Will I need to report my theft to the Police?
Malicious Damage or Theft claims must be reported to the Police who will issue you with a crime reference number.
Should I take photographs?
Photographs are not always necessary. However, we would recommend that you take some to support your claim should Insurers ask for them, particularly in property damage and personal injury cases. Never dispose of damaged items before your claim has been settled.
I cannot wait for Insurers to approve my claim before I carry out repairs?
Your insurers will normally allow you to carry out emergency repairs to make the property sound or to prevent further damage prior to estimates being obtained for permanent repairs. If you are not sure whether you should proceed with emergency repairs, please contact the claims department for advice.
Can I use my own tradesman?
Many insurers have approved tradesmen or firms to repair or replace damaged or lost property. If you would rather use your own tradesman or firm then you should submit two competitive quotations. The insurers may wish to check that the charges made by your chosen tradesman or firm are reasonable and competitive and may wish to inspect any damage either prior to or post completion of the works.
Will I have to pay an excess?
It is likely that your policy will carry an excess, which will be deducted from any claim payment.
Will I lose my no claims discount?
As most policies include some form of a no claims discount, it may not be worthwhile claiming if the loss/damage is close to the level of policy excess - please contact us for advice for your own particular circumstances.
How long will it take to process my claim?
This is the question that most people ask. It is very difficult to give a general time scale of how long a claim will take to process. Each claim is completely different from the next and depending on the type and extent of loss; the time taken to deal with a claim varies greatly. We will however take all steps to ensure your claim is settled without delay.
I am not happy with the settlement offered, what should I do?
Contact us and let us know. We will always try to obtain the best settlement for you and are happy to refer your comments to your Insurers. Can you send me a Claim Form?
Yes. Please email or call us and we will be happy to send you a Claim Form.
I cannot find details of my Insurance Company on your list?
If your Insurance Company is not listed or you are unsure which company covers your claim, please contact us. |
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