Home insurance - Claims and emergencies

• How do I report an insurance claim?

  You can report an insurance claim through your MyAXA account.
  To register for MyAXA, you'll need your policy number, email address and date of birth.

  If you don't have a MyAXA Account, you can still report your claim online. Simply visit report a claim.

  You can also call us on 0818 7 365 24 to speak to one of the team or on 00353 1 858 3200 if you are calling from outside Ireland. Our claims helpline is open 24/7 for emergency calls.

  Our dedicated team will take your details and do their best to settle the claim as soon as possible.

• What is Underinsurance?

  Underinsurance is the situation that exists when the amount of insurance a homeowner has on a property is no longer sufficient to pay the costs of a claim that arises on that property. The impact of inflation means that the value of the insurance cover is worth less in real terms than would have been the case some years ago.

  Underinsurance Examples

  Your home is insured for €300,000 but the full cost to rebuild the property is €400,000. This means that the home is underinsured by €100,000 or 25%. As a result, your claim would be reduced by 25%.

  Example 1 - Partial Loss Claim

  • Partial damage occurs to the home and the cost to repair the damage is €100,000.
  • A deduction of 25% (€25,000) is made from the cost of repairs.
  • Therefore, the most you will receive is a payment of €75,000. You would need to fund the balance of €25,000 yourself.

  Example 2 - Total Loss Claim

  • Damage occurs to the home, and it requires a complete rebuild.
  • As the home has been insured for €300,000 this is the maximum payment that can be made.
  • You would need to fund the balance of €100,000 yourself.

  Please note: other settlement factors such as the policy excess are not considered in the examples above.

  Read more about Underinsurance.

• Will my Home Insurance premium be affected if I make a claim?

  Making a claim on your Home Insurance can be a daunting task and can often become a stressful situation, particularly surrounding your next insurance premium and how the cost may increase.

  If you have consecutive, claim-free periods of home insurance with us, we'll reduce your premium at your next renewal date in line with our discount scale.

  If you have a claim during your insurance year, your no-claims discount will reduce to 0%.

  You can report a Home Insurance claim, or call us on 0818 7 365 24.

• Can someone else discuss my claim on my behalf?

  We won't discuss your claim with anyone else without your permission.

  To give another person permission to discuss your claim on your behalf, please call us on 0818 7 365 24 and one of the team can help you.

• Am I covered if I lose property outside of my home?

  You can add cover for loss or damage to personal belongings that you usually bring outside of your home, like your watch, camera or laptop.

  Your schedule will show if you have this cover. You can download and print your schedule from your MyAXA Account.

  To get personal belongings cover added to your home insurance, call us on 0818 7 365 24 or drop into your local branch.