Allianz Northern Ireland Blog

Allianz Announce Sponsorship of North Down Women’s Rugby

Allianz are delighted to announce our sponsorship of North Down Women’s Rugby as they begin their journey as a newly formed team in the Ulster Rugby Women's Development League.

The newly formed North Down Women’s Rugby is an amalgamation of 3 teams from Ards, Bangor and Donaghdee and seeks to promote women’s Rugby in the North Down and Ards area.

Allianz’s support of sport in Northern Ireland also includes Allianz Football & Hurling Leagues, Allianz Cumann na mBunscol and sponsorship of Paralympic athletes Jason Smyth and Michael McKillop.

Damien O’Neill, Head of Marketing said:

We are delighted to support the women and m...

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Indemnity – a simple concept?

Let’s start with a simple statement:

In accepting and dealing with your claim, your insurance company aims to restore you to the same financial position as you were in beforehand. This is known as the principle of Indemnity.

Let’s look at 2 simple examples of Indemnity in Motor and Home Insurance:

Motor

Where your motor insurance company accepts a claim for damage to your car they will either arrange for it to be repaired or, if it is deemed uneconomical to repair, they will make you a cash offer based on the cars’ current market value. Market value is the amount that you would reasonably pay for the car at the relevant t...

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Upcoming Prize Giveaway Announcement

At Allianz we love giveaways, so we have decided to team up with some of Northern Irelands top attractions and giveaway prizes to our lucky followers. These prizes will be given away on our Facebook and Twitter pages in the coming months.

To give you a sneak peak of the up coming prize draws we have to offer in the next few months we will be giving away the following prizes;

July: Two £300 Vouchers for Victoria Square Shopping Centre

August: Three pairs of tickets to the Game of Throne Experience by McComb’s Coach Travel

September: A £500 voucher for a stay in Finn Lough Bubble Domes

November: Four family passes for the Ti...

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Bank Holiday Driving Survival Guide

Woohoo, it’s the Spring bank holiday weekend! Bank holidays are a great excuse to hit the road and take a break from the norm, and many of us in Northern Ireland do just that. We pack the car with all our things and the people we love and head off looking for adventure. But as fun as a three-day-weekend is, the problem for most is that everybody seems to get in their vehicles and leave at the same time. That means, from early afternoon on the Friday before a bank holiday there is a mass exodus and the roads become congested very quickly.

But just because everybody has the same bank holiday plans as you, and seemingly t...

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Why Do Insurers Investigate the Cause of Claims?

Insurers must determine if the cause of loss or damage is covered by the insurance policy, this is referred to as Proximate Cause. Insurance policies cover specified perils and benefits. Also they are subject to conditions (which are rules that insurers expect Customers to follow in order for policy cover to apply); and exclusions (circumstances under which cover does not apply).

When considering the cause of loss or damage the insurer is concerned with the Proximate Cause. In many cases this will be obvious. For example, I once struck a gatepost while reversing my car into a driveway. The damage to my car was caused a...

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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...

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