Claims

Should you have to make a claim, you will find our dedicated claims team to be understanding and sympathetic. We are experienced in handling all aspects of a claim, progressing matters to a satisfactory conclusion as quickly as possible, whilst ensuring that you are kept fully informed throughout.

Any likely losses, however minor, and whatever their nature, should be reported either to us, or the appropriate Helpline, as soon as possible. This will enable us to advise you, and will satisfy the policy condition that all losses must be reported without delay.

To make a claim outside our office hours, you can contact your insurance company directly using the Claims Helpline number in your policy booklet, or refer to our list of Claim Helpline numbers.

INFORMATION REQUIRED

To assist with the smooth handling of your claim, please ensure you have the following information:

All Losses

• Name and address of any third party involved
• Any documentation which may support your claim, i.e. estimates, photographs, valuations

Motor Claims

• Policy Number
• Vehicle registration number
• Where & when incident took place
• Third party details
• Crime reference number if applicable
• Consider if you are happy to use one of your insurers authorised repairers as you may be entitled to a courtesy car

       If you have purchased Accidentcare cover:

• Report the incident to Accidentcare within 48 hours. Tel: 0845 1221 800
• Accidentcare may provide a free courtesy car.
• If applicable i.e. non-fault accident, Accidentcare will also pursue third parties for settlement of any uninsured losses and, where appropriate, will negotiate total loss settlement with your insurer.

       If you have not purchased Accidentcare cover:

• Report the incident to either our claims department or the appropriate Helpline.
• Insurers will instruct their Approved Repairer if agreed with yourselves and a courtesy car will be supplied if available, for the duration of repairs.
• If you wish to use your own repairer, comparative estimates should be obtained from 2 independent repairers and submitted with the completed claim form to allow your insurers to inspect the vehicle and approve the repair estimate.

Property Claims

Which policy do you need to claim under?

Buildings generally cover the structure of your property together with any fixtures, fittings and internal decoration.

Contents generally cover the possessions you would take with you if you moved. Definitions may vary on tenanted properties and you should consult your lease for full details.

• Policy Number
• Details of loss
• If theft - items stolen
• Crime reference number if applicable
• Full description of items i.e. make/model numbers, photographs

Overseas & UK Transit Losses

• Write, where appropriate, to the shippers/freight forwarders to hold them responsible for the loss and retain a copy for submission to insurers with other supporting documentation.
• Obtain all possible supporting documentation, i.e. bills of lading, purchase receipts, invoices, delivery notes etc.