we have a talk to forum here and just noticed your post.

    We’d be happy to offer you a quote for your Home Insurance, even if your area has a higher risk of subsidence.

    So why not stop by and we’d be happy to have a chat with you.

    Cheers
    Helen


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