Please click on the headings below to find related information.
What cover will I have on my policy?
When you become a customer of www.insuremyhouse.ie the policy schedule & booklet that is issued to you by email/post outlines the cover you have on your policy.
What documents need to be returned?
The signed proposal form/statement of Fact & statement of suitability.
If paying your policy on instalments we need the direct debit mandate returned within 7 days.
If you have cover for any specified items a valuation may need to be returned to us.
What is a policy schedule?
This is proof of your insurance; it outlines the cover you have in place. You must keep this for your own records.
What is a letter of indemnity?
This is a letter which shows your mortgage provider’s interest on the property, this needs to be forwarded to your mortgage provider to show proof the property is insured.
What is a policy excess?
Policy excess is the amount you will have to incur yourself if you have a claim. Your policy excess is noted on your schedule.
When will my monthly instalments come out?
Once the direct debit mandate is returned to us we will set up the instalments & your insurer will send you a schedule of payment amounts & when they will approach your account for the funds. It is usually the following month the first instalment will be collected, for example if you took out your policy on the 20th March your first instalment would go out on the 20th April or nearest working day.
What is accidental damage?
This covers you for any accidents you cause yourself within the home, for example if you were doing up a room & knocked a tin of paint down your stairs it would cover the damage or if your television fell from a bracket on the wall. You can have cover for accidental damage on buildings and or contents. Usually there is an additional premium for this cover.
Who do I call to report a claim on my policy or in the event of an emergency?
If you want to report a claim or you have an emergency please refer to the helpline numbers in your policy booklet.
How should I calculate the rebuild value of my house?
The rebuild value you should insure is the cost of rebuilding your home from the ground up and not the market value of your property if you were to sell your home. When calculating this you should include any permanent fittings such as your fitted kitchen/bathroom, your garage & any gates/fences. We would recommend you refer to the Society of Chartered Surveyors’ guidelines when calculating the rebuild value www.scsi.ie
How should I calculate the value of the contents in my house?
Contents are any items you can remove from your home if you were to move out. This would include items such as furniture, bed linen, appliances, clothing and personal effects. It is important not to underinsure your contents as you may not receive the full cost of replacing any lost or damaged contents.
I have a Complaint
If you feel that there is something that doesn’t meet your satisfaction, we are happy to do whatever we can to resolve the situation. We have a dedicated team of experts who want to help you, or ask to speak to one of our supervisors.
If you are still not satisfied after speaking with someone on the team, please see the below procedure to lodge your complaint:
- On receipt of a complaint a written acknowledgement of the complaint will be sent to you, our client, not later than five working days of the complaint being received by the firm.
- You will be provided with the name of the individual in the firm appointed to deal with your complaint.
- You will be provided with written updates on the progress of the investigation of your complaint every 20 working days.
- Your complaint will be actively investigated and a comprehensive response is sent to you not later than 40 business days of receipt of the original complaint.
- Where your complaint has not been resolved we will inform you of the anticipated time-frame within which we hope to resolve your complaint, where possible. We will also advise you our client of your right to refer the matter to the Financial Services Ombudsman.
- Where your complaint relates to one of the Insurance Company’s/Product Producers with whom business has been placed by us on your behalf, we will forward the complaint to the Insurance Company/Product Producer involved. However, we will ensure that the Insurance Company/Product Producer deals with the complaint until a satisfactory conclusion is reached.
- When the complaint has been fully investigated a summary letter will be issued to you within five working days of completion of the investigation.
- Where it has not proved possible to resolve your complaint and you remain dissatisfied with the outcome and the firm believes it cannot make any further progress on the matter, we will advise you of this.
- Should you wish to refer your complaint to the Financial Services Ombudsman, our Compliance Officer will issue you with a formal ‘final response’ letter within a maximum time frame of 25 days of receipt of official notification of the request.
- We will advise you that you are entitled to refer your complaint to the
Financial Services Ombudsman’s Bureau,
Tel. 1890 – 88 20 90
Please click HERE for our Terms of Business.