Make a claim

What to do before you report a claim

If you can, the first thing you must do is to try and limit any further damage or loss.

For example, if there is a flood:

Place any valuable or electrical items in high cupboards or take them upstairs to reduce the impact of any flood damage.
Turn off utilities such as stopcock, gas and electricity supply if it's safe to do so.
Dry out any rugs and items as quickly as possible. If you're a landlord advise your tenants to do this but don't lift the carpets unless it is really necessary as it might cause them to shrink.

For example, if there is a storm:

Move storm damaged items somewhere safe and move any other vulnerable items to prevent them being damaged.
Dry out any damaged rugs or soft furnishings. Don't lift the carpets unless you or your tenants really have to as it might cause them to shrink.
Turn off your power at the mains if you think that cables are damaged. Leave them until they can be inspected by a professional. Don't touch electrical or telephone cables if they're blown down or hanging loose.
Carry out any temporary repairs to the building to reduce the risk of any further damage. Please ensure photographs of the original damage are taken and provided.

You must ensure that all receipts are kept and where possible, photographs taken of any damage. Both will be considered as part of the claim and will help with its settlement.

Get in touch

Monday to Friday 8am-6pm
(excluding Bank Holidays)

call us on 0345 303 1753

call us on 0345 303 1753 Claim online

If you're overseas and you're not able to deal with your claim, you can give permission to deal with claim on your behalf. They don't have to be named on your policy. To do this, you'll need to give us a call first for data security reasons.

Our number is 0044 1132 920667 and we're open Monday to Friday 08:00-18:00 GMT (excluding Bank Holidays).

What you may be asked for when you make a claim:

Your policy number and confirmation that you are the Policyholder.
The full address of the property covered under your policy.
A brief description of what happened, including when and where the incident took place.
A list of the damaged items, including their original cost (if applicable).
A crime or loss reference number, if you’ve been a victim of theft, vandalism or lost items when outside of the home.
Any relevant documents or photographs to support your claim.
If you’re a landlord, then some details about your tenant(s) in line with our Policy Assumptions (refer to your policy documentation).

How our property claims process works

Register your claim as soon as you can by phoning 0345 303 1753. Lines open: 8am - 6pm Monday to Friday, excluding Bank Holidays. Alternatively, you may submit your claim to us by clicking ‘Claim online’ above.
When registering the claim we will discuss what has happened. We will then be able to advise policy cover, offer guidance on the processing of your claim and give you a personal claim reference number.
If you’re unable to deal with the claim yourself, you can nominate someone else to act on your behalf, such as a family member or letting agent if you’re a landlord, by giving your authority either by phone or in writing.
You’ll have a dedicated claims handler who will deal with the claim from start to finish. However all of our team are able to access your claim and will be happy to help with any queries you may have.
We can talk through the next steps you’ll need to take over the phone and will aim to resolve the claim wherever we can as quickly as possible.
Depending on the circumstances of the claim, we may send a loss adjuster to assess the damage and establish a timetable for any repair work. The loss adjuster in some instances can provide advice over the phone or in person to help reduce the impact of the damage.
If you’re a landlord and your tenants are forced to live somewhere else while the repairs are made, your insurance should cover some of the cost of temporary accommodation. Be sure to check your policy.
If your small business can’t trade due to an insured event, Business Interruption will cover you for your loss of income. If it’s due to a flood, your policy needs to include Flood Cover.
The claim will be reviewed and a decision will be made based on what your policy covers together with the documentation and information provided.

What you may be asked for when you call:

Your policy number.
A brief description of what happened, including when, where the incident took place and whether anyone was hurt.
A list of the damaged items (if applicable) and the repair or replacement cost.
If anyone was hurt we will need the injured party's age, occupation, a description of the injury, how serious this was and details of any medical attention.
Any relevant documents and photographs to show the damage or any alleged defect on the premises.
Confirmation of any information referred to within our Policy Assumptions and, if you're a landlord, then details about your tenant.

Make sure you check with your claims adviser before throwing anything away. You might need to keep hold of it for your claim.

Our hours and number

Monday to Friday 8am-6pm
(excluding Bank Holidays)

For public liability, property owners'
liability, and employers' liability claims:

call us on 0345 303 1753

call us on 0345 303 1753 Claim online

How our liability claims process works

Register your claim as soon as you can by phoning 0345 303 1753. Lines open: 8am - 6pm Monday to Friday, excluding Bank Holidays.
When registering the claim we will discuss what has happened. We will then be able to advise policy cover, offer guidance on the processing of your claim and give you a personal claim reference number.
If you’re unable to deal with the claim yourself, you can nominate someone else to act on your behalf, such as a family member, by giving your authority either by phone or in writing.
You will have a dedicated claims handler who will deal with the claim from start to finish. However all of our team are able to access your claim and will be happy to help with any queries you may have.
We can talk through the next steps you’ll need to take over the phone and will aim to resolve the claim wherever we can as quickly as possible.
The claim will be reviewed and a decision will be made based on what your policy covers together with the documentation and information provided.

What you may be asked for when you call:

Your policy number and personal details.
What happened, where you are, and is the van driveable.
Details of any tools or business equipment that were stolen or damaged (if applicable).
Details of any third parties or passengers involved.
Details of any witnesses to the incident.
Were the police involved and do you have a crime reference number.

Even if you don't know all this information you can still report the claim.

Make sure also you check with your claims adviser before throwing anything away. You might need to keep hold of it for your claim.

Our hours and number

Monday to Friday 8am-9pm
Saturday 9am - 5pm
Sunday 10am - 5pm

call us on 0345 301 2882

24 hour accident recovery helpline0800 269 015

call us on 0800 269 015

Windscreen damaged?

To make a claim just enter your registration number and details with our windscreen partner Autoglass, they'll guide you all the way.

Visit Autoglass

What you may be asked for after your claim is registered:

Your policy number (if available).
Further details of the claimant.
A copy of the contract you have with the claimant.
Further details of the work that you undertook.
Further details of any allegations that may have been made against you.
Any correspondence between you and the claimant.
The current status of the circumstances.

Make sure you also check with your claims advisor before throwing anything away. You might need to keep hold of it for your claim.

Opening hours and number

Monday to Friday 9am - 5pm
(excludes bank holidays)

Call on: 0207 648 1122

Call on 0207 648 1122

Or email your claim and an advisor will get back to you

Download Claim Form

All you need to do is download the claims form, fill it in with your claim details, and then email the completed form to dl4bpiclaims@hccint.com

You can make a claim online. You'll need to open this page on a desktop computer in order to download a claims form. Then all you need to do is fill in your details and email the completed form to dl4bpiclaims@hccint.com

How our professional indemnity claims process works

Register your claim by emailing a filled out claims form to dl4bpiclaims@hccint.com. Our partner business Tokio Marine HCC will respond via email or a phone call Monday to Friday between 9.30am-5.30pm (excluding Bank Holidays).
The claims advisor will provide you a personal claim reference number and ask for further details.
They will then be able to give an indication as to policy cover and offer guidance on the processing of your claim.
You’ll have a dedicated claims handler who will deal with the claim from start to finish. However all of the team are able to access your claim and will be happy to help with any queries you may have.
The claim will be reviewed and a decision will be made based on what your policy covers together with the documentation and information provided.

Property claims
Get in touch

Monday to Friday 8am-6pm
(excluding Bank Holidays)

call us on 0345 303 1753
call us on 0345 303 1753 Claim online
If you're overseas and you're not able to deal with your claim, you can give permission to deal with claim on your behalf. They don't have to be named on your policy. To do this, you'll need to give us a call first for data security reasons.

Our number is 0044 1132 920667 and we're open Monday to Friday 08:00-18:00 GMT (excluding Bank Holidays).

What to do before you report a claim

If you can, the first thing you must do is to try and limit any further damage or loss.

For example, if there is a flood:
- Place any valuable or electrical items in high cupboards or take them upstairs to reduce the impact of any flood damage.
- Turn off utilities such as stopcock, gas and electricity supply if it's safe to do so.
- Dry out any rugs and items as quickly as possible. If you're a landlord advise your tenants to do this but don't lift the carpets unless it is really necessary as it might cause them to shrink.
Find out how to minimise flood damage.

For example, if there is a storm:
- Move storm damaged items somewhere safe and move any other vulnerable items to prevent them being damaged.
- Dry out any damaged rugs or soft furnishings. Don't lift the carpets unless you or your tenants really have to as it might cause them to shrink.
- Turn off your power at the mains if you think that cables are damaged. Leave them until they can be inspected by a professional. Don't touch electrical or telephone cables if they're blown down or hanging loose.
- Carry out any temporary repairs to the building to reduce the risk of any further damage. Please ensure photographs of the original damage are taken and provided.
Find out how to minimise storm damage.

You must ensure that all receipts are kept and where possible, photographs taken of any damage. Both will be considered as part of the claim and will help with its settlement.
What you may be asked for when you make a claim:

Your policy number and confirmation that you are the Policyholder.

The full address of the property covered under your policy.

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

A list of the damaged items, including their original cost (if applicable).

A crime or loss reference number, if you’ve been a victim of theft, vandalism or lost items when outside of the home.

Any relevant documents or photographs to support your claim.

If you’re a landlord, then some details about your tenant(s) in line with our Policy Assumptions (refer to your policy documentation).
How our property claims process works

Register your claim as soon as you can by phoning 0345 303 1753. Lines open: 8am - 6pm Monday to Friday, excluding Bank Holidays. Alternatively, you may submit your claim to us by clicking ‘Claim online’ above.

When registering the claim we will discuss what has happened. We will then be able to advise policy cover, offer guidance on the processing of your claim and give you a personal claim reference number.

If you’re unable to deal with the claim yourself, you can nominate someone else to act on your behalf, such as a family member or letting agent if you’re a landlord, by giving your authority either by phone or in writing.

You’ll have a dedicated claims handler who will deal with the claim from start to finish. However all of our team are able to access your claim and will be happy to help with any queries you may have.

We can talk through the next steps you’ll need to take over the phone and will aim to resolve the claim wherever we can as quickly as possible.

Depending on the circumstances of the claim, we may send a loss adjuster to assess the damage and establish a timetable for any repair work. The loss adjuster in some instances can provide advice over the phone or in person to help reduce the impact of the damage.

If you’re a landlord and your tenants are forced to live somewhere else while the repairs are made, your insurance should cover some of the cost of temporary accommodation. Be sure to check your policy.

If your small business can’t trade due to an insured event, Business Interruption will cover you for your loss of income. If it’s due to a flood, your policy needs to include Flood Cover.

The claim will be reviewed and a decision will be made based on what your policy covers together with the documentation and information provided.
Liability claims
Our hours and number

Monday to Friday 8am-6pm
(excluding Bank Holidays)

For public liability, property owners'
liability, and employers' liability claims:

call us on 0345 303 1753
call us on 0345 303 1753 Claim online

What you may be asked for when you call:
- Your policy number.
- A brief description of what happened, including when, where the incident took place and whether anyone was hurt.
- A list of the damaged items (if applicable) and the repair or replacement cost.
- If anyone was hurt we will need the injured party's age, occupation, a description of the injury, how serious this was and details of any medical attention.
- Any relevant documents and photographs to show the damage or any alleged defect on the premises.
- Confirmation of any information referred to within our Policy Assumptions and, if you're a landlord, then details about your tenant.
Make sure you check with your claims adviser before throwing anything away. You might need to keep hold of it for your claim.
How our liability claims process works

Register your claim as soon as you can by phoning 0345 303 1753. Lines open: 8am - 6pm Monday to Friday, excluding Bank Holidays.

When registering the claim we will discuss what has happened. We will then be able to advise policy cover, offer guidance on the processing of your claim and give you a personal claim reference number.

If you’re unable to deal with the claim yourself, you can nominate someone else to act on your behalf, such as a family member, by giving your authority either by phone or in writing.

You will have a dedicated claims handler who will deal with the claim from start to finish. However all of our team are able to access your claim and will be happy to help with any queries you may have.

We can talk through the next steps you’ll need to take over the phone and will aim to resolve the claim wherever we can as quickly as possible.

The claim will be reviewed and a decision will be made based on what your policy covers together with the documentation and information provided.
Van claims
Our hours and number

Monday to Friday 8am-9pm
Saturday 9am - 5pm
Sunday 10am - 5pm

call us on 0345 301 2882
call us on 0345 301 2882

24 hour accident recovery helpline0800 269 015
call us on 0800 269 015

Windscreen damaged?

To make a claim just enter your registration number and details with our windscreen partner Autoglass, they'll guide you all the way.
Visit Autoglass
What you may be asked for when you call:
- Your policy number and personal details.
- What happened, where you are, and is the van driveable.
- Details of any tools or business equipment that were stolen or damaged (if applicable).
- Details of any third parties or passengers involved.
- Details of any witnesses to the incident.
- Were the police involved and do you have a crime reference number.
Even if you don't know all this information you can still report the claim.

Make sure also you check with your claims adviser before throwing anything away. You might need to keep hold of it for your claim.
Professional Indemnity claims
Opening hours and number

Monday to Friday 9am - 5pm
(excludes bank holidays)

Call on: 0207 648 1122
Call on 0207 648 1122
Or email your claim and an advisor will get back to you

Download Claim Form
All you need to do is download the claims form, fill it in with your claim details, and then email the completed form to dl4bpiclaims@hccint.com

You can make a claim online. You'll need to open this page on a desktop computer in order to download a claims form. Then all you need to do is fill in your details and email the completed form to dl4bpiclaims@hccint.com
What you may be asked for after your claim is registered:
- Your policy number (if available).
- Further details of the claimant.
- A copy of the contract you have with the claimant.
- Further details of the work that you undertook.
- Further details of any allegations that may have been made against you.
- Any correspondence between you and the claimant.
- The current status of the circumstances.
Make sure you also check with your claims advisor before throwing anything away. You might need to keep hold of it for your claim.
How our professional indemnity claims process works

Register your claim by emailing a filled out claims form to dl4bpiclaims@hccint.com. Our partner business Tokio Marine HCC will respond via email or a phone call Monday to Friday between 9.30am-5.30pm (excluding Bank Holidays).

The claims advisor will provide you a personal claim reference number and ask for further details.

They will then be able to give an indication as to policy cover and offer guidance on the processing of your claim.

You’ll have a dedicated claims handler who will deal with the claim from start to finish. However all of the team are able to access your claim and will be happy to help with any queries you may have.

The claim will be reviewed and a decision will be made based on what your policy covers together with the documentation and information provided.