Making a claim
Before you make a claim, check your policy carefully to make sure that the loss, damage or medical condition is covered then tell your insurer as soon as possible. It's helpful if you can provide your policy number when you contact them.
Make sure you have to hand all the relevant information about your claim and can give an exact account of your situation.
The claims process will vary from insurer to insurer, but generally speaking you should follow the recommendations your insurance company makes so the process runs as smoothly and as quickly as possible.
Make sure you submit your claim before any deadline.
Remember to enclose all the information and documents that they have requested. It's best to be as detailed and honest as possible. Keep a copy of all correspondence and documents or receipts relating to your claim.
If the incident leading to a claim was unlawful (such as theft or vandalism) you should report the matter to the police as soon as possible and get a crime reference number.
Before you make a claim, bear in mind that you may have to pay an excess. It may well be that your loss is so small it's less than your insurance excess. In addition, making a claim could impact the price you pay for insurance in the future, as you could lose any no claims bonus you've built up.
Sometimes you might need to contact the insurer for approval before you make a claim. Whatever you do, don't arrange for your own repairs, replacements or medical treatment without first making sure your insurer will cover your claim.
Top tips
- Get some top tips on how to make an insurance claim from thisismoney.co.uk.
- Don't assume your policy will pay out. Check out the small print.