independent insurance broker
claims procedure
Should you be involved in a motor claim please make sure you take every necessary precaution to ensure your ongoing safety whilst at the scene.
In the first instance, a claim must be notified either to us or directly with the insurer. The insurer’s contact details will be in your policy document, alternatively please use our Claim Finder to locate the information.
Please note that any claims made on a policy may affect your no claims bonus and following renewal premium.
Following notification, the insurer will, in most cases, issue a claim form to you, which must be completed and returned before the claim can continue. This document contains questions relating to the loss incurred and the situation or event surrounding the loss.
Upon receipt of the claim form the insurer will either appoint a loss adjuster, request supporting evidence as to the value of the claim (i.e. an extract from a car sales magazine with a similar spec car illustrating the market price of the vehicle) or offer part or full settlement of the claim.
If you are not satisfied with the settlement figure you are entitled to not accept it, at which point further evidence to support your opinion will be needed, details of this and your other responsibilities as an insured person are discussed in the Your Responsibility section.
Insurers can settle claims in a number of different ways:-
- Money - a cheque for the amount will be issued to you following all criteria of the claims procedure are met.
- Payment of Repairs - payment is made directly to the entity that is repairing the loss or damage i.e. the garage.
- Replacement - items are replaced with the same or similar model.
- Reinstatement - the insurer takes full responsibility in reinstating any damage caused; this only applies to extensive building damage.
If at any time whilst making a claim you are not satisfied with the service of either ourselves, the insurer or the supplier/repairer make sure you iterate this to us so that we can take the appropriate course of action.
NB. No one claim is ever the same and as such the claims procedure described above can only be interpreted as an overview. In each instance of a claim you will be kept fully informed of the progress of that claim.
