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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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KWD Recycling shortlisted for national environmental awards

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KWD Recycling shortlisted for national environmental awards


Killarney-based KWD Recycling has been announced as a finalist in the 2026 Repak Resource Awards, securing a spot on the national shortlist for environmental achievement.


The local waste management company has been nominated in the Best Recovery Operator Innovation category, sponsored by DNV, for its state-of-the-art residual waste recovery system.
The Killarney facility utilizes optical sorting, screening, and mechanical processing to extract recyclable plastics and organic material from municipal waste. In its first year of operation, the technology recovered more than 10 per cent of plastic packaging from residual waste for recycling and diverted almost 50 per cent of organic material toward composting.
KWD Recycling will compete alongside Dublin operators Panda and Thorntons Recycling for the category title.
Repak CEO Zoe Kavanagh commended the Kerry firm for demonstrating environmental leadership and bringing local ambition to the national awards.
Category winners will be announced at a black-tie ceremony at the Mansion House in Dublin on Friday, October 23, where each winner will also compete for the Overall Repak Resource Award.
Local businesses have a strong track record at the national event, with Killarney town venue The Killarney Park and The Ross previously taking home the overall title in 2023.

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Drivers warned as deer rutting season begins

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Drivers warned as deer rutting season begins


Motorists in Killarney are being urged to exercise extreme caution as the annual deer rutting season gets underway, causing animals to stray far beyond their usual habitats inside Killarney National Park.


The autumn mating season sees deer becoming highly active and unpredictable, leading to increased sightings and collisions on local roads outside traditional park boundaries.
Two separate incidents highlighted the growing hazard on local routes this week. A reader contacted the Killarney Advertiser to warn drivers after spotting a deer roaming near Tiernaboul towards the school on Sunday afternoon around 7.30pm.
Later that same night, in the early hours of Monday morning, a local driver collided with a deer near Kerry Airport around 1am while returning home from an event.
Despite attempting evasive action, the motorist struck the animal, which died at the scene and temporarily blocked the road before local Gardaí were alerted to clear the obstruction.
The driver sustained substantial vehicle damage, requiring repairs to the bumper, headlamp, and internal components, leaving her facing significant garage costs and time off the road.
Gardaí and road safety advocates advise motorists travelLing during early morning and late evening and remain vigilant along tree-lined routes.

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