Genaral Claim Procedures

Report the incident to us by telephone, facsimile or email, wherever practicable, within 24 hours of the incident
We will provide you with a claim form to complete and return to our office.
Attach all original quotations or invoices, valuations or photos obtained for replacement of or repair to the
damaged or missing property.
In the event of loss by burglary, housebreaking, theft, suspected malicious damage, contact the Police.
Also make sure the premises are secure to avoid further incidents. Record their report number.
For Public Liability claims, attach any letter of demand or other correspondence that you may receive from any Third Party.
Whatever the circumstances of the incident, DO NOT ADMIT LIABILITY EVEN IF YOU THINK YOU ARE AT FAULT.
Your Insurer is entitled to deny a claim or pay a reduced amount if statements made by you or your employees
prejudice the Insurer’s position.

Submit the claim form to the Insurer
We may contact you for further information
If the claim has not been paid within 30 days we will contact the Insurer and then advise you accordingly
We will then follow up the claim on a weekly basis until settlement is reached.
As soon as we know something, you will know something.

The assessor will then become your contact point
An assessor is an independent person who is appointed by the Insurer to help finalise a larger or more difficult claim
The assessor will obtain details of a loss and may help arrange for quotes and prepare the necessary paperwork
They will write a report to the Insurer recommending what action to take
This can take time depending on their work load and Police Reports.
The insurer will act on their report whilst cross referencing with the policy and covers applicable
If you are unhappy with the way the claim is progressing, advise the assessor.
If the assessor’s responses is unsatisfactory, contact us immediately.