Home insurance claims

When contacting us please make sure you quote your policy to help us deal with your enquiry more effectively.

Check that the claim is covered by your policy

Each section of the policy tells you what is covered and what is not covered. The basis of settlement paragraph will tell you how the claim will be settled, provided that the policy conditions are fulfilled.

Making a claim

Contact your agent for a claims report form or us on 0870 2403093

Please have your policy number available. If damage is serious or caused by riot, immediate telephone contact is essential as we may need to arrange inspection of your property by a member of our claims staff or an independent loss adjuster who specialises in dealing with insurance claims. We will pay his fee.

Help and advice

If you require help and advice concerning your claim we will be pleased to assist you.

Further information

We may well be able to settle your claim from the information provided in your claim form but we may require further information, or ask you to furnish documentation in support of your claim.

Many insurers are able to secure discounts on the replacement of items. It is at our option whether we replace as new, reinstate, repair or pay a cash alternative.

If you would prefer a cash alternative, we may restrict this to an amount equal to the discounted replacement price we would normally pay. This helps us in controlling claims costs and ultimately premiums charged.