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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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National Park to host European BioBlitz competition

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Killarney’s nature and wildlife will take centre stage from Friday, May 15, to Sunday, May 24, as the town celebrates National Biodiversity Week.

The annual 10-day event offers a variety of free activities funded by the National Parks and Wildlife Service.

These events provide opportunities for the public to connect with nature and learn from local experts and groups working to protect natural heritage.

This year, Killarney National Park has once again registered for the Natura 2000 BioBlitz.

This is a friendly competition between European nature sites, reserves, and national parks to see which location can record the highest number of species during the week.

In last year’s event, Killarney performed strongly, placing 8th out of 86 competing sites with 647 individual species recorded.


The Killarney National Park Education Centre is calling on the public to help identify and record as many species as possible this month.

To take part, volunteers can download the Obsidentify app and use it to scan plants and wildlife within the park boundaries between May 15 and May 24.


All scans made during this period will count toward Killarney’s total in the EU-wide competition.

Organisers hope that local involvement will help the park climb even higher in the European rankings while highlighting the diversity of the local ecosystem.

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KIFF to air final screening in May

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Kerry International Film Festival Film Club will return on Wednesday, May 20 for its final screening of the season, before taking a break until November.

The Song Cycle is a warm and funny documentary following musician and filmmaker Nick Kelly as he cycles from Dublin to Glastonbury, carrying his gear and performing gigs along the way.

Joining him are long-time collaborator Seán Millar, who arrives by bus to play each night’s show, and cameraman Céin O’Brien, capturing every high and low of the journey.

Blending music, travel and storytelling, the film is both a celebration of sustainable living and a moving reflection on friendship, creativity and Kelly’s relationship with his late father.

Intimate and quietly inspiring, it’s a story about perseverance, keeping the pedals turning, no matter the obstacles.

The documentary has received major festival acclaim, winning Best Independent Film at the Galway Film Fleadh 2024 and the Audience Award at the IFI Documentary Festival 2024.

Festival Manager Marie Lenihan said it has been really heartening to see how the film club has taken off.

She said: “At its core, it’s about giving Irish films a local screen and a shared audience, especially films that might not otherwise reach Kerry.”

Director Nick Kelly will attend a post-screening Q&A, followed by a live performance, making this a special one-night-only film club event.

Tickets are €8 plus booking fee at kerryfilmfestival.com. Free tea and coffee from 7.30pm at Cinema Killarney.

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