How to Make an Insurance Claim

Taking out any form of insurance has become an easy process with online application forms meaning the process now takes only a short time to complete. However, is it just as quick to put in a claim? And what exactly is the process for this?

Whilst the exact process will be slightly different depending on the type of insurance on which you’re making a claim, generally speaking the process will involve some set practices. With home insurance in mind, let’s take a look at the claims process in a bit more detail.

Contact The Police

If you suspect that something has been stolen or damaged maliciously, then you must call the police as soon as possible. In some instances, this will be your first port of call, especially if you’ve experienced a break-in. They will provide you with a crime reference number for you to present to your insurer.

Contact Your Provider

For other instances where you’re looking to claim on your home insurance, your provider should be the first port of call. For example, if something has gone wrong regarding structural damage or damage to utilities, then your provider will have be able to deal with the problem swiftly and effectively through a network of providers, such as electricians, plumbers etc.

The number to make a claim may be different to that of general enquiries, so be sure to make a note of the exact number to call, in relation to your policy.

When you make a claim, your insurer will ask you to provide some of the following details:

  • Your insurance policy number
  • Full details of your claim
  • A crime reference number (if necessary)

Before you call, make sure you’re up-to-speed with all the facts of the claim.

Assess The Damage

After you have dealt with the immediate emergency, you should evaluate the damage and the extent of your claim. Your provider will send out a claims form for you to complete. Follow the instructions set out in your policy document, or do the following:

  • Assess the damage to each room
  • Take photographs of damaged areas
  • Make a list of damaged or stolen items
  • Submit your claim swiftly, within the time frame given on your policy

Provide Documents and Evidence

To assist your claim, provide your insurer with relevant documentation and evidence. For example, receipts of expensive items or letters from providers detailing a purchase. Do not exaggerate a claim, or try and claim for more than a certain value, otherwise your entire claim could be invalidated.

If you have had a claim made against you, provide this as well – for written claims, pass this onto your provider, and for verbal claims provide your insurer with the full details.

What if your claim is rejected?

In some instances claims are not accepted. This could be because documentation is missing or that your policy does not cover what you’re claiming for. However, for anyone that feels they have had their claim unfairly rejected, first contact the insurer to query the decision following their complaints procedure. Once you have followed this process and if this has not resolved the issue, you can then contact the Financial Ombudsman Service to look into the dispute further.