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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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Soroptimists to host annual Pancake and Coffee Morning

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Killarney Soroptimist Club has announced the return of its annual Pancake and Coffee Morning, which will take place on Shrove Tuesday, February 17.

The event will be held at the Killarney Avenue Hotel starting from 10.30am.

Attendees can look forward to a morning of music and entertainment featuring Tim Gleeson and friends.

Along with pancakes and coffee, the event will feature various raffles and a door prize on the day.

This year’s door prize is a two-night bed and breakfast stay at the Hayfield Manor Hotel.

The event is a significant fundraiser for the club, with all proceeds being donated to Rockmount Care Centre in Kilgarvan and St Mary of the Angels in Beaufort.

Tickets for the morning are priced at €20 and are available for purchase from, Soroptimist Members, the chosen beneficiary charities or Sheila Casey at 086 814 9677.

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Julie Deady wins first Camera Club competition of year

The first competition of the new year proved a strong start for Killarney Camera Club, with January’s theme of “Sunset” attracting a wide range of high-quality entries. Top honours went […]

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The first competition of the new year proved a strong start for Killarney Camera Club, with January’s theme of “Sunset” attracting a wide range of high-quality entries.

Top honours went to Julie Deady, a former Photographer of the Year winner with the club, for her image titled Church of St Primoz and Felicijan. The photograph was taken in Slovenia and captured a striking sunset, with deep reds and strong orange tones stretching across the sky. The setting sun silhouetted a bank of clouds, while warm evening light spilled across the surrounding landscape.
The nearby church, trees and open fields were softly lit, adding depth and balance to the scene. The image impressed judge John Hootan, a distinguished photographer, who praised its exposure, composition and timing. He awarded the photograph full marks, describing it as a benchmark for the competitions ahead.
Members said the standard of entries made the judging particularly competitive and set a positive tone for the year. With such a strong opening round, anticipation is already building for the next monthly themes as members continue to develop their skills and creativity.
The club thanked all members who took part, noting that the growing level of participation and friendly rivalry continues to raise standards across the competitions.

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