Should I make a claim?

As your insurance company, we cannot influence you on whether or not you make a claim but we are happy to give you information to help you make your decision.

If you choose to proceed with a claim there are certain factors that you should take into account

1. The excess is the first amount of any claim that you have to pay yourself. If there is a claim on your policy the payment that the insurance company makes will have the policy excess deducted. The excess on your policy will be different depending on the level of cover on your policy.
   • Comprehensive - €300
   • Third Party, Fire & Theft - €300
2. Your no claims discount may also be affected if you choose to make a claim. You can find full details of how a claim will affect your no claims discount here.
3. There may be an additional premium applied at your renewal depending on claims history.

1. The excess is the first amount of any claim that you have to pay yourself. When setting up your policy you would have chosen an excess of €250, €500 or €1000. This will be deducted from the claim amount. There are some sections of the policy that have different excesses. These are outlined fully in your policy pack which was issued to you when you purchased or renewed your policy.  Our current policy booklet can be found  here.
2. Your no claims discount will be affected if you choose to make a claim. There is no option to protect your no claims discount on home insurance so regardless of the amount of the claim this will be reduced to 0 at your next renewal.
3. There may be an additional premium applied at your renewal depending on claims history.

1. The excess is the first amount of any claim that you have to pay yourself. If there is a claim on your policy, the policy excess will be deducted from the amount that the insurance company pays out.
2. The excess on your policy will depend on the type of claim you are making. Details of the excess amount applicable can be found in your policy pack which we issued to you when you purchased or renewed your policy.

Our current policy booklet can be found here.