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Broken window claim rejected

I am a pensioner and some boys broke my window last week. I called my insurance company and they say I don’t have a claim. Is that true? Mary

Hello Mary.  This type of case can be very upsetting and then for your insurance company to say that you are not covered adds insult to injury. 

I don’t see why the insurance company are saying you’re not covered.  Most policies cover malicious damage and that is exactly what this is. It might be that you have an excess on the policy - that is you must pay the first (say) €300 of any claim and your claim is less than that amount. 

If you bought your insurance policy through a broker you should go back to him or her and ask their advice.  If you did not have a broker you should ask the insurance company to give you the reasons why you were refused in writing and if they don’t make any sense you can go to the Financial Ombudsman and as for his intervention.  www.financialombudsman.ie

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