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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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Centenary certificate for Beaufort’s Rupert Costello

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Centenary certificate for Beaufort’s Rupert Costello


Beaufort native Rupert Costello has been presented with a special centenary certificate by An Taoiseach Micheál Martin for his lifelong service to Fianna Fáil.


The presentation took place at the Beaufort Bar, where Mr Costello was recognised for his decades of dedication to advancing the party locally and nationally.
Over the years, Mr Costello has held numerous roles within the Beaufort Fianna Fáil cumann, one of the oldest active cumainn in Ireland. Joined by his wife Noreen for the presentation, he was praised for his long-standing commitment to community politics and the local organisation.

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Rare freshwater turtle spotted in Killarney National Park

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A non-native freshwater turtle has been spotted basking on the banks of the Lakes of Killarney near Dinis.


The unexpected sighting was made by local Green Party representative Diarmuid Griffin, who works as a tour boat driver for Ross Castle Boat Tours.


Mr Griffin first spotted the terrapin on Monday, August 31, while navigating passengers through the Meeting of the Waters area.

Recent rainfall had raised water levels sufficiently to reopen the boat route near Dinis, which had previously been closed due to dry conditions.


Unable to secure a photo during the initial encounter, Mr Griffin returned to the same basking spot the following day, Tuesday, September 1.

He maneuverred the boat into position, allowing a passenger to take photographic evidence of the reptile.


Freshwater turtles and terrapins are not native to Ireland, with such species typically introduced to wild waterways through released or escaped pets.

National Parks and Wildlife Service (NPWS) staff have been informed of the location to monitor the area and determine how the animal made its way into Loch Léin.

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