The first point to make here is that there will be no issue re-instating of the policy to ensure continuity of cover. When a policyholder dies, the insurer will normally need to set up a new policy in the name of the surviving spouse or partner, according to Dermot Goode of

If you have been on the same health insurance plan for the past three years, you could save an average of €500 per year if you switch, according to health insurance guru Dermot Goode, Founder of

“Too many people auto-renew their cover, which means they have no chance of securing better deals at a lower cost. The fact is, this behaviour could be costing them hundreds if not thousands on their cover.”

According to Jonathan Hehir, the Managing Director of, there are several considerations which will significantly impact your premiums, when it comes to changing your van.

These include vehicle specifications, model, and engine size and most importantly the carrying capacity of the van itself. Before making a purchase, work out what size van fits your needs best. There is no point getting a large van, which could add to your insurance costs, if you only need a small van to carry out your work.

A nationwide survey of 1,000 respondents commissioned by Royal London insurance found some are either afraid of what the scales may reveal, aren’t bothered or are worried they may develop an unhealthy obsession with their weight.

However, they could be dangerously burying their heads in the sand, said underwriter Colette Houton.

Dermot Goode of says older people should consider changing elements of their plan in their 50s to ensure quality cover when they retire.

“Firstly, it’s important to recognise that you need to spend €1,250-€1,450 per adult, per year. The days of getting good cover for €800 are over. If you need to upgrade, there’ll be a two-year waiting list for the increased benefits to kick in – so now, while you’re healthy, is the time to start.–38026766.html

Q: I took out one of the basic health insurance plans in April 2015. I am 38 now and am thinking of upgrading my cover. What budget should I be considering to have a good standard of cover in place?

A: A good corporate plan is the recommendation of Dermot Goode of

This is because these plans cover all public and standard private hospitals including limited cover for the high-tech hospitals in Dublin for major cardiac procedures as well.

They tend to have low excesses for private hospital treatment and many of them also include guaranteed refunds on out-patient expenses, with no excess to pay first.

Q: In January I submitted an “escape of oil” claim to my insurer, which has been declined on the basis that my tenant was letting two rooms in the house through Airbnb. I had no knowledge that this was going on. How did the insurer know?

According to Deirdre McCarthy of, Airbnb activity is treated as a commercial interest from an insurance and Revenue perspective. This means the use of the property stands outside the terms and conditions of a standard home insurance contract.

Health insurance expert Dermot Goode of is warning that, of the approximately 100,000 who took out cover for the first time in the months leading up to the introduction of Lifetime Community Rating, half opted for very basic entry level plans. Many people have not moved on from this dated basic cover and he has seen a number of issues arise as a result.

According to Jonathan Hehir, MD of, “Up until now, if an individual with their own business sold their own car so that their business could then provide them with a company electric-car, they had to take out a brand-new insurance policy through the company — with zero no claims bonus. For this reason, the company has negotiated a special discount of between 8% and 12% for electric car drivers, making premiums for electric cars significantly cheaper than petrol or diesel cars.”


For good individual dental cover, Dermot Goode, expert health consultant with, recommends you consider the One Scheme Level 3. “With all these providers, it is recommended that you contact them directly to discuss your requirements and they will recommend the most appropriate plan to suit your needs.”