Making a home claim online is simple, either you or the policyholder'll need to fill in this quick form. Once this has been submitted, we’ll get in contact with you within 24 working hours* to discuss the next steps. Meanwhile, you can recommend what the policyholder should do by reading the following section.
Or you can copy the below link to the policyholder
First of all, check the cover
Then immediately afterwards
After reporting the claim
For immediate help and to make a claim, call our claims team.
Lines are open 24 hours a day, 7 days a week.
For legal or family legal protection assistance call us on the number below.
Lines are open 24 hours a day, 7 days a week.
After you or the policyholder contact us, we will:
Where necessary, please arrange for someone to contact you or the policyholder as soon as possible to discuss your claim.
We may at our option repair, reinstate or replace the lost or damaged property. If we cannot replace or repair the property we may at our option pay the loss or damage in cash.
If we do pay cash the amount we pay will reflect any discounts we may have received had we replaced the property. The cover limits will not be reduced by any claim.
We may appoint an approved supplier to act on our behalf to validate the claim. They are authorised to arrange a quotation, a repair or a replacement.
We will settle claims for loss or damage to items which are not capable of economic repair on the basis of cost as new as long as:
We will settle claims for loss or damage to the buildings without taking off an amount for wear and tear as long as:
Making changes to prevent claims is ideal, but where accidents do happen, damage limitation is also possible. That’s why we’ve developed some hints and tips that you can share with the policyholder.
Spills on carpets
Place polythene or cling film over the stain to keep it moist.
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