Allianz Northern Ireland Blog

Insurance - Handle With Care!

Most of us give little thought to our insurance from week to week. We hope that we never need to use our insurance. If the day comes where we do then we expect our insurer to treat us fairly and to provide a good claims service.

For our insurance to work as we wish when we need it, it’s crucial that we arrange it on the correct basis. We’re going to look briefly at the policyholder’s responsibility to ensure that sums insured are adequate.

The Claims Process

Doomsday scenario: Your house burns to the ground and all of your household possessions are destroyed. You make a claim to your home insurer.

You expect your insurer ...

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Top Causes of Motor Insurance Claims

Here at Allianz, our Motor Claims teams handle lots of car insurance claims every day. From little tips, bigger bumps, fire and theft; our team is busy trying to resolve claims as quickly and fairly as we can.

top-claims-infographic_

Third Party Claims

44% of the motor claims we dealt with last year involved a third party. These claims come in all shapes and size from fender benders to sadly much more serious accidents. 

It is estimated that 90% of all road traffic accidents are caused by human error. So, by being a diligent and conscious driver we can reduce the number of third party claims. Being aware of what distracts you while driving is a...

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Allianz Initiatives to Improve Sustainability in 2018

At Allianz we are committed to securing a better future for everyone. To this end we’ve introduced various ‘green initiatives’ aimed at supporting a sustainable planet and helping us to create a better environment for all our customers across the island of Ireland.

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We encourage our customers and employees to think ‘green’ when it comes to buying insurance and their car. In 2018 alone, we improved our green initiatives through the following:

Green Home Insurance

Allianz Ireland customers are automatically covered for eco home features such as solar panels and geothermal heating systems at no additional cost. When a proper...

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Vehicle Maintenance

It is important to give your vehicle regular TLC and maintenance checks to ensure road worthiness and safety whilst driving.

There are several benefits of keeping your vehicle well maintained;

  • Reduces risk of breakdowns and vehicle deterioration.
  • Increases Driver and Passenger safety.
  • Reduces the chances of penalty points due to vehicle roadworthiness.
  • Can improve the resale value.
  • And most importantly it ensures that your vehicle meets the minimum standards.

We have put together a list of six basic vehicle checks that you can do to keep your car healthy and running smoothly.

Tyres

Car tyre maintenance is one of the most impor...

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Handy Guide to Reading Your Insurance Policy

Here’s a choice for you – would you rather go to the dentist or read your insurance policy?

Reading your policy, or at least having some understanding of it, doesn’t need to be daunting. Here’s a quick guide to understanding the structure and content of it.

Your Policy Has More Than One Document

The policy wording: When you open your policy booklet you will find that there are sections which detail the covers that apply and circumstances in which cover will not apply (referred to as exclusions or exceptions).The schedule: This details the risk information specific to you. For example, your name and address, car details, ...

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You Right to Appoint a Public Loss Assessor

If you don’t know what a loss adjuster is then count yourself fortunate. Loss adjusters are insurance professionals who, in the event of an insurance claim, assess the loss and the amount of compensation that should be paid.

Let’s look at home insurance. It is common for insurers to appoint loss adjusters to assess claims for loss or damage resulting from (for example) fire, storm, water damage, theft. Although the loss adjuster is appointed by the insurer and has his/her fee paid for by the insurer, it is their duty to assess the loss and advise on claim settlement in an even handed manner, i.e. claim settlement shoul...

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