The first four steps after a loss
- Make sure everyone is safe; call 112 and 155 if needed.
- Photograph the scene and the damage generously.
- Complete the accident or incident report in full.
- Call us and we will file the notification together.
Documents needed by class
Motor claims
- Accident report or alcohol test record
- Copy of driving licence and vehicle registration
- Photographs of the scene and the damage
- The other party's policy and plate details, if any
- IBAN in the registered owner's name for payment
Home & business claims
- Written statement describing how the loss occurred
- Photographs of damaged parts and contents
- Building management or neighbour report where relevant
- Repair or replacement invoices, cost estimate
- Police report for burglary claims
Health claims
- Doctor's report, discharge summary and test results
- Itemised invoice
- Prescription and medicine barcodes
- Policy number and insured details
Travel / abroad
- Policy number and assistance file number
- Treatment documents and payment receipts
- Passport entry and exit page
Points to watch
Notify us as soon as you learn of the loss, ideally the same day. Late notification can reduce the settlement.
Do not repair or replace damaged parts before the loss adjuster's inspection, or payment will be delayed.
For small motor claims, notifying may cost you your no-claims discount. Call us first and we will run both scenarios.
If your claim is declined, ask for the reason in writing; the Insurance Arbitration Commission and consumer arbitration routes remain open. We stay with you through that too.