Storm Damage
- Contact a reputable builder immediately to arrange emergency repairs or boarding-up.
- Wet or damaged items can be lifted or removed from your home, BUT do not dispose of any damaged items until your claim has been settled or these items have been inspected. Store in a shed, attic, skip or outhouse.
- Dehumidifiers can be used to dry out walls and ceilings.
Water Damage
- Contact a plumber immediately to stop the leak and minimise any further damage.
- Wet or damaged items can be lifted or removed from your home, BUT do not dispose of any damaged items until your claim has been settled or these items have been inspected. Store in a shed, attic, skip or outhouse.
- Dehumidifiers can be used to dry out walls and ceilings.
AXA Home Insurance cover claims
We're here to help
We are committed to paying home insurance claims and getting our customers’ lives back to normal as quickly as possible.
What do I do in the event of...
Theft or Vandalism
- Secure your property and its contents at all times.
- Report the loss to the Gardai.
- Gather supporting documentation for the stolen items (receipts/valuations).
Subsidence
- Contact AXA immediately.
- Do not carry out any structural repairs.
- Do not instruct experts or contractors without prior agreement from AXA Insurance.
Why are not all claims paid?
Wear & Tear
If something is broken or damaged due to normal use or aging, then this is not insured. Examples include cracked tiling, decaying pipework, broken appliances and soft furnishing fabrics worn by everyday use.
Your policy excess is more than the claim itself
To keep our premiums as low as possible, we have standard policy excess’ as follows:
- Escape of water €500
- Subsidence €5000
- All other claims €250
Please note: you may have asked for a voluntary excess over and above these in return for a premium discount. If you have a home no-claims discount, this will be reduced and the increased premium may offset the value of any small claims paid under your policy.
Personal possessions away from your home
Under your contents cover, your personal possessions are covered within your home or in transit if you're moving house. But if you want day to day cover for personal possessions outside the home you must add this extension to your policy and pay the extra premium.
Un-occupancy
There are terms and conditions that apply if your property is unoccupied or unfurnished for more than 40 consecutive days. Please make sure you are familiar with these conditions. If you fail to comply with these conditions, your claim may not be paid.
Mineral felt flat roofs
Please be aware that mineral felt flat roofs are very prone to weather damage. Roofs over 5 years old must be inspected and maintained by a professional builder every 3 years. You must be able to prove this in the event of a claim.
Useful information
Do you need help? Get answers for the most common questions or you can call us on 0818 7 365 24.
Home claims advice
- Felt roofs over 5 years old must be inspected by a professional builder every 3 years.
- Keep receipts for any expensive possessions as you will need to validate how much they cost you.
- Ensure that seals and grouting around showers and baths are regularly maintained to prevent water leakage.
- Do not dispose of any damaged items until agreed by AXA.
- Please contact our Customer Service Centre if your property becomes unoccupied or if there are any changes in occupancy e.g. house let to tenants, as this may affect policy cover.
- Apartment owners, please check with your management company to see what cover is in place in respect of your fixtures and fittings. E.g. wooden flooring, kitchen units.
- If you have a holiday home you must switch off the water and electricity when unoccupied. This is a condition of your policy.