Home insurance

Richard tea · 11-05-2022 2:09pm #1

Just wondering if you have to declare a claim on motor insurance if you make a claim on home insurance? Haven't done it yet but I might need to make a claim on home insurance.

Coopaloop · 11-05-2022 2:13pm

No, you wouldnt.....unless you crashed your car into your house?

Richard tea · 11-05-2022 2:48pm

https://www.boards.ie/discussion/comment/119046300#Comment_119046300

😅Not at all. Just wondering when my motor insurance is due for renewal and they ask about any claims in the last 5 years would a home insurance claim be included. Thanks god to know.

Coopaloop · 11-05-2022 3:05pm

https://www.boards.ie/discussion/comment/119046607#Comment_119046607

😂

Yeah they are completly separate things, so no need to notify.

Jim2007 · 11-05-2022 7:14pm

https://www.boards.ie/discussion/2058245400/home-insurance

You are required to disclose all relevant information, even if not asked to do so. So unless there is some kind of cause and effect between the two incidents that would be a no. I suppose it is possible, but unlikely.... unless say you crashed into the house and caused structural damage.

Eggs For Dinner · 11-05-2022 8:32pm

You declare previous claims for the class of business you are applying for

coylemj · 12-05-2022 10:17am

https://www.boards.ie/discussion/comment/119047827#Comment_119047827

That is no longer the case, since the commencement (in September 2021) of the Consumer Insurance Contracts Act 2019. In particular, see section 8...

8. (1) The duties in this section replace, at the pre-contractual stage of a contract of insurance, the principle of utmost good faith (uberrima fides) and any duty of disclosure of a consumer (including any duty on the consumer to volunteer information) that applied prior to the commencement of this section (whether that principle or duty arose at common law or under an enactment).

(2) The pre-contractual duty of disclosure of a consumer is confined to providing responses to questions asked by the insurer, and the consumer shall not be under any duty to volunteer any information over and above that required by such questions.

https://www.irishstatutebook.ie/eli/2019/act/53/section/8/enacted/en/html#sec8

Home insurance

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