Personal Insurance

Health Insurance
 
At Murphy Sheehy we understand the complexities of insurance plans and the difficulties presented when assessing health insurance needs, whether within a corporate setting or personally.  Working with entities such as Aviva Health and other health insurance providers (?????) we have created clear, concise and relevant insurance packages which can be personalised to suit individual needs.  
We believe that ‘one size does NOT fit all’ hence our experience in formulating plans to suit various categories such Sports Cover, International Health and Travel,  Health Screening etc.
 
House insurance
 
Providing cover and protection for your building and contents is practical, and Murphy Sheehy can add value to plans with additional benefits and insightful recommendations.
Additional benefits which can be negotiated with reputable providers could include:  
 
Compensation in the event of a death
Financial loss as a result of credit card theft.
Alternative accommodation if displaced
Jury Service expenses in the event of call out.
Cover for wedding presents
Accidental damage to audio and video equipment    
Replacement locks
Central heating oil insurance
Glass breakage
Frozen food cover
Fire brigade charges in the event of a call out.
Contents temporarily removed
The costs of recompiling title deeds
Trace and access costs in locating the source of oil and water leak
 
Motor Insurance
 
When you need car insurance (whether third party or comprehensive), breakdown assistance, and/or windscreen replacement, you will also wish to alert providers to your no claims bonus in order to get the best rate possible.
Drawing from a wide choice of insurers including Aviva, Zurich, Allianz & Axa, we compare and contrast leading car insurance providers to get the best deal and benefits for our clients.
At Murphy Sheehy we can arrange Car Insurance Policies on your behalf as follows:
 
Third party and comprehensive policies
Direct Debit facility
Instant cover online, over the phone or in-store
Personal claims handling service
No claims bonus protection where appropriate.
Special rates for women and young drivers.
 
Life Assurance & Protection
 
With Life Insurance your family’s lifestyle, their home and more can all be protected from the financial consequences of your death. Because Life Insurance pays out a lump sum after your death, they are free to use this money to clear debts, pay off the mortgage or do whatever it takes to secure their futures.
Life Insurance comes in different forms and here at Premier Financial Services we can explain the benefits of each one. We can also help you select and source the level of Life Insurance that suits your needs and the needs of your family.
What types of Life Insurance are available?
Level Term – this cover applies for a certain period of time, usually between 5 and 40 years, and pays out a lump sum if you die during that period. You can cover a Single Life, Dual Life which covers two people and pays out when each dies, or Joint Life which covers two people and pays out when the first person dies.
Whole of Life – this cover applies for as long as you keep paying the premiums and is guaranteed to pay out when you die. If you cancel the cover before dying you may be entitled to an encashment value.
Mortgage Protection – this cover will pay off the outstanding balance on your mortgage in the event of your death. You can cover a Single Life or a Join Life which covers two people and pays out when the first person dies.
How much does Life Insurance cost?
The cost of Life Insurance depends on the amount of the lump sum you are looking to cover, the term over which you want the cover to apply and a number of other factors such as your age, gender, lifestyle, medical history and smoker status.
Find out more about how our independent advice and market knowledge will help you find the Life Insurance cover you need for financial security and peace of mind.
Call us today on 066 7123099

 

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