Home Insurance - Making a Claim
How long does it take for a claim to be settled?
The time it takes to settle a claim depends on the details of your case. Every claim is different, and some take longer than others. But you can help speed things up by:
- Giving us all the information we need when you make your claim
- Staying in touch with your claims handler
- Sending any requested documents as soon as possible
Want to know more? Check out our detailed guide: How long does it take to settle an insurance claim?.
What is a Fraudulent Claim?
A fraudulent claim occurs when someone intentionally omits, misrepresents, alters, or conceals vital information related to a claim to receive payment they would not otherwise be entitled to.
If you suspect someone is making a fraudulent claim, report it to Insurance Confidential at fraud@insuranceireland.eu or through their website.
What do I do if someone is trying to put in a claim against me?
If someone is making a claim against you, do not admit liability or discuss the claim with them. Instead, refer them to our Claims Team and forward any correspondence from the claimant or their insurer to us, ensuring your claim or policy number is included.
If you receive any legal documents, send them to us immediately and unanswered. For more details, see What if someone makes a claim against me?.
How will making a claim impact my policy?
Making a claim affects your policy differently based on your no claims discount protection. Discounts may remain unaffected, reduced by three years, or reset entirely.
See your policy schedule for details, or learn more at: How does making a claim impact my policy?.
How do I make a claim on my Car or Home Insurance policy
To initiate a claim on your Car or Home Insurance policy, contact our Claims Team at 01 290 1999. They are available 24/7 to assist you. After your call, we'll send you a claims form and guide you through the next steps.
Should I make a claim?
Deciding whether to claim depends on your excess, potential impacts on your no claims discount, and future premiums. Excesses differ by policy type and coverage.
To understand these impacts fully before deciding, see Should I make an insurance claim?.
What is a Third Party?
In insurance terms, the “first party” is the insurer, and the “second party” is the policyholder. A third party is anyone else. If someone makes a claim against you or your vehicle, that person is the third party.
For more information on specific insurance-related products, don’t hesitate to contact us.
What is an adjustor?
An adjustor (sometimes called a claims adjustor or loss adjustor) is the person who checks out the details of your insurance claim. They investigate what happened, look at the damage, and figure out how much we should pay based on what your policy covers. Simply put, they help 123.ie settle claims fairly.