Allianz home insurance

u_c_thesecond

I posted this thread recently http://www.boards.ie/vbulletin/showthread.php?p=71548071

After a pretty long dely with getting the details from the plumber Allianz recieved the details last Friday. I rang to confirm and they do have them. Can anyone give me a general idea of how long ill be waiting for an answer?

Its just they say i cant start any work without their consent and i havnt had my shower for nearly 2 weeks

u_c_thesecond

anyone???

Keith C

without sounding too smart, if you can post on boards, surely you can check Allianz website

http://www.allianz.ie/Home-Insurance/Claims/

Who To Contact In The Event Of A Claim:
In the event of loss or damage to your home or home contents please contact the claims customer service team on 1890 77 99 99 immediately.
You will be asked to provide us with your policy number and also details of your loss.
We will then register your claim and provide you with a reference number and the name of the claims handler who will look after your claim.
You may be asked to obtain an estimate for the repairs or replacements required. You will need to obtain written confirmation of the cause of damage from a contractor.
Please do not obtain an estimate or report without our approval as this cost is not covered by your policy.An estimate or report may not be necessary for your claim. As part of our claims service we may, at our option, arrange for a repairer to carry out any necessary repair works to your home, or to provide a replacement for your damaged home content. If we wish to do so we will advise you of this prior to a repairer inspecting your property.
We may need to send a representative to your home to inspect the damage on our behalf.
Please note that you must not proceed with repairs (other than emergency repairs to limit any damage) without our approval.Please do not dispose of any damaged articles before we have had an opportunity of examining them ourselves, or without our approval.
You should report any losses involving theft or malicious damage to the Gardai immediately.
Using Our Emergency Helpline
One of the great benefits of being an Allianz Direct Policyholder is that you may use our Emergency Helpline.

Our Emergency Helpline provides you with quick access to top quality trades people and repairers who will provide you with assistance in the event of an Emergency which has caused loss or damage to your home.

Examples of damage include damage to your::

Roof
Plumbing And Drainage Systems
Central Heating Systems
Domestic Gas Or Electricity Supply (where there is complete failure)
External Locks, Doors And Windows
Perhaps you have come home late at night, in the dead of Winter, to find that your pipes have burst and your house is flooded. Perhaps your front door has been smashed by a burglar. What do you do ? Simply call the Emergency Helpline Number 1890 77 99 99 and we will attempt to provide you with immediate assistance.

Who To Contact:
Broken Windows/Glass - Phone 1890 779999 Outside Office Hours - Phone 1890 253056
"One of the great benefits of having your home insured with Allianz is that you can now avail of our new Nationwide glass replacement service called Glasscare. Our top quality glaziers will replace your damaged glass and Allianz will pay the glazier directly.

You are responsible for the payment of the Policy Excess to the repairer. Please notify Allianz Claims Department immediately of your claim and we will organise a glazier for you within 24hours to carry out the repairs".

Important
We will indemnify you by payment or, at our option, by reinstatement, replacement or repair for loss or damage by any of the insured perils listed in your policy document, to the premises and/or contents, subject to the terms, limitations, exceptions and exclusions set out in the policy.

You are responsible for the payment of the Emergency call out charges at the time of completion of the Emergency repairs. If covered Allianz Direct will repay costs associated with the claim excluding the Emergency call out charges. The purpose of this service is for carrying out Emergency repairs until such time the claim has been reported to us.

Allianz Direct and our assistance partner do not accept responsibility for any expense, consequential loss, legal liability or loss of or damage to any property or persons arising from the provision of or any delay or omission in providing services.

What Is Included In Buildings Cover, And What Is Included As Contents?
As a general guideline, Buildings include:

The structure of your home
Built in wardrobes
Fitted kitchens
Wooden floors
Garage and outbuildings
Walls, gates and fences
Patios
And Contents within the home include:

Household goods
Clothing
Furniture and furnishings
Personal effects
For full definitions of Buildings and Contents please refer to your Policy Document.

Questions & Answers:
How Long Will This Claim Take?
We will do everything we can to settle your Claim promptly and efficiently. Although there may be many factors which can change the course of a Claim, we will do our utmost to resolve the situation with our straightforward approach.

Do I Need A Claim Form?
In some cases we do require more information and we will send a form. However, for most Claims we will attempt to handle your claim over the phone.

Am I Covered ?
Firstly check your Policy Schedule which will indicate what cover applies under your Policy. We will be happy to discuss any queries you may have, the claims customer service team can be contacted on 1890 77 99 99.

Do I Need An Estimate Or Paperwork Relating To My Claim?
It is a requirement to have supporting documentation relating to the Claim (Eg. original purchase receipts, plumber reports, and replacement estimates).

Please note that any cost incurred in obtaining estimates is your own responsibility and will not be covered under the policy.

Will This Claim Affect My Renewal Premium?
With Home Policies it will depend upon the amount of, and circumstances of this, and any other prior Claims. There may be an increase to premiums and Policy Excess's at renewal in some cases.

Safety Precautions: Fire Prevention
Electrical Appliances
Electrical sockets should not be overloaded. The ideal is one appliance, one socket.

Replace worn flexes immediately and unplug all appliances when not in use.

Heating Appliances
Keep heaters away from furniture, curtains and bedclothes.

Never move or refuel an oil or gas heater while it is lighting.

Open Fires

Never leave a room without putting a spark guard in front of the fire.

Have your chimney swept regularly - at least twice a year.

Cooking
Keep all electrical flexes off cooker rings or hobs.

Smoke Alarm

You should install at least one smoke alarm in your house. If your home has been built since June 2006 you are required to fit 4 Grade D smoke/heat alarms.

At Night

Unplug all electrical appliances - especially the TV set.

Safety Precautions: Water Damage
Every year severe Winter conditions cause pipes to freeze and burst. The ensuing water damage to your house and contents can be quite substantial. We urge you to take the following precautions to help reduce, or prevent, loss or damage of this nature in the winter months:

All pipes and tanks should be fully lagged.
Leave the underside of attic tanks unlagged to ensure rising warmth can reach them.
Inspect your cold water tank for rust/corrosion.
Safety Precautions: Burglary Prevention
While your home insurance covers the financial loss you suffer as a result of a break in, nothing can protect you from the emotional trauma and shock suffered as a result of a break in. However, there is a lot you can do to help prevent it happening in the first place.

All External Doors
Fit five-lever mortice deadlocks to all external doors and please lock these doors even if you are out for just a short time.

All Accessible Windows
A large number of break-ins occur through windows. Fit security locks to all accessible windows, eg. those on the ground floor or near drainpipes or flat roofs.

Going Out At Night
When you go out for the evening, it's a good idea to draw the curtains and leave a light on in the living room or a bedroom. Leaving the hall light on is not a good deterrent. Keep your garage/garden shed locked. Do not leave garden implements, especially ladders lying around, they could help a thief gain access to your home.

Going On Holiday
When you go away on holiday, cancel all deliveries, e.g. milk, newspapers etc. Give a key to a trusted neighbour and ask them to keep an eye on the house and to remove mail from the letterbox or hall. Inform your local Garda station that you will be away.

Important Note - If the house is unoccupied for more than 35 consecutive days important Policy Exclusions applies to the policy - please contact us on telephone number 1890 48 48 48 to advise

illegalmidget

once youv sent estimates and a claim form (if they require one some dont)

if you had aloss assesor out they will pass the file to him. he will look over estimates etc and agree the figures and you can get the work carried out and then send them the final invoice.

If you;v already paid to have the work done and sent the final invoices once they have every thiugn they need it doesnt take longer then 2 weeks to agree the final figures and issue a cheque

Robin01

Insurance has become the need of the day with the increasing number of accidents happening nowadays and so it is always better to safeguard your interest by incurring a small amount on the purchasing a policy rather than risking the future. So, search for the insurance companies and opt for insurance.