I am insured with Eagle star via 123.ie. Yesterday we had a thunderstorm with lightening and the ESB supply went off. When supply was restored 3 hours later we discovered that the TV and the sky system were not working. Tried another tv with was still working and the Sky is deffo not working. Tv is working in the bed room but the Sky+ there is also not working. Our landline is also out of action too.
In this sort of case is it usual to allow you to get the system replaced and send them the receipts or will they send someone out to look first before you can get repairs/replacements?
It is going to be hell without the tv so I am anxious to sort this out soon.
I have re-read the policy carefully and the excess is indeed €500. This is increased to €1500 for landslip type claims. In view of this I won't be staying with 123 next year.That's an extraordinarily high excess for Eaglestar.
Did you volunteer for it?? i've never handled a house policy with an excess as high as that for lightning claims.
I would assume that you would have to declare that if you were at risk of a landslide at proposal stage and at that point cover would be refused?If you are actually at risk of landslides and the €1.5K excess for that event does not suit then you probably need specialist cover.
Perhaps - my main point is that if landslides are a negligible risk to your property then the €1.5K excess is largely irrelevant. I wonder do other policies also stipulate higher excesses for this and other specific risks meaning that the policy offered via 123.ie may not be as unusual as you seem to think? Ultimately I believe that you are being a bit unfair in seemingly insinuating that the cover offered via 123.ie may be somehow limited, flawed or cutting corners and that this is the reason that you will switch insurers next time around (mind you - you don't have to wait and can switch any time and your existing insurer must refund any unused premiums on a pro-rata basis).I would assume that you would have to declare that if you were at risk of a landslide at proposal stage and at that point cover would be refused?
I have re-read the policy carefully and the excess is indeed €500. This is increased to €1500 for landslip type claims. In view of this I won't be staying with 123 next year.
Why should anybody be miffed when they have explicitly agreed to the excess at the time of taking out the policy!?!I personally would not be comfortable with that kind of excess for a claim and I can understand you being miffed.
Why should anybody be miffed when they have explicitly agreed to the excess at the time of taking out the policy!?!
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