Nobody wants to be in a position in which they have to claim on their insurance, and although it’s often an unimaginable set of circumstances that lead to the event for which you need to claim, it’s always advisable to prepare in advance. You can do this by keeping hold of receipts for any high-value insured items, as well as photographs, making it easier to value them should they get damaged or stolen.
Before you make your claim, gather all the information you need; this will ensure that the process goes as smoothly as possible. We suggest that you have to hand your policy documents, any photographs or receipts your insurer may need access to, and police crime or reference numbers, if relevant.
Check your policy wording to ensure that you are covered for the event you are claiming for. For example, accidental damage isn’t covered on every home contents insurance policy, so to avoid unnecessary stress it’s wise to ascertain your level of cover prior to contacting your insurer.
You can save time by contacting your insurer’s approved companies for a repair or replace quotation, and ask them to send this to you prior to your first contact with your insurer. This will give you a head-start in the claim process.
Write down any relevant information before calling your insurer, such as details of the event, including times, dates and locations, as well as the contact information for any witnesses or other people involved. Again, this will save you and your insurer time during the claim process.
Your broker will hold all the details of your policy and what is or isn’t covered. If you are unsure of anything, give them a call and they will be more than happy to pass this information on and help you in any way they can.
Wishing you all the best!
