Make a home claim

Call us on 0345 246 8412

0345 246 8412

We're here to help

Monday to Friday 8am-8pm and on Saturdays 9am-5pm.

In the event of an emergency call our
24-hour emergency helpline on

0345 878 5081 0345 878 5081

What’s an emergency?

When your home is unsafe or uninhabitable due to theft, vandalism or damage.

Calls may be recorded. Max call charge from a BT landline is 3p per minute.
Calls from other networks may vary.

What you should know before you call us

 

What will I be asked for?

Your policy number.

The full address of the property covered under your policy.

A brief description of what happened and where the incident took place.

A list of the damaged items, including their original cost.

We’ll also ask you for a crime or loss reference number, if you’ve been a victim of theft, vandalism or lost items when outside of home.

Any relevant documents or photographs to support your claim.

Frequently Asked Questions

How can I make a home insurance claim?

Call us on 0345 246 8412. You’ll need to have:

  • Your policy number.
  • The full address of the property covered under your policy.
  • A brief description of what happened and where the incident took place.
  • A list of the damaged items, including their original cost.
  • We’ll also ask you for a crime or loss reference number, if you’ve been a victim of theft, vandalism or lost items when outside of home.
  • Any relevant documents or photographs to support your claim.

How will I know if my claim is covered by my policy?

Wherever possible, we’ll let you know during your first call to us whether your claim is covered by your policy. Before you call us, read through the policy booklet along with your schedule of cover– it might help you find the answer.
If you’re still unsure, call our Claims Advisors. They have an excellent knowledge of the cover you’ve arranged with us.

Will my premium increase at the next renewal date if I make a claim?

Claims under your policy could result in an increased premium at your next renewal date. This depends on the number, type and value of claims you make. Our premiums are calculated individually and you’ll be notified in advance of the renewal date.

Have you been a victim of crime?

Victim Support is the national charity that helps people cope with the effects of crime. It provides free, confidential, practical help and support – you can call them on 0808 16 89 111 (8am – 8pm Monday to Friday, 9am – 7pm weekends, 9am – 5pm Bank Holidays).

Is a T.V. classed as a personal possession?

TV's are not classed as personal possessions but would be included under contents insurance.

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Things you need to know about Over 50s life insurance:
Premiums stop after your 90th birthday but you still enjoy cover for the rest of your life. In the first year, if you die from natural causes we will refund any premiums, or if you die as a result of an accident, we will pay your cash sum. After the first year regardless of the cause of death we will pay your cash sum. Depending on how long you live, the total sum paid in premiums may be more than the cash sum payable on death. If you stop paying your premiums before the end of your policy your cover will stop 30 days after your missed premium and you won’t get anything back. This isn’t a savings or investment product and has no cash value unless a valid claim is made. Inflation will reduce the buying power of your cash sum in the future.

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