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Life Insurance

  • 23-04-2014 1:25pm
    #1
    dar100
    Registered Users, Registered Users 2 Posts: 1,735 ✭✭✭


    Hi Peeps,

    Buying a house and need life insurance, does this need to be specific for a Mortgage, or just general insurance. Also, any feedback on the best rates around???

    I'm buying a property and the agreed price has been 98000, can anyone tell me what to expect in fee's, i.e stamp duty, solicitor, land reg etc.

    I got a quote for 922.00 including vat, for professional fees

    P.S how much is the norm for a valuation of a property??


Comments

  • #2
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,757 Mod ✭✭✭✭Henry Ford III


    The minimum you are required to give your lender is mortgage protection - which is a term life policy with a reducing sum assured and fixed premiums.

    Go to an independent broker for the best rates.


  • #3
    Trish56
    Registered Users, Registered Users 2 Posts: 1,256 ✭✭✭Trish56


    Valuers fee is approx. €130/€150, Stamp duty is 1% of the purchase price. Professional fee seems good value. Land registry will be €600 and on mortgage €175, folio and searches approx. €150.

    Lender will require a mortgage protection policy to cover the mortgage and term and you will also have to note their interest on your buildings insurance policy and provide them with a letter of Indemnity.
    Broker will give you the best price and Zurich are offering a discount on protection premiums at the moment.


  • #4
    dar100
    Registered Users, Registered Users 2 Posts: 1,735 ✭✭✭dar100


    All in including Stamp Duty, I'm been quoted 2900, how these this sound???


  • #5
    Trish56
    Registered Users, Registered Users 2 Posts: 1,256 ✭✭✭Trish56


    That sounds about right for legal and stamp duty. Best of luck.


  • #6
    Cork Lass
    Registered Users, Registered Users 2 Posts: 6,896 ✭✭✭Cork Lass


    Sorry to drag up an old thread. Does anyone know if there is an end of term payout on Aviva Life Security Mastercover. I have lost my documents and am not sure if I am due a pay out. I will give them a ring over the next few days but someone on here may have the answer.


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  • #7
    The_Morrigan
    Registered Users, Registered Users 2 Posts: 9,368 ✭✭✭The_Morrigan


    Try the banking, insurance and pensions forum.
    http://www.boards.ie/vbulletin/forumdisplay.php?f=544


This discussion has been closed.
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