Accidental Damage Cover
Enjoy peace of mind with protection for both your buildings and contents against unexpected damage. From everyday mishaps to major incidents, you’re covered when it matters most
We offer exceptional cover and fantastic benefits for all ESB Employees, Retired Employees & their Spouses/Partners! For more information about ESB Home Insurance, simply call our friendly team today. Alternatively, you can email esbinsurance@cornmarket.ie.
What’s more, we can also offer you a top of the range policy with fantastic benefits on your Car insurance.
ESB Home Insurance provides cover for the following*
Enjoy peace of mind with protection for both your buildings and contents against unexpected damage. From everyday mishaps to major incidents, you’re covered when it matters most
Protect yourself financially if someone is injured or their property is damaged. You’re covered for up to €3,000,000 in liability claims.
If there’s a hidden leak, we’ll cover the cost of locating and repairing it. This includes up to €2,000 for trace and access work.
Items kept within your property boundaries are protected against loss or damage. Cover applies up to €1,000.
*For full details of cover please refer to our policy documents in our main ESB page. Terms, Conditions, Exclusions apply.
If your home becomes uninhabitable, we’ll help cover the cost of alternative accommodation. Cover extends up to 20% of your buildings sum insured and 50% of your contents sum insured.
If emergency services are needed, we’ll cover fire brigade charges up to €5,000. One less thing to worry about in a stressful situation.
If your cards are lost or stolen, you’re covered for unauthorised use up to €2,500. Extra protection for everyday life.
We cover the cost of repairing your garden after damage, including landscaping and plants up to €2,000. Garden furniture, ornaments, and children’s outdoor items are covered up to €3,000.
Lost or stolen keys? We’ll cover the cost of replacing and fitting new external locks up to €1,000 for added security
We hope it never happens, but in the event that you need to make a claim, simply contact the ESB Insurance Scheme on (01) 702 6699 or Allianz Claims on (01) 613 3990.
An excess is the amount you must pay as part of the claim settlement. This amount will be shown on your Schedule and is deducted from your total claim.
What excess do I pay in the event of a claim?
A No Claims Bonus is a premium reduction that can apply to an insurance policy, whereby the amount of that premium reduction depends on the claims history. Any claim you make on or after your renewal date may impact your premium at the following renewal. Most types of claims will impact on your NCB and therefore your premium at next renewal.
The maximum No Claims Bonus is three (3) years. If you encounter a loss for which you intend to claim, we recommend that you contact the ESB Insurance Team prior to making the claim so that we can help you to understand the potential implications of doing so.
Note: If you have to arrange for a contractor to carry out emergency work, please keep the repair account which we will need to see.
If the damaged item can be cleaned or repaired or if no immediate repairs are necessary, unless otherwise agreed by Allianz p.l.c, then please do the following:
Please do not dispose of damaged items before Allianz p.l.c. have had an opportunity to inspect them.
Report any incident involving loss, stealing, malicious damage or hit and run damage to the Gardaí.
If someone is making a claim against you or any of your household for any injury to them or damage to their property:
For the most Frequently Asked Questions about ESB Home Insurance:
Click here**Terms & Conditions: You will be entered into the draw when you get a car, home & health insurance quote with Cornmarket, between 01.03.26 & 31.12.26. You can opt out of the draw by contacting us before the draw deadline date by emailing dataprotection@cornmarket.ie. The prize draw is open to persons aged 18 and over who are ROI residents. Only one entry allowed per person. A winner will be drawn at random by an independent adjudicator on 10.01.27 and will be informed by email or phone within 3 working days of the draw. If the winner can not be contacted within 2 weeks, we will select another winner at random. The winner’s details will be available upon request. The promoter’s, Cornmarket Group Financial Services Ltd.'s decision is final, and no correspondence will be entered into. The promoter, reserves the right to alter, amend and foreclose the promotion without prior notice. There will be one winner of the break to Center Parcs. There is no cash alternative for the hotel break. Allianz p.l.c. is regulated by the Central Bank of Ireland.