For your claim to be covered under your policy an insured Peril has to occur.
Your policy schedule shows you what insured Perils you are covered for. You can locate your policy schedule in your new business or renewal pack which Allianz will have sent to you. See the following examples on a standard Buildings and Contents policy:
Scenario 1: A storm occurs and damages your roof causing water to leak in. This is covered because “Storm or Flood” is an insured Peril on your policy.
Scenario 2: Water leaks in through your roof as a result of wear and tear.
Wear and tear is not an insured Peril on your policy, therefore there is no cover.
If you’re unsure whether you’re covered you can call our dedicated claims team on 1890 700 121 or +353 1 613 3990.One of our claims handlers can determine if you have cover or appoint a Loss Adjustor to investigate further if necessary.
This depends on the type of policy you have. If you want to know what impact a claim may have on your No Claims Bonus, we suggest you contact us in advance so you can make an informed decision.
No. You’ll only lose your No Claims Bonus if Allianz make a payment on your claim.
You can cancel a claim further down the line without it affecting your No Claims Bonus so long as Allianz have made no settlement payments.
A Loss Adjuster is a property claims expert who is appointed by us to investigate and handle the property claim on our behalf.
If Allianz have appointed a Loss Adjuster then the Loss Adjuster’s office should be in contact with you within 1 working day. Please note this may take longer during busy periods such as severe weather events.
The Loss Adjuster handles everything on Allianz’s behalf; therefore any queries should be directed to the Loss Adjuster. A contact number will be provided at notification. The Loss Adjuster is there to help you so do not hesitate to contact them with any queries.
You do not have to hire a Loss Assessor, but some people choose to hire a Loss Assessor for different reasons. Some because they are too busy to deal directly with us or our Loss Adjuster, or if the claim is very complex. The cost of a Public Loss Assessor is not covered under your policy.
No, generally there are no claim forms used for property claims, but there may be instances where we do require one. For most claims we take all the relevant details over the phone and appoint a Loss Adjuster (if required) to inspect the damage.
An excess is the first amount of any loss that you are responsible for paying in the event of making a claim. This amount is deducted from the total claim settlement figure.
Our standard household excess is €300. However, this may vary depending on the type of loss or type of policy. Please refer to your policy schedule, policy booklet, or contact us directly if you wish to query this amount. You can locate your policy schedule in your new business or renewal pack which Allianz will have sent to you.
No, we recommend you wait for the Loss Adjuster to inspect before any repairs are carried out, otherwise we may not be in a position to pay your claim. The only exception to this is if failure to repair will cause further damage. For example, a leaking pipe should be repaired or replaced straight away to prevent further damage, however we recommend photos of the damage be taken and the old damaged pipe be retained for inspection.
The complexity of the claim will determine how long it takes. In the majority of cases we appoint a Loss Adjuster to meet with you and discuss your claim on our behalf. If that is the case, the adjuster will contact you to arrange a suitable appointment.
We aim to deliver the very highest standards of customer care. If you have a complaint, please contact:
Head of Customer Focus,
Elmpark, Merrion Road, Dublin 4
Please have your policy, quote or claim number available when you call.
Ombudsman Scheme: If your complaint is not resolved to your satisfaction and you remain dissatisfied with our final response to your complaint you can refer your complaint to:
The Financial Services Ombudsman Bureau
Locall: 1890 882090
Tel: +353 1 6620899
Fax: +353 1 6620890
permanent tsb p.l.c. is a Single Agency Intermediary of Allianz p.l.c. for Home Insurance. permanent tsb Home Insurance is underwritten by Allianz p.l.c. permanent tsb p.l.c. is regulated by the Central Bank of Ireland. Allianz p.l.c is regulated by the Central Bank of Ireland.