If you have a liability claim, it’s very important that you:
Do not admit liability.
Advise us as soon as you become aware of any claim or circumstances that could give rise to a claim under your policy.
Take all reasonable steps to minimise the claim and avoid any further liability arising.
Notify the police if you suspect the claim involves criminal activity (e.g. employee theft or fraud).
Do not incur any costs or expenses without your insurer’s prior consent.
It’s essential that all claims for loss or theft/burglary are reported to the police, and their file reference supplied to us.
For all claims relating to loss or theft/burglary the insurer will typically ask for “Proof of Purchase”. It is advisable to start gathering this information as soon as practicable to ensure that your settlement is not delayed. Proof of purchase usually consists of photos, receipts, packaging, etc.
For claims relating to damage we recommend you take photos straight away, and submit these with your claim form.
For claims relating to damage it’s important that you don’t dispose of the damaged items, as the insurer may wish to inspect the item or retain it for salvage purposes.