If the worst has happened, and you need to make a claim, bear in mind the following advice:
- Before claiming, check your policy carefully to make sure you are covered for the loss or damage. You may even be covered under more than one type of policy; if this is the case then you'll need to decide which one you will claim under. You should take into account the amount of excess you'll need to pay, and the effect that a claim will have on the following year's premiums.
- Once you've decided which policy you will claim under, contact your insurer immediately, so that they can send you a claim form. Some companies will let you make a claim over the phone, which will save you time and may mean that your claim will be dealt with more quickly.
- Fill in the claim form as soon as you can. You will probably need to obtain estimates on repair costs or replacements. If you've had to make any emergency repairs, keep the receipts and invoices, as you will need these as part of your claim. Your insurance company may have an emergency helpline to put you in touch with the appropriate tradespeople.
- If you've been a victim of a crime, contact the police immediately.
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