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house insurance claim

  • 28-04-2013 12:39pm
    #1
    CaraMay
    Banned (with Prison Access) Posts: 4,652 ✭✭✭


    I recently lost a ring which was named on my insurance policy.can't figure where it is. If I claim for it does my policy renewal price rocket then? Have never claimed for anything before but have changed companies so the new one would not know my clean history.


Comments

  • #2
    BuffyBot
    Registered Users, Registered Users 2 Posts: 24,924 ✭✭✭✭BuffyBot


    Most likely it will, yes is the short, simple answer.


  • #3
    CaraMay
    Banned (with Prison Access) Posts: 4,652 ✭✭✭CaraMay


    Ok but typically ny how much? 5, 10, 20%? For how long and would it be hard to get a replacement ring insured.?


  • #4
    chinwag
    Registered Users, Registered Users 2 Posts: 428 ✭✭chinwag


    Wouldn't your new insurance company have some details of your claims history (clean in your case) given to them when you applied for the new policy?


  • #5
    delta_bravo
    Registered Users, Registered Users 2 Posts: 4,567 ✭✭✭delta_bravo


    also one thing to consider some companies may not cover you if you have had a claim in the past few years. not sure if it applies to loss of items claims but I know it does in other cases. So that may mean you're tied into that company even if they jack up your price next year.


  • #6
    CaraMay
    Banned (with Prison Access) Posts: 4,652 ✭✭✭CaraMay


    Yeah I know nothing about it all as I have never claimed for anything. Not sure if they would have history and don't know how to find out the procedures.


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  • #7
    MugMugs
    Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    CaraMay wrote: »
    Yeah I know nothing about it all as I have never claimed for anything. Not sure if they would have history and don't know how to find out the procedures.

    If you claim then you're seen as a risk for claiming. As such, your premium will increase for a max of five years. Nobody except an insurer can tell you by how much.
    Insurers use a system called Insurance link in Ireland run by Money Mate to store and gather information on claimants. If you claim from company a and move to b then b can check your claims history.


  • #8
    kkelliher
    Registered Users, Registered Users 2 Posts: 1,583 ✭✭✭kkelliher


    CaraMay wrote: »
    I recently lost a ring which was named on my insurance policy.can't figure where it is. If I claim for it does my policy renewal price rocket then? Have never claimed for anything before but have changed companies so the new one would not know my clean history.

    You will loose your no claims bonus which if you have about 5 plus years of, the. It could be circa 40% of the premium paid. You need to take the value of any claim into account and compare against any premium increase


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