Mastering Your Finances: The Power of a Payday Routine
At Lyons Financial Services, we believe that building a solid financial future starts with smart money management. One powerful tool in your financial toolkit is
Motor Insurance Premiums starting at €280.
Comprehensive Cover, Third Party Fire & Theft, Breakdown Assistance, Windscreen Cover, Driving of other cars & More
Household Insurance Premiums starting at €98.
Owner Occupied Cover, Let Property Cover, Course of Construction Cover, Self Build Cover, Contents only cover, Unoccupied & More!
Travel Insurance Cover Single Trip Cover Annual Multi Trip Insurance Backpacker Insurance
EU & WORLDWIDE COVER AVAILABLE
Employers/Public Liability Professional Indemnity, Retail,
Office & Surgery Cover Goods In Transit & Much More!
Lyons Financial Services is based in Dunboyne, Co. Meath and today employs 21 people. Our team of experts excel in providing market-leading solutions to consumers, employees and employers, in both the public and private sectors right across the country through our nationwide team of consultants. We are one of Ireland’s leading advice firms in providing a range of health insurance, mortgages and financial services solutions to employees of the Civil & Public sector.
No one expects to be involved in an accident, But it can happen within seconds, Shock will set in weather its your fault or a third parties, or simply an own accidental damage claim. Any claim big or small, you can follow these steps to get your claims process started:
INFORMATION TO RECORD AT THE SCENE OF AN ACCIDENT:
NOTIFYING YOUR INSURANCE COMPANY:
Please contact your insurance company as soon as possible. You can contact us Monday to Friday between 09.00am – 17.30pm, and we can help you with the process. In the event that the accident is outside of these hours, You can contact your insurance company directly. Please refer to your policy documentation for contact numbers.
If you are not making a claim, You must still let your insurance company know about the accident, As the third party may attempt to make a claim without your knowledge.
Home Insurance offers you peace of mind protecting your home and belongings against a range of risks such as loss or damage by theft or attempted theft, fire, flood, water damage or subsidence. Policies can be tailored to your individual needs and requirements.
Standard Home Insurance usually consists of Buildings Insurance Cover & Contents Insurance Cover. Buildings insurance provides cover for the structure of the home, domestic outbuildings and permanent fixtures.
Contents insurance provides cover for household goods and personal belongings. You can also avail of optional extra covers, such as, Accidental Damage, All Risk & Personal Possessions, Home Emergency Assist, and More. Contact us today for your Home Insurance Quotation.
There is actually no such term as “Fully Comprehensive Cover”, However it is a commonly used term. Most individuals and policy holders aim to obtain “Fully Comprehensive Cover” as the belief is that you are including every feature and benefit available. A Standard Comprehensive Policy will usually cover all features and benefits of a “Fully” Comprehensive policy. Your adviser will advise you on any optional extras that may not be included and will give you the option to add on any extras not included. Policies usually include no claims bonus protection (Step Back or Full), Windscreen Cover, HomeStart and Roadside Breakdown Assistance and Driving of Other Cars. However this does depend on the selected insurance company and benefits may differ slightly. Call us today for more information.
Personal accident cover is a part of a car insurance policy that compensates you or your family for injuries or death caused by a car accident. If an accident isn’t your fault, the at-fault person’s insurer will pay out for any personal injury claims.
Depending on the situation, You can follow these steps to assist you when making a home insurance:
1. In the event of a Burglary: Contact the Guards as soon as possible, They will give you a crime reference number that you can provide your insurance company.
2. Contact Your Insurance Company to explain what has happened, Provide as much detail and information as possible.
3. Take photographs of the damage, keep and gather any Bill Receipts & Documentation. You may have to provide these to your insurer.
4. If the repairs are not urgent, Get your insurer to approve of same, before you use contractors or pay for any materials. In an Emergency Situation, Insurers are usually understanding, and should Re-Imburse you if you need to make urgent repairs.
NOTIFYING YOUR INSURANCE COMPANY:
Please contact your insurance company as soon as possible. You can contact us Monday to Friday between 09.00am – 17.30pm, and we can help you with the process. In the event that the accident is outside of these hours, You can contact your insurance company directly. Please refer to your policy documentation for contact numbers.
Driving of other cars is a policy extension that allows you to drive someone else’s car, That’s not owned by you, hired or leased to you, or a company car. In most cases this cover is Third Party Only, even if you have comprehensive cover, Your cover for driving another vehicle may still be Third Party Only, Some insurance company’s may offer Comprehensive Driving of other cars. This cover only applies to the Main Driver and not the named drivers of the vehicle. You can find out if you have Driving of other cars on your Certificate of Insurance.
Policyholders and individuals tend to assume Open Drive & Driving of other cars are the same thing. However this is not the case, they are two entirely separate benefits. Open driving usually covers any driver aged 25-70 with a full Irish, UK or EU licence while driving your car with your permission. With open driving there is no need to add named drivers to your policy. Open driving is an optional extra and an additional charge may apply if you want to buy this cover. Driving of other cars is a policy extension that allows you to drive someone else’s car, That’s not owned by you, hired or leased to you, or a company car. In most cases this cover is Third Party Only, even if you have comprehensive cover, Your cover for driving another vehicle may still be Third Party Only, Some insurance company’s may offer Comprehensive Driving of other cars. This cover only applies to the Main Driver and not the named drivers of the vehicle. You can find out if you have Driving of other cars on your Certificate of Insurance.
No Claims Bonus years allow you a discount on your annual premium, In most cases, Years represent a discount, for example: A 1 year no claims bonus can allow a 10% discount, and a 5 Years No Claims Bonus can allow you a 50% or higher depending on the insurance company’s discount scale. Although you may have 10 + or 20 + years No Claims Bonus, we can only allow the maximum discount that the selected insurer will rate on their No Claims Bonus Scale. Call us today for more information.
Accidental Damage is an optional extra on Home Insurance, This cover protects you against any unintentional damage to buildings or contents. Examples would be Accidental Wine Spills or Paint Spills on carpet, A nail through a pipe, Knocking over a TV or putting a foot through a ceiling while in the attic. Your Home Insurance policy schedule will confirm if you have or have not got accidental damage included.
This would be the Amount of money you would need to rebuild your home from scratch. We would recommend using a Handy Tool on The Society of Chartered Surveyor Ireland’s Rebuild Calculator. This will help you calculate the rebuild cost of your home.
If you are travelling, you should consider getting travel insurance. It can cover you against losses such as damaged or delayed luggage, cancelled flights, delayed or missed departure, loss or theft of money or passport, and illness or injury. Many policies include the cost of an emergency return flight if a close relative of yours dies. You may not be able to claim if you have not filled out your medical information truthfully.
A policy excess is the part of a claim that is not paid by the insurance company. For example, a total claim for €2,000 is reduced by a €250 excess and €1,750 is paid out
Social Domestic and Pleasure use Covers personal use of the vehicle and commuting to and from the insured’s permanent place of business provided that no business calls are made on the journey.
Class 1 use is when the car is being used for social domestic and pleasure purposes and for use by the insured & or spouse in connection with his/her business or occupation.
Class 2 use is when the car is being used for social domestic and pleasure purposes and for use by the insured & or spouse in connection with his/her business or occupation which is not covered by class 1 use. The requirements may change depending on the insurance company. Call us today to discuss what cover you may require.
You will find that on the Motor Tax Website, Your insurance broker will not be on the list. Sometimes your insurance company name may not be there either, as it may be the ultimate insurer that are listed. You will find information on your certificate of insurance, or if not, call us at 01 801 5808 and we can help.
To add a driver to your policy, the easiest way is to call us at 01 8015808, Alternatively you can email us the driver details (Name, Date of Birth, Occupation, Licence Type, Country of Licence Issued, Date Licence obtained, and any information regarding claims, convictions, penalty points, medical conditions, disabilities etc) Please note that No Cover is provided until we confirm this with you either over the phone, or via email. This may result in an additional premium.
Changing your vehicle temporarily or permanently will have to be processed with one of our advisers, Call or Email for a call back to change your vehicle. In the event you are changing your vehicle out of hours, Please call us in advance, during business hours to arrange cover for the date & time required.
We are always here to help you with your enquiries, Contact us at query@lfs.ie or alternatively give us a call on 01 801 5808, and we would be more than happy to assist you.
At Lyons Financial Services, we believe that building a solid financial future starts with smart money management. One powerful tool in your financial toolkit is
At Lyons Financial Services, we understand that planning for the future includes considering how your assets will be passed on to your loved ones. One
Impulse buying can wreak havoc on your financial stability. Lyons Financial Services understands the importance of responsible financial management, and we’re here to help you
Get in touch to speak to one of our Qualified Financial Advisors today
Copyright © 2023 Lyons Financial Services