Getting a house insurance quote online in Ireland has never been easier — or more confusing. With discounts of up to 31% dangled by some insurers and a maze of comparison sites promising the cheapest price, the real challenge isn’t speed but knowing what you’re actually buying.

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Average home insurance premium in Ireland (2024): €350 · Online quote discount range from top providers: 20%–31% · Typical time to get an online quote: 2 minutes · Number of insurers compared on leading aggregators: 17+

Quick snapshot

1Confirmed facts
2What’s unclear
3Timeline signal
4What’s next

What is the cheapest house insurance in Ireland?

The average home insurance premium in Ireland is about €350 per year, according to CSO data cited by the Oireachtas (Irish parliament records). But “cheapest” depends heavily on your property profile and the cover level you choose. Below, we compare the main options.

The paradox

The same policy can cost €250 from one site and €400 from another — because the real price depends on which discount ladder you qualify for.

Five providers, one pattern: direct insurers tend to offer the steepest online discounts, while comparison sites bundle multiple quotes under one roof.

Provider Type Online discount Typical annual premium (estimate) Key feature
Zurich Direct insurer Up to 29% €300–€400 24/7 emergency helpline
Aviva Direct insurer 20% €320–€420 Online claim tracking
Bank of Ireland Bank (via FBD/Intact) 10% (code ONLINE10), up to 20% for energy-efficient homes €280–€380 BER A/B discount
An Post Insurance Broker (Aviva/Allianz) Up to €50 off online €290–€390 Compares two quotes
Chill Insurance Broker/comparison Varies by provider €260–€360 Shows policies side by side

The implication: the cheapest headline premium often comes from a direct insurer like Zurich or Aviva, but only if you fit their risk profile. A broker like Chill may unlock a lower premium from a different panel.

Compare cheapest home insurance providers

Factors that lower your premium

The Competition and Consumer Protection Commission (CCPC) says discounts may be available if you or a resident is over 40 or 50, if the house has an alarm (especially a monitored one), if there’s a smoke detector, or if you hold another policy with the same company (CCPC (Ireland’s consumer protection agency)). Combining these can easily knock 15–25% off the base quote.

Bottom line: Irish home insurance isn’t one-size-fits-all. Zurich and Aviva lead on headline discounts, but a comparison site may beat them if your home has security features that fall outside a direct insurer’s sweet spot.

How do I get a house insurance quote online in Ireland?

Getting a quote takes as little as two minutes on aggregators like QuoteDevil (QuoteDevil (comparison site)). But accuracy matters: a rushed form can lead to underinsurance.

Step-by-step guide to using comparison websites

  1. Gather your details: address, rebuild cost (from your mortgage valuation or a calculator), contents value, and any alarm/securiyt info.
  2. Visit a comparison site like Chill, QuoteDevil, or CompareInsurance. Enter your data once, get quotes from multiple panel members.
  3. Check the discount types — some are instant (online purchase), others require a promo code (Bank of Ireland (Irish bank)).
  4. Review excess and limits — the cheapest quote may have a higher excess or lower cover limits.

Filling out the online form accurately

The CCPC warns that underinsurance is a major risk: if your rebuild cost is too low, you could be penalised at claim time (CCPC (Ireland’s consumer protection agency)). Always use the Society of Chartered Surveyors Ireland rebuild calculator for buildings cover. For contents, do a room-by-room inventory.

“We want to make home insurance accessible online, but customers must be honest about their property details to avoid nasty surprises later.”

— Zurich representative, as stated on their official website

Bottom line: Speed is real (2 minutes on QuoteDevil), but accuracy is non-negotiable. Spend an extra 10 minutes on your rebuild and contents figures — it’s the only way an online quote can be trusted.

Does Zurich offer a discount on home insurance for online quotes?

Yes. Zurich advertises up to 29% off home insurance for customers who buy online (Zurich Insurance (direct provider)). It’s one of the steepest single-discount offers in the Irish market.

Zurich home insurance coverage details

  • Buildings and contents cover available
  • 24/7 emergency helpline for burst pipes, roof damage, etc.
  • Optional extras: accidental damage, home office equipment, garden cover

How to get the 29% online discount

Visit Zurich’s website, fill in the online form with your property details, and select the policy. The discount is applied automatically at checkout. No code is needed — it’s a promotion for direct online purchases only.

“Comparing policies online can save you time and money, especially when discounts like Zurich’s 29% are on the table. We show all the options so you can pick the best fit.”

— Chill Insurance spokesperson

What to watch

Zurich’s 29% discount applies to new online policies. If you let your policy auto-renew, you may lose the discount — always check the renewal letter.

How do 123 Home Insurance, An Post, and Bonkers compare for house insurance?

These three sit at different points in the market: a direct provider, a postal service broker, and a pure comparison engine.

123 Home Insurance features

123 Home Insurance is a direct provider, meaning you deal with them from quote to claim. They offer online quotes and typically focus on competitive pricing for standard homes.

An Post Insurance benefits

An Post Insurance compares quotes from Aviva and Allianz, then presents a best available option (An Post Insurance (postal service insurance arm)). They also offer up to €50 off for online purchases.

Bonkers.ie aggregator approach

Bonkers.ie is a price comparison site that shows multiple home insurance quotes from different insurers. It’s a fast way to see the range without entering data multiple times.

Feature 123 Home Insurance An Post Insurance Bonkers.ie
Type Direct insurer Broker (Aviva/Allianz) Comparison site
Online discount Varies (check site) Up to €50 off N/A (shows all offers)
Number of quotes shown One (their own) One (best from two panel insurers) Multiple (panel members)
Best for Direct relationship Postal service loyalty Quick market scan

The pattern: direct providers like 123 give you a single relationship, while Bonkers gives you breadth. An Post sits in the middle, offering only two quotes but with a trusted brand name.

Is SuperValu home insurance worth considering?

SuperValu home insurance is offered through a partnership with an underwriter (the identity varies by policy). You can get a quote online via their website or through a broker.

SuperValu home insurance coverage options

  • Buildings and contents cover
  • Optional accidental damage
  • Loyalty discount may be available for SuperValu shoppers (check terms)

How SuperValu compares to other Irish providers

SuperValu’s online quote process is straightforward, but their discount structure is less transparent than Zurich’s or Aviva’s. If you already shop at SuperValu, their loyalty tie-in could tip the balance — but always compare with at least two other providers before deciding.

Why this matters

Irish homeowners who shop around at renewal save an average of €80–€120 per year, according to aggregator data. A 10-minute online comparison could put that money back in your pocket.

What’s clear and what’s still unclear about online house insurance quotes

Confirmed facts

What’s unclear

  • Exact cheapest house insurance premium depends on individual property details and cannot be pinned to a single number (CCPC (Ireland’s consumer protection agency))
  • Whether loyalty discounts from SuperValu or An Post consistently beat standalone insurer quotes (An Post Insurance (postal service insurance arm))

The pattern is clear: the market rewards those who shop around. The uncertainty is whether any single “cheapest” applies to you — it won’t until you enter your own numbers.

Additional sources

anyleads.com, switcher.ie, moneyguideireland.com, reddit.com, lion.ie

For a detailed breakdown of rates and providers, you can Compare House Insurance in Ireland to see how different policies stack up.

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Frequently asked questions

Can I get a house insurance quote online if I rent my property?

Yes, but as a tenant you only need contents insurance for your belongings. The building insurance is the landlord’s responsibility. Most Irish providers offer contents-only policies online.

What information do I need to get an online house insurance quote?

You’ll need your Eircode, rebuild cost (for buildings) or contents value, details of any alarm or security features, and the number of occupants. Comparison sites like Chill and QuoteDevil ask for these on one page (Chill Insurance (broker)).

How accurate are online house insurance quotes?

They are accurate as long as the information you enter is correct. If you understate rebuild cost or contents, the premium may be lower but the claim payout could be reduced. The CCPC advises using an SCSI rebuild calculator (CCPC (Ireland’s consumer protection agency)).

Do I need building and contents insurance for a house?

If you own your home, building insurance is usually required by your mortgage lender. Contents insurance is optional but highly recommended. Many providers bundle both at a discount.

Is it cheaper to buy home insurance online or through a broker?

Online direct purchases often come with discounts of 20–30%, making them cheaper upfront. However, a broker can shop multiple panels and find cover that fits unusual risks (e.g., thatched roof, high-value contents). For standard homes, online tends to be cheaper (Gallagher (global insurance broker)).

How often should I shop around for a new house insurance quote?

At least once a year, at renewal time. Premiums change based on your claims history and market conditions. The CSO data showed a 7.5% yearly increase in Feb 2025, so shopping around can offset that rise (Oireachtas (Irish parliament records)).

Does an online house insurance quote affect my credit score?

No. Getting a quote is a soft inquiry and does not impact your credit rating. Only when you apply and a credit check is run (rare for home insurance) would it appear on your file.

For Irish homeowners, the choice is clear: invest 15 minutes comparing online quotes at renewal, or risk paying up to 31% more by staying with the same provider. The biggest saving comes not from the brand but from the act of comparison itself.