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Does my home insurance cover my Christmas presents?

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By John Healy of Healy Insurances

Christmas isn’t far away now and households will be filling up with gifts for young and not so young.

Should you review your household contents cover in advance of the festive season?

Most insurers will cover a seasonal increase for the Christmas period. This increase can range from 10% to 20% depending on the insurer's policy wording. For example Aviva, Zurich, Axa and Liberty increase the contents sum insured by 10% for the month of December whereas Allianz and RSA increase the contents by 10% for December and January. Your sum insured for contents should include food and beverages.

Your contents cover should be adequate to cover all your personal possessions in advance of the holiday season. Your calculation should include all moveable household contents, for example white goods, clothes, personal possessions and furniture.

Valuable property such as jewellery, watches, paintings, musical instruments and the like will be covered as standard under your contents cover but there will be a maximum value. Usually this maximum value is one third of the contents sum insured with a maximum set value for any one article, set or collection.

I would advise that any high value items should be added to your policy and specifically itemised under the “all risks” section. The item is then covered against loss inside and outside the home.

It is important to note that when storing gifts the amount covered will not be as high if gifts are stored in your vehicle or an outdoor shed.

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Aghadoe Heights introduces Engagement Concierge service

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Aghadoe Heights introduces Engagement Concierge service


Aghadoe Heights Hotel & Spa has launched a full-service Engagement Concierge, providing a bespoke proposal planning service.


Part of the TMR Hotel Collection, the five-star property aims to handle every detail of popping the question, offering discreet support from initial planning to execution.
The process begins with a private consultation to tailor the occasion to the couple. Services on offer include secure ring safekeeping, hidden photography or videography, custom floral arrangements, manicures at the hotel spa, and candlelit balcony or penthouse setups.
Post-proposal options include private dinners, couples’ spa treatments, framed photos delivered at evening turndown, custom embroidered robes, and helicopter flights.
Speaking on the launch, Aghadoe Heights Hotel & Spa General Manager Brian Bowler highlighted the focus on reducing stress for guests.
“Proposals are among the most meaningful moments in a person’s life, yet they often come with significant pressure,” Bowler said. “Our Engagement Concierge allows guests to focus entirely on the moment itself. We discreetly manage every detail behind the scenes.”
The hotel is also offering follow-up planning for engagement parties and weddings, ranging from intimate penthouse gatherings for up to 18 guests to full exclusive venue takeovers.
Consultations are designed around individual preferences and budgets. Further information is available at aghadoeheights.com/engagement-concierge or through the hotel’s wedding team.

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Paralympic legend to headline Chamber winter schedule

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Paralympic legend to headline Chamber winter schedule


Six-time Paralympic gold medallist Jason Smyth will head to Killarney next month as part of an ambitious winter events schedule announced by the Killarney Chamber of Tourism and Commerce.


The legendary sprinter will take centre stage for ‘An Evening with Paralympian Jason Smyth’ on Wednesday, October 7 at The Killarney Plaza Hotel & Spa. The complimentary discussion event, sponsored by AIB, promises an inspiring insight into the career of one of Ireland’s greatest-ever sporting figures.
The high-profile appearance forms part of a busy lineup of upcoming gatherings designed to connect local businesses and residents across the town.
The schedule kicks off on Wednesday, September 30 with a Chamber Luncheon at the Killarney Heights Hotel, offering members a key networking opportunity ahead of the autumn season.
Chamber leadership highlighted that the autumn and winter series continues the organisation’s core mission of bringing the local community together and showcasing Killarney as an outstanding place to live, work, and belong.

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