Allianz Northern Ireland Blog

What is Insurable Interest?

The purpose of insurance is to return you to the same financial position after a loss as you were in before the loss occurred.

Therefore if you will not suffer financially from the loss of or damage to property (a car or an item in your home) then you cannot insure that property. To put this another way, you must have an insurable interest in the property you propose to insure.

It is obvious that if you own something, having paid for it, then you have an insurable interest in it. If someone steals your bicycle you will suffer financially from that loss.

In a lot of cases ownership isn’t just as clear cut as this. What if...

Read more

Interesting Facts of Home Insurance

Home insurance in some form has been around for nearly 350 years. Historically, Home Insurance started out by only protecting against the risk of fire. In the 18th and 19th centuries your house would have had a metal plaque called a “fire mark” hanging in a prominent place outside the house. This fire mark stated which insurance company insured the house.

Home insurance at the time was for the rich and not affordable for everybody. Each insurance company had their own fire fighters and the fire mark was to let fire fighters know who insured the house. If the fire fighters turned up and it was not insured by their compa...

Read more

Glossary of Terms

At Allianz, we realise that insurance can sometimes be complicated. This is why we've created this Glossary of Terms where insurance terminology is simplified and explained for you.

Principles of Insurance

Your policy of insurance is a contract. You pay the agreed premium. In return your insurer provides the insurance cover for a defined period of time.

The Principles of Insurance are basic rules which apply to insurance contracts. They include the following:

Utmost Good FaithA contract of insurance requires that both the policyholder and the insurer are honest with each other and that they hide no information of relevanc...

Read more

Driving in Ice and Snow

With the cold weather approaching there is likely to be ice and snow over the coming days. This can be very dangerous for road users. Driving in these conditions is hazardous, even for the most experienced drivers among us. Visibility is affected and cars can become difficult to control. Here are some tips to ensure for a safe trip while tackling ice or snow on the roads.

Make sure Your Car is Prepared

It is good practice to remember that your journey begins before you start the car. There are a couple of necessary checks all motorists should carry out. Firstly, it is crucial that window wipers are fully functional, bot...

Read more

2018 Allianz Risk Barometer

Business interruption and cyber incidents dominate risk landscape for companies of all sizes and sectors in 2018.

Top Risks in 2018

They take aim at the backbone of the connected economy and, when they strike, can jeopardize the success, and even the existence, of companies of every size and sector. Business interruption (#1 risk according to 42% of respondents) and cyber incidents (#2 risk according to 40% of respondents) are now considered the top global risks facing businesses this year according to the Allianz Risk Barometer 2018. The 2018 report is based on the insights of 1,911 risk exp...

Read more

Arís Celebration Choir

In April 2016, the Presentation School Choir Kilkenny wowed the judges and received standing ovations for its performances on Britain's Got Talent. Since then, the all-female ensemble, under the direction of internationally renowned Veronica McCarron, has reformed to become Arís Celebration Choir and is currently working on its first album - all with the support of Allianz.

We commissioned Arís to sing 'Go the Distance' from the Disney film 'Hercules' for our latest 30-second TV ad featuring blind athlete Sinéad Kane. The music will be used for two additional ads. The choir has made this song its own and a four-minute ...

Read more

Contact us

Call centre opening hours:
Mo-Fr: 8am-6pm | Sa: 9am-1pm