The claims process is not always a straightforward one. However, there are several issues which, if addressed, can facilitate the process.
Minimise the Loss
It is a condition of most, if not all policies that a policyholder should take action to mitigate the loss. For example, premises must be secured or boarded up as quickly as possible in the event of damage to windows or doors. The basic principle is to take whatever action you would normally take had you not been insured. If you do not, then you could end up paying out of your own pocket for part of the claim.
Do Not Delay
Notify your insurance company or ourselves, as your insurance broker, as soon as possible following an incident against which you wish to make a claim. Most policies have set time limits and your claim could be rejected if you are too late.
Burglary or theft should be reported immediately to the police and a crime reference number obtained. If you fail to notify the police then you could prejudice your claim.
Disposal of Damaged Articles
Do not throw anything away until the Insurance company has inspected it and/or authorised its disposal.
Taking photographs of your property prior to and after a risk incident occurring can be a useful way to help prove the nature of the articles in your possession.
Collect receipts and try to list what is missing or damaged beyond repair. If you haven’t got receipts, then instruction manuals or even original boxes and containers can help prove that you actually had an item.
Recording of Events
Write down everything that has happened with regards to the risk incident whether it be a burglary or a motor accident. This type of information will not only be required when you notify the police (where appropriate) but will also be required when you notify your insurer or ourselves of an incident against which you wish to make a claim