Making a claim
Before you contact the insurer to notify them of a claim, you need to understand if you should be claiming under the Buildings or Contents part of your policy. This can be quite hard to understand for certain types of claims, so we have put together this short guide to help you.
How to know if it’s Buildings or Contents.
Everything classed as covered under Buildings insurance is likely to be everything that you would leave behind if you were to move house, or an easier way to think about this is to imagine turning your house upside down allowing all unfixed items to fall out! Everything that fell out would in all likelihood be your Contents. It is likely that everything remaining would be your Buildings. For example, a fitted bedroom would remain if you moved or turned your house upside down, meaning this element would likely be covered under Buildings, but a free-standing wardrobe that wasn’t fixed would fall out, and therefore this item is likely to be covered under Contents.
What if you need to claim under Buildings and Contents
It is often the case that both sections of the policy apply to certain claims. For example, if you experienced a theft claim, you may need to claim under your Buildings cover for the cost of repair or damage to any broken windows or doors (assuming the thief gained entry this way) and claim under your Contents cover for the replacement of any stolen items.
Claims are handled by the insurer, NOT by Insure4Retirement directly. Your claim team is there to help you and make the process as easy and quick as possible. Your claim team will need specific information about your claim and will also ask you some detailed questions to help them handle your claim efficiently and to prevent fraud.
First things first! You should notify the police as soon as possible if something is lost or stolen, or if your property has been purposely damaged. The police may provide you with an incident reference number which the insurer may require. It is important that you do not negotiate or settle any claims made against you by another party, the insurer is there to do that for you. Do not admit or deny responsibility for anything relating to your claim as this could affect your claim.
Reporting Your Claim
- Locate the insurer and policy number which you can find on the “Need to Make A Claim” section of your home Insurance Schedule, and your policy number.
- Use the information on the following pages to find the telephone number of the insurer you need to contact. Remember, you may have a different insurer if you have purchased any of the additional products available.
- Telephone the insurer as soon as possible after the Incident has occurred in order that your claim can be dealt with quickly and efficiently.