Should you have been unlucky enough to have had your home broken in, you will need to make a theft insurance claim, due to the fact that there are numerous inner conditions stipulated within your policy, getting the right advice will be critical to the success of your claim.
What do you need to do?
- Contact your local Garda Station immediately without delay.
- Contact a Loss Assessor first due to,
Your insurance policy may not cover if the following apply,
- Where the Home has been Unoccupied for more than 30 consecutive days immediately prior to the loss or damage.
- When any part of the Home is Tenanted, lent, let or sub-let or where accommodating paying guests unless involving entry by forcible and violent means.
- A Theft caused by You or any members of Your Household or any other person lawfully at Your Home.
- Which is not reported to the Gardaí or Police within 24 hours of discovery of such theft or attempted theft.
- While the Home is Unfurnished.
- Loss by theft or attempted theft from any unattended vehicle
- Unless all windows, including sunroof, and doors are securely locked
- Unless, in the case of a convertible vehicle, the roof is securely locked
- Unless the property is completely concealed within a closed compartment or locked boot
- The maximum amount payable in respect of any one article or item is generally between 5% and 10% of the Contents sum insured.
- The maximum amount payable in respect of the total of all High Value Items at the Home is generally between 33% and 50% of the Contents sum insured.
- Home office equipment, being personal computers, printers, facsimile machines, telephone answering machines and the like, is included in the Contents Sum Insured and limited to a maximum of €4,000 in respect of any one claim.
There are several other areas within your insurance policy that a good loss assessor can advise you on, contact us today regarding your theft insurance claim.