Making a claim topics

Being burgled can be upsetting. Your safety comes first, followed by reporting the incident and contacting your insurer. Make sure you are safe. If the burglary is happening now, you think an intruder is still there, or anyone is in immediate danger, move to a safe place and call 999. Do not enter your home if you think someone may still be inside. Report the burglary to the police. If it is not an emergency, call 101 or report it through your local police force’s website. Keep the crime reference number for your insurance claim. Avoid disturbing evidence. Try not to touch, move or clean anything the intruder may have handled. Follow the police’s advice before tidying up or repairing damaged doors and windows. Contact your insurer as soon as possible. If your policy is arranged through Intelligent Insurance, check your policy schedule for your insurer’s details. You can also visit our Claims & Emergency Helplines page. Have your policy number and crime reference number ready. Ask about securing your home. Tell the police and your insurer if damaged locks, doors or windows have left your home insecure. Ask about urgent temporary repairs and check with your insurer before arranging permanent work. Keep receipts for any work undertaken. Record what is missing or damaged. When the police say it is safe to do so, make a list and take photographs of the damage. Gather any receipts, photographs or bank statements that could help establish ownership and value. If bank cards have been stolen, contact your bank immediately. Your insurer’s claims team will explain the next steps and confirm what your policy covers, including any applicable excess, limits and conditions.

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.