No one expects to be involved in an accident, But it can happen within seconds, Shock will set in weather its your fault or a third parties, or simply an own accidental damage claim. Any claim big or small, you can follow these steps to get your claims process started:

1. Remain as calm as possible, take deep breaths, Its normal to be shaken after an accident.
2. Stop the vehicle, Turn off your engine, Apply your hazard lights (Its an offence not to do so)
3. If possible & safe to do so, move to the side of the road, or footpath, If your vehicle is causing a Hazard, if safe to do so, move the vehicle to the side of the road
4. Check for any injuries to yourself or passengers.
5. Share your Name and Address with everyone involved if the accident caused damage or injury.
6. Exchange Car Insurance Details with the other drivers. Find out if the driver is the registered owner of the vehicle, (May be a company vehicle)
7. Gather Registration Numbers of All Vehicles involved. This is the Most Vital Piece of Information.
8. If it’s a minor collision with NO INJURIES, Take Note of the date, Time, Location & Third Party Details, In case the third party attempt to claim for an injury.
9. Do not apologise or Admit Responsibility for the accident, until your completely aware of what happened, This can protect you from liability if it wasn’t your fault.
10. If anyone is hurt, or the road is blocked, call the guards and an ambulance immediately.
11. In the event the Third Party leaves the scene without giving details, Call the Guards
12. If you think the Third Party does not have insurance, or is under the influence of drink or drugs, Call the Guards
13. If you suspect the accident was caused deliberately from a Third Party, Call the Guards.
14. Within 24 Hours of the Accident, Contact the guards to advise them about the accident. If you do not you may be given a fine, Penalty Points, or disqualification from driving.

INFORMATION TO RECORD AT THE SCENE OF AN ACCIDENT:

• MAKE, MODEL OF VEHICLES, REGISTRATION NUMBERS, & TAKE PHOTOS IF POSSIBLE
• THE TIME AND DATE OF THE ACCIDENT, ALONG WITH THE EXACT LOCATION
• DRIVING CONDITIONS, WEATHER & ROAD QUALITY
• NAME & CONTACT DETAILS FOR ANY WITNESS
• TAKE PICTURES OF THE DAMAGE, THE SCENE & POSITIONS OF VEHICLES INVOLVED,
• IF NO ONE ELSE IS INVOLVED IN THE ACCIDENT, EG: CAUSED DAMAGE TO THE WALL OF A BUILDING, OR A PARKED CAR, LEAVE YOUR DETAILS WITH STAFF OR SECURITY IN THE BUILDING, OR IF A PARKED CAR, LEAVE A NOTE WHERE THE OWNER WILL RECOGNISE SAME.

NOTIFYING YOUR INSURANCE COMPANY:

Please contact your insurance company as soon as possible. You can contact us Monday to Friday between 09.00am  – 17.30pm, and we can help you with the process. In the event that the accident is outside of these hours, You can contact your insurance company directly. Please refer to your policy documentation for contact numbers.

If you are not making a claim, You must still let your insurance company know about the accident, As the third party may attempt to make a claim without your knowledge.

Home Insurance offers you peace of mind protecting your home and belongings against a range of risks such as loss or damage by theft or attempted theft, fire, flood, water damage or subsidence. Policies can be tailored to your individual needs and requirements.

Standard Home Insurance usually consists  of Buildings Insurance Cover & Contents Insurance Cover. Buildings insurance provides cover for the structure of the home, domestic outbuildings and permanent fixtures.

Contents insurance provides cover for household goods and personal belongings. You can also avail of optional extra covers, such as, Accidental Damage, All Risk & Personal Possessions, Home Emergency Assist, and More. Contact us today for your Home Insurance Quotation.

There is actually no such term as “Fully Comprehensive Cover”, However it is a commonly used term. Most individuals and policy holders aim to obtain “Fully Comprehensive Cover” as the belief is that you are including every feature and benefit available. A Standard Comprehensive Policy will usually cover all features and benefits of a “Fully” Comprehensive policy. Your adviser will advise you on any optional extras that may not be included and will give you the option to add on any extras not included. Policies usually include no claims bonus protection (Step Back or Full), Windscreen Cover, HomeStart and Roadside Breakdown Assistance and Driving of Other Cars. However this does depend on the selected insurance company and benefits may differ slightly. Call us today for more information.

Personal accident cover is a part of a car insurance policy that compensates you or your family for injuries or death caused by a car accident. If an accident isn’t your fault, the at-fault person’s insurer will pay out for any personal injury claims.

Depending on the situation, You can follow these steps to assist you when making a home insurance:

1. In the event of a Burglary: Contact the Guards as soon as possible, They will give you a crime reference number that you can provide your insurance company.

2. Contact Your Insurance Company to explain what has happened, Provide as much detail and information as possible.

3. Take photographs of the damage, keep and gather any Bill Receipts & Documentation. You may have to provide these to your insurer.

4. If the repairs are not urgent, Get your insurer to approve of same, before you use contractors or pay for any materials. In an Emergency Situation, Insurers are usually understanding, and should Re-Imburse you if you need to make urgent repairs.

NOTIFYING YOUR INSURANCE COMPANY:

Please contact your insurance company as soon as possible. You can contact us Monday to Friday between 09.00am  – 17.30pm, and we can help you with the process. In the event that the accident is outside of these hours, You can contact your insurance company directly. Please refer to your policy documentation for contact numbers.

Driving of other cars is a policy extension that allows you to drive someone else’s car, That’s not owned by you, hired or leased to you, or a company car. In most cases this cover is Third Party Only, even if you have comprehensive cover, Your cover for driving another vehicle may still be Third Party Only, Some insurance company’s may offer Comprehensive Driving of other cars. This cover only applies to the Main Driver and not the named drivers of the vehicle. You can find out if you have Driving of other cars on your Certificate of Insurance.

Policyholders and individuals tend to assume Open Drive & Driving of other cars are the same thing. However this is not the case, they are two entirely separate benefits. Open driving usually covers any driver aged 25-70 with a full Irish, UK or EU licence while driving your car with your permission. With open driving there is no need to add named drivers to your policy. Open driving is an optional extra and an additional charge may apply if you want to buy this cover. Driving of other cars is a policy extension that allows you to drive someone else’s car, That’s not owned by you, hired or leased to you, or a company car. In most cases this cover is Third Party Only, even if you have comprehensive cover, Your cover for driving another vehicle may still be Third Party Only, Some insurance company’s may offer Comprehensive Driving of other cars. This cover only applies to the Main Driver and not the named drivers of the vehicle. You can find out if you have Driving of other cars on your Certificate of Insurance.

No Claims Bonus years allow you a discount on your annual premium, In most cases, Years represent a discount, for example: A 1 year no claims bonus can allow a 10% discount, and a 5 Years No Claims Bonus can allow you a 50% or higher depending on the insurance company’s discount scale. Although you may have 10 + or 20 + years No Claims Bonus, we can only allow the maximum discount that the selected insurer will rate on their No Claims Bonus Scale. Call us today for more information.

Accidental Damage is an optional extra on Home Insurance, This cover protects you against any unintentional damage to buildings or contents.  Examples would be Accidental Wine Spills or Paint Spills on carpet, A nail through a pipe, Knocking over a TV or putting a foot through a ceiling while in the attic. Your Home Insurance policy schedule will confirm if you have or have not got accidental damage included.

This would be the Amount of money you would need to rebuild your home from scratch. We would recommend using a Handy Tool on The Society of Chartered Surveyor Ireland’s Rebuild Calculator. This will help you calculate the rebuild cost of your home.

https://scsi.ie/consumer/build/house-rebuild-calculator/

If you are travelling, you should consider getting travel insurance. It can cover you against losses such as damaged or delayed luggage, cancelled flights, delayed or missed departure, loss or theft of money or passport, and illness or injury. Many policies include the cost of an emergency return flight if a close relative of yours dies. You may not be able to claim if you have not filled out your medical information truthfully.

A policy excess is the part of a claim that is not paid by the insurance company. For example, a total claim for €2,000 is reduced by a €250 excess and €1,750 is paid out

Social Domestic and Pleasure use Covers personal use of the vehicle and commuting to and from the insured’s permanent place of business provided that no business calls are made on the journey.

Class 1 use is when the car is being used for social domestic and pleasure purposes and for use by the insured & or spouse in connection with his/her business or occupation.

Class 2 use is when the car is being used for social domestic and pleasure purposes and for use by the insured & or spouse in connection with his/her business or occupation which is not covered by class 1 use. The requirements may change depending on the insurance company. Call us today to discuss what cover you may require.

You will find that on the Motor Tax Website, Your insurance broker will not be on the list. Sometimes your insurance company name may not be there either, as it may be the ultimate insurer that are listed. You will find information on your certificate of insurance, or if not, call us at 01 801 5808 and we can help.

To add a driver to your policy, the easiest way is to call us at 01 8015808, Alternatively you can email us the driver details (Name, Date of Birth, Occupation, Licence Type, Country of Licence Issued, Date Licence obtained, and any information regarding claims, convictions, penalty points, medical conditions, disabilities etc) Please note that No Cover is provided until we confirm this with you either over the phone, or via email. This may result in an additional premium.

Changing your vehicle temporarily or permanently will have to be processed with one of our advisers, Call or Email for a call back to change your vehicle. In the event you are changing your vehicle out of hours, Please call us in advance, during business hours to arrange cover for the date & time required.

We are always here to help you with your enquiries, Contact us at query@lfs.ie or alternatively give us a call on 01 801 5808, and we would be more than happy to assist you.