1. Make sure your home is safe and secure
If your home has been damaged, make sure everyone involved is safe and, if you need to, call emergency services. For example, if there has been a theft, burglary or vandalism, or an attempt at these, call the police immediately. Once it’s safe to do so, you should make sure your home is secure.
3. We'll get you sorted
A Customer Manager will keep you fully informed about your claim's progress. They will ensure that any damaged property covered by your policy will be repaired or replaced as quickly as possible, so that you can get back to normal.
To keep your claim as easy and stress-free as possible, it helps to have all the relevant information on hand, including:
- The full details and circumstances of what has happened
- As much information as you can provide about any damage, stolen or lost items
- The full details of everyone involved
- The date and time that the incident occurred
3. Take note
Note down what’s been stolen or damaged and check to see whether your house keys have been taken. Check your spare car keys too, in case the thieves targeted your car as well.
It is also a good idea to talk to your neighbours, as they may have seen something that could help the police.
We'll arrange to have it checked to see if it can be repaired. If not, we'll replace your laptop with the nearest equivalent item or, where this isn’t available, pay the Market Value.
In some cases, we will send a referral to our suppliers (OPSM or Specsavers) who will contact you to organise an appointment. Even if they aren’t your normal optometrist, we can arrange for your records to easily be retrieved, making it hassle free for you.
For all the valuable items specified on your policy, such as jewellery, artworks or antiques, make sure you have an appropriate valuation document when making a claim, or proof of ownership such as a receipt. Report your claim online or call us on 0800 500 216 – a Customer Manager will make sure your claim is processed and your item is repaired or replaced as quickly as possible.
Please be aware that if you have not specified your items on your policy, the maximum amount paid out will be determined by the policy limits outlined in your Contents Insurance booklet.
If you would like to discuss specifying an item on your policy, please call us on 0800 500 213.
If you can’t live in your damaged home, and your contents are at risk of loss or damage, a Customer Manager will arrange moving your contents to temporary accommodation, and/or a professional storage facility.
Simply call us on 0800 500 216 to start a claim, and let us know if your situation is urgent.