This is a practical guide on how to navigate the claims process smoothly. In the unfortunate event you need to make a claim on your insurance, it helps to know the process. This blog takes you through when and how to make a claim, what documents and evidence you will need, what you can do if your claim is rejected, and more.
When and how to make an insurance claim
If you have insurance and are covered for unforeseen circumstances that could arise – for example, damage, loss, theft or poor health – and you are faced with those very circumstances down the line, you will need to make a claim.
It’s important that you contact your insurer as soon as possible. They may send you a claims form which you will need to complete fully and accurately. Keep a copy for yourself.
More information on what you can expect following a flood can be found at www.abi.org.uk.
Before you send off your claim, check the following:
- That you are claiming within the time parameters
- You are covered
- How much excess you will need to pay. This is the sum your insurer will take off the claim. If your claim works out to be less than the excess, it may not be worth making the claim
- Look over the small print to ensure the terms and conditions don’t include anything that would prevent you from making the claim
- Establish if it is a new for old policy. If it’s not, the sum you get for items you are claiming for may work out to be less than the cost of replace them – the insurer will likely take off money for wear and tear
- Be careful not to exaggerate your claim. This could result in your entire claim being rejected
What documents and evidence you need
You will want to include copies of any paperwork and evidence that will support your claim. For example, receipts, medical certificates, photographs, and so on. Keep copies of the originals just in case your insurer queries your claim or rejects it.
How insurers assess claims
While each insurer may take different approaches, they all ultimately want to know that your claim is legitimate, that it falls within the insurance policy guidelines and that it is not fraudulent in any way.
They may want to know if you have other insurance that could cover the claim. You will need to inform them if you have any other insurance that may also offer cover.
