Claims

Here for you when it really matters

We understand that you need us most when things go wrong. It's why we're committed to making the claims process as quick and easy as possible.

To assist us with this, please call us as soon as possible regarding any claim type on 1800 600 400. If there has been an incident which may give rise to a claim then one of our friendly Claims Advisors based in Dublin will guide you through the claims process.

You can also call this number to discuss any queries you may have regarding your existing claim.

Operating hours

For claims:

09.00am - 17.30pm, Mon-Fri

1800 600 400

For Emergency Assistance:

24 Hours a day, 7 days a week

1800 600 400

Operating hours

For claims:

09.00am - 17.30pm, Mon-Fri

1800 600 400

For Emergency Assistance:

24 Hours a day, 7 days a week

1800 600 400

Motor Claims

Accidental damage, fire or theft

If your vehicle, any named drivers or you have been involved in an accident, please contact our offices without delay to report the incident to us.

*Please remember, if you have a motor policy, as per your schedule, you are required to report a claim as soon as possible. Should you report an accident claim involving a third-party more than 48 hours after the incident, your excess may be increased.

Accidents abroad

If you have had an accident abroad, you should contact our claims advisors on +353 15126200 for assistance.

You can also find a list of our international representatives here.

Windscreens

Where you have suffered windscreen or other car window damage, please contact our claims team to discuss setting up a claim and your options, including using our approved repairer.

All our Comprehensive Car Policies include windscreen cover. An excess might apply depending on your choice during the sales process.

*Please note, a windscreen repair instead of replacement has no effect on your OUTbonus.

Roadside assistance

If your vehicle has broken down and you have the breakdown assistance benefit on your policy, you can call us 24 hours a day, 7 days a week to arrange a recovery to the nearest garage capable of repairs or your garage, whichever is closer.

Home claims

Where you have suffered a home emergency and would like to discuss the options available to you, please contact our home emergency team.

When something goes wrong in your home, we are here to resolve your claim as soon as possible. If you need to take emergency action to prevent further loss in your home, please do so, but ensure all evidence and damaged items are kept for our review, so we may validate your claim.

If you need to call us from abroad about a home claim or emergency, you can call us on +353 151 26200

Frequently asked questions

Motor Claim FAQs

What to do when you have been involved in an accident?

Do:

Contact our claims team on 1800 600 400 within 48 hours but where possible, straight away.
If it is possible and safe to do so, take photos of all damage and photos of vehicles at the scene and prior to being moved where possible.
Get the registration and insurance details of any other vehicle involved.
Obtain the contact details of any independent witnesses who can assist us with validating your claim.
Report the incident to the Gardai or local law enforcement if outside of the Republic of Ireland.

Do not:

Admit liability for the accident
Leave the scene of the accident if the Gardaí have been called and are on the way or local law enforcement where abroad.
Repair your vehicle before you have reported the incident to us.

What if I am involved in a motor incident with an uninsured driver, unidentified driver or foreign registered vehicle?

If you believe you may have involved in a motor accident with an uninsured driver, unidentified or foreign registered vehicle, please notify us as soon as possible. You may be entitled to claim from the Motor Insurance Bureau of Ireland (MIBI) for part or all of your claim, To register a claim with the Motor Insurance Bureau of Ireland (MIBI) or to find more information, you can visit their website www.mibi.ie

You should also contact the Gardai or local law enforcement as soon as possible if you have reason to believe you have been involved in a motor incident with an uninsured driver.

Home Claim FAQs

Escape of water

Where water is escaping from or in your home, if you can locate your stop tap, you should turn it off immediately. If you cannot locate the stop tap or cannot turn it off, you should contact our emergency home assistance team on 1800 600 400 immediately, who can provide assistance.

Subsidence

Please contact OUTsurance straight away if you have a subsidence claim. To ensure you don't affect your claim rights, please do not carry out any work before OUTsurance provides approval and note that fees of experts or contractors appointed without prior approval will not be covered.

General FAQs

What is an excess?

An insurance excess refers to the amount of money that you, as the policyholder, agree to pay towards the cost of a claim. For example, where a claim has a total cost of €1000 and your excess is €250, you will pay the excess and your insurer will pay €750.

This is a standard practice in insurance and is designed to share the financial responsibility between you and your insurer.

For details on the excesses applicable under your policy, please refer to your schedule.

What do I do when there has been an incident?

To assist us with validating your claim, please take as many photos as possible and retain all damaged property so that we can inspect.

If your claim involves a third party, please ensure you exchange details with them so we can communicate with them on your behalf.

What is home insurance?

Home Insurance is an insurance policy that can offer cover for your home & contents. Taking out a policy can help save you money in the long run as it ensures you won’t have to pay out of pocket for damages or stolen contents.

When should you call us?

If you have suffered any loss which may be covered by this policy, you must call us to notify the incident. Should you decide you do not wish to claim, and no payments are made on your policy, there will be no effect on your OUTbonus

Furthermore, if you have any queries regarding your policy, claims or potential claims, do not hesitate to contact one of our advisors who will be more than happy to answer your call.

Why do I need car insurance?

A car is a significant purchase. If something goes wrong or you're involved in an accident, repairs can prove expensive – especially if there’s another car involved.

Secondly, by law you must have at least Third-Party Cover in Ireland. Driving without insurance is an offence and can result in fines, penalty points and a mandatory court appearance. In some cases, you could even be sent to prison or disqualified from driving.

OUTbonus FAQs

What is the OUTbonus?

For information on our OUTbonus, please click here.

When is my OUTbonus affected?

Where you have had a claim on your policy you will forfeit your OUTbonus, except in the below scenarios:

Home:

Home Emergency Assistance

Motor:

Roadside assistance
Windscreen claims where the windscreen is repaired rather than replaced.
Where OUTsurance has paid your claim but successfully recovered all claim payments