Problems with claims

Reasons for disputes

Your claim can be refused for a number of reasons:

what you are claiming for is not covered by your policy
one of the conditions in your policy is not met - for example, you have not reported a theft, burglary or accident to the Gardai
the damage is not covered by a specific risk covered by your policy - for example, it may be caused by wear and tear
your insurer has evidence that you did not fill in your initial application form accurately or truthfully - for example, if you had a pre-existing illness or condition that you did not tell your insurer about
with some policies, a burglary claim may be refused if your alarm is not on and there is no-one in your home at the time of a break-in.

If your claim is refused, your insurance company or broker must write to you to explain the reasons why your claim was refused and give you details of how to appeal the decision.

Making a complaint

If you wish to make a complaint about a firm, follow our complaints procedures, which will help you.