Home and contents insurance
Ireland’s leading specialist in high net worth home insurance
The biggest mistake people make with home insurance is assuming that insurance is a commodity, and all policies are essentially the same.
At DUAL, we prove otherwise, by writing policies that avoid onerous clauses in favour of broad wordings that offer genuine protection and comfort to your clients.
Broad policy wordings that offer genuine peace of mind
Most insurance contracts are written to have an element of room for manoeuvre on what is actually covered. Grey areas are not unusual.
At DUAL, we provide all risks cover with broad, tailored wordings that provide comprehensive protection, so you can be confident that the wording will benefit your client in the event of a claim.
This way, claims have a greatly improved chance of being paid promptly.
Enhanced coverage for high net worth home and contents
When you recommend a DUAL policy, you have the comfort of knowing that your client is covered by one of the most comprehensive policies in the market.
As such, we provide ‘all risk’ cover with generous inner limits for scenarios where other insurers may only offer policies with standard market terms. Such policies commonly feature many more restrictions.
We have two policy wordings that offer superior coverage to that available on the open market: Aqua, and Private Client.
What DUAL policies cover
DUAL policies offer far greater coverage than standard market offerings.
Our Aqua product offers coverage for:
- Trace and access
- Professional fees
- Loss of rent
- Alternative accommodation
- Garden and landscaping
- Construction materials for building works
- Public liability, including domestic employees
- Credit card forgery
- Fine art
- Newly acquired items
- Family legal issues (as specified in the policy schedule).
Our Private Client product has higher limits for much of the above, and additionally coverage for:
- Water leak detection installation
- Disability alterations
- Green rebuilding cover
- Security upgrade after aggravated breaking and entering
- Fallen trees removal
- Memorial plaques and stones
- Relatives in care contents
- Event cancellation
- Collection items on out on loan (for example to galleries or exhibitions)
- Golf hole in one cover.
Underwriters you can talk to
With DUAL, you can actually speak to the decision makers who are responsible for underwriting your risk. Our friendly, Dublin-based underwriters are on hand to help you and are always happy to discuss a case. We understand the time pressures you are often under, so we do our best to respond quickly and provide a seamless service.
At DUAL, people make decisions, not computers.
Our specialist underwriters are experts in their fields, so we are confident we can help with any query you may have.
Working with brokers and agents all over Ireland
At DUAL, we have no annual target that our brokers have to hit.
This means we are happy to do business with brokers of all sizes – and we provide the same excellent service level to everyone.
Our claims service
As well as designing policies to make claims pay-outs as quickly and reliable as possible, we endeavour to make the whole claims experience smooth and stress-free for you.
Backed by Aviva
DUAL Ireland is a Managing General Agent for Aviva. This means we have the remit to write our own polices and manage our own book, all underpinned by the A+ Rated capacity and claims service from Aviva.