It depends on the policy and the claim. Where items have been lost, stolen or damaged, we might arrange for the items to be replaced or make a payment to you. If you’re liable for something we will assist you with legal support.
We know that our customers don’t have the luxury of time following an insurance claim, so always aim to have things settled asap. For smaller claims, that’s usually within a couple of days (or hours) of receiving the relevant info. For larger claims, it can sometimes take longer.
On many of our policies you don’t have to pay any excess, however this varies depending on the size of your business, the type of policy and level of cover, but we’ve worked hard to make sure they are as low as possible. We’ll let you know at the point of receiving a quote what excess you need to pay if you make a claim.
A member of our team will be appointed to assist you through the process and ensure the claim is resolved as quickly as possible. If you are accused of something, please don’t accept any responsibility unless we have agreed to it.
It will depend on the claim, so our team member will advise you on what’s required.
If you discover that something has been maliciously damaged, lost or stolen, please notify the police straight away.
For more information read our article ‘how can I be sure my insurer will pay my claim.’
It’s important that any claim - or incident that could result in a claim - is reported to us as soon as possible. This includes if you, or one of your employees, becomes aware of a legal claim being made against you, or discovers a problem that could result in a legal claim (regardless of whether anyone outside your organisation knows about it). It also includes where you, or one of your employees, have received a written or verbal complaint. Even if you’re unsure, it’s better to let us know!
Possibly. We take various factors into account when calculating premiums, and past claims are one of those factors. Having said that, it depends on the number of claim(s) what caused the claim(s) and how much was paid.