Making a claim topics

Follow these steps to make a claim: Find your insurer: Check your Policy Schedule in My Account Or use our “Who is my insurer?” tool Contact your insurer: Do this as soon as possible after the incident Find contact details on our Claims & Emergency Helplines page Important: For Home Emergency or Family Legal Protection claims, contact the relevant insurer directly rather than your main policy insurer.

Your claim will be handled directly by your insurer, not by Intelligent Insurance. You can find your insurer’s details: On your policy schedule In your policy documents Through My Account

Understanding the concept of excess is pivotal in comprehending your home insurance policy. Claim Contribution An excess is the predetermined amount you are responsible for paying when making a claim. It signifies your financial participation in the insurance arrangement. Compulsory Nature Excess is a mandatory component, and every claim will have an associated excess amount. It ensures that policyholders share a portion of the financial responsibility in the event of a claim. Policy Specifics The exact excess amount is outlined in your policy documentation, providing transparency about your financial commitment per claim. Claim Resolution When a covered event occurs, the total claim amount is calculated, and you are required to contribute the excess before the insurer covers the remaining costs. Variability Excess amounts can vary between insurance policies and providers. They may also differ based on the type of claim being made. Financial Preparedness Being aware of your excess amount enables you to financially prepare for potential claims, ensuring you understand the upfront cost associated with each incident.