Household Claim

Figuring out how to make a claim and how it may affect you can be difficult. Naturally we hope you won't have any accidents or misfortune, but if you do, the following advice might be useful.

To report a claim, phone 1890 290 100 if you are insured directly with RSA or through a Broker - 24 hours a day, 365 days a year.

Phone (01) 290 1929 if you are Insured with RSA via a Bank or Building society - 24 hours a day, 365 days a year.

What do I do if my property is lost or damaged?

  • Take any emergency action which may be necessary to protect your property from further damage e.g. switch of the gas, electricity and water. If you have to arrange for a contractor to carry out emergency work, please keep the repair account which we will need to see.
  • Telephone us or your usual insurance advisor immediately for advice on policy cover and how to proceed with your claim. We would be pleased to hear from you.
  • Check your policy wording carefully, to see if the loss or damage is covered. Your policy lists the events (e.g. storm or stealing) which are covered and not covered and also any general exclusions or conditions which apply to your whole policy.
  • Remember that your policy is not a maintenance contract and does not cover any loss or damage caused by normal wear and tear - no Insurance Policy does. Remember too that the amount you are entitled to claim may be reduced if your property has not been properly maintained.

We have arranged a 24 hour Emergency Helpline Service to give you immediate access to the experts who will solve your emergency. Call (01) 832 8756 any time.

I think I am covered - what do I do now?

As soon as you think you may have a claim you should report it to your usual insurance advisor immediately.

If the damaged item can be cleaned or repaired:

Items such as carpets, soft furnishings etc., may often be capable of cleaning or repair. If you contact us by telephone we will advise you how to proceed.

If no immediate repairs are necessary:

Obtain an estimate for repairs or replacement, but please do not delay in reporting the claim to your usual insurance advisor.

Is there anything else I should do?

Please do not dispose of damaged items before we have had the opportunity to inspect them. Report any incident involving loss, stealing, malicious damage or hit and run damage to the Gardai immediately.

If someone is making a claim against you or any of your household for any injury to them or damage to their property, you must send us full details, in writing, immediately. Any letter or legal documents you receive should be sent to us, unanswered, without delay. It is most important that you leave us to deal with the matter on your behalf and do not get involved in any correspondence or conversation with the other person.

Depending on the type of claim and value involved we may:

  • Contact you by telephone or letter to progress your claim
  • Arrange for one of our claims team to personally call on you.
  • Appoint an independent Loss Adjuster to deal with your claim on our behalf.