Home Insurance Claims
In the event of an accident happening in your home on which you wish to submit a claim you are kindly requested to contact us for guidance. Notification can be made by: phone, email or by calling personally at our offices or at any one of our branch network – View Contact Us for details of our addresses and opening hours.
What to do in the event of a claim
In the event of an accident occurring at home which could give rise to a claim, it is important that you notify our claims department and/or your insurance broker immediately.
Naturally, you must take all necessary steps to minimise or contain the loss as much as possible. This includes drying out and cleaning any wet items and removing any undamaged items from the damaged site. Do not dispose of any damaged items prior to informing us.
In the event of theft or malicious damage a report must be made to the police
Completing a claim form
The following documentation will be requested in the event of a claim
- Completed claim form (Download Claim Form or Complete Online)
- Detailed statement of how the loss occurred
- Quotation/s to repair damages
- Quotation/s to replace unrepaired items
- Other relevant documents, photos and any proof of ownership of the items being claimed
- Technical reports (where applicable)
- Police Report (where applicable)
On site meetings/surveys
On site meetings/surveys may at times be requested by our claims staff to understand better the nature of your claim in a way to handle your claim as efficiently as possible.
Appointment of consultants or loss adjusters
In certain cases, the need may arise to appoint independent consultants or loss adjusters to assist us in the handling of the claim. Our appointed consultants are independent professionals having vast knowledge and experience in their specific fields.
Appointment of contractors
In instances where you may encounter difficulties in sourcing contractors to obtain a quote and to deliver a service, through our wide network we may be in a position to offer assistance by appointing specific tradesmen to draft reports, give quotes and deliver the service or product you may require.
Third party damages
If you suffer damages to your buildings or contents as a result of the negligence from the part of third parties, please ensure that you contact us immediately and provide us with details of such person(s) as soon as possible. You will also be required to hold them responsible and to invite them to view the damages caused.
Similarly, in case you cause damage or injuries to third parties, it is important that you do not admit liability and all steps are to be taken from your end to minimise the loss and act as if uninsured. You are requested to inform our claims department immediately and give us the opportunity to investigate the matter promptly.