Tips for submitting an insurance claim in Ireland

Submitting an insurance claim in Ireland can feel daunting, especially if it’s your first time. Whether it’s a burst pipe, car damage, or stolen items, understanding the process and knowing what to do can help you settle your claim faster and more fairly.

Couple submitting an insurance claim in Ireland for a bathroom leak.

Keep Proof of Ownership and Receipts

Keeping receipts, serial numbers, and photographs of valuable items helps support your claim. Store copies of this information in a secure location away from home to prevent loss in the event of fire or theft.

Always Be Honest and Accurate

Always provide correct details when taking out your policy and when making a claim. Misleading information or inflated claims can lead to delays or refusal of payment.

Think Before Submitting Small Claims

If the cost of repairs or replacement is only slightly above your excess, it may be better to pay for it yourself. Submitting smaller claims can sometimes affect your no claims bonus or increase future premiums.

What to Do If You Disagree with an Insurer’s Decision

If you believe your insurer has handled your claim unfairly, you can contact the Financial Services and Pensions Ombudsman (FSPO) for independent advice and resolution.

Learn More About the Insurance Claim Process

You can find more practical guidance on the Competition and Consumer Protection Commission (CCPC) website.

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If your renewal is coming up or you’re switching providers, we can help. Call us on 042 935 9090 or get an online quote for car insurance, home insurance, and travel insurance today.

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