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Holiday Home Insurance- What you need to know

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If you own a holiday home in Ireland you will need specific holiday home insurance in place for your Buildings, Contents and Public Liability.

The use of the property will impact on the quotes given, eg family use, seasonally let out, or let out using Air BnB. It should be noted that some underwriters do not accept Air BnB use.
Here are some tips when buying Holiday Home Insurance including some cost saving tips.

Buildings – Your Property should be insured for its rebuild cost not the market value. Rebuilding costs have increased substantially over the past 12 months. There is a handy rebuilding calculator on www.scsi.ie where you can calculate your own property. Under-insurance can have serious consequences in the event of a claim so it is advisable to review annually and get professional advice from an Insurance expert.

Contents – Remember an item of contents is something that would go with you if you moved house. For example a dining table is part of contents but a fitted kitchen is part of buildings. You should value your contents for replacement value.

Review - Holiday home Insurance rates use many data streams so it is crucial to ensure that your details are correct when quoting. Important factors are your Eircode, seasonally let or family use, intruder and smoke alarms, year of construction and flat roof details if applicable.

Shopping around – When shopping around it is important to understand that direct insurers and banks will only sell their own products. They may not be able to offer you choice or advise you on your options. It is also worth noting that you are free to move your Insurance from your mortgage provider, we do this on a regular basis and succeed in securing large savings for these customers.

Use a Broker – As experts in Home Insurance we understand the market conditions and can advise which Insurer or which product is most suitable for your specific needs. Aside from understanding the discounts than can be achieved in each case we also negotiate bulk discounts from Insurers to get the best prices for our customers.

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Marie Meets: Marie Murphy

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Pedalling kindness and serving smiles

For more than twenty-two years, Marie has been the warm heart of the canteen at Killarney Community College. Every weekday from 9am until 2pm she prepared fresh food from scratch, served generations of students and staff and somehow managed to nourish far more than empty bellies.

“There was never a day that I hated getting up out of bed to go to school,” Marie told me.

Now there’s a sentence you don’t hear every day. I couldn’t help thinking there were probably quite a few students over the years who might not have shared that same enthusiasm for early mornings.

When the school’s Breakfast Club became part of her day, it meant an earlier start, but she never saw it as another job to do. She saw it as another opportunity to be there for the young people walking through the school gates.

Schools are remarkable places because every child arrives carrying a story that nobody else can see. Some bounce through the gates full of excitement while others quietly carry worries far bigger than their school bags. You never truly know what kind of morning a child has had before they arrive. Sometimes all it takes is one familiar smile, one cheerful greeting or one person noticing they’re a little quieter than usual to make the day feel just that little bit lighter.

Marie was that person.

She had an ear to the ground without ever making a fuss about it. She knew when to chat, when to encourage and, just as importantly, when to quietly step back.

By lunchtime, however, there was no mistaking who was in charge.

“I’m sure you could hear me over in the Sem telling the children I’d close the canteen if I didn’t see two clear lines,” she laughed.

Among the many treasured retirement cards she received were messages that read, “Marie, you never did close the canteen,” and another that admitted, “Marie, I think I owe you about €30.”

“There was no backchat from the students,” she said. “I find a ‘Hello, how are you?’ costs a person nothing.”

As a testament to just how much Marie meant to school life, a group of students approached members of the teaching staff looking for photographs of her. They carefully put together a scrapbook filled with memories and presented it to her before she left. It was a gift made not because they had to, but because they wanted to.

Outside school, Marie is almost as well known around Killarney for her bicycle as she is for her sandwiches. She has never driven and happily pedals her way around town in every season. Her trusty basket even sports a homemade rain cover fashioned from a plastic tablecloth because, as any seasoned cyclist knows, you have to be prepared for every forecast.

When she is not cycling, she is creating.

Crochet, knitting, sewing, cooking, Marie simply cannot sit still.

“I always need a project,” she smiled.

During the years she worked evening classes in the school canteen, she longed to join the sewing class herself but could never leave the canteen unattended. Instead, she listened while she worked, picked up what she could, bought herself a sewing machine in Lidl and went home and made herself a skirt. That one skirt was only the beginning.

Family, of course, will now take centre stage.

Marie and her husband Donie have three children, Colm, Alan and Aoife, along with five adored grandchildren. Little Gracie is just six weeks old, while Theo, Noah, Ori and Ailbhe ensure there is never a shortage of fun.

This August promises to be one big family celebration. Aoife will be home from the United States with her family, Alan will travel from Alicante, where he teaches, to celebrate his fortieth birthday, and Colm and his family will make the journey from Cork. Add in Donie’s seventieth birthday and there will be plenty to celebrate.

“We’ll do something small as a family,” Marie smiled, “but I’d love us all to go away together for a night or two.”

Marie may have parked her apron, but don’t expect her to put the brakes on.

Deirdre, one of her colleagues, smiled as she remembered that Marie’s favourite word was “Nowso.”

Karen said the echo of Marie’s infectious laugh will be missed throughout the school.

Marie Keane wished her “a retirement as wonderful as you are.”

Friend and colleague Brian O’Reilly perhaps summed it up best when he said, “Retirement is not the end of the road for Marie. It’s the beginning of a new adventure.”

Retirement may mean the end of Marie’s daily cycle to Killarney Community College, but the kindness she quietly pedalled into the lives of generations of young people over the past twenty two years will continue long after the school bell rings. Every morning she offered far more than breakfast. She offered familiarity, encouragement and the reassuring feeling that someone had noticed them. In a busy school, and in an even busier world, that is a gift beyond measure.

Knowing Marie, retirement won’t slow her down. There will be sewing projects to finish, grandchildren to spoil, bicycles to pedal and plenty of new adventures to enjoy. The bicycle will still be rolling through the streets of Killarney. It will just have a little more time to enjoy the journey.

Photo & Story by Marie Carroll O’Sullivan

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West End House presents ‘By the Bog of Cats’

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The West End House School of Arts will present an upcoming adaptation of Marina Carr’s acclaimed play, By the Bog of Cats, later this month.


The production is directed by Charlie Hughes and will run on July 29 and July 30 at the Great Southern Hotel.

Set in the landscape of the rural Irish bogs, Carr’s play follows the story of Hester Swane, a woman with a deep connection to her land.

Tormented by the memory of her mother who abandoned her, Hester faces further betrayal by the father of her child, leading her on a path of vengeance as her history is revealed.


Tickets for the performances are priced at €20. Bookings can be made online via Eventbrite or by calling 087 13 77 196.

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