Although there is some paperwork involved in making a claim, you should remember that under the Central Bank's Consumer Protection Code regulated companies are required to:
Have a written procedure in place for dealing with claims.
Let you know their decision on your claim within 10 business days of making the decision. When a claim is not settled in your favour, they should explain the reasons why in writing, and provide you with details of how you can appeal the decision.
When you applied for insurance your insurer will have told you, under the Central Bank's Consumer Protection Code, that any cover or claim you make could be affected if you give inaccurate or incomplete information when you apply for cover.
Therefore, always disclose fully the correct information and claims history you may have. This will be checked by your insurer !
If you are not satisfied with the outcome of your claim, or your insurers decison to decline your claim, they are obliged to fully advise you of the complaints procedures you can follow including referring the matter to the Financial Services Ombudsman.