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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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Kilcummin Mothers & Others quiz raises over €1,800 for charity

Kilcummin Gaelic Mothers & Others hosted a hugely successful Halloween-themed table quiz last Friday night at the Kilcummin Klub Bar and GAA Hall, raising over €1,800 for charity. The event […]

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Kilcummin Gaelic Mothers & Others hosted a hugely successful Halloween-themed table quiz last Friday night at the Kilcummin Klub Bar and GAA Hall, raising over €1,800 for charity.

The event saw an excellent turnout of more than 130 people, with funds set to be split between Temple Street Children’s Hospital and the local Kilcummin Mothers & Others ladies football team.
Many attendees embraced the Halloween spirit by arriving in “Spooktacular” costumes, adding to the fun of the evening. Organisers noted that the “Big Raffle,” supported by generous local businesses and individuals who contributed prizes, played a significant part in the successful financial outcome.
Quiz Master Derek O’Leary put participants through their paces with a variety of challenging questions. Team member Catriona Doolan, one of the organisers, described the evening as “undoubtedly a great social evening for all in attendance,” confirming that a family fun night was had by all.
Organisers extended their gratitude to Kilcummin GAA, as well as John O’Sullivan and staff for facilitating the event and providing a wonderful array of finger food at half-time. Thanks were also given to Nessa and Declan for supplying the sound system.
The Kilcummin Mothers & Others group is always open to new members. Those wishing to join the vibrant and fun-active group can contact Ann Marie on 087 9047274.

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New bus route to Mallow will be a “game changer”

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A new bus service linking Mallow and Killarney is in the final stages of planning, according to Cork North West Fine Gael TD John Paul O’Shea.

Commencement is dependent on the availability of resources and funding.

Once operational, the route is expected to offer up to six return journeys daily, seven days a week.

The new service, which will be known as Route 515, will connect Mallow and Killarney and service villages such as Ballyclough, Castlemagner, Kanturk, Boherbue, Knocknagree, Rathmore, Gneeveguilla and Kilcummin en route.

Deputy O’Shea has welcomed the news describing it as “excellent” for the local communities.

He said: “Reliable public transport is vital for connecting people across rural North Cork and Kerry supporting access to work, education, healthcare, and local amenities.”

Fine Gael councillor Tony O’Shea also praised the initiative, calling it a “game changer” for local residents by “greatly enhancing connectivity in Mallow”.

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