Home Insurance - Insurance and Protection | Ulster Bank

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Home Insurance

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Only available to residents in the Republic of Ireland. Over 18s only.

Ulster Bank Home Insurance is arranged (for all sales in Ulster Bank branches) and introduced (for all website and call centre sales) by Ulster Bank Ireland DAC. It is underwritten and administered by Aviva Insurance Limited. Aviva Insurance Limited, trading as Aviva, is authorised by the Prudential Regulation Authority in the UK and is regulated by the Central Bank of Ireland for conduct of business rules. Registered Branch Office in Ireland No 900175. Registered Branch Address One Park Place, Hatch Street, Dublin 2. Registered in Scotland No 2116. Registered Office Pitheavlis, Perth, PH2 0NH.

Home cover for less Up to 40% no-claims discount on your premium


Discount is tiered and depends on no-claims period. Quotes are valid for 30 days. Underwriting criteria and minimum premium applies. Offer can be withdrawn at any time.
Home Insurance Features and benefits

Our Value and Premier combined buildings and contents policies take care of the finer details, so you don't have to worry.



Description, exclusions and

Value Cover

Premier Cover

24 hour claims
To report a claim or for claims advice
24 hour homecall
Access to a list of local registered trademen and repairers

If your home is unfit to live in following a claim, we will pay
for the cost of providing other accommodation for you
and your family, until you can safely return to
your home (we can pay up to 15% of the buildings
and contents sums insured for alternative accommodation)
Extra cover for
Christmas and weddings

We will increase the contents amount insured on your policy
by 10% over Christmas (for the month of December) and for family
weddings (for 30 days before and after the wedding of an immediate
family member)
Accidental damage
Accidental cover on televisions and home computers up to
€2,000 per claim
Personal belongings
Up to €1,500 per claim (with an option to purchase extra
amounts of cover)
Lost or stolen credit
and debit cards

If your credit or debit cards are lost or stolen and you have to pay
the bill as a result, we will pay up to €1,270 per claim
Replacing door locks
If the keys to your home are stolen in a personal assault or break-in,
we will pay up to €650 per claim to cover the cost of replacing external
locks, locks on domestic safes and alarm keys


The standard excess for Value home insurance is €750. The standard excess for Premier home insurance is €275. This is the amount you must pay towards certain claims. See our Home Insurance Policy document (PDF) for more information.
Discounts and savings Home cover for less

Great news - insuring your valuables has never been so affordable with our home insurance discounts.



Icon expand No-claims discounts

No claims period


Year 1 claims free 15%
Year 2 claims free 18%
Year 3 claims free 25%
Year 4 claims free 35%
Year 5 claims free 40%


If you do not make any claims during the policy year, you will continue to receive up to 40% no-claims discount when you next renew (provided your policy remains claims free).


Icon expand First time buyer discount

25% discount for first time buyers or customers who have not previously held home insurance.


Icon expand Alarm discounts

If you have an alarm


Approved standard alarm 14.5%
Approved monitored alarm 19.5%



Icon expand Loyalty discount (renewal discount only)

6% discount when you renew, if you are a minimum of 3 years claims free and 1 year claims free with Ulster Bank home insurance.


Icon expand Increased policy excess discount

Voluntary excesses available
on Value home insurance


€1,000 13.5%
€2,000 23.5%
€5,000 40%

Voluntary excesses available
on Premier home insurance


€500 3.5%
€750 7.5%
€1,000 11%


Discounts are applied consecutively and are subject to a minimum premium of €230 for buildings & contents cover. This includes a 5% government levy and contribution to the insurance compensation fund.
Helpful information Home insurance explained

When you need a buildings and contents policy, we can help.

Buildings cover


A row of houses More on buildings cover
Home Insurance Buildings cover

Offers protection from a wide range of risks. Our policy not only covers buildings, but also other permanent fixtures on the property, including outbuildings, fences and walls, fixtures and fittings and interior decorations.

The amount of cover you choose is based on the rebuilding cost and not on the value of your home. The Society of Chartered Surveyors provide a guide to rebuilding costs which you can see on their website at www.scsi.ie.


Contents cover


Family sitting on a sofa More on contents cover
Home Insurance Contents cover

Contents include household goods and personal belongings (including personal money up to €650) in your home, which belong to you or any member of your household.


Combined cover


More on combined cover
Home Insurance Combined cover

A combined policy consists of both buildings and contents cover and is only suitable for people who own their homes.


You can get a quote and apply online today for a combined buildings and contents policy. A standalone buildings policy (when the building is in the course of construction) or contents policy can be purchased by telephone.  

Existing customers Got a cover query?

For full details of cover see our Home Insurance policy document below.

Home Insurance policy document (PDF)
Home Insurance Ready to apply?
Get a quote now
Home Insurance Get a quote now


Would you like a quote for the first time or have you received a quote in the last 28 days?


Renew my policy
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