What to Do If Your Insurance Claim Is Rejected in Ireland

Having an insurance claim rejected can be frustrating, but it’s not the end of the road. In Ireland, consumer protections exist if you believe a decision is wrong.

Many rejections are due to misunderstandings, not wrongdoing, and claims can often be clarified, reviewed, or appealed.

Firstly, you need to understand why your claim has been rejected and your insurer must provide a clear written explanation.

Common reasons for a claim being rejected include: the damage or loss isn’t covered (wear and tear, gradual damage, certain medical conditions), non-disclosure or incorrect information (like previous accidents or medical conditions), unmet policy conditions (reporting deadlines, approved service providers), or when the claim is below your excess.

Get a Full Explanation

If the rejection isn’t clear, ask your insurer or broker which policy section applies, which facts influenced the decision, and what evidence was used. Brokers can help explain complex points.

Review Your Policy

Check your policy wording, schedule, and any endorsements. Confirm whether the exclusion applies, whether the insurer interpreted the policy correctly, and if any ambiguous terms could be interpreted in your favour under Irish law.

Can I remain anonymous? 

Yes, you can report insurance fraud completely anonymously through the form on www.insuranceconfidential.ie. You are not required to provide any personal details to do so.

Need More Assistance?  

If you have any further questions Insurance Ireland’s Information Services team is here to help:  

Email: feedback@insuranceireland.eu  

Tel: (01) 676 1820