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Does my home insurance cover my Christmas presents?

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3 years ago

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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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Book on handball legend to be launched at The Sem

A new book by a Killarney priest will be officially launched at St Brendan’s College on Monday, December 9. Unbeatable – Fr Tom Jones, Handball Supremo will be launched at […]

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4 hours ago

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7 December 2025

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A new book by a Killarney priest will be officially launched at St Brendan’s College on Monday, December 9.

Unbeatable – Fr Tom Jones, Handball Supremo will be launched at 6pm in the college chapel.
The book, written by Fr Tom Looney charts the life of Fr Tom Jones, a past pupil of St Brendan’s who entered the school as both a World and National Handball Champion.
Jones later served as a priest in Ulster, Yorkshire, Australia and Kerry over a 54-year ministry. The biography describes his sporting achievements and his contribution to parish life at home and abroad.
Fr Kieran O’Brien, President of the Kerry Handball Association, will host the launch
Copies of the book, priced at €15, are available in the Cathedral Office, O’Connor’s on Beech Road and the Friary Bookshop.

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HR Buddy named Top Global Employer of Record provider

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10 hours ago

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6 December 2025

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Killarney-headquartered HR & Payroll firm HR Buddy has been recognised as one of the leading providers of Employer of Record (EOR) services in the latest market research published by anywherer.com.

The company, which also operates offices in Cork, Limerick, and Dublin, was highlighted for its dependable service in supporting global firms hiring in Ireland.


HR Buddy functions as an Employer of Record service provider for the Republic of Ireland, assisting foreign companies to legally hire Irish workers without the lengthy process of forming a local entity.

This service includes full HR support, payroll handling, and guidance on local compliance, effectively allowing the foreign firm to manage daily tasks while HR Buddy acts as the legal employer.

This model significantly reduces administrative delays and compliance risks for global businesses looking to expand into the Irish market.


The anywhere.com guide, which helps global businesses compare EOR options, noted that HR Buddy stood out for its local expertise, dependable service, and commitment to simplifying workforce management for global teams.


Damien McCarthy, Managing Director of HR Buddy, said” W”e are working with organisations in Japan, China, Singapore, Canada, US, Scandinavia, Europe & the UK. It is testament to our team that independent market research places us as a leading provider in this area,”


In addition to its EOR service, HR Buddy also provides HR and employment law support, payroll outsourcing, HR Buddy Manager software solutions, and workplace training to businesses across Ireland.

The company celebrates its 9th year in business this month.

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